Home > Peoples Savings Bank > Performance and Condition Ratios
Peoples Savings Bank, Performance and Condition Ratios
| 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 | 5.1812% | 1,704 |
| Cost of funding earning assets | 2.1455% | 704 |
| Net interest margin | 3.0357% | 3,211 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.7546% | 1,618 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 0.4793% | 3,714 |
| Return on assets (ROA) | 0.4949% | 3,681 |
| Pretax return on assets | 0.5937% | 3,641 |
| Return on Equity (ROE) | 6.6800% | 3,369 |
| Retained earnings to average equity (ytd only) | 6.6505% | 2,009 |
| Net charge-offs to loans | -0.0059% | 3,872 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.6379% | 1,101 |
| Assets per employee ($millions) | 5.8299% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.5083% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 3,376 |
| Loan loss allowance to noncurrent loans | 171.1749% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 1,179 |
| Noncurrent loans to loans | 0.5770% | 1,357 |
| Net loans and leases to total assets | 74.2900% | 1,314 |
| Net loans and leases to deposits | 91.8883% | 1,103 |
| Net loans and leases to core deposits | 122.1665% | 564 |
| Total domestic deposits to total assets | 80.8500% | 3,332 |
| Equity capital to assets | 8.0436% | 3,382 |
| Core capital (leverage) ratio | 9.7482% | 3,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $159,008,600 | 3,279 |
| Average earning assets | $151,662,800 | 3,237 |
| Average equity | $11,773,600 | 3,549 |
| Average total loans | $117,649,200 | 2,981 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1679% | 1,513 |
| Cost of funding earning assets | 2.0419% | 657 |
| Net interest margin | 3.1259% | 3,091 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.8184% | 1,394 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.4897% | 3,787 |
| Return on assets (ROA) | 0.5010% | 3,765 |
| Pretax return on assets | 0.6023% | 3,729 |
| Return on Equity (ROE) | 6.9300% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.8802% | 2,334 |
| Net charge-offs to loans | -0.0127% | 4,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.4765% | 973 |
| Assets per employee ($millions) | 5.7402% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.6803% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 3,640 |
| Loan loss allowance to noncurrent loans | 75.5869% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.9277% | 575 |
| Noncurrent loans to loans | 1.2272% | 636 |
| Net loans and leases to total assets | 74.8900% | 1,249 |
| Net loans and leases to deposits | 91.4174% | 1,104 |
| Net loans and leases to core deposits | 135.0795% | 278 |
| Total domestic deposits to total assets | 81.9200% | 3,229 |
| Equity capital to assets | 7.6254% | 3,280 |
| Core capital (leverage) ratio | 9.8453% | 2,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $156,494,250 | 3,314 |
| Average earning assets | $149,071,250 | 3,270 |
| Average equity | $11,317,250 | 3,591 |
| Average total loans | $115,347,500 | 3,007 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1268% | 1,326 |
| Cost of funding earning assets | 1.9560% | 547 |
| Net interest margin | 3.1708% | 3,058 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.7959% | 1,423 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 0.5159% | 3,776 |
| Return on assets (ROA) | 0.5287% | 3,757 |
| Pretax return on assets | 0.6371% | 3,731 |
| Return on Equity (ROE) | 7.4500% | 3,372 |
| Retained earnings to average equity (ytd only) | 7.4516% | 2,146 |
| Net charge-offs to loans | -0.0159% | 4,061 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.3376% | 1,058 |
| Assets per employee ($millions) | 5.5691% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9034% | 3,777 |
| Loan loss allowance to noncurrent loans | 133.2497% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 1,100 |
| Noncurrent loans to loans | 0.6780% | 1,103 |
| Net loans and leases to total assets | 72.1300% | 1,516 |
| Net loans and leases to deposits | 84.6091% | 1,616 |
| Net loans and leases to core deposits | 104.3191% | 1,042 |
| Total domestic deposits to total assets | 85.2500% | 2,476 |
| Equity capital to assets | 6.8698% | 3,863 |
| Core capital (leverage) ratio | 8.9207% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $155,084,000 | 3,344 |
| Average earning assets | $147,851,000 | 3,297 |
| Average equity | $11,004,333 | 3,634 |
| Average total loans | $113,297,000 | 3,027 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1885% | 971 |
| Cost of funding earning assets | 1.8438% | 417 |
| Net interest margin | 3.3447% | 2,765 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.8524% | 1,331 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 0.5911% | 3,706 |
| Return on assets (ROA) | 0.6084% | 3,634 |
| Pretax return on assets | 0.7427% | 3,577 |
| Return on Equity (ROE) | 8.4300% | 3,192 |
| Retained earnings to average equity (ytd only) | 8.4314% | 2,101 |
| Net charge-offs to loans | -0.0144% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.7754% | 1,269 |
| Assets per employee ($millions) | 5.3281% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 3,910 |
| Loan loss allowance to noncurrent loans | 140.3385% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 1,106 |
| Noncurrent loans to loans | 0.6248% | 1,202 |
| Net loans and leases to total assets | 72.8000% | 1,344 |
| Net loans and leases to deposits | 88.0324% | 1,206 |
| Net loans and leases to core deposits | 107.9267% | 758 |
| Total domestic deposits to total assets | 82.6900% | 3,355 |
| Equity capital to assets | 7.2123% | 3,720 |
| Core capital (leverage) ratio | 9.1979% | 3,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $151,873,500 | 3,407 |
| Average earning assets | $144,705,000 | 3,359 |
| Average equity | $10,959,000 | 3,677 |
| Average total loans | $111,170,000 | 3,088 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1434% | 1,362 |
| Cost of funding earning assets | 0.7883% | 406 |
| Net interest margin | 3.3551% | 2,405 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.9446% | 1,057 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.7816% | 3,393 |
| Return on assets (ROA) | 0.7781% | 3,337 |
| Pretax return on assets | 0.9611% | 3,193 |
| Return on Equity (ROE) | 9.6400% | 2,926 |
| Retained earnings to average equity (ytd only) | 9.6441% | 1,262 |
| Net charge-offs to loans | -0.0169% | 4,002 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.2322% | 1,195 |
| Assets per employee ($millions) | 5.1460% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8276% | 3,970 |
| Loan loss allowance to noncurrent loans | 44.6040% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.3536% | 257 |
| Noncurrent loans to loans | 1.8555% | 314 |
| Net loans and leases to total assets | 72.3500% | 1,379 |
| Net loans and leases to deposits | 89.7129% | 1,071 |
| Net loans and leases to core deposits | 104.3876% | 809 |
| Total domestic deposits to total assets | 80.6400% | 3,800 |
| Equity capital to assets | 7.2196% | 3,542 |
| Core capital (leverage) ratio | 9.5420% | 3,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $138,795,000 | 3,544 |
| Average earning assets | $131,799,000 | 3,509 |
| Average equity | $11,198,600 | 3,744 |
| Average total loans | $94,791,400 | 3,222 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0467% | 1,165 |
| Cost of funding earning assets | 0.6437% | 346 |
| Net interest margin | 3.4030% | 1,970 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.9009% | 1,055 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.8077% | 3,231 |
| Return on assets (ROA) | 0.7999% | 3,221 |
| Pretax return on assets | 0.9947% | 3,028 |
| Return on Equity (ROE) | 9.6400% | 2,831 |
| Retained earnings to average equity (ytd only) | 9.6358% | 1,447 |
| Net charge-offs to loans | -0.0161% | 3,901 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.3168% | 1,346 |
| Assets per employee ($millions) | 5.2513% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8565% | 3,974 |
| Loan loss allowance to noncurrent loans | 41.4170% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.4832% | 228 |
| Noncurrent loans to loans | 2.0680% | 290 |
| Net loans and leases to total assets | 71.1100% | 1,384 |
| Net loans and leases to deposits | 86.3148% | 1,148 |
| Net loans and leases to core deposits | 102.0321% | 742 |
| Total domestic deposits to total assets | 82.3800% | 3,772 |
| Equity capital to assets | 7.0727% | 3,472 |
| Core capital (leverage) ratio | 9.8710% | 2,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $136,185,500 | 3,598 |
| Average earning assets | $129,254,000 | 3,558 |
| Average equity | $11,304,750 | 3,779 |
| Average total loans | $91,272,750 | 3,276 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9132% | 1,091 |
| Cost of funding earning assets | 0.5966% | 280 |
| Net interest margin | 3.3166% | 1,865 |
| Noninterest income to average assets | 0.6403% | 1,583 |
| Noninterest expense to average assets | 3.0018% | 834 |
| Loan and lease loss provision to assets | 0.0759% | 1,271 |
| Net operating income to assets | 0.5809% | 3,678 |
| Return on assets (ROA) | 0.5688% | 3,662 |
| Pretax return on assets | 0.7013% | 3,570 |
| Return on Equity (ROE) | 6.5130% | 3,444 |
| Retained earnings to average equity (ytd only) | 6.5130% | 2,170 |
| Net charge-offs to loans | 0.1207% | 512 |
| Credit loss provision to net charge-offs | 96.2264% | 1,319 |
| Earnings coverage of net charge-offs (x) | 10.0377% | 1,767 |
| Efficiency ratio | 79.0816% | 1,013 |
| Assets per employee ($millions) | 5.0886% | 3,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 3,987 |
| Loan loss allowance to noncurrent loans | 38.1200% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.6341% | 203 |
| Noncurrent loans to loans | 2.3294% | 262 |
| Net loans and leases to total assets | 68.0803% | 1,471 |
| Net loans and leases to deposits | 76.9408% | 1,617 |
| Net loans and leases to core deposits | 90.0541% | 1,117 |
| Total domestic deposits to total assets | 88.4841% | 2,389 |
| Equity capital to assets | 7.6256% | 3,392 |
| Core capital (leverage) ratio | 9.4978% | 2,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,319,333 | 3,657 |
| Average earning assets | $127,723,000 | 3,624 |
| Average equity | $11,730,333 | 3,811 |
| Average total loans | $87,800,000 | 3,357 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7634% | 1,154 |
| Cost of funding earning assets | 0.5802% | 296 |
| Net interest margin | 3.1832% | 1,934 |
| Noninterest income to average assets | 0.6474% | 1,502 |
| Noninterest expense to average assets | 2.8676% | 1,024 |
| Loan and lease loss provision to assets | 0.0739% | 1,123 |
| Net operating income to assets | 0.5877% | 3,431 |
| Return on assets (ROA) | 0.5735% | 3,459 |
| Pretax return on assets | 0.7213% | 3,329 |
| Return on Equity (ROE) | 6.1946% | 3,290 |
| Retained earnings to average equity (ytd only) | 6.1946% | 2,181 |
| Net charge-offs to loans | -0.0139% | 3,729 |
| Credit loss provision to net charge-offs | -833.3333% | 3,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9116% | 1,321 |
| Assets per employee ($millions) | 5.2280% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 3,836 |
| Loan loss allowance to noncurrent loans | 38.2716% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.6420% | 210 |
| Noncurrent loans to loans | 2.5355% | 237 |
| Net loans and leases to total assets | 62.8414% | 1,761 |
| Net loans and leases to deposits | 73.8267% | 1,622 |
| Net loans and leases to core deposits | 86.7956% | 1,088 |
| Total domestic deposits to total assets | 85.1201% | 3,516 |
| Equity capital to assets | 8.6730% | 3,003 |
| Core capital (leverage) ratio | 9.6007% | 2,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,303,000 | 3,661 |
| Average earning assets | $128,927,000 | 3,621 |
| Average equity | $12,527,000 | 3,805 |
| Average total loans | $86,260,000 | 3,385 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4170% | 696 |
| Cost of funding earning assets | 0.6823% | 350 |
| Net interest margin | 3.7347% | 1,130 |
| Noninterest income to average assets | 1.0699% | 895 |
| Noninterest expense to average assets | 3.2808% | 650 |
| Loan and lease loss provision to assets | 0.0202% | 2,663 |
| Net operating income to assets | 1.0561% | 2,459 |
| Return on assets (ROA) | 1.0690% | 2,494 |
| Pretax return on assets | 1.3404% | 2,239 |
| Return on Equity (ROE) | 10.7350% | 2,261 |
| Retained earnings to average equity (ytd only) | 10.7350% | 753 |
| Net charge-offs to loans | 0.0174% | 1,935 |
| Credit loss provision to net charge-offs | 178.5714% | 1,372 |
| Earnings coverage of net charge-offs (x) | 118.5714% | 790 |
| Efficiency ratio | 70.8983% | 1,629 |
| Assets per employee ($millions) | 5.1799% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 3,970 |
