Home > The Peoples Bank > Performance and Condition Ratios
The Peoples Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 3,826 |
| Cost of funding earning assets | 0.9601% | 4,026 |
| Net interest margin | 3.5895% | 2,108 |
| Noninterest income to average assets | 0.3800% | 2,354 |
| Noninterest expense to average assets | 3.7754% | 444 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.0070% | 4,156 |
| Return on assets (ROA) | 0.0070% | 4,187 |
| Pretax return on assets | 0.0070% | 4,179 |
| Return on Equity (ROE) | 0.0800% | 4,183 |
| Retained earnings to average equity (ytd only) | 0.0783% | 3,651 |
| Net charge-offs to loans | 0.2597% | 445 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0476% | 2,226 |
| Efficiency ratio | 99.8148% | 268 |
| Assets per employee ($millions) | 3.0388% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7510% | 3,965 |
| Loan loss allowance to noncurrent loans | 160.6667% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 2,242 |
| Noncurrent loans to loans | 0.4674% | 1,957 |
| Net loans and leases to total assets | 55.1600% | 3,271 |
| Net loans and leases to deposits | 60.9569% | 3,444 |
| Net loans and leases to core deposits | 63.9712% | 3,546 |
| Total domestic deposits to total assets | 90.4900% | 668 |
| Equity capital to assets | 9.0876% | 2,870 |
| Core capital (leverage) ratio | 11.0366% | 2,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4191% | 442 |
| Memoranda: | ||
| Average total assets | $57,106,000 | 4,153 |
| Average earning assets | $54,158,500 | 4,121 |
| Average equity | $5,109,000 | 4,232 |
| Average total loans | $32,347,000 | 4,057 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5395% | 3,829 |
| Cost of funding earning assets | 1.0192% | 4,017 |
| Net interest margin | 3.5203% | 2,036 |
| Noninterest income to average assets | 0.4600% | 2,109 |
| Noninterest expense to average assets | 3.4722% | 614 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 0.1735% | 4,010 |
| Return on assets (ROA) | 0.1545% | 4,067 |
| Pretax return on assets | 0.2145% | 4,024 |
| Return on Equity (ROE) | 1.8700% | 4,001 |
| Retained earnings to average equity (ytd only) | 1.1835% | 3,628 |
| Net charge-offs to loans | 0.1042% | 1,140 |
| Credit loss provision to net charge-offs | 161.7647% | 1,330 |
| Earnings coverage of net charge-offs (x) | 5.7059% | 2,561 |
| Efficiency ratio | 91.2494% | 462 |
| Assets per employee ($millions) | 3.3220% | 4,241 |
| Cash dividends to net income (ytd only)* | 36.6667% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8036% | 3,862 |
| Loan loss allowance to noncurrent loans | 125.9615% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 1,817 |
| Noncurrent loans to loans | 0.6380% | 1,525 |
| Net loans and leases to total assets | 57.2700% | 3,168 |
| Net loans and leases to deposits | 63.1932% | 3,381 |
| Net loans and leases to core deposits | 66.3487% | 3,507 |
| Total domestic deposits to total assets | 90.6200% | 631 |
| Equity capital to assets | 8.8023% | 2,971 |
| Core capital (leverage) ratio | 11.0019% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4672% | 437 |
| Memoranda: | ||
| Average total assets | $58,263,400 | 4,156 |
| Average earning assets | $55,336,400 | 4,122 |
| Average equity | $4,816,200 | 4,257 |
| Average total loans | $32,638,000 | 4,053 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 3,884 |
| Cost of funding earning assets | 1.0218% | 4,026 |
| Net interest margin | 3.4458% | 2,142 |
| Noninterest income to average assets | 0.4600% | 2,078 |
| Noninterest expense to average assets | 3.5064% | 572 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 0.0819% | 4,135 |
| Return on assets (ROA) | 0.0568% | 4,198 |
| Pretax return on assets | 0.0977% | 4,148 |
| Return on Equity (ROE) | 0.7000% | 4,168 |
| Retained earnings to average equity (ytd only) | 0.6977% | 3,805 |
| Net charge-offs to loans | 0.1389% | 789 |
| Credit loss provision to net charge-offs | 117.6471% | 1,512 |
| Earnings coverage of net charge-offs (x) | 2.8529% | 2,565 |
| Efficiency ratio | 94.0890% | 397 |
| Assets per employee ($millions) | 3.0405% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7528% | 4,009 |
| Loan loss allowance to noncurrent loans | 127.3196% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 1,871 |
| Noncurrent loans to loans | 0.5913% | 1,611 |
| Net loans and leases to total assets | 56.3700% | 3,233 |
| Net loans and leases to deposits | 66.4449% | 3,220 |
| Net loans and leases to core deposits | 69.5129% | 3,416 |
| Total domestic deposits to total assets | 84.8400% | 2,352 |
| Equity capital to assets | 9.0706% | 2,984 |
| Core capital (leverage) ratio | 10.8405% | 2,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0050% | 473 |
| Memoranda: | ||
| Average total assets | $58,710,750 | 4,169 |
| Average earning assets | $55,719,250 | 4,143 |
| Average equity | $4,777,500 | 4,283 |
| Average total loans | $32,646,750 | 4,069 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4057% | 3,909 |
| Cost of funding earning assets | 1.0106% | 4,005 |
| Net interest margin | 3.3951% | 2,190 |
| Noninterest income to average assets | 0.3900% | 2,441 |
| Noninterest expense to average assets | 3.5409% | 536 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | -0.0678% | 4,290 |
| Return on assets (ROA) | -0.1152% | 4,337 |
| Pretax return on assets | -0.1050% | 4,314 |
| Return on Equity (ROE) | -1.4700% | 4,334 |
| Retained earnings to average equity (ytd only) | -1.4708% | 4,109 |
| Net charge-offs to loans | 0.3436% | 333 |
| Credit loss provision to net charge-offs | 53.5714% | 1,797 |
| Earnings coverage of net charge-offs (x) | 0.2321% | 2,529 |
| Efficiency ratio | 98.7713% | 316 |
| Assets per employee ($millions) | 3.4973% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6696% | 4,151 |
| Loan loss allowance to noncurrent loans | 148.2759% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 2,207 |
| Noncurrent loans to loans | 0.4516% | 1,868 |
| Net loans and leases to total assets | 53.6400% | 3,430 |
| Net loans and leases to deposits | 58.5368% | 3,644 |
| Net loans and leases to core deposits | 63.1975% | 3,647 |
| Total domestic deposits to total assets | 91.6400% | 331 |
| Equity capital to assets | 7.8279% | 3,543 |
| Core capital (leverage) ratio | 10.7310% | 2,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4238% | 510 |
| Memoranda: | ||
| Average total assets | $59,024,667 | 4,181 |
| Average earning assets | $55,609,333 | 4,158 |
| Average equity | $4,623,333 | 4,305 |
| Average total loans | $32,592,000 | 4,085 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3272% | 3,926 |
| Cost of funding earning assets | 0.9720% | 4,013 |
| Net interest margin | 3.3552% | 2,220 |
| Noninterest income to average assets | 0.3900% | 2,363 |
| Noninterest expense to average assets | 3.6116% | 494 |
| Loan and lease loss provision to assets | 0.1000% | 1,031 |
| Net operating income to assets | -0.1564% | 4,365 |
| Return on assets (ROA) | -0.2517% | 4,390 |
| Pretax return on assets | -0.2517% | 4,365 |
| Return on Equity (ROE) | -3.2100% | 4,380 |
| Retained earnings to average equity (ytd only) | -3.2118% | 4,020 |
| Net charge-offs to loans | 0.2924% | 315 |
| Credit loss provision to net charge-offs | 62.5000% | 1,351 |
| Earnings coverage of net charge-offs (x) | -0.3333% | 4,502 |
| Efficiency ratio | 101.5296% | 271 |
| Assets per employee ($millions) | 2.8097% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7274% | 4,066 |
| Loan loss allowance to noncurrent loans | 108.9202% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 1,673 |
| Noncurrent loans to loans | 0.6678% | 1,322 |
| Net loans and leases to total assets | 53.6600% | 3,370 |
| Net loans and leases to deposits | 58.3857% | 3,603 |
| Net loans and leases to core deposits | 63.0165% | 3,647 |
| Total domestic deposits to total assets | 91.9100% | 348 |
| Equity capital to assets | 7.7149% | 3,551 |
| Core capital (leverage) ratio | 10.7477% | 2,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5593% | 514 |
| Memoranda: | ||
| Average total assets | $58,810,000 | 4,207 |
| Average earning assets | $55,556,000 | 4,179 |
| Average equity | $4,608,000 | 4,326 |
| Average total loans | $32,834,500 | 4,104 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1130% | 3,775 |
| Cost of funding earning assets | 0.6574% | 3,986 |
| Net interest margin | 3.4555% | 2,290 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 3.3356% | 709 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2432% | 4,110 |
| Return on assets (ROA) | 0.1932% | 4,189 |
| Pretax return on assets | 0.2748% | 4,114 |
| Return on Equity (ROE) | 2.6700% | 4,078 |
| Retained earnings to average equity (ytd only) | 1.6829% | 3,657 |
| Net charge-offs to loans | 0.0685% | 1,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 8.9130% | 2,322 |
| Efficiency ratio | 90.7156% | 390 |
| Assets per employee ($millions) | 3.0851% | 4,369 |
| Cash dividends to net income (ytd only)* | 37.0690% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7135% | 4,103 |
| Loan loss allowance to noncurrent loans | 92.6923% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 1,253 |
| Noncurrent loans to loans | 0.7698% | 1,012 |
| Net loans and leases to total assets | 57.2100% | 3,107 |
| Net loans and leases to deposits | 62.6020% | 3,377 |
| Net loans and leases to core deposits | 67.5871% | 3,425 |
| Total domestic deposits to total assets | 91.3800% | 414 |
| Equity capital to assets | 7.9567% | 3,451 |
| Core capital (leverage) ratio | 10.8445% | 2,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9537% | 544 |
| Memoranda: | ||
| Average total assets | $60,049,800 | 4,213 |
| Average earning assets | $56,431,200 | 4,181 |
| Average equity | $4,337,800 | 4,323 |
| Average total loans | $33,597,000 | 4,089 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0417% | 3,775 |
| Cost of funding earning assets | 0.5797% | 4,006 |
| Net interest margin | 3.4619% | 2,308 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 3.3174% | 707 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2472% | 4,180 |
| Return on assets (ROA) | 0.1810% | 4,268 |
| Pretax return on assets | 0.2737% | 4,189 |
| Return on Equity (ROE) | 2.5700% | 4,142 |
| Retained earnings to average equity (ytd only) | 2.5687% | 3,618 |
| Net charge-offs to loans | 0.0914% | 836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 7.1304% | 2,248 |
| Efficiency ratio | 90.1620% | 371 |
| Assets per employee ($millions) | 3.3123% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7101% | 4,121 |
| Loan loss allowance to noncurrent loans | 80.8725% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 1,158 |
| Noncurrent loans to loans | 0.8780% | 942 |
| Net loans and leases to total assets | 56.5200% | 3,153 |
| Net loans and leases to deposits | 61.5084% | 3,431 |
| Net loans and leases to core deposits | 66.2460% | 3,414 |
| Total domestic deposits to total assets | 91.8900% | 472 |
| Equity capital to assets | 6.8902% | 3,667 |
| Core capital (leverage) ratio | 10.6252% | 2,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5616% | 587 |
| Memoranda: | ||
| Average total assets | $60,408,000 | 4,226 |
| Average earning assets | $56,575,750 | 4,200 |
| Average equity | $4,256,250 | 4,341 |
| Average total loans | $33,554,000 | 4,107 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9434% | 3,801 |
| Cost of funding earning assets | 0.4425% | 4,094 |
| Net interest margin | 3.5010% | 2,263 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 3.3163% | 677 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.2539% | 4,223 |
| Return on assets (ROA) | 0.1549% | 4,357 |
| Pretax return on assets | 0.2736% | 4,253 |
| Return on Equity (ROE) | 2.1800% | 4,247 |
| Retained earnings to average equity (ytd only) | 2.1832% | 3,676 |
| Net charge-offs to loans | 0.0299% | 1,289 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 24.6000% | 1,646 |
| Efficiency ratio | 89.1054% | 381 |
| Assets per employee ($millions) | 3.1890% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7440% | 4,114 |
| Loan loss allowance to noncurrent loans | 87.2054% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.4902% | 1,109 |
| Noncurrent loans to loans | 0.8532% | 894 |
| Net loans and leases to total assets | 57.0300% | 3,038 |
| Net loans and leases to deposits | 61.9574% | 3,309 |
| Net loans and leases to core deposits | 66.1859% | 3,340 |
| Total domestic deposits to total assets | 92.0400% | 404 |
| Equity capital to assets | 7.0489% | 3,768 |
| Core capital (leverage) ratio | 10.4851% | 2,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0721% | 631 |
| Memoranda: | ||
| Average total assets | $60,670,333 | 4,244 |
| Average earning assets | $56,955,333 | 4,219 |
| Average equity | $4,305,667 | 4,361 |
| Average total loans | $33,425,667 | 4,120 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 3,839 |
| Cost of funding earning assets | 0.3362% | 4,117 |
| Net interest margin | 3.4739% | 2,442 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 3.3734% | 628 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0792% | 4,441 |
| Return on assets (ROA) | -0.1186% | 4,521 |
| Pretax return on assets | 0.0791% | 4,417 |
| Return on Equity (ROE) | -1.6700% | 4,503 |
| Retained earnings to average equity (ytd only) | -1.6655% | 4,193 |
| Net charge-offs to loans | 0.0122% | 1,495 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 1,100 |
| Efficiency ratio | 91.1032% | 326 |
| Assets per employee ($millions) | 3.1838% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 4,095 |
