Home > The Peoples Bank > Performance and Condition Ratios
The Peoples Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9391% | 1,270 |
| Cost of funding earning assets | 1.9569% | 2,053 |
| Net interest margin | 3.9822% | 1,327 |
| Noninterest income to average assets | 0.4300% | 2,064 |
| Noninterest expense to average assets | 3.2388% | 833 |
| Loan and lease loss provision to assets | 0.1800% | 680 |
| Net operating income to assets | 0.5735% | 3,409 |
| Return on assets (ROA) | 0.5735% | 3,424 |
| Pretax return on assets | 0.7935% | 3,204 |
| Return on Equity (ROE) | 6.4800% | 3,245 |
| Retained earnings to average equity (ytd only) | 6.4772% | 2,147 |
| Net charge-offs to loans | 0.1102% | 777 |
| Credit loss provision to net charge-offs | 238.0952% | 818 |
| Earnings coverage of net charge-offs (x) | 12.8571% | 1,613 |
| Efficiency ratio | 76.3699% | 1,214 |
| Assets per employee ($millions) | 4.1087% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8779% | 3,654 |
| Loan loss allowance to noncurrent loans | 369.7802% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.7906% | 962 |
| Noncurrent loans to loans | 0.2374% | 2,645 |
| Net loans and leases to total assets | 68.5000% | 2,019 |
| Net loans and leases to deposits | 76.3990% | 2,367 |
| Net loans and leases to core deposits | 86.1156% | 2,317 |
| Total domestic deposits to total assets | 89.6600% | 928 |
| Equity capital to assets | 9.0197% | 2,918 |
| Core capital (leverage) ratio | 10.3490% | 2,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $110,906,000 | 3,688 |
| Average earning assets | $105,268,500 | 3,656 |
| Average equity | $9,819,000 | 3,802 |
| Average total loans | $76,254,000 | 3,491 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8424% | 1,522 |
| Cost of funding earning assets | 2.1182% | 1,941 |
| Net interest margin | 3.7242% | 1,640 |
| Noninterest income to average assets | 0.4100% | 2,407 |
| Noninterest expense to average assets | 3.3230% | 736 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 0.3367% | 3,779 |
| Return on assets (ROA) | 0.3367% | 3,807 |
| Pretax return on assets | 0.4991% | 3,649 |
| Return on Equity (ROE) | 3.9800% | 3,708 |
| Retained earnings to average equity (ytd only) | 3.1137% | 2,998 |
| Net charge-offs to loans | 0.2756% | 547 |
| Credit loss provision to net charge-offs | 130.3318% | 1,558 |
| Earnings coverage of net charge-offs (x) | 3.3460% | 2,759 |
| Efficiency ratio | 83.3104% | 837 |
| Assets per employee ($millions) | 3.4649% | 4,222 |
| Cash dividends to net income (ytd only)* | 21.8329% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8491% | 3,768 |
| Loan loss allowance to noncurrent loans | 423.6842% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.7639% | 965 |
| Noncurrent loans to loans | 0.2004% | 2,719 |
| Net loans and leases to total assets | 67.8200% | 2,162 |
| Net loans and leases to deposits | 75.3077% | 2,530 |
| Net loans and leases to core deposits | 84.4678% | 2,476 |
| Total domestic deposits to total assets | 90.0600% | 800 |
| Equity capital to assets | 8.5690% | 3,140 |
| Core capital (leverage) ratio | 10.0118% | 2,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $110,200,200 | 3,696 |
| Average earning assets | $105,231,200 | 3,650 |
| Average equity | $9,313,600 | 3,828 |
| Average total loans | $76,568,200 | 3,470 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7708% | 1,599 |
| Cost of funding earning assets | 2.1075% | 1,959 |
| Net interest margin | 3.6633% | 1,717 |
| Noninterest income to average assets | 0.4400% | 2,183 |
| Noninterest expense to average assets | 3.1893% | 849 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 0.5465% | 3,365 |
| Return on assets (ROA) | 0.5465% | 3,387 |
| Pretax return on assets | 0.6737% | 3,326 |
| Return on Equity (ROE) | 6.4900% | 3,191 |
| Retained earnings to average equity (ytd only) | 6.4890% | 1,918 |
| Net charge-offs to loans | 0.1459% | 754 |
| Credit loss provision to net charge-offs | 75.0000% | 1,889 |
| Earnings coverage of net charge-offs (x) | 7.3690% | 2,268 |
| Efficiency ratio | 80.4368% | 1,049 |
| Assets per employee ($millions) | 3.4398% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 3,745 |
| Loan loss allowance to noncurrent loans | 63.8498% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.9675% | 688 |
| Noncurrent loans to loans | 1.3669% | 723 |
| Net loans and leases to total assets | 70.1700% | 1,832 |
| Net loans and leases to deposits | 78.2941% | 2,331 |
| Net loans and leases to core deposits | 87.5143% | 2,319 |
| Total domestic deposits to total assets | 89.6200% | 702 |
| Equity capital to assets | 9.0458% | 3,001 |
| Core capital (leverage) ratio | 10.3395% | 2,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $110,031,250 | 3,704 |
| Average earning assets | $105,147,250 | 3,667 |
| Average equity | $9,266,750 | 3,848 |
| Average total loans | $76,749,250 | 3,472 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6072% | 1,761 |
| Cost of funding earning assets | 2.0189% | 2,078 |
| Net interest margin | 3.5883% | 1,807 |
| Noninterest income to average assets | 0.4400% | 2,147 |
| Noninterest expense to average assets | 3.2068% | 817 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 0.4727% | 3,503 |
| Return on assets (ROA) | 0.4727% | 3,538 |
| Pretax return on assets | 0.5945% | 3,458 |
| Return on Equity (ROE) | 5.7500% | 3,348 |
| Retained earnings to average equity (ytd only) | 5.7543% | 2,102 |
| Net charge-offs to loans | 0.1231% | 773 |
| Credit loss provision to net charge-offs | 76.5957% | 1,681 |
| Earnings coverage of net charge-offs (x) | 7.7234% | 2,091 |
| Efficiency ratio | 82.4165% | 959 |
| Assets per employee ($millions) | 3.5185% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7437% | 4,047 |
| Loan loss allowance to noncurrent loans | 202.1277% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.2505% | 2,179 |
| Noncurrent loans to loans | 0.3680% | 2,088 |
| Net loans and leases to total assets | 67.5600% | 2,173 |
| Net loans and leases to deposits | 74.7712% | 2,641 |
| Net loans and leases to core deposits | 84.9394% | 2,466 |
| Total domestic deposits to total assets | 90.3600% | 607 |
| Equity capital to assets | 8.1889% | 3,311 |
| Core capital (leverage) ratio | 10.1585% | 2,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $110,017,333 | 3,718 |
| Average earning assets | $105,007,000 | 3,678 |
| Average equity | $9,036,667 | 3,861 |
| Average total loans | $76,361,000 | 3,483 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5083% | 1,794 |
| Cost of funding earning assets | 1.9532% | 2,113 |
| Net interest margin | 3.5551% | 1,798 |
| Noninterest income to average assets | 0.4500% | 2,013 |
| Noninterest expense to average assets | 3.2300% | 798 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 0.4047% | 3,607 |
| Return on assets (ROA) | 0.4047% | 3,627 |
| Pretax return on assets | 0.5187% | 3,535 |
| Return on Equity (ROE) | 4.9200% | 3,472 |
| Retained earnings to average equity (ytd only) | 4.9189% | 2,432 |
| Net charge-offs to loans | 0.3254% | 282 |
| Credit loss provision to net charge-offs | 37.0968% | 1,451 |
| Earnings coverage of net charge-offs (x) | 2.6452% | 1,979 |
| Efficiency ratio | 83.6852% | 935 |
| Assets per employee ($millions) | 3.3860% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 4,105 |
| Loan loss allowance to noncurrent loans | 50.9398% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.9820% | 598 |
| Noncurrent loans to loans | 1.3873% | 590 |
| Net loans and leases to total assets | 70.2800% | 1,777 |
| Net loans and leases to deposits | 77.8347% | 2,251 |
| Net loans and leases to core deposits | 87.7321% | 2,192 |
| Total domestic deposits to total assets | 90.3000% | 699 |
| Equity capital to assets | 8.2500% | 3,201 |
| Core capital (leverage) ratio | 10.1994% | 2,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $108,730,500 | 3,747 |
| Average earning assets | $103,624,500 | 3,713 |
| Average equity | $8,945,000 | 3,890 |
| Average total loans | $76,221,500 | 3,489 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2075% | 1,642 |
| Cost of funding earning assets | 1.3862% | 2,267 |
| Net interest margin | 3.8214% | 1,534 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 3.4118% | 644 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 0.3151% | 4,004 |
| Return on assets (ROA) | 0.3151% | 4,004 |
| Pretax return on assets | 0.3932% | 3,974 |
| Return on Equity (ROE) | 3.8900% | 3,903 |
| Retained earnings to average equity (ytd only) | 0.5921% | 3,935 |
| Net charge-offs to loans | 0.5689% | 174 |
| Credit loss provision to net charge-offs | 71.4964% | 2,075 |
| Earnings coverage of net charge-offs (x) | 1.7078% | 2,746 |
| Efficiency ratio | 82.9268% | 725 |
| Assets per employee ($millions) | 3.4097% | 4,310 |
| Cash dividends to net income (ytd only)* | 84.7761% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7670% | 4,033 |
| Loan loss allowance to noncurrent loans | 50.3903% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.0567% | 453 |
| Noncurrent loans to loans | 1.5222% | 446 |
| Net loans and leases to total assets | 68.8900% | 1,934 |
| Net loans and leases to deposits | 76.0879% | 2,445 |
| Net loans and leases to core deposits | 85.3895% | 2,348 |
| Total domestic deposits to total assets | 90.5400% | 622 |
| Equity capital to assets | 8.2037% | 3,274 |
| Core capital (leverage) ratio | 10.0094% | 2,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $106,307,200 | 3,769 |
| Average earning assets | $100,854,200 | 3,737 |
| Average equity | $8,613,400 | 3,865 |
| Average total loans | $74,005,200 | 3,493 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1375% | 1,563 |
| Cost of funding earning assets | 1.2551% | 2,267 |
