Home > Peoples Federal Savings and Loan Association > Performance and Condition Ratios
Peoples Federal Savings and Loan Association, Performance and Condition Ratios
| 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 | 4.0837% | 1,091 |
| Cost of funding earning assets | 0.1142% | 4,164 |
| Net interest margin | 3.9695% | 682 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 4.2141% | 286 |
| Loan and lease loss provision to assets | -0.0900% | 4,563 |
| Net operating income to assets | -0.1387% | 4,634 |
| Return on assets (ROA) | -1.6040% | 4,717 |
| Pretax return on assets | -2.0598% | 4,724 |
| Return on Equity (ROE) | -14.6100% | 4,721 |
| Retained earnings to average equity (ytd only) | -14.6064% | 4,713 |
| Net charge-offs to loans | -0.2428% | 4,666 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 107.5110% | 107 |
| Assets per employee ($millions) | 5.0212% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 2,928 |
| Loan loss allowance to noncurrent loans | 1,021.9298% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.0873% | 3,058 |
| Noncurrent loans to loans | 0.1094% | 3,104 |
| Net loans and leases to total assets | 78.9000% | 625 |
| Net loans and leases to deposits | 89.1651% | 950 |
| Net loans and leases to core deposits | 89.7689% | 1,312 |
| Total domestic deposits to total assets | 88.4900% | 2,277 |
| Equity capital to assets | 10.3706% | 1,432 |
| Core capital (leverage) ratio | 10.2239% | 2,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1461% | 1,389 |
| Memoranda: | ||
| Average total assets | $131,334,000 | 3,647 |
| Average earning assets | $121,423,750 | 3,628 |
| Average equity | $14,422,500 | 3,471 |
| Average total loans | $101,058,250 | 3,141 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7739% | 1,364 |
| Cost of funding earning assets | 0.1183% | 3,980 |
| Net interest margin | 3.6556% | 985 |
| Noninterest income to average assets | 0.2584% | 3,625 |
| Noninterest expense to average assets | 2.7266% | 1,322 |
| Loan and lease loss provision to assets | -0.1322% | 4,636 |
| Net operating income to assets | 0.8511% | 2,768 |
| Return on assets (ROA) | 0.8511% | 2,746 |
| Pretax return on assets | 1.0456% | 2,587 |
| Return on Equity (ROE) | 7.6102% | 3,131 |
| Retained earnings to average equity (ytd only) | 7.6102% | 1,764 |
| Net charge-offs to loans | -0.1660% | 4,554 |
| Credit loss provision to net charge-offs | 104.8193% | 1,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9061% | 1,401 |
| Assets per employee ($millions) | 4.7324% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 3,374 |
| Loan loss allowance to noncurrent loans | 371.0801% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 2,234 |
| Noncurrent loans to loans | 0.2831% | 2,329 |
| Net loans and leases to total assets | 75.7053% | 756 |
| Net loans and leases to deposits | 85.9847% | 972 |
| Net loans and leases to core deposits | 86.5612% | 1,296 |
| Total domestic deposits to total assets | 88.0451% | 2,556 |
| Equity capital to assets | 10.9723% | 1,222 |
| Core capital (leverage) ratio | 11.3717% | 1,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2725% | 953 |
| Memoranda: | ||
| Average total assets | $131,594,667 | 3,686 |
| Average earning assets | $121,729,667 | 3,674 |
| Average equity | $14,717,000 | 3,523 |
| Average total loans | $100,020,000 | 3,187 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7076% | 1,256 |
| Cost of funding earning assets | 0.1185% | 3,915 |
| Net interest margin | 3.5891% | 912 |
| Noninterest income to average assets | 0.2898% | 3,388 |
| Noninterest expense to average assets | 2.6994% | 1,365 |
| Loan and lease loss provision to assets | -0.2654% | 4,719 |
| Net operating income to assets | 0.9608% | 2,031 |
| Return on assets (ROA) | 0.9608% | 2,029 |
| Pretax return on assets | 1.1804% | 1,879 |
| Return on Equity (ROE) | 8.5101% | 2,507 |
| Retained earnings to average equity (ytd only) | 8.5101% | 1,422 |
| Net charge-offs to loans | -0.3181% | 4,667 |
| Credit loss provision to net charge-offs | 110.1266% | 963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6835% | 1,659 |
| Assets per employee ($millions) | 4.7459% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 3,483 |
| Loan loss allowance to noncurrent loans | 357.2391% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 2,312 |
| Noncurrent loans to loans | 0.2973% | 2,404 |
| Net loans and leases to total assets | 74.3780% | 633 |
| Net loans and leases to deposits | 84.5789% | 848 |
| Net loans and leases to core deposits | 85.1450% | 1,176 |
| Total domestic deposits to total assets | 87.9393% | 2,548 |
| Equity capital to assets | 11.0486% | 1,309 |
| Core capital (leverage) ratio | 11.3590% | 1,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7067% | 1,102 |
| Memoranda: | ||
| Average total assets | $131,139,000 | 3,709 |
| Average earning assets | $121,480,000 | 3,697 |
| Average equity | $14,806,000 | 3,579 |
| Average total loans | $99,340,500 | 3,200 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8159% | 1,833 |
| Cost of funding earning assets | 0.1971% | 3,495 |
| Net interest margin | 3.6188% | 1,415 |
| Noninterest income to average assets | 0.2601% | 3,819 |
| Noninterest expense to average assets | 2.7494% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6984% | 3,632 |
| Return on assets (ROA) | 0.6984% | 3,686 |
| Pretax return on assets | 0.8544% | 3,612 |
| Return on Equity (ROE) | 5.7636% | 3,828 |
| Retained earnings to average equity (ytd only) | -1.9125% | 4,621 |
| Net charge-offs to loans | -0.0011% | 3,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2905% | 1,082 |
| Assets per employee ($millions) | 4.6211% | 4,020 |
| Cash dividends to net income (ytd only)* | 133.1828% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 3,433 |
| Loan loss allowance to noncurrent loans | 331.6770% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.2489% | 2,326 |
| Noncurrent loans to loans | 0.3260% | 2,419 |
| Net loans and leases to total assets | 75.5178% | 549 |
| Net loans and leases to deposits | 86.5101% | 749 |
| Net loans and leases to core deposits | 87.1093% | 1,128 |
| Total domestic deposits to total assets | 87.2937% | 2,392 |
| Equity capital to assets | 11.5386% | 1,491 |
| Core capital (leverage) ratio | 11.3642% | 1,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2185% | 730 |
| Memoranda: | ||
| Average total assets | $126,865,600 | 3,722 |
| Average earning assets | $117,220,200 | 3,720 |
| Average equity | $15,372,400 | 3,599 |
| Average total loans | $94,682,200 | 3,267 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8276% | 1,959 |
| Cost of funding earning assets | 0.2163% | 3,456 |
| Net interest margin | 3.6113% | 1,573 |
| Noninterest income to average assets | 0.2567% | 3,858 |
| Noninterest expense to average assets | 2.7926% | 1,357 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6538% | 3,887 |
| Return on assets (ROA) | 0.6538% | 3,940 |
| Pretax return on assets | 0.7974% | 3,895 |
| Return on Equity (ROE) | 5.3304% | 4,054 |
| Retained earnings to average equity (ytd only) | 2.4887% | 4,056 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7876% | 892 |
| Assets per employee ($millions) | 4.4840% | 4,139 |
| Cash dividends to net income (ytd only)* | 53.3118% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 3,428 |
| Loan loss allowance to noncurrent loans | 247.2222% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 2,064 |
| Noncurrent loans to loans | 0.4460% | 2,223 |
| Net loans and leases to total assets | 76.3005% | 526 |
| Net loans and leases to deposits | 88.3996% | 694 |
| Net loans and leases to core deposits | 89.0372% | 1,093 |
| Total domestic deposits to total assets | 86.3131% | 2,633 |
| Equity capital to assets | 12.3926% | 1,224 |
| Core capital (leverage) ratio | 12.4732% | 992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6308% | 872 |
| Memoranda: | ||
| Average total assets | $126,234,000 | 3,765 |
| Average earning assets | $116,520,500 | 3,771 |
| Average equity | $15,483,000 | 3,630 |
| Average total loans | $93,657,250 | 3,327 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7995% | 2,069 |
| Cost of funding earning assets | 0.2363% | 3,421 |
| Net interest margin | 3.5632% | 1,676 |
| Noninterest income to average assets | 0.2451% | 3,932 |
| Noninterest expense to average assets | 2.8246% | 1,303 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5836% | 4,015 |
| Return on assets (ROA) | 0.5836% | 4,070 |
| Pretax return on assets | 0.7117% | 4,042 |
| Return on Equity (ROE) | 4.7743% | 4,175 |
| Retained earnings to average equity (ytd only) | 2.0572% | 4,098 |
| Net charge-offs to loans | -0.0022% | 3,213 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8748% | 794 |
| Assets per employee ($millions) | 4.5405% | 4,078 |
| Cash dividends to net income (ytd only)* | 56.9106% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 3,330 |
| Loan loss allowance to noncurrent loans | 206.7698% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4067% | 1,986 |
| Noncurrent loans to loans | 0.5417% | 2,047 |
| Net loans and leases to total assets | 74.2296% | 730 |
| Net loans and leases to deposits | 85.8230% | 922 |
| Net loans and leases to core deposits | 85.8230% | 1,433 |
| Total domestic deposits to total assets | 86.4914% | 2,553 |
| Equity capital to assets | 12.1667% | 1,289 |
| Core capital (leverage) ratio | 12.2753% | 994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0419% | 700 |
| Memoranda: | ||
| Average total assets | $126,461,667 | 3,774 |
| Average earning assets | $116,805,667 | 3,778 |
| Average equity | $15,457,667 | 3,638 |
| Average total loans | $92,588,333 | 3,361 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8133% | 2,062 |
| Cost of funding earning assets | 0.2711% | 3,259 |
| Net interest margin | 3.5421% | 1,720 |
| Noninterest income to average assets | 0.2283% | 4,007 |
| Noninterest expense to average assets | 2.7972% | 1,378 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5772% | 4,000 |
| Return on assets (ROA) | 0.5772% | 4,053 |
| Pretax return on assets | 0.7041% | 4,006 |
| Return on Equity (ROE) | 4.7112% | 4,150 |
| Retained earnings to average equity (ytd only) | 1.8638% | 4,042 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8913% | 827 |
| Assets per employee ($millions) | 4.5495% | 4,059 |
| Cash dividends to net income (ytd only)* | 60.4396% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 3,083 |
| Loan loss allowance to noncurrent loans | 238.6161% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 2,394 |
| Noncurrent loans to loans | 0.4912% | 2,380 |
| Net loans and leases to total assets | 70.7611% | 1,183 |
| Net loans and leases to deposits | 81.7610% | 1,352 |
| Net loans and leases to core deposits | 81.7610% | 1,859 |
| Total domestic deposits to total assets | 86.5463% | 2,504 |
| Equity capital to assets | 12.0611% | 1,255 |
| Core capital (leverage) ratio | 12.0026% | 1,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7263% | 607 |
| Memoranda: | ||
| Average total assets | $126,125,500 | 3,782 |
| Average earning assets | $116,541,000 | 3,779 |
| Average equity | $15,452,500 | 3,644 |
| Average total loans | $91,162,500 | 3,393 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0594% | 2,550 |
| Cost of funding earning assets | 0.5083% | 2,900 |
| Net interest margin | 3.5511% | 2,306 |
| Noninterest income to average assets | 0.2002% | 4,278 |
| Noninterest expense to average assets | 2.7619% | 2,036 |
| Loan and lease loss provision to assets | 0.0067% | 4,271 |
| Net operating income to assets | 0.6048% | 3,742 |
| Return on assets (ROA) | 0.6048% | 3,858 |
| Pretax return on assets | 0.7416% | 3,783 |
| Return on Equity (ROE) | 4.7199% | 3,972 |
| Retained earnings to average equity (ytd only) | 1.9465% | 3,852 |
| Net charge-offs to loans | -0.0022% | 3,995 |
| Credit loss provision to net charge-offs | -400.0000% | 3,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6835% | 982 |
| Assets per employee ($millions) | 4.1622% | 4,242 |
| Cash dividends to net income (ytd only)* | 58.7586% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 3,100 |
