Home > PeoplesTrust Bank > Performance and Condition Ratios
PeoplesTrust Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4521% | 760 |
| Cost of funding earning assets | 2.8596% | 628 |
| Net interest margin | 3.5925% | 1,893 |
| Noninterest income to average assets | 0.4700% | 2,077 |
| Noninterest expense to average assets | 2.2066% | 3,117 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | 1.0887% | 1,789 |
| Return on assets (ROA) | 1.0887% | 1,783 |
| Pretax return on assets | 1.4682% | 1,349 |
| Return on Equity (ROE) | 11.6200% | 1,706 |
| Retained earnings to average equity (ytd only) | 10.3259% | 526 |
| Net charge-offs to loans | 0.0628% | 1,505 |
| Credit loss provision to net charge-offs | 225.9259% | 1,061 |
| Earnings coverage of net charge-offs (x) | 36.2593% | 1,412 |
| Efficiency ratio | 58.1564% | 3,342 |
| Assets per employee ($millions) | 5.2469% | 3,473 |
| Cash dividends to net income (ytd only)* | 11.1221% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 939 |
| Loan loss allowance to noncurrent loans | 147.0416% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.7248% | 1,021 |
| Noncurrent loans to loans | 1.0384% | 973 |
| Net loans and leases to total assets | 68.7300% | 2,050 |
| Net loans and leases to deposits | 77.1020% | 2,357 |
| Net loans and leases to core deposits | 104.5044% | 1,208 |
| Total domestic deposits to total assets | 89.1500% | 1,102 |
| Equity capital to assets | 9.5692% | 2,408 |
| Core capital (leverage) ratio | 10.5004% | 2,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $184,989,000 | 3,091 |
| Average earning assets | $171,246,200 | 3,084 |
| Average equity | $17,335,000 | 3,156 |
| Average total loans | $129,027,000 | 2,911 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4746% | 717 |
| Cost of funding earning assets | 2.8530% | 645 |
| Net interest margin | 3.6215% | 1,794 |
| Noninterest income to average assets | 0.4600% | 2,078 |
| Noninterest expense to average assets | 2.1520% | 3,208 |
| Loan and lease loss provision to assets | 0.1200% | 1,074 |
| Net operating income to assets | 1.1376% | 1,659 |
| Return on assets (ROA) | 1.1376% | 1,661 |
| Pretax return on assets | 1.5353% | 1,255 |
| Return on Equity (ROE) | 12.2100% | 1,556 |
| Retained earnings to average equity (ytd only) | 10.4643% | 750 |
| Net charge-offs to loans | 0.0416% | 1,523 |
| Credit loss provision to net charge-offs | 292.5000% | 861 |
| Earnings coverage of net charge-offs (x) | 57.1750% | 1,128 |
| Efficiency ratio | 56.4961% | 3,505 |
| Assets per employee ($millions) | 5.4926% | 3,278 |
| Cash dividends to net income (ytd only)* | 14.2675% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 991 |
| Loan loss allowance to noncurrent loans | 442.7617% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2404% | 2,289 |
| Noncurrent loans to loans | 0.3435% | 2,248 |
| Net loans and leases to total assets | 68.9300% | 1,968 |
| Net loans and leases to deposits | 77.6482% | 2,374 |
| Net loans and leases to core deposits | 105.8813% | 1,146 |
| Total domestic deposits to total assets | 88.7700% | 982 |
| Equity capital to assets | 9.7516% | 2,453 |
| Core capital (leverage) ratio | 10.3090% | 2,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $184,014,500 | 3,098 |
| Average earning assets | $170,200,250 | 3,097 |
| Average equity | $17,150,000 | 3,176 |
| Average total loans | $128,323,250 | 2,920 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3982% | 710 |
| Cost of funding earning assets | 2.8107% | 648 |
| Net interest margin | 3.5875% | 1,808 |
| Noninterest income to average assets | 0.5000% | 1,865 |
| Noninterest expense to average assets | 2.1551% | 3,193 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.2179% | 1,432 |
| Return on assets (ROA) | 1.2179% | 1,435 |
| Pretax return on assets | 1.6166% | 1,106 |
| Return on Equity (ROE) | 13.2800% | 1,304 |
| Retained earnings to average equity (ytd only) | 10.6095% | 759 |
| Net charge-offs to loans | 0.0251% | 1,654 |
| Credit loss provision to net charge-offs | 262.5000% | 872 |
| Earnings coverage of net charge-offs (x) | 94.8125% | 795 |
| Efficiency ratio | 56.5330% | 3,532 |
| Assets per employee ($millions) | 5.7773% | 2,991 |
| Cash dividends to net income (ytd only)* | 20.0897% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 1,029 |
| Loan loss allowance to noncurrent loans | 550.2841% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1904% | 2,454 |
| Noncurrent loans to loans | 0.2752% | 2,388 |
| Net loans and leases to total assets | 68.1500% | 2,109 |
| Net loans and leases to deposits | 76.1525% | 2,527 |
| Net loans and leases to core deposits | 100.6246% | 1,444 |
| Total domestic deposits to total assets | 89.4900% | 846 |
| Equity capital to assets | 9.2760% | 2,547 |
| Core capital (leverage) ratio | 10.1999% | 2,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $183,103,333 | 3,107 |
| Average earning assets | $169,141,667 | 3,108 |
| Average equity | $16,796,333 | 3,179 |
| Average total loans | $127,527,667 | 2,926 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3117% | 731 |
| Cost of funding earning assets | 2.7957% | 606 |
| Net interest margin | 3.5160% | 1,877 |
| Noninterest income to average assets | 0.4900% | 1,833 |
| Noninterest expense to average assets | 2.0986% | 3,315 |
| Loan and lease loss provision to assets | 0.1400% | 749 |
| Net operating income to assets | 1.0998% | 1,661 |
| Return on assets (ROA) | 1.0998% | 1,670 |
| Pretax return on assets | 1.4927% | 1,267 |
| Return on Equity (ROE) | 12.0600% | 1,553 |
| Retained earnings to average equity (ytd only) | 6.6667% | 1,928 |
| Net charge-offs to loans | 0.0220% | 1,406 |
| Credit loss provision to net charge-offs | 457.1429% | 539 |
| Earnings coverage of net charge-offs (x) | 106.2857% | 647 |
| Efficiency ratio | 56.2353% | 3,576 |
| Assets per employee ($millions) | 5.5473% | 3,221 |
| Cash dividends to net income (ytd only)* | 44.7106% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 1,051 |
| Loan loss allowance to noncurrent loans | 460.9524% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2294% | 2,212 |
| Noncurrent loans to loans | 0.3275% | 2,152 |
| Net loans and leases to total assets | 69.0100% | 1,907 |
| Net loans and leases to deposits | 77.1481% | 2,321 |
| Net loans and leases to core deposits | 102.1823% | 1,288 |
| Total domestic deposits to total assets | 89.4500% | 973 |
| Equity capital to assets | 9.1058% | 2,608 |
| Core capital (leverage) ratio | 9.9659% | 2,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $182,217,500 | 3,124 |
| Average earning assets | $168,259,500 | 3,127 |
| Average equity | $16,620,000 | 3,203 |
| Average total loans | $127,328,500 | 2,927 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8651% | 752 |
| Cost of funding earning assets | 1.9132% | 1,048 |
| Net interest margin | 3.9519% | 1,275 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.3071% | 2,834 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.2812% | 1,469 |
| Return on assets (ROA) | 1.2812% | 1,437 |
| Pretax return on assets | 1.7214% | 1,017 |
| Return on Equity (ROE) | 13.8000% | 1,526 |
| Retained earnings to average equity (ytd only) | 12.4433% | 582 |
| Net charge-offs to loans | 0.0285% | 1,736 |
| Credit loss provision to net charge-offs | 655.8824% | 555 |
| Earnings coverage of net charge-offs (x) | 89.3529% | 961 |
| Efficiency ratio | 55.6043% | 3,535 |
| Assets per employee ($millions) | 5.4962% | 3,255 |
| Cash dividends to net income (ytd only)* | 9.8438% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 1,014 |
| Loan loss allowance to noncurrent loans | 565.3846% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 2,293 |
| Noncurrent loans to loans | 0.2674% | 2,228 |
| Net loans and leases to total assets | 68.6300% | 1,962 |
| Net loans and leases to deposits | 76.7102% | 2,377 |
| Net loans and leases to core deposits | 102.3027% | 1,318 |
| Total domestic deposits to total assets | 89.4700% | 914 |
| Equity capital to assets | 9.1363% | 2,583 |
| Core capital (leverage) ratio | 10.1713% | 2,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $164,922,200 | 3,231 |
| Average earning assets | $151,420,200 | 3,239 |
| Average equity | $15,309,400 | 3,242 |
| Average total loans | $119,440,200 | 2,962 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7375% | 747 |
| Cost of funding earning assets | 1.6663% | 1,245 |
| Net interest margin | 4.0712% | 1,117 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.2668% | 2,897 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.3349% | 1,461 |
| Return on assets (ROA) | 1.3349% | 1,444 |
| Pretax return on assets | 1.8141% | 994 |
| Return on Equity (ROE) | 14.3200% | 1,576 |
| Retained earnings to average equity (ytd only) | 12.4669% | 891 |
| Net charge-offs to loans | 0.0408% | 1,307 |
| Credit loss provision to net charge-offs | 488.8889% | 643 |
| Earnings coverage of net charge-offs (x) | 66.9167% | 1,141 |
| Efficiency ratio | 53.1596% | 3,661 |
| Assets per employee ($millions) | 5.2526% | 3,385 |
| Cash dividends to net income (ytd only)* | 12.9193% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 1,087 |
| Loan loss allowance to noncurrent loans | 592.9936% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 2,348 |
| Noncurrent loans to loans | 0.2545% | 2,326 |
| Net loans and leases to total assets | 72.3100% | 1,536 |
| Net loans and leases to deposits | 80.9313% | 1,976 |
| Net loans and leases to core deposits | 101.1847% | 1,251 |
| Total domestic deposits to total assets | 89.3500% | 1,141 |
| Equity capital to assets | 9.2198% | 2,282 |
| Core capital (leverage) ratio | 10.7150% | 2,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $160,809,000 | 3,284 |
| Average earning assets | $147,471,500 | 3,282 |
| Average equity | $14,994,000 | 3,255 |
| Average total loans | $117,701,750 | 2,980 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6071% | 722 |
| Cost of funding earning assets | 1.5013% | 1,239 |
| Net interest margin | 4.1058% | 1,078 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.2969% | 2,817 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.3701% | 1,402 |
| Return on assets (ROA) | 1.3701% | 1,379 |
| Pretax return on assets | 1.8512% | 937 |
| Return on Equity (ROE) | 14.6400% | 1,545 |
| Retained earnings to average equity (ytd only) | 11.8303% | 1,022 |
| Net charge-offs to loans | -0.0052% | 3,725 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.5788% | 3,649 |
| Assets per employee ($millions) | 4.9808% | 3,609 |
| Cash dividends to net income (ytd only)* | 19.1705% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 1,130 |
| Loan loss allowance to noncurrent loans | 577.4920% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 2,218 |
| Noncurrent loans to loans | 0.2626% | 2,219 |
| Net loans and leases to total assets | 73.1800% | 1,388 |
| Net loans and leases to deposits | 82.0967% | 1,819 |
| Net loans and leases to core deposits | 98.4644% | 1,319 |
| Total domestic deposits to total assets | 89.1400% | 1,201 |
| Equity capital to assets | 9.5116% | 2,154 |
| Core capital (leverage) ratio | 10.6643% | 2,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $158,384,000 | 3,311 |
| Average earning assets | $145,209,000 | 3,314 |
| Average equity | $14,826,333 | 3,289 |
| Average total loans | $115,801,333 | 2,999 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4610% | 655 |
| Cost of funding earning assets | 1.2823% | 1,268 |
| Net interest margin | 4.1786% | 985 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.2523% | 2,954 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.4846% | 1,216 |
| Return on assets (ROA) | 1.4846% | 1,194 |
| Pretax return on assets | 2.0015% | 780 |
| Return on Equity (ROE) | 15.9900% | 1,360 |
| Retained earnings to average equity (ytd only) | 10.3141% | 1,628 |
| Net charge-offs to loans | -0.0070% | 3,738 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.5064% | 3,820 |
| Assets per employee ($millions) | 5.3127% | 3,398 |
| Cash dividends to net income (ytd only)* | 35.4949% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5247% | 1,187 |
| Loan loss allowance to noncurrent loans | 505.4131% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 2,029 |
| Noncurrent loans to loans | 0.3017% | 2,066 |
| Net loans and leases to total assets | 71.8900% | 1,434 |
| Net loans and leases to deposits | 80.3987% | 1,787 |
| Net loans and leases to core deposits | 94.5503% | 1,357 |
| Total domestic deposits to total assets | 89.4200% | 1,372 |
| Equity capital to assets | 9.3475% | 2,259 |
| Core capital (leverage) ratio | 10.2032% | 2,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $157,883,500 | 3,354 |
| Average earning assets | $144,736,500 | 3,358 |
| Average equity | $14,659,500 | 3,337 |
| Average total loans | $114,485,000 | 3,042 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5792% | 630 |
| Cost of funding earning assets | 0.5427% | 1,147 |
| Net interest margin | 4.0365% | 744 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.4554% | 2,255 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.2086% | 1,740 |
| Return on assets (ROA) | 1.2086% | 1,686 |
| Pretax return on assets | 1.6240% | 1,100 |
| Return on Equity (ROE) | 12.4700% | 1,988 |
| Retained earnings to average equity (ytd only) | 11.1189% | 860 |
| Net charge-offs to loans | -0.0633% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.4157% | 3,276 |
| Assets per employee ($millions) | 5.2129% | 3,506 |
| Cash dividends to net income (ytd only)* | 10.8169% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 1,518 |
