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 | 6.7402% | 466 |
| Cost of funding earning assets | 2.7046% | 596 |
| Net interest margin | 4.0356% | 1,217 |
| Noninterest income to average assets | 0.3800% | 2,354 |
| Noninterest expense to average assets | 3.1589% | 924 |
| Loan and lease loss provision to assets | 0.2800% | 399 |
| Net operating income to assets | 0.5230% | 3,528 |
| Return on assets (ROA) | 0.5230% | 3,542 |
| Pretax return on assets | 0.6372% | 3,518 |
| Return on Equity (ROE) | 5.0200% | 3,538 |
| Retained earnings to average equity (ytd only) | 2.4834% | 3,216 |
| Net charge-offs to loans | -0.1412% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 77.5074% | 1,136 |
| Assets per employee ($millions) | 5.0668% | 3,625 |
| Cash dividends to net income (ytd only)* | 50.5747% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 916 |
| Loan loss allowance to noncurrent loans | 467.2414% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.5175% | 1,435 |
| Noncurrent loans to loans | 0.3307% | 2,311 |
| Net loans and leases to total assets | 75.7400% | 1,117 |
| Net loans and leases to deposits | 84.8608% | 1,606 |
| Net loans and leases to core deposits | 98.5768% | 1,463 |
| Total domestic deposits to total assets | 89.2600% | 1,070 |
| Equity capital to assets | 10.1774% | 2,111 |
| Core capital (leverage) ratio | 10.5979% | 2,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $133,084,000 | 3,521 |
| Average earning assets | $122,014,000 | 3,526 |
| Average equity | $13,852,000 | 3,469 |
| Average total loans | $104,810,000 | 3,170 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8693% | 462 |
| Cost of funding earning assets | 2.7896% | 718 |
| Net interest margin | 4.0797% | 1,079 |
| Noninterest income to average assets | 0.5300% | 1,792 |
| Noninterest expense to average assets | 3.0238% | 1,110 |
| Loan and lease loss provision to assets | 0.7300% | 117 |
| Net operating income to assets | 0.3521% | 3,764 |
| Return on assets (ROA) | 0.3521% | 3,791 |
| Pretax return on assets | 0.4991% | 3,650 |
| Return on Equity (ROE) | 3.3100% | 3,809 |
| Retained earnings to average equity (ytd only) | 0.7337% | 3,743 |
| Net charge-offs to loans | 0.5713% | 266 |
| Credit loss provision to net charge-offs | 155.6478% | 1,375 |
| Earnings coverage of net charge-offs (x) | 2.6362% | 2,808 |
| Efficiency ratio | 71.1192% | 1,866 |
| Assets per employee ($millions) | 4.9756% | 3,660 |
| Cash dividends to net income (ytd only)* | 77.8022% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 1,201 |
| Loan loss allowance to noncurrent loans | 65.3275% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 1.8166% | 249 |
| Noncurrent loans to loans | 2.1941% | 356 |
| Net loans and leases to total assets | 79.5200% | 717 |
| Net loans and leases to deposits | 89.5743% | 1,242 |
| Net loans and leases to core deposits | 100.7906% | 1,401 |
| Total domestic deposits to total assets | 88.7800% | 1,235 |
| Equity capital to assets | 10.6528% | 1,750 |
| Core capital (leverage) ratio | 10.7898% | 2,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $129,240,600 | 3,539 |
| Average earning assets | $118,047,200 | 3,541 |
| Average equity | $13,765,800 | 3,445 |
| Average total loans | $105,380,800 | 3,161 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8469% | 460 |
| Cost of funding earning assets | 2.7507% | 771 |
| Net interest margin | 4.0962% | 1,020 |
| Noninterest income to average assets | 0.5700% | 1,582 |
| Noninterest expense to average assets | 3.0152% | 1,094 |
| Loan and lease loss provision to assets | 0.4700% | 191 |
| Net operating income to assets | 0.6501% | 3,091 |
| Return on assets (ROA) | 0.6501% | 3,113 |
| Pretax return on assets | 0.8245% | 2,976 |
| Return on Equity (ROE) | 6.1000% | 3,291 |
| Retained earnings to average equity (ytd only) | 3.5362% | 3,002 |
| Net charge-offs to loans | 0.1754% | 666 |
| Credit loss provision to net charge-offs | 326.6187% | 814 |
| Earnings coverage of net charge-offs (x) | 9.0360% | 2,186 |
| Efficiency ratio | 69.9378% | 2,030 |
| Assets per employee ($millions) | 4.7512% | 3,801 |
| Cash dividends to net income (ytd only)* | 42.0635% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 1,198 |
| Loan loss allowance to noncurrent loans | 53.3406% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 2.1265% | 180 |
| Noncurrent loans to loans | 2.7067% | 243 |
| Net loans and leases to total assets | 75.7900% | 1,150 |
| Net loans and leases to deposits | 85.4542% | 1,688 |
| Net loans and leases to core deposits | 97.9958% | 1,622 |
| Total domestic deposits to total assets | 88.6900% | 1,022 |
| Equity capital to assets | 10.6162% | 1,920 |
| Core capital (leverage) ratio | 10.9670% | 2,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $129,209,500 | 3,546 |
| Average earning assets | $118,025,500 | 3,549 |
| Average equity | $13,762,000 | 3,447 |
| Average total loans | $105,632,750 | 3,164 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8360% | 440 |
| Cost of funding earning assets | 2.6679% | 812 |
| Net interest margin | 4.1681% | 932 |
| Noninterest income to average assets | 0.4600% | 2,045 |
| Noninterest expense to average assets | 3.0469% | 1,044 |
| Loan and lease loss provision to assets | 0.5600% | 143 |
| Net operating income to assets | 0.4518% | 3,559 |
| Return on assets (ROA) | 0.4518% | 3,592 |
| Pretax return on assets | 0.6456% | 3,346 |
| Return on Equity (ROE) | 4.2400% | 3,687 |
| Retained earnings to average equity (ytd only) | 1.6420% | 3,445 |
| Net charge-offs to loans | 0.2398% | 465 |
| Credit loss provision to net charge-offs | 282.0313% | 844 |
| Earnings coverage of net charge-offs (x) | 6.0469% | 2,176 |
| Efficiency ratio | 71.5755% | 1,910 |
| Assets per employee ($millions) | 4.5587% | 3,891 |
| Cash dividends to net income (ytd only)* | 61.2457% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 1,566 |
| Loan loss allowance to noncurrent loans | 51.6093% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 2.1646% | 159 |
| Noncurrent loans to loans | 2.6025% | 245 |
| Net loans and leases to total assets | 80.2800% | 643 |
| Net loans and leases to deposits | 90.6307% | 1,246 |
| Net loans and leases to core deposits | 104.0992% | 1,254 |
| Total domestic deposits to total assets | 88.5800% | 1,137 |
| Equity capital to assets | 10.7259% | 1,691 |
| Core capital (leverage) ratio | 11.0644% | 1,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $127,935,000 | 3,570 |
| Average earning assets | $116,647,333 | 3,573 |
| Average equity | $13,641,667 | 3,428 |
| Average total loans | $106,743,333 | 3,143 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4189% | 379 |
| Cost of funding earning assets | 2.4913% | 370 |
| Net interest margin | 3.9276% | 1,320 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.6612% | 1,844 |
| Loan and lease loss provision to assets | 0.3400% | 303 |
| Net operating income to assets | 0.9519% | 2,356 |
| Return on assets (ROA) | 0.9519% | 2,348 |
| Pretax return on assets | 1.1232% | 2,337 |
| Return on Equity (ROE) | 9.9900% | 2,497 |
| Retained earnings to average equity (ytd only) | 7.5687% | 1,678 |
| Net charge-offs to loans | 0.0893% | 980 |
| Credit loss provision to net charge-offs | 470.8333% | 705 |
| Earnings coverage of net charge-offs (x) | 20.2188% | 1,867 |
| Efficiency ratio | 64.5091% | 2,543 |
| Assets per employee ($millions) | 5.4374% | 3,303 |
| Cash dividends to net income (ytd only)* | 24.2472% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 2,925 |
| Loan loss allowance to noncurrent loans | 87.3684% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.0652% | 444 |
| Noncurrent loans to loans | 1.2376% | 575 |
| Net loans and leases to total assets | 81.4600% | 480 |
| Net loans and leases to deposits | 91.8628% | 1,106 |
| Net loans and leases to core deposits | 104.3395% | 1,201 |
| Total domestic deposits to total assets | 88.6700% | 1,165 |
| Equity capital to assets | 10.7159% | 1,623 |
| Core capital (leverage) ratio | 11.0027% | 1,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $132,573,200 | 3,525 |
| Average earning assets | $121,422,200 | 3,529 |
| Average equity | $12,631,000 | 3,472 |
| Average total loans | $107,470,400 | 3,097 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3059% | 368 |
| Cost of funding earning assets | 2.4765% | 290 |
| Net interest margin | 3.8294% | 1,537 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.6417% | 1,822 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | 0.9307% | 2,578 |
| Return on assets (ROA) | 0.9307% | 2,565 |
| Pretax return on assets | 1.1491% | 2,421 |
| Return on Equity (ROE) | 10.0800% | 2,612 |
| Retained earnings to average equity (ytd only) | 7.7117% | 2,072 |
| Net charge-offs to loans | 0.0955% | 813 |
| Credit loss provision to net charge-offs | 323.3766% | 841 |
| Earnings coverage of net charge-offs (x) | 18.1299% | 1,879 |
| Efficiency ratio | 65.3856% | 2,346 |
| Assets per employee ($millions) | 4.7566% | 3,770 |
| Cash dividends to net income (ytd only)* | 23.4661% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 3,765 |
| Loan loss allowance to noncurrent loans | 69.7575% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.0977% | 444 |
| Noncurrent loans to loans | 1.2743% | 601 |
| Net loans and leases to total assets | 81.8700% | 446 |
| Net loans and leases to deposits | 91.8534% | 1,064 |
| Net loans and leases to core deposits | 104.6891% | 1,082 |
| Total domestic deposits to total assets | 89.1300% | 1,205 |
| Equity capital to assets | 10.0432% | 1,811 |
| Core capital (leverage) ratio | 10.4859% | 2,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $133,092,000 | 3,528 |
| Average earning assets | $122,105,750 | 3,534 |
| Average equity | $12,292,750 | 3,501 |
| Average total loans | $107,472,500 | 3,096 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1870% | 353 |
| Cost of funding earning assets | 2.4425% | 214 |
| Net interest margin | 3.7445% | 1,728 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.5582% | 2,039 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 0.9950% | 2,433 |
| Return on assets (ROA) | 0.9950% | 2,426 |
| Pretax return on assets | 1.1964% | 2,366 |
| Return on Equity (ROE) | 11.1000% | 2,392 |
| Retained earnings to average equity (ytd only) | 8.9174% | 1,708 |
| Net charge-offs to loans | 0.0807% | 784 |
| Credit loss provision to net charge-offs | 362.7907% | 771 |
| Earnings coverage of net charge-offs (x) | 22.1395% | 1,704 |
| Efficiency ratio | 64.1296% | 2,472 |
| Assets per employee ($millions) | 5.4282% | 3,209 |
| Cash dividends to net income (ytd only)* | 19.6375% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8454% | 3,914 |
| Loan loss allowance to noncurrent loans | 72.8424% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.9749% | 486 |
| Noncurrent loans to loans | 1.1607% | 607 |
| Net loans and leases to total assets | 79.5100% | 679 |
| Net loans and leases to deposits | 88.5048% | 1,301 |
| Net loans and leases to core deposits | 100.1550% | 1,228 |
| Total domestic deposits to total assets | 89.8400% | 969 |
| Equity capital to assets | 9.3710% | 2,252 |
| Core capital (leverage) ratio | 9.5619% | 3,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $133,061,333 | 3,538 |
| Average earning assets | $122,418,000 | 3,535 |
| Average equity | $11,931,667 | 3,545 |
| Average total loans | $106,623,667 | 3,098 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9122% | 348 |
| Cost of funding earning assets | 2.3272% | 140 |
| Net interest margin | 3.5849% | 2,164 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 2.6082% | 1,928 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 0.8137% | 3,155 |
| Return on assets (ROA) | 0.8137% | 3,103 |
| Pretax return on assets | 1.0384% | 2,891 |
| Return on Equity (ROE) | 9.2900% | 2,972 |
| Retained earnings to average equity (ytd only) | 7.8690% | 2,257 |
| Net charge-offs to loans | 0.1668% | 424 |
| Credit loss provision to net charge-offs | 188.6364% | 848 |
| Earnings coverage of net charge-offs (x) | 9.6591% | 1,683 |
| Efficiency ratio | 66.9003% | 2,101 |
| Assets per employee ($millions) | 5.4005% | 3,318 |
| Cash dividends to net income (ytd only)* | 15.2985% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7859% | 4,113 |
| Loan loss allowance to noncurrent loans | 67.2771% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 0.9372% | 457 |
| Noncurrent loans to loans | 1.1682% | 601 |
| Net loans and leases to total assets | 75.9700% | 977 |
| Net loans and leases to deposits | 83.9884% | 1,502 |
| Net loans and leases to core deposits | 92.8535% | 1,459 |
| Total domestic deposits to total assets | 90.4500% | 996 |
| Equity capital to assets | 8.7021% | 2,735 |
| Core capital (leverage) ratio | 9.3528% | 3,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $131,739,000 | 3,595 |
| Average earning assets | $121,173,500 | 3,589 |
| Average equity | $11,539,000 | 3,616 |
| Average total loans | $105,526,500 | 3,141 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2788% | 199 |
| Cost of funding earning assets | 0.9843% | 177 |
| Net interest margin | 4.2945% | 432 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.6456% | 1,690 |
| Loan and lease loss provision to assets | 0.3200% | 245 |
| Net operating income to assets | 1.1417% | 2,003 |
| Return on assets (ROA) | 1.1417% | 1,947 |
| Pretax return on assets | 1.4386% | 1,664 |
| Return on Equity (ROE) | 12.2900% | 2,038 |
| Retained earnings to average equity (ytd only) | 10.8818% | 913 |
| Net charge-offs to loans | 0.5963% | 118 |
| Credit loss provision to net charge-offs | 66.7864% | 1,740 |
| Earnings coverage of net charge-offs (x) | 3.6338% | 2,458 |
| Efficiency ratio | 60.0158% | 3,056 |
| Assets per employee ($millions) | 4.9366% | 3,726 |