| Loan loss allowance to noncurrent loans | 76.4650% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 0.8190% | 730 |
| Noncurrent loans to loans | 1.2265% | 785 |
| Net loans and leases to total assets | 63.4513% | 1,765 |
| Net loans and leases to deposits | 75.7781% | 1,585 |
| Net loans and leases to core deposits | 90.4736% | 953 |
| Total domestic deposits to total assets | 83.7331% | 3,630 |
| Equity capital to assets | 9.8494% | 2,798 |
| Core capital (leverage) ratio | 9.6246% | 2,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,474,200 | 3,766 |
| Average earning assets | $117,545,200 | 3,716 |
| Average equity | $12,296,200 | 3,901 |
| Average total loans | $80,433,000 | 3,478 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3766% | 845 |
| Cost of funding earning assets | 0.7002% | 383 |
| Net interest margin | 3.6764% | 1,393 |
| Noninterest income to average assets | 0.7845% | 1,574 |
| Noninterest expense to average assets | 3.1953% | 716 |
| Loan and lease loss provision to assets | 0.0273% | 2,446 |
| Net operating income to assets | 0.8659% | 3,337 |
| Return on assets (ROA) | 0.8795% | 3,380 |
| Pretax return on assets | 1.0762% | 3,251 |
| Return on Equity (ROE) | 8.8046% | 3,167 |
| Retained earnings to average equity (ytd only) | 8.8046% | 1,768 |
| Net charge-offs to loans | 0.1080% | 705 |
| Credit loss provision to net charge-offs | 39.0625% | 1,924 |
| Earnings coverage of net charge-offs (x) | 15.3750% | 1,865 |
| Efficiency ratio | 74.5872% | 1,165 |
| Assets per employee ($millions) | 5.0711% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9249% | 4,086 |
| Loan loss allowance to noncurrent loans | 67.4667% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 0.8874% | 777 |
| Noncurrent loans to loans | 1.3709% | 777 |
| Net loans and leases to total assets | 61.6649% | 2,047 |
| Net loans and leases to deposits | 73.9537% | 1,859 |
| Net loans and leases to core deposits | 87.8725% | 1,158 |
| Total domestic deposits to total assets | 83.3831% | 3,614 |
| Equity capital to assets | 9.8811% | 3,015 |
| Core capital (leverage) ratio | 9.8148% | 2,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,673,250 | 3,835 |
| Average earning assets | $114,819,750 | 3,788 |
| Average equity | $12,054,000 | 3,979 |
| Average total loans | $78,975,250 | 3,540 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3287% | 958 |
| Cost of funding earning assets | 0.7280% | 401 |
| Net interest margin | 3.6006% | 1,595 |
| Noninterest income to average assets | 0.8072% | 1,517 |
| Noninterest expense to average assets | 3.1467% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8993% | 3,221 |
| Return on assets (ROA) | 0.9149% | 3,256 |
| Pretax return on assets | 1.1048% | 3,200 |
| Return on Equity (ROE) | 9.1224% | 3,060 |
| Retained earnings to average equity (ytd only) | 9.1224% | 1,674 |
| Net charge-offs to loans | 0.1745% | 484 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 9.3382% | 1,840 |
| Efficiency ratio | 74.3030% | 1,224 |
| Assets per employee ($millions) | 5.2523% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 4,189 |
| Loan loss allowance to noncurrent loans | 60.7321% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 0.9535% | 798 |
| Noncurrent loans to loans | 1.4597% | 784 |
| Net loans and leases to total assets | 64.7434% | 1,859 |
| Net loans and leases to deposits | 77.9747% | 1,626 |
| Net loans and leases to core deposits | 94.6029% | 877 |
| Total domestic deposits to total assets | 83.0314% | 3,701 |
| Equity capital to assets | 10.0289% | 2,825 |
| Core capital (leverage) ratio | 10.1404% | 2,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,948,333 | 3,892 |
| Average earning assets | $111,258,667 | 3,855 |
| Average equity | $11,729,333 | 4,020 |
| Average total loans | $77,946,000 | 3,581 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 1,157 |
| Cost of funding earning assets | 0.7901% | 372 |
| Net interest margin | 3.4337% | 2,009 |
| Noninterest income to average assets | 1.0534% | 1,051 |
| Noninterest expense to average assets | 2.9396% | 1,087 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1552% | 2,316 |
| Return on assets (ROA) | 1.1851% | 2,281 |
| Pretax return on assets | 1.4129% | 2,249 |
| Return on Equity (ROE) | 11.8158% | 2,086 |
| Retained earnings to average equity (ytd only) | 11.8158% | 1,199 |
| Net charge-offs to loans | 0.1479% | 519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 13.8214% | 1,387 |
| Efficiency ratio | 68.0956% | 1,923 |
| Assets per employee ($millions) | 4.6861% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 3,893 |
| Loan loss allowance to noncurrent loans | 59.0944% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.1122% | 707 |
| Noncurrent loans to loans | 1.6676% | 719 |
| Net loans and leases to total assets | 66.0393% | 1,800 |
| Net loans and leases to deposits | 80.4641% | 1,483 |
| Net loans and leases to core deposits | 88.7185% | 1,317 |
| Total domestic deposits to total assets | 82.0730% | 3,879 |
| Equity capital to assets | 10.4991% | 2,274 |
| Core capital (leverage) ratio | 10.7851% | 1,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,394,500 | 3,948 |
| Average earning assets | $106,825,000 | 3,912 |
| Average equity | $11,273,000 | 4,081 |
| Average total loans | $75,747,500 | 3,639 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5608% | 1,179 |
| Cost of funding earning assets | 1.1957% | 282 |
| Net interest margin | 3.3651% | 2,883 |
| Noninterest income to average assets | 0.7206% | 1,788 |
| Noninterest expense to average assets | 3.0163% | 1,399 |
| Loan and lease loss provision to assets | 0.0080% | 4,255 |
| Net operating income to assets | 0.6889% | 3,469 |
| Return on assets (ROA) | 0.7296% | 3,458 |
| Pretax return on assets | 0.9073% | 3,345 |
| Return on Equity (ROE) | 7.4522% | 3,017 |
| Retained earnings to average equity (ytd only) | 3.2011% | 3,223 |
| Net charge-offs to loans | 0.1045% | 1,422 |
| Credit loss provision to net charge-offs | 10.9589% | 3,254 |
| Earnings coverage of net charge-offs (x) | 11.8630% | 2,378 |
| Efficiency ratio | 77.6749% | 1,061 |
| Assets per employee ($millions) | 4.3054% | 4,114 |
| Cash dividends to net income (ytd only)* | 57.0451% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 3,520 |
| Loan loss allowance to noncurrent loans | 44.8315% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.6537% | 409 |
| Noncurrent loans to loans | 2.4265% | 423 |
| Net loans and leases to total assets | 67.4124% | 1,902 |
| Net loans and leases to deposits | 82.8396% | 1,567 |
| Net loans and leases to core deposits | 91.9983% | 1,382 |
| Total domestic deposits to total assets | 81.3770% | 3,790 |
| Equity capital to assets | 9.5191% | 3,590 |
| Core capital (leverage) ratio | 9.1403% | 3,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,187,400 | 3,993 |
| Average earning assets | $94,083,800 | 3,973 |
| Average equity | $9,809,200 | 4,215 |
| Average total loans | $69,887,400 | 3,738 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6768% | 1,115 |
| Cost of funding earning assets | 1.2792% | 268 |
| Net interest margin | 3.3976% | 2,930 |
| Noninterest income to average assets | 0.6902% | 1,830 |
| Noninterest expense to average assets | 2.9900% | 1,462 |
| Loan and lease loss provision to assets | 0.0112% | 4,163 |
| Net operating income to assets | 0.7027% | 3,446 |
| Return on assets (ROA) | 0.7526% | 3,383 |
| Pretax return on assets | 0.9356% | 3,281 |
| Return on Equity (ROE) | 7.6287% | 2,946 |
| Retained earnings to average equity (ytd only) | 3.0927% | 3,484 |
| Net charge-offs to loans | 0.1275% | 1,119 |
| Credit loss provision to net charge-offs | 12.1212% | 2,993 |
| Earnings coverage of net charge-offs (x) | 9.8788% | 2,395 |
| Efficiency ratio | 77.1439% | 1,113 |
| Assets per employee ($millions) | 4.1066% | 4,231 |
| Cash dividends to net income (ytd only)* | 59.4595% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 3,108 |
| Loan loss allowance to noncurrent loans | 44.6726% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.7552% | 440 |
| Noncurrent loans to loans | 2.5025% | 420 |
| Net loans and leases to total assets | 69.3544% | 2,050 |
| Net loans and leases to deposits | 86.4039% | 1,650 |
| Net loans and leases to core deposits | 96.0839% | 1,452 |
| Total domestic deposits to total assets | 80.2677% | 3,804 |
| Equity capital to assets | 9.7941% | 3,434 |
| Core capital (leverage) ratio | 9.3108% | 3,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,325,250 | 4,012 |
| Average earning assets | $92,140,250 | 3,997 |
| Average equity | $9,700,000 | 4,240 |
| Average total loans | $69,019,750 | 3,769 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8155% | 1,132 |
| Cost of funding earning assets | 1.3570% | 275 |
| Net interest margin | 3.4585% | 2,924 |
| Noninterest income to average assets | 0.6379% | 1,982 |
| Noninterest expense to average assets | 3.0037% | 1,566 |
| Loan and lease loss provision to assets | 0.0165% | 4,025 |
| Net operating income to assets | 0.6928% | 3,412 |
| Return on assets (ROA) | 0.7246% | 3,409 |
| Pretax return on assets | 0.8980% | 3,317 |
| Return on Equity (ROE) | 7.3265% | 3,000 |
| Retained earnings to average equity (ytd only) | 3.8824% | 2,966 |
| Net charge-offs to loans | -0.0147% | 4,314 |
| Credit loss provision to net charge-offs | -160.0000% | 3,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3816% | 1,114 |
| Assets per employee ($millions) | 3.8802% | 4,409 |
| Cash dividends to net income (ytd only)* | 47.0085% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 2,165 |
| Loan loss allowance to noncurrent loans | 44.8770% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 2.0122% | 349 |
| Noncurrent loans to loans | 2.8240% | 370 |
| Net loans and leases to total assets | 70.3523% | 1,977 |
| Net loans and leases to deposits | 88.8631% | 1,467 |
| Net loans and leases to core deposits | 97.8465% | 1,424 |
| Total domestic deposits to total assets | 79.1693% | 4,013 |
| Equity capital to assets | 10.3509% | 2,887 |
| Core capital (leverage) ratio | 9.5818% | 3,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,879,000 | 4,037 |
| Average earning assets | $90,790,333 | 4,015 |
| Average equity | $9,581,667 | 4,265 |
| Average total loans | $68,024,000 | 3,791 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6767% | 1,789 |
| Cost of funding earning assets | 1.4105% | 374 |
| Net interest margin | 3.2662% | 3,675 |
| Noninterest income to average assets | 0.7396% | 1,499 |
| Noninterest expense to average assets | 3.0284% | 1,816 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6455% | 3,461 |
| Return on assets (ROA) | 0.7106% | 3,318 |
| Pretax return on assets | 0.8511% | 3,283 |
| Return on Equity (ROE) | 7.3567% | 2,793 |
| Retained earnings to average equity (ytd only) | 3.5928% | 2,852 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6739% | 1,173 |
| Assets per employee ($millions) | 3.8915% | 4,061 |
| Cash dividends to net income (ytd only)* | 51.1628% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,393 |
| Loan loss allowance to noncurrent loans | 42.5752% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 2.0835% | 382 |
| Noncurrent loans to loans | 2.9349% | 372 |
| Net loans and leases to total assets | 70.1032% | 2,233 |
| Net loans and leases to deposits | 87.3466% | 1,823 |
| Net loans and leases to core deposits | 97.9590% | 1,629 |
| Total domestic deposits to total assets | 80.2586% | 3,812 |
| Equity capital to assets | 9.3886% | 4,323 |
| Core capital (leverage) ratio | 9.7991% | 3,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4845% | 2,937 |
| Memoranda: | ||
| Average total assets | $96,815,500 | 4,038 |
| Average earning assets | $90,747,500 | 4,013 |
| Average equity | $9,352,000 | 4,322 |
| Average total loans | $67,475,000 | 3,813 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9221% | 1,692 |
| Cost of funding earning assets | 1.4458% | 473 |
| Net interest margin | 3.4763% | 3,515 |
| Noninterest income to average assets | 0.7105% | 1,777 |
| Noninterest expense to average assets | 3.0117% | 1,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7320% | 3,758 |
| Return on assets (ROA) | 0.7542% | 3,764 |
| Pretax return on assets | 0.9605% | 3,573 |
| Return on Equity (ROE) | 7.9138% | 3,202 |
| Retained earnings to average equity (ytd only) | 3.3448% | 3,337 |
| Net charge-offs to loans | 0.5096% | 367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 2.6017% | 3,397 |
| Efficiency ratio | 76.3074% | 1,327 |
| Assets per employee ($millions) | 4.0143% | 3,885 |
| Cash dividends to net income (ytd only)* | 57.7348% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 1,872 |
| Loan loss allowance to noncurrent loans | 44.9713% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.9918% | 394 |
| Noncurrent loans to loans | 2.9127% | 332 |
| Net loans and leases to total assets | 67.4901% | 2,753 |
