Home > The Peoples Bank > Performance and Condition Ratios
The Peoples 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 | 5.7195% | 1,628 |
| Cost of funding earning assets | 1.2420% | 3,689 |
| Net interest margin | 4.4774% | 645 |
| Noninterest income to average assets | 0.4400% | 2,021 |
| Noninterest expense to average assets | 2.9938% | 1,146 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 1.7570% | 683 |
| Return on assets (ROA) | 1.7570% | 682 |
| Pretax return on assets | 1.7570% | 1,019 |
| Return on Equity (ROE) | 23.5400% | 244 |
| Retained earnings to average equity (ytd only) | 3.2825% | 3,020 |
| Net charge-offs to loans | 0.0845% | 917 |
| Credit loss provision to net charge-offs | 88.2353% | 1,348 |
| Earnings coverage of net charge-offs (x) | 35.0588% | 1,155 |
| Efficiency ratio | 62.4212% | 2,663 |
| Assets per employee ($millions) | 4.3147% | 3,979 |
| Cash dividends to net income (ytd only)* | 86.0585% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 829 |
| Loan loss allowance to noncurrent loans | 189.8426% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5226% | 1,420 |
| Noncurrent loans to loans | 0.8357% | 1,253 |
| Net loans and leases to total assets | 61.5400% | 2,745 |
| Net loans and leases to deposits | 66.9459% | 3,072 |
| Net loans and leases to core deposits | 71.8421% | 3,204 |
| Total domestic deposits to total assets | 91.9300% | 306 |
| Equity capital to assets | 7.5997% | 3,802 |
| Core capital (leverage) ratio | 11.4440% | 1,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7222% | 597 |
| Memoranda: | ||
| Average total assets | $132,272,500 | 3,527 |
| Average earning assets | $128,823,500 | 3,458 |
| Average equity | $9,870,500 | 3,794 |
| Average total loans | $80,455,500 | 3,439 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8115% | 1,565 |
| Cost of funding earning assets | 1.1606% | 3,861 |
| Net interest margin | 4.6509% | 526 |
| Noninterest income to average assets | 0.5100% | 1,882 |
| Noninterest expense to average assets | 3.1858% | 890 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 1.7952% | 552 |
| Return on assets (ROA) | 1.7952% | 549 |
| Pretax return on assets | 1.7952% | 832 |
| Return on Equity (ROE) | 22.6700% | 266 |
| Retained earnings to average equity (ytd only) | 2.2279% | 3,297 |
| Net charge-offs to loans | 0.0638% | 1,494 |
| Credit loss provision to net charge-offs | 114.8936% | 1,717 |
| Earnings coverage of net charge-offs (x) | 48.4681% | 1,227 |
| Efficiency ratio | 63.3408% | 2,787 |
| Assets per employee ($millions) | 4.3596% | 3,981 |
| Cash dividends to net income (ytd only)* | 90.1713% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7200% | 616 |
| Loan loss allowance to noncurrent loans | 178.3893% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.5696% | 1,276 |
| Noncurrent loans to loans | 0.9642% | 1,036 |
| Net loans and leases to total assets | 58.0600% | 3,097 |
| Net loans and leases to deposits | 63.1168% | 3,386 |
| Net loans and leases to core deposits | 66.8459% | 3,482 |
| Total domestic deposits to total assets | 91.9900% | 306 |
| Equity capital to assets | 7.3217% | 3,848 |
| Core capital (leverage) ratio | 11.7271% | 1,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9332% | 526 |
| Memoranda: | ||
| Average total assets | $123,549,600 | 3,593 |
| Average earning assets | $120,106,200 | 3,520 |
| Average equity | $9,785,000 | 3,780 |
| Average total loans | $73,646,200 | 3,514 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8372% | 1,491 |
| Cost of funding earning assets | 1.1550% | 3,877 |
| Net interest margin | 4.6822% | 500 |
| Noninterest income to average assets | 0.5200% | 1,809 |
| Noninterest expense to average assets | 3.1827% | 864 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 1.8367% | 558 |
| Return on assets (ROA) | 1.8367% | 560 |
| Pretax return on assets | 1.8367% | 824 |
| Return on Equity (ROE) | 22.7300% | 279 |
| Retained earnings to average equity (ytd only) | 2.3990% | 3,351 |
| Net charge-offs to loans | 0.0495% | 1,406 |
| Credit loss provision to net charge-offs | 144.4444% | 1,329 |
| Earnings coverage of net charge-offs (x) | 63.7778% | 1,061 |
| Efficiency ratio | 62.7917% | 2,841 |
| Assets per employee ($millions) | 3.7186% | 4,192 |
| Cash dividends to net income (ytd only)* | 89.4454% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7844% | 562 |
| Loan loss allowance to noncurrent loans | 269.4949% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 1,620 |
| Noncurrent loans to loans | 0.6621% | 1,474 |
| Net loans and leases to total assets | 61.7000% | 2,771 |
| Net loans and leases to deposits | 69.1443% | 3,052 |
| Net loans and leases to core deposits | 73.3914% | 3,215 |
| Total domestic deposits to total assets | 89.2400% | 819 |
| Equity capital to assets | 9.1936% | 2,886 |
| Core capital (leverage) ratio | 12.4118% | 1,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8208% | 487 |
| Memoranda: | ||
| Average total assets | $121,739,750 | 3,612 |
| Average earning assets | $118,318,250 | 3,545 |
| Average equity | $9,837,250 | 3,788 |
| Average total loans | $72,740,750 | 3,536 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7133% | 1,583 |
| Cost of funding earning assets | 1.1524% | 3,847 |
| Net interest margin | 4.5609% | 572 |
| Noninterest income to average assets | 0.5300% | 1,732 |
| Noninterest expense to average assets | 3.0688% | 1,015 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 1.8426% | 553 |
| Return on assets (ROA) | 1.8426% | 556 |
| Pretax return on assets | 1.8426% | 800 |
| Return on Equity (ROE) | 23.8700% | 259 |
| Retained earnings to average equity (ytd only) | 2.7456% | 3,106 |
| Net charge-offs to loans | 0.1360% | 727 |
| Credit loss provision to net charge-offs | 61.2245% | 1,763 |
| Earnings coverage of net charge-offs (x) | 23.6735% | 1,536 |
| Efficiency ratio | 61.8672% | 3,014 |
| Assets per employee ($millions) | 3.7408% | 4,214 |
| Cash dividends to net income (ytd only)* | 88.4956% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7413% | 613 |
| Loan loss allowance to noncurrent loans | 260.6000% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 1,537 |
| Noncurrent loans to loans | 0.6682% | 1,377 |
| Net loans and leases to total assets | 61.4200% | 2,824 |
| Net loans and leases to deposits | 67.1532% | 3,180 |
| Net loans and leases to core deposits | 70.5765% | 3,340 |
| Total domestic deposits to total assets | 91.4700% | 358 |
| Equity capital to assets | 7.9145% | 3,487 |
| Core capital (leverage) ratio | 12.0006% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0238% | 468 |
| Memoranda: | ||
| Average total assets | $122,654,333 | 3,616 |
| Average earning assets | $119,230,000 | 3,543 |
| Average equity | $9,469,667 | 3,808 |
| Average total loans | $72,068,667 | 3,549 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6134% | 1,611 |
| Cost of funding earning assets | 1.1631% | 3,789 |
| Net interest margin | 4.4503% | 622 |
| Noninterest income to average assets | 0.4800% | 1,876 |
| Noninterest expense to average assets | 2.9904% | 1,104 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 1.7723% | 592 |
| Return on assets (ROA) | 1.7723% | 599 |
| Pretax return on assets | 1.7723% | 867 |
| Return on Equity (ROE) | 23.2400% | 283 |
| Retained earnings to average equity (ytd only) | 2.1125% | 3,214 |
| Net charge-offs to loans | 0.0849% | 800 |
| Credit loss provision to net charge-offs | 100.0000% | 1,145 |
| Earnings coverage of net charge-offs (x) | 37.6667% | 1,087 |
| Efficiency ratio | 62.1567% | 3,016 |
| Assets per employee ($millions) | 3.9634% | 4,163 |
| Cash dividends to net income (ytd only)* | 90.9091% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8537% | 504 |
| Loan loss allowance to noncurrent loans | 231.5236% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.4647% | 1,354 |
| Noncurrent loans to loans | 0.8006% | 1,104 |
| Net loans and leases to total assets | 56.9700% | 3,124 |
| Net loans and leases to deposits | 61.9971% | 3,403 |
| Net loans and leases to core deposits | 65.2175% | 3,550 |
| Total domestic deposits to total assets | 91.8900% | 351 |
| Equity capital to assets | 7.5489% | 3,651 |
| Core capital (leverage) ratio | 11.9211% | 1,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5186% | 363 |
| Memoranda: | ||
| Average total assets | $124,129,000 | 3,615 |
| Average earning assets | $120,710,500 | 3,548 |
| Average equity | $9,467,500 | 3,818 |
| Average total loans | $70,687,500 | 3,567 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2004% | 1,660 |
| Cost of funding earning assets | 0.8262% | 3,668 |
| Net interest margin | 4.3743% | 729 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.9237% | 1,224 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.8494% | 568 |
| Return on assets (ROA) | 1.8494% | 551 |
| Pretax return on assets | 1.8494% | 827 |
| Return on Equity (ROE) | 25.3900% | 298 |
| Retained earnings to average equity (ytd only) | 2.2794% | 3,509 |
| Net charge-offs to loans | 0.0378% | 1,554 |
| Credit loss provision to net charge-offs | 222.2222% | 1,148 |
| Earnings coverage of net charge-offs (x) | 91.7407% | 945 |
| Efficiency ratio | 60.6701% | 3,006 |
| Assets per employee ($millions) | 4.4783% | 3,964 |
| Cash dividends to net income (ytd only)* | 91.0219% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8885% | 457 |
| Loan loss allowance to noncurrent loans | 243.6464% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.4330% | 1,286 |
| Noncurrent loans to loans | 0.7751% | 1,006 |
| Net loans and leases to total assets | 54.8200% | 3,285 |
| Net loans and leases to deposits | 59.8765% | 3,527 |
| Net loans and leases to core deposits | 62.6489% | 3,651 |
| Total domestic deposits to total assets | 91.5500% | 380 |
| Equity capital to assets | 7.7038% | 3,600 |
| Core capital (leverage) ratio | 11.4923% | 1,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0037% | 426 |
| Memoranda: | ||
| Average total assets | $130,691,000 | 3,544 |
| Average earning assets | $126,970,000 | 3,472 |
| Average equity | $9,520,200 | 3,770 |
| Average total loans | $71,475,200 | 3,526 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0926% | 1,646 |
| Cost of funding earning assets | 0.7633% | 3,626 |
| Net interest margin | 4.3293% | 773 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.8481% | 1,322 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.8543% | 596 |
| Return on assets (ROA) | 1.8543% | 589 |
| Pretax return on assets | 1.8543% | 921 |
| Return on Equity (ROE) | 25.8100% | 361 |
| Retained earnings to average equity (ytd only) | 7.5343% | 2,133 |
| Net charge-offs to loans | 0.0408% | 1,305 |
| Credit loss provision to net charge-offs | 204.5455% | 1,102 |
| Earnings coverage of net charge-offs (x) | 85.5000% | 1,007 |
| Efficiency ratio | 59.9872% | 2,963 |
| Assets per employee ($millions) | 4.1213% | 4,110 |
| Cash dividends to net income (ytd only)* | 70.8061% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 544 |
| Loan loss allowance to noncurrent loans | 207.9239% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.5104% | 1,140 |
| Noncurrent loans to loans | 0.8767% | 945 |
| Net loans and leases to total assets | 57.1500% | 3,104 |
| Net loans and leases to deposits | 61.8047% | 3,408 |
| Net loans and leases to core deposits | 64.6659% | 3,497 |
| Total domestic deposits to total assets | 92.4800% | 378 |
| Equity capital to assets | 6.8207% | 3,697 |
| Core capital (leverage) ratio | 12.0610% | 1,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7103% | 449 |
| Memoranda: | ||
| Average total assets | $132,015,750 | 3,537 |
| Average earning assets | $128,208,250 | 3,469 |
| Average equity | $9,485,250 | 3,773 |
| Average total loans | $71,829,750 | 3,529 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9935% | 1,576 |
| Cost of funding earning assets | 0.7378% | 3,379 |
| Net interest margin | 4.2557% | 855 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.6972% | 1,648 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.9213% | 539 |
| Return on assets (ROA) | 1.9213% | 535 |
| Pretax return on assets | 1.9213% | 832 |
| Return on Equity (ROE) | 26.3300% | 316 |
| Retained earnings to average equity (ytd only) | 10.0651% | 1,387 |
| Net charge-offs to loans | 0.0474% | 1,037 |
| Credit loss provision to net charge-offs | 176.4706% | 1,100 |
| Earnings coverage of net charge-offs (x) | 77.9412% | 1,064 |
| Efficiency ratio | 57.8428% | 3,206 |
| Assets per employee ($millions) | 3.8116% | 4,255 |
| Cash dividends to net income (ytd only)* | 61.7761% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7774% | 649 |
| Loan loss allowance to noncurrent loans | 223.3276% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.4499% | 1,192 |
| Noncurrent loans to loans | 0.7959% | 956 |
| Net loans and leases to total assets | 55.5200% | 3,152 |
| Net loans and leases to deposits | 60.4368% | 3,396 |
| Net loans and leases to core deposits | 62.9213% | 3,501 |
| Total domestic deposits to total assets | 91.8700% | 441 |
| Equity capital to assets | 7.5550% | 3,490 |
| Core capital (leverage) ratio | 11.4700% | 1,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4041% | 528 |
| Memoranda: | ||
| Average total assets | $134,808,000 | 3,523 |
| Average earning assets | $130,930,667 | 3,456 |
| Average equity | $9,836,000 | 3,763 |
| Average total loans | $71,780,667 | 3,531 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8850% | 1,440 |
| Cost of funding earning assets | 0.6983% | 3,060 |
| Net interest margin | 4.1867% | 969 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.6548% | 1,793 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.9299% | 548 |
| Return on assets (ROA) | 1.9299% | 541 |
| Pretax return on assets | 1.9299% | 871 |
| Return on Equity (ROE) | 26.9000% | 326 |
| Retained earnings to average equity (ytd only) | 10.6710% | 1,542 |
| Net charge-offs to loans | 0.0619% | 759 |
| Credit loss provision to net charge-offs | 136.3636% | 984 |
| Earnings coverage of net charge-offs (x) | 61.6364% | 1,003 |
| Efficiency ratio | 57.3585% | 3,263 |
| Assets per employee ($millions) | 4.2107% | 4,164 |
| Cash dividends to net income (ytd only)* | 60.3318% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8204% | 639 |
