Home > Planters and Citizens Bank > Performance and Condition Ratios
Planters and Citizens Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4585% | 2,181 |
| Cost of funding earning assets | 1.7304% | 2,650 |
| Net interest margin | 3.7282% | 1,825 |
| Noninterest income to average assets | 0.4200% | 2,117 |
| Noninterest expense to average assets | 2.8574% | 1,393 |
| Loan and lease loss provision to assets | 0.1200% | 1,082 |
| Net operating income to assets | 0.7284% | 3,033 |
| Return on assets (ROA) | 0.7284% | 3,037 |
| Pretax return on assets | 0.8634% | 3,052 |
| Return on Equity (ROE) | 10.4000% | 2,205 |
| Retained earnings to average equity (ytd only) | 7.3870% | 1,871 |
| Net charge-offs to loans | -0.0097% | 3,914 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 74.4868% | 1,387 |
| Assets per employee ($millions) | 7.2111% | 2,076 |
| Cash dividends to net income (ytd only)* | 28.9575% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 1,179 |
| Loan loss allowance to noncurrent loans | 208.5217% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 1,753 |
| Noncurrent loans to loans | 0.6907% | 1,477 |
| Net loans and leases to total assets | 56.8900% | 3,133 |
| Net loans and leases to deposits | 66.2206% | 3,118 |
| Net loans and leases to core deposits | 72.5326% | 3,162 |
| Total domestic deposits to total assets | 85.9100% | 2,329 |
| Equity capital to assets | 7.1148% | 3,996 |
| Core capital (leverage) ratio | 9.9660% | 2,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $142,229,000 | 3,423 |
| Average earning assets | $130,144,500 | 3,436 |
| Average equity | $9,963,500 | 3,788 |
| Average total loans | $82,883,500 | 3,408 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3429% | 2,448 |
| Cost of funding earning assets | 1.4215% | 3,492 |
| Net interest margin | 3.9215% | 1,318 |
| Noninterest income to average assets | 0.4600% | 2,109 |
| Noninterest expense to average assets | 2.9370% | 1,256 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | 0.7903% | 2,714 |
| Return on assets (ROA) | 0.7439% | 2,867 |
| Pretax return on assets | 0.9239% | 2,739 |
| Return on Equity (ROE) | 10.7600% | 1,963 |
| Retained earnings to average equity (ytd only) | 7.5316% | 1,265 |
| Net charge-offs to loans | 0.0213% | 2,176 |
| Credit loss provision to net charge-offs | 993.7500% | 393 |
| Earnings coverage of net charge-offs (x) | 92.3750% | 847 |
| Efficiency ratio | 72.7608% | 1,695 |
| Assets per employee ($millions) | 7.0119% | 2,150 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 1,303 |
| Loan loss allowance to noncurrent loans | 103.6804% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.7944% | 911 |
| Noncurrent loans to loans | 1.3499% | 737 |
| Net loans and leases to total assets | 58.0200% | 3,103 |
| Net loans and leases to deposits | 67.3925% | 3,114 |
| Net loans and leases to core deposits | 73.7936% | 3,164 |
| Total domestic deposits to total assets | 86.0900% | 2,193 |
| Equity capital to assets | 6.8926% | 4,006 |
| Core capital (leverage) ratio | 10.4066% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $134,423,200 | 3,497 |
| Average earning assets | $122,480,000 | 3,503 |
| Average equity | $9,294,200 | 3,832 |
| Average total loans | $75,075,800 | 3,492 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2675% | 2,521 |
| Cost of funding earning assets | 1.3576% | 3,583 |
| Net interest margin | 3.9099% | 1,283 |
| Noninterest income to average assets | 0.4700% | 2,018 |
| Noninterest expense to average assets | 2.9881% | 1,125 |
| Loan and lease loss provision to assets | 0.1000% | 1,278 |
| Net operating income to assets | 0.7559% | 2,824 |
| Return on assets (ROA) | 0.6949% | 3,016 |
| Pretax return on assets | 0.8744% | 2,862 |
| Return on Equity (ROE) | 10.0400% | 2,187 |
| Retained earnings to average equity (ytd only) | 6.7815% | 1,813 |
| Net charge-offs to loans | 0.0073% | 2,391 |
| Credit loss provision to net charge-offs | 2,400.0000% | 199 |
| Earnings coverage of net charge-offs (x) | 261.2500% | 431 |
| Efficiency ratio | 74.0373% | 1,587 |
| Assets per employee ($millions) | 6.9562% | 2,173 |
| Cash dividends to net income (ytd only)* | 32.4675% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 1,350 |
| Loan loss allowance to noncurrent loans | 83.1198% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.9538% | 704 |
| Noncurrent loans to loans | 1.6818% | 522 |
| Net loans and leases to total assets | 55.9200% | 3,267 |
| Net loans and leases to deposits | 63.8432% | 3,375 |
| Net loans and leases to core deposits | 69.8403% | 3,399 |
| Total domestic deposits to total assets | 87.5900% | 1,390 |
| Equity capital to assets | 7.4136% | 3,999 |
| Core capital (leverage) ratio | 10.0470% | 2,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $132,969,750 | 3,509 |
| Average earning assets | $121,192,500 | 3,524 |
| Average equity | $9,201,250 | 3,857 |
| Average total loans | $73,214,250 | 3,528 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2307% | 2,479 |
| Cost of funding earning assets | 1.2106% | 3,769 |
| Net interest margin | 4.0201% | 1,087 |
| Noninterest income to average assets | 0.4800% | 1,948 |
| Noninterest expense to average assets | 2.9973% | 1,111 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 0.8415% | 2,489 |
| Return on assets (ROA) | 0.7486% | 2,804 |
| Pretax return on assets | 0.9441% | 2,642 |
| Return on Equity (ROE) | 11.1000% | 1,850 |
| Retained earnings to average equity (ytd only) | 7.7007% | 1,458 |
| Net charge-offs to loans | 0.0056% | 2,233 |
| Credit loss provision to net charge-offs | 2,500.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 372.5000% | 327 |
| Efficiency ratio | 72.4788% | 1,804 |
| Assets per employee ($millions) | 6.7074% | 2,259 |
| Cash dividends to net income (ytd only)* | 30.6122% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 1,388 |
| Loan loss allowance to noncurrent loans | 77.3158% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 1.0220% | 584 |
| Noncurrent loans to loans | 1.8077% | 432 |
| Net loans and leases to total assets | 55.7500% | 3,284 |
| Net loans and leases to deposits | 63.3028% | 3,397 |
| Net loans and leases to core deposits | 68.9444% | 3,419 |
| Total domestic deposits to total assets | 88.0700% | 1,306 |
| Equity capital to assets | 6.7985% | 4,013 |
| Core capital (leverage) ratio | 10.8912% | 2,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $130,918,667 | 3,539 |
| Average earning assets | $118,952,333 | 3,548 |
| Average equity | $8,830,333 | 3,881 |
| Average total loans | $71,318,000 | 3,558 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2722% | 2,247 |
| Cost of funding earning assets | 1.1395% | 3,825 |
| Net interest margin | 4.1328% | 935 |
| Noninterest income to average assets | 0.5200% | 1,683 |
| Noninterest expense to average assets | 3.1368% | 915 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.8588% | 2,363 |
| Return on assets (ROA) | 0.7146% | 2,815 |
| Pretax return on assets | 0.9002% | 2,666 |
| Return on Equity (ROE) | 10.6400% | 1,946 |
| Retained earnings to average equity (ytd only) | 7.1844% | 1,773 |
| Net charge-offs to loans | 0.0058% | 1,900 |
| Credit loss provision to net charge-offs | 1,900.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 369.0000% | 250 |
| Efficiency ratio | 73.3189% | 1,802 |
| Assets per employee ($millions) | 6.4708% | 2,475 |
| Cash dividends to net income (ytd only)* | 32.4675% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 1,191 |
| Loan loss allowance to noncurrent loans | 335.5049% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 2,176 |
| Noncurrent loans to loans | 0.4345% | 1,835 |
| Net loans and leases to total assets | 53.8000% | 3,363 |
| Net loans and leases to deposits | 57.8909% | 3,629 |
| Net loans and leases to core deposits | 59.6900% | 3,780 |
| Total domestic deposits to total assets | 92.9300% | 196 |
| Equity capital to assets | 6.7365% | 4,001 |
| Core capital (leverage) ratio | 10.8268% | 2,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $129,304,500 | 3,560 |
| Average earning assets | $117,597,000 | 3,576 |
| Average equity | $8,685,500 | 3,914 |
| Average total loans | $69,055,000 | 3,601 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7161% | 2,643 |
| Cost of funding earning assets | 1.0768% | 3,121 |
| Net interest margin | 3.6392% | 1,880 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.9124% | 1,252 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.6147% | 3,405 |
| Return on assets (ROA) | 0.5761% | 3,490 |
| Pretax return on assets | 0.7003% | 3,436 |
| Return on Equity (ROE) | 9.6200% | 2,604 |
| Retained earnings to average equity (ytd only) | 5.7541% | 2,340 |
| Net charge-offs to loans | 0.0125% | 2,182 |
| Credit loss provision to net charge-offs | 1,900.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 143.5000% | 730 |
| Efficiency ratio | 76.6856% | 1,191 |
| Assets per employee ($millions) | 6.1521% | 2,691 |
| Cash dividends to net income (ytd only)* | 40.1606% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 1,050 |
| Loan loss allowance to noncurrent loans | 302.0896% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 1,919 |
| Noncurrent loans to loans | 0.4966% | 1,543 |
| Net loans and leases to total assets | 51.4300% | 3,514 |
| Net loans and leases to deposits | 55.3066% | 3,740 |
| Net loans and leases to core deposits | 56.7052% | 3,888 |
| Total domestic deposits to total assets | 92.9900% | 176 |
| Equity capital to assets | 6.6977% | 4,050 |
| Core capital (leverage) ratio | 10.6712% | 2,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $129,654,400 | 3,555 |
| Average earning assets | $117,937,000 | 3,565 |
| Average equity | $7,768,400 | 3,961 |
| Average total loans | $64,035,200 | 3,648 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4756% | 2,708 |
| Cost of funding earning assets | 0.9479% | 2,785 |
| Net interest margin | 3.5277% | 2,205 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.8730% | 1,272 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.6167% | 3,538 |
| Return on assets (ROA) | 0.6167% | 3,542 |
| Pretax return on assets | 0.7552% | 3,495 |
| Return on Equity (ROE) | 10.4500% | 2,572 |
| Retained earnings to average equity (ytd only) | 6.5396% | 2,442 |
| Net charge-offs to loans | 0.0031% | 2,218 |
| Credit loss provision to net charge-offs | 2,900.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 533.0000% | 276 |
| Efficiency ratio | 77.8009% | 1,014 |
| Assets per employee ($millions) | 6.8515% | 2,042 |
| Cash dividends to net income (ytd only)* | 37.4065% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 1,714 |
| Loan loss allowance to noncurrent loans | 165.8041% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.4156% | 1,284 |
| Noncurrent loans to loans | 0.8141% | 938 |
| Net loans and leases to total assets | 50.3600% | 3,537 |
| Net loans and leases to deposits | 53.7346% | 3,761 |
| Net loans and leases to core deposits | 55.2002% | 3,837 |
| Total domestic deposits to total assets | 93.7100% | 168 |
| Equity capital to assets | 5.9972% | 4,154 |
| Core capital (leverage) ratio | 10.4282% | 2,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $130,038,000 | 3,571 |
| Average earning assets | $118,152,000 | 3,589 |
| Average equity | $7,676,333 | 3,987 |
| Average total loans | $63,811,000 | 3,659 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3695% | 2,633 |
| Cost of funding earning assets | 0.7994% | 2,740 |
| Net interest margin | 3.5702% | 2,192 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.9792% | 1,094 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.5078% | 3,880 |
| Return on assets (ROA) | 0.5078% | 3,842 |
| Pretax return on assets | 0.6402% | 3,778 |
| Return on Equity (ROE) | 8.6700% | 3,140 |
| Retained earnings to average equity (ytd only) | 4.7300% | 3,080 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.3320% | 804 |
| Assets per employee ($millions) | 6.4894% | 2,350 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 1,562 |
| Loan loss allowance to noncurrent loans | 216.1369% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 1,592 |
| Noncurrent loans to loans | 0.6553% | 1,148 |
| Net loans and leases to total assets | 47.4100% | 3,675 |
| Net loans and leases to deposits | 51.4580% | 3,819 |
| Net loans and leases to core deposits | 52.8998% | 3,875 |
| Total domestic deposits to total assets | 92.1300% | 488 |
| Equity capital to assets | 6.0422% | 4,187 |
| Core capital (leverage) ratio | 10.2956% | 2,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $129,968,000 | 3,614 |
| Average earning assets | $118,090,000 | 3,632 |
| Average equity | $7,611,000 | 4,045 |
| Average total loans | $62,491,500 | 3,725 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5992% | 2,805 |
| Cost of funding earning assets | 0.1642% | 4,037 |
| Net interest margin | 3.4350% | 2,141 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.6682% | 1,631 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.6349% | 3,789 |
| Return on assets (ROA) | 0.6349% | 3,742 |
| Pretax return on assets | 0.7621% | 3,713 |
| Return on Equity (ROE) | 9.4300% | 2,988 |
| Retained earnings to average equity (ytd only) | 6.4809% | 2,459 |
| Net charge-offs to loans | -0.0106% | 3,849 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.8944% | 1,022 |
| Assets per employee ($millions) | 6.5074% | 2,330 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 1,534 |
| Loan loss allowance to noncurrent loans | 195.2809% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 1,486 |
| Noncurrent loans to loans | 0.7112% | 1,055 |
| Net loans and leases to total assets | 47.4100% | 3,711 |