| Net loans and leases to deposits | 84.9395% | 2,215 |
| Net loans and leases to core deposits | 93.8539% | 2,078 |
| Total domestic deposits to total assets | 79.4567% | 4,088 |
| Equity capital to assets | 9.9333% | 3,982 |
| Core capital (leverage) ratio | 9.6913% | 3,856 |
| Tier 1 risk-based capital ratio | 12.4644% | 4,090 |
| Total risk-based capital ratio | 13.6172% | 4,013 |
| Memoranda: | ||
| Average total assets | $95,992,600 | 4,064 |
| Average earning assets | $89,290,400 | 4,054 |
| Average equity | $9,148,600 | 4,353 |
| Average total loans | $67,502,400 | 3,823 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8527% | 1,961 |
| Cost of funding earning assets | 1.4374% | 503 |
| Net interest margin | 3.4153% | 3,823 |
| Noninterest income to average assets | 0.6896% | 1,828 |
| Noninterest expense to average assets | 2.9737% | 2,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7235% | 3,932 |
| Return on assets (ROA) | 0.7452% | 3,927 |
| Pretax return on assets | 0.9134% | 3,830 |
| Return on Equity (ROE) | 7.9026% | 3,354 |
| Retained earnings to average equity (ytd only) | 2.4622% | 4,112 |
| Net charge-offs to loans | 0.6852% | 231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1.8281% | 3,251 |
| Efficiency ratio | 76.9896% | 1,222 |
| Assets per employee ($millions) | 3.9372% | 3,977 |
| Cash dividends to net income (ytd only)* | 68.8435% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 2,153 |
| Loan loss allowance to noncurrent loans | 46.1290% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.9684% | 448 |
| Noncurrent loans to loans | 2.7374% | 391 |
| Net loans and leases to total assets | 70.9989% | 2,323 |
| Net loans and leases to deposits | 90.2960% | 1,665 |
| Net loans and leases to core deposits | 100.0492% | 1,652 |
| Total domestic deposits to total assets | 78.6291% | 4,240 |
| Equity capital to assets | 10.0240% | 3,993 |
| Core capital (leverage) ratio | 9.5038% | 4,161 |
| Tier 1 risk-based capital ratio | 12.0651% | 4,387 |
| Total risk-based capital ratio | 13.2024% | 4,325 |
| Memoranda: | ||
| Average total assets | $95,905,000 | 4,110 |
| Average earning assets | $89,048,250 | 4,106 |
| Average equity | $9,043,250 | 4,418 |
| Average total loans | $67,906,750 | 3,860 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8193% | 2,002 |
| Cost of funding earning assets | 1.4057% | 525 |
| Net interest margin | 3.4135% | 3,851 |
| Noninterest income to average assets | 0.6682% | 1,841 |
| Noninterest expense to average assets | 2.8845% | 2,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7608% | 3,791 |
| Return on assets (ROA) | 0.7824% | 3,780 |
| Pretax return on assets | 0.9753% | 3,630 |
| Return on Equity (ROE) | 8.4716% | 3,080 |
| Retained earnings to average equity (ytd only) | 1.4831% | 4,300 |
| Net charge-offs to loans | 0.9544% | 151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1.4105% | 3,023 |
| Efficiency ratio | 75.2030% | 1,494 |
| Assets per employee ($millions) | 4.1530% | 3,637 |
| Cash dividends to net income (ytd only)* | 82.4934% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,007 |
| Loan loss allowance to noncurrent loans | 44.1721% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 2.0928% | 428 |
| Noncurrent loans to loans | 2.9467% | 352 |
| Net loans and leases to total assets | 70.0967% | 2,518 |
| Net loans and leases to deposits | 88.2729% | 1,970 |
| Net loans and leases to core deposits | 96.8313% | 1,996 |
| Total domestic deposits to total assets | 79.4091% | 4,145 |
| Equity capital to assets | 9.7029% | 4,232 |
| Core capital (leverage) ratio | 9.3424% | 4,316 |
| Tier 1 risk-based capital ratio | 12.0072% | 4,411 |
| Total risk-based capital ratio | 13.1852% | 4,339 |
| Memoranda: | ||
| Average total assets | $96,375,670 | 4,124 |
| Average earning assets | $89,350,000 | 4,130 |
| Average equity | $8,900,330 | 4,456 |
| Average total loans | $67,893,330 | 3,884 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5894% | 2,566 |
| Cost of funding earning assets | 1.3674% | 515 |
| Net interest margin | 3.2220% | 4,338 |
| Noninterest income to average assets | 0.7024% | 1,606 |
| Noninterest expense to average assets | 2.8015% | 2,564 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7314% | 3,838 |
| Return on assets (ROA) | 0.7314% | 3,886 |
| Pretax return on assets | 0.8801% | 3,828 |
| Return on Equity (ROE) | 8.1225% | 3,207 |
| Retained earnings to average equity (ytd only) | 1.5144% | 4,196 |
| Net charge-offs to loans | 2.0141% | 55 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 0.6228% | 2,654 |
| Efficiency ratio | 76.0943% | 1,488 |
| Assets per employee ($millions) | 4.3020% | 3,482 |
| Cash dividends to net income (ytd only)* | 81.3559% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 2,118 |
| Loan loss allowance to noncurrent loans | 32.7652% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 2.7894% | 238 |
| Noncurrent loans to loans | 3.9484% | 198 |
| Net loans and leases to total assets | 69.7311% | 2,523 |
| Net loans and leases to deposits | 87.4967% | 1,938 |
| Net loans and leases to core deposits | 94.9105% | 2,037 |
| Total domestic deposits to total assets | 79.6957% | 4,221 |
| Equity capital to assets | 9.3761% | 4,360 |
| Core capital (leverage) ratio | 9.2480% | 4,413 |
| Tier 1 risk-based capital ratio | 11.7109% | 4,614 |
| Total risk-based capital ratio | 12.8405% | 4,577 |
| Memoranda: | ||
| Average total assets | $96,804,500 | 4,156 |
| Average earning assets | $89,510,000 | 4,156 |
| Average equity | $8,716,500 | 4,508 |
| Average total loans | $67,921,000 | 3,919 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4838% | 2,506 |
| Cost of funding earning assets | 1.3165% | 202 |
| Net interest margin | 3.1673% | 4,544 |
| Noninterest income to average assets | 0.6836% | 1,917 |
| Noninterest expense to average assets | 3.0169% | 2,007 |
| Loan and lease loss provision to assets | 0.6444% | 168 |
| Net operating income to assets | -0.0199% | 5,239 |
| Return on assets (ROA) | -0.0289% | 5,239 |
| Pretax return on assets | -0.0918% | 5,250 |
| Return on Equity (ROE) | -0.3320% | 5,244 |
| Retained earnings to average equity (ytd only) | -4.8730% | 5,244 |
| Net charge-offs to loans | 1.0732% | 135 |
| Credit loss provision to net charge-offs | 83.6680% | 2,809 |
| Earnings coverage of net charge-offs (x) | 0.7323% | 3,675 |
| Efficiency ratio | 84.1923% | 643 |
| Assets per employee ($millions) | 4.4984% | 3,170 |
| Cash dividends to net income (ytd only)* | -1,367.8571% | 5,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7498% | 753 |
| Loan loss allowance to noncurrent loans | 29.0843% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 4.1934% | 101 |
| Noncurrent loans to loans | 6.0162% | 73 |
| Net loans and leases to total assets | 68.4825% | 2,808 |
| Net loans and leases to deposits | 84.8191% | 2,428 |
| Net loans and leases to core deposits | 91.5307% | 2,448 |
| Total domestic deposits to total assets | 80.7395% | 3,944 |
| Equity capital to assets | 8.6486% | 4,846 |
| Core capital (leverage) ratio | 9.1430% | 4,518 |
| Tier 1 risk-based capital ratio | 11.3544% | 4,794 |
| Total risk-based capital ratio | 12.6066% | 4,698 |
| Memoranda: | ||
| Average total assets | $96,986,600 | 4,151 |
| Average earning assets | $88,718,800 | 4,171 |
| Average equity | $8,434,200 | 4,541 |
| Average total loans | $69,602,000 | 3,875 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5327% | 2,177 |
| Cost of funding earning assets | 1.2879% | 170 |
| Net interest margin | 3.2448% | 4,416 |
| Noninterest income to average assets | 0.6757% | 1,956 |
| Noninterest expense to average assets | 3.0330% | 1,922 |
| Loan and lease loss provision to assets | 0.7240% | 137 |
| Net operating income to assets | -0.0566% | 5,321 |
| Return on assets (ROA) | -0.0719% | 5,322 |
| Pretax return on assets | -0.1382% | 5,335 |
| Return on Equity (ROE) | -0.8251% | 5,329 |
| Retained earnings to average equity (ytd only) | -4.8711% | 5,311 |
| Net charge-offs to loans | 1.1525% | 120 |
| Credit loss provision to net charge-offs | 86.8988% | 2,453 |
| Earnings coverage of net charge-offs (x) | 0.7264% | 3,392 |
| Efficiency ratio | 83.3270% | 680 |
| Assets per employee ($millions) | 4.1260% | 3,688 |
| Cash dividends to net income (ytd only)* | -490.3938% | 5,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8058% | 719 |
| Loan loss allowance to noncurrent loans | 36.0231% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 3.6565% | 150 |
| Noncurrent loans to loans | 5.0129% | 124 |
| Net loans and leases to total assets | 71.6246% | 2,387 |
| Net loans and leases to deposits | 89.3908% | 1,971 |
| Net loans and leases to core deposits | 97.2125% | 2,000 |
| Total domestic deposits to total assets | 80.1252% | 4,088 |
| Equity capital to assets | 8.4795% | 4,936 |
| Core capital (leverage) ratio | 8.7905% | 4,892 |
| Tier 1 risk-based capital ratio | 11.0250% | 5,026 |
| Total risk-based capital ratio | 12.2783% | 4,922 |
| Memoranda: | ||
| Average total assets | $96,492,250 | 4,201 |
| Average earning assets | $88,097,750 | 4,222 |
| Average equity | $8,403,000 | 4,592 |
| Average total loans | $69,757,500 | 3,911 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 2,385 |
| Cost of funding earning assets | 1.2200% | 168 |
| Net interest margin | 3.1883% | 4,533 |
| Noninterest income to average assets | 0.6328% | 2,164 |
| Noninterest expense to average assets | 3.0261% | 1,977 |
| Loan and lease loss provision to assets | 0.2968% | 467 |
| Net operating income to assets | 0.1844% | 5,246 |
| Return on assets (ROA) | 0.1587% | 5,250 |
| Pretax return on assets | 0.1793% | 5,255 |
| Return on Equity (ROE) | 1.8072% | 5,197 |
| Retained earnings to average equity (ytd only) | -3.0745% | 5,212 |
| Net charge-offs to loans | 1.7387% | 65 |
| Credit loss provision to net charge-offs | 23.6842% | 2,668 |
| Earnings coverage of net charge-offs (x) | 0.4030% | 3,127 |
| Efficiency ratio | 85.6392% | 588 |
| Assets per employee ($millions) | 4.0412% | 3,829 |
| Cash dividends to net income (ytd only)* | 270.1299% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 2,565 |
| Loan loss allowance to noncurrent loans | 29.2526% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 3.0488% | 237 |
| Noncurrent loans to loans | 4.1951% | 203 |
| Net loans and leases to total assets | 71.7841% | 2,309 |
| Net loans and leases to deposits | 89.3518% | 1,928 |
| Net loans and leases to core deposits | 95.9073% | 2,064 |
| Total domestic deposits to total assets | 80.3388% | 4,169 |
| Equity capital to assets | 8.6227% | 4,860 |
| Core capital (leverage) ratio | 8.8823% | 4,808 |
| Tier 1 risk-based capital ratio | 11.1092% | 4,999 |
| Total risk-based capital ratio | 12.1994% | 4,967 |
| Memoranda: | ||
| Average total assets | $97,023,330 | 4,226 |
| Average earning assets | $88,198,000 | 4,250 |
| Average equity | $8,521,670 | 4,607 |
| Average total loans | $69,936,330 | 3,938 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0805% | 3,299 |
| Cost of funding earning assets | 1.1228% | 202 |
| Net interest margin | 2.9577% | 4,939 |
| Noninterest income to average assets | 0.6678% | 1,966 |
| Noninterest expense to average assets | 3.0338% | 1,985 |
| Loan and lease loss provision to assets | 0.2061% | 792 |
| Net operating income to assets | 0.1278% | 5,310 |
| Return on assets (ROA) | 0.0577% | 5,349 |
| Pretax return on assets | 0.0289% | 5,374 |
| Return on Equity (ROE) | 0.6511% | 5,340 |
| Retained earnings to average equity (ytd only) | -4.6971% | 5,187 |
| Net charge-offs to loans | 3.4223% | 29 |
| Credit loss provision to net charge-offs | 8.3893% | 2,173 |
| Earnings coverage of net charge-offs (x) | 0.1242% | 2,651 |
| Efficiency ratio | 90.8642% | 405 |
| Assets per employee ($millions) | 4.0760% | 3,841 |
| Cash dividends to net income (ytd only)* | 821.4286% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 3,234 |
| Loan loss allowance to noncurrent loans | 25.4221% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 3.1485% | 243 |
| Noncurrent loans to loans | 4.4201% | 200 |
| Net loans and leases to total assets | 70.4313% | 2,400 |
| Net loans and leases to deposits | 87.5774% | 1,985 |
| Net loans and leases to core deposits | 93.9343% | 2,145 |
| Total domestic deposits to total assets | 80.4218% | 4,339 |
| Equity capital to assets | 8.6156% | 4,889 |
| Core capital (leverage) ratio | 9.1562% | 4,496 |
| Tier 1 risk-based capital ratio | 11.1931% | 5,031 |
| Total risk-based capital ratio | 12.1841% | 5,077 |
| Memoranda: | ||
| Average total assets | $97,041,000 | 4,267 |
| Average earning assets | $87,635,500 | 4,310 |
| Average equity | $8,601,000 | 4,645 |
| Average total loans | $69,661,000 | 3,975 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 1,219 |
| Cost of funding earning assets | 1.0314% | 182 |
