Home > Peoples First Savings Bank > Performance and Condition Ratios
Peoples First Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1558% | 986 |
| Cost of funding earning assets | 2.7164% | 582 |
| Net interest margin | 3.4394% | 2,468 |
| Noninterest income to average assets | 0.3500% | 2,536 |
| Noninterest expense to average assets | 2.7841% | 1,553 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 0.6392% | 3,262 |
| Return on assets (ROA) | 0.6392% | 3,285 |
| Pretax return on assets | 0.7933% | 3,205 |
| Return on Equity (ROE) | 6.9700% | 3,131 |
| Retained earnings to average equity (ytd only) | 6.9689% | 2,002 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 77.5751% | 1,129 |
| Assets per employee ($millions) | 7.3503% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6681% | 4,079 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 88.4200% | 63 |
| Net loans and leases to deposits | 108.4533% | 183 |
| Net loans and leases to core deposits | 135.6855% | 257 |
| Total domestic deposits to total assets | 81.5300% | 3,394 |
| Equity capital to assets | 9.3398% | 2,691 |
| Core capital (leverage) ratio | 9.1037% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6707% | 1,632 |
| Memoranda: | ||
| Average total assets | $103,874,000 | 3,749 |
| Average earning assets | $97,924,500 | 3,721 |
| Average equity | $9,528,000 | 3,826 |
| Average total loans | $92,215,500 | 3,293 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9988% | 1,290 |
| Cost of funding earning assets | 2.8619% | 624 |
| Net interest margin | 3.1369% | 2,857 |
| Noninterest income to average assets | 0.3300% | 2,878 |
| Noninterest expense to average assets | 2.8980% | 1,321 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.2987% | 3,851 |
| Return on assets (ROA) | 0.2987% | 3,874 |
| Pretax return on assets | 0.3739% | 3,836 |
| Return on Equity (ROE) | 3.2500% | 3,818 |
| Retained earnings to average equity (ytd only) | 3.2470% | 2,939 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 88.2530% | 579 |
| Assets per employee ($millions) | 8.0649% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6560% | 4,117 |
| Loan loss allowance to noncurrent loans | 150.7426% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 1,765 |
| Noncurrent loans to loans | 0.4352% | 1,978 |
| Net loans and leases to total assets | 87.9600% | 79 |
| Net loans and leases to deposits | 110.2976% | 176 |
| Net loans and leases to core deposits | 141.3017% | 235 |
| Total domestic deposits to total assets | 79.7500% | 3,589 |
| Equity capital to assets | 9.0086% | 2,801 |
| Core capital (leverage) ratio | 9.0742% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2285% | 1,780 |
| Memoranda: | ||
| Average total assets | $101,105,200 | 3,768 |
| Average earning assets | $95,285,000 | 3,732 |
| Average equity | $9,300,800 | 3,830 |
| Average total loans | $91,724,400 | 3,284 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9722% | 1,289 |
| Cost of funding earning assets | 2.8576% | 639 |
| Net interest margin | 3.1147% | 2,862 |
| Noninterest income to average assets | 0.3500% | 2,719 |
| Noninterest expense to average assets | 2.8644% | 1,345 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.3341% | 3,804 |
| Return on assets (ROA) | 0.3341% | 3,835 |
| Pretax return on assets | 0.4100% | 3,796 |
| Return on Equity (ROE) | 3.6100% | 3,793 |
| Retained earnings to average equity (ytd only) | 3.6122% | 2,976 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 87.1608% | 657 |
| Assets per employee ($millions) | 6.8379% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6551% | 4,148 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 89.6000% | 33 |
| Net loans and leases to deposits | 112.0098% | 153 |
| Net loans and leases to core deposits | 142.2927% | 231 |
| Total domestic deposits to total assets | 79.9900% | 3,461 |
| Equity capital to assets | 9.1587% | 2,917 |
| Core capital (leverage) ratio | 9.2914% | 3,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3746% | 1,756 |
| Memoranda: | ||
| Average total assets | $100,170,500 | 3,787 |
| Average earning assets | $94,390,250 | 3,760 |
| Average equity | $9,264,750 | 3,849 |
| Average total loans | $91,447,750 | 3,297 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8958% | 1,313 |
| Cost of funding earning assets | 2.8272% | 624 |
| Net interest margin | 3.0686% | 2,915 |
| Noninterest income to average assets | 0.3700% | 2,567 |
| Noninterest expense to average assets | 2.8439% | 1,376 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.3261% | 3,779 |
| Return on assets (ROA) | 0.3261% | 3,824 |
| Pretax return on assets | 0.4005% | 3,800 |
| Return on Equity (ROE) | 3.5100% | 3,809 |
| Retained earnings to average equity (ytd only) | 3.5135% | 2,886 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 87.3300% | 691 |
| Assets per employee ($millions) | 6.7024% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6602% | 4,166 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 90.2500% | 31 |
| Net loans and leases to deposits | 114.9346% | 140 |
| Net loans and leases to core deposits | 142.6209% | 231 |
| Total domestic deposits to total assets | 78.5200% | 3,648 |
| Equity capital to assets | 9.2554% | 2,568 |
| Core capital (leverage) ratio | 9.3065% | 3,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4417% | 1,723 |
| Memoranda: | ||
| Average total assets | $99,371,000 | 3,810 |
| Average earning assets | $93,592,333 | 3,782 |
| Average equity | $9,221,667 | 3,830 |
| Average total loans | $91,093,667 | 3,307 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8334% | 1,277 |
| Cost of funding earning assets | 2.8093% | 594 |
| Net interest margin | 3.0241% | 2,939 |
| Noninterest income to average assets | 0.4000% | 2,294 |
| Noninterest expense to average assets | 2.8748% | 1,296 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.2996% | 3,824 |
| Return on assets (ROA) | 0.2996% | 3,854 |
| Pretax return on assets | 0.3685% | 3,820 |
| Return on Equity (ROE) | 3.2200% | 3,811 |
| Retained earnings to average equity (ytd only) | 3.2244% | 2,918 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 88.3085% | 665 |
| Assets per employee ($millions) | 6.5952% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6648% | 4,161 |
| Loan loss allowance to noncurrent loans | 1,250.0000% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 3,346 |
| Noncurrent loans to loans | 0.0532% | 3,375 |
| Net loans and leases to total assets | 90.6200% | 27 |
| Net loans and leases to deposits | 115.8386% | 116 |
| Net loans and leases to core deposits | 143.4439% | 249 |
| Total domestic deposits to total assets | 78.2300% | 3,765 |
| Equity capital to assets | 9.3169% | 2,454 |
| Core capital (leverage) ratio | 9.3672% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6584% | 1,652 |
| Memoranda: | ||
| Average total assets | $98,788,500 | 3,835 |
| Average earning assets | $93,119,000 | 3,808 |
| Average equity | $9,180,000 | 3,855 |
| Average total loans | $90,972,000 | 3,308 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5671% | 1,080 |
| Cost of funding earning assets | 2.1912% | 649 |
| Net interest margin | 3.3759% | 2,456 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 3.0273% | 1,089 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.3826% | 3,906 |
| Return on assets (ROA) | 0.3826% | 3,898 |
| Pretax return on assets | 0.4775% | 3,853 |
| Return on Equity (ROE) | 4.0400% | 3,879 |
| Retained earnings to average equity (ytd only) | 4.0438% | 2,945 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.0653% | 557 |
| Assets per employee ($millions) | 6.5766% | 2,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6511% | 4,186 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 92.3400% | 14 |
| Net loans and leases to deposits | 118.4034% | 95 |
| Net loans and leases to core deposits | 145.1613% | 233 |
| Total domestic deposits to total assets | 77.9900% | 3,728 |
| Equity capital to assets | 9.2682% | 2,501 |
| Core capital (leverage) ratio | 9.2710% | 3,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3836% | 1,726 |
| Memoranda: | ||
| Average total assets | $94,870,200 | 3,873 |
| Average earning assets | $89,310,000 | 3,842 |
| Average equity | $8,976,800 | 3,823 |
| Average total loans | $86,370,800 | 3,342 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4305% | 1,095 |
| Cost of funding earning assets | 2.0168% | 687 |
| Net interest margin | 3.4137% | 2,421 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 3.0179% | 1,049 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.4102% | 3,950 |
| Return on assets (ROA) | 0.4102% | 3,940 |
| Pretax return on assets | 0.5181% | 3,876 |
| Return on Equity (ROE) | 4.3100% | 3,935 |
| Retained earnings to average equity (ytd only) | 4.3124% | 3,179 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.0400% | 560 |
| Assets per employee ($millions) | 6.6297% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6568% | 4,196 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 90.3500% | 36 |
| Net loans and leases to deposits | 115.3596% | 113 |
| Net loans and leases to core deposits | 143.6802% | 183 |
| Total domestic deposits to total assets | 78.3200% | 3,780 |
| Equity capital to assets | 9.1195% | 2,349 |
| Core capital (leverage) ratio | 9.2195% | 3,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3100% | 1,787 |
| Memoranda: | ||
| Average total assets | $93,925,500 | 3,895 |
| Average earning assets | $88,387,500 | 3,864 |
| Average equity | $8,935,250 | 3,829 |
| Average total loans | $85,040,250 | 3,359 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2809% | 1,106 |
| Cost of funding earning assets | 1.7788% | 768 |
| Net interest margin | 3.5021% | 2,262 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 3.0450% | 970 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.4474% | 3,916 |
| Return on assets (ROA) | 0.4474% | 3,924 |
| Pretax return on assets | 0.5625% | 3,865 |
| Return on Equity (ROE) | 4.6300% | 3,938 |
| Retained earnings to average equity (ytd only) | 4.6341% | 3,048 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.1032% | 587 |
| Assets per employee ($millions) | 6.4721% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6811% | 4,211 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 88.7700% | 64 |
| Net loans and leases to deposits | 114.2359% | 147 |
| Net loans and leases to core deposits | 137.8796% | 237 |
| Total domestic deposits to total assets | 77.7100% | 3,880 |
| Equity capital to assets | 9.2561% | 2,343 |
| Core capital (leverage) ratio | 9.7977% | 2,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4345% | 1,745 |
| Memoranda: | ||
| Average total assets | $92,085,333 | 3,922 |
| Average earning assets | $86,575,667 | 3,891 |
| Average equity | $8,890,667 | 3,860 |
| Average total loans | $83,239,333 | 3,376 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3155% | 814 |
| Cost of funding earning assets | 1.6355% | 653 |
| Net interest margin | 3.6800% | 1,944 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 3.1076% | 923 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.5626% | 3,766 |
| Return on assets (ROA) | 0.5626% | 3,734 |
| Pretax return on assets | 0.7055% | 3,648 |
| Return on Equity (ROE) | 5.7000% | 3,775 |
| Retained earnings to average equity (ytd only) | 5.6994% | 2,850 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.2135% | 753 |
| Assets per employee ($millions) | 6.0851% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7098% | 4,235 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 90.1100% | 32 |
| Net loans and leases to deposits | 112.5250% | 145 |
| Net loans and leases to core deposits | 134.6446% | 234 |
| Total domestic deposits to total assets | 80.0800% | 3,753 |
| Equity capital to assets | 9.7572% | 1,956 |
| Core capital (leverage) ratio | 9.8756% | 2,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0343% | 1,616 |
| Memoranda: | ||
| Average total assets | $89,587,000 | 3,999 |
| Average earning assets | $84,131,000 | 3,969 |
| Average equity | $8,843,000 | 3,910 |
| Average total loans | $81,472,000 | 3,432 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 792 |
| Cost of funding earning assets | 0.7435% | 485 |
| Net interest margin | 3.7106% | 1,355 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 3.4875% | 498 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.2680% | 4,399 |