| Net interest margin | 3.8824% | 1,437 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 3.4643% | 576 |
| Loan and lease loss provision to assets | 0.2900% | 324 |
| Net operating income to assets | 0.2361% | 4,196 |
| Return on assets (ROA) | 0.2361% | 4,210 |
| Pretax return on assets | 0.3737% | 4,091 |
| Return on Equity (ROE) | 2.9200% | 4,105 |
| Retained earnings to average equity (ytd only) | -1.5164% | 4,291 |
| Net charge-offs to loans | 0.4060% | 209 |
| Credit loss provision to net charge-offs | 100.8929% | 1,611 |
| Earnings coverage of net charge-offs (x) | 2.3304% | 2,488 |
| Efficiency ratio | 83.4966% | 642 |
| Assets per employee ($millions) | 3.1602% | 4,375 |
| Cash dividends to net income (ytd only)* | 151.8717% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9317% | 3,624 |
| Loan loss allowance to noncurrent loans | 232.0132% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 1,877 |
| Noncurrent loans to loans | 0.4016% | 1,824 |
| Net loans and leases to total assets | 69.5700% | 1,879 |
| Net loans and leases to deposits | 76.4605% | 2,380 |
| Net loans and leases to core deposits | 85.8944% | 2,194 |
| Total domestic deposits to total assets | 90.9800% | 679 |
| Equity capital to assets | 7.6856% | 3,252 |
| Core capital (leverage) ratio | 10.1512% | 2,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $105,606,750 | 3,791 |
| Average earning assets | $100,072,250 | 3,758 |
| Average equity | $8,529,000 | 3,877 |
| Average total loans | $73,570,000 | 3,506 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0527% | 1,459 |
| Cost of funding earning assets | 1.0998% | 2,282 |
| Net interest margin | 3.9529% | 1,321 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 3.5023% | 537 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.4799% | 3,849 |
| Return on assets (ROA) | 0.4799% | 3,859 |
| Pretax return on assets | 0.6247% | 3,747 |
| Return on Equity (ROE) | 5.7900% | 3,735 |
| Retained earnings to average equity (ytd only) | -0.7358% | 4,188 |
| Net charge-offs to loans | 0.0055% | 2,054 |
| Credit loss provision to net charge-offs | 1,150.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 175.5000% | 677 |
| Efficiency ratio | 83.4703% | 626 |
| Assets per employee ($millions) | 3.0611% | 4,426 |
| Cash dividends to net income (ytd only)* | 112.6984% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 3,719 |
| Loan loss allowance to noncurrent loans | 117.8082% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.5611% | 970 |
| Noncurrent loans to loans | 0.7804% | 974 |
| Net loans and leases to total assets | 71.2400% | 1,614 |
| Net loans and leases to deposits | 78.6102% | 2,080 |
| Net loans and leases to core deposits | 88.0410% | 1,926 |
| Total domestic deposits to total assets | 90.6200% | 752 |
| Equity capital to assets | 8.2889% | 3,030 |
| Core capital (leverage) ratio | 10.5341% | 2,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $105,017,000 | 3,814 |
| Average earning assets | $99,472,000 | 3,780 |
| Average equity | $8,698,333 | 3,877 |
| Average total loans | $72,943,333 | 3,520 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9314% | 1,360 |
| Cost of funding earning assets | 0.9486% | 2,220 |
| Net interest margin | 3.9827% | 1,294 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 3.6100% | 479 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.3602% | 4,153 |
| Return on assets (ROA) | 0.3602% | 4,105 |
| Pretax return on assets | 0.4854% | 4,010 |
| Return on Equity (ROE) | 4.3500% | 3,983 |
| Retained earnings to average equity (ytd only) | -2.1525% | 4,213 |
| Net charge-offs to loans | 0.0167% | 1,351 |
| Credit loss provision to net charge-offs | 366.6667% | 634 |
| Earnings coverage of net charge-offs (x) | 46.3333% | 1,127 |
| Efficiency ratio | 86.7094% | 478 |
| Assets per employee ($millions) | 3.0446% | 4,496 |
| Cash dividends to net income (ytd only)* | 149.4737% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 3,765 |
| Loan loss allowance to noncurrent loans | 94.5378% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.6897% | 715 |
| Noncurrent loans to loans | 0.9882% | 738 |
| Net loans and leases to total assets | 69.1500% | 1,713 |
| Net loans and leases to deposits | 76.4001% | 2,081 |
| Net loans and leases to core deposits | 85.6374% | 1,886 |
| Total domestic deposits to total assets | 90.5100% | 975 |
| Equity capital to assets | 8.5261% | 2,874 |
| Core capital (leverage) ratio | 10.3595% | 2,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $105,486,000 | 3,863 |
| Average earning assets | $99,932,000 | 3,823 |
| Average equity | $8,734,000 | 3,920 |
| Average total loans | $72,000,000 | 3,573 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1785% | 1,290 |
| Cost of funding earning assets | 0.4341% | 1,828 |
| Net interest margin | 3.7444% | 1,277 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.9551% | 1,032 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.7683% | 3,425 |
| Return on assets (ROA) | 0.7829% | 3,320 |
| Pretax return on assets | 1.0479% | 2,925 |
| Return on Equity (ROE) | 9.7900% | 2,874 |
| Retained earnings to average equity (ytd only) | 7.9721% | 1,843 |
| Net charge-offs to loans | -0.0100% | 3,829 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.0769% | 1,313 |
| Assets per employee ($millions) | 3.5818% | 4,422 |
| Cash dividends to net income (ytd only)* | 18.6099% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 3,673 |
| Loan loss allowance to noncurrent loans | 155.4779% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 1,282 |
| Noncurrent loans to loans | 0.5980% | 1,255 |
| Net loans and leases to total assets | 66.1500% | 2,025 |
| Net loans and leases to deposits | 72.5308% | 2,369 |
| Net loans and leases to core deposits | 81.0763% | 2,069 |
| Total domestic deposits to total assets | 91.2000% | 876 |
| Equity capital to assets | 8.0424% | 3,037 |
| Core capital (leverage) ratio | 9.9762% | 2,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $113,939,600 | 3,791 |
| Average earning assets | $108,508,800 | 3,737 |
| Average equity | $9,106,800 | 3,981 |
| Average total loans | $69,980,400 | 3,578 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0093% | 1,250 |
| Cost of funding earning assets | 0.3833% | 1,414 |
| Net interest margin | 3.6260% | 1,332 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.8417% | 1,165 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7943% | 3,287 |
| Return on assets (ROA) | 0.8134% | 3,165 |
| Pretax return on assets | 1.0511% | 2,874 |
| Return on Equity (ROE) | 10.1900% | 2,667 |
| Retained earnings to average equity (ytd only) | 7.7919% | 2,086 |
| Net charge-offs to loans | -0.0115% | 3,759 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.3669% | 1,466 |
| Assets per employee ($millions) | 3.6460% | 4,448 |
| Cash dividends to net income (ytd only)* | 23.5461% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 3,877 |
| Loan loss allowance to noncurrent loans | 581.4159% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 2,926 |
| Noncurrent loans to loans | 0.1538% | 2,840 |
| Net loans and leases to total assets | 66.5700% | 1,827 |
| Net loans and leases to deposits | 72.6700% | 2,160 |
| Net loans and leases to core deposits | 81.6238% | 1,791 |
| Total domestic deposits to total assets | 91.6100% | 1,006 |
| Equity capital to assets | 7.6532% | 3,124 |
| Core capital (leverage) ratio | 9.4647% | 3,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $115,560,750 | 3,796 |
| Average earning assets | $110,274,500 | 3,748 |
| Average equity | $9,223,000 | 4,013 |
| Average total loans | $69,539,250 | 3,597 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7690% | 1,373 |
| Cost of funding earning assets | 0.3861% | 1,016 |
| Net interest margin | 3.3828% | 1,657 |
| Noninterest income to average assets | 0.4268% | 2,586 |
| Noninterest expense to average assets | 2.7648% | 1,234 |
| Loan and lease loss provision to assets | 0.0306% | 2,042 |
| Net operating income to assets | 0.6638% | 3,432 |
| Return on assets (ROA) | 0.6921% | 3,289 |
| Pretax return on assets | 0.8995% | 3,065 |
| Return on Equity (ROE) | 8.5621% | 2,844 |
| Retained earnings to average equity (ytd only) | 8.5621% | 1,411 |
| Net charge-offs to loans | -0.0117% | 3,637 |
| Credit loss provision to net charge-offs | -450.0000% | 3,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0465% | 1,384 |
| Assets per employee ($millions) | 3.7410% | 4,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9142% | 3,915 |
| Loan loss allowance to noncurrent loans | 566.6667% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 3,018 |
| Noncurrent loans to loans | 0.1613% | 2,888 |
| Net loans and leases to total assets | 60.3766% | 2,286 |
| Net loans and leases to deposits | 65.9229% | 2,549 |
| Net loans and leases to core deposits | 73.3155% | 2,221 |
| Total domestic deposits to total assets | 91.5868% | 1,005 |
| Equity capital to assets | 7.7622% | 3,298 |
| Core capital (leverage) ratio | 8.9965% | 3,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,621,333 | 3,818 |
| Average earning assets | $112,392,000 | 3,781 |
| Average equity | $9,507,000 | 4,047 |
| Average total loans | $68,227,000 | 3,650 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6147% | 1,464 |
| Cost of funding earning assets | 0.3914% | 917 |
| Net interest margin | 3.2233% | 1,809 |
| Noninterest income to average assets | 0.4255% | 2,525 |
| Noninterest expense to average assets | 2.7658% | 1,224 |
| Loan and lease loss provision to assets | 0.0304% | 1,823 |
| Net operating income to assets | 0.5119% | 3,680 |
| Return on assets (ROA) | 0.5572% | 3,510 |
| Pretax return on assets | 0.7733% | 3,191 |
| Return on Equity (ROE) | 6.7626% | 3,112 |
| Retained earnings to average equity (ytd only) | 6.7626% | 1,975 |