| Net loans and leases to deposits | 52.2949% | 3,785 |
| Net loans and leases to core deposits | 53.1573% | 3,857 |
| Total domestic deposits to total assets | 90.6500% | 1,082 |
| Equity capital to assets | 5.6705% | 4,190 |
| Core capital (leverage) ratio | 10.4118% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $133,573,400 | 3,600 |
| Average earning assets | $119,331,000 | 3,631 |
| Average equity | $8,995,600 | 3,994 |
| Average total loans | $56,360,600 | 3,800 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4385% | 2,810 |
| Cost of funding earning assets | 0.1025% | 4,263 |
| Net interest margin | 3.3361% | 2,184 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.6184% | 1,673 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.5723% | 3,906 |
| Return on assets (ROA) | 0.5723% | 3,858 |
| Pretax return on assets | 0.7121% | 3,779 |
| Return on Equity (ROE) | 8.1800% | 3,272 |
| Retained earnings to average equity (ytd only) | 5.3619% | 2,972 |
| Net charge-offs to loans | -0.0122% | 3,785 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.6551% | 1,025 |
| Assets per employee ($millions) | 6.7674% | 2,120 |
| Cash dividends to net income (ytd only)* | 34.4887% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4226% | 1,538 |
| Loan loss allowance to noncurrent loans | 177.0042% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 1,548 |
| Noncurrent loans to loans | 0.8037% | 997 |
| Net loans and leases to total assets | 42.9600% | 3,939 |
| Net loans and leases to deposits | 45.5128% | 4,050 |
| Net loans and leases to core deposits | 46.2117% | 4,097 |
| Total domestic deposits to total assets | 94.3800% | 309 |
| Equity capital to assets | 5.3536% | 4,174 |
| Core capital (leverage) ratio | 9.7287% | 2,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $134,429,750 | 3,615 |
| Average earning assets | $119,698,750 | 3,651 |
| Average equity | $9,399,500 | 3,989 |
| Average total loans | $54,809,250 | 3,838 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2070% | 3,020 |
| Cost of funding earning assets | 0.0801% | 4,378 |
| Net interest margin | 3.1269% | 2,450 |
| Noninterest income to average assets | 0.4324% | 2,559 |
| Noninterest expense to average assets | 2.5573% | 1,759 |
| Loan and lease loss provision to assets | 0.0850% | 1,165 |
| Net operating income to assets | 0.4787% | 3,949 |
| Return on assets (ROA) | 0.4787% | 3,900 |
| Pretax return on assets | 0.5830% | 3,846 |
| Return on Equity (ROE) | 6.3455% | 3,490 |
| Retained earnings to average equity (ytd only) | 3.7164% | 3,199 |
| Net charge-offs to loans | -0.0187% | 3,837 |
| Credit loss provision to net charge-offs | -1,140.0000% | 3,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2880% | 1,001 |
| Assets per employee ($millions) | 6.8019% | 2,069 |
| Cash dividends to net income (ytd only)* | 41.4330% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 1,624 |
| Loan loss allowance to noncurrent loans | 161.8762% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 1,521 |
| Noncurrent loans to loans | 0.8853% | 954 |
| Net loans and leases to total assets | 41.0013% | 4,031 |
| Net loans and leases to deposits | 43.5802% | 4,125 |
| Net loans and leases to core deposits | 44.1525% | 4,185 |
| Total domestic deposits to total assets | 94.0825% | 268 |
| Equity capital to assets | 5.7139% | 4,297 |
| Core capital (leverage) ratio | 9.4697% | 2,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,123,667 | 3,661 |
| Average earning assets | $119,800,000 | 3,700 |
| Average equity | $10,117,333 | 3,969 |
| Average total loans | $53,419,667 | 3,905 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0523% | 3,103 |
| Cost of funding earning assets | 0.0832% | 4,316 |
| Net interest margin | 2.9691% | 2,605 |
| Noninterest income to average assets | 0.4385% | 2,448 |
| Noninterest expense to average assets | 2.5472% | 1,763 |
| Loan and lease loss provision to assets | 0.0871% | 953 |
| Net operating income to assets | 0.3905% | 3,973 |
| Return on assets (ROA) | 0.3905% | 3,939 |
| Pretax return on assets | 0.4836% | 3,893 |
| Return on Equity (ROE) | 4.6060% | 3,730 |
| Retained earnings to average equity (ytd only) | 2.2676% | 3,475 |
| Net charge-offs to loans | -0.0154% | 3,780 |
| Credit loss provision to net charge-offs | -1,450.0000% | 3,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6956% | 1,011 |
| Assets per employee ($millions) | 6.3904% | 2,457 |
| Cash dividends to net income (ytd only)* | 50.7692% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 1,542 |
| Loan loss allowance to noncurrent loans | 146.9811% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 1,519 |
| Noncurrent loans to loans | 1.0217% | 887 |
| Net loans and leases to total assets | 38.0728% | 4,115 |
| Net loans and leases to deposits | 41.2356% | 4,194 |
| Net loans and leases to core deposits | 41.9714% | 4,240 |
| Total domestic deposits to total assets | 92.3300% | 462 |
| Equity capital to assets | 7.5620% | 3,887 |
| Core capital (leverage) ratio | 9.4665% | 2,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,167,000 | 3,690 |
| Average earning assets | $120,171,500 | 3,713 |
| Average equity | $11,289,500 | 3,928 |
| Average total loans | $51,835,500 | 3,945 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3271% | 3,125 |
| Cost of funding earning assets | 0.1278% | 4,167 |
| Net interest margin | 3.1993% | 2,598 |
| Noninterest income to average assets | 0.4158% | 2,972 |
| Noninterest expense to average assets | 2.6392% | 1,778 |
| Loan and lease loss provision to assets | 0.0714% | 1,662 |
| Net operating income to assets | 0.4950% | 4,102 |
| Return on assets (ROA) | 0.4950% | 4,143 |
| Pretax return on assets | 0.6119% | 4,087 |
| Return on Equity (ROE) | 4.9972% | 3,997 |
| Retained earnings to average equity (ytd only) | 2.8986% | 3,678 |
| Net charge-offs to loans | 0.0349% | 1,542 |
| Credit loss provision to net charge-offs | 505.5556% | 792 |
| Earnings coverage of net charge-offs (x) | 48.3889% | 1,316 |
| Efficiency ratio | 79.4333% | 843 |
| Assets per employee ($millions) | 6.0062% | 2,771 |
| Cash dividends to net income (ytd only)* | 41.9968% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 1,745 |
| Loan loss allowance to noncurrent loans | 132.5664% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.4276% | 1,534 |
| Noncurrent loans to loans | 1.0908% | 887 |
| Net loans and leases to total assets | 38.6344% | 4,155 |
| Net loans and leases to deposits | 42.7157% | 4,240 |
| Net loans and leases to core deposits | 43.5997% | 4,284 |
| Total domestic deposits to total assets | 90.4455% | 739 |
| Equity capital to assets | 9.4077% | 3,215 |
| Core capital (leverage) ratio | 9.6401% | 2,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,464,400 | 3,711 |
| Average earning assets | $115,807,400 | 3,741 |
| Average equity | $12,627,000 | 3,865 |
| Average total loans | $51,549,400 | 3,967 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3948% | 3,116 |
| Cost of funding earning assets | 0.1328% | 4,247 |
| Net interest margin | 3.2620% | 2,540 |
| Noninterest income to average assets | 0.4138% | 3,010 |
| Noninterest expense to average assets | 2.5643% | 1,946 |
| Loan and lease loss provision to assets | 0.0855% | 1,395 |
| Net operating income to assets | 0.5754% | 4,049 |
| Return on assets (ROA) | 0.5754% | 4,094 |
| Pretax return on assets | 0.7200% | 4,033 |
| Return on Equity (ROE) | 5.7325% | 3,978 |
| Retained earnings to average equity (ytd only) | 3.6393% | 3,701 |
| Net charge-offs to loans | 0.0155% | 1,773 |
| Credit loss provision to net charge-offs | 1,350.0000% | 432 |
| Earnings coverage of net charge-offs (x) | 127.1667% | 749 |
| Efficiency ratio | 76.0965% | 1,032 |
| Assets per employee ($millions) | 5.7275% | 2,963 |
| Cash dividends to net income (ytd only)* | 36.5138% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 2,034 |
| Loan loss allowance to noncurrent loans | 126.2626% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.4714% | 1,611 |
| Noncurrent loans to loans | 1.1064% | 1,009 |
| Net loans and leases to total assets | 42.0134% | 4,091 |
| Net loans and leases to deposits | 46.9363% | 4,182 |
| Net loans and leases to core deposits | 47.9711% | 4,242 |
| Total domestic deposits to total assets | 89.5115% | 1,001 |
| Equity capital to assets | 10.2432% | 2,661 |
| Core capital (leverage) ratio | 9.6945% | 2,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,296,500 | 3,761 |
| Average earning assets | $114,445,750 | 3,797 |
| Average equity | $12,676,000 | 3,918 |
| Average total loans | $51,487,000 | 4,022 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3452% | 3,323 |
| Cost of funding earning assets | 0.1323% | 4,335 |
| Net interest margin | 3.2128% | 2,718 |
| Noninterest income to average assets | 0.4114% | 3,052 |
| Noninterest expense to average assets | 2.5128% | 2,101 |
| Loan and lease loss provision to assets | 0.0854% | 1,436 |
| Net operating income to assets | 0.5728% | 4,043 |
| Return on assets (ROA) | 0.5728% | 4,095 |
| Pretax return on assets | 0.7326% | 4,000 |
| Return on Equity (ROE) | 5.7465% | 3,968 |
| Retained earnings to average equity (ytd only) | 3.6352% | 3,639 |
| Net charge-offs to loans | -0.0118% | 3,734 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4394% | 1,136 |
| Assets per employee ($millions) | 5.7040% | 2,893 |
| Cash dividends to net income (ytd only)* | 36.7403% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 2,090 |
| Loan loss allowance to noncurrent loans | 116.5605% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.5005% | 1,669 |
| Noncurrent loans to loans | 1.1782% | 1,026 |
| Net loans and leases to total assets | 41.8928% | 4,187 |
| Net loans and leases to deposits | 46.7164% | 4,279 |
| Net loans and leases to core deposits | 47.6389% | 4,342 |
| Total domestic deposits to total assets | 89.6746% | 934 |
| Equity capital to assets | 10.1046% | 2,758 |
| Core capital (leverage) ratio | 9.7072% | 2,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,393,667 | 3,777 |
| Average earning assets | $114,851,333 | 3,800 |
| Average equity | $12,599,000 | 3,935 |
| Average total loans | $50,753,000 | 4,067 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3720% | 3,280 |
| Cost of funding earning assets | 0.1282% | 4,471 |
| Net interest margin | 3.2438% | 2,565 |
| Noninterest income to average assets | 0.4036% | 3,070 |
| Noninterest expense to average assets | 2.3335% | 2,693 |
| Loan and lease loss provision to assets | 0.0883% | 1,496 |
| Net operating income to assets | 0.7316% | 3,629 |
| Return on assets (ROA) | 0.7316% | 3,698 |
| Pretax return on assets | 0.9334% | 3,532 |
| Return on Equity (ROE) | 7.3894% | 3,502 |
| Retained earnings to average equity (ytd only) | 5.2873% | 3,129 |
| Net charge-offs to loans | -0.0162% | 3,889 |
| Credit loss provision to net charge-offs | -1,400.0000% | 3,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5489% | 1,753 |
| Assets per employee ($millions) | 6.0229% | 2,581 |
| Cash dividends to net income (ytd only)* | 28.4483% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 1,931 |
| Loan loss allowance to noncurrent loans | 107.3059% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 1,825 |
| Noncurrent loans to loans | 1.3096% | 993 |
| Net loans and leases to total assets | 39.1071% | 4,380 |
| Net loans and leases to deposits | 43.3863% | 4,447 |
| Net loans and leases to core deposits | 44.2333% | 4,488 |
| Total domestic deposits to total assets | 90.1369% | 756 |
| Equity capital to assets | 9.7082% | 2,990 |
| Core capital (leverage) ratio | 9.8075% | 2,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,847,000 | 3,767 |
| Average earning assets | $115,421,000 | 3,791 |
| Average equity | $12,558,500 | 3,946 |
| Average total loans | $49,478,500 | 4,114 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4988% | 4,035 |
| Cost of funding earning assets | 0.1874% | 4,625 |
| Net interest margin | 3.3114% | 3,040 |
| Noninterest income to average assets | 0.3840% | 3,183 |
| Noninterest expense to average assets | 2.8207% | 1,891 |
| Loan and lease loss provision to assets | 0.1248% | 2,803 |
| Net operating income to assets | 0.4508% | 4,140 |
| Return on assets (ROA) | 0.4648% | 4,188 |
| Pretax return on assets | 0.4965% | 4,278 |
| Return on Equity (ROE) | 4.2298% | 4,106 |
| Retained earnings to average equity (ytd only) | 1.8311% | 3,896 |
| Net charge-offs to loans | 0.0893% | 1,564 |
| Credit loss provision to net charge-offs | 338.0952% | 1,610 |
| Earnings coverage of net charge-offs (x) | 16.4286% | 2,132 |
| Efficiency ratio | 82.3077% | 732 |
| Assets per employee ($millions) | 6.3607% | 2,038 |
| Cash dividends to net income (ytd only)* | 56.7108% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 2,033 |
| Loan loss allowance to noncurrent loans | 98.1105% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.5408% | 1,936 |
| Noncurrent loans to loans | 1.4102% | 960 |
| Net loans and leases to total assets | 37.8216% | 4,525 |
| Net loans and leases to deposits | 42.2071% | 4,593 |
| Net loans and leases to core deposits | 43.0308% | 4,629 |
| Total domestic deposits to total assets | 89.6096% | 723 |
| Equity capital to assets | 10.0917% | 3,043 |
| Core capital (leverage) ratio | 9.5780% | 3,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,801,600 | 3,828 |
| Average earning assets | $104,578,200 | 3,840 |
| Average equity | $12,506,400 | 3,918 |
| Average total loans | $47,015,400 | 4,163 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5509% | 4,125 |
| Cost of funding earning assets | 0.2056% | 4,650 |
| Net interest margin | 3.3452% | 3,051 |
| Noninterest income to average assets | 0.3923% | 3,117 |
