Home > The Peoples Bank > Performance and Condition Ratios
The Peoples Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9012% | 4,082 |
| Cost of funding earning assets | 0.7098% | 3,919 |
| Net interest margin | 3.1914% | 2,897 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.5755% | 2,080 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.1327% | 1,822 |
| Return on assets (ROA) | 1.1327% | 1,806 |
| Pretax return on assets | 1.1327% | 2,308 |
| Return on Equity (ROE) | 10.1700% | 2,449 |
| Retained earnings to average equity (ytd only) | 6.1957% | 2,177 |
| Net charge-offs to loans | 0.0228% | 1,870 |
| Credit loss provision to net charge-offs | 100.0000% | 1,838 |
| Earnings coverage of net charge-offs (x) | 162.1250% | 678 |
| Efficiency ratio | 69.1558% | 1,996 |
| Assets per employee ($millions) | 4.1657% | 4,098 |
| Cash dividends to net income (ytd only)* | 39.0930% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7258% | 4,084 |
| Loan loss allowance to noncurrent loans | 86.6894% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 1,873 |
| Noncurrent loans to loans | 0.8372% | 918 |
| Net loans and leases to total assets | 32.0800% | 4,248 |
| Net loans and leases to deposits | 36.4975% | 4,265 |
| Net loans and leases to core deposits | 42.2339% | 4,249 |
| Total domestic deposits to total assets | 87.8900% | 1,393 |
| Equity capital to assets | 11.9520% | 1,138 |
| Core capital (leverage) ratio | 12.0979% | 1,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $112,911,200 | 3,718 |
| Average earning assets | $107,632,200 | 3,669 |
| Average equity | $12,573,200 | 3,482 |
| Average total loans | $35,150,800 | 4,068 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8660% | 4,047 |
| Cost of funding earning assets | 0.6658% | 3,836 |
| Net interest margin | 3.2002% | 2,914 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.5284% | 2,139 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2320% | 1,696 |
| Return on assets (ROA) | 1.2320% | 1,695 |
| Pretax return on assets | 1.2320% | 2,223 |
| Return on Equity (ROE) | 11.2600% | 2,307 |
| Retained earnings to average equity (ytd only) | 5.9185% | 2,658 |
| Net charge-offs to loans | 0.0227% | 1,636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 175.8333% | 656 |
| Efficiency ratio | 67.2157% | 2,111 |
| Assets per employee ($millions) | 4.1247% | 4,108 |
| Cash dividends to net income (ytd only)* | 47.4383% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6937% | 4,153 |
| Loan loss allowance to noncurrent loans | 90.1460% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 1,993 |
| Noncurrent loans to loans | 0.7696% | 1,080 |
| Net loans and leases to total assets | 32.9700% | 4,266 |
| Net loans and leases to deposits | 37.5013% | 4,269 |
| Net loans and leases to core deposits | 43.5860% | 4,183 |
| Total domestic deposits to total assets | 87.9200% | 1,604 |
| Equity capital to assets | 11.8610% | 1,077 |
| Core capital (leverage) ratio | 11.6995% | 1,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $114,062,000 | 3,720 |
| Average earning assets | $108,740,250 | 3,668 |
| Average equity | $12,480,250 | 3,479 |
| Average total loans | $35,189,500 | 4,086 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7746% | 4,057 |
| Cost of funding earning assets | 0.6009% | 3,752 |
| Net interest margin | 3.1737% | 3,051 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 2.4756% | 2,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3255% | 1,500 |
| Return on assets (ROA) | 1.3255% | 1,487 |
| Pretax return on assets | 1.3255% | 2,001 |
| Return on Equity (ROE) | 12.4400% | 2,030 |
| Retained earnings to average equity (ytd only) | 5.9837% | 2,628 |
| Net charge-offs to loans | 0.0285% | 1,316 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 154.2000% | 740 |
| Efficiency ratio | 65.1289% | 2,358 |
| Assets per employee ($millions) | 4.6569% | 3,856 |
| Cash dividends to net income (ytd only)* | 51.8807% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6954% | 4,190 |
| Loan loss allowance to noncurrent loans | 83.4459% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 1,878 |
| Noncurrent loans to loans | 0.8333% | 920 |
| Net loans and leases to total assets | 31.5600% | 4,295 |
| Net loans and leases to deposits | 35.6145% | 4,302 |
| Net loans and leases to core deposits | 40.6212% | 4,249 |
| Total domestic deposits to total assets | 88.6100% | 1,373 |
| Equity capital to assets | 11.2172% | 1,296 |
| Core capital (leverage) ratio | 10.9791% | 1,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $116,335,333 | 3,709 |
| Average earning assets | $111,165,333 | 3,660 |
| Average equity | $12,400,333 | 3,499 |
| Average total loans | $35,051,333 | 4,096 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5244% | 4,235 |
| Cost of funding earning assets | 0.5251% | 3,613 |
| Net interest margin | 2.9993% | 3,602 |
| Noninterest income to average assets | 0.9100% | 670 |
| Noninterest expense to average assets | 2.4111% | 2,500 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3724% | 1,481 |
| Return on assets (ROA) | 1.3724% | 1,454 |
| Pretax return on assets | 1.3724% | 1,956 |
| Return on Equity (ROE) | 13.2000% | 1,944 |
| Retained earnings to average equity (ytd only) | 10.7687% | 1,522 |
| Net charge-offs to loans | 0.0115% | 1,516 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 407.0000% | 272 |
| Efficiency ratio | 63.7255% | 2,495 |
| Assets per employee ($millions) | 4.6471% | 3,930 |
| Cash dividends to net income (ytd only)* | 18.4275% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7141% | 4,223 |
| Loan loss allowance to noncurrent loans | 122.3301% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 2,312 |
| Noncurrent loans to loans | 0.5837% | 1,271 |
| Net loans and leases to total assets | 29.0000% | 4,388 |
| Net loans and leases to deposits | 32.3961% | 4,403 |
| Net loans and leases to core deposits | 37.0098% | 4,344 |
| Total domestic deposits to total assets | 89.5200% | 1,334 |
| Equity capital to assets | 10.3439% | 1,643 |
| Core capital (leverage) ratio | 10.7697% | 2,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $118,620,000 | 3,736 |
| Average earning assets | $113,493,500 | 3,685 |
| Average equity | $12,332,000 | 3,544 |
| Average total loans | $34,817,000 | 4,154 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9293% | 4,216 |
| Cost of funding earning assets | 0.2811% | 3,032 |
| Net interest margin | 2.6482% | 4,115 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.2527% | 2,884 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8545% | 3,132 |
| Return on assets (ROA) | 0.8545% | 3,069 |
| Pretax return on assets | 0.8545% | 3,473 |
| Return on Equity (ROE) | 8.5600% | 3,239 |
| Retained earnings to average equity (ytd only) | 6.9754% | 2,256 |
| Net charge-offs to loans | 0.0084% | 2,074 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 332.6667% | 457 |
| Efficiency ratio | 72.4993% | 1,388 |
| Assets per employee ($millions) | 4.6566% | 3,933 |
| Cash dividends to net income (ytd only)* | 18.5371% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7367% | 4,157 |
| Loan loss allowance to noncurrent loans | 113.4529% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 2,219 |
| Noncurrent loans to loans | 0.6493% | 1,146 |
| Net loans and leases to total assets | 29.2800% | 4,404 |
| Net loans and leases to deposits | 32.7247% | 4,417 |
| Net loans and leases to core deposits | 37.4212% | 4,346 |
| Total domestic deposits to total assets | 89.4800% | 1,568 |
| Equity capital to assets | 10.4505% | 1,474 |
| Core capital (leverage) ratio | 10.2452% | 2,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $116,794,400 | 3,757 |
| Average earning assets | $111,700,200 | 3,704 |
| Average equity | $11,655,200 | 3,701 |
| Average total loans | $35,563,600 | 4,146 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7351% | 4,261 |
| Cost of funding earning assets | 0.2646% | 2,547 |
| Net interest margin | 2.4706% | 4,234 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.2140% | 2,892 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7255% | 3,494 |
| Return on assets (ROA) | 0.7255% | 3,443 |
| Pretax return on assets | 0.7255% | 3,754 |
| Return on Equity (ROE) | 7.3600% | 3,503 |
| Retained earnings to average equity (ytd only) | 5.2164% | 3,015 |
| Net charge-offs to loans | 0.0112% | 1,700 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 212.0000% | 604 |
| Efficiency ratio | 75.3201% | 1,137 |
| Assets per employee ($millions) | 4.5923% | 3,987 |
| Cash dividends to net income (ytd only)* | 29.0881% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7188% | 4,221 |
| Loan loss allowance to noncurrent loans | 95.1128% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 2,118 |
| Noncurrent loans to loans | 0.7558% | 1,071 |
| Net loans and leases to total assets | 29.2700% | 4,441 |
| Net loans and leases to deposits | 32.5130% | 4,453 |
| Net loans and leases to core deposits | 37.0065% | 4,367 |
| Total domestic deposits to total assets | 90.0100% | 1,654 |
| Equity capital to assets | 9.8862% | 1,676 |
| Core capital (leverage) ratio | 9.8080% | 2,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $116,889,250 | 3,780 |
| Average earning assets | $111,875,000 | 3,729 |
| Average equity | $11,527,500 | 3,760 |
| Average total loans | $35,868,750 | 4,157 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5496% | 4,331 |
| Cost of funding earning assets | 0.2613% | 2,126 |
| Net interest margin | 2.2883% | 4,343 |
| Noninterest income to average assets | 0.5790% | 1,831 |
| Noninterest expense to average assets | 2.1956% | 2,876 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5722% | 3,701 |
| Return on assets (ROA) | 0.5722% | 3,652 |
| Pretax return on assets | 0.5722% | 3,868 |
| Return on Equity (ROE) | 5.8066% | 3,625 |
| Retained earnings to average equity (ytd only) | 3.4455% | 3,292 |
| Net charge-offs to loans | -0.0055% | 3,379 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3275% | 995 |
| Assets per employee ($millions) | 5.2796% | 3,448 |
| Cash dividends to net income (ytd only)* | 40.6627% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7015% | 4,332 |
| Loan loss allowance to noncurrent loans | 186.2319% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 2,908 |
| Noncurrent loans to loans | 0.3767% | 2,011 |
| Net loans and leases to total assets | 29.9586% | 4,463 |
| Net loans and leases to deposits | 33.1351% | 4,465 |
| Net loans and leases to core deposits | 37.6469% | 4,394 |
| Total domestic deposits to total assets | 90.4135% | 1,508 |
| Equity capital to assets | 9.5116% | 2,006 |
| Core capital (leverage) ratio | 9.5484% | 2,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,052,667 | 3,834 |
| Average earning assets | $110,997,333 | 3,793 |
| Average equity | $11,435,333 | 3,840 |
| Average total loans | $36,093,000 | 4,209 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4045% | 4,376 |
| Cost of funding earning assets | 0.2692% | 1,938 |
| Net interest margin | 2.1353% | 4,412 |
| Noninterest income to average assets | 0.5751% | 1,802 |
| Noninterest expense to average assets | 2.2300% | 2,746 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3881% | 3,977 |
| Return on assets (ROA) | 0.3881% | 3,943 |
| Pretax return on assets | 0.3881% | 4,050 |
| Return on Equity (ROE) | 3.8671% | 3,914 |
| Retained earnings to average equity (ytd only) | 1.7578% | 3,614 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1752% | 780 |
| Assets per employee ($millions) | 4.9285% | 3,813 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7195% | 4,356 |
| Loan loss allowance to noncurrent loans | 177.7778% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 2,965 |
| Noncurrent loans to loans | 0.4047% | 2,048 |
| Net loans and leases to total assets | 29.8648% | 4,451 |
| Net loans and leases to deposits | 33.0752% | 4,462 |
| Net loans and leases to core deposits | 37.9614% | 4,373 |
| Total domestic deposits to total assets | 90.2936% | 1,390 |
| Equity capital to assets | 9.6404% | 2,182 |
| Core capital (leverage) ratio | 9.9754% | 2,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,363,500 | 3,883 |
| Average earning assets | $108,461,500 | 3,831 |
| Average equity | $11,378,000 | 3,917 |
| Average total loans | $35,821,500 | 4,237 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0759% | 3,730 |
| Cost of funding earning assets | 0.3484% | 1,946 |
| Net interest margin | 2.7275% | 3,822 |
| Noninterest income to average assets | 0.6540% | 1,928 |
| Noninterest expense to average assets | 2.4572% | 2,316 |
| Loan and lease loss provision to assets | 0.0628% | 1,815 |