| Loan loss allowance to noncurrent loans | 97.0480% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4480% | 1,141 |
| Noncurrent loans to loans | 0.8206% | 933 |
| Net loans and leases to total assets | 54.1600% | 3,190 |
| Net loans and leases to deposits | 58.6765% | 3,413 |
| Net loans and leases to core deposits | 62.3599% | 3,426 |
| Total domestic deposits to total assets | 92.3000% | 447 |
| Equity capital to assets | 7.4043% | 3,617 |
| Core capital (leverage) ratio | 10.3744% | 2,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5553% | 604 |
| Memoranda: | ||
| Average total assets | $60,710,000 | 4,301 |
| Average earning assets | $57,112,000 | 4,272 |
| Average equity | $4,323,000 | 4,417 |
| Average total loans | $32,732,500 | 4,187 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3821% | 3,388 |
| Cost of funding earning assets | 0.1577% | 4,076 |
| Net interest margin | 3.2244% | 2,793 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 3.2014% | 724 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 0.1299% | 4,491 |
| Return on assets (ROA) | 0.1299% | 4,480 |
| Pretax return on assets | 0.0892% | 4,507 |
| Return on Equity (ROE) | 1.7500% | 4,407 |
| Retained earnings to average equity (ytd only) | 0.9889% | 4,203 |
| Net charge-offs to loans | -0.0300% | 4,193 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 99.6589% | 152 |
| Assets per employee ($millions) | 3.2067% | 4,498 |
| Cash dividends to net income (ytd only)* | 43.3735% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 4,002 |
| Loan loss allowance to noncurrent loans | 93.2862% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.4645% | 1,095 |
| Noncurrent loans to loans | 0.8724% | 852 |
| Net loans and leases to total assets | 52.8100% | 3,297 |
| Net loans and leases to deposits | 58.7453% | 3,411 |
| Net loans and leases to core deposits | 62.0153% | 3,390 |
| Total domestic deposits to total assets | 89.9000% | 1,408 |
| Equity capital to assets | 6.8392% | 3,750 |
| Core capital (leverage) ratio | 10.2238% | 2,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6467% | 572 |
| Memoranda: | ||
| Average total assets | $63,878,000 | 4,296 |
| Average earning assets | $59,608,000 | 4,271 |
| Average equity | $4,752,800 | 4,454 |
| Average total loans | $33,336,400 | 4,182 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3256% | 3,116 |
| Cost of funding earning assets | 0.1461% | 3,884 |
| Net interest margin | 3.1794% | 2,685 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 3.2210% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.0763% | 4,619 |
| Return on assets (ROA) | -0.0763% | 4,596 |
| Pretax return on assets | -0.1197% | 4,602 |
| Return on Equity (ROE) | -1.0100% | 4,590 |
| Retained earnings to average equity (ytd only) | -1.0069% | 4,420 |
| Net charge-offs to loans | -0.0397% | 4,242 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 103.8589% | 128 |
| Assets per employee ($millions) | 3.1396% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 3,698 |
| Loan loss allowance to noncurrent loans | 112.5448% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4443% | 1,216 |
| Noncurrent loans to loans | 0.8417% | 931 |
| Net loans and leases to total assets | 52.2900% | 3,253 |
| Net loans and leases to deposits | 56.1018% | 3,469 |
| Net loans and leases to core deposits | 59.0055% | 3,450 |
| Total domestic deposits to total assets | 93.2000% | 525 |
| Equity capital to assets | 6.5200% | 3,729 |
| Core capital (leverage) ratio | 9.7320% | 2,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6752% | 667 |
| Memoranda: | ||
| Average total assets | $64,615,500 | 4,319 |
| Average earning assets | $60,218,750 | 4,295 |
| Average equity | $4,899,250 | 4,485 |
| Average total loans | $33,560,500 | 4,202 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2439% | 2,912 |
| Cost of funding earning assets | 0.1420% | 3,683 |
| Net interest margin | 3.1019% | 2,533 |
| Noninterest income to average assets | 0.0092% | 4,721 |
| Noninterest expense to average assets | 3.2044% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.3864% | 4,667 |
| Return on assets (ROA) | -0.3864% | 4,644 |
| Pretax return on assets | -0.3158% | 4,624 |
| Return on Equity (ROE) | -4.8765% | 4,671 |
| Retained earnings to average equity (ytd only) | -4.8765% | 4,533 |
| Net charge-offs to loans | -0.0594% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.9342% | 109 |
| Assets per employee ($millions) | 3.2024% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 3,811 |
| Loan loss allowance to noncurrent loans | 165.2632% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 1,818 |
| Noncurrent loans to loans | 0.5724% | 1,475 |
| Net loans and leases to total assets | 51.3342% | 3,232 |
| Net loans and leases to deposits | 55.2460% | 3,444 |
| Net loans and leases to core deposits | 58.0463% | 3,418 |
| Total domestic deposits to total assets | 92.9193% | 534 |
| Equity capital to assets | 6.8434% | 3,846 |
| Core capital (leverage) ratio | 9.2038% | 3,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4484% | 664 |
| Memoranda: | ||
| Average total assets | $65,223,667 | 4,350 |
| Average earning assets | $60,544,333 | 4,347 |
| Average equity | $5,167,667 | 4,507 |
| Average total loans | $33,698,333 | 4,251 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2091% | 2,659 |
| Cost of funding earning assets | 0.1387% | 3,649 |
| Net interest margin | 3.0704% | 2,264 |
| Noninterest income to average assets | 0.4741% | 2,283 |
| Noninterest expense to average assets | 4.0783% | 265 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.8448% | 4,730 |
| Return on assets (ROA) | -0.8448% | 4,725 |
| Pretax return on assets | -0.7780% | 4,715 |
| Return on Equity (ROE) | -10.0000% | 4,744 |
| Retained earnings to average equity (ytd only) | -10.0000% | 4,563 |
| Net charge-offs to loans | -0.0471% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.5727% | 79 |
| Assets per employee ($millions) | 3.1430% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 3,922 |
| Loan loss allowance to noncurrent loans | 560.0000% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 3,246 |
| Noncurrent loans to loans | 0.1680% | 2,972 |
| Net loans and leases to total assets | 49.1402% | 3,261 |
| Net loans and leases to deposits | 53.3314% | 3,469 |
| Net loans and leases to core deposits | 55.9651% | 3,448 |
| Total domestic deposits to total assets | 92.1413% | 521 |
| Equity capital to assets | 7.5860% | 3,866 |
| Core capital (leverage) ratio | 9.0164% | 3,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6945% | 675 |
| Memoranda: | ||
| Average total assets | $65,812,000 | 4,363 |
| Average earning assets | $60,578,000 | 4,368 |
| Average equity | $5,560,000 | 4,513 |
| Average total loans | $33,951,500 | 4,263 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2898% | 3,242 |
| Cost of funding earning assets | 0.2537% | 2,881 |
| Net interest margin | 3.0361% | 3,089 |
| Noninterest income to average assets | 0.6431% | 1,976 |
| Noninterest expense to average assets | 3.1541% | 783 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2887% | 4,433 |
| Return on assets (ROA) | 0.2901% | 4,456 |
| Pretax return on assets | 0.3193% | 4,478 |
| Return on Equity (ROE) | 2.9943% | 4,362 |
| Retained earnings to average equity (ytd only) | 2.1863% | 3,926 |
| Net charge-offs to loans | 0.0400% | 1,458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 14.7857% | 2,020 |
| Efficiency ratio | 90.8488% | 302 |
| Assets per employee ($millions) | 2.9828% | 4,691 |
| Cash dividends to net income (ytd only)* | 26.9841% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8646% | 4,147 |
| Loan loss allowance to noncurrent loans | 533.3333% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 3,333 |
| Noncurrent loans to loans | 0.1621% | 3,130 |
| Net loans and leases to total assets | 53.1187% | 2,952 |
| Net loans and leases to deposits | 58.8264% | 3,183 |
| Net loans and leases to core deposits | 63.0588% | 3,064 |
| Total domestic deposits to total assets | 90.2973% | 813 |
| Equity capital to assets | 9.3156% | 3,302 |
| Core capital (leverage) ratio | 9.0877% | 3,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,152,600 | 4,392 |
| Average earning assets | $60,703,400 | 4,375 |
| Average equity | $6,312,000 | 4,498 |
| Average total loans | $35,040,600 | 4,284 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3136% | 3,350 |
| Cost of funding earning assets | 0.2868% | 2,730 |
| Net interest margin | 3.0268% | 3,242 |
| Noninterest income to average assets | 0.6991% | 1,821 |
| Noninterest expense to average assets | 3.1654% | 755 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3072% | 4,510 |
| Return on assets (ROA) | 0.3547% | 4,472 |
| Pretax return on assets | 0.3998% | 4,494 |
| Return on Equity (ROE) | 3.6257% | 4,362 |
| Retained earnings to average equity (ytd only) | 3.6257% | 3,704 |
| Net charge-offs to loans | 0.0876% | 817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 7.3478% | 2,139 |
| Efficiency ratio | 90.1343% | 317 |
| Assets per employee ($millions) | 3.0480% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8574% | 4,256 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 3,511 |
| Noncurrent loans to loans | 0.1715% | 3,260 |
| Net loans and leases to total assets | 50.8679% | 3,310 |
| Net loans and leases to deposits | 56.4632% | 3,539 |
| Net loans and leases to core deposits | 60.4326% | 3,443 |
| Total domestic deposits to total assets | 90.0904% | 737 |
| Equity capital to assets | 9.4652% | 3,410 |
| Core capital (leverage) ratio | 9.3586% | 3,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,035,500 | 4,449 |
| Average earning assets | $60,435,500 | 4,441 |
| Average equity | $6,361,750 | 4,559 |
| Average total loans | $35,010,500 | 4,342 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3635% | 3,282 |
| Cost of funding earning assets | 0.3294% | 2,492 |
| Net interest margin | 3.0341% | 3,228 |
| Noninterest income to average assets | 0.8235% | 1,469 |
| Noninterest expense to average assets | 3.1851% | 736 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4171% | 4,354 |
| Return on assets (ROA) | 0.4226% | 4,386 |
| Pretax return on assets | 0.4785% | 4,420 |
| Return on Equity (ROE) | 4.2723% | 4,284 |
| Retained earnings to average equity (ytd only) | 4.2723% | 3,434 |
| Net charge-offs to loans | 0.0682% | 947 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 12.6667% | 1,716 |
| Efficiency ratio | 87.0858% | 430 |
| Assets per employee ($millions) | 3.2327% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 4,219 |
| Loan loss allowance to noncurrent loans | 2,781.8182% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,170 |
| Noncurrent loans to loans | 0.0315% | 4,044 |
| Net loans and leases to total assets | 53.5466% | 3,186 |
| Net loans and leases to deposits | 60.0718% | 3,384 |
| Net loans and leases to core deposits | 64.5029% | 3,244 |
| Total domestic deposits to total assets | 89.1376% | 1,205 |
| Equity capital to assets | 9.8370% | 3,016 |
| Core capital (leverage) ratio | 9.3447% | 3,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,362,000 | 4,486 |
| Average earning assets | $60,116,000 | 4,470 |
| Average equity | $6,366,667 | 4,584 |
| Average total loans | $35,212,333 | 4,369 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4279% | 3,121 |
| Cost of funding earning assets | 0.3809% | 2,251 |
| Net interest margin | 3.0470% | 3,136 |
| Noninterest income to average assets | 0.9157% | 1,285 |
| Noninterest expense to average assets | 3.0958% | 843 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5731% | 4,011 |
| Return on assets (ROA) | 0.5731% | 4,063 |
| Pretax return on assets | 0.6603% | 4,096 |
| Return on Equity (ROE) | 5.7771% | 3,923 |
| Retained earnings to average equity (ytd only) | 5.7771% | 2,974 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4212% | 680 |
| Assets per employee ($millions) | 3.1980% | 4,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 4,138 |
| Loan loss allowance to noncurrent loans | 31,800.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,405 |
| Noncurrent loans to loans | 0.0028% | 4,320 |
| Net loans and leases to total assets | 54.4083% | 3,200 |
| Net loans and leases to deposits | 60.6191% | 3,438 |
| Net loans and leases to core deposits | 65.4190% | 3,288 |
| Total domestic deposits to total assets | 89.7544% | 928 |
| Equity capital to assets | 9.8344% | 2,860 |
| Core capital (leverage) ratio | 9.4725% | 3,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,216,000 | 4,504 |
| Average earning assets | $59,862,500 | 4,488 |
| Average equity | $6,370,000 | 4,599 |
| Average total loans | $35,355,500 | 4,390 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0265% | 2,651 |
| Cost of funding earning assets | 0.5797% | 2,449 |
| Net interest margin | 3.4468% | 2,634 |
| Noninterest income to average assets | 0.7283% | 1,753 |
| Noninterest expense to average assets | 3.4543% | 740 |
| Loan and lease loss provision to assets | 0.0196% | 4,144 |
| Net operating income to assets | 0.4116% | 4,223 |
| Return on assets (ROA) | 0.4481% | 4,225 |
| Pretax return on assets | 0.5230% | 4,229 |
| Return on Equity (ROE) | 4.4195% | 4,055 |
| Retained earnings to average equity (ytd only) | 3.0213% | 3,339 |
| Net charge-offs to loans | 0.0239% | 2,565 |
| Credit loss provision to net charge-offs | 133.3333% | 2,529 |
| Earnings coverage of net charge-offs (x) | 34.1111% | 1,498 |
| Efficiency ratio | 87.3506% | 474 |