| Loan loss allowance to noncurrent loans | 479.2683% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 2,117 |
| Noncurrent loans to loans | 0.2912% | 2,100 |
| Net loans and leases to total assets | 71.0100% | 1,525 |
| Net loans and leases to deposits | 79.2587% | 1,824 |
| Net loans and leases to core deposits | 92.1109% | 1,386 |
| Total domestic deposits to total assets | 89.5900% | 1,519 |
| Equity capital to assets | 9.2214% | 2,211 |
| Core capital (leverage) ratio | 10.7238% | 2,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $146,862,200 | 3,471 |
| Average earning assets | $133,407,600 | 3,493 |
| Average equity | $14,237,000 | 3,437 |
| Average total loans | $104,269,400 | 3,091 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3874% | 600 |
| Cost of funding earning assets | 0.4335% | 1,084 |
| Net interest margin | 3.9538% | 705 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.3883% | 2,377 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.1877% | 1,745 |
| Return on assets (ROA) | 1.1877% | 1,721 |
| Pretax return on assets | 1.6002% | 1,120 |
| Return on Equity (ROE) | 12.0900% | 2,005 |
| Retained earnings to average equity (ytd only) | 10.2880% | 1,259 |
| Net charge-offs to loans | 0.0104% | 1,727 |
| Credit loss provision to net charge-offs | 1,812.5000% | 272 |
| Earnings coverage of net charge-offs (x) | 234.8750% | 565 |
| Efficiency ratio | 57.9360% | 3,391 |
| Assets per employee ($millions) | 5.2969% | 3,421 |
| Cash dividends to net income (ytd only)* | 14.9184% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 1,840 |
| Loan loss allowance to noncurrent loans | 559.7701% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 2,404 |
| Noncurrent loans to loans | 0.2395% | 2,425 |
| Net loans and leases to total assets | 72.4900% | 1,233 |
| Net loans and leases to deposits | 80.5894% | 1,549 |
| Net loans and leases to core deposits | 91.2298% | 1,217 |
| Total domestic deposits to total assets | 89.9500% | 1,687 |
| Equity capital to assets | 9.0397% | 2,184 |
| Core capital (leverage) ratio | 10.5811% | 2,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $144,481,000 | 3,520 |
| Average earning assets | $131,008,750 | 3,533 |
| Average equity | $14,191,000 | 3,489 |
| Average total loans | $102,182,000 | 3,120 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1935% | 644 |
| Cost of funding earning assets | 0.3730% | 1,095 |
| Net interest margin | 3.8205% | 720 |
| Noninterest income to average assets | 0.5028% | 2,184 |
| Noninterest expense to average assets | 2.3728% | 2,329 |
| Loan and lease loss provision to assets | 0.1061% | 940 |
| Net operating income to assets | 1.1103% | 1,734 |
| Return on assets (ROA) | 1.1103% | 1,713 |
| Pretax return on assets | 1.4860% | 1,211 |
| Return on Equity (ROE) | 11.0017% | 1,977 |
| Retained earnings to average equity (ytd only) | 8.3447% | 1,493 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8450% | 3,318 |
| Assets per employee ($millions) | 5.1660% | 3,538 |
| Cash dividends to net income (ytd only)* | 24.1509% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 1,952 |
| Loan loss allowance to noncurrent loans | 505.4152% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.1849% | 2,434 |
| Noncurrent loans to loans | 0.2673% | 2,411 |
| Net loans and leases to total assets | 68.2477% | 1,462 |
| Net loans and leases to deposits | 75.9659% | 1,687 |
| Net loans and leases to core deposits | 82.9378% | 1,523 |
| Total domestic deposits to total assets | 89.8400% | 1,777 |
| Equity capital to assets | 9.2802% | 2,182 |
| Core capital (leverage) ratio | 10.4046% | 2,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,204,000 | 3,573 |
| Average earning assets | $129,772,333 | 3,598 |
| Average equity | $14,452,333 | 3,548 |
| Average total loans | $99,920,000 | 3,190 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 642 |
| Cost of funding earning assets | 0.3923% | 910 |
| Net interest margin | 3.7067% | 742 |
| Noninterest income to average assets | 0.4946% | 2,167 |
| Noninterest expense to average assets | 2.5961% | 1,616 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9893% | 1,920 |
| Return on assets (ROA) | 0.9893% | 1,914 |
| Pretax return on assets | 1.2752% | 1,581 |
| Return on Equity (ROE) | 9.3977% | 2,183 |
| Retained earnings to average equity (ytd only) | 4.1828% | 2,873 |
| Net charge-offs to loans | -0.0367% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0606% | 2,624 |
| Assets per employee ($millions) | 5.0430% | 3,714 |
| Cash dividends to net income (ytd only)* | 55.4913% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 2,051 |
| Loan loss allowance to noncurrent loans | 448.8215% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 2,372 |
| Noncurrent loans to loans | 0.3040% | 2,375 |
| Net loans and leases to total assets | 68.2502% | 1,186 |
| Net loans and leases to deposits | 77.0113% | 1,363 |
| Net loans and leases to core deposits | 84.8838% | 1,193 |
| Total domestic deposits to total assets | 88.6236% | 2,246 |
| Equity capital to assets | 10.0195% | 1,876 |
| Core capital (leverage) ratio | 10.5725% | 1,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,899,500 | 3,618 |
| Average earning assets | $127,444,000 | 3,644 |
| Average equity | $14,727,000 | 3,590 |
| Average total loans | $98,058,000 | 3,212 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2756% | 882 |
| Cost of funding earning assets | 0.5198% | 848 |
| Net interest margin | 3.7558% | 1,092 |
| Noninterest income to average assets | 0.5676% | 2,290 |
| Noninterest expense to average assets | 2.3813% | 2,543 |
| Loan and lease loss provision to assets | 0.2834% | 295 |
| Net operating income to assets | 1.0201% | 2,590 |
| Return on assets (ROA) | 1.0207% | 2,670 |
| Pretax return on assets | 1.3041% | 2,345 |
| Return on Equity (ROE) | 9.0474% | 2,893 |
| Retained earnings to average equity (ytd only) | 7.8285% | 1,607 |
| Net charge-offs to loans | 0.0843% | 959 |
| Credit loss provision to net charge-offs | 501.3514% | 796 |
| Earnings coverage of net charge-offs (x) | 28.0676% | 1,660 |
| Efficiency ratio | 60.0116% | 3,148 |
| Assets per employee ($millions) | 4.7791% | 3,908 |
| Cash dividends to net income (ytd only)* | 13.4731% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 2,161 |
| Loan loss allowance to noncurrent loans | 391.7160% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 2,338 |
| Noncurrent loans to loans | 0.3435% | 2,349 |
| Net loans and leases to total assets | 70.0509% | 1,041 |
| Net loans and leases to deposits | 80.0638% | 1,209 |
| Net loans and leases to core deposits | 88.4974% | 1,044 |
| Total domestic deposits to total assets | 87.4938% | 2,282 |
| Equity capital to assets | 11.0437% | 1,764 |
| Core capital (leverage) ratio | 10.6854% | 1,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,894,800 | 3,672 |
| Average earning assets | $118,509,000 | 3,701 |
| Average equity | $14,766,600 | 3,662 |
| Average total loans | $87,760,000 | 3,370 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2616% | 1,017 |
| Cost of funding earning assets | 0.5513% | 827 |
| Net interest margin | 3.7103% | 1,313 |
| Noninterest income to average assets | 0.5779% | 2,311 |
| Noninterest expense to average assets | 2.3540% | 2,590 |
| Loan and lease loss provision to assets | 0.2024% | 510 |
| Net operating income to assets | 1.1334% | 2,424 |
| Return on assets (ROA) | 1.1351% | 2,483 |
| Pretax return on assets | 1.3770% | 2,414 |
| Return on Equity (ROE) | 10.0054% | 2,734 |
| Retained earnings to average equity (ytd only) | 8.3652% | 1,925 |
| Net charge-offs to loans | -0.0047% | 3,417 |
| Credit loss provision to net charge-offs | -6,533.3333% | 4,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8738% | 2,991 |
| Assets per employee ($millions) | 4.4571% | 4,153 |
| Cash dividends to net income (ytd only)* | 16.3934% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 2,252 |
| Loan loss allowance to noncurrent loans | 124.7202% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.7352% | 1,002 |
| Noncurrent loans to loans | 1.0782% | 1,049 |
| Net loans and leases to total assets | 67.2642% | 1,398 |
| Net loans and leases to deposits | 77.0129% | 1,573 |
| Net loans and leases to core deposits | 85.7005% | 1,314 |
| Total domestic deposits to total assets | 87.3415% | 2,191 |
| Equity capital to assets | 11.2854% | 1,825 |
| Core capital (leverage) ratio | 10.8741% | 1,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,969,750 | 3,727 |
| Average earning assets | $116,573,000 | 3,770 |
| Average equity | $14,631,750 | 3,723 |
| Average total loans | $85,097,250 | 3,449 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1581% | 1,251 |
| Cost of funding earning assets | 0.5886% | 786 |
| Net interest margin | 3.5696% | 1,662 |
| Noninterest income to average assets | 0.5259% | 2,504 |
| Noninterest expense to average assets | 2.3314% | 2,668 |
| Loan and lease loss provision to assets | 0.1539% | 766 |
| Net operating income to assets | 1.1151% | 2,487 |
| Return on assets (ROA) | 1.1178% | 2,547 |
| Pretax return on assets | 1.2717% | 2,704 |
| Return on Equity (ROE) | 9.8349% | 2,809 |
| Retained earnings to average equity (ytd only) | 7.3486% | 2,308 |
| Net charge-offs to loans | -0.0048% | 3,421 |
| Credit loss provision to net charge-offs | -4,900.0000% | 3,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1079% | 2,713 |
| Assets per employee ($millions) | 4.5238% | 4,087 |
| Cash dividends to net income (ytd only)* | 25.2809% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 2,477 |
| Loan loss allowance to noncurrent loans | 108.7838% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 1,030 |
| Noncurrent loans to loans | 1.1878% | 1,013 |
| Net loans and leases to total assets | 65.6262% | 1,738 |
| Net loans and leases to deposits | 75.1935% | 1,897 |
| Net loans and leases to core deposits | 83.8258% | 1,579 |
| Total domestic deposits to total assets | 87.2765% | 2,183 |
| Equity capital to assets | 11.2821% | 1,766 |
| Core capital (leverage) ratio | 10.7334% | 1,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,388,667 | 3,758 |
| Average earning assets | $115,195,667 | 3,795 |
| Average equity | $14,479,000 | 3,743 |
| Average total loans | $83,074,000 | 3,496 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8609% | 1,931 |
| Cost of funding earning assets | 0.6476% | 708 |
| Net interest margin | 3.2133% | 2,651 |
| Noninterest income to average assets | 0.5355% | 2,456 |
| Noninterest expense to average assets | 2.4576% | 2,304 |
| Loan and lease loss provision to assets | 0.1881% | 652 |
| Net operating income to assets | 0.6831% | 3,753 |
| Return on assets (ROA) | 0.6885% | 3,805 |
| Pretax return on assets | 0.8065% | 3,800 |
| Return on Equity (ROE) | 6.0344% | 3,852 |
| Retained earnings to average equity (ytd only) | 1.0057% | 4,214 |
| Net charge-offs to loans | -0.0049% | 3,387 |
| Credit loss provision to net charge-offs | -5,900.0000% | 3,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3228% | 1,564 |
| Assets per employee ($millions) | 5.1545% | 3,480 |
| Cash dividends to net income (ytd only)* | 83.3333% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 2,411 |
| Loan loss allowance to noncurrent loans | 107.0936% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.7877% | 1,141 |
| Noncurrent loans to loans | 1.2197% | 1,081 |
| Net loans and leases to total assets | 63.7356% | 2,081 |
| Net loans and leases to deposits | 72.7789% | 2,237 |
| Net loans and leases to core deposits | 81.4695% | 1,879 |
| Total domestic deposits to total assets | 87.5743% | 2,056 |
| Equity capital to assets | 11.0195% | 1,842 |
| Core capital (leverage) ratio | 10.7507% | 1,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,488,000 | 3,795 |
| Average earning assets | $113,652,000 | 3,818 |
| Average equity | $14,318,000 | 3,765 |
| Average total loans | $81,000,000 | 3,541 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 1,527 |
| Cost of funding earning assets | 0.9351% | 755 |
| Net interest margin | 3.4842% | 2,517 |
| Noninterest income to average assets | 0.5155% | 2,564 |
| Noninterest expense to average assets | 2.5061% | 2,835 |
| Loan and lease loss provision to assets | 0.1375% | 2,642 |
| Net operating income to assets | 0.7649% | 3,222 |
| Return on assets (ROA) | 0.7649% | 3,345 |
| Pretax return on assets | 1.0107% | 3,011 |
| Return on Equity (ROE) | 6.2265% | 3,510 |
| Retained earnings to average equity (ytd only) | 5.0788% | 2,238 |
| Net charge-offs to loans | 0.0026% | 3,294 |
| Credit loss provision to net charge-offs | 7,800.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 651.5000% | 177 |
| Efficiency ratio | 68.5797% | 2,153 |
| Assets per employee ($millions) | 4.6967% | 3,721 |
| Cash dividends to net income (ytd only)* | 18.4332% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 2,390 |
| Loan loss allowance to noncurrent loans | 97.1618% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.8656% | 1,158 |
| Noncurrent loans to loans | 1.3417% | 1,013 |
| Net loans and leases to total assets | 63.6741% | 2,408 |
| Net loans and leases to deposits | 73.4584% | 2,539 |
| Net loans and leases to core deposits | 83.4872% | 2,081 |
| Total domestic deposits to total assets | 86.6805% | 2,082 |
| Equity capital to assets | 11.8217% | 1,666 |
| Core capital (leverage) ratio | 11.0777% | 1,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,481,400 | 3,833 |
| Average earning assets | $102,233,200 | 3,868 |
| Average equity | $13,940,400 | 3,765 |