| Cash dividends to net income (ytd only)* | 11.4416% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4404% | 4,480 |
| Loan loss allowance to noncurrent loans | 28.2703% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.3556% | 256 |
| Noncurrent loans to loans | 1.5579% | 415 |
| Net loans and leases to total assets | 83.5200% | 296 |
| Net loans and leases to deposits | 92.6395% | 880 |
| Net loans and leases to core deposits | 98.6110% | 1,074 |
| Total domestic deposits to total assets | 90.1600% | 1,286 |
| Equity capital to assets | 9.0824% | 2,308 |
| Core capital (leverage) ratio | 9.8483% | 2,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $114,831,200 | 3,779 |
| Average earning assets | $105,553,800 | 3,779 |
| Average equity | $10,669,200 | 3,794 |
| Average total loans | $93,409,400 | 3,240 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2315% | 159 |
| Cost of funding earning assets | 0.8188% | 145 |
| Net interest margin | 4.4127% | 272 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.6007% | 1,709 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 1.3761% | 1,151 |
| Return on assets (ROA) | 1.3761% | 1,123 |
| Pretax return on assets | 1.6849% | 932 |
| Return on Equity (ROE) | 14.7200% | 1,237 |
| Retained earnings to average equity (ytd only) | 13.2897% | 568 |
| Net charge-offs to loans | 0.6573% | 91 |
| Credit loss provision to net charge-offs | 42.1875% | 1,557 |
| Earnings coverage of net charge-offs (x) | 3.6004% | 2,203 |
| Efficiency ratio | 57.6752% | 3,423 |
| Assets per employee ($millions) | 4.9555% | 3,716 |
| Cash dividends to net income (ytd only)* | 9.7163% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3875% | 4,550 |
| Loan loss allowance to noncurrent loans | 29.1159% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.2038% | 341 |
| Noncurrent loans to loans | 1.3309% | 551 |
| Net loans and leases to total assets | 86.1600% | 111 |
| Net loans and leases to deposits | 99.5287% | 380 |
| Net loans and leases to core deposits | 103.1513% | 692 |
| Total domestic deposits to total assets | 86.5600% | 2,901 |
| Equity capital to assets | 9.6283% | 1,808 |
| Core capital (leverage) ratio | 10.2909% | 2,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $112,685,500 | 3,828 |
| Average earning assets | $103,729,000 | 3,821 |
| Average equity | $10,534,250 | 3,859 |
| Average total loans | $90,877,750 | 3,284 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1101% | 143 |
| Cost of funding earning assets | 0.8134% | 95 |
| Net interest margin | 4.2968% | 270 |
| Noninterest income to average assets | 0.4240% | 2,605 |
| Noninterest expense to average assets | 2.4818% | 1,990 |
| Loan and lease loss provision to assets | 0.2245% | 350 |
| Net operating income to assets | 1.2846% | 1,183 |
| Return on assets (ROA) | 1.2846% | 1,168 |
| Pretax return on assets | 1.6801% | 790 |
| Return on Equity (ROE) | 13.8818% | 1,144 |
| Retained earnings to average equity (ytd only) | 13.8818% | 371 |
| Net charge-offs to loans | 0.0793% | 676 |
| Credit loss provision to net charge-offs | 360.0000% | 732 |
| Earnings coverage of net charge-offs (x) | 30.5429% | 1,381 |
| Efficiency ratio | 56.5800% | 3,717 |
| Assets per employee ($millions) | 4.5621% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7625% | 4,234 |
| Loan loss allowance to noncurrent loans | 143.8114% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 1,271 |
| Noncurrent loans to loans | 0.5302% | 1,563 |
| Net loans and leases to total assets | 83.5356% | 204 |
| Net loans and leases to deposits | 93.0301% | 555 |
| Net loans and leases to core deposits | 97.5209% | 778 |
| Total domestic deposits to total assets | 89.7941% | 1,798 |
| Equity capital to assets | 9.4290% | 2,075 |
| Core capital (leverage) ratio | 9.8105% | 2,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,255,000 | 3,873 |
| Average earning assets | $103,520,000 | 3,876 |
| Average equity | $10,387,667 | 3,942 |
| Average total loans | $88,310,000 | 3,351 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8926% | 177 |
| Cost of funding earning assets | 0.8161% | 83 |
| Net interest margin | 4.0765% | 354 |
| Noninterest income to average assets | 0.4095% | 2,626 |
| Noninterest expense to average assets | 2.1516% | 2,977 |
| Loan and lease loss provision to assets | 0.2263% | 307 |
| Net operating income to assets | 1.4979% | 641 |
| Return on assets (ROA) | 1.4979% | 632 |
| Pretax return on assets | 1.7996% | 548 |
| Return on Equity (ROE) | 16.3457% | 500 |
| Retained earnings to average equity (ytd only) | 16.3457% | 216 |
| Net charge-offs to loans | 0.0047% | 1,592 |
| Credit loss provision to net charge-offs | 6,300.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 564.0000% | 179 |
| Efficiency ratio | 51.5047% | 4,226 |
| Assets per employee ($millions) | 4.7585% | 3,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7992% | 4,245 |
| Loan loss allowance to noncurrent loans | 178.4264% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.3450% | 1,729 |
| Noncurrent loans to loans | 0.4479% | 1,906 |
| Net loans and leases to total assets | 76.4098% | 479 |
| Net loans and leases to deposits | 85.0799% | 800 |
| Net loans and leases to core deposits | 89.8822% | 932 |
| Total domestic deposits to total assets | 89.8095% | 1,671 |
| Equity capital to assets | 9.2808% | 2,462 |
| Core capital (leverage) ratio | 9.7068% | 2,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,356,500 | 3,898 |
| Average earning assets | $102,931,500 | 3,900 |
| Average equity | $10,204,500 | 4,031 |
| Average total loans | $84,462,000 | 3,399 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4262% | 139 |
| Cost of funding earning assets | 1.1087% | 43 |
| Net interest margin | 4.3175% | 390 |
| Noninterest income to average assets | 0.4885% | 2,633 |
| Noninterest expense to average assets | 2.7285% | 1,553 |
| Loan and lease loss provision to assets | 0.2565% | 354 |
| Net operating income to assets | 1.0686% | 2,422 |
| Return on assets (ROA) | 1.0686% | 2,497 |
| Pretax return on assets | 1.4747% | 1,805 |
| Return on Equity (ROE) | 11.8959% | 1,853 |
| Retained earnings to average equity (ytd only) | 11.8959% | 544 |
| Net charge-offs to loans | 0.0428% | 1,420 |
| Credit loss provision to net charge-offs | 763.6364% | 621 |
| Earnings coverage of net charge-offs (x) | 51.5455% | 1,278 |
| Efficiency ratio | 61.1821% | 2,975 |
| Assets per employee ($millions) | 5.1671% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7918% | 4,279 |
| Loan loss allowance to noncurrent loans | 308.1731% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 2,603 |
| Noncurrent loans to loans | 0.2569% | 2,691 |
| Net loans and leases to total assets | 74.0187% | 667 |
| Net loans and leases to deposits | 82.1582% | 1,053 |
| Net loans and leases to core deposits | 86.4860% | 1,169 |
| Total domestic deposits to total assets | 90.0930% | 914 |
| Equity capital to assets | 9.0407% | 3,582 |
| Core capital (leverage) ratio | 9.2447% | 3,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,259,200 | 4,009 |
| Average earning assets | $90,376,600 | 4,016 |
| Average equity | $8,826,600 | 4,258 |
| Average total loans | $77,016,600 | 3,521 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5565% | 137 |
| Cost of funding earning assets | 1.1648% | 42 |
| Net interest margin | 4.3918% | 379 |
| Noninterest income to average assets | 0.4765% | 2,727 |
| Noninterest expense to average assets | 2.6792% | 1,642 |
| Loan and lease loss provision to assets | 0.2633% | 334 |
| Net operating income to assets | 1.1230% | 2,470 |
| Return on assets (ROA) | 1.1230% | 2,531 |
| Pretax return on assets | 1.5632% | 1,813 |
| Return on Equity (ROE) | 12.5238% | 1,854 |
| Retained earnings to average equity (ytd only) | 12.5238% | 719 |
| Net charge-offs to loans | 0.0877% | 815 |
| Credit loss provision to net charge-offs | 378.0000% | 890 |
| Earnings coverage of net charge-offs (x) | 26.2200% | 1,599 |
| Efficiency ratio | 59.4620% | 3,074 |
| Assets per employee ($millions) | 4.6075% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7210% | 4,468 |
| Loan loss allowance to noncurrent loans | 224.4000% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 2,547 |
| Noncurrent loans to loans | 0.3213% | 2,625 |
| Net loans and leases to total assets | 76.2038% | 537 |
| Net loans and leases to deposits | 84.8052% | 903 |
| Net loans and leases to core deposits | 89.3221% | 1,072 |
| Total domestic deposits to total assets | 89.8574% | 832 |
| Equity capital to assets | 9.0889% | 3,753 |
| Core capital (leverage) ratio | 9.1583% | 3,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,696,750 | 4,086 |
| Average earning assets | $87,798,500 | 4,095 |
| Average equity | $8,580,750 | 4,343 |
| Average total loans | $76,031,250 | 3,595 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5447% | 161 |
| Cost of funding earning assets | 1.1996% | 43 |
| Net interest margin | 4.3451% | 454 |
| Noninterest income to average assets | 0.4818% | 2,708 |
| Noninterest expense to average assets | 2.6864% | 1,626 |
| Loan and lease loss provision to assets | 0.2686% | 349 |
| Net operating income to assets | 1.0447% | 2,740 |
| Return on assets (ROA) | 1.0447% | 2,819 |
| Pretax return on assets | 1.5116% | 1,981 |
| Return on Equity (ROE) | 11.7085% | 2,160 |
| Retained earnings to average equity (ytd only) | 11.7085% | 975 |
| Net charge-offs to loans | -0.0053% | 3,451 |
| Credit loss provision to net charge-offs | -6,300.0000% | 4,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1432% | 3,002 |
| Assets per employee ($millions) | 4.5880% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7296% | 4,484 |
| Loan loss allowance to noncurrent loans | 224.4898% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 2,654 |
| Noncurrent loans to loans | 0.3250% | 2,754 |
| Net loans and leases to total assets | 77.6695% | 468 |
| Net loans and leases to deposits | 86.3176% | 898 |
| Net loans and leases to core deposits | 90.5979% | 1,099 |
| Total domestic deposits to total assets | 89.9811% | 789 |
| Equity capital to assets | 8.8751% | 3,917 |
| Core capital (leverage) ratio | 9.0047% | 3,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,807,333 | 4,128 |
| Average earning assets | $86,027,667 | 4,134 |
| Average equity | $8,370,000 | 4,384 |
| Average total loans | $75,440,000 | 3,628 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6158% | 169 |
| Cost of funding earning assets | 1.2542% | 44 |
| Net interest margin | 4.3616% | 461 |
| Noninterest income to average assets | 0.4366% | 2,886 |
| Noninterest expense to average assets | 2.5633% | 1,982 |
| Loan and lease loss provision to assets | 0.2723% | 360 |
| Net operating income to assets | 1.1974% | 2,158 |
| Return on assets (ROA) | 1.1974% | 2,234 |
| Pretax return on assets | 1.5994% | 1,727 |
| Return on Equity (ROE) | 13.3825% | 1,574 |
| Retained earnings to average equity (ytd only) | 13.3825% | 841 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7973% | 3,335 |
| Assets per employee ($millions) | 4.6513% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6383% | 4,643 |
| Loan loss allowance to noncurrent loans | 185.8238% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 2,751 |
| Noncurrent loans to loans | 0.3435% | 2,866 |
| Net loans and leases to total assets | 81.1537% | 270 |
| Net loans and leases to deposits | 90.4900% | 678 |
| Net loans and leases to core deposits | 94.8894% | 930 |
| Total domestic deposits to total assets | 89.6825% | 980 |
| Equity capital to assets | 9.0211% | 3,656 |
| Core capital (leverage) ratio | 9.0938% | 3,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,537,000 | 4,156 |
| Average earning assets | $84,832,000 | 4,157 |
| Average equity | $8,279,500 | 4,411 |
| Average total loans | $75,468,500 | 3,645 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9461% | 100 |
| Cost of funding earning assets | 1.4932% | 85 |
| Net interest margin | 4.4529% | 360 |
| Noninterest income to average assets | 0.5320% | 2,502 |
| Noninterest expense to average assets | 3.0103% | 1,409 |
| Loan and lease loss provision to assets | 0.3575% | 956 |
| Net operating income to assets | 0.9756% | 2,377 |
| Return on assets (ROA) | 0.9756% | 2,524 |
| Pretax return on assets | 1.2191% | 2,264 |
| Return on Equity (ROE) | 11.2632% | 1,540 |
| Retained earnings to average equity (ytd only) | 11.2632% | 406 |
| Net charge-offs to loans | 0.3858% | 448 |
| Credit loss provision to net charge-offs | 114.7860% | 2,684 |
| Earnings coverage of net charge-offs (x) | 5.0623% | 2,910 |
| Efficiency ratio | 65.6275% | 2,590 |
| Assets per employee ($millions) | 4.3832% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5630% | 4,746 |
| Loan loss allowance to noncurrent loans | 169.4779% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 2,949 |
| Noncurrent loans to loans | 0.3322% | 3,017 |
| Net loans and leases to total assets | 80.9751% | 369 |
| Net loans and leases to deposits | 90.1991% | 916 |
| Net loans and leases to core deposits | 95.1418% | 1,174 |
| Total domestic deposits to total assets | 89.7738% | 648 |
| Equity capital to assets | 8.8725% | 4,170 |
| Core capital (leverage) ratio | 9.0536% | 3,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,516,800 | 4,216 |
| Average earning assets | $75,142,000 | 4,219 |
| Average equity | $7,147,200 | 4,509 |
| Average total loans | $66,607,200 | 3,799 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9561% | 117 |
| Cost of funding earning assets | 1.5371% | 105 |
| Net interest margin | 4.4190% | 456 |
| Noninterest income to average assets | 0.5624% | 2,338 |
| Noninterest expense to average assets | 3.0049% | 1,435 |
| Loan and lease loss provision to assets | 0.3856% | 944 |