| Loan loss allowance to noncurrent loans | 183.6648% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.5225% | 990 |
| Noncurrent loans to loans | 0.9911% | 732 |
| Net loans and leases to total assets | 51.7600% | 3,360 |
| Net loans and leases to deposits | 56.3364% | 3,551 |
| Net loans and leases to core deposits | 57.4451% | 3,658 |
| Total domestic deposits to total assets | 91.8700% | 548 |
| Equity capital to assets | 7.6287% | 3,492 |
| Core capital (leverage) ratio | 10.9366% | 1,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3284% | 552 |
| Memoranda: | ||
| Average total assets | $137,414,000 | 3,539 |
| Average earning assets | $133,469,000 | 3,478 |
| Average equity | $9,858,500 | 3,801 |
| Average total loans | $71,043,500 | 3,588 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9785% | 1,763 |
| Cost of funding earning assets | 0.3149% | 2,753 |
| Net interest margin | 3.6637% | 1,463 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.6165% | 1,784 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.5016% | 874 |
| Return on assets (ROA) | 1.5016% | 841 |
| Pretax return on assets | 1.5016% | 1,454 |
| Return on Equity (ROE) | 18.7900% | 600 |
| Retained earnings to average equity (ytd only) | 4.3430% | 3,286 |
| Net charge-offs to loans | -0.2999% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.2038% | 2,605 |
| Assets per employee ($millions) | 4.5189% | 4,028 |
| Cash dividends to net income (ytd only)* | 76.8861% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8605% | 583 |
| Loan loss allowance to noncurrent loans | 196.7262% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4797% | 1,058 |
| Noncurrent loans to loans | 0.9457% | 786 |
| Net loans and leases to total assets | 49.7800% | 3,519 |
| Net loans and leases to deposits | 53.7634% | 3,692 |
| Net loans and leases to core deposits | 55.0872% | 3,760 |
| Total domestic deposits to total assets | 92.5900% | 493 |
| Equity capital to assets | 6.7372% | 3,796 |
| Core capital (leverage) ratio | 10.5379% | 2,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3313% | 528 |
| Memoranda: | ||
| Average total assets | $138,583,200 | 3,547 |
| Average earning assets | $134,019,200 | 3,486 |
| Average equity | $11,075,200 | 3,755 |
| Average total loans | $71,679,600 | 3,552 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 1,716 |
| Cost of funding earning assets | 0.2396% | 2,824 |
| Net interest margin | 3.5739% | 1,457 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.5449% | 1,881 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.4143% | 1,045 |
| Return on assets (ROA) | 1.4143% | 1,019 |
| Pretax return on assets | 1.4143% | 1,673 |
| Return on Equity (ROE) | 17.0200% | 785 |
| Retained earnings to average equity (ytd only) | 3.0881% | 3,758 |
| Net charge-offs to loans | -0.4083% | 4,718 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.4527% | 2,773 |
| Assets per employee ($millions) | 4.1615% | 4,247 |
| Cash dividends to net income (ytd only)* | 81.8554% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9321% | 564 |
| Loan loss allowance to noncurrent loans | 205.5152% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 1,052 |
| Noncurrent loans to loans | 0.9401% | 830 |
| Net loans and leases to total assets | 53.9700% | 3,105 |
| Net loans and leases to deposits | 58.0200% | 3,340 |
| Net loans and leases to core deposits | 59.6020% | 3,410 |
| Total domestic deposits to total assets | 93.0200% | 578 |
| Equity capital to assets | 6.3086% | 3,837 |
| Core capital (leverage) ratio | 10.7475% | 1,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5347% | 599 |
| Memoranda: | ||
| Average total assets | $138,207,250 | 3,572 |
| Average earning assets | $133,557,250 | 3,510 |
| Average equity | $11,484,500 | 3,766 |
| Average total loans | $71,835,000 | 3,555 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5677% | 1,940 |
| Cost of funding earning assets | 0.1939% | 2,993 |
| Net interest margin | 3.3737% | 1,680 |
| Noninterest income to average assets | 0.6448% | 1,568 |
| Noninterest expense to average assets | 2.4520% | 2,076 |
| Loan and lease loss provision to assets | 0.1358% | 701 |
| Net operating income to assets | 1.3153% | 1,096 |
| Return on assets (ROA) | 1.3153% | 1,078 |
| Pretax return on assets | 1.3153% | 1,692 |
| Return on Equity (ROE) | 14.7055% | 956 |
| Retained earnings to average equity (ytd only) | 1.9181% | 3,775 |
| Net charge-offs to loans | 0.0056% | 1,800 |
| Credit loss provision to net charge-offs | 4,750.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 507.5000% | 256 |
| Efficiency ratio | 62.8205% | 2,940 |
| Assets per employee ($millions) | 4.1366% | 4,296 |
| Cash dividends to net income (ytd only)* | 86.9565% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5963% | 1,162 |
| Loan loss allowance to noncurrent loans | 123.8347% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 787 |
| Noncurrent loans to loans | 1.2890% | 613 |
| Net loans and leases to total assets | 52.7914% | 3,084 |
| Net loans and leases to deposits | 57.3519% | 3,281 |
| Net loans and leases to core deposits | 58.7360% | 3,371 |
| Total domestic deposits to total assets | 92.0481% | 815 |
| Equity capital to assets | 7.3797% | 3,544 |
| Core capital (leverage) ratio | 10.5435% | 1,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3015% | 604 |
| Memoranda: | ||
| Average total assets | $139,887,000 | 3,600 |
| Average earning assets | $135,102,333 | 3,544 |
| Average equity | $12,512,333 | 3,732 |
| Average total loans | $71,350,000 | 3,598 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3814% | 2,143 |
| Cost of funding earning assets | 0.1695% | 3,227 |
| Net interest margin | 3.2119% | 1,851 |
| Noninterest income to average assets | 0.6809% | 1,384 |
| Noninterest expense to average assets | 2.4015% | 2,154 |
| Loan and lease loss provision to assets | 0.0424% | 1,595 |
| Net operating income to assets | 1.3420% | 920 |
| Return on assets (ROA) | 1.3420% | 906 |
| Pretax return on assets | 1.3420% | 1,403 |
| Return on Equity (ROE) | 13.8368% | 864 |
| Retained earnings to average equity (ytd only) | 2.1848% | 3,496 |
| Net charge-offs to loans | 0.0114% | 1,349 |
| Credit loss provision to net charge-offs | 750.0000% | 407 |
| Earnings coverage of net charge-offs (x) | 245.0000% | 372 |
| Efficiency ratio | 63.4328% | 3,089 |
| Assets per employee ($millions) | 4.4039% | 4,195 |
| Cash dividends to net income (ytd only)* | 84.2105% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5684% | 1,352 |
| Loan loss allowance to noncurrent loans | 112.8497% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.6848% | 838 |
| Noncurrent loans to loans | 1.3898% | 615 |
| Net loans and leases to total assets | 48.4992% | 3,331 |
| Net loans and leases to deposits | 53.4960% | 3,458 |
| Net loans and leases to core deposits | 54.7586% | 3,542 |
| Total domestic deposits to total assets | 90.6595% | 1,208 |
| Equity capital to assets | 8.7906% | 2,886 |
| Core capital (leverage) ratio | 10.5174% | 1,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3058% | 536 |
| Memoranda: | ||
| Average total assets | $141,576,000 | 3,603 |
| Average earning assets | $136,865,000 | 3,538 |
| Average equity | $13,731,500 | 3,683 |
| Average total loans | $70,408,000 | 3,610 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9507% | 1,488 |
| Cost of funding earning assets | 0.2260% | 3,185 |
| Net interest margin | 3.7246% | 1,155 |
| Noninterest income to average assets | 0.7164% | 1,704 |
| Noninterest expense to average assets | 2.6049% | 1,855 |
| Loan and lease loss provision to assets | 0.0904% | 1,375 |
| Net operating income to assets | 1.6083% | 779 |
| Return on assets (ROA) | 1.6083% | 816 |
| Pretax return on assets | 1.6083% | 1,402 |
| Return on Equity (ROE) | 14.0668% | 1,167 |
| Retained earnings to average equity (ytd only) | 4.6779% | 2,933 |
| Net charge-offs to loans | 0.2983% | 292 |
| Credit loss provision to net charge-offs | 56.6038% | 2,088 |
| Earnings coverage of net charge-offs (x) | 10.6368% | 2,201 |
| Efficiency ratio | 60.5286% | 3,077 |
| Assets per employee ($millions) | 4.3099% | 4,266 |
| Cash dividends to net income (ytd only)* | 66.7447% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 1,526 |
| Loan loss allowance to noncurrent loans | 109.2386% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 919 |
| Noncurrent loans to loans | 1.3799% | 678 |
| Net loans and leases to total assets | 49.4305% | 3,357 |
| Net loans and leases to deposits | 55.7482% | 3,442 |
| Net loans and leases to core deposits | 57.0793% | 3,545 |
| Total domestic deposits to total assets | 88.6675% | 1,690 |
| Equity capital to assets | 10.5992% | 2,088 |
| Core capital (leverage) ratio | 10.7271% | 1,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9523% | 563 |
| Memoranda: | ||
| Average total assets | $132,750,800 | 3,651 |
| Average earning assets | $127,851,600 | 3,600 |
| Average equity | $15,177,600 | 3,616 |
| Average total loans | $71,069,000 | 3,624 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 1,255 |
| Cost of funding earning assets | 0.2392% | 3,220 |
| Net interest margin | 3.8833% | 970 |
| Noninterest income to average assets | 0.7526% | 1,664 |
| Noninterest expense to average assets | 2.6639% | 1,680 |
| Loan and lease loss provision to assets | 0.0920% | 1,296 |
| Net operating income to assets | 1.7323% | 770 |
| Return on assets (ROA) | 1.7323% | 804 |
| Pretax return on assets | 1.7323% | 1,327 |
| Return on Equity (ROE) | 14.8561% | 1,173 |
| Retained earnings to average equity (ytd only) | 5.8670% | 2,886 |
| Net charge-offs to loans | -0.1071% | 4,639 |
| Credit loss provision to net charge-offs | -157.8947% | 3,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3529% | 3,085 |
| Assets per employee ($millions) | 4.0978% | 4,388 |
| Cash dividends to net income (ytd only)* | 60.5077% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8628% | 821 |
| Loan loss allowance to noncurrent loans | 181.8811% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.5514% | 1,391 |
| Noncurrent loans to loans | 1.0242% | 1,118 |
| Net loans and leases to total assets | 52.8304% | 3,105 |
| Net loans and leases to deposits | 60.4387% | 3,195 |
| Net loans and leases to core deposits | 62.0275% | 3,321 |
| Total domestic deposits to total assets | 87.4116% | 2,151 |
| Equity capital to assets | 11.7045% | 1,542 |
| Core capital (leverage) ratio | 11.1434% | 1,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3401% | 581 |
| Memoranda: | ||
| Average total assets | $130,381,500 | 3,708 |
| Average earning assets | $125,423,000 | 3,658 |
| Average equity | $15,203,250 | 3,659 |
| Average total loans | $70,991,250 | 3,684 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1334% | 1,283 |
| Cost of funding earning assets | 0.2461% | 3,312 |
| Net interest margin | 3.8873% | 992 |
| Noninterest income to average assets | 0.6870% | 1,857 |
| Noninterest expense to average assets | 2.5927% | 1,879 |
| Loan and lease loss provision to assets | 0.0922% | 1,358 |
| Net operating income to assets | 1.7413% | 813 |
| Return on assets (ROA) | 1.7413% | 858 |
| Pretax return on assets | 1.7413% | 1,381 |
| Return on Equity (ROE) | 14.9522% | 1,171 |
| Retained earnings to average equity (ytd only) | 6.7041% | 2,538 |
| Net charge-offs to loans | -0.1659% | 4,760 |
| Credit loss provision to net charge-offs | -101.6949% | 3,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5764% | 3,205 |
| Assets per employee ($millions) | 4.1561% | 4,361 |
| Cash dividends to net income (ytd only)* | 55.1633% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7958% | 889 |
| Loan loss allowance to noncurrent loans | 170.9163% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.5662% | 1,471 |
| Noncurrent loans to loans | 1.0507% | 1,166 |
| Net loans and leases to total assets | 52.9197% | 3,260 |
| Net loans and leases to deposits | 60.3913% | 3,359 |
| Net loans and leases to core deposits | 61.9406% | 3,465 |
| Total domestic deposits to total assets | 87.6280% | 2,027 |
| Equity capital to assets | 11.5261% | 1,615 |
| Core capital (leverage) ratio | 11.2356% | 1,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0358% | 614 |
| Memoranda: | ||
| Average total assets | $130,132,333 | 3,725 |
| Average earning assets | $125,175,333 | 3,677 |
| Average equity | $15,155,000 | 3,663 |
| Average total loans | $71,124,667 | 3,705 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9453% | 1,718 |
| Cost of funding earning assets | 0.2553% | 3,426 |
| Net interest margin | 3.6900% | 1,357 |
| Noninterest income to average assets | 0.7055% | 1,857 |
| Noninterest expense to average assets | 2.5610% | 1,990 |
| Loan and lease loss provision to assets | 0.0932% | 1,433 |
| Net operating income to assets | 1.6006% | 1,128 |
| Return on assets (ROA) | 1.6006% | 1,174 |
| Pretax return on assets | 1.6006% | 1,723 |
| Return on Equity (ROE) | 13.6714% | 1,497 |
| Retained earnings to average equity (ytd only) | 5.7075% | 3,000 |
| Net charge-offs to loans | -0.3387% | 4,861 |
| Credit loss provision to net charge-offs | -50.0000% | 2,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1899% | 3,009 |
| Assets per employee ($millions) | 3.8552% | 4,558 |
| Cash dividends to net income (ytd only)* | 58.2524% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7472% | 947 |
| Loan loss allowance to noncurrent loans | 120.3828% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.7972% | 1,127 |
| Noncurrent loans to loans | 1.4514% | 865 |
| Net loans and leases to total assets | 53.9686% | 3,245 |
| Net loans and leases to deposits | 61.4674% | 3,369 |
| Net loans and leases to core deposits | 62.9206% | 3,504 |
| Total domestic deposits to total assets | 87.8004% | 1,940 |
| Equity capital to assets | 11.3970% | 1,604 |
| Core capital (leverage) ratio | 11.3068% | 1,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5080% | 624 |
| Memoranda: | ||
| Average total assets | $128,701,500 | 3,754 |
| Average earning assets | $123,793,500 | 3,695 |
| Average equity | $15,068,000 | 3,679 |
| Average total loans | $70,853,500 | 3,718 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4664% | 1,395 |
| Cost of funding earning assets | 0.4426% | 3,330 |
| Net interest margin | 4.0238% | 929 |
| Noninterest income to average assets | 1.2070% | 768 |