| Net charge-offs to loans | -0.0179% | 3,854 |
| Credit loss provision to net charge-offs | -300.0000% | 3,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1731% | 1,299 |
| Assets per employee ($millions) | 4.1192% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9335% | 3,948 |
| Loan loss allowance to noncurrent loans | 278.9474% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 2,485 |
| Noncurrent loans to loans | 0.3347% | 2,286 |
| Net loans and leases to total assets | 56.5002% | 2,481 |
| Net loans and leases to deposits | 61.6958% | 2,741 |
| Net loans and leases to core deposits | 68.6180% | 2,402 |
| Total domestic deposits to total assets | 91.5786% | 763 |
| Equity capital to assets | 7.8412% | 3,690 |
| Core capital (leverage) ratio | 8.7202% | 3,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,446,000 | 3,834 |
| Average earning assets | $113,425,000 | 3,791 |
| Average equity | $9,759,500 | 4,085 |
| Average total loans | $67,007,500 | 3,683 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7714% | 1,935 |
| Cost of funding earning assets | 0.5419% | 746 |
| Net interest margin | 3.2295% | 2,517 |
| Noninterest income to average assets | 0.4207% | 2,940 |
| Noninterest expense to average assets | 2.7828% | 1,400 |
| Loan and lease loss provision to assets | 0.0317% | 2,414 |
| Net operating income to assets | 0.5201% | 4,035 |
| Return on assets (ROA) | 0.5201% | 4,084 |
| Pretax return on assets | 0.7005% | 3,927 |
| Return on Equity (ROE) | 6.0690% | 3,761 |
| Retained earnings to average equity (ytd only) | 4.8367% | 2,845 |
| Net charge-offs to loans | 0.0399% | 1,460 |
| Credit loss provision to net charge-offs | 138.4615% | 1,541 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,562 |
| Efficiency ratio | 78.5929% | 896 |
| Assets per employee ($millions) | 3.7882% | 4,500 |
| Cash dividends to net income (ytd only)* | 20.3046% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 3,946 |
| Loan loss allowance to noncurrent loans | 605.8252% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 3,326 |
| Noncurrent loans to loans | 0.1563% | 3,150 |
| Net loans and leases to total assets | 55.5725% | 2,667 |
| Net loans and leases to deposits | 61.1849% | 2,972 |
| Net loans and leases to core deposits | 68.6705% | 2,589 |
| Total domestic deposits to total assets | 90.8272% | 569 |
| Equity capital to assets | 8.6449% | 3,941 |
| Core capital (leverage) ratio | 8.6066% | 3,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,627,200 | 3,861 |
| Average earning assets | $108,872,400 | 3,823 |
| Average equity | $9,738,000 | 4,162 |
| Average total loans | $65,120,600 | 3,739 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8157% | 1,984 |
| Cost of funding earning assets | 0.5620% | 780 |
| Net interest margin | 3.2537% | 2,569 |
| Noninterest income to average assets | 0.4094% | 3,038 |
| Noninterest expense to average assets | 2.7737% | 1,398 |
| Loan and lease loss provision to assets | 0.0320% | 2,356 |
| Net operating income to assets | 0.5195% | 4,166 |
| Return on assets (ROA) | 0.5195% | 4,211 |
| Pretax return on assets | 0.7206% | 4,031 |
| Return on Equity (ROE) | 6.0752% | 3,889 |
| Retained earnings to average equity (ytd only) | 4.4146% | 3,441 |
| Net charge-offs to loans | 0.0431% | 1,245 |
| Credit loss provision to net charge-offs | 128.5714% | 1,425 |
| Earnings coverage of net charge-offs (x) | 30.2857% | 1,518 |
| Efficiency ratio | 78.0872% | 867 |
| Assets per employee ($millions) | 3.9724% | 4,467 |
| Cash dividends to net income (ytd only)* | 27.3349% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 3,927 |
| Loan loss allowance to noncurrent loans | 257.2614% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 2,731 |
| Noncurrent loans to loans | 0.3790% | 2,422 |
| Net loans and leases to total assets | 54.6545% | 2,886 |
| Net loans and leases to deposits | 60.3310% | 3,201 |
| Net loans and leases to core deposits | 67.1502% | 2,841 |
| Total domestic deposits to total assets | 90.5911% | 512 |
| Equity capital to assets | 8.8099% | 3,992 |
| Core capital (leverage) ratio | 8.6895% | 3,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,675,500 | 3,915 |
| Average earning assets | $107,936,500 | 3,876 |
| Average equity | $9,634,500 | 4,233 |
| Average total loans | $64,929,500 | 3,791 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8579% | 1,926 |
| Cost of funding earning assets | 0.5767% | 830 |
| Net interest margin | 3.2812% | 2,510 |
| Noninterest income to average assets | 0.4185% | 3,014 |
| Noninterest expense to average assets | 2.7416% | 1,478 |
| Loan and lease loss provision to assets | 0.0322% | 2,340 |
| Net operating income to assets | 0.5598% | 4,073 |
| Return on assets (ROA) | 0.5598% | 4,127 |
| Pretax return on assets | 0.7887% | 3,892 |
| Return on Equity (ROE) | 6.6152% | 3,751 |
| Retained earnings to average equity (ytd only) | 4.0790% | 3,494 |
| Net charge-offs to loans | 0.0673% | 952 |
| Credit loss provision to net charge-offs | 81.8182% | 1,480 |
| Earnings coverage of net charge-offs (x) | 20.8636% | 1,518 |
| Efficiency ratio | 76.4056% | 1,045 |
| Assets per employee ($millions) | 3.7917% | 4,555 |
| Cash dividends to net income (ytd only)* | 38.3387% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 3,910 |
| Loan loss allowance to noncurrent loans | 163.5389% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.3279% | 2,282 |
| Noncurrent loans to loans | 0.5951% | 1,918 |
| Net loans and leases to total assets | 54.5662% | 3,070 |
| Net loans and leases to deposits | 59.9637% | 3,393 |
| Net loans and leases to core deposits | 67.2310% | 3,018 |
| Total domestic deposits to total assets | 90.9987% | 377 |
| Equity capital to assets | 8.3982% | 4,283 |
| Core capital (leverage) ratio | 8.2346% | 4,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,834,000 | 3,949 |
| Average earning assets | $107,157,333 | 3,904 |
| Average equity | $9,463,000 | 4,267 |
| Average total loans | $65,378,667 | 3,807 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 1,500 |
| Cost of funding earning assets | 0.5950% | 887 |
| Net interest margin | 3.4611% | 1,932 |
| Noninterest income to average assets | 0.4473% | 2,840 |
| Noninterest expense to average assets | 2.7707% | 1,428 |
| Loan and lease loss provision to assets | 0.0325% | 2,342 |
| Net operating income to assets | 0.7035% | 3,695 |
| Return on assets (ROA) | 0.7035% | 3,758 |
| Pretax return on assets | 0.9596% | 3,477 |
| Return on Equity (ROE) | 8.2820% | 3,246 |
| Retained earnings to average equity (ytd only) | 3.1854% | 3,723 |
| Net charge-offs to loans | 0.0599% | 925 |
| Credit loss provision to net charge-offs | 90.0000% | 1,169 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 1,131 |
| Efficiency ratio | 73.0585% | 1,398 |
| Assets per employee ($millions) | 3.8816% | 4,546 |
| Cash dividends to net income (ytd only)* | 61.5385% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9348% | 4,062 |
| Loan loss allowance to noncurrent loans | 414.1892% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 3,519 |
| Noncurrent loans to loans | 0.2257% | 3,291 |
| Net loans and leases to total assets | 57.7124% | 2,830 |
| Net loans and leases to deposits | 63.3647% | 3,181 |
| Net loans and leases to core deposits | 70.9253% | 2,790 |
| Total domestic deposits to total assets | 91.0798% | 375 |
| Equity capital to assets | 8.3809% | 4,210 |
| Core capital (leverage) ratio | 8.3313% | 4,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,876,000 | 3,966 |
| Average earning assets | $106,210,500 | 3,919 |
| Average equity | $9,418,000 | 4,280 |
| Average total loans | $66,728,500 | 3,800 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5331% | 1,229 |
| Cost of funding earning assets | 0.8630% | 982 |
| Net interest margin | 3.6701% | 1,910 |
| Noninterest income to average assets | 0.4635% | 2,798 |
| Noninterest expense to average assets | 3.0032% | 1,431 |
| Loan and lease loss provision to assets | 0.0364% | 3,958 |
| Net operating income to assets | 0.6779% | 3,500 |
| Return on assets (ROA) | 0.7513% | 3,386 |
| Pretax return on assets | 1.0038% | 3,035 |
| Return on Equity (ROE) | 8.2443% | 2,714 |
| Retained earnings to average equity (ytd only) | 5.5849% | 2,004 |
| Net charge-offs to loans | 0.0295% | 2,439 |
| Credit loss provision to net charge-offs | 180.0000% | 2,264 |
| Earnings coverage of net charge-offs (x) | 46.9000% | 1,262 |
| Efficiency ratio | 75.4601% | 1,293 |
| Assets per employee ($millions) | 3.6396% | 4,587 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9045% | 4,176 |
| Loan loss allowance to noncurrent loans | 438.5714% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 3,644 |
| Noncurrent loans to loans | 0.2062% | 3,465 |
| Net loans and leases to total assets | 61.6062% | 2,655 |
| Net loans and leases to deposits | 67.7859% | 3,100 |
| Net loans and leases to core deposits | 76.3866% | 2,698 |
| Total domestic deposits to total assets | 90.8835% | 253 |
| Equity capital to assets | 8.6109% | 4,363 |
| Core capital (leverage) ratio | 8.4523% | 4,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,026,400 | 4,012 |
| Average earning assets | $94,085,600 | 3,972 |
| Average equity | $9,024,400 | 4,316 |
| Average total loans | $67,830,000 | 3,777 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6956% | 1,077 |
| Cost of funding earning assets | 0.9181% | 1,005 |
| Net interest margin | 3.7774% | 1,689 |
| Noninterest income to average assets | 0.4560% | 2,814 |
| Noninterest expense to average assets | 3.1106% | 1,218 |
| Loan and lease loss provision to assets | 0.0373% | 3,887 |
| Net operating income to assets | 0.6085% | 3,736 |
| Return on assets (ROA) | 0.7089% | 3,535 |