| Net operating income to assets | 0.7178% | 3,580 |
| Return on assets (ROA) | 0.7178% | 3,638 |
| Pretax return on assets | 0.7178% | 3,893 |
| Return on Equity (ROE) | 6.4345% | 3,664 |
| Retained earnings to average equity (ytd only) | 5.4906% | 2,568 |
| Net charge-offs to loans | 0.1608% | 597 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 12.4355% | 2,113 |
| Efficiency ratio | 75.8912% | 1,117 |
| Assets per employee ($millions) | 4.3378% | 4,247 |
| Cash dividends to net income (ytd only)* | 14.6685% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7099% | 4,402 |
| Loan loss allowance to noncurrent loans | 126.1084% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 2,628 |
| Noncurrent loans to loans | 0.5629% | 1,726 |
| Net loans and leases to total assets | 33.0180% | 4,410 |
| Net loans and leases to deposits | 36.8974% | 4,450 |
| Net loans and leases to core deposits | 41.9318% | 4,338 |
| Total domestic deposits to total assets | 89.4858% | 1,247 |
| Equity capital to assets | 10.4690% | 2,202 |
| Core capital (leverage) ratio | 11.0707% | 1,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,770,000 | 4,003 |
| Average earning assets | $93,564,800 | 3,980 |
| Average equity | $11,018,800 | 4,032 |
| Average total loans | $38,550,600 | 4,221 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1740% | 3,651 |
| Cost of funding earning assets | 0.3647% | 1,986 |
| Net interest margin | 2.8093% | 3,761 |
| Noninterest income to average assets | 0.6684% | 1,938 |
| Noninterest expense to average assets | 2.5102% | 2,091 |
| Loan and lease loss provision to assets | 0.0581% | 1,825 |
| Net operating income to assets | 0.7542% | 3,643 |
| Return on assets (ROA) | 0.7542% | 3,707 |
| Pretax return on assets | 0.7542% | 3,968 |
| Return on Equity (ROE) | 6.6450% | 3,764 |
| Retained earnings to average equity (ytd only) | 5.3770% | 3,075 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5519% | 1,070 |
| Assets per employee ($millions) | 4.0919% | 4,393 |
| Cash dividends to net income (ytd only)* | 19.0826% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7809% | 4,378 |
| Loan loss allowance to noncurrent loans | 137.9630% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 2,682 |
| Noncurrent loans to loans | 0.5660% | 1,898 |
| Net loans and leases to total assets | 38.5540% | 4,275 |
| Net loans and leases to deposits | 43.6113% | 4,324 |
| Net loans and leases to core deposits | 50.2775% | 4,122 |
| Total domestic deposits to total assets | 88.4038% | 1,619 |
| Equity capital to assets | 11.3935% | 1,743 |
| Core capital (leverage) ratio | 11.2763% | 1,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,351,500 | 4,077 |
| Average earning assets | $91,028,250 | 4,050 |
| Average equity | $10,935,250 | 4,098 |
| Average total loans | $39,172,750 | 4,270 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0745% | 3,919 |
| Cost of funding earning assets | 0.3741% | 2,094 |
| Net interest margin | 2.7004% | 3,980 |
| Noninterest income to average assets | 0.6748% | 1,909 |
| Noninterest expense to average assets | 2.5028% | 2,131 |
| Loan and lease loss provision to assets | 0.0752% | 1,580 |
| Net operating income to assets | 0.6455% | 3,884 |
| Return on assets (ROA) | 0.6455% | 3,947 |
| Pretax return on assets | 0.6455% | 4,163 |
| Return on Equity (ROE) | 5.6955% | 3,979 |
| Retained earnings to average equity (ytd only) | 4.2762% | 3,432 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6410% | 942 |
| Assets per employee ($millions) | 4.0993% | 4,392 |
| Cash dividends to net income (ytd only)* | 24.9191% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7579% | 4,438 |
| Loan loss allowance to noncurrent loans | 129.2035% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2297% | 2,779 |
| Noncurrent loans to loans | 0.5866% | 1,934 |
| Net loans and leases to total assets | 38.8624% | 4,341 |
| Net loans and leases to deposits | 43.8881% | 4,384 |
| Net loans and leases to core deposits | 49.9719% | 4,234 |
| Total domestic deposits to total assets | 88.5488% | 1,542 |
| Equity capital to assets | 11.1605% | 1,864 |
| Core capital (leverage) ratio | 11.1601% | 1,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,733,667 | 4,112 |
| Average earning assets | $90,356,000 | 4,083 |
| Average equity | $10,850,667 | 4,119 |
| Average total loans | $39,510,333 | 4,287 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9114% | 4,239 |
| Cost of funding earning assets | 0.3909% | 2,165 |
| Net interest margin | 2.5205% | 4,265 |
| Noninterest income to average assets | 0.6737% | 1,946 |
| Noninterest expense to average assets | 2.5379% | 2,063 |
| Loan and lease loss provision to assets | 0.0763% | 1,669 |
| Net operating income to assets | 0.4364% | 4,293 |
| Return on assets (ROA) | 0.4364% | 4,326 |
| Pretax return on assets | 0.4364% | 4,438 |
| Return on Equity (ROE) | 3.8198% | 4,321 |
| Retained earnings to average equity (ytd only) | 2.8185% | 3,836 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1944% | 639 |
| Assets per employee ($millions) | 4.1081% | 4,411 |
| Cash dividends to net income (ytd only)* | 26.2136% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6805% | 4,599 |
| Loan loss allowance to noncurrent loans | 136.3184% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 3,132 |
| Noncurrent loans to loans | 0.4992% | 2,359 |
| Net loans and leases to total assets | 40.5619% | 4,313 |
| Net loans and leases to deposits | 45.6957% | 4,367 |
| Net loans and leases to core deposits | 50.9861% | 4,246 |
| Total domestic deposits to total assets | 88.7652% | 1,460 |
| Equity capital to assets | 10.9782% | 1,877 |
| Core capital (leverage) ratio | 11.7716% | 1,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,409,000 | 4,136 |
| Average earning assets | $89,030,000 | 4,112 |
| Average equity | $10,786,000 | 4,133 |
| Average total loans | $40,002,500 | 4,302 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5644% | 3,890 |
| Cost of funding earning assets | 0.6224% | 2,165 |
| Net interest margin | 2.9421% | 4,033 |
| Noninterest income to average assets | 0.7139% | 1,817 |
| Noninterest expense to average assets | 2.9038% | 1,674 |
| Loan and lease loss provision to assets | 0.0482% | 3,791 |
| Net operating income to assets | 0.5209% | 3,982 |
| Return on assets (ROA) | 0.5209% | 4,069 |
| Pretax return on assets | 0.5209% | 4,235 |
| Return on Equity (ROE) | 4.0512% | 4,144 |
| Retained earnings to average equity (ytd only) | 1.4723% | 4,046 |
| Net charge-offs to loans | 0.0312% | 2,407 |
| Credit loss provision to net charge-offs | 307.6923% | 1,707 |
| Earnings coverage of net charge-offs (x) | 36.3077% | 1,457 |
| Efficiency ratio | 83.6111% | 660 |
| Assets per employee ($millions) | 3.4701% | 4,666 |
| Cash dividends to net income (ytd only)* | 63.6574% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6442% | 4,668 |
| Loan loss allowance to noncurrent loans | 101.5873% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 2,899 |
| Noncurrent loans to loans | 0.6341% | 2,103 |
| Net loans and leases to total assets | 43.7616% | 4,261 |
| Net loans and leases to deposits | 49.7223% | 4,329 |
| Net loans and leases to core deposits | 54.4954% | 4,238 |
| Total domestic deposits to total assets | 88.0119% | 1,464 |
| Equity capital to assets | 11.9127% | 1,617 |
| Core capital (leverage) ratio | 12.1402% | 1,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,926,200 | 4,209 |
| Average earning assets | $77,768,800 | 4,190 |
| Average equity | $10,663,400 | 4,129 |
| Average total loans | $41,620,000 | 4,279 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7205% | 3,756 |
| Cost of funding earning assets | 0.6760% | 2,164 |
| Net interest margin | 3.0446% | 3,876 |
| Noninterest income to average assets | 0.7266% | 1,713 |
| Noninterest expense to average assets | 2.9592% | 1,535 |
| Loan and lease loss provision to assets | 0.0358% | 3,896 |
| Net operating income to assets | 0.5820% | 3,823 |
| Return on assets (ROA) | 0.5820% | 3,922 |
| Pretax return on assets | 0.5820% | 4,131 |
| Return on Equity (ROE) | 4.4350% | 4,048 |
| Retained earnings to average equity (ytd only) | 0.9897% | 4,262 |
| Net charge-offs to loans | 0.0443% | 1,991 |
| Credit loss provision to net charge-offs | 157.1429% | 2,287 |
| Earnings coverage of net charge-offs (x) | 26.8571% | 1,682 |
| Efficiency ratio | 82.7206% | 695 |
| Assets per employee ($millions) | 3.5015% | 4,660 |
| Cash dividends to net income (ytd only)* | 77.6836% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6028% | 4,718 |
| Loan loss allowance to noncurrent loans | 119.6970% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 3,265 |
| Noncurrent loans to loans | 0.5036% | 2,543 |
| Net loans and leases to total assets | 46.5045% | 4,290 |
| Net loans and leases to deposits | 53.3660% | 4,361 |
| Net loans and leases to core deposits | 59.4063% | 4,236 |
| Total domestic deposits to total assets | 87.1426% | 1,609 |
| Equity capital to assets | 12.6968% | 1,334 |
| Core capital (leverage) ratio | 12.6262% | 1,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,102,000 | 4,240 |
| Average earning assets | $75,936,750 | 4,224 |
| Average equity | $10,642,250 | 4,136 |
| Average total loans | $42,090,250 | 4,302 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8845% | 3,663 |
| Cost of funding earning assets | 0.7348% | 2,203 |
| Net interest margin | 3.1497% | 3,786 |
| Noninterest income to average assets | 0.7339% | 1,626 |
| Noninterest expense to average assets | 2.9554% | 1,698 |
| Loan and lease loss provision to assets | 0.0125% | 4,063 |
| Net operating income to assets | 0.7189% | 3,323 |
| Return on assets (ROA) | 0.7189% | 3,432 |
| Pretax return on assets | 0.7189% | 3,825 |
| Return on Equity (ROE) | 5.4171% | 3,713 |
| Retained earnings to average equity (ytd only) | 1.1850% | 4,043 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1625% | 881 |
| Assets per employee ($millions) | 3.5502% | 4,631 |
| Cash dividends to net income (ytd only)* | 78.1250% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5631% | 4,778 |
| Loan loss allowance to noncurrent loans | 98.3193% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 3,207 |
| Noncurrent loans to loans | 0.5728% | 2,442 |
| Net loans and leases to total assets | 48.4936% | 4,233 |
| Net loans and leases to deposits | 55.5184% | 4,311 |
| Net loans and leases to core deposits | 61.5351% | 4,190 |
| Total domestic deposits to total assets | 87.3470% | 1,476 |
| Equity capital to assets | 12.5040% | 1,374 |
| Core capital (leverage) ratio | 12.8606% | 1,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,123,667 | 4,250 |
| Average earning assets | $75,118,333 | 4,232 |
| Average equity | $10,633,000 | 4,148 |
| Average total loans | $43,014,333 | 4,290 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2382% | 3,096 |
| Cost of funding earning assets | 0.8047% | 2,366 |
| Net interest margin | 3.4335% | 3,202 |
| Noninterest income to average assets | 0.7991% | 1,318 |
| Noninterest expense to average assets | 3.0677% | 1,723 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9435% | 2,365 |
| Return on assets (ROA) | 0.9435% | 2,473 |
| Pretax return on assets | 0.9435% | 3,021 |
| Return on Equity (ROE) | 6.8910% | 2,996 |
| Retained earnings to average equity (ytd only) | 3.0878% | 3,042 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4781% | 1,514 |
| Assets per employee ($millions) | 3.3028% | 4,638 |
| Cash dividends to net income (ytd only)* | 55.1913% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5246% | 4,851 |
| Loan loss allowance to noncurrent loans | 144.9367% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 3,684 |
| Noncurrent loans to loans | 0.3620% | 3,202 |
| Net loans and leases to total assets | 54.7807% | 3,928 |
| Net loans and leases to deposits | 63.4199% | 4,013 |
| Net loans and leases to core deposits | 70.9213% | 3,818 |
| Total domestic deposits to total assets | 86.3777% | 1,837 |
| Equity capital to assets | 13.4684% | 1,231 |
| Core capital (leverage) ratio | 13.8080% | 959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,583,000 | 4,299 |
| Average earning assets | $72,578,000 | 4,278 |
| Average equity | $10,622,500 | 4,160 |
| Average total loans | $43,745,000 | 4,280 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 3,353 |
| Cost of funding earning assets | 0.7021% | 3,151 |
| Net interest margin | 3.6612% | 2,923 |
| Noninterest income to average assets | 0.8410% | 1,328 |
| Noninterest expense to average assets | 3.0952% | 1,774 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1693% | 2,180 |