| Return on assets (ROA) | 0.2680% | 4,377 |
| Pretax return on assets | 0.3314% | 4,354 |
| Return on Equity (ROE) | 2.3900% | 4,348 |
| Retained earnings to average equity (ytd only) | 2.3945% | 3,888 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 90.9521% | 278 |
| Assets per employee ($millions) | 6.2784% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7303% | 4,167 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 90.4700% | 29 |
| Net loans and leases to deposits | 115.5507% | 101 |
| Net loans and leases to core deposits | 135.8445% | 173 |
| Total domestic deposits to total assets | 78.3000% | 4,063 |
| Equity capital to assets | 9.9889% | 1,709 |
| Core capital (leverage) ratio | 10.4250% | 2,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2056% | 1,564 |
| Memoranda: | ||
| Average total assets | $77,248,400 | 4,158 |
| Average earning assets | $71,955,400 | 4,132 |
| Average equity | $8,644,800 | 4,030 |
| Average total loans | $68,025,200 | 3,607 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3213% | 699 |
| Cost of funding earning assets | 0.5846% | 470 |
| Net interest margin | 3.7367% | 1,060 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 3.6056% | 444 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.1966% | 4,478 |
| Return on assets (ROA) | 0.1966% | 4,447 |
| Pretax return on assets | 0.2485% | 4,423 |
| Return on Equity (ROE) | 1.7000% | 4,425 |
| Retained earnings to average equity (ytd only) | 1.7032% | 4,083 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 93.1640% | 250 |
| Assets per employee ($millions) | 5.7757% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 4,076 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 88.4400% | 51 |
| Net loans and leases to deposits | 106.3993% | 183 |
| Net loans and leases to core deposits | 121.0037% | 243 |
| Total domestic deposits to total assets | 83.1200% | 3,667 |
| Equity capital to assets | 10.7383% | 1,277 |
| Core capital (leverage) ratio | 11.2925% | 1,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4501% | 1,299 |
| Memoranda: | ||
| Average total assets | $74,586,000 | 4,225 |
| Average earning assets | $69,328,500 | 4,199 |
| Average equity | $8,611,000 | 4,081 |
| Average total loans | $65,004,750 | 3,674 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 556 |
| Cost of funding earning assets | 0.5566% | 375 |
| Net interest margin | 3.7027% | 907 |
| Noninterest income to average assets | 0.4221% | 2,618 |
| Noninterest expense to average assets | 3.7327% | 342 |
| Loan and lease loss provision to assets | 0.0166% | 2,307 |
| Net operating income to assets | 0.0828% | 4,525 |
| Return on assets (ROA) | 0.0828% | 4,490 |
| Pretax return on assets | 0.1048% | 4,485 |
| Return on Equity (ROE) | 0.6987% | 4,494 |
| Retained earnings to average equity (ytd only) | 0.6987% | 4,055 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8504% | 235 |
| Assets per employee ($millions) | 4.9753% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8759% | 4,015 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 87.7996% | 48 |
| Net loans and leases to deposits | 101.7769% | 217 |
| Net loans and leases to core deposits | 111.9284% | 320 |
| Total domestic deposits to total assets | 86.2667% | 3,178 |
| Equity capital to assets | 11.5277% | 1,024 |
| Core capital (leverage) ratio | 11.5370% | 1,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4007% | 1,100 |
| Memoranda: | ||
| Average total assets | $72,494,667 | 4,289 |
| Average earning assets | $67,193,333 | 4,273 |
| Average equity | $8,587,000 | 4,143 |
| Average total loans | $62,641,667 | 3,749 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2833% | 453 |
| Cost of funding earning assets | 0.5747% | 304 |
| Net interest margin | 3.7086% | 740 |
| Noninterest income to average assets | 0.5152% | 2,069 |
| Noninterest expense to average assets | 3.8529% | 307 |
| Loan and lease loss provision to assets | 0.0168% | 2,051 |
| Net operating income to assets | 0.0616% | 4,502 |
| Return on assets (ROA) | 0.0616% | 4,481 |
| Pretax return on assets | 0.0784% | 4,465 |
| Return on Equity (ROE) | 0.5129% | 4,483 |
| Retained earnings to average equity (ytd only) | 0.5129% | 3,916 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5887% | 289 |
| Assets per employee ($millions) | 4.9330% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 4,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 84.2746% | 80 |
| Net loans and leases to deposits | 98.4124% | 217 |
| Net loans and leases to core deposits | 107.3859% | 319 |
| Total domestic deposits to total assets | 85.6342% | 3,365 |
| Equity capital to assets | 11.6008% | 1,091 |
| Core capital (leverage) ratio | 12.0845% | 1,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8627% | 1,065 |
| Memoranda: | ||
| Average total assets | $71,427,500 | 4,322 |
| Average earning assets | $66,116,500 | 4,307 |
| Average equity | $8,579,000 | 4,200 |
| Average total loans | $60,911,000 | 3,780 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0917% | 1,171 |
| Cost of funding earning assets | 0.5961% | 557 |
| Net interest margin | 3.4956% | 1,752 |
| Noninterest income to average assets | 1.1031% | 853 |
| Noninterest expense to average assets | 3.7761% | 356 |
| Loan and lease loss provision to assets | 0.0132% | 2,819 |
| Net operating income to assets | 0.4360% | 4,212 |
| Return on assets (ROA) | 0.4360% | 4,255 |
| Pretax return on assets | 0.5399% | 4,195 |
| Return on Equity (ROE) | 3.5250% | 4,287 |
| Retained earnings to average equity (ytd only) | 3.5250% | 3,412 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2254% | 418 |
| Assets per employee ($millions) | 4.3038% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 3,864 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 84.6849% | 89 |
| Net loans and leases to deposits | 99.9280% | 198 |
| Net loans and leases to core deposits | 105.8849% | 370 |
| Total domestic deposits to total assets | 84.7459% | 3,344 |
| Equity capital to assets | 12.4514% | 1,075 |
| Core capital (leverage) ratio | 12.4423% | 952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8221% | 919 |
| Memoranda: | ||
| Average total assets | $68,351,000 | 4,354 |
| Average earning assets | $63,078,800 | 4,351 |
| Average equity | $8,454,000 | 4,296 |
| Average total loans | $55,375,400 | 3,903 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0186% | 1,495 |
| Cost of funding earning assets | 0.6143% | 595 |
| Net interest margin | 3.4043% | 2,141 |
| Noninterest income to average assets | 1.2918% | 703 |
| Noninterest expense to average assets | 3.7347% | 357 |
| Loan and lease loss provision to assets | 0.0132% | 2,730 |
| Net operating income to assets | 0.5511% | 4,096 |
| Return on assets (ROA) | 0.5511% | 4,142 |
| Pretax return on assets | 0.6840% | 4,091 |
| Return on Equity (ROE) | 4.4633% | 4,233 |
| Retained earnings to average equity (ytd only) | 4.4633% | 3,422 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2593% | 505 |
| Assets per employee ($millions) | 4.9804% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 3,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 82.3679% | 170 |
| Net loans and leases to deposits | 97.2698% | 301 |
| Net loans and leases to core deposits | 102.9838% | 494 |
| Total domestic deposits to total assets | 84.6798% | 3,233 |
| Equity capital to assets | 12.2725% | 1,275 |
| Core capital (leverage) ratio | 12.3708% | 1,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7230% | 1,004 |
| Memoranda: | ||
| Average total assets | $68,223,750 | 4,412 |
| Average earning assets | $62,938,500 | 4,404 |
| Average equity | $8,424,000 | 4,358 |
| Average total loans | $54,497,500 | 3,974 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9692% | 1,636 |
| Cost of funding earning assets | 0.6471% | 584 |
| Net interest margin | 3.3221% | 2,374 |
| Noninterest income to average assets | 1.3585% | 640 |
| Noninterest expense to average assets | 3.7122% | 360 |
| Loan and lease loss provision to assets | 0.0118% | 2,707 |
| Net operating income to assets | 0.5670% | 4,054 |
| Return on assets (ROA) | 0.5670% | 4,105 |
| Pretax return on assets | 0.6970% | 4,072 |
| Return on Equity (ROE) | 4.5825% | 4,219 |
| Retained earnings to average equity (ytd only) | 4.5825% | 3,334 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9679% | 551 |
| Assets per employee ($millions) | 5.3445% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 3,656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 77.4360% | 483 |
| Net loans and leases to deposits | 91.8968% | 543 |
| Net loans and leases to core deposits | 100.1545% | 653 |
| Total domestic deposits to total assets | 84.2641% | 3,351 |
| Equity capital to assets | 12.1866% | 1,278 |
| Core capital (leverage) ratio | 12.2325% | 1,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8777% | 828 |
| Memoranda: | ||
| Average total assets | $67,723,333 | 4,448 |
| Average earning assets | $62,431,000 | 4,442 |
| Average equity | $8,379,667 | 4,382 |
| Average total loans | $53,329,333 | 4,017 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 1,717 |
| Cost of funding earning assets | 0.6630% | 639 |
| Net interest margin | 3.2824% | 2,439 |
| Noninterest income to average assets | 1.7593% | 466 |
| Noninterest expense to average assets | 3.8656% | 317 |
| Loan and lease loss provision to assets | 0.0120% | 2,625 |
| Net operating income to assets | 0.7300% | 3,634 |
| Return on assets (ROA) | 0.7300% | 3,701 |
| Pretax return on assets | 0.9036% | 3,588 |
| Return on Equity (ROE) | 5.8541% | 3,897 |
| Retained earnings to average equity (ytd only) | 5.8541% | 2,943 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8511% | 762 |
| Assets per employee ($millions) | 4.8427% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 3,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 76.6896% | 570 |
| Net loans and leases to deposits | 91.0897% | 641 |
| Net loans and leases to core deposits | 99.4758% | 734 |
| Total domestic deposits to total assets | 84.1913% | 3,373 |
| Equity capital to assets | 12.3853% | 1,122 |
| Core capital (leverage) ratio | 12.6024% | 960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2663% | 759 |
| Memoranda: | ||
| Average total assets | $66,846,000 | 4,471 |
| Average earning assets | $61,540,000 | 4,469 |
| Average equity | $8,336,000 | 4,401 |
| Average total loans | $52,809,500 | 4,041 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0488% | 2,589 |
| Cost of funding earning assets | 0.9708% | 667 |
| Net interest margin | 3.0780% | 3,681 |
| Noninterest income to average assets | 1.5166% | 528 |
| Noninterest expense to average assets | 3.7547% | 485 |
| Loan and lease loss provision to assets | 0.0130% | 4,208 |
| Net operating income to assets | 0.4820% | 4,065 |
| Return on assets (ROA) | 0.4820% | 4,152 |
| Pretax return on assets | 0.5945% | 4,093 |
| Return on Equity (ROE) | 4.1323% | 4,130 |
| Retained earnings to average equity (ytd only) | 4.1323% | 2,745 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0734% | 528 |
| Assets per employee ($millions) | 4.7067% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 79.6658% | 449 |
| Net loans and leases to deposits | 95.2204% | 587 |
| Net loans and leases to core deposits | 105.6429% | 662 |
| Total domestic deposits to total assets | 83.6647% | 3,213 |
| Equity capital to assets | 12.5580% | 1,292 |
| Core capital (leverage) ratio | 12.4487% | 1,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1291% | 759 |
| Memoranda: | ||
| Average total assets | $69,300,000 | 4,394 |
| Average earning assets | $64,068,600 | 4,386 |
| Average equity | $8,082,600 | 4,414 |
| Average total loans | $53,816,200 | 4,026 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 2,836 |
| Cost of funding earning assets | 1.0411% | 660 |
| Net interest margin | 3.0061% | 3,963 |
| Noninterest income to average assets | 1.3418% | 609 |
| Noninterest expense to average assets | 3.5997% | 615 |
| Loan and lease loss provision to assets | 0.0128% | 4,150 |
| Net operating income to assets | 0.4181% | 4,227 |
| Return on assets (ROA) | 0.4181% | 4,293 |
| Pretax return on assets | 0.5113% | 4,257 |
| Return on Equity (ROE) | 3.6508% | 4,257 |
| Retained earnings to average equity (ytd only) | 3.6508% | 3,226 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2811% | 449 |