| Pretax return on assets | 1.0170% | 3,008 |
| Return on Equity (ROE) | 7.6594% | 2,937 |
| Retained earnings to average equity (ytd only) | 5.8677% | 2,162 |
| Net charge-offs to loans | 0.0374% | 2,096 |
| Credit loss provision to net charge-offs | 142.1053% | 2,372 |
| Earnings coverage of net charge-offs (x) | 35.3158% | 1,455 |
| Efficiency ratio | 76.4545% | 1,168 |
| Assets per employee ($millions) | 3.6458% | 4,584 |
| Cash dividends to net income (ytd only)* | 23.3918% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8700% | 4,157 |
| Loan loss allowance to noncurrent loans | 505.0000% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 3,841 |
| Noncurrent loans to loans | 0.1723% | 3,693 |
| Net loans and leases to total assets | 67.6371% | 2,291 |
| Net loans and leases to deposits | 74.9181% | 2,861 |
| Net loans and leases to core deposits | 85.3875% | 2,351 |
| Total domestic deposits to total assets | 90.2814% | 335 |
| Equity capital to assets | 9.0632% | 4,067 |
| Core capital (leverage) ratio | 8.8628% | 3,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,486,250 | 4,039 |
| Average earning assets | $91,488,250 | 4,002 |
| Average equity | $8,930,000 | 4,336 |
| Average total loans | $67,817,500 | 3,793 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9192% | 941 |
| Cost of funding earning assets | 0.9508% | 1,146 |
| Net interest margin | 3.9684% | 1,404 |
| Noninterest income to average assets | 0.4397% | 2,861 |
| Noninterest expense to average assets | 3.1769% | 1,199 |
| Loan and lease loss provision to assets | 0.0380% | 3,801 |
| Net operating income to assets | 0.6803% | 3,463 |
| Return on assets (ROA) | 0.8222% | 3,083 |
| Pretax return on assets | 1.1625% | 2,484 |
| Return on Equity (ROE) | 8.8182% | 2,441 |
| Retained earnings to average equity (ytd only) | 6.0979% | 2,034 |
| Net charge-offs to loans | 0.0327% | 2,077 |
| Credit loss provision to net charge-offs | 163.6364% | 2,065 |
| Earnings coverage of net charge-offs (x) | 43.9091% | 1,182 |
| Efficiency ratio | 75.1259% | 1,357 |
| Assets per employee ($millions) | 3.4089% | 4,705 |
| Cash dividends to net income (ytd only)* | 30.8483% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 4,077 |
| Loan loss allowance to noncurrent loans | 197.7124% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 3,112 |
| Noncurrent loans to loans | 0.4457% | 2,819 |
| Net loans and leases to total assets | 66.5444% | 2,551 |
| Net loans and leases to deposits | 73.9024% | 3,084 |
| Net loans and leases to core deposits | 83.9259% | 2,611 |
| Total domestic deposits to total assets | 90.0437% | 389 |
| Equity capital to assets | 8.8181% | 4,245 |
| Core capital (leverage) ratio | 9.0310% | 3,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,620,667 | 4,060 |
| Average earning assets | $89,607,667 | 4,029 |
| Average equity | $8,822,667 | 4,358 |
| Average total loans | $67,206,000 | 3,807 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0280% | 914 |
| Cost of funding earning assets | 0.9795% | 1,510 |
| Net interest margin | 4.0485% | 1,257 |
| Noninterest income to average assets | 0.4494% | 2,792 |
| Noninterest expense to average assets | 3.3481% | 1,144 |
| Loan and lease loss provision to assets | 0.0396% | 3,279 |
| Net operating income to assets | 0.6117% | 3,566 |
| Return on assets (ROA) | 0.9075% | 2,605 |
| Pretax return on assets | 1.2599% | 1,989 |
| Return on Equity (ROE) | 9.4441% | 1,938 |
| Retained earnings to average equity (ytd only) | 3.9427% | 2,704 |
| Net charge-offs to loans | 0.0722% | 1,309 |
| Credit loss provision to net charge-offs | 75.0000% | 1,951 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,493 |
| Efficiency ratio | 77.7320% | 1,371 |
| Assets per employee ($millions) | 3.0704% | 4,761 |
| Cash dividends to net income (ytd only)* | 58.2524% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9041% | 4,091 |
| Loan loss allowance to noncurrent loans | 262.1145% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 3,473 |
| Noncurrent loans to loans | 0.3449% | 3,253 |
| Net loans and leases to total assets | 70.8048% | 2,119 |
| Net loans and leases to deposits | 79.1935% | 2,758 |
| Net loans and leases to core deposits | 88.0778% | 2,516 |
| Total domestic deposits to total assets | 89.4073% | 506 |
| Equity capital to assets | 9.4343% | 4,282 |
| Core capital (leverage) ratio | 9.6970% | 3,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,797,500 | 4,109 |
| Average earning assets | $85,760,000 | 4,081 |
| Average equity | $8,725,000 | 4,395 |
| Average total loans | $66,480,000 | 3,828 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2890% | 838 |
| Cost of funding earning assets | 0.9893% | 1,771 |
| Net interest margin | 4.2997% | 1,091 |
| Noninterest income to average assets | 0.4457% | 3,023 |
| Noninterest expense to average assets | 3.2868% | 1,328 |
| Loan and lease loss provision to assets | 0.0343% | 3,326 |
| Net operating income to assets | 0.8276% | 3,463 |
| Return on assets (ROA) | 0.8754% | 3,386 |
| Pretax return on assets | 1.2480% | 2,676 |
| Return on Equity (ROE) | 9.2138% | 2,650 |
| Retained earnings to average equity (ytd only) | 6.3510% | 1,692 |
| Net charge-offs to loans | 0.0711% | 2,085 |
| Credit loss provision to net charge-offs | 63.8298% | 2,990 |
| Earnings coverage of net charge-offs (x) | 22.7447% | 1,841 |
| Efficiency ratio | 72.3194% | 1,826 |
| Assets per employee ($millions) | 2.8866% | 4,869 |
| Cash dividends to net income (ytd only)* | 31.0705% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8906% | 3,999 |
| Loan loss allowance to noncurrent loans | 237.3016% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 3,298 |
| Noncurrent loans to loans | 0.3753% | 3,098 |
| Net loans and leases to total assets | 74.3686% | 1,688 |
| Net loans and leases to deposits | 83.4573% | 2,393 |
| Net loans and leases to core deposits | 89.1969% | 2,496 |
| Total domestic deposits to total assets | 89.1098% | 625 |
| Equity capital to assets | 9.7895% | 4,114 |
| Core capital (leverage) ratio | 9.6688% | 3,879 |
| Tier 1 risk-based capital ratio | 13.2324% | 3,663 |
| Total risk-based capital ratio | 14.1542% | 3,718 |
| Memoranda: | ||
| Average total assets | $87,502,400 | 4,175 |
| Average earning assets | $82,680,800 | 4,143 |
| Average equity | $8,313,600 | 4,470 |
| Average total loans | $66,140,000 | 3,857 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2647% | 924 |
| Cost of funding earning assets | 0.9786% | 1,852 |
| Net interest margin | 4.2861% | 1,189 |
| Noninterest income to average assets | 0.4015% | 3,306 |
| Noninterest expense to average assets | 3.1430% | 1,601 |
| Loan and lease loss provision to assets | 0.0353% | 3,189 |
| Net operating income to assets | 0.8413% | 3,542 |
| Return on assets (ROA) | 0.8873% | 3,468 |
| Pretax return on assets | 1.3286% | 2,569 |
| Return on Equity (ROE) | 9.4121% | 2,709 |
| Retained earnings to average equity (ytd only) | 5.5433% | 2,602 |
| Net charge-offs to loans | 0.0809% | 1,674 |
| Credit loss provision to net charge-offs | 57.5000% | 2,731 |
| Earnings coverage of net charge-offs (x) | 21.3008% | 1,917 |
| Efficiency ratio | 70.0654% | 2,106 |
| Assets per employee ($millions) | 2.8814% | 4,944 |
| Cash dividends to net income (ytd only)* | 41.1060% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 4,114 |
| Loan loss allowance to noncurrent loans | 321.5054% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 3,711 |
| Noncurrent loans to loans | 0.2750% | 3,555 |
| Net loans and leases to total assets | 77.5662% | 1,214 |
| Net loans and leases to deposits | 87.2432% | 2,030 |
| Net loans and leases to core deposits | 93.1171% | 2,254 |
| Total domestic deposits to total assets | 88.9080% | 645 |
| Equity capital to assets | 9.9050% | 4,112 |
| Core capital (leverage) ratio | 9.7928% | 3,863 |
| Tier 1 risk-based capital ratio | 13.8641% | 3,393 |
| Total risk-based capital ratio | 14.8523% | 3,436 |
| Memoranda: | ||
| Average total assets | $87,007,000 | 4,240 |
| Average earning assets | $82,155,500 | 4,205 |
| Average equity | $8,202,000 | 4,536 |
| Average total loans | $65,888,500 | 3,903 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0741% | 1,293 |
| Cost of funding earning assets | 0.9521% | 1,896 |
| Net interest margin | 4.1219% | 1,546 |
| Noninterest income to average assets | 0.3922% | 3,324 |
| Noninterest expense to average assets | 3.0758% | 1,804 |
| Loan and lease loss provision to assets | 0.0344% | 3,139 |
| Net operating income to assets | 0.7911% | 3,689 |
| Return on assets (ROA) | 0.8074% | 3,684 |
| Pretax return on assets | 1.1950% | 2,921 |
| Return on Equity (ROE) | 8.7107% | 2,973 |
| Retained earnings to average equity (ytd only) | 5.7906% | 2,376 |
| Net charge-offs to loans | 0.0092% | 2,808 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 175.6667% | 431 |
| Efficiency ratio | 71.1991% | 2,034 |
| Assets per employee ($millions) | 2.9623% | 4,932 |
| Cash dividends to net income (ytd only)* | 33.5227% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 3,907 |
| Loan loss allowance to noncurrent loans | 330.0000% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2212% | 3,688 |
| Noncurrent loans to loans | 0.2855% | 3,510 |
| Net loans and leases to total assets | 76.7330% | 1,432 |
| Net loans and leases to deposits | 86.1326% | 2,243 |
| Net loans and leases to core deposits | 91.8885% | 2,428 |
| Total domestic deposits to total assets | 89.0870% | 630 |
| Equity capital to assets | 9.7838% | 4,152 |
| Core capital (leverage) ratio | 9.6866% | 3,947 |
| Tier 1 risk-based capital ratio | 13.2628% | 3,706 |
| Total risk-based capital ratio | 14.2674% | 3,733 |
| Memoranda: | ||
| Average total assets | $87,195,670 | 4,265 |
| Average earning assets | $82,340,000 | 4,232 |