| Loan loss allowance to noncurrent loans | 245.5172% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 2,441 |
| Noncurrent loans to loans | 0.4774% | 2,540 |
| Net loans and leases to total assets | 72.1165% | 1,276 |
| Net loans and leases to deposits | 84.0480% | 1,452 |
| Net loans and leases to core deposits | 84.0480% | 2,031 |
| Total domestic deposits to total assets | 85.8040% | 2,454 |
| Equity capital to assets | 12.4461% | 1,348 |
| Core capital (leverage) ratio | 12.3967% | 1,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0015% | 502 |
| Memoranda: | ||
| Average total assets | $119,881,600 | 3,747 |
| Average earning assets | $111,740,200 | 3,739 |
| Average equity | $15,360,600 | 3,625 |
| Average total loans | $89,501,800 | 3,404 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 2,584 |
| Cost of funding earning assets | 0.5385% | 3,005 |
| Net interest margin | 3.5936% | 2,293 |
| Noninterest income to average assets | 0.2147% | 4,198 |
| Noninterest expense to average assets | 2.7681% | 2,062 |
| Loan and lease loss provision to assets | 0.0093% | 4,183 |
| Net operating income to assets | 0.6440% | 3,646 |
| Return on assets (ROA) | 0.6440% | 3,744 |
| Pretax return on assets | 0.7901% | 3,670 |
| Return on Equity (ROE) | 4.9883% | 3,901 |
| Retained earnings to average equity (ytd only) | 2.1503% | 3,876 |
| Net charge-offs to loans | 0.0015% | 3,160 |
| Credit loss provision to net charge-offs | 800.0000% | 980 |
| Earnings coverage of net charge-offs (x) | 711.0000% | 171 |
| Efficiency ratio | 77.5992% | 1,077 |
| Assets per employee ($millions) | 4.2075% | 4,141 |
| Cash dividends to net income (ytd only)* | 56.8935% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 2,787 |
| Loan loss allowance to noncurrent loans | 252.0095% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 2,603 |
| Noncurrent loans to loans | 0.4676% | 2,652 |
| Net loans and leases to total assets | 73.2646% | 1,464 |
| Net loans and leases to deposits | 85.8454% | 1,722 |
| Net loans and leases to core deposits | 86.7240% | 2,253 |
| Total domestic deposits to total assets | 85.3448% | 2,305 |
| Equity capital to assets | 12.7137% | 1,322 |
| Core capital (leverage) ratio | 12.7130% | 1,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3375% | 492 |
| Memoranda: | ||
| Average total assets | $118,635,500 | 3,758 |
| Average earning assets | $110,677,000 | 3,740 |
| Average equity | $15,315,500 | 3,624 |
| Average total loans | $89,098,000 | 3,431 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2020% | 2,757 |
| Cost of funding earning assets | 0.5464% | 3,260 |
| Net interest margin | 3.6555% | 2,299 |
| Noninterest income to average assets | 0.1974% | 4,291 |
| Noninterest expense to average assets | 2.7879% | 2,126 |
| Loan and lease loss provision to assets | 0.0136% | 4,053 |
| Net operating income to assets | 0.6604% | 3,549 |
| Return on assets (ROA) | 0.6604% | 3,639 |
| Pretax return on assets | 0.8119% | 3,550 |
| Return on Equity (ROE) | 5.0886% | 3,809 |
| Retained earnings to average equity (ytd only) | 2.1246% | 3,702 |
| Net charge-offs to loans | 0.0090% | 2,625 |
| Credit loss provision to net charge-offs | 200.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 121.2500% | 617 |
| Efficiency ratio | 77.1550% | 1,140 |
| Assets per employee ($millions) | 4.1803% | 4,123 |
| Cash dividends to net income (ytd only)* | 58.2474% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 2,566 |
| Loan loss allowance to noncurrent loans | 137.9221% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6352% | 1,912 |
| Noncurrent loans to loans | 0.8637% | 1,764 |
| Net loans and leases to total assets | 72.6617% | 1,598 |
| Net loans and leases to deposits | 85.1518% | 1,866 |
| Net loans and leases to core deposits | 86.0275% | 2,436 |
| Total domestic deposits to total assets | 85.3319% | 2,260 |
| Equity capital to assets | 12.6669% | 1,301 |
| Core capital (leverage) ratio | 12.8797% | 1,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3334% | 431 |
| Memoranda: | ||
| Average total assets | $117,508,000 | 3,755 |
| Average earning assets | $109,806,000 | 3,745 |
| Average equity | $15,249,667 | 3,631 |
| Average total loans | $88,643,333 | 3,444 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3309% | 2,823 |
| Cost of funding earning assets | 0.5607% | 3,640 |
| Net interest margin | 3.7702% | 2,084 |
| Noninterest income to average assets | 0.1626% | 4,559 |
| Noninterest expense to average assets | 2.8743% | 2,200 |
| Loan and lease loss provision to assets | -0.0069% | 5,038 |
| Net operating income to assets | 0.6710% | 3,365 |
| Return on assets (ROA) | 0.6710% | 3,435 |
| Pretax return on assets | 0.8301% | 3,329 |
| Return on Equity (ROE) | 5.1064% | 3,593 |
| Retained earnings to average equity (ytd only) | 1.6846% | 3,555 |
| Net charge-offs to loans | 0.0226% | 1,911 |
| Credit loss provision to net charge-offs | -40.0000% | 3,129 |
| Earnings coverage of net charge-offs (x) | 47.6000% | 929 |
| Efficiency ratio | 77.7362% | 1,370 |
| Assets per employee ($millions) | 3.9832% | 3,936 |
| Cash dividends to net income (ytd only)* | 67.0103% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 2,796 |
| Loan loss allowance to noncurrent loans | 135.2638% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.6727% | 1,981 |
| Noncurrent loans to loans | 0.8696% | 1,874 |
| Net loans and leases to total assets | 76.4442% | 1,222 |
| Net loans and leases to deposits | 90.2977% | 1,472 |
| Net loans and leases to core deposits | 91.2787% | 2,226 |
| Total domestic deposits to total assets | 84.6580% | 2,543 |
| Equity capital to assets | 13.2132% | 1,333 |
| Core capital (leverage) ratio | 13.1783% | 1,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9719% | 494 |
| Memoranda: | ||
| Average total assets | $115,647,500 | 3,769 |
| Average earning assets | $108,429,500 | 3,741 |
| Average equity | $15,196,500 | 3,641 |
| Average total loans | $88,390,500 | 3,433 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4134% | 3,208 |
| Cost of funding earning assets | 0.5670% | 3,792 |
| Net interest margin | 3.8465% | 2,353 |
| Noninterest income to average assets | 0.1261% | 4,831 |
| Noninterest expense to average assets | 2.9191% | 2,235 |
| Loan and lease loss provision to assets | -0.0263% | 4,969 |
| Net operating income to assets | 0.7232% | 3,788 |
| Return on assets (ROA) | 0.7232% | 3,858 |
| Pretax return on assets | 0.8922% | 3,761 |
| Return on Equity (ROE) | 5.5083% | 4,063 |
| Retained earnings to average equity (ytd only) | 1.2404% | 4,298 |
| Net charge-offs to loans | -0.0259% | 4,682 |
| Credit loss provision to net charge-offs | 136.3636% | 1,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1224% | 1,251 |
| Assets per employee ($millions) | 3.8594% | 4,083 |
| Cash dividends to net income (ytd only)* | 77.4818% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 2,379 |
| Loan loss allowance to noncurrent loans | 134.4346% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6797% | 1,894 |
| Noncurrent loans to loans | 0.9002% | 1,709 |
| Net loans and leases to total assets | 74.5962% | 1,653 |
| Net loans and leases to deposits | 88.3462% | 1,793 |
| Net loans and leases to core deposits | 89.3044% | 2,486 |
| Total domestic deposits to total assets | 84.4363% | 2,713 |
| Equity capital to assets | 13.0677% | 1,478 |
| Core capital (leverage) ratio | 13.1492% | 1,173 |
| Tier 1 risk-based capital ratio | 23.8694% | 841 |
| Total risk-based capital ratio | 25.1247% | 826 |
| Memoranda: | ||
| Average total assets | $114,214,400 | 3,772 |
| Average earning assets | $108,645,200 | 3,737 |
| Average equity | $14,995,600 | 3,638 |
| Average total loans | $84,895,000 | 3,508 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4257% | 3,275 |
| Cost of funding earning assets | 0.5578% | 3,883 |
| Net interest margin | 3.8679% | 2,372 |
| Noninterest income to average assets | 0.1288% | 4,884 |
| Noninterest expense to average assets | 2.9484% | 2,107 |
| Loan and lease loss provision to assets | -0.0305% | 5,103 |
| Net operating income to assets | 0.7263% | 3,924 |
| Return on assets (ROA) | 0.7263% | 3,992 |
| Pretax return on assets | 0.8903% | 3,901 |
| Return on Equity (ROE) | 5.5250% | 4,188 |
| Retained earnings to average equity (ytd only) | 1.3367% | 4,479 |
| Net charge-offs to loans | -0.0285% | 4,686 |
| Credit loss provision to net charge-offs | 144.4444% | 1,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4223% | 1,163 |
| Assets per employee ($millions) | 3.8405% | 4,113 |
| Cash dividends to net income (ytd only)* | 75.8060% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 2,383 |
| Loan loss allowance to noncurrent loans | 136.6925% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 2,011 |
| Noncurrent loans to loans | 0.8951% | 1,788 |
| Net loans and leases to total assets | 74.1316% | 1,793 |
| Net loans and leases to deposits | 87.9799% | 1,934 |
| Net loans and leases to core deposits | 88.9373% | 2,642 |
| Total domestic deposits to total assets | 84.2597% | 2,729 |
| Equity capital to assets | 13.0939% | 1,569 |
| Core capital (leverage) ratio | 13.2397% | 1,238 |
| Tier 1 risk-based capital ratio | 23.7690% | 868 |
| Total risk-based capital ratio | 25.0236% | 849 |
| Memoranda: | ||
| Average total assets | $113,822,500 | 3,821 |
| Average earning assets | $108,273,000 | 3,784 |
| Average equity | $14,962,000 | 3,676 |
| Average total loans | $84,262,000 | 3,558 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4199% | 3,277 |
| Cost of funding earning assets | 0.5416% | 3,925 |
| Net interest margin | 3.8783% | 2,311 |
| Noninterest income to average assets | 0.1306% | 4,925 |
| Noninterest expense to average assets | 2.9782% | 2,063 |
| Loan and lease loss provision to assets | -0.0423% | 5,165 |
| Net operating income to assets | 0.7304% | 3,894 |
| Return on assets (ROA) | 0.7304% | 3,956 |
| Pretax return on assets | 0.8839% | 3,894 |
| Return on Equity (ROE) | 5.5493% | 4,191 |
| Retained earnings to average equity (ytd only) | 1.5281% | 4,278 |
| Net charge-offs to loans | -0.0599% | 4,874 |
| Credit loss provision to net charge-offs | 96.0000% | 2,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9677% | 1,157 |
| Assets per employee ($millions) | 3.8166% | 4,099 |
| Cash dividends to net income (ytd only)* | 72.4638% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 2,186 |
| Loan loss allowance to noncurrent loans | 107.6690% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.8655% | 1,622 |
| Noncurrent loans to loans | 1.1711% | 1,378 |
| Net loans and leases to total assets | 72.9759% | 2,062 |
| Net loans and leases to deposits | 86.6683% | 2,179 |
| Net loans and leases to core deposits | 87.3669% | 2,859 |
| Total domestic deposits to total assets | 84.2015% | 2,780 |
| Equity capital to assets | 13.1277% | 1,531 |
| Core capital (leverage) ratio | 13.1805% | 1,221 |
| Tier 1 risk-based capital ratio | 24.1239% | 836 |
| Total risk-based capital ratio | 25.3792% | 819 |
| Memoranda: | ||
| Average total assets | $113,358,670 | 3,854 |
| Average earning assets | $107,831,000 | 3,809 |
| Average equity | $14,920,670 | 3,686 |
| Average total loans | $83,526,670 | 3,591 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 3,103 |
| Cost of funding earning assets | 0.5220% | 3,964 |
| Net interest margin | 3.9115% | 2,150 |
| Noninterest income to average assets | 0.0851% | 5,131 |
| Noninterest expense to average assets | 3.0145% | 1,956 |
| Loan and lease loss provision to assets | -0.0851% | 5,280 |
| Net operating income to assets | 0.7270% | 3,853 |
| Return on assets (ROA) | 0.7270% | 3,901 |
| Pretax return on assets | 0.8760% | 3,840 |
| Return on Equity (ROE) | 5.5161% | 4,185 |
| Retained earnings to average equity (ytd only) | 1.4799% | 4,203 |
| Net charge-offs to loans | -0.1205% | 5,072 |
| Credit loss provision to net charge-offs | 96.0000% | 1,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2171% | 1,132 |
| Assets per employee ($millions) | 3.7749% | 4,229 |
| Cash dividends to net income (ytd only)* | 73.1707% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 2,190 |