| Noninterest expense to average assets | 3.0577% | 1,311 |
| Loan and lease loss provision to assets | 0.2454% | 1,578 |
| Net operating income to assets | 1.7531% | 432 |
| Return on assets (ROA) | 1.7531% | 471 |
| Pretax return on assets | 1.7531% | 760 |
| Return on Equity (ROE) | 14.0026% | 813 |
| Retained earnings to average equity (ytd only) | 6.2387% | 1,687 |
| Net charge-offs to loans | -0.0240% | 4,476 |
| Credit loss provision to net charge-offs | -1,670.5882% | 4,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4751% | 3,387 |
| Assets per employee ($millions) | 3.7154% | 4,556 |
| Cash dividends to net income (ytd only)* | 55.4460% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6756% | 1,090 |
| Loan loss allowance to noncurrent loans | 99.8291% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.9262% | 1,054 |
| Noncurrent loans to loans | 1.6784% | 771 |
| Net loans and leases to total assets | 54.2569% | 3,469 |
| Net loans and leases to deposits | 62.5154% | 3,571 |
| Net loans and leases to core deposits | 64.0651% | 3,686 |
| Total domestic deposits to total assets | 86.7896% | 2,042 |
| Equity capital to assets | 12.0301% | 1,551 |
| Core capital (leverage) ratio | 11.6571% | 1,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5871% | 534 |
| Memoranda: | ||
| Average total assets | $115,739,000 | 3,801 |
| Average earning assets | $110,715,800 | 3,757 |
| Average equity | $14,490,200 | 3,694 |
| Average total loans | $70,716,200 | 3,721 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6470% | 1,191 |
| Cost of funding earning assets | 0.4875% | 3,311 |
| Net interest margin | 4.1594% | 795 |
| Noninterest income to average assets | 1.1000% | 859 |
| Noninterest expense to average assets | 3.0558% | 1,325 |
| Loan and lease loss provision to assets | 0.2998% | 1,344 |
| Net operating income to assets | 1.7177% | 556 |
| Return on assets (ROA) | 1.7177% | 616 |
| Pretax return on assets | 1.7177% | 933 |
| Return on Equity (ROE) | 13.5719% | 958 |
| Retained earnings to average equity (ytd only) | 5.8871% | 2,148 |
| Net charge-offs to loans | -0.0301% | 4,535 |
| Credit loss provision to net charge-offs | -1,587.5000% | 4,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2370% | 3,355 |
| Assets per employee ($millions) | 3.4215% | 4,695 |
| Cash dividends to net income (ytd only)* | 56.6232% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 1,132 |
| Loan loss allowance to noncurrent loans | 94.7500% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 1.0315% | 1,061 |
| Noncurrent loans to loans | 1.6779% | 820 |
| Net loans and leases to total assets | 60.5018% | 3,166 |
| Net loans and leases to deposits | 70.4224% | 3,273 |
| Net loans and leases to core deposits | 71.6987% | 3,500 |
| Total domestic deposits to total assets | 85.9127% | 2,104 |
| Equity capital to assets | 12.8279% | 1,259 |
| Core capital (leverage) ratio | 12.1053% | 1,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9487% | 594 |
| Memoranda: | ||
| Average total assets | $113,092,500 | 3,832 |
| Average earning assets | $108,025,000 | 3,793 |
| Average equity | $14,313,500 | 3,722 |
| Average total loans | $70,968,250 | 3,731 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8364% | 1,085 |
| Cost of funding earning assets | 0.5405% | 3,291 |
| Net interest margin | 4.2959% | 760 |
| Noninterest income to average assets | 1.1463% | 763 |
| Noninterest expense to average assets | 3.1229% | 1,303 |
| Loan and lease loss provision to assets | 0.2750% | 1,556 |
| Net operating income to assets | 1.8498% | 453 |
| Return on assets (ROA) | 1.8498% | 497 |
| Pretax return on assets | 1.8498% | 741 |
| Return on Equity (ROE) | 14.6843% | 760 |
| Retained earnings to average equity (ytd only) | 6.8886% | 1,705 |
| Net charge-offs to loans | -0.0622% | 4,734 |
| Credit loss provision to net charge-offs | -700.0000% | 3,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5100% | 3,484 |
| Assets per employee ($millions) | 3.4050% | 4,709 |
| Cash dividends to net income (ytd only)* | 53.0888% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 1,291 |
| Loan loss allowance to noncurrent loans | 92.1378% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.9778% | 1,234 |
| Noncurrent loans to loans | 1.6176% | 908 |
| Net loans and leases to total assets | 59.5474% | 3,371 |
| Net loans and leases to deposits | 69.2420% | 3,478 |
| Net loans and leases to core deposits | 70.4974% | 3,663 |
| Total domestic deposits to total assets | 85.9990% | 2,007 |
| Equity capital to assets | 12.7477% | 1,258 |
| Core capital (leverage) ratio | 11.9869% | 1,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3732% | 551 |
| Memoranda: | ||
| Average total assets | $112,012,667 | 3,834 |
| Average earning assets | $106,938,333 | 3,790 |
| Average equity | $14,110,333 | 3,751 |
| Average total loans | $70,784,333 | 3,739 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3365% | 514 |
| Cost of funding earning assets | 0.6556% | 3,143 |
| Net interest margin | 4.6809% | 348 |
| Noninterest income to average assets | 0.8789% | 1,110 |
| Noninterest expense to average assets | 3.2252% | 1,375 |
| Loan and lease loss provision to assets | 0.0327% | 3,361 |
| Net operating income to assets | 2.0811% | 233 |
| Return on assets (ROA) | 2.0811% | 256 |
| Pretax return on assets | 2.0811% | 384 |
| Return on Equity (ROE) | 16.6250% | 371 |
| Retained earnings to average equity (ytd only) | 8.6461% | 1,069 |
| Net charge-offs to loans | -0.0225% | 4,373 |
| Credit loss provision to net charge-offs | -225.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4082% | 3,687 |
| Assets per employee ($millions) | 3.2486% | 4,667 |
| Cash dividends to net income (ytd only)* | 47.9930% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 2,415 |
| Loan loss allowance to noncurrent loans | 103.5294% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 1,758 |
| Noncurrent loans to loans | 1.2042% | 1,356 |
| Net loans and leases to total assets | 63.1121% | 3,174 |
| Net loans and leases to deposits | 73.2596% | 3,339 |
| Net loans and leases to core deposits | 74.6458% | 3,596 |
| Total domestic deposits to total assets | 86.1486% | 1,945 |
| Equity capital to assets | 12.5703% | 1,691 |
| Core capital (leverage) ratio | 12.4211% | 1,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3071% | 613 |
| Memoranda: | ||
| Average total assets | $110,134,000 | 3,845 |
| Average earning assets | $104,938,000 | 3,803 |
| Average equity | $13,786,500 | 3,798 |
| Average total loans | $71,186,000 | 3,741 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0520% | 1,339 |
| Cost of funding earning assets | 0.7161% | 3,086 |
| Net interest margin | 4.3359% | 1,020 |
| Noninterest income to average assets | 0.6634% | 1,949 |
| Noninterest expense to average assets | 3.3489% | 1,208 |
| Loan and lease loss provision to assets | 0.0346% | 3,317 |
| Net operating income to assets | 1.4213% | 1,270 |
| Return on assets (ROA) | 1.4270% | 1,317 |
| Pretax return on assets | 1.4270% | 2,059 |
| Return on Equity (ROE) | 11.4536% | 1,714 |
| Retained earnings to average equity (ytd only) | 2.6287% | 3,721 |
| Net charge-offs to loans | -0.0407% | 4,784 |
| Credit loss provision to net charge-offs | -132.1429% | 4,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6981% | 2,220 |
| Assets per employee ($millions) | 3.3278% | 4,622 |
| Cash dividends to net income (ytd only)* | 77.0492% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 2,394 |
| Loan loss allowance to noncurrent loans | 91.0714% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.8669% | 1,479 |
| Noncurrent loans to loans | 1.3262% | 1,132 |
| Net loans and leases to total assets | 64.5774% | 3,124 |
| Net loans and leases to deposits | 75.2507% | 3,240 |
| Net loans and leases to core deposits | 76.6836% | 3,536 |
| Total domestic deposits to total assets | 85.8164% | 2,134 |
| Equity capital to assets | 12.4653% | 1,841 |
| Core capital (leverage) ratio | 12.2812% | 1,608 |
| Tier 1 risk-based capital ratio | 20.1605% | 1,306 |
| Total risk-based capital ratio | 21.4111% | 1,277 |
| Memoranda: | ||
| Average total assets | $106,870,400 | 3,879 |
| Average earning assets | $102,079,000 | 3,833 |
| Average equity | $13,314,600 | 3,855 |
| Average total loans | $68,829,800 | 3,797 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0664% | 1,368 |
| Cost of funding earning assets | 0.7257% | 3,092 |
| Net interest margin | 4.3408% | 1,076 |
| Noninterest income to average assets | 0.6784% | 1,872 |
| Noninterest expense to average assets | 3.3617% | 1,155 |
| Loan and lease loss provision to assets | 0.0339% | 3,224 |
| Net operating income to assets | 1.4309% | 1,384 |
| Return on assets (ROA) | 1.4384% | 1,413 |
| Pretax return on assets | 1.4384% | 2,159 |
| Return on Equity (ROE) | 11.5470% | 1,787 |
| Retained earnings to average equity (ytd only) | 2.4708% | 4,105 |
| Net charge-offs to loans | -0.0685% | 4,906 |
| Credit loss provision to net charge-offs | -77.1429% | 4,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6512% | 2,168 |
| Assets per employee ($millions) | 3.1144% | 4,827 |
| Cash dividends to net income (ytd only)* | 78.6025% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 2,262 |
| Loan loss allowance to noncurrent loans | 94.2203% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.8922% | 1,525 |
| Noncurrent loans to loans | 1.3215% | 1,167 |
| Net loans and leases to total assets | 66.6761% | 2,964 |
| Net loans and leases to deposits | 78.7558% | 3,031 |
| Net loans and leases to core deposits | 80.3770% | 3,362 |
| Total domestic deposits to total assets | 84.6618% | 2,552 |
| Equity capital to assets | 13.2726% | 1,473 |
| Core capital (leverage) ratio | 12.7280% | 1,472 |
| Tier 1 risk-based capital ratio | 20.7098% | 1,229 |
| Total risk-based capital ratio | 21.9608% | 1,203 |
| Memoranda: | ||
| Average total assets | $106,133,750 | 3,934 |
| Average earning assets | $101,423,500 | 3,889 |
| Average equity | $13,221,000 | 3,902 |
| Average total loans | $68,091,250 | 3,854 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 1,597 |
| Cost of funding earning assets | 0.7176% | 3,067 |
| Net interest margin | 4.2393% | 1,270 |
| Noninterest income to average assets | 0.6601% | 1,874 |
| Noninterest expense to average assets | 3.3472% | 1,203 |
| Loan and lease loss provision to assets | 0.0336% | 3,154 |
| Net operating income to assets | 1.3333% | 1,642 |
| Return on assets (ROA) | 1.3445% | 1,666 |
| Pretax return on assets | 1.3445% | 2,398 |
| Return on Equity (ROE) | 11.0236% | 1,959 |
| Retained earnings to average equity (ytd only) | 1.8500% | 4,159 |
| Net charge-offs to loans | -0.0177% | 4,513 |
| Credit loss provision to net charge-offs | -300.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0047% | 2,069 |
| Assets per employee ($millions) | 3.0810% | 4,854 |
| Cash dividends to net income (ytd only)* | 83.2178% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 2,559 |
| Loan loss allowance to noncurrent loans | 69.0058% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.1100% | 1,220 |
| Noncurrent loans to loans | 1.7305% | 879 |
| Net loans and leases to total assets | 63.3774% | 3,411 |
| Net loans and leases to deposits | 75.6057% | 3,370 |
| Net loans and leases to core deposits | 77.0974% | 3,639 |
| Total domestic deposits to total assets | 83.8262% | 2,942 |
| Equity capital to assets | 12.4514% | 1,887 |
| Core capital (leverage) ratio | 12.3430% | 1,613 |
| Tier 1 risk-based capital ratio | 20.4048% | 1,270 |
| Total risk-based capital ratio | 21.6552% | 1,242 |
| Memoranda: | ||
| Average total assets | $107,253,000 | 3,939 |
| Average earning assets | $102,564,670 | 3,890 |
| Average equity | $13,081,000 | 3,922 |
| Average total loans | $67,658,000 | 3,889 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8911% | 1,615 |
| Cost of funding earning assets | 0.7116% | 2,994 |
| Net interest margin | 4.1796% | 1,349 |
| Noninterest income to average assets | 0.6582% | 1,791 |
| Noninterest expense to average assets | 3.2834% | 1,324 |
| Loan and lease loss provision to assets | 0.0337% | 2,957 |
| Net operating income to assets | 1.3388% | 1,562 |
| Return on assets (ROA) | 1.3463% | 1,575 |
| Pretax return on assets | 1.3463% | 2,271 |
| Return on Equity (ROE) | 11.1559% | 1,888 |
| Retained earnings to average equity (ytd only) | 1.8593% | 4,106 |
| Net charge-offs to loans | -0.0299% | 4,642 |
| Credit loss provision to net charge-offs | -180.0000% | 3,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5221% | 2,261 |
| Assets per employee ($millions) | 3.2542% | 4,784 |
| Cash dividends to net income (ytd only)* | 83.3333% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 2,480 |
| Loan loss allowance to noncurrent loans | 80.4734% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 1,489 |
| Noncurrent loans to loans | 1.5152% | 1,060 |
| Net loans and leases to total assets | 61.5551% | 3,544 |
| Net loans and leases to deposits | 71.5636% | 3,637 |
| Net loans and leases to core deposits | 72.6993% | 3,896 |
| Total domestic deposits to total assets | 86.0145% | 2,277 |
| Equity capital to assets | 12.1939% | 1,907 |
| Core capital (leverage) ratio | 12.2534% | 1,633 |
| Tier 1 risk-based capital ratio | 20.6108% | 1,228 |
| Total risk-based capital ratio | 21.8608% | 1,203 |
| Memoranda: | ||
| Average total assets | $106,962,000 | 3,984 |
| Average earning assets | $102,307,500 | 3,937 |
| Average equity | $12,908,000 | 3,961 |
| Average total loans | $66,902,500 | 3,947 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 2,173 |
| Cost of funding earning assets | 0.5340% | 3,151 |
| Net interest margin | 4.0506% | 1,824 |
| Noninterest income to average assets | 0.6005% | 2,288 |
| Noninterest expense to average assets | 3.2319% | 1,472 |
| Loan and lease loss provision to assets | 0.0056% | 4,004 |
| Net operating income to assets | 1.2457% | 1,992 |
| Return on assets (ROA) | 1.2504% | 1,967 |
| Pretax return on assets | 1.2504% | 2,692 |
| Return on Equity (ROE) | 10.6073% | 2,243 |
| Retained earnings to average equity (ytd only) | 1.1153% | 4,673 |
| Net charge-offs to loans | 0.0047% | 3,549 |
| Credit loss provision to net charge-offs | 200.0000% | 1,432 |
| Earnings coverage of net charge-offs (x) | 447.3333% | 235 |