| Average total loans | $76,352,600 | 3,619 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5547% | 1,441 |
| Cost of funding earning assets | 0.9804% | 816 |
| Net interest margin | 3.5743% | 2,349 |
| Noninterest income to average assets | 0.5282% | 2,484 |
| Noninterest expense to average assets | 2.5487% | 2,696 |
| Loan and lease loss provision to assets | 0.1509% | 2,512 |
| Net operating income to assets | 0.7881% | 3,137 |
| Return on assets (ROA) | 0.7881% | 3,253 |
| Pretax return on assets | 1.0468% | 2,916 |
| Return on Equity (ROE) | 6.3497% | 3,429 |
| Retained earnings to average equity (ytd only) | 4.8057% | 2,648 |
| Net charge-offs to loans | 0.0018% | 3,148 |
| Credit loss provision to net charge-offs | 12,600.0000% | 99 |
| Earnings coverage of net charge-offs (x) | 1,000.0000% | 121 |
| Efficiency ratio | 68.0307% | 2,189 |
| Assets per employee ($millions) | 4.3996% | 3,955 |
| Cash dividends to net income (ytd only)* | 24.3161% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,242 |
| Loan loss allowance to noncurrent loans | 106.6239% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7880% | 1,466 |
| Noncurrent loans to loans | 1.2012% | 1,268 |
| Net loans and leases to total assets | 64.7577% | 2,671 |
| Net loans and leases to deposits | 74.7629% | 2,885 |
| Net loans and leases to core deposits | 85.0498% | 2,377 |
| Total domestic deposits to total assets | 86.6174% | 1,807 |
| Equity capital to assets | 11.9354% | 1,719 |
| Core capital (leverage) ratio | 11.2884% | 1,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,323,250 | 3,860 |
| Average earning assets | $100,231,000 | 3,891 |
| Average equity | $13,816,500 | 3,780 |
| Average total loans | $75,745,250 | 3,647 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7556% | 1,266 |
| Cost of funding earning assets | 1.0252% | 914 |
| Net interest margin | 3.7304% | 2,049 |
| Noninterest income to average assets | 0.5513% | 2,346 |
| Noninterest expense to average assets | 2.5543% | 2,813 |
| Loan and lease loss provision to assets | 0.1011% | 3,004 |
| Net operating income to assets | 0.9519% | 2,483 |
| Return on assets (ROA) | 0.9519% | 2,615 |
| Pretax return on assets | 1.2459% | 2,199 |
| Return on Equity (ROE) | 7.5643% | 2,912 |
| Retained earnings to average equity (ytd only) | 5.2278% | 2,376 |
| Net charge-offs to loans | -0.0053% | 4,029 |
| Credit loss provision to net charge-offs | -2,750.0000% | 3,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4734% | 2,589 |
| Assets per employee ($millions) | 4.2900% | 4,011 |
| Cash dividends to net income (ytd only)* | 30.8880% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 2,443 |
| Loan loss allowance to noncurrent loans | 92.0792% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.8720% | 1,419 |
| Noncurrent loans to loans | 1.3191% | 1,171 |
| Net loans and leases to total assets | 65.3026% | 2,722 |
| Net loans and leases to deposits | 75.6067% | 2,914 |
| Net loans and leases to core deposits | 88.4275% | 2,206 |
| Total domestic deposits to total assets | 86.3714% | 1,858 |
| Equity capital to assets | 12.1264% | 1,586 |
| Core capital (leverage) ratio | 11.6660% | 1,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,834,667 | 3,882 |
| Average earning assets | $97,737,333 | 3,913 |
| Average equity | $13,696,000 | 3,804 |
| Average total loans | $75,019,333 | 3,666 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8146% | 1,382 |
| Cost of funding earning assets | 1.0523% | 1,209 |
| Net interest margin | 3.7623% | 2,105 |
| Noninterest income to average assets | 0.6114% | 1,990 |
| Noninterest expense to average assets | 2.7379% | 2,606 |
| Loan and lease loss provision to assets | 0.0266% | 3,458 |
| Net operating income to assets | 0.9797% | 2,246 |
| Return on assets (ROA) | 0.9797% | 2,350 |
| Pretax return on assets | 1.2683% | 1,970 |
| Return on Equity (ROE) | 7.6326% | 2,665 |
| Retained earnings to average equity (ytd only) | 2.8992% | 3,124 |
| Net charge-offs to loans | -0.0108% | 4,103 |
| Credit loss provision to net charge-offs | -350.0000% | 3,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8908% | 2,689 |
| Assets per employee ($millions) | 3.9626% | 3,968 |
| Cash dividends to net income (ytd only)* | 62.0155% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1903% | 2,721 |
| Loan loss allowance to noncurrent loans | 84.8893% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.9711% | 1,364 |
| Noncurrent loans to loans | 1.4021% | 1,134 |
| Net loans and leases to total assets | 68.4360% | 2,481 |
| Net loans and leases to deposits | 80.0181% | 2,678 |
| Net loans and leases to core deposits | 95.4404% | 1,849 |
| Total domestic deposits to total assets | 85.5256% | 2,201 |
| Equity capital to assets | 12.8097% | 1,543 |
| Core capital (leverage) ratio | 12.3024% | 1,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,337,000 | 3,912 |
| Average earning assets | $95,792,000 | 3,929 |
| Average equity | $13,521,000 | 3,833 |
| Average total loans | $74,244,000 | 3,681 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0099% | 1,451 |
| Cost of funding earning assets | 0.9437% | 1,988 |
| Net interest margin | 4.0663% | 1,633 |
| Noninterest income to average assets | 0.7461% | 1,642 |
| Noninterest expense to average assets | 2.5938% | 3,191 |
| Loan and lease loss provision to assets | 0.0850% | 2,305 |
| Net operating income to assets | 1.3303% | 1,577 |
| Return on assets (ROA) | 1.3311% | 1,658 |
| Pretax return on assets | 1.7589% | 1,050 |
| Return on Equity (ROE) | 10.8800% | 1,936 |
| Retained earnings to average equity (ytd only) | 9.7305% | 545 |
| Net charge-offs to loans | 0.0139% | 3,204 |
| Credit loss provision to net charge-offs | 870.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 188.7000% | 414 |
| Efficiency ratio | 58.4636% | 3,918 |
| Assets per employee ($millions) | 3.8402% | 4,109 |
| Cash dividends to net income (ytd only)* | 10.5649% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 2,578 |
| Loan loss allowance to noncurrent loans | 76.7810% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.0966% | 1,113 |
| Noncurrent loans to loans | 1.5285% | 938 |
| Net loans and leases to total assets | 70.9013% | 2,265 |
| Net loans and leases to deposits | 82.1083% | 2,546 |
| Net loans and leases to core deposits | 97.3334% | 1,787 |
| Total domestic deposits to total assets | 86.3510% | 1,909 |
| Equity capital to assets | 12.8630% | 1,606 |
| Core capital (leverage) ratio | 12.2590% | 1,624 |
| Tier 1 risk-based capital ratio | 14.3088% | 3,115 |
| Total risk-based capital ratio | 15.2947% | 3,153 |
| Memoranda: | ||
| Average total assets | $102,396,400 | 3,964 |
| Average earning assets | $92,935,600 | 3,999 |
| Average equity | $12,527,600 | 3,933 |
| Average total loans | $71,956,000 | 3,736 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9876% | 1,571 |
| Cost of funding earning assets | 0.9099% | 2,188 |
| Net interest margin | 4.0778% | 1,680 |
| Noninterest income to average assets | 0.7641% | 1,542 |
| Noninterest expense to average assets | 2.6464% | 3,022 |
| Loan and lease loss provision to assets | 0.0914% | 2,082 |
| Net operating income to assets | 1.3036% | 1,846 |
| Return on assets (ROA) | 1.3036% | 1,927 |
| Pretax return on assets | 1.7203% | 1,287 |
| Return on Equity (ROE) | 10.7960% | 2,098 |
| Retained earnings to average equity (ytd only) | 9.2383% | 977 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3613% | 3,754 |
| Assets per employee ($millions) | 3.8656% | 4,076 |
| Cash dividends to net income (ytd only)* | 14.4293% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 2,748 |
| Loan loss allowance to noncurrent loans | 103.8369% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.7991% | 1,726 |
| Noncurrent loans to loans | 1.1123% | 1,426 |
| Net loans and leases to total assets | 71.0092% | 2,320 |
| Net loans and leases to deposits | 81.9145% | 2,691 |
| Net loans and leases to core deposits | 96.8937% | 1,919 |
| Total domestic deposits to total assets | 86.6869% | 1,687 |
| Equity capital to assets | 12.4537% | 1,949 |
| Core capital (leverage) ratio | 11.9968% | 1,854 |
| Tier 1 risk-based capital ratio | 13.8969% | 3,379 |
| Total risk-based capital ratio | 14.8749% | 3,422 |
| Memoranda: | ||
| Average total assets | $102,074,250 | 4,007 |
| Average earning assets | $92,466,500 | 4,047 |
| Average equity | $12,325,250 | 3,993 |
| Average total loans | $71,348,250 | 3,794 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9768% | 1,544 |
| Cost of funding earning assets | 0.8686% | 2,304 |
| Net interest margin | 4.1082% | 1,585 |
| Noninterest income to average assets | 0.7403% | 1,555 |
| Noninterest expense to average assets | 2.6612% | 3,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3701% | 1,517 |
| Return on assets (ROA) | 1.3701% | 1,575 |
| Pretax return on assets | 1.7767% | 1,094 |
| Return on Equity (ROE) | 11.4701% | 1,799 |
| Retained earnings to average equity (ytd only) | 9.0902% | 1,009 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9644% | 3,735 |
| Assets per employee ($millions) | 3.6176% | 4,359 |
| Cash dividends to net income (ytd only)* | 20.7493% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 2,938 |
| Loan loss allowance to noncurrent loans | 105.1519% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.7473% | 1,866 |
| Noncurrent loans to loans | 1.0692% | 1,530 |
| Net loans and leases to total assets | 69.1107% | 2,660 |
| Net loans and leases to deposits | 79.5358% | 3,002 |
| Net loans and leases to core deposits | 90.9333% | 2,519 |
| Total domestic deposits to total assets | 86.8926% | 1,643 |
| Equity capital to assets | 12.4627% | 1,880 |
| Core capital (leverage) ratio | 12.0500% | 1,798 |
| Tier 1 risk-based capital ratio | 14.1630% | 3,236 |
| Total risk-based capital ratio | 15.1024% | 3,296 |
| Memoranda: | ||
| Average total assets | $101,308,670 | 4,047 |
| Average earning assets | $91,183,330 | 4,094 |
| Average equity | $12,101,000 | 4,030 |
| Average total loans | $70,138,000 | 3,836 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 1,596 |
| Cost of funding earning assets | 0.8149% | 2,447 |
| Net interest margin | 4.0835% | 1,598 |
| Noninterest income to average assets | 0.6949% | 1,632 |
| Noninterest expense to average assets | 2.7873% | 2,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2160% | 2,001 |
| Return on assets (ROA) | 1.2160% | 2,049 |
| Pretax return on assets | 1.5674% | 1,551 |
| Return on Equity (ROE) | 10.4058% | 2,195 |
| Retained earnings to average equity (ytd only) | 5.5408% | 2,676 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0073% | 3,243 |
| Assets per employee ($millions) | 3.7673% | 4,241 |
| Cash dividends to net income (ytd only)* | 46.7532% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 2,912 |
| Loan loss allowance to noncurrent loans | 105.2910% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.7432% | 1,884 |
| Noncurrent loans to loans | 1.0820% | 1,538 |
| Net loans and leases to total assets | 67.9090% | 2,766 |
| Net loans and leases to deposits | 77.5139% | 3,112 |
| Net loans and leases to core deposits | 88.4692% | 2,643 |
| Total domestic deposits to total assets | 87.6088% | 1,511 |
| Equity capital to assets | 11.8387% | 2,127 |
| Core capital (leverage) ratio | 11.5380% | 2,111 |
| Tier 1 risk-based capital ratio | 13.8440% | 3,429 |
| Total risk-based capital ratio | 14.7928% | 3,497 |
| Memoranda: | ||
| Average total assets | $101,316,000 | 4,088 |
| Average earning assets | $90,803,500 | 4,130 |
| Average equity | $11,839,500 | 4,078 |
| Average total loans | $69,806,500 | 3,866 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8716% | 1,364 |
| Cost of funding earning assets | 0.5975% | 2,740 |
| Net interest margin | 4.2741% | 1,213 |
| Noninterest income to average assets | 0.7137% | 1,794 |
| Noninterest expense to average assets | 2.7661% | 2,804 |
| Loan and lease loss provision to assets | 0.0428% | 3,330 |
| Net operating income to assets | 1.3599% | 1,573 |
| Return on assets (ROA) | 1.3591% | 1,563 |
| Pretax return on assets | 1.7690% | 998 |
| Return on Equity (ROE) | 12.1711% | 1,654 |
| Retained earnings to average equity (ytd only) | 11.0754% | 423 |
| Net charge-offs to loans | 0.1678% | 1,146 |
| Credit loss provision to net charge-offs | 37.1681% | 3,302 |
| Earnings coverage of net charge-offs (x) | 15.7345% | 2,308 |
| Efficiency ratio | 60.4097% | 3,784 |
| Assets per employee ($millions) | 3.8813% | 4,057 |
| Cash dividends to net income (ytd only)* | 9.0023% | 3,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 2,874 |
| Loan loss allowance to noncurrent loans | 101.4013% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.7779% | 1,799 |
| Noncurrent loans to loans | 1.1256% | 1,429 |
| Net loans and leases to total assets | 68.3209% | 2,836 |
| Net loans and leases to deposits | 78.6830% | 3,078 |
| Net loans and leases to core deposits | 88.2848% | 2,731 |
| Total domestic deposits to total assets | 86.8305% | 1,858 |
| Equity capital to assets | 11.5315% | 2,235 |
| Core capital (leverage) ratio | 11.6089% | 2,017 |
| Tier 1 risk-based capital ratio | 13.5960% | 3,499 |
| Total risk-based capital ratio | 14.5412% | 3,550 |
| Memoranda: | ||
| Average total assets | $98,079,600 | 4,127 |
| Average earning assets | $88,698,000 | 4,173 |
| Average equity | $10,952,200 | 4,164 |
| Average total loans | $67,357,400 | 3,927 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 1,358 |
| Cost of funding earning assets | 0.5476% | 2,870 |
| Net interest margin | 4.2782% | 1,163 |
| Noninterest income to average assets | 0.7298% | 1,753 |