| Net interest margin | 3.6606% | 2,948 |
| Noninterest income to average assets | 0.6736% | 2,077 |
| Noninterest expense to average assets | 2.8483% | 2,613 |
| Loan and lease loss provision to assets | 0.3604% | 433 |
| Net operating income to assets | 0.4241% | 4,611 |
| Return on assets (ROA) | 0.4463% | 4,575 |
| Pretax return on assets | 0.8569% | 4,060 |
| Return on Equity (ROE) | 4.8051% | 4,242 |
| Retained earnings to average equity (ytd only) | 2.5492% | 3,799 |
| Net charge-offs to loans | 0.2142% | 1,213 |
| Credit loss provision to net charge-offs | 234.0136% | 1,187 |
| Earnings coverage of net charge-offs (x) | 7.6803% | 3,016 |
| Efficiency ratio | 70.6081% | 2,456 |
| Assets per employee ($millions) | 4.1852% | 3,680 |
| Cash dividends to net income (ytd only)* | 46.9484% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9084% | 636 |
| Loan loss allowance to noncurrent loans | 132.1074% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.1604% | 1,280 |
| Noncurrent loans to loans | 1.4446% | 1,186 |
| Net loans and leases to total assets | 70.9669% | 2,376 |
| Net loans and leases to deposits | 93.5717% | 1,321 |
| Net loans and leases to core deposits | 100.5076% | 1,672 |
| Total domestic deposits to total assets | 75.8423% | 4,992 |
| Equity capital to assets | 9.1150% | 4,604 |
| Core capital (leverage) ratio | 9.2249% | 4,369 |
| Tier 1 risk-based capital ratio | 11.4874% | 4,855 |
| Total risk-based capital ratio | 12.7430% | 4,747 |
| Memoranda: | ||
| Average total assets | $95,461,400 | 4,321 |
| Average earning assets | $87,554,200 | 4,340 |
| Average equity | $8,865,600 | 4,635 |
| Average total loans | $68,624,400 | 4,000 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6777% | 1,188 |
| Cost of funding earning assets | 1.0098% | 186 |
| Net interest margin | 3.6680% | 2,875 |
| Noninterest income to average assets | 0.6452% | 2,232 |
| Noninterest expense to average assets | 2.8272% | 2,637 |
| Loan and lease loss provision to assets | 0.0532% | 3,037 |
| Net operating income to assets | 0.7758% | 3,615 |
| Return on assets (ROA) | 0.8006% | 3,567 |
| Pretax return on assets | 1.1771% | 2,997 |
| Return on Equity (ROE) | 8.5802% | 2,819 |
| Retained earnings to average equity (ytd only) | 6.1801% | 2,126 |
| Net charge-offs to loans | 0.2769% | 778 |
| Credit loss provision to net charge-offs | 26.7606% | 3,104 |
| Earnings coverage of net charge-offs (x) | 6.0070% | 3,034 |
| Efficiency ratio | 70.2750% | 2,495 |
| Assets per employee ($millions) | 4.5655% | 3,022 |
| Cash dividends to net income (ytd only)* | 27.9722% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4787% | 1,612 |
| Loan loss allowance to noncurrent loans | 101.1811% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.2162% | 1,350 |
| Noncurrent loans to loans | 1.4614% | 1,277 |
| Net loans and leases to total assets | 71.4389% | 2,341 |
| Net loans and leases to deposits | 97.1890% | 993 |
| Net loans and leases to core deposits | 106.2831% | 1,252 |
| Total domestic deposits to total assets | 73.5051% | 5,278 |
| Equity capital to assets | 9.5385% | 4,410 |
| Core capital (leverage) ratio | 9.4480% | 4,229 |
| Tier 1 risk-based capital ratio | 11.7957% | 4,773 |
| Total risk-based capital ratio | 13.0462% | 4,638 |
| Memoranda: | ||
| Average total assets | $95,262,000 | 4,366 |
| Average earning assets | $87,675,500 | 4,383 |
| Average equity | $8,888,500 | 4,681 |
| Average total loans | $68,370,250 | 4,033 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5639% | 1,345 |
| Cost of funding earning assets | 0.9693% | 199 |
| Net interest margin | 3.5945% | 3,063 |
| Noninterest income to average assets | 0.6165% | 2,385 |
| Noninterest expense to average assets | 2.8278% | 2,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7666% | 3,561 |
| Return on assets (ROA) | 0.8058% | 3,427 |
| Pretax return on assets | 1.1614% | 2,923 |
| Return on Equity (ROE) | 8.7016% | 2,667 |
| Retained earnings to average equity (ytd only) | 6.0207% | 2,103 |
| Net charge-offs to loans | 0.4030% | 508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.8321% | 2,999 |
| Efficiency ratio | 71.8566% | 2,363 |
| Assets per employee ($millions) | 4.6318% | 2,889 |
| Cash dividends to net income (ytd only)* | 30.8094% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 1,866 |
| Loan loss allowance to noncurrent loans | 578.4884% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 3,804 |
| Noncurrent loans to loans | 0.2453% | 4,150 |
| Net loans and leases to total assets | 71.0662% | 2,361 |
| Net loans and leases to deposits | 94.6282% | 1,216 |
| Net loans and leases to core deposits | 103.5178% | 1,390 |
| Total domestic deposits to total assets | 75.1005% | 5,191 |
| Equity capital to assets | 9.2817% | 4,642 |
| Core capital (leverage) ratio | 9.2084% | 4,476 |
| Tier 1 risk-based capital ratio | 11.3753% | 5,038 |
| Total risk-based capital ratio | 12.6249% | 4,930 |
| Memoranda: | ||
| Average total assets | $95,057,670 | 4,395 |
| Average earning assets | $87,688,670 | 4,405 |
| Average equity | $8,803,000 | 4,720 |
| Average total loans | $67,987,000 | 4,060 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3825% | 1,707 |
| Cost of funding earning assets | 0.9345% | 231 |
| Net interest margin | 3.4480% | 3,454 |
| Noninterest income to average assets | 0.5790% | 2,512 |
| Noninterest expense to average assets | 2.6396% | 3,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7706% | 3,363 |
| Return on assets (ROA) | 0.7706% | 3,420 |
| Pretax return on assets | 1.1282% | 2,870 |
| Return on Equity (ROE) | 8.3309% | 2,756 |
| Retained earnings to average equity (ytd only) | 5.5233% | 2,584 |
| Net charge-offs to loans | -0.0239% | 4,834 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0565% | 2,881 |
| Assets per employee ($millions) | 4.7947% | 2,705 |
| Cash dividends to net income (ytd only)* | 33.7017% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 1,293 |
| Loan loss allowance to noncurrent loans | 195.8621% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 2,263 |
| Noncurrent loans to loans | 0.8357% | 2,368 |
| Net loans and leases to total assets | 71.1869% | 2,186 |
| Net loans and leases to deposits | 93.8105% | 1,126 |
| Net loans and leases to core deposits | 102.6480% | 1,322 |
| Total domestic deposits to total assets | 75.8838% | 5,241 |
| Equity capital to assets | 9.1737% | 4,640 |
| Core capital (leverage) ratio | 9.4861% | 4,135 |
| Tier 1 risk-based capital ratio | 11.0236% | 5,297 |
| Total risk-based capital ratio | 12.2754% | 5,205 |
| Memoranda: | ||
| Average total assets | $93,953,000 | 4,460 |
| Average earning assets | $86,891,000 | 4,458 |
| Average equity | $8,690,500 | 4,772 |
| Average total loans | $66,921,000 | 4,114 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4075% | 1,799 |
| Cost of funding earning assets | 0.9839% | 186 |
| Net interest margin | 3.4235% | 3,736 |
| Noninterest income to average assets | 0.6999% | 2,170 |
| Noninterest expense to average assets | 2.7870% | 3,068 |
| Loan and lease loss provision to assets | 0.3211% | 567 |
| Net operating income to assets | 0.5927% | 4,243 |
| Return on assets (ROA) | 0.2791% | 5,331 |
| Pretax return on assets | 0.3358% | 5,320 |
| Return on Equity (ROE) | 3.1214% | 5,126 |
| Retained earnings to average equity (ytd only) | 0.9388% | 4,946 |
| Net charge-offs to loans | 0.9239% | 205 |
| Credit loss provision to net charge-offs | 51.2563% | 3,361 |
| Earnings coverage of net charge-offs (x) | 1.6516% | 3,959 |
| Efficiency ratio | 72.8720% | 2,443 |
| Assets per employee ($millions) | 4.3815% | 3,307 |
| Cash dividends to net income (ytd only)* | 69.9248% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7566% | 1,031 |
| Loan loss allowance to noncurrent loans | 219.3798% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.7771% | 2,409 |
| Noncurrent loans to loans | 0.8007% | 2,509 |
| Net loans and leases to total assets | 68.8062% | 2,646 |
| Net loans and leases to deposits | 89.5563% | 1,732 |
| Net loans and leases to core deposits | 97.7368% | 1,781 |
| Total domestic deposits to total assets | 76.8302% | 5,141 |
| Equity capital to assets | 9.3292% | 4,442 |
| Core capital (leverage) ratio | 9.6948% | 3,864 |
| Tier 1 risk-based capital ratio | 11.9813% | 4,741 |
| Total risk-based capital ratio | 13.2343% | 4,624 |
| Memoranda: | ||
| Average total assets | $95,298,600 | 4,443 |
| Average earning assets | $86,898,200 | 4,457 |
| Average equity | $8,521,800 | 4,837 |
| Average total loans | $64,616,800 | 4,167 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4263% | 1,771 |
| Cost of funding earning assets | 1.0063% | 168 |
| Net interest margin | 3.4200% | 3,771 |
| Noninterest income to average assets | 0.6173% | 2,578 |
| Noninterest expense to average assets | 2.7798% | 3,077 |
| Loan and lease loss provision to assets | 0.4245% | 332 |
| Net operating income to assets | 0.5812% | 4,366 |
| Return on assets (ROA) | 0.0805% | 5,689 |
| Pretax return on assets | 0.0236% | 5,721 |
| Return on Equity (ROE) | 0.9091% | 5,653 |
| Retained earnings to average equity (ytd only) | -0.2508% | 5,405 |
| Net charge-offs to loans | 1.2207% | 130 |
| Credit loss provision to net charge-offs | 51.6892% | 3,011 |
| Earnings coverage of net charge-offs (x) | 1.1554% | 3,724 |
| Efficiency ratio | 74.5164% | 2,188 |
| Assets per employee ($millions) | 4.0569% | 3,860 |
| Cash dividends to net income (ytd only)* | 127.5831% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8128% | 994 |
| Loan loss allowance to noncurrent loans | 123.0519% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 1.3143% | 1,455 |
| Noncurrent loans to loans | 1.4732% | 1,466 |
| Net loans and leases to total assets | 69.0020% | 2,644 |
| Net loans and leases to deposits | 85.7790% | 2,289 |
| Net loans and leases to core deposits | 93.4763% | 2,235 |
| Total domestic deposits to total assets | 80.4417% | 4,406 |
| Equity capital to assets | 9.9652% | 4,164 |
| Core capital (leverage) ratio | 9.4454% | 4,260 |
| Tier 1 risk-based capital ratio | 12.2483% | 4,646 |
| Total risk-based capital ratio | 13.5033% | 4,538 |
| Memoranda: | ||
| Average total assets | $96,120,250 | 4,460 |
| Average earning assets | $87,444,000 | 4,482 |
| Average equity | $8,506,250 | 4,884 |
| Average total loans | $64,660,500 | 4,195 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 2,044 |
| Cost of funding earning assets | 0.9954% | 175 |
| Net interest margin | 3.3375% | 4,098 |
| Noninterest income to average assets | 0.6219% | 2,501 |
| Noninterest expense to average assets | 2.7050% | 3,378 |
| Loan and lease loss provision to assets | 0.6219% | 179 |
| Net operating income to assets | 0.2765% | 5,381 |
| Return on assets (ROA) | -0.1931% | 5,862 |
| Pretax return on assets | -0.4065% | 5,905 |
| Return on Equity (ROE) | -2.2681% | 5,877 |
| Retained earnings to average equity (ytd only) | -4.0349% | 5,694 |
| Net charge-offs to loans | 1.8252% | 79 |
| Credit loss provision to net charge-offs | 51.3423% | 2,656 |
| Earnings coverage of net charge-offs (x) | 0.7836% | 3,485 |
| Efficiency ratio | 73.9711% | 2,366 |
| Assets per employee ($millions) | 4.4419% | 3,129 |
| Cash dividends to net income (ytd only)* | -77.8947% | 6,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7657% | 1,146 |
| Loan loss allowance to noncurrent loans | 192.6871% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.8973% | 2,364 |
| Noncurrent loans to loans | 0.9164% | 2,444 |
| Net loans and leases to total assets | 67.5747% | 2,847 |
| Net loans and leases to deposits | 82.8335% | 2,610 |
| Net loans and leases to core deposits | 89.7957% | 2,552 |
| Total domestic deposits to total assets | 81.5789% | 4,121 |
| Equity capital to assets | 9.3547% | 4,916 |
| Core capital (leverage) ratio | 8.8114% | 5,040 |
| Tier 1 risk-based capital ratio | 11.6834% | 5,038 |
| Total risk-based capital ratio | 12.9366% | 4,936 |
| Memoranda: | ||
| Average total assets | $98,410,000 | 4,447 |
| Average earning assets | $89,408,330 | 4,476 |
| Average equity | $8,377,000 | 4,952 |
| Average total loans | $65,306,670 | 4,210 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3344% | 2,014 |
| Cost of funding earning assets | 0.9815% | 187 |
| Net interest margin | 3.3529% | 4,029 |
| Noninterest income to average assets | 0.6457% | 2,287 |
| Noninterest expense to average assets | 2.6026% | 3,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9388% | 2,569 |
| Return on assets (ROA) | -0.5189% | 5,975 |
| Pretax return on assets | -0.3565% | 5,927 |
| Return on Equity (ROE) | -6.3883% | 5,993 |
| Retained earnings to average equity (ytd only) | -7.4124% | 5,734 |
| Net charge-offs to loans | 0.0243% | 2,445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 702 |
| Efficiency ratio | 70.2674% | 3,071 |
| Assets per employee ($millions) | 5.2203% | 2,117 |