| Efficiency ratio | 72.0882% | 1,882 |
| Assets per employee ($millions) | 3.2283% | 4,801 |
| Cash dividends to net income (ytd only)* | 89.4855% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 2,576 |
| Loan loss allowance to noncurrent loans | 78.3203% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 0.9612% | 1,420 |
| Noncurrent loans to loans | 1.5310% | 987 |
| Net loans and leases to total assets | 62.0300% | 3,562 |
| Net loans and leases to deposits | 72.1895% | 3,657 |
| Net loans and leases to core deposits | 73.3408% | 3,899 |
| Total domestic deposits to total assets | 85.9266% | 2,271 |
| Equity capital to assets | 11.9408% | 1,943 |
| Core capital (leverage) ratio | 12.2308% | 1,601 |
| Tier 1 risk-based capital ratio | 20.4763% | 1,229 |
| Total risk-based capital ratio | 21.7270% | 1,204 |
| Memoranda: | ||
| Average total assets | $107,245,000 | 3,981 |
| Average earning assets | $102,800,200 | 3,936 |
| Average equity | $12,642,200 | 3,939 |
| Average total loans | $63,785,600 | 4,007 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5324% | 2,180 |
| Cost of funding earning assets | 0.4931% | 3,242 |
| Net interest margin | 4.0393% | 1,825 |
| Noninterest income to average assets | 0.6181% | 2,223 |
| Noninterest expense to average assets | 3.2295% | 1,459 |
| Loan and lease loss provision to assets | 0.0037% | 3,900 |
| Net operating income to assets | 1.2586% | 2,004 |
| Return on assets (ROA) | 1.2586% | 2,012 |
| Pretax return on assets | 1.2586% | 2,780 |
| Return on Equity (ROE) | 10.7108% | 2,301 |
| Retained earnings to average equity (ytd only) | 1.2042% | 4,804 |
| Net charge-offs to loans | 0.0106% | 3,044 |
| Credit loss provision to net charge-offs | 60.0000% | 2,746 |
| Earnings coverage of net charge-offs (x) | 203.2939% | 436 |
| Efficiency ratio | 71.8983% | 1,896 |
| Assets per employee ($millions) | 2.9702% | 5,054 |
| Cash dividends to net income (ytd only)* | 88.7571% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 2,490 |
| Loan loss allowance to noncurrent loans | 90.9817% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.8674% | 1,699 |
| Noncurrent loans to loans | 1.3447% | 1,236 |
| Net loans and leases to total assets | 63.7197% | 3,460 |
| Net loans and leases to deposits | 74.5450% | 3,547 |
| Net loans and leases to core deposits | 75.9089% | 3,812 |
| Total domestic deposits to total assets | 85.4782% | 2,409 |
| Equity capital to assets | 12.3106% | 1,692 |
| Core capital (leverage) ratio | 12.3758% | 1,569 |
| Tier 1 risk-based capital ratio | 21.2676% | 1,145 |
| Total risk-based capital ratio | 22.5185% | 1,129 |
| Memoranda: | ||
| Average total assets | $107,422,750 | 4,022 |
| Average earning assets | $103,018,000 | 3,972 |
| Average equity | $12,622,500 | 3,969 |
| Average total loans | $63,010,750 | 4,068 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 2,368 |
| Cost of funding earning assets | 0.4789% | 3,166 |
| Net interest margin | 3.9355% | 2,087 |
| Noninterest income to average assets | 0.5914% | 2,370 |
| Noninterest expense to average assets | 3.0885% | 1,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2832% | 1,847 |
| Return on assets (ROA) | 1.2832% | 1,851 |
| Pretax return on assets | 1.2832% | 2,583 |
| Return on Equity (ROE) | 11.0831% | 2,075 |
| Retained earnings to average equity (ytd only) | 1.6238% | 4,601 |
| Net charge-offs to loans | 0.0161% | 2,603 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 140.6000% | 544 |
| Efficiency ratio | 70.6472% | 2,222 |
| Assets per employee ($millions) | 3.2339% | 4,898 |
| Cash dividends to net income (ytd only)* | 85.3485% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 2,334 |
| Loan loss allowance to noncurrent loans | 117.2821% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6344% | 2,322 |
| Noncurrent loans to loans | 1.0812% | 1,630 |
| Net loans and leases to total assets | 57.9288% | 3,997 |
| Net loans and leases to deposits | 67.2121% | 4,084 |
| Net loans and leases to core deposits | 70.5083% | 4,117 |
| Total domestic deposits to total assets | 86.1880% | 2,194 |
| Equity capital to assets | 11.7889% | 1,999 |
| Core capital (leverage) ratio | 11.8050% | 1,835 |
| Tier 1 risk-based capital ratio | 21.9128% | 1,043 |
| Total risk-based capital ratio | 23.1638% | 1,031 |
| Memoranda: | ||
| Average total assets | $109,568,330 | 4,025 |
| Average earning assets | $105,247,670 | 3,964 |
| Average equity | $12,686,000 | 3,982 |
| Average total loans | $62,299,330 | 4,110 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2952% | 2,537 |
| Cost of funding earning assets | 0.4610% | 3,119 |
| Net interest margin | 3.8342% | 2,283 |
| Noninterest income to average assets | 0.5262% | 2,651 |
| Noninterest expense to average assets | 3.0849% | 1,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1280% | 2,295 |
| Return on assets (ROA) | 1.1280% | 2,314 |
| Pretax return on assets | 1.1280% | 3,059 |
| Return on Equity (ROE) | 9.8285% | 2,523 |
| Retained earnings to average equity (ytd only) | 0.4082% | 4,743 |
| Net charge-offs to loans | -0.0129% | 4,356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2250% | 2,009 |
| Assets per employee ($millions) | 3.3785% | 4,814 |
| Cash dividends to net income (ytd only)* | 95.8466% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 2,266 |
| Loan loss allowance to noncurrent loans | 116.7638% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.6153% | 2,465 |
| Noncurrent loans to loans | 1.1094% | 1,652 |
| Net loans and leases to total assets | 54.7416% | 4,225 |
| Net loans and leases to deposits | 63.0203% | 4,272 |
| Net loans and leases to core deposits | 66.3089% | 4,289 |
| Total domestic deposits to total assets | 86.8635% | 2,180 |
| Equity capital to assets | 11.2601% | 2,338 |
| Core capital (leverage) ratio | 11.5840% | 1,949 |
| Tier 1 risk-based capital ratio | 21.5437% | 1,116 |
| Total risk-based capital ratio | 22.7956% | 1,094 |
| Memoranda: | ||
| Average total assets | $110,993,000 | 4,050 |
| Average earning assets | $106,725,000 | 3,974 |
| Average equity | $12,738,500 | 4,005 |
| Average total loans | $62,141,500 | 4,147 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 2,293 |
| Cost of funding earning assets | 0.4004% | 3,251 |
| Net interest margin | 3.9088% | 2,061 |
| Noninterest income to average assets | 0.5952% | 2,470 |
| Noninterest expense to average assets | 3.0567% | 1,986 |
| Loan and lease loss provision to assets | 0.0136% | 4,016 |
| Net operating income to assets | 1.2837% | 1,266 |
| Return on assets (ROA) | 1.2837% | 1,286 |
| Pretax return on assets | 1.2837% | 2,414 |
| Return on Equity (ROE) | 10.9124% | 1,519 |
| Retained earnings to average equity (ytd only) | 1.6711% | 4,301 |
| Net charge-offs to loans | -0.0129% | 4,856 |
| Credit loss provision to net charge-offs | -187.5000% | 4,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2039% | 2,516 |
| Assets per employee ($millions) | 3.4530% | 4,762 |
| Cash dividends to net income (ytd only)* | 84.6860% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 2,323 |
| Loan loss allowance to noncurrent loans | 92.9070% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.7892% | 1,977 |
| Noncurrent loans to loans | 1.3771% | 1,253 |
| Net loans and leases to total assets | 55.7953% | 4,208 |
| Net loans and leases to deposits | 64.8712% | 4,268 |
| Net loans and leases to core deposits | 68.3197% | 4,274 |
| Total domestic deposits to total assets | 86.0093% | 2,432 |
| Equity capital to assets | 11.6956% | 2,038 |
| Core capital (leverage) ratio | 11.4322% | 1,990 |
| Tier 1 risk-based capital ratio | 21.3267% | 1,090 |
| Total risk-based capital ratio | 22.5772% | 1,071 |
| Memoranda: | ||
| Average total assets | $110,380,400 | 4,056 |
| Average earning assets | $106,144,200 | 3,984 |
| Average equity | $12,985,200 | 3,984 |
| Average total loans | $62,190,000 | 4,147 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2891% | 2,296 |
| Cost of funding earning assets | 0.3895% | 3,292 |
| Net interest margin | 3.8996% | 2,046 |
| Noninterest income to average assets | 0.5763% | 2,599 |
| Noninterest expense to average assets | 3.0471% | 1,968 |
| Loan and lease loss provision to assets | 0.0181% | 3,783 |
| Net operating income to assets | 1.2614% | 1,465 |
| Return on assets (ROA) | 1.2614% | 1,495 |
| Pretax return on assets | 1.2614% | 2,663 |
| Return on Equity (ROE) | 10.7068% | 1,822 |
| Retained earnings to average equity (ytd only) | 1.4768% | 4,830 |
| Net charge-offs to loans | -0.0107% | 4,653 |
| Credit loss provision to net charge-offs | -300.0000% | 4,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4273% | 2,469 |
| Assets per employee ($millions) | 3.2968% | 4,975 |
| Cash dividends to net income (ytd only)* | 86.2066% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 2,488 |
| Loan loss allowance to noncurrent loans | 91.9169% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 0.8070% | 2,130 |
| Noncurrent loans to loans | 1.3867% | 1,349 |
| Net loans and leases to total assets | 56.6695% | 4,180 |
| Net loans and leases to deposits | 66.3071% | 4,229 |
| Net loans and leases to core deposits | 69.9085% | 4,246 |
| Total domestic deposits to total assets | 85.4652% | 2,530 |
| Equity capital to assets | 12.1293% | 1,882 |
| Core capital (leverage) ratio | 11.6667% | 1,911 |
| Tier 1 risk-based capital ratio | 21.5574% | 1,108 |
| Total risk-based capital ratio | 22.8085% | 1,087 |
| Memoranda: | ||
| Average total assets | $110,351,750 | 4,102 |
| Average earning assets | $106,126,500 | 4,023 |
| Average equity | $13,000,750 | 4,023 |
| Average total loans | $62,125,000 | 4,185 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 2,307 |
| Cost of funding earning assets | 0.3807% | 3,281 |
| Net interest margin | 3.8655% | 2,042 |
| Noninterest income to average assets | 0.5610% | 2,649 |
| Noninterest expense to average assets | 3.0360% | 2,028 |
| Loan and lease loss provision to assets | 0.0271% | 3,458 |
| Net operating income to assets | 1.2158% | 1,553 |
| Return on assets (ROA) | 1.2158% | 1,590 |
| Pretax return on assets | 1.2158% | 2,719 |
| Return on Equity (ROE) | 10.4208% | 1,875 |
| Retained earnings to average equity (ytd only) | 1.1441% | 4,780 |
| Net charge-offs to loans | -0.0419% | 5,094 |
| Credit loss provision to net charge-offs | -115.3846% | 4,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9528% | 2,518 |
| Assets per employee ($millions) | 3.4873% | 4,736 |
| Cash dividends to net income (ytd only)* | 89.0208% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 2,560 |
| Loan loss allowance to noncurrent loans | 86.5447% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.8486% | 2,087 |
| Noncurrent loans to loans | 1.4703% | 1,285 |
| Net loans and leases to total assets | 55.9014% | 4,237 |
| Net loans and leases to deposits | 65.0802% | 4,296 |
| Net loans and leases to core deposits | 68.4990% | 4,325 |
| Total domestic deposits to total assets | 85.8961% | 2,418 |
| Equity capital to assets | 11.8466% | 2,042 |
| Core capital (leverage) ratio | 11.4319% | 2,022 |
| Tier 1 risk-based capital ratio | 20.7447% | 1,233 |
| Total risk-based capital ratio | 21.9961% | 1,206 |
| Memoranda: | ||
| Average total assets | $110,871,000 | 4,117 |
| Average earning assets | $106,634,670 | 4,036 |
| Average equity | $12,935,670 | 4,044 |
| Average total loans | $62,017,000 | 4,202 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 2,099 |
| Cost of funding earning assets | 0.3685% | 3,333 |
| Net interest margin | 3.8808% | 1,850 |
| Noninterest income to average assets | 0.4561% | 3,282 |
| Noninterest expense to average assets | 3.0224% | 2,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1691% | 1,594 |
| Return on assets (ROA) | 1.1691% | 1,637 |
| Pretax return on assets | 1.1691% | 2,710 |
| Return on Equity (ROE) | 10.0989% | 1,925 |
| Retained earnings to average equity (ytd only) | 0.7191% | 4,744 |
| Net charge-offs to loans | -0.0846% | 5,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1071% | 2,556 |
| Assets per employee ($millions) | 3.4939% | 4,793 |
| Cash dividends to net income (ytd only)* | 92.8793% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,677 |
| Loan loss allowance to noncurrent loans | 64.2508% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.1252% | 1,577 |
| Noncurrent loans to loans | 1.9793% | 903 |
| Net loans and leases to total assets | 54.7851% | 4,269 |
| Net loans and leases to deposits | 63.5003% | 4,334 |
| Net loans and leases to core deposits | 66.9783% | 4,360 |
| Total domestic deposits to total assets | 86.2753% | 2,545 |
| Equity capital to assets | 11.5164% | 2,171 |
| Core capital (leverage) ratio | 11.4631% | 1,977 |
| Tier 1 risk-based capital ratio | 20.8791% | 1,233 |
| Total risk-based capital ratio | 22.1306% | 1,212 |
| Memoranda: | ||
| Average total assets | $110,510,000 | 4,166 |
| Average earning assets | $106,370,500 | 4,078 |
| Average equity | $12,793,500 | 4,088 |
| Average total loans | $61,432,500 | 4,262 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1476% | 2,668 |
| Cost of funding earning assets | 0.3233% | 3,811 |
| Net interest margin | 3.8244% | 2,233 |
| Noninterest income to average assets | 0.4020% | 3,872 |
| Noninterest expense to average assets | 2.8683% | 2,787 |
| Loan and lease loss provision to assets | 0.0236% | 3,893 |
| Net operating income to assets | 1.1706% | 1,605 |
| Return on assets (ROA) | 1.1896% | 1,635 |
| Pretax return on assets | 1.1896% | 2,721 |
| Return on Equity (ROE) | 9.8188% | 2,043 |
| Retained earnings to average equity (ytd only) | 0.8313% | 4,992 |
| Net charge-offs to loans | -0.0515% | 5,399 |
| Credit loss provision to net charge-offs | -86.6667% | 4,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6053% | 2,811 |
| Assets per employee ($millions) | 3.5230% | 4,728 |
| Cash dividends to net income (ytd only)* | 91.5332% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 2,670 |
| Loan loss allowance to noncurrent loans | 60.2017% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 1.2498% | 1,427 |
| Noncurrent loans to loans | 2.1193% | 825 |
| Net loans and leases to total assets | 54.9810% | 4,350 |
| Net loans and leases to deposits | 64.1494% | 4,406 |
| Net loans and leases to core deposits | 67.7754% | 4,415 |