| Return on assets (ROA) | 1.1693% | 2,278 |
| Pretax return on assets | 1.1693% | 2,950 |
| Return on Equity (ROE) | 8.8767% | 2,806 |
| Retained earnings to average equity (ytd only) | 5.3741% | 2,237 |
| Net charge-offs to loans | -0.0024% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5811% | 1,786 |
| Assets per employee ($millions) | 2.9192% | 4,856 |
| Cash dividends to net income (ytd only)* | 39.4589% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5224% | 4,864 |
| Loan loss allowance to noncurrent loans | 68.5629% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 0.4401% | 2,638 |
| Noncurrent loans to loans | 0.7619% | 1,991 |
| Net loans and leases to total assets | 57.4566% | 3,809 |
| Net loans and leases to deposits | 66.8429% | 3,909 |
| Net loans and leases to core deposits | 73.7760% | 3,737 |
| Total domestic deposits to total assets | 85.9577% | 2,082 |
| Equity capital to assets | 13.9251% | 1,123 |
| Core capital (leverage) ratio | 14.2444% | 865 |
| Tier 1 risk-based capital ratio | 22.8402% | 927 |
| Total risk-based capital ratio | 23.3341% | 993 |
| Memoranda: | ||
| Average total assets | $75,858,400 | 4,351 |
| Average earning assets | $70,932,600 | 4,330 |
| Average equity | $9,992,400 | 4,244 |
| Average total loans | $42,504,200 | 4,354 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3943% | 3,375 |
| Cost of funding earning assets | 0.6801% | 3,308 |
| Net interest margin | 3.7142% | 2,871 |
| Noninterest income to average assets | 0.8508% | 1,272 |
| Noninterest expense to average assets | 3.1272% | 1,648 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1989% | 2,193 |
| Return on assets (ROA) | 1.1989% | 2,277 |
| Pretax return on assets | 1.1989% | 2,983 |
| Return on Equity (ROE) | 9.2332% | 2,788 |
| Retained earnings to average equity (ytd only) | 4.4948% | 3,147 |
| Net charge-offs to loans | 0.0095% | 3,031 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 227.3275% | 403 |
| Efficiency ratio | 72.2877% | 1,792 |
| Assets per employee ($millions) | 2.9671% | 4,906 |
| Cash dividends to net income (ytd only)* | 51.3202% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5254% | 4,936 |
| Loan loss allowance to noncurrent loans | 138.8889% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 3,701 |
| Noncurrent loans to loans | 0.3783% | 3,199 |
| Net loans and leases to total assets | 57.4240% | 3,929 |
| Net loans and leases to deposits | 66.8876% | 4,003 |
| Net loans and leases to core deposits | 73.5987% | 3,852 |
| Total domestic deposits to total assets | 85.8516% | 2,057 |
| Equity capital to assets | 13.9489% | 1,171 |
| Core capital (leverage) ratio | 14.0667% | 968 |
| Tier 1 risk-based capital ratio | 23.9309% | 850 |
| Total risk-based capital ratio | 24.4493% | 906 |
| Memoranda: | ||
| Average total assets | $75,848,250 | 4,403 |
| Average earning assets | $70,968,250 | 4,385 |
| Average equity | $9,848,250 | 4,303 |
| Average total loans | $42,170,750 | 4,413 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3462% | 3,498 |
| Cost of funding earning assets | 0.6456% | 3,432 |
| Net interest margin | 3.7005% | 2,929 |
| Noninterest income to average assets | 0.8141% | 1,302 |
| Noninterest expense to average assets | 3.0757% | 1,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2041% | 2,135 |
| Return on assets (ROA) | 1.2041% | 2,195 |
| Pretax return on assets | 1.2041% | 2,889 |
| Return on Equity (ROE) | 9.5022% | 2,632 |
| Retained earnings to average equity (ytd only) | 4.4206% | 3,056 |
| Net charge-offs to loans | 0.0143% | 2,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 153.3333% | 489 |
| Efficiency ratio | 71.8654% | 1,943 |
| Assets per employee ($millions) | 3.0263% | 4,889 |
| Cash dividends to net income (ytd only)* | 53.4783% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5272% | 4,981 |
| Loan loss allowance to noncurrent loans | 87.5486% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 3,180 |
| Noncurrent loans to loans | 0.6021% | 2,463 |
| Net loans and leases to total assets | 56.1157% | 4,077 |
| Net loans and leases to deposits | 64.9373% | 4,165 |
| Net loans and leases to core deposits | 70.8829% | 4,070 |
| Total domestic deposits to total assets | 86.4152% | 1,847 |
| Equity capital to assets | 13.4315% | 1,358 |
| Core capital (leverage) ratio | 13.4396% | 1,138 |
| Tier 1 risk-based capital ratio | 22.1963% | 1,031 |
| Total risk-based capital ratio | 22.6827% | 1,104 |
| Memoranda: | ||
| Average total assets | $76,405,000 | 4,430 |
| Average earning assets | $71,557,000 | 4,412 |
| Average equity | $9,682,000 | 4,343 |
| Average total loans | $41,954,000 | 4,446 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3517% | 3,397 |
| Cost of funding earning assets | 0.6177% | 3,474 |
| Net interest margin | 3.7340% | 2,769 |
| Noninterest income to average assets | 0.8127% | 1,262 |
| Noninterest expense to average assets | 3.0060% | 1,982 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3024% | 1,687 |
| Return on assets (ROA) | 1.3024% | 1,725 |
| Pretax return on assets | 1.3024% | 2,444 |
| Return on Equity (ROE) | 10.5910% | 2,122 |
| Retained earnings to average equity (ytd only) | 7.2866% | 1,935 |
| Net charge-offs to loans | 0.0289% | 1,882 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 83.3333% | 742 |
| Efficiency ratio | 69.7703% | 2,384 |
| Assets per employee ($millions) | 3.0628% | 4,939 |
| Cash dividends to net income (ytd only)* | 31.2000% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5314% | 5,043 |
| Loan loss allowance to noncurrent loans | 89.2857% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 3,285 |
| Noncurrent loans to loans | 0.5952% | 2,556 |
| Net loans and leases to total assets | 55.0039% | 4,135 |
| Net loans and leases to deposits | 63.0503% | 4,239 |
| Net loans and leases to core deposits | 69.2794% | 4,122 |
| Total domestic deposits to total assets | 87.2380% | 1,696 |
| Equity capital to assets | 12.6105% | 1,678 |
| Core capital (leverage) ratio | 13.3987% | 1,121 |
| Tier 1 risk-based capital ratio | 22.1875% | 1,030 |
| Total risk-based capital ratio | 22.6757% | 1,098 |
| Memoranda: | ||
| Average total assets | $76,778,500 | 4,473 |
| Average earning assets | $71,880,000 | 4,452 |
| Average equity | $9,442,000 | 4,411 |
| Average total loans | $41,590,500 | 4,499 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1548% | 3,567 |
| Cost of funding earning assets | 0.5475% | 3,065 |
| Net interest margin | 3.6073% | 3,356 |
| Noninterest income to average assets | 0.6868% | 1,899 |
| Noninterest expense to average assets | 2.9062% | 2,330 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1661% | 2,330 |
| Return on assets (ROA) | 1.1661% | 2,321 |
| Pretax return on assets | 1.1661% | 3,036 |
| Return on Equity (ROE) | 10.0959% | 2,480 |
| Retained earnings to average equity (ytd only) | 5.6581% | 2,383 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3656% | 1,989 |
| Assets per employee ($millions) | 3.0794% | 4,941 |
| Cash dividends to net income (ytd only)* | 43.9560% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5583% | 5,045 |
| Loan loss allowance to noncurrent loans | 194.8718% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 4,069 |
| Noncurrent loans to loans | 0.2865% | 3,536 |
| Net loans and leases to total assets | 52.7511% | 4,371 |
| Net loans and leases to deposits | 60.0080% | 4,475 |
| Net loans and leases to core deposits | 65.8308% | 4,369 |
| Total domestic deposits to total assets | 87.9069% | 1,340 |
| Equity capital to assets | 11.9866% | 1,903 |
| Core capital (leverage) ratio | 13.3648% | 1,122 |
| Tier 1 risk-based capital ratio | 22.5131% | 968 |
| Total risk-based capital ratio | 23.0237% | 1,042 |
| Memoranda: | ||
| Average total assets | $78,040,400 | 4,463 |
| Average earning assets | $73,241,200 | 4,434 |
| Average equity | $9,013,600 | 4,458 |
| Average total loans | $41,055,400 | 4,518 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1256% | 3,555 |
| Cost of funding earning assets | 0.5332% | 2,972 |
| Net interest margin | 3.5924% | 3,395 |
| Noninterest income to average assets | 0.7458% | 1,692 |
| Noninterest expense to average assets | 2.9065% | 2,284 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2123% | 2,195 |
| Return on assets (ROA) | 1.2123% | 2,196 |
| Pretax return on assets | 1.2123% | 2,947 |
| Return on Equity (ROE) | 10.5950% | 2,353 |
| Retained earnings to average equity (ytd only) | 4.6427% | 3,426 |
| Net charge-offs to loans | 0.0032% | 3,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 713.7669% | 124 |
| Efficiency ratio | 70.5663% | 2,107 |
| Assets per employee ($millions) | 3.1728% | 4,907 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5325% | 5,148 |
| Loan loss allowance to noncurrent loans | 117.0103% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 3,679 |
| Noncurrent loans to loans | 0.4551% | 3,022 |
| Net loans and leases to total assets | 55.6891% | 4,241 |
| Net loans and leases to deposits | 63.1421% | 4,380 |
| Net loans and leases to core deposits | 69.8922% | 4,197 |
| Total domestic deposits to total assets | 88.1964% | 1,154 |
| Equity capital to assets | 11.5988% | 2,179 |
| Core capital (leverage) ratio | 12.9138% | 1,319 |
| Tier 1 risk-based capital ratio | 21.1254% | 1,167 |
| Total risk-based capital ratio | 21.6120% | 1,248 |
| Memoranda: | ||
| Average total assets | $78,304,000 | 4,503 |
| Average earning assets | $73,523,250 | 4,474 |
| Average equity | $8,960,000 | 4,503 |
| Average total loans | $41,109,500 | 4,562 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 3,621 |
| Cost of funding earning assets | 0.5134% | 2,904 |
| Net interest margin | 3.5319% | 3,525 |
| Noninterest income to average assets | 0.7289% | 1,747 |
| Noninterest expense to average assets | 2.8827% | 2,400 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1718% | 2,307 |
| Return on assets (ROA) | 1.1718% | 2,307 |
| Pretax return on assets | 1.1718% | 3,044 |
| Return on Equity (ROE) | 10.2858% | 2,434 |
| Retained earnings to average equity (ytd only) | 4.1765% | 3,522 |
| Net charge-offs to loans | 0.0049% | 2,997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 463.0000% | 193 |
| Efficiency ratio | 71.0986% | 2,147 |
| Assets per employee ($millions) | 3.4460% | 4,664 |
| Cash dividends to net income (ytd only)* | 59.3952% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5539% | 5,188 |
| Loan loss allowance to noncurrent loans | 169.4030% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 4,143 |
| Noncurrent loans to loans | 0.3270% | 3,530 |
| Net loans and leases to total assets | 51.4175% | 4,514 |
| Net loans and leases to deposits | 58.0083% | 4,641 |
| Net loans and leases to core deposits | 63.5965% | 4,516 |
| Total domestic deposits to total assets | 88.6382% | 1,078 |
| Equity capital to assets | 11.1990% | 2,455 |
| Core capital (leverage) ratio | 12.4656% | 1,456 |
| Tier 1 risk-based capital ratio | 21.5574% | 1,093 |
| Total risk-based capital ratio | 22.0603% | 1,182 |
| Memoranda: | ||
| Average total assets | $79,023,330 | 4,533 |
| Average earning assets | $74,408,330 | 4,496 |
| Average equity | $9,002,670 | 4,538 |
| Average total loans | $40,602,000 | 4,618 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0518% | 3,407 |
| Cost of funding earning assets | 0.5011% | 2,789 |
| Net interest margin | 3.5507% | 3,340 |
| Noninterest income to average assets | 0.7249% | 1,723 |
| Noninterest expense to average assets | 2.8844% | 2,426 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1811% | 2,087 |
| Return on assets (ROA) | 1.1811% | 2,099 |
| Pretax return on assets | 1.1811% | 2,837 |
| Return on Equity (ROE) | 10.2802% | 2,283 |
| Retained earnings to average equity (ytd only) | 7.2799% | 2,156 |
| Net charge-offs to loans | 0.0297% | 1,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 77.6667% | 718 |
| Efficiency ratio | 70.9476% | 2,353 |
| Assets per employee ($millions) | 3.2939% | 4,907 |
| Cash dividends to net income (ytd only)* | 29.1845% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5582% | 5,254 |
| Loan loss allowance to noncurrent loans | 197.3684% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 4,366 |
| Noncurrent loans to loans | 0.2828% | 3,758 |
| Net loans and leases to total assets | 50.7078% | 4,516 |
| Net loans and leases to deposits | 57.2845% | 4,627 |
| Net loans and leases to core deposits | 63.2241% | 4,470 |
| Total domestic deposits to total assets | 88.5191% | 1,345 |
| Equity capital to assets | 11.3392% | 2,264 |
| Core capital (leverage) ratio | 12.4713% | 1,403 |
| Tier 1 risk-based capital ratio | 21.9204% | 1,060 |