| Loan loss allowance to noncurrent loans | 175.4934% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 2,493 |
| Noncurrent loans to loans | 0.7285% | 2,198 |
| Net loans and leases to total assets | 72.7580% | 2,032 |
| Net loans and leases to deposits | 86.5088% | 2,069 |
| Net loans and leases to core deposits | 87.2110% | 2,764 |
| Total domestic deposits to total assets | 84.1048% | 3,014 |
| Equity capital to assets | 13.1702% | 1,361 |
| Core capital (leverage) ratio | 13.2785% | 1,155 |
| Tier 1 risk-based capital ratio | 24.4584% | 801 |
| Total risk-based capital ratio | 25.7148% | 784 |
| Memoranda: | ||
| Average total assets | $112,789,000 | 3,898 |
| Average earning assets | $107,272,500 | 3,856 |
| Average equity | $14,865,500 | 3,710 |
| Average total loans | $82,978,500 | 3,633 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2369% | 3,327 |
| Cost of funding earning assets | 0.3812% | 4,099 |
| Net interest margin | 3.8557% | 2,480 |
| Noninterest income to average assets | 0.1318% | 5,036 |
| Noninterest expense to average assets | 2.9260% | 2,254 |
| Loan and lease loss provision to assets | -0.0341% | 5,158 |
| Net operating income to assets | 0.7055% | 4,125 |
| Return on assets (ROA) | 0.7055% | 4,127 |
| Pretax return on assets | 0.9027% | 3,894 |
| Return on Equity (ROE) | 5.3734% | 4,361 |
| Retained earnings to average equity (ytd only) | 1.5158% | 4,528 |
| Net charge-offs to loans | 0.0247% | 2,913 |
| Credit loss provision to net charge-offs | -190.0000% | 4,469 |
| Earnings coverage of net charge-offs (x) | 48.4500% | 1,156 |
| Efficiency ratio | 77.1084% | 1,222 |
| Assets per employee ($millions) | 3.7443% | 4,260 |
| Cash dividends to net income (ytd only)* | 71.7916% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 2,083 |
| Loan loss allowance to noncurrent loans | 132.2581% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 1,931 |
| Noncurrent loans to loans | 0.9771% | 1,663 |
| Net loans and leases to total assets | 72.4891% | 2,179 |
| Net loans and leases to deposits | 86.7075% | 2,189 |
| Net loans and leases to core deposits | 87.4177% | 2,800 |
| Total domestic deposits to total assets | 83.6019% | 3,125 |
| Equity capital to assets | 13.1897% | 1,257 |
| Core capital (leverage) ratio | 13.3576% | 1,127 |
| Tier 1 risk-based capital ratio | 24.8071% | 756 |
| Total risk-based capital ratio | 26.0629% | 740 |
| Memoranda: | ||
| Average total assets | $111,551,800 | 3,916 |
| Average earning assets | $105,973,000 | 3,876 |
| Average equity | $14,646,200 | 3,679 |
| Average total loans | $81,046,800 | 3,647 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1980% | 3,333 |
| Cost of funding earning assets | 0.3517% | 4,171 |
| Net interest margin | 3.8463% | 2,482 |
| Noninterest income to average assets | 0.1305% | 5,106 |
| Noninterest expense to average assets | 2.9466% | 2,178 |
| Loan and lease loss provision to assets | 0.0048% | 3,875 |
| Net operating income to assets | 0.6406% | 4,397 |
| Return on assets (ROA) | 0.6406% | 4,404 |
| Pretax return on assets | 0.8321% | 4,219 |
| Return on Equity (ROE) | 4.8845% | 4,600 |
| Retained earnings to average equity (ytd only) | 1.0956% | 4,832 |
| Net charge-offs to loans | 0.1024% | 1,464 |
| Credit loss provision to net charge-offs | 6.4516% | 3,066 |
| Earnings coverage of net charge-offs (x) | 11.2749% | 2,526 |
| Efficiency ratio | 77.8797% | 1,131 |
| Assets per employee ($millions) | 3.5625% | 4,477 |
| Cash dividends to net income (ytd only)* | 77.5697% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 2,099 |
| Loan loss allowance to noncurrent loans | 172.4919% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.5596% | 2,516 |
| Noncurrent loans to loans | 0.7529% | 2,208 |
| Net loans and leases to total assets | 73.3558% | 2,104 |
| Net loans and leases to deposits | 88.0297% | 2,150 |
| Net loans and leases to core deposits | 88.7618% | 2,772 |
| Total domestic deposits to total assets | 83.3308% | 3,186 |
| Equity capital to assets | 13.2700% | 1,222 |
| Core capital (leverage) ratio | 13.2424% | 1,192 |
| Tier 1 risk-based capital ratio | 24.4956% | 799 |
| Total risk-based capital ratio | 25.7525% | 777 |
| Memoranda: | ||
| Average total assets | $111,357,250 | 3,960 |
| Average earning assets | $105,761,250 | 3,918 |
| Average equity | $14,603,750 | 3,711 |
| Average total loans | $80,685,250 | 3,683 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1174% | 3,389 |
| Cost of funding earning assets | 0.3243% | 4,244 |
| Net interest margin | 3.7931% | 2,585 |
| Noninterest income to average assets | 0.1325% | 5,146 |
| Noninterest expense to average assets | 2.9410% | 2,222 |
| Loan and lease loss provision to assets | 0.0090% | 3,666 |
| Net operating income to assets | 0.5821% | 4,555 |
| Return on assets (ROA) | 0.5821% | 4,549 |
| Pretax return on assets | 0.7863% | 4,288 |
| Return on Equity (ROE) | 4.4561% | 4,705 |
| Retained earnings to average equity (ytd only) | 0.8227% | 4,797 |
| Net charge-offs to loans | 0.1870% | 837 |
| Credit loss provision to net charge-offs | 6.6667% | 2,744 |
| Earnings coverage of net charge-offs (x) | 5.9200% | 2,674 |
| Efficiency ratio | 78.7152% | 1,144 |
| Assets per employee ($millions) | 3.6670% | 4,384 |
| Cash dividends to net income (ytd only)* | 81.5385% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 2,131 |
| Loan loss allowance to noncurrent loans | 117.7654% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 1,905 |
| Noncurrent loans to loans | 1.1105% | 1,587 |
| Net loans and leases to total assets | 69.9682% | 2,587 |
| Net loans and leases to deposits | 83.5280% | 2,589 |
| Net loans and leases to core deposits | 83.8423% | 3,093 |
| Total domestic deposits to total assets | 83.7661% | 3,144 |
| Equity capital to assets | 12.8400% | 1,375 |
| Core capital (leverage) ratio | 13.0109% | 1,212 |
| Tier 1 risk-based capital ratio | 24.4729% | 792 |
| Total risk-based capital ratio | 25.7287% | 768 |
| Memoranda: | ||
| Average total assets | $111,664,000 | 3,990 |
| Average earning assets | $106,087,000 | 3,944 |
| Average equity | $14,586,670 | 3,734 |
| Average total loans | $80,221,000 | 3,706 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0982% | 3,243 |
| Cost of funding earning assets | 0.2816% | 4,496 |
| Net interest margin | 3.8166% | 2,350 |
| Noninterest income to average assets | 0.1301% | 5,213 |
| Noninterest expense to average assets | 2.9677% | 2,151 |
| Loan and lease loss provision to assets | 0.0181% | 3,298 |
| Net operating income to assets | 0.5711% | 4,510 |
| Return on assets (ROA) | 0.5711% | 4,514 |
| Pretax return on assets | 0.7699% | 4,221 |
| Return on Equity (ROE) | 4.3341% | 4,670 |
| Retained earnings to average equity (ytd only) | 0.7681% | 4,673 |
| Net charge-offs to loans | 0.3798% | 414 |
| Credit loss provision to net charge-offs | 6.5789% | 2,183 |
| Earnings coverage of net charge-offs (x) | 2.8684% | 2,429 |
| Efficiency ratio | 79.0183% | 1,255 |
| Assets per employee ($millions) | 3.6574% | 4,465 |
| Cash dividends to net income (ytd only)* | 82.2785% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 2,216 |
| Loan loss allowance to noncurrent loans | 127.0205% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 2,122 |
| Noncurrent loans to loans | 1.0287% | 1,777 |
| Net loans and leases to total assets | 70.1468% | 2,460 |
| Net loans and leases to deposits | 83.8749% | 2,401 |
| Net loans and leases to core deposits | 84.1910% | 2,963 |
| Total domestic deposits to total assets | 83.6326% | 3,457 |
| Equity capital to assets | 12.8464% | 1,319 |
| Core capital (leverage) ratio | 13.4604% | 1,019 |
| Tier 1 risk-based capital ratio | 24.3535% | 809 |
| Total risk-based capital ratio | 25.6093% | 786 |
| Memoranda: | ||
| Average total assets | $110,658,000 | 4,056 |
| Average earning assets | $105,120,000 | 4,009 |
| Average equity | $14,582,000 | 3,760 |
| Average total loans | $80,036,000 | 3,745 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0956% | 3,074 |
| Cost of funding earning assets | 0.2429% | 4,622 |
| Net interest margin | 3.8527% | 2,242 |
| Noninterest income to average assets | 0.1309% | 5,289 |
| Noninterest expense to average assets | 3.0062% | 2,155 |
| Loan and lease loss provision to assets | -0.0036% | 5,289 |
| Net operating income to assets | 0.5373% | 4,270 |
| Return on assets (ROA) | 0.5373% | 4,304 |
| Pretax return on assets | 0.7909% | 4,273 |
| Return on Equity (ROE) | 3.9773% | 4,510 |
| Retained earnings to average equity (ytd only) | -1.8103% | 5,269 |
| Net charge-offs to loans | 0.0171% | 3,525 |
| Credit loss provision to net charge-offs | -28.5714% | 4,617 |
| Earnings coverage of net charge-offs (x) | 61.8571% | 937 |
| Efficiency ratio | 79.2475% | 1,190 |
| Assets per employee ($millions) | 3.4819% | 4,722 |
| Cash dividends to net income (ytd only)* | 145.5161% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 1,709 |
| Loan loss allowance to noncurrent loans | 56.5108% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.8427% | 659 |
| Noncurrent loans to loans | 2.5023% | 533 |
| Net loans and leases to total assets | 72.6009% | 2,150 |
| Net loans and leases to deposits | 84.8646% | 2,392 |
| Net loans and leases to core deposits | 84.8646% | 2,994 |
| Total domestic deposits to total assets | 85.5491% | 2,636 |
| Equity capital to assets | 13.5254% | 1,049 |
| Core capital (leverage) ratio | 13.6498% | 922 |
| Tier 1 risk-based capital ratio | 24.7569% | 745 |
| Total risk-based capital ratio | 26.0157% | 726 |
| Memoranda: | ||
| Average total assets | $110,004,600 | 4,061 |
| Average earning assets | $104,576,600 | 4,011 |
| Average equity | $14,859,400 | 3,736 |
| Average total loans | $81,971,800 | 3,704 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1098% | 2,958 |
| Cost of funding earning assets | 0.2423% | 4,640 |
| Net interest margin | 3.8675% | 2,157 |
| Noninterest income to average assets | 0.1243% | 5,384 |
| Noninterest expense to average assets | 2.9954% | 2,121 |
| Loan and lease loss provision to assets | 0.0048% | 4,024 |
| Net operating income to assets | 0.5477% | 4,581 |
| Return on assets (ROA) | 0.5477% | 4,614 |
| Pretax return on assets | 0.8022% | 4,342 |
| Return on Equity (ROE) | 4.0559% | 4,838 |
| Retained earnings to average equity (ytd only) | 0.3037% | 5,149 |
| Net charge-offs to loans | 0.0129% | 3,279 |
| Credit loss provision to net charge-offs | 50.0000% | 2,907 |
| Earnings coverage of net charge-offs (x) | 83.5970% | 789 |
| Efficiency ratio | 78.7754% | 1,237 |
| Assets per employee ($millions) | 3.4749% | 4,762 |
| Cash dividends to net income (ytd only)* | 92.5114% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 1,838 |
| Loan loss allowance to noncurrent loans | 55.8665% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 1.8910% | 712 |
| Noncurrent loans to loans | 2.5255% | 599 |
| Net loans and leases to total assets | 73.8187% | 1,942 |
| Net loans and leases to deposits | 86.7893% | 2,210 |
| Net loans and leases to core deposits | 86.7893% | 2,894 |
| Total domestic deposits to total assets | 85.0550% | 2,692 |
| Equity capital to assets | 13.8709% | 1,030 |
| Core capital (leverage) ratio | 13.7987% | 946 |
| Tier 1 risk-based capital ratio | 25.0887% | 742 |
| Total risk-based capital ratio | 26.3469% | 722 |
| Memoranda: | ||
| Average total assets | $110,521,250 | 4,098 |
| Average earning assets | $105,112,500 | 4,049 |
| Average equity | $14,924,500 | 3,759 |
| Average total loans | $82,592,750 | 3,712 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0888% | 2,861 |
| Cost of funding earning assets | 0.2452% | 4,586 |
| Net interest margin | 3.8437% | 2,116 |
| Noninterest income to average assets | 0.1310% | 5,398 |
| Noninterest expense to average assets | 2.9806% | 2,172 |
| Loan and lease loss provision to assets | 0.0090% | 3,748 |
| Net operating income to assets | 0.5473% | 4,532 |
| Return on assets (ROA) | 0.5473% | 4,570 |
| Pretax return on assets | 0.7985% | 4,285 |
| Return on Equity (ROE) | 4.0888% | 4,804 |
| Retained earnings to average equity (ytd only) | 0.5362% | 4,971 |
| Net charge-offs to loans | 0.0240% | 2,736 |