| Net operating income to assets | 0.9650% | 2,469 |
| Return on assets (ROA) | 0.9650% | 2,599 |
| Pretax return on assets | 1.1847% | 2,444 |
| Return on Equity (ROE) | 11.2201% | 1,616 |
| Retained earnings to average equity (ytd only) | 11.2201% | 533 |
| Net charge-offs to loans | 0.4670% | 321 |
| Credit loss provision to net charge-offs | 102.6549% | 2,601 |
| Earnings coverage of net charge-offs (x) | 4.1770% | 2,847 |
| Efficiency ratio | 65.6727% | 2,507 |
| Assets per employee ($millions) | 4.3969% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5415% | 4,781 |
| Loan loss allowance to noncurrent loans | 148.8550% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 2,961 |
| Noncurrent loans to loans | 0.3638% | 2,982 |
| Net loans and leases to total assets | 81.4640% | 488 |
| Net loans and leases to deposits | 90.2275% | 1,240 |
| Net loans and leases to core deposits | 95.3621% | 1,516 |
| Total domestic deposits to total assets | 90.2874% | 333 |
| Equity capital to assets | 8.1729% | 4,645 |
| Core capital (leverage) ratio | 8.3924% | 4,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,134,000 | 4,248 |
| Average earning assets | $72,775,000 | 4,258 |
| Average equity | $6,892,250 | 4,558 |
| Average total loans | $64,519,500 | 3,855 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0300% | 143 |
| Cost of funding earning assets | 1.6006% | 114 |
| Net interest margin | 4.4294% | 582 |
| Noninterest income to average assets | 0.5469% | 2,364 |
| Noninterest expense to average assets | 3.1264% | 1,294 |
| Loan and lease loss provision to assets | 0.2580% | 1,640 |
| Net operating income to assets | 0.9905% | 2,361 |
| Return on assets (ROA) | 0.9905% | 2,491 |
| Pretax return on assets | 1.1814% | 2,421 |
| Return on Equity (ROE) | 11.3041% | 1,542 |
| Retained earnings to average equity (ytd only) | 11.3041% | 566 |
| Net charge-offs to loans | 0.6160% | 257 |
| Credit loss provision to net charge-offs | 52.3560% | 2,613 |
| Earnings coverage of net charge-offs (x) | 2.9215% | 2,725 |
| Efficiency ratio | 68.4746% | 2,172 |
| Assets per employee ($millions) | 3.9875% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4507% | 4,874 |
| Loan loss allowance to noncurrent loans | 74.3655% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4705% | 2,436 |
| Noncurrent loans to loans | 0.6061% | 2,334 |
| Net loans and leases to total assets | 77.2839% | 955 |
| Net loans and leases to deposits | 85.8804% | 1,780 |
| Net loans and leases to core deposits | 90.3905% | 2,044 |
| Total domestic deposits to total assets | 89.9902% | 402 |
| Equity capital to assets | 8.3582% | 4,560 |
| Core capital (leverage) ratio | 8.4996% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,533,000 | 4,288 |
| Average earning assets | $70,348,667 | 4,306 |
| Average equity | $6,794,000 | 4,590 |
| Average total loans | $62,017,000 | 3,906 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2276% | 123 |
| Cost of funding earning assets | 1.6995% | 131 |
| Net interest margin | 4.5281% | 475 |
| Noninterest income to average assets | 0.5804% | 2,123 |
| Noninterest expense to average assets | 3.1707% | 1,484 |
| Loan and lease loss provision to assets | 0.1988% | 1,525 |
| Net operating income to assets | 0.9835% | 2,232 |
| Return on assets (ROA) | 0.9835% | 2,335 |
| Pretax return on assets | 1.3059% | 1,858 |
| Return on Equity (ROE) | 10.9393% | 1,427 |
| Retained earnings to average equity (ytd only) | 10.9393% | 573 |
| Net charge-offs to loans | 1.0443% | 150 |
| Credit loss provision to net charge-offs | 23.4177% | 2,187 |
| Earnings coverage of net charge-offs (x) | 1.7722% | 2,343 |
| Efficiency ratio | 67.8161% | 2,703 |
| Assets per employee ($millions) | 3.9527% | 3,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4224% | 4,933 |
| Loan loss allowance to noncurrent loans | 57.5492% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 0.6085% | 2,180 |
| Noncurrent loans to loans | 0.7340% | 2,165 |
| Net loans and leases to total assets | 82.5544% | 390 |
| Net loans and leases to deposits | 92.8644% | 1,195 |
| Net loans and leases to core deposits | 99.7233% | 1,496 |
| Total domestic deposits to total assets | 88.8978% | 708 |
| Equity capital to assets | 9.0424% | 4,579 |
| Core capital (leverage) ratio | 9.1098% | 4,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,430,500 | 4,335 |
| Average earning assets | $67,313,500 | 4,364 |
| Average equity | $6,691,500 | 4,635 |
| Average total loans | $60,521,000 | 3,946 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2579% | 150 |
| Cost of funding earning assets | 1.6360% | 262 |
| Net interest margin | 4.6218% | 543 |
| Noninterest income to average assets | 0.6010% | 2,212 |
| Noninterest expense to average assets | 3.4884% | 976 |
| Loan and lease loss provision to assets | 0.0882% | 2,258 |
| Net operating income to assets | 0.8155% | 3,514 |
| Return on assets (ROA) | 0.8155% | 3,602 |
| Pretax return on assets | 1.1755% | 2,929 |
| Return on Equity (ROE) | 8.8424% | 2,828 |
| Retained earnings to average equity (ytd only) | 8.7627% | 769 |
| Net charge-offs to loans | 0.1753% | 1,153 |
| Credit loss provision to net charge-offs | 63.1579% | 3,002 |
| Earnings coverage of net charge-offs (x) | 9.0526% | 2,706 |
| Efficiency ratio | 73.4075% | 1,671 |
| Assets per employee ($millions) | 3.5123% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.9009% | 3,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6533% | 4,642 |
| Loan loss allowance to noncurrent loans | 61.8357% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.8419% | 1,523 |
| Noncurrent loans to loans | 1.0565% | 1,433 |
| Net loans and leases to total assets | 79.1700% | 905 |
| Net loans and leases to deposits | 88.9747% | 1,702 |
| Net loans and leases to core deposits | 96.0570% | 1,896 |
| Total domestic deposits to total assets | 88.9803% | 679 |
| Equity capital to assets | 8.9372% | 4,717 |
| Core capital (leverage) ratio | 8.8477% | 4,640 |
| Tier 1 risk-based capital ratio | 10.1044% | 5,110 |
| Total risk-based capital ratio | 10.6922% | 5,145 |
| Memoranda: | ||
| Average total assets | $68,054,000 | 4,465 |
| Average earning assets | $61,123,000 | 4,490 |
| Average equity | $6,276,600 | 4,724 |
| Average total loans | $54,206,000 | 4,097 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2107% | 172 |
| Cost of funding earning assets | 1.6001% | 297 |
| Net interest margin | 4.6106% | 605 |
| Noninterest income to average assets | 0.5943% | 2,232 |
| Noninterest expense to average assets | 3.4359% | 1,032 |
| Loan and lease loss provision to assets | 0.0901% | 2,102 |
| Net operating income to assets | 0.8705% | 3,451 |
| Return on assets (ROA) | 0.8705% | 3,537 |
| Pretax return on assets | 1.2027% | 2,973 |
| Return on Equity (ROE) | 9.3581% | 2,736 |
| Retained earnings to average equity (ytd only) | 9.2505% | 975 |
| Net charge-offs to loans | 0.1131% | 1,346 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 14.3552% | 2,249 |
| Efficiency ratio | 72.6619% | 1,743 |
| Assets per employee ($millions) | 3.5894% | 4,406 |
| Cash dividends to net income (ytd only)* | 1.1500% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7493% | 4,547 |
| Loan loss allowance to noncurrent loans | 58.0110% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.0085% | 1,322 |
| Noncurrent loans to loans | 1.2916% | 1,199 |
| Net loans and leases to total assets | 77.5004% | 1,228 |
| Net loans and leases to deposits | 87.2872% | 2,022 |
| Net loans and leases to core deposits | 94.5499% | 2,128 |
| Total domestic deposits to total assets | 88.7878% | 694 |
| Equity capital to assets | 9.0280% | 4,767 |
| Core capital (leverage) ratio | 9.2747% | 4,398 |
| Tier 1 risk-based capital ratio | 10.2237% | 5,147 |
| Total risk-based capital ratio | 10.8861% | 5,199 |
| Memoranda: | ||
| Average total assets | $66,627,750 | 4,541 |
| Average earning assets | $59,744,500 | 4,575 |
| Average equity | $6,197,750 | 4,799 |
| Average total loans | $53,062,750 | 4,170 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1833% | 176 |
| Cost of funding earning assets | 1.5863% | 285 |
| Net interest margin | 4.5971% | 621 |
| Noninterest income to average assets | 0.5978% | 2,167 |
| Noninterest expense to average assets | 3.5219% | 931 |
| Loan and lease loss provision to assets | 0.0924% | 2,000 |
| Net operating income to assets | 0.8165% | 3,598 |
| Return on assets (ROA) | 0.8165% | 3,655 |
| Pretax return on assets | 1.1000% | 3,233 |
| Return on Equity (ROE) | 8.6838% | 2,983 |
| Retained earnings to average equity (ytd only) | 8.5199% | 1,196 |
| Net charge-offs to loans | 0.1268% | 1,184 |
| Credit loss provision to net charge-offs | 90.9091% | 2,122 |
| Earnings coverage of net charge-offs (x) | 11.7273% | 2,187 |
| Efficiency ratio | 74.7059% | 1,558 |
| Assets per employee ($millions) | 3.3079% | 4,691 |
| Cash dividends to net income (ytd only)* | 1.8868% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7406% | 4,623 |
| Loan loss allowance to noncurrent loans | 61.2335% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.0294% | 1,348 |
| Noncurrent loans to loans | 1.2095% | 1,322 |
| Net loans and leases to total assets | 84.4778% | 324 |
| Net loans and leases to deposits | 95.8694% | 1,049 |
| Net loans and leases to core deposits | 102.7032% | 1,499 |
| Total domestic deposits to total assets | 88.1177% | 1,048 |
| Equity capital to assets | 9.5304% | 4,377 |
| Core capital (leverage) ratio | 9.4572% | 4,195 |
| Tier 1 risk-based capital ratio | 10.4914% | 5,109 |
| Total risk-based capital ratio | 11.1846% | 5,183 |
| Memoranda: | ||
| Average total assets | $64,907,670 | 4,612 |
| Average earning assets | $58,124,000 | 4,642 |
| Average equity | $6,103,330 | 4,840 |
| Average total loans | $52,065,000 | 4,217 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9106% | 253 |
| Cost of funding earning assets | 1.5507% | 273 |
| Net interest margin | 4.3599% | 989 |
| Noninterest income to average assets | 0.5911% | 2,089 |
| Noninterest expense to average assets | 3.1921% | 1,515 |
| Loan and lease loss provision to assets | 0.0933% | 1,866 |
| Net operating income to assets | 0.9520% | 3,042 |
| Return on assets (ROA) | 0.9520% | 3,084 |
| Pretax return on assets | 1.2072% | 2,779 |
| Return on Equity (ROE) | 10.1958% | 2,278 |
| Retained earnings to average equity (ytd only) | 10.1958% | 987 |
| Net charge-offs to loans | 0.1041% | 1,117 |
| Credit loss provision to net charge-offs | 115.3846% | 1,450 |
| Earnings coverage of net charge-offs (x) | 16.0769% | 1,712 |
| Efficiency ratio | 71.0526% | 2,180 |
| Assets per employee ($millions) | 3.2981% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8334% | 4,410 |
| Loan loss allowance to noncurrent loans | 145.0172% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.4412% | 2,829 |
| Noncurrent loans to loans | 0.5747% | 2,604 |
| Net loans and leases to total assets | 76.1287% | 1,458 |
| Net loans and leases to deposits | 86.3396% | 2,092 |
| Net loans and leases to core deposits | 90.4304% | 2,453 |
| Total domestic deposits to total assets | 88.1735% | 1,244 |
| Equity capital to assets | 9.3645% | 4,372 |
| Core capital (leverage) ratio | 9.4314% | 4,226 |
| Tier 1 risk-based capital ratio | 11.2118% | 4,876 |
| Total risk-based capital ratio | 11.9749% | 4,998 |
| Memoranda: | ||
| Average total assets | $64,283,000 | 4,671 |
| Average earning assets | $57,524,000 | 4,703 |
| Average equity | $6,002,500 | 4,894 |
| Average total loans | $49,945,000 | 4,300 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3139% | 112 |
| Cost of funding earning assets | 1.1506% | 414 |
| Net interest margin | 5.1633% | 202 |
| Noninterest income to average assets | 0.7514% | 1,638 |
| Noninterest expense to average assets | 3.5943% | 881 |
| Loan and lease loss provision to assets | 0.1121% | 1,969 |
| Net operating income to assets | 1.3794% | 1,506 |
| Return on assets (ROA) | 1.3794% | 1,494 |
| Pretax return on assets | 1.7084% | 1,149 |
| Return on Equity (ROE) | 14.8115% | 868 |
| Retained earnings to average equity (ytd only) | 0.9433% | 4,716 |
| Net charge-offs to loans | 0.0200% | 3,031 |
| Credit loss provision to net charge-offs | 666.6667% | 520 |
| Earnings coverage of net charge-offs (x) | 108.2222% | 700 |
| Efficiency ratio | 66.3790% | 2,803 |
| Assets per employee ($millions) | 3.1302% | 4,903 |
| Cash dividends to net income (ytd only)* | 93.6314% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8507% | 4,354 |
| Loan loss allowance to noncurrent loans | 88.0252% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.7603% | 1,838 |
| Noncurrent loans to loans | 0.9665% | 1,676 |
| Net loans and leases to total assets | 78.0030% | 1,271 |
| Net loans and leases to deposits | 88.8147% | 1,947 |
| Net loans and leases to core deposits | 92.8172% | 2,338 |
| Total domestic deposits to total assets | 87.8267% | 1,382 |
| Equity capital to assets | 9.3093% | 4,314 |
| Core capital (leverage) ratio | 9.4782% | 4,136 |
| Tier 1 risk-based capital ratio | 10.9550% | 4,998 |
| Total risk-based capital ratio | 11.7388% | 5,082 |
| Memoranda: | ||
| Average total assets | $53,501,800 | 4,879 |
| Average earning assets | $48,321,800 | 4,887 |
| Average equity | $4,982,600 | 5,053 |
| Average total loans | $44,969,800 | 4,435 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3283% | 101 |
| Cost of funding earning assets | 1.0222% | 543 |
| Net interest margin | 5.3061% | 145 |
| Noninterest income to average assets | 0.6663% | 1,991 |
| Noninterest expense to average assets | 3.5346% | 941 |
| Loan and lease loss provision to assets | 0.1171% | 1,737 |
| Net operating income to assets | 1.4862% | 1,231 |
| Return on assets (ROA) | 1.4862% | 1,229 |
| Pretax return on assets | 1.8245% | 955 |
| Return on Equity (ROE) | 15.9562% | 703 |