| Average equity | $8,082,000 | 4,569 |
| Average total loans | $65,302,330 | 3,944 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9743% | 1,399 |
| Cost of funding earning assets | 0.9062% | 1,970 |
| Net interest margin | 4.0681% | 1,647 |
| Noninterest income to average assets | 0.3916% | 3,240 |
| Noninterest expense to average assets | 3.0237% | 1,923 |
| Loan and lease loss provision to assets | 0.0364% | 2,894 |
| Net operating income to assets | 0.8055% | 3,600 |
| Return on assets (ROA) | 0.8379% | 3,531 |
| Pretax return on assets | 1.2158% | 2,745 |
| Return on Equity (ROE) | 9.2923% | 2,674 |
| Retained earnings to average equity (ytd only) | 3.3331% | 3,586 |
| Net charge-offs to loans | 0.0247% | 1,954 |
| Credit loss provision to net charge-offs | 200.0000% | 1,050 |
| Earnings coverage of net charge-offs (x) | 66.5000% | 869 |
| Efficiency ratio | 70.7527% | 2,234 |
| Assets per employee ($millions) | 2.6202% | 5,140 |
| Cash dividends to net income (ytd only)* | 64.1304% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 3,950 |
| Loan loss allowance to noncurrent loans | 296.1722% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 3,657 |
| Noncurrent loans to loans | 0.3219% | 3,413 |
| Net loans and leases to total assets | 74.3790% | 1,734 |
| Net loans and leases to deposits | 83.1811% | 2,482 |
| Net loans and leases to core deposits | 88.6808% | 2,617 |
| Total domestic deposits to total assets | 89.4181% | 684 |
| Equity capital to assets | 9.3179% | 4,415 |
| Core capital (leverage) ratio | 9.4647% | 4,170 |
| Tier 1 risk-based capital ratio | 13.2151% | 3,764 |
| Total risk-based capital ratio | 14.2244% | 3,788 |
| Memoranda: | ||
| Average total assets | $87,840,000 | 4,296 |
| Average earning assets | $82,987,000 | 4,262 |
| Average equity | $7,920,500 | 4,623 |
| Average total loans | $64,680,500 | 3,997 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9982% | 1,046 |
| Cost of funding earning assets | 0.6460% | 2,422 |
| Net interest margin | 4.3521% | 1,028 |
| Noninterest income to average assets | 0.4448% | 3,137 |
| Noninterest expense to average assets | 3.4718% | 1,031 |
| Loan and lease loss provision to assets | 0.0336% | 3,520 |
| Net operating income to assets | 0.6989% | 4,138 |
| Return on assets (ROA) | 0.6989% | 4,143 |
| Pretax return on assets | 1.0825% | 3,338 |
| Return on Equity (ROE) | 7.6169% | 3,609 |
| Retained earnings to average equity (ytd only) | 4.7165% | 2,923 |
| Net charge-offs to loans | 0.0331% | 2,741 |
| Credit loss provision to net charge-offs | 140.0000% | 1,931 |
| Earnings coverage of net charge-offs (x) | 46.5500% | 1,186 |
| Efficiency ratio | 72.4327% | 1,849 |
| Assets per employee ($millions) | 2.6239% | 5,172 |
| Cash dividends to net income (ytd only)* | 38.0789% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 3,936 |
| Loan loss allowance to noncurrent loans | 282.1101% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 3,622 |
| Noncurrent loans to loans | 0.3384% | 3,333 |
| Net loans and leases to total assets | 71.5296% | 2,337 |
| Net loans and leases to deposits | 79.2944% | 3,030 |
| Net loans and leases to core deposits | 84.0408% | 3,088 |
| Total domestic deposits to total assets | 90.2076% | 412 |
| Equity capital to assets | 8.7253% | 4,784 |
| Core capital (leverage) ratio | 9.3208% | 4,337 |
| Tier 1 risk-based capital ratio | 12.8541% | 3,935 |
| Total risk-based capital ratio | 13.8383% | 3,961 |
| Memoranda: | ||
| Average total assets | $83,414,800 | 4,367 |
| Average earning assets | $79,409,200 | 4,326 |
| Average equity | $7,654,000 | 4,654 |
| Average total loans | $60,335,000 | 4,083 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0015% | 940 |
| Cost of funding earning assets | 0.5715% | 2,693 |
| Net interest margin | 4.4300% | 847 |
| Noninterest income to average assets | 0.4034% | 3,462 |
| Noninterest expense to average assets | 3.4697% | 1,024 |
| Loan and lease loss provision to assets | 0.0325% | 3,371 |
| Net operating income to assets | 0.7499% | 4,076 |
| Return on assets (ROA) | 0.7499% | 4,086 |
| Pretax return on assets | 1.1256% | 3,291 |
| Return on Equity (ROE) | 8.0647% | 3,520 |
| Retained earnings to average equity (ytd only) | 4.1811% | 3,684 |
| Net charge-offs to loans | 0.0382% | 2,317 |
| Credit loss provision to net charge-offs | 117.6471% | 2,010 |
| Earnings coverage of net charge-offs (x) | 41.8752% | 1,316 |
| Efficiency ratio | 72.0562% | 1,876 |
| Assets per employee ($millions) | 2.5558% | 5,268 |
| Cash dividends to net income (ytd only)* | 48.1559% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 4,000 |
| Loan loss allowance to noncurrent loans | 145.5847% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.4968% | 2,714 |
| Noncurrent loans to loans | 0.6603% | 2,431 |
| Net loans and leases to total assets | 74.5180% | 1,896 |
| Net loans and leases to deposits | 82.9736% | 2,714 |
| Net loans and leases to core deposits | 88.2427% | 2,829 |
| Total domestic deposits to total assets | 89.8093% | 569 |
| Equity capital to assets | 9.0560% | 4,499 |
| Core capital (leverage) ratio | 9.5470% | 4,115 |
| Tier 1 risk-based capital ratio | 12.9714% | 3,928 |
| Total risk-based capital ratio | 13.9770% | 3,962 |
| Memoranda: | ||
| Average total assets | $81,965,500 | 4,443 |
| Average earning assets | $78,161,250 | 4,391 |
| Average equity | $7,621,500 | 4,710 |
| Average total loans | $59,311,750 | 4,152 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9172% | 979 |
| Cost of funding earning assets | 0.5192% | 2,850 |
| Net interest margin | 4.3980% | 853 |
| Noninterest income to average assets | 0.3868% | 3,573 |
| Noninterest expense to average assets | 3.3385% | 1,232 |
| Loan and lease loss provision to assets | 0.0246% | 3,424 |
| Net operating income to assets | 0.8574% | 3,643 |
| Return on assets (ROA) | 0.8574% | 3,638 |
| Pretax return on assets | 1.2393% | 2,773 |
| Return on Equity (ROE) | 9.1387% | 2,955 |
| Retained earnings to average equity (ytd only) | 6.4601% | 2,326 |
| Net charge-offs to loans | 0.0691% | 1,651 |
| Credit loss provision to net charge-offs | 50.0000% | 2,490 |
| Earnings coverage of net charge-offs (x) | 25.6500% | 1,634 |
| Efficiency ratio | 69.7002% | 2,367 |
| Assets per employee ($millions) | 2.7307% | 5,246 |
| Cash dividends to net income (ytd only)* | 29.3103% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 3,939 |
| Loan loss allowance to noncurrent loans | 168.9266% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4470% | 2,936 |
| Noncurrent loans to loans | 0.5822% | 2,676 |
| Net loans and leases to total assets | 76.0333% | 1,636 |
| Net loans and leases to deposits | 85.2350% | 2,406 |
| Net loans and leases to core deposits | 88.8145% | 2,654 |
| Total domestic deposits to total assets | 89.2043% | 852 |
| Equity capital to assets | 9.7034% | 3,912 |
| Core capital (leverage) ratio | 10.1761% | 3,388 |
| Tier 1 risk-based capital ratio | 16.5705% | 2,240 |
| Total risk-based capital ratio | 17.7981% | 2,187 |
| Memoranda: | ||
| Average total assets | $81,173,330 | 4,499 |
| Average earning assets | $77,808,670 | 4,443 |
| Average equity | $7,616,000 | 4,761 |
| Average total loans | $57,929,000 | 4,219 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6584% | 1,411 |
| Cost of funding earning assets | 0.4973% | 2,814 |
| Net interest margin | 4.1611% | 1,269 |
| Noninterest income to average assets | 0.3408% | 3,872 |
| Noninterest expense to average assets | 3.3737% | 1,211 |
| Loan and lease loss provision to assets | 0.0243% | 3,205 |
| Net operating income to assets | 0.6329% | 4,330 |
| Return on assets (ROA) | 0.6329% | 4,341 |
| Pretax return on assets | 0.9347% | 3,744 |
| Return on Equity (ROE) | 6.8583% | 3,838 |
| Retained earnings to average equity (ytd only) | 1.4772% | 4,502 |
| Net charge-offs to loans | 0.0354% | 1,813 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 39.4000% | 1,075 |
| Efficiency ratio | 74.8315% | 1,774 |
| Assets per employee ($millions) | 3.3470% | 4,848 |
| Cash dividends to net income (ytd only)* | 78.4615% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 3,640 |
| Loan loss allowance to noncurrent loans | 317.8010% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 3,918 |
| Noncurrent loans to loans | 0.3315% | 3,581 |
| Net loans and leases to total assets | 70.9728% | 2,331 |
| Net loans and leases to deposits | 79.1940% | 2,897 |
| Net loans and leases to core deposits | 82.4573% | 3,108 |
| Total domestic deposits to total assets | 89.6188% | 829 |
| Equity capital to assets | 9.3529% | 4,227 |
| Core capital (leverage) ratio | 9.6405% | 3,914 |
| Tier 1 risk-based capital ratio | 16.8599% | 2,156 |
| Total risk-based capital ratio | 18.1100% | 2,109 |
| Memoranda: | ||
| Average total assets | $82,165,500 | 4,530 |
| Average earning assets | $78,825,000 | 4,474 |
| Average equity | $7,582,000 | 4,813 |
| Average total loans | $56,489,500 | 4,293 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6710% | 1,257 |
| Cost of funding earning assets | 0.5033% | 2,306 |
| Net interest margin | 4.1677% | 1,256 |
| Noninterest income to average assets | 0.4189% | 3,509 |
| Noninterest expense to average assets | 3.3095% | 1,359 |
| Loan and lease loss provision to assets | 0.0444% | 3,352 |
| Net operating income to assets | 0.4121% | 4,651 |
| Return on assets (ROA) | 0.4202% | 4,650 |
| Pretax return on assets | 1.0410% | 3,413 |
| Return on Equity (ROE) | 4.3398% | 4,394 |
| Retained earnings to average equity (ytd only) | 1.9798% | 4,135 |
| Net charge-offs to loans | 0.0219% | 3,368 |
| Credit loss provision to net charge-offs | 291.6667% | 964 |
| Earnings coverage of net charge-offs (x) | 70.4167% | 851 |
| Efficiency ratio | 72.4508% | 2,153 |