| Total domestic deposits to total assets | 85.7079% | 2,726 |
| Equity capital to assets | 11.6386% | 2,053 |
| Core capital (leverage) ratio | 11.3432% | 2,043 |
| Tier 1 risk-based capital ratio | 20.9002% | 1,230 |
| Total risk-based capital ratio | 22.1502% | 1,206 |
| Memoranda: | ||
| Average total assets | $110,203,400 | 4,155 |
| Average earning assets | $105,481,600 | 4,090 |
| Average equity | $13,352,000 | 4,048 |
| Average total loans | $58,211,400 | 4,348 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 2,784 |
| Cost of funding earning assets | 0.3208% | 3,859 |
| Net interest margin | 3.8037% | 2,316 |
| Noninterest income to average assets | 0.3283% | 4,433 |
| Noninterest expense to average assets | 2.8730% | 2,732 |
| Loan and lease loss provision to assets | 0.0084% | 4,066 |
| Net operating income to assets | 1.0828% | 2,075 |
| Return on assets (ROA) | 1.1082% | 2,064 |
| Pretax return on assets | 1.1082% | 3,198 |
| Return on Equity (ROE) | 9.0582% | 2,456 |
| Retained earnings to average equity (ytd only) | 0.1776% | 5,297 |
| Net charge-offs to loans | -0.0672% | 5,455 |
| Credit loss provision to net charge-offs | -24.1379% | 4,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4726% | 2,500 |
| Assets per employee ($millions) | 3.2646% | 5,087 |
| Cash dividends to net income (ytd only)* | 98.0392% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,736 |
| Loan loss allowance to noncurrent loans | 61.2146% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.2262% | 1,615 |
| Noncurrent loans to loans | 2.1089% | 910 |
| Net loans and leases to total assets | 53.6558% | 4,522 |
| Net loans and leases to deposits | 63.5297% | 4,521 |
| Net loans and leases to core deposits | 65.6980% | 4,629 |
| Total domestic deposits to total assets | 84.4579% | 3,039 |
| Equity capital to assets | 12.7064% | 1,641 |
| Core capital (leverage) ratio | 11.7523% | 1,838 |
| Tier 1 risk-based capital ratio | 21.1685% | 1,239 |
| Total risk-based capital ratio | 22.4184% | 1,216 |
| Memoranda: | ||
| Average total assets | $110,450,750 | 4,183 |
| Average earning assets | $105,577,500 | 4,109 |
| Average equity | $13,512,250 | 4,056 |
| Average total loans | $57,558,500 | 4,392 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0804% | 2,941 |
| Cost of funding earning assets | 0.3386% | 3,710 |
| Net interest margin | 3.7418% | 2,545 |
| Noninterest income to average assets | 0.3987% | 3,877 |
| Noninterest expense to average assets | 2.8539% | 2,829 |
| Loan and lease loss provision to assets | -0.0216% | 5,790 |
| Net operating income to assets | 1.1387% | 1,813 |
| Return on assets (ROA) | 1.1764% | 1,777 |
| Pretax return on assets | 1.1764% | 2,875 |
| Return on Equity (ROE) | 9.7374% | 2,166 |
| Retained earnings to average equity (ytd only) | 0.8176% | 5,055 |
| Net charge-offs to loans | -0.0489% | 5,354 |
| Credit loss provision to net charge-offs | 85.7143% | 2,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8679% | 2,678 |
| Assets per employee ($millions) | 3.4032% | 4,920 |
| Cash dividends to net income (ytd only)* | 91.6031% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 3,160 |
| Loan loss allowance to noncurrent loans | 54.5729% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 1.7685% | 987 |
| Noncurrent loans to loans | 2.2622% | 815 |
| Net loans and leases to total assets | 53.0389% | 4,583 |
| Net loans and leases to deposits | 62.6489% | 4,601 |
| Net loans and leases to core deposits | 63.7032% | 4,764 |
| Total domestic deposits to total assets | 84.6607% | 3,019 |
| Equity capital to assets | 12.5699% | 1,728 |
| Core capital (leverage) ratio | 11.3831% | 2,077 |
| Tier 1 risk-based capital ratio | 20.2357% | 1,403 |
| Total risk-based capital ratio | 21.3998% | 1,397 |
| Memoranda: | ||
| Average total assets | $111,356,670 | 4,198 |
| Average earning assets | $106,313,000 | 4,127 |
| Average equity | $13,453,330 | 4,083 |
| Average total loans | $57,224,330 | 4,426 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 3,264 |
| Cost of funding earning assets | 0.3459% | 3,648 |
| Net interest margin | 3.6412% | 2,921 |
| Noninterest income to average assets | 0.5294% | 2,938 |
| Noninterest expense to average assets | 2.8779% | 2,784 |
| Loan and lease loss provision to assets | -0.1101% | 5,991 |
| Net operating income to assets | 1.2400% | 1,430 |
| Return on assets (ROA) | 1.2755% | 1,414 |
| Pretax return on assets | 1.2755% | 2,402 |
| Return on Equity (ROE) | 10.7683% | 1,687 |
| Retained earnings to average equity (ytd only) | 1.7697% | 4,559 |
| Net charge-offs to loans | -0.0071% | 4,399 |
| Credit loss provision to net charge-offs | 3,100.0000% | 131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8085% | 2,826 |
| Assets per employee ($millions) | 3.6084% | 4,637 |
| Cash dividends to net income (ytd only)* | 83.5655% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 3,398 |
| Loan loss allowance to noncurrent loans | 52.7120% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 1.8219% | 1,011 |
| Noncurrent loans to loans | 2.3030% | 871 |
| Net loans and leases to total assets | 50.1962% | 4,787 |
| Net loans and leases to deposits | 59.0121% | 4,778 |
| Net loans and leases to core deposits | 60.1197% | 4,929 |
| Total domestic deposits to total assets | 85.0609% | 3,108 |
| Equity capital to assets | 12.0685% | 1,979 |
| Core capital (leverage) ratio | 11.3279% | 2,117 |
| Tier 1 risk-based capital ratio | 20.3732% | 1,427 |
| Total risk-based capital ratio | 21.4929% | 1,427 |
| Memoranda: | ||
| Average total assets | $112,583,500 | 4,213 |
| Average earning assets | $107,547,000 | 4,137 |
| Average equity | $13,335,500 | 4,110 |
| Average total loans | $56,595,000 | 4,485 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0699% | 3,031 |
| Cost of funding earning assets | 0.3778% | 3,393 |
| Net interest margin | 3.6921% | 2,778 |
| Noninterest income to average assets | 0.4484% | 3,685 |
| Noninterest expense to average assets | 2.7952% | 3,250 |
| Loan and lease loss provision to assets | 0.0198% | 4,005 |
| Net operating income to assets | 1.1423% | 1,756 |
| Return on assets (ROA) | 1.1630% | 1,765 |
| Pretax return on assets | 1.1630% | 2,799 |
| Return on Equity (ROE) | 9.7264% | 2,118 |
| Retained earnings to average equity (ytd only) | 0.6716% | 5,243 |
| Net charge-offs to loans | 0.0616% | 2,994 |
| Credit loss provision to net charge-offs | 64.7059% | 3,198 |
| Earnings coverage of net charge-offs (x) | 37.8824% | 1,226 |
| Efficiency ratio | 70.6338% | 3,120 |
| Assets per employee ($millions) | 3.6550% | 4,558 |
| Cash dividends to net income (ytd only)* | 93.0954% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 3,023 |
| Loan loss allowance to noncurrent loans | 53.2544% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 1.8534% | 1,008 |
| Noncurrent loans to loans | 2.3993% | 789 |
| Net loans and leases to total assets | 49.0971% | 4,937 |
| Net loans and leases to deposits | 57.6172% | 4,937 |
| Net loans and leases to core deposits | 58.6821% | 5,069 |
| Total domestic deposits to total assets | 85.2126% | 2,998 |
| Equity capital to assets | 11.6243% | 2,256 |
| Core capital (leverage) ratio | 11.2102% | 2,208 |
| Tier 1 risk-based capital ratio | 20.3260% | 1,421 |
| Total risk-based capital ratio | 21.4971% | 1,414 |
| Memoranda: | ||
| Average total assets | $110,833,200 | 4,244 |
| Average earning assets | $105,333,400 | 4,158 |
| Average equity | $13,252,600 | 4,084 |
| Average total loans | $55,175,200 | 4,524 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0993% | 2,936 |
| Cost of funding earning assets | 0.3875% | 3,358 |
| Net interest margin | 3.7118% | 2,715 |
| Noninterest income to average assets | 0.5008% | 3,355 |
| Noninterest expense to average assets | 2.7799% | 3,274 |
| Loan and lease loss provision to assets | 0.0581% | 3,027 |
| Net operating income to assets | 1.1855% | 1,695 |
| Return on assets (ROA) | 1.2134% | 1,669 |
| Pretax return on assets | 1.2134% | 2,763 |
| Return on Equity (ROE) | 10.0753% | 2,074 |
| Retained earnings to average equity (ytd only) | 1.0347% | 5,304 |
| Net charge-offs to loans | 0.0607% | 2,730 |
| Credit loss provision to net charge-offs | 192.0000% | 1,381 |
| Earnings coverage of net charge-offs (x) | 41.1230% | 1,217 |
| Efficiency ratio | 69.0920% | 3,356 |
| Assets per employee ($millions) | 3.4788% | 4,829 |
| Cash dividends to net income (ytd only)* | 89.7308% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 2,600 |
| Loan loss allowance to noncurrent loans | 47.5142% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 2.4962% | 697 |
| Noncurrent loans to loans | 2.9471% | 608 |
| Net loans and leases to total assets | 49.2967% | 4,985 |
| Net loans and leases to deposits | 58.4594% | 4,957 |
| Net loans and leases to core deposits | 59.7915% | 5,080 |
| Total domestic deposits to total assets | 84.3263% | 3,294 |
| Equity capital to assets | 12.3531% | 1,828 |
| Core capital (leverage) ratio | 11.4783% | 2,055 |
| Tier 1 risk-based capital ratio | 21.3896% | 1,278 |
| Total risk-based capital ratio | 22.6394% | 1,259 |
| Memoranda: | ||
| Average total assets | $110,215,000 | 4,302 |
| Average earning assets | $104,601,000 | 4,225 |
| Average equity | $13,273,000 | 4,126 |
| Average total loans | $54,881,500 | 4,580 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1212% | 2,823 |
| Cost of funding earning assets | 0.3964% | 3,315 |
| Net interest margin | 3.7248% | 2,602 |
| Noninterest income to average assets | 0.5243% | 3,204 |
| Noninterest expense to average assets | 2.7080% | 3,570 |
| Loan and lease loss provision to assets | 0.0865% | 2,379 |
| Net operating income to assets | 1.2684% | 1,404 |
| Return on assets (ROA) | 1.3098% | 1,351 |
| Pretax return on assets | 1.3098% | 2,325 |
| Return on Equity (ROE) | 10.9681% | 1,690 |
| Retained earnings to average equity (ytd only) | 1.9160% | 4,740 |
| Net charge-offs to loans | 0.1812% | 1,371 |
| Credit loss provision to net charge-offs | 96.0000% | 2,130 |
| Earnings coverage of net charge-offs (x) | 15.0400% | 2,006 |
| Efficiency ratio | 66.6519% | 3,888 |
| Assets per employee ($millions) | 3.4299% | 4,934 |
| Cash dividends to net income (ytd only)* | 82.5309% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 2,993 |
| Loan loss allowance to noncurrent loans | 36.7019% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 2.5074% | 752 |
| Noncurrent loans to loans | 3.6759% | 465 |
| Net loans and leases to total assets | 48.6338% | 5,042 |
| Net loans and leases to deposits | 57.3136% | 5,040 |
| Net loans and leases to core deposits | 59.4547% | 5,105 |
| Total domestic deposits to total assets | 84.8556% | 3,190 |
| Equity capital to assets | 11.8817% | 2,119 |
| Core capital (leverage) ratio | 11.2222% | 2,226 |
| Tier 1 risk-based capital ratio | 21.2679% | 1,313 |
| Total risk-based capital ratio | 22.5065% | 1,292 |
| Memoranda: | ||
| Average total assets | $111,005,670 | 4,321 |
| Average earning assets | $105,455,000 | 4,231 |
| Average equity | $13,256,670 | 4,156 |
| Average total loans | $55,202,670 | 4,609 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 2,344 |
| Cost of funding earning assets | 0.4039% | 3,262 |
| Net interest margin | 3.8274% | 2,140 |
| Noninterest income to average assets | 0.4981% | 3,297 |
| Noninterest expense to average assets | 2.6767% | 3,670 |
| Loan and lease loss provision to assets | 0.0860% | 2,256 |
| Net operating income to assets | 1.3688% | 1,095 |
| Return on assets (ROA) | 1.3688% | 1,156 |
| Pretax return on assets | 1.3688% | 2,001 |
| Return on Equity (ROE) | 11.4333% | 1,507 |
| Retained earnings to average equity (ytd only) | 2.4543% | 4,461 |
| Net charge-offs to loans | 0.2942% | 812 |
| Credit loss provision to net charge-offs | 58.5366% | 2,020 |
| Earnings coverage of net charge-offs (x) | 9.9024% | 1,975 |
| Efficiency ratio | 64.7875% | 4,348 |
| Assets per employee ($millions) | 3.3950% | 5,088 |
| Cash dividends to net income (ytd only)* | 78.5340% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 3,539 |
| Loan loss allowance to noncurrent loans | 37.1429% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 2.6581% | 773 |
| Noncurrent loans to loans | 3.4369% | 563 |
| Net loans and leases to total assets | 49.3547% | 4,909 |
| Net loans and leases to deposits | 58.3061% | 4,891 |
| Net loans and leases to core deposits | 60.4722% | 4,957 |
| Total domestic deposits to total assets | 84.6475% | 3,561 |
| Equity capital to assets | 12.0687% | 1,982 |
| Core capital (leverage) ratio | 11.2688% | 2,176 |
| Tier 1 risk-based capital ratio | 20.6116% | 1,501 |
| Total risk-based capital ratio | 21.7917% | 1,485 |
| Memoranda: | ||
| Average total assets | $111,630,000 | 4,336 |
| Average earning assets | $105,973,500 | 4,251 |
| Average equity | $13,364,500 | 4,177 |
| Average total loans | $55,749,500 | 4,617 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1371% | 3,176 |
| Cost of funding earning assets | 0.4816% | 2,864 |
| Net interest margin | 3.6556% | 3,196 |
| Noninterest income to average assets | 0.4893% | 3,592 |
| Noninterest expense to average assets | 2.7770% | 3,572 |
| Loan and lease loss provision to assets | -0.0923% | 6,131 |
| Net operating income to assets | 1.2666% | 1,382 |
| Return on assets (ROA) | 1.3746% | 1,175 |
| Pretax return on assets | 1.3746% | 1,980 |
| Return on Equity (ROE) | 11.5451% | 1,541 |
| Retained earnings to average equity (ytd only) | 1.8531% | 4,877 |
| Net charge-offs to loans | 0.2642% | 1,636 |
| Credit loss provision to net charge-offs | -67.5676% | 5,455 |
| Earnings coverage of net charge-offs (x) | 8.5946% | 2,855 |
| Efficiency ratio | 70.2804% | 3,485 |
| Assets per employee ($millions) | 3.4758% | 4,939 |
| Cash dividends to net income (ytd only)* | 83.9490% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 3,323 |
| Loan loss allowance to noncurrent loans | 30.9645% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 3.0505% | 650 |
| Noncurrent loans to loans | 4.2602% | 407 |
| Net loans and leases to total assets | 49.2313% | 5,041 |
| Net loans and leases to deposits | 58.3103% | 5,046 |
| Net loans and leases to core deposits | 60.4961% | 5,102 |
| Total domestic deposits to total assets | 84.4299% | 3,546 |
| Equity capital to assets | 11.8749% | 2,108 |
| Core capital (leverage) ratio | 11.1898% | 2,225 |