| Total risk-based capital ratio | 22.4284% | 1,148 |
| Memoranda: | ||
| Average total assets | $78,906,500 | 4,587 |
| Average earning assets | $74,239,500 | 4,548 |
| Average equity | $9,066,000 | 4,577 |
| Average total loans | $40,413,500 | 4,679 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 3,372 |
| Cost of funding earning assets | 0.4855% | 2,454 |
| Net interest margin | 3.5241% | 3,451 |
| Noninterest income to average assets | 0.7074% | 1,930 |
| Noninterest expense to average assets | 2.8950% | 2,475 |
| Loan and lease loss provision to assets | 0.0328% | 3,608 |
| Net operating income to assets | 1.0945% | 1,875 |
| Return on assets (ROA) | 1.0945% | 1,894 |
| Pretax return on assets | 1.0945% | 3,209 |
| Return on Equity (ROE) | 9.3957% | 2,141 |
| Retained earnings to average equity (ytd only) | 6.4328% | 1,316 |
| Net charge-offs to loans | 0.0837% | 2,264 |
| Credit loss provision to net charge-offs | 78.1250% | 2,972 |
| Earnings coverage of net charge-offs (x) | 26.8438% | 1,655 |
| Efficiency ratio | 71.9739% | 2,231 |
| Assets per employee ($millions) | 3.2817% | 4,953 |
| Cash dividends to net income (ytd only)* | 31.5348% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5627% | 5,306 |
| Loan loss allowance to noncurrent loans | 288.6076% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 4,628 |
| Noncurrent loans to loans | 0.1950% | 4,136 |
| Net loans and leases to total assets | 51.1529% | 4,578 |
| Net loans and leases to deposits | 57.9633% | 4,691 |
| Net loans and leases to core deposits | 63.8448% | 4,539 |
| Total domestic deposits to total assets | 88.2504% | 1,375 |
| Equity capital to assets | 11.6404% | 2,086 |
| Core capital (leverage) ratio | 12.4268% | 1,387 |
| Tier 1 risk-based capital ratio | 21.3436% | 1,086 |
| Total risk-based capital ratio | 21.8535% | 1,186 |
| Memoranda: | ||
| Average total assets | $76,199,800 | 4,667 |
| Average earning assets | $71,677,200 | 4,634 |
| Average equity | $8,876,400 | 4,633 |
| Average total loans | $38,243,000 | 4,785 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0070% | 3,332 |
| Cost of funding earning assets | 0.4856% | 2,386 |
| Net interest margin | 3.5214% | 3,421 |
| Noninterest income to average assets | 0.7147% | 1,937 |
| Noninterest expense to average assets | 2.9186% | 2,341 |
| Loan and lease loss provision to assets | 0.0441% | 3,220 |
| Net operating income to assets | 1.0658% | 2,250 |
| Return on assets (ROA) | 1.0658% | 2,291 |
| Pretax return on assets | 1.0658% | 3,436 |
| Return on Equity (ROE) | 9.1476% | 2,524 |
| Retained earnings to average equity (ytd only) | 5.1645% | 2,770 |
| Net charge-offs to loans | 0.1203% | 1,588 |
| Credit loss provision to net charge-offs | 73.5294% | 2,658 |
| Earnings coverage of net charge-offs (x) | 18.5010% | 2,042 |
| Efficiency ratio | 72.4485% | 2,146 |
| Assets per employee ($millions) | 3.1221% | 5,156 |
| Cash dividends to net income (ytd only)* | 43.5435% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5748% | 5,367 |
| Loan loss allowance to noncurrent loans | 180.8000% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 4,438 |
| Noncurrent loans to loans | 0.3179% | 3,810 |
| Net loans and leases to total assets | 52.1740% | 4,553 |
| Net loans and leases to deposits | 59.4803% | 4,660 |
| Net loans and leases to core deposits | 65.8825% | 4,490 |
| Total domestic deposits to total assets | 87.7165% | 1,510 |
| Equity capital to assets | 12.0806% | 1,916 |
| Core capital (leverage) ratio | 12.3978% | 1,459 |
| Tier 1 risk-based capital ratio | 21.2280% | 1,159 |
| Total risk-based capital ratio | 21.7431% | 1,250 |
| Memoranda: | ||
| Average total assets | $75,559,750 | 4,726 |
| Average earning assets | $71,107,000 | 4,692 |
| Average equity | $8,803,500 | 4,695 |
| Average total loans | $37,674,750 | 4,848 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9343% | 3,433 |
| Cost of funding earning assets | 0.4764% | 2,365 |
| Net interest margin | 3.4579% | 3,556 |
| Noninterest income to average assets | 0.7153% | 1,923 |
| Noninterest expense to average assets | 2.8983% | 2,430 |
| Loan and lease loss provision to assets | 0.0660% | 2,648 |
| Net operating income to assets | 1.0083% | 2,384 |
| Return on assets (ROA) | 1.0083% | 2,423 |
| Pretax return on assets | 1.0083% | 3,535 |
| Return on Equity (ROE) | 8.7608% | 2,626 |
| Retained earnings to average equity (ytd only) | 4.2199% | 3,196 |
| Net charge-offs to loans | 0.1885% | 1,058 |
| Credit loss provision to net charge-offs | 71.4286% | 2,364 |
| Earnings coverage of net charge-offs (x) | 11.6286% | 2,259 |
| Efficiency ratio | 72.9568% | 2,193 |
| Assets per employee ($millions) | 3.1748% | 5,126 |
| Cash dividends to net income (ytd only)* | 51.8325% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5594% | 5,446 |
| Loan loss allowance to noncurrent loans | 210.2804% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 4,621 |
| Noncurrent loans to loans | 0.2660% | 4,087 |
| Net loans and leases to total assets | 52.4910% | 4,526 |
| Net loans and leases to deposits | 59.6166% | 4,662 |
| Net loans and leases to core deposits | 65.8723% | 4,476 |
| Total domestic deposits to total assets | 88.0476% | 1,433 |
| Equity capital to assets | 11.7883% | 2,083 |
| Core capital (leverage) ratio | 12.0598% | 1,599 |
| Tier 1 risk-based capital ratio | 20.2903% | 1,304 |
| Total risk-based capital ratio | 20.7888% | 1,426 |
| Memoranda: | ||
| Average total assets | $75,769,670 | 4,745 |
| Average earning assets | $71,372,000 | 4,713 |
| Average equity | $8,720,670 | 4,733 |
| Average total loans | $37,126,330 | 4,894 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 3,502 |
| Cost of funding earning assets | 0.4832% | 2,221 |
| Net interest margin | 3.3882% | 3,688 |
| Noninterest income to average assets | 0.7306% | 1,825 |
| Noninterest expense to average assets | 2.9170% | 2,408 |
| Loan and lease loss provision to assets | 0.0794% | 2,221 |
| Net operating income to assets | 0.9264% | 2,633 |
| Return on assets (ROA) | 0.9264% | 2,689 |
| Pretax return on assets | 0.9264% | 3,672 |
| Return on Equity (ROE) | 8.1490% | 2,836 |
| Retained earnings to average equity (ytd only) | 5.0291% | 2,876 |
| Net charge-offs to loans | 0.0899% | 1,447 |
| Credit loss provision to net charge-offs | 187.5000% | 1,053 |
| Earnings coverage of net charge-offs (x) | 23.7500% | 1,382 |
| Efficiency ratio | 74.3590% | 2,169 |
| Assets per employee ($millions) | 3.1585% | 5,213 |
| Cash dividends to net income (ytd only)* | 38.2857% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6722% | 5,361 |
| Loan loss allowance to noncurrent loans | 318.4211% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 4,863 |
| Noncurrent loans to loans | 0.2111% | 4,356 |
| Net loans and leases to total assets | 47.1756% | 4,878 |
| Net loans and leases to deposits | 53.3269% | 4,976 |
| Net loans and leases to core deposits | 58.2749% | 4,867 |
| Total domestic deposits to total assets | 88.4650% | 1,446 |
| Equity capital to assets | 11.3846% | 2,275 |
| Core capital (leverage) ratio | 11.4035% | 2,022 |
| Tier 1 risk-based capital ratio | 21.3356% | 1,168 |
| Total risk-based capital ratio | 21.9320% | 1,245 |
| Memoranda: | ||
| Average total assets | $75,557,500 | 4,803 |
| Average earning assets | $71,188,500 | 4,762 |
| Average equity | $8,590,000 | 4,798 |
| Average total loans | $35,579,500 | 4,980 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7437% | 4,078 |
| Cost of funding earning assets | 0.4829% | 2,230 |
| Net interest margin | 3.2608% | 4,265 |
| Noninterest income to average assets | 0.6949% | 2,199 |
| Noninterest expense to average assets | 2.9310% | 2,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8150% | 3,239 |
| Return on assets (ROA) | 0.8150% | 3,344 |
| Pretax return on assets | 0.8150% | 4,144 |
| Return on Equity (ROE) | 6.8319% | 3,558 |
| Retained earnings to average equity (ytd only) | 3.8565% | 3,180 |
| Net charge-offs to loans | -0.0031% | 4,748 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2434% | 1,661 |
| Assets per employee ($millions) | 3.1380% | 5,233 |
| Cash dividends to net income (ytd only)* | 43.5511% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6684% | 5,416 |
| Loan loss allowance to noncurrent loans | 261.1111% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 4,456 |
| Noncurrent loans to loans | 0.2560% | 4,237 |
| Net loans and leases to total assets | 46.3691% | 4,995 |
| Net loans and leases to deposits | 52.3687% | 5,099 |
| Net loans and leases to core deposits | 57.0866% | 5,011 |
| Total domestic deposits to total assets | 88.5435% | 1,357 |
| Equity capital to assets | 11.3529% | 2,291 |
| Core capital (leverage) ratio | 12.0086% | 1,593 |
| Tier 1 risk-based capital ratio | 21.5803% | 1,131 |
| Total risk-based capital ratio | 22.1455% | 1,207 |
| Memoranda: | ||
| Average total assets | $73,251,000 | 4,859 |
| Average earning assets | $68,541,600 | 4,837 |
| Average equity | $8,738,400 | 4,796 |
| Average total loans | $32,278,400 | 5,123 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8435% | 3,787 |
| Cost of funding earning assets | 0.4885% | 2,189 |
| Net interest margin | 3.3550% | 4,016 |
| Noninterest income to average assets | 0.6911% | 2,209 |
| Noninterest expense to average assets | 2.9457% | 2,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8799% | 3,012 |
| Return on assets (ROA) | 0.8799% | 3,132 |
| Pretax return on assets | 0.8799% | 4,050 |
| Return on Equity (ROE) | 7.2845% | 3,411 |
| Retained earnings to average equity (ytd only) | 3.3388% | 3,896 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0005% | 1,838 |
| Assets per employee ($millions) | 2.8972% | 5,473 |
| Cash dividends to net income (ytd only)* | 54.1673% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7300% | 5,360 |
| Loan loss allowance to noncurrent loans | 281.9277% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 4,582 |
| Noncurrent loans to loans | 0.2589% | 4,337 |
| Net loans and leases to total assets | 43.9313% | 5,195 |
| Net loans and leases to deposits | 50.1592% | 5,294 |
| Net loans and leases to core deposits | 54.9191% | 5,195 |
| Total domestic deposits to total assets | 87.5837% | 1,622 |
| Equity capital to assets | 12.2354% | 1,955 |
| Core capital (leverage) ratio | 12.3763% | 1,453 |
| Tier 1 risk-based capital ratio | 23.9169% | 912 |
| Total risk-based capital ratio | 24.5489% | 953 |
| Memoranda: | ||
| Average total assets | $72,736,000 | 4,912 |
| Average earning assets | $67,956,250 | 4,888 |
| Average equity | $8,785,500 | 4,842 |
| Average total loans | $31,559,000 | 5,199 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9513% | 3,422 |
| Cost of funding earning assets | 0.4832% | 2,245 |
| Net interest margin | 3.4681% | 3,621 |
| Noninterest income to average assets | 0.7524% | 1,924 |
| Noninterest expense to average assets | 2.9655% | 2,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0187% | 2,303 |
| Return on assets (ROA) | 1.0187% | 2,440 |
| Pretax return on assets | 1.0187% | 3,519 |
| Return on Equity (ROE) | 8.4703% | 2,761 |
| Retained earnings to average equity (ytd only) | 4.0183% | 3,347 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4314% | 2,302 |
| Assets per employee ($millions) | 2.8364% | 5,584 |
| Cash dividends to net income (ytd only)* | 52.5606% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7612% | 5,372 |
| Loan loss allowance to noncurrent loans | 210.8108% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6741% | 2,981 |
| Noncurrent loans to loans | 0.3611% | 4,076 |
| Net loans and leases to total assets | 43.0227% | 5,281 |
| Net loans and leases to deposits | 49.2342% | 5,373 |
| Net loans and leases to core deposits | 54.1653% | 5,268 |
| Total domestic deposits to total assets | 87.3838% | 1,721 |
| Equity capital to assets | 12.4667% | 1,793 |
| Core capital (leverage) ratio | 11.9777% | 1,641 |
| Tier 1 risk-based capital ratio | 24.2054% | 882 |
| Total risk-based capital ratio | 24.8482% | 925 |
| Memoranda: | ||
| Average total assets | $72,838,330 | 4,962 |
| Average earning assets | $67,876,670 | 4,937 |
| Average equity | $8,760,000 | 4,879 |
| Average total loans | $31,394,330 | 5,256 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8321% | 3,832 |
| Cost of funding earning assets | 0.4761% | 2,315 |
| Net interest margin | 3.3560% | 4,022 |
| Noninterest income to average assets | 0.7588% | 1,781 |
| Noninterest expense to average assets | 2.8888% | 2,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0027% | 2,264 |
| Return on assets (ROA) | 1.0027% | 2,384 |
| Pretax return on assets | 1.0027% | 3,475 |