| Noninterest expense to average assets | 2.8030% | 1,959 |
| Loan and lease loss provision to assets | 0.1421% | 2,600 |
| Net operating income to assets | 0.4252% | 4,213 |
| Return on assets (ROA) | 0.4406% | 4,251 |
| Pretax return on assets | 0.5493% | 4,193 |
| Return on Equity (ROE) | 3.9172% | 4,177 |
| Retained earnings to average equity (ytd only) | 1.5025% | 4,083 |
| Net charge-offs to loans | 0.1202% | 1,165 |
| Credit loss provision to net charge-offs | 280.9524% | 1,825 |
| Earnings coverage of net charge-offs (x) | 13.2619% | 2,206 |
| Efficiency ratio | 80.6530% | 828 |
| Assets per employee ($millions) | 6.1665% | 2,122 |
| Cash dividends to net income (ytd only)* | 61.6438% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 2,520 |
| Loan loss allowance to noncurrent loans | 8,137.5000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 4,485 |
| Noncurrent loans to loans | 0.0151% | 4,380 |
| Net loans and leases to total assets | 42.4657% | 4,480 |
| Net loans and leases to deposits | 47.5889% | 4,564 |
| Net loans and leases to core deposits | 48.4424% | 4,615 |
| Total domestic deposits to total assets | 89.2346% | 675 |
| Equity capital to assets | 10.3624% | 2,910 |
| Core capital (leverage) ratio | 10.2169% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,448,750 | 3,874 |
| Average earning assets | $101,794,000 | 3,865 |
| Average equity | $12,423,500 | 3,932 |
| Average total loans | $46,572,000 | 4,194 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7097% | 4,066 |
| Cost of funding earning assets | 0.2212% | 4,702 |
| Net interest margin | 3.4885% | 2,827 |
| Noninterest income to average assets | 0.3712% | 3,249 |
| Noninterest expense to average assets | 2.9768% | 1,642 |
| Loan and lease loss provision to assets | 0.1733% | 2,276 |
| Net operating income to assets | 0.3486% | 4,338 |
| Return on assets (ROA) | 0.3730% | 4,345 |
| Pretax return on assets | 0.4597% | 4,317 |
| Return on Equity (ROE) | 3.2183% | 4,300 |
| Retained earnings to average equity (ytd only) | 0.7802% | 4,142 |
| Net charge-offs to loans | 0.2071% | 750 |
| Credit loss provision to net charge-offs | 200.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 6.9565% | 2,402 |
| Efficiency ratio | 83.1579% | 691 |
| Assets per employee ($millions) | 5.8727% | 2,297 |
| Cash dividends to net income (ytd only)* | 75.7576% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 2,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 42.8129% | 4,503 |
| Net loans and leases to deposits | 48.1302% | 4,590 |
| Net loans and leases to core deposits | 48.8270% | 4,647 |
| Total domestic deposits to total assets | 88.9522% | 760 |
| Equity capital to assets | 10.7013% | 2,572 |
| Core capital (leverage) ratio | 10.8849% | 2,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,155,000 | 3,909 |
| Average earning assets | $97,636,333 | 3,915 |
| Average equity | $12,304,667 | 3,947 |
| Average total loans | $44,421,333 | 4,245 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8548% | 4,120 |
| Cost of funding earning assets | 0.2664% | 4,739 |
| Net interest margin | 3.5884% | 2,704 |
| Noninterest income to average assets | 0.4179% | 2,986 |
| Noninterest expense to average assets | 3.0804% | 1,689 |
| Loan and lease loss provision to assets | 0.0995% | 2,442 |
| Net operating income to assets | 0.4572% | 4,000 |
| Return on assets (ROA) | 0.5094% | 3,927 |
| Pretax return on assets | 0.6248% | 3,878 |
| Return on Equity (ROE) | 4.2062% | 3,899 |
| Retained earnings to average equity (ytd only) | 1.7416% | 3,535 |
| Net charge-offs to loans | 0.0486% | 1,524 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 33.2000% | 1,116 |
| Efficiency ratio | 82.3404% | 953 |
| Assets per employee ($millions) | 4.5450% | 3,203 |
| Cash dividends to net income (ytd only)* | 58.5938% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 1,645 |
| Loan loss allowance to noncurrent loans | 11,900.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 4,619 |
| Noncurrent loans to loans | 0.0119% | 4,525 |
| Net loans and leases to total assets | 41.4487% | 4,611 |
| Net loans and leases to deposits | 47.3419% | 4,685 |
| Net loans and leases to core deposits | 48.1622% | 4,724 |
| Total domestic deposits to total assets | 87.5519% | 1,304 |
| Equity capital to assets | 12.2161% | 1,909 |
| Core capital (leverage) ratio | 11.9802% | 1,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,506,000 | 3,981 |
| Average earning assets | $93,078,000 | 3,984 |
| Average equity | $12,172,500 | 3,976 |
| Average total loans | $41,178,500 | 4,347 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9480% | 4,355 |
| Cost of funding earning assets | 0.3093% | 4,710 |
| Net interest margin | 3.6387% | 3,002 |
| Noninterest income to average assets | 0.4680% | 2,915 |
| Noninterest expense to average assets | 3.0966% | 1,770 |
| Loan and lease loss provision to assets | 0.0930% | 2,173 |
| Net operating income to assets | 0.6148% | 4,112 |
| Return on assets (ROA) | 0.6123% | 4,185 |
| Pretax return on assets | 0.7402% | 4,111 |
| Return on Equity (ROE) | 5.3753% | 4,115 |
| Retained earnings to average equity (ytd only) | 2.9513% | 3,555 |
| Net charge-offs to loans | 0.1581% | 1,272 |
| Credit loss provision to net charge-offs | 162.7119% | 1,588 |
| Earnings coverage of net charge-offs (x) | 14.6271% | 2,277 |
| Efficiency ratio | 78.7386% | 1,060 |
| Assets per employee ($millions) | 4.8105% | 2,826 |
| Cash dividends to net income (ytd only)* | 45.0949% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 1,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 39.3403% | 4,759 |
| Net loans and leases to deposits | 44.8100% | 4,809 |
| Net loans and leases to core deposits | 45.4329% | 4,843 |
| Total domestic deposits to total assets | 87.7936% | 1,232 |
| Equity capital to assets | 12.0074% | 2,131 |
| Core capital (leverage) ratio | 12.0393% | 1,751 |
| Tier 1 risk-based capital ratio | 19.4767% | 1,417 |
| Total risk-based capital ratio | 20.4170% | 1,451 |
| Memoranda: | ||
| Average total assets | $103,210,200 | 3,949 |
| Average earning assets | $98,276,800 | 3,904 |
| Average equity | $11,757,400 | 4,027 |
| Average total loans | $37,326,000 | 4,468 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9610% | 4,436 |
| Cost of funding earning assets | 0.3250% | 4,734 |
| Net interest margin | 3.6360% | 3,150 |
| Noninterest income to average assets | 0.4857% | 2,823 |
| Noninterest expense to average assets | 3.0712% | 1,776 |
| Loan and lease loss provision to assets | 0.0925% | 2,058 |
| Net operating income to assets | 0.6816% | 4,069 |
| Return on assets (ROA) | 0.6849% | 4,121 |
| Pretax return on assets | 0.7903% | 4,142 |
| Return on Equity (ROE) | 6.0925% | 4,009 |
| Retained earnings to average equity (ytd only) | 3.5778% | 3,614 |
| Net charge-offs to loans | 0.1130% | 1,348 |
| Credit loss provision to net charge-offs | 232.2581% | 1,160 |
| Earnings coverage of net charge-offs (x) | 22.0658% | 1,882 |
| Efficiency ratio | 77.7489% | 1,127 |
| Assets per employee ($millions) | 5.2526% | 2,286 |
| Cash dividends to net income (ytd only)* | 41.2763% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 1,417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 39.6373% | 4,824 |
| Net loans and leases to deposits | 45.1973% | 4,888 |
| Net loans and leases to core deposits | 45.8346% | 4,924 |
| Total domestic deposits to total assets | 87.6984% | 1,165 |
| Equity capital to assets | 12.1242% | 2,165 |
| Core capital (leverage) ratio | 11.7753% | 2,022 |
| Tier 1 risk-based capital ratio | 19.3237% | 1,503 |
| Total risk-based capital ratio | 20.2659% | 1,538 |
| Memoranda: | ||
| Average total assets | $103,757,500 | 3,985 |
| Average earning assets | $98,861,750 | 3,929 |
| Average equity | $11,664,250 | 4,079 |
| Average total loans | $36,578,250 | 4,545 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 4,552 |
| Cost of funding earning assets | 0.3404% | 4,714 |
| Net interest margin | 3.5612% | 3,395 |
| Noninterest income to average assets | 0.5044% | 2,652 |
| Noninterest expense to average assets | 3.0739% | 1,806 |
| Loan and lease loss provision to assets | 0.0914% | 2,026 |
| Net operating income to assets | 0.6857% | 4,046 |
| Return on assets (ROA) | 0.6909% | 4,092 |
| Pretax return on assets | 0.7499% | 4,218 |
| Return on Equity (ROE) | 6.3026% | 3,945 |
| Retained earnings to average equity (ytd only) | 3.6114% | 3,442 |
| Net charge-offs to loans | 0.0678% | 1,687 |
| Credit loss provision to net charge-offs | 400.0000% | 710 |
| Earnings coverage of net charge-offs (x) | 36.5833% | 1,301 |
| Efficiency ratio | 78.6271% | 1,082 |
| Assets per employee ($millions) | 4.7744% | 2,777 |
| Cash dividends to net income (ytd only)* | 42.6997% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 1,061 |
| Loan loss allowance to noncurrent loans | 3,021.0526% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 4,573 |
| Noncurrent loans to loans | 0.0524% | 4,448 |
| Net loans and leases to total assets | 35.5734% | 4,988 |
| Net loans and leases to deposits | 40.4608% | 5,039 |
| Net loans and leases to core deposits | 41.0527% | 5,060 |
| Total domestic deposits to total assets | 87.9208% | 1,139 |
| Equity capital to assets | 11.8827% | 2,276 |
| Core capital (leverage) ratio | 11.5217% | 2,146 |
| Tier 1 risk-based capital ratio | 20.2439% | 1,300 |
| Total risk-based capital ratio | 21.2311% | 1,326 |
| Memoranda: | ||
| Average total assets | $105,076,670 | 3,978 |
| Average earning assets | $100,473,000 | 3,924 |
| Average equity | $11,519,000 | 4,108 |
| Average total loans | $35,392,000 | 4,612 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8265% | 4,666 |
| Cost of funding earning assets | 0.3341% | 4,728 |
| Net interest margin | 3.4924% | 3,611 |
| Noninterest income to average assets | 0.5173% | 2,452 |
| Noninterest expense to average assets | 2.9400% | 2,156 |
| Loan and lease loss provision to assets | 0.0893% | 1,925 |
| Net operating income to assets | 0.8634% | 3,384 |
| Return on assets (ROA) | 0.8634% | 3,434 |
| Pretax return on assets | 0.8336% | 3,964 |
| Return on Equity (ROE) | 8.1968% | 3,168 |
| Retained earnings to average equity (ytd only) | 5.0170% | 2,898 |
| Net charge-offs to loans | -0.0229% | 4,539 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1079% | 1,487 |
| Assets per employee ($millions) | 4.9873% | 2,538 |
| Cash dividends to net income (ytd only)* | 38.7931% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 1,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 4,769 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 32.8941% | 5,095 |
| Net loans and leases to deposits | 37.0421% | 5,131 |
| Net loans and leases to core deposits | 37.5553% | 5,153 |
| Total domestic deposits to total assets | 88.8020% | 958 |
| Equity capital to assets | 10.9927% | 2,857 |
| Core capital (leverage) ratio | 10.8835% | 2,677 |
| Tier 1 risk-based capital ratio | 20.1207% | 1,323 |
| Total risk-based capital ratio | 21.0904% | 1,342 |
| Memoranda: | ||
| Average total assets | $107,483,500 | 3,974 |
| Average earning assets | $102,967,000 | 3,924 |
| Average equity | $11,321,500 | 4,148 |
| Average total loans | $34,967,500 | 4,669 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4516% | 4,964 |
| Cost of funding earning assets | 0.2161% | 4,940 |
| Net interest margin | 3.2355% | 4,417 |
| Noninterest income to average assets | 0.4973% | 2,845 |
| Noninterest expense to average assets | 2.8060% | 2,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6833% | 4,190 |
| Return on assets (ROA) | 0.6734% | 4,230 |
| Pretax return on assets | 0.7195% | 4,364 |
| Return on Equity (ROE) | 6.5134% | 4,002 |
| Retained earnings to average equity (ytd only) | 5.9924% | 2,198 |
| Net charge-offs to loans | 0.0494% | 2,450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 50.6000% | 1,129 |
| Efficiency ratio | 79.3526% | 1,012 |
| Assets per employee ($millions) | 5.2492% | 2,203 |
| Cash dividends to net income (ytd only)* | 8.0000% | 3,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 1,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 4,531 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 31.1900% | 5,184 |
| Net loans and leases to deposits | 34.7634% | 5,216 |
| Net loans and leases to core deposits | 35.2159% | 5,229 |
| Total domestic deposits to total assets | 89.7210% | 566 |
| Equity capital to assets | 10.0967% | 3,578 |
| Core capital (leverage) ratio | 11.2789% | 2,279 |
| Tier 1 risk-based capital ratio | 19.8571% | 1,332 |
| Total risk-based capital ratio | 20.7811% | 1,367 |
| Memoranda: | ||
| Average total assets | $103,957,200 | 4,038 |
| Average earning assets | $97,635,600 | 4,013 |
| Average equity | $10,747,000 | 4,198 |
| Average total loans | $30,391,600 | 4,811 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3441% | 5,092 |
| Cost of funding earning assets | 0.1842% | 5,079 |
| Net interest margin | 3.1598% | 4,596 |
| Noninterest income to average assets | 0.5118% | 2,792 |
| Noninterest expense to average assets | 2.7646% | 2,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6728% | 4,313 |
| Return on assets (ROA) | 0.6589% | 4,358 |
| Pretax return on assets | 0.6811% | 4,573 |
| Return on Equity (ROE) | 6.3340% | 4,161 |
| Retained earnings to average equity (ytd only) | 5.6330% | 2,864 |
| Net charge-offs to loans | 0.0592% | 1,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 41.0837% | 1,332 |
| Efficiency ratio | 79.9021% | 951 |
| Assets per employee ($millions) | 4.7215% | 2,819 |
| Cash dividends to net income (ytd only)* | 11.0665% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6307% | 1,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 4,613 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 34.4958% | 5,188 |