| Assets per employee ($millions) | 2.9306% | 4,826 |
| Cash dividends to net income (ytd only)* | 31.6364% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8934% | 4,200 |
| Loan loss allowance to noncurrent loans | 15,900.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 4,456 |
| Noncurrent loans to loans | 0.0056% | 4,371 |
| Net loans and leases to total assets | 54.7144% | 3,419 |
| Net loans and leases to deposits | 61.2154% | 3,660 |
| Net loans and leases to core deposits | 66.0216% | 3,538 |
| Total domestic deposits to total assets | 89.3801% | 815 |
| Equity capital to assets | 10.0042% | 3,130 |
| Core capital (leverage) ratio | 9.3717% | 3,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,372,800 | 4,497 |
| Average earning assets | $57,444,200 | 4,475 |
| Average equity | $6,222,400 | 4,615 |
| Average total loans | $37,731,000 | 4,358 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1234% | 2,608 |
| Cost of funding earning assets | 0.6266% | 2,448 |
| Net interest margin | 3.4968% | 2,600 |
| Noninterest income to average assets | 0.5831% | 2,237 |
| Noninterest expense to average assets | 3.5204% | 688 |
| Loan and lease loss provision to assets | 0.0264% | 4,009 |
| Net operating income to assets | 0.2813% | 4,473 |
| Return on assets (ROA) | 0.3322% | 4,444 |
| Pretax return on assets | 0.3718% | 4,465 |
| Return on Equity (ROE) | 3.2654% | 4,339 |
| Retained earnings to average equity (ytd only) | 3.2654% | 3,411 |
| Net charge-offs to loans | 0.0314% | 2,205 |
| Credit loss provision to net charge-offs | 133.3333% | 2,427 |
| Earnings coverage of net charge-offs (x) | 17.2222% | 2,027 |
| Efficiency ratio | 91.1681% | 338 |
| Assets per employee ($millions) | 2.8527% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8574% | 4,206 |
| Loan loss allowance to noncurrent loans | 1,025.8065% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 4,191 |
| Noncurrent loans to loans | 0.0836% | 4,033 |
| Net loans and leases to total assets | 58.5940% | 3,366 |
| Net loans and leases to deposits | 65.7001% | 3,642 |
| Net loans and leases to core deposits | 71.0027% | 3,555 |
| Total domestic deposits to total assets | 89.1840% | 695 |
| Equity capital to assets | 10.2105% | 3,056 |
| Core capital (leverage) ratio | 9.6493% | 3,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6273% | 821 |
| Memoranda: | ||
| Average total assets | $60,597,750 | 4,524 |
| Average earning assets | $56,812,750 | 4,502 |
| Average equity | $6,165,500 | 4,650 |
| Average total loans | $38,265,250 | 4,370 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1675% | 2,856 |
| Cost of funding earning assets | 0.6958% | 2,411 |
| Net interest margin | 3.4718% | 2,876 |
| Noninterest income to average assets | 0.5044% | 2,541 |
| Noninterest expense to average assets | 3.6040% | 648 |
| Loan and lease loss provision to assets | 0.0401% | 3,777 |
| Net operating income to assets | 0.1086% | 4,677 |
| Return on assets (ROA) | 0.1937% | 4,624 |
| Pretax return on assets | 0.1971% | 4,635 |
| Return on Equity (ROE) | 1.9064% | 4,550 |
| Retained earnings to average equity (ytd only) | 1.9064% | 3,796 |
| Net charge-offs to loans | 0.0517% | 1,747 |
| Credit loss provision to net charge-offs | 120.0000% | 2,280 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,593 |
| Efficiency ratio | 95.9964% | 244 |
| Assets per employee ($millions) | 2.7851% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8395% | 4,220 |
| Loan loss allowance to noncurrent loans | 546.5517% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 4,055 |
| Noncurrent loans to loans | 0.1536% | 3,844 |
| Net loans and leases to total assets | 61.1068% | 3,202 |
| Net loans and leases to deposits | 68.3124% | 3,538 |
| Net loans and leases to core deposits | 73.9288% | 3,466 |
| Total domestic deposits to total assets | 89.4521% | 592 |
| Equity capital to assets | 10.1562% | 3,061 |
| Core capital (leverage) ratio | 9.6052% | 3,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4358% | 856 |
| Memoranda: | ||
| Average total assets | $59,877,333 | 4,545 |
| Average earning assets | $56,052,333 | 4,529 |
| Average equity | $6,084,667 | 4,677 |
| Average total loans | $38,656,667 | 4,372 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2662% | 3,015 |
| Cost of funding earning assets | 0.6774% | 3,025 |
| Net interest margin | 3.5888% | 2,700 |
| Noninterest income to average assets | 0.5069% | 2,518 |
| Noninterest expense to average assets | 3.7378% | 680 |
| Loan and lease loss provision to assets | 0.0541% | 3,091 |
| Net operating income to assets | 0.0744% | 4,683 |
| Return on assets (ROA) | 0.0744% | 4,676 |
| Pretax return on assets | 0.0811% | 4,675 |
| Return on Equity (ROE) | 0.7314% | 4,664 |
| Retained earnings to average equity (ytd only) | 0.7314% | 3,812 |
| Net charge-offs to loans | -0.0102% | 4,087 |
| Credit loss provision to net charge-offs | -800.0000% | 3,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5096% | 308 |
| Assets per employee ($millions) | 2.3671% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8336% | 4,324 |
| Loan loss allowance to noncurrent loans | 364.0449% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 3,897 |
| Noncurrent loans to loans | 0.2290% | 3,669 |
| Net loans and leases to total assets | 65.1334% | 2,921 |
| Net loans and leases to deposits | 74.5359% | 3,217 |
| Net loans and leases to core deposits | 81.0327% | 3,108 |
| Total domestic deposits to total assets | 87.3853% | 1,388 |
| Equity capital to assets | 10.3740% | 3,450 |
| Core capital (leverage) ratio | 9.7946% | 3,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4940% | 922 |
| Memoranda: | ||
| Average total assets | $59,179,500 | 4,568 |
| Average earning assets | $55,506,000 | 4,553 |
| Average equity | $6,015,500 | 4,722 |
| Average total loans | $39,105,500 | 4,394 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6894% | 2,357 |
| Cost of funding earning assets | 0.6206% | 3,555 |
| Net interest margin | 4.0688% | 1,628 |
| Noninterest income to average assets | 0.5602% | 2,421 |
| Noninterest expense to average assets | 3.6579% | 798 |
| Loan and lease loss provision to assets | 0.0889% | 2,244 |
| Net operating income to assets | 0.5205% | 4,362 |
| Return on assets (ROA) | 0.5264% | 4,393 |
| Pretax return on assets | 0.6331% | 4,365 |
| Return on Equity (ROE) | 5.1536% | 4,168 |
| Retained earnings to average equity (ytd only) | 3.6388% | 3,177 |
| Net charge-offs to loans | 0.0425% | 2,545 |
| Credit loss provision to net charge-offs | 294.1176% | 956 |
| Earnings coverage of net charge-offs (x) | 23.6471% | 1,808 |
| Efficiency ratio | 83.6519% | 679 |
| Assets per employee ($millions) | 2.3673% | 5,041 |
| Cash dividends to net income (ytd only)* | 29.3919% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8007% | 4,302 |
| Loan loss allowance to noncurrent loans | 362.0690% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.1470% | 3,902 |
| Noncurrent loans to loans | 0.2211% | 3,658 |
| Net loans and leases to total assets | 65.9457% | 2,960 |
| Net loans and leases to deposits | 76.5600% | 3,128 |
| Net loans and leases to core deposits | 83.3095% | 3,016 |
| Total domestic deposits to total assets | 86.1360% | 2,016 |
| Equity capital to assets | 9.9557% | 3,964 |
| Core capital (leverage) ratio | 9.8178% | 3,711 |
| Tier 1 risk-based capital ratio | 18.4292% | 1,654 |
| Total risk-based capital ratio | 19.4304% | 1,673 |
| Memoranda: | ||
| Average total assets | $56,233,800 | 4,646 |
| Average earning assets | $52,693,600 | 4,629 |
| Average equity | $5,743,600 | 4,792 |
| Average total loans | $40,022,000 | 4,399 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7556% | 2,258 |
| Cost of funding earning assets | 0.6105% | 3,644 |
| Net interest margin | 4.1451% | 1,513 |
| Noninterest income to average assets | 0.5406% | 2,508 |
| Noninterest expense to average assets | 3.7407% | 707 |
| Loan and lease loss provision to assets | 0.1081% | 1,796 |
| Net operating income to assets | 0.4844% | 4,559 |
| Return on assets (ROA) | 0.4925% | 4,583 |
| Pretax return on assets | 0.5838% | 4,570 |
| Return on Equity (ROE) | 4.7898% | 4,385 |
| Retained earnings to average equity (ytd only) | 4.7898% | 2,996 |
| Net charge-offs to loans | 0.0564% | 2,022 |
| Credit loss provision to net charge-offs | 264.7059% | 1,043 |
| Earnings coverage of net charge-offs (x) | 16.7031% | 2,132 |
| Efficiency ratio | 84.5736% | 576 |
| Assets per employee ($millions) | 2.2939% | 5,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7713% | 4,487 |
| Loan loss allowance to noncurrent loans | 5,166.6667% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 4,709 |
| Noncurrent loans to loans | 0.0149% | 4,609 |
| Net loans and leases to total assets | 69.5438% | 2,543 |
| Net loans and leases to deposits | 81.2095% | 2,777 |
| Net loans and leases to core deposits | 88.6227% | 2,673 |
| Total domestic deposits to total assets | 85.6351% | 2,148 |
| Equity capital to assets | 10.3055% | 3,724 |
| Core capital (leverage) ratio | 10.2681% | 3,343 |
| Tier 1 risk-based capital ratio | 17.9966% | 1,820 |
| Total risk-based capital ratio | 18.9595% | 1,856 |
| Memoranda: | ||
| Average total assets | $55,496,750 | 4,725 |
| Average earning assets | $51,979,250 | 4,710 |
| Average equity | $5,706,500 | 4,857 |
| Average total loans | $40,191,750 | 4,457 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7930% | 2,081 |
| Cost of funding earning assets | 0.5714% | 3,786 |
| Net interest margin | 4.2215% | 1,310 |
| Noninterest income to average assets | 0.5612% | 2,337 |
| Noninterest expense to average assets | 3.7354% | 718 |
| Loan and lease loss provision to assets | 0.1093% | 1,709 |
| Net operating income to assets | 0.5702% | 4,383 |
| Return on assets (ROA) | 0.5794% | 4,399 |
| Pretax return on assets | 0.6851% | 4,363 |
| Return on Equity (ROE) | 5.6396% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.6396% | 2,457 |
| Net charge-offs to loans | 0.0149% | 2,603 |
| Credit loss provision to net charge-offs | 1,000.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 71.6667% | 878 |
| Efficiency ratio | 82.6613% | 757 |
| Assets per employee ($millions) | 2.2484% | 5,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7688% | 4,550 |
| Loan loss allowance to noncurrent loans | 3,090.0000% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 4,700 |
| Noncurrent loans to loans | 0.0249% | 4,599 |
| Net loans and leases to total assets | 70.9566% | 2,394 |
| Net loans and leases to deposits | 82.7555% | 2,646 |
| Net loans and leases to core deposits | 90.0662% | 2,593 |
| Total domestic deposits to total assets | 85.7425% | 2,164 |
| Equity capital to assets | 10.3364% | 3,659 |
| Core capital (leverage) ratio | 10.3335% | 3,257 |
| Tier 1 risk-based capital ratio | 17.9979% | 1,810 |
| Total risk-based capital ratio | 18.9655% | 1,832 |
| Memoranda: | ||
| Average total assets | $54,879,670 | 4,775 |
| Average earning assets | $51,450,330 | 4,754 |
| Average equity | $5,638,670 | 4,896 |
| Average total loans | $40,191,670 | 4,491 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7952% | 1,917 |
| Cost of funding earning assets | 0.5354% | 3,896 |
| Net interest margin | 4.2598% | 1,170 |
| Noninterest income to average assets | 0.5312% | 2,379 |
| Noninterest expense to average assets | 3.7554% | 693 |
| Loan and lease loss provision to assets | 0.1107% | 1,604 |
| Net operating income to assets | 0.5607% | 4,357 |
| Return on assets (ROA) | 0.5607% | 4,388 |
| Pretax return on assets | 0.6566% | 4,405 |
| Return on Equity (ROE) | 5.4745% | 4,196 |
| Retained earnings to average equity (ytd only) | 5.4745% | 2,706 |
| Net charge-offs to loans | 0.0199% | 2,056 |
| Credit loss provision to net charge-offs | 750.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 1,001 |
| Efficiency ratio | 83.0343% | 786 |
| Assets per employee ($millions) | 2.1738% | 5,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7276% | 4,721 |
| Loan loss allowance to noncurrent loans | 641.3043% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 4,384 |
| Noncurrent loans to loans | 0.1135% | 4,231 |
| Net loans and leases to total assets | 74.0606% | 1,788 |
| Net loans and leases to deposits | 86.5831% | 2,059 |
| Net loans and leases to core deposits | 94.4967% | 2,082 |
| Total domestic deposits to total assets | 85.5371% | 2,467 |
| Equity capital to assets | 10.3559% | 3,467 |
| Core capital (leverage) ratio | 10.4645% | 3,087 |
| Tier 1 risk-based capital ratio | 17.4591% | 1,951 |
| Total risk-based capital ratio | 18.3681% | 2,018 |
| Memoranda: | ||
| Average total assets | $54,215,000 | 4,837 |
| Average earning assets | $50,800,500 | 4,812 |
| Average equity | $5,553,000 | 4,952 |
| Average total loans | $40,191,000 | 4,534 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4694% | 2,551 |
| Cost of funding earning assets | 0.4594% | 3,614 |
| Net interest margin | 4.0100% | 1,953 |
| Noninterest income to average assets | 0.5373% | 2,625 |
| Noninterest expense to average assets | 3.6216% | 844 |
| Loan and lease loss provision to assets | 0.1321% | 1,658 |
| Net operating income to assets | 0.3998% | 4,867 |
| Return on assets (ROA) | 0.3998% | 4,860 |
| Pretax return on assets | 0.5230% | 4,768 |
| Return on Equity (ROE) | 4.1391% | 4,678 |
| Retained earnings to average equity (ytd only) | 2.5130% | 4,139 |
| Net charge-offs to loans | 0.2026% | 945 |
| Credit loss provision to net charge-offs | 93.6709% | 2,671 |
| Earnings coverage of net charge-offs (x) | 4.6456% | 3,271 |