| Return on Equity (ROE) | 8.4862% | 2,667 |
| Retained earnings to average equity (ytd only) | 5.5046% | 2,645 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2340% | 2,438 |
| Assets per employee ($millions) | 3.1165% | 5,378 |
| Cash dividends to net income (ytd only)* | 35.1351% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7470% | 5,504 |
| Loan loss allowance to noncurrent loans | 102.6316% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.7955% | 2,709 |
| Noncurrent loans to loans | 0.7278% | 3,017 |
| Net loans and leases to total assets | 41.5696% | 5,372 |
| Net loans and leases to deposits | 47.1985% | 5,456 |
| Net loans and leases to core deposits | 52.2704% | 5,338 |
| Total domestic deposits to total assets | 88.0741% | 1,603 |
| Equity capital to assets | 11.8003% | 2,155 |
| Core capital (leverage) ratio | 11.8723% | 1,693 |
| Tier 1 risk-based capital ratio | 23.1399% | 1,000 |
| Total risk-based capital ratio | 23.7584% | 1,061 |
| Memoranda: | ||
| Average total assets | $73,803,000 | 4,981 |
| Average earning assets | $68,892,500 | 4,957 |
| Average equity | $8,720,000 | 4,917 |
| Average total loans | $31,721,000 | 5,278 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 3,923 |
| Cost of funding earning assets | 0.4950% | 2,199 |
| Net interest margin | 3.3426% | 4,139 |
| Noninterest income to average assets | 0.6918% | 2,244 |
| Noninterest expense to average assets | 3.0012% | 2,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8207% | 3,245 |
| Return on assets (ROA) | 0.8907% | 3,003 |
| Pretax return on assets | 0.8907% | 3,876 |
| Return on Equity (ROE) | 7.5354% | 3,231 |
| Retained earnings to average equity (ytd only) | 3.6847% | 3,429 |
| Net charge-offs to loans | 0.0061% | 4,241 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 293.0000% | 244 |
| Efficiency ratio | 78.5269% | 1,882 |
| Assets per employee ($millions) | 2.9124% | 5,601 |
| Cash dividends to net income (ytd only)* | 51.1006% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7286% | 5,588 |
| Loan loss allowance to noncurrent loans | 98.7342% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 0.8295% | 2,592 |
| Noncurrent loans to loans | 0.7379% | 2,962 |
| Net loans and leases to total assets | 43.7873% | 5,287 |
| Net loans and leases to deposits | 49.7100% | 5,409 |
| Net loans and leases to core deposits | 54.9216% | 5,261 |
| Total domestic deposits to total assets | 88.0856% | 1,583 |
| Equity capital to assets | 11.8306% | 2,090 |
| Core capital (leverage) ratio | 11.5651% | 1,912 |
| Tier 1 risk-based capital ratio | 21.2297% | 1,259 |
| Total risk-based capital ratio | 21.8274% | 1,342 |
| Memoranda: | ||
| Average total assets | $71,405,400 | 5,058 |
| Average earning assets | $66,864,000 | 5,023 |
| Average equity | $8,440,200 | 4,973 |
| Average total loans | $32,845,800 | 5,263 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8477% | 3,949 |
| Cost of funding earning assets | 0.4945% | 2,272 |
| Net interest margin | 3.3532% | 4,129 |
| Noninterest income to average assets | 0.6905% | 2,278 |
| Noninterest expense to average assets | 2.9442% | 2,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8894% | 3,003 |
| Return on assets (ROA) | 0.8894% | 3,092 |
| Pretax return on assets | 0.8894% | 4,016 |
| Return on Equity (ROE) | 7.5265% | 3,319 |
| Retained earnings to average equity (ytd only) | 2.3659% | 4,699 |
| Net charge-offs to loans | 0.0161% | 3,628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 118.5704% | 542 |
| Efficiency ratio | 76.7988% | 2,118 |
| Assets per employee ($millions) | 2.8639% | 5,696 |
| Cash dividends to net income (ytd only)* | 68.5655% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6974% | 5,734 |
| Loan loss allowance to noncurrent loans | 44.8743% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 0.8213% | 2,820 |
| Noncurrent loans to loans | 1.5540% | 1,605 |
| Net loans and leases to total assets | 46.1416% | 5,219 |
| Net loans and leases to deposits | 52.4423% | 5,347 |
| Net loans and leases to core deposits | 59.1449% | 5,123 |
| Total domestic deposits to total assets | 87.9855% | 1,566 |
| Equity capital to assets | 11.8343% | 2,235 |
| Core capital (leverage) ratio | 12.0086% | 1,670 |
| Tier 1 risk-based capital ratio | 22.5070% | 1,123 |
| Total risk-based capital ratio | 23.1233% | 1,194 |
| Memoranda: | ||
| Average total assets | $71,054,000 | 5,127 |
| Average earning assets | $66,600,500 | 5,088 |
| Average equity | $8,396,750 | 5,042 |
| Average total loans | $33,028,250 | 5,322 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7911% | 4,098 |
| Cost of funding earning assets | 0.4901% | 2,352 |
| Net interest margin | 3.3011% | 4,298 |
| Noninterest income to average assets | 0.6660% | 2,380 |
| Noninterest expense to average assets | 2.9235% | 2,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8409% | 3,168 |
| Return on assets (ROA) | 0.8409% | 3,274 |
| Pretax return on assets | 0.8409% | 4,159 |
| Return on Equity (ROE) | 7.1195% | 3,540 |
| Retained earnings to average equity (ytd only) | 1.1468% | 5,110 |
| Net charge-offs to loans | 0.0182% | 3,332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 99.3333% | 601 |
| Efficiency ratio | 77.6612% | 2,115 |
| Assets per employee ($millions) | 2.7319% | 5,884 |
| Cash dividends to net income (ytd only)* | 83.8926% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6849% | 5,849 |
| Loan loss allowance to noncurrent loans | 42.9098% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8644% | 2,822 |
| Noncurrent loans to loans | 1.5961% | 1,644 |
| Net loans and leases to total assets | 47.5679% | 5,140 |
| Net loans and leases to deposits | 54.0255% | 5,252 |
| Net loans and leases to core deposits | 61.3896% | 4,983 |
| Total domestic deposits to total assets | 88.0471% | 1,629 |
| Equity capital to assets | 11.7867% | 2,173 |
| Core capital (leverage) ratio | 11.8681% | 1,735 |
| Tier 1 risk-based capital ratio | 21.8009% | 1,233 |
| Total risk-based capital ratio | 22.4077% | 1,305 |
| Memoranda: | ||
| Average total assets | $70,873,000 | 5,189 |
| Average earning assets | $66,523,670 | 5,140 |
| Average equity | $8,371,330 | 5,079 |
| Average total loans | $32,948,330 | 5,373 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7231% | 4,287 |
| Cost of funding earning assets | 0.4880% | 2,399 |
| Net interest margin | 3.2351% | 4,469 |
| Noninterest income to average assets | 0.6724% | 2,293 |
| Noninterest expense to average assets | 2.8025% | 3,247 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9040% | 2,724 |
| Return on assets (ROA) | 0.9040% | 2,849 |
| Pretax return on assets | 0.9040% | 3,875 |
| Return on Equity (ROE) | 7.6454% | 3,138 |
| Retained earnings to average equity (ytd only) | 4.5395% | 3,305 |
| Net charge-offs to loans | 0.0370% | 2,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 53.3333% | 798 |
| Efficiency ratio | 75.6098% | 2,566 |
| Assets per employee ($millions) | 2.8883% | 5,794 |
| Cash dividends to net income (ytd only)* | 40.6250% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7230% | 5,860 |
| Loan loss allowance to noncurrent loans | 118.8776% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 4,480 |
| Noncurrent loans to loans | 0.6082% | 3,749 |
| Net loans and leases to total assets | 46.1512% | 5,188 |
| Net loans and leases to deposits | 52.6011% | 5,298 |
| Net loans and leases to core deposits | 59.4868% | 5,035 |
| Total domestic deposits to total assets | 87.7380% | 1,965 |
| Equity capital to assets | 12.1437% | 1,928 |
| Core capital (leverage) ratio | 11.9812% | 1,649 |
| Tier 1 risk-based capital ratio | 23.2902% | 1,075 |
| Total risk-based capital ratio | 23.9348% | 1,132 |
| Memoranda: | ||
| Average total assets | $70,795,000 | 5,238 |
| Average earning assets | $66,397,000 | 5,188 |
| Average equity | $8,371,000 | 5,121 |
| Average total loans | $32,412,500 | 5,422 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9431% | 3,957 |
| Cost of funding earning assets | 0.5022% | 2,658 |
| Net interest margin | 3.4410% | 4,018 |
| Noninterest income to average assets | 0.6526% | 2,536 |
| Noninterest expense to average assets | 2.7911% | 3,517 |
| Loan and lease loss provision to assets | 0.0071% | 4,487 |
| Net operating income to assets | 1.0678% | 2,095 |
| Return on assets (ROA) | 1.0678% | 2,149 |
| Pretax return on assets | 1.0678% | 3,217 |
| Return on Equity (ROE) | 9.4079% | 2,387 |
| Retained earnings to average equity (ytd only) | 6.1475% | 1,833 |
| Net charge-offs to loans | 0.0093% | 4,722 |
| Credit loss provision to net charge-offs | 166.6667% | 1,463 |
| Earnings coverage of net charge-offs (x) | 253.6667% | 214 |
| Efficiency ratio | 72.1958% | 3,171 |
| Assets per employee ($millions) | 3.0113% | 5,680 |
| Cash dividends to net income (ytd only)* | 34.6561% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7239% | 5,944 |
| Loan loss allowance to noncurrent loans | 181.5385% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2781% | 4,921 |
| Noncurrent loans to loans | 0.3988% | 4,449 |
| Net loans and leases to total assets | 44.7821% | 5,420 |
| Net loans and leases to deposits | 50.6931% | 5,547 |
| Net loans and leases to core deposits | 56.9989% | 5,315 |
| Total domestic deposits to total assets | 88.3396% | 1,601 |
| Equity capital to assets | 11.5179% | 2,419 |
| Core capital (leverage) ratio | 11.9498% | 1,659 |
| Tier 1 risk-based capital ratio | 23.4690% | 1,013 |
| Total risk-based capital ratio | 24.1344% | 1,078 |
| Memoranda: | ||
| Average total assets | $70,796,800 | 5,263 |
| Average earning assets | $66,115,200 | 5,222 |
| Average equity | $8,035,800 | 5,190 |
| Average total loans | $32,257,000 | 5,474 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8906% | 4,205 |
| Cost of funding earning assets | 0.5051% | 2,706 |
| Net interest margin | 3.3855% | 4,292 |
| Noninterest income to average assets | 0.6456% | 2,596 |
| Noninterest expense to average assets | 2.7772% | 3,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0280% | 2,332 |
| Return on assets (ROA) | 1.0280% | 2,388 |
| Pretax return on assets | 1.0280% | 3,475 |
| Return on Equity (ROE) | 9.0909% | 2,632 |
| Retained earnings to average equity (ytd only) | 4.7213% | 3,267 |
| Net charge-offs to loans | 0.0207% | 4,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 108.5427% | 554 |
| Efficiency ratio | 72.9851% | 3,002 |
| Assets per employee ($millions) | 2.7789% | 5,990 |
| Cash dividends to net income (ytd only)* | 48.0662% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6999% | 6,102 |
| Loan loss allowance to noncurrent loans | 298.7013% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 5,362 |
| Noncurrent loans to loans | 0.2343% | 5,197 |
| Net loans and leases to total assets | 46.9700% | 5,297 |
| Net loans and leases to deposits | 53.3204% | 5,432 |
| Net loans and leases to core deposits | 60.9481% | 5,122 |
| Total domestic deposits to total assets | 88.0902% | 1,715 |
| Equity capital to assets | 11.6766% | 2,337 |
| Core capital (leverage) ratio | 11.7555% | 1,861 |
| Tier 1 risk-based capital ratio | 22.1180% | 1,247 |
| Total risk-based capital ratio | 22.7451% | 1,322 |
| Memoranda: | ||
| Average total assets | $70,428,500 | 5,329 |
| Average earning assets | $65,730,000 | 5,290 |
| Average equity | $7,963,750 | 5,249 |
| Average total loans | $32,171,250 | 5,534 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 4,384 |
| Cost of funding earning assets | 0.5044% | 2,793 |
| Net interest margin | 3.3332% | 4,458 |
| Noninterest income to average assets | 0.6163% | 2,731 |
| Noninterest expense to average assets | 2.7704% | 3,608 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9470% | 2,562 |
| Return on assets (ROA) | 0.9470% | 2,662 |
| Pretax return on assets | 0.9470% | 3,691 |
| Return on Equity (ROE) | 8.4657% | 2,853 |
| Retained earnings to average equity (ytd only) | 3.5126% | 3,964 |
| Net charge-offs to loans | 0.0250% | 3,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 83.7500% | 633 |
| Efficiency ratio | 74.5247% | 2,888 |
| Assets per employee ($millions) | 2.8450% | 5,969 |
| Cash dividends to net income (ytd only)* | 58.5075% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7044% | 6,166 |
| Loan loss allowance to noncurrent loans | 200.8696% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 5,308 |
| Noncurrent loans to loans | 0.3507% | 4,951 |
| Net loans and leases to total assets | 45.7820% | 5,384 |
| Net loans and leases to deposits | 51.6677% | 5,519 |
| Net loans and leases to core deposits | 59.7874% | 5,142 |
| Total domestic deposits to total assets | 88.6086% | 1,578 |