| Noninterest expense to average assets | 2.8427% | 2,488 |
| Loan and lease loss provision to assets | 0.0575% | 2,831 |
| Net operating income to assets | 1.3170% | 1,790 |
| Return on assets (ROA) | 1.3159% | 1,800 |
| Pretax return on assets | 1.7116% | 1,253 |
| Return on Equity (ROE) | 11.8848% | 1,831 |
| Retained earnings to average equity (ytd only) | 10.4008% | 795 |
| Net charge-offs to loans | 0.2217% | 767 |
| Credit loss provision to net charge-offs | 37.8378% | 2,918 |
| Earnings coverage of net charge-offs (x) | 11.6484% | 2,500 |
| Efficiency ratio | 61.6207% | 3,569 |
| Assets per employee ($millions) | 3.8162% | 4,158 |
| Cash dividends to net income (ytd only)* | 12.4873% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 2,969 |
| Loan loss allowance to noncurrent loans | 142.2460% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.5654% | 2,493 |
| Noncurrent loans to loans | 0.8009% | 2,107 |
| Net loans and leases to total assets | 69.7907% | 2,680 |
| Net loans and leases to deposits | 78.9364% | 3,148 |
| Net loans and leases to core deposits | 88.5885% | 2,789 |
| Total domestic deposits to total assets | 88.4137% | 1,082 |
| Equity capital to assets | 11.1791% | 2,497 |
| Core capital (leverage) ratio | 11.3136% | 2,324 |
| Tier 1 risk-based capital ratio | 13.1858% | 3,790 |
| Total risk-based capital ratio | 14.1357% | 3,872 |
| Memoranda: | ||
| Average total assets | $97,370,750 | 4,184 |
| Average earning assets | $88,383,500 | 4,215 |
| Average equity | $10,781,000 | 4,232 |
| Average total loans | $66,761,250 | 3,978 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 1,382 |
| Cost of funding earning assets | 0.5051% | 2,975 |
| Net interest margin | 4.2453% | 1,174 |
| Noninterest income to average assets | 0.7462% | 1,662 |
| Noninterest expense to average assets | 2.8278% | 2,583 |
| Loan and lease loss provision to assets | 0.0661% | 2,577 |
| Net operating income to assets | 1.3122% | 1,725 |
| Return on assets (ROA) | 1.3105% | 1,729 |
| Pretax return on assets | 1.7074% | 1,191 |
| Return on Equity (ROE) | 11.8756% | 1,768 |
| Retained earnings to average equity (ytd only) | 9.6279% | 1,032 |
| Net charge-offs to loans | 0.3107% | 516 |
| Credit loss provision to net charge-offs | 31.3725% | 2,619 |
| Earnings coverage of net charge-offs (x) | 8.4216% | 2,477 |
| Efficiency ratio | 61.4279% | 3,708 |
| Assets per employee ($millions) | 3.8742% | 4,095 |
| Cash dividends to net income (ytd only)* | 18.9274% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 2,942 |
| Loan loss allowance to noncurrent loans | 199.2500% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 3,071 |
| Noncurrent loans to loans | 0.5810% | 2,678 |
| Net loans and leases to total assets | 70.2610% | 2,540 |
| Net loans and leases to deposits | 79.4480% | 3,011 |
| Net loans and leases to core deposits | 87.0275% | 2,816 |
| Total domestic deposits to total assets | 88.4364% | 1,169 |
| Equity capital to assets | 11.2001% | 2,452 |
| Core capital (leverage) ratio | 11.1024% | 2,436 |
| Tier 1 risk-based capital ratio | 12.9706% | 3,909 |
| Total risk-based capital ratio | 13.9321% | 3,975 |
| Memoranda: | ||
| Average total assets | $96,754,000 | 4,233 |
| Average earning assets | $87,908,670 | 4,257 |
| Average equity | $10,677,330 | 4,279 |
| Average total loans | $65,666,670 | 4,026 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 1,901 |
| Cost of funding earning assets | 0.4841% | 2,916 |
| Net interest margin | 4.0053% | 1,711 |
| Noninterest income to average assets | 0.7321% | 1,695 |
| Noninterest expense to average assets | 2.8996% | 2,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1499% | 2,219 |
| Return on assets (ROA) | 1.1499% | 2,228 |
| Pretax return on assets | 1.4601% | 1,803 |
| Return on Equity (ROE) | 10.4985% | 2,173 |
| Retained earnings to average equity (ytd only) | 5.9668% | 2,720 |
| Net charge-offs to loans | 0.1998% | 738 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 11.0313% | 1,871 |
| Efficiency ratio | 66.5085% | 3,077 |
| Assets per employee ($millions) | 3.7412% | 4,357 |
| Cash dividends to net income (ytd only)* | 43.1655% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 2,364 |
| Loan loss allowance to noncurrent loans | 97.8898% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.8769% | 1,814 |
| Noncurrent loans to loans | 1.3026% | 1,373 |
| Net loans and leases to total assets | 66.4631% | 2,969 |
| Net loans and leases to deposits | 74.9374% | 3,323 |
| Net loans and leases to core deposits | 81.7889% | 3,157 |
| Total domestic deposits to total assets | 88.6915% | 1,260 |
| Equity capital to assets | 10.8356% | 2,732 |
| Core capital (leverage) ratio | 10.8403% | 2,592 |
| Tier 1 risk-based capital ratio | 12.8708% | 4,026 |
| Total risk-based capital ratio | 13.9046% | 4,042 |
| Memoranda: | ||
| Average total assets | $96,703,000 | 4,275 |
| Average earning assets | $87,584,500 | 4,311 |
| Average equity | $10,592,000 | 4,339 |
| Average total loans | $64,075,500 | 4,095 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3961% | 2,034 |
| Cost of funding earning assets | 0.4728% | 2,579 |
| Net interest margin | 3.9233% | 2,019 |
| Noninterest income to average assets | 0.6930% | 1,995 |
| Noninterest expense to average assets | 2.8641% | 2,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9288% | 2,555 |
| Return on assets (ROA) | 0.9420% | 2,518 |
| Pretax return on assets | 1.3563% | 2,141 |
| Return on Equity (ROE) | 8.6615% | 2,468 |
| Retained earnings to average equity (ytd only) | 7.5703% | 899 |
| Net charge-offs to loans | 0.0050% | 3,905 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 420.6667% | 202 |
| Efficiency ratio | 68.1715% | 2,862 |
| Assets per employee ($millions) | 3.4334% | 4,789 |
| Cash dividends to net income (ytd only)* | 12.5984% | 3,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 1,829 |
| Loan loss allowance to noncurrent loans | 140.0646% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 2,289 |
| Noncurrent loans to loans | 0.9878% | 1,791 |
| Net loans and leases to total assets | 64.2842% | 3,342 |
| Net loans and leases to deposits | 72.7090% | 3,628 |
| Net loans and leases to core deposits | 79.1605% | 3,492 |
| Total domestic deposits to total assets | 88.4130% | 1,293 |
| Equity capital to assets | 11.0720% | 2,563 |
| Core capital (leverage) ratio | 10.9900% | 2,348 |
| Tier 1 risk-based capital ratio | 13.2755% | 3,751 |
| Total risk-based capital ratio | 14.3890% | 3,744 |
| Memoranda: | ||
| Average total assets | $94,374,000 | 4,337 |
| Average earning assets | $84,393,800 | 4,393 |
| Average equity | $10,263,800 | 4,412 |
| Average total loans | $59,753,800 | 4,208 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3664% | 2,053 |
| Cost of funding earning assets | 0.4751% | 2,479 |
| Net interest margin | 3.8913% | 2,068 |
| Noninterest income to average assets | 0.6969% | 2,018 |
| Noninterest expense to average assets | 2.8686% | 2,511 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9090% | 2,983 |
| Return on assets (ROA) | 0.9269% | 2,955 |
| Pretax return on assets | 1.3300% | 2,361 |
| Return on Equity (ROE) | 8.5619% | 2,829 |
| Retained earnings to average equity (ytd only) | 7.0935% | 1,645 |
| Net charge-offs to loans | 0.0136% | 3,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 153.1625% | 529 |
| Efficiency ratio | 68.7415% | 2,748 |
| Assets per employee ($millions) | 3.4013% | 4,859 |
| Cash dividends to net income (ytd only)* | 17.1518% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 1,789 |
| Loan loss allowance to noncurrent loans | 128.9552% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.7361% | 2,295 |
| Noncurrent loans to loans | 1.1059% | 1,739 |
| Net loans and leases to total assets | 62.7070% | 3,578 |
| Net loans and leases to deposits | 71.1542% | 3,856 |
| Net loans and leases to core deposits | 77.5551% | 3,678 |
| Total domestic deposits to total assets | 88.1283% | 1,298 |
| Equity capital to assets | 11.1125% | 2,751 |
| Core capital (leverage) ratio | 10.7172% | 2,743 |
| Tier 1 risk-based capital ratio | 13.2505% | 3,849 |
| Total risk-based capital ratio | 14.3841% | 3,825 |
| Memoranda: | ||
| Average total assets | $93,934,000 | 4,384 |
| Average earning assets | $83,912,000 | 4,441 |
| Average equity | $10,168,750 | 4,468 |
| Average total loans | $59,025,750 | 4,269 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3159% | 2,073 |
| Cost of funding earning assets | 0.4732% | 2,391 |
| Net interest margin | 3.8427% | 2,120 |
| Noninterest income to average assets | 0.6695% | 2,130 |
| Noninterest expense to average assets | 2.8021% | 2,756 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9091% | 2,869 |
| Return on assets (ROA) | 0.9390% | 2,780 |
| Pretax return on assets | 1.3497% | 2,213 |
| Return on Equity (ROE) | 8.7532% | 2,629 |
| Retained earnings to average equity (ytd only) | 6.5200% | 1,833 |
| Net charge-offs to loans | 0.0171% | 2,907 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 122.2000% | 569 |
| Efficiency ratio | 68.1936% | 2,974 |
| Assets per employee ($millions) | 3.5190% | 4,692 |
| Cash dividends to net income (ytd only)* | 25.5125% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 1,816 |
| Loan loss allowance to noncurrent loans | 168.9453% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.5715% | 2,852 |
| Noncurrent loans to loans | 0.8465% | 2,291 |
| Net loans and leases to total assets | 62.7476% | 3,542 |
| Net loans and leases to deposits | 70.9851% | 3,830 |
| Net loans and leases to core deposits | 76.0699% | 3,768 |
| Total domestic deposits to total assets | 88.3954% | 1,259 |
| Equity capital to assets | 10.9300% | 2,894 |
| Core capital (leverage) ratio | 10.6465% | 2,765 |
| Tier 1 risk-based capital ratio | 13.0579% | 3,961 |
| Total risk-based capital ratio | 14.2004% | 3,950 |
| Memoranda: | ||
| Average total assets | $93,500,330 | 4,427 |
| Average earning assets | $83,691,330 | 4,473 |
| Average equity | $10,030,670 | 4,504 |
| Average total loans | $58,506,670 | 4,298 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 1,954 |
| Cost of funding earning assets | 0.4780% | 2,262 |
| Net interest margin | 3.8193% | 2,047 |
| Noninterest income to average assets | 0.6211% | 2,314 |
| Noninterest expense to average assets | 2.9673% | 2,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7582% | 3,438 |
| Return on assets (ROA) | 0.8195% | 3,184 |
| Pretax return on assets | 1.1516% | 2,772 |
| Return on Equity (ROE) | 7.7130% | 3,065 |
| Retained earnings to average equity (ytd only) | 3.1664% | 3,840 |
| Net charge-offs to loans | 0.0278% | 2,201 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 61.7500% | 790 |
| Efficiency ratio | 73.5829% | 2,301 |
| Assets per employee ($millions) | 3.6056% | 4,635 |
| Cash dividends to net income (ytd only)* | 58.9474% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 1,913 |
| Loan loss allowance to noncurrent loans | 168.8109% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.5472% | 3,042 |
| Noncurrent loans to loans | 0.8518% | 2,330 |
| Net loans and leases to total assets | 63.3196% | 3,358 |
| Net loans and leases to deposits | 71.1875% | 3,679 |
| Net loans and leases to core deposits | 76.3185% | 3,623 |
| Total domestic deposits to total assets | 88.9477% | 1,166 |
| Equity capital to assets | 10.6192% | 3,047 |
| Core capital (leverage) ratio | 10.4914% | 2,914 |
| Tier 1 risk-based capital ratio | 12.7353% | 4,238 |
| Total risk-based capital ratio | 13.8798% | 4,215 |
| Memoranda: | ||
| Average total assets | $92,743,500 | 4,485 |
| Average earning assets | $82,843,000 | 4,527 |
| Average equity | $9,853,500 | 4,563 |
| Average total loans | $57,518,000 | 4,367 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2284% | 2,394 |
| Cost of funding earning assets | 0.4883% | 2,179 |
| Net interest margin | 3.7401% | 2,537 |
| Noninterest income to average assets | 0.6465% | 2,432 |
| Noninterest expense to average assets | 2.7751% | 3,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8498% | 3,070 |
| Return on assets (ROA) | 0.8521% | 3,167 |
| Pretax return on assets | 1.2267% | 2,569 |
| Return on Equity (ROE) | 7.8996% | 2,998 |
| Retained earnings to average equity (ytd only) | 7.8996% | 885 |
| Net charge-offs to loans | -0.1266% | 5,646 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4030% | 3,010 |
| Assets per employee ($millions) | 3.5285% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 1,403 |
| Loan loss allowance to noncurrent loans | 176.1134% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 3,124 |
| Noncurrent loans to loans | 0.9013% | 2,295 |
| Net loans and leases to total assets | 58.7964% | 3,987 |
| Net loans and leases to deposits | 66.1244% | 4,234 |
| Net loans and leases to core deposits | 70.8659% | 4,162 |
| Total domestic deposits to total assets | 88.9178% | 1,156 |
| Equity capital to assets | 10.6298% | 3,000 |
| Core capital (leverage) ratio | 10.5786% | 2,800 |
| Tier 1 risk-based capital ratio | 13.5845% | 3,716 |
| Total risk-based capital ratio | 14.8085% | 3,641 |
| Memoranda: | ||
| Average total assets | $90,484,200 | 4,535 |
| Average earning assets | $81,094,200 | 4,566 |
| Average equity | $9,760,000 | 4,621 |
| Average total loans | $55,304,600 | 4,424 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2216% | 2,442 |
| Cost of funding earning assets | 0.4857% | 2,209 |
| Net interest margin | 3.7359% | 2,572 |
| Noninterest income to average assets | 0.6447% | 2,453 |