| Credit loss provision to net charge-offs | 50.0000% | 2,561 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,159 |
| Efficiency ratio | 78.6831% | 1,369 |
| Assets per employee ($millions) | 3.5534% | 4,642 |
| Cash dividends to net income (ytd only)* | 86.8852% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 2,121 |
| Loan loss allowance to noncurrent loans | 55.0339% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 1.9382% | 671 |
| Noncurrent loans to loans | 2.4704% | 613 |
| Net loans and leases to total assets | 74.8883% | 1,714 |
| Net loans and leases to deposits | 87.7558% | 2,020 |
| Net loans and leases to core deposits | 87.7558% | 2,722 |
| Total domestic deposits to total assets | 85.3372% | 2,680 |
| Equity capital to assets | 13.5698% | 1,120 |
| Core capital (leverage) ratio | 13.6348% | 957 |
| Tier 1 risk-based capital ratio | 24.1154% | 843 |
| Total risk-based capital ratio | 25.3726% | 818 |
| Memoranda: | ||
| Average total assets | $111,454,330 | 4,107 |
| Average earning assets | $106,044,670 | 4,045 |
| Average equity | $14,918,670 | 3,771 |
| Average total loans | $83,238,000 | 3,713 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0323% | 2,922 |
| Cost of funding earning assets | 0.2473% | 4,557 |
| Net interest margin | 3.7850% | 2,166 |
| Noninterest income to average assets | 0.1356% | 5,433 |
| Noninterest expense to average assets | 2.9972% | 2,169 |
| Loan and lease loss provision to assets | 0.0143% | 3,379 |
| Net operating income to assets | 0.4995% | 4,598 |
| Return on assets (ROA) | 0.4995% | 4,624 |
| Pretax return on assets | 0.7279% | 4,352 |
| Return on Equity (ROE) | 3.7574% | 4,864 |
| Retained earnings to average equity (ytd only) | 0.2684% | 4,851 |
| Net charge-offs to loans | 0.0482% | 1,889 |
| Credit loss provision to net charge-offs | 40.0000% | 2,060 |
| Earnings coverage of net charge-offs (x) | 20.8000% | 1,474 |
| Efficiency ratio | 80.1527% | 1,366 |
| Assets per employee ($millions) | 3.3775% | 4,959 |
| Cash dividends to net income (ytd only)* | 92.8571% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 2,278 |
| Loan loss allowance to noncurrent loans | 59.3832% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 1.7612% | 825 |
| Noncurrent loans to loans | 2.2846% | 727 |
| Net loans and leases to total assets | 74.1053% | 1,714 |
| Net loans and leases to deposits | 86.6587% | 1,960 |
| Net loans and leases to core deposits | 86.6587% | 2,667 |
| Total domestic deposits to total assets | 85.5140% | 2,882 |
| Equity capital to assets | 13.3771% | 1,117 |
| Core capital (leverage) ratio | 13.3341% | 1,024 |
| Tier 1 risk-based capital ratio | 24.2104% | 846 |
| Total risk-based capital ratio | 25.4670% | 825 |
| Memoranda: | ||
| Average total assets | $112,103,500 | 4,130 |
| Average earning assets | $106,737,000 | 4,069 |
| Average equity | $14,904,000 | 3,796 |
| Average total loans | $83,041,500 | 3,741 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0949% | 2,869 |
| Cost of funding earning assets | 0.2994% | 4,073 |
| Net interest margin | 3.7956% | 2,332 |
| Noninterest income to average assets | 0.1230% | 5,572 |
| Noninterest expense to average assets | 3.0838% | 2,085 |
| Loan and lease loss provision to assets | 0.0009% | 4,320 |
| Net operating income to assets | 0.4510% | 4,794 |
| Return on assets (ROA) | 0.4510% | 4,872 |
| Pretax return on assets | 0.6542% | 4,641 |
| Return on Equity (ROE) | 3.3890% | 5,047 |
| Retained earnings to average equity (ytd only) | 0.1741% | 5,250 |
| Net charge-offs to loans | -0.0437% | 5,358 |
| Credit loss provision to net charge-offs | -2.7778% | 4,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4791% | 1,147 |
| Assets per employee ($millions) | 3.2214% | 5,128 |
| Cash dividends to net income (ytd only)* | 94.8617% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 2,141 |
| Loan loss allowance to noncurrent loans | 43.9062% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 2.3069% | 540 |
| Noncurrent loans to loans | 3.1585% | 413 |
| Net loans and leases to total assets | 72.0261% | 2,165 |
| Net loans and leases to deposits | 84.1237% | 2,397 |
| Net loans and leases to core deposits | 84.1237% | 3,011 |
| Total domestic deposits to total assets | 85.6193% | 2,768 |
| Equity capital to assets | 13.2135% | 1,168 |
| Core capital (leverage) ratio | 13.2551% | 1,044 |
| Tier 1 risk-based capital ratio | 24.8118% | 787 |
| Total risk-based capital ratio | 26.0705% | 774 |
| Memoranda: | ||
| Average total assets | $112,198,200 | 4,122 |
| Average earning assets | $106,887,800 | 4,059 |
| Average equity | $14,930,800 | 3,817 |
| Average total loans | $82,446,200 | 3,756 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1142% | 2,825 |
| Cost of funding earning assets | 0.3098% | 3,980 |
| Net interest margin | 3.8044% | 2,314 |
| Noninterest income to average assets | 0.1297% | 5,601 |
| Noninterest expense to average assets | 3.1161% | 1,992 |
| Loan and lease loss provision to assets | 0.0012% | 4,178 |
| Net operating income to assets | 0.4390% | 4,905 |
| Return on assets (ROA) | 0.4390% | 4,988 |
| Pretax return on assets | 0.6365% | 4,770 |
| Return on Equity (ROE) | 3.2933% | 5,147 |
| Retained earnings to average equity (ytd only) | 0.0803% | 5,316 |
| Net charge-offs to loans | -0.0711% | 5,472 |
| Credit loss provision to net charge-offs | -2.2727% | 4,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0111% | 1,073 |
| Assets per employee ($millions) | 3.2721% | 5,080 |
| Cash dividends to net income (ytd only)* | 97.5609% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 2,316 |
| Loan loss allowance to noncurrent loans | 46.7480% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 2.3002% | 624 |
| Noncurrent loans to loans | 2.9429% | 521 |
| Net loans and leases to total assets | 74.1029% | 1,858 |
| Net loans and leases to deposits | 86.8559% | 2,162 |
| Net loans and leases to core deposits | 86.8559% | 2,866 |
| Total domestic deposits to total assets | 85.3171% | 2,670 |
| Equity capital to assets | 13.4299% | 1,277 |
| Core capital (leverage) ratio | 13.4995% | 1,002 |
| Tier 1 risk-based capital ratio | 24.5959% | 848 |
| Total risk-based capital ratio | 25.8534% | 835 |
| Memoranda: | ||
| Average total assets | $112,060,750 | 4,156 |
| Average earning assets | $106,750,500 | 4,091 |
| Average equity | $14,939,000 | 3,845 |
| Average total loans | $82,470,250 | 3,769 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1202% | 2,784 |
| Cost of funding earning assets | 0.3177% | 3,925 |
| Net interest margin | 3.8025% | 2,310 |
| Noninterest income to average assets | 0.1211% | 5,704 |
| Noninterest expense to average assets | 3.1051% | 2,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4398% | 4,906 |
| Return on assets (ROA) | 0.4398% | 4,991 |
| Pretax return on assets | 0.6392% | 4,790 |
| Return on Equity (ROE) | 3.3069% | 5,164 |
| Retained earnings to average equity (ytd only) | 0.0937% | 5,265 |
| Net charge-offs to loans | -0.1632% | 5,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9291% | 1,156 |
| Assets per employee ($millions) | 3.2747% | 5,108 |
| Cash dividends to net income (ytd only)* | 97.1660% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 2,276 |
| Loan loss allowance to noncurrent loans | 47.5842% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 2.2121% | 695 |
| Noncurrent loans to loans | 2.9522% | 510 |
| Net loans and leases to total assets | 73.8784% | 1,865 |
| Net loans and leases to deposits | 86.6830% | 2,171 |
| Net loans and leases to core deposits | 86.6830% | 2,840 |
| Total domestic deposits to total assets | 85.2283% | 2,771 |
| Equity capital to assets | 13.4299% | 1,272 |
| Core capital (leverage) ratio | 13.3834% | 1,023 |
| Tier 1 risk-based capital ratio | 24.7069% | 835 |
| Total risk-based capital ratio | 25.9652% | 826 |
| Memoranda: | ||
| Average total assets | $112,330,330 | 4,180 |
| Average earning assets | $107,034,670 | 4,114 |
| Average equity | $14,938,330 | 3,867 |
| Average total loans | $82,096,670 | 3,795 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 2,865 |
| Cost of funding earning assets | 0.3272% | 3,874 |
| Net interest margin | 3.7667% | 2,414 |
| Noninterest income to average assets | 0.1135% | 5,776 |
| Noninterest expense to average assets | 3.0561% | 2,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4467% | 4,845 |
| Return on assets (ROA) | 0.4467% | 4,924 |
| Pretax return on assets | 0.6488% | 4,680 |
| Return on Equity (ROE) | 3.3755% | 5,108 |
| Retained earnings to average equity (ytd only) | 0.1607% | 5,072 |
| Net charge-offs to loans | -0.3586% | 5,958 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4880% | 1,332 |
| Assets per employee ($millions) | 3.3881% | 4,995 |
| Cash dividends to net income (ytd only)* | 95.2381% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4425% | 2,236 |
| Loan loss allowance to noncurrent loans | 41.6402% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 2.5303% | 581 |
| Noncurrent loans to loans | 3.4643% | 393 |
| Net loans and leases to total assets | 71.9839% | 2,043 |
| Net loans and leases to deposits | 84.4195% | 2,259 |
| Net loans and leases to core deposits | 84.4195% | 2,897 |
| Total domestic deposits to total assets | 85.2693% | 3,009 |
| Equity capital to assets | 13.3748% | 1,230 |
| Core capital (leverage) ratio | 13.3107% | 1,048 |
| Tier 1 risk-based capital ratio | 25.3267% | 787 |
| Total risk-based capital ratio | 26.5862% | 773 |
| Memoranda: | ||
| Average total assets | $112,825,000 | 4,205 |
| Average earning assets | $107,574,000 | 4,134 |
| Average equity | $14,931,000 | 3,876 |
| Average total loans | $81,430,500 | 3,821 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 2,462 |
| Cost of funding earning assets | 0.3907% | 3,257 |
| Net interest margin | 3.8384% | 2,240 |
| Noninterest income to average assets | 0.1142% | 5,832 |
| Noninterest expense to average assets | 2.9679% | 2,653 |
| Loan and lease loss provision to assets | 0.1356% | 1,753 |
| Net operating income to assets | 0.4575% | 4,853 |
| Return on assets (ROA) | 0.4575% | 4,936 |
| Pretax return on assets | 0.6644% | 4,634 |
| Return on Equity (ROE) | 3.4348% | 5,155 |
| Retained earnings to average equity (ytd only) | -0.3147% | 5,559 |
| Net charge-offs to loans | 0.1890% | 1,534 |
| Credit loss provision to net charge-offs | 99.3464% | 2,566 |
| Earnings coverage of net charge-offs (x) | 5.8627% | 3,315 |
| Efficiency ratio | 78.7692% | 1,851 |
| Assets per employee ($millions) | 3.5576% | 4,708 |
| Cash dividends to net income (ytd only)* | 109.1618% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 2,614 |
| Loan loss allowance to noncurrent loans | 40.9259% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 2.3717% | 670 |
| Noncurrent loans to loans | 3.3251% | 443 |
| Net loans and leases to total assets | 70.3557% | 2,316 |
| Net loans and leases to deposits | 82.2888% | 2,554 |
| Net loans and leases to core deposits | 82.2888% | 3,114 |
| Total domestic deposits to total assets | 85.4984% | 2,863 |
| Equity capital to assets | 13.0952% | 1,304 |
| Core capital (leverage) ratio | 13.1908% | 1,076 |
| Tier 1 risk-based capital ratio | 25.4273% | 779 |
| Total risk-based capital ratio | 26.6855% | 762 |
| Memoranda: | ||
| Average total assets | $112,132,400 | 4,220 |
| Average earning assets | $106,737,000 | 4,123 |
| Average equity | $14,935,200 | 3,845 |
| Average total loans | $80,954,600 | 3,794 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2771% | 2,311 |
| Cost of funding earning assets | 0.4026% | 3,201 |
| Net interest margin | 3.8745% | 2,113 |
| Noninterest income to average assets | 0.1074% | 5,928 |
| Noninterest expense to average assets | 2.9685% | 2,611 |
| Loan and lease loss provision to assets | 0.1611% | 1,333 |
| Net operating income to assets | 0.4583% | 4,939 |
| Return on assets (ROA) | 0.4583% | 5,038 |
| Pretax return on assets | 0.6648% | 4,790 |
| Return on Equity (ROE) | 3.4265% | 5,242 |
| Retained earnings to average equity (ytd only) | -0.4997% | 5,692 |
| Net charge-offs to loans | 0.2324% | 1,132 |
| Credit loss provision to net charge-offs | 95.7447% | 2,374 |