| Cash dividends to net income (ytd only)* | -16.0305% | 6,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1677% | 617 |
| Loan loss allowance to noncurrent loans | 61.8301% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 2.5296% | 583 |
| Noncurrent loans to loans | 3.5059% | 388 |
| Net loans and leases to total assets | 64.5682% | 3,166 |
| Net loans and leases to deposits | 81.4038% | 2,615 |
| Net loans and leases to core deposits | 87.9964% | 2,566 |
| Total domestic deposits to total assets | 79.3184% | 4,897 |
| Equity capital to assets | 8.4791% | 5,581 |
| Core capital (leverage) ratio | 8.4782% | 5,413 |
| Tier 1 risk-based capital ratio | 10.5832% | 5,716 |
| Total risk-based capital ratio | 11.8390% | 5,621 |
| Memoranda: | ||
| Average total assets | $100,975,500 | 4,449 |
| Average earning assets | $92,099,500 | 4,456 |
| Average equity | $8,202,500 | 5,020 |
| Average total loans | $65,877,000 | 4,223 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2065% | 2,539 |
| Cost of funding earning assets | 1.0415% | 136 |
| Net interest margin | 3.1650% | 4,737 |
| Noninterest income to average assets | 0.6538% | 2,442 |
| Noninterest expense to average assets | 2.6817% | 3,645 |
| Loan and lease loss provision to assets | 0.3401% | 450 |
| Net operating income to assets | 0.4652% | 4,830 |
| Return on assets (ROA) | 0.3293% | 5,357 |
| Pretax return on assets | 0.3921% | 5,330 |
| Return on Equity (ROE) | 4.1669% | 4,868 |
| Retained earnings to average equity (ytd only) | 2.0214% | 4,574 |
| Net charge-offs to loans | 0.1942% | 1,500 |
| Credit loss provision to net charge-offs | 279.8387% | 1,043 |
| Earnings coverage of net charge-offs (x) | 7.3548% | 3,091 |
| Efficiency ratio | 74.9452% | 2,431 |
| Assets per employee ($millions) | 4.4681% | 3,097 |
| Cash dividends to net income (ytd only)* | 51.4881% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1465% | 645 |
| Loan loss allowance to noncurrent loans | 62.6872% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 2.2770% | 725 |
| Noncurrent loans to loans | 3.4242% | 417 |
| Net loans and leases to total assets | 63.1240% | 3,393 |
| Net loans and leases to deposits | 80.6470% | 2,749 |
| Net loans and leases to core deposits | 87.3035% | 2,671 |
| Total domestic deposits to total assets | 78.2720% | 5,108 |
| Equity capital to assets | 7.7798% | 5,926 |
| Core capital (leverage) ratio | 8.5147% | 5,415 |
| Tier 1 risk-based capital ratio | 10.6071% | 5,725 |
| Total risk-based capital ratio | 11.8626% | 5,645 |
| Memoranda: | ||
| Average total assets | $102,024,600 | 4,423 |
| Average earning assets | $94,187,600 | 4,429 |
| Average equity | $8,063,600 | 5,050 |
| Average total loans | $63,840,000 | 4,268 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 2,625 |
| Cost of funding earning assets | 1.0544% | 129 |
| Net interest margin | 3.1306% | 4,880 |
| Noninterest income to average assets | 0.6978% | 2,229 |
| Noninterest expense to average assets | 2.6237% | 3,786 |
| Loan and lease loss provision to assets | 0.4543% | 236 |
| Net operating income to assets | 0.4235% | 5,075 |
| Return on assets (ROA) | 0.4085% | 5,226 |
| Pretax return on assets | 0.4975% | 5,223 |
| Return on Equity (ROE) | 5.1479% | 4,558 |
| Retained earnings to average equity (ytd only) | 2.6895% | 4,501 |
| Net charge-offs to loans | 0.2509% | 1,045 |
| Credit loss provision to net charge-offs | 291.5966% | 989 |
| Earnings coverage of net charge-offs (x) | 6.2270% | 3,080 |
| Efficiency ratio | 72.9690% | 2,724 |
| Assets per employee ($millions) | 4.3552% | 3,238 |
| Cash dividends to net income (ytd only)* | 47.7560% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2441% | 622 |
| Loan loss allowance to noncurrent loans | 58.1433% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 2.5317% | 680 |
| Noncurrent loans to loans | 3.8596% | 356 |
| Net loans and leases to total assets | 62.1001% | 3,590 |
| Net loans and leases to deposits | 81.3626% | 2,721 |
| Net loans and leases to core deposits | 88.4524% | 2,617 |
| Total domestic deposits to total assets | 76.3250% | 5,440 |
| Equity capital to assets | 7.9865% | 5,958 |
| Core capital (leverage) ratio | 8.4628% | 5,581 |
| Tier 1 risk-based capital ratio | 11.1946% | 5,554 |
| Total risk-based capital ratio | 12.4528% | 5,445 |
| Memoranda: | ||
| Average total assets | $101,839,250 | 4,474 |
| Average earning assets | $94,208,500 | 4,480 |
| Average equity | $8,080,750 | 5,112 |
| Average total loans | $63,226,750 | 4,330 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1385% | 2,760 |
| Cost of funding earning assets | 1.0367% | 140 |
| Net interest margin | 3.1018% | 4,969 |
| Noninterest income to average assets | 0.6309% | 2,578 |
| Noninterest expense to average assets | 2.5685% | 4,010 |
| Loan and lease loss provision to assets | 0.0664% | 2,787 |
| Net operating income to assets | 0.6372% | 4,186 |
| Return on assets (ROA) | 0.6172% | 4,384 |
| Pretax return on assets | 0.8438% | 4,147 |
| Return on Equity (ROE) | 7.7951% | 3,167 |
| Retained earnings to average equity (ytd only) | 5.9697% | 2,260 |
| Net charge-offs to loans | -0.0032% | 4,655 |
| Credit loss provision to net charge-offs | -3,400.0000% | 5,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2033% | 2,799 |
| Assets per employee ($millions) | 4.3482% | 3,213 |
| Cash dividends to net income (ytd only)* | 23.4177% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9750% | 1,022 |
| Loan loss allowance to noncurrent loans | 59.6907% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 2.1538% | 986 |
| Noncurrent loans to loans | 3.3087% | 550 |
| Net loans and leases to total assets | 61.2915% | 3,655 |
| Net loans and leases to deposits | 79.3119% | 2,870 |
| Net loans and leases to core deposits | 86.0877% | 2,756 |
| Total domestic deposits to total assets | 77.2790% | 5,414 |
| Equity capital to assets | 7.9863% | 5,989 |
| Core capital (leverage) ratio | 8.5808% | 5,462 |
| Tier 1 risk-based capital ratio | 11.6080% | 5,402 |
| Total risk-based capital ratio | 12.8625% | 5,312 |
| Memoranda: | ||
| Average total assets | $102,396,000 | 4,506 |
| Average earning assets | $94,913,000 | 4,497 |
| Average equity | $8,107,670 | 5,140 |
| Average total loans | $63,091,330 | 4,366 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 2,869 |
| Cost of funding earning assets | 0.9918% | 191 |
| Net interest margin | 3.1000% | 4,952 |
| Noninterest income to average assets | 0.5753% | 2,800 |
| Noninterest expense to average assets | 2.6451% | 3,764 |
| Loan and lease loss provision to assets | 0.1313% | 1,578 |
| Net operating income to assets | 0.5116% | 4,621 |
| Return on assets (ROA) | 0.5174% | 4,716 |
| Pretax return on assets | 0.6912% | 4,619 |
| Return on Equity (ROE) | 6.5622% | 3,729 |
| Retained earnings to average equity (ytd only) | 4.3585% | 3,401 |
| Net charge-offs to loans | -0.0631% | 5,642 |
| Credit loss provision to net charge-offs | -340.0000% | 4,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4509% | 2,437 |
| Assets per employee ($millions) | 4.4988% | 3,057 |
| Cash dividends to net income (ytd only)* | 33.5821% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9807% | 1,118 |
| Loan loss allowance to noncurrent loans | 58.9294% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 2.1078% | 1,096 |
| Noncurrent loans to loans | 3.3611% | 595 |
| Net loans and leases to total assets | 59.4957% | 3,729 |
| Net loans and leases to deposits | 74.7583% | 3,189 |
| Net loans and leases to core deposits | 80.0338% | 3,162 |
| Total domestic deposits to total assets | 79.5840% | 5,149 |
| Equity capital to assets | 8.0620% | 6,003 |
| Core capital (leverage) ratio | 8.2742% | 5,760 |
| Tier 1 risk-based capital ratio | 11.8681% | 5,326 |
| Total risk-based capital ratio | 13.1250% | 5,212 |
| Memoranda: | ||
| Average total assets | $103,589,500 | 4,510 |
| Average earning assets | $96,387,500 | 4,495 |
| Average equity | $8,168,000 | 5,176 |
| Average total loans | $63,371,000 | 4,385 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 3,338 |
| Cost of funding earning assets | 0.9949% | 237 |
| Net interest margin | 3.1026% | 5,201 |
| Noninterest income to average assets | 0.7181% | 2,222 |
| Noninterest expense to average assets | 2.5798% | 4,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7291% | 3,743 |
| Return on assets (ROA) | 0.7775% | 3,574 |
| Pretax return on assets | 1.0673% | 3,219 |
| Return on Equity (ROE) | 11.0748% | 1,704 |
| Retained earnings to average equity (ytd only) | 9.1163% | 684 |
| Net charge-offs to loans | 0.0827% | 3,318 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 21.0833% | 1,696 |
| Efficiency ratio | 71.9890% | 3,216 |
| Assets per employee ($millions) | 4.5090% | 3,022 |
| Cash dividends to net income (ytd only)* | 17.6845% | 3,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8769% | 1,369 |
| Loan loss allowance to noncurrent loans | 68.5714% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.7550% | 1,503 |
| Noncurrent loans to loans | 2.7371% | 886 |
| Net loans and leases to total assets | 60.4941% | 3,719 |
| Net loans and leases to deposits | 78.2547% | 2,945 |
| Net loans and leases to core deposits | 83.6938% | 2,926 |
| Total domestic deposits to total assets | 77.3041% | 5,551 |
| Equity capital to assets | 7.7083% | 6,173 |
| Core capital (leverage) ratio | 8.3756% | 5,697 |
| Tier 1 risk-based capital ratio | 10.5603% | 6,075 |
| Total risk-based capital ratio | 11.8125% | 6,020 |
| Memoranda: | ||
| Average total assets | $101,094,200 | 4,576 |
| Average earning assets | $93,275,200 | 4,574 |
| Average equity | $7,097,200 | 5,391 |
| Average total loans | $58,065,200 | 4,546 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1638% | 3,117 |
| Cost of funding earning assets | 0.9970% | 251 |
| Net interest margin | 3.1668% | 5,071 |
| Noninterest income to average assets | 0.6584% | 2,529 |
| Noninterest expense to average assets | 2.5713% | 4,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7712% | 3,558 |
| Return on assets (ROA) | 0.7978% | 3,536 |
| Pretax return on assets | 1.0394% | 3,427 |
| Return on Equity (ROE) | 11.6588% | 1,572 |
| Retained earnings to average equity (ytd only) | 9.5250% | 831 |
| Net charge-offs to loans | 0.1578% | 2,226 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 11.2987% | 2,441 |
| Efficiency ratio | 71.8634% | 3,206 |
| Assets per employee ($millions) | 4.4186% | 3,108 |
| Cash dividends to net income (ytd only)* | 18.3025% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9413% | 1,371 |
| Loan loss allowance to noncurrent loans | 87.6763% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.3943% | 2,213 |
| Noncurrent loans to loans | 2.2142% | 1,368 |
| Net loans and leases to total assets | 58.6990% | 3,975 |
| Net loans and leases to deposits | 78.0189% | 2,948 |
| Net loans and leases to core deposits | 84.4097% | 2,838 |
| Total domestic deposits to total assets | 75.2369% | 5,903 |
| Equity capital to assets | 7.5019% | 6,301 |
| Core capital (leverage) ratio | 8.3918% | 5,760 |
| Tier 1 risk-based capital ratio | 10.8214% | 6,083 |
| Total risk-based capital ratio | 12.0746% | 6,025 |
| Memoranda: | ||
| Average total assets | $100,441,250 | 4,635 |
| Average earning assets | $92,542,250 | 4,636 |
| Average equity | $6,873,000 | 5,496 |
| Average total loans | $56,597,500 | 4,641 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1414% | 3,184 |
| Cost of funding earning assets | 0.9908% | 267 |
| Net interest margin | 3.1506% | 5,088 |
| Noninterest income to average assets | 0.5737% | 2,969 |
| Noninterest expense to average assets | 2.5208% | 4,506 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7250% | 3,702 |
| Return on assets (ROA) | 0.7736% | 3,551 |
| Pretax return on assets | 1.0155% | 3,421 |
| Return on Equity (ROE) | 11.6871% | 1,524 |
| Retained earnings to average equity (ytd only) | 9.3618% | 860 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5389% | 3,234 |
| Assets per employee ($millions) | 4.3283% | 3,215 |
| Cash dividends to net income (ytd only)* | 19.8966% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2048% | 1,016 |
| Loan loss allowance to noncurrent loans | 82.4851% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.5901% | 2,060 |
| Noncurrent loans to loans | 2.6730% | 1,136 |
| Net loans and leases to total assets | 55.6057% | 4,334 |
| Net loans and leases to deposits | 70.3782% | 3,771 |
| Net loans and leases to core deposits | 75.7005% | 3,651 |
| Total domestic deposits to total assets | 79.0098% | 5,452 |
| Equity capital to assets | 7.3781% | 6,376 |
| Core capital (leverage) ratio | 8.1569% | 5,974 |
| Tier 1 risk-based capital ratio | 10.9519% | 6,069 |
| Total risk-based capital ratio | 12.2070% | 6,010 |
| Memoranda: | ||
| Average total assets | $100,046,000 | 4,683 |
| Average earning assets | $92,045,330 | 4,678 |