| Retained earnings to average equity (ytd only) | -3.3534% | 5,264 |
| Net charge-offs to loans | 0.0213% | 2,712 |
| Credit loss provision to net charge-offs | 642.8571% | 565 |
| Earnings coverage of net charge-offs (x) | 106.6066% | 715 |
| Efficiency ratio | 64.5437% | 3,094 |
| Assets per employee ($millions) | 2.8834% | 5,118 |
| Cash dividends to net income (ytd only)* | 121.0164% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 4,418 |
| Loan loss allowance to noncurrent loans | 95.7647% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.7370% | 2,010 |
| Noncurrent loans to loans | 0.8980% | 1,903 |
| Net loans and leases to total assets | 81.3637% | 814 |
| Net loans and leases to deposits | 96.4460% | 1,098 |
| Net loans and leases to core deposits | 101.3697% | 1,662 |
| Total domestic deposits to total assets | 84.3619% | 2,830 |
| Equity capital to assets | 9.7976% | 3,820 |
| Core capital (leverage) ratio | 10.2065% | 3,402 |
| Tier 1 risk-based capital ratio | 11.1893% | 4,950 |
| Total risk-based capital ratio | 11.9918% | 5,052 |
| Memoranda: | ||
| Average total assets | $51,226,250 | 4,966 |
| Average earning assets | $46,435,750 | 4,978 |
| Average equity | $4,771,250 | 5,142 |
| Average total loans | $43,899,250 | 4,504 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2947% | 97 |
| Cost of funding earning assets | 0.9030% | 723 |
| Net interest margin | 5.3917% | 126 |
| Noninterest income to average assets | 0.6765% | 1,967 |
| Noninterest expense to average assets | 3.5208% | 971 |
| Loan and lease loss provision to assets | 0.1223% | 1,611 |
| Net operating income to assets | 1.5730% | 982 |
| Return on assets (ROA) | 1.5730% | 985 |
| Pretax return on assets | 1.9968% | 610 |
| Return on Equity (ROE) | 17.2386% | 497 |
| Retained earnings to average equity (ytd only) | -13.6211% | 5,461 |
| Net charge-offs to loans | 0.0281% | 2,292 |
| Credit loss provision to net charge-offs | 500.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 86.6667% | 778 |
| Efficiency ratio | 62.4277% | 3,571 |
| Assets per employee ($millions) | 3.0938% | 5,025 |
| Cash dividends to net income (ytd only)* | 179.0155% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 4,516 |
| Loan loss allowance to noncurrent loans | 117.3653% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 2,316 |
| Noncurrent loans to loans | 0.7324% | 2,278 |
| Net loans and leases to total assets | 85.9642% | 268 |
| Net loans and leases to deposits | 100.0509% | 801 |
| Net loans and leases to core deposits | 103.5571% | 1,430 |
| Total domestic deposits to total assets | 85.9204% | 2,319 |
| Equity capital to assets | 8.1987% | 5,133 |
| Core capital (leverage) ratio | 8.5276% | 5,087 |
| Tier 1 risk-based capital ratio | 9.4174% | 5,503 |
| Total risk-based capital ratio | 10.2712% | 5,508 |
| Memoranda: | ||
| Average total assets | $49,079,330 | 5,064 |
| Average earning assets | $45,180,670 | 5,066 |
| Average equity | $4,478,330 | 5,235 |
| Average total loans | $42,756,670 | 4,574 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4685% | 80 |
| Cost of funding earning assets | 0.8465% | 779 |
| Net interest margin | 5.6219% | 93 |
| Noninterest income to average assets | 0.6340% | 2,111 |
| Noninterest expense to average assets | 3.5671% | 909 |
| Loan and lease loss provision to assets | 0.1268% | 1,485 |
| Net operating income to assets | 1.7328% | 639 |
| Return on assets (ROA) | 1.7328% | 649 |
| Pretax return on assets | 2.1047% | 458 |
| Return on Equity (ROE) | 17.9765% | 415 |
| Retained earnings to average equity (ytd only) | -3.4199% | 5,108 |
| Net charge-offs to loans | 0.0581% | 1,522 |
| Credit loss provision to net charge-offs | 250.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 1,012 |
| Efficiency ratio | 61.5160% | 3,869 |
| Assets per employee ($millions) | 2.9904% | 5,159 |
| Cash dividends to net income (ytd only)* | 119.0244% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 4,482 |
| Loan loss allowance to noncurrent loans | 112.8358% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 2,227 |
| Noncurrent loans to loans | 0.7903% | 2,233 |
| Net loans and leases to total assets | 87.8067% | 143 |
| Net loans and leases to deposits | 101.4954% | 613 |
| Net loans and leases to core deposits | 103.6924% | 1,401 |
| Total domestic deposits to total assets | 86.5130% | 2,313 |
| Equity capital to assets | 9.5870% | 4,008 |
| Core capital (leverage) ratio | 9.5801% | 3,985 |
| Tier 1 risk-based capital ratio | 10.7263% | 5,273 |
| Total risk-based capital ratio | 11.6145% | 5,319 |
| Memoranda: | ||
| Average total assets | $47,322,000 | 5,160 |
| Average earning assets | $43,472,500 | 5,154 |
| Average equity | $4,561,500 | 5,281 |
| Average total loans | $41,333,000 | 4,654 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1124% | 115 |
| Cost of funding earning assets | 0.7760% | 711 |
| Net interest margin | 5.3364% | 136 |
| Noninterest income to average assets | 0.7270% | 1,855 |
| Noninterest expense to average assets | 3.8701% | 639 |
| Loan and lease loss provision to assets | 0.1901% | 1,107 |
| Net operating income to assets | 0.9127% | 2,643 |
| Return on assets (ROA) | 0.9127% | 2,670 |
| Pretax return on assets | 1.5279% | 1,530 |
| Return on Equity (ROE) | 9.2274% | 2,201 |
| Retained earnings to average equity (ytd only) | 5.3374% | 1,905 |
| Net charge-offs to loans | 0.1742% | 1,423 |
| Credit loss provision to net charge-offs | 128.7879% | 2,040 |
| Earnings coverage of net charge-offs (x) | 11.6364% | 2,547 |
| Efficiency ratio | 69.2554% | 2,660 |
| Assets per employee ($millions) | 3.3427% | 4,891 |
| Cash dividends to net income (ytd only)* | 42.1569% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 4,387 |
| Loan loss allowance to noncurrent loans | 42.6590% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 1.8676% | 637 |
| Noncurrent loans to loans | 2.1477% | 691 |
| Net loans and leases to total assets | 85.2750% | 316 |
| Net loans and leases to deposits | 96.5336% | 1,036 |
| Net loans and leases to core deposits | 98.6235% | 1,818 |
| Total domestic deposits to total assets | 88.3371% | 1,334 |
| Equity capital to assets | 9.6927% | 4,037 |
| Core capital (leverage) ratio | 9.5445% | 3,987 |
| Tier 1 risk-based capital ratio | 11.0092% | 5,142 |
| Total risk-based capital ratio | 11.9121% | 5,203 |
| Memoranda: | ||
| Average total assets | $44,701,600 | 5,258 |
| Average earning assets | $40,720,400 | 5,261 |
| Average equity | $4,421,600 | 5,355 |
| Average total loans | $37,883,000 | 4,795 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0906% | 118 |
| Cost of funding earning assets | 0.7497% | 760 |
| Net interest margin | 5.3409% | 136 |
| Noninterest income to average assets | 0.7394% | 1,833 |
| Noninterest expense to average assets | 3.8903% | 601 |
| Loan and lease loss provision to assets | 0.1811% | 1,103 |
| Net operating income to assets | 0.8813% | 3,123 |
| Return on assets (ROA) | 0.8813% | 3,167 |
| Pretax return on assets | 1.5271% | 1,676 |
| Return on Equity (ROE) | 8.8623% | 2,688 |
| Retained earnings to average equity (ytd only) | 5.7059% | 2,425 |
| Net charge-offs to loans | 0.1645% | 1,258 |
| Credit loss provision to net charge-offs | 130.4348% | 1,886 |
| Earnings coverage of net charge-offs (x) | 12.3047% | 2,435 |
| Efficiency ratio | 69.4879% | 2,626 |
| Assets per employee ($millions) | 3.1389% | 5,134 |
| Cash dividends to net income (ytd only)* | 35.6159% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 4,439 |
| Loan loss allowance to noncurrent loans | 237.9085% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 3,666 |
| Noncurrent loans to loans | 0.3899% | 3,556 |
| Net loans and leases to total assets | 82.5779% | 593 |
| Net loans and leases to deposits | 93.9018% | 1,312 |
| Net loans and leases to core deposits | 95.9267% | 2,083 |
| Total domestic deposits to total assets | 87.9407% | 1,398 |
| Equity capital to assets | 9.5489% | 4,395 |
| Core capital (leverage) ratio | 9.7837% | 3,842 |
| Tier 1 risk-based capital ratio | 11.1818% | 5,136 |
| Total risk-based capital ratio | 12.0971% | 5,229 |
| Memoranda: | ||
| Average total assets | $44,177,500 | 5,327 |
| Average earning assets | $40,192,000 | 5,326 |
| Average equity | $4,393,000 | 5,416 |
| Average total loans | $37,284,750 | 4,861 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1794% | 103 |
| Cost of funding earning assets | 0.7369% | 735 |
| Net interest margin | 5.4426% | 111 |
| Noninterest income to average assets | 0.7267% | 1,879 |
| Noninterest expense to average assets | 4.0362% | 501 |
| Loan and lease loss provision to assets | 0.2083% | 858 |
| Net operating income to assets | 0.8285% | 3,255 |
| Return on assets (ROA) | 0.8285% | 3,308 |
| Pretax return on assets | 1.4395% | 1,859 |
| Return on Equity (ROE) | 8.2135% | 2,908 |
| Retained earnings to average equity (ytd only) | 5.3686% | 2,482 |
| Net charge-offs to loans | 0.0655% | 1,992 |
| Credit loss provision to net charge-offs | 375.0000% | 825 |
| Earnings coverage of net charge-offs (x) | 29.6667% | 1,473 |
| Efficiency ratio | 71.0098% | 2,511 |
| Assets per employee ($millions) | 2.5800% | 5,520 |
| Cash dividends to net income (ytd only)* | 34.6369% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 4,073 |
| Loan loss allowance to noncurrent loans | 198.9637% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 3,355 |
| Noncurrent loans to loans | 0.5086% | 3,238 |
| Net loans and leases to total assets | 85.6452% | 299 |
| Net loans and leases to deposits | 100.8375% | 678 |
| Net loans and leases to core deposits | 103.2574% | 1,416 |
| Total domestic deposits to total assets | 84.9339% | 2,844 |
| Equity capital to assets | 10.0889% | 3,809 |
| Core capital (leverage) ratio | 10.0863% | 3,420 |
| Tier 1 risk-based capital ratio | 11.4624% | 4,980 |
| Total risk-based capital ratio | 12.4698% | 5,023 |
| Memoranda: | ||
| Average total assets | $43,208,670 | 5,386 |
| Average earning assets | $39,356,330 | 5,383 |
| Average equity | $4,358,670 | 5,463 |
| Average total loans | $36,631,330 | 4,911 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2366% | 95 |
| Cost of funding earning assets | 0.6975% | 854 |
| Net interest margin | 5.5391% | 109 |
| Noninterest income to average assets | 0.7089% | 1,924 |
| Noninterest expense to average assets | 3.8617% | 629 |
| Loan and lease loss provision to assets | 0.2798% | 510 |
| Net operating income to assets | 0.9328% | 2,595 |
| Return on assets (ROA) | 0.9328% | 2,651 |
| Pretax return on assets | 1.6044% | 1,225 |
| Return on Equity (ROE) | 9.2475% | 2,294 |
| Retained earnings to average equity (ytd only) | 9.2475% | 999 |
| Net charge-offs to loans | 0.2669% | 685 |
| Credit loss provision to net charge-offs | 125.0000% | 1,346 |
| Earnings coverage of net charge-offs (x) | 8.4167% | 2,065 |
| Efficiency ratio | 67.2078% | 3,316 |
| Assets per employee ($millions) | 2.5296% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 4,475 |
| Loan loss allowance to noncurrent loans | 68.4615% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.4278% | 1,157 |
| Noncurrent loans to loans | 1.4072% | 1,440 |
| Net loans and leases to total assets | 85.1037% | 277 |
| Net loans and leases to deposits | 97.4751% | 813 |
| Net loans and leases to core deposits | 99.7928% | 1,518 |
| Total domestic deposits to total assets | 87.3082% | 2,070 |
| Equity capital to assets | 10.1200% | 3,603 |
| Core capital (leverage) ratio | 9.9998% | 3,496 |
| Tier 1 risk-based capital ratio | 11.5572% | 4,992 |
| Total risk-based capital ratio | 12.5158% | 5,066 |
| Memoranda: | ||
| Average total assets | $42,883,000 | 5,451 |
| Average earning assets | $38,995,500 | 5,447 |
| Average equity | $4,325,500 | 5,522 |
| Average total loans | $35,973,000 | 4,971 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8763% | 141 |
| Cost of funding earning assets | 0.7318% | 692 |
| Net interest margin | 5.1445% | 185 |
| Noninterest income to average assets | 0.7976% | 1,748 |
| Noninterest expense to average assets | 4.1370% | 508 |
| Loan and lease loss provision to assets | 0.1342% | 1,860 |
| Net operating income to assets | 0.8448% | 3,087 |
| Return on assets (ROA) | 0.8448% | 3,204 |
| Pretax return on assets | 1.1902% | 2,715 |
| Return on Equity (ROE) | 7.6261% | 3,157 |
| Retained earnings to average equity (ytd only) | 7.6261% | 989 |
| Net charge-offs to loans | 0.5604% | 417 |
| Credit loss provision to net charge-offs | 29.1892% | 3,601 |
| Earnings coverage of net charge-offs (x) | 2.8811% | 3,754 |
| Efficiency ratio | 75.7507% | 2,021 |
| Assets per employee ($millions) | 2.5154% | 5,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 4,302 |
| Loan loss allowance to noncurrent loans | 41.6865% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 2.1889% | 600 |
| Noncurrent loans to loans | 2.4063% | 662 |
| Net loans and leases to total assets | 81.0088% | 737 |
| Net loans and leases to deposits | 92.8215% | 1,326 |
| Net loans and leases to core deposits | 94.3922% | 2,069 |
| Total domestic deposits to total assets | 87.2737% | 1,992 |
| Equity capital to assets | 10.0533% | 3,670 |
| Core capital (leverage) ratio | 9.9081% | 3,611 |
| Tier 1 risk-based capital ratio | 11.8216% | 4,843 |
| Total risk-based capital ratio | 12.8107% | 4,920 |
| Memoranda: | ||
| Average total assets | $40,247,000 | 5,539 |
| Average earning assets | $36,485,400 | 5,534 |
| Average equity | $4,458,400 | 5,561 |
| Average total loans | $33,010,600 | 5,098 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9326% | 130 |
| Cost of funding earning assets | 0.7351% | 681 |
| Net interest margin | 5.1975% | 170 |
| Noninterest income to average assets | 0.8077% | 1,732 |
| Noninterest expense to average assets | 4.1260% | 517 |