| Noninterest expense to average assets | 2.7991% | 3,014 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8340% | 3,223 |
| Return on assets (ROA) | 0.8340% | 3,350 |
| Pretax return on assets | 1.2007% | 2,830 |
| Return on Equity (ROE) | 7.7031% | 3,188 |
| Retained earnings to average equity (ytd only) | 7.7031% | 1,313 |
| Net charge-offs to loans | -0.1852% | 5,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9815% | 2,890 |
| Assets per employee ($millions) | 3.5431% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 1,580 |
| Loan loss allowance to noncurrent loans | 174.0079% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.5471% | 3,272 |
| Noncurrent loans to loans | 0.9000% | 2,448 |
| Net loans and leases to total assets | 59.8409% | 3,895 |
| Net loans and leases to deposits | 67.8115% | 4,169 |
| Net loans and leases to core deposits | 72.4398% | 4,124 |
| Total domestic deposits to total assets | 88.2459% | 1,269 |
| Equity capital to assets | 11.0007% | 3,011 |
| Core capital (leverage) ratio | 10.3630% | 3,143 |
| Tier 1 risk-based capital ratio | 13.4010% | 3,919 |
| Total risk-based capital ratio | 14.6447% | 3,832 |
| Memoranda: | ||
| Average total assets | $90,169,750 | 4,579 |
| Average earning assets | $80,978,500 | 4,602 |
| Average equity | $9,762,000 | 4,661 |
| Average total loans | $55,428,000 | 4,459 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1785% | 2,574 |
| Cost of funding earning assets | 0.4858% | 2,223 |
| Net interest margin | 3.6928% | 2,722 |
| Noninterest income to average assets | 0.6479% | 2,378 |
| Noninterest expense to average assets | 2.7592% | 3,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8400% | 3,133 |
| Return on assets (ROA) | 0.8400% | 3,268 |
| Pretax return on assets | 1.2176% | 2,712 |
| Return on Equity (ROE) | 7.8024% | 3,087 |
| Retained earnings to average equity (ytd only) | 7.8024% | 1,242 |
| Net charge-offs to loans | -0.2716% | 5,865 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3820% | 3,078 |
| Assets per employee ($millions) | 3.5104% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 1,683 |
| Loan loss allowance to noncurrent loans | 168.5934% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.5686% | 3,316 |
| Noncurrent loans to loans | 0.9181% | 2,439 |
| Net loans and leases to total assets | 60.9762% | 3,755 |
| Net loans and leases to deposits | 68.9227% | 4,092 |
| Net loans and leases to core deposits | 73.6443% | 4,015 |
| Total domestic deposits to total assets | 88.4705% | 1,184 |
| Equity capital to assets | 10.8623% | 3,218 |
| Core capital (leverage) ratio | 10.2770% | 3,238 |
| Tier 1 risk-based capital ratio | 13.1570% | 4,102 |
| Total risk-based capital ratio | 14.4000% | 4,032 |
| Memoranda: | ||
| Average total assets | $89,519,330 | 4,624 |
| Average earning assets | $80,698,000 | 4,649 |
| Average equity | $9,638,000 | 4,717 |
| Average total loans | $55,236,330 | 4,498 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1383% | 2,696 |
| Cost of funding earning assets | 0.4886% | 2,190 |
| Net interest margin | 3.6497% | 2,889 |
| Noninterest income to average assets | 0.6633% | 2,202 |
| Noninterest expense to average assets | 2.6533% | 3,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8935% | 2,788 |
| Return on assets (ROA) | 0.8935% | 2,915 |
| Pretax return on assets | 1.3131% | 2,248 |
| Return on Equity (ROE) | 8.3368% | 2,747 |
| Retained earnings to average equity (ytd only) | 8.3368% | 1,331 |
| Net charge-offs to loans | 0.0073% | 2,871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 291.0000% | 206 |
| Efficiency ratio | 66.8942% | 3,647 |
| Assets per employee ($millions) | 3.3041% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4289% | 2,297 |
| Loan loss allowance to noncurrent loans | 141.9183% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.6311% | 3,166 |
| Noncurrent loans to loans | 1.0069% | 2,370 |
| Net loans and leases to total assets | 61.7834% | 3,557 |
| Net loans and leases to deposits | 69.8984% | 3,867 |
| Net loans and leases to core deposits | 75.0780% | 3,782 |
| Total domestic deposits to total assets | 88.3903% | 1,414 |
| Equity capital to assets | 10.8452% | 3,121 |
| Core capital (leverage) ratio | 10.3284% | 3,158 |
| Tier 1 risk-based capital ratio | 13.1399% | 4,169 |
| Total risk-based capital ratio | 14.2956% | 4,148 |
| Memoranda: | ||
| Average total assets | $88,644,000 | 4,683 |
| Average earning assets | $80,225,500 | 4,700 |
| Average equity | $9,500,000 | 4,762 |
| Average total loans | $54,590,500 | 4,536 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1010% | 2,915 |
| Cost of funding earning assets | 0.5027% | 2,130 |
| Net interest margin | 3.5982% | 3,145 |
| Noninterest income to average assets | 0.6941% | 2,229 |
| Noninterest expense to average assets | 2.9522% | 2,696 |
| Loan and lease loss provision to assets | 0.1630% | 1,412 |
| Net operating income to assets | 0.6190% | 4,186 |
| Return on assets (ROA) | 0.6190% | 4,281 |
| Pretax return on assets | 0.8852% | 3,905 |
| Return on Equity (ROE) | 5.7516% | 4,151 |
| Retained earnings to average equity (ytd only) | 4.7930% | 2,581 |
| Net charge-offs to loans | 0.2086% | 1,411 |
| Credit loss provision to net charge-offs | 128.7037% | 2,031 |
| Earnings coverage of net charge-offs (x) | 8.2778% | 2,973 |
| Efficiency ratio | 73.7984% | 2,615 |
| Assets per employee ($millions) | 3.2621% | 5,204 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 1,993 |
| Loan loss allowance to noncurrent loans | 132.8904% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.6835% | 2,998 |
| Noncurrent loans to loans | 1.1302% | 2,079 |
| Net loans and leases to total assets | 59.5665% | 3,892 |
| Net loans and leases to deposits | 67.1500% | 4,204 |
| Net loans and leases to core deposits | 72.6642% | 4,074 |
| Total domestic deposits to total assets | 88.7066% | 1,283 |
| Equity capital to assets | 10.5872% | 3,265 |
| Core capital (leverage) ratio | 10.2446% | 3,206 |
| Tier 1 risk-based capital ratio | 13.7694% | 3,844 |
| Total risk-based capital ratio | 14.9956% | 3,789 |
| Memoranda: | ||
| Average total assets | $85,293,000 | 4,760 |
| Average earning assets | $78,371,600 | 4,755 |
| Average equity | $9,180,000 | 4,805 |
| Average total loans | $51,773,200 | 4,613 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0341% | 3,192 |
| Cost of funding earning assets | 0.5021% | 2,190 |
| Net interest margin | 3.5320% | 3,421 |
| Noninterest income to average assets | 0.6793% | 2,330 |
| Noninterest expense to average assets | 2.8716% | 2,931 |
| Loan and lease loss provision to assets | 0.2191% | 870 |
| Net operating income to assets | 0.5973% | 4,397 |
| Return on assets (ROA) | 0.5973% | 4,498 |
| Pretax return on assets | 0.8479% | 4,182 |
| Return on Equity (ROE) | 5.5264% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.5264% | 2,561 |
| Net charge-offs to loans | 0.2879% | 920 |
| Credit loss provision to net charge-offs | 125.2252% | 1,922 |
| Earnings coverage of net charge-offs (x) | 6.0989% | 3,103 |
| Efficiency ratio | 72.9092% | 2,732 |
| Assets per employee ($millions) | 3.2121% | 5,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 2,061 |
| Loan loss allowance to noncurrent loans | 84.5175% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.1450% | 2,078 |
| Noncurrent loans to loans | 1.8010% | 1,318 |
| Net loans and leases to total assets | 59.4555% | 3,942 |
| Net loans and leases to deposits | 67.1197% | 4,271 |
| Net loans and leases to core deposits | 72.7206% | 4,124 |
| Total domestic deposits to total assets | 88.5814% | 1,255 |
| Equity capital to assets | 10.7740% | 3,269 |
| Core capital (leverage) ratio | 10.3602% | 3,188 |
| Tier 1 risk-based capital ratio | 13.9304% | 3,887 |
| Total risk-based capital ratio | 15.1748% | 3,830 |
| Memoranda: | ||
| Average total assets | $84,596,750 | 4,832 |
| Average earning assets | $78,065,750 | 4,817 |
| Average equity | $9,143,750 | 4,879 |
| Average total loans | $51,400,250 | 4,673 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0495% | 3,077 |
| Cost of funding earning assets | 0.4930% | 2,315 |
| Net interest margin | 3.5565% | 3,260 |
| Noninterest income to average assets | 0.6723% | 2,341 |
| Noninterest expense to average assets | 2.8610% | 3,025 |
| Loan and lease loss provision to assets | 0.0215% | 3,699 |
| Net operating income to assets | 0.7486% | 3,651 |
| Return on assets (ROA) | 0.7486% | 3,747 |
| Pretax return on assets | 1.0919% | 3,208 |
| Return on Equity (ROE) | 6.9186% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.9186% | 1,736 |
| Net charge-offs to loans | 0.0274% | 3,123 |
| Credit loss provision to net charge-offs | 128.5714% | 1,709 |
| Earnings coverage of net charge-offs (x) | 66.7143% | 791 |
| Efficiency ratio | 71.9856% | 3,000 |
| Assets per employee ($millions) | 3.1141% | 5,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 2,333 |
| Loan loss allowance to noncurrent loans | 91.6766% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.0775% | 2,357 |
| Noncurrent loans to loans | 1.6267% | 1,608 |
| Net loans and leases to total assets | 60.5725% | 3,747 |
| Net loans and leases to deposits | 68.3532% | 4,103 |
| Net loans and leases to core deposits | 73.3302% | 4,014 |
| Total domestic deposits to total assets | 88.6169% | 1,351 |
| Equity capital to assets | 10.8943% | 2,997 |
| Core capital (leverage) ratio | 10.5547% | 2,890 |
| Tier 1 risk-based capital ratio | 14.0748% | 3,882 |
| Total risk-based capital ratio | 15.3000% | 3,838 |
| Memoranda: | ||
| Average total assets | $83,886,670 | 4,900 |
| Average earning assets | $77,886,330 | 4,871 |
| Average equity | $9,077,000 | 4,932 |
| Average total loans | $51,080,000 | 4,721 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0080% | 3,207 |
| Cost of funding earning assets | 0.4869% | 2,405 |
| Net interest margin | 3.5211% | 3,341 |
| Noninterest income to average assets | 0.5872% | 2,721 |
| Noninterest expense to average assets | 2.6925% | 3,614 |
| Loan and lease loss provision to assets | 0.0430% | 3,055 |
| Net operating income to assets | 0.7781% | 3,374 |
| Return on assets (ROA) | 0.7781% | 3,507 |
| Pretax return on assets | 1.1314% | 2,942 |
| Return on Equity (ROE) | 7.2160% | 3,391 |
| Retained earnings to average equity (ytd only) | 7.2160% | 1,912 |
| Net charge-offs to loans | -0.0552% | 5,564 |
| Credit loss provision to net charge-offs | -128.5714% | 4,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6296% | 3,554 |
| Assets per employee ($millions) | 3.2196% | 5,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 2,303 |
| Loan loss allowance to noncurrent loans | 81.9415% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.2400% | 2,159 |
| Noncurrent loans to loans | 1.8719% | 1,433 |
| Net loans and leases to total assets | 60.1983% | 3,624 |
| Net loans and leases to deposits | 68.1544% | 3,936 |
| Net loans and leases to core deposits | 72.8735% | 3,887 |
| Total domestic deposits to total assets | 88.3264% | 1,645 |
| Equity capital to assets | 10.9760% | 2,996 |
| Core capital (leverage) ratio | 10.4508% | 3,031 |
| Tier 1 risk-based capital ratio | 14.2899% | 3,832 |
| Total risk-based capital ratio | 15.5374% | 3,764 |
| Memoranda: | ||
| Average total assets | $83,789,500 | 4,946 |
| Average earning assets | $78,043,500 | 4,914 |
| Average equity | $9,035,500 | 4,982 |
| Average total loans | $50,769,500 | 4,764 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0326% | 3,587 |
| Cost of funding earning assets | 0.5050% | 2,619 |
| Net interest margin | 3.5275% | 3,692 |
| Noninterest income to average assets | 0.5156% | 3,387 |
| Noninterest expense to average assets | 2.7504% | 3,674 |
| Loan and lease loss provision to assets | 0.3120% | 652 |
| Net operating income to assets | 0.5121% | 4,769 |
| Return on assets (ROA) | 0.5265% | 4,788 |
| Pretax return on assets | 0.7469% | 4,454 |
| Return on Equity (ROE) | 5.0878% | 4,617 |
| Retained earnings to average equity (ytd only) | 4.0632% | 3,316 |
| Net charge-offs to loans | 0.5159% | 795 |
| Credit loss provision to net charge-offs | 102.3715% | 2,339 |
| Earnings coverage of net charge-offs (x) | 3.4071% | 3,897 |
| Efficiency ratio | 72.5914% | 3,103 |
| Assets per employee ($millions) | 3.1063% | 5,557 |
| Cash dividends to net income (ytd only)* | 20.1373% | 3,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 2,353 |
| Loan loss allowance to noncurrent loans | 79.9376% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.2603% | 2,235 |
| Noncurrent loans to loans | 1.9102% | 1,478 |
| Net loans and leases to total assets | 59.1315% | 3,907 |
| Net loans and leases to deposits | 66.5437% | 4,262 |
| Net loans and leases to core deposits | 71.8333% | 4,139 |
| Total domestic deposits to total assets | 88.8612% | 1,313 |
| Equity capital to assets | 10.5915% | 3,368 |
| Core capital (leverage) ratio | 9.9172% | 3,691 |
| Tier 1 risk-based capital ratio | 13.7548% | 4,264 |
| Total risk-based capital ratio | 15.0053% | 4,202 |
| Memoranda: | ||
| Average total assets | $83,005,600 | 4,988 |
| Average earning assets | $77,022,800 | 4,955 |
| Average equity | $8,589,200 | 5,065 |
| Average total loans | $49,044,200 | 4,852 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0258% | 3,660 |
| Cost of funding earning assets | 0.5100% | 2,659 |
| Net interest margin | 3.5158% | 3,767 |
| Noninterest income to average assets | 0.4815% | 3,675 |
| Noninterest expense to average assets | 2.7233% | 3,738 |
| Loan and lease loss provision to assets | 0.1546% | 1,608 |
| Net operating income to assets | 0.5960% | 4,458 |
| Return on assets (ROA) | 0.6152% | 4,467 |