| Assets per employee ($millions) | 4.5137% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 80.2972% | 587 |
| Net loans and leases to deposits | 95.2202% | 824 |
| Net loans and leases to core deposits | 104.8080% | 890 |
| Total domestic deposits to total assets | 84.3278% | 2,698 |
| Equity capital to assets | 12.0536% | 1,642 |
| Core capital (leverage) ratio | 11.8821% | 1,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5769% | 826 |
| Memoranda: | ||
| Average total assets | $70,151,500 | 4,389 |
| Average earning assets | $64,932,250 | 4,389 |
| Average equity | $8,034,500 | 4,438 |
| Average total loans | $54,005,500 | 4,051 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1173% | 3,007 |
| Cost of funding earning assets | 1.0856% | 741 |
| Net interest margin | 3.0317% | 4,054 |
| Noninterest income to average assets | 1.0230% | 944 |
| Noninterest expense to average assets | 3.3903% | 868 |
| Loan and lease loss provision to assets | 0.0113% | 4,077 |
| Net operating income to assets | 0.3551% | 4,322 |
| Return on assets (ROA) | 0.3551% | 4,377 |
| Pretax return on assets | 0.4312% | 4,370 |
| Return on Equity (ROE) | 3.1530% | 4,316 |
| Retained earnings to average equity (ytd only) | 3.1530% | 3,324 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4559% | 435 |
| Assets per employee ($millions) | 4.7353% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 3,231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 72.7270% | 1,589 |
| Net loans and leases to deposits | 86.2807% | 1,733 |
| Net loans and leases to core deposits | 98.1028% | 1,402 |
| Total domestic deposits to total assets | 84.2911% | 2,640 |
| Equity capital to assets | 11.3572% | 2,076 |
| Core capital (leverage) ratio | 11.3891% | 1,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8113% | 794 |
| Memoranda: | ||
| Average total assets | $70,966,667 | 4,388 |
| Average earning assets | $65,771,333 | 4,378 |
| Average equity | $7,992,333 | 4,454 |
| Average total loans | $53,698,000 | 4,066 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3965% | 2,629 |
| Cost of funding earning assets | 1.1615% | 874 |
| Net interest margin | 3.2351% | 3,767 |
| Noninterest income to average assets | 0.5244% | 2,421 |
| Noninterest expense to average assets | 3.3383% | 1,160 |
| Loan and lease loss provision to assets | 0.0113% | 3,635 |
| Net operating income to assets | 0.1523% | 4,599 |
| Return on assets (ROA) | 0.1523% | 4,603 |
| Pretax return on assets | 0.1748% | 4,596 |
| Return on Equity (ROE) | 1.3576% | 4,575 |
| Retained earnings to average equity (ytd only) | 1.3576% | 3,644 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7200% | 358 |
| Assets per employee ($millions) | 4.7375% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 3,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 75.4851% | 1,391 |
| Net loans and leases to deposits | 89.5302% | 1,566 |
| Net loans and leases to core deposits | 102.7251% | 1,261 |
| Total domestic deposits to total assets | 84.3125% | 2,665 |
| Equity capital to assets | 11.2126% | 2,666 |
| Core capital (leverage) ratio | 11.6352% | 1,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1186% | 967 |
| Memoranda: | ||
| Average total assets | $70,935,000 | 4,394 |
| Average earning assets | $65,779,000 | 4,389 |
| Average equity | $7,955,000 | 4,486 |
| Average total loans | $54,438,500 | 4,063 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6105% | 2,569 |
| Cost of funding earning assets | 1.2356% | 934 |
| Net interest margin | 3.3750% | 3,812 |
| Noninterest income to average assets | 0.4828% | 2,842 |
| Noninterest expense to average assets | 3.0970% | 1,768 |
| Loan and lease loss provision to assets | 0.0508% | 3,007 |
| Net operating income to assets | 0.3797% | 4,631 |
| Return on assets (ROA) | 0.3797% | 4,659 |
| Pretax return on assets | 0.4658% | 4,625 |
| Return on Equity (ROE) | 3.4479% | 4,587 |
| Retained earnings to average equity (ytd only) | 3.4479% | 3,281 |
| Net charge-offs to loans | 0.0631% | 2,197 |
| Credit loss provision to net charge-offs | 102.8571% | 2,414 |
| Earnings coverage of net charge-offs (x) | 10.4571% | 2,573 |
| Efficiency ratio | 85.7031% | 559 |
| Assets per employee ($millions) | 5.0576% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 3,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 76.4374% | 1,335 |
| Net loans and leases to deposits | 91.2052% | 1,463 |
| Net loans and leases to core deposits | 104.8184% | 1,177 |
| Total domestic deposits to total assets | 83.8081% | 2,907 |
| Equity capital to assets | 11.2164% | 2,800 |
| Core capital (leverage) ratio | 11.3571% | 2,210 |
| Tier 1 risk-based capital ratio | 17.8983% | 1,786 |
| Total risk-based capital ratio | 19.1490% | 1,735 |
| Memoranda: | ||
| Average total assets | $70,843,200 | 4,418 |
| Average earning assets | $65,719,200 | 4,410 |
| Average equity | $7,801,800 | 4,529 |
| Average total loans | $55,453,400 | 4,067 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6416% | 2,594 |
| Cost of funding earning assets | 1.2233% | 973 |
| Net interest margin | 3.4183% | 3,810 |
| Noninterest income to average assets | 0.4272% | 3,163 |
| Noninterest expense to average assets | 3.0974% | 1,718 |
| Loan and lease loss provision to assets | 0.0508% | 2,885 |
| Net operating income to assets | 0.3688% | 4,773 |
| Return on assets (ROA) | 0.3688% | 4,795 |
| Pretax return on assets | 0.4498% | 4,752 |
| Return on Equity (ROE) | 3.3647% | 4,704 |
| Retained earnings to average equity (ytd only) | 3.3647% | 3,717 |
| Net charge-offs to loans | 0.0839% | 1,636 |
| Credit loss provision to net charge-offs | 77.1429% | 2,540 |
| Earnings coverage of net charge-offs (x) | 7.5993% | 2,727 |
| Efficiency ratio | 86.0879% | 495 |
| Assets per employee ($millions) | 4.7468% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 3,696 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 77.6916% | 1,188 |
| Net loans and leases to deposits | 95.0155% | 1,121 |
| Net loans and leases to core deposits | 106.9877% | 1,113 |
| Total domestic deposits to total assets | 81.7674% | 3,541 |
| Equity capital to assets | 11.0503% | 3,060 |
| Core capital (leverage) ratio | 10.9890% | 2,651 |
| Tier 1 risk-based capital ratio | 17.7251% | 1,894 |
| Total risk-based capital ratio | 18.9551% | 1,858 |
| Memoranda: | ||
| Average total assets | $70,852,250 | 4,469 |
| Average earning assets | $65,722,250 | 4,466 |
| Average equity | $7,766,750 | 4,589 |
| Average total loans | $55,647,250 | 4,108 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 2,486 |
| Cost of funding earning assets | 1.1992% | 999 |
| Net interest margin | 3.4605% | 3,714 |
| Noninterest income to average assets | 0.3449% | 3,627 |
| Noninterest expense to average assets | 3.1045% | 1,719 |
| Loan and lease loss provision to assets | 0.0509% | 2,797 |
| Net operating income to assets | 0.3336% | 4,825 |
| Return on assets (ROA) | 0.3336% | 4,840 |
| Pretax return on assets | 0.4043% | 4,821 |
| Return on Equity (ROE) | 3.0519% | 4,787 |
| Retained earnings to average equity (ytd only) | 3.0519% | 3,696 |
| Net charge-offs to loans | 0.1188% | 1,242 |
| Credit loss provision to net charge-offs | 54.5455% | 2,437 |
| Earnings coverage of net charge-offs (x) | 4.8788% | 2,703 |
| Efficiency ratio | 87.2121% | 483 |
| Assets per employee ($millions) | 4.4713% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 3,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 77.6925% | 1,278 |
| Net loans and leases to deposits | 95.6398% | 1,076 |
| Net loans and leases to core deposits | 107.6336% | 1,125 |
| Total domestic deposits to total assets | 81.2345% | 3,742 |
| Equity capital to assets | 10.8889% | 3,189 |
| Core capital (leverage) ratio | 10.7798% | 2,810 |
| Tier 1 risk-based capital ratio | 17.7817% | 1,860 |
| Total risk-based capital ratio | 19.0121% | 1,816 |
| Memoranda: | ||
| Average total assets | $70,735,670 | 4,508 |
| Average earning assets | $65,712,670 | 4,500 |
| Average equity | $7,733,000 | 4,618 |
| Average total loans | $55,575,000 | 4,131 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6496% | 2,377 |
| Cost of funding earning assets | 1.1210% | 1,120 |
| Net interest margin | 3.5285% | 3,506 |
| Noninterest income to average assets | 0.3071% | 3,821 |
| Noninterest expense to average assets | 3.0825% | 1,766 |
| Loan and lease loss provision to assets | 0.0512% | 2,632 |
| Net operating income to assets | 0.3697% | 4,792 |
| Return on assets (ROA) | 0.3697% | 4,798 |
| Pretax return on assets | 0.4493% | 4,775 |
| Return on Equity (ROE) | 3.3747% | 4,703 |
| Retained earnings to average equity (ytd only) | 3.3747% | 3,570 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0317% | 579 |
| Assets per employee ($millions) | 4.1521% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 3,614 |
| Loan loss allowance to noncurrent loans | 840.2985% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 4,335 |
| Noncurrent loans to loans | 0.1205% | 4,198 |
| Net loans and leases to total assets | 77.9716% | 1,157 |
| Net loans and leases to deposits | 100.0727% | 631 |
| Net loans and leases to core deposits | 109.5852% | 955 |
| Total domestic deposits to total assets | 77.9149% | 4,529 |
| Equity capital to assets | 10.9611% | 2,894 |
| Core capital (leverage) ratio | 10.9365% | 2,627 |
| Tier 1 risk-based capital ratio | 18.0018% | 1,790 |
| Total risk-based capital ratio | 19.2536% | 1,752 |
| Memoranda: | ||
| Average total assets | $70,333,000 | 4,566 |
| Average earning assets | $65,296,500 | 4,555 |
| Average equity | $7,704,500 | 4,652 |
| Average total loans | $55,302,000 | 4,180 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4597% | 2,582 |
| Cost of funding earning assets | 0.9737% | 833 |
| Net interest margin | 3.4860% | 3,749 |
| Noninterest income to average assets | 0.8632% | 1,283 |
| Noninterest expense to average assets | 3.2319% | 1,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7213% | 4,072 |
| Return on assets (ROA) | 0.7213% | 4,077 |
| Pretax return on assets | 0.8632% | 3,994 |
| Return on Equity (ROE) | 6.6251% | 3,958 |
| Retained earnings to average equity (ytd only) | 6.6251% | 1,850 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9210% | 1,046 |
| Assets per employee ($millions) | 4.6720% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 3,634 |
| Loan loss allowance to noncurrent loans | 826.8657% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 4,347 |
| Noncurrent loans to loans | 0.1218% | 4,183 |
| Net loans and leases to total assets | 77.6969% | 1,322 |
| Net loans and leases to deposits | 100.0257% | 747 |
| Net loans and leases to core deposits | 106.4933% | 1,232 |
| Total domestic deposits to total assets | 77.6769% | 4,538 |
| Equity capital to assets | 10.9475% | 2,732 |
| Core capital (leverage) ratio | 11.2154% | 2,336 |
| Tier 1 risk-based capital ratio | 17.9378% | 1,773 |
| Total risk-based capital ratio | 19.1887% | 1,733 |
| Memoranda: | ||
| Average total assets | $68,350,600 | 4,608 |
| Average earning assets | $63,367,000 | 4,602 |
| Average equity | $7,441,400 | 4,685 |
| Average total loans | $53,727,800 | 4,231 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4141% | 2,580 |
| Cost of funding earning assets | 0.9256% | 815 |
| Net interest margin | 3.4885% | 3,732 |
| Noninterest income to average assets | 1.0071% | 947 |
| Noninterest expense to average assets | 3.2646% | 1,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7970% | 3,911 |
| Return on assets (ROA) | 0.7970% | 3,921 |
| Pretax return on assets | 0.9757% | 3,795 |
| Return on Equity (ROE) | 7.3312% | 3,809 |
| Retained earnings to average equity (ytd only) | 7.3312% | 1,955 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9907% | 1,227 |
| Assets per employee ($millions) | 4.0677% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 3,729 |
| Loan loss allowance to noncurrent loans | 826.8657% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 4,490 |
| Noncurrent loans to loans | 0.1214% | 4,345 |
| Net loans and leases to total assets | 78.9924% | 1,168 |
| Net loans and leases to deposits | 103.0369% | 601 |
| Net loans and leases to core deposits | 109.8500% | 1,042 |
| Total domestic deposits to total assets | 76.6641% | 4,694 |
| Equity capital to assets | 10.9702% | 2,688 |
| Core capital (leverage) ratio | 11.1964% | 2,418 |