| Equity capital to assets | 11.2044% | 2,690 |
| Core capital (leverage) ratio | 11.1558% | 2,288 |
| Tier 1 risk-based capital ratio | 21.5576% | 1,336 |
| Total risk-based capital ratio | 22.1825% | 1,435 |
| Memoranda: | ||
| Average total assets | $70,747,330 | 5,364 |
| Average earning assets | $65,823,330 | 5,327 |
| Average equity | $7,914,330 | 5,292 |
| Average total loans | $31,941,330 | 5,580 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7856% | 4,547 |
| Cost of funding earning assets | 0.5076% | 2,821 |
| Net interest margin | 3.2780% | 4,629 |
| Noninterest income to average assets | 0.6746% | 2,322 |
| Noninterest expense to average assets | 2.6928% | 3,951 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0204% | 2,127 |
| Return on assets (ROA) | 1.0204% | 2,195 |
| Pretax return on assets | 1.0204% | 3,251 |
| Return on Equity (ROE) | 9.1289% | 2,401 |
| Retained earnings to average equity (ytd only) | 5.7817% | 2,656 |
| Net charge-offs to loans | 0.0381% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 654 |
| Efficiency ratio | 72.5191% | 3,394 |
| Assets per employee ($millions) | 2.9930% | 5,867 |
| Cash dividends to net income (ytd only)* | 36.6667% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7314% | 6,222 |
| Loan loss allowance to noncurrent loans | 225.2427% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 4,533 |
| Noncurrent loans to loans | 0.3247% | 5,134 |
| Net loans and leases to total assets | 43.8364% | 5,529 |
| Net loans and leases to deposits | 49.3782% | 5,640 |
| Net loans and leases to core deposits | 57.0164% | 5,279 |
| Total domestic deposits to total assets | 88.7767% | 1,787 |
| Equity capital to assets | 11.0590% | 2,671 |
| Core capital (leverage) ratio | 11.1571% | 2,261 |
| Tier 1 risk-based capital ratio | 22.0618% | 1,285 |
| Total risk-based capital ratio | 22.7061% | 1,359 |
| Memoranda: | ||
| Average total assets | $70,559,000 | 5,422 |
| Average earning assets | $65,405,000 | 5,393 |
| Average equity | $7,887,000 | 5,330 |
| Average total loans | $31,515,500 | 5,652 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4579% | 2,362 |
| Cost of funding earning assets | 0.6092% | 2,580 |
| Net interest margin | 3.8488% | 2,472 |
| Noninterest income to average assets | 0.7287% | 2,387 |
| Noninterest expense to average assets | 2.9192% | 3,316 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8786% | 2,888 |
| Return on assets (ROA) | 0.8786% | 2,976 |
| Pretax return on assets | 0.8786% | 3,857 |
| Return on Equity (ROE) | 7.6881% | 3,202 |
| Retained earnings to average equity (ytd only) | 4.2770% | 3,132 |
| Net charge-offs to loans | 0.0098% | 5,255 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 195.3333% | 230 |
| Efficiency ratio | 76.8654% | 2,642 |
| Assets per employee ($millions) | 3.0124% | 5,814 |
| Cash dividends to net income (ytd only)* | 44.3686% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7506% | 6,266 |
| Loan loss allowance to noncurrent loans | 330.9859% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 4,705 |
| Noncurrent loans to loans | 0.2268% | 5,508 |
| Net loans and leases to total assets | 44.8510% | 5,595 |
| Net loans and leases to deposits | 50.6347% | 5,720 |
| Net loans and leases to core deposits | 58.4193% | 5,353 |
| Total domestic deposits to total assets | 88.5776% | 1,870 |
| Equity capital to assets | 11.3011% | 2,342 |
| Core capital (leverage) ratio | 11.7986% | 1,757 |
| Tier 1 risk-based capital ratio | 21.6711% | 1,305 |
| Total risk-based capital ratio | 22.3216% | 1,387 |
| Memoranda: | ||
| Average total assets | $66,695,600 | 5,575 |
| Average earning assets | $53,186,000 | 5,801 |
| Average equity | $7,622,200 | 5,431 |
| Average total loans | $30,731,000 | 5,725 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6260% | 1,809 |
| Cost of funding earning assets | 0.6431% | 2,426 |
| Net interest margin | 3.9829% | 2,002 |
| Noninterest income to average assets | 0.7166% | 2,528 |
| Noninterest expense to average assets | 2.9008% | 3,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8539% | 3,080 |
| Return on assets (ROA) | 0.8539% | 3,192 |
| Pretax return on assets | 0.8539% | 4,078 |
| Return on Equity (ROE) | 7.4501% | 3,407 |
| Retained earnings to average equity (ytd only) | 2.8708% | 4,607 |
| Net charge-offs to loans | 0.0087% | 4,980 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 211.2322% | 276 |
| Efficiency ratio | 77.2581% | 2,520 |
| Assets per employee ($millions) | 2.8755% | 6,041 |
| Cash dividends to net income (ytd only)* | 61.4656% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7544% | 6,362 |
| Loan loss allowance to noncurrent loans | 245.8333% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.5746% | 4,726 |
| Noncurrent loans to loans | 0.3069% | 5,460 |
| Net loans and leases to total assets | 46.9465% | 5,456 |
| Net loans and leases to deposits | 53.2518% | 5,611 |
| Net loans and leases to core deposits | 60.1154% | 5,290 |
| Total domestic deposits to total assets | 88.1594% | 2,026 |
| Equity capital to assets | 11.5926% | 2,230 |
| Core capital (leverage) ratio | 11.9999% | 1,669 |
| Tier 1 risk-based capital ratio | 21.4060% | 1,416 |
| Total risk-based capital ratio | 22.0649% | 1,502 |
| Memoranda: | ||
| Average total assets | $66,048,250 | 5,650 |
| Average earning assets | $50,380,750 | 5,946 |
| Average equity | $7,570,250 | 5,502 |
| Average total loans | $30,586,250 | 5,783 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8767% | 1,153 |
| Cost of funding earning assets | 0.7046% | 2,037 |
| Net interest margin | 4.1721% | 1,354 |
| Noninterest income to average assets | 0.6968% | 2,660 |
| Noninterest expense to average assets | 2.9234% | 3,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7331% | 3,651 |
| Return on assets (ROA) | 0.7331% | 3,811 |
| Pretax return on assets | 0.7331% | 4,563 |
| Return on Equity (ROE) | 6.4208% | 3,923 |
| Retained earnings to average equity (ytd only) | 1.2470% | 5,397 |
| Net charge-offs to loans | 0.0198% | 4,446 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 80.6667% | 560 |
| Efficiency ratio | 79.9503% | 2,161 |
| Assets per employee ($millions) | 2.6924% | 6,304 |
| Cash dividends to net income (ytd only)* | 80.5785% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7881% | 6,377 |
| Loan loss allowance to noncurrent loans | 229.1262% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.6299% | 4,656 |
| Noncurrent loans to loans | 0.3440% | 5,437 |
| Net loans and leases to total assets | 45.9748% | 5,533 |
| Net loans and leases to deposits | 52.1651% | 5,677 |
| Net loans and leases to core deposits | 58.3803% | 5,389 |
| Total domestic deposits to total assets | 88.1333% | 2,148 |
| Equity capital to assets | 11.6856% | 2,140 |
| Core capital (leverage) ratio | 11.5595% | 1,889 |
| Tier 1 risk-based capital ratio | 22.3521% | 1,228 |
| Total risk-based capital ratio | 23.0507% | 1,300 |
| Memoranda: | ||
| Average total assets | $66,018,670 | 5,691 |
| Average earning assets | $46,834,670 | 6,074 |
| Average equity | $7,538,000 | 5,551 |
| Average total loans | $30,353,330 | 5,831 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9208% | 1,025 |
| Cost of funding earning assets | 0.7411% | 1,914 |
| Net interest margin | 4.1797% | 1,243 |
| Noninterest income to average assets | 0.6895% | 2,655 |
| Noninterest expense to average assets | 2.8777% | 3,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7194% | 3,595 |
| Return on assets (ROA) | 0.7194% | 3,729 |
| Pretax return on assets | 0.7194% | 4,490 |
| Return on Equity (ROE) | 6.3732% | 3,837 |
| Retained earnings to average equity (ytd only) | 2.9211% | 4,530 |
| Net charge-offs to loans | 0.0393% | 3,479 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 790 |
| Efficiency ratio | 80.0000% | 2,331 |
| Assets per employee ($millions) | 2.7670% | 6,331 |
| Cash dividends to net income (ytd only)* | 54.1667% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7750% | 6,496 |
| Loan loss allowance to noncurrent loans | 261.1111% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.5933% | 4,905 |
| Noncurrent loans to loans | 0.2968% | 5,659 |
| Net loans and leases to total assets | 45.3085% | 5,513 |
| Net loans and leases to deposits | 51.2075% | 5,692 |
| Net loans and leases to core deposits | 57.2222% | 5,420 |
| Total domestic deposits to total assets | 88.4801% | 2,021 |
| Equity capital to assets | 11.3828% | 2,546 |
| Core capital (leverage) ratio | 11.6155% | 1,806 |
| Tier 1 risk-based capital ratio | 22.1405% | 1,306 |
| Total risk-based capital ratio | 22.8289% | 1,383 |
| Memoranda: | ||
| Average total assets | $66,719,000 | 5,717 |
| Average earning assets | $46,415,000 | 6,145 |
| Average equity | $7,531,500 | 5,619 |
| Average total loans | $30,558,000 | 5,867 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9456% | 1,700 |
| Cost of funding earning assets | 0.8572% | 2,246 |
| Net interest margin | 4.0884% | 2,047 |
| Noninterest income to average assets | 0.6603% | 2,936 |
| Noninterest expense to average assets | 2.9069% | 3,604 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7417% | 3,549 |
| Return on assets (ROA) | 0.8430% | 3,337 |
| Pretax return on assets | 0.8430% | 4,143 |
| Return on Equity (ROE) | 7.4641% | 3,361 |
| Retained earnings to average equity (ytd only) | 3.9020% | 3,451 |
| Net charge-offs to loans | 0.0166% | 5,679 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 96.6000% | 402 |
| Efficiency ratio | 79.6717% | 2,184 |
| Assets per employee ($millions) | 2.7930% | 6,328 |
| Cash dividends to net income (ytd only)* | 47.7231% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7729% | 6,535 |
| Loan loss allowance to noncurrent loans | 218.3486% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.6161% | 4,931 |
| Noncurrent loans to loans | 0.3540% | 5,602 |
| Net loans and leases to total assets | 45.5834% | 5,659 |
| Net loans and leases to deposits | 51.3935% | 5,859 |
| Net loans and leases to core deposits | 58.0441% | 5,537 |
| Total domestic deposits to total assets | 88.6948% | 1,771 |
| Equity capital to assets | 11.1948% | 2,739 |
| Core capital (leverage) ratio | 11.5783% | 1,822 |
| Tier 1 risk-based capital ratio | 21.9057% | 1,278 |
| Total risk-based capital ratio | 22.6004% | 1,362 |
| Memoranda: | ||
| Average total assets | $65,121,600 | 5,781 |
| Average earning assets | $47,597,600 | 6,131 |
| Average equity | $7,355,200 | 5,678 |
| Average total loans | $30,166,200 | 5,940 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8556% | 2,171 |
| Cost of funding earning assets | 0.8740% | 2,366 |
| Net interest margin | 3.9816% | 2,571 |
| Noninterest income to average assets | 0.6394% | 3,047 |
| Noninterest expense to average assets | 2.9102% | 3,554 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6889% | 3,957 |
| Return on assets (ROA) | 0.8621% | 3,410 |
| Pretax return on assets | 0.8621% | 4,253 |
| Return on Equity (ROE) | 7.6157% | 3,465 |
| Retained earnings to average equity (ytd only) | 2.8422% | 4,843 |
| Net charge-offs to loans | 0.0089% | 5,591 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 166.7865% | 265 |
| Efficiency ratio | 80.8596% | 1,964 |
| Assets per employee ($millions) | 2.6033% | 6,598 |
| Cash dividends to net income (ytd only)* | 62.6785% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7695% | 6,658 |
| Loan loss allowance to noncurrent loans | 617.9487% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.5490% | 5,300 |
| Noncurrent loans to loans | 0.1245% | 6,298 |
| Net loans and leases to total assets | 49.7407% | 5,341 |
| Net loans and leases to deposits | 56.5373% | 5,584 |
| Net loans and leases to core deposits | 64.7526% | 5,077 |
| Total domestic deposits to total assets | 87.9786% | 2,056 |
| Equity capital to assets | 11.8006% | 2,436 |
| Core capital (leverage) ratio | 11.5657% | 1,939 |
| Tier 1 risk-based capital ratio | 21.2920% | 1,452 |
| Total risk-based capital ratio | 21.9880% | 1,556 |
| Memoranda: | ||
| Average total assets | $64,644,250 | 5,859 |
| Average earning assets | $48,053,250 | 6,196 |
| Average equity | $7,318,000 | 5,743 |
| Average total loans | $30,009,500 | 6,019 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9581% | 1,903 |
| Cost of funding earning assets | 0.9102% | 2,317 |
| Net interest margin | 4.0478% | 2,304 |
| Noninterest income to average assets | 0.6456% | 2,975 |
| Noninterest expense to average assets | 2.8914% | 3,656 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7068% | 3,837 |
| Return on assets (ROA) | 0.9607% | 2,862 |
| Pretax return on assets | 0.9607% | 3,848 |
| Return on Equity (ROE) | 8.6031% | 2,980 |