| Earnings coverage of net charge-offs (x) | 4.9077% | 3,280 |
| Efficiency ratio | 78.2321% | 1,916 |
| Assets per employee ($millions) | 3.4553% | 4,882 |
| Cash dividends to net income (ytd only)* | 114.5823% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 2,807 |
| Loan loss allowance to noncurrent loans | 42.1456% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 2.3605% | 762 |
| Noncurrent loans to loans | 3.2206% | 521 |
| Net loans and leases to total assets | 72.3003% | 2,011 |
| Net loans and leases to deposits | 85.1306% | 2,263 |
| Net loans and leases to core deposits | 85.1306% | 2,940 |
| Total domestic deposits to total assets | 84.9287% | 3,042 |
| Equity capital to assets | 13.5093% | 1,223 |
| Core capital (leverage) ratio | 13.4193% | 1,051 |
| Tier 1 risk-based capital ratio | 25.9443% | 768 |
| Total risk-based capital ratio | 27.2027% | 754 |
| Memoranda: | ||
| Average total assets | $111,704,750 | 4,269 |
| Average earning assets | $106,299,250 | 4,176 |
| Average equity | $14,942,000 | 3,885 |
| Average total loans | $80,893,250 | 3,831 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3097% | 2,140 |
| Cost of funding earning assets | 0.4107% | 3,152 |
| Net interest margin | 3.8990% | 1,982 |
| Noninterest income to average assets | 0.1035% | 6,016 |
| Noninterest expense to average assets | 2.9389% | 2,757 |
| Loan and lease loss provision to assets | 0.1981% | 998 |
| Net operating income to assets | 0.4657% | 4,913 |
| Return on assets (ROA) | 0.4657% | 5,011 |
| Pretax return on assets | 0.6763% | 4,730 |
| Return on Equity (ROE) | 3.4931% | 5,231 |
| Retained earnings to average equity (ytd only) | -0.6558% | 5,637 |
| Net charge-offs to loans | 0.3513% | 750 |
| Credit loss provision to net charge-offs | 78.1690% | 2,358 |
| Earnings coverage of net charge-offs (x) | 3.4507% | 3,195 |
| Efficiency ratio | 77.0707% | 2,190 |
| Assets per employee ($millions) | 3.4912% | 4,813 |
| Cash dividends to net income (ytd only)* | 118.7739% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 3,029 |
| Loan loss allowance to noncurrent loans | 37.0052% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 2.6003% | 712 |
| Noncurrent loans to loans | 3.6231% | 474 |
| Net loans and leases to total assets | 70.8077% | 2,192 |
| Net loans and leases to deposits | 83.2623% | 2,406 |
| Net loans and leases to core deposits | 83.2623% | 3,052 |
| Total domestic deposits to total assets | 85.0418% | 3,105 |
| Equity capital to assets | 13.3694% | 1,234 |
| Core capital (leverage) ratio | 13.3493% | 1,028 |
| Tier 1 risk-based capital ratio | 25.9406% | 785 |
| Total risk-based capital ratio | 27.1982% | 772 |
| Memoranda: | ||
| Average total assets | $112,083,670 | 4,295 |
| Average earning assets | $106,643,670 | 4,209 |
| Average equity | $14,943,670 | 3,901 |
| Average total loans | $80,844,000 | 3,851 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 2,082 |
| Cost of funding earning assets | 0.4231% | 3,030 |
| Net interest margin | 3.8826% | 1,953 |
| Noninterest income to average assets | 0.0713% | 6,172 |
| Noninterest expense to average assets | 2.9359% | 2,789 |
| Loan and lease loss provision to assets | 0.1781% | 1,086 |
| Net operating income to assets | 0.4489% | 4,878 |
| Return on assets (ROA) | 0.4489% | 4,994 |
| Pretax return on assets | 0.6520% | 4,754 |
| Return on Equity (ROE) | 3.3718% | 5,221 |
| Retained earnings to average equity (ytd only) | -1.7127% | 5,651 |
| Net charge-offs to loans | 0.3696% | 661 |
| Credit loss provision to net charge-offs | 66.6667% | 1,941 |
| Earnings coverage of net charge-offs (x) | 3.1067% | 2,654 |
| Efficiency ratio | 77.9565% | 2,193 |
| Assets per employee ($millions) | 3.5147% | 4,875 |
| Cash dividends to net income (ytd only)* | 150.7937% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 3,185 |
| Loan loss allowance to noncurrent loans | 23.7844% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 4.0900% | 367 |
| Noncurrent loans to loans | 5.6371% | 206 |
| Net loans and leases to total assets | 70.7270% | 2,032 |
| Net loans and leases to deposits | 83.1245% | 2,193 |
| Net loans and leases to core deposits | 83.1245% | 2,856 |
| Total domestic deposits to total assets | 85.0857% | 3,362 |
| Equity capital to assets | 13.2730% | 1,269 |
| Core capital (leverage) ratio | 13.2897% | 1,054 |
| Tier 1 risk-based capital ratio | 25.2571% | 862 |
| Total risk-based capital ratio | 26.5144% | 840 |
| Memoranda: | ||
| Average total assets | $112,266,500 | 4,324 |
| Average earning assets | $106,835,500 | 4,238 |
| Average equity | $14,947,500 | 3,922 |
| Average total loans | $81,176,000 | 3,854 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3587% | 2,374 |
| Cost of funding earning assets | 0.4981% | 2,697 |
| Net interest margin | 3.8607% | 2,390 |
| Noninterest income to average assets | -0.0638% | 6,439 |
| Noninterest expense to average assets | 2.9361% | 3,037 |
| Loan and lease loss provision to assets | 0.7049% | 177 |
| Net operating income to assets | -0.0078% | 6,098 |
| Return on assets (ROA) | -0.0078% | 6,115 |
| Pretax return on assets | -0.0466% | 6,120 |
| Return on Equity (ROE) | -0.0600% | 6,113 |
| Retained earnings to average equity (ytd only) | -1.5258% | 5,967 |
| Net charge-offs to loans | 0.7238% | 504 |
| Credit loss provision to net charge-offs | 133.9344% | 1,770 |
| Earnings coverage of net charge-offs (x) | 1.2508% | 4,457 |
| Efficiency ratio | 81.6851% | 1,698 |
| Assets per employee ($millions) | 3.3959% | 5,071 |
| Cash dividends to net income (ytd only)* | -2,444.4444% | 6,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 3,159 |
| Loan loss allowance to noncurrent loans | 24.5070% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 4.2154% | 387 |
| Noncurrent loans to loans | 5.5222% | 236 |
| Net loans and leases to total assets | 71.9401% | 1,921 |
| Net loans and leases to deposits | 84.7310% | 2,132 |
| Net loans and leases to core deposits | 84.7310% | 2,816 |
| Total domestic deposits to total assets | 84.9042% | 3,328 |
| Equity capital to assets | 13.3558% | 1,210 |
| Core capital (leverage) ratio | 13.3664% | 1,009 |
| Tier 1 risk-based capital ratio | 25.1304% | 827 |
| Total risk-based capital ratio | 26.3884% | 813 |
| Memoranda: | ||
| Average total assets | $115,901,000 | 4,260 |
| Average earning assets | $109,825,200 | 4,188 |
| Average equity | $15,008,800 | 3,832 |
| Average total loans | $84,274,600 | 3,763 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 2,409 |
| Cost of funding earning assets | 0.5122% | 2,632 |
| Net interest margin | 3.8410% | 2,472 |
| Noninterest income to average assets | -0.1152% | 6,532 |
| Noninterest expense to average assets | 2.9459% | 2,971 |
| Loan and lease loss provision to assets | 0.9709% | 119 |
| Net operating income to assets | -0.2373% | 6,285 |
| Return on assets (ROA) | -0.2373% | 6,287 |
| Pretax return on assets | -0.3959% | 6,328 |
| Return on Equity (ROE) | -1.8465% | 6,276 |
| Retained earnings to average equity (ytd only) | -2.7342% | 6,124 |
| Net charge-offs to loans | 0.9657% | 322 |
| Credit loss provision to net charge-offs | 138.3740% | 1,694 |
| Earnings coverage of net charge-offs (x) | 0.8195% | 4,312 |
| Efficiency ratio | 83.6682% | 1,427 |
| Assets per employee ($millions) | 3.2583% | 5,314 |
| Cash dividends to net income (ytd only)* | -48.0763% | 6,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 3,305 |
| Loan loss allowance to noncurrent loans | 25.6671% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 4.1830% | 449 |
| Noncurrent loans to loans | 5.3345% | 312 |
| Net loans and leases to total assets | 73.8024% | 1,554 |
| Net loans and leases to deposits | 87.1594% | 1,769 |
| Net loans and leases to core deposits | 87.1594% | 2,523 |
| Total domestic deposits to total assets | 84.6752% | 3,467 |
| Equity capital to assets | 13.4346% | 1,215 |
| Core capital (leverage) ratio | 13.4497% | 1,018 |
| Tier 1 risk-based capital ratio | 24.2420% | 962 |
| Total risk-based capital ratio | 25.4993% | 940 |
| Memoranda: | ||
| Average total assets | $116,860,250 | 4,282 |
| Average earning assets | $110,628,000 | 4,201 |
| Average equity | $15,019,250 | 3,850 |
| Average total loans | $84,912,000 | 3,780 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2836% | 2,642 |
| Cost of funding earning assets | 0.5139% | 2,687 |
| Net interest margin | 3.7697% | 2,666 |
| Noninterest income to average assets | -0.2406% | 6,632 |
| Noninterest expense to average assets | 2.9087% | 3,133 |
| Loan and lease loss provision to assets | 1.3610% | 67 |
| Net operating income to assets | -0.5955% | 6,458 |
| Return on assets (ROA) | -0.5955% | 6,463 |
| Pretax return on assets | -0.9438% | 6,503 |
| Return on Equity (ROE) | -4.6997% | 6,424 |
| Retained earnings to average equity (ytd only) | -4.6997% | 6,213 |
| Net charge-offs to loans | 1.4302% | 200 |
| Credit loss provision to net charge-offs | 132.1895% | 1,592 |
| Earnings coverage of net charge-offs (x) | 0.4052% | 4,050 |
| Efficiency ratio | 87.4557% | 1,137 |
| Assets per employee ($millions) | 3.4783% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 3,804 |
| Loan loss allowance to noncurrent loans | 21.9244% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 4.7268% | 398 |
| Noncurrent loans to loans | 5.9739% | 263 |
| Net loans and leases to total assets | 69.8316% | 2,111 |
| Net loans and leases to deposits | 81.6065% | 2,301 |
| Net loans and leases to core deposits | 81.6065% | 3,017 |
| Total domestic deposits to total assets | 85.5711% | 3,257 |
| Equity capital to assets | 12.5534% | 1,611 |
| Core capital (leverage) ratio | 12.5616% | 1,364 |
| Tier 1 risk-based capital ratio | 23.1751% | 1,085 |
| Total risk-based capital ratio | 24.4307% | 1,069 |
| Memoranda: | ||
| Average total assets | $118,886,670 | 4,265 |
| Average earning assets | $112,476,330 | 4,177 |
| Average equity | $15,064,670 | 3,844 |
| Average total loans | $85,584,670 | 3,778 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 2,369 |
| Cost of funding earning assets | 0.5149% | 2,758 |
| Net interest margin | 3.8242% | 2,369 |
| Noninterest income to average assets | -0.0403% | 6,646 |
| Noninterest expense to average assets | 3.0336% | 2,756 |
| Loan and lease loss provision to assets | 0.7819% | 153 |
| Net operating income to assets | -0.1107% | 6,293 |
| Return on assets (ROA) | -0.1107% | 6,303 |
| Pretax return on assets | -0.2416% | 6,366 |
| Return on Equity (ROE) | -0.8699% | 6,283 |
| Retained earnings to average equity (ytd only) | -0.8699% | 5,705 |
| Net charge-offs to loans | 0.9060% | 385 |
| Credit loss provision to net charge-offs | 118.8776% | 1,469 |
| Earnings coverage of net charge-offs (x) | 0.8214% | 3,255 |
| Efficiency ratio | 84.8826% | 1,568 |
| Assets per employee ($millions) | 3.5233% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 5,161 |
| Loan loss allowance to noncurrent loans | 16.6252% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 5.5112% | 343 |
| Noncurrent loans to loans | 6.5496% | 251 |
| Net loans and leases to total assets | 70.9749% | 1,725 |
| Net loans and leases to deposits | 83.0408% | 1,941 |
| Net loans and leases to core deposits | 83.0408% | 2,640 |
| Total domestic deposits to total assets | 85.4699% | 3,633 |
| Equity capital to assets | 12.6552% | 1,484 |
| Core capital (leverage) ratio | 12.6681% | 1,313 |
| Tier 1 risk-based capital ratio | 23.0572% | 1,133 |
| Total risk-based capital ratio | 24.3088% | 1,127 |
| Memoranda: | ||
| Average total assets | $119,198,500 | 4,296 |
| Average earning assets | $112,651,500 | 4,202 |
| Average equity | $15,174,000 | 3,834 |
| Average total loans | $86,536,500 | 3,784 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 2,281 |
| Cost of funding earning assets | 0.7492% | 1,498 |
| Net interest margin | 3.7324% | 2,932 |
| Noninterest income to average assets | 0.0211% | 6,613 |
| Noninterest expense to average assets | 2.8275% | 3,628 |
| Loan and lease loss provision to assets | 0.0648% | 3,835 |
| Net operating income to assets | 0.4542% | 4,935 |
| Return on assets (ROA) | 0.4542% | 5,063 |