| Efficiency ratio | 84.6828% | 600 |
| Assets per employee ($millions) | 2.2535% | 5,273 |
| Cash dividends to net income (ytd only)* | 39.2857% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7079% | 4,791 |
| Loan loss allowance to noncurrent loans | 600.0000% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 4,384 |
| Noncurrent loans to loans | 0.1180% | 4,198 |
| Net loans and leases to total assets | 73.1381% | 2,071 |
| Net loans and leases to deposits | 85.3493% | 2,366 |
| Net loans and leases to core deposits | 93.5772% | 2,267 |
| Total domestic deposits to total assets | 85.6926% | 2,365 |
| Equity capital to assets | 10.1287% | 3,545 |
| Core capital (leverage) ratio | 10.0244% | 3,548 |
| Tier 1 risk-based capital ratio | 17.3921% | 1,924 |
| Total risk-based capital ratio | 18.2695% | 2,005 |
| Memoranda: | ||
| Average total assets | $56,024,800 | 4,831 |
| Average earning assets | $52,243,800 | 4,812 |
| Average equity | $5,411,800 | 4,984 |
| Average total loans | $38,990,200 | 4,585 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3933% | 2,646 |
| Cost of funding earning assets | 0.4467% | 3,542 |
| Net interest margin | 3.9466% | 2,137 |
| Noninterest income to average assets | 0.5309% | 2,671 |
| Noninterest expense to average assets | 3.6052% | 851 |
| Loan and lease loss provision to assets | 0.0661% | 2,655 |
| Net operating income to assets | 0.3964% | 4,963 |
| Return on assets (ROA) | 0.3964% | 4,963 |
| Pretax return on assets | 0.5285% | 4,860 |
| Return on Equity (ROE) | 4.1516% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.1516% | 3,699 |
| Net charge-offs to loans | 0.1650% | 1,002 |
| Credit loss provision to net charge-offs | 58.3333% | 2,764 |
| Earnings coverage of net charge-offs (x) | 5.2498% | 2,971 |
| Efficiency ratio | 85.8427% | 528 |
| Assets per employee ($millions) | 2.5398% | 5,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6726% | 4,929 |
| Loan loss allowance to noncurrent loans | 290.2174% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 4,139 |
| Noncurrent loans to loans | 0.2317% | 3,877 |
| Net loans and leases to total assets | 70.5718% | 2,558 |
| Net loans and leases to deposits | 83.6044% | 2,644 |
| Net loans and leases to core deposits | 91.4789% | 2,528 |
| Total domestic deposits to total assets | 84.4116% | 2,807 |
| Equity capital to assets | 9.7450% | 3,877 |
| Core capital (leverage) ratio | 9.4251% | 4,255 |
| Tier 1 risk-based capital ratio | 16.0719% | 2,418 |
| Total risk-based capital ratio | 16.8863% | 2,526 |
| Memoranda: | ||
| Average total assets | $56,510,000 | 4,877 |
| Average earning assets | $52,532,750 | 4,862 |
| Average equity | $5,395,250 | 5,042 |
| Average total loans | $38,778,250 | 4,636 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3228% | 2,693 |
| Cost of funding earning assets | 0.4365% | 3,450 |
| Net interest margin | 3.8863% | 2,257 |
| Noninterest income to average assets | 0.4901% | 2,914 |
| Noninterest expense to average assets | 3.6388% | 834 |
| Loan and lease loss provision to assets | 0.0423% | 3,052 |
| Net operating income to assets | 0.2927% | 5,125 |
| Return on assets (ROA) | 0.2927% | 5,117 |
| Pretax return on assets | 0.4196% | 5,024 |
| Return on Equity (ROE) | 3.0863% | 5,014 |
| Retained earnings to average equity (ytd only) | 1.7105% | 4,563 |
| Net charge-offs to loans | 0.1872% | 836 |
| Credit loss provision to net charge-offs | 33.3333% | 2,610 |
| Earnings coverage of net charge-offs (x) | 3.6389% | 2,859 |
| Efficiency ratio | 88.7360% | 420 |
| Assets per employee ($millions) | 2.6702% | 5,279 |
| Cash dividends to net income (ytd only)* | 44.5783% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6865% | 4,967 |
| Loan loss allowance to noncurrent loans | 276.8421% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 4,141 |
| Noncurrent loans to loans | 0.2480% | 3,812 |
| Net loans and leases to total assets | 67.8550% | 2,892 |
| Net loans and leases to deposits | 80.0021% | 2,950 |
| Net loans and leases to core deposits | 87.4388% | 2,777 |
| Total domestic deposits to total assets | 84.8165% | 2,744 |
| Equity capital to assets | 9.6052% | 4,000 |
| Core capital (leverage) ratio | 9.7997% | 3,789 |
| Tier 1 risk-based capital ratio | 17.9081% | 1,822 |
| Total risk-based capital ratio | 18.7587% | 1,891 |
| Memoranda: | ||
| Average total assets | $56,721,670 | 4,927 |
| Average earning assets | $52,697,330 | 4,915 |
| Average equity | $5,378,670 | 5,096 |
| Average total loans | $38,471,330 | 4,687 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2154% | 2,837 |
| Cost of funding earning assets | 0.4298% | 3,371 |
| Net interest margin | 3.7856% | 2,479 |
| Noninterest income to average assets | 0.4067% | 3,413 |
| Noninterest expense to average assets | 3.6462% | 824 |
| Loan and lease loss provision to assets | 0.0421% | 2,916 |
| Net operating income to assets | 0.2244% | 5,216 |
| Return on assets (ROA) | 0.2244% | 5,217 |
| Pretax return on assets | 0.2384% | 5,229 |
| Return on Equity (ROE) | 2.3814% | 5,125 |
| Retained earnings to average equity (ytd only) | -0.3721% | 4,846 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8571% | 340 |
| Assets per employee ($millions) | 2.4954% | 5,398 |
| Cash dividends to net income (ytd only)* | 115.6250% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7509% | 4,917 |
| Loan loss allowance to noncurrent loans | 332.9545% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 4,316 |
| Noncurrent loans to loans | 0.2255% | 3,971 |
| Net loans and leases to total assets | 67.4780% | 2,826 |
| Net loans and leases to deposits | 79.1664% | 2,900 |
| Net loans and leases to core deposits | 86.2811% | 2,778 |
| Total domestic deposits to total assets | 85.2356% | 2,842 |
| Equity capital to assets | 9.2918% | 4,273 |
| Core capital (leverage) ratio | 9.6977% | 3,848 |
| Tier 1 risk-based capital ratio | 23.4622% | 897 |
| Total risk-based capital ratio | 24.7155% | 874 |
| Memoranda: | ||
| Average total assets | $57,045,500 | 4,977 |
| Average earning assets | $53,043,500 | 4,974 |
| Average equity | $5,375,000 | 5,152 |
| Average total loans | $38,551,000 | 4,738 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1981% | 2,689 |
| Cost of funding earning assets | 0.4249% | 3,001 |
| Net interest margin | 3.7733% | 2,528 |
| Noninterest income to average assets | 0.4882% | 3,072 |
| Noninterest expense to average assets | 3.4311% | 1,153 |
| Loan and lease loss provision to assets | 0.0417% | 3,425 |
| Net operating income to assets | 0.4031% | 4,680 |
| Return on assets (ROA) | 0.4031% | 4,702 |
| Pretax return on assets | 0.5177% | 4,903 |
| Return on Equity (ROE) | 4.3049% | 4,406 |
| Retained earnings to average equity (ytd only) | 3.3586% | 3,282 |
| Net charge-offs to loans | 0.0517% | 2,765 |
| Credit loss provision to net charge-offs | 120.0000% | 2,178 |
| Earnings coverage of net charge-offs (x) | 16.1000% | 2,203 |
| Efficiency ratio | 85.9817% | 645 |
| Assets per employee ($millions) | 2.4650% | 5,470 |
| Cash dividends to net income (ytd only)* | 21.9828% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7537% | 4,945 |
| Loan loss allowance to noncurrent loans | 372.7273% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 4,459 |
| Noncurrent loans to loans | 0.2022% | 4,103 |
| Net loans and leases to total assets | 66.6590% | 3,011 |
| Net loans and leases to deposits | 78.6518% | 3,045 |
| Net loans and leases to core deposits | 86.3406% | 2,887 |
| Total domestic deposits to total assets | 84.7520% | 2,924 |
| Equity capital to assets | 9.5545% | 4,186 |
| Core capital (leverage) ratio | 9.5611% | 3,962 |
| Tier 1 risk-based capital ratio | 17.9511% | 1,815 |
| Total risk-based capital ratio | 18.8896% | 1,855 |
| Memoranda: | ||
| Average total assets | $57,561,000 | 5,015 |
| Average earning assets | $53,428,600 | 5,009 |
| Average equity | $5,389,200 | 5,206 |
| Average total loans | $38,658,400 | 4,773 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0535% | 3,164 |
| Cost of funding earning assets | 0.4163% | 3,027 |
| Net interest margin | 3.6371% | 3,008 |
| Noninterest income to average assets | 0.6184% | 2,371 |
| Noninterest expense to average assets | 3.3669% | 1,209 |
| Loan and lease loss provision to assets | 0.0415% | 3,277 |
| Net operating income to assets | 0.4246% | 4,944 |
| Return on assets (ROA) | 0.4246% | 4,974 |
| Pretax return on assets | 0.5769% | 4,885 |
| Return on Equity (ROE) | 4.5581% | 4,689 |
| Retained earnings to average equity (ytd only) | 4.5581% | 3,182 |
| Net charge-offs to loans | 0.0481% | 2,474 |
| Credit loss provision to net charge-offs | 128.5714% | 1,908 |
| Earnings coverage of net charge-offs (x) | 19.1387% | 2,015 |
| Efficiency ratio | 84.4818% | 721 |
| Assets per employee ($millions) | 2.3778% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7466% | 5,029 |
| Loan loss allowance to noncurrent loans | 5,740.0000% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 5,224 |
| Noncurrent loans to loans | 0.0130% | 5,087 |
| Net loans and leases to total assets | 66.8547% | 2,996 |
| Net loans and leases to deposits | 78.9782% | 3,071 |
| Net loans and leases to core deposits | 86.6284% | 2,908 |
| Total domestic deposits to total assets | 84.6496% | 2,861 |
| Equity capital to assets | 9.6588% | 4,284 |
| Core capital (leverage) ratio | 9.6376% | 3,998 |
| Tier 1 risk-based capital ratio | 17.6423% | 1,963 |
| Total risk-based capital ratio | 18.5640% | 2,015 |
| Memoranda: | ||
| Average total assets | $57,777,250 | 5,065 |
| Average earning assets | $53,484,000 | 5,061 |
| Average equity | $5,382,250 | 5,262 |
| Average total loans | $38,803,000 | 4,813 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 3,267 |
| Cost of funding earning assets | 0.3971% | 3,103 |
| Net interest margin | 3.5855% | 3,090 |
| Noninterest income to average assets | 0.6171% | 2,382 |
| Noninterest expense to average assets | 3.3750% | 1,215 |
| Loan and lease loss provision to assets | 0.0414% | 3,178 |
| Net operating income to assets | 0.3792% | 5,022 |
| Return on assets (ROA) | 0.3792% | 5,049 |
| Pretax return on assets | 0.5309% | 4,952 |
| Return on Equity (ROE) | 4.1206% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.1206% | 3,256 |
| Net charge-offs to loans | 0.0514% | 2,191 |
| Credit loss provision to net charge-offs | 120.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 16.6000% | 1,974 |
| Efficiency ratio | 85.5022% | 732 |
| Assets per employee ($millions) | 2.4303% | 5,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 5,145 |
| Loan loss allowance to noncurrent loans | 581.6327% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 4,860 |
| Noncurrent loans to loans | 0.1249% | 4,621 |
| Net loans and leases to total assets | 66.7621% | 2,994 |
| Net loans and leases to deposits | 78.3017% | 3,087 |
| Net loans and leases to core deposits | 85.0649% | 2,965 |
| Total domestic deposits to total assets | 85.2627% | 2,708 |
| Equity capital to assets | 9.3746% | 4,544 |
| Core capital (leverage) ratio | 9.1740% | 4,525 |
| Tier 1 risk-based capital ratio | 17.1423% | 2,122 |
| Total risk-based capital ratio | 18.0440% | 2,165 |
| Memoranda: | ||
| Average total assets | $58,014,000 | 5,101 |
| Average earning assets | $53,884,000 | 5,087 |
| Average equity | $5,339,000 | 5,305 |
| Average total loans | $38,924,330 | 4,849 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9254% | 3,304 |
| Cost of funding earning assets | 0.3948% | 3,045 |
| Net interest margin | 3.5306% | 3,160 |
| Noninterest income to average assets | 0.6153% | 2,348 |
| Noninterest expense to average assets | 3.2494% | 1,480 |
| Loan and lease loss provision to assets | 0.0415% | 2,974 |
| Net operating income to assets | 0.4770% | 4,681 |
| Return on assets (ROA) | 0.4770% | 4,706 |
| Pretax return on assets | 0.6015% | 4,730 |
| Return on Equity (ROE) | 5.2327% | 4,288 |
| Retained earnings to average equity (ytd only) | 5.2327% | 2,766 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4813% | 1,019 |
| Assets per employee ($millions) | 2.6125% | 5,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7411% | 5,222 |
| Loan loss allowance to noncurrent loans | 365.8228% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 4,734 |
| Noncurrent loans to loans | 0.2026% | 4,397 |
| Net loans and leases to total assets | 64.4205% | 3,213 |
| Net loans and leases to deposits | 76.5560% | 3,131 |
| Net loans and leases to core deposits | 83.0291% | 2,992 |
| Total domestic deposits to total assets | 84.1482% | 3,423 |
| Equity capital to assets | 8.8703% | 4,934 |
| Core capital (leverage) ratio | 9.5682% | 4,036 |
| Tier 1 risk-based capital ratio | 16.5025% | 2,360 |
| Total risk-based capital ratio | 17.3893% | 2,444 |
| Memoranda: | ||
| Average total assets | $57,857,000 | 5,154 |
| Average earning assets | $53,701,500 | 5,146 |
| Average equity | $5,274,500 | 5,365 |
| Average total loans | $38,773,500 | 4,897 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8738% | 3,668 |
| Cost of funding earning assets | 0.4332% | 2,677 |
| Net interest margin | 3.4406% | 3,660 |
| Noninterest income to average assets | 0.7377% | 2,004 |
| Noninterest expense to average assets | 3.4763% | 1,211 |
| Loan and lease loss provision to assets | 0.0445% | 3,496 |
| Net operating income to assets | 0.3408% | 5,104 |
| Return on assets (ROA) | 0.3724% | 5,109 |
| Pretax return on assets | 0.4847% | 5,054 |
| Return on Equity (ROE) | 3.9265% | 4,862 |
| Retained earnings to average equity (ytd only) | 2.2545% | 4,251 |
| Net charge-offs to loans | 0.0816% | 2,522 |