| Loan and lease loss provision to assets | 0.1313% | 1,786 |
| Net operating income to assets | 1.0365% | 2,262 |
| Return on assets (ROA) | 1.0365% | 2,381 |
| Pretax return on assets | 1.2620% | 2,567 |
| Return on Equity (ROE) | 9.1293% | 2,430 |
| Retained earnings to average equity (ytd only) | 9.1293% | 781 |
| Net charge-offs to loans | 0.7586% | 240 |
| Credit loss provision to net charge-offs | 21.0811% | 3,290 |
| Earnings coverage of net charge-offs (x) | 2.2379% | 3,599 |
| Efficiency ratio | 74.7561% | 2,148 |
| Assets per employee ($millions) | 2.6204% | 5,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9869% | 4,485 |
| Loan loss allowance to noncurrent loans | 42.1053% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 2.1276% | 710 |
| Noncurrent loans to loans | 2.3439% | 780 |
| Net loans and leases to total assets | 80.4036% | 833 |
| Net loans and leases to deposits | 93.5973% | 1,306 |
| Net loans and leases to core deposits | 95.2394% | 2,071 |
| Total domestic deposits to total assets | 85.9037% | 2,408 |
| Equity capital to assets | 11.2913% | 2,711 |
| Core capital (leverage) ratio | 11.0671% | 2,382 |
| Tier 1 risk-based capital ratio | 13.3505% | 3,953 |
| Total risk-based capital ratio | 14.3225% | 4,023 |
| Memoranda: | ||
| Average total assets | $39,618,250 | 5,604 |
| Average earning assets | $35,913,750 | 5,602 |
| Average equity | $4,498,250 | 5,615 |
| Average total loans | $32,515,250 | 5,164 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9471% | 132 |
| Cost of funding earning assets | 0.7377% | 669 |
| Net interest margin | 5.2093% | 165 |
| Noninterest income to average assets | 0.8340% | 1,603 |
| Noninterest expense to average assets | 4.1340% | 520 |
| Loan and lease loss provision to assets | 0.1236% | 1,844 |
| Net operating income to assets | 1.0966% | 1,970 |
| Return on assets (ROA) | 1.0966% | 2,092 |
| Pretax return on assets | 1.3025% | 2,400 |
| Return on Equity (ROE) | 9.6387% | 2,211 |
| Retained earnings to average equity (ytd only) | 9.6387% | 673 |
| Net charge-offs to loans | 1.0811% | 161 |
| Credit loss provision to net charge-offs | 13.8728% | 2,972 |
| Earnings coverage of net charge-offs (x) | 1.6012% | 3,390 |
| Efficiency ratio | 74.3519% | 2,311 |
| Assets per employee ($millions) | 2.4524% | 5,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 4,472 |
| Loan loss allowance to noncurrent loans | 37.8840% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 2.2401% | 671 |
| Noncurrent loans to loans | 2.6604% | 626 |
| Net loans and leases to total assets | 83.3533% | 478 |
| Net loans and leases to deposits | 100.1807% | 684 |
| Net loans and leases to core deposits | 102.0436% | 1,468 |
| Total domestic deposits to total assets | 83.2029% | 3,573 |
| Equity capital to assets | 11.7460% | 2,314 |
| Core capital (leverage) ratio | 11.5073% | 1,989 |
| Tier 1 risk-based capital ratio | 13.4274% | 3,950 |
| Total risk-based capital ratio | 14.4228% | 4,017 |
| Memoranda: | ||
| Average total assets | $38,849,000 | 5,677 |
| Average earning assets | $35,244,330 | 5,686 |
| Average equity | $4,419,670 | 5,693 |
| Average total loans | $32,005,000 | 5,229 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6910% | 187 |
| Cost of funding earning assets | 0.7413% | 663 |
| Net interest margin | 4.9497% | 280 |
| Noninterest income to average assets | 0.8279% | 1,529 |
| Noninterest expense to average assets | 4.3152% | 449 |
| Loan and lease loss provision to assets | 0.1242% | 1,704 |
| Net operating income to assets | 0.7244% | 3,601 |
| Return on assets (ROA) | 0.7244% | 3,712 |
| Pretax return on assets | 0.8796% | 3,932 |
| Return on Equity (ROE) | 6.4740% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.4740% | 2,150 |
| Net charge-offs to loans | 2.0961% | 71 |
| Credit loss provision to net charge-offs | 7.2727% | 2,379 |
| Earnings coverage of net charge-offs (x) | 0.5879% | 2,909 |
| Efficiency ratio | 81.1284% | 1,469 |
| Assets per employee ($millions) | 2.3016% | 5,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 4,431 |
| Loan loss allowance to noncurrent loans | 72.9490% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.1527% | 1,905 |
| Noncurrent loans to loans | 1.4162% | 1,686 |
| Net loans and leases to total assets | 80.5505% | 740 |
| Net loans and leases to deposits | 94.5122% | 1,092 |
| Net loans and leases to core deposits | 96.2322% | 1,772 |
| Total domestic deposits to total assets | 85.2276% | 3,031 |
| Equity capital to assets | 11.3860% | 2,548 |
| Core capital (leverage) ratio | 11.1849% | 2,239 |
| Tier 1 risk-based capital ratio | 13.5245% | 3,967 |
| Total risk-based capital ratio | 14.5491% | 4,024 |
| Memoranda: | ||
| Average total assets | $38,654,000 | 5,739 |
| Average earning assets | $35,073,000 | 5,743 |
| Average equity | $4,325,000 | 5,756 |
| Average total loans | $31,487,500 | 5,290 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7797% | 179 |
| Cost of funding earning assets | 0.7936% | 505 |
| Net interest margin | 4.9860% | 259 |
| Noninterest income to average assets | 0.8802% | 1,501 |
| Noninterest expense to average assets | 4.6364% | 373 |
| Loan and lease loss provision to assets | 0.1284% | 1,876 |
| Net operating income to assets | 0.5324% | 4,575 |
| Return on assets (ROA) | 0.5324% | 4,654 |
| Pretax return on assets | 0.6367% | 4,714 |
| Return on Equity (ROE) | 5.0370% | 4,488 |
| Retained earnings to average equity (ytd only) | 5.0370% | 2,390 |
| Net charge-offs to loans | 0.0631% | 2,966 |
| Credit loss provision to net charge-offs | 252.6316% | 1,145 |
| Earnings coverage of net charge-offs (x) | 15.0526% | 2,235 |
| Efficiency ratio | 85.8346% | 1,005 |
| Assets per employee ($millions) | 2.1212% | 6,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5484% | 1,809 |
| Loan loss allowance to noncurrent loans | 52.0518% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 2.4253% | 648 |
| Noncurrent loans to loans | 2.9747% | 545 |
| Net loans and leases to total assets | 80.2677% | 809 |
| Net loans and leases to deposits | 94.5020% | 1,156 |
| Net loans and leases to core deposits | 96.2743% | 1,819 |
| Total domestic deposits to total assets | 84.9375% | 3,123 |
| Equity capital to assets | 10.9871% | 2,834 |
| Core capital (leverage) ratio | 10.5728% | 2,856 |
| Tier 1 risk-based capital ratio | 13.1447% | 4,208 |
| Total risk-based capital ratio | 14.4006% | 4,125 |
| Memoranda: | ||
| Average total assets | $37,378,000 | 5,815 |
| Average earning assets | $33,894,600 | 5,815 |
| Average equity | $3,950,800 | 5,857 |
| Average total loans | $30,102,400 | 5,353 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7464% | 181 |
| Cost of funding earning assets | 0.7944% | 512 |
| Net interest margin | 4.9520% | 284 |
| Noninterest income to average assets | 0.8607% | 1,580 |
| Noninterest expense to average assets | 4.6587% | 373 |
| Loan and lease loss provision to assets | 0.1291% | 1,754 |
| Net operating income to assets | 0.4626% | 4,925 |
| Return on assets (ROA) | 0.4626% | 5,020 |
| Pretax return on assets | 0.5667% | 5,054 |
| Return on Equity (ROE) | 4.4219% | 4,862 |
| Retained earnings to average equity (ytd only) | 4.4219% | 3,322 |
| Net charge-offs to loans | 0.2368% | 1,111 |
| Credit loss provision to net charge-offs | 67.9245% | 2,801 |
| Earnings coverage of net charge-offs (x) | 3.6606% | 3,472 |
| Efficiency ratio | 87.0060% | 936 |
| Assets per employee ($millions) | 2.0872% | 6,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 2,649 |
| Loan loss allowance to noncurrent loans | 43.5435% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 2.6591% | 619 |
| Noncurrent loans to loans | 3.1914% | 529 |
| Net loans and leases to total assets | 82.1635% | 563 |
| Net loans and leases to deposits | 96.9533% | 913 |
| Net loans and leases to core deposits | 98.8029% | 1,627 |
| Total domestic deposits to total assets | 84.7454% | 3,115 |
| Equity capital to assets | 10.8494% | 3,193 |
| Core capital (leverage) ratio | 10.6258% | 2,899 |
| Tier 1 risk-based capital ratio | 12.8174% | 4,539 |
| Total risk-based capital ratio | 14.0691% | 4,454 |
| Memoranda: | ||
| Average total assets | $37,177,250 | 5,903 |
| Average earning assets | $33,736,250 | 5,895 |
| Average equity | $3,889,750 | 5,950 |
| Average total loans | $29,845,750 | 5,428 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7040% | 196 |
| Cost of funding earning assets | 0.7970% | 509 |
| Net interest margin | 4.9070% | 294 |
| Noninterest income to average assets | 0.8584% | 1,577 |
| Noninterest expense to average assets | 4.5618% | 399 |
| Loan and lease loss provision to assets | 0.1296% | 1,713 |
| Net operating income to assets | 0.5075% | 4,735 |
| Return on assets (ROA) | 0.5075% | 4,850 |
| Pretax return on assets | 0.6208% | 4,928 |
| Return on Equity (ROE) | 4.9116% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.9116% | 2,912 |
| Net charge-offs to loans | 0.2725% | 970 |
| Credit loss provision to net charge-offs | 60.0000% | 2,591 |
| Earnings coverage of net charge-offs (x) | 3.4750% | 3,189 |
| Efficiency ratio | 85.8740% | 1,068 |
| Assets per employee ($millions) | 2.0692% | 6,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 2,421 |
| Loan loss allowance to noncurrent loans | 44.7179% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 2.6178% | 700 |
| Noncurrent loans to loans | 3.2827% | 564 |
| Net loans and leases to total assets | 78.5743% | 997 |
| Net loans and leases to deposits | 92.5405% | 1,315 |
| Net loans and leases to core deposits | 94.3180% | 1,928 |
| Total domestic deposits to total assets | 84.9080% | 3,157 |
| Equity capital to assets | 10.5759% | 3,366 |
| Core capital (leverage) ratio | 10.2604% | 3,267 |
| Tier 1 risk-based capital ratio | 13.0071% | 4,517 |
| Total risk-based capital ratio | 14.2610% | 4,429 |
| Memoranda: | ||
| Average total assets | $37,046,670 | 5,970 |
| Average earning assets | $33,625,330 | 5,964 |
| Average equity | $3,827,670 | 6,021 |
| Average total loans | $29,360,000 | 5,499 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6722% | 203 |
| Cost of funding earning assets | 0.8341% | 414 |
| Net interest margin | 4.8380% | 324 |
| Noninterest income to average assets | 0.7903% | 1,750 |
| Noninterest expense to average assets | 4.7419% | 362 |
| Loan and lease loss provision to assets | 0.1299% | 1,594 |
| Net operating income to assets | 0.1732% | 5,739 |
| Return on assets (ROA) | 0.1732% | 5,815 |
| Pretax return on assets | 0.3140% | 5,617 |
| Return on Equity (ROE) | 1.6967% | 5,757 |
| Retained earnings to average equity (ytd only) | 1.6967% | 4,797 |
| Net charge-offs to loans | 0.4522% | 545 |
| Credit loss provision to net charge-offs | 36.3636% | 2,213 |
| Earnings coverage of net charge-offs (x) | 1.2424% | 2,949 |
| Efficiency ratio | 91.4405% | 751 |
| Assets per employee ($millions) | 2.0878% | 6,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 2,458 |
| Loan loss allowance to noncurrent loans | 43.7120% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 2.6237% | 792 |
| Noncurrent loans to loans | 3.4234% | 573 |
| Net loans and leases to total assets | 75.4929% | 1,280 |
| Net loans and leases to deposits | 88.7204% | 1,538 |
| Net loans and leases to core deposits | 90.4053% | 2,094 |
| Total domestic deposits to total assets | 85.0909% | 3,360 |
| Equity capital to assets | 10.2685% | 3,805 |
| Core capital (leverage) ratio | 10.2938% | 3,221 |
| Tier 1 risk-based capital ratio | 13.3352% | 4,407 |
| Total risk-based capital ratio | 14.5856% | 4,321 |
| Memoranda: | ||
| Average total assets | $36,947,500 | 6,028 |
| Average earning assets | $33,567,500 | 6,025 |
| Average equity | $3,772,000 | 6,091 |
| Average total loans | $29,189,500 | 5,554 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9375% | 169 |
| Cost of funding earning assets | 0.9886% | 245 |
| Net interest margin | 4.9489% | 329 |
| Noninterest income to average assets | 0.9218% | 1,436 |
| Noninterest expense to average assets | 4.7788% | 367 |
| Loan and lease loss provision to assets | 0.1337% | 1,959 |
| Net operating income to assets | 0.6795% | 3,991 |
| Return on assets (ROA) | 0.6795% | 4,109 |
| Pretax return on assets | 0.5263% | 5,179 |
| Return on Equity (ROE) | 7.3089% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.3089% | 1,270 |
| Net charge-offs to loans | 0.1854% | 2,188 |
| Credit loss provision to net charge-offs | 92.3077% | 2,592 |
| Earnings coverage of net charge-offs (x) | 4.5577% | 3,625 |
| Efficiency ratio | 87.8648% | 1,004 |
| Assets per employee ($millions) | 2.1361% | 6,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 2,337 |
| Loan loss allowance to noncurrent loans | 117.9688% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.0574% | 2,637 |
| Noncurrent loans to loans | 1.2983% | 2,283 |
| Net loans and leases to total assets | 80.2005% | 721 |
| Net loans and leases to deposits | 95.2076% | 970 |
| Net loans and leases to core deposits | 96.1505% | 1,702 |
| Total domestic deposits to total assets | 84.2375% | 3,614 |
| Equity capital to assets | 10.1476% | 3,928 |
| Core capital (leverage) ratio | 9.7474% | 3,906 |
| Tier 1 risk-based capital ratio | 12.6539% | 4,943 |
| Total risk-based capital ratio | 13.9094% | 4,856 |
| Memoranda: | ||
| Average total assets | $35,908,600 | 6,131 |
| Average earning assets | $32,775,000 | 6,122 |
| Average equity | $3,338,400 | 6,210 |
| Average total loans | $28,047,800 | 5,652 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8321% | 184 |
| Cost of funding earning assets | 1.0148% | 232 |
| Net interest margin | 4.8173% | 414 |
| Noninterest income to average assets | 0.9420% | 1,387 |
| Noninterest expense to average assets | 4.7326% | 374 |
| Loan and lease loss provision to assets | 0.1341% | 1,866 |