| Pretax return on assets | 0.8841% | 4,060 |
| Return on Equity (ROE) | 5.9809% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.9809% | 2,420 |
| Net charge-offs to loans | 0.0438% | 3,625 |
| Credit loss provision to net charge-offs | 600.0000% | 494 |
| Earnings coverage of net charge-offs (x) | 39.2550% | 1,145 |
| Efficiency ratio | 72.9194% | 3,014 |
| Assets per employee ($millions) | 3.2046% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6908% | 1,999 |
| Loan loss allowance to noncurrent loans | 77.0567% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.4547% | 2,123 |
| Noncurrent loans to loans | 2.1942% | 1,391 |
| Net loans and leases to total assets | 58.8293% | 3,959 |
| Net loans and leases to deposits | 66.1904% | 4,307 |
| Net loans and leases to core deposits | 71.4852% | 4,204 |
| Total domestic deposits to total assets | 88.8789% | 1,313 |
| Equity capital to assets | 10.5930% | 3,434 |
| Core capital (leverage) ratio | 10.0246% | 3,647 |
| Tier 1 risk-based capital ratio | 13.9347% | 4,263 |
| Total risk-based capital ratio | 15.1867% | 4,208 |
| Memoranda: | ||
| Average total assets | $82,789,750 | 5,048 |
| Average earning assets | $76,604,750 | 5,019 |
| Average equity | $8,515,750 | 5,126 |
| Average total loans | $48,714,750 | 4,913 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 3,757 |
| Cost of funding earning assets | 0.5117% | 2,710 |
| Net interest margin | 3.4793% | 3,861 |
| Noninterest income to average assets | 0.5084% | 3,414 |
| Noninterest expense to average assets | 2.7550% | 3,681 |
| Loan and lease loss provision to assets | 0.2324% | 980 |
| Net operating income to assets | 0.5296% | 4,693 |
| Return on assets (ROA) | 0.5592% | 4,653 |
| Pretax return on assets | 0.7723% | 4,376 |
| Return on Equity (ROE) | 5.4919% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.4919% | 2,641 |
| Net charge-offs to loans | 0.0869% | 2,824 |
| Credit loss provision to net charge-offs | 457.1429% | 623 |
| Earnings coverage of net charge-offs (x) | 18.9524% | 1,651 |
| Efficiency ratio | 74.0885% | 2,964 |
| Assets per employee ($millions) | 3.3112% | 5,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7029% | 2,127 |
| Loan loss allowance to noncurrent loans | 78.2446% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.5294% | 2,132 |
| Noncurrent loans to loans | 2.1764% | 1,511 |
| Net loans and leases to total assets | 58.4332% | 3,931 |
| Net loans and leases to deposits | 65.7268% | 4,294 |
| Net loans and leases to core deposits | 71.0054% | 4,151 |
| Total domestic deposits to total assets | 88.9031% | 1,415 |
| Equity capital to assets | 10.4506% | 3,501 |
| Core capital (leverage) ratio | 9.8670% | 3,785 |
| Tier 1 risk-based capital ratio | 13.8601% | 4,344 |
| Total risk-based capital ratio | 15.0908% | 4,312 |
| Memoranda: | ||
| Average total assets | $82,613,330 | 5,090 |
| Average earning assets | $76,221,330 | 5,066 |
| Average equity | $8,412,330 | 5,175 |
| Average total loans | $48,333,330 | 4,953 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9580% | 3,867 |
| Cost of funding earning assets | 0.5218% | 2,695 |
| Net interest margin | 3.4362% | 3,955 |
| Noninterest income to average assets | 0.5428% | 3,097 |
| Noninterest expense to average assets | 2.5736% | 4,365 |
| Loan and lease loss provision to assets | 0.3587% | 490 |
| Net operating income to assets | 0.4853% | 4,763 |
| Return on assets (ROA) | 0.5380% | 4,584 |
| Pretax return on assets | 0.8530% | 3,891 |
| Return on Equity (ROE) | 5.3539% | 4,361 |
| Retained earnings to average equity (ytd only) | 5.3539% | 2,886 |
| Net charge-offs to loans | 0.1670% | 1,717 |
| Credit loss provision to net charge-offs | 370.0000% | 689 |
| Earnings coverage of net charge-offs (x) | 11.6500% | 1,766 |
| Efficiency ratio | 69.5026% | 3,911 |
| Assets per employee ($millions) | 3.3422% | 5,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 2,352 |
| Loan loss allowance to noncurrent loans | 71.6667% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.5977% | 2,205 |
| Noncurrent loans to loans | 2.3725% | 1,486 |
| Net loans and leases to total assets | 56.5292% | 4,077 |
| Net loans and leases to deposits | 63.2590% | 4,403 |
| Net loans and leases to core deposits | 66.7350% | 4,420 |
| Total domestic deposits to total assets | 89.3615% | 1,440 |
| Equity capital to assets | 10.0449% | 3,793 |
| Core capital (leverage) ratio | 9.8157% | 3,836 |
| Tier 1 risk-based capital ratio | 13.9111% | 4,383 |
| Total risk-based capital ratio | 15.1631% | 4,329 |
| Memoranda: | ||
| Average total assets | $82,530,000 | 5,147 |
| Average earning assets | $75,897,500 | 5,117 |
| Average equity | $8,293,000 | 5,219 |
| Average total loans | $47,895,500 | 5,014 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9592% | 4,243 |
| Cost of funding earning assets | 0.5765% | 2,870 |
| Net interest margin | 3.3828% | 4,349 |
| Noninterest income to average assets | 0.6559% | 2,776 |
| Noninterest expense to average assets | 2.5663% | 4,567 |
| Loan and lease loss provision to assets | 0.9148% | 213 |
| Net operating income to assets | 0.1839% | 5,867 |
| Return on assets (ROA) | 0.4474% | 5,091 |
| Pretax return on assets | 0.5985% | 4,876 |
| Return on Equity (ROE) | 4.5693% | 4,856 |
| Retained earnings to average equity (ytd only) | 4.5693% | 2,910 |
| Net charge-offs to loans | 1.2328% | 423 |
| Credit loss provision to net charge-offs | 132.1489% | 1,781 |
| Earnings coverage of net charge-offs (x) | 1.6785% | 4,491 |
| Efficiency ratio | 68.8344% | 4,045 |
| Assets per employee ($millions) | 3.3960% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 2,769 |
| Loan loss allowance to noncurrent loans | 95.6140% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.2183% | 2,965 |
| Noncurrent loans to loans | 1.6715% | 2,401 |
| Net loans and leases to total assets | 57.6382% | 4,095 |
| Net loans and leases to deposits | 64.3640% | 4,471 |
| Net loans and leases to core deposits | 68.2850% | 4,483 |
| Total domestic deposits to total assets | 89.5503% | 1,300 |
| Equity capital to assets | 10.0521% | 3,689 |
| Core capital (leverage) ratio | 9.6365% | 4,071 |
| Tier 1 risk-based capital ratio | 13.6881% | 4,526 |
| Total risk-based capital ratio | 14.9393% | 4,475 |
| Memoranda: | ||
| Average total assets | $85,376,000 | 5,102 |
| Average earning assets | $77,540,000 | 5,102 |
| Average equity | $8,360,200 | 5,252 |
| Average total loans | $47,938,400 | 5,027 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 4,318 |
| Cost of funding earning assets | 0.5914% | 2,882 |
| Net interest margin | 3.3581% | 4,437 |
| Noninterest income to average assets | 0.7150% | 2,532 |
| Noninterest expense to average assets | 2.5355% | 4,599 |
| Loan and lease loss provision to assets | 1.0145% | 164 |
| Net operating income to assets | 0.1421% | 6,052 |
| Return on assets (ROA) | 0.4849% | 5,022 |
| Pretax return on assets | 0.6532% | 4,844 |
| Return on Equity (ROE) | 4.9829% | 4,733 |
| Retained earnings to average equity (ytd only) | 4.9829% | 3,100 |
| Net charge-offs to loans | -0.5473% | 6,790 |
| Credit loss provision to net charge-offs | -333.5025% | 5,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7952% | 4,132 |
| Assets per employee ($millions) | 3.6631% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9262% | 602 |
| Loan loss allowance to noncurrent loans | 89.0762% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 2.0110% | 2,000 |
| Noncurrent loans to loans | 3.2850% | 1,187 |
| Net loans and leases to total assets | 53.8475% | 4,636 |
| Net loans and leases to deposits | 59.7064% | 5,008 |
| Net loans and leases to core deposits | 63.6598% | 4,930 |
| Total domestic deposits to total assets | 90.1871% | 900 |
| Equity capital to assets | 9.3363% | 4,759 |
| Core capital (leverage) ratio | 9.0601% | 5,028 |
| Tier 1 risk-based capital ratio | 13.2615% | 4,928 |
| Total risk-based capital ratio | 14.5247% | 4,860 |
| Memoranda: | ||
| Average total assets | $86,343,750 | 5,116 |
| Average earning assets | $77,779,000 | 5,141 |
| Average equity | $8,402,000 | 5,297 |
| Average total loans | $47,987,750 | 5,076 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9368% | 4,333 |
| Cost of funding earning assets | 0.6051% | 2,891 |
| Net interest margin | 3.3318% | 4,441 |
| Noninterest income to average assets | 0.7224% | 2,540 |
| Noninterest expense to average assets | 2.5588% | 4,525 |
| Loan and lease loss provision to assets | 1.3587% | 104 |
| Net operating income to assets | -0.1541% | 6,456 |
| Return on assets (ROA) | 0.3309% | 5,646 |
| Pretax return on assets | 0.3845% | 5,672 |
| Return on Equity (ROE) | 3.3543% | 5,483 |
| Retained earnings to average equity (ytd only) | 3.3543% | 4,182 |
| Net charge-offs to loans | -0.4777% | 6,820 |
| Credit loss provision to net charge-offs | -511.4035% | 5,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4539% | 4,105 |
| Assets per employee ($millions) | 3.3913% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6414% | 838 |
| Loan loss allowance to noncurrent loans | 69.9339% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 2.3259% | 1,855 |
| Noncurrent loans to loans | 3.7770% | 1,080 |
| Net loans and leases to total assets | 55.2115% | 4,417 |
| Net loans and leases to deposits | 61.2656% | 4,828 |
| Net loans and leases to core deposits | 63.5729% | 4,941 |
| Total domestic deposits to total assets | 90.1183% | 963 |
| Equity capital to assets | 9.5385% | 4,536 |
| Core capital (leverage) ratio | 8.9884% | 5,012 |
| Tier 1 risk-based capital ratio | 13.1100% | 5,061 |
| Total risk-based capital ratio | 14.3715% | 4,995 |
| Memoranda: | ||
| Average total assets | $85,820,000 | 5,163 |
| Average earning assets | $77,676,330 | 5,181 |
| Average equity | $8,466,670 | 5,321 |
| Average total loans | $47,728,000 | 5,112 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9572% | 4,272 |
| Cost of funding earning assets | 0.6270% | 2,863 |
| Net interest margin | 3.3302% | 4,399 |
| Noninterest income to average assets | 0.7135% | 2,522 |
| Noninterest expense to average assets | 2.6917% | 4,102 |
| Loan and lease loss provision to assets | 1.0702% | 161 |
| Net operating income to assets | -0.0266% | 6,376 |
| Return on assets (ROA) | 0.7598% | 3,522 |
| Pretax return on assets | 1.0934% | 2,978 |
| Return on Equity (ROE) | 7.5781% | 3,176 |
| Retained earnings to average equity (ytd only) | 7.5781% | 1,908 |
| Net charge-offs to loans | 0.2860% | 1,820 |
| Credit loss provision to net charge-offs | 679.4118% | 412 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,205 |
| Efficiency ratio | 72.4439% | 3,533 |
| Assets per employee ($millions) | 3.4736% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6109% | 3,358 |
| Loan loss allowance to noncurrent loans | 89.2236% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.2345% | 3,505 |
| Noncurrent loans to loans | 1.8055% | 2,852 |
| Net loans and leases to total assets | 54.1554% | 4,386 |
| Net loans and leases to deposits | 61.0975% | 4,672 |
| Net loans and leases to core deposits | 63.8603% | 4,756 |
| Total domestic deposits to total assets | 88.6376% | 1,906 |
| Equity capital to assets | 9.9840% | 4,169 |
| Core capital (leverage) ratio | 8.8572% | 5,109 |
| Tier 1 risk-based capital ratio | 12.7947% | 5,376 |
| Total risk-based capital ratio | 14.0461% | 5,315 |
| Memoranda: | ||
| Average total assets | $86,338,500 | 5,189 |
| Average earning assets | $77,833,000 | 5,210 |
| Average equity | $8,656,500 | 5,319 |
| Average total loans | $47,552,000 | 5,150 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1109% | 4,907 |
| Cost of funding earning assets | 0.7362% | 3,201 |
| Net interest margin | 3.3746% | 4,979 |
| Noninterest income to average assets | 0.7240% | 2,609 |
| Noninterest expense to average assets | 2.6163% | 4,689 |
| Loan and lease loss provision to assets | 0.2632% | 2,541 |
| Net operating income to assets | 0.6500% | 3,986 |
| Return on assets (ROA) | 0.6865% | 4,061 |
| Pretax return on assets | 0.9731% | 3,646 |
| Return on Equity (ROE) | 6.9622% | 3,665 |
| Retained earnings to average equity (ytd only) | 6.0134% | 2,067 |
| Net charge-offs to loans | 0.7573% | 1,548 |
| Credit loss provision to net charge-offs | 64.8415% | 4,321 |
| Earnings coverage of net charge-offs (x) | 2.9193% | 3,968 |
| Efficiency ratio | 68.8308% | 3,997 |
| Assets per employee ($millions) | 3.5766% | 4,838 |
| Cash dividends to net income (ytd only)* | 13.6286% | 3,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 5,066 |
| Loan loss allowance to noncurrent loans | 64.9660% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.2139% | 3,634 |
| Noncurrent loans to loans | 1.8645% | 2,843 |
| Net loans and leases to total assets | 54.4433% | 4,559 |
| Net loans and leases to deposits | 61.3858% | 4,855 |
| Net loans and leases to core deposits | 65.1513% | 4,821 |
| Total domestic deposits to total assets | 88.6903% | 1,776 |
| Equity capital to assets | 10.0690% | 4,075 |
| Core capital (leverage) ratio | 8.7467% | 5,258 |
| Tier 1 risk-based capital ratio | 12.8076% | 5,247 |
| Total risk-based capital ratio | 13.7990% | 5,390 |
| Memoranda: | ||
| Average total assets | $85,501,600 | 5,203 |
| Average earning assets | $77,964,200 | 5,182 |
| Average equity | $8,431,200 | 5,379 |
| Average total loans | $45,820,000 | 5,257 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1361% | 5,055 |
| Cost of funding earning assets | 0.7570% | 3,292 |
| Net interest margin | 3.3791% | 5,099 |
| Noninterest income to average assets | 0.7055% | 2,691 |