| Credit loss provision to net charge-offs | 83.3333% | 2,922 |
| Earnings coverage of net charge-offs (x) | 9.1333% | 2,778 |
| Efficiency ratio | 87.6854% | 699 |
| Assets per employee ($millions) | 2.2250% | 5,757 |
| Cash dividends to net income (ytd only)* | 42.5837% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7341% | 5,287 |
| Loan loss allowance to noncurrent loans | 321.5909% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 4,685 |
| Noncurrent loans to loans | 0.2283% | 4,332 |
| Net loans and leases to total assets | 68.7916% | 2,650 |
| Net loans and leases to deposits | 79.3686% | 2,957 |
| Net loans and leases to core deposits | 86.4163% | 2,819 |
| Total domestic deposits to total assets | 86.6735% | 2,301 |
| Equity capital to assets | 9.3823% | 4,392 |
| Core capital (leverage) ratio | 9.6202% | 3,940 |
| Tier 1 risk-based capital ratio | 16.7693% | 2,240 |
| Total risk-based capital ratio | 17.6632% | 2,324 |
| Memoranda: | ||
| Average total assets | $56,122,600 | 5,228 |
| Average earning assets | $52,635,800 | 5,192 |
| Average equity | $5,322,800 | 5,409 |
| Average total loans | $36,756,000 | 4,993 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8220% | 3,864 |
| Cost of funding earning assets | 0.4320% | 2,714 |
| Net interest margin | 3.3900% | 3,885 |
| Noninterest income to average assets | 0.7230% | 2,067 |
| Noninterest expense to average assets | 3.3874% | 1,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3816% | 5,086 |
| Return on assets (ROA) | 0.3816% | 5,170 |
| Pretax return on assets | 0.5168% | 5,085 |
| Return on Equity (ROE) | 4.0133% | 4,894 |
| Retained earnings to average equity (ytd only) | 4.0133% | 3,445 |
| Net charge-offs to loans | 0.0955% | 1,995 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 8.3836% | 2,774 |
| Efficiency ratio | 86.7638% | 757 |
| Assets per employee ($millions) | 2.2834% | 5,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7141% | 5,402 |
| Loan loss allowance to noncurrent loans | 135.0515% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 4,045 |
| Noncurrent loans to loans | 0.5287% | 3,409 |
| Net loans and leases to total assets | 63.8165% | 3,429 |
| Net loans and leases to deposits | 75.2992% | 3,469 |
| Net loans and leases to core deposits | 81.9439% | 3,285 |
| Total domestic deposits to total assets | 84.7505% | 2,913 |
| Equity capital to assets | 9.5456% | 4,616 |
| Core capital (leverage) ratio | 9.4258% | 4,294 |
| Tier 1 risk-based capital ratio | 17.2225% | 2,158 |
| Total risk-based capital ratio | 18.0659% | 2,242 |
| Memoranda: | ||
| Average total assets | $56,246,750 | 5,273 |
| Average earning assets | $52,780,750 | 5,236 |
| Average equity | $5,348,750 | 5,461 |
| Average total loans | $36,307,750 | 5,052 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8051% | 3,938 |
| Cost of funding earning assets | 0.4295% | 2,741 |
| Net interest margin | 3.3756% | 3,979 |
| Noninterest income to average assets | 0.6825% | 2,220 |
| Noninterest expense to average assets | 3.3912% | 1,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2966% | 5,335 |
| Return on assets (ROA) | 0.2966% | 5,422 |
| Pretax return on assets | 0.4646% | 5,215 |
| Return on Equity (ROE) | 3.1230% | 5,213 |
| Retained earnings to average equity (ytd only) | 3.1230% | 3,915 |
| Net charge-offs to loans | 0.1437% | 1,466 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,901 |
| Efficiency ratio | 87.9518% | 726 |
| Assets per employee ($millions) | 2.2740% | 5,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 5,461 |
| Loan loss allowance to noncurrent loans | 79.8780% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 3,293 |
| Noncurrent loans to loans | 0.9097% | 2,464 |
| Net loans and leases to total assets | 62.9628% | 3,507 |
| Net loans and leases to deposits | 74.2265% | 3,567 |
| Net loans and leases to core deposits | 80.2381% | 3,437 |
| Total domestic deposits to total assets | 84.8252% | 2,953 |
| Equity capital to assets | 9.4633% | 4,805 |
| Core capital (leverage) ratio | 9.4049% | 4,329 |
| Tier 1 risk-based capital ratio | 18.0264% | 1,924 |
| Total risk-based capital ratio | 18.9222% | 1,980 |
| Memoranda: | ||
| Average total assets | $55,967,670 | 5,334 |
| Average earning assets | $52,613,330 | 5,298 |
| Average equity | $5,315,330 | 5,521 |
| Average total loans | $36,180,000 | 5,100 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0206% | 3,148 |
| Cost of funding earning assets | 0.4228% | 2,833 |
| Net interest margin | 3.5978% | 3,088 |
| Noninterest income to average assets | 0.4394% | 3,548 |
| Noninterest expense to average assets | 3.4218% | 1,338 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3530% | 5,136 |
| Return on assets (ROA) | 0.3530% | 5,222 |
| Pretax return on assets | 0.3890% | 5,330 |
| Return on Equity (ROE) | 3.7100% | 4,992 |
| Retained earnings to average equity (ytd only) | 3.7100% | 3,635 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7921% | 683 |
| Assets per employee ($millions) | 2.2221% | 5,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 5,419 |
| Loan loss allowance to noncurrent loans | 201.3986% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2574% | 4,532 |
| Noncurrent loans to loans | 0.3876% | 4,049 |
| Net loans and leases to total assets | 65.8968% | 2,969 |
| Net loans and leases to deposits | 77.8707% | 3,019 |
| Net loans and leases to core deposits | 82.4371% | 3,095 |
| Total domestic deposits to total assets | 84.6234% | 3,270 |
| Equity capital to assets | 9.5946% | 4,571 |
| Core capital (leverage) ratio | 9.5755% | 4,066 |
| Tier 1 risk-based capital ratio | 17.4583% | 2,134 |
| Total risk-based capital ratio | 18.4182% | 2,193 |
| Memoranda: | ||
| Average total assets | $55,526,000 | 5,390 |
| Average earning assets | $52,031,500 | 5,362 |
| Average equity | $5,283,000 | 5,559 |
| Average total loans | $36,241,500 | 5,138 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0376% | 3,162 |
| Cost of funding earning assets | 0.4238% | 2,906 |
| Net interest margin | 3.6138% | 3,082 |
| Noninterest income to average assets | 0.4495% | 3,671 |
| Noninterest expense to average assets | 3.4126% | 1,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3668% | 5,155 |
| Return on assets (ROA) | 0.3668% | 5,238 |
| Pretax return on assets | 0.4099% | 5,301 |
| Return on Equity (ROE) | 3.8963% | 4,990 |
| Retained earnings to average equity (ytd only) | 2.4829% | 4,304 |
| Net charge-offs to loans | -0.0740% | 5,693 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2756% | 738 |
| Assets per employee ($millions) | 2.2200% | 5,992 |
| Cash dividends to net income (ytd only)* | 36.2745% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8093% | 5,388 |
| Loan loss allowance to noncurrent loans | 85.9701% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 0.6036% | 3,268 |
| Noncurrent loans to loans | 0.9413% | 2,447 |
| Net loans and leases to total assets | 63.6036% | 3,336 |
| Net loans and leases to deposits | 75.1416% | 3,363 |
| Net loans and leases to core deposits | 79.0930% | 3,436 |
| Total domestic deposits to total assets | 84.6450% | 3,238 |
| Equity capital to assets | 9.4342% | 4,630 |
| Core capital (leverage) ratio | 9.3051% | 4,466 |
| Tier 1 risk-based capital ratio | 17.7280% | 2,045 |
| Total risk-based capital ratio | 18.7120% | 2,086 |
| Memoranda: | ||
| Average total assets | $55,618,200 | 5,417 |
| Average earning assets | $51,912,600 | 5,396 |
| Average equity | $5,235,800 | 5,594 |
| Average total loans | $35,133,200 | 5,189 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0291% | 3,217 |
| Cost of funding earning assets | 0.4209% | 3,005 |
| Net interest margin | 3.6082% | 3,126 |
| Noninterest income to average assets | 0.4313% | 3,856 |
| Noninterest expense to average assets | 3.2945% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4265% | 5,066 |
| Return on assets (ROA) | 0.4265% | 5,147 |
| Pretax return on assets | 0.5056% | 5,204 |
| Return on Equity (ROE) | 4.5329% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.5329% | 3,243 |
| Net charge-offs to loans | -0.0990% | 5,779 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6961% | 958 |
| Assets per employee ($millions) | 2.2174% | 6,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 5,475 |
| Loan loss allowance to noncurrent loans | 119.0083% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 4,033 |
| Noncurrent loans to loans | 0.6860% | 3,265 |
| Net loans and leases to total assets | 63.1136% | 3,434 |
| Net loans and leases to deposits | 74.7362% | 3,451 |
| Net loans and leases to core deposits | 78.6737% | 3,546 |
| Total domestic deposits to total assets | 84.4485% | 3,238 |
| Equity capital to assets | 9.6221% | 4,609 |
| Core capital (leverage) ratio | 9.4885% | 4,317 |
| Tier 1 risk-based capital ratio | 17.9706% | 2,033 |
| Total risk-based capital ratio | 18.9589% | 2,077 |
| Memoranda: | ||
| Average total assets | $55,647,750 | 5,481 |
| Average earning assets | $51,954,250 | 5,461 |
| Average equity | $5,235,750 | 5,668 |
| Average total loans | $35,019,500 | 5,250 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0182% | 3,213 |
| Cost of funding earning assets | 0.4068% | 3,202 |
| Net interest margin | 3.6114% | 3,039 |
| Noninterest income to average assets | 0.3984% | 4,087 |
| Noninterest expense to average assets | 3.2592% | 1,822 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4487% | 4,970 |
| Return on assets (ROA) | 0.4487% | 5,074 |
| Pretax return on assets | 0.5169% | 5,184 |
| Return on Equity (ROE) | 4.8049% | 4,700 |
| Retained earnings to average equity (ytd only) | 4.8049% | 2,987 |
| Net charge-offs to loans | -0.1489% | 5,930 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3118% | 1,036 |
| Assets per employee ($millions) | 2.2206% | 6,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 5,587 |
| Loan loss allowance to noncurrent loans | 103.9711% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 3,952 |
| Noncurrent loans to loans | 0.7750% | 3,174 |
| Net loans and leases to total assets | 63.8620% | 3,281 |
| Net loans and leases to deposits | 75.3630% | 3,334 |
| Net loans and leases to core deposits | 78.7582% | 3,505 |
| Total domestic deposits to total assets | 84.7393% | 3,241 |
| Equity capital to assets | 9.4479% | 4,717 |
| Core capital (leverage) ratio | 9.2730% | 4,591 |
| Tier 1 risk-based capital ratio | 17.7625% | 2,138 |
| Total risk-based capital ratio | 18.7494% | 2,176 |
| Memoranda: | ||
| Average total assets | $55,718,670 | 5,545 |
| Average earning assets | $52,113,330 | 5,512 |
| Average equity | $5,203,000 | 5,729 |
| Average total loans | $34,934,330 | 5,299 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 3,399 |
| Cost of funding earning assets | 0.3741% | 3,603 |
| Net interest margin | 3.5805% | 3,078 |
| Noninterest income to average assets | 0.3153% | 4,667 |
| Noninterest expense to average assets | 3.3321% | 1,644 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3440% | 5,268 |
| Return on assets (ROA) | 0.3440% | 5,385 |
| Pretax return on assets | 0.3440% | 5,551 |
| Return on Equity (ROE) | 3.7051% | 5,109 |
| Retained earnings to average equity (ytd only) | 3.7051% | 3,787 |
| Net charge-offs to loans | -0.3012% | 6,144 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6433% | 803 |
| Assets per employee ($millions) | 2.2397% | 6,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 5,629 |
| Loan loss allowance to noncurrent loans | 182.2785% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.3000% | 4,771 |
| Noncurrent loans to loans | 0.4523% | 4,227 |
| Net loans and leases to total assets | 61.8720% | 3,387 |
| Net loans and leases to deposits | 72.9040% | 3,443 |
| Net loans and leases to core deposits | 76.1490% | 3,583 |
| Total domestic deposits to total assets | 84.8678% | 3,470 |
| Equity capital to assets | 9.3547% | 4,905 |
| Core capital (leverage) ratio | 9.2336% | 4,669 |
| Tier 1 risk-based capital ratio | 17.9641% | 2,144 |
| Total risk-based capital ratio | 18.9771% | 2,195 |
| Memoranda: | ||
| Average total assets | $55,820,500 | 5,593 |
| Average earning assets | $52,394,500 | 5,551 |
| Average equity | $5,182,000 | 5,786 |
| Average total loans | $34,531,000 | 5,346 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9643% | 3,860 |
| Cost of funding earning assets | 0.3962% | 3,731 |
| Net interest margin | 3.5681% | 3,527 |
| Noninterest income to average assets | 0.4277% | 3,988 |
| Noninterest expense to average assets | 3.4418% | 1,619 |
| Loan and lease loss provision to assets | 0.0747% | 2,988 |
| Net operating income to assets | 0.2409% | 5,681 |
| Return on assets (ROA) | 0.3156% | 5,552 |
| Pretax return on assets | 0.3156% | 5,673 |
| Return on Equity (ROE) | 3.3118% | 5,372 |
| Retained earnings to average equity (ytd only) | 1.9792% | 4,802 |
| Net charge-offs to loans | 0.1034% | 3,027 |
| Credit loss provision to net charge-offs | 125.0000% | 1,911 |
| Earnings coverage of net charge-offs (x) | 5.2813% | 3,467 |
| Efficiency ratio | 91.6004% | 733 |
| Assets per employee ($millions) | 2.2259% | 6,302 |
| Cash dividends to net income (ytd only)* | 40.2367% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7677% | 5,850 |
| Loan loss allowance to noncurrent loans | 369.0141% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 5,450 |
| Noncurrent loans to loans | 0.2080% | 5,071 |
| Net loans and leases to total assets | 60.8611% | 3,658 |
| Net loans and leases to deposits | 71.6419% | 3,722 |
| Net loans and leases to core deposits | 74.8448% | 3,835 |