| Pretax return on assets | 0.6542% | 4,687 |
| Return on Equity (ROE) | 3.6946% | 5,239 |
| Retained earnings to average equity (ytd only) | -0.3227% | 5,941 |
| Net charge-offs to loans | 0.1098% | 3,732 |
| Credit loss provision to net charge-offs | 79.2079% | 3,067 |
| Earnings coverage of net charge-offs (x) | 8.7921% | 2,607 |
| Efficiency ratio | 79.7260% | 2,193 |
| Assets per employee ($millions) | 3.4884% | 4,918 |
| Cash dividends to net income (ytd only)* | 108.7344% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 5,407 |
| Loan loss allowance to noncurrent loans | 13.6709% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 6.5360% | 277 |
| Noncurrent loans to loans | 7.5487% | 213 |
| Net loans and leases to total assets | 72.6915% | 1,562 |
| Net loans and leases to deposits | 85.3217% | 1,770 |
| Net loans and leases to core deposits | 85.3217% | 2,529 |
| Total domestic deposits to total assets | 85.1970% | 3,644 |
| Equity capital to assets | 12.8056% | 1,365 |
| Core capital (leverage) ratio | 12.8220% | 1,212 |
| Tier 1 risk-based capital ratio | 22.8460% | 1,121 |
| Total risk-based capital ratio | 24.0970% | 1,096 |
| Memoranda: | ||
| Average total assets | $123,501,600 | 4,196 |
| Average earning assets | $116,655,200 | 4,118 |
| Average equity | $15,184,400 | 3,834 |
| Average total loans | $92,018,400 | 3,640 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5094% | 2,193 |
| Cost of funding earning assets | 0.8147% | 1,240 |
| Net interest margin | 3.6946% | 3,048 |
| Noninterest income to average assets | 0.0492% | 6,637 |
| Noninterest expense to average assets | 2.7836% | 3,718 |
| Loan and lease loss provision to assets | 0.0812% | 3,438 |
| Net operating income to assets | 0.4511% | 5,022 |
| Return on assets (ROA) | 0.4511% | 5,158 |
| Pretax return on assets | 0.6745% | 4,773 |
| Return on Equity (ROE) | 3.7057% | 5,353 |
| Retained earnings to average equity (ytd only) | -1.6509% | 6,222 |
| Net charge-offs to loans | 0.0801% | 3,808 |
| Credit loss provision to net charge-offs | 135.7143% | 1,735 |
| Earnings coverage of net charge-offs (x) | 12.6258% | 2,113 |
| Efficiency ratio | 78.6469% | 2,317 |
| Assets per employee ($millions) | 3.4190% | 5,021 |
| Cash dividends to net income (ytd only)* | 144.5499% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 5,527 |
| Loan loss allowance to noncurrent loans | 14.2727% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 6.3552% | 353 |
| Noncurrent loans to loans | 7.3609% | 266 |
| Net loans and leases to total assets | 73.9834% | 1,295 |
| Net loans and leases to deposits | 86.7477% | 1,519 |
| Net loans and leases to core deposits | 86.7477% | 2,314 |
| Total domestic deposits to total assets | 85.2857% | 3,589 |
| Equity capital to assets | 12.5783% | 1,537 |
| Core capital (leverage) ratio | 12.5925% | 1,373 |
| Tier 1 risk-based capital ratio | 22.2486% | 1,272 |
| Total risk-based capital ratio | 23.5003% | 1,248 |
| Memoranda: | ||
| Average total assets | $124,726,000 | 4,208 |
| Average earning assets | $117,825,250 | 4,128 |
| Average equity | $15,183,500 | 3,880 |
| Average total loans | $93,244,500 | 3,639 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5612% | 1,988 |
| Cost of funding earning assets | 0.9364% | 759 |
| Net interest margin | 3.6248% | 3,263 |
| Noninterest income to average assets | 0.0601% | 6,638 |
| Noninterest expense to average assets | 2.7529% | 3,848 |
| Loan and lease loss provision to assets | 0.0570% | 3,862 |
| Net operating income to assets | 0.4430% | 5,046 |
| Return on assets (ROA) | 0.4430% | 5,211 |
| Pretax return on assets | 0.6740% | 4,767 |
| Return on Equity (ROE) | 3.6776% | 5,345 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,846 |
| Net charge-offs to loans | 0.0720% | 3,682 |
| Credit loss provision to net charge-offs | 105.8824% | 2,091 |
| Earnings coverage of net charge-offs (x) | 13.5882% | 1,892 |
| Efficiency ratio | 79.0191% | 2,296 |
| Assets per employee ($millions) | 3.6341% | 4,545 |
| Cash dividends to net income (ytd only)* | 100.0000% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 5,794 |
| Loan loss allowance to noncurrent loans | 15.4542% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 6.0938% | 443 |
| Noncurrent loans to loans | 6.5087% | 400 |
| Net loans and leases to total assets | 75.6640% | 1,020 |
| Net loans and leases to deposits | 88.9974% | 1,231 |
| Net loans and leases to core deposits | 88.9974% | 2,005 |
| Total domestic deposits to total assets | 85.0181% | 3,883 |
| Equity capital to assets | 12.7063% | 1,468 |
| Core capital (leverage) ratio | 12.7217% | 1,278 |
| Tier 1 risk-based capital ratio | 22.0194% | 1,277 |
| Total risk-based capital ratio | 23.2704% | 1,258 |
| Memoranda: | ||
| Average total assets | $126,412,670 | 4,216 |
| Average earning assets | $119,399,000 | 4,130 |
| Average equity | $15,227,330 | 3,905 |
| Average total loans | $94,501,670 | 3,619 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5294% | 2,066 |
| Cost of funding earning assets | 0.9294% | 849 |
| Net interest margin | 3.6000% | 3,266 |
| Noninterest income to average assets | 0.0586% | 6,702 |
| Noninterest expense to average assets | 2.7210% | 3,980 |
| Loan and lease loss provision to assets | -0.0463% | 6,786 |
| Net operating income to assets | 0.5214% | 4,564 |
| Return on assets (ROA) | 0.5214% | 4,707 |
| Pretax return on assets | 0.7898% | 4,206 |
| Return on Equity (ROE) | 4.4409% | 4,876 |
| Retained earnings to average equity (ytd only) | -2.9168% | 6,182 |
| Net charge-offs to loans | -0.0209% | 5,735 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5396% | 2,525 |
| Assets per employee ($millions) | 3.8348% | 4,284 |
| Cash dividends to net income (ytd only)* | 165.6805% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 6,100 |
| Loan loss allowance to noncurrent loans | 14.4033% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 5.7876% | 571 |
| Noncurrent loans to loans | 6.6767% | 467 |
| Net loans and leases to total assets | 71.8796% | 1,369 |
| Net loans and leases to deposits | 91.4456% | 852 |
| Net loans and leases to core deposits | 91.4456% | 1,564 |
| Total domestic deposits to total assets | 78.6036% | 6,031 |
| Equity capital to assets | 11.6274% | 2,310 |
| Core capital (leverage) ratio | 11.6211% | 1,804 |
| Tier 1 risk-based capital ratio | 20.8482% | 1,574 |
| Total risk-based capital ratio | 22.0978% | 1,547 |
| Memoranda: | ||
| Average total assets | $129,656,500 | 4,192 |
| Average earning assets | $122,665,000 | 4,104 |
| Average equity | $15,222,000 | 3,950 |
| Average total loans | $95,921,500 | 3,614 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9497% | 1,689 |
| Cost of funding earning assets | 1.1213% | 838 |
| Net interest margin | 3.8285% | 3,109 |
| Noninterest income to average assets | 0.0421% | 6,720 |
| Noninterest expense to average assets | 2.6827% | 4,462 |
| Loan and lease loss provision to assets | 0.7099% | 720 |
| Net operating income to assets | 0.1777% | 5,830 |
| Return on assets (ROA) | 0.1777% | 6,001 |
| Pretax return on assets | 0.2711% | 5,875 |
| Return on Equity (ROE) | 1.5317% | 6,012 |
| Retained earnings to average equity (ytd only) | 1.5317% | 5,100 |
| Net charge-offs to loans | 1.0608% | 1,007 |
| Credit loss provision to net charge-offs | 82.6940% | 3,739 |
| Earnings coverage of net charge-offs (x) | 1.1427% | 4,889 |
| Efficiency ratio | 73.2232% | 3,203 |
| Assets per employee ($millions) | 3.7921% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 6,137 |
| Loan loss allowance to noncurrent loans | 13.5095% | 6,512 |
| Noncurrent assets plus other real estate owned to assets | 6.2095% | 542 |
| Noncurrent loans to loans | 7.0051% | 454 |
| Net loans and leases to total assets | 74.6872% | 1,096 |
| Net loans and leases to deposits | 95.5507% | 651 |
| Net loans and leases to core deposits | 95.5507% | 1,346 |
| Total domestic deposits to total assets | 78.1651% | 6,053 |
| Equity capital to assets | 11.8544% | 2,142 |
| Core capital (leverage) ratio | 11.8397% | 1,644 |
| Tier 1 risk-based capital ratio | 20.6411% | 1,536 |
| Total risk-based capital ratio | 21.8854% | 1,507 |
| Memoranda: | ||
| Average total assets | $130,575,200 | 4,139 |
| Average earning assets | $123,521,600 | 4,031 |
| Average equity | $15,146,600 | 3,930 |
| Average total loans | $105,678,600 | 3,380 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0181% | 1,652 |
| Cost of funding earning assets | 1.1674% | 806 |
| Net interest margin | 3.8507% | 3,116 |
| Noninterest income to average assets | 0.0519% | 6,791 |
| Noninterest expense to average assets | 2.6964% | 4,382 |
| Loan and lease loss provision to assets | 0.9171% | 477 |
| Net operating income to assets | 0.0529% | 6,205 |
| Return on assets (ROA) | 0.0529% | 6,341 |
| Pretax return on assets | 0.0814% | 6,295 |
| Return on Equity (ROE) | 0.4588% | 6,346 |
| Retained earnings to average equity (ytd only) | 0.4588% | 5,953 |
| Net charge-offs to loans | 0.9672% | 1,104 |
| Credit loss provision to net charge-offs | 115.2174% | 2,529 |
| Earnings coverage of net charge-offs (x) | 1.2545% | 4,657 |
| Efficiency ratio | 72.9752% | 3,146 |
| Assets per employee ($millions) | 3.7665% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 5,279 |
| Loan loss allowance to noncurrent loans | 16.4050% | 6,564 |
| Noncurrent assets plus other real estate owned to assets | 6.7827% | 539 |
| Noncurrent loans to loans | 7.3155% | 480 |
| Net loans and leases to total assets | 79.2654% | 569 |
| Net loans and leases to deposits | 101.6483% | 370 |
| Net loans and leases to core deposits | 102.0632% | 978 |
| Total domestic deposits to total assets | 77.9800% | 6,083 |
| Equity capital to assets | 11.8037% | 2,428 |
| Core capital (leverage) ratio | 11.7813% | 1,781 |
| Tier 1 risk-based capital ratio | 19.6066% | 1,851 |
| Total risk-based capital ratio | 20.8612% | 1,825 |
| Memoranda: | ||
| Average total assets | $130,986,250 | 4,160 |
| Average earning assets | $123,921,500 | 4,063 |
| Average equity | $15,112,250 | 3,974 |
| Average total loans | $107,794,500 | 3,371 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0618% | 1,626 |
| Cost of funding earning assets | 1.2294% | 715 |
| Net interest margin | 3.8324% | 3,210 |
| Noninterest income to average assets | 0.0879% | 6,724 |
| Noninterest expense to average assets | 2.7038% | 4,402 |
| Loan and lease loss provision to assets | 1.2579% | 321 |
| Net operating income to assets | -0.1622% | 6,503 |
| Return on assets (ROA) | -0.1622% | 6,589 |
| Pretax return on assets | -0.2455% | 6,610 |
| Return on Equity (ROE) | -1.4162% | 6,574 |
| Retained earnings to average equity (ytd only) | -1.4162% | 6,273 |
| Net charge-offs to loans | 1.3994% | 731 |
| Credit loss provision to net charge-offs | 108.3551% | 2,514 |
| Earnings coverage of net charge-offs (x) | 0.8721% | 4,614 |
| Efficiency ratio | 72.7569% | 3,286 |
| Assets per employee ($millions) | 3.8010% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 5,743 |
| Loan loss allowance to noncurrent loans | 15.4898% | 6,633 |
| Noncurrent assets plus other real estate owned to assets | 7.1196% | 547 |
| Noncurrent loans to loans | 7.1580% | 535 |
| Net loans and leases to total assets | 81.2998% | 382 |
| Net loans and leases to deposits | 104.0123% | 278 |
| Net loans and leases to core deposits | 104.4310% | 829 |
| Total domestic deposits to total assets | 78.1636% | 6,125 |
| Equity capital to assets | 11.5821% | 2,509 |
| Core capital (leverage) ratio | 11.5521% | 1,870 |
| Tier 1 risk-based capital ratio | 18.8480% | 2,010 |
| Total risk-based capital ratio | 20.1011% | 1,990 |
| Memoranda: | ||
| Average total assets | $131,961,330 | 4,161 |
| Average earning assets | $124,936,000 | 4,051 |
| Average equity | $15,111,000 | 3,965 |
| Average total loans | $109,479,000 | 3,350 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1029% | 1,564 |
| Cost of funding earning assets | 1.2978% | 639 |
| Net interest margin | 3.8050% | 3,374 |
| Noninterest income to average assets | -0.0060% | 7,116 |
| Noninterest expense to average assets | 2.6222% | 4,738 |
| Loan and lease loss provision to assets | 0.1680% | 3,294 |