| Assets per employee ($millions) | 3.5001% | 4,695 |
| Cash dividends to net income (ytd only)* | 54.3807% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 3,376 |
| Loan loss allowance to noncurrent loans | 197.0779% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 3,397 |
| Noncurrent loans to loans | 0.5563% | 2,834 |
| Net loans and leases to total assets | 65.1810% | 3,203 |
| Net loans and leases to deposits | 72.4652% | 3,654 |
| Net loans and leases to core deposits | 77.4236% | 3,634 |
| Total domestic deposits to total assets | 89.9480% | 587 |
| Equity capital to assets | 9.1080% | 4,611 |
| Core capital (leverage) ratio | 9.7433% | 3,752 |
| Tier 1 risk-based capital ratio | 18.1988% | 1,743 |
| Total risk-based capital ratio | 19.4516% | 1,693 |
| Memoranda: | ||
| Average total assets | $78,772,800 | 4,615 |
| Average earning assets | $74,909,600 | 4,566 |
| Average equity | $7,627,000 | 4,838 |
| Average total loans | $54,809,600 | 4,336 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7058% | 1,121 |
| Cost of funding earning assets | 0.5009% | 2,254 |
| Net interest margin | 4.2049% | 1,143 |
| Noninterest income to average assets | 0.4114% | 3,614 |
| Noninterest expense to average assets | 3.3373% | 1,268 |
| Loan and lease loss provision to assets | 0.0602% | 2,878 |
| Net operating income to assets | 0.6447% | 4,212 |
| Return on assets (ROA) | 0.6558% | 4,225 |
| Pretax return on assets | 1.0189% | 3,612 |
| Return on Equity (ROE) | 6.6657% | 3,832 |
| Retained earnings to average equity (ytd only) | 3.5165% | 3,818 |
| Net charge-offs to loans | 0.0195% | 3,099 |
| Credit loss provision to net charge-offs | 437.5000% | 718 |
| Earnings coverage of net charge-offs (x) | 77.0993% | 831 |
| Efficiency ratio | 72.7308% | 2,089 |
| Assets per employee ($millions) | 3.2501% | 5,009 |
| Cash dividends to net income (ytd only)* | 47.2431% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 3,494 |
| Loan loss allowance to noncurrent loans | 272.7679% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 3,912 |
| Noncurrent loans to loans | 0.4022% | 3,499 |
| Net loans and leases to total assets | 70.6242% | 2,468 |
| Net loans and leases to deposits | 79.2442% | 3,039 |
| Net loans and leases to core deposits | 84.3152% | 3,104 |
| Total domestic deposits to total assets | 89.1222% | 819 |
| Equity capital to assets | 9.9573% | 3,953 |
| Core capital (leverage) ratio | 10.0483% | 3,514 |
| Tier 1 risk-based capital ratio | 17.6773% | 1,953 |
| Total risk-based capital ratio | 18.9298% | 1,889 |
| Memoranda: | ||
| Average total assets | $77,465,250 | 4,684 |
| Average earning assets | $73,467,750 | 4,636 |
| Average equity | $7,621,000 | 4,886 |
| Average total loans | $54,671,750 | 4,372 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6695% | 1,118 |
| Cost of funding earning assets | 0.4897% | 2,255 |
| Net interest margin | 4.1799% | 1,120 |
| Noninterest income to average assets | 0.4115% | 3,617 |
| Noninterest expense to average assets | 3.3279% | 1,320 |
| Loan and lease loss provision to assets | 0.0776% | 2,427 |
| Net operating income to assets | 0.6341% | 4,144 |
| Return on assets (ROA) | 0.6444% | 4,159 |
| Pretax return on assets | 0.9756% | 3,655 |
| Return on Equity (ROE) | 6.5766% | 3,788 |
| Retained earnings to average equity (ytd only) | 4.1995% | 3,209 |
| Net charge-offs to loans | 0.0295% | 2,617 |
| Credit loss provision to net charge-offs | 375.0000% | 825 |
| Earnings coverage of net charge-offs (x) | 50.1250% | 1,071 |
| Efficiency ratio | 73.0883% | 2,174 |
| Assets per employee ($millions) | 3.3453% | 4,929 |
| Cash dividends to net income (ytd only)* | 36.1446% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 3,515 |
| Loan loss allowance to noncurrent loans | 271.7489% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 3,979 |
| Noncurrent loans to loans | 0.4093% | 3,556 |
| Net loans and leases to total assets | 70.0298% | 2,521 |
| Net loans and leases to deposits | 78.5902% | 3,059 |
| Net loans and leases to core deposits | 83.6965% | 3,101 |
| Total domestic deposits to total assets | 89.1075% | 906 |
| Equity capital to assets | 10.0620% | 3,839 |
| Core capital (leverage) ratio | 10.0135% | 3,521 |
| Tier 1 risk-based capital ratio | 17.8801% | 1,894 |
| Total risk-based capital ratio | 19.1327% | 1,846 |
| Memoranda: | ||
| Average total assets | $77,286,000 | 4,718 |
| Average earning assets | $73,112,670 | 4,672 |
| Average equity | $7,572,330 | 4,918 |
| Average total loans | $54,329,000 | 4,407 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6616% | 1,007 |
| Cost of funding earning assets | 0.4826% | 2,226 |
| Net interest margin | 4.1789% | 1,033 |
| Noninterest income to average assets | 0.4235% | 3,501 |
| Noninterest expense to average assets | 3.3877% | 1,226 |
| Loan and lease loss provision to assets | 0.0775% | 2,261 |
| Net operating income to assets | 0.6455% | 3,950 |
| Return on assets (ROA) | 0.6455% | 3,987 |
| Pretax return on assets | 0.8934% | 3,796 |
| Return on Equity (ROE) | 6.6778% | 3,565 |
| Retained earnings to average equity (ytd only) | 1.8698% | 4,376 |
| Net charge-offs to loans | 0.0221% | 2,327 |
| Credit loss provision to net charge-offs | 500.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 62.6667% | 782 |
| Efficiency ratio | 74.5261% | 2,139 |
| Assets per employee ($millions) | 3.2267% | 5,128 |
| Cash dividends to net income (ytd only)* | 72.0000% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 3,728 |
| Loan loss allowance to noncurrent loans | 567.6190% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 4,722 |
| Noncurrent loans to loans | 0.1934% | 4,430 |
| Net loans and leases to total assets | 69.3530% | 2,485 |
| Net loans and leases to deposits | 77.4680% | 3,034 |
| Net loans and leases to core deposits | 82.4511% | 3,047 |
| Total domestic deposits to total assets | 89.5248% | 886 |
| Equity capital to assets | 9.7275% | 4,037 |
| Core capital (leverage) ratio | 9.8124% | 3,742 |
| Tier 1 risk-based capital ratio | 17.7524% | 1,958 |
| Total risk-based capital ratio | 19.0045% | 1,906 |
| Memoranda: | ||
| Average total assets | $77,457,500 | 4,761 |
| Average earning assets | $72,937,000 | 4,722 |
| Average equity | $7,487,500 | 4,973 |
| Average total loans | $54,249,000 | 4,447 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0484% | 545 |
| Cost of funding earning assets | 0.5054% | 2,048 |
| Net interest margin | 4.5430% | 564 |
| Noninterest income to average assets | 0.4313% | 3,672 |
| Noninterest expense to average assets | 3.4347% | 1,286 |
| Loan and lease loss provision to assets | 0.0732% | 2,892 |
| Net operating income to assets | 0.6605% | 3,949 |
| Return on assets (ROA) | 0.7508% | 3,652 |
| Pretax return on assets | 1.2647% | 2,420 |
| Return on Equity (ROE) | 7.5806% | 3,176 |
| Retained earnings to average equity (ytd only) | 5.1613% | 2,229 |
| Net charge-offs to loans | 0.0115% | 3,886 |
| Credit loss provision to net charge-offs | 916.6667% | 414 |
| Earnings coverage of net charge-offs (x) | 149.8333% | 429 |
| Efficiency ratio | 71.1124% | 2,723 |
| Assets per employee ($millions) | 3.2281% | 5,123 |
| Cash dividends to net income (ytd only)* | 31.9149% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 3,841 |
| Loan loss allowance to noncurrent loans | 550.9434% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 4,761 |
| Noncurrent loans to loans | 0.1956% | 4,456 |
| Net loans and leases to total assets | 69.1978% | 2,596 |
| Net loans and leases to deposits | 77.8347% | 3,123 |
| Net loans and leases to core deposits | 82.5432% | 3,168 |
| Total domestic deposits to total assets | 88.9035% | 1,160 |
| Equity capital to assets | 9.6057% | 4,161 |
| Core capital (leverage) ratio | 9.0572% | 4,675 |
| Tier 1 risk-based capital ratio | 13.2442% | 3,925 |
| Total risk-based capital ratio | 14.3579% | 3,915 |
| Memoranda: | ||
| Average total assets | $75,115,200 | 4,830 |
| Average earning assets | $69,447,600 | 4,818 |
| Average equity | $7,440,000 | 5,017 |
| Average total loans | $51,951,000 | 4,519 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1131% | 486 |
| Cost of funding earning assets | 0.5038% | 2,070 |
| Net interest margin | 4.6094% | 497 |
| Noninterest income to average assets | 0.4025% | 3,906 |
| Noninterest expense to average assets | 3.3151% | 1,532 |
| Loan and lease loss provision to assets | 0.0805% | 2,597 |
| Net operating income to assets | 0.8516% | 3,143 |
| Return on assets (ROA) | 0.9786% | 2,656 |
| Pretax return on assets | 1.4527% | 1,871 |
| Return on Equity (ROE) | 9.8033% | 2,140 |
| Retained earnings to average equity (ytd only) | 6.5773% | 1,857 |
| Net charge-offs to loans | 0.0156% | 3,419 |
| Credit loss provision to net charge-offs | 750.0000% | 525 |
| Earnings coverage of net charge-offs (x) | 125.1638% | 556 |
| Efficiency ratio | 68.0876% | 3,210 |
| Assets per employee ($millions) | 3.1776% | 5,211 |
| Cash dividends to net income (ytd only)* | 32.9060% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 4,231 |
| Loan loss allowance to noncurrent loans | 367.9487% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3252% | 4,102 |
| Noncurrent loans to loans | 0.2805% | 4,258 |
| Net loans and leases to total assets | 72.1805% | 2,157 |
| Net loans and leases to deposits | 81.4425% | 2,806 |
| Net loans and leases to core deposits | 86.4676% | 2,909 |
| Total domestic deposits to total assets | 88.6275% | 1,087 |
| Equity capital to assets | 10.1019% | 4,035 |
| Core capital (leverage) ratio | 10.1650% | 3,365 |
| Tier 1 risk-based capital ratio | 14.4974% | 3,287 |
| Total risk-based capital ratio | 15.5919% | 3,309 |
| Memoranda: | ||
| Average total assets | $74,525,250 | 4,875 |
| Average earning assets | $68,814,500 | 4,866 |