| Retained earnings to average equity (ytd only) | 3.2056% | 4,483 |
| Net charge-offs to loans | -0.0068% | 6,219 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3571% | 2,115 |
| Assets per employee ($millions) | 2.7100% | 6,519 |
| Cash dividends to net income (ytd only)* | 62.7389% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 6,622 |
| Loan loss allowance to noncurrent loans | 787.0968% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 5,381 |
| Noncurrent loans to loans | 0.1049% | 6,405 |
| Net loans and leases to total assets | 45.0500% | 5,919 |
| Net loans and leases to deposits | 50.8751% | 6,118 |
| Net loans and leases to core deposits | 58.0321% | 5,769 |
| Total domestic deposits to total assets | 88.5503% | 1,788 |
| Equity capital to assets | 11.2760% | 2,825 |
| Core capital (leverage) ratio | 11.3792% | 1,986 |
| Tier 1 risk-based capital ratio | 20.5463% | 1,562 |
| Total risk-based capital ratio | 21.2299% | 1,676 |
| Memoranda: | ||
| Average total assets | $65,365,670 | 5,870 |
| Average earning assets | $47,679,670 | 6,242 |
| Average equity | $7,299,670 | 5,757 |
| Average total loans | $29,573,000 | 6,087 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8959% | 2,258 |
| Cost of funding earning assets | 0.9403% | 2,373 |
| Net interest margin | 3.9557% | 2,689 |
| Noninterest income to average assets | 0.7020% | 2,655 |
| Noninterest expense to average assets | 2.9056% | 3,598 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7752% | 3,505 |
| Return on assets (ROA) | 1.2086% | 1,889 |
| Pretax return on assets | 1.2086% | 2,882 |
| Return on Equity (ROE) | 10.8754% | 2,071 |
| Retained earnings to average equity (ytd only) | 7.1953% | 2,325 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9386% | 2,363 |
| Assets per employee ($millions) | 2.6091% | 6,732 |
| Cash dividends to net income (ytd only)* | 33.8384% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8240% | 6,701 |
| Loan loss allowance to noncurrent loans | 307.5949% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.6224% | 5,339 |
| Noncurrent loans to loans | 0.2679% | 6,149 |
| Net loans and leases to total assets | 44.8373% | 5,912 |
| Net loans and leases to deposits | 50.6205% | 6,095 |
| Net loans and leases to core deposits | 57.5777% | 5,751 |
| Total domestic deposits to total assets | 88.5753% | 1,968 |
| Equity capital to assets | 11.2653% | 2,666 |
| Core capital (leverage) ratio | 11.4252% | 1,943 |
| Tier 1 risk-based capital ratio | 20.4645% | 1,600 |
| Total risk-based capital ratio | 21.1413% | 1,708 |
| Memoranda: | ||
| Average total assets | $65,528,000 | 5,903 |
| Average earning assets | $49,347,000 | 6,226 |
| Average equity | $7,282,500 | 5,795 |
| Average total loans | $29,587,000 | 6,132 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0428% | 2,690 |
| Cost of funding earning assets | 1.1420% | 2,399 |
| Net interest margin | 3.9008% | 3,336 |
| Noninterest income to average assets | 0.7816% | 2,154 |
| Noninterest expense to average assets | 2.9868% | 3,638 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8545% | 2,799 |
| Return on assets (ROA) | 0.8545% | 2,954 |
| Pretax return on assets | 0.8545% | 3,764 |
| Return on Equity (ROE) | 7.7002% | 3,059 |
| Retained earnings to average equity (ytd only) | 5.2716% | 2,472 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7548% | 2,622 |
| Assets per employee ($millions) | 2.6332% | 6,681 |
| Cash dividends to net income (ytd only)* | 31.5399% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8186% | 6,701 |
| Loan loss allowance to noncurrent loans | 433.9286% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.5818% | 5,517 |
| Noncurrent loans to loans | 0.1886% | 6,371 |
| Net loans and leases to total assets | 44.7250% | 6,141 |
| Net loans and leases to deposits | 50.3093% | 6,340 |
| Net loans and leases to core deposits | 57.6763% | 6,025 |
| Total domestic deposits to total assets | 88.9000% | 1,608 |
| Equity capital to assets | 10.9633% | 3,012 |
| Core capital (leverage) ratio | 11.3464% | 2,006 |
| Tier 1 risk-based capital ratio | 19.9674% | 1,652 |
| Total risk-based capital ratio | 20.6397% | 1,765 |
| Memoranda: | ||
| Average total assets | $63,077,800 | 5,953 |
| Average earning assets | $49,476,600 | 6,213 |
| Average equity | $6,999,800 | 5,865 |
| Average total loans | $28,455,400 | 6,222 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0671% | 2,765 |
| Cost of funding earning assets | 1.1888% | 2,393 |
| Net interest margin | 3.8783% | 3,487 |
| Noninterest income to average assets | 0.7309% | 2,410 |
| Noninterest expense to average assets | 3.0111% | 3,521 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8014% | 3,158 |
| Return on assets (ROA) | 0.8014% | 3,318 |
| Pretax return on assets | 0.8014% | 4,126 |
| Return on Equity (ROE) | 7.1988% | 3,427 |
| Retained earnings to average equity (ytd only) | 3.9354% | 3,923 |
| Net charge-offs to loans | 0.0095% | 6,028 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 187.2622% | 206 |
| Efficiency ratio | 78.9798% | 2,408 |
| Assets per employee ($millions) | 2.5504% | 6,837 |
| Cash dividends to net income (ytd only)* | 45.3329% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7921% | 6,834 |
| Loan loss allowance to noncurrent loans | 204.2373% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.7287% | 5,333 |
| Noncurrent loans to loans | 0.3878% | 6,081 |
| Net loans and leases to total assets | 49.3163% | 5,794 |
| Net loans and leases to deposits | 55.8928% | 6,047 |
| Net loans and leases to core deposits | 64.9818% | 5,526 |
| Total domestic deposits to total assets | 88.2338% | 1,904 |
| Equity capital to assets | 11.5228% | 2,658 |
| Core capital (leverage) ratio | 11.4504% | 2,061 |
| Tier 1 risk-based capital ratio | 19.7347% | 1,751 |
| Total risk-based capital ratio | 20.4091% | 1,853 |
| Memoranda: | ||
| Average total assets | $62,390,000 | 6,021 |
| Average earning assets | $49,574,000 | 6,262 |
| Average equity | $6,945,500 | 5,915 |
| Average total loans | $28,148,000 | 6,297 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0003% | 3,156 |
| Cost of funding earning assets | 1.2110% | 2,500 |
| Net interest margin | 3.7893% | 3,838 |
| Noninterest income to average assets | 0.6881% | 2,613 |
| Noninterest expense to average assets | 2.9307% | 3,900 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7677% | 3,213 |
| Return on assets (ROA) | 0.7677% | 3,346 |
| Pretax return on assets | 0.7677% | 4,156 |
| Return on Equity (ROE) | 6.9757% | 3,459 |
| Retained earnings to average equity (ytd only) | 3.0682% | 4,322 |
| Net charge-offs to loans | 0.0365% | 5,342 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 48.2000% | 641 |
| Efficiency ratio | 79.2420% | 2,514 |
| Assets per employee ($millions) | 2.4712% | 6,947 |
| Cash dividends to net income (ytd only)* | 56.0166% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 6,746 |
| Loan loss allowance to noncurrent loans | 330.5556% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.6459% | 5,620 |
| Noncurrent loans to loans | 0.2601% | 6,405 |
| Net loans and leases to total assets | 44.4293% | 6,400 |
| Net loans and leases to deposits | 50.1718% | 6,577 |
| Net loans and leases to core deposits | 57.2430% | 6,328 |
| Total domestic deposits to total assets | 88.5544% | 1,817 |
| Equity capital to assets | 11.2563% | 2,717 |
| Core capital (leverage) ratio | 10.8626% | 2,361 |
| Tier 1 risk-based capital ratio | 20.5242% | 1,511 |
| Total risk-based capital ratio | 21.2266% | 1,590 |
| Memoranda: | ||
| Average total assets | $62,783,670 | 6,060 |
| Average earning assets | $49,877,330 | 6,300 |
| Average equity | $6,909,670 | 5,948 |
| Average total loans | $27,388,330 | 6,393 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8408% | 3,865 |
| Cost of funding earning assets | 1.2181% | 2,697 |
| Net interest margin | 3.6227% | 4,473 |
| Noninterest income to average assets | 0.6321% | 2,950 |
| Noninterest expense to average assets | 2.8758% | 4,166 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6700% | 3,658 |
| Return on assets (ROA) | 0.6700% | 3,729 |
| Pretax return on assets | 0.6700% | 4,419 |
| Return on Equity (ROE) | 6.1561% | 3,813 |
| Retained earnings to average equity (ytd only) | 4.5880% | 3,428 |
| Net charge-offs to loans | 0.0441% | 4,501 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 35.3333% | 741 |
| Efficiency ratio | 81.1052% | 2,354 |
| Assets per employee ($millions) | 2.5636% | 6,893 |
| Cash dividends to net income (ytd only)* | 25.4717% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 6,713 |
| Loan loss allowance to noncurrent loans | 666.6667% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.5664% | 5,843 |
| Noncurrent loans to loans | 0.1342% | 6,708 |
| Net loans and leases to total assets | 41.4798% | 6,673 |
| Net loans and leases to deposits | 46.5928% | 6,812 |
| Net loans and leases to core deposits | 52.4784% | 6,654 |
| Total domestic deposits to total assets | 89.0262% | 1,759 |
| Equity capital to assets | 10.8084% | 2,873 |
| Core capital (leverage) ratio | 11.0345% | 2,164 |
| Tier 1 risk-based capital ratio | 20.5141% | 1,475 |
| Total risk-based capital ratio | 21.2249% | 1,559 |
| Memoranda: | ||
| Average total assets | $63,286,000 | 6,085 |
| Average earning assets | $50,901,000 | 6,308 |
| Average equity | $6,887,500 | 5,957 |
| Average total loans | $27,239,500 | 6,456 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9813% | 4,644 |
| Cost of funding earning assets | 1.4980% | 2,652 |
| Net interest margin | 3.4834% | 5,311 |
| Noninterest income to average assets | 0.6992% | 2,847 |
| Noninterest expense to average assets | 2.9597% | 3,999 |
| Loan and lease loss provision to assets | 0.0997% | 6,148 |
| Net operating income to assets | 0.5597% | 3,848 |
| Return on assets (ROA) | 0.5597% | 4,009 |
| Pretax return on assets | 0.5597% | 4,451 |
| Return on Equity (ROE) | 4.6970% | 4,206 |
| Retained earnings to average equity (ytd only) | -7.4288% | 6,487 |
| Net charge-offs to loans | 0.0292% | 6,512 |
| Credit loss provision to net charge-offs | 750.0000% | 286 |
| Earnings coverage of net charge-offs (x) | 49.6250% | 470 |
| Efficiency ratio | 81.7806% | 2,194 |
| Assets per employee ($millions) | 2.7167% | 6,656 |
| Cash dividends to net income (ytd only)* | 258.1602% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8787% | 6,773 |
| Loan loss allowance to noncurrent loans | 332.8767% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.5810% | 5,860 |
| Noncurrent loans to loans | 0.2640% | 6,537 |
| Net loans and leases to total assets | 43.8711% | 6,725 |
| Net loans and leases to deposits | 49.3528% | 6,885 |
| Net loans and leases to core deposits | 55.2650% | 6,741 |
| Total domestic deposits to total assets | 88.8930% | 1,720 |
| Equity capital to assets | 10.9598% | 2,723 |
| Core capital (leverage) ratio | 11.4926% | 1,837 |
| Tier 1 risk-based capital ratio | 20.3525% | 1,426 |
| Total risk-based capital ratio | 21.0747% | 1,491 |
| Memoranda: | ||
| Average total assets | $60,207,800 | 6,186 |
| Average earning assets | $50,468,600 | 6,350 |
| Average equity | $7,174,800 | 5,974 |
| Average total loans | $27,425,400 | 6,532 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9814% | 4,902 |
| Cost of funding earning assets | 1.5404% | 2,722 |
| Net interest margin | 3.4410% | 5,526 |
| Noninterest income to average assets | 0.7534% | 2,486 |
| Noninterest expense to average assets | 2.9846% | 3,803 |
| Loan and lease loss provision to assets | 0.1006% | 6,015 |
| Net operating income to assets | 0.5947% | 3,894 |
| Return on assets (ROA) | 0.5947% | 4,054 |
| Pretax return on assets | 0.5947% | 4,614 |
| Return on Equity (ROE) | 4.8875% | 4,344 |
| Retained earnings to average equity (ytd only) | -11.0978% | 6,930 |
| Net charge-offs to loans | 0.0341% | 6,219 |
| Credit loss provision to net charge-offs | 642.8571% | 457 |
| Earnings coverage of net charge-offs (x) | 44.4437% | 629 |
| Efficiency ratio | 81.1057% | 2,187 |
| Assets per employee ($millions) | 2.5416% | 7,021 |
| Cash dividends to net income (ytd only)* | 327.0654% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 6,957 |
| Loan loss allowance to noncurrent loans | 416.3636% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.6466% | 5,834 |
| Noncurrent loans to loans | 0.1973% | 6,782 |
| Net loans and leases to total assets | 47.3066% | 6,579 |
| Net loans and leases to deposits | 53.6637% | 6,789 |
| Net loans and leases to core deposits | 60.0287% | 6,596 |
| Total domestic deposits to total assets | 88.1537% | 1,871 |
| Equity capital to assets | 11.5931% | 2,460 |