| Average equity | $6,622,670 | 5,578 |
| Average total loans | $55,185,000 | 4,712 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0427% | 3,511 |
| Cost of funding earning assets | 0.9835% | 295 |
| Net interest margin | 3.0592% | 5,365 |
| Noninterest income to average assets | 0.5504% | 3,047 |
| Noninterest expense to average assets | 2.5246% | 4,540 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6526% | 3,940 |
| Return on assets (ROA) | 0.6621% | 3,976 |
| Pretax return on assets | 0.8415% | 3,933 |
| Return on Equity (ROE) | 10.6045% | 1,819 |
| Retained earnings to average equity (ytd only) | 8.8158% | 1,308 |
| Net charge-offs to loans | 0.0661% | 2,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 23.1111% | 1,223 |
| Efficiency ratio | 75.2675% | 2,915 |
| Assets per employee ($millions) | 4.3421% | 3,263 |
| Cash dividends to net income (ytd only)* | 16.8675% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3261% | 989 |
| Loan loss allowance to noncurrent loans | 143.0716% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.9372% | 3,383 |
| Noncurrent loans to loans | 1.6259% | 2,391 |
| Net loans and leases to total assets | 52.0932% | 4,664 |
| Net loans and leases to deposits | 64.6041% | 4,258 |
| Net loans and leases to core deposits | 69.3639% | 4,166 |
| Total domestic deposits to total assets | 80.6346% | 5,339 |
| Equity capital to assets | 6.6878% | 6,503 |
| Core capital (leverage) ratio | 8.2784% | 5,868 |
| Tier 1 risk-based capital ratio | 10.8124% | 6,239 |
| Total risk-based capital ratio | 12.0673% | 6,188 |
| Memoranda: | ||
| Average total assets | $100,293,500 | 4,726 |
| Average earning assets | $91,919,500 | 4,728 |
| Average equity | $6,261,500 | 5,696 |
| Average total loans | $54,475,500 | 4,777 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0273% | 3,997 |
| Cost of funding earning assets | 1.0135% | 416 |
| Net interest margin | 3.0137% | 5,549 |
| Noninterest income to average assets | 0.5937% | 3,131 |
| Noninterest expense to average assets | 2.4373% | 4,963 |
| Loan and lease loss provision to assets | 0.5897% | 427 |
| Net operating income to assets | 0.3492% | 5,333 |
| Return on assets (ROA) | 0.3266% | 5,536 |
| Pretax return on assets | 0.3306% | 5,644 |
| Return on Equity (ROE) | 4.8532% | 4,694 |
| Retained earnings to average equity (ytd only) | 2.5520% | 4,435 |
| Net charge-offs to loans | 0.7014% | 919 |
| Credit loss provision to net charge-offs | 160.5405% | 1,427 |
| Earnings coverage of net charge-offs (x) | 2.5676% | 4,150 |
| Efficiency ratio | 72.0117% | 3,470 |
| Assets per employee ($millions) | 4.3790% | 3,123 |
| Cash dividends to net income (ytd only)* | 47.4164% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2411% | 1,123 |
| Loan loss allowance to noncurrent loans | 107.5862% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.2212% | 2,961 |
| Noncurrent loans to loans | 2.0831% | 1,902 |
| Net loans and leases to total assets | 54.0509% | 4,577 |
| Net loans and leases to deposits | 66.8398% | 4,199 |
| Net loans and leases to core deposits | 70.9562% | 4,193 |
| Total domestic deposits to total assets | 80.8664% | 5,216 |
| Equity capital to assets | 5.8023% | 6,634 |
| Core capital (leverage) ratio | 8.0155% | 6,121 |
| Tier 1 risk-based capital ratio | 10.7324% | 6,290 |
| Total risk-based capital ratio | 11.9877% | 6,236 |
| Memoranda: | ||
| Average total assets | $100,725,800 | 4,720 |
| Average earning assets | $93,139,800 | 4,698 |
| Average equity | $6,779,000 | 5,624 |
| Average total loans | $52,751,200 | 4,858 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9675% | 4,251 |
| Cost of funding earning assets | 1.0115% | 463 |
| Net interest margin | 2.9560% | 5,688 |
| Noninterest income to average assets | 0.6221% | 3,026 |
| Noninterest expense to average assets | 2.4091% | 5,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7441% | 3,630 |
| Return on assets (ROA) | 0.6883% | 4,054 |
| Pretax return on assets | 0.8842% | 3,950 |
| Return on Equity (ROE) | 9.8866% | 2,230 |
| Retained earnings to average equity (ytd only) | 8.0613% | 1,386 |
| Net charge-offs to loans | -0.1512% | 6,594 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5185% | 3,504 |
| Assets per employee ($millions) | 4.3953% | 3,060 |
| Cash dividends to net income (ytd only)* | 18.4619% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9894% | 1,746 |
| Loan loss allowance to noncurrent loans | 202.0522% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.5995% | 4,641 |
| Noncurrent loans to loans | 0.9846% | 3,840 |
| Net loans and leases to total assets | 52.7796% | 4,780 |
| Net loans and leases to deposits | 65.7255% | 4,338 |
| Net loans and leases to core deposits | 69.7847% | 4,348 |
| Total domestic deposits to total assets | 80.3031% | 5,426 |
| Equity capital to assets | 6.3675% | 6,657 |
| Core capital (leverage) ratio | 8.2395% | 6,024 |
| Tier 1 risk-based capital ratio | 11.5145% | 6,055 |
| Total risk-based capital ratio | 12.7672% | 6,016 |
| Memoranda: | ||
| Average total assets | $100,727,750 | 4,768 |
| Average earning assets | $93,457,000 | 4,740 |
| Average equity | $7,012,750 | 5,632 |
| Average total loans | $52,017,250 | 4,929 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 4,513 |
| Cost of funding earning assets | 1.0193% | 491 |
| Net interest margin | 2.8721% | 5,845 |
| Noninterest income to average assets | 0.5149% | 3,743 |
| Noninterest expense to average assets | 2.3657% | 5,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7555% | 3,534 |
| Return on assets (ROA) | 0.5964% | 4,486 |
| Pretax return on assets | 0.6481% | 4,849 |
| Return on Equity (ROE) | 8.3279% | 2,931 |
| Retained earnings to average equity (ytd only) | 6.2737% | 2,276 |
| Net charge-offs to loans | -0.2382% | 6,709 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1110% | 3,108 |
| Assets per employee ($millions) | 4.5395% | 2,759 |
| Cash dividends to net income (ytd only)* | 24.6667% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0887% | 1,656 |
| Loan loss allowance to noncurrent loans | 144.2819% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 4,155 |
| Noncurrent loans to loans | 1.4476% | 3,131 |
| Net loans and leases to total assets | 50.9282% | 5,007 |
| Net loans and leases to deposits | 67.8567% | 4,035 |
| Net loans and leases to core deposits | 71.8979% | 4,055 |
| Total domestic deposits to total assets | 75.0526% | 6,351 |
| Equity capital to assets | 6.3372% | 6,711 |
| Core capital (leverage) ratio | 8.0272% | 6,169 |
| Tier 1 risk-based capital ratio | 11.8739% | 5,862 |
| Total risk-based capital ratio | 13.1283% | 5,820 |
| Memoranda: | ||
| Average total assets | $100,606,330 | 4,798 |
| Average earning assets | $93,589,330 | 4,765 |
| Average equity | $7,204,670 | 5,634 |
| Average total loans | $51,210,000 | 4,977 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8245% | 4,736 |
| Cost of funding earning assets | 1.0196% | 553 |
| Net interest margin | 2.8049% | 6,022 |
| Noninterest income to average assets | 0.5150% | 3,680 |
| Noninterest expense to average assets | 2.3451% | 5,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6593% | 3,906 |
| Return on assets (ROA) | 0.7447% | 3,596 |
| Pretax return on assets | 0.8992% | 3,767 |
| Return on Equity (ROE) | 9.8397% | 2,121 |
| Retained earnings to average equity (ytd only) | 7.9032% | 1,782 |
| Net charge-offs to loans | -0.6845% | 6,892 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5271% | 3,172 |
| Assets per employee ($millions) | 4.5481% | 2,891 |
| Cash dividends to net income (ytd only)* | 19.6809% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1992% | 1,586 |
| Loan loss allowance to noncurrent loans | 164.5926% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.7546% | 4,488 |
| Noncurrent loans to loans | 1.3362% | 3,564 |
| Net loans and leases to total assets | 49.3784% | 5,068 |
| Net loans and leases to deposits | 60.9504% | 4,686 |
| Net loans and leases to core deposits | 64.7112% | 4,680 |
| Total domestic deposits to total assets | 81.0140% | 5,492 |
| Equity capital to assets | 7.6965% | 6,527 |
| Core capital (leverage) ratio | 8.0557% | 6,089 |
| Tier 1 risk-based capital ratio | 12.1235% | 5,837 |
| Total risk-based capital ratio | 13.3783% | 5,785 |
| Memoranda: | ||
| Average total assets | $100,974,500 | 4,842 |
| Average earning assets | $94,549,500 | 4,775 |
| Average equity | $7,642,500 | 5,598 |
| Average total loans | $50,841,500 | 5,022 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2835% | 4,261 |
| Cost of funding earning assets | 1.2053% | 561 |
| Net interest margin | 3.0782% | 5,865 |
| Noninterest income to average assets | 0.6651% | 2,907 |
| Noninterest expense to average assets | 2.5702% | 4,857 |
| Loan and lease loss provision to assets | 0.5254% | 1,106 |
| Net operating income to assets | 0.3161% | 5,413 |
| Return on assets (ROA) | 1.0077% | 2,520 |
| Pretax return on assets | 1.4122% | 2,004 |
| Return on Equity (ROE) | 12.9992% | 1,221 |
| Retained earnings to average equity (ytd only) | 11.8063% | 346 |
| Net charge-offs to loans | 0.9573% | 1,153 |
| Credit loss provision to net charge-offs | 109.8901% | 2,663 |
| Earnings coverage of net charge-offs (x) | 2.0154% | 4,405 |
| Efficiency ratio | 72.0488% | 3,405 |
| Assets per employee ($millions) | 4.6314% | 2,730 |
| Cash dividends to net income (ytd only)* | 9.1762% | 4,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0014% | 2,016 |
| Loan loss allowance to noncurrent loans | 112.5275% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 1.2651% | 3,535 |
| Noncurrent loans to loans | 1.7786% | 2,951 |
| Net loans and leases to total assets | 49.2104% | 5,281 |
| Net loans and leases to deposits | 66.8262% | 4,161 |
| Net loans and leases to core deposits | 70.7447% | 4,198 |
| Total domestic deposits to total assets | 73.6395% | 6,565 |
| Equity capital to assets | 7.4432% | 6,653 |
| Core capital (leverage) ratio | 7.9922% | 6,198 |
| Tier 1 risk-based capital ratio | 11.6483% | 6,000 |
| Total risk-based capital ratio | 12.9013% | 5,960 |
| Memoranda: | ||
| Average total assets | $95,169,000 | 4,959 |
| Average earning assets | $88,689,000 | 4,905 |
| Average equity | $7,377,400 | 5,670 |
| Average total loans | $47,527,800 | 5,195 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 3,960 |
| Cost of funding earning assets | 1.2475% | 557 |
| Net interest margin | 3.1731% | 5,762 |
| Noninterest income to average assets | 0.6746% | 2,855 |
| Noninterest expense to average assets | 2.6812% | 4,449 |
| Loan and lease loss provision to assets | 0.7131% | 705 |
| Net operating income to assets | 0.1667% | 5,996 |
| Return on assets (ROA) | 0.9798% | 2,838 |
| Pretax return on assets | 1.3506% | 2,409 |
| Return on Equity (ROE) | 12.5036% | 1,459 |
| Retained earnings to average equity (ytd only) | 11.8483% | 556 |
| Net charge-offs to loans | 1.0210% | 1,040 |
| Credit loss provision to net charge-offs | 140.0560% | 2,062 |
| Earnings coverage of net charge-offs (x) | 1.8655% | 4,326 |
| Efficiency ratio | 73.1343% | 3,128 |
| Assets per employee ($millions) | 4.2338% | 3,396 |
| Cash dividends to net income (ytd only)* | 5.2403% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3834% | 1,392 |
| Loan loss allowance to noncurrent loans | 152.8610% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 1.1949% | 3,896 |
| Noncurrent loans to loans | 1.5592% | 3,442 |
| Net loans and leases to total assets | 49.3354% | 5,397 |
| Net loans and leases to deposits | 61.7864% | 4,991 |
| Net loans and leases to core deposits | 65.4573% | 5,003 |
| Total domestic deposits to total assets | 79.8484% | 5,702 |
| Equity capital to assets | 8.2195% | 6,477 |
| Core capital (leverage) ratio | 8.0593% | 6,278 |
| Tier 1 risk-based capital ratio | 12.2814% | 5,783 |
| Total risk-based capital ratio | 13.5380% | 5,749 |
| Memoranda: | ||
| Average total assets | $93,488,500 | 5,048 |
| Average earning assets | $87,105,750 | 4,986 |
| Average equity | $7,325,750 | 5,740 |
| Average total loans | $46,618,500 | 5,290 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5625% | 3,520 |
| Cost of funding earning assets | 1.2702% | 598 |
| Net interest margin | 3.2923% | 5,459 |
| Noninterest income to average assets | 0.5769% | 3,397 |
| Noninterest expense to average assets | 2.6666% | 4,551 |
| Loan and lease loss provision to assets | 0.9423% | 483 |
| Net operating income to assets | 0.0311% | 6,282 |
| Return on assets (ROA) | 0.8290% | 3,514 |
| Pretax return on assets | 1.0726% | 3,403 |
| Return on Equity (ROE) | 10.7544% | 2,076 |
| Retained earnings to average equity (ytd only) | 10.7544% | 794 |
| Net charge-offs to loans | 1.5151% | 659 |
| Credit loss provision to net charge-offs | 125.2841% | 2,189 |
| Earnings coverage of net charge-offs (x) | 1.3011% | 4,352 |
| Efficiency ratio | 72.4502% | 3,352 |