| Net operating income to assets | 0.5400% | 4,652 |
| Return on assets (ROA) | 0.5400% | 4,863 |
| Pretax return on assets | 0.8191% | 4,345 |
| Return on Equity (ROE) | 4.7423% | 4,913 |
| Retained earnings to average equity (ytd only) | 4.7423% | 3,716 |
| Net charge-offs to loans | 0.2304% | 2,773 |
| Credit loss provision to net charge-offs | 87.5000% | 2,592 |
| Earnings coverage of net charge-offs (x) | 5.1406% | 2,434 |
| Efficiency ratio | 72.6517% | 3,319 |
| Assets per employee ($millions) | 3.9710% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 6,190 |
| Loan loss allowance to noncurrent loans | 12.1645% | 6,728 |
| Noncurrent assets plus other real estate owned to assets | 7.0689% | 599 |
| Noncurrent loans to loans | 8.3348% | 450 |
| Net loans and leases to total assets | 79.9762% | 404 |
| Net loans and leases to deposits | 107.5445% | 176 |
| Net loans and leases to core deposits | 108.2572% | 600 |
| Total domestic deposits to total assets | 74.3656% | 6,715 |
| Equity capital to assets | 11.3077% | 2,619 |
| Core capital (leverage) ratio | 11.2722% | 2,057 |
| Tier 1 risk-based capital ratio | 18.8672% | 2,028 |
| Total risk-based capital ratio | 20.1188% | 1,988 |
| Memoranda: | ||
| Average total assets | $133,325,000 | 4,160 |
| Average earning assets | $126,674,000 | 4,045 |
| Average equity | $15,182,500 | 3,956 |
| Average total loans | $111,096,000 | 3,323 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4333% | 1,334 |
| Cost of funding earning assets | 1.5850% | 505 |
| Net interest margin | 3.8483% | 3,577 |
| Noninterest income to average assets | -0.0268% | 7,040 |
| Noninterest expense to average assets | 2.4547% | 5,624 |
| Loan and lease loss provision to assets | 0.1605% | 4,622 |
| Net operating income to assets | 0.6681% | 3,642 |
| Return on assets (ROA) | 0.6681% | 3,830 |
| Pretax return on assets | 1.0137% | 3,192 |
| Return on Equity (ROE) | 5.8657% | 3,938 |
| Retained earnings to average equity (ytd only) | 0.3197% | 5,687 |
| Net charge-offs to loans | 0.0448% | 5,859 |
| Credit loss provision to net charge-offs | 415.3846% | 553 |
| Earnings coverage of net charge-offs (x) | 30.3846% | 835 |
| Efficiency ratio | 67.6428% | 4,435 |
| Assets per employee ($millions) | 3.8716% | 4,156 |
| Cash dividends to net income (ytd only)* | 94.5495% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9849% | 6,286 |
| Loan loss allowance to noncurrent loans | 12.1762% | 6,791 |
| Noncurrent assets plus other real estate owned to assets | 7.3133% | 613 |
| Noncurrent loans to loans | 8.0888% | 496 |
| Net loans and leases to total assets | 85.0778% | 162 |
| Net loans and leases to deposits | 115.4698% | 109 |
| Net loans and leases to core deposits | 116.2561% | 442 |
| Total domestic deposits to total assets | 73.6797% | 6,753 |
| Equity capital to assets | 11.4695% | 2,530 |
| Core capital (leverage) ratio | 11.4262% | 1,947 |
| Tier 1 risk-based capital ratio | 17.8544% | 2,248 |
| Total risk-based capital ratio | 19.1045% | 2,219 |
| Memoranda: | ||
| Average total assets | $134,559,800 | 4,084 |
| Average earning assets | $127,822,800 | 3,976 |
| Average equity | $15,326,400 | 3,847 |
| Average total loans | $116,031,400 | 3,254 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4543% | 1,380 |
| Cost of funding earning assets | 1.6320% | 512 |
| Net interest margin | 3.8223% | 3,755 |
| Noninterest income to average assets | -0.0453% | 7,155 |
| Noninterest expense to average assets | 2.4372% | 5,669 |
| Loan and lease loss provision to assets | 0.1596% | 4,467 |
| Net operating income to assets | 0.6514% | 3,868 |
| Return on assets (ROA) | 0.6514% | 4,037 |
| Pretax return on assets | 0.9885% | 3,443 |
| Return on Equity (ROE) | 5.7289% | 4,153 |
| Retained earnings to average equity (ytd only) | 5.7289% | 2,722 |
| Net charge-offs to loans | 0.5196% | 2,675 |
| Credit loss provision to net charge-offs | 35.6044% | 5,330 |
| Earnings coverage of net charge-offs (x) | 2.5604% | 3,837 |
| Efficiency ratio | 67.9769% | 4,318 |
| Assets per employee ($millions) | 3.9814% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5768% | 7,110 |
| Loan loss allowance to noncurrent loans | 7.8730% | 6,916 |
| Noncurrent assets plus other real estate owned to assets | 6.5273% | 791 |
| Noncurrent loans to loans | 7.3261% | 653 |
| Net loans and leases to total assets | 83.6610% | 241 |
| Net loans and leases to deposits | 119.5665% | 88 |
| Net loans and leases to core deposits | 120.3953% | 378 |
| Total domestic deposits to total assets | 69.9702% | 7,042 |
| Equity capital to assets | 11.6134% | 2,573 |
| Core capital (leverage) ratio | 11.5640% | 1,978 |
| Tier 1 risk-based capital ratio | 18.3970% | 2,120 |
| Total risk-based capital ratio | 19.1700% | 2,244 |
| Memoranda: | ||
| Average total assets | $135,290,750 | 4,092 |
| Average earning assets | $128,507,500 | 3,980 |
| Average equity | $15,383,500 | 3,844 |
| Average total loans | $116,762,500 | 3,270 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5407% | 1,208 |
| Cost of funding earning assets | 1.6471% | 574 |
| Net interest margin | 3.8936% | 3,345 |
| Noninterest income to average assets | -0.0414% | 7,250 |
| Noninterest expense to average assets | 2.4352% | 5,740 |
| Loan and lease loss provision to assets | 0.2188% | 3,731 |
| Net operating income to assets | 0.6609% | 3,738 |
| Return on assets (ROA) | 0.6609% | 3,862 |
| Pretax return on assets | 1.0025% | 3,230 |
| Return on Equity (ROE) | 5.8542% | 4,037 |
| Retained earnings to average equity (ytd only) | 5.8542% | 2,517 |
| Net charge-offs to loans | 0.6575% | 2,202 |
| Credit loss provision to net charge-offs | 38.2429% | 4,847 |
| Earnings coverage of net charge-offs (x) | 2.1344% | 3,775 |
| Efficiency ratio | 66.5993% | 4,760 |
| Assets per employee ($millions) | 4.0065% | 3,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6140% | 7,124 |
| Loan loss allowance to noncurrent loans | 9.9986% | 6,947 |
| Noncurrent assets plus other real estate owned to assets | 5.6224% | 1,037 |
| Noncurrent loans to loans | 6.1411% | 953 |
| Net loans and leases to total assets | 84.4812% | 217 |
| Net loans and leases to deposits | 120.2391% | 87 |
| Net loans and leases to core deposits | 120.7437% | 401 |
| Total domestic deposits to total assets | 70.2610% | 7,093 |
| Equity capital to assets | 11.3844% | 2,616 |
| Core capital (leverage) ratio | 11.3345% | 2,026 |
| Tier 1 risk-based capital ratio | 18.0835% | 2,147 |
| Total risk-based capital ratio | 18.9172% | 2,247 |
| Memoranda: | ||
| Average total assets | $135,264,670 | 4,122 |
| Average earning assets | $128,468,000 | 4,024 |
| Average equity | $15,271,000 | 3,857 |
| Average total loans | $117,714,000 | 3,273 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6052% | 1,040 |
| Cost of funding earning assets | 1.6925% | 574 |
| Net interest margin | 3.9127% | 3,077 |
| Noninterest income to average assets | -0.0534% | 7,359 |
| Noninterest expense to average assets | 2.4810% | 5,622 |
| Loan and lease loss provision to assets | 0.4541% | 1,939 |
| Net operating income to assets | 0.4808% | 4,572 |
| Return on assets (ROA) | 0.4808% | 4,650 |
| Pretax return on assets | 0.7300% | 4,188 |
| Return on Equity (ROE) | 4.2765% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.2765% | 3,602 |
| Net charge-offs to loans | 0.3101% | 2,805 |
| Credit loss provision to net charge-offs | 166.3043% | 1,749 |
| Earnings coverage of net charge-offs (x) | 4.3370% | 2,505 |
| Efficiency ratio | 67.6923% | 4,711 |
| Assets per employee ($millions) | 3.9421% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8604% | 6,802 |
| Loan loss allowance to noncurrent loans | 15.5347% | 6,905 |
| Noncurrent assets plus other real estate owned to assets | 5.2704% | 1,175 |
| Noncurrent loans to loans | 5.5387% | 1,177 |
| Net loans and leases to total assets | 86.9120% | 102 |
| Net loans and leases to deposits | 124.4807% | 74 |
| Net loans and leases to core deposits | 126.5772% | 309 |
| Total domestic deposits to total assets | 69.8197% | 7,190 |
| Equity capital to assets | 11.3616% | 2,370 |
| Core capital (leverage) ratio | 11.3078% | 1,951 |
| Tier 1 risk-based capital ratio | 17.4482% | 2,314 |
| Total risk-based capital ratio | 18.6136% | 2,325 |
| Memoranda: | ||
| Average total assets | $134,786,000 | 4,158 |
| Average earning assets | $128,095,500 | 4,063 |
| Average equity | $15,152,500 | 3,873 |
| Average total loans | $118,674,500 | 3,282 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7395% | 1,438 |
| Cost of funding earning assets | 2.1383% | 375 |
| Net interest margin | 3.6012% | 4,820 |
| Noninterest income to average assets | 0.0531% | 7,088 |
| Noninterest expense to average assets | 2.3709% | 6,165 |
| Loan and lease loss provision to assets | 0.4469% | 3,447 |
| Net operating income to assets | 0.4317% | 4,403 |
| Return on assets (ROA) | 0.4317% | 4,550 |
| Pretax return on assets | 0.6580% | 4,136 |
| Return on Equity (ROE) | 3.9197% | 4,561 |
| Retained earnings to average equity (ytd only) | 0.9452% | 5,082 |
| Net charge-offs to loans | 0.4517% | 3,809 |
| Credit loss provision to net charge-offs | 111.8397% | 3,915 |
| Earnings coverage of net charge-offs (x) | 2.7650% | 3,689 |
| Efficiency ratio | 68.2094% | 4,521 |
| Assets per employee ($millions) | 3.9865% | 3,814 |
| Cash dividends to net income (ytd only)* | 75.8853% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7927% | 6,982 |
| Loan loss allowance to noncurrent loans | 14.1075% | 7,015 |
| Noncurrent assets plus other real estate owned to assets | 5.4264% | 1,141 |
| Noncurrent loans to loans | 5.6187% | 1,159 |
| Net loans and leases to total assets | 87.7218% | 107 |
| Net loans and leases to deposits | 125.3905% | 92 |
| Net loans and leases to core deposits | 129.4435% | 338 |
| Total domestic deposits to total assets | 69.9589% | 7,236 |
| Equity capital to assets | 11.1236% | 2,576 |
| Core capital (leverage) ratio | 11.0634% | 2,113 |
| Tier 1 risk-based capital ratio | 16.9322% | 2,369 |
| Total risk-based capital ratio | 18.0064% | 2,407 |
| Memoranda: | ||
| Average total assets | $137,375,600 | 4,109 |
| Average earning assets | $130,568,000 | 4,005 |
| Average equity | $15,128,600 | 3,921 |
| Average total loans | $121,543,000 | 3,289 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7617% | 1,507 |
| Cost of funding earning assets | 2.2302% | 350 |
| Net interest margin | 3.5315% | 5,176 |
| Noninterest income to average assets | 0.0455% | 7,294 |
| Noninterest expense to average assets | 2.3680% | 6,123 |
| Loan and lease loss provision to assets | 0.4566% | 3,192 |
| Net operating income to assets | 0.3782% | 4,851 |
| Return on assets (ROA) | 0.3782% | 5,035 |
| Pretax return on assets | 0.5785% | 4,668 |
| Return on Equity (ROE) | 3.4430% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.4430% | 4,029 |
| Net charge-offs to loans | 0.4941% | 3,300 |
| Credit loss provision to net charge-offs | 104.4248% | 4,108 |
| Earnings coverage of net charge-offs (x) | 2.3673% | 3,993 |
| Efficiency ratio | 69.5850% | 4,158 |
| Assets per employee ($millions) | 3.9586% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7460% | 7,118 |
| Loan loss allowance to noncurrent loans | 15.2050% | 7,071 |
| Noncurrent assets plus other real estate owned to assets | 4.7313% | 1,397 |
| Noncurrent loans to loans | 4.9064% | 1,429 |
| Net loans and leases to total assets | 89.4601% | 69 |
| Net loans and leases to deposits | 129.0896% | 70 |
| Net loans and leases to core deposits | 133.3071% | 332 |
| Total domestic deposits to total assets | 69.3008% | 7,312 |
| Equity capital to assets | 11.3951% | 2,607 |
| Core capital (leverage) ratio | 11.3274% | 2,049 |
| Tier 1 risk-based capital ratio | 17.3747% | 2,214 |
| Total risk-based capital ratio | 18.4076% | 2,249 |
| Memoranda: | ||
| Average total assets | $137,834,250 | 4,151 |
| Average earning assets | $131,045,500 | 4,045 |
| Average equity | $15,141,500 | 3,963 |
| Average total loans | $121,966,500 | 3,327 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7330% | 1,631 |
| Cost of funding earning assets | 2.2744% | 366 |
| Net interest margin | 3.4586% | 5,410 |