| Net loans and leases to deposits | 39.0304% | 5,227 |
| Net loans and leases to core deposits | 39.6340% | 5,245 |
| Total domestic deposits to total assets | 88.3817% | 1,092 |
| Equity capital to assets | 11.4382% | 2,310 |
| Core capital (leverage) ratio | 11.6636% | 2,031 |
| Tier 1 risk-based capital ratio | 21.9748% | 1,056 |
| Total risk-based capital ratio | 23.0186% | 1,061 |
| Memoranda: | ||
| Average total assets | $102,388,000 | 4,103 |
| Average earning assets | $95,530,500 | 4,085 |
| Average equity | $10,651,250 | 4,248 |
| Average total loans | $29,259,500 | 4,892 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1766% | 5,246 |
| Cost of funding earning assets | 0.1673% | 5,169 |
| Net interest margin | 3.0093% | 4,865 |
| Noninterest income to average assets | 0.4589% | 3,100 |
| Noninterest expense to average assets | 2.6637% | 3,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5207% | 4,700 |
| Return on assets (ROA) | 0.5027% | 4,747 |
| Pretax return on assets | 0.5826% | 4,761 |
| Return on Equity (ROE) | 4.9805% | 4,551 |
| Retained earnings to average equity (ytd only) | 3.9240% | 3,645 |
| Net charge-offs to loans | 0.1215% | 1,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 18.6471% | 1,892 |
| Efficiency ratio | 81.5268% | 870 |
| Assets per employee ($millions) | 5.1333% | 2,255 |
| Cash dividends to net income (ytd only)* | 21.2121% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7777% | 785 |
| Loan loss allowance to noncurrent loans | 53,600.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 4,060 |
| Noncurrent loans to loans | 0.0033% | 4,958 |
| Net loans and leases to total assets | 30.3644% | 5,315 |
| Net loans and leases to deposits | 34.1557% | 5,347 |
| Net loans and leases to core deposits | 34.7647% | 5,358 |
| Total domestic deposits to total assets | 88.9001% | 973 |
| Equity capital to assets | 10.8682% | 2,767 |
| Core capital (leverage) ratio | 11.1412% | 2,399 |
| Tier 1 risk-based capital ratio | 20.7319% | 1,217 |
| Total risk-based capital ratio | 21.7307% | 1,225 |
| Memoranda: | ||
| Average total assets | $105,041,000 | 4,091 |
| Average earning assets | $98,028,000 | 4,079 |
| Average equity | $10,601,330 | 4,290 |
| Average total loans | $27,974,670 | 4,971 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0512% | 5,342 |
| Cost of funding earning assets | 0.1614% | 5,217 |
| Net interest margin | 2.8898% | 5,046 |
| Noninterest income to average assets | 0.4412% | 3,175 |
| Noninterest expense to average assets | 2.4119% | 3,912 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6149% | 4,377 |
| Return on assets (ROA) | 0.5809% | 4,490 |
| Pretax return on assets | 0.6875% | 4,476 |
| Return on Equity (ROE) | 5.9611% | 4,170 |
| Retained earnings to average equity (ytd only) | 3.8483% | 3,655 |
| Net charge-offs to loans | 0.0298% | 1,904 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 617 |
| Efficiency ratio | 76.8150% | 1,482 |
| Assets per employee ($millions) | 5.3704% | 2,072 |
| Cash dividends to net income (ytd only)* | 35.4430% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9801% | 565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 4,077 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 26.7315% | 5,431 |
| Net loans and leases to deposits | 29.8869% | 5,451 |
| Net loans and leases to core deposits | 30.3928% | 5,457 |
| Total domestic deposits to total assets | 89.4421% | 913 |
| Equity capital to assets | 10.3198% | 3,253 |
| Core capital (leverage) ratio | 9.9871% | 3,554 |
| Tier 1 risk-based capital ratio | 20.1238% | 1,321 |
| Total risk-based capital ratio | 21.1301% | 1,335 |
| Memoranda: | ||
| Average total assets | $108,795,500 | 4,086 |
| Average earning assets | $101,598,000 | 4,073 |
| Average equity | $10,602,000 | 4,338 |
| Average total loans | $26,886,500 | 5,047 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7833% | 5,465 |
| Cost of funding earning assets | 0.1484% | 5,268 |
| Net interest margin | 2.6349% | 5,330 |
| Noninterest income to average assets | 0.2114% | 4,884 |
| Noninterest expense to average assets | 2.3882% | 4,111 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1999% | 5,110 |
| Return on assets (ROA) | 0.1992% | 5,129 |
| Pretax return on assets | 0.2636% | 5,251 |
| Return on Equity (ROE) | 2.1321% | 5,031 |
| Retained earnings to average equity (ytd only) | 0.2979% | 4,909 |
| Net charge-offs to loans | 0.0155% | 3,572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 801 |
| Efficiency ratio | 90.0295% | 430 |
| Assets per employee ($millions) | 6.7945% | 1,058 |
| Cash dividends to net income (ytd only)* | 86.0262% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1313% | 423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 4,240 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 21.9841% | 5,557 |
| Net loans and leases to deposits | 24.2547% | 5,570 |
| Net loans and leases to core deposits | 24.9134% | 5,570 |
| Total domestic deposits to total assets | 90.6386% | 355 |
| Equity capital to assets | 9.1995% | 4,528 |
| Core capital (leverage) ratio | 9.7322% | 3,768 |
| Tier 1 risk-based capital ratio | 20.5064% | 1,223 |
| Total risk-based capital ratio | 21.5452% | 1,232 |
| Memoranda: | ||
| Average total assets | $114,941,000 | 3,979 |
| Average earning assets | $106,492,200 | 3,974 |
| Average equity | $10,740,800 | 4,343 |
| Average total loans | $25,737,400 | 5,136 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7480% | 5,540 |
| Cost of funding earning assets | 0.1405% | 5,370 |
| Net interest margin | 2.6075% | 5,400 |
| Noninterest income to average assets | 0.1196% | 5,401 |
| Noninterest expense to average assets | 2.2717% | 4,373 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2380% | 5,314 |
| Return on assets (ROA) | 0.2369% | 5,332 |
| Pretax return on assets | 0.2602% | 5,332 |
| Return on Equity (ROE) | 2.5256% | 5,218 |
| Retained earnings to average equity (ytd only) | 0.2971% | 5,150 |
| Net charge-offs to loans | 0.0208% | 3,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 56.2833% | 1,035 |
| Efficiency ratio | 89.6836% | 421 |
| Assets per employee ($millions) | 5.9322% | 1,549 |
| Cash dividends to net income (ytd only)* | 88.2349% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0067% | 564 |
| Loan loss allowance to noncurrent loans | 13,825.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 4,318 |
| Noncurrent loans to loans | 0.0145% | 5,080 |
| Net loans and leases to total assets | 25.2906% | 5,584 |
| Net loans and leases to deposits | 28.2066% | 5,611 |
| Net loans and leases to core deposits | 29.0464% | 5,614 |
| Total domestic deposits to total assets | 89.6618% | 597 |
| Equity capital to assets | 10.1246% | 3,770 |
| Core capital (leverage) ratio | 9.9074% | 3,685 |
| Tier 1 risk-based capital ratio | 21.7875% | 1,069 |
| Total risk-based capital ratio | 22.8920% | 1,077 |
| Memoranda: | ||
| Average total assets | $114,799,750 | 4,019 |
| Average earning assets | $106,256,750 | 4,020 |
| Average equity | $10,769,500 | 4,383 |
| Average total loans | $25,685,250 | 5,186 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6032% | 5,632 |
| Cost of funding earning assets | 0.1326% | 5,435 |
| Net interest margin | 2.4707% | 5,524 |
| Noninterest income to average assets | 0.4035% | 3,670 |
| Noninterest expense to average assets | 2.1928% | 4,572 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4083% | 4,963 |
| Return on assets (ROA) | 0.4069% | 4,992 |
| Pretax return on assets | 0.4937% | 5,015 |
| Return on Equity (ROE) | 4.4442% | 4,681 |
| Retained earnings to average equity (ytd only) | 2.2128% | 4,352 |
| Net charge-offs to loans | 0.0160% | 2,928 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 145.5000% | 514 |
| Efficiency ratio | 81.5706% | 1,043 |
| Assets per employee ($millions) | 6.2058% | 1,318 |
| Cash dividends to net income (ytd only)* | 50.2092% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0264% | 574 |
| Loan loss allowance to noncurrent loans | 814.7059% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.6875% | 2,495 |
| Noncurrent loans to loans | 0.2487% | 4,144 |
| Net loans and leases to total assets | 23.9783% | 5,648 |
| Net loans and leases to deposits | 26.6038% | 5,670 |
| Net loans and leases to core deposits | 27.0791% | 5,675 |
| Total domestic deposits to total assets | 90.1311% | 495 |
| Equity capital to assets | 9.7757% | 4,146 |
| Core capital (leverage) ratio | 9.2666% | 4,405 |
| Tier 1 risk-based capital ratio | 21.0237% | 1,176 |
| Total risk-based capital ratio | 22.0954% | 1,187 |
| Memoranda: | ||
| Average total assets | $117,473,330 | 3,998 |
| Average earning assets | $108,633,670 | 4,003 |
| Average equity | $10,755,670 | 4,399 |
| Average total loans | $25,061,000 | 5,246 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3464% | 5,757 |
| Cost of funding earning assets | 0.1292% | 5,495 |
| Net interest margin | 2.2172% | 5,693 |
| Noninterest income to average assets | 0.4620% | 3,237 |
| Noninterest expense to average assets | 2.0904% | 4,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3265% | 5,134 |
| Return on assets (ROA) | 0.3290% | 5,154 |
| Pretax return on assets | 0.4287% | 5,104 |
| Return on Equity (ROE) | 3.7101% | 4,881 |
| Retained earnings to average equity (ytd only) | 1.4616% | 4,519 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0911% | 1,054 |
| Assets per employee ($millions) | 6.4372% | 1,219 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5572% | 295 |
| Loan loss allowance to noncurrent loans | 9,283.3333% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 2,703 |
| Noncurrent loans to loans | 0.0275% | 5,109 |
| Net loans and leases to total assets | 18.3179% | 5,758 |
| Net loans and leases to deposits | 20.2341% | 5,767 |
| Net loans and leases to core deposits | 20.3347% | 5,769 |
| Total domestic deposits to total assets | 90.5299% | 463 |
| Equity capital to assets | 9.2707% | 4,541 |
| Core capital (leverage) ratio | 9.1250% | 4,576 |
| Tier 1 risk-based capital ratio | 22.5541% | 1,030 |
| Total risk-based capital ratio | 23.7040% | 1,020 |
| Memoranda: | ||
| Average total assets | $120,357,500 | 3,990 |
| Average earning assets | $111,491,500 | 3,986 |
| Average equity | $10,673,500 | 4,438 |
| Average total loans | $23,922,000 | 5,337 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5834% | 5,731 |
| Cost of funding earning assets | 0.1514% | 5,415 |
| Net interest margin | 2.4319% | 5,621 |
| Noninterest income to average assets | 0.4456% | 3,574 |
| Noninterest expense to average assets | 2.2415% | 4,674 |
| Loan and lease loss provision to assets | 0.0343% | 3,678 |
| Net operating income to assets | 0.3354% | 5,126 |
| Return on assets (ROA) | 0.3367% | 5,195 |
| Pretax return on assets | 0.4421% | 5,138 |
| Return on Equity (ROE) | 3.6078% | 4,977 |
| Retained earnings to average equity (ytd only) | 0.3029% | 5,196 |
| Net charge-offs to loans | -0.0138% | 5,027 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5237% | 1,140 |
| Assets per employee ($millions) | 7.3438% | 781 |
| Cash dividends to net income (ytd only)* | 91.6031% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1372% | 513 |
| Loan loss allowance to noncurrent loans | 27,850.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 2,945 |
| Noncurrent loans to loans | 0.0077% | 5,272 |
| Net loans and leases to total assets | 20.4293% | 5,795 |
| Net loans and leases to deposits | 22.3716% | 5,816 |
| Net loans and leases to core deposits | 22.5236% | 5,816 |
| Total domestic deposits to total assets | 91.3180% | 204 |
| Equity capital to assets | 8.4945% | 5,275 |
| Core capital (leverage) ratio | 9.5706% | 4,006 |
| Tier 1 risk-based capital ratio | 21.1684% | 1,177 |
| Total risk-based capital ratio | 22.2516% | 1,186 |
| Memoranda: | ||
| Average total assets | $116,709,600 | 4,048 |
| Average earning assets | $108,967,000 | 4,022 |
| Average equity | $10,893,000 | 4,440 |
| Average total loans | $28,899,200 | 5,230 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6762% | 5,769 |
| Cost of funding earning assets | 0.1563% | 5,441 |
| Net interest margin | 2.5198% | 5,644 |
| Noninterest income to average assets | 0.4558% | 3,520 |
| Noninterest expense to average assets | 2.2393% | 4,673 |
| Loan and lease loss provision to assets | 0.0465% | 3,315 |
| Net operating income to assets | 0.4098% | 4,984 |
| Return on assets (ROA) | 0.4116% | 5,074 |
| Pretax return on assets | 0.5337% | 5,054 |
| Return on Equity (ROE) | 4.3045% | 4,790 |
| Retained earnings to average equity (ytd only) | 2.1157% | 4,634 |
| Net charge-offs to loans | 0.0450% | 2,745 |
| Credit loss provision to net charge-offs | 400.0000% | 840 |
| Earnings coverage of net charge-offs (x) | 49.7112% | 1,077 |
| Efficiency ratio | 79.4882% | 1,495 |
| Assets per employee ($millions) | 6.4159% | 1,161 |
| Cash dividends to net income (ytd only)* | 50.8464% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8644% | 905 |
| Loan loss allowance to noncurrent loans | 647.6190% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.7921% | 2,566 |
| Noncurrent loans to loans | 0.2879% | 4,234 |
| Net loans and leases to total assets | 26.2526% | 5,791 |
| Net loans and leases to deposits | 29.2865% | 5,821 |
| Net loans and leases to core deposits | 29.4404% | 5,831 |
| Total domestic deposits to total assets | 89.6407% | 607 |
| Equity capital to assets | 10.1796% | 3,944 |
| Core capital (leverage) ratio | 9.6658% | 3,978 |
| Tier 1 risk-based capital ratio | 22.6619% | 1,048 |
| Total risk-based capital ratio | 23.7843% | 1,043 |