| Core capital (leverage) ratio | 11.5226% | 1,927 |
| Tier 1 risk-based capital ratio | 21.1629% | 1,332 |
| Total risk-based capital ratio | 21.8780% | 1,403 |
| Memoranda: | ||
| Average total assets | $59,639,000 | 6,283 |
| Average earning assets | $50,720,500 | 6,416 |
| Average equity | $7,256,500 | 6,024 |
| Average total loans | $27,368,000 | 6,622 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8397% | 5,641 |
| Cost of funding earning assets | 1.5464% | 2,978 |
| Net interest margin | 3.2933% | 6,034 |
| Noninterest income to average assets | 0.7496% | 2,396 |
| Noninterest expense to average assets | 2.9817% | 3,774 |
| Loan and lease loss provision to assets | 0.0999% | 5,910 |
| Net operating income to assets | 0.5131% | 4,268 |
| Return on assets (ROA) | 0.5131% | 4,420 |
| Pretax return on assets | 0.5131% | 4,869 |
| Return on Equity (ROE) | 4.1530% | 4,710 |
| Retained earnings to average equity (ytd only) | 1.7259% | 5,010 |
| Net charge-offs to loans | 0.0588% | 5,567 |
| Credit loss provision to net charge-offs | 375.0000% | 968 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,116 |
| Efficiency ratio | 82.9472% | 2,050 |
| Assets per employee ($millions) | 2.6104% | 6,932 |
| Cash dividends to net income (ytd only)* | 58.4416% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7578% | 7,127 |
| Loan loss allowance to noncurrent loans | 532.5000% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.6046% | 5,980 |
| Noncurrent loans to loans | 0.1423% | 6,974 |
| Net loans and leases to total assets | 46.4615% | 6,749 |
| Net loans and leases to deposits | 53.1840% | 6,914 |
| Net loans and leases to core deposits | 60.9247% | 6,642 |
| Total domestic deposits to total assets | 87.3599% | 2,349 |
| Equity capital to assets | 12.4003% | 1,865 |
| Core capital (leverage) ratio | 12.3941% | 1,453 |
| Tier 1 risk-based capital ratio | 23.0267% | 1,073 |
| Total risk-based capital ratio | 23.6855% | 1,110 |
| Memoranda: | ||
| Average total assets | $60,033,000 | 6,300 |
| Average earning assets | $51,862,330 | 6,412 |
| Average equity | $7,416,330 | 5,991 |
| Average total loans | $27,196,330 | 6,675 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8368% | 5,738 |
| Cost of funding earning assets | 1.5660% | 3,162 |
| Net interest margin | 3.2708% | 6,067 |
| Noninterest income to average assets | 0.6730% | 2,789 |
| Noninterest expense to average assets | 2.9119% | 4,008 |
| Loan and lease loss provision to assets | 0.1000% | 5,632 |
| Net operating income to assets | 0.4864% | 4,465 |
| Return on assets (ROA) | 0.4864% | 4,600 |
| Pretax return on assets | 0.4864% | 5,012 |
| Return on Equity (ROE) | 3.9449% | 4,917 |
| Retained earnings to average equity (ytd only) | 2.2697% | 4,774 |
| Net charge-offs to loans | 0.0299% | 5,150 |
| Credit loss provision to net charge-offs | 750.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 630 |
| Efficiency ratio | 83.2381% | 2,112 |
| Assets per employee ($millions) | 2.4802% | 7,225 |
| Cash dividends to net income (ytd only)* | 42.4658% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7388% | 7,274 |
| Loan loss allowance to noncurrent loans | 485.7143% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.6132% | 5,985 |
| Noncurrent loans to loans | 0.1521% | 7,033 |
| Net loans and leases to total assets | 46.0487% | 6,825 |
| Net loans and leases to deposits | 52.7349% | 6,996 |
| Net loans and leases to core deposits | 60.4117% | 6,715 |
| Total domestic deposits to total assets | 87.3211% | 2,450 |
| Equity capital to assets | 12.4706% | 1,775 |
| Core capital (leverage) ratio | 12.4253% | 1,437 |
| Tier 1 risk-based capital ratio | 23.0478% | 1,068 |
| Total risk-based capital ratio | 23.6812% | 1,123 |
| Memoranda: | ||
| Average total assets | $60,030,000 | 6,381 |
| Average earning assets | $51,852,500 | 6,481 |
| Average equity | $7,402,000 | 6,056 |
| Average total loans | $26,740,500 | 6,789 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2010% | 5,646 |
| Cost of funding earning assets | 1.7807% | 4,099 |
| Net interest margin | 3.4203% | 5,290 |
| Noninterest income to average assets | 0.6956% | 3,008 |
| Noninterest expense to average assets | 3.3458% | 2,851 |
| Loan and lease loss provision to assets | 0.0685% | 6,895 |
| Net operating income to assets | 0.3152% | 4,472 |
| Return on assets (ROA) | 0.3169% | 4,549 |
| Pretax return on assets | 0.3169% | 4,715 |
| Return on Equity (ROE) | 2.4935% | 4,712 |
| Retained earnings to average equity (ytd only) | -0.4717% | 5,096 |
| Net charge-offs to loans | 0.0075% | 7,127 |
| Credit loss provision to net charge-offs | 2,000.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 252 |
| Efficiency ratio | 89.7106% | 1,726 |
| Assets per employee ($millions) | 2.4214% | 7,325 |
| Cash dividends to net income (ytd only)* | 118.9189% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7345% | 7,299 |
| Loan loss allowance to noncurrent loans | 422.2222% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.9383% | 5,230 |
| Noncurrent loans to loans | 0.1740% | 6,987 |
| Net loans and leases to total assets | 42.4161% | 7,229 |
| Net loans and leases to deposits | 48.4134% | 7,338 |
| Net loans and leases to core deposits | 67.3036% | 6,916 |
| Total domestic deposits to total assets | 87.6123% | 2,167 |
| Equity capital to assets | 12.1927% | 1,917 |
| Core capital (leverage) ratio | 12.6292% | 1,392 |
| Tier 1 risk-based capital ratio | 23.2714% | 1,012 |
| Total risk-based capital ratio | 23.8705% | 1,057 |
| Memoranda: | ||
| Average total assets | $58,371,000 | 6,418 |
| Average earning assets | $51,778,800 | 6,472 |
| Average equity | $7,419,400 | 6,119 |
| Average total loans | $26,625,000 | 6,825 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2618% | 5,625 |
| Cost of funding earning assets | 1.8061% | 4,359 |
| Net interest margin | 3.4557% | 5,046 |
| Noninterest income to average assets | 0.6456% | 3,376 |
| Noninterest expense to average assets | 3.2970% | 2,934 |
| Loan and lease loss provision to assets | 0.0576% | 6,785 |
| Net operating income to assets | 0.3966% | 4,412 |
| Return on assets (ROA) | 0.3989% | 4,503 |
| Pretax return on assets | 0.3989% | 4,803 |
| Return on Equity (ROE) | 3.1049% | 4,743 |
| Retained earnings to average equity (ytd only) | -0.8436% | 5,452 |
| Net charge-offs to loans | 0.0149% | 6,710 |
| Credit loss provision to net charge-offs | 833.3333% | 457 |
| Earnings coverage of net charge-offs (x) | 65.6650% | 502 |
| Efficiency ratio | 87.8918% | 1,887 |
| Assets per employee ($millions) | 2.3941% | 7,386 |
| Cash dividends to net income (ytd only)* | 127.1699% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6725% | 7,437 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 1.0060% | 5,065 |
| Noncurrent loans to loans | 0.2242% | 6,939 |
| Net loans and leases to total assets | 44.7283% | 7,197 |
| Net loans and leases to deposits | 51.4834% | 7,332 |
| Net loans and leases to core deposits | 74.6247% | 6,694 |
| Total domestic deposits to total assets | 86.8791% | 2,245 |
| Equity capital to assets | 12.8250% | 1,771 |
| Core capital (leverage) ratio | 12.9213% | 1,398 |
| Tier 1 risk-based capital ratio | 23.8094% | 1,020 |
| Total risk-based capital ratio | 24.3716% | 1,065 |
| Memoranda: | ||
| Average total assets | $57,829,750 | 6,474 |
| Average earning assets | $51,970,500 | 6,501 |
| Average equity | $7,429,000 | 6,175 |
| Average total loans | $26,814,500 | 6,865 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2834% | 5,734 |
| Cost of funding earning assets | 1.7965% | 4,778 |
| Net interest margin | 3.4869% | 4,857 |
| Noninterest income to average assets | 0.5832% | 3,811 |
| Noninterest expense to average assets | 3.1542% | 3,487 |
| Loan and lease loss provision to assets | 0.0345% | 6,897 |
| Net operating income to assets | 0.5694% | 3,812 |
| Return on assets (ROA) | 0.5729% | 3,906 |
| Pretax return on assets | 0.5729% | 4,392 |
| Return on Equity (ROE) | 4.4570% | 4,317 |
| Retained earnings to average equity (ytd only) | 0.0268% | 5,191 |
| Net charge-offs to loans | -0.0295% | 7,776 |
| Credit loss provision to net charge-offs | -250.0000% | 6,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9302% | 2,481 |
| Assets per employee ($millions) | 2.3135% | 7,530 |
| Cash dividends to net income (ytd only)* | 99.3976% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6454% | 7,551 |
| Loan loss allowance to noncurrent loans | 210.1266% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 1.0011% | 4,967 |
| Noncurrent loans to loans | 0.3072% | 6,747 |
| Net loans and leases to total assets | 44.1811% | 7,314 |
| Net loans and leases to deposits | 50.8467% | 7,446 |
| Net loans and leases to core deposits | 74.6334% | 6,754 |
| Total domestic deposits to total assets | 86.8907% | 2,311 |
| Equity capital to assets | 12.8222% | 1,778 |
| Core capital (leverage) ratio | 12.9295% | 1,457 |
| Tier 1 risk-based capital ratio | 23.9342% | 1,042 |
| Total risk-based capital ratio | 24.4699% | 1,095 |
| Memoranda: | ||
| Average total assets | $57,953,670 | 6,512 |
| Average earning assets | $52,768,670 | 6,519 |
| Average equity | $7,449,000 | 6,201 |
| Average total loans | $27,128,000 | 6,912 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4216% | 5,310 |
| Cost of funding earning assets | 1.7996% | 5,115 |
| Net interest margin | 3.6219% | 4,231 |
| Noninterest income to average assets | 0.5861% | 3,652 |
| Noninterest expense to average assets | 2.8201% | 4,481 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0687% | 2,071 |
| Return on assets (ROA) | 1.0687% | 2,202 |
| Pretax return on assets | 1.0687% | 3,105 |
| Return on Equity (ROE) | 8.3049% | 3,009 |
| Retained earnings to average equity (ytd only) | 5.3580% | 2,931 |
| Net charge-offs to loans | -0.0575% | 7,739 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5177% | 4,101 |
| Assets per employee ($millions) | 2.4050% | 7,452 |
| Cash dividends to net income (ytd only)* | 35.4839% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5693% | 7,720 |
| Loan loss allowance to noncurrent loans | 445.7143% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 5,881 |
| Noncurrent loans to loans | 0.1277% | 7,153 |
| Net loans and leases to total assets | 47.2028% | 7,085 |
| Net loans and leases to deposits | 54.4280% | 7,260 |
| Net loans and leases to core deposits | 78.5475% | 6,497 |
| Total domestic deposits to total assets | 86.7253% | 2,350 |
| Equity capital to assets | 13.0217% | 1,733 |
| Core capital (leverage) ratio | 13.1037% | 1,450 |
| Tier 1 risk-based capital ratio | 25.3927% | 939 |
| Total risk-based capital ratio | 25.9198% | 993 |
| Memoranda: | ||
| Average total assets | $58,012,000 | 6,546 |
| Average earning assets | $52,900,000 | 6,546 |
| Average equity | $7,465,500 | 6,236 |
| Average total loans | $27,832,500 | 6,895 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7709% | 6,532 |
| Cost of funding earning assets | 2.5133% | 4,136 |
| Net interest margin | 3.2576% | 6,192 |
| Noninterest income to average assets | 0.7274% | 2,925 |
| Noninterest expense to average assets | 2.9707% | 4,183 |
| Loan and lease loss provision to assets | 0.0611% | 6,641 |
| Net operating income to assets | 0.7571% | 3,628 |
| Return on assets (ROA) | 0.7588% | 3,465 |
| Pretax return on assets | 0.7588% | 4,214 |
| Return on Equity (ROE) | 5.8090% | 4,025 |
| Retained earnings to average equity (ytd only) | -4.5804% | 6,431 |
| Net charge-offs to loans | 0.1700% | 4,502 |
| Credit loss provision to net charge-offs | 72.9167% | 6,030 |
| Earnings coverage of net charge-offs (x) | 9.7708% | 2,638 |
| Efficiency ratio | 78.4070% | 2,850 |
| Assets per employee ($millions) | 2.4294% | 7,349 |
| Cash dividends to net income (ytd only)* | 178.8506% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5378% | 7,785 |
| Loan loss allowance to noncurrent loans | 262.0690% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5677% | 5,483 |
| Noncurrent loans to loans | 0.2052% | 6,771 |
| Net loans and leases to total assets | 48.2154% | 7,171 |
| Net loans and leases to deposits | 55.3866% | 7,360 |
| Net loans and leases to core deposits | 78.8091% | 6,703 |
| Total domestic deposits to total assets | 87.0526% | 1,911 |
| Equity capital to assets | 12.7176% | 1,912 |
| Core capital (leverage) ratio | 12.9109% | 1,572 |
| Tier 1 risk-based capital ratio | 24.6076% | 1,024 |
| Total risk-based capital ratio | 25.1120% | 1,081 |
| Memoranda: | ||
| Average total assets | $57,327,200 | 6,478 |
| Average earning assets | $53,874,000 | 6,421 |
| Average equity | $7,488,400 | 6,281 |
| Average total loans | $28,239,600 | 6,825 |