| Net operating income to assets | 0.3463% | 5,439 |
| Return on assets (ROA) | 0.3463% | 5,508 |
| Pretax return on assets | 0.4766% | 5,391 |
| Return on Equity (ROE) | 3.8133% | 5,247 |
| Retained earnings to average equity (ytd only) | 3.8133% | 3,940 |
| Net charge-offs to loans | -0.0048% | 5,291 |
| Credit loss provision to net charge-offs | -3,600.0000% | 6,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5714% | 950 |
| Assets per employee ($millions) | 1.9713% | 6,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6965% | 1,983 |
| Loan loss allowance to noncurrent loans | 111.5385% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.2456% | 2,467 |
| Noncurrent loans to loans | 1.5210% | 2,130 |
| Net loans and leases to total assets | 80.5067% | 660 |
| Net loans and leases to deposits | 94.7653% | 976 |
| Net loans and leases to core deposits | 95.7179% | 1,694 |
| Total domestic deposits to total assets | 84.9538% | 3,355 |
| Equity capital to assets | 9.7847% | 4,438 |
| Core capital (leverage) ratio | 10.1272% | 3,498 |
| Tier 1 risk-based capital ratio | 12.8166% | 4,966 |
| Total risk-based capital ratio | 14.0740% | 4,879 |
| Memoranda: | ||
| Average total assets | $35,807,250 | 6,208 |
| Average earning assets | $32,714,750 | 6,197 |
| Average equity | $3,251,750 | 6,296 |
| Average total loans | $27,665,500 | 5,721 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6628% | 236 |
| Cost of funding earning assets | 1.0351% | 216 |
| Net interest margin | 4.6277% | 557 |
| Noninterest income to average assets | 0.9411% | 1,358 |
| Noninterest expense to average assets | 4.5663% | 421 |
| Loan and lease loss provision to assets | 0.1336% | 1,853 |
| Net operating income to assets | 0.3787% | 5,297 |
| Return on assets (ROA) | 0.3787% | 5,365 |
| Pretax return on assets | 0.4733% | 5,351 |
| Return on Equity (ROE) | 4.2790% | 5,028 |
| Retained earnings to average equity (ytd only) | 4.2790% | 3,452 |
| Net charge-offs to loans | 0.0074% | 4,135 |
| Credit loss provision to net charge-offs | 2,400.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 523 |
| Efficiency ratio | 88.2670% | 1,059 |
| Assets per employee ($millions) | 2.1141% | 6,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7299% | 2,039 |
| Loan loss allowance to noncurrent loans | 112.4413% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.2771% | 2,563 |
| Noncurrent loans to loans | 1.5385% | 2,255 |
| Net loans and leases to total assets | 75.7123% | 1,206 |
| Net loans and leases to deposits | 88.7479% | 1,507 |
| Net loans and leases to core deposits | 89.6248% | 2,160 |
| Total domestic deposits to total assets | 85.3116% | 3,355 |
| Equity capital to assets | 9.4435% | 4,798 |
| Core capital (leverage) ratio | 9.8020% | 3,886 |
| Tier 1 risk-based capital ratio | 12.8439% | 5,009 |
| Total risk-based capital ratio | 14.0955% | 4,947 |
| Memoranda: | ||
| Average total assets | $35,915,000 | 6,268 |
| Average earning assets | $32,845,670 | 6,253 |
| Average equity | $3,178,330 | 6,351 |
| Average total loans | $27,200,670 | 5,781 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5518% | 266 |
| Cost of funding earning assets | 1.0326% | 239 |
| Net interest margin | 4.5192% | 630 |
| Noninterest income to average assets | 0.9024% | 1,385 |
| Noninterest expense to average assets | 4.7350% | 372 |
| Loan and lease loss provision to assets | 0.1337% | 1,810 |
| Net operating income to assets | 0.1783% | 5,857 |
| Return on assets (ROA) | 0.1783% | 5,900 |
| Pretax return on assets | 0.1783% | 5,958 |
| Return on Equity (ROE) | 2.0844% | 5,756 |
| Retained earnings to average equity (ytd only) | 2.0844% | 4,769 |
| Net charge-offs to loans | -0.0594% | 5,885 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8190% | 762 |
| Assets per employee ($millions) | 2.0998% | 6,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7463% | 2,206 |
| Loan loss allowance to noncurrent loans | 121.9638% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.1766% | 2,903 |
| Noncurrent loans to loans | 1.4318% | 2,637 |
| Net loans and leases to total assets | 74.3949% | 1,206 |
| Net loans and leases to deposits | 86.9064% | 1,478 |
| Net loans and leases to core deposits | 87.7681% | 2,120 |
| Total domestic deposits to total assets | 85.6034% | 3,558 |
| Equity capital to assets | 8.7993% | 5,340 |
| Core capital (leverage) ratio | 9.0409% | 4,948 |
| Tier 1 risk-based capital ratio | 11.9654% | 5,665 |
| Total risk-based capital ratio | 13.2100% | 5,602 |
| Memoranda: | ||
| Average total assets | $35,902,500 | 6,332 |
| Average earning assets | $32,926,000 | 6,316 |
| Average equity | $3,070,500 | 6,434 |
| Average total loans | $26,956,000 | 5,859 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4500% | 394 |
| Cost of funding earning assets | 1.1225% | 247 |
| Net interest margin | 4.3275% | 1,043 |
| Noninterest income to average assets | 0.8490% | 1,871 |
| Noninterest expense to average assets | 4.2698% | 652 |
| Loan and lease loss provision to assets | 0.3859% | 784 |
| Net operating income to assets | 0.1571% | 5,927 |
| Return on assets (ROA) | 0.1571% | 5,991 |
| Pretax return on assets | 0.1571% | 6,009 |
| Return on Equity (ROE) | 1.8438% | 5,896 |
| Retained earnings to average equity (ytd only) | -1.2616% | 6,093 |
| Net charge-offs to loans | 0.2279% | 2,637 |
| Credit loss provision to net charge-offs | 237.2881% | 968 |
| Earnings coverage of net charge-offs (x) | 3.3390% | 3,883 |
| Efficiency ratio | 88.7171% | 1,143 |
| Assets per employee ($millions) | 2.1241% | 6,600 |
| Cash dividends to net income (ytd only)* | 168.4211% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6999% | 2,404 |
| Loan loss allowance to noncurrent loans | 116.2850% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.1798% | 3,040 |
| Noncurrent loans to loans | 1.4618% | 2,700 |
| Net loans and leases to total assets | 73.1867% | 1,494 |
| Net loans and leases to deposits | 86.1291% | 1,669 |
| Net loans and leases to core deposits | 87.7536% | 2,271 |
| Total domestic deposits to total assets | 84.9733% | 3,763 |
| Equity capital to assets | 8.3082% | 5,772 |
| Core capital (leverage) ratio | 8.4430% | 5,730 |
| Tier 1 risk-based capital ratio | 11.5541% | 5,878 |
| Total risk-based capital ratio | 12.8103% | 5,817 |
| Memoranda: | ||
| Average total assets | $36,277,800 | 6,384 |
| Average earning assets | $33,229,600 | 6,366 |
| Average equity | $3,091,400 | 6,520 |
| Average total loans | $25,889,000 | 5,940 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4138% | 429 |
| Cost of funding earning assets | 1.1269% | 264 |
| Net interest margin | 4.2869% | 1,121 |
| Noninterest income to average assets | 0.8039% | 2,126 |
| Noninterest expense to average assets | 4.2033% | 685 |
| Loan and lease loss provision to assets | 0.1322% | 2,633 |
| Net operating income to assets | 0.3928% | 5,269 |
| Return on assets (ROA) | 0.3928% | 5,407 |
| Pretax return on assets | 0.3928% | 5,643 |
| Return on Equity (ROE) | 4.5809% | 4,943 |
| Retained earnings to average equity (ytd only) | 1.9693% | 5,147 |
| Net charge-offs to loans | 0.3068% | 2,001 |
| Credit loss provision to net charge-offs | 61.0169% | 3,276 |
| Earnings coverage of net charge-offs (x) | 2.4238% | 4,021 |
| Efficiency ratio | 88.8975% | 1,089 |
| Assets per employee ($millions) | 2.0955% | 6,678 |
| Cash dividends to net income (ytd only)* | 57.0097% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 4,121 |
| Loan loss allowance to noncurrent loans | 247.8873% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 4,945 |
| Noncurrent loans to loans | 0.5454% | 4,833 |
| Net loans and leases to total assets | 72.0918% | 1,583 |
| Net loans and leases to deposits | 84.7339% | 1,773 |
| Net loans and leases to core deposits | 86.3464% | 2,373 |
| Total domestic deposits to total assets | 85.0803% | 3,699 |
| Equity capital to assets | 8.8171% | 5,400 |
| Core capital (leverage) ratio | 8.9442% | 5,213 |
| Tier 1 risk-based capital ratio | 12.1792% | 5,664 |
| Total risk-based capital ratio | 13.4302% | 5,599 |
| Memoranda: | ||
| Average total assets | $36,320,000 | 6,454 |
| Average earning assets | $33,247,750 | 6,441 |
| Average equity | $3,114,250 | 6,587 |
| Average total loans | $25,640,250 | 6,003 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3816% | 459 |
| Cost of funding earning assets | 1.1421% | 270 |
| Net interest margin | 4.2395% | 1,166 |
| Noninterest income to average assets | 0.7989% | 2,191 |
| Noninterest expense to average assets | 4.1037% | 769 |
| Loan and lease loss provision to assets | 0.1313% | 2,677 |
| Net operating income to assets | 0.4432% | 5,045 |
| Return on assets (ROA) | 0.4432% | 5,210 |
| Pretax return on assets | 0.4432% | 5,537 |
| Return on Equity (ROE) | 5.2168% | 4,609 |
| Retained earnings to average equity (ytd only) | 1.2881% | 5,380 |
| Net charge-offs to loans | 0.5175% | 1,267 |
| Credit loss provision to net charge-offs | 36.3636% | 3,485 |
| Earnings coverage of net charge-offs (x) | 1.5909% | 3,994 |
| Efficiency ratio | 87.7193% | 1,250 |
| Assets per employee ($millions) | 2.1055% | 6,716 |
| Cash dividends to net income (ytd only)* | 75.3086% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 4,492 |
| Loan loss allowance to noncurrent loans | 214.8387% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5615% | 4,844 |
| Noncurrent loans to loans | 0.6065% | 4,738 |
| Net loans and leases to total assets | 70.4699% | 1,808 |
| Net loans and leases to deposits | 82.7071% | 1,961 |
| Net loans and leases to core deposits | 84.2682% | 2,520 |
| Total domestic deposits to total assets | 85.2042% | 3,795 |
| Equity capital to assets | 8.5936% | 5,676 |
| Core capital (leverage) ratio | 8.6437% | 5,493 |
| Tier 1 risk-based capital ratio | 12.2631% | 5,648 |
| Total risk-based capital ratio | 13.5330% | 5,582 |
| Memoranda: | ||
| Average total assets | $36,552,000 | 6,492 |
| Average earning assets | $33,447,330 | 6,485 |
| Average equity | $3,105,330 | 6,635 |
| Average total loans | $25,509,000 | 6,041 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3810% | 446 |
| Cost of funding earning assets | 1.1471% | 292 |
| Net interest margin | 4.2338% | 1,110 |
| Noninterest income to average assets | 0.7040% | 2,568 |
| Noninterest expense to average assets | 4.1158% | 781 |
| Loan and lease loss provision to assets | 0.1300% | 2,620 |
| Net operating income to assets | 0.3358% | 5,416 |
| Return on assets (ROA) | 0.3358% | 5,554 |
| Pretax return on assets | 0.3358% | 5,761 |
| Return on Equity (ROE) | 3.9744% | 5,105 |
| Retained earnings to average equity (ytd only) | 3.9744% | 3,850 |
| Net charge-offs to loans | 0.4709% | 1,272 |
| Credit loss provision to net charge-offs | 40.0000% | 2,745 |
| Earnings coverage of net charge-offs (x) | 1.4333% | 3,353 |
| Efficiency ratio | 89.8345% | 1,162 |
| Assets per employee ($millions) | 2.3446% | 6,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 4,127 |
| Loan loss allowance to noncurrent loans | 166.0465% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6958% | 4,635 |
| Noncurrent loans to loans | 0.8558% | 4,405 |
| Net loans and leases to total assets | 66.0224% | 2,367 |
| Net loans and leases to deposits | 77.0981% | 2,474 |
| Net loans and leases to core deposits | 78.4759% | 2,996 |
| Total domestic deposits to total assets | 85.6343% | 3,718 |
| Equity capital to assets | 8.3411% | 6,159 |
| Core capital (leverage) ratio | 8.4675% | 5,632 |
| Tier 1 risk-based capital ratio | 12.0183% | 5,904 |
| Total risk-based capital ratio | 13.3053% | 5,837 |
| Memoranda: | ||
| Average total assets | $36,931,000 | 6,550 |
| Average earning assets | $33,823,000 | 6,532 |
| Average equity | $3,120,000 | 6,694 |
| Average total loans | $25,485,000 | 6,095 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6436% | 469 |
| Cost of funding earning assets | 1.1961% | 594 |
| Net interest margin | 4.4475% | 1,055 |
| Noninterest income to average assets | 0.8552% | 2,017 |
| Noninterest expense to average assets | 4.1017% | 857 |
| Loan and lease loss provision to assets | 0.1412% | 3,842 |
| Net operating income to assets | 0.6670% | 3,901 |
| Return on assets (ROA) | 0.6670% | 4,170 |
| Pretax return on assets | 0.6670% | 4,769 |
| Return on Equity (ROE) | 7.9928% | 3,083 |
| Retained earnings to average equity (ytd only) | 5.9366% | 2,115 |
| Net charge-offs to loans | 0.2713% | 3,307 |
| Credit loss provision to net charge-offs | 71.8310% | 4,104 |
| Earnings coverage of net charge-offs (x) | 4.1127% | 3,478 |
| Efficiency ratio | 83.5400% | 1,684 |
| Assets per employee ($millions) | 2.4233% | 6,680 |
| Cash dividends to net income (ytd only)* | 25.7261% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 3,936 |
| Loan loss allowance to noncurrent loans | 103.8781% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 1.0922% | 3,829 |
| Noncurrent loans to loans | 1.3967% | 3,511 |
| Net loans and leases to total assets | 70.0735% | 1,830 |
| Net loans and leases to deposits | 82.5052% | 1,936 |
| Net loans and leases to core deposits | 84.0377% | 2,547 |
| Total domestic deposits to total assets | 84.9322% | 3,894 |
| Equity capital to assets | 8.5587% | 6,002 |
| Core capital (leverage) ratio | 8.4192% | 5,733 |
| Tier 1 risk-based capital ratio | 11.7515% | 5,931 |
| Total risk-based capital ratio | 13.0268% | 5,890 |
| Memoranda: | ||
| Average total assets | $36,131,400 | 6,604 |
| Average earning assets | $32,939,800 | 6,584 |
| Average equity | $3,015,200 | 6,779 |
| Average total loans | $26,170,800 | 6,132 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6647% | 499 |
| Cost of funding earning assets | 1.2269% | 613 |
| Net interest margin | 4.4378% | 1,121 |
| Noninterest income to average assets | 0.9091% | 1,798 |