| Average equity | $7,439,500 | 5,071 |
| Average total loans | $51,390,000 | 4,574 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1636% | 450 |
| Cost of funding earning assets | 0.5058% | 2,058 |
| Net interest margin | 4.6578% | 453 |
| Noninterest income to average assets | 0.3705% | 4,097 |
| Noninterest expense to average assets | 3.2645% | 1,658 |
| Loan and lease loss provision to assets | 0.0811% | 2,515 |
| Net operating income to assets | 0.8677% | 3,017 |
| Return on assets (ROA) | 0.9980% | 2,540 |
| Pretax return on assets | 1.5065% | 1,651 |
| Return on Equity (ROE) | 10.0390% | 2,032 |
| Retained earnings to average equity (ytd only) | 7.5905% | 1,343 |
| Net charge-offs to loans | -0.0120% | 4,758 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0540% | 3,527 |
| Assets per employee ($millions) | 3.1197% | 5,303 |
| Cash dividends to net income (ytd only)* | 24.3902% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 4,202 |
| Loan loss allowance to noncurrent loans | 1,138.0000% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 4,720 |
| Noncurrent loans to loans | 0.0927% | 5,082 |
| Net loans and leases to total assets | 71.3137% | 2,281 |
| Net loans and leases to deposits | 80.4951% | 2,873 |
| Net loans and leases to core deposits | 85.5646% | 2,941 |
| Total domestic deposits to total assets | 88.5939% | 1,118 |
| Equity capital to assets | 10.1800% | 3,998 |
| Core capital (leverage) ratio | 10.1241% | 3,417 |
| Tier 1 risk-based capital ratio | 14.5861% | 3,267 |
| Total risk-based capital ratio | 15.6910% | 3,283 |
| Memoranda: | ||
| Average total assets | $73,946,000 | 4,933 |
| Average earning assets | $68,014,330 | 4,935 |
| Average equity | $7,351,330 | 5,132 |
| Average total loans | $49,979,670 | 4,646 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2058% | 411 |
| Cost of funding earning assets | 0.5111% | 2,018 |
| Net interest margin | 4.6947% | 429 |
| Noninterest income to average assets | 0.2939% | 4,620 |
| Noninterest expense to average assets | 3.2334% | 1,756 |
| Loan and lease loss provision to assets | 0.0817% | 2,319 |
| Net operating income to assets | 0.8323% | 3,080 |
| Return on assets (ROA) | 0.8111% | 3,308 |
| Pretax return on assets | 1.2465% | 2,520 |
| Return on Equity (ROE) | 8.2594% | 2,778 |
| Retained earnings to average equity (ytd only) | 3.2705% | 3,858 |
| Net charge-offs to loans | -0.0250% | 4,978 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1801% | 3,600 |
| Assets per employee ($millions) | 3.0329% | 5,476 |
| Cash dividends to net income (ytd only)* | 60.4027% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 3,962 |
| Loan loss allowance to noncurrent loans | 356.7742% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 4,196 |
| Noncurrent loans to loans | 0.3128% | 4,310 |
| Net loans and leases to total assets | 67.3137% | 2,760 |
| Net loans and leases to deposits | 75.9137% | 3,232 |
| Net loans and leases to core deposits | 78.2575% | 3,472 |
| Total domestic deposits to total assets | 88.6714% | 1,255 |
| Equity capital to assets | 10.1705% | 3,876 |
| Core capital (leverage) ratio | 9.8040% | 3,770 |
| Tier 1 risk-based capital ratio | 14.9521% | 3,185 |
| Total risk-based capital ratio | 16.0874% | 3,167 |
| Memoranda: | ||
| Average total assets | $73,483,000 | 4,988 |
| Average earning assets | $67,310,000 | 4,995 |
| Average equity | $7,216,000 | 5,185 |
| Average total loans | $47,988,000 | 4,737 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 595 |
| Cost of funding earning assets | 0.5383% | 1,855 |
| Net interest margin | 4.4853% | 676 |
| Noninterest income to average assets | 0.4957% | 3,361 |
| Noninterest expense to average assets | 3.3567% | 1,587 |
| Loan and lease loss provision to assets | 0.0801% | 2,680 |
| Net operating income to assets | 0.6394% | 4,091 |
| Return on assets (ROA) | 0.6642% | 4,066 |
| Pretax return on assets | 1.1820% | 2,724 |
| Return on Equity (ROE) | 7.0369% | 3,495 |
| Retained earnings to average equity (ytd only) | 5.7202% | 1,949 |
| Net charge-offs to loans | 0.1120% | 2,258 |
| Credit loss provision to net charge-offs | 118.3673% | 2,176 |
| Earnings coverage of net charge-offs (x) | 18.0816% | 2,031 |
| Efficiency ratio | 70.0935% | 3,206 |
| Assets per employee ($millions) | 3.2251% | 5,268 |
| Cash dividends to net income (ytd only)* | 18.7110% | 3,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 3,740 |
| Loan loss allowance to noncurrent loans | 563.1579% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 3,547 |
| Noncurrent loans to loans | 0.2046% | 4,681 |
| Net loans and leases to total assets | 61.8669% | 3,580 |
| Net loans and leases to deposits | 69.1577% | 4,009 |
| Net loans and leases to core deposits | 71.5181% | 4,175 |
| Total domestic deposits to total assets | 89.4576% | 882 |
| Equity capital to assets | 9.4760% | 4,581 |
| Core capital (leverage) ratio | 9.8003% | 3,771 |
| Tier 1 risk-based capital ratio | 15.9271% | 2,722 |
| Total risk-based capital ratio | 17.1099% | 2,695 |
| Memoranda: | ||
| Average total assets | $72,422,400 | 5,032 |
| Average earning assets | $65,948,400 | 5,043 |
| Average equity | $6,835,400 | 5,273 |
| Average total loans | $43,741,800 | 4,866 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9546% | 680 |
| Cost of funding earning assets | 0.5408% | 1,880 |
| Net interest margin | 4.4137% | 770 |
| Noninterest income to average assets | 0.4964% | 3,394 |
| Noninterest expense to average assets | 3.3359% | 1,605 |
| Loan and lease loss provision to assets | 0.0778% | 2,626 |
| Net operating income to assets | 0.6821% | 3,983 |
| Return on assets (ROA) | 0.7094% | 3,968 |
| Pretax return on assets | 1.1613% | 2,966 |
| Return on Equity (ROE) | 7.5239% | 3,320 |
| Retained earnings to average equity (ytd only) | 5.7560% | 2,398 |
| Net charge-offs to loans | 0.1052% | 2,080 |
| Credit loss provision to net charge-offs | 123.5294% | 1,938 |
| Earnings coverage of net charge-offs (x) | 19.0009% | 1,969 |
| Efficiency ratio | 70.3310% | 3,160 |
| Assets per employee ($millions) | 2.9935% | 5,553 |
| Cash dividends to net income (ytd only)* | 23.4995% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 3,807 |
| Loan loss allowance to noncurrent loans | 449.5798% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 3,523 |
| Noncurrent loans to loans | 0.2606% | 4,645 |
| Net loans and leases to total assets | 62.8214% | 3,477 |
| Net loans and leases to deposits | 70.4349% | 3,928 |
| Net loans and leases to core deposits | 72.9238% | 4,108 |
| Total domestic deposits to total assets | 89.1906% | 922 |
| Equity capital to assets | 9.7237% | 4,486 |
| Core capital (leverage) ratio | 9.2689% | 4,630 |
| Tier 1 risk-based capital ratio | 14.9853% | 3,301 |
| Total risk-based capital ratio | 16.2061% | 3,259 |
| Memoranda: | ||
| Average total assets | $71,983,750 | 5,100 |
| Average earning assets | $65,823,000 | 5,105 |
| Average equity | $6,787,000 | 5,347 |
| Average total loans | $43,070,750 | 4,944 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8740% | 775 |
| Cost of funding earning assets | 0.5476% | 1,844 |
| Net interest margin | 4.3263% | 870 |
| Noninterest income to average assets | 0.4970% | 3,395 |
| Noninterest expense to average assets | 3.3375% | 1,607 |
| Loan and lease loss provision to assets | 0.0750% | 2,615 |
| Net operating income to assets | 0.6166% | 4,266 |
| Return on assets (ROA) | 0.6220% | 4,366 |
| Pretax return on assets | 1.0412% | 3,412 |
| Return on Equity (ROE) | 6.6660% | 3,800 |
| Retained earnings to average equity (ytd only) | 3.9877% | 3,477 |
| Net charge-offs to loans | 0.2369% | 1,088 |
| Credit loss provision to net charge-offs | 54.0000% | 2,660 |
| Earnings coverage of net charge-offs (x) | 7.9800% | 2,607 |
| Efficiency ratio | 71.7676% | 3,031 |
| Assets per employee ($millions) | 2.9616% | 5,640 |
| Cash dividends to net income (ytd only)* | 40.1786% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 4,067 |
| Loan loss allowance to noncurrent loans | 397.6378% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.5487% | 3,781 |
| Noncurrent loans to loans | 0.2900% | 4,646 |
| Net loans and leases to total assets | 60.9055% | 3,703 |
| Net loans and leases to deposits | 67.9085% | 4,144 |
| Net loans and leases to core deposits | 70.3164% | 4,299 |
| Total domestic deposits to total assets | 89.6875% | 791 |
| Equity capital to assets | 9.3206% | 4,873 |
| Core capital (leverage) ratio | 8.5754% | 5,464 |
| Tier 1 risk-based capital ratio | 14.0978% | 3,865 |
| Total risk-based capital ratio | 15.2755% | 3,847 |
| Memoranda: | ||
| Average total assets | $72,030,000 | 5,155 |
| Average earning assets | $65,737,000 | 5,158 |
| Average equity | $6,720,670 | 5,407 |
| Average total loans | $42,204,670 | 5,023 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 881 |
| Cost of funding earning assets | 0.5443% | 1,888 |
| Net interest margin | 4.2458% | 981 |
| Noninterest income to average assets | 0.4855% | 3,388 |
| Noninterest expense to average assets | 3.2825% | 1,761 |
| Loan and lease loss provision to assets | 0.0828% | 2,321 |
| Net operating income to assets | 0.6073% | 4,255 |
| Return on assets (ROA) | 0.6179% | 4,298 |
| Pretax return on assets | 1.0096% | 3,459 |
| Return on Equity (ROE) | 6.6189% | 3,699 |
| Retained earnings to average equity (ytd only) | 6.6189% | 2,180 |
| Net charge-offs to loans | 0.1256% | 1,505 |
| Credit loss provision to net charge-offs | 115.3846% | 1,478 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,646 |
| Efficiency ratio | 71.8987% | 3,189 |
| Assets per employee ($millions) | 2.9950% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 3,644 |
| Loan loss allowance to noncurrent loans | 128.0872% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.7624% | 3,207 |