| Noninterest expense to average assets | 2.5818% | 4,802 |
| Loan and lease loss provision to assets | 0.2263% | 2,798 |
| Net operating income to assets | 0.6845% | 3,985 |
| Return on assets (ROA) | 0.7009% | 4,156 |
| Pretax return on assets | 1.0005% | 3,711 |
| Return on Equity (ROE) | 7.1453% | 3,727 |
| Retained earnings to average equity (ytd only) | 7.1453% | 2,037 |
| Net charge-offs to loans | 1.0268% | 1,029 |
| Credit loss provision to net charge-offs | 41.4286% | 4,586 |
| Earnings coverage of net charge-offs (x) | 2.2028% | 4,159 |
| Efficiency ratio | 68.2062% | 4,017 |
| Assets per employee ($millions) | 3.5048% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 5,845 |
| Loan loss allowance to noncurrent loans | 55.5556% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 1.2590% | 3,784 |
| Noncurrent loans to loans | 1.9134% | 2,943 |
| Net loans and leases to total assets | 54.2192% | 4,721 |
| Net loans and leases to deposits | 61.3129% | 5,042 |
| Net loans and leases to core deposits | 63.9578% | 5,152 |
| Total domestic deposits to total assets | 88.4303% | 1,771 |
| Equity capital to assets | 10.3405% | 4,029 |
| Core capital (leverage) ratio | 8.7702% | 5,381 |
| Tier 1 risk-based capital ratio | 13.0925% | 5,174 |
| Total risk-based capital ratio | 13.9661% | 5,428 |
| Memoranda: | ||
| Average total assets | $85,417,500 | 5,263 |
| Average earning assets | $77,849,250 | 5,247 |
| Average equity | $8,378,250 | 5,449 |
| Average total loans | $45,448,500 | 5,326 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1327% | 5,185 |
| Cost of funding earning assets | 0.7666% | 3,470 |
| Net interest margin | 3.3662% | 5,214 |
| Noninterest income to average assets | 0.7129% | 2,594 |
| Noninterest expense to average assets | 2.5882% | 4,819 |
| Loan and lease loss provision to assets | 0.1561% | 3,567 |
| Net operating income to assets | 0.7210% | 3,749 |
| Return on assets (ROA) | 0.7455% | 3,904 |
| Pretax return on assets | 1.0623% | 3,455 |
| Return on Equity (ROE) | 7.7373% | 3,382 |
| Retained earnings to average equity (ytd only) | 7.7373% | 1,750 |
| Net charge-offs to loans | 1.2292% | 877 |
| Credit loss provision to net charge-offs | 24.1007% | 4,543 |
| Earnings coverage of net charge-offs (x) | 1.8273% | 4,062 |
| Efficiency ratio | 68.6226% | 4,016 |
| Assets per employee ($millions) | 3.6637% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 5,939 |
| Loan loss allowance to noncurrent loans | 53.1868% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 1.3006% | 3,823 |
| Noncurrent loans to loans | 1.9811% | 2,964 |
| Net loans and leases to total assets | 53.9363% | 4,816 |
| Net loans and leases to deposits | 60.6809% | 5,175 |
| Net loans and leases to core deposits | 63.2718% | 5,279 |
| Total domestic deposits to total assets | 88.8852% | 1,582 |
| Equity capital to assets | 10.0574% | 4,247 |
| Core capital (leverage) ratio | 8.6224% | 5,486 |
| Tier 1 risk-based capital ratio | 12.8853% | 5,266 |
| Total risk-based capital ratio | 13.7497% | 5,547 |
| Memoranda: | ||
| Average total assets | $85,851,330 | 5,280 |
| Average earning assets | $78,011,670 | 5,271 |
| Average equity | $8,271,670 | 5,490 |
| Average total loans | $45,232,330 | 5,372 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1466% | 5,284 |
| Cost of funding earning assets | 0.7906% | 3,545 |
| Net interest margin | 3.3561% | 5,283 |
| Noninterest income to average assets | 0.6740% | 2,788 |
| Noninterest expense to average assets | 2.3360% | 5,674 |
| Loan and lease loss provision to assets | 0.1154% | 3,910 |
| Net operating income to assets | 0.8633% | 3,085 |
| Return on assets (ROA) | 0.8633% | 3,320 |
| Pretax return on assets | 1.2603% | 2,692 |
| Return on Equity (ROE) | 9.1554% | 2,757 |
| Retained earnings to average equity (ytd only) | 9.1554% | 1,529 |
| Net charge-offs to loans | -0.2139% | 7,006 |
| Credit loss provision to net charge-offs | -104.1667% | 5,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9353% | 5,117 |
| Assets per employee ($millions) | 3.9164% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6685% | 3,472 |
| Loan loss allowance to noncurrent loans | 60.7347% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 1.7131% | 3,289 |
| Noncurrent loans to loans | 2.7471% | 2,370 |
| Net loans and leases to total assets | 50.8914% | 5,181 |
| Net loans and leases to deposits | 56.9492% | 5,492 |
| Net loans and leases to core deposits | 59.2709% | 5,602 |
| Total domestic deposits to total assets | 89.3628% | 1,445 |
| Equity capital to assets | 9.6170% | 4,629 |
| Core capital (leverage) ratio | 8.2386% | 5,966 |
| Tier 1 risk-based capital ratio | 12.8388% | 5,337 |
| Total risk-based capital ratio | 14.0897% | 5,309 |
| Memoranda: | ||
| Average total assets | $86,644,000 | 5,301 |
| Average earning assets | $78,425,000 | 5,291 |
| Average equity | $8,170,000 | 5,542 |
| Average total loans | $44,881,500 | 5,430 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 5,387 |
| Cost of funding earning assets | 1.0486% | 3,032 |
| Net interest margin | 3.3595% | 5,613 |
| Noninterest income to average assets | 0.6590% | 2,837 |
| Noninterest expense to average assets | 2.5078% | 5,446 |
| Loan and lease loss provision to assets | 0.5592% | 1,866 |
| Net operating income to assets | 0.4528% | 4,626 |
| Return on assets (ROA) | 0.4619% | 4,786 |
| Pretax return on assets | 0.6232% | 4,617 |
| Return on Equity (ROE) | 4.8757% | 4,450 |
| Retained earnings to average equity (ytd only) | 4.8757% | 2,727 |
| Net charge-offs to loans | 1.0883% | 1,585 |
| Credit loss provision to net charge-offs | 93.6082% | 3,851 |
| Earnings coverage of net charge-offs (x) | 1.9588% | 4,313 |
| Efficiency ratio | 68.1849% | 4,317 |
| Assets per employee ($millions) | 3.9604% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 3,832 |
| Loan loss allowance to noncurrent loans | 52.7314% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 1.7583% | 3,314 |
| Noncurrent loans to loans | 2.9178% | 2,235 |
| Net loans and leases to total assets | 51.0467% | 5,457 |
| Net loans and leases to deposits | 56.7991% | 5,815 |
| Net loans and leases to core deposits | 58.8743% | 5,946 |
| Total domestic deposits to total assets | 89.8724% | 1,060 |
| Equity capital to assets | 9.2439% | 5,221 |
| Core capital (leverage) ratio | 7.9955% | 6,281 |
| Tier 1 risk-based capital ratio | 12.3839% | 5,554 |
| Total risk-based capital ratio | 13.6322% | 5,525 |
| Memoranda: | ||
| Average total assets | $81,188,200 | 5,431 |
| Average earning assets | $72,957,200 | 5,447 |
| Average equity | $7,691,200 | 5,665 |
| Average total loans | $44,563,400 | 5,489 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 5,348 |
| Cost of funding earning assets | 1.1075% | 2,927 |
| Net interest margin | 3.3618% | 5,681 |
| Noninterest income to average assets | 0.6524% | 2,861 |
| Noninterest expense to average assets | 2.4607% | 5,591 |
| Loan and lease loss provision to assets | 0.4851% | 2,051 |
| Net operating income to assets | 0.5103% | 4,506 |
| Return on assets (ROA) | 0.5186% | 4,646 |
| Pretax return on assets | 0.7294% | 4,380 |
| Return on Equity (ROE) | 5.4381% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.4381% | 2,884 |
| Net charge-offs to loans | 1.3150% | 1,171 |
| Credit loss provision to net charge-offs | 66.2100% | 4,599 |
| Earnings coverage of net charge-offs (x) | 1.6415% | 4,415 |
| Efficiency ratio | 67.1689% | 4,489 |
| Assets per employee ($millions) | 4.0133% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 5,118 |
| Loan loss allowance to noncurrent loans | 35.6350% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 2.1429% | 2,985 |
| Noncurrent loans to loans | 3.5810% | 1,922 |
| Net loans and leases to total assets | 50.6450% | 5,623 |
| Net loans and leases to deposits | 56.3536% | 5,997 |
| Net loans and leases to core deposits | 59.5079% | 6,026 |
| Total domestic deposits to total assets | 89.8701% | 940 |
| Equity capital to assets | 9.1276% | 5,610 |
| Core capital (leverage) ratio | 7.9032% | 6,483 |
| Tier 1 risk-based capital ratio | 12.0921% | 5,827 |
| Total risk-based capital ratio | 13.1155% | 5,972 |
| Memoranda: | ||
| Average total assets | $79,703,250 | 5,515 |
| Average earning assets | $71,389,500 | 5,532 |
| Average equity | $7,600,500 | 5,722 |
| Average total loans | $44,411,500 | 5,540 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5525% | 5,164 |
| Cost of funding earning assets | 1.1746% | 2,747 |
| Net interest margin | 3.3779% | 5,614 |
| Noninterest income to average assets | 0.6559% | 2,791 |
| Noninterest expense to average assets | 2.4935% | 5,565 |
| Loan and lease loss provision to assets | 0.2264% | 3,651 |
| Net operating income to assets | 0.6385% | 3,868 |
| Return on assets (ROA) | 0.6507% | 3,920 |
| Pretax return on assets | 0.9708% | 3,357 |
| Return on Equity (ROE) | 6.7135% | 3,582 |
| Retained earnings to average equity (ytd only) | 6.7135% | 2,011 |
| Net charge-offs to loans | 0.6573% | 2,203 |
| Credit loss provision to net charge-offs | 60.0000% | 4,339 |
| Earnings coverage of net charge-offs (x) | 3.1241% | 3,293 |
| Efficiency ratio | 67.8951% | 4,534 |
| Assets per employee ($millions) | 4.1043% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 4,046 |
| Loan loss allowance to noncurrent loans | 41.5423% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 2.1789% | 3,011 |
| Noncurrent loans to loans | 3.6536% | 1,922 |
| Net loans and leases to total assets | 50.2872% | 5,785 |
| Net loans and leases to deposits | 55.7466% | 6,156 |
| Net loans and leases to core deposits | 59.5019% | 6,136 |
| Total domestic deposits to total assets | 90.2066% | 861 |
| Equity capital to assets | 8.9835% | 5,603 |
| Core capital (leverage) ratio | 8.7524% | 5,133 |
| Tier 1 risk-based capital ratio | 12.1881% | 5,622 |
| Total risk-based capital ratio | 13.3907% | 5,648 |
| Memoranda: | ||
| Average total assets | $76,840,000 | 5,626 |
| Average earning assets | $68,622,000 | 5,676 |
| Average equity | $7,447,670 | 5,788 |
| Average total loans | $44,117,330 | 5,611 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 4,589 |
| Cost of funding earning assets | 1.2912% | 2,236 |
| Net interest margin | 3.3932% | 5,455 |
| Noninterest income to average assets | 0.6929% | 2,618 |
| Noninterest expense to average assets | 2.6717% | 4,957 |
| Loan and lease loss provision to assets | 0.2494% | 3,165 |
| Net operating income to assets | 0.5441% | 4,297 |
| Return on assets (ROA) | 0.5709% | 4,252 |
| Pretax return on assets | 0.8259% | 3,805 |
| Return on Equity (ROE) | 5.6438% | 4,091 |
| Retained earnings to average equity (ytd only) | 5.6438% | 2,828 |
| Net charge-offs to loans | 0.7879% | 1,641 |
| Credit loss provision to net charge-offs | 51.7241% | 3,717 |
| Earnings coverage of net charge-offs (x) | 2.1494% | 3,229 |
| Efficiency ratio | 72.0478% | 3,854 |
| Assets per employee ($millions) | 3.6698% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5423% | 3,999 |
| Loan loss allowance to noncurrent loans | 34.3891% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 2.7563% | 2,507 |
| Noncurrent loans to loans | 4.4848% | 1,561 |
| Net loans and leases to total assets | 59.4945% | 4,363 |
| Net loans and leases to deposits | 66.8084% | 4,862 |
| Net loans and leases to core deposits | 71.9090% | 4,800 |
| Total domestic deposits to total assets | 89.0524% | 1,740 |
| Equity capital to assets | 10.0892% | 3,659 |
| Core capital (leverage) ratio | 9.2258% | 4,248 |
| Tier 1 risk-based capital ratio | 12.3579% | 5,386 |
| Total risk-based capital ratio | 13.6083% | 5,382 |
| Memoranda: | ||
| Average total assets | $72,164,500 | 5,811 |
| Average earning assets | $64,128,000 | 5,857 |
| Average equity | $7,300,000 | 5,845 |
| Average total loans | $44,170,500 | 5,648 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0146% | 4,487 |
| Cost of funding earning assets | 1.4757% | 2,784 |
| Net interest margin | 3.5389% | 5,080 |
| Noninterest income to average assets | 0.7244% | 2,682 |
| Noninterest expense to average assets | 2.9804% | 3,926 |
| Loan and lease loss provision to assets | 0.2883% | 4,495 |
| Net operating income to assets | 0.3134% | 4,890 |
| Return on assets (ROA) | 0.3134% | 5,060 |
| Pretax return on assets | 0.5367% | 4,509 |
| Return on Equity (ROE) | 2.9287% | 4,986 |
| Retained earnings to average equity (ytd only) | 2.9287% | 3,810 |
| Net charge-offs to loans | 0.2359% | 4,870 |
| Credit loss provision to net charge-offs | 193.0693% | 1,648 |
| Earnings coverage of net charge-offs (x) | 5.5248% | 2,602 |
| Efficiency ratio | 78.3217% | 2,647 |
| Assets per employee ($millions) | 3.5467% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6503% | 3,396 |
| Loan loss allowance to noncurrent loans | 36.4641% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 2.8534% | 2,456 |
| Noncurrent loans to loans | 4.5259% | 1,560 |
| Net loans and leases to total assets | 60.9933% | 4,490 |
| Net loans and leases to deposits | 68.5061% | 5,039 |
| Net loans and leases to core deposits | 75.9302% | 4,725 |
| Total domestic deposits to total assets | 89.0335% | 1,644 |
| Equity capital to assets | 10.1432% | 3,566 |
| Core capital (leverage) ratio | 9.2819% | 4,037 |
| Tier 1 risk-based capital ratio | 12.4105% | 5,100 |
| Total risk-based capital ratio | 13.6630% | 5,079 |
| Memoranda: | ||
| Average total assets | $67,641,200 | 5,945 |
| Average earning assets | $58,888,600 | 6,030 |
| Average equity | $7,238,600 | 5,953 |
| Average total loans | $42,812,200 | 5,804 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0702% | 4,477 |