| Memoranda: | ||
| Average total assets | $114,675,750 | 4,116 |
| Average earning assets | $107,465,000 | 4,077 |
| Average equity | $10,965,000 | 4,473 |
| Average total loans | $29,608,500 | 5,252 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6074% | 5,874 |
| Cost of funding earning assets | 0.1566% | 5,503 |
| Net interest margin | 2.4508% | 5,771 |
| Noninterest income to average assets | 0.4736% | 3,379 |
| Noninterest expense to average assets | 2.2446% | 4,742 |
| Loan and lease loss provision to assets | 0.0686% | 2,766 |
| Net operating income to assets | 0.3676% | 5,130 |
| Return on assets (ROA) | 0.3690% | 5,215 |
| Pretax return on assets | 0.4719% | 5,198 |
| Return on Equity (ROE) | 3.9381% | 4,932 |
| Retained earnings to average equity (ytd only) | 1.7401% | 4,691 |
| Net charge-offs to loans | 0.0471% | 2,541 |
| Credit loss provision to net charge-offs | 571.4286% | 592 |
| Earnings coverage of net charge-offs (x) | 44.8571% | 1,074 |
| Efficiency ratio | 80.6412% | 1,420 |
| Assets per employee ($millions) | 6.7175% | 992 |
| Cash dividends to net income (ytd only)* | 55.8140% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6838% | 1,306 |
| Loan loss allowance to noncurrent loans | 27,350.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 2,873 |
| Noncurrent loans to loans | 0.0062% | 5,491 |
| Net loans and leases to total assets | 27.9692% | 5,822 |
| Net loans and leases to deposits | 31.0401% | 5,871 |
| Net loans and leases to core deposits | 31.1179% | 5,881 |
| Total domestic deposits to total assets | 90.1066% | 448 |
| Equity capital to assets | 9.6710% | 4,589 |
| Core capital (leverage) ratio | 9.2749% | 4,492 |
| Tier 1 risk-based capital ratio | 20.7726% | 1,298 |
| Total risk-based capital ratio | 21.8105% | 1,315 |
| Memoranda: | ||
| Average total assets | $116,544,000 | 4,116 |
| Average earning assets | $109,840,000 | 4,059 |
| Average equity | $10,919,000 | 4,506 |
| Average total loans | $29,752,000 | 5,302 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4134% | 5,993 |
| Cost of funding earning assets | 0.1578% | 5,552 |
| Net interest margin | 2.2556% | 5,942 |
| Noninterest income to average assets | 0.4893% | 3,199 |
| Noninterest expense to average assets | 2.1441% | 5,025 |
| Loan and lease loss provision to assets | 0.0680% | 2,597 |
| Net operating income to assets | 0.3330% | 5,201 |
| Return on assets (ROA) | 0.3330% | 5,286 |
| Pretax return on assets | 0.4146% | 5,277 |
| Return on Equity (ROE) | 3.6107% | 5,028 |
| Retained earnings to average equity (ytd only) | 1.4001% | 4,702 |
| Net charge-offs to loans | -0.0141% | 4,685 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6300% | 1,407 |
| Assets per employee ($millions) | 7.0448% | 877 |
| Cash dividends to net income (ytd only)* | 61.2245% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 1,031 |
| Loan loss allowance to noncurrent loans | 192.4460% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.8951% | 2,447 |
| Noncurrent loans to loans | 0.9665% | 2,446 |
| Net loans and leases to total assets | 23.5718% | 5,950 |
| Net loans and leases to deposits | 25.9820% | 5,973 |
| Net loans and leases to core deposits | 26.2380% | 5,984 |
| Total domestic deposits to total assets | 90.7233% | 354 |
| Equity capital to assets | 9.0897% | 5,090 |
| Core capital (leverage) ratio | 8.9969% | 4,859 |
| Tier 1 risk-based capital ratio | 22.8756% | 1,026 |
| Total risk-based capital ratio | 23.9995% | 1,019 |
| Memoranda: | ||
| Average total assets | $117,717,500 | 4,125 |
| Average earning assets | $111,545,500 | 4,060 |
| Average equity | $10,856,500 | 4,535 |
| Average total loans | $28,384,500 | 5,404 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6292% | 5,953 |
| Cost of funding earning assets | 0.1742% | 5,507 |
| Net interest margin | 2.4550% | 5,856 |
| Noninterest income to average assets | 1.4333% | 592 |
| Noninterest expense to average assets | 2.3704% | 4,587 |
| Loan and lease loss provision to assets | 0.1067% | 2,207 |
| Net operating income to assets | 0.8521% | 3,103 |
| Return on assets (ROA) | 0.8633% | 3,126 |
| Pretax return on assets | 1.1647% | 2,794 |
| Return on Equity (ROE) | 8.9814% | 2,464 |
| Retained earnings to average equity (ytd only) | 6.6690% | 1,457 |
| Net charge-offs to loans | 0.1751% | 1,637 |
| Credit loss provision to net charge-offs | 235.2941% | 1,215 |
| Earnings coverage of net charge-offs (x) | 27.7059% | 1,539 |
| Efficiency ratio | 65.3592% | 4,015 |
| Assets per employee ($millions) | 6.8043% | 960 |
| Cash dividends to net income (ytd only)* | 25.7467% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 1,071 |
| Loan loss allowance to noncurrent loans | 189.6679% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 1.0305% | 2,131 |
| Noncurrent loans to loans | 0.9677% | 2,396 |
| Net loans and leases to total assets | 23.7653% | 6,005 |
| Net loans and leases to deposits | 26.2610% | 6,035 |
| Net loans and leases to core deposits | 26.5289% | 6,038 |
| Total domestic deposits to total assets | 90.4965% | 439 |
| Equity capital to assets | 9.3730% | 4,705 |
| Core capital (leverage) ratio | 9.0029% | 4,879 |
| Tier 1 risk-based capital ratio | 25.3486% | 787 |
| Total risk-based capital ratio | 26.5531% | 779 |
| Memoranda: | ||
| Average total assets | $112,471,000 | 4,210 |
| Average earning assets | $100,487,600 | 4,274 |
| Average equity | $10,811,200 | 4,521 |
| Average total loans | $29,121,400 | 5,398 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7160% | 6,011 |
| Cost of funding earning assets | 0.1784% | 5,568 |
| Net interest margin | 2.5375% | 5,889 |
| Noninterest income to average assets | 1.7396% | 434 |
| Noninterest expense to average assets | 2.3473% | 4,659 |
| Loan and lease loss provision to assets | 0.1075% | 2,084 |
| Net operating income to assets | 1.1692% | 1,757 |
| Return on assets (ROA) | 1.1701% | 1,824 |
| Pretax return on assets | 1.5104% | 1,653 |
| Return on Equity (ROE) | 12.0945% | 1,349 |
| Retained earnings to average equity (ytd only) | 10.2433% | 594 |
| Net charge-offs to loans | 0.1497% | 1,641 |
| Credit loss provision to net charge-offs | 272.7273% | 1,060 |
| Earnings coverage of net charge-offs (x) | 41.0293% | 1,220 |
| Efficiency ratio | 59.2169% | 4,978 |
| Assets per employee ($millions) | 6.6785% | 986 |
| Cash dividends to net income (ytd only)* | 15.3066% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 1,912 |
| Loan loss allowance to noncurrent loans | 880.7018% | 648 |
| Noncurrent assets plus other real estate owned to assets | 1.2164% | 1,941 |
| Noncurrent loans to loans | 0.1777% | 4,944 |
| Net loans and leases to total assets | 27.8143% | 6,033 |
| Net loans and leases to deposits | 30.9313% | 6,065 |
| Net loans and leases to core deposits | 31.0857% | 6,081 |
| Total domestic deposits to total assets | 89.9229% | 603 |
| Equity capital to assets | 9.7054% | 4,511 |
| Core capital (leverage) ratio | 9.3926% | 4,448 |
| Tier 1 risk-based capital ratio | 42.1584% | 224 |
| Total risk-based capital ratio | 43.4256% | 220 |
| Memoranda: | ||
| Average total assets | $111,670,500 | 4,272 |
| Average earning assets | $97,888,250 | 4,387 |
| Average equity | $10,803,500 | 4,572 |
| Average total loans | $29,400,750 | 5,445 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6783% | 6,086 |
| Cost of funding earning assets | 0.1812% | 5,602 |
| Net interest margin | 2.4971% | 5,963 |
| Noninterest income to average assets | 2.3485% | 293 |
| Noninterest expense to average assets | 2.2873% | 4,876 |
| Loan and lease loss provision to assets | 0.1081% | 2,026 |
| Net operating income to assets | 1.5993% | 743 |
| Return on assets (ROA) | 1.5993% | 769 |
| Pretax return on assets | 2.1126% | 488 |
| Return on Equity (ROE) | 16.5491% | 544 |
| Retained earnings to average equity (ytd only) | 14.3128% | 223 |
| Net charge-offs to loans | 0.2175% | 1,172 |
| Credit loss provision to net charge-offs | 193.5484% | 1,270 |
| Earnings coverage of net charge-offs (x) | 39.7742% | 1,137 |
| Efficiency ratio | 50.7391% | 5,812 |
| Assets per employee ($millions) | 6.1901% | 1,220 |
| Cash dividends to net income (ytd only)* | 13.5135% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5984% | 1,917 |
| Loan loss allowance to noncurrent loans | 1,631.0345% | 353 |
| Noncurrent assets plus other real estate owned to assets | 1.2848% | 1,961 |
| Noncurrent loans to loans | 0.0980% | 5,348 |
| Net loans and leases to total assets | 27.6722% | 6,101 |
| Net loans and leases to deposits | 30.9856% | 6,133 |
| Net loans and leases to core deposits | 31.1537% | 6,147 |
| Total domestic deposits to total assets | 89.3065% | 1,001 |
| Equity capital to assets | 10.4141% | 3,543 |
| Core capital (leverage) ratio | 9.7549% | 3,935 |
| Tier 1 risk-based capital ratio | 40.9463% | 243 |
| Total risk-based capital ratio | 42.2032% | 242 |
| Memoranda: | ||
| Average total assets | $111,049,000 | 4,319 |
| Average earning assets | $96,029,670 | 4,466 |
| Average equity | $10,731,670 | 4,615 |
| Average total loans | $28,507,330 | 5,534 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5437% | 6,206 |
| Cost of funding earning assets | 0.1870% | 5,628 |
| Net interest margin | 2.3567% | 6,119 |
| Noninterest income to average assets | 3.8435% | 167 |
| Noninterest expense to average assets | 2.0358% | 5,511 |
| Loan and lease loss provision to assets | 0.1053% | 1,949 |
| Net operating income to assets | 2.7800% | 99 |
| Return on assets (ROA) | 2.7800% | 108 |
| Pretax return on assets | 3.6926% | 97 |
| Return on Equity (ROE) | 29.8361% | 57 |
| Retained earnings to average equity (ytd only) | 27.5758% | 34 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.8977% | 6,335 |
| Assets per employee ($millions) | 7.1024% | 822 |
| Cash dividends to net income (ytd only)* | 7.5758% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6601% | 1,852 |
| Loan loss allowance to noncurrent loans | 58.5697% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.1968% | 2,243 |
| Noncurrent loans to loans | 2.8345% | 803 |
| Net loans and leases to total assets | 23.3038% | 6,227 |
| Net loans and leases to deposits | 25.7724% | 6,254 |
| Net loans and leases to core deposits | 25.8926% | 6,261 |
| Total domestic deposits to total assets | 90.4216% | 557 |
| Equity capital to assets | 9.1022% | 5,192 |
| Core capital (leverage) ratio | 9.3715% | 4,472 |
| Tier 1 risk-based capital ratio | 37.8760% | 289 |
| Total risk-based capital ratio | 39.5299% | 280 |
| Memoranda: | ||
| Average total assets | $113,957,500 | 4,286 |
| Average earning assets | $96,238,000 | 4,498 |
| Average equity | $10,618,000 | 4,675 |
| Average total loans | $27,964,500 | 5,597 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9557% | 6,093 |
| Cost of funding earning assets | 0.2305% | 5,517 |
| Net interest margin | 2.7252% | 5,907 |
| Noninterest income to average assets | 0.6145% | 2,775 |
| Noninterest expense to average assets | 2.4351% | 4,744 |
| Loan and lease loss provision to assets | 0.1147% | 2,255 |
| Net operating income to assets | 0.2810% | 5,566 |
| Return on assets (ROA) | 0.2838% | 5,629 |
| Pretax return on assets | 0.2599% | 5,774 |
| Return on Equity (ROE) | 2.9333% | 5,503 |
| Retained earnings to average equity (ytd only) | 1.5802% | 5,039 |
| Net charge-offs to loans | 0.2187% | 1,921 |
| Credit loss provision to net charge-offs | 203.3898% | 1,212 |
| Earnings coverage of net charge-offs (x) | 6.5932% | 3,171 |
| Efficiency ratio | 86.7552% | 1,101 |
| Assets per employee ($millions) | 6.3044% | 1,181 |
| Cash dividends to net income (ytd only)* | 46.1279% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6290% | 1,996 |
| Loan loss allowance to noncurrent loans | 58.0940% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 1.3669% | 2,042 |
| Noncurrent loans to loans | 2.8041% | 840 |
| Net loans and leases to total assets | 25.0730% | 6,299 |
| Net loans and leases to deposits | 27.8319% | 6,324 |
| Net loans and leases to core deposits | 27.9786% | 6,333 |
| Total domestic deposits to total assets | 90.0872% | 698 |
| Equity capital to assets | 9.5601% | 4,640 |
| Core capital (leverage) ratio | 9.2339% | 4,628 |
| Tier 1 risk-based capital ratio | 22.0998% | 1,208 |
| Total risk-based capital ratio | 23.0690% | 1,226 |
| Memoranda: | ||
| Average total assets | $104,636,800 | 4,490 |
| Average earning assets | $84,175,800 | 4,783 |
| Average equity | $10,125,200 | 4,729 |
| Average total loans | $26,982,400 | 5,697 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9162% | 6,192 |
| Cost of funding earning assets | 0.2298% | 5,591 |
| Net interest margin | 2.6864% | 6,020 |
| Noninterest income to average assets | 0.6089% | 2,810 |
| Noninterest expense to average assets | 2.4948% | 4,547 |
| Loan and lease loss provision to assets | 0.1154% | 2,129 |
| Net operating income to assets | 0.2333% | 5,768 |
| Return on assets (ROA) | 0.2346% | 5,827 |
| Pretax return on assets | 0.1884% | 5,966 |
| Return on Equity (ROE) | 2.4169% | 5,733 |
| Retained earnings to average equity (ytd only) | 1.6246% | 5,233 |
| Net charge-offs to loans | 0.3222% | 1,239 |
| Credit loss provision to net charge-offs | 138.4615% | 1,693 |
| Earnings coverage of net charge-offs (x) | 3.6310% | 3,623 |
| Efficiency ratio | 89.1842% | 909 |
| Assets per employee ($millions) | 5.4278% | 1,794 |
| Cash dividends to net income (ytd only)* | 32.7882% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 2,935 |
| Loan loss allowance to noncurrent loans | 56.5698% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 1.4555% | 2,121 |
| Noncurrent loans to loans | 2.5677% | 1,130 |
| Net loans and leases to total assets | 28.4012% | 6,313 |