| Tier 1 risk-based capital ratio | 21.2521% | 1,351 |
| Total risk-based capital ratio | 22.5021% | 1,326 |
| Memoranda: | ||
| Average total assets | $108,318,600 | 4,409 |
| Average earning assets | $102,582,800 | 4,337 |
| Average equity | $12,897,200 | 4,209 |
| Average total loans | $56,014,000 | 4,611 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2017% | 2,984 |
| Cost of funding earning assets | 0.4975% | 2,792 |
| Net interest margin | 3.7042% | 3,006 |
| Noninterest income to average assets | 0.4771% | 3,708 |
| Noninterest expense to average assets | 2.7325% | 3,701 |
| Loan and lease loss provision to assets | -0.1239% | 6,314 |
| Net operating income to assets | 1.3743% | 1,186 |
| Return on assets (ROA) | 1.5193% | 937 |
| Pretax return on assets | 1.5193% | 1,585 |
| Return on Equity (ROE) | 12.7511% | 1,281 |
| Retained earnings to average equity (ytd only) | 3.9106% | 3,865 |
| Net charge-offs to loans | -0.1876% | 6,296 |
| Credit loss provision to net charge-offs | 126.5823% | 1,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6061% | 3,745 |
| Assets per employee ($millions) | 3.4893% | 4,882 |
| Cash dividends to net income (ytd only)* | 69.3313% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7345% | 1,872 |
| Loan loss allowance to noncurrent loans | 35.0000% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 3.6932% | 561 |
| Noncurrent loans to loans | 4.9557% | 375 |
| Net loans and leases to total assets | 51.9025% | 4,817 |
| Net loans and leases to deposits | 62.2341% | 4,717 |
| Net loans and leases to core deposits | 64.7700% | 4,819 |
| Total domestic deposits to total assets | 83.3988% | 3,997 |
| Equity capital to assets | 12.5918% | 1,642 |
| Core capital (leverage) ratio | 11.9327% | 1,735 |
| Tier 1 risk-based capital ratio | 22.5572% | 1,178 |
| Total risk-based capital ratio | 23.8101% | 1,162 |
| Memoranda: | ||
| Average total assets | $107,591,750 | 4,466 |
| Average earning assets | $101,829,250 | 4,393 |
| Average equity | $12,819,500 | 4,253 |
| Average total loans | $56,145,000 | 4,655 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2318% | 2,838 |
| Cost of funding earning assets | 0.5119% | 2,708 |
| Net interest margin | 3.7199% | 2,879 |
| Noninterest income to average assets | 0.4514% | 3,862 |
| Noninterest expense to average assets | 2.6897% | 3,905 |
| Loan and lease loss provision to assets | -0.1842% | 6,458 |
| Net operating income to assets | 1.4664% | 936 |
| Return on assets (ROA) | 1.6378% | 686 |
| Pretax return on assets | 1.6378% | 1,166 |
| Return on Equity (ROE) | 14.0011% | 954 |
| Retained earnings to average equity (ytd only) | 6.1265% | 2,246 |
| Net charge-offs to loans | -0.2977% | 6,430 |
| Credit loss provision to net charge-offs | 119.0476% | 1,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7180% | 4,058 |
| Assets per employee ($millions) | 3.4342% | 4,986 |
| Cash dividends to net income (ytd only)* | 56.2430% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7229% | 2,066 |
| Loan loss allowance to noncurrent loans | 34.0636% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 3.7234% | 604 |
| Noncurrent loans to loans | 5.0579% | 391 |
| Net loans and leases to total assets | 51.6508% | 4,780 |
| Net loans and leases to deposits | 61.6734% | 4,724 |
| Net loans and leases to core deposits | 64.1289% | 4,815 |
| Total domestic deposits to total assets | 83.7490% | 4,015 |
| Equity capital to assets | 12.3285% | 1,756 |
| Core capital (leverage) ratio | 11.5375% | 1,967 |
| Tier 1 risk-based capital ratio | 22.0420% | 1,254 |
| Total risk-based capital ratio | 23.2967% | 1,231 |
| Memoranda: | ||
| Average total assets | $108,562,670 | 4,477 |
| Average earning assets | $102,746,000 | 4,397 |
| Average equity | $12,699,000 | 4,284 |
| Average total loans | $56,430,000 | 4,675 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 3,668 |
| Cost of funding earning assets | 0.5289% | 2,618 |
| Net interest margin | 3.4747% | 3,806 |
| Noninterest income to average assets | 0.5802% | 2,858 |
| Noninterest expense to average assets | 2.5508% | 4,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3137% | 1,179 |
| Return on assets (ROA) | 1.6567% | 640 |
| Pretax return on assets | 1.6567% | 1,059 |
| Return on Equity (ROE) | 14.5443% | 852 |
| Retained earnings to average equity (ytd only) | 6.5353% | 2,261 |
| Net charge-offs to loans | -0.0353% | 5,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0057% | 4,524 |
| Assets per employee ($millions) | 3.6312% | 4,658 |
| Cash dividends to net income (ytd only)* | 55.0661% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7621% | 2,148 |
| Loan loss allowance to noncurrent loans | 31.1512% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 4.1309% | 556 |
| Noncurrent loans to loans | 5.6566% | 346 |
| Net loans and leases to total assets | 50.4099% | 4,864 |
| Net loans and leases to deposits | 59.7287% | 4,792 |
| Net loans and leases to core deposits | 62.0280% | 4,880 |
| Total domestic deposits to total assets | 84.3980% | 4,125 |
| Equity capital to assets | 11.6161% | 2,158 |
| Core capital (leverage) ratio | 11.2484% | 2,175 |
| Tier 1 risk-based capital ratio | 21.5136% | 1,370 |
| Total risk-based capital ratio | 22.7689% | 1,346 |
| Memoranda: | ||
| Average total assets | $109,613,500 | 4,492 |
| Average earning assets | $103,605,500 | 4,407 |
| Average equity | $12,486,000 | 4,351 |
| Average total loans | $56,669,000 | 4,702 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 3,758 |
| Cost of funding earning assets | 0.6365% | 2,330 |
| Net interest margin | 3.4591% | 4,061 |
| Noninterest income to average assets | 0.4209% | 4,291 |
| Noninterest expense to average assets | 2.4073% | 5,050 |
| Loan and lease loss provision to assets | 0.2981% | 1,135 |
| Net operating income to assets | 0.9078% | 2,736 |
| Return on assets (ROA) | 0.9914% | 2,434 |
| Pretax return on assets | 0.9914% | 3,384 |
| Return on Equity (ROE) | 8.6920% | 2,704 |
| Retained earnings to average equity (ytd only) | 2.0599% | 4,774 |
| Net charge-offs to loans | 0.8788% | 699 |
| Credit loss provision to net charge-offs | 65.4297% | 3,421 |
| Earnings coverage of net charge-offs (x) | 2.6465% | 4,111 |
| Efficiency ratio | 66.6256% | 4,449 |
| Assets per employee ($millions) | 3.4466% | 4,998 |
| Cash dividends to net income (ytd only)* | 76.3016% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7062% | 2,383 |
| Loan loss allowance to noncurrent loans | 28.4801% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 4.2895% | 594 |
| Noncurrent loans to loans | 5.9907% | 346 |
| Net loans and leases to total assets | 51.1905% | 4,953 |
| Net loans and leases to deposits | 60.5569% | 4,887 |
| Net loans and leases to core deposits | 63.0278% | 4,967 |
| Total domestic deposits to total assets | 84.5329% | 3,950 |
| Equity capital to assets | 11.1685% | 2,463 |
| Core capital (leverage) ratio | 10.8896% | 2,488 |
| Tier 1 risk-based capital ratio | 20.7100% | 1,487 |
| Total risk-based capital ratio | 21.9660% | 1,457 |
| Memoranda: | ||
| Average total assets | $112,365,400 | 4,449 |
| Average earning assets | $103,698,400 | 4,416 |
| Average equity | $12,816,400 | 4,297 |
| Average total loans | $58,264,000 | 4,676 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 3,731 |
| Cost of funding earning assets | 0.6602% | 2,263 |
| Net interest margin | 3.4465% | 4,099 |
| Noninterest income to average assets | 0.3602% | 4,816 |
| Noninterest expense to average assets | 2.2465% | 5,487 |
| Loan and lease loss provision to assets | 0.3957% | 773 |
| Net operating income to assets | 0.8811% | 2,927 |
| Return on assets (ROA) | 0.9921% | 2,501 |
| Pretax return on assets | 0.9921% | 3,531 |
| Return on Equity (ROE) | 8.6544% | 2,806 |
| Retained earnings to average equity (ytd only) | 2.4727% | 4,844 |
| Net charge-offs to loans | 1.0170% | 558 |
| Credit loss provision to net charge-offs | 75.1121% | 2,963 |
| Earnings coverage of net charge-offs (x) | 2.4238% | 4,022 |
| Efficiency ratio | 63.7613% | 4,842 |
| Assets per employee ($millions) | 3.3703% | 5,129 |
| Cash dividends to net income (ytd only)* | 71.4287% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7856% | 2,348 |
| Loan loss allowance to noncurrent loans | 28.7126% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 4.5991% | 642 |
| Noncurrent loans to loans | 6.2190% | 386 |
| Net loans and leases to total assets | 53.3464% | 4,702 |
| Net loans and leases to deposits | 63.6723% | 4,550 |
| Net loans and leases to core deposits | 66.3511% | 4,678 |
| Total domestic deposits to total assets | 83.7827% | 4,287 |
| Equity capital to assets | 11.5644% | 2,251 |
| Core capital (leverage) ratio | 11.1299% | 2,357 |
| Tier 1 risk-based capital ratio | 21.1700% | 1,465 |
| Total risk-based capital ratio | 22.4269% | 1,431 |
| Memoranda: | ||
| Average total assets | $112,883,750 | 4,489 |
| Average earning assets | $103,600,250 | 4,456 |
| Average equity | $12,941,000 | 4,319 |
| Average total loans | $58,470,250 | 4,703 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,931 |
| Cost of funding earning assets | 0.6867% | 2,163 |
| Net interest margin | 3.3606% | 4,342 |
| Noninterest income to average assets | 0.2147% | 5,905 |
| Noninterest expense to average assets | 2.2154% | 5,593 |
| Loan and lease loss provision to assets | 0.4103% | 748 |
| Net operating income to assets | 0.6564% | 4,034 |
| Return on assets (ROA) | 0.8170% | 3,367 |
| Pretax return on assets | 0.8170% | 4,247 |
| Return on Equity (ROE) | 7.1465% | 3,518 |
| Retained earnings to average equity (ytd only) | 1.0384% | 5,489 |
| Net charge-offs to loans | 1.0850% | 555 |
| Credit loss provision to net charge-offs | 74.1325% | 2,740 |
| Earnings coverage of net charge-offs (x) | 1.9274% | 3,877 |
| Efficiency ratio | 67.5000% | 4,263 |
| Assets per employee ($millions) | 3.7087% | 4,383 |
| Cash dividends to net income (ytd only)* | 85.4701% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8584% | 2,233 |
| Loan loss allowance to noncurrent loans | 28.9601% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 4.5604% | 716 |
| Noncurrent loans to loans | 6.4171% | 412 |
| Net loans and leases to total assets | 51.0242% | 4,994 |
| Net loans and leases to deposits | 60.7010% | 4,894 |
| Net loans and leases to core deposits | 63.3389% | 4,967 |
| Total domestic deposits to total assets | 84.0582% | 4,290 |
| Equity capital to assets | 11.1908% | 2,557 |
| Core capital (leverage) ratio | 10.6420% | 2,726 |
| Tier 1 risk-based capital ratio | 20.8760% | 1,519 |
| Total risk-based capital ratio | 22.1334% | 1,493 |
| Memoranda: | ||
| Average total assets | $114,562,330 | 4,473 |
| Average earning assets | $104,563,330 | 4,466 |
| Average equity | $13,097,330 | 4,327 |
| Average total loans | $58,434,000 | 4,727 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1139% | 3,666 |
| Cost of funding earning assets | 0.7338% | 1,971 |
| Net interest margin | 3.3801% | 4,193 |
| Noninterest income to average assets | 0.6849% | 2,675 |
| Noninterest expense to average assets | 2.2614% | 5,531 |
| Loan and lease loss provision to assets | 0.4991% | 541 |
| Net operating income to assets | 0.9844% | 2,294 |
| Return on assets (ROA) | 0.9844% | 2,417 |
| Pretax return on assets | 0.9844% | 3,425 |
| Return on Equity (ROE) | 8.5243% | 2,704 |
| Retained earnings to average equity (ytd only) | 2.5632% | 4,741 |
| Net charge-offs to loans | 2.0705% | 222 |
| Credit loss provision to net charge-offs | 47.6974% | 2,636 |
| Earnings coverage of net charge-offs (x) | 1.4178% | 3,360 |
| Efficiency ratio | 60.3860% | 5,534 |
| Assets per employee ($millions) | 3.8792% | 4,193 |
| Cash dividends to net income (ytd only)* | 69.9301% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7251% | 2,901 |
| Loan loss allowance to noncurrent loans | 30.3251% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 5.5252% | 624 |
| Noncurrent loans to loans | 5.6888% | 614 |
| Net loans and leases to total assets | 48.8529% | 5,132 |
| Net loans and leases to deposits | 58.4084% | 4,985 |
| Net loans and leases to core deposits | 61.3083% | 5,014 |
| Total domestic deposits to total assets | 83.6401% | 4,614 |
| Equity capital to assets | 11.5221% | 2,392 |
| Core capital (leverage) ratio | 10.4604% | 2,832 |
| Tier 1 risk-based capital ratio | 20.1339% | 1,733 |
| Total risk-based capital ratio | 21.3886% | 1,705 |
| Memoranda: | ||
| Average total assets | $116,213,000 | 4,479 |
| Average earning assets | $105,203,500 | 4,490 |
| Average equity | $13,420,500 | 4,303 |
| Average total loans | $58,728,500 | 4,748 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 3,020 |
| Cost of funding earning assets | 0.9115% | 1,876 |
| Net interest margin | 3.6843% | 3,720 |
| Noninterest income to average assets | 0.7450% | 2,520 |
| Noninterest expense to average assets | 2.4694% | 5,195 |
| Loan and lease loss provision to assets | 1.1019% | 344 |
| Net operating income to assets | 0.5143% | 4,622 |
| Return on assets (ROA) | 0.5143% | 4,891 |
| Pretax return on assets | 0.5143% | 5,235 |
| Return on Equity (ROE) | 4.3107% | 5,017 |
| Retained earnings to average equity (ytd only) | 0.1874% | 5,752 |
| Net charge-offs to loans | 2.0787% | 347 |
| Credit loss provision to net charge-offs | 93.4750% | 3,331 |
| Earnings coverage of net charge-offs (x) | 1.3710% | 4,770 |
| Efficiency ratio | 60.4422% | 5,480 |
| Assets per employee ($millions) | 4.0017% | 3,944 |
| Cash dividends to net income (ytd only)* | 95.6522% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9411% | 2,171 |
| Loan loss allowance to noncurrent loans | 31.5001% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 5.8406% | 601 |
| Noncurrent loans to loans | 6.1621% | 574 |
| Net loans and leases to total assets | 50.3654% | 5,118 |
| Net loans and leases to deposits | 60.5965% | 4,959 |
| Net loans and leases to core deposits | 63.7888% | 4,981 |
| Total domestic deposits to total assets | 83.1159% | 4,669 |
| Equity capital to assets | 11.5743% | 2,369 |
| Core capital (leverage) ratio | 10.4781% | 2,796 |
| Tier 1 risk-based capital ratio | 19.3280% | 1,862 |
| Total risk-based capital ratio | 20.5851% | 1,833 |
| Memoranda: | ||
| Average total assets | $111,810,600 | 4,550 |
| Average earning assets | $101,375,200 | 4,564 |
| Average equity | $13,339,000 | 4,288 |