| Tier 1 risk-based capital ratio | 18.0357% | 1,782 |
| Total risk-based capital ratio | 19.2863% | 1,737 |
| Memoranda: | ||
| Average total assets | $67,918,250 | 4,662 |
| Average earning assets | $62,948,000 | 4,655 |
| Average equity | $7,383,750 | 4,739 |
| Average total loans | $53,408,750 | 4,282 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4043% | 2,399 |
| Cost of funding earning assets | 0.8732% | 817 |
| Net interest margin | 3.5311% | 3,529 |
| Noninterest income to average assets | 1.3184% | 557 |
| Noninterest expense to average assets | 3.2826% | 1,364 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0636% | 2,736 |
| Return on assets (ROA) | 1.0636% | 2,740 |
| Pretax return on assets | 1.3065% | 2,481 |
| Return on Equity (ROE) | 9.8137% | 2,651 |
| Retained earnings to average equity (ytd only) | 9.8137% | 981 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5300% | 2,079 |
| Assets per employee ($millions) | 3.8676% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 3,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 81.1726% | 828 |
| Net loans and leases to deposits | 108.5372% | 333 |
| Net loans and leases to core deposits | 113.2157% | 826 |
| Total domestic deposits to total assets | 74.7878% | 4,966 |
| Equity capital to assets | 11.4646% | 2,225 |
| Core capital (leverage) ratio | 11.1672% | 2,373 |
| Tier 1 risk-based capital ratio | 18.3764% | 1,705 |
| Total risk-based capital ratio | 19.6270% | 1,669 |
| Memoranda: | ||
| Average total assets | $67,507,330 | 4,728 |
| Average earning assets | $62,529,670 | 4,719 |
| Average equity | $7,316,330 | 4,798 |
| Average total loans | $52,819,000 | 4,329 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3769% | 2,273 |
| Cost of funding earning assets | 0.8451% | 783 |
| Net interest margin | 3.5318% | 3,418 |
| Noninterest income to average assets | 0.3685% | 3,673 |
| Noninterest expense to average assets | 3.2755% | 1,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3042% | 5,085 |
| Return on assets (ROA) | 0.3042% | 5,090 |
| Pretax return on assets | 0.3685% | 5,077 |
| Return on Equity (ROE) | 2.8867% | 5,045 |
| Retained earnings to average equity (ytd only) | 2.8867% | 4,041 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8876% | 448 |
| Assets per employee ($millions) | 3.7353% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 3,610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 77.0673% | 1,379 |
| Net loans and leases to deposits | 96.3858% | 995 |
| Net loans and leases to core deposits | 108.9760% | 1,065 |
| Total domestic deposits to total assets | 79.9572% | 4,424 |
| Equity capital to assets | 10.7547% | 2,817 |
| Core capital (leverage) ratio | 10.6446% | 2,802 |
| Tier 1 risk-based capital ratio | 18.1679% | 1,778 |
| Total risk-based capital ratio | 19.4191% | 1,740 |
| Memoranda: | ||
| Average total assets | $68,386,000 | 4,766 |
| Average earning assets | $63,424,000 | 4,761 |
| Average equity | $7,205,500 | 4,870 |
| Average total loans | $52,266,000 | 4,386 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1902% | 2,723 |
| Cost of funding earning assets | 0.7966% | 634 |
| Net interest margin | 3.3936% | 3,869 |
| Noninterest income to average assets | 0.3770% | 3,778 |
| Noninterest expense to average assets | 3.0186% | 2,117 |
| Loan and lease loss provision to assets | 0.0425% | 3,398 |
| Net operating income to assets | 0.3175% | 4,901 |
| Return on assets (ROA) | 0.3175% | 4,915 |
| Pretax return on assets | 0.4733% | 4,970 |
| Return on Equity (ROE) | 3.1695% | 4,786 |
| Retained earnings to average equity (ytd only) | 3.1695% | 3,404 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4050% | 680 |
| Assets per employee ($millions) | 3.8631% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 3,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 74.2162% | 1,880 |
| Net loans and leases to deposits | 92.0863% | 1,511 |
| Net loans and leases to core deposits | 97.1408% | 1,929 |
| Total domestic deposits to total assets | 80.5942% | 4,220 |
| Equity capital to assets | 10.3256% | 3,358 |
| Core capital (leverage) ratio | 10.0766% | 3,356 |
| Tier 1 risk-based capital ratio | 18.1892% | 1,746 |
| Total risk-based capital ratio | 19.4406% | 1,699 |
| Memoranda: | ||
| Average total assets | $70,561,600 | 4,767 |
| Average earning assets | $65,653,800 | 4,752 |
| Average equity | $7,067,400 | 4,928 |
| Average total loans | $52,429,600 | 4,400 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1929% | 2,642 |
| Cost of funding earning assets | 0.7828% | 638 |
| Net interest margin | 3.4102% | 3,813 |
| Noninterest income to average assets | 0.3671% | 3,899 |
| Noninterest expense to average assets | 3.0669% | 1,899 |
| Loan and lease loss provision to assets | 0.0565% | 2,960 |
| Net operating income to assets | 0.2975% | 5,218 |
| Return on assets (ROA) | 0.2975% | 5,240 |
| Pretax return on assets | 0.4180% | 5,162 |
| Return on Equity (ROE) | 2.9926% | 5,115 |
| Retained earnings to average equity (ytd only) | 2.9926% | 4,134 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6029% | 593 |
| Assets per employee ($millions) | 4.3547% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 3,500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 71.7402% | 2,293 |
| Net loans and leases to deposits | 89.0348% | 1,920 |
| Net loans and leases to core deposits | 94.8122% | 2,190 |
| Total domestic deposits to total assets | 80.5755% | 4,182 |
| Equity capital to assets | 10.2088% | 3,685 |
| Core capital (leverage) ratio | 9.9430% | 3,638 |
| Tier 1 risk-based capital ratio | 18.6634% | 1,691 |
| Total risk-based capital ratio | 19.9150% | 1,634 |
| Memoranda: | ||
| Average total assets | $70,818,000 | 4,812 |
| Average earning assets | $65,919,000 | 4,791 |
| Average equity | $7,039,250 | 4,988 |
| Average total loans | $52,496,750 | 4,433 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 2,560 |
| Cost of funding earning assets | 0.7629% | 643 |
| Net interest margin | 3.4133% | 3,728 |
| Noninterest income to average assets | 0.4017% | 3,680 |
| Noninterest expense to average assets | 3.0731% | 1,905 |
| Loan and lease loss provision to assets | 0.0843% | 2,300 |
| Net operating income to assets | 0.3006% | 5,220 |
| Return on assets (ROA) | 0.3006% | 5,239 |
| Pretax return on assets | 0.4242% | 5,135 |
| Return on Equity (ROE) | 3.0507% | 5,109 |
| Retained earnings to average equity (ytd only) | 3.0507% | 3,897 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8039% | 705 |
| Assets per employee ($millions) | 3.9279% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 3,834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 73.6107% | 1,942 |
| Net loans and leases to deposits | 91.6737% | 1,539 |
| Net loans and leases to core deposits | 98.0058% | 1,809 |
| Total domestic deposits to total assets | 80.2965% | 4,351 |
| Equity capital to assets | 9.9883% | 3,925 |
| Core capital (leverage) ratio | 9.8435% | 3,723 |
| Tier 1 risk-based capital ratio | 18.0868% | 1,832 |
| Total risk-based capital ratio | 19.3392% | 1,786 |
| Memoranda: | ||
| Average total assets | $71,199,000 | 4,838 |
| Average earning assets | $66,328,670 | 4,823 |
| Average equity | $7,014,670 | 5,018 |
| Average total loans | $53,149,330 | 4,443 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1724% | 2,376 |
| Cost of funding earning assets | 0.7444% | 676 |
| Net interest margin | 3.4279% | 3,537 |
| Noninterest income to average assets | 0.4199% | 3,520 |
| Noninterest expense to average assets | 3.0344% | 2,070 |
| Loan and lease loss provision to assets | 0.0840% | 2,135 |
| Net operating income to assets | 0.3471% | 5,081 |
| Return on assets (ROA) | 0.3471% | 5,101 |
| Pretax return on assets | 0.4983% | 4,973 |
| Return on Equity (ROE) | 3.5474% | 4,943 |
| Retained earnings to average equity (ytd only) | 3.5474% | 3,670 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9009% | 977 |
| Assets per employee ($millions) | 3.9873% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 4,243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 73.9170% | 1,756 |
| Net loans and leases to deposits | 92.1889% | 1,311 |
| Net loans and leases to core deposits | 97.9994% | 1,658 |
| Total domestic deposits to total assets | 80.1800% | 4,582 |
| Equity capital to assets | 9.7769% | 3,998 |
| Core capital (leverage) ratio | 9.8703% | 3,662 |
| Tier 1 risk-based capital ratio | 17.7219% | 1,971 |
| Total risk-based capital ratio | 18.9721% | 1,924 |
| Memoranda: | ||
| Average total assets | $71,447,000 | 4,887 |
| Average earning assets | $66,629,000 | 4,865 |
| Average equity | $6,991,000 | 5,065 |
| Average total loans | $53,424,500 | 4,472 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1799% | 2,557 |
| Cost of funding earning assets | 0.7584% | 610 |
| Net interest margin | 3.4215% | 3,744 |
| Noninterest income to average assets | 0.2631% | 4,850 |
| Noninterest expense to average assets | 2.9546% | 2,481 |
| Loan and lease loss provision to assets | 0.1735% | 1,397 |
| Net operating income to assets | 0.2327% | 5,345 |
| Return on assets (ROA) | 0.2327% | 5,419 |
| Pretax return on assets | 0.3238% | 5,339 |
| Return on Equity (ROE) | 2.3407% | 5,321 |
| Retained earnings to average equity (ytd only) | 2.3407% | 4,196 |
| Net charge-offs to loans | -0.0019% | 4,694 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5946% | 855 |
| Assets per employee ($millions) | 3.9513% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9839% | 4,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 74.1462% | 1,829 |
| Net loans and leases to deposits | 92.4705% | 1,378 |
| Net loans and leases to core deposits | 98.9901% | 1,710 |
| Total domestic deposits to total assets | 80.1836% | 4,533 |
| Equity capital to assets | 9.7929% | 3,949 |
| Core capital (leverage) ratio | 9.7404% | 3,813 |
| Tier 1 risk-based capital ratio | 17.7357% | 1,932 |
| Total risk-based capital ratio | 18.9860% | 1,893 |
| Memoranda: | ||
| Average total assets | $69,180,000 | 4,951 |
| Average earning assets | $64,474,600 | 4,933 |
| Average equity | $6,878,400 | 5,117 |
| Average total loans | $52,263,800 | 4,513 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2110% | 2,476 |
| Cost of funding earning assets | 0.7605% | 608 |
| Net interest margin | 3.4504% | 3,669 |
| Noninterest income to average assets | 0.2581% | 4,916 |
| Noninterest expense to average assets | 3.0065% | 2,304 |
| Loan and lease loss provision to assets | 0.1747% | 1,287 |
| Net operating income to assets | 0.2116% | 5,447 |
| Return on assets (ROA) | 0.2116% | 5,509 |
| Pretax return on assets | 0.2911% | 5,466 |
| Return on Equity (ROE) | 2.1195% | 5,449 |
| Retained earnings to average equity (ytd only) | 2.1195% | 4,633 |
| Net charge-offs to loans | -0.0026% | 4,515 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5847% | 778 |
| Assets per employee ($millions) | 3.7198% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9381% | 4,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 73.6587% | 1,929 |
| Net loans and leases to deposits | 91.8148% | 1,522 |
| Net loans and leases to core deposits | 98.3396% | 1,779 |
| Total domestic deposits to total assets | 80.2253% | 4,462 |
| Equity capital to assets | 9.7813% | 4,382 |
| Core capital (leverage) ratio | 9.6849% | 3,959 |
| Tier 1 risk-based capital ratio | 18.5614% | 1,777 |
| Total risk-based capital ratio | 19.8099% | 1,737 |
| Memoranda: | ||
| Average total assets | $68,694,250 | 5,002 |
| Average earning assets | $63,990,250 | 4,984 |
| Average equity | $6,856,750 | 5,168 |
| Average total loans | $52,015,000 | 4,555 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2221% | 2,437 |
| Cost of funding earning assets | 0.7521% | 620 |
| Net interest margin | 3.4699% | 3,615 |
| Noninterest income to average assets | 0.2264% | 5,135 |
| Noninterest expense to average assets | 2.9956% | 2,363 |
| Loan and lease loss provision to assets | 0.1764% | 1,243 |
| Net operating income to assets | 0.2058% | 5,512 |
| Return on assets (ROA) | 0.2058% | 5,571 |
| Pretax return on assets | 0.2822% | 5,524 |
| Return on Equity (ROE) | 2.0474% | 5,499 |
| Retained earnings to average equity (ytd only) | 2.0474% | 4,541 |
| Net charge-offs to loans | -0.0039% | 4,473 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7234% | 819 |
| Assets per employee ($millions) | 3.6587% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 4,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 74.1599% | 1,809 |