| Noninterest expense to average assets | 4.1798% | 742 |
| Loan and lease loss provision to assets | 0.1441% | 3,733 |
| Net operating income to assets | 0.6357% | 4,210 |
| Return on assets (ROA) | 0.6357% | 4,463 |
| Pretax return on assets | 0.6357% | 5,064 |
| Return on Equity (ROE) | 7.6667% | 3,441 |
| Retained earnings to average equity (ytd only) | 4.9030% | 3,436 |
| Net charge-offs to loans | 0.2031% | 3,515 |
| Credit loss provision to net charge-offs | 97.5000% | 3,071 |
| Earnings coverage of net charge-offs (x) | 5.2753% | 3,060 |
| Efficiency ratio | 84.2772% | 1,557 |
| Assets per employee ($millions) | 2.2441% | 6,898 |
| Cash dividends to net income (ytd only)* | 36.0441% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 3,897 |
| Loan loss allowance to noncurrent loans | 97.5309% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 1.2282% | 3,837 |
| Noncurrent loans to loans | 1.5510% | 3,459 |
| Net loans and leases to total assets | 71.6279% | 1,617 |
| Net loans and leases to deposits | 84.5319% | 1,800 |
| Net loans and leases to core deposits | 86.1228% | 2,447 |
| Total domestic deposits to total assets | 84.7347% | 3,868 |
| Equity capital to assets | 8.4501% | 6,307 |
| Core capital (leverage) ratio | 8.4640% | 5,804 |
| Tier 1 risk-based capital ratio | 11.4025% | 6,292 |
| Total risk-based capital ratio | 12.6762% | 6,242 |
| Memoranda: | ||
| Average total assets | $36,077,000 | 6,687 |
| Average earning assets | $32,928,500 | 6,668 |
| Average equity | $2,991,250 | 6,872 |
| Average total loans | $26,252,000 | 6,205 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6773% | 507 |
| Cost of funding earning assets | 1.2434% | 673 |
| Net interest margin | 4.4339% | 1,121 |
| Noninterest income to average assets | 0.9631% | 1,567 |
| Noninterest expense to average assets | 4.0460% | 891 |
| Loan and lease loss provision to assets | 0.1494% | 3,654 |
| Net operating income to assets | 0.8136% | 3,340 |
| Return on assets (ROA) | 0.8136% | 3,595 |
| Pretax return on assets | 0.8136% | 4,431 |
| Return on Equity (ROE) | 9.8757% | 2,408 |
| Retained earnings to average equity (ytd only) | 9.8757% | 1,006 |
| Net charge-offs to loans | 0.3118% | 2,782 |
| Credit loss provision to net charge-offs | 65.8537% | 3,662 |
| Earnings coverage of net charge-offs (x) | 4.2439% | 3,138 |
| Efficiency ratio | 80.7735% | 2,069 |
| Assets per employee ($millions) | 2.2891% | 6,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 4,283 |
| Loan loss allowance to noncurrent loans | 115.1057% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 1.0102% | 4,355 |
| Noncurrent loans to loans | 1.2519% | 4,045 |
| Net loans and leases to total assets | 71.1462% | 1,710 |
| Net loans and leases to deposits | 83.8849% | 1,865 |
| Net loans and leases to core deposits | 84.5929% | 2,613 |
| Total domestic deposits to total assets | 84.8141% | 3,944 |
| Equity capital to assets | 8.3684% | 6,327 |
| Core capital (leverage) ratio | 8.6125% | 5,497 |
| Tier 1 risk-based capital ratio | 11.3650% | 6,301 |
| Total risk-based capital ratio | 12.6510% | 6,252 |
| Memoranda: | ||
| Average total assets | $36,134,330 | 6,729 |
| Average earning assets | $32,973,330 | 6,711 |
| Average equity | $2,977,000 | 6,918 |
| Average total loans | $26,298,330 | 6,243 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7300% | 488 |
| Cost of funding earning assets | 1.2733% | 707 |
| Net interest margin | 4.4567% | 1,096 |
| Noninterest income to average assets | 0.7913% | 2,204 |
| Noninterest expense to average assets | 4.1127% | 813 |
| Loan and lease loss provision to assets | 0.1337% | 3,682 |
| Net operating income to assets | 0.6019% | 4,333 |
| Return on assets (ROA) | 0.6019% | 4,553 |
| Pretax return on assets | 0.6019% | 5,112 |
| Return on Equity (ROE) | 7.3645% | 3,576 |
| Retained earnings to average equity (ytd only) | 7.3645% | 2,248 |
| Net charge-offs to loans | 0.5490% | 1,716 |
| Credit loss provision to net charge-offs | 33.3333% | 3,566 |
| Earnings coverage of net charge-offs (x) | 1.8333% | 3,420 |
| Efficiency ratio | 84.8276% | 1,594 |
| Assets per employee ($millions) | 2.2597% | 7,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 4,595 |
| Loan loss allowance to noncurrent loans | 93.2161% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.2419% | 4,062 |
| Noncurrent loans to loans | 1.5054% | 3,863 |
| Net loans and leases to total assets | 72.1007% | 1,385 |
| Net loans and leases to deposits | 85.1033% | 1,526 |
| Net loans and leases to core deposits | 85.8319% | 2,310 |
| Total domestic deposits to total assets | 84.7213% | 4,156 |
| Equity capital to assets | 8.1704% | 6,396 |
| Core capital (leverage) ratio | 8.2985% | 5,874 |
| Tier 1 risk-based capital ratio | 11.1115% | 6,486 |
| Total risk-based capital ratio | 12.3975% | 6,456 |
| Memoranda: | ||
| Average total assets | $35,888,500 | 6,796 |
| Average earning assets | $32,670,000 | 6,775 |
| Average equity | $2,933,000 | 6,976 |
| Average total loans | $26,228,000 | 6,295 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9274% | 490 |
| Cost of funding earning assets | 1.5503% | 584 |
| Net interest margin | 4.3771% | 1,454 |
| Noninterest income to average assets | 0.7790% | 2,173 |
| Noninterest expense to average assets | 3.9008% | 1,181 |
| Loan and lease loss provision to assets | 0.5448% | 1,922 |
| Net operating income to assets | 0.3020% | 5,243 |
| Return on assets (ROA) | 0.3020% | 5,398 |
| Pretax return on assets | 0.3020% | 5,551 |
| Return on Equity (ROE) | 3.7602% | 4,976 |
| Retained earnings to average equity (ytd only) | 0.9488% | 5,415 |
| Net charge-offs to loans | 0.2983% | 3,915 |
| Credit loss provision to net charge-offs | 244.3038% | 991 |
| Earnings coverage of net charge-offs (x) | 3.7975% | 3,383 |
| Efficiency ratio | 82.1641% | 1,994 |
| Assets per employee ($millions) | 2.2264% | 7,062 |
| Cash dividends to net income (ytd only)* | 74.7664% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 3,925 |
| Loan loss allowance to noncurrent loans | 60.0910% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 2.8943% | 2,087 |
| Noncurrent loans to loans | 2.5330% | 2,593 |
| Net loans and leases to total assets | 71.9247% | 1,657 |
| Net loans and leases to deposits | 85.2697% | 1,766 |
| Net loans and leases to core deposits | 86.7479% | 2,537 |
| Total domestic deposits to total assets | 84.3496% | 4,166 |
| Equity capital to assets | 8.1747% | 6,458 |
| Core capital (leverage) ratio | 8.1746% | 6,040 |
| Tier 1 risk-based capital ratio | 11.1581% | 6,369 |
| Total risk-based capital ratio | 12.4462% | 6,330 |
| Memoranda: | ||
| Average total assets | $35,428,400 | 6,814 |
| Average earning assets | $32,121,800 | 6,804 |
| Average equity | $2,845,600 | 7,045 |
| Average total loans | $26,480,000 | 6,326 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9068% | 552 |
| Cost of funding earning assets | 1.5785% | 640 |
| Net interest margin | 4.3283% | 1,616 |
| Noninterest income to average assets | 0.8102% | 2,007 |
| Noninterest expense to average assets | 3.9607% | 1,050 |
| Loan and lease loss provision to assets | 0.3203% | 2,977 |
| Net operating income to assets | 0.4560% | 4,742 |
| Return on assets (ROA) | 0.4560% | 4,935 |
| Pretax return on assets | 0.4560% | 5,298 |
| Return on Equity (ROE) | 5.7027% | 4,175 |
| Retained earnings to average equity (ytd only) | 1.9325% | 5,170 |
| Net charge-offs to loans | 0.1654% | 4,465 |
| Credit loss provision to net charge-offs | 257.5758% | 1,108 |
| Earnings coverage of net charge-offs (x) | 6.2423% | 2,590 |
| Efficiency ratio | 83.6118% | 1,769 |
| Assets per employee ($millions) | 2.1848% | 7,153 |
| Cash dividends to net income (ytd only)* | 66.1129% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 5,231 |
| Loan loss allowance to noncurrent loans | 50.6829% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 2.9494% | 2,183 |
| Noncurrent loans to loans | 2.4726% | 2,804 |
| Net loans and leases to total assets | 75.2889% | 1,097 |
| Net loans and leases to deposits | 89.9115% | 1,223 |
| Net loans and leases to core deposits | 90.7079% | 2,162 |
| Total domestic deposits to total assets | 83.7367% | 4,352 |
| Equity capital to assets | 8.2847% | 6,496 |
| Core capital (leverage) ratio | 8.2948% | 5,982 |
| Tier 1 risk-based capital ratio | 11.0881% | 6,488 |
| Total risk-based capital ratio | 12.3717% | 6,455 |
| Memoranda: | ||
| Average total assets | $35,380,000 | 6,882 |
| Average earning assets | $32,097,750 | 6,866 |
| Average equity | $2,829,000 | 7,117 |
| Average total loans | $26,595,750 | 6,380 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9370% | 537 |
| Cost of funding earning assets | 1.6073% | 676 |
| Net interest margin | 4.3297% | 1,567 |
| Noninterest income to average assets | 0.7545% | 2,240 |
| Noninterest expense to average assets | 3.8456% | 1,285 |
| Loan and lease loss provision to assets | 0.2140% | 3,777 |
| Net operating income to assets | 0.6081% | 4,023 |
| Return on assets (ROA) | 0.6081% | 4,151 |
| Pretax return on assets | 0.6081% | 4,724 |
| Return on Equity (ROE) | 7.6960% | 3,100 |
| Retained earnings to average equity (ytd only) | 1.9952% | 4,979 |
| Net charge-offs to loans | 0.2107% | 3,885 |
| Credit loss provision to net charge-offs | 135.7143% | 2,243 |
| Earnings coverage of net charge-offs (x) | 5.2143% | 2,666 |
| Efficiency ratio | 82.3884% | 2,051 |
| Assets per employee ($millions) | 2.1893% | 7,188 |
| Cash dividends to net income (ytd only)* | 74.0741% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 5,911 |
| Loan loss allowance to noncurrent loans | 58.9431% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 2.4694% | 2,699 |
| Noncurrent loans to loans | 1.8856% | 3,626 |
| Net loans and leases to total assets | 73.6590% | 1,482 |
| Net loans and leases to deposits | 87.3933% | 1,592 |
| Net loans and leases to core deposits | 88.1577% | 2,624 |
| Total domestic deposits to total assets | 84.2845% | 4,219 |
| Equity capital to assets | 8.2360% | 6,483 |
| Core capital (leverage) ratio | 8.2068% | 6,020 |
| Tier 1 risk-based capital ratio | 11.2368% | 6,361 |
| Total risk-based capital ratio | 12.3718% | 6,430 |
| Memoranda: | ||
| Average total assets | $35,521,330 | 6,937 |
| Average earning assets | $32,104,000 | 6,931 |
| Average equity | $2,806,670 | 7,181 |
| Average total loans | $26,577,000 | 6,446 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9027% | 591 |
| Cost of funding earning assets | 1.6053% | 800 |
| Net interest margin | 4.2974% | 1,570 |
| Noninterest income to average assets | 0.6822% | 2,669 |
| Noninterest expense to average assets | 3.7576% | 1,424 |
| Loan and lease loss provision to assets | 0.2460% | 3,202 |
| Net operating income to assets | 0.5704% | 4,179 |
| Return on assets (ROA) | 0.5704% | 4,256 |
| Pretax return on assets | 0.5704% | 4,798 |
| Return on Equity (ROE) | 7.3713% | 3,212 |
| Retained earnings to average equity (ytd only) | -4.1915% | 6,440 |
| Net charge-offs to loans | 0.3878% | 2,524 |
| Credit loss provision to net charge-offs | 84.6154% | 3,049 |
| Earnings coverage of net charge-offs (x) | 2.8077% | 2,961 |
| Efficiency ratio | 82.1516% | 2,205 |
| Assets per employee ($millions) | 2.1849% | 7,264 |
| Cash dividends to net income (ytd only)* | 156.8627% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 6,252 |
| Loan loss allowance to noncurrent loans | 43.9179% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 1.8107% | 3,554 |
| Noncurrent loans to loans | 2.3674% | 3,118 |
| Net loans and leases to total assets | 75.6887% | 1,070 |
| Net loans and leases to deposits | 89.1389% | 1,334 |
| Net loans and leases to core deposits | 90.7034% | 2,276 |
| Total domestic deposits to total assets | 84.9109% | 4,075 |
| Equity capital to assets | 7.8807% | 6,611 |
| Core capital (leverage) ratio | 7.8907% | 6,377 |
| Tier 1 risk-based capital ratio | 10.7344% | 6,674 |
| Total risk-based capital ratio | 11.8006% | 6,768 |
| Memoranda: | ||
| Average total assets | $35,767,500 | 6,973 |
| Average earning assets | $32,392,000 | 6,975 |
| Average equity | $2,767,500 | 7,232 |
| Average total loans | $26,819,500 | 6,482 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0489% | 778 |
| Cost of funding earning assets | 1.8418% | 1,020 |
| Net interest margin | 4.2071% | 2,155 |
| Noninterest income to average assets | 0.7509% | 2,539 |
| Noninterest expense to average assets | 3.7377% | 1,608 |
| Loan and lease loss provision to assets | 0.3952% | 3,747 |
| Net operating income to assets | 0.4291% | 4,413 |
| Return on assets (ROA) | 0.4291% | 4,562 |
| Pretax return on assets | 0.4291% | 4,851 |
| Return on Equity (ROE) | 5.5454% | 3,818 |
| Retained earnings to average equity (ytd only) | 5.5454% | 2,086 |
| Net charge-offs to loans | 0.9201% | 2,340 |
| Credit loss provision to net charge-offs | 58.0913% | 6,111 |
| Earnings coverage of net charge-offs (x) | 1.2116% | 4,895 |
| Efficiency ratio | 81.9307% | 2,174 |
| Assets per employee ($millions) | 2.2860% | 7,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 6,158 |
| Loan loss allowance to noncurrent loans | 76.6304% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.0061% | 4,990 |
| Noncurrent loans to loans | 1.3680% | 4,433 |
| Net loans and leases to total assets | 72.7772% | 1,930 |
| Net loans and leases to deposits | 87.2525% | 1,903 |
| Net loans and leases to core deposits | 90.2370% | 2,732 |
| Total domestic deposits to total assets | 83.4099% | 4,645 |
| Equity capital to assets | 7.6006% | 6,816 |
| Core capital (leverage) ratio | 7.7179% | 6,530 |
| Tier 1 risk-based capital ratio | 10.7538% | 6,527 |
| Total risk-based capital ratio | 11.8257% | 6,625 |
| Memoranda: | ||
| Average total assets | $35,422,400 | 7,028 |
| Average earning assets | $32,088,400 | 7,015 |