| Average total loans | $63,405,200 | 4,585 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6594% | 2,970 |
| Cost of funding earning assets | 0.9377% | 1,937 |
| Net interest margin | 3.7217% | 3,696 |
| Noninterest income to average assets | 0.7693% | 2,385 |
| Noninterest expense to average assets | 2.6810% | 4,451 |
| Loan and lease loss provision to assets | 0.8030% | 585 |
| Net operating income to assets | 0.6633% | 4,076 |
| Return on assets (ROA) | 0.6633% | 4,342 |
| Pretax return on assets | 0.6633% | 4,973 |
| Return on Equity (ROE) | 5.5172% | 4,589 |
| Retained earnings to average equity (ytd only) | 0.0100% | 6,069 |
| Net charge-offs to loans | 2.1257% | 321 |
| Credit loss provision to net charge-offs | 65.0097% | 4,026 |
| Earnings coverage of net charge-offs (x) | 1.1871% | 4,705 |
| Efficiency ratio | 64.6444% | 4,689 |
| Assets per employee ($millions) | 3.9489% | 3,977 |
| Cash dividends to net income (ytd only)* | 99.8190% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 4,346 |
| Loan loss allowance to noncurrent loans | 21.0376% | 6,469 |
| Noncurrent assets plus other real estate owned to assets | 7.3121% | 472 |
| Noncurrent loans to loans | 6.6888% | 560 |
| Net loans and leases to total assets | 56.0161% | 4,450 |
| Net loans and leases to deposits | 68.5250% | 4,092 |
| Net loans and leases to core deposits | 72.3817% | 4,202 |
| Total domestic deposits to total assets | 81.7455% | 5,105 |
| Equity capital to assets | 12.2692% | 2,065 |
| Core capital (leverage) ratio | 10.7965% | 2,605 |
| Tier 1 risk-based capital ratio | 18.5413% | 2,151 |
| Total risk-based capital ratio | 19.7934% | 2,115 |
| Memoranda: | ||
| Average total assets | $110,750,750 | 4,620 |
| Average earning assets | $100,526,000 | 4,632 |
| Average equity | $13,315,750 | 4,340 |
| Average total loans | $64,355,000 | 4,614 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6615% | 3,087 |
| Cost of funding earning assets | 0.9677% | 1,946 |
| Net interest margin | 3.6938% | 3,854 |
| Noninterest income to average assets | 0.7635% | 2,358 |
| Noninterest expense to average assets | 2.6712% | 4,531 |
| Loan and lease loss provision to assets | 0.6317% | 924 |
| Net operating income to assets | 0.8158% | 3,326 |
| Return on assets (ROA) | 0.8158% | 3,581 |
| Pretax return on assets | 0.8158% | 4,420 |
| Return on Equity (ROE) | 6.8318% | 3,867 |
| Retained earnings to average equity (ytd only) | 1.5417% | 5,437 |
| Net charge-offs to loans | 2.1305% | 369 |
| Credit loss provision to net charge-offs | 50.6512% | 4,024 |
| Earnings coverage of net charge-offs (x) | 1.1606% | 4,434 |
| Efficiency ratio | 64.8554% | 4,742 |
| Assets per employee ($millions) | 3.9900% | 3,897 |
| Cash dividends to net income (ytd only)* | 77.4336% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 4,319 |
| Loan loss allowance to noncurrent loans | 18.5941% | 6,558 |
| Noncurrent assets plus other real estate owned to assets | 7.6325% | 470 |
| Noncurrent loans to loans | 7.7170% | 457 |
| Net loans and leases to total assets | 55.4597% | 4,551 |
| Net loans and leases to deposits | 67.8141% | 4,233 |
| Net loans and leases to core deposits | 71.5784% | 4,341 |
| Total domestic deposits to total assets | 81.7820% | 5,205 |
| Equity capital to assets | 12.0758% | 2,094 |
| Core capital (leverage) ratio | 10.7947% | 2,486 |
| Tier 1 risk-based capital ratio | 18.5899% | 2,108 |
| Total risk-based capital ratio | 19.8421% | 2,063 |
| Memoranda: | ||
| Average total assets | $110,811,000 | 4,645 |
| Average earning assets | $100,655,000 | 4,653 |
| Average equity | $13,232,330 | 4,352 |
| Average total loans | $64,866,330 | 4,611 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7427% | 2,871 |
| Cost of funding earning assets | 0.9924% | 2,027 |
| Net interest margin | 3.7503% | 3,595 |
| Noninterest income to average assets | 0.8155% | 2,086 |
| Noninterest expense to average assets | 2.4865% | 5,189 |
| Loan and lease loss provision to assets | 0.7974% | 620 |
| Net operating income to assets | 0.9424% | 2,731 |
| Return on assets (ROA) | 0.9424% | 2,941 |
| Pretax return on assets | 0.9424% | 3,895 |
| Return on Equity (ROE) | 7.9371% | 3,312 |
| Retained earnings to average equity (ytd only) | -2.7475% | 6,369 |
| Net charge-offs to loans | 1.5910% | 621 |
| Credit loss provision to net charge-offs | 83.9695% | 2,664 |
| Earnings coverage of net charge-offs (x) | 1.8321% | 3,422 |
| Efficiency ratio | 58.8336% | 5,794 |
| Assets per employee ($millions) | 4.0999% | 3,800 |
| Cash dividends to net income (ytd only)* | 134.6154% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8351% | 2,881 |
| Loan loss allowance to noncurrent loans | 20.6748% | 6,545 |
| Noncurrent assets plus other real estate owned to assets | 7.6813% | 519 |
| Noncurrent loans to loans | 8.8760% | 396 |
| Net loans and leases to total assets | 58.0363% | 4,028 |
| Net loans and leases to deposits | 70.9733% | 3,595 |
| Net loans and leases to core deposits | 74.9414% | 3,754 |
| Total domestic deposits to total assets | 81.7720% | 5,367 |
| Equity capital to assets | 11.7518% | 2,216 |
| Core capital (leverage) ratio | 10.8427% | 2,396 |
| Tier 1 risk-based capital ratio | 18.0877% | 2,253 |
| Total risk-based capital ratio | 19.3445% | 2,225 |
| Memoranda: | ||
| Average total assets | $110,357,000 | 4,699 |
| Average earning assets | $100,365,000 | 4,691 |
| Average equity | $13,103,000 | 4,388 |
| Average total loans | $65,869,000 | 4,594 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4511% | 1,291 |
| Cost of funding earning assets | 1.1498% | 2,354 |
| Net interest margin | 4.3013% | 1,692 |
| Noninterest income to average assets | 0.8083% | 2,015 |
| Noninterest expense to average assets | 2.6219% | 5,009 |
| Loan and lease loss provision to assets | 0.5229% | 2,008 |
| Net operating income to assets | 1.5931% | 671 |
| Return on assets (ROA) | 1.5941% | 732 |
| Pretax return on assets | 1.5941% | 1,218 |
| Return on Equity (ROE) | 13.2689% | 1,101 |
| Retained earnings to average equity (ytd only) | 0.7215% | 5,512 |
| Net charge-offs to loans | 1.1188% | 1,536 |
| Credit loss provision to net charge-offs | 70.8812% | 4,814 |
| Earnings coverage of net charge-offs (x) | 2.8685% | 3,776 |
| Efficiency ratio | 55.3390% | 6,385 |
| Assets per employee ($millions) | 3.9291% | 4,010 |
| Cash dividends to net income (ytd only)* | 94.5626% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8750% | 2,646 |
| Loan loss allowance to noncurrent loans | 26.3963% | 6,382 |
| Noncurrent assets plus other real estate owned to assets | 6.4818% | 726 |
| Noncurrent loans to loans | 7.1034% | 621 |
| Net loans and leases to total assets | 59.1269% | 4,173 |
| Net loans and leases to deposits | 73.0100% | 3,661 |
| Net loans and leases to core deposits | 77.1491% | 3,804 |
| Total domestic deposits to total assets | 80.9846% | 5,452 |
| Equity capital to assets | 11.9955% | 2,130 |
| Core capital (leverage) ratio | 11.0130% | 2,259 |
| Tier 1 risk-based capital ratio | 18.1087% | 2,154 |
| Total risk-based capital ratio | 19.3667% | 2,126 |
| Memoranda: | ||
| Average total assets | $106,143,400 | 4,727 |
| Average earning assets | $96,971,800 | 4,713 |
| Average equity | $12,751,600 | 4,381 |
| Average total loans | $69,982,600 | 4,493 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5785% | 1,083 |
| Cost of funding earning assets | 1.1859% | 2,410 |
| Net interest margin | 4.3926% | 1,430 |
| Noninterest income to average assets | 0.7733% | 2,179 |
| Noninterest expense to average assets | 2.5861% | 5,132 |
| Loan and lease loss provision to assets | 0.5324% | 1,854 |
| Net operating income to assets | 1.6696% | 676 |
| Return on assets (ROA) | 1.6708% | 739 |
| Pretax return on assets | 1.6708% | 1,202 |
| Return on Equity (ROE) | 13.9023% | 1,054 |
| Retained earnings to average equity (ytd only) | 1.2447% | 5,513 |
| Net charge-offs to loans | 0.4663% | 2,873 |
| Credit loss provision to net charge-offs | 169.3548% | 1,783 |
| Earnings coverage of net charge-offs (x) | 7.0040% | 2,436 |
| Efficiency ratio | 54.0111% | 6,488 |
| Assets per employee ($millions) | 3.7395% | 4,435 |
| Cash dividends to net income (ytd only)* | 91.0470% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3869% | 1,552 |
| Loan loss allowance to noncurrent loans | 46.1906% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 5.2920% | 1,076 |
| Noncurrent loans to loans | 5.1675% | 1,184 |
| Net loans and leases to total assets | 64.1711% | 3,271 |
| Net loans and leases to deposits | 80.0560% | 2,645 |
| Net loans and leases to core deposits | 84.8746% | 2,927 |
| Total domestic deposits to total assets | 80.1578% | 5,690 |
| Equity capital to assets | 12.7223% | 1,774 |
| Core capital (leverage) ratio | 11.3895% | 2,109 |
| Tier 1 risk-based capital ratio | 18.1496% | 2,200 |
| Total risk-based capital ratio | 19.4137% | 2,162 |
| Memoranda: | ||
| Average total assets | $105,175,250 | 4,786 |
| Average earning assets | $96,129,250 | 4,772 |
| Average equity | $12,640,250 | 4,424 |
| Average total loans | $70,905,250 | 4,498 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6444% | 978 |
| Cost of funding earning assets | 1.2239% | 2,417 |
| Net interest margin | 4.4205% | 1,312 |
| Noninterest income to average assets | 0.6930% | 2,594 |
| Noninterest expense to average assets | 2.5216% | 5,455 |
| Loan and lease loss provision to assets | 0.2279% | 3,637 |
| Net operating income to assets | 1.9899% | 349 |
| Return on assets (ROA) | 1.9918% | 364 |
| Pretax return on assets | 1.9918% | 596 |
| Return on Equity (ROE) | 16.9012% | 563 |
| Retained earnings to average equity (ytd only) | 4.0118% | 3,646 |
| Net charge-offs to loans | 0.5615% | 2,423 |
| Credit loss provision to net charge-offs | 59.7015% | 4,347 |
| Earnings coverage of net charge-offs (x) | 5.8109% | 2,522 |
| Efficiency ratio | 53.2051% | 6,696 |
| Assets per employee ($millions) | 3.7703% | 4,270 |
| Cash dividends to net income (ytd only)* | 76.2631% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9758% | 2,437 |
| Loan loss allowance to noncurrent loans | 50.3076% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 4.7050% | 1,327 |
| Noncurrent loans to loans | 3.9274% | 1,769 |
| Net loans and leases to total assets | 65.3232% | 3,181 |
| Net loans and leases to deposits | 80.9981% | 2,619 |
| Net loans and leases to core deposits | 85.7852% | 2,938 |
| Total domestic deposits to total assets | 80.6477% | 5,636 |
| Equity capital to assets | 12.1892% | 1,971 |
| Core capital (leverage) ratio | 11.3026% | 2,047 |
| Tier 1 risk-based capital ratio | 17.8081% | 2,235 |
| Total risk-based capital ratio | 19.0688% | 2,183 |
| Memoranda: | ||
| Average total assets | $105,331,670 | 4,815 |
| Average earning assets | $96,414,000 | 4,801 |
| Average equity | $12,413,330 | 4,448 |
| Average total loans | $71,595,670 | 4,515 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6044% | 1,043 |
| Cost of funding earning assets | 1.2818% | 2,290 |
| Net interest margin | 4.3226% | 1,498 |
| Noninterest income to average assets | 0.7071% | 2,537 |
| Noninterest expense to average assets | 2.4902% | 5,583 |
| Loan and lease loss provision to assets | 0.2281% | 3,376 |
| Net operating income to assets | 1.9503% | 373 |
| Return on assets (ROA) | 1.9503% | 392 |
| Pretax return on assets | 1.9503% | 604 |
| Return on Equity (ROE) | 16.8390% | 591 |
| Retained earnings to average equity (ytd only) | 3.7092% | 3,948 |
| Net charge-offs to loans | 0.3379% | 2,706 |
| Credit loss provision to net charge-offs | 98.3607% | 2,778 |
| Earnings coverage of net charge-offs (x) | 9.3934% | 1,728 |
| Efficiency ratio | 53.3388% | 6,760 |
| Assets per employee ($millions) | 3.7990% | 4,299 |
| Cash dividends to net income (ytd only)* | 77.9727% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0878% | 2,216 |
| Loan loss allowance to noncurrent loans | 46.5927% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 5.0887% | 1,236 |
| Noncurrent loans to loans | 4.4810% | 1,563 |
| Net loans and leases to total assets | 64.8087% | 3,284 |
| Net loans and leases to deposits | 79.7748% | 2,753 |
| Net loans and leases to core deposits | 84.4013% | 3,114 |
| Total domestic deposits to total assets | 81.2396% | 5,593 |
| Equity capital to assets | 11.5039% | 2,262 |
| Core capital (leverage) ratio | 11.2566% | 1,999 |
| Tier 1 risk-based capital ratio | 17.4437% | 2,318 |
| Total risk-based capital ratio | 18.7047% | 2,280 |
| Memoranda: | ||
| Average total assets | $105,213,000 | 4,858 |
| Average earning assets | $96,424,500 | 4,841 |
| Average equity | $12,186,000 | 4,509 |
| Average total loans | $72,218,000 | 4,538 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8049% | 1,268 |
| Cost of funding earning assets | 1.6175% | 1,965 |
| Net interest margin | 4.1873% | 2,235 |
| Noninterest income to average assets | 0.7814% | 2,371 |
| Noninterest expense to average assets | 2.5301% | 5,681 |
| Loan and lease loss provision to assets | 0.2312% | 4,968 |
| Net operating income to assets | 1.8711% | 357 |
| Return on assets (ROA) | 1.8711% | 388 |
| Pretax return on assets | 1.8711% | 650 |
| Return on Equity (ROE) | 16.4195% | 539 |
| Retained earnings to average equity (ytd only) | 5.4281% | 2,162 |
| Net charge-offs to loans | 0.0567% | 6,220 |
| Credit loss provision to net charge-offs | 558.1395% | 402 |
| Earnings coverage of net charge-offs (x) | 50.7442% | 457 |
| Efficiency ratio | 54.6173% | 6,749 |
| Assets per employee ($millions) | 3.5880% | 4,736 |
| Cash dividends to net income (ytd only)* | 66.9413% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9871% | 2,337 |
| Loan loss allowance to noncurrent loans | 44.5353% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 4.3459% | 1,537 |
| Noncurrent loans to loans | 4.4619% | 1,590 |
| Net loans and leases to total assets | 69.7298% | 2,588 |
| Net loans and leases to deposits | 86.4730% | 2,008 |
| Net loans and leases to core deposits | 91.6377% | 2,541 |
| Total domestic deposits to total assets | 80.6378% | 5,645 |
| Equity capital to assets | 11.6623% | 2,152 |
| Core capital (leverage) ratio | 11.3787% | 1,908 |
| Tier 1 risk-based capital ratio | 16.7311% | 2,445 |
| Total risk-based capital ratio | 17.9920% | 2,414 |
| Memoranda: | ||
| Average total assets | $103,790,400 | 4,877 |