| Net loans and leases to deposits | 92.7312% | 1,431 |
| Net loans and leases to core deposits | 97.8997% | 1,817 |
| Total domestic deposits to total assets | 79.9730% | 4,554 |
| Equity capital to assets | 9.8884% | 4,352 |
| Core capital (leverage) ratio | 9.7779% | 3,836 |
| Tier 1 risk-based capital ratio | 17.6613% | 2,024 |
| Total risk-based capital ratio | 18.8553% | 2,007 |
| Memoranda: | ||
| Average total assets | $68,033,670 | 5,066 |
| Average earning assets | $63,286,670 | 5,043 |
| Average equity | $6,838,000 | 5,226 |
| Average total loans | $51,836,000 | 4,592 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2628% | 2,262 |
| Cost of funding earning assets | 0.7553% | 618 |
| Net interest margin | 3.5075% | 3,446 |
| Noninterest income to average assets | 0.1962% | 5,328 |
| Noninterest expense to average assets | 3.0613% | 2,210 |
| Loan and lease loss provision to assets | 0.1783% | 1,136 |
| Net operating income to assets | 0.1605% | 5,598 |
| Return on assets (ROA) | 0.1605% | 5,655 |
| Pretax return on assets | 0.2140% | 5,626 |
| Return on Equity (ROE) | 1.5836% | 5,597 |
| Retained earnings to average equity (ytd only) | 1.5836% | 4,635 |
| Net charge-offs to loans | -0.0077% | 4,431 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6403% | 768 |
| Assets per employee ($millions) | 3.5408% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8280% | 5,286 |
| Loan loss allowance to noncurrent loans | 850.9804% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 4,113 |
| Noncurrent loans to loans | 0.0973% | 5,081 |
| Net loans and leases to total assets | 77.2650% | 1,211 |
| Net loans and leases to deposits | 97.3992% | 807 |
| Net loans and leases to core deposits | 103.0654% | 1,256 |
| Total domestic deposits to total assets | 79.3281% | 4,893 |
| Equity capital to assets | 10.1538% | 3,892 |
| Core capital (leverage) ratio | 9.8691% | 3,699 |
| Tier 1 risk-based capital ratio | 18.0218% | 1,980 |
| Total risk-based capital ratio | 19.1668% | 1,976 |
| Memoranda: | ||
| Average total assets | $67,292,500 | 5,125 |
| Average earning assets | $62,494,000 | 5,109 |
| Average equity | $6,820,000 | 5,269 |
| Average total loans | $51,745,500 | 4,620 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1919% | 2,589 |
| Cost of funding earning assets | 0.7940% | 504 |
| Net interest margin | 3.3979% | 3,924 |
| Noninterest income to average assets | 0.2420% | 5,148 |
| Noninterest expense to average assets | 2.7863% | 3,296 |
| Loan and lease loss provision to assets | 0.1781% | 1,273 |
| Net operating income to assets | 0.3236% | 5,288 |
| Return on assets (ROA) | 0.3236% | 5,373 |
| Pretax return on assets | 0.4602% | 5,201 |
| Return on Equity (ROE) | 3.2567% | 5,211 |
| Retained earnings to average equity (ytd only) | 3.2567% | 3,735 |
| Net charge-offs to loans | 0.0566% | 3,087 |
| Credit loss provision to net charge-offs | 413.7931% | 742 |
| Earnings coverage of net charge-offs (x) | 14.8276% | 2,258 |
| Efficiency ratio | 81.3611% | 1,493 |
| Assets per employee ($millions) | 3.7394% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7890% | 5,439 |
| Loan loss allowance to noncurrent loans | 790.1961% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 4,139 |
| Noncurrent loans to loans | 0.0998% | 5,102 |
| Net loans and leases to total assets | 75.2845% | 1,526 |
| Net loans and leases to deposits | 95.0625% | 1,109 |
| Net loans and leases to core deposits | 99.9073% | 1,503 |
| Total domestic deposits to total assets | 79.1948% | 4,937 |
| Equity capital to assets | 10.1159% | 3,847 |
| Core capital (leverage) ratio | 10.0980% | 3,383 |
| Tier 1 risk-based capital ratio | 14.7880% | 3,283 |
| Total risk-based capital ratio | 15.6633% | 3,402 |
| Memoranda: | ||
| Average total assets | $67,365,200 | 5,146 |
| Average earning assets | $63,097,600 | 5,106 |
| Average equity | $6,693,800 | 5,301 |
| Average total loans | $51,214,800 | 4,631 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1746% | 2,664 |
| Cost of funding earning assets | 0.8117% | 461 |
| Net interest margin | 3.3629% | 4,097 |
| Noninterest income to average assets | 0.2256% | 5,299 |
| Noninterest expense to average assets | 2.8000% | 3,187 |
| Loan and lease loss provision to assets | 0.1781% | 1,180 |
| Net operating income to assets | 0.2869% | 5,493 |
| Return on assets (ROA) | 0.2869% | 5,568 |
| Pretax return on assets | 0.4037% | 5,457 |
| Return on Equity (ROE) | 2.9007% | 5,422 |
| Retained earnings to average equity (ytd only) | 2.9007% | 4,383 |
| Net charge-offs to loans | 0.0755% | 2,484 |
| Credit loss provision to net charge-offs | 310.3448% | 938 |
| Earnings coverage of net charge-offs (x) | 10.1368% | 2,622 |
| Efficiency ratio | 82.7970% | 1,294 |
| Assets per employee ($millions) | 3.7671% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7304% | 5,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 4,627 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 74.5601% | 1,632 |
| Net loans and leases to deposits | 93.7699% | 1,228 |
| Net loans and leases to core deposits | 98.5075% | 1,648 |
| Total domestic deposits to total assets | 79.5139% | 4,857 |
| Equity capital to assets | 9.9356% | 4,248 |
| Core capital (leverage) ratio | 10.0579% | 3,549 |
| Tier 1 risk-based capital ratio | 17.9290% | 2,044 |
| Total risk-based capital ratio | 18.9190% | 2,091 |
| Memoranda: | ||
| Average total assets | $67,379,000 | 5,211 |
| Average earning assets | $63,237,250 | 5,167 |
| Average equity | $6,665,000 | 5,378 |
| Average total loans | $51,249,250 | 4,674 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2012% | 2,539 |
| Cost of funding earning assets | 0.8345% | 418 |
| Net interest margin | 3.3666% | 4,029 |
| Noninterest income to average assets | 0.2320% | 5,305 |
| Noninterest expense to average assets | 2.8140% | 3,180 |
| Loan and lease loss provision to assets | 0.1785% | 1,147 |
| Net operating income to assets | 0.2885% | 5,474 |
| Return on assets (ROA) | 0.2885% | 5,563 |
| Pretax return on assets | 0.4075% | 5,447 |
| Return on Equity (ROE) | 2.9212% | 5,426 |
| Retained earnings to average equity (ytd only) | 2.9212% | 4,178 |
| Net charge-offs to loans | 0.1168% | 1,834 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 6.5667% | 2,767 |
| Efficiency ratio | 82.7647% | 1,402 |
| Assets per employee ($millions) | 3.9256% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6806% | 5,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2892% | 4,716 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 74.7797% | 1,538 |
| Net loans and leases to deposits | 94.2956% | 1,124 |
| Net loans and leases to core deposits | 99.1497% | 1,559 |
| Total domestic deposits to total assets | 79.3035% | 5,024 |
| Equity capital to assets | 10.0216% | 4,013 |
| Core capital (leverage) ratio | 9.7923% | 3,870 |
| Tier 1 risk-based capital ratio | 18.6133% | 1,894 |
| Total risk-based capital ratio | 19.5660% | 1,940 |
| Memoranda: | ||
| Average total assets | $67,236,330 | 5,273 |
| Average earning assets | $63,267,670 | 5,214 |
| Average equity | $6,641,000 | 5,422 |
| Average total loans | $51,356,000 | 4,711 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1718% | 2,566 |
| Cost of funding earning assets | 0.8369% | 410 |
| Net interest margin | 3.3349% | 4,082 |
| Noninterest income to average assets | 0.2252% | 5,344 |
| Noninterest expense to average assets | 2.7798% | 3,316 |
| Loan and lease loss provision to assets | 0.1778% | 1,089 |
| Net operating income to assets | 0.2904% | 5,452 |
| Return on assets (ROA) | 0.2904% | 5,545 |
| Pretax return on assets | 0.4090% | 5,414 |
| Return on Equity (ROE) | 2.9618% | 5,392 |
| Retained earnings to average equity (ytd only) | 2.9618% | 4,196 |
| Net charge-offs to loans | 0.2312% | 1,027 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 3.3000% | 2,625 |
| Efficiency ratio | 82.5704% | 1,551 |
| Assets per employee ($millions) | 3.9824% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5994% | 6,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2851% | 4,818 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 76.4254% | 1,151 |
| Net loans and leases to deposits | 99.5096% | 588 |
| Net loans and leases to core deposits | 104.7241% | 1,018 |
| Total domestic deposits to total assets | 76.8021% | 5,644 |
| Equity capital to assets | 9.8095% | 4,377 |
| Core capital (leverage) ratio | 9.7410% | 3,968 |
| Tier 1 risk-based capital ratio | 17.9119% | 2,168 |
| Total risk-based capital ratio | 18.7534% | 2,255 |
| Memoranda: | ||
| Average total assets | $67,486,500 | 5,319 |
| Average earning assets | $63,570,000 | 5,262 |
| Average equity | $6,617,500 | 5,480 |
| Average total loans | $51,910,500 | 4,739 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 1,596 |
| Cost of funding earning assets | 0.8678% | 466 |
| Net interest margin | 3.7198% | 2,929 |
| Noninterest income to average assets | 0.2402% | 5,406 |
| Noninterest expense to average assets | 3.0252% | 2,769 |
| Loan and lease loss provision to assets | 0.1974% | 1,292 |
| Net operating income to assets | 0.3619% | 5,348 |
| Return on assets (ROA) | 0.3619% | 5,422 |
| Pretax return on assets | 0.5149% | 5,211 |
| Return on Equity (ROE) | 3.3995% | 5,330 |
| Retained earnings to average equity (ytd only) | 3.3995% | 3,790 |
| Net charge-offs to loans | 0.3227% | 1,370 |
| Credit loss provision to net charge-offs | 74.5342% | 2,975 |
| Earnings coverage of net charge-offs (x) | 2.6894% | 4,085 |
| Efficiency ratio | 80.9419% | 1,777 |
| Assets per employee ($millions) | 3.9572% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6027% | 6,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 4,885 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 76.4898% | 1,197 |
| Net loans and leases to deposits | 99.7615% | 635 |
| Net loans and leases to core deposits | 105.0293% | 1,075 |
| Total domestic deposits to total assets | 76.6727% | 5,647 |
| Equity capital to assets | 9.8019% | 4,352 |
| Core capital (leverage) ratio | 9.8019% | 3,833 |
| Tier 1 risk-based capital ratio | 18.4866% | 1,991 |
| Total risk-based capital ratio | 19.3614% | 2,065 |
| Memoranda: | ||
| Average total assets | $60,788,400 | 5,528 |
| Average earning assets | $57,154,200 | 5,482 |
| Average equity | $6,471,600 | 5,533 |
| Average total loans | $49,890,000 | 4,820 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6663% | 1,388 |
| Cost of funding earning assets | 0.8700% | 486 |
| Net interest margin | 3.7963% | 2,634 |
| Noninterest income to average assets | 0.2591% | 5,365 |
| Noninterest expense to average assets | 3.1638% | 2,281 |
| Loan and lease loss provision to assets | 0.2028% | 1,164 |
| Net operating income to assets | 0.3290% | 5,498 |
| Return on assets (ROA) | 0.3290% | 5,564 |
| Pretax return on assets | 0.4619% | 5,428 |
| Return on Equity (ROE) | 3.0222% | 5,531 |
| Retained earnings to average equity (ytd only) | 3.0222% | 4,466 |
| Net charge-offs to loans | 0.0486% | 3,529 |
| Credit loss provision to net charge-offs | 500.0000% | 567 |
| Earnings coverage of net charge-offs (x) | 16.3883% | 1,978 |
| Efficiency ratio | 82.6368% | 1,531 |
| Assets per employee ($millions) | 3.3297% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8332% | 5,782 |
| Loan loss allowance to noncurrent loans | 78.4133% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 0.9043% | 3,181 |
| Noncurrent loans to loans | 1.0625% | 2,953 |
| Net loans and leases to total assets | 84.4012% | 313 |
| Net loans and leases to deposits | 114.0818% | 151 |
| Net loans and leases to core deposits | 120.4519% | 388 |
| Total domestic deposits to total assets | 73.9830% | 6,018 |
| Equity capital to assets | 10.8786% | 3,087 |
| Core capital (leverage) ratio | 10.8786% | 2,600 |
| Tier 1 risk-based capital ratio | 17.1313% | 2,558 |
| Total risk-based capital ratio | 18.2480% | 2,577 |
| Memoranda: | ||
| Average total assets | $59,167,250 | 5,632 |
| Average earning assets | $55,631,250 | 5,594 |
| Average equity | $6,441,000 | 5,596 |
| Average total loans | $49,420,250 | 4,882 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6533% | 1,389 |
| Cost of funding earning assets | 0.8628% | 524 |
| Net interest margin | 3.7905% | 2,600 |
| Noninterest income to average assets | 0.2648% | 5,310 |
| Noninterest expense to average assets | 3.1776% | 2,258 |