| Net loans and leases to deposits | 31.8715% | 6,345 |
| Net loans and leases to core deposits | 31.9659% | 6,362 |
| Total domestic deposits to total assets | 89.1116% | 1,173 |
| Equity capital to assets | 10.4524% | 3,623 |
| Core capital (leverage) ratio | 9.9030% | 3,814 |
| Tier 1 risk-based capital ratio | 22.9084% | 1,126 |
| Total risk-based capital ratio | 23.8352% | 1,158 |
| Memoranda: | ||
| Average total assets | $104,002,250 | 4,549 |
| Average earning assets | $84,720,250 | 4,816 |
| Average equity | $10,095,000 | 4,766 |
| Average total loans | $26,898,750 | 5,758 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8273% | 6,323 |
| Cost of funding earning assets | 0.2262% | 5,694 |
| Net interest margin | 2.6011% | 6,169 |
| Noninterest income to average assets | 0.5806% | 2,927 |
| Noninterest expense to average assets | 2.4863% | 4,625 |
| Loan and lease loss provision to assets | 0.1131% | 2,139 |
| Net operating income to assets | 0.1734% | 5,904 |
| Return on assets (ROA) | 0.1772% | 5,946 |
| Pretax return on assets | 0.1093% | 6,081 |
| Return on Equity (ROE) | 1.8695% | 5,873 |
| Retained earnings to average equity (ytd only) | 1.8695% | 4,953 |
| Net charge-offs to loans | 0.4683% | 865 |
| Credit loss provision to net charge-offs | 96.7742% | 2,063 |
| Earnings coverage of net charge-offs (x) | 1.8710% | 3,695 |
| Efficiency ratio | 91.9164% | 769 |
| Assets per employee ($millions) | 5.4367% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 3,383 |
| Loan loss allowance to noncurrent loans | 1,157.5758% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.7425% | 3,739 |
| Noncurrent loans to loans | 0.1205% | 5,656 |
| Net loans and leases to total assets | 26.1515% | 6,413 |
| Net loans and leases to deposits | 29.1397% | 6,443 |
| Net loans and leases to core deposits | 29.2208% | 6,460 |
| Total domestic deposits to total assets | 89.7452% | 939 |
| Equity capital to assets | 9.8085% | 4,338 |
| Core capital (leverage) ratio | 9.4435% | 4,406 |
| Tier 1 risk-based capital ratio | 23.0838% | 1,099 |
| Total risk-based capital ratio | 23.9586% | 1,135 |
| Memoranda: | ||
| Average total assets | $106,103,000 | 4,531 |
| Average earning assets | $86,655,330 | 4,816 |
| Average equity | $10,056,000 | 4,792 |
| Average total loans | $26,479,330 | 5,822 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6960% | 6,468 |
| Cost of funding earning assets | 0.2315% | 5,739 |
| Net interest margin | 2.4645% | 6,358 |
| Noninterest income to average assets | 0.5618% | 2,971 |
| Noninterest expense to average assets | 2.4148% | 4,883 |
| Loan and lease loss provision to assets | 0.1116% | 2,082 |
| Net operating income to assets | 0.1377% | 5,953 |
| Return on assets (ROA) | 0.1377% | 5,988 |
| Pretax return on assets | 0.0558% | 6,147 |
| Return on Equity (ROE) | 1.4773% | 5,933 |
| Retained earnings to average equity (ytd only) | 1.4773% | 5,022 |
| Net charge-offs to loans | 0.2306% | 1,400 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,747 |
| Efficiency ratio | 93.5159% | 778 |
| Assets per employee ($millions) | 5.8693% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 3,028 |
| Loan loss allowance to noncurrent loans | 303.8168% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.8035% | 3,732 |
| Noncurrent loans to loans | 0.5027% | 4,659 |
| Net loans and leases to total assets | 23.0117% | 6,523 |
| Net loans and leases to deposits | 25.4104% | 6,555 |
| Net loans and leases to core deposits | 25.4753% | 6,560 |
| Total domestic deposits to total assets | 90.5602% | 765 |
| Equity capital to assets | 9.0228% | 5,096 |
| Core capital (leverage) ratio | 9.4756% | 4,321 |
| Tier 1 risk-based capital ratio | 23.4396% | 1,083 |
| Total risk-based capital ratio | 24.3703% | 1,114 |
| Memoranda: | ||
| Average total assets | $107,505,500 | 4,546 |
| Average earning assets | $88,130,000 | 4,817 |
| Average equity | $10,018,000 | 4,817 |
| Average total loans | $26,021,000 | 5,895 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9364% | 6,398 |
| Cost of funding earning assets | 0.3073% | 5,539 |
| Net interest margin | 2.6291% | 6,232 |
| Noninterest income to average assets | 0.6078% | 3,041 |
| Noninterest expense to average assets | 2.5114% | 4,730 |
| Loan and lease loss provision to assets | 0.0572% | 4,000 |
| Net operating income to assets | 0.2753% | 5,604 |
| Return on assets (ROA) | 0.2868% | 5,661 |
| Pretax return on assets | 0.2677% | 5,811 |
| Return on Equity (ROE) | 3.0249% | 5,498 |
| Retained earnings to average equity (ytd only) | 1.2160% | 5,282 |
| Net charge-offs to loans | 2.5547% | 112 |
| Credit loss provision to net charge-offs | 8.4866% | 4,600 |
| Earnings coverage of net charge-offs (x) | 0.4653% | 4,923 |
| Efficiency ratio | 88.9039% | 1,117 |
| Assets per employee ($millions) | 4.9283% | 2,273 |
| Cash dividends to net income (ytd only)* | 59.8007% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4779% | 3,295 |
| Loan loss allowance to noncurrent loans | 468.2927% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.8880% | 3,675 |
| Noncurrent loans to loans | 0.3156% | 5,242 |
| Net loans and leases to total assets | 24.7338% | 6,593 |
| Net loans and leases to deposits | 27.4972% | 6,618 |
| Net loans and leases to core deposits | 27.7657% | 6,629 |
| Total domestic deposits to total assets | 89.9501% | 1,100 |
| Equity capital to assets | 9.6373% | 4,235 |
| Core capital (leverage) ratio | 10.0949% | 3,440 |
| Tier 1 risk-based capital ratio | 23.2920% | 1,054 |
| Total risk-based capital ratio | 24.1877% | 1,082 |
| Memoranda: | ||
| Average total assets | $104,962,400 | 4,621 |
| Average earning assets | $88,509,200 | 4,817 |
| Average equity | $9,950,800 | 4,855 |
| Average total loans | $27,674,200 | 5,864 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9127% | 6,486 |
| Cost of funding earning assets | 0.3187% | 5,566 |
| Net interest margin | 2.5941% | 6,319 |
| Noninterest income to average assets | 0.5911% | 3,209 |
| Noninterest expense to average assets | 2.4570% | 4,855 |
| Loan and lease loss provision to assets | 0.1266% | 2,713 |
| Net operating income to assets | 0.2043% | 5,903 |
| Return on assets (ROA) | 0.2152% | 5,954 |
| Pretax return on assets | 0.2240% | 6,003 |
| Return on Equity (ROE) | 2.2791% | 5,857 |
| Retained earnings to average equity (ytd only) | -0.1340% | 5,963 |
| Net charge-offs to loans | 2.6479% | 109 |
| Credit loss provision to net charge-offs | 17.9211% | 4,102 |
| Earnings coverage of net charge-offs (x) | 0.4803% | 4,704 |
| Efficiency ratio | 87.8678% | 1,186 |
| Assets per employee ($millions) | 4.6143% | 2,696 |
| Cash dividends to net income (ytd only)* | 105.8811% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9136% | 1,963 |
| Loan loss allowance to noncurrent loans | 68.8702% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.2528% | 3,132 |
| Noncurrent loans to loans | 2.7786% | 1,507 |
| Net loans and leases to total assets | 30.3093% | 6,525 |
| Net loans and leases to deposits | 33.9142% | 6,573 |
| Net loans and leases to core deposits | 34.4714% | 6,599 |
| Total domestic deposits to total assets | 89.3706% | 1,372 |
| Equity capital to assets | 10.0752% | 3,801 |
| Core capital (leverage) ratio | 9.7625% | 4,013 |
| Tier 1 risk-based capital ratio | 21.7761% | 1,358 |
| Total risk-based capital ratio | 23.0268% | 1,334 |
| Memoranda: | ||
| Average total assets | $105,329,500 | 4,657 |
| Average earning assets | $89,535,000 | 4,826 |
| Average equity | $9,945,000 | 4,913 |
| Average total loans | $28,097,250 | 5,901 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8367% | 6,586 |
| Cost of funding earning assets | 0.3261% | 5,600 |
| Net interest margin | 2.5106% | 6,442 |
| Noninterest income to average assets | 0.5715% | 3,377 |
| Noninterest expense to average assets | 2.4136% | 5,014 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3052% | 5,589 |
| Return on assets (ROA) | 0.3200% | 5,679 |
| Pretax return on assets | 0.3089% | 5,856 |
| Return on Equity (ROE) | 3.4580% | 5,447 |
| Retained earnings to average equity (ytd only) | 1.0594% | 5,475 |
| Net charge-offs to loans | 0.7423% | 872 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.5588% | 4,011 |
| Efficiency ratio | 89.1393% | 1,120 |
| Assets per employee ($millions) | 4.6430% | 2,589 |
| Cash dividends to net income (ytd only)* | 69.3642% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1339% | 506 |
| Loan loss allowance to noncurrent loans | 7,138.4615% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 5,324 |
| Noncurrent loans to loans | 0.0439% | 6,262 |
| Net loans and leases to total assets | 28.0814% | 6,629 |
| Net loans and leases to deposits | 31.2826% | 6,672 |
| Net loans and leases to core deposits | 32.8031% | 6,666 |
| Total domestic deposits to total assets | 89.7666% | 1,165 |
| Equity capital to assets | 9.7478% | 4,243 |
| Core capital (leverage) ratio | 9.5370% | 4,188 |
| Tier 1 risk-based capital ratio | 22.3857% | 1,226 |
| Total risk-based capital ratio | 23.6452% | 1,204 |
| Memoranda: | ||
| Average total assets | $108,139,000 | 4,602 |
| Average earning assets | $92,009,670 | 4,793 |
| Average equity | $10,005,670 | 4,934 |
| Average total loans | $27,482,000 | 5,961 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7177% | 6,726 |
| Cost of funding earning assets | 0.3317% | 5,702 |
| Net interest margin | 2.3860% | 6,611 |
| Noninterest income to average assets | 0.5543% | 3,407 |
| Noninterest expense to average assets | 2.3575% | 5,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2663% | 5,678 |
| Return on assets (ROA) | 0.2987% | 5,696 |
| Pretax return on assets | 0.2483% | 5,962 |
| Return on Equity (ROE) | 3.3101% | 5,430 |
| Retained earnings to average equity (ytd only) | 0.9172% | 5,479 |
| Net charge-offs to loans | 1.5596% | 342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.5825% | 3,625 |
| Efficiency ratio | 91.6084% | 1,015 |
| Assets per employee ($millions) | 4.9144% | 2,325 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5036% | 414 |
| Loan loss allowance to noncurrent loans | 189.7751% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.8056% | 4,358 |
| Noncurrent loans to loans | 1.8462% | 2,807 |
| Net loans and leases to total assets | 23.6403% | 6,781 |
| Net loans and leases to deposits | 26.1974% | 6,817 |
| Net loans and leases to core deposits | 27.4668% | 6,813 |
| Total domestic deposits to total assets | 90.2392% | 915 |
| Equity capital to assets | 9.2872% | 5,149 |
| Core capital (leverage) ratio | 9.0636% | 4,782 |
| Tier 1 risk-based capital ratio | 24.6294% | 937 |
| Total risk-based capital ratio | 25.8924% | 924 |
| Memoranda: | ||
| Average total assets | $111,135,500 | 4,597 |
| Average earning assets | $94,050,500 | 4,800 |
| Average equity | $10,030,000 | 4,981 |
| Average total loans | $26,417,000 | 6,050 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4598% | 6,401 |
| Cost of funding earning assets | 0.5263% | 5,019 |
| Net interest margin | 2.9335% | 6,168 |
| Noninterest income to average assets | 0.7066% | 2,689 |
| Noninterest expense to average assets | 2.6167% | 4,684 |
| Loan and lease loss provision to assets | 0.0912% | 4,540 |
| Net operating income to assets | 0.4929% | 4,716 |
| Return on assets (ROA) | 0.4978% | 4,949 |
| Pretax return on assets | 0.5130% | 5,242 |
| Return on Equity (ROE) | 4.7616% | 4,809 |
| Retained earnings to average equity (ytd only) | -2.9966% | 6,264 |
| Net charge-offs to loans | 0.0833% | 4,846 |
| Credit loss provision to net charge-offs | 333.3333% | 728 |
| Earnings coverage of net charge-offs (x) | 21.8889% | 1,284 |
| Efficiency ratio | 81.3682% | 1,961 |
| Assets per employee ($millions) | 4.9633% | 2,280 |
| Cash dividends to net income (ytd only)* | 162.9328% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9132% | 304 |
| Loan loss allowance to noncurrent loans | 866.3866% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 5,392 |
| Noncurrent loans to loans | 0.4517% | 5,377 |
| Net loans and leases to total assets | 22.1769% | 6,894 |
| Net loans and leases to deposits | 24.4339% | 6,923 |
| Net loans and leases to core deposits | 25.5457% | 6,912 |
| Total domestic deposits to total assets | 90.7626% | 588 |
| Equity capital to assets | 8.7767% | 5,764 |
| Core capital (leverage) ratio | 9.5593% | 4,024 |
| Tier 1 risk-based capital ratio | 20.1310% | 1,640 |
| Total risk-based capital ratio | 20.8616% | 1,749 |
| Memoranda: | ||
| Average total assets | $98,635,800 | 4,869 |
| Average earning assets | $84,369,000 | 5,004 |
| Average equity | $10,311,600 | 4,915 |
| Average total loans | $32,432,400 | 5,830 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6082% | 6,384 |
| Cost of funding earning assets | 0.5708% | 4,904 |
| Net interest margin | 3.0374% | 6,089 |
| Noninterest income to average assets | 0.7204% | 2,620 |
| Noninterest expense to average assets | 2.7790% | 4,062 |
| Loan and lease loss provision to assets | 0.1266% | 3,964 |
| Net operating income to assets | 0.4461% | 5,052 |
| Return on assets (ROA) | 0.4517% | 5,275 |
| Pretax return on assets | 0.4334% | 5,639 |
| Return on Equity (ROE) | 4.1213% | 5,245 |
| Retained earnings to average equity (ytd only) | 1.2326% | 5,686 |
| Net charge-offs to loans | 0.1099% | 4,291 |
| Credit loss provision to net charge-offs | 321.4286% | 832 |
| Earnings coverage of net charge-offs (x) | 14.0723% | 1,863 |
| Efficiency ratio | 83.3685% | 1,661 |
| Assets per employee ($millions) | 4.1514% | 3,565 |
| Cash dividends to net income (ytd only)* | 70.0928% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8078% | 881 |
| Loan loss allowance to noncurrent loans | 201.1719% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.9363% | 4,412 |