| Average equity | $2,741,000 | 7,343 |
| Average total loans | $26,193,200 | 6,601 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0353% | 870 |
| Cost of funding earning assets | 1.8766% | 1,105 |
| Net interest margin | 4.1587% | 2,370 |
| Noninterest income to average assets | 0.7666% | 2,408 |
| Noninterest expense to average assets | 3.6810% | 1,610 |
| Loan and lease loss provision to assets | 0.1708% | 5,335 |
| Net operating income to assets | 0.6907% | 3,459 |
| Return on assets (ROA) | 0.6907% | 3,616 |
| Pretax return on assets | 0.6907% | 4,261 |
| Return on Equity (ROE) | 8.8846% | 2,528 |
| Retained earnings to average equity (ytd only) | 8.8846% | 1,089 |
| Net charge-offs to loans | 0.5843% | 2,985 |
| Credit loss provision to net charge-offs | 39.4737% | 6,022 |
| Earnings coverage of net charge-offs (x) | 1.9912% | 4,225 |
| Efficiency ratio | 81.0359% | 2,199 |
| Assets per employee ($millions) | 2.2106% | 7,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 5,695 |
| Loan loss allowance to noncurrent loans | 46.5185% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 1.9085% | 3,600 |
| Noncurrent loans to loans | 2.4798% | 3,138 |
| Net loans and leases to total assets | 76.0723% | 1,395 |
| Net loans and leases to deposits | 90.2825% | 1,688 |
| Net loans and leases to core deposits | 93.4269% | 2,605 |
| Total domestic deposits to total assets | 84.2602% | 3,975 |
| Equity capital to assets | 8.1710% | 6,643 |
| Core capital (leverage) ratio | 7.8842% | 6,485 |
| Tier 1 risk-based capital ratio | 10.8378% | 6,518 |
| Total risk-based capital ratio | 12.0277% | 6,547 |
| Memoranda: | ||
| Average total assets | $35,134,000 | 7,124 |
| Average earning assets | $31,900,250 | 7,105 |
| Average equity | $2,731,250 | 7,442 |
| Average total loans | $26,016,250 | 6,701 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9026% | 1,175 |
| Cost of funding earning assets | 1.8964% | 1,254 |
| Net interest margin | 4.0062% | 2,986 |
| Noninterest income to average assets | 0.7588% | 2,334 |
| Noninterest expense to average assets | 3.6742% | 1,610 |
| Loan and lease loss provision to assets | 0.1712% | 5,157 |
| Net operating income to assets | 0.5534% | 4,073 |
| Return on assets (ROA) | 0.5534% | 4,216 |
| Pretax return on assets | 0.5534% | 4,726 |
| Return on Equity (ROE) | 7.2433% | 3,198 |
| Retained earnings to average equity (ytd only) | 7.2433% | 1,732 |
| Net charge-offs to loans | 0.8823% | 2,072 |
| Credit loss provision to net charge-offs | 26.5487% | 5,785 |
| Earnings coverage of net charge-offs (x) | 1.1239% | 4,665 |
| Efficiency ratio | 83.5279% | 1,977 |
| Assets per employee ($millions) | 2.2979% | 7,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 5,717 |
| Loan loss allowance to noncurrent loans | 104.1812% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.7806% | 5,561 |
| Noncurrent loans to loans | 1.0988% | 5,121 |
| Net loans and leases to total assets | 70.2279% | 2,850 |
| Net loans and leases to deposits | 82.6504% | 3,147 |
| Net loans and leases to core deposits | 85.3836% | 3,919 |
| Total domestic deposits to total assets | 84.9698% | 3,643 |
| Equity capital to assets | 7.6021% | 7,049 |
| Core capital (leverage) ratio | 7.5932% | 6,744 |
| Tier 1 risk-based capital ratio | 10.7292% | 6,502 |
| Total risk-based capital ratio | 11.8852% | 6,579 |
| Memoranda: | ||
| Average total assets | $35,055,670 | 7,177 |
| Average earning assets | $31,850,330 | 7,165 |
| Average equity | $2,678,330 | 7,507 |
| Average total loans | $25,615,000 | 6,767 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8975% | 1,206 |
| Cost of funding earning assets | 1.9744% | 1,173 |
| Net interest margin | 3.9231% | 3,231 |
| Noninterest income to average assets | 0.7602% | 2,234 |
| Noninterest expense to average assets | 3.6257% | 1,678 |
| Loan and lease loss provision to assets | 0.1754% | 4,765 |
| Net operating income to assets | 0.5380% | 4,194 |
| Return on assets (ROA) | 0.5380% | 4,332 |
| Pretax return on assets | 0.5380% | 4,826 |
| Return on Equity (ROE) | 7.0229% | 3,328 |
| Retained earnings to average equity (ytd only) | 7.0229% | 2,123 |
| Net charge-offs to loans | 0.4100% | 2,813 |
| Credit loss provision to net charge-offs | 57.6923% | 4,345 |
| Earnings coverage of net charge-offs (x) | 2.3462% | 3,372 |
| Efficiency ratio | 83.5580% | 2,068 |
| Assets per employee ($millions) | 2.2449% | 7,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 4,167 |
| Loan loss allowance to noncurrent loans | 72.3197% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.4282% | 4,366 |
| Noncurrent loans to loans | 2.0062% | 3,784 |
| Net loans and leases to total assets | 70.1579% | 2,894 |
| Net loans and leases to deposits | 82.8484% | 3,131 |
| Net loans and leases to core deposits | 84.9257% | 4,069 |
| Total domestic deposits to total assets | 84.6822% | 3,818 |
| Equity capital to assets | 7.3582% | 7,177 |
| Core capital (leverage) ratio | 7.9531% | 6,309 |
| Tier 1 risk-based capital ratio | 10.5796% | 6,557 |
| Total risk-based capital ratio | 11.8698% | 6,515 |
| Memoranda: | ||
| Average total assets | $34,200,500 | 7,296 |
| Average earning assets | $31,199,500 | 7,276 |
| Average equity | $2,620,000 | 7,603 |
| Average total loans | $25,363,000 | 6,858 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5639% | 590 |
| Cost of funding earning assets | 2.0568% | 2,694 |
| Net interest margin | 4.5071% | 1,165 |
| Noninterest income to average assets | 0.9280% | 1,837 |
| Noninterest expense to average assets | 4.0960% | 1,238 |
| Loan and lease loss provision to assets | 0.7886% | 2,767 |
| Net operating income to assets | 0.1326% | 5,102 |
| Return on assets (ROA) | 0.4181% | 4,158 |
| Pretax return on assets | 0.4181% | 4,446 |
| Return on Equity (ROE) | 4.6821% | 3,806 |
| Retained earnings to average equity (ytd only) | 4.6821% | 1,984 |
| Net charge-offs to loans | 0.3564% | 4,444 |
| Credit loss provision to net charge-offs | 290.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 3.3875% | 3,367 |
| Efficiency ratio | 81.6396% | 2,651 |
| Assets per employee ($millions) | 2.3201% | 7,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 3,630 |
| Loan loss allowance to noncurrent loans | 112.6844% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 1.0437% | 5,012 |
| Noncurrent loans to loans | 1.3476% | 4,674 |
| Net loans and leases to total assets | 76.2669% | 1,734 |
| Net loans and leases to deposits | 91.8505% | 1,920 |
| Net loans and leases to core deposits | 105.4799% | 3,398 |
| Total domestic deposits to total assets | 83.0337% | 4,507 |
| Equity capital to assets | 7.9952% | 6,588 |
| Core capital (leverage) ratio | 8.1579% | 5,893 |
| Tier 1 risk-based capital ratio | 10.8609% | 6,056 |
| Total risk-based capital ratio | 11.9184% | 6,212 |
| Memoranda: | ||
| Average total assets | $29,418,600 | 7,497 |
| Average earning assets | $26,691,400 | 7,474 |
| Average equity | $2,627,000 | 7,696 |
| Average total loans | $22,448,600 | 7,065 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5606% | 659 |
| Cost of funding earning assets | 2.0861% | 2,954 |
| Net interest margin | 4.4746% | 1,260 |
| Noninterest income to average assets | 1.0051% | 1,590 |
| Noninterest expense to average assets | 4.1833% | 1,050 |
| Loan and lease loss provision to assets | 0.6329% | 2,863 |
| Net operating income to assets | 0.2513% | 4,985 |
| Return on assets (ROA) | 0.6422% | 3,506 |
| Pretax return on assets | 0.6422% | 4,049 |
| Return on Equity (ROE) | 6.9842% | 3,077 |
| Retained earnings to average equity (ytd only) | 6.9842% | 1,514 |
| Net charge-offs to loans | -0.1837% | 7,969 |
| Credit loss provision to net charge-offs | -453.3333% | 7,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5528% | 2,504 |
| Assets per employee ($millions) | 2.2498% | 7,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 3,097 |
| Loan loss allowance to noncurrent loans | 58.8410% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 2.1367% | 3,178 |
| Noncurrent loans to loans | 2.6781% | 2,830 |
| Net loans and leases to total assets | 78.5281% | 1,480 |
| Net loans and leases to deposits | 97.1714% | 1,419 |
| Net loans and leases to core deposits | 113.7928% | 2,849 |
| Total domestic deposits to total assets | 80.8140% | 5,149 |
| Equity capital to assets | 8.3976% | 6,387 |
| Core capital (leverage) ratio | 8.5790% | 5,329 |
| Tier 1 risk-based capital ratio | 10.9186% | 6,030 |
| Total risk-based capital ratio | 12.1705% | 5,986 |
| Memoranda: | ||
| Average total assets | $28,652,750 | 7,586 |
| Average earning assets | $26,013,000 | 7,573 |
| Average equity | $2,634,500 | 7,772 |
| Average total loans | $21,772,000 | 7,159 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5821% | 683 |
| Cost of funding earning assets | 2.0326% | 3,610 |
| Net interest margin | 4.5495% | 1,056 |
| Noninterest income to average assets | 0.9457% | 1,776 |
| Noninterest expense to average assets | 4.2087% | 1,060 |
| Loan and lease loss provision to assets | 0.1660% | 5,403 |
| Net operating income to assets | 0.7075% | 3,220 |
| Return on assets (ROA) | 0.7075% | 3,326 |
| Pretax return on assets | 0.7075% | 3,971 |
| Return on Equity (ROE) | 7.4496% | 3,007 |
| Retained earnings to average equity (ytd only) | 7.4496% | 1,411 |
| Net charge-offs to loans | -0.3002% | 8,066 |
| Credit loss provision to net charge-offs | -74.1935% | 6,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8125% | 2,624 |
| Assets per employee ($millions) | 2.1543% | 7,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 4,919 |
| Loan loss allowance to noncurrent loans | 4,071.4286% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 7,570 |
| Noncurrent loans to loans | 0.0295% | 7,466 |
| Net loans and leases to total assets | 77.6359% | 1,830 |
| Net loans and leases to deposits | 99.7487% | 1,312 |
| Net loans and leases to core deposits | 119.2270% | 2,434 |
| Total domestic deposits to total assets | 77.8316% | 6,123 |
| Equity capital to assets | 8.8329% | 5,552 |
| Core capital (leverage) ratio | 8.9350% | 4,734 |
| Tier 1 risk-based capital ratio | 11.1560% | 5,725 |
| Total risk-based capital ratio | 12.3817% | 5,656 |
| Memoranda: | ||
| Average total assets | $27,704,670 | 7,692 |
| Average earning assets | $25,189,670 | 7,671 |
| Average equity | $2,631,000 | 7,844 |
| Average total loans | $20,652,670 | 7,286 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3227% | 1,237 |
| Cost of funding earning assets | 1.9531% | 4,366 |
| Net interest margin | 4.3696% | 1,425 |
| Noninterest income to average assets | 0.9669% | 1,583 |
| Noninterest expense to average assets | 4.2452% | 897 |
| Loan and lease loss provision to assets | 0.1360% | 5,217 |
| Net operating income to assets | 0.5741% | 4,126 |
| Return on assets (ROA) | 0.5741% | 4,322 |
| Pretax return on assets | 0.5741% | 4,831 |
| Return on Equity (ROE) | 5.8137% | 4,115 |
| Retained earnings to average equity (ytd only) | 5.8137% | 2,718 |
| Net charge-offs to loans | -0.5019% | 8,103 |
| Credit loss provision to net charge-offs | -37.5000% | 6,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6707% | 2,113 |
| Assets per employee ($millions) | 1.9634% | 7,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 4,183 |
| Loan loss allowance to noncurrent loans | 221.0084% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4402% | 6,179 |
| Noncurrent loans to loans | 0.5800% | 5,951 |
| Net loans and leases to total assets | 73.6894% | 2,835 |
| Net loans and leases to deposits | 88.5078% | 3,197 |
| Net loans and leases to core deposits | 105.5718% | 3,962 |
| Total domestic deposits to total assets | 83.2575% | 4,016 |
| Equity capital to assets | 9.5609% | 4,586 |
| Core capital (leverage) ratio | 9.5464% | 3,928 |
| Tier 1 risk-based capital ratio | 12.3393% | 4,668 |
| Total risk-based capital ratio | 13.6200% | 4,566 |
| Memoranda: | ||
| Average total assets | $26,477,000 | 7,780 |
| Average earning assets | $24,167,000 | 7,760 |
| Average equity | $2,614,500 | 7,900 |
| Average total loans | $19,129,000 | 7,427 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5296% | 2,808 |
| Cost of funding earning assets | 2.0745% | 6,152 |
| Net interest margin | 4.4551% | 1,528 |
| Noninterest income to average assets | 1.1474% | 1,169 |
| Noninterest expense to average assets | 4.9179% | 654 |
| Loan and lease loss provision to assets | 0.5124% | 2,760 |
| Net operating income to assets | -0.2671% | 6,702 |
| Return on assets (ROA) | -0.2584% | 6,537 |
| Pretax return on assets | -0.2584% | 6,422 |
| Return on Equity (ROE) | -2.2991% | 6,541 |
| Retained earnings to average equity (ytd only) | -2.2991% | 5,950 |
| Net charge-offs to loans | 0.7457% | 1,660 |
| Credit loss provision to net charge-offs | 105.4054% | 5,081 |
| Earnings coverage of net charge-offs (x) | 0.5045% | 5,932 |
| Efficiency ratio | 95.2502% | 1,205 |
| Assets per employee ($millions) | 1.8191% | 8,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 3,808 |
| Loan loss allowance to noncurrent loans | 53.6131% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 1.6924% | 2,869 |
| Noncurrent loans to loans | 2.4183% | 2,267 |
| Net loans and leases to total assets | 68.7556% | 4,311 |
| Net loans and leases to deposits | 78.7674% | 5,231 |
| Net loans and leases to core deposits | 91.2312% | 5,700 |
| Total domestic deposits to total assets | 87.2894% | 1,801 |
| Equity capital to assets | 10.2132% | 3,787 |
| Core capital (leverage) ratio | 10.3991% | 3,074 |
| Tier 1 risk-based capital ratio | 13.6237% | 3,743 |
| Total risk-based capital ratio | 14.8791% | 3,650 |
| Memoranda: | ||
| Average total assets | $22,834,800 | 7,918 |
| Average earning assets | $20,583,200 | 7,911 |
| Average equity | $2,566,200 | 7,958 |
| Average total loans | $14,884,600 | 7,658 |