| Loan and lease loss provision to assets | 0.2037% | 1,179 |
| Net operating income to assets | 0.3191% | 5,498 |
| Return on assets (ROA) | 0.3191% | 5,579 |
| Pretax return on assets | 0.4481% | 5,428 |
| Return on Equity (ROE) | 2.9308% | 5,552 |
| Retained earnings to average equity (ytd only) | 2.9308% | 4,338 |
| Net charge-offs to loans | 0.0777% | 2,914 |
| Credit loss provision to net charge-offs | 315.7895% | 821 |
| Earnings coverage of net charge-offs (x) | 10.1053% | 2,280 |
| Efficiency ratio | 82.9787% | 1,634 |
| Assets per employee ($millions) | 3.5308% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 6,001 |
| Loan loss allowance to noncurrent loans | 72.6937% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 0.9030% | 3,287 |
| Noncurrent loans to loans | 1.0875% | 3,055 |
| Net loans and leases to total assets | 82.3751% | 436 |
| Net loans and leases to deposits | 111.1051% | 182 |
| Net loans and leases to core deposits | 117.2826% | 449 |
| Total domestic deposits to total assets | 74.1416% | 6,098 |
| Equity capital to assets | 10.7759% | 3,119 |
| Core capital (leverage) ratio | 10.7759% | 2,647 |
| Tier 1 risk-based capital ratio | 17.3866% | 2,465 |
| Total risk-based capital ratio | 18.4457% | 2,499 |
| Memoranda: | ||
| Average total assets | $58,911,670 | 5,691 |
| Average earning assets | $55,401,000 | 5,643 |
| Average equity | $6,414,670 | 5,629 |
| Average total loans | $48,890,330 | 4,934 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 1,413 |
| Cost of funding earning assets | 0.8526% | 578 |
| Net interest margin | 3.7821% | 2,544 |
| Noninterest income to average assets | 0.1714% | 5,945 |
| Noninterest expense to average assets | 3.2696% | 2,019 |
| Loan and lease loss provision to assets | 0.2056% | 1,126 |
| Net operating income to assets | 0.1919% | 5,821 |
| Return on assets (ROA) | 0.1919% | 5,866 |
| Pretax return on assets | 0.2536% | 5,816 |
| Return on Equity (ROE) | 1.7533% | 5,853 |
| Retained earnings to average equity (ytd only) | 1.7533% | 4,907 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6838% | 1,259 |
| Assets per employee ($millions) | 3.6905% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7920% | 6,122 |
| Loan loss allowance to noncurrent loans | 37.8833% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 1.7122% | 2,062 |
| Noncurrent loans to loans | 2.0906% | 1,769 |
| Net loans and leases to total assets | 81.2508% | 428 |
| Net loans and leases to deposits | 110.0062% | 152 |
| Net loans and leases to core deposits | 116.2515% | 405 |
| Total domestic deposits to total assets | 73.8602% | 6,253 |
| Equity capital to assets | 10.8420% | 2,891 |
| Core capital (leverage) ratio | 10.8420% | 2,550 |
| Tier 1 risk-based capital ratio | 18.2108% | 2,202 |
| Total risk-based capital ratio | 19.3002% | 2,253 |
| Memoranda: | ||
| Average total assets | $58,356,000 | 5,756 |
| Average earning assets | $54,890,500 | 5,708 |
| Average equity | $6,388,000 | 5,668 |
| Average total loans | $48,416,500 | 4,990 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5861% | 1,914 |
| Cost of funding earning assets | 0.8669% | 876 |
| Net interest margin | 3.7192% | 2,980 |
| Noninterest income to average assets | 0.2214% | 5,753 |
| Noninterest expense to average assets | 2.9508% | 3,197 |
| Loan and lease loss provision to assets | 0.2646% | 1,338 |
| Net operating income to assets | 0.3615% | 5,290 |
| Return on assets (ROA) | 0.3615% | 5,404 |
| Pretax return on assets | 0.5085% | 5,183 |
| Return on Equity (ROE) | 3.3307% | 5,391 |
| Retained earnings to average equity (ytd only) | 3.3307% | 3,866 |
| Net charge-offs to loans | 0.2346% | 2,575 |
| Credit loss provision to net charge-offs | 140.3670% | 1,661 |
| Earnings coverage of net charge-offs (x) | 4.1009% | 3,672 |
| Efficiency ratio | 79.2383% | 2,277 |
| Assets per employee ($millions) | 3.8443% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7282% | 6,310 |
| Loan loss allowance to noncurrent loans | 40.3890% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 1.5157% | 2,448 |
| Noncurrent loans to loans | 1.8031% | 2,231 |
| Net loans and leases to total assets | 83.4489% | 293 |
| Net loans and leases to deposits | 114.0636% | 117 |
| Net loans and leases to core deposits | 119.5676% | 339 |
| Total domestic deposits to total assets | 73.1600% | 6,341 |
| Equity capital to assets | 11.0537% | 2,566 |
| Core capital (leverage) ratio | 11.0537% | 2,337 |
| Tier 1 risk-based capital ratio | 18.4802% | 2,089 |
| Total risk-based capital ratio | 19.5036% | 2,126 |
| Memoranda: | ||
| Average total assets | $57,815,800 | 5,811 |
| Average earning assets | $54,446,800 | 5,750 |
| Average equity | $6,275,000 | 5,748 |
| Average total loans | $46,458,800 | 5,094 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 2,039 |
| Cost of funding earning assets | 0.8659% | 967 |
| Net interest margin | 3.6837% | 3,089 |
| Noninterest income to average assets | 0.2143% | 5,897 |
| Noninterest expense to average assets | 2.9545% | 3,130 |
| Loan and lease loss provision to assets | 0.2305% | 1,572 |
| Net operating income to assets | 0.3549% | 5,420 |
| Return on assets (ROA) | 0.3549% | 5,551 |
| Pretax return on assets | 0.5001% | 5,355 |
| Return on Equity (ROE) | 3.2851% | 5,504 |
| Retained earnings to average equity (ytd only) | 3.2851% | 4,339 |
| Net charge-offs to loans | 0.3162% | 1,959 |
| Credit loss provision to net charge-offs | 91.7431% | 2,590 |
| Earnings coverage of net charge-offs (x) | 2.9083% | 3,866 |
| Efficiency ratio | 80.1751% | 2,067 |
| Assets per employee ($millions) | 3.9013% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6404% | 6,513 |
| Loan loss allowance to noncurrent loans | 191.0828% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 5,643 |
| Noncurrent loans to loans | 0.3351% | 5,385 |
| Net loans and leases to total assets | 79.5451% | 600 |
| Net loans and leases to deposits | 108.0575% | 188 |
| Net loans and leases to core deposits | 113.1836% | 473 |
| Total domestic deposits to total assets | 73.6137% | 6,394 |
| Equity capital to assets | 10.7982% | 2,954 |
| Core capital (leverage) ratio | 10.7982% | 2,671 |
| Tier 1 risk-based capital ratio | 19.9526% | 1,748 |
| Total risk-based capital ratio | 20.8999% | 1,787 |
| Memoranda: | ||
| Average total assets | $57,853,750 | 5,875 |
| Average earning assets | $54,508,750 | 5,812 |
| Average equity | $6,250,250 | 5,825 |
| Average total loans | $45,955,250 | 5,163 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5127% | 2,156 |
| Cost of funding earning assets | 0.8657% | 1,054 |
| Net interest margin | 3.6470% | 3,189 |
| Noninterest income to average assets | 0.2325% | 5,782 |
| Noninterest expense to average assets | 2.8873% | 3,369 |
| Loan and lease loss provision to assets | 0.1562% | 2,363 |
| Net operating income to assets | 0.4477% | 5,023 |
| Return on assets (ROA) | 0.4477% | 5,193 |
| Pretax return on assets | 0.6247% | 4,931 |
| Return on Equity (ROE) | 4.1430% | 5,155 |
| Retained earnings to average equity (ytd only) | 4.1430% | 3,648 |
| Net charge-offs to loans | -0.0044% | 5,616 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7133% | 2,344 |
| Assets per employee ($millions) | 4.2372% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7570% | 6,422 |
| Loan loss allowance to noncurrent loans | 211.9760% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 5,641 |
| Noncurrent loans to loans | 0.3571% | 5,387 |
| Net loans and leases to total assets | 78.2354% | 717 |
| Net loans and leases to deposits | 105.7272% | 229 |
| Net loans and leases to core deposits | 110.6396% | 538 |
| Total domestic deposits to total assets | 73.9974% | 6,446 |
| Equity capital to assets | 10.6101% | 3,162 |
| Core capital (leverage) ratio | 10.6101% | 2,756 |
| Tier 1 risk-based capital ratio | 18.5085% | 2,138 |
| Total risk-based capital ratio | 19.5495% | 2,177 |
| Memoranda: | ||
| Average total assets | $57,632,000 | 5,929 |
| Average earning assets | $54,290,670 | 5,854 |
| Average equity | $6,227,330 | 5,871 |
| Average total loans | $45,657,330 | 5,203 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4322% | 2,416 |
| Cost of funding earning assets | 0.8760% | 1,108 |
| Net interest margin | 3.5562% | 3,451 |
| Noninterest income to average assets | 0.1831% | 6,166 |
| Noninterest expense to average assets | 2.8950% | 3,363 |
| Loan and lease loss provision to assets | 0.1057% | 2,923 |
| Net operating income to assets | 0.3733% | 5,243 |
| Return on assets (ROA) | 0.3733% | 5,378 |
| Pretax return on assets | 0.5283% | 5,179 |
| Return on Equity (ROE) | 3.4227% | 5,379 |
| Retained earnings to average equity (ytd only) | 3.4227% | 4,198 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0359% | 2,032 |
| Assets per employee ($millions) | 4.0920% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7043% | 6,594 |
| Loan loss allowance to noncurrent loans | 37.9836% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 1.4890% | 3,028 |
| Noncurrent loans to loans | 1.8541% | 2,794 |
| Net loans and leases to total assets | 79.7392% | 448 |
| Net loans and leases to deposits | 108.8706% | 142 |
| Net loans and leases to core deposits | 114.1711% | 382 |
| Total domestic deposits to total assets | 73.2422% | 6,584 |
| Equity capital to assets | 10.8627% | 3,123 |
| Core capital (leverage) ratio | 10.8549% | 2,395 |
| Tier 1 risk-based capital ratio | 18.7878% | 2,098 |
| Total risk-based capital ratio | 19.7667% | 2,157 |
| Memoranda: | ||
| Average total assets | $56,787,500 | 6,004 |
| Average earning assets | $53,427,500 | 5,925 |
| Average equity | $6,194,000 | 5,943 |
| Average total loans | $45,104,000 | 5,247 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7423% | 2,421 |
| Cost of funding earning assets | 0.9985% | 1,370 |
| Net interest margin | 3.7438% | 3,469 |
| Noninterest income to average assets | 0.1564% | 6,257 |
| Noninterest expense to average assets | 2.9114% | 3,590 |
| Loan and lease loss provision to assets | 0.2650% | 2,524 |
| Net operating income to assets | 0.3688% | 5,224 |
| Return on assets (ROA) | 0.3662% | 5,463 |
| Pretax return on assets | 0.5300% | 5,197 |
| Return on Equity (ROE) | 3.2623% | 5,445 |
| Retained earnings to average equity (ytd only) | 3.2623% | 3,930 |
| Net charge-offs to loans | -0.0023% | 6,334 |
| Credit loss provision to net charge-offs | -14,400.0000% | 6,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4722% | 2,365 |
| Assets per employee ($millions) | 4.0205% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 6,640 |
| Loan loss allowance to noncurrent loans | 71.4617% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 0.7657% | 4,552 |
| Noncurrent loans to loans | 0.9750% | 4,242 |
| Net loans and leases to total assets | 77.9843% | 679 |
| Net loans and leases to deposits | 107.3936% | 197 |
| Net loans and leases to core deposits | 112.7652% | 443 |
| Total domestic deposits to total assets | 72.6153% | 6,652 |
| Equity capital to assets | 10.9528% | 3,010 |
| Core capital (leverage) ratio | 10.9449% | 2,304 |
| Tier 1 risk-based capital ratio | 19.5723% | 1,796 |
| Total risk-based capital ratio | 20.5509% | 1,844 |
| Memoranda: | ||
| Average total assets | $54,337,200 | 6,071 |
| Average earning assets | $51,578,600 | 5,994 |
| Average equity | $6,100,000 | 5,996 |
| Average total loans | $43,224,400 | 5,364 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7211% | 2,710 |
| Cost of funding earning assets | 1.0098% | 1,499 |
| Net interest margin | 3.7113% | 3,744 |
| Noninterest income to average assets | 0.1461% | 6,413 |
| Noninterest expense to average assets | 3.0281% | 3,139 |
| Loan and lease loss provision to assets | 0.2674% | 2,438 |
| Net operating income to assets | 0.2559% | 5,766 |
| Return on assets (ROA) | 0.2526% | 5,967 |
| Pretax return on assets | 0.3764% | 5,771 |
| Return on Equity (ROE) | 2.2355% | 5,963 |
| Retained earnings to average equity (ytd only) | 2.2355% | 5,221 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3569% | 1,771 |
| Assets per employee ($millions) | 4.0117% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6187% | 6,841 |
| Loan loss allowance to noncurrent loans | 62.8176% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 1.2606% | 3,779 |
| Noncurrent loans to loans | 0.9849% | 4,474 |
| Net loans and leases to total assets | 77.7954% | 758 |