| Noncurrent loans to loans | 1.3957% | 3,709 |
| Net loans and leases to total assets | 37.3400% | 6,460 |
| Net loans and leases to deposits | 42.1859% | 6,588 |
| Net loans and leases to core deposits | 44.5635% | 6,576 |
| Total domestic deposits to total assets | 88.5130% | 1,715 |
| Equity capital to assets | 10.9623% | 3,315 |
| Core capital (leverage) ratio | 10.6540% | 2,753 |
| Tier 1 risk-based capital ratio | 20.4086% | 1,653 |
| Total risk-based capital ratio | 21.6506% | 1,627 |
| Memoranda: | ||
| Average total assets | $94,756,000 | 5,020 |
| Average earning assets | $81,515,250 | 5,125 |
| Average equity | $10,384,750 | 4,943 |
| Average total loans | $33,953,750 | 5,834 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6147% | 6,466 |
| Cost of funding earning assets | 0.5992% | 4,911 |
| Net interest margin | 3.0155% | 6,211 |
| Noninterest income to average assets | 0.7237% | 2,539 |
| Noninterest expense to average assets | 2.7827% | 4,084 |
| Loan and lease loss provision to assets | 0.1270% | 3,933 |
| Net operating income to assets | 0.4444% | 5,058 |
| Return on assets (ROA) | 0.4528% | 5,265 |
| Pretax return on assets | 0.4105% | 5,687 |
| Return on Equity (ROE) | 4.1323% | 5,206 |
| Retained earnings to average equity (ytd only) | 1.2358% | 5,580 |
| Net charge-offs to loans | 0.1453% | 3,754 |
| Credit loss provision to net charge-offs | 250.0000% | 1,149 |
| Earnings coverage of net charge-offs (x) | 10.4167% | 2,048 |
| Efficiency ratio | 84.0256% | 1,629 |
| Assets per employee ($millions) | 4.0653% | 3,734 |
| Cash dividends to net income (ytd only)* | 70.0935% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8946% | 874 |
| Loan loss allowance to noncurrent loans | 191.9694% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.9679% | 4,439 |
| Noncurrent loans to loans | 1.5079% | 3,644 |
| Net loans and leases to total assets | 36.0217% | 6,609 |
| Net loans and leases to deposits | 40.7583% | 6,708 |
| Net loans and leases to core deposits | 42.7820% | 6,703 |
| Total domestic deposits to total assets | 88.3789% | 1,904 |
| Equity capital to assets | 11.1495% | 2,957 |
| Core capital (leverage) ratio | 10.9462% | 2,354 |
| Tier 1 risk-based capital ratio | 21.3822% | 1,411 |
| Total risk-based capital ratio | 22.6290% | 1,388 |
| Memoranda: | ||
| Average total assets | $94,514,000 | 5,054 |
| Average earning assets | $81,113,330 | 5,175 |
| Average equity | $10,357,330 | 4,950 |
| Average total loans | $33,044,000 | 5,909 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5893% | 6,588 |
| Cost of funding earning assets | 0.6490% | 4,744 |
| Net interest margin | 2.9403% | 6,408 |
| Noninterest income to average assets | 0.7325% | 2,486 |
| Noninterest expense to average assets | 2.9257% | 3,519 |
| Loan and lease loss provision to assets | 0.1263% | 3,767 |
| Net operating income to assets | 0.2820% | 5,716 |
| Return on assets (ROA) | 0.2989% | 5,828 |
| Pretax return on assets | 0.2147% | 6,170 |
| Return on Equity (ROE) | 2.7510% | 5,808 |
| Retained earnings to average equity (ytd only) | -0.1550% | 6,020 |
| Net charge-offs to loans | 0.2234% | 2,807 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 4.2778% | 2,610 |
| Efficiency ratio | 90.0259% | 1,095 |
| Assets per employee ($millions) | 4.1150% | 3,764 |
| Cash dividends to net income (ytd only)* | 105.6338% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0639% | 787 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4036% | 5,852 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 32.7596% | 6,790 |
| Net loans and leases to deposits | 36.9600% | 6,857 |
| Net loans and leases to core deposits | 39.2439% | 6,839 |
| Total domestic deposits to total assets | 88.6353% | 1,932 |
| Equity capital to assets | 10.9104% | 3,016 |
| Core capital (leverage) ratio | 10.5398% | 2,703 |
| Tier 1 risk-based capital ratio | 21.4620% | 1,388 |
| Total risk-based capital ratio | 22.6797% | 1,370 |
| Memoranda: | ||
| Average total assets | $95,020,000 | 5,065 |
| Average earning assets | $81,353,500 | 5,210 |
| Average equity | $10,323,500 | 4,964 |
| Average total loans | $32,223,500 | 5,995 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3483% | 5,606 |
| Cost of funding earning assets | 0.8259% | 4,663 |
| Net interest margin | 3.5224% | 5,059 |
| Noninterest income to average assets | 0.6729% | 2,767 |
| Noninterest expense to average assets | 2.8682% | 4,088 |
| Loan and lease loss provision to assets | 0.0988% | 5,354 |
| Net operating income to assets | 0.6543% | 3,725 |
| Return on assets (ROA) | 0.6575% | 3,894 |
| Pretax return on assets | 0.6773% | 4,420 |
| Return on Equity (ROE) | 5.9565% | 3,891 |
| Retained earnings to average equity (ytd only) | 2.9932% | 4,096 |
| Net charge-offs to loans | 0.0382% | 5,931 |
| Credit loss provision to net charge-offs | 600.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 46.9333% | 589 |
| Efficiency ratio | 78.7760% | 2,487 |
| Assets per employee ($millions) | 4.1477% | 3,553 |
| Cash dividends to net income (ytd only)* | 49.7496% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9819% | 828 |
| Loan loss allowance to noncurrent loans | 1,536.5079% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 5,796 |
| Noncurrent loans to loans | 0.1941% | 6,359 |
| Net loans and leases to total assets | 33.0140% | 6,910 |
| Net loans and leases to deposits | 37.2168% | 6,975 |
| Net loans and leases to core deposits | 39.4909% | 6,960 |
| Total domestic deposits to total assets | 88.7071% | 1,715 |
| Equity capital to assets | 10.8191% | 3,173 |
| Core capital (leverage) ratio | 10.8323% | 2,408 |
| Tier 1 risk-based capital ratio | 21.4194% | 1,337 |
| Total risk-based capital ratio | 22.6784% | 1,307 |
| Memoranda: | ||
| Average total assets | $91,102,600 | 5,155 |
| Average earning assets | $76,765,400 | 5,320 |
| Average equity | $10,056,200 | 4,996 |
| Average total loans | $39,294,000 | 5,723 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4404% | 5,457 |
| Cost of funding earning assets | 0.8566% | 4,722 |
| Net interest margin | 3.5838% | 4,836 |
| Noninterest income to average assets | 0.7123% | 2,529 |
| Noninterest expense to average assets | 2.9249% | 3,818 |
| Loan and lease loss provision to assets | 0.1333% | 4,766 |
| Net operating income to assets | 0.5899% | 4,132 |
| Return on assets (ROA) | 0.5939% | 4,298 |
| Pretax return on assets | 0.6575% | 4,618 |
| Return on Equity (ROE) | 5.3519% | 4,362 |
| Retained earnings to average equity (ytd only) | 2.1487% | 5,055 |
| Net charge-offs to loans | 0.0520% | 5,458 |
| Credit loss provision to net charge-offs | 562.5000% | 492 |
| Earnings coverage of net charge-offs (x) | 33.1917% | 870 |
| Efficiency ratio | 78.8109% | 2,429 |
| Assets per employee ($millions) | 3.8488% | 4,196 |
| Cash dividends to net income (ytd only)* | 59.8504% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2648% | 1,746 |
| Loan loss allowance to noncurrent loans | 130.6757% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 1.3635% | 4,097 |
| Noncurrent loans to loans | 1.7332% | 3,720 |
| Net loans and leases to total assets | 47.1397% | 6,039 |
| Net loans and leases to deposits | 53.6425% | 6,239 |
| Net loans and leases to core deposits | 56.4523% | 6,281 |
| Total domestic deposits to total assets | 87.8776% | 2,109 |
| Equity capital to assets | 11.5813% | 2,613 |
| Core capital (leverage) ratio | 11.4278% | 2,081 |
| Tier 1 risk-based capital ratio | 17.3101% | 2,519 |
| Total risk-based capital ratio | 18.5469% | 2,489 |
| Memoranda: | ||
| Average total assets | $90,029,250 | 5,226 |
| Average earning assets | $75,336,250 | 5,406 |
| Average equity | $9,990,000 | 5,031 |
| Average total loans | $41,002,000 | 5,697 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 5,960 |
| Cost of funding earning assets | 0.8610% | 4,977 |
| Net interest margin | 3.4571% | 5,332 |
| Noninterest income to average assets | 0.6760% | 2,677 |
| Noninterest expense to average assets | 2.9559% | 3,805 |
| Loan and lease loss provision to assets | 0.1326% | 4,641 |
| Net operating income to assets | 0.4996% | 4,501 |
| Return on assets (ROA) | 0.5059% | 4,617 |
| Pretax return on assets | 0.5302% | 4,967 |
| Return on Equity (ROE) | 4.6250% | 4,628 |
| Retained earnings to average equity (ytd only) | 1.3936% | 5,294 |
| Net charge-offs to loans | 0.0791% | 4,849 |
| Credit loss provision to net charge-offs | 375.0000% | 805 |
| Earnings coverage of net charge-offs (x) | 18.5625% | 1,253 |
| Efficiency ratio | 81.8349% | 2,124 |
| Assets per employee ($millions) | 3.7878% | 4,229 |
| Cash dividends to net income (ytd only)* | 69.8690% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1346% | 2,045 |
| Loan loss allowance to noncurrent loans | 118.0101% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 1.2799% | 4,337 |
| Noncurrent loans to loans | 1.8089% | 3,740 |
| Net loans and leases to total assets | 49.3096% | 5,911 |
| Net loans and leases to deposits | 56.0349% | 6,136 |
| Net loans and leases to core deposits | 58.2948% | 6,251 |
| Total domestic deposits to total assets | 87.9980% | 2,142 |
| Equity capital to assets | 11.4728% | 2,524 |
| Core capital (leverage) ratio | 11.1996% | 2,114 |
| Tier 1 risk-based capital ratio | 17.5340% | 2,326 |
| Total risk-based capital ratio | 18.7631% | 2,303 |
| Memoranda: | ||
| Average total assets | $90,531,670 | 5,244 |
| Average earning assets | $76,886,000 | 5,399 |
| Average equity | $9,902,670 | 5,074 |
| Average total loans | $40,437,330 | 5,783 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1481% | 6,399 |
| Cost of funding earning assets | 0.8822% | 5,050 |
| Net interest margin | 3.2659% | 5,888 |
| Noninterest income to average assets | 0.6895% | 2,633 |
| Noninterest expense to average assets | 3.0053% | 3,629 |
| Loan and lease loss provision to assets | 0.1301% | 4,375 |
| Net operating income to assets | 0.3556% | 5,146 |
| Return on assets (ROA) | 0.3556% | 5,223 |
| Pretax return on assets | 0.2992% | 5,651 |
| Return on Equity (ROE) | 3.3278% | 5,226 |
| Retained earnings to average equity (ytd only) | 0.0812% | 5,759 |
| Net charge-offs to loans | 0.1550% | 3,556 |
| Credit loss provision to net charge-offs | 200.0000% | 1,479 |
| Earnings coverage of net charge-offs (x) | 6.6000% | 2,073 |
| Efficiency ratio | 87.5000% | 1,567 |
| Assets per employee ($millions) | 4.1010% | 3,637 |
| Cash dividends to net income (ytd only)* | 97.5610% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2305% | 1,894 |
| Loan loss allowance to noncurrent loans | 125.9362% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 1.1549% | 4,629 |
| Noncurrent loans to loans | 1.7712% | 3,862 |
| Net loans and leases to total assets | 44.1139% | 6,462 |
| Net loans and leases to deposits | 49.8453% | 6,634 |
| Net loans and leases to core deposits | 52.4540% | 6,656 |
| Total domestic deposits to total assets | 88.5016% | 2,075 |
| Equity capital to assets | 10.9708% | 2,718 |
| Core capital (leverage) ratio | 10.8235% | 2,339 |
| Tier 1 risk-based capital ratio | 17.9766% | 2,119 |
| Total risk-based capital ratio | 19.1998% | 2,100 |
| Memoranda: | ||
| Average total assets | $92,238,000 | 5,230 |
| Average earning assets | $77,529,500 | 5,428 |
| Average equity | $9,856,500 | 5,080 |
| Average total loans | $38,708,500 | 5,906 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1632% | 3,782 |
| Cost of funding earning assets | 1.1523% | 4,839 |
| Net interest margin | 4.0109% | 2,974 |
| Noninterest income to average assets | 0.7963% | 2,309 |
| Noninterest expense to average assets | 3.0795% | 3,548 |
| Loan and lease loss provision to assets | 0.2499% | 4,794 |
| Net operating income to assets | 0.6522% | 3,428 |
| Return on assets (ROA) | 0.6782% | 3,443 |
| Pretax return on assets | 0.7702% | 3,724 |
| Return on Equity (ROE) | 6.1285% | 3,558 |
| Retained earnings to average equity (ytd only) | 3.3055% | 3,557 |
| Net charge-offs to loans | 0.5529% | 3,406 |
| Credit loss provision to net charge-offs | 95.2381% | 4,879 |
| Earnings coverage of net charge-offs (x) | 3.7749% | 3,192 |
| Efficiency ratio | 75.6629% | 3,098 |
| Assets per employee ($millions) | 4.0980% | 3,585 |
| Cash dividends to net income (ytd only)* | 46.0637% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4326% | 1,508 |
| Loan loss allowance to noncurrent loans | 119.5448% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 1.1405% | 4,727 |
| Noncurrent loans to loans | 2.0349% | 3,510 |
| Net loans and leases to total assets | 37.9990% | 7,070 |
| Net loans and leases to deposits | 42.6813% | 7,161 |
| Net loans and leases to core deposits | 45.5628% | 7,156 |
| Total domestic deposits to total assets | 89.0298% | 1,648 |
| Equity capital to assets | 10.4132% | 3,260 |
| Core capital (leverage) ratio | 10.4824% | 2,579 |
| Tier 1 risk-based capital ratio | 18.8626% | 1,753 |
| Total risk-based capital ratio | 20.0833% | 1,729 |
| Memoranda: | ||
| Average total assets | $88,033,200 | 5,349 |
| Average earning assets | $71,854,400 | 5,607 |
| Average equity | $9,741,400 | 5,198 |
| Average total loans | $41,776,600 | 5,847 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3819% | 2,963 |
| Cost of funding earning assets | 1.2364% | 4,647 |
| Net interest margin | 4.1455% | 2,423 |
| Noninterest income to average assets | 0.8218% | 2,119 |
| Noninterest expense to average assets | 3.1992% | 2,930 |
| Loan and lease loss provision to assets | 0.2929% | 4,233 |
| Net operating income to assets | 0.6207% | 3,790 |
| Return on assets (ROA) | 0.6537% | 3,799 |
| Pretax return on assets | 0.7046% | 4,216 |
| Return on Equity (ROE) | 5.8143% | 3,898 |