| Assets per employee ($millions) | 3.9238% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4006% | 1,410 |
| Loan loss allowance to noncurrent loans | 121.7788% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 1.3337% | 3,773 |
| Noncurrent loans to loans | 1.9713% | 2,975 |
| Net loans and leases to total assets | 46.1087% | 5,814 |
| Net loans and leases to deposits | 58.0339% | 5,442 |
| Net loans and leases to core deposits | 61.6889% | 5,419 |
| Total domestic deposits to total assets | 79.4512% | 5,872 |
| Equity capital to assets | 7.9037% | 6,632 |
| Core capital (leverage) ratio | 7.6120% | 6,562 |
| Tier 1 risk-based capital ratio | 12.7969% | 5,342 |
| Total risk-based capital ratio | 14.0546% | 5,307 |
| Memoranda: | ||
| Average total assets | $93,603,330 | 5,079 |
| Average earning assets | $87,232,670 | 5,017 |
| Average equity | $7,215,670 | 5,783 |
| Average total loans | $46,466,330 | 5,327 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5314% | 3,792 |
| Cost of funding earning assets | 1.2894% | 655 |
| Net interest margin | 3.2420% | 5,656 |
| Noninterest income to average assets | 0.5744% | 3,387 |
| Noninterest expense to average assets | 2.5718% | 4,918 |
| Loan and lease loss provision to assets | 0.1286% | 3,735 |
| Net operating income to assets | 0.5253% | 4,711 |
| Return on assets (ROA) | 1.3373% | 1,518 |
| Pretax return on assets | 2.1603% | 576 |
| Return on Equity (ROE) | 17.5725% | 599 |
| Retained earnings to average equity (ytd only) | 17.5725% | 281 |
| Net charge-offs to loans | 0.1602% | 3,133 |
| Credit loss provision to net charge-offs | 157.8947% | 1,605 |
| Earnings coverage of net charge-offs (x) | 12.5263% | 1,592 |
| Efficiency ratio | 70.8831% | 3,644 |
| Assets per employee ($millions) | 3.8798% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1875% | 1,908 |
| Loan loss allowance to noncurrent loans | 83.2632% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.6839% | 3,336 |
| Noncurrent loans to loans | 2.6272% | 2,476 |
| Net loans and leases to total assets | 47.5407% | 5,619 |
| Net loans and leases to deposits | 59.5592% | 5,207 |
| Net loans and leases to core deposits | 63.3314% | 5,194 |
| Total domestic deposits to total assets | 79.8209% | 5,892 |
| Equity capital to assets | 7.7774% | 6,641 |
| Core capital (leverage) ratio | 7.7273% | 6,463 |
| Tier 1 risk-based capital ratio | 12.1316% | 5,878 |
| Total risk-based capital ratio | 13.3862% | 5,852 |
| Memoranda: | ||
| Average total assets | $93,319,500 | 5,115 |
| Average earning assets | $86,860,500 | 5,057 |
| Average equity | $7,102,000 | 5,842 |
| Average total loans | $47,455,000 | 5,321 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0800% | 2,530 |
| Cost of funding earning assets | 1.5161% | 670 |
| Net interest margin | 3.5639% | 4,876 |
| Noninterest income to average assets | 0.6346% | 2,981 |
| Noninterest expense to average assets | 2.5817% | 5,166 |
| Loan and lease loss provision to assets | 1.6962% | 400 |
| Net operating income to assets | -0.0768% | 6,140 |
| Return on assets (ROA) | 0.1370% | 5,903 |
| Pretax return on assets | -0.0084% | 6,141 |
| Return on Equity (ROE) | 1.9414% | 5,683 |
| Retained earnings to average equity (ytd only) | 1.0454% | 5,368 |
| Net charge-offs to loans | 2.0534% | 664 |
| Credit loss provision to net charge-offs | 163.0193% | 1,683 |
| Earnings coverage of net charge-offs (x) | 1.3009% | 4,804 |
| Efficiency ratio | 64.9879% | 4,954 |
| Assets per employee ($millions) | 3.8968% | 4,085 |
| Cash dividends to net income (ytd only)* | 46.1538% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9717% | 2,365 |
| Loan loss allowance to noncurrent loans | 100.7202% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.4446% | 3,820 |
| Noncurrent loans to loans | 1.9576% | 3,263 |
| Net loans and leases to total assets | 52.0439% | 5,304 |
| Net loans and leases to deposits | 65.3320% | 4,830 |
| Net loans and leases to core deposits | 70.5334% | 4,719 |
| Total domestic deposits to total assets | 79.6606% | 5,829 |
| Equity capital to assets | 7.4442% | 6,835 |
| Core capital (leverage) ratio | 7.2729% | 6,754 |
| Tier 1 risk-based capital ratio | 11.3486% | 6,256 |
| Total risk-based capital ratio | 12.6028% | 6,243 |
| Memoranda: | ||
| Average total assets | $94,861,600 | 5,051 |
| Average earning assets | $87,854,200 | 4,992 |
| Average equity | $6,696,200 | 5,956 |
| Average total loans | $48,067,200 | 5,346 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1209% | 2,511 |
| Cost of funding earning assets | 1.5532% | 713 |
| Net interest margin | 3.5677% | 4,911 |
| Noninterest income to average assets | 0.6863% | 2,690 |
| Noninterest expense to average assets | 2.6065% | 5,056 |
| Loan and lease loss provision to assets | 2.2115% | 227 |
| Net operating income to assets | -0.3622% | 6,555 |
| Return on assets (ROA) | -0.3711% | 6,613 |
| Pretax return on assets | -0.8417% | 6,804 |
| Return on Equity (ROE) | -5.3293% | 6,691 |
| Retained earnings to average equity (ytd only) | -6.5360% | 6,674 |
| Net charge-offs to loans | 2.7605% | 369 |
| Credit loss provision to net charge-offs | 159.9797% | 1,925 |
| Earnings coverage of net charge-offs (x) | 1.0010% | 4,877 |
| Efficiency ratio | 64.7245% | 4,949 |
| Assets per employee ($millions) | 4.1156% | 3,609 |
| Cash dividends to net income (ytd only)* | -22.6424% | 7,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0526% | 2,198 |
| Loan loss allowance to noncurrent loans | 72.7203% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.7790% | 3,429 |
| Noncurrent loans to loans | 2.8226% | 2,468 |
| Net loans and leases to total assets | 47.8406% | 5,975 |
| Net loans and leases to deposits | 63.1150% | 5,278 |
| Net loans and leases to core deposits | 68.6594% | 5,100 |
| Total domestic deposits to total assets | 75.7992% | 6,552 |
| Equity capital to assets | 7.3052% | 6,982 |
| Core capital (leverage) ratio | 6.7764% | 7,014 |
| Tier 1 risk-based capital ratio | 11.2963% | 6,362 |
| Total risk-based capital ratio | 12.5505% | 6,353 |
| Memoranda: | ||
| Average total assets | $95,196,250 | 5,068 |
| Average earning assets | $88,159,000 | 5,023 |
| Average equity | $6,629,750 | 6,020 |
| Average total loans | $47,671,000 | 5,398 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1876% | 2,308 |
| Cost of funding earning assets | 1.5816% | 756 |
| Net interest margin | 3.6060% | 4,703 |
| Noninterest income to average assets | 0.6081% | 3,079 |
| Noninterest expense to average assets | 2.4933% | 5,568 |
| Loan and lease loss provision to assets | 3.0784% | 144 |
| Net operating income to assets | -0.8339% | 6,886 |
| Return on assets (ROA) | -1.0191% | 6,956 |
| Pretax return on assets | -1.9061% | 7,150 |
| Return on Equity (ROE) | -14.8745% | 7,061 |
| Retained earnings to average equity (ytd only) | -16.7109% | 7,081 |
| Net charge-offs to loans | 3.7300% | 234 |
| Credit loss provision to net charge-offs | 163.4744% | 1,851 |
| Earnings coverage of net charge-offs (x) | 0.7762% | 4,721 |
| Efficiency ratio | 62.4072% | 5,521 |
| Assets per employee ($millions) | 3.9772% | 3,800 |
| Cash dividends to net income (ytd only)* | -12.3457% | 7,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9768% | 2,435 |
| Loan loss allowance to noncurrent loans | 62.3403% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.8816% | 3,392 |
| Noncurrent loans to loans | 3.1710% | 2,262 |
| Net loans and leases to total assets | 48.1567% | 6,033 |
| Net loans and leases to deposits | 62.7262% | 5,424 |
| Net loans and leases to core deposits | 67.8470% | 5,307 |
| Total domestic deposits to total assets | 76.7729% | 6,484 |
| Equity capital to assets | 6.8159% | 7,140 |
| Core capital (leverage) ratio | 6.5843% | 7,108 |
| Tier 1 risk-based capital ratio | 10.8129% | 6,648 |
| Total risk-based capital ratio | 12.0671% | 6,620 |
| Memoranda: | ||
| Average total assets | $95,375,670 | 5,092 |
| Average earning assets | $88,518,330 | 5,039 |
| Average equity | $6,534,670 | 6,071 |
| Average total loans | $48,150,000 | 5,432 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2086% | 2,193 |
| Cost of funding earning assets | 1.6263% | 741 |
| Net interest margin | 3.5823% | 4,654 |
| Noninterest income to average assets | 0.5203% | 3,728 |
| Noninterest expense to average assets | 2.4964% | 5,567 |
| Loan and lease loss provision to assets | 0.0839% | 4,946 |
| Net operating income to assets | 0.9446% | 2,377 |
| Return on assets (ROA) | 1.0657% | 2,009 |
| Pretax return on assets | 1.4307% | 1,645 |
| Return on Equity (ROE) | 15.5138% | 737 |
| Retained earnings to average equity (ytd only) | 13.3150% | 543 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2312% | 5,324 |
| Assets per employee ($millions) | 4.0420% | 3,755 |
| Cash dividends to net income (ytd only)* | 14.1732% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7891% | 6,940 |
| Loan loss allowance to noncurrent loans | 66.8440% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.1445% | 4,647 |
| Noncurrent loans to loans | 1.1805% | 4,715 |
| Net loans and leases to total assets | 50.9842% | 5,713 |
| Net loans and leases to deposits | 65.3793% | 5,066 |
| Net loans and leases to core deposits | 69.9818% | 5,044 |
| Total domestic deposits to total assets | 77.9823% | 6,386 |
| Equity capital to assets | 7.2822% | 6,985 |
| Core capital (leverage) ratio | 7.3374% | 6,833 |
| Tier 1 risk-based capital ratio | 11.7604% | 5,889 |
| Total risk-based capital ratio | 12.3898% | 6,372 |
| Memoranda: | ||
| Average total assets | $95,337,000 | 5,124 |
| Average earning assets | $88,546,000 | 5,073 |
| Average equity | $6,549,000 | 6,076 |
| Average total loans | $48,778,000 | 5,448 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3546% | 2,876 |
| Cost of funding earning assets | 2.1011% | 428 |
| Net interest margin | 3.2535% | 6,117 |
| Noninterest income to average assets | 0.6382% | 3,223 |
| Noninterest expense to average assets | 2.3362% | 6,251 |
| Loan and lease loss provision to assets | 0.0925% | 6,218 |
| Net operating income to assets | 0.9107% | 2,341 |
| Return on assets (ROA) | 0.9775% | 2,228 |
| Pretax return on assets | 1.3068% | 1,911 |
| Return on Equity (ROE) | 13.6497% | 953 |
| Retained earnings to average equity (ytd only) | 11.5400% | 321 |
| Net charge-offs to loans | 0.0832% | 5,998 |
| Credit loss provision to net charge-offs | 221.6216% | 1,352 |
| Earnings coverage of net charge-offs (x) | 31.4054% | 706 |
| Efficiency ratio | 63.3890% | 5,445 |
| Assets per employee ($millions) | 4.2482% | 3,295 |
| Cash dividends to net income (ytd only)* | 15.4556% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7171% | 7,114 |
| Loan loss allowance to noncurrent loans | 51.4409% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 0.7103% | 5,577 |
| Noncurrent loans to loans | 1.3941% | 4,394 |
| Net loans and leases to total assets | 50.5834% | 6,102 |
| Net loans and leases to deposits | 72.3557% | 4,456 |
| Net loans and leases to core deposits | 77.7461% | 4,485 |
| Total domestic deposits to total assets | 69.9093% | 7,241 |
| Equity capital to assets | 6.4764% | 7,260 |
| Core capital (leverage) ratio | 7.2880% | 6,850 |
| Tier 1 risk-based capital ratio | 10.7693% | 6,515 |
| Total risk-based capital ratio | 11.3319% | 6,924 |
| Memoranda: | ||
| Average total assets | $88,691,400 | 5,329 |
| Average earning assets | $82,004,200 | 5,275 |
| Average equity | $6,351,800 | 6,250 |
| Average total loans | $44,451,200 | 5,728 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3695% | 3,031 |
| Cost of funding earning assets | 2.2299% | 354 |
| Net interest margin | 3.1396% | 6,510 |
| Noninterest income to average assets | 0.6170% | 3,338 |
| Noninterest expense to average assets | 2.3585% | 6,155 |
| Loan and lease loss provision to assets | 0.0879% | 6,170 |
| Net operating income to assets | 0.8201% | 2,918 |
| Return on assets (ROA) | 0.8623% | 2,904 |
| Pretax return on assets | 1.1276% | 2,743 |
| Return on Equity (ROE) | 11.7229% | 1,583 |
| Retained earnings to average equity (ytd only) | 9.5628% | 896 |
| Net charge-offs to loans | 0.1020% | 5,508 |
| Credit loss provision to net charge-offs | 172.7273% | 2,134 |
| Earnings coverage of net charge-offs (x) | 22.7873% | 1,078 |
| Efficiency ratio | 66.2867% | 4,804 |
| Assets per employee ($millions) | 4.0231% | 3,791 |
| Cash dividends to net income (ytd only)* | 18.4259% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7483% | 7,113 |
| Loan loss allowance to noncurrent loans | 24.1901% | 6,696 |
| Noncurrent assets plus other real estate owned to assets | 1.5076% | 4,195 |
| Noncurrent loans to loans | 3.0933% | 2,579 |
| Net loans and leases to total assets | 48.1644% | 6,504 |
| Net loans and leases to deposits | 68.0984% | 5,406 |
| Net loans and leases to core deposits | 73.8537% | 5,308 |
| Total domestic deposits to total assets | 70.7276% | 7,235 |