| Net loans and leases to deposits | 106.8994% | 220 |
| Net loans and leases to core deposits | 112.2377% | 489 |
| Total domestic deposits to total assets | 72.7744% | 6,695 |
| Equity capital to assets | 10.8130% | 3,485 |
| Core capital (leverage) ratio | 10.8066% | 2,590 |
| Tier 1 risk-based capital ratio | 19.6211% | 1,847 |
| Total risk-based capital ratio | 20.5005% | 1,907 |
| Memoranda: | ||
| Average total assets | $53,849,750 | 6,161 |
| Average earning assets | $51,230,250 | 6,078 |
| Average equity | $6,083,750 | 6,071 |
| Average total loans | $42,979,750 | 5,445 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7872% | 2,561 |
| Cost of funding earning assets | 1.0230% | 1,628 |
| Net interest margin | 3.7642% | 3,518 |
| Noninterest income to average assets | 0.0904% | 6,715 |
| Noninterest expense to average assets | 3.0596% | 3,050 |
| Loan and lease loss provision to assets | 0.2713% | 2,415 |
| Net operating income to assets | 0.2349% | 5,809 |
| Return on assets (ROA) | 0.2298% | 6,018 |
| Pretax return on assets | 0.3429% | 5,849 |
| Return on Equity (ROE) | 2.0042% | 6,040 |
| Retained earnings to average equity (ytd only) | 2.0042% | 5,199 |
| Net charge-offs to loans | -0.0047% | 6,154 |
| Credit loss provision to net charge-offs | -7,200.0000% | 6,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1116% | 1,736 |
| Assets per employee ($millions) | 4.3318% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5400% | 6,990 |
| Loan loss allowance to noncurrent loans | 74.1325% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.0512% | 4,282 |
| Noncurrent loans to loans | 0.7284% | 5,047 |
| Net loans and leases to total assets | 76.8672% | 857 |
| Net loans and leases to deposits | 105.3007% | 244 |
| Net loans and leases to core deposits | 110.5247% | 558 |
| Total domestic deposits to total assets | 72.9978% | 6,744 |
| Equity capital to assets | 10.7025% | 3,453 |
| Core capital (leverage) ratio | 10.7025% | 2,592 |
| Tier 1 risk-based capital ratio | 21.0661% | 1,468 |
| Total risk-based capital ratio | 21.8875% | 1,526 |
| Memoranda: | ||
| Average total assets | $53,078,330 | 6,226 |
| Average earning assets | $50,634,670 | 6,132 |
| Average equity | $6,087,330 | 6,093 |
| Average total loans | $42,651,330 | 5,484 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8413% | 2,482 |
| Cost of funding earning assets | 1.0386% | 1,752 |
| Net interest margin | 3.8027% | 3,382 |
| Noninterest income to average assets | 0.1632% | 6,406 |
| Noninterest expense to average assets | 3.2025% | 2,584 |
| Loan and lease loss provision to assets | 0.2798% | 2,221 |
| Net operating income to assets | 0.1943% | 6,003 |
| Return on assets (ROA) | 0.1943% | 6,151 |
| Pretax return on assets | 0.2954% | 5,989 |
| Return on Equity (ROE) | 1.6347% | 6,183 |
| Retained earnings to average equity (ytd only) | 1.6347% | 5,421 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7737% | 1,601 |
| Assets per employee ($millions) | 3.7464% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4761% | 7,085 |
| Loan loss allowance to noncurrent loans | 21.4133% | 6,516 |
| Noncurrent assets plus other real estate owned to assets | 2.3051% | 2,577 |
| Noncurrent loans to loans | 2.2232% | 2,898 |
| Net loans and leases to total assets | 79.7174% | 433 |
| Net loans and leases to deposits | 106.3677% | 198 |
| Net loans and leases to core deposits | 111.8928% | 474 |
| Total domestic deposits to total assets | 74.9452% | 6,650 |
| Equity capital to assets | 11.4206% | 2,506 |
| Core capital (leverage) ratio | 11.4189% | 1,947 |
| Tier 1 risk-based capital ratio | 21.1625% | 1,458 |
| Total risk-based capital ratio | 21.8693% | 1,538 |
| Memoranda: | ||
| Average total assets | $51,460,500 | 6,323 |
| Average earning assets | $48,912,000 | 6,243 |
| Average equity | $6,117,500 | 6,117 |
| Average total loans | $42,216,000 | 5,544 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1093% | 2,415 |
| Cost of funding earning assets | 1.3021% | 1,477 |
| Net interest margin | 3.8072% | 3,781 |
| Noninterest income to average assets | 0.1071% | 6,610 |
| Noninterest expense to average assets | 2.8476% | 4,173 |
| Loan and lease loss provision to assets | 0.1558% | 4,682 |
| Net operating income to assets | 0.4636% | 4,570 |
| Return on assets (ROA) | 0.4636% | 4,772 |
| Pretax return on assets | 0.6973% | 4,328 |
| Return on Equity (ROE) | 3.9010% | 4,901 |
| Retained earnings to average equity (ytd only) | 3.9010% | 3,438 |
| Net charge-offs to loans | 0.3849% | 3,487 |
| Credit loss provision to net charge-offs | 48.1928% | 5,465 |
| Earnings coverage of net charge-offs (x) | 2.6386% | 3,896 |
| Efficiency ratio | 76.9474% | 2,749 |
| Assets per employee ($millions) | 3.8825% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3842% | 7,174 |
| Loan loss allowance to noncurrent loans | 2,716.6667% | 179 |
| Noncurrent assets plus other real estate owned to assets | 1.2700% | 4,101 |
| Noncurrent loans to loans | 0.0141% | 6,805 |
| Net loans and leases to total assets | 83.7256% | 221 |
| Net loans and leases to deposits | 113.6151% | 123 |
| Net loans and leases to core deposits | 114.4211% | 486 |
| Total domestic deposits to total assets | 73.6923% | 6,751 |
| Equity capital to assets | 12.3732% | 1,871 |
| Core capital (leverage) ratio | 12.4148% | 1,384 |
| Tier 1 risk-based capital ratio | 23.5243% | 1,023 |
| Total risk-based capital ratio | 24.1360% | 1,093 |
| Memoranda: | ||
| Average total assets | $51,340,800 | 6,327 |
| Average earning assets | $48,460,800 | 6,244 |
| Average equity | $6,101,000 | 6,125 |
| Average total loans | $43,126,800 | 5,557 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1123% | 2,546 |
| Cost of funding earning assets | 1.3479% | 1,461 |
| Net interest margin | 3.7644% | 4,040 |
| Noninterest income to average assets | 0.2017% | 6,158 |
| Noninterest expense to average assets | 2.8472% | 4,152 |
| Loan and lease loss provision to assets | 0.1164% | 4,977 |
| Net operating income to assets | 0.5250% | 4,436 |
| Return on assets (ROA) | 0.5250% | 4,613 |
| Pretax return on assets | 0.7913% | 4,164 |
| Return on Equity (ROE) | 4.4627% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.4627% | 3,545 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8264% | 2,866 |
| Assets per employee ($millions) | 3.9789% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6718% | 7,004 |
| Loan loss allowance to noncurrent loans | 27.9734% | 6,358 |
| Noncurrent assets plus other real estate owned to assets | 2.2755% | 2,813 |
| Noncurrent loans to loans | 2.4017% | 2,886 |
| Net loans and leases to total assets | 84.0312% | 222 |
| Net loans and leases to deposits | 113.2074% | 144 |
| Net loans and leases to core deposits | 113.9853% | 552 |
| Total domestic deposits to total assets | 74.2277% | 6,730 |
| Equity capital to assets | 12.0172% | 2,239 |
| Core capital (leverage) ratio | 12.0495% | 1,676 |
| Tier 1 risk-based capital ratio | 22.9211% | 1,160 |
| Total risk-based capital ratio | 24.0019% | 1,157 |
| Memoranda: | ||
| Average total assets | $51,558,000 | 6,375 |
| Average earning assets | $48,665,500 | 6,293 |
| Average equity | $6,065,000 | 6,182 |
| Average total loans | $43,303,250 | 5,593 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1285% | 2,553 |
| Cost of funding earning assets | 1.3957% | 1,442 |
| Net interest margin | 3.7328% | 4,105 |
| Noninterest income to average assets | 0.1825% | 6,350 |
| Noninterest expense to average assets | 2.8814% | 4,097 |
| Loan and lease loss provision to assets | 0.0971% | 5,111 |
| Net operating income to assets | 0.4738% | 4,625 |
| Return on assets (ROA) | 0.4738% | 4,765 |
| Pretax return on assets | 0.7145% | 4,337 |
| Return on Equity (ROE) | 4.0567% | 4,918 |
| Retained earnings to average equity (ytd only) | 4.0567% | 3,622 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0231% | 2,708 |
| Assets per employee ($millions) | 3.9722% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6218% | 7,118 |
| Loan loss allowance to noncurrent loans | 33.7871% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 1.8087% | 3,496 |
| Noncurrent loans to loans | 1.8402% | 3,696 |
| Net loans and leases to total assets | 84.5001% | 213 |
| Net loans and leases to deposits | 113.6417% | 131 |
| Net loans and leases to core deposits | 114.4224% | 566 |
| Total domestic deposits to total assets | 74.3566% | 6,800 |
| Equity capital to assets | 11.9270% | 2,145 |
| Core capital (leverage) ratio | 11.9185% | 1,649 |
| Tier 1 risk-based capital ratio | 22.7665% | 1,155 |
| Total risk-based capital ratio | 23.7838% | 1,163 |
| Memoranda: | ||
| Average total assets | $51,502,000 | 6,431 |
| Average earning assets | $48,435,330 | 6,356 |
| Average equity | $6,014,670 | 6,228 |
| Average total loans | $43,151,000 | 5,657 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1296% | 2,514 |
| Cost of funding earning assets | 1.4240% | 1,497 |
| Net interest margin | 3.7057% | 4,072 |
| Noninterest income to average assets | 0.1400% | 6,712 |
| Noninterest expense to average assets | 2.8542% | 4,249 |
| Loan and lease loss provision to assets | 0.0778% | 5,029 |
| Net operating income to assets | 0.4433% | 4,753 |
| Return on assets (ROA) | 0.4433% | 4,834 |
| Pretax return on assets | 0.6688% | 4,424 |
| Return on Equity (ROE) | 3.8368% | 4,986 |
| Retained earnings to average equity (ytd only) | 3.8368% | 3,872 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2657% | 2,653 |
| Assets per employee ($millions) | 4.3093% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6020% | 7,200 |
| Loan loss allowance to noncurrent loans | 34.2629% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 1.6979% | 3,709 |
| Noncurrent loans to loans | 1.7570% | 3,879 |
| Net loans and leases to total assets | 82.3790% | 315 |
| Net loans and leases to deposits | 110.5348% | 174 |
| Net loans and leases to core deposits | 111.2856% | 678 |
| Total domestic deposits to total assets | 74.5277% | 6,853 |
| Equity capital to assets | 11.7847% | 2,053 |
| Core capital (leverage) ratio | 11.7796% | 1,689 |
| Tier 1 risk-based capital ratio | 22.9226% | 1,095 |
| Total risk-based capital ratio | 23.8973% | 1,106 |
| Memoranda: | ||
| Average total assets | $51,433,500 | 6,478 |
| Average earning assets | $48,034,500 | 6,410 |
| Average equity | $5,942,500 | 6,268 |
| Average total loans | $42,772,500 | 5,714 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4636% | 2,420 |
| Cost of funding earning assets | 1.7001% | 1,598 |
| Net interest margin | 3.7636% | 4,091 |
| Noninterest income to average assets | 0.1876% | 6,416 |
| Noninterest expense to average assets | 2.8141% | 4,543 |
| Loan and lease loss provision to assets | 0.0699% | 6,444 |
| Net operating income to assets | 0.5866% | 3,729 |
| Return on assets (ROA) | 0.4650% | 4,413 |
| Pretax return on assets | 0.6646% | 4,111 |
| Return on Equity (ROE) | 4.0012% | 4,525 |
| Retained earnings to average equity (ytd only) | 4.0012% | 3,064 |
| Net charge-offs to loans | -0.0048% | 7,261 |
| Credit loss provision to net charge-offs | -1,750.0000% | 7,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6032% | 3,109 |
| Assets per employee ($millions) | 3.9351% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5810% | 7,284 |
| Loan loss allowance to noncurrent loans | 32.8912% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 1.7183% | 3,727 |
| Noncurrent loans to loans | 1.7663% | 3,862 |
| Net loans and leases to total assets | 82.9619% | 388 |
| Net loans and leases to deposits | 111.3034% | 210 |
| Net loans and leases to core deposits | 112.0646% | 809 |
| Total domestic deposits to total assets | 74.5367% | 6,824 |
| Equity capital to assets | 11.3203% | 2,396 |
| Core capital (leverage) ratio | 11.3168% | 1,946 |
| Tier 1 risk-based capital ratio | 21.9746% | 1,178 |
| Total risk-based capital ratio | 22.9198% | 1,200 |
| Memoranda: | ||
| Average total assets | $50,105,400 | 6,533 |
| Average earning assets | $47,056,600 | 6,476 |
| Average equity | $5,823,200 | 6,423 |
| Average total loans | $41,742,000 | 5,848 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4802% | 2,521 |
| Cost of funding earning assets | 1.7202% | 1,771 |
| Net interest margin | 3.7601% | 4,139 |
| Noninterest income to average assets | 0.1658% | 6,682 |
| Noninterest expense to average assets | 2.8221% | 4,391 |