| Retained earnings to average equity (ytd only) | 4.5252% | 3,323 |
| Net charge-offs to loans | 0.7341% | 2,586 |
| Credit loss provision to net charge-offs | 80.1688% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.6329% | 3,838 |
| Efficiency ratio | 76.8803% | 2,781 |
| Assets per employee ($millions) | 3.8295% | 4,197 |
| Cash dividends to net income (ytd only)* | 22.1697% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 2,852 |
| Loan loss allowance to noncurrent loans | 133.4891% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 1.1229% | 4,869 |
| Noncurrent loans to loans | 1.3332% | 4,630 |
| Net loans and leases to total assets | 53.7001% | 5,890 |
| Net loans and leases to deposits | 60.9691% | 6,215 |
| Net loans and leases to core deposits | 65.4471% | 6,164 |
| Total domestic deposits to total assets | 88.0776% | 1,918 |
| Equity capital to assets | 11.2820% | 2,717 |
| Core capital (leverage) ratio | 11.3297% | 2,045 |
| Tier 1 risk-based capital ratio | 15.7240% | 2,897 |
| Total risk-based capital ratio | 16.9682% | 2,855 |
| Memoranda: | ||
| Average total assets | $86,477,750 | 5,458 |
| Average earning assets | $69,663,750 | 5,744 |
| Average equity | $9,723,000 | 5,282 |
| Average total loans | $43,043,500 | 5,872 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4629% | 2,689 |
| Cost of funding earning assets | 1.3119% | 4,464 |
| Net interest margin | 4.1510% | 2,331 |
| Noninterest income to average assets | 0.7889% | 2,176 |
| Noninterest expense to average assets | 3.1904% | 2,932 |
| Loan and lease loss provision to assets | 0.1396% | 5,499 |
| Net operating income to assets | 0.6888% | 3,453 |
| Return on assets (ROA) | 0.6888% | 3,601 |
| Pretax return on assets | 0.7796% | 3,954 |
| Return on Equity (ROE) | 6.1337% | 3,739 |
| Retained earnings to average equity (ytd only) | 4.1858% | 3,407 |
| Net charge-offs to loans | 0.8370% | 2,166 |
| Credit loss provision to net charge-offs | 34.6821% | 5,674 |
| Earnings coverage of net charge-offs (x) | 2.2832% | 3,865 |
| Efficiency ratio | 77.6331% | 2,785 |
| Assets per employee ($millions) | 3.7142% | 4,427 |
| Cash dividends to net income (ytd only)* | 31.7568% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7683% | 2,822 |
| Loan loss allowance to noncurrent loans | 124.5669% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 1.1495% | 4,834 |
| Noncurrent loans to loans | 1.4196% | 4,584 |
| Net loans and leases to total assets | 51.4375% | 6,272 |
| Net loans and leases to deposits | 58.5092% | 6,539 |
| Net loans and leases to core deposits | 63.3165% | 6,461 |
| Total domestic deposits to total assets | 87.9135% | 2,047 |
| Equity capital to assets | 11.4216% | 2,503 |
| Core capital (leverage) ratio | 11.2972% | 2,036 |
| Tier 1 risk-based capital ratio | 16.6915% | 2,405 |
| Total risk-based capital ratio | 17.9337% | 2,354 |
| Memoranda: | ||
| Average total assets | $85,944,330 | 5,508 |
| Average earning assets | $68,754,330 | 5,804 |
| Average equity | $9,651,670 | 5,299 |
| Average total loans | $41,339,670 | 5,990 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4429% | 2,853 |
| Cost of funding earning assets | 1.4065% | 4,135 |
| Net interest margin | 4.0364% | 2,712 |
| Noninterest income to average assets | 0.7471% | 2,316 |
| Noninterest expense to average assets | 3.2017% | 2,856 |
| Loan and lease loss provision to assets | 0.1392% | 5,160 |
| Net operating income to assets | 0.5754% | 4,004 |
| Return on assets (ROA) | 0.5754% | 4,148 |
| Pretax return on assets | 0.5754% | 4,698 |
| Return on Equity (ROE) | 5.1672% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.1672% | 3,062 |
| Net charge-offs to loans | 0.8274% | 1,877 |
| Credit loss provision to net charge-offs | 36.5854% | 4,702 |
| Earnings coverage of net charge-offs (x) | 1.8780% | 3,605 |
| Efficiency ratio | 81.7536% | 2,303 |
| Assets per employee ($millions) | 3.6959% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0647% | 2,035 |
| Loan loss allowance to noncurrent loans | 99.5327% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 1.4152% | 4,385 |
| Noncurrent loans to loans | 2.0744% | 3,686 |
| Net loans and leases to total assets | 47.5414% | 6,713 |
| Net loans and leases to deposits | 54.1156% | 6,911 |
| Net loans and leases to core deposits | 58.1181% | 6,872 |
| Total domestic deposits to total assets | 87.8514% | 2,139 |
| Equity capital to assets | 11.4345% | 2,415 |
| Core capital (leverage) ratio | 11.2305% | 2,071 |
| Tier 1 risk-based capital ratio | 16.8184% | 2,336 |
| Total risk-based capital ratio | 18.0575% | 2,292 |
| Memoranda: | ||
| Average total assets | $86,203,500 | 5,568 |
| Average earning assets | $67,684,500 | 5,917 |
| Average equity | $9,599,000 | 5,346 |
| Average total loans | $39,643,500 | 6,139 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5155% | 4,064 |
| Cost of funding earning assets | 1.5534% | 5,263 |
| Net interest margin | 3.9621% | 3,018 |
| Noninterest income to average assets | 0.8981% | 1,949 |
| Noninterest expense to average assets | 3.2093% | 3,344 |
| Loan and lease loss provision to assets | 0.9421% | 2,391 |
| Net operating income to assets | 0.2300% | 4,802 |
| Return on assets (ROA) | 0.2300% | 4,870 |
| Pretax return on assets | 0.1358% | 5,144 |
| Return on Equity (ROE) | 1.9652% | 4,923 |
| Retained earnings to average equity (ytd only) | -2.7387% | 5,652 |
| Net charge-offs to loans | 1.8694% | 1,336 |
| Credit loss provision to net charge-offs | 102.6667% | 5,378 |
| Earnings coverage of net charge-offs (x) | 1.1747% | 4,952 |
| Efficiency ratio | 74.8573% | 3,734 |
| Assets per employee ($millions) | 3.8000% | 4,287 |
| Cash dividends to net income (ytd only)* | 239.3617% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3776% | 1,377 |
| Loan loss allowance to noncurrent loans | 57.7636% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 1.8284% | 3,631 |
| Noncurrent loans to loans | 4.1160% | 1,787 |
| Net loans and leases to total assets | 42.4686% | 7,225 |
| Net loans and leases to deposits | 48.1364% | 7,349 |
| Net loans and leases to core deposits | 55.5992% | 7,417 |
| Total domestic deposits to total assets | 88.2255% | 1,874 |
| Equity capital to assets | 10.8443% | 2,826 |
| Core capital (leverage) ratio | 11.3883% | 1,978 |
| Tier 1 risk-based capital ratio | 17.5243% | 2,017 |
| Total risk-based capital ratio | 18.7552% | 1,987 |
| Memoranda: | ||
| Average total assets | $81,730,000 | 5,677 |
| Average earning assets | $69,912,000 | 5,814 |
| Average equity | $9,566,600 | 5,423 |
| Average total loans | $40,120,600 | 6,106 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6108% | 3,803 |
| Cost of funding earning assets | 1.5727% | 5,524 |
| Net interest margin | 4.0381% | 2,644 |
| Noninterest income to average assets | 0.9015% | 1,976 |
| Noninterest expense to average assets | 3.3236% | 2,826 |
| Loan and lease loss provision to assets | 0.8965% | 2,146 |
| Net operating income to assets | 0.3337% | 4,663 |
| Return on assets (ROA) | 0.3337% | 4,762 |
| Pretax return on assets | 0.2108% | 5,272 |
| Return on Equity (ROE) | 2.7948% | 4,877 |
| Retained earnings to average equity (ytd only) | -3.4623% | 6,021 |
| Net charge-offs to loans | 2.4832% | 735 |
| Credit loss provision to net charge-offs | 71.3342% | 5,960 |
| Earnings coverage of net charge-offs (x) | 0.8811% | 5,182 |
| Efficiency ratio | 75.0094% | 3,689 |
| Assets per employee ($millions) | 3.5584% | 4,791 |
| Cash dividends to net income (ytd only)* | 223.8852% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6115% | 2,946 |
| Loan loss allowance to noncurrent loans | 49.1163% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 2.0936% | 3,219 |
| Noncurrent loans to loans | 3.2809% | 2,302 |
| Net loans and leases to total assets | 52.0202% | 6,594 |
| Net loans and leases to deposits | 59.8944% | 6,835 |
| Net loans and leases to core deposits | 70.8478% | 6,917 |
| Total domestic deposits to total assets | 86.8532% | 2,255 |
| Equity capital to assets | 12.0483% | 2,218 |
| Core capital (leverage) ratio | 11.9331% | 1,831 |
| Tier 1 risk-based capital ratio | 16.6925% | 2,365 |
| Total risk-based capital ratio | 17.8563% | 2,344 |
| Memoranda: | ||
| Average total assets | $80,312,250 | 5,753 |
| Average earning assets | $70,195,750 | 5,836 |
| Average equity | $9,588,750 | 5,464 |
| Average total loans | $40,645,250 | 6,124 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5638% | 4,260 |
| Cost of funding earning assets | 1.6098% | 5,705 |
| Net interest margin | 3.9541% | 2,874 |
| Noninterest income to average assets | 0.8470% | 2,188 |
| Noninterest expense to average assets | 3.2844% | 3,031 |
| Loan and lease loss provision to assets | 0.1482% | 5,598 |
| Net operating income to assets | 0.7779% | 2,943 |
| Return on assets (ROA) | 0.7779% | 3,044 |
| Pretax return on assets | 0.8841% | 3,393 |
| Return on Equity (ROE) | 6.5346% | 3,418 |
| Retained earnings to average equity (ytd only) | 0.3112% | 5,096 |
| Net charge-offs to loans | 1.2031% | 1,524 |
| Credit loss provision to net charge-offs | 24.6914% | 6,080 |
| Earnings coverage of net charge-offs (x) | 1.7202% | 4,266 |
| Efficiency ratio | 76.0870% | 3,676 |
| Assets per employee ($millions) | 3.5829% | 4,617 |
| Cash dividends to net income (ytd only)* | 95.2381% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6410% | 2,562 |
| Loan loss allowance to noncurrent loans | 63.6446% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.4412% | 4,086 |
| Noncurrent loans to loans | 2.5784% | 2,811 |
| Net loans and leases to total assets | 53.3797% | 6,526 |
| Net loans and leases to deposits | 62.8338% | 6,668 |
| Net loans and leases to core deposits | 75.6219% | 6,701 |
| Total domestic deposits to total assets | 84.9538% | 3,287 |
| Equity capital to assets | 12.2856% | 2,034 |
| Core capital (leverage) ratio | 12.2086% | 1,744 |
| Tier 1 risk-based capital ratio | 16.7109% | 2,393 |
| Total risk-based capital ratio | 17.9043% | 2,355 |
| Memoranda: | ||
| Average total assets | $80,988,000 | 5,762 |
| Average earning assets | $71,066,000 | 5,852 |
| Average equity | $9,641,000 | 5,477 |
| Average total loans | $40,396,670 | 6,188 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3828% | 5,514 |
| Cost of funding earning assets | 1.7322% | 5,466 |
| Net interest margin | 3.6506% | 4,097 |
| Noninterest income to average assets | 0.7847% | 2,402 |
| Noninterest expense to average assets | 3.2168% | 2,910 |
| Loan and lease loss provision to assets | 0.1462% | 5,067 |
| Net operating income to assets | 0.5751% | 4,119 |
| Return on assets (ROA) | 0.5751% | 4,317 |
| Pretax return on assets | 0.5751% | 4,829 |
| Return on Equity (ROE) | 4.9067% | 4,511 |
| Retained earnings to average equity (ytd only) | -1.3306% | 5,969 |
| Net charge-offs to loans | 0.1020% | 4,156 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 14.8000% | 1,640 |
| Efficiency ratio | 81.6832% | 2,582 |
| Assets per employee ($millions) | 3.7579% | 4,209 |
| Cash dividends to net income (ytd only)* | 127.1186% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2762% | 977 |
| Loan loss allowance to noncurrent loans | 86.0133% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.3112% | 4,046 |
| Noncurrent loans to loans | 2.6464% | 2,481 |
| Net loans and leases to total assets | 46.9452% | 7,109 |
| Net loans and leases to deposits | 53.6894% | 7,310 |
| Net loans and leases to core deposits | 64.9774% | 7,278 |
| Total domestic deposits to total assets | 87.4385% | 1,997 |
| Equity capital to assets | 11.5733% | 2,544 |
| Core capital (leverage) ratio | 11.5949% | 2,093 |
| Tier 1 risk-based capital ratio | 17.1840% | 2,285 |
| Total risk-based capital ratio | 18.4223% | 2,229 |
| Memoranda: | ||
| Average total assets | $82,070,000 | 5,747 |
| Average earning assets | $70,893,000 | 5,883 |
| Average equity | $9,619,500 | 5,500 |
| Average total loans | $39,206,000 | 6,267 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4065% | 3,383 |
| Cost of funding earning assets | 2.1574% | 5,792 |
| Net interest margin | 4.2490% | 2,117 |
| Noninterest income to average assets | 0.8494% | 2,238 |
| Noninterest expense to average assets | 3.3156% | 2,919 |
| Loan and lease loss provision to assets | 0.1448% | 5,506 |
| Net operating income to assets | 0.8765% | 3,106 |
| Return on assets (ROA) | 0.9085% | 2,812 |
| Pretax return on assets | 1.1655% | 2,787 |
| Return on Equity (ROE) | 7.8130% | 3,145 |
| Retained earnings to average equity (ytd only) | 1.5875% | 4,264 |
| Net charge-offs to loans | 0.2418% | 3,844 |
| Credit loss provision to net charge-offs | 112.1495% | 4,806 |
| Earnings coverage of net charge-offs (x) | 9.8318% | 2,626 |
| Efficiency ratio | 72.3158% | 3,878 |
| Assets per employee ($millions) | 3.5420% | 4,564 |
| Cash dividends to net income (ytd only)* | 79.6813% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2870% | 867 |
| Loan loss allowance to noncurrent loans | 153.1142% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.7500% | 4,972 |
| Noncurrent loans to loans | 1.4937% | 3,560 |
| Net loans and leases to total assets | 46.4139% | 7,290 |
| Net loans and leases to deposits | 53.3442% | 7,470 |
| Net loans and leases to core deposits | 65.0003% | 7,398 |
| Total domestic deposits to total assets | 87.0082% | 1,927 |
| Equity capital to assets | 11.8711% | 2,375 |
| Core capital (leverage) ratio | 11.5297% | 2,236 |
| Tier 1 risk-based capital ratio | 17.5493% | 2,168 |
| Total risk-based capital ratio | 18.7795% | 2,108 |
| Memoranda: | ||
| Average total assets | $82,881,600 | 5,596 |
| Average earning assets | $72,863,800 | 5,716 |
| Average equity | $9,637,800 | 5,525 |
| Average total loans | $44,244,800 | 5,965 |