| Average earning assets | $95,454,600 | 4,848 |
| Average equity | $11,827,400 | 4,658 |
| Average total loans | $75,813,600 | 4,461 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8466% | 1,261 |
| Cost of funding earning assets | 1.6581% | 2,054 |
| Net interest margin | 4.1885% | 2,257 |
| Noninterest income to average assets | 0.7327% | 2,622 |
| Noninterest expense to average assets | 2.4809% | 5,777 |
| Loan and lease loss provision to assets | 0.2314% | 4,759 |
| Net operating income to assets | 1.8716% | 434 |
| Return on assets (ROA) | 1.8716% | 480 |
| Pretax return on assets | 1.8716% | 808 |
| Return on Equity (ROE) | 16.5208% | 650 |
| Retained earnings to average equity (ytd only) | 6.3088% | 2,198 |
| Net charge-offs to loans | 0.0437% | 6,101 |
| Credit loss provision to net charge-offs | 720.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 65.4449% | 459 |
| Efficiency ratio | 54.1223% | 6,781 |
| Assets per employee ($millions) | 3.6475% | 4,624 |
| Cash dividends to net income (ytd only)* | 61.8133% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8833% | 2,536 |
| Loan loss allowance to noncurrent loans | 44.7228% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 4.5151% | 1,499 |
| Noncurrent loans to loans | 4.2110% | 1,733 |
| Net loans and leases to total assets | 70.3341% | 2,656 |
| Net loans and leases to deposits | 86.8334% | 2,178 |
| Net loans and leases to core deposits | 91.3217% | 2,902 |
| Total domestic deposits to total assets | 80.9989% | 5,362 |
| Equity capital to assets | 11.6158% | 2,443 |
| Core capital (leverage) ratio | 11.4549% | 1,969 |
| Tier 1 risk-based capital ratio | 16.2533% | 2,653 |
| Total risk-based capital ratio | 17.5122% | 2,603 |
| Memoranda: | ||
| Average total assets | $103,724,750 | 4,939 |
| Average earning assets | $95,369,250 | 4,915 |
| Average equity | $11,750,500 | 4,753 |
| Average total loans | $76,260,250 | 4,515 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8622% | 1,271 |
| Cost of funding earning assets | 1.7117% | 2,057 |
| Net interest margin | 4.1506% | 2,334 |
| Noninterest income to average assets | 0.6696% | 2,897 |
| Noninterest expense to average assets | 2.4651% | 5,863 |
| Loan and lease loss provision to assets | 0.2329% | 4,586 |
| Net operating income to assets | 1.7935% | 490 |
| Return on assets (ROA) | 1.7935% | 536 |
| Pretax return on assets | 1.7935% | 897 |
| Return on Equity (ROE) | 15.9700% | 705 |
| Retained earnings to average equity (ytd only) | 5.5999% | 2,558 |
| Net charge-offs to loans | 0.0052% | 6,302 |
| Credit loss provision to net charge-offs | 6,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 522.0000% | 59 |
| Efficiency ratio | 54.8833% | 6,776 |
| Assets per employee ($millions) | 3.5638% | 4,775 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8398% | 2,601 |
| Loan loss allowance to noncurrent loans | 40.6661% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 4.8438% | 1,341 |
| Noncurrent loans to loans | 4.5241% | 1,607 |
| Net loans and leases to total assets | 71.8623% | 2,438 |
| Net loans and leases to deposits | 88.9023% | 2,014 |
| Net loans and leases to core deposits | 90.5190% | 3,187 |
| Total domestic deposits to total assets | 80.8329% | 5,461 |
| Equity capital to assets | 11.4950% | 2,449 |
| Core capital (leverage) ratio | 10.9836% | 2,255 |
| Tier 1 risk-based capital ratio | 15.8349% | 2,747 |
| Total risk-based capital ratio | 17.0929% | 2,704 |
| Memoranda: | ||
| Average total assets | $103,040,330 | 4,990 |
| Average earning assets | $94,878,670 | 4,964 |
| Average equity | $11,571,670 | 4,788 |
| Average total loans | $76,405,000 | 4,560 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8802% | 1,250 |
| Cost of funding earning assets | 1.7300% | 2,232 |
| Net interest margin | 4.1502% | 2,234 |
| Noninterest income to average assets | 0.6298% | 3,086 |
| Noninterest expense to average assets | 2.4960% | 5,741 |
| Loan and lease loss provision to assets | 0.2333% | 4,172 |
| Net operating income to assets | 1.7340% | 571 |
| Return on assets (ROA) | 1.7340% | 628 |
| Pretax return on assets | 1.7340% | 995 |
| Return on Equity (ROE) | 15.6251% | 780 |
| Retained earnings to average equity (ytd only) | 5.1150% | 3,095 |
| Net charge-offs to loans | 0.0208% | 5,291 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 126.5000% | 260 |
| Efficiency ratio | 55.9233% | 6,777 |
| Assets per employee ($millions) | 3.5781% | 4,872 |
| Cash dividends to net income (ytd only)* | 67.2646% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 2,971 |
| Loan loss allowance to noncurrent loans | 39.0832% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 4.6741% | 1,421 |
| Noncurrent loans to loans | 4.4147% | 1,705 |
| Net loans and leases to total assets | 73.0061% | 2,199 |
| Net loans and leases to deposits | 89.5935% | 1,967 |
| Net loans and leases to core deposits | 94.2390% | 2,815 |
| Total domestic deposits to total assets | 81.4859% | 5,275 |
| Equity capital to assets | 11.0722% | 2,702 |
| Core capital (leverage) ratio | 10.9068% | 2,290 |
| Tier 1 risk-based capital ratio | 15.3534% | 2,943 |
| Total risk-based capital ratio | 16.6102% | 2,892 |
| Memoranda: | ||
| Average total assets | $102,886,000 | 5,066 |
| Average earning assets | $95,031,500 | 5,016 |
| Average equity | $11,417,500 | 4,864 |
| Average total loans | $76,777,000 | 4,619 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2425% | 1,138 |
| Cost of funding earning assets | 1.9732% | 3,087 |
| Net interest margin | 4.2694% | 1,820 |
| Noninterest income to average assets | 0.8044% | 2,386 |
| Noninterest expense to average assets | 2.7006% | 5,391 |
| Loan and lease loss provision to assets | 0.4690% | 4,011 |
| Net operating income to assets | 1.6230% | 519 |
| Return on assets (ROA) | 1.6230% | 554 |
| Pretax return on assets | 1.6230% | 916 |
| Return on Equity (ROE) | 14.0212% | 781 |
| Retained earnings to average equity (ytd only) | 0.8103% | 4,448 |
| Net charge-offs to loans | 0.5578% | 3,551 |
| Credit loss provision to net charge-offs | 108.4906% | 5,102 |
| Earnings coverage of net charge-offs (x) | 4.8396% | 2,792 |
| Efficiency ratio | 56.3497% | 6,970 |
| Assets per employee ($millions) | 3.4003% | 5,256 |
| Cash dividends to net income (ytd only)* | 94.2211% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6660% | 3,026 |
| Loan loss allowance to noncurrent loans | 59.5884% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 3.6987% | 1,801 |
| Noncurrent loans to loans | 2.7959% | 2,760 |
| Net loans and leases to total assets | 73.7158% | 2,332 |
| Net loans and leases to deposits | 90.9317% | 2,059 |
| Net loans and leases to core deposits | 108.8283% | 3,019 |
| Total domestic deposits to total assets | 81.0672% | 5,322 |
| Equity capital to assets | 11.1227% | 2,607 |
| Core capital (leverage) ratio | 11.2557% | 2,070 |
| Tier 1 risk-based capital ratio | 15.0770% | 2,899 |
| Total risk-based capital ratio | 16.3328% | 2,850 |
| Memoranda: | ||
| Average total assets | $98,089,200 | 5,136 |
| Average earning assets | $91,629,800 | 5,071 |
| Average equity | $11,354,200 | 4,919 |
| Average total loans | $76,011,200 | 4,652 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3382% | 1,048 |
| Cost of funding earning assets | 2.0062% | 3,330 |
| Net interest margin | 4.3320% | 1,637 |
| Noninterest income to average assets | 0.8760% | 2,080 |
| Noninterest expense to average assets | 2.6787% | 5,413 |
| Loan and lease loss provision to assets | 0.3570% | 4,185 |
| Net operating income to assets | 1.8961% | 361 |
| Return on assets (ROA) | 1.8961% | 388 |
| Pretax return on assets | 1.8961% | 662 |
| Return on Equity (ROE) | 16.2139% | 626 |
| Retained earnings to average equity (ytd only) | 2.1251% | 4,142 |
| Net charge-offs to loans | 0.2846% | 4,251 |
| Credit loss provision to net charge-offs | 160.4938% | 2,954 |
| Earnings coverage of net charge-offs (x) | 10.1299% | 2,004 |
| Efficiency ratio | 54.3151% | 7,205 |
| Assets per employee ($millions) | 3.4700% | 5,002 |
| Cash dividends to net income (ytd only)* | 86.8934% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7878% | 2,316 |
| Loan loss allowance to noncurrent loans | 117.0903% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 4.2415% | 1,477 |
| Noncurrent loans to loans | 1.5268% | 4,363 |
| Net loans and leases to total assets | 75.5393% | 2,092 |
| Net loans and leases to deposits | 94.3816% | 1,810 |
| Net loans and leases to core deposits | 114.1431% | 2,813 |
| Total domestic deposits to total assets | 80.0360% | 5,420 |
| Equity capital to assets | 11.8166% | 2,343 |
| Core capital (leverage) ratio | 11.5462% | 2,049 |
| Tier 1 risk-based capital ratio | 15.4097% | 2,861 |
| Total risk-based capital ratio | 16.6664% | 2,801 |
| Memoranda: | ||
| Average total assets | $97,109,500 | 5,208 |
| Average earning assets | $90,917,500 | 5,131 |
| Average equity | $11,356,250 | 4,963 |
| Average total loans | $75,896,500 | 4,700 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4311% | 940 |
| Cost of funding earning assets | 2.0039% | 3,757 |
| Net interest margin | 4.4273% | 1,346 |
| Noninterest income to average assets | 0.9661% | 1,709 |
| Noninterest expense to average assets | 2.8241% | 4,854 |
| Loan and lease loss provision to assets | 0.4429% | 3,332 |
| Net operating income to assets | 1.8724% | 396 |
| Return on assets (ROA) | 1.8724% | 428 |
| Pretax return on assets | 1.8724% | 737 |
| Return on Equity (ROE) | 16.0676% | 683 |
| Retained earnings to average equity (ytd only) | 1.9267% | 4,268 |
| Net charge-offs to loans | 0.3015% | 3,681 |
| Credit loss provision to net charge-offs | 186.9565% | 2,456 |
| Earnings coverage of net charge-offs (x) | 9.7739% | 2,079 |
| Efficiency ratio | 54.9499% | 7,233 |
| Assets per employee ($millions) | 3.2373% | 5,488 |
| Cash dividends to net income (ytd only)* | 88.0088% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7942% | 2,061 |
| Loan loss allowance to noncurrent loans | 123.7523% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 2.4239% | 2,667 |
| Noncurrent loans to loans | 1.4498% | 4,321 |
| Net loans and leases to total assets | 75.4659% | 2,324 |
| Net loans and leases to deposits | 93.9664% | 2,095 |
| Net loans and leases to core deposits | 113.6312% | 2,954 |
| Total domestic deposits to total assets | 80.3116% | 5,350 |
| Equity capital to assets | 11.6662% | 2,408 |
| Core capital (leverage) ratio | 11.2918% | 2,202 |
| Tier 1 risk-based capital ratio | 15.5183% | 2,804 |
| Total risk-based capital ratio | 16.7755% | 2,733 |
| Memoranda: | ||
| Average total assets | $97,092,670 | 5,247 |
| Average earning assets | $91,523,670 | 5,141 |
| Average equity | $11,314,670 | 4,996 |
| Average total loans | $76,285,330 | 4,726 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6246% | 681 |
| Cost of funding earning assets | 2.0009% | 4,124 |
| Net interest margin | 4.6237% | 904 |
| Noninterest income to average assets | 0.9518% | 1,633 |
| Noninterest expense to average assets | 2.6658% | 5,161 |
| Loan and lease loss provision to assets | 0.1854% | 4,585 |
| Net operating income to assets | 2.4804% | 139 |
| Return on assets (ROA) | 2.4804% | 169 |
| Pretax return on assets | 2.4804% | 268 |
| Return on Equity (ROE) | 21.2965% | 342 |
| Retained earnings to average equity (ytd only) | 7.1460% | 2,159 |
| Net charge-offs to loans | 0.2023% | 3,420 |
| Credit loss provision to net charge-offs | 115.3846% | 3,375 |
| Earnings coverage of net charge-offs (x) | 16.5897% | 1,546 |
| Efficiency ratio | 50.0000% | 7,588 |
| Assets per employee ($millions) | 3.3840% | 5,112 |
| Cash dividends to net income (ytd only)* | 66.4452% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6305% | 2,399 |
| Loan loss allowance to noncurrent loans | 227.4223% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.8702% | 5,015 |
| Noncurrent loans to loans | 0.7169% | 5,625 |
| Net loans and leases to total assets | 76.4786% | 2,166 |
| Net loans and leases to deposits | 95.0881% | 2,096 |
| Net loans and leases to core deposits | 113.7046% | 3,033 |
| Total domestic deposits to total assets | 80.4292% | 5,199 |
| Equity capital to assets | 11.6614% | 2,472 |
| Core capital (leverage) ratio | 11.5673% | 2,104 |
| Tier 1 risk-based capital ratio | 15.4609% | 2,870 |
| Total risk-based capital ratio | 16.7164% | 2,800 |
| Memoranda: | ||
| Average total assets | $97,080,000 | 5,269 |
| Average earning assets | $91,960,500 | 5,147 |
| Average equity | $11,307,000 | 5,027 |
| Average total loans | $77,113,000 | 4,722 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1134% | 893 |
| Cost of funding earning assets | 2.3906% | 4,756 |
| Net interest margin | 4.7228% | 930 |
| Noninterest income to average assets | 0.7497% | 2,783 |
| Noninterest expense to average assets | 2.6945% | 5,295 |
| Loan and lease loss provision to assets | 0.1145% | 5,908 |
| Net operating income to assets | 2.4029% | 157 |
| Return on assets (ROA) | 2.4071% | 152 |
| Pretax return on assets | 2.4071% | 244 |
| Return on Equity (ROE) | 21.0267% | 300 |
| Retained earnings to average equity (ytd only) | 6.2061% | 1,435 |
| Net charge-offs to loans | 0.1143% | 5,118 |
| Credit loss provision to net charge-offs | 125.5814% | 4,252 |
| Earnings coverage of net charge-offs (x) | 27.6047% | 1,236 |
| Efficiency ratio | 51.6989% | 7,523 |
| Assets per employee ($millions) | 3.3112% | 5,189 |
| Cash dividends to net income (ytd only)* | 70.4846% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 2,296 |
| Loan loss allowance to noncurrent loans | 253.6885% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.7259% | 5,052 |
| Noncurrent loans to loans | 0.6262% | 5,490 |
| Net loans and leases to total assets | 79.8665% | 1,693 |
| Net loans and leases to deposits | 98.9178% | 1,991 |
| Net loans and leases to core deposits | 118.4545% | 2,839 |
| Total domestic deposits to total assets | 80.7402% | 4,755 |
| Equity capital to assets | 11.6325% | 2,543 |
| Core capital (leverage) ratio | 11.8544% | 2,053 |
| Tier 1 risk-based capital ratio | 15.0363% | 3,026 |
| Total risk-based capital ratio | 16.2916% | 2,943 |
| Memoranda: | ||
| Average total assets | $94,303,400 | 5,219 |
| Average earning assets | $89,100,000 | 5,115 |
| Average equity | $10,795,800 | 5,186 |
| Average total loans | $75,225,400 | 4,682 |