| Total domestic deposits to total assets | 84.9518% | 3,302 |
| Equity capital to assets | 9.2115% | 5,056 |
| Core capital (leverage) ratio | 9.3835% | 4,408 |
| Tier 1 risk-based capital ratio | 17.2662% | 2,395 |
| Total risk-based capital ratio | 18.1604% | 2,497 |
| Memoranda: | ||
| Average total assets | $53,547,200 | 5,707 |
| Average earning assets | $49,971,000 | 5,678 |
| Average equity | $5,103,000 | 5,831 |
| Average total loans | $30,950,800 | 5,532 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9678% | 3,893 |
| Cost of funding earning assets | 0.4049% | 3,734 |
| Net interest margin | 3.5629% | 3,582 |
| Noninterest income to average assets | 0.4224% | 4,080 |
| Noninterest expense to average assets | 3.4199% | 1,614 |
| Loan and lease loss provision to assets | 0.1006% | 2,359 |
| Net operating income to assets | 0.2213% | 5,804 |
| Return on assets (ROA) | 0.3219% | 5,592 |
| Pretax return on assets | 0.3219% | 5,738 |
| Return on Equity (ROE) | 3.3481% | 5,406 |
| Retained earnings to average equity (ytd only) | 3.3481% | 4,230 |
| Net charge-offs to loans | 0.1061% | 2,738 |
| Credit loss provision to net charge-offs | 166.6667% | 1,468 |
| Earnings coverage of net charge-offs (x) | 5.3331% | 3,291 |
| Efficiency ratio | 91.3978% | 743 |
| Assets per employee ($millions) | 2.1418% | 6,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8551% | 5,731 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 6,020 |
| Noncurrent loans to loans | 0.0633% | 5,760 |
| Net loans and leases to total assets | 58.4638% | 4,009 |
| Net loans and leases to deposits | 65.0061% | 4,431 |
| Net loans and leases to core deposits | 69.3786% | 4,382 |
| Total domestic deposits to total assets | 89.9358% | 765 |
| Equity capital to assets | 9.6291% | 4,636 |
| Core capital (leverage) ratio | 9.4449% | 4,443 |
| Tier 1 risk-based capital ratio | 18.6150% | 2,011 |
| Total risk-based capital ratio | 19.6033% | 2,067 |
| Memoranda: | ||
| Average total assets | $53,022,000 | 5,782 |
| Average earning assets | $49,396,250 | 5,758 |
| Average equity | $5,097,250 | 5,895 |
| Average total loans | $30,156,000 | 5,613 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9640% | 3,876 |
| Cost of funding earning assets | 0.3988% | 3,879 |
| Net interest margin | 3.5651% | 3,508 |
| Noninterest income to average assets | 0.4163% | 4,126 |
| Noninterest expense to average assets | 3.3114% | 1,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4201% | 5,135 |
| Return on assets (ROA) | 0.4239% | 5,205 |
| Pretax return on assets | 0.4239% | 5,492 |
| Return on Equity (ROE) | 4.4115% | 4,965 |
| Retained earnings to average equity (ytd only) | 4.4115% | 3,370 |
| Net charge-offs to loans | 0.0741% | 2,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 10.0909% | 2,282 |
| Efficiency ratio | 88.7424% | 1,020 |
| Assets per employee ($millions) | 2.1574% | 6,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 5,938 |
| Loan loss allowance to noncurrent loans | 211.3043% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 5,483 |
| Noncurrent loans to loans | 0.3853% | 4,837 |
| Net loans and leases to total assets | 54.8819% | 4,424 |
| Net loans and leases to deposits | 60.9869% | 4,785 |
| Net loans and leases to core deposits | 65.0521% | 4,725 |
| Total domestic deposits to total assets | 89.9896% | 818 |
| Equity capital to assets | 9.6043% | 4,618 |
| Core capital (leverage) ratio | 9.4703% | 4,371 |
| Tier 1 risk-based capital ratio | 19.4112% | 1,820 |
| Total risk-based capital ratio | 20.3415% | 1,862 |
| Memoranda: | ||
| Average total assets | $52,847,330 | 5,833 |
| Average earning assets | $49,142,670 | 5,810 |
| Average equity | $5,077,670 | 5,939 |
| Average total loans | $29,683,000 | 5,672 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9861% | 3,749 |
| Cost of funding earning assets | 0.3945% | 4,037 |
| Net interest margin | 3.5916% | 3,282 |
| Noninterest income to average assets | 0.3900% | 4,274 |
| Noninterest expense to average assets | 3.5179% | 1,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2141% | 5,761 |
| Return on assets (ROA) | 0.2141% | 5,816 |
| Pretax return on assets | 0.2141% | 5,899 |
| Return on Equity (ROE) | 2.2282% | 5,729 |
| Retained earnings to average equity (ytd only) | 2.2282% | 4,716 |
| Net charge-offs to loans | -0.0270% | 5,501 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2623% | 736 |
| Assets per employee ($millions) | 2.0909% | 6,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 5,974 |
| Loan loss allowance to noncurrent loans | 568.8889% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 5,993 |
| Noncurrent loans to loans | 0.1516% | 5,630 |
| Net loans and leases to total assets | 56.2978% | 4,108 |
| Net loans and leases to deposits | 62.5861% | 4,482 |
| Net loans and leases to core deposits | 65.4101% | 4,559 |
| Total domestic deposits to total assets | 89.9526% | 1,094 |
| Equity capital to assets | 9.6935% | 4,232 |
| Core capital (leverage) ratio | 9.5872% | 4,152 |
| Tier 1 risk-based capital ratio | 18.9359% | 1,983 |
| Total risk-based capital ratio | 19.9081% | 2,034 |
| Memoranda: | ||
| Average total assets | $52,304,000 | 5,909 |
| Average earning assets | $48,669,500 | 5,876 |
| Average equity | $5,026,500 | 5,986 |
| Average total loans | $29,603,000 | 5,731 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9869% | 4,132 |
| Cost of funding earning assets | 0.4499% | 4,116 |
| Net interest margin | 3.5370% | 3,734 |
| Noninterest income to average assets | 0.4537% | 4,063 |
| Noninterest expense to average assets | 3.1837% | 2,469 |
| Loan and lease loss provision to assets | 0.0584% | 3,971 |
| Net operating income to assets | 0.4330% | 5,023 |
| Return on assets (ROA) | 0.4820% | 4,950 |
| Pretax return on assets | 0.5705% | 4,968 |
| Return on Equity (ROE) | 5.0463% | 4,606 |
| Retained earnings to average equity (ytd only) | 3.3511% | 3,843 |
| Net charge-offs to loans | 0.0635% | 4,325 |
| Credit loss provision to net charge-offs | 172.2222% | 1,327 |
| Earnings coverage of net charge-offs (x) | 16.8333% | 1,769 |
| Efficiency ratio | 84.8044% | 1,539 |
| Assets per employee ($millions) | 2.1807% | 6,574 |
| Cash dividends to net income (ytd only)* | 33.5938% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8604% | 6,033 |
| Loan loss allowance to noncurrent loans | 2,309.0909% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 6,342 |
| Noncurrent loans to loans | 0.0373% | 6,135 |
| Net loans and leases to total assets | 55.9233% | 4,330 |
| Net loans and leases to deposits | 62.1138% | 4,710 |
| Net loans and leases to core deposits | 65.2692% | 4,752 |
| Total domestic deposits to total assets | 90.0336% | 1,051 |
| Equity capital to assets | 9.5269% | 4,389 |
| Core capital (leverage) ratio | 9.3183% | 4,517 |
| Tier 1 risk-based capital ratio | 18.8124% | 1,977 |
| Total risk-based capital ratio | 19.7761% | 2,037 |
| Memoranda: | ||
| Average total assets | $53,113,600 | 5,935 |
| Average earning assets | $49,562,400 | 5,904 |
| Average equity | $5,073,000 | 6,045 |
| Average total loans | $28,365,800 | 5,833 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9276% | 4,398 |
| Cost of funding earning assets | 0.4561% | 4,203 |
| Net interest margin | 3.4715% | 4,009 |
| Noninterest income to average assets | 0.4727% | 3,985 |
| Noninterest expense to average assets | 3.1214% | 2,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5077% | 4,762 |
| Return on assets (ROA) | 0.5077% | 4,923 |
| Pretax return on assets | 0.5878% | 5,063 |
| Return on Equity (ROE) | 5.3125% | 4,556 |
| Retained earnings to average equity (ytd only) | 5.3125% | 2,868 |
| Net charge-offs to loans | 0.0712% | 3,913 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 15.6665% | 1,848 |
| Efficiency ratio | 84.1537% | 1,571 |
| Assets per employee ($millions) | 2.4200% | 6,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7699% | 6,330 |
| Loan loss allowance to noncurrent loans | 347.6923% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 6,060 |
| Noncurrent loans to loans | 0.2214% | 5,680 |
| Net loans and leases to total assets | 54.7078% | 4,500 |
| Net loans and leases to deposits | 60.8817% | 4,881 |
| Net loans and leases to core deposits | 64.5231% | 4,845 |
| Total domestic deposits to total assets | 89.8593% | 1,081 |
| Equity capital to assets | 9.5040% | 4,551 |
| Core capital (leverage) ratio | 9.5157% | 4,374 |
| Tier 1 risk-based capital ratio | 18.6155% | 2,111 |
| Total risk-based capital ratio | 19.4584% | 2,209 |
| Memoranda: | ||
| Average total assets | $53,308,000 | 5,998 |
| Average earning assets | $49,698,000 | 5,962 |
| Average equity | $5,094,750 | 6,113 |
| Average total loans | $28,076,750 | 5,903 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9192% | 4,409 |
| Cost of funding earning assets | 0.4672% | 4,237 |
| Net interest margin | 3.4520% | 3,998 |
| Noninterest income to average assets | 0.4613% | 4,084 |
| Noninterest expense to average assets | 3.0039% | 2,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5813% | 4,395 |
| Return on assets (ROA) | 0.5813% | 4,570 |
| Pretax return on assets | 0.6713% | 4,776 |
| Return on Equity (ROE) | 6.0709% | 4,129 |
| Retained earnings to average equity (ytd only) | 6.0709% | 2,391 |
| Net charge-offs to loans | 0.0723% | 3,676 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 17.9000% | 1,580 |
| Efficiency ratio | 81.7347% | 1,921 |
| Assets per employee ($millions) | 2.7409% | 6,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 6,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 52.1717% | 4,838 |
| Net loans and leases to deposits | 58.0184% | 5,159 |
| Net loans and leases to core deposits | 61.5667% | 5,137 |
| Total domestic deposits to total assets | 89.9228% | 1,069 |
| Equity capital to assets | 9.6663% | 4,362 |
| Core capital (leverage) ratio | 9.3626% | 4,449 |
| Tier 1 risk-based capital ratio | 19.4852% | 1,861 |
| Total risk-based capital ratio | 20.3958% | 1,923 |
| Memoranda: | ||
| Average total assets | $53,330,330 | 6,041 |
| Average earning assets | $49,652,670 | 6,007 |
| Average equity | $5,106,330 | 6,155 |
| Average total loans | $27,651,330 | 5,953 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7277% | 5,064 |
| Cost of funding earning assets | 0.4769% | 4,307 |
| Net interest margin | 3.2508% | 4,731 |
| Noninterest income to average assets | 0.4893% | 3,850 |
| Noninterest expense to average assets | 2.9579% | 3,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5263% | 4,544 |
| Return on assets (ROA) | 0.5263% | 4,694 |
| Pretax return on assets | 0.5634% | 5,068 |
| Return on Equity (ROE) | 5.5226% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.5226% | 2,946 |
| Net charge-offs to loans | 0.1296% | 2,630 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 8.4444% | 1,945 |
| Efficiency ratio | 84.0000% | 1,767 |
| Assets per employee ($millions) | 2.8209% | 6,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 6,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 51.2659% | 4,799 |
| Net loans and leases to deposits | 57.2521% | 5,112 |
| Net loans and leases to core deposits | 61.0125% | 5,056 |
| Total domestic deposits to total assets | 89.5442% | 1,335 |
| Equity capital to assets | 9.6423% | 4,653 |
| Core capital (leverage) ratio | 9.0909% | 4,735 |
| Tier 1 risk-based capital ratio | 19.1297% | 2,005 |
| Total risk-based capital ratio | 20.0433% | 2,073 |
| Memoranda: | ||
| Average total assets | $53,956,500 | 6,079 |
| Average earning assets | $50,325,500 | 6,039 |
| Average equity | $5,142,500 | 6,205 |
| Average total loans | $27,776,500 | 5,999 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1865% | 4,641 |
| Cost of funding earning assets | 0.6458% | 3,950 |
| Net interest margin | 3.5406% | 4,341 |
| Noninterest income to average assets | 0.5289% | 3,718 |
| Noninterest expense to average assets | 3.0851% | 2,974 |
| Loan and lease loss provision to assets | 0.0769% | 4,752 |
| Net operating income to assets | 0.5557% | 4,449 |
| Return on assets (ROA) | 0.6617% | 4,187 |
| Pretax return on assets | 0.8194% | 4,225 |
| Return on Equity (ROE) | 6.8507% | 3,730 |
| Retained earnings to average equity (ytd only) | 5.1181% | 2,624 |
| Net charge-offs to loans | 0.2069% | 3,722 |
| Credit loss provision to net charge-offs | 70.1754% | 4,155 |
| Earnings coverage of net charge-offs (x) | 6.9825% | 2,701 |
| Efficiency ratio | 80.1199% | 2,124 |
| Assets per employee ($millions) | 2.8587% | 6,229 |
| Cash dividends to net income (ytd only)* | 25.2907% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 6,359 |
| Loan loss allowance to noncurrent loans | 182.5758% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 5,109 |
| Noncurrent loans to loans | 0.4741% | 5,338 |
| Net loans and leases to total assets | 50.8193% | 5,062 |
| Net loans and leases to deposits | 56.6506% | 5,375 |
| Net loans and leases to core deposits | 60.6446% | 5,304 |
| Total domestic deposits to total assets | 89.7065% | 1,125 |
| Equity capital to assets | 9.4208% | 4,972 |
| Core capital (leverage) ratio | 8.8899% | 5,054 |
| Tier 1 risk-based capital ratio | 19.1765% | 1,910 |
| Total risk-based capital ratio | 20.1418% | 1,954 |
| Memoranda: | ||
| Average total assets | $51,991,200 | 6,148 |
| Average earning assets | $48,776,400 | 6,094 |
| Average equity | $5,021,400 | 6,281 |
| Average total loans | $27,549,200 | 6,057 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2204% | 4,746 |
| Cost of funding earning assets | 0.6895% | 3,858 |
| Net interest margin | 3.5308% | 4,525 |