| Loan and lease loss provision to assets | 0.0535% | 6,539 |
| Net operating income to assets | 0.5627% | 4,040 |
| Return on assets (ROA) | 0.5484% | 4,266 |
| Pretax return on assets | 0.8239% | 3,822 |
| Return on Equity (ROE) | 4.6873% | 4,457 |
| Retained earnings to average equity (ytd only) | 4.6873% | 3,205 |
| Net charge-offs to loans | -0.0064% | 7,228 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8447% | 2,982 |
| Assets per employee ($millions) | 3.9738% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5449% | 7,415 |
| Loan loss allowance to noncurrent loans | 59.1371% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.0066% | 5,075 |
| Noncurrent loans to loans | 0.9215% | 5,397 |
| Net loans and leases to total assets | 82.3151% | 460 |
| Net loans and leases to deposits | 112.7210% | 208 |
| Net loans and leases to core deposits | 113.4942% | 863 |
| Total domestic deposits to total assets | 73.0256% | 7,028 |
| Equity capital to assets | 11.0763% | 2,882 |
| Core capital (leverage) ratio | 11.1384% | 2,169 |
| Tier 1 risk-based capital ratio | 21.0648% | 1,349 |
| Total risk-based capital ratio | 21.9167% | 1,396 |
| Memoranda: | ||
| Average total assets | $49,842,750 | 6,622 |
| Average earning assets | $47,125,750 | 6,554 |
| Average equity | $5,831,250 | 6,505 |
| Average total loans | $41,505,500 | 5,945 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4662% | 2,677 |
| Cost of funding earning assets | 1.7063% | 2,087 |
| Net interest margin | 3.7599% | 4,091 |
| Noninterest income to average assets | 0.1869% | 6,565 |
| Noninterest expense to average assets | 2.8799% | 4,152 |
| Loan and lease loss provision to assets | 0.0203% | 6,727 |
| Net operating income to assets | 0.5646% | 4,019 |
| Return on assets (ROA) | 0.5646% | 4,168 |
| Pretax return on assets | 0.8490% | 3,709 |
| Return on Equity (ROE) | 4.7378% | 4,418 |
| Retained earnings to average equity (ytd only) | 4.7378% | 3,056 |
| Net charge-offs to loans | -0.0049% | 7,109 |
| Credit loss provision to net charge-offs | -500.0000% | 6,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8147% | 2,933 |
| Assets per employee ($millions) | 4.0232% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5133% | 7,491 |
| Loan loss allowance to noncurrent loans | 43.6000% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 0.9560% | 5,222 |
| Noncurrent loans to loans | 1.1773% | 4,990 |
| Net loans and leases to total assets | 80.7881% | 693 |
| Net loans and leases to deposits | 110.3384% | 265 |
| Net loans and leases to core deposits | 111.0810% | 1,093 |
| Total domestic deposits to total assets | 73.2185% | 7,070 |
| Equity capital to assets | 11.3114% | 2,588 |
| Core capital (leverage) ratio | 11.3114% | 2,030 |
| Tier 1 risk-based capital ratio | 21.6592% | 1,248 |
| Total risk-based capital ratio | 22.4573% | 1,284 |
| Memoranda: | ||
| Average total assets | $49,237,000 | 6,682 |
| Average earning assets | $46,650,000 | 6,605 |
| Average equity | $5,867,670 | 6,505 |
| Average total loans | $41,088,330 | 6,008 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5243% | 2,477 |
| Cost of funding earning assets | 1.7795% | 1,971 |
| Net interest margin | 3.7448% | 4,031 |
| Noninterest income to average assets | 0.2012% | 6,526 |
| Noninterest expense to average assets | 2.9515% | 3,851 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5282% | 4,245 |
| Return on assets (ROA) | 0.5282% | 4,384 |
| Pretax return on assets | 0.7966% | 3,879 |
| Return on Equity (ROE) | 4.3125% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.3125% | 3,562 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7472% | 2,768 |
| Assets per employee ($millions) | 3.9538% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5207% | 7,572 |
| Loan loss allowance to noncurrent loans | 42.3154% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0560% | 5,031 |
| Noncurrent loans to loans | 1.2304% | 4,919 |
| Net loans and leases to total assets | 85.3725% | 261 |
| Net loans and leases to deposits | 107.9299% | 347 |
| Net loans and leases to core deposits | 108.6653% | 1,369 |
| Total domestic deposits to total assets | 79.1000% | 6,052 |
| Equity capital to assets | 12.3511% | 1,842 |
| Core capital (leverage) ratio | 12.3511% | 1,471 |
| Tier 1 risk-based capital ratio | 22.2788% | 1,164 |
| Total risk-based capital ratio | 23.0848% | 1,210 |
| Memoranda: | ||
| Average total assets | $47,705,000 | 6,816 |
| Average earning assets | $45,182,500 | 6,735 |
| Average equity | $5,843,500 | 6,572 |
| Average total loans | $40,397,000 | 6,105 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5282% | 4,000 |
| Cost of funding earning assets | 2.2869% | 1,706 |
| Net interest margin | 3.2412% | 5,956 |
| Noninterest income to average assets | 0.2056% | 6,639 |
| Noninterest expense to average assets | 2.8389% | 4,796 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.2946% | 4,553 |
| Return on assets (ROA) | 0.2946% | 4,634 |
| Pretax return on assets | 0.4385% | 4,378 |
| Return on Equity (ROE) | 2.2303% | 4,817 |
| Retained earnings to average equity (ytd only) | 2.2303% | 3,555 |
| Net charge-offs to loans | 0.0113% | 7,073 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 535 |
| Efficiency ratio | 86.6202% | 2,044 |
| Assets per employee ($millions) | 4.3605% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5290% | 7,644 |
| Loan loss allowance to noncurrent loans | 45.1064% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 0.9799% | 5,154 |
| Noncurrent loans to loans | 1.1727% | 4,983 |
| Net loans and leases to total assets | 83.1127% | 532 |
| Net loans and leases to deposits | 109.1205% | 411 |
| Net loans and leases to core deposits | 128.8836% | 1,339 |
| Total domestic deposits to total assets | 76.1660% | 6,645 |
| Equity capital to assets | 12.1484% | 1,939 |
| Core capital (leverage) ratio | 13.0332% | 1,242 |
| Tier 1 risk-based capital ratio | 23.6119% | 982 |
| Total risk-based capital ratio | 24.4046% | 1,009 |
| Memoranda: | ||
| Average total assets | $43,784,400 | 6,951 |
| Average earning assets | $41,496,600 | 6,887 |
| Average equity | $5,784,000 | 6,680 |
| Average total loans | $35,531,200 | 6,332 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5016% | 4,412 |
| Cost of funding earning assets | 2.3489% | 1,811 |
| Net interest margin | 3.1527% | 6,166 |
| Noninterest income to average assets | 0.2215% | 6,641 |
| Noninterest expense to average assets | 2.8576% | 4,629 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2371% | 5,031 |
| Return on assets (ROA) | 0.2371% | 5,111 |
| Pretax return on assets | 0.3494% | 4,934 |
| Return on Equity (ROE) | 1.7552% | 5,248 |
| Retained earnings to average equity (ytd only) | 1.7552% | 4,330 |
| Net charge-offs to loans | 0.0155% | 6,701 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 28.0169% | 977 |
| Efficiency ratio | 89.1051% | 1,775 |
| Assets per employee ($millions) | 3.9198% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5460% | 7,647 |
| Loan loss allowance to noncurrent loans | 184.3478% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 6,909 |
| Noncurrent loans to loans | 0.2962% | 6,767 |
| Net loans and leases to total assets | 82.0907% | 795 |
| Net loans and leases to deposits | 108.2021% | 549 |
| Net loans and leases to core deposits | 128.1036% | 1,574 |
| Total domestic deposits to total assets | 75.8679% | 6,608 |
| Equity capital to assets | 12.3180% | 2,055 |
| Core capital (leverage) ratio | 13.2019% | 1,322 |
| Tier 1 risk-based capital ratio | 24.3640% | 966 |
| Total risk-based capital ratio | 25.1874% | 984 |
| Memoranda: | ||
| Average total assets | $42,739,250 | 7,051 |
| Average earning assets | $40,472,000 | 6,980 |
| Average equity | $5,773,250 | 6,747 |
| Average total loans | $34,394,750 | 6,431 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5341% | 4,420 |
| Cost of funding earning assets | 2.4083% | 1,937 |
| Net interest margin | 3.1257% | 6,166 |
| Noninterest income to average assets | 0.2276% | 6,656 |
| Noninterest expense to average assets | 2.9051% | 4,484 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1888% | 5,307 |
| Return on assets (ROA) | 0.1888% | 5,384 |
| Pretax return on assets | 0.2760% | 5,258 |
| Return on Equity (ROE) | 1.3527% | 5,519 |
| Retained earnings to average equity (ytd only) | 1.3527% | 4,585 |
| Net charge-offs to loans | 0.0243% | 6,148 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 14.2500% | 1,671 |
| Efficiency ratio | 91.3242% | 1,693 |
| Assets per employee ($millions) | 3.7348% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6231% | 7,589 |
| Loan loss allowance to noncurrent loans | 203.8462% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 6,918 |
| Noncurrent loans to loans | 0.3056% | 6,751 |
| Net loans and leases to total assets | 75.4490% | 2,331 |
| Net loans and leases to deposits | 100.8500% | 1,192 |
| Net loans and leases to core deposits | 118.4212% | 2,508 |
| Total domestic deposits to total assets | 74.8131% | 6,796 |
| Equity capital to assets | 12.8478% | 1,766 |
| Core capital (leverage) ratio | 13.7694% | 1,200 |
| Tier 1 risk-based capital ratio | 25.9734% | 866 |
| Total risk-based capital ratio | 26.8563% | 870 |
| Memoranda: | ||
| Average total assets | $41,306,670 | 7,156 |
| Average earning assets | $39,031,000 | 7,090 |
| Average equity | $5,766,330 | 6,805 |
| Average total loans | $32,918,000 | 6,559 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7383% | 3,598 |
| Cost of funding earning assets | 2.5373% | 1,778 |
| Net interest margin | 3.2010% | 5,852 |
| Noninterest income to average assets | 0.2225% | 6,691 |
| Noninterest expense to average assets | 3.0340% | 3,612 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1416% | 5,854 |
| Return on assets (ROA) | 0.1416% | 6,022 |
| Pretax return on assets | 0.2124% | 5,907 |
| Return on Equity (ROE) | 0.9705% | 6,131 |
| Retained earnings to average equity (ytd only) | 0.9705% | 5,257 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4579% | 1,465 |
| Assets per employee ($millions) | 3.3723% | 5,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6825% | 7,497 |
| Loan loss allowance to noncurrent loans | 207.6923% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 6,736 |
| Noncurrent loans to loans | 0.3286% | 6,610 |
| Net loans and leases to total assets | 77.6732% | 1,900 |
| Net loans and leases to deposits | 97.6422% | 1,711 |
| Net loans and leases to core deposits | 115.4315% | 2,855 |
| Total domestic deposits to total assets | 79.5488% | 5,526 |
| Equity capital to assets | 14.2116% | 1,302 |
| Core capital (leverage) ratio | 15.0959% | 946 |
| Tier 1 risk-based capital ratio | 28.4817% | 718 |
| Total risk-based capital ratio | 29.4716% | 723 |
| Memoranda: | ||
| Average total assets | $39,551,500 | 7,274 |
| Average earning assets | $37,363,000 | 7,202 |
| Average equity | $5,770,500 | 6,850 |
| Average total loans | $32,364,000 | 6,622 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0024% | 5,534 |
| Cost of funding earning assets | 2.8053% | 2,683 |
| Net interest margin | 3.1971% | 6,375 |
| Noninterest income to average assets | 0.2715% | 6,508 |
| Noninterest expense to average assets | 3.0075% | 4,057 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2045% | 5,835 |
| Return on assets (ROA) | 0.1989% | 5,667 |
| Pretax return on assets | 0.2822% | 5,544 |
| Return on Equity (ROE) | 1.1947% | 5,858 |
| Retained earnings to average equity (ytd only) | 1.1947% | 4,513 |
| Net charge-offs to loans | 0.0163% | 6,648 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 21.6000% | 1,524 |
| Efficiency ratio | 91.1980% | 1,432 |
| Assets per employee ($millions) | 3.5124% | 4,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6530% | 7,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 85.0606% | 729 |
| Net loans and leases to deposits | 108.4728% | 943 |
| Net loans and leases to core deposits | 128.6162% | 1,954 |
| Total domestic deposits to total assets | 78.4165% | 5,576 |
| Equity capital to assets | 14.9860% | 1,165 |
| Core capital (leverage) ratio | 15.7778% | 869 |
| Tier 1 risk-based capital ratio | 28.1980% | 755 |
| Total risk-based capital ratio | 29.1817% | 746 |
| Memoranda: | ||
| Average total assets | $37,206,600 | 7,338 |
| Average earning assets | $35,219,000 | 7,275 |
| Average equity | $6,194,000 | 6,742 |
| Average total loans | $30,632,000 | 6,669 |