| Noninterest income to average assets | 0.0374% | 7,397 |
| Noninterest expense to average assets | 2.3410% | 6,242 |
| Loan and lease loss provision to assets | 0.2764% | 4,184 |
| Net operating income to assets | 0.4622% | 4,496 |
| Return on assets (ROA) | 0.4622% | 4,653 |
| Pretax return on assets | 0.7083% | 4,203 |
| Return on Equity (ROE) | 4.2583% | 4,661 |
| Retained earnings to average equity (ytd only) | 4.2583% | 3,367 |
| Net charge-offs to loans | 0.1702% | 4,595 |
| Credit loss provision to net charge-offs | 184.6154% | 2,134 |
| Earnings coverage of net charge-offs (x) | 6.5769% | 2,439 |
| Efficiency ratio | 70.3896% | 4,113 |
| Assets per employee ($millions) | 4.0257% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7986% | 7,037 |
| Loan loss allowance to noncurrent loans | 15.6381% | 7,123 |
| Noncurrent assets plus other real estate owned to assets | 4.4620% | 1,494 |
| Noncurrent loans to loans | 5.1067% | 1,344 |
| Net loans and leases to total assets | 85.7821% | 242 |
| Net loans and leases to deposits | 130.7787% | 72 |
| Net loans and leases to core deposits | 135.0665% | 344 |
| Total domestic deposits to total assets | 65.5933% | 7,543 |
| Equity capital to assets | 10.8361% | 3,044 |
| Core capital (leverage) ratio | 10.7701% | 2,419 |
| Tier 1 risk-based capital ratio | 17.0569% | 2,258 |
| Total risk-based capital ratio | 18.1521% | 2,276 |
| Memoranda: | ||
| Average total assets | $138,914,670 | 4,160 |
| Average earning assets | $132,077,670 | 4,056 |
| Average equity | $15,076,330 | 3,984 |
| Average total loans | $122,184,670 | 3,359 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8527% | 1,318 |
| Cost of funding earning assets | 2.3105% | 421 |
| Net interest margin | 3.5422% | 4,985 |
| Noninterest income to average assets | 0.0928% | 7,245 |
| Noninterest expense to average assets | 2.3666% | 6,198 |
| Loan and lease loss provision to assets | 0.2581% | 3,971 |
| Net operating income to assets | 0.5423% | 4,170 |
| Return on assets (ROA) | 0.5423% | 4,308 |
| Pretax return on assets | 0.8295% | 3,744 |
| Return on Equity (ROE) | 4.9932% | 4,366 |
| Retained earnings to average equity (ytd only) | 4.9932% | 3,157 |
| Net charge-offs to loans | 0.3269% | 3,102 |
| Credit loss provision to net charge-offs | 89.0000% | 3,681 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 2,800 |
| Efficiency ratio | 68.5139% | 4,624 |
| Assets per employee ($millions) | 4.1942% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7171% | 7,305 |
| Loan loss allowance to noncurrent loans | 18.1932% | 7,098 |
| Noncurrent assets plus other real estate owned to assets | 3.7548% | 1,855 |
| Noncurrent loans to loans | 3.9414% | 2,005 |
| Net loans and leases to total assets | 87.4308% | 150 |
| Net loans and leases to deposits | 134.8019% | 64 |
| Net loans and leases to core deposits | 139.3292% | 335 |
| Total domestic deposits to total assets | 64.8588% | 7,650 |
| Equity capital to assets | 10.9038% | 2,842 |
| Core capital (leverage) ratio | 10.8514% | 2,332 |
| Tier 1 risk-based capital ratio | 16.9260% | 2,286 |
| Total risk-based capital ratio | 17.9121% | 2,341 |
| Memoranda: | ||
| Average total assets | $137,922,000 | 4,231 |
| Average earning assets | $130,879,000 | 4,135 |
| Average equity | $14,980,500 | 4,020 |
| Average total loans | $122,357,000 | 3,423 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1853% | 1,272 |
| Cost of funding earning assets | 2.6289% | 713 |
| Net interest margin | 3.5564% | 4,715 |
| Noninterest income to average assets | 0.0814% | 7,347 |
| Noninterest expense to average assets | 2.4247% | 6,394 |
| Loan and lease loss provision to assets | 0.3137% | 4,936 |
| Net operating income to assets | 0.4886% | 3,775 |
| Return on assets (ROA) | 0.4926% | 3,857 |
| Pretax return on assets | 0.7300% | 3,471 |
| Return on Equity (ROE) | 4.6392% | 3,826 |
| Retained earnings to average equity (ytd only) | 4.6392% | 2,010 |
| Net charge-offs to loans | 0.1794% | 5,520 |
| Credit loss provision to net charge-offs | 191.9283% | 2,074 |
| Earnings coverage of net charge-offs (x) | 6.3498% | 2,383 |
| Efficiency ratio | 70.0254% | 4,623 |
| Assets per employee ($millions) | 4.0422% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7205% | 7,331 |
| Loan loss allowance to noncurrent loans | 19.0692% | 7,102 |
| Noncurrent assets plus other real estate owned to assets | 3.6818% | 1,812 |
| Noncurrent loans to loans | 3.7785% | 1,985 |
| Net loans and leases to total assets | 88.7277% | 138 |
| Net loans and leases to deposits | 137.5793% | 67 |
| Net loans and leases to core deposits | 154.3960% | 421 |
| Total domestic deposits to total assets | 64.4920% | 7,690 |
| Equity capital to assets | 10.8190% | 2,851 |
| Core capital (leverage) ratio | 10.7745% | 2,366 |
| Tier 1 risk-based capital ratio | 16.5629% | 2,289 |
| Total risk-based capital ratio | 17.5539% | 2,338 |
| Memoranda: | ||
| Average total assets | $136,429,800 | 4,202 |
| Average earning assets | $129,711,200 | 4,093 |
| Average equity | $14,485,400 | 4,151 |
| Average total loans | $124,268,800 | 3,399 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2103% | 1,350 |
| Cost of funding earning assets | 2.6889% | 810 |
| Net interest margin | 3.5214% | 4,778 |
| Noninterest income to average assets | 0.0852% | 7,469 |
| Noninterest expense to average assets | 2.4663% | 6,193 |
| Loan and lease loss provision to assets | 0.3182% | 4,438 |
| Net operating income to assets | 0.4450% | 4,216 |
| Return on assets (ROA) | 0.4504% | 4,297 |
| Pretax return on assets | 0.6589% | 3,990 |
| Return on Equity (ROE) | 4.2623% | 4,266 |
| Retained earnings to average equity (ytd only) | 4.2623% | 2,892 |
| Net charge-offs to loans | 0.1615% | 5,099 |
| Credit loss provision to net charge-offs | 215.2318% | 2,036 |
| Earnings coverage of net charge-offs (x) | 6.5563% | 2,582 |
| Efficiency ratio | 71.7868% | 4,284 |
| Assets per employee ($millions) | 4.1079% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6908% | 7,395 |
| Loan loss allowance to noncurrent loans | 22.0615% | 6,977 |
| Noncurrent assets plus other real estate owned to assets | 3.0776% | 2,232 |
| Noncurrent loans to loans | 3.1313% | 2,413 |
| Net loans and leases to total assets | 90.5615% | 93 |
| Net loans and leases to deposits | 141.8763% | 75 |
| Net loans and leases to core deposits | 161.3466% | 363 |
| Total domestic deposits to total assets | 63.8313% | 7,772 |
| Equity capital to assets | 10.8128% | 3,200 |
| Core capital (leverage) ratio | 10.7565% | 2,601 |
| Tier 1 risk-based capital ratio | 16.5297% | 2,415 |
| Total risk-based capital ratio | 17.4990% | 2,478 |
| Memoranda: | ||
| Average total assets | $136,178,750 | 4,230 |
| Average earning assets | $129,566,500 | 4,112 |
| Average equity | $14,389,500 | 4,212 |
| Average total loans | $124,629,250 | 3,413 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2146% | 1,410 |
| Cost of funding earning assets | 2.7634% | 868 |
| Net interest margin | 3.4512% | 4,980 |
| Noninterest income to average assets | 0.0763% | 7,602 |
| Noninterest expense to average assets | 2.4974% | 6,136 |
| Loan and lease loss provision to assets | 0.1789% | 5,254 |
| Net operating income to assets | 0.4742% | 4,200 |
| Return on assets (ROA) | 0.4825% | 4,274 |
| Pretax return on assets | 0.6936% | 4,023 |
| Return on Equity (ROE) | 4.6014% | 4,254 |
| Retained earnings to average equity (ytd only) | 4.6014% | 2,731 |
| Net charge-offs to loans | 0.1504% | 4,685 |
| Credit loss provision to net charge-offs | 129.7872% | 3,582 |
| Earnings coverage of net charge-offs (x) | 6.2447% | 2,658 |
| Efficiency ratio | 74.3668% | 3,980 |
| Assets per employee ($millions) | 4.1076% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5677% | 7,696 |
| Loan loss allowance to noncurrent loans | 20.6776% | 7,084 |
| Noncurrent assets plus other real estate owned to assets | 2.7067% | 2,370 |
| Noncurrent loans to loans | 2.7454% | 2,624 |
| Net loans and leases to total assets | 91.4859% | 71 |
| Net loans and leases to deposits | 143.6248% | 75 |
| Net loans and leases to core deposits | 163.2097% | 398 |
| Total domestic deposits to total assets | 63.6978% | 7,844 |
| Equity capital to assets | 10.6816% | 3,221 |
| Core capital (leverage) ratio | 10.6445% | 2,704 |
| Tier 1 risk-based capital ratio | 16.1830% | 2,555 |
| Total risk-based capital ratio | 16.9778% | 2,655 |
| Memoranda: | ||
| Average total assets | $136,384,330 | 4,252 |
| Average earning assets | $129,694,330 | 4,141 |
| Average equity | $14,300,000 | 4,241 |
| Average total loans | $124,965,330 | 3,440 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1741% | 1,675 |
| Cost of funding earning assets | 2.8075% | 962 |
| Net interest margin | 3.3666% | 5,263 |
| Noninterest income to average assets | 0.0322% | 7,918 |
| Noninterest expense to average assets | 2.3772% | 6,268 |
| Loan and lease loss provision to assets | 0.2193% | 4,262 |
| Net operating income to assets | 0.4202% | 4,777 |
| Return on assets (ROA) | 0.4357% | 4,891 |
| Pretax return on assets | 0.6637% | 4,545 |
| Return on Equity (ROE) | 4.1941% | 4,849 |
| Retained earnings to average equity (ytd only) | 4.1941% | 3,579 |
| Net charge-offs to loans | 0.1471% | 3,790 |
| Credit loss provision to net charge-offs | 163.0435% | 2,606 |
| Earnings coverage of net charge-offs (x) | 6.3913% | 2,505 |
| Efficiency ratio | 73.4417% | 3,927 |
| Assets per employee ($millions) | 4.1697% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5658% | 7,726 |
| Loan loss allowance to noncurrent loans | 19.3866% | 7,201 |
| Noncurrent assets plus other real estate owned to assets | 2.8067% | 2,027 |
| Noncurrent loans to loans | 2.9184% | 2,239 |
| Net loans and leases to total assets | 90.4266% | 121 |
| Net loans and leases to deposits | 145.9349% | 73 |
| Net loans and leases to core deposits | 164.2124% | 433 |
| Total domestic deposits to total assets | 61.9637% | 7,915 |
| Equity capital to assets | 10.3866% | 3,572 |
| Core capital (leverage) ratio | 10.3407% | 3,077 |
| Tier 1 risk-based capital ratio | 15.8698% | 2,735 |
| Total risk-based capital ratio | 16.6602% | 2,821 |
| Memoranda: | ||
| Average total assets | $136,801,000 | 4,256 |
| Average earning assets | $130,221,500 | 4,149 |
| Average equity | $14,210,500 | 4,291 |
| Average total loans | $125,089,000 | 3,458 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6494% | 2,251 |
| Cost of funding earning assets | 3.1634% | 1,302 |
| Net interest margin | 3.4860% | 5,345 |
| Noninterest income to average assets | 0.1073% | 7,597 |
| Noninterest expense to average assets | 2.4585% | 6,176 |
| Loan and lease loss provision to assets | 0.1367% | 5,609 |
| Net operating income to assets | 0.5393% | 4,579 |
| Return on assets (ROA) | 0.5393% | 4,426 |
| Pretax return on assets | 0.8317% | 3,954 |
| Return on Equity (ROE) | 5.1675% | 4,301 |
| Retained earnings to average equity (ytd only) | -1.3095% | 5,683 |
| Net charge-offs to loans | 0.0872% | 5,496 |
| Credit loss provision to net charge-offs | 173.8318% | 2,933 |
| Earnings coverage of net charge-offs (x) | 12.3178% | 2,260 |
| Efficiency ratio | 71.7410% | 3,986 |
| Assets per employee ($millions) | 3.7778% | 4,009 |
| Cash dividends to net income (ytd only)* | 125.3406% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5438% | 7,776 |
| Loan loss allowance to noncurrent loans | 23.2320% | 7,093 |
| Noncurrent assets plus other real estate owned to assets | 2.4169% | 2,008 |
| Noncurrent loans to loans | 2.3408% | 2,358 |
| Net loans and leases to total assets | 91.4420% | 106 |
| Net loans and leases to deposits | 149.1163% | 80 |
| Net loans and leases to core deposits | 166.3118% | 471 |
| Total domestic deposits to total assets | 61.3226% | 7,914 |
| Equity capital to assets | 10.3888% | 3,627 |
| Core capital (leverage) ratio | 10.3355% | 3,134 |
| Tier 1 risk-based capital ratio | 15.8003% | 2,740 |
| Total risk-based capital ratio | 16.5654% | 2,849 |
| Memoranda: | ||
| Average total assets | $136,101,800 | 4,160 |
| Average earning assets | $129,605,400 | 4,046 |
| Average equity | $14,204,200 | 4,292 |
| Average total loans | $122,730,400 | 3,405 |