| Noninterest income to average assets | 0.4824% | 4,045 |
| Noninterest expense to average assets | 3.0707% | 2,973 |
| Loan and lease loss provision to assets | 0.1037% | 4,282 |
| Net operating income to assets | 0.4951% | 4,860 |
| Return on assets (ROA) | 0.6380% | 4,448 |
| Pretax return on assets | 0.7910% | 4,525 |
| Return on Equity (ROE) | 6.5631% | 4,034 |
| Retained earnings to average equity (ytd only) | 6.5631% | 2,350 |
| Net charge-offs to loans | 0.0048% | 5,692 |
| Credit loss provision to net charge-offs | 4,000.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 277.6842% | 166 |
| Efficiency ratio | 81.0404% | 1,928 |
| Assets per employee ($millions) | 2.9481% | 6,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 5,858 |
| Loan loss allowance to noncurrent loans | 89.7281% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.6238% | 5,109 |
| Noncurrent loans to loans | 1.1805% | 4,090 |
| Net loans and leases to total assets | 52.2783% | 5,006 |
| Net loans and leases to deposits | 58.4793% | 5,379 |
| Net loans and leases to core deposits | 62.7221% | 5,291 |
| Total domestic deposits to total assets | 89.3962% | 1,194 |
| Equity capital to assets | 9.7200% | 4,898 |
| Core capital (leverage) ratio | 9.1168% | 4,884 |
| Tier 1 risk-based capital ratio | 18.8588% | 2,053 |
| Total risk-based capital ratio | 20.0316% | 2,045 |
| Memoranda: | ||
| Average total assets | $51,410,000 | 6,236 |
| Average earning assets | $48,146,000 | 6,193 |
| Average equity | $4,997,500 | 6,362 |
| Average total loans | $27,475,500 | 6,137 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2995% | 4,582 |
| Cost of funding earning assets | 0.6647% | 4,325 |
| Net interest margin | 3.6348% | 4,103 |
| Noninterest income to average assets | 0.4640% | 4,172 |
| Noninterest expense to average assets | 3.0044% | 3,244 |
| Loan and lease loss provision to assets | 0.1573% | 3,544 |
| Net operating income to assets | 0.5694% | 4,499 |
| Return on assets (ROA) | 0.7000% | 4,137 |
| Pretax return on assets | 0.8612% | 4,230 |
| Return on Equity (ROE) | 7.2006% | 3,670 |
| Retained earnings to average equity (ytd only) | 7.2006% | 2,000 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8004% | 2,488 |
| Assets per employee ($millions) | 2.9230% | 6,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 5,921 |
| Loan loss allowance to noncurrent loans | 88.4273% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.6405% | 5,172 |
| Noncurrent loans to loans | 1.2002% | 4,149 |
| Net loans and leases to total assets | 52.8015% | 4,988 |
| Net loans and leases to deposits | 59.1803% | 5,315 |
| Net loans and leases to core deposits | 63.5154% | 5,259 |
| Total domestic deposits to total assets | 89.2215% | 1,374 |
| Equity capital to assets | 9.6286% | 4,868 |
| Core capital (leverage) ratio | 9.1944% | 4,620 |
| Tier 1 risk-based capital ratio | 18.1878% | 2,233 |
| Total risk-based capital ratio | 19.3388% | 2,238 |
| Memoranda: | ||
| Average total assets | $50,858,000 | 6,298 |
| Average earning assets | $47,540,330 | 6,248 |
| Average equity | $4,944,000 | 6,404 |
| Average total loans | $27,287,670 | 6,193 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4047% | 4,312 |
| Cost of funding earning assets | 0.6697% | 4,537 |
| Net interest margin | 3.7349% | 3,675 |
| Noninterest income to average assets | 0.4562% | 4,253 |
| Noninterest expense to average assets | 3.1212% | 2,847 |
| Loan and lease loss provision to assets | 0.3201% | 1,961 |
| Net operating income to assets | 0.4443% | 5,061 |
| Return on assets (ROA) | 0.7363% | 3,940 |
| Pretax return on assets | 0.8243% | 4,324 |
| Return on Equity (ROE) | 7.5364% | 3,481 |
| Retained earnings to average equity (ytd only) | 7.5364% | 2,162 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2683% | 2,306 |
| Assets per employee ($millions) | 2.8289% | 6,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 5,870 |
| Loan loss allowance to noncurrent loans | 84.9003% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7580% | 5,037 |
| Noncurrent loans to loans | 1.3075% | 4,157 |
| Net loans and leases to total assets | 52.1337% | 5,002 |
| Net loans and leases to deposits | 58.3194% | 5,341 |
| Net loans and leases to core deposits | 62.7292% | 5,253 |
| Total domestic deposits to total assets | 89.3934% | 1,425 |
| Equity capital to assets | 9.6247% | 4,618 |
| Core capital (leverage) ratio | 9.3386% | 4,300 |
| Tier 1 risk-based capital ratio | 18.4625% | 2,156 |
| Total risk-based capital ratio | 19.6526% | 2,143 |
| Memoranda: | ||
| Average total assets | $49,980,000 | 6,369 |
| Average earning assets | $46,587,000 | 6,313 |
| Average equity | $4,883,000 | 6,458 |
| Average total loans | $26,892,000 | 6,255 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6428% | 4,487 |
| Cost of funding earning assets | 1.0337% | 3,132 |
| Net interest margin | 3.6091% | 4,695 |
| Noninterest income to average assets | 0.5057% | 3,809 |
| Noninterest expense to average assets | 3.1614% | 2,992 |
| Loan and lease loss provision to assets | 0.0614% | 5,844 |
| Net operating income to assets | 0.5715% | 4,144 |
| Return on assets (ROA) | 0.5733% | 4,312 |
| Pretax return on assets | 0.6450% | 4,533 |
| Return on Equity (ROE) | 5.9262% | 3,906 |
| Retained earnings to average equity (ytd only) | 3.7674% | 3,534 |
| Net charge-offs to loans | 0.2158% | 4,439 |
| Credit loss provision to net charge-offs | 53.5714% | 5,333 |
| Earnings coverage of net charge-offs (x) | 6.1429% | 2,582 |
| Efficiency ratio | 81.7797% | 2,053 |
| Assets per employee ($millions) | 2.7244% | 6,572 |
| Cash dividends to net income (ytd only)* | 36.4286% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 6,370 |
| Loan loss allowance to noncurrent loans | 69.7297% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 0.8259% | 4,980 |
| Noncurrent loans to loans | 1.3735% | 4,083 |
| Net loans and leases to total assets | 54.4077% | 4,976 |
| Net loans and leases to deposits | 61.1795% | 5,350 |
| Net loans and leases to core deposits | 65.6165% | 5,302 |
| Total domestic deposits to total assets | 88.9313% | 1,590 |
| Equity capital to assets | 9.9207% | 4,271 |
| Core capital (leverage) ratio | 9.1819% | 4,492 |
| Tier 1 risk-based capital ratio | 17.9332% | 2,215 |
| Total risk-based capital ratio | 18.9543% | 2,272 |
| Memoranda: | ||
| Average total assets | $48,838,600 | 6,396 |
| Average earning assets | $45,468,600 | 6,344 |
| Average equity | $4,724,800 | 6,524 |
| Average total loans | $25,952,200 | 6,361 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6437% | 4,690 |
| Cost of funding earning assets | 1.1191% | 2,837 |
| Net interest margin | 3.5246% | 5,080 |
| Noninterest income to average assets | 0.4892% | 3,955 |
| Noninterest expense to average assets | 3.1783% | 2,886 |
| Loan and lease loss provision to assets | 0.0273% | 6,096 |
| Net operating income to assets | 0.5113% | 4,500 |
| Return on assets (ROA) | 0.5138% | 4,671 |
| Pretax return on assets | 0.5657% | 4,914 |
| Return on Equity (ROE) | 5.3448% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.3448% | 2,951 |
| Net charge-offs to loans | 0.2334% | 3,967 |
| Credit loss provision to net charge-offs | 22.2222% | 5,529 |
| Earnings coverage of net charge-offs (x) | 4.7998% | 2,961 |
| Efficiency ratio | 84.3365% | 1,698 |
| Assets per employee ($millions) | 2.7519% | 6,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 6,467 |
| Loan loss allowance to noncurrent loans | 145.6140% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 6,206 |
| Noncurrent loans to loans | 0.6484% | 5,589 |
| Net loans and leases to total assets | 52.7375% | 5,355 |
| Net loans and leases to deposits | 59.2977% | 5,718 |
| Net loans and leases to core deposits | 63.9517% | 5,619 |
| Total domestic deposits to total assets | 88.9369% | 1,459 |
| Equity capital to assets | 9.8983% | 4,479 |
| Core capital (leverage) ratio | 9.1124% | 4,769 |
| Tier 1 risk-based capital ratio | 17.9185% | 2,283 |
| Total risk-based capital ratio | 18.9012% | 2,345 |
| Memoranda: | ||
| Average total assets | $48,788,500 | 6,459 |
| Average earning assets | $45,393,500 | 6,405 |
| Average equity | $4,689,750 | 6,588 |
| Average total loans | $25,705,500 | 6,439 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6664% | 4,676 |
| Cost of funding earning assets | 1.1832% | 2,689 |
| Net interest margin | 3.4832% | 5,231 |
| Noninterest income to average assets | 0.4986% | 3,865 |
| Noninterest expense to average assets | 3.1108% | 3,211 |
| Loan and lease loss provision to assets | 0.0412% | 5,795 |
| Net operating income to assets | 0.5398% | 4,337 |
| Return on assets (ROA) | 0.5398% | 4,473 |
| Pretax return on assets | 0.5851% | 4,791 |
| Return on Equity (ROE) | 5.6726% | 4,128 |
| Retained earnings to average equity (ytd only) | 5.6726% | 2,608 |
| Net charge-offs to loans | 0.3139% | 3,302 |
| Credit loss provision to net charge-offs | 25.0000% | 5,061 |
| Earnings coverage of net charge-offs (x) | 3.8000% | 3,049 |
| Efficiency ratio | 83.2415% | 1,914 |
| Assets per employee ($millions) | 2.7202% | 6,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 6,425 |
| Loan loss allowance to noncurrent loans | 51.9427% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 0.9987% | 4,874 |
| Noncurrent loans to loans | 1.8832% | 3,633 |
| Net loans and leases to total assets | 52.5131% | 5,497 |
| Net loans and leases to deposits | 58.8941% | 5,831 |
| Net loans and leases to core deposits | 63.5885% | 5,771 |
| Total domestic deposits to total assets | 89.1653% | 1,439 |
| Equity capital to assets | 9.7318% | 4,496 |
| Core capital (leverage) ratio | 9.1901% | 4,426 |
| Tier 1 risk-based capital ratio | 17.6129% | 2,303 |
| Total risk-based capital ratio | 18.6108% | 2,366 |
| Memoranda: | ||
| Average total assets | $48,540,000 | 6,525 |
| Average earning assets | $45,131,000 | 6,470 |
| Average equity | $4,618,670 | 6,646 |
| Average total loans | $25,483,330 | 6,510 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7447% | 4,311 |
| Cost of funding earning assets | 1.1995% | 2,821 |
| Net interest margin | 3.5452% | 4,830 |
| Noninterest income to average assets | 0.4883% | 3,983 |
| Noninterest expense to average assets | 2.8720% | 4,177 |
| Loan and lease loss provision to assets | 0.0828% | 4,964 |
| Net operating income to assets | 0.7532% | 3,258 |
| Return on assets (ROA) | 0.7532% | 3,322 |
| Pretax return on assets | 0.8359% | 3,762 |
| Return on Equity (ROE) | 8.0079% | 2,911 |
| Retained earnings to average equity (ytd only) | 8.0079% | 1,731 |
| Net charge-offs to loans | 0.6339% | 1,934 |
| Credit loss provision to net charge-offs | 25.0000% | 4,196 |
| Earnings coverage of net charge-offs (x) | 2.7750% | 2,972 |
| Efficiency ratio | 75.7642% | 3,192 |
| Assets per employee ($millions) | 2.6876% | 6,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 6,363 |
| Loan loss allowance to noncurrent loans | 141.8994% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 6,282 |
| Noncurrent loans to loans | 0.7105% | 5,590 |
| Net loans and leases to total assets | 51.5534% | 5,640 |
| Net loans and leases to deposits | 57.7903% | 5,944 |
| Net loans and leases to core deposits | 62.8813% | 5,842 |
| Total domestic deposits to total assets | 89.2077% | 1,643 |
| Equity capital to assets | 9.5231% | 4,396 |
| Core capital (leverage) ratio | 9.1161% | 4,422 |
| Tier 1 risk-based capital ratio | 17.7684% | 2,192 |
| Total risk-based capital ratio | 18.7842% | 2,249 |
| Memoranda: | ||
| Average total assets | $48,328,500 | 6,578 |
| Average earning assets | $45,019,000 | 6,525 |
| Average equity | $4,545,500 | 6,698 |
| Average total loans | $25,242,000 | 6,577 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9885% | 4,616 |
| Cost of funding earning assets | 1.3765% | 3,412 |
| Net interest margin | 3.6120% | 4,757 |
| Noninterest income to average assets | 0.5220% | 4,013 |
| Noninterest expense to average assets | 3.1342% | 3,328 |
| Loan and lease loss provision to assets | 0.2703% | 4,643 |
| Net operating income to assets | 0.4034% | 4,524 |
| Return on assets (ROA) | 0.5777% | 3,930 |
| Pretax return on assets | 0.6561% | 4,141 |
| Return on Equity (ROE) | 6.1304% | 3,557 |
| Retained earnings to average equity (ytd only) | 3.8972% | 3,140 |
| Net charge-offs to loans | 0.1790% | 5,250 |
| Credit loss provision to net charge-offs | 284.7826% | 956 |
| Earnings coverage of net charge-offs (x) | 7.6739% | 2,086 |
| Efficiency ratio | 81.1432% | 2,274 |
| Assets per employee ($millions) | 2.6822% | 6,716 |
| Cash dividends to net income (ytd only)* | 36.4286% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 5,859 |
| Loan loss allowance to noncurrent loans | 139.9015% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 6,223 |
| Noncurrent loans to loans | 0.8027% | 5,439 |
| Net loans and leases to total assets | 51.7937% | 5,943 |
| Net loans and leases to deposits | 58.0940% | 6,244 |
| Net loans and leases to core deposits | 62.8213% | 6,171 |
| Total domestic deposits to total assets | 89.1549% | 1,564 |
| Equity capital to assets | 9.2875% | 4,704 |
| Core capital (leverage) ratio | 8.8625% | 4,760 |
| Tier 1 risk-based capital ratio | 17.1062% | 2,314 |
| Total risk-based capital ratio | 18.2226% | 2,321 |
| Memoranda: | ||
| Average total assets | $48,465,800 | 6,593 |
| Average earning assets | $44,823,400 | 6,545 |
| Average equity | $4,567,400 | 6,797 |
| Average total loans | $25,703,000 | 6,626 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0341% | 4,658 |
| Cost of funding earning assets | 1.4111% | 3,515 |