| Cost of funding earning assets | 1.5017% | 2,972 |
| Net interest margin | 3.5685% | 5,028 |
| Noninterest income to average assets | 0.7263% | 2,667 |
| Noninterest expense to average assets | 2.9812% | 3,815 |
| Loan and lease loss provision to assets | 0.2095% | 4,972 |
| Net operating income to assets | 0.3731% | 4,868 |
| Return on assets (ROA) | 0.3731% | 5,052 |
| Pretax return on assets | 0.6226% | 4,520 |
| Return on Equity (ROE) | 3.4393% | 5,028 |
| Retained earnings to average equity (ytd only) | 3.4393% | 4,032 |
| Net charge-offs to loans | 0.3293% | 4,016 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 3.9714% | 3,231 |
| Efficiency ratio | 78.1790% | 2,604 |
| Assets per employee ($millions) | 3.4646% | 5,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 4,217 |
| Loan loss allowance to noncurrent loans | 37.9580% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 3.2082% | 2,230 |
| Noncurrent loans to loans | 3.8143% | 2,012 |
| Net loans and leases to total assets | 62.0860% | 4,517 |
| Net loans and leases to deposits | 70.3217% | 5,102 |
| Net loans and leases to core deposits | 77.5401% | 4,857 |
| Total domestic deposits to total assets | 88.2885% | 1,804 |
| Equity capital to assets | 10.6796% | 3,313 |
| Core capital (leverage) ratio | 9.4988% | 3,906 |
| Tier 1 risk-based capital ratio | 12.3540% | 5,116 |
| Total risk-based capital ratio | 13.5561% | 5,150 |
| Memoranda: | ||
| Average total assets | $66,818,000 | 6,033 |
| Average earning assets | $57,800,750 | 6,134 |
| Average equity | $7,249,500 | 6,027 |
| Average total loans | $42,517,500 | 5,895 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1677% | 4,104 |
| Cost of funding earning assets | 1.5100% | 3,204 |
| Net interest margin | 3.6577% | 4,547 |
| Noninterest income to average assets | 0.7486% | 2,403 |
| Noninterest expense to average assets | 2.9821% | 3,770 |
| Loan and lease loss provision to assets | 0.0515% | 6,454 |
| Net operating income to assets | 0.5273% | 4,211 |
| Return on assets (ROA) | 0.5273% | 4,364 |
| Pretax return on assets | 0.8789% | 3,584 |
| Return on Equity (ROE) | 4.8338% | 4,365 |
| Retained earnings to average equity (ytd only) | 4.8338% | 2,993 |
| Net charge-offs to loans | 0.0427% | 5,779 |
| Credit loss provision to net charge-offs | 188.8889% | 2,090 |
| Earnings coverage of net charge-offs (x) | 34.1111% | 826 |
| Efficiency ratio | 76.2200% | 3,036 |
| Assets per employee ($millions) | 3.2253% | 5,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5638% | 3,617 |
| Loan loss allowance to noncurrent loans | 65.7760% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.4853% | 4,232 |
| Noncurrent loans to loans | 2.3774% | 3,280 |
| Net loans and leases to total assets | 59.4800% | 5,160 |
| Net loans and leases to deposits | 67.3369% | 5,637 |
| Net loans and leases to core deposits | 76.2304% | 5,168 |
| Total domestic deposits to total assets | 88.3320% | 1,812 |
| Equity capital to assets | 10.8132% | 3,064 |
| Core capital (leverage) ratio | 9.7238% | 3,508 |
| Tier 1 risk-based capital ratio | 12.7997% | 4,607 |
| Total risk-based capital ratio | 14.0637% | 4,556 |
| Memoranda: | ||
| Average total assets | $65,993,670 | 6,108 |
| Average earning assets | $57,085,670 | 6,195 |
| Average equity | $7,199,330 | 6,071 |
| Average total loans | $42,139,330 | 5,948 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2117% | 3,956 |
| Cost of funding earning assets | 1.5011% | 3,546 |
| Net interest margin | 3.7106% | 4,186 |
| Noninterest income to average assets | 0.7002% | 2,603 |
| Noninterest expense to average assets | 3.1202% | 3,184 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4975% | 4,401 |
| Return on assets (ROA) | 0.4975% | 4,540 |
| Pretax return on assets | 0.8292% | 3,746 |
| Return on Equity (ROE) | 4.5397% | 4,631 |
| Retained earnings to average equity (ytd only) | 4.5397% | 3,430 |
| Net charge-offs to loans | -0.0281% | 7,170 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0047% | 2,722 |
| Assets per employee ($millions) | 3.1579% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 3,742 |
| Loan loss allowance to noncurrent loans | 72.2412% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.3752% | 4,448 |
| Noncurrent loans to loans | 2.1200% | 3,622 |
| Net loans and leases to total assets | 61.5643% | 4,846 |
| Net loans and leases to deposits | 69.7528% | 5,379 |
| Net loans and leases to core deposits | 81.0301% | 4,618 |
| Total domestic deposits to total assets | 88.2608% | 1,919 |
| Equity capital to assets | 10.8435% | 2,906 |
| Core capital (leverage) ratio | 9.9894% | 3,174 |
| Tier 1 risk-based capital ratio | 12.6390% | 4,609 |
| Total risk-based capital ratio | 13.8952% | 4,573 |
| Memoranda: | ||
| Average total assets | $65,124,500 | 6,205 |
| Average earning assets | $57,025,500 | 6,277 |
| Average equity | $7,137,000 | 6,138 |
| Average total loans | $42,745,500 | 5,995 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5975% | 3,623 |
| Cost of funding earning assets | 1.9694% | 3,105 |
| Net interest margin | 3.6281% | 4,444 |
| Noninterest income to average assets | 0.7361% | 2,758 |
| Noninterest expense to average assets | 3.2491% | 3,196 |
| Loan and lease loss provision to assets | 0.6073% | 3,367 |
| Net operating income to assets | -0.0223% | 5,534 |
| Return on assets (ROA) | 0.0719% | 5,331 |
| Pretax return on assets | 0.2108% | 4,980 |
| Return on Equity (ROE) | 0.6094% | 5,354 |
| Retained earnings to average equity (ytd only) | 0.6094% | 4,563 |
| Net charge-offs to loans | 0.5487% | 3,591 |
| Credit loss provision to net charge-offs | 164.2534% | 2,661 |
| Earnings coverage of net charge-offs (x) | 1.8145% | 4,364 |
| Efficiency ratio | 82.8852% | 2,491 |
| Assets per employee ($millions) | 3.0444% | 6,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 4,053 |
| Loan loss allowance to noncurrent loans | 47.0238% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 2.3290% | 2,969 |
| Noncurrent loans to loans | 3.0525% | 2,523 |
| Net loans and leases to total assets | 67.8789% | 3,731 |
| Net loans and leases to deposits | 77.0721% | 4,548 |
| Net loans and leases to core deposits | 107.9984% | 3,102 |
| Total domestic deposits to total assets | 88.0719% | 1,941 |
| Equity capital to assets | 11.0788% | 2,647 |
| Core capital (leverage) ratio | 9.9709% | 3,119 |
| Tier 1 risk-based capital ratio | 12.2582% | 4,719 |
| Total risk-based capital ratio | 13.4868% | 4,702 |
| Memoranda: | ||
| Average total assets | $59,771,000 | 6,355 |
| Average earning assets | $52,452,200 | 6,437 |
| Average equity | $7,055,800 | 6,254 |
| Average total loans | $40,275,800 | 6,092 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6706% | 3,471 |
| Cost of funding earning assets | 2.0705% | 3,032 |
| Net interest margin | 3.6001% | 4,482 |
| Noninterest income to average assets | 0.7038% | 2,993 |
| Noninterest expense to average assets | 3.3054% | 2,900 |
| Loan and lease loss provision to assets | 0.4518% | 3,657 |
| Net operating income to assets | 0.0569% | 5,586 |
| Return on assets (ROA) | 0.1498% | 5,381 |
| Pretax return on assets | 0.2497% | 5,189 |
| Return on Equity (ROE) | 1.2484% | 5,419 |
| Retained earnings to average equity (ytd only) | 1.2484% | 4,624 |
| Net charge-offs to loans | 0.1695% | 5,037 |
| Credit loss provision to net charge-offs | 398.0000% | 1,001 |
| Earnings coverage of net charge-offs (x) | 4.8997% | 2,976 |
| Efficiency ratio | 85.5967% | 2,108 |
| Assets per employee ($millions) | 2.8501% | 6,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 3,497 |
| Loan loss allowance to noncurrent loans | 47.2633% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 2.3412% | 2,938 |
| Noncurrent loans to loans | 3.1520% | 2,396 |
| Net loans and leases to total assets | 67.3886% | 4,095 |
| Net loans and leases to deposits | 77.6143% | 4,796 |
| Net loans and leases to core deposits | 109.2710% | 3,314 |
| Total domestic deposits to total assets | 86.8250% | 2,271 |
| Equity capital to assets | 11.3569% | 2,706 |
| Core capital (leverage) ratio | 10.5594% | 2,750 |
| Tier 1 risk-based capital ratio | 12.6385% | 4,447 |
| Total risk-based capital ratio | 13.9086% | 4,376 |
| Memoranda: | ||
| Average total assets | $58,730,500 | 6,439 |
| Average earning assets | $51,516,250 | 6,516 |
| Average equity | $7,049,000 | 6,302 |
| Average total loans | $39,337,500 | 6,185 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7545% | 3,275 |
| Cost of funding earning assets | 2.1654% | 2,959 |
| Net interest margin | 3.5891% | 4,412 |
| Noninterest income to average assets | 0.6654% | 3,230 |
| Noninterest expense to average assets | 3.2505% | 3,154 |
| Loan and lease loss provision to assets | 0.2439% | 4,630 |
| Net operating income to assets | 0.1826% | 5,327 |
| Return on assets (ROA) | 0.2160% | 5,285 |
| Pretax return on assets | 0.3588% | 5,049 |
| Return on Equity (ROE) | 1.7651% | 5,385 |
| Retained earnings to average equity (ytd only) | 1.7651% | 4,359 |
| Net charge-offs to loans | 0.0839% | 5,366 |
| Credit loss provision to net charge-offs | 437.5000% | 1,061 |
| Earnings coverage of net charge-offs (x) | 9.8750% | 2,059 |
| Efficiency ratio | 85.5179% | 2,284 |
| Assets per employee ($millions) | 2.7546% | 6,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 4,048 |
| Loan loss allowance to noncurrent loans | 120.3540% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 1.3086% | 4,330 |
| Noncurrent loans to loans | 1.1120% | 4,994 |
| Net loans and leases to total assets | 66.1788% | 4,533 |
| Net loans and leases to deposits | 76.2583% | 5,131 |
| Net loans and leases to core deposits | 107.4769% | 3,667 |
| Total domestic deposits to total assets | 86.7824% | 2,362 |
| Equity capital to assets | 11.6269% | 2,447 |
| Core capital (leverage) ratio | 10.7665% | 2,595 |
| Tier 1 risk-based capital ratio | 13.4517% | 3,843 |
| Total risk-based capital ratio | 14.6087% | 3,832 |
| Memoranda: | ||
| Average total assets | $57,406,670 | 6,534 |
| Average earning assets | $50,151,670 | 6,626 |
| Average equity | $7,025,000 | 6,362 |
| Average total loans | $38,152,330 | 6,288 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8361% | 3,112 |
| Cost of funding earning assets | 2.2213% | 3,053 |
| Net interest margin | 3.6148% | 4,258 |
| Noninterest income to average assets | 0.6594% | 3,139 |
| Noninterest expense to average assets | 3.4331% | 2,269 |
| Loan and lease loss provision to assets | 0.3225% | 3,392 |
| Net operating income to assets | 0.0361% | 6,174 |
| Return on assets (ROA) | 0.1003% | 6,147 |
| Pretax return on assets | 0.1648% | 6,018 |
| Return on Equity (ROE) | 0.7983% | 6,188 |
| Retained earnings to average equity (ytd only) | 0.7983% | 5,340 |
| Net charge-offs to loans | 0.0759% | 4,420 |
| Credit loss provision to net charge-offs | 642.8571% | 893 |
| Earnings coverage of net charge-offs (x) | 7.7143% | 2,309 |
| Efficiency ratio | 89.8687% | 1,730 |
| Assets per employee ($millions) | 2.6453% | 6,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3683% | 3,693 |
| Loan loss allowance to noncurrent loans | 158.5586% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 1.1581% | 4,354 |
| Noncurrent loans to loans | 0.8630% | 5,292 |
| Net loans and leases to total assets | 65.3968% | 4,728 |
| Net loans and leases to deposits | 76.8605% | 5,108 |
| Net loans and leases to core deposits | 105.3799% | 3,986 |
| Total domestic deposits to total assets | 85.0851% | 3,160 |
| Equity capital to assets | 12.0934% | 2,207 |
| Core capital (leverage) ratio | 11.1415% | 2,382 |
| Tier 1 risk-based capital ratio | 13.6661% | 3,757 |
| Total risk-based capital ratio | 14.8158% | 3,749 |
| Memoranda: | ||
| Average total assets | $55,809,500 | 6,638 |
| Average earning assets | $48,799,500 | 6,716 |
| Average equity | $7,014,500 | 6,404 |
| Average total loans | $36,904,000 | 6,384 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4144% | 3,338 |
| Cost of funding earning assets | 2.8794% | 2,356 |
| Net interest margin | 3.5350% | 5,169 |
| Noninterest income to average assets | 0.6840% | 3,219 |
| Noninterest expense to average assets | 2.9060% | 4,430 |
| Loan and lease loss provision to assets | 0.1645% | 5,281 |
| Net operating income to assets | 0.3009% | 5,536 |
| Return on assets (ROA) | 0.3009% | 5,354 |
| Pretax return on assets | 0.7475% | 4,254 |
| Return on Equity (ROE) | 2.3461% | 5,479 |
| Retained earnings to average equity (ytd only) | 2.3461% | 3,742 |
| Net charge-offs to loans | 0.2606% | 3,674 |
| Credit loss provision to net charge-offs | 101.1494% | 5,250 |
| Earnings coverage of net charge-offs (x) | 5.6092% | 3,586 |
| Efficiency ratio | 76.1136% | 3,220 |
| Assets per employee ($millions) | 2.4283% | 7,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3912% | 3,249 |
| Loan loss allowance to noncurrent loans | 318.1818% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.8030% | 4,846 |
| Noncurrent loans to loans | 0.4372% | 6,043 |
| Net loans and leases to total assets | 65.0125% | 5,062 |
| Net loans and leases to deposits | 80.0567% | 5,038 |
| Net loans and leases to core deposits | 111.5461% | 3,610 |
| Total domestic deposits to total assets | 81.2081% | 4,554 |
| Equity capital to assets | 13.0864% | 1,748 |
| Core capital (leverage) ratio | 11.8168% | 2,071 |
| Tier 1 risk-based capital ratio | 14.8634% | 3,118 |
| Total risk-based capital ratio | 16.0263% | 3,086 |
| Memoranda: | ||
| Average total assets | $53,509,600 | 6,639 |
| Average earning assets | $47,439,800 | 6,690 |
| Average equity | $6,862,400 | 6,503 |
| Average total loans | $33,383,200 | 6,518 |