| Equity capital to assets | 7.5196% | 7,120 |
| Core capital (leverage) ratio | 7.3797% | 6,956 |
| Tier 1 risk-based capital ratio | 11.3982% | 6,023 |
| Total risk-based capital ratio | 11.9828% | 6,585 |
| Memoranda: | ||
| Average total assets | $86,437,250 | 5,459 |
| Average earning assets | $79,882,000 | 5,413 |
| Average equity | $6,357,750 | 6,333 |
| Average total loans | $43,118,750 | 5,866 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4868% | 2,582 |
| Cost of funding earning assets | 2.3138% | 325 |
| Net interest margin | 3.1731% | 6,395 |
| Noninterest income to average assets | 0.5710% | 3,536 |
| Noninterest expense to average assets | 2.4050% | 6,061 |
| Loan and lease loss provision to assets | 0.0995% | 5,914 |
| Net operating income to assets | 0.8014% | 2,967 |
| Return on assets (ROA) | 0.7748% | 3,239 |
| Pretax return on assets | 0.9644% | 3,258 |
| Return on Equity (ROE) | 10.6209% | 1,882 |
| Retained earnings to average equity (ytd only) | 8.7696% | 1,189 |
| Net charge-offs to loans | -0.0141% | 7,245 |
| Credit loss provision to net charge-offs | -1,400.0000% | 6,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9296% | 4,595 |
| Assets per employee ($millions) | 3.9344% | 3,897 |
| Cash dividends to net income (ytd only)* | 17.4312% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8139% | 7,002 |
| Loan loss allowance to noncurrent loans | 39.1447% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 1.0606% | 5,018 |
| Noncurrent loans to loans | 2.0792% | 3,620 |
| Net loans and leases to total assets | 50.2640% | 6,401 |
| Net loans and leases to deposits | 64.6723% | 5,956 |
| Net loans and leases to core deposits | 69.4434% | 5,924 |
| Total domestic deposits to total assets | 77.7210% | 6,333 |
| Equity capital to assets | 7.5811% | 7,071 |
| Core capital (leverage) ratio | 7.4196% | 6,903 |
| Tier 1 risk-based capital ratio | 11.9296% | 5,374 |
| Total risk-based capital ratio | 12.5994% | 5,891 |
| Memoranda: | ||
| Average total assets | $84,406,000 | 5,552 |
| Average earning assets | $77,968,330 | 5,506 |
| Average equity | $6,157,670 | 6,420 |
| Average total loans | $42,524,000 | 5,928 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3886% | 3,091 |
| Cost of funding earning assets | 2.3302% | 391 |
| Net interest margin | 3.0584% | 6,695 |
| Noninterest income to average assets | 0.5136% | 3,943 |
| Noninterest expense to average assets | 2.4145% | 6,035 |
| Loan and lease loss provision to assets | 0.0720% | 5,918 |
| Net operating income to assets | 0.7089% | 3,399 |
| Return on assets (ROA) | 0.7248% | 3,444 |
| Pretax return on assets | 0.8688% | 3,588 |
| Return on Equity (ROE) | 10.1419% | 2,054 |
| Retained earnings to average equity (ytd only) | 7.8583% | 1,769 |
| Net charge-offs to loans | -0.0382% | 7,269 |
| Credit loss provision to net charge-offs | -375.0000% | 6,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6547% | 3,986 |
| Assets per employee ($millions) | 3.8150% | 4,276 |
| Cash dividends to net income (ytd only)* | 22.5166% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7981% | 7,132 |
| Loan loss allowance to noncurrent loans | 43.4383% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 0.9079% | 5,341 |
| Noncurrent loans to loans | 1.8374% | 4,014 |
| Net loans and leases to total assets | 49.0176% | 6,579 |
| Net loans and leases to deposits | 62.0812% | 6,266 |
| Net loans and leases to core deposits | 66.2886% | 6,262 |
| Total domestic deposits to total assets | 78.9572% | 6,090 |
| Equity capital to assets | 7.0750% | 7,335 |
| Core capital (leverage) ratio | 7.3624% | 6,976 |
| Tier 1 risk-based capital ratio | 11.8751% | 5,320 |
| Total risk-based capital ratio | 12.5091% | 5,855 |
| Memoranda: | ||
| Average total assets | $83,330,500 | 5,653 |
| Average earning assets | $76,903,500 | 5,607 |
| Average equity | $5,955,500 | 6,535 |
| Average total loans | $41,854,000 | 6,033 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8853% | 2,299 |
| Cost of funding earning assets | 2.8250% | 407 |
| Net interest margin | 3.0602% | 6,491 |
| Noninterest income to average assets | 0.7112% | 2,891 |
| Noninterest expense to average assets | 2.6443% | 5,615 |
| Loan and lease loss provision to assets | 0.3254% | 4,865 |
| Net operating income to assets | 0.5156% | 3,670 |
| Return on assets (ROA) | 0.5736% | 3,504 |
| Pretax return on assets | 0.5968% | 3,909 |
| Return on Equity (ROE) | 8.3097% | 2,259 |
| Retained earnings to average equity (ytd only) | 5.9994% | 1,341 |
| Net charge-offs to loans | 0.6268% | 3,329 |
| Credit loss provision to net charge-offs | 102.0161% | 5,420 |
| Earnings coverage of net charge-offs (x) | 2.7016% | 3,753 |
| Efficiency ratio | 74.6515% | 3,771 |
| Assets per employee ($millions) | 3.9396% | 3,933 |
| Cash dividends to net income (ytd only)* | 27.8027% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7387% | 7,290 |
| Loan loss allowance to noncurrent loans | 45.6140% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 0.8268% | 5,444 |
| Noncurrent loans to loans | 1.6194% | 4,221 |
| Net loans and leases to total assets | 50.6757% | 6,561 |
| Net loans and leases to deposits | 65.9893% | 6,047 |
| Net loans and leases to core deposits | 91.8019% | 4,912 |
| Total domestic deposits to total assets | 76.7937% | 6,533 |
| Equity capital to assets | 7.2197% | 7,249 |
| Core capital (leverage) ratio | 7.6493% | 6,617 |
| Tier 1 risk-based capital ratio | 11.3852% | 5,528 |
| Total risk-based capital ratio | 11.9683% | 6,166 |
| Memoranda: | ||
| Average total assets | $77,751,800 | 5,789 |
| Average earning assets | $71,007,600 | 5,781 |
| Average equity | $5,367,200 | 6,816 |
| Average total loans | $39,569,000 | 6,136 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0170% | 1,964 |
| Cost of funding earning assets | 2.9569% | 373 |
| Net interest margin | 3.0602% | 6,434 |
| Noninterest income to average assets | 0.7319% | 2,814 |
| Noninterest expense to average assets | 2.6333% | 5,587 |
| Loan and lease loss provision to assets | 0.3799% | 4,051 |
| Net operating income to assets | 0.5263% | 3,876 |
| Return on assets (ROA) | 0.5228% | 3,979 |
| Pretax return on assets | 0.5036% | 4,510 |
| Return on Equity (ROE) | 7.6689% | 2,780 |
| Retained earnings to average equity (ytd only) | 5.5215% | 2,193 |
| Net charge-offs to loans | 0.8637% | 2,239 |
| Credit loss provision to net charge-offs | 86.5079% | 5,579 |
| Earnings coverage of net charge-offs (x) | 2.0199% | 4,306 |
| Efficiency ratio | 74.0099% | 3,860 |
| Assets per employee ($millions) | 3.7679% | 4,265 |
| Cash dividends to net income (ytd only)* | 28.0007% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6825% | 7,411 |
| Loan loss allowance to noncurrent loans | 46.0371% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 0.7494% | 5,629 |
| Noncurrent loans to loans | 1.4825% | 4,446 |
| Net loans and leases to total assets | 50.2066% | 6,766 |
| Net loans and leases to deposits | 65.3184% | 6,369 |
| Net loans and leases to core deposits | 89.9654% | 5,438 |
| Total domestic deposits to total assets | 76.8645% | 6,372 |
| Equity capital to assets | 7.5311% | 7,276 |
| Core capital (leverage) ratio | 7.6361% | 6,819 |
| Tier 1 risk-based capital ratio | 11.7125% | 5,229 |
| Total risk-based capital ratio | 12.2440% | 5,926 |
| Memoranda: | ||
| Average total assets | $76,506,750 | 5,862 |
| Average earning assets | $69,711,250 | 5,856 |
| Average equity | $5,215,750 | 6,932 |
| Average total loans | $38,902,000 | 6,204 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1085% | 1,765 |
| Cost of funding earning assets | 3.0542% | 404 |
| Net interest margin | 3.0542% | 6,384 |
| Noninterest income to average assets | 0.6320% | 3,457 |
| Noninterest expense to average assets | 2.5597% | 5,903 |
| Loan and lease loss provision to assets | 0.0793% | 6,396 |
| Net operating income to assets | 0.6947% | 3,280 |
| Return on assets (ROA) | 0.6875% | 3,420 |
| Pretax return on assets | 0.7616% | 3,798 |
| Return on Equity (ROE) | 10.4670% | 1,858 |
| Retained earnings to average equity (ytd only) | 8.6151% | 1,032 |
| Net charge-offs to loans | 0.3841% | 3,280 |
| Credit loss provision to net charge-offs | 40.5405% | 5,895 |
| Earnings coverage of net charge-offs (x) | 4.3378% | 3,126 |
| Efficiency ratio | 74.2436% | 3,999 |
| Assets per employee ($millions) | 3.4629% | 4,916 |
| Cash dividends to net income (ytd only)* | 17.6923% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6885% | 7,449 |
| Loan loss allowance to noncurrent loans | 37.4111% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 0.9228% | 5,127 |
| Noncurrent loans to loans | 1.8403% | 3,749 |
| Net loans and leases to total assets | 49.7985% | 6,891 |
| Net loans and leases to deposits | 65.8955% | 6,401 |
| Net loans and leases to core deposits | 90.7477% | 5,476 |
| Total domestic deposits to total assets | 75.5720% | 6,641 |
| Equity capital to assets | 6.6695% | 7,761 |
| Core capital (leverage) ratio | 7.8907% | 6,505 |
| Tier 1 risk-based capital ratio | 12.0869% | 4,841 |
| Total risk-based capital ratio | 12.6159% | 5,440 |
| Memoranda: | ||
| Average total assets | $75,634,000 | 5,928 |
| Average earning assets | $68,757,000 | 5,929 |
| Average equity | $4,968,000 | 7,074 |
| Average total loans | $38,536,330 | 6,271 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0179% | 2,286 |
| Cost of funding earning assets | 3.1143% | 443 |
| Net interest margin | 2.9036% | 6,734 |
| Noninterest income to average assets | 0.5998% | 3,552 |
| Noninterest expense to average assets | 2.4522% | 6,015 |
| Loan and lease loss provision to assets | 0.0796% | 5,956 |
| Net operating income to assets | 0.6635% | 3,741 |
| Return on assets (ROA) | 0.6635% | 3,918 |
| Pretax return on assets | 0.7006% | 4,436 |
| Return on Equity (ROE) | 10.1802% | 2,251 |
| Retained earnings to average equity (ytd only) | 8.9586% | 1,498 |
| Net charge-offs to loans | 0.8578% | 1,525 |
| Credit loss provision to net charge-offs | 18.0723% | 5,093 |
| Earnings coverage of net charge-offs (x) | 1.7711% | 3,847 |
| Efficiency ratio | 75.0411% | 3,657 |
| Assets per employee ($millions) | 3.4386% | 4,972 |
| Cash dividends to net income (ytd only)* | 12.0000% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6314% | 7,608 |
| Loan loss allowance to noncurrent loans | 24.5632% | 6,935 |
| Noncurrent assets plus other real estate owned to assets | 1.3021% | 4,074 |
| Noncurrent loans to loans | 2.5703% | 2,566 |
| Net loans and leases to total assets | 49.7244% | 6,887 |
| Net loans and leases to deposits | 66.5370% | 6,328 |
| Net loans and leases to core deposits | 90.1997% | 5,537 |
| Total domestic deposits to total assets | 74.7320% | 6,756 |
| Equity capital to assets | 6.7020% | 7,810 |
| Core capital (leverage) ratio | 7.9069% | 6,603 |
| Tier 1 risk-based capital ratio | 11.9519% | 4,999 |
| Total risk-based capital ratio | 12.4362% | 5,629 |
| Memoranda: | ||
| Average total assets | $75,359,500 | 5,964 |
| Average earning assets | $68,329,000 | 5,971 |
| Average equity | $4,911,500 | 7,141 |
| Average total loans | $38,704,000 | 6,292 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3579% | 3,654 |
| Cost of funding earning assets | 3.5412% | 468 |
| Net interest margin | 2.8168% | 7,303 |
| Noninterest income to average assets | 0.8345% | 2,329 |
| Noninterest expense to average assets | 2.3153% | 6,650 |
| Loan and lease loss provision to assets | 0.0575% | 6,696 |
| Net operating income to assets | 1.0585% | 2,317 |
| Return on assets (ROA) | 0.6348% | 4,015 |
| Pretax return on assets | 0.5903% | 4,720 |
| Return on Equity (ROE) | 8.6214% | 2,785 |
| Retained earnings to average equity (ytd only) | 3.7255% | 2,817 |
| Net charge-offs to loans | 0.1687% | 4,509 |
| Credit loss provision to net charge-offs | 67.7966% | 6,111 |
| Earnings coverage of net charge-offs (x) | 12.6441% | 2,225 |
| Efficiency ratio | 67.4724% | 4,822 |
| Assets per employee ($millions) | 3.4123% | 4,908 |
| Cash dividends to net income (ytd only)* | 56.7873% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7762% | 7,185 |
| Loan loss allowance to noncurrent loans | 140.8257% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 6,423 |
| Noncurrent loans to loans | 0.5512% | 5,712 |
| Net loans and leases to total assets | 52.2792% | 6,822 |
| Net loans and leases to deposits | 70.9244% | 6,179 |
| Net loans and leases to core deposits | 95.6869% | 5,280 |
| Total domestic deposits to total assets | 73.7112% | 6,699 |
| Equity capital to assets | 6.3314% | 7,987 |
| Core capital (leverage) ratio | 7.7512% | 6,862 |
| Tier 1 risk-based capital ratio | 11.7898% | 4,990 |
| Total risk-based capital ratio | 12.4152% | 5,464 |
| Memoranda: | ||
| Average total assets | $69,623,800 | 6,047 |
| Average earning assets | $63,086,400 | 6,050 |
| Average equity | $5,126,800 | 7,106 |
| Average total loans | $34,969,000 | 6,429 |