| Net interest margin | 3.6230% | 4,765 |
| Noninterest income to average assets | 0.5084% | 4,112 |
| Noninterest expense to average assets | 3.0672% | 3,499 |
| Loan and lease loss provision to assets | 0.0825% | 6,217 |
| Net operating income to assets | 0.6057% | 3,858 |
| Return on assets (ROA) | 0.6459% | 3,836 |
| Pretax return on assets | 0.7503% | 4,079 |
| Return on Equity (ROE) | 6.8290% | 3,422 |
| Retained earnings to average equity (ytd only) | 6.8290% | 1,931 |
| Net charge-offs to loans | 0.0465% | 6,063 |
| Credit loss provision to net charge-offs | 333.3333% | 951 |
| Earnings coverage of net charge-offs (x) | 31.7767% | 845 |
| Efficiency ratio | 79.6006% | 2,407 |
| Assets per employee ($millions) | 2.8508% | 6,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8734% | 6,827 |
| Loan loss allowance to noncurrent loans | 88.7097% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5117% | 6,145 |
| Noncurrent loans to loans | 0.9846% | 5,269 |
| Net loans and leases to total assets | 51.5207% | 6,156 |
| Net loans and leases to deposits | 58.3442% | 6,439 |
| Net loans and leases to core deposits | 65.2631% | 6,184 |
| Total domestic deposits to total assets | 88.3047% | 1,791 |
| Equity capital to assets | 9.8712% | 4,331 |
| Core capital (leverage) ratio | 8.9718% | 4,736 |
| Tier 1 risk-based capital ratio | 18.0305% | 2,016 |
| Total risk-based capital ratio | 18.9302% | 2,083 |
| Memoranda: | ||
| Average total assets | $48,512,250 | 6,671 |
| Average earning assets | $44,786,750 | 6,627 |
| Average equity | $4,588,250 | 6,877 |
| Average total loans | $25,806,250 | 6,712 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0547% | 4,678 |
| Cost of funding earning assets | 1.4564% | 3,522 |
| Net interest margin | 3.5983% | 4,817 |
| Noninterest income to average assets | 0.4904% | 4,188 |
| Noninterest expense to average assets | 3.0539% | 3,506 |
| Loan and lease loss provision to assets | 0.0618% | 6,331 |
| Net operating income to assets | 0.5985% | 3,887 |
| Return on assets (ROA) | 0.6594% | 3,741 |
| Pretax return on assets | 0.7542% | 4,050 |
| Return on Equity (ROE) | 7.0750% | 3,269 |
| Retained earnings to average equity (ytd only) | 7.0750% | 1,801 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3688% | 2,395 |
| Assets per employee ($millions) | 2.9033% | 6,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8399% | 6,939 |
| Loan loss allowance to noncurrent loans | 93.4498% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 6,287 |
| Noncurrent loans to loans | 0.8988% | 5,477 |
| Net loans and leases to total assets | 51.1893% | 6,287 |
| Net loans and leases to deposits | 57.4361% | 6,619 |
| Net loans and leases to core deposits | 65.3602% | 6,285 |
| Total domestic deposits to total assets | 89.1239% | 1,367 |
| Equity capital to assets | 9.3484% | 4,934 |
| Core capital (leverage) ratio | 8.8652% | 4,810 |
| Tier 1 risk-based capital ratio | 17.2573% | 2,180 |
| Total risk-based capital ratio | 18.1094% | 2,286 |
| Memoranda: | ||
| Average total assets | $48,528,330 | 6,714 |
| Average earning assets | $44,632,000 | 6,675 |
| Average equity | $4,523,000 | 6,929 |
| Average total loans | $26,012,000 | 6,746 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1168% | 4,451 |
| Cost of funding earning assets | 1.5023% | 3,537 |
| Net interest margin | 3.6146% | 4,659 |
| Noninterest income to average assets | 0.4822% | 4,186 |
| Noninterest expense to average assets | 2.9929% | 3,706 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7056% | 3,417 |
| Return on assets (ROA) | 0.8314% | 2,926 |
| Pretax return on assets | 0.9311% | 3,340 |
| Return on Equity (ROE) | 8.9336% | 2,518 |
| Retained earnings to average equity (ytd only) | 8.9336% | 1,417 |
| Net charge-offs to loans | -0.0152% | 7,001 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1209% | 2,700 |
| Assets per employee ($millions) | 2.6853% | 6,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7652% | 7,211 |
| Loan loss allowance to noncurrent loans | 106.3830% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 6,498 |
| Noncurrent loans to loans | 0.7193% | 5,888 |
| Net loans and leases to total assets | 53.6588% | 6,072 |
| Net loans and leases to deposits | 60.2294% | 6,443 |
| Net loans and leases to core deposits | 68.6701% | 6,033 |
| Total domestic deposits to total assets | 89.0907% | 1,475 |
| Equity capital to assets | 9.3659% | 4,732 |
| Core capital (leverage) ratio | 8.9994% | 4,572 |
| Tier 1 risk-based capital ratio | 16.8010% | 2,343 |
| Total risk-based capital ratio | 17.5874% | 2,475 |
| Memoranda: | ||
| Average total assets | $48,114,500 | 6,800 |
| Average earning assets | $43,933,500 | 6,779 |
| Average equity | $4,477,500 | 7,010 |
| Average total loans | $26,278,500 | 6,817 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5510% | 3,865 |
| Cost of funding earning assets | 1.9282% | 3,315 |
| Net interest margin | 3.6228% | 4,461 |
| Noninterest income to average assets | 0.6573% | 3,241 |
| Noninterest expense to average assets | 3.1612% | 3,505 |
| Loan and lease loss provision to assets | 0.3070% | 4,980 |
| Net operating income to assets | 0.4822% | 3,807 |
| Return on assets (ROA) | 0.4995% | 3,829 |
| Pretax return on assets | 0.5600% | 4,021 |
| Return on Equity (ROE) | 5.3522% | 3,500 |
| Retained earnings to average equity (ytd only) | 3.8925% | 2,489 |
| Net charge-offs to loans | 0.2833% | 4,859 |
| Credit loss provision to net charge-offs | 189.3333% | 2,122 |
| Earnings coverage of net charge-offs (x) | 5.2267% | 2,655 |
| Efficiency ratio | 78.8565% | 3,066 |
| Assets per employee ($millions) | 2.6608% | 6,925 |
| Cash dividends to net income (ytd only)* | 27.2727% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7532% | 7,254 |
| Loan loss allowance to noncurrent loans | 125.1572% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 6,615 |
| Noncurrent loans to loans | 0.6018% | 6,035 |
| Net loans and leases to total assets | 54.7501% | 6,114 |
| Net loans and leases to deposits | 62.3398% | 6,429 |
| Net loans and leases to core deposits | 76.8568% | 6,346 |
| Total domestic deposits to total assets | 87.8252% | 2,062 |
| Equity capital to assets | 9.2454% | 4,779 |
| Core capital (leverage) ratio | 8.5650% | 5,162 |
| Tier 1 risk-based capital ratio | 16.2552% | 2,413 |
| Total risk-based capital ratio | 17.0301% | 2,545 |
| Memoranda: | ||
| Average total assets | $46,247,800 | 6,861 |
| Average earning assets | $42,785,000 | 6,825 |
| Average equity | $4,316,000 | 7,169 |
| Average total loans | $26,474,600 | 6,830 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5774% | 3,989 |
| Cost of funding earning assets | 1.9155% | 3,792 |
| Net interest margin | 3.6619% | 4,228 |
| Noninterest income to average assets | 0.6312% | 3,485 |
| Noninterest expense to average assets | 3.2375% | 3,166 |
| Loan and lease loss provision to assets | 0.2443% | 5,006 |
| Net operating income to assets | 0.4971% | 3,998 |
| Return on assets (ROA) | 0.5207% | 3,992 |
| Pretax return on assets | 0.5789% | 4,258 |
| Return on Equity (ROE) | 5.5658% | 3,709 |
| Retained earnings to average equity (ytd only) | 5.5658% | 2,168 |
| Net charge-offs to loans | 0.3674% | 3,813 |
| Credit loss provision to net charge-offs | 115.0685% | 4,413 |
| Earnings coverage of net charge-offs (x) | 3.7534% | 3,396 |
| Efficiency ratio | 80.2451% | 2,806 |
| Assets per employee ($millions) | 2.6950% | 6,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5548% | 7,639 |
| Loan loss allowance to noncurrent loans | 65.2968% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 6,326 |
| Noncurrent loans to loans | 0.8496% | 5,600 |
| Net loans and leases to total assets | 52.8427% | 6,521 |
| Net loans and leases to deposits | 60.8436% | 6,761 |
| Net loans and leases to core deposits | 73.9222% | 6,732 |
| Total domestic deposits to total assets | 86.8501% | 2,256 |
| Equity capital to assets | 9.1940% | 5,178 |
| Core capital (leverage) ratio | 8.6769% | 5,170 |
| Tier 1 risk-based capital ratio | 16.3873% | 2,478 |
| Total risk-based capital ratio | 16.9474% | 2,674 |
| Memoranda: | ||
| Average total assets | $45,836,250 | 6,927 |
| Average earning assets | $42,599,750 | 6,888 |
| Average equity | $4,288,000 | 7,253 |
| Average total loans | $26,488,000 | 6,882 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6874% | 3,616 |
| Cost of funding earning assets | 1.9485% | 4,011 |
| Net interest margin | 3.7390% | 3,796 |
| Noninterest income to average assets | 0.6675% | 3,211 |
| Noninterest expense to average assets | 3.3152% | 2,897 |
| Loan and lease loss provision to assets | 0.3738% | 3,688 |
| Net operating income to assets | 0.3721% | 4,612 |
| Return on assets (ROA) | 0.4049% | 4,605 |
| Pretax return on assets | 0.4939% | 4,640 |
| Return on Equity (ROE) | 4.3019% | 4,374 |
| Retained earnings to average equity (ytd only) | 4.3019% | 2,905 |
| Net charge-offs to loans | 0.5463% | 2,691 |
| Credit loss provision to net charge-offs | 115.0685% | 4,025 |
| Earnings coverage of net charge-offs (x) | 2.5479% | 3,795 |
| Efficiency ratio | 80.0215% | 3,039 |
| Assets per employee ($millions) | 2.6126% | 7,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5427% | 7,735 |
| Loan loss allowance to noncurrent loans | 148.9583% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 6,998 |
| Noncurrent loans to loans | 0.3643% | 6,600 |
| Net loans and leases to total assets | 55.7254% | 6,240 |
| Net loans and leases to deposits | 64.0389% | 6,559 |
| Net loans and leases to core deposits | 75.9550% | 6,677 |
| Total domestic deposits to total assets | 87.0181% | 2,247 |
| Equity capital to assets | 9.0374% | 5,260 |
| Core capital (leverage) ratio | 8.7419% | 5,018 |
| Tier 1 risk-based capital ratio | 16.3540% | 2,500 |
| Total risk-based capital ratio | 16.9248% | 2,673 |
| Memoranda: | ||
| Average total assets | $44,945,000 | 7,024 |
| Average earning assets | $41,776,330 | 6,976 |
| Average equity | $4,230,670 | 7,326 |
| Average total loans | $26,725,000 | 6,929 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9953% | 2,390 |
| Cost of funding earning assets | 1.9492% | 4,382 |
| Net interest margin | 4.0461% | 2,468 |
| Noninterest income to average assets | 0.6378% | 3,289 |
| Noninterest expense to average assets | 3.1432% | 3,222 |
| Loan and lease loss provision to assets | 0.3644% | 3,136 |
| Net operating income to assets | 0.6979% | 3,570 |
| Return on assets (ROA) | 0.7198% | 3,661 |
| Pretax return on assets | 0.9020% | 3,706 |
| Return on Equity (ROE) | 7.4864% | 3,390 |
| Retained earnings to average equity (ytd only) | 7.4864% | 2,030 |
| Net charge-offs to loans | 0.0743% | 4,441 |
| Credit loss provision to net charge-offs | 800.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 27.2000% | 1,144 |
| Efficiency ratio | 71.7256% | 4,234 |
| Assets per employee ($millions) | 2.6796% | 6,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6300% | 7,610 |
| Loan loss allowance to noncurrent loans | 126.5152% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.6959% | 5,418 |
| Noncurrent loans to loans | 0.4979% | 6,182 |
| Net loans and leases to total assets | 57.8281% | 5,968 |
| Net loans and leases to deposits | 66.8944% | 6,286 |
| Net loans and leases to core deposits | 78.7134% | 6,483 |
| Total domestic deposits to total assets | 86.4469% | 2,482 |
| Equity capital to assets | 9.3515% | 4,862 |
| Core capital (leverage) ratio | 9.3712% | 4,142 |
| Tier 1 risk-based capital ratio | 16.1271% | 2,643 |
| Total risk-based capital ratio | 16.7864% | 2,771 |
| Memoranda: | ||
| Average total assets | $43,904,000 | 7,108 |
| Average earning assets | $40,631,500 | 7,073 |
| Average equity | $4,221,000 | 7,375 |
| Average total loans | $26,913,000 | 6,942 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4058% | 3,388 |
| Cost of funding earning assets | 2.3821% | 4,800 |
| Net interest margin | 4.0237% | 3,010 |
| Noninterest income to average assets | 0.3925% | 5,535 |
| Noninterest expense to average assets | 3.4306% | 2,578 |
| Loan and lease loss provision to assets | 0.1064% | 6,015 |
| Net operating income to assets | 0.4874% | 4,796 |
| Return on assets (ROA) | 0.4894% | 4,613 |
| Pretax return on assets | 0.5840% | 4,744 |
| Return on Equity (ROE) | 5.0958% | 4,335 |
| Retained earnings to average equity (ytd only) | 3.3726% | 3,056 |
| Net charge-offs to loans | 0.1793% | 4,404 |
| Credit loss provision to net charge-offs | 93.7500% | 5,576 |
| Earnings coverage of net charge-offs (x) | 6.0625% | 3,453 |
| Efficiency ratio | 83.2951% | 2,140 |
| Assets per employee ($millions) | 2.4855% | 7,223 |
| Cash dividends to net income (ytd only)* | 33.8164% | 3,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4832% | 7,871 |
| Loan loss allowance to noncurrent loans | 600.0000% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 5,737 |
| Noncurrent loans to loans | 0.0805% | 7,180 |
| Net loans and leases to total assets | 64.3347% | 5,202 |
| Net loans and leases to deposits | 75.1853% | 5,708 |
| Net loans and leases to core deposits | 91.0900% | 5,711 |
| Total domestic deposits to total assets | 85.5682% | 2,599 |
| Equity capital to assets | 9.8973% | 4,161 |
| Core capital (leverage) ratio | 9.4242% | 4,123 |
| Tier 1 risk-based capital ratio | 15.9017% | 2,704 |
| Total risk-based capital ratio | 16.4258% | 2,889 |
| Memoranda: | ||
| Average total assets | $42,295,400 | 7,116 |
| Average earning assets | $39,167,600 | 7,075 |
| Average equity | $4,062,200 | 7,491 |
| Average total loans | $26,775,600 | 6,914 |