| Noncurrent loans to loans | 0.9820% | 2,804 |
| Net loans and leases to total assets | 57.7777% | 3,981 |
| Net loans and leases to deposits | 64.6462% | 4,300 |
| Net loans and leases to core deposits | 67.4648% | 4,389 |
| Total domestic deposits to total assets | 89.3752% | 1,059 |
| Equity capital to assets | 9.6635% | 4,560 |
| Core capital (leverage) ratio | 8.7244% | 5,293 |
| Tier 1 risk-based capital ratio | 14.1226% | 3,935 |
| Total risk-based capital ratio | 15.3280% | 3,886 |
| Memoranda: | ||
| Average total assets | $72,505,500 | 5,182 |
| Average earning assets | $66,135,500 | 5,199 |
| Average equity | $6,768,500 | 5,446 |
| Average total loans | $41,409,000 | 5,088 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0958% | 642 |
| Cost of funding earning assets | 0.5929% | 1,826 |
| Net interest margin | 4.5030% | 745 |
| Noninterest income to average assets | 0.3616% | 4,506 |
| Noninterest expense to average assets | 3.5045% | 1,471 |
| Loan and lease loss provision to assets | 0.1669% | 1,569 |
| Net operating income to assets | 0.5007% | 4,806 |
| Return on assets (ROA) | 0.5062% | 4,872 |
| Pretax return on assets | 0.7649% | 4,386 |
| Return on Equity (ROE) | 6.1041% | 4,092 |
| Retained earnings to average equity (ytd only) | 2.7167% | 4,311 |
| Net charge-offs to loans | 0.5044% | 813 |
| Credit loss provision to net charge-offs | 59.4059% | 3,295 |
| Earnings coverage of net charge-offs (x) | 3.2871% | 3,928 |
| Efficiency ratio | 75.8166% | 2,540 |
| Assets per employee ($millions) | 3.0472% | 5,639 |
| Cash dividends to net income (ytd only)* | 55.4945% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 3,461 |
| Loan loss allowance to noncurrent loans | 165.2038% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 1.2101% | 2,357 |
| Noncurrent loans to loans | 0.7826% | 3,346 |
| Net loans and leases to total assets | 55.0129% | 4,451 |
| Net loans and leases to deposits | 61.2024% | 4,791 |
| Net loans and leases to core deposits | 63.0596% | 4,915 |
| Total domestic deposits to total assets | 89.8868% | 780 |
| Equity capital to assets | 9.0125% | 5,273 |
| Core capital (leverage) ratio | 8.9946% | 5,013 |
| Tier 1 risk-based capital ratio | 13.8602% | 4,203 |
| Total risk-based capital ratio | 14.9863% | 4,212 |
| Memoranda: | ||
| Average total assets | $71,907,200 | 5,234 |
| Average earning assets | $64,935,200 | 5,253 |
| Average equity | $5,963,200 | 5,629 |
| Average total loans | $40,045,000 | 5,185 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0934% | 655 |
| Cost of funding earning assets | 0.5998% | 1,832 |
| Net interest margin | 4.4935% | 746 |
| Noninterest income to average assets | 0.5698% | 3,069 |
| Noninterest expense to average assets | 3.6982% | 1,126 |
| Loan and lease loss provision to assets | 0.1676% | 1,474 |
| Net operating income to assets | 0.7635% | 3,608 |
| Return on assets (ROA) | 0.7635% | 3,700 |
| Pretax return on assets | 0.7635% | 4,494 |
| Return on Equity (ROE) | 9.4149% | 2,492 |
| Retained earnings to average equity (ytd only) | 5.3504% | 2,849 |
| Net charge-offs to loans | 0.6053% | 610 |
| Credit loss provision to net charge-offs | 49.7238% | 3,107 |
| Earnings coverage of net charge-offs (x) | 2.7624% | 3,829 |
| Efficiency ratio | 76.6693% | 2,388 |
| Assets per employee ($millions) | 2.9685% | 5,764 |
| Cash dividends to net income (ytd only)* | 43.1702% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 3,930 |
| Loan loss allowance to noncurrent loans | 201.5564% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.9180% | 3,144 |
| Noncurrent loans to loans | 0.6216% | 4,059 |
| Net loans and leases to total assets | 57.3081% | 4,166 |
| Net loans and leases to deposits | 63.6228% | 4,584 |
| Net loans and leases to core deposits | 66.3967% | 4,668 |
| Total domestic deposits to total assets | 90.0748% | 701 |
| Equity capital to assets | 8.8233% | 5,527 |
| Core capital (leverage) ratio | 9.1183% | 4,901 |
| Tier 1 risk-based capital ratio | 14.1202% | 4,129 |
| Total risk-based capital ratio | 15.2610% | 4,144 |
| Memoranda: | ||
| Average total assets | $71,601,000 | 5,295 |
| Average earning assets | $64,683,750 | 5,311 |
| Average equity | $5,806,250 | 5,717 |
| Average total loans | $39,866,500 | 5,249 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0375% | 698 |
| Cost of funding earning assets | 0.6050% | 1,862 |
| Net interest margin | 4.4325% | 805 |
| Noninterest income to average assets | 0.5605% | 3,048 |
| Noninterest expense to average assets | 3.7005% | 1,136 |
| Loan and lease loss provision to assets | 0.1673% | 1,465 |
| Net operating income to assets | 0.6972% | 3,853 |
| Return on assets (ROA) | 0.6972% | 3,944 |
| Pretax return on assets | 0.6972% | 4,651 |
| Return on Equity (ROE) | 8.8553% | 2,661 |
| Retained earnings to average equity (ytd only) | 2.5858% | 4,555 |
| Net charge-offs to loans | 0.9042% | 400 |
| Credit loss provision to net charge-offs | 33.7079% | 3,003 |
| Earnings coverage of net charge-offs (x) | 1.7416% | 3,722 |
| Efficiency ratio | 77.8253% | 2,320 |
| Assets per employee ($millions) | 3.0788% | 5,631 |
| Cash dividends to net income (ytd only)* | 70.8000% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 4,367 |
| Loan loss allowance to noncurrent loans | 962.7451% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.6327% | 4,074 |
| Noncurrent loans to loans | 0.1258% | 5,643 |
| Net loans and leases to total assets | 56.5362% | 4,194 |
| Net loans and leases to deposits | 62.4620% | 4,648 |
| Net loans and leases to core deposits | 64.4043% | 4,780 |
| Total domestic deposits to total assets | 90.5130% | 585 |
| Equity capital to assets | 8.4377% | 5,851 |
| Core capital (leverage) ratio | 8.4338% | 5,711 |
| Tier 1 risk-based capital ratio | 12.9600% | 4,939 |
| Total risk-based capital ratio | 14.0354% | 4,985 |
| Memoranda: | ||
| Average total assets | $71,720,330 | 5,345 |
| Average earning assets | $64,794,670 | 5,358 |
| Average equity | $5,646,330 | 5,793 |
| Average total loans | $39,373,330 | 5,304 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9630% | 774 |
| Cost of funding earning assets | 0.5897% | 2,066 |
| Net interest margin | 4.3733% | 854 |
| Noninterest income to average assets | 0.5487% | 3,059 |
| Noninterest expense to average assets | 3.6911% | 1,148 |
| Loan and lease loss provision to assets | 0.1663% | 1,456 |
| Net operating income to assets | 0.6373% | 4,011 |
| Return on assets (ROA) | 0.6373% | 4,104 |
| Pretax return on assets | 0.6373% | 4,705 |
| Return on Equity (ROE) | 8.3911% | 2,741 |
| Retained earnings to average equity (ytd only) | 1.8242% | 4,873 |
| Net charge-offs to loans | 1.2063% | 278 |
| Credit loss provision to net charge-offs | 25.6410% | 2,443 |
| Earnings coverage of net charge-offs (x) | 1.2393% | 3,138 |
| Efficiency ratio | 78.7916% | 2,360 |
| Assets per employee ($millions) | 2.8851% | 5,992 |
| Cash dividends to net income (ytd only)* | 78.2609% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 4,053 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 4,885 |
| Noncurrent loans to loans | 0.0453% | 6,013 |
| Net loans and leases to total assets | 54.3694% | 4,374 |
| Net loans and leases to deposits | 59.5855% | 4,802 |
| Net loans and leases to core deposits | 61.1492% | 4,950 |
| Total domestic deposits to total assets | 91.2460% | 468 |
| Equity capital to assets | 7.7752% | 6,193 |
| Core capital (leverage) ratio | 8.1718% | 5,974 |
| Tier 1 risk-based capital ratio | 13.5008% | 4,674 |
| Total risk-based capital ratio | 14.7135% | 4,653 |
| Memoranda: | ||
| Average total assets | $72,174,000 | 5,382 |
| Average earning assets | $65,122,000 | 5,402 |
| Average equity | $5,482,000 | 5,872 |
| Average total loans | $38,797,000 | 5,363 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1454% | 718 |
| Cost of funding earning assets | 0.6741% | 2,005 |
| Net interest margin | 4.4713% | 786 |
| Noninterest income to average assets | 0.4759% | 3,921 |
| Noninterest expense to average assets | 3.8835% | 1,012 |
| Loan and lease loss provision to assets | 0.0278% | 4,561 |
| Net operating income to assets | 0.6442% | 4,057 |
| Return on assets (ROA) | 0.8599% | 3,062 |
| Pretax return on assets | 0.8599% | 3,917 |
| Return on Equity (ROE) | 10.3981% | 1,957 |
| Retained earnings to average equity (ytd only) | 10.3981% | 500 |
| Net charge-offs to loans | 0.1946% | 2,909 |
| Credit loss provision to net charge-offs | 26.3158% | 4,326 |
| Earnings coverage of net charge-offs (x) | 6.3553% | 3,082 |
| Efficiency ratio | 82.0098% | 1,874 |
| Assets per employee ($millions) | 2.8888% | 5,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6087% | 2,725 |
| Loan loss allowance to noncurrent loans | 205.0505% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.6037% | 4,425 |
| Noncurrent loans to loans | 0.7845% | 4,012 |
| Net loans and leases to total assets | 51.5750% | 4,911 |
| Net loans and leases to deposits | 56.2880% | 5,276 |
| Net loans and leases to core deposits | 57.9690% | 5,394 |
| Total domestic deposits to total assets | 91.6271% | 370 |
| Equity capital to assets | 7.4161% | 6,322 |
| Core capital (leverage) ratio | 7.8012% | 6,243 |
| Tier 1 risk-based capital ratio | 13.3096% | 4,779 |
| Total risk-based capital ratio | 14.4310% | 4,801 |
| Memoranda: | ||
| Average total assets | $71,868,000 | 5,420 |
| Average earning assets | $65,573,600 | 5,419 |
| Average equity | $5,943,400 | 5,836 |
| Average total loans | $39,058,200 | 5,388 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1462% | 716 |
| Cost of funding earning assets | 0.6856% | 2,053 |
| Net interest margin | 4.4606% | 789 |
| Noninterest income to average assets | 0.4607% | 4,071 |
| Noninterest expense to average assets | 3.6778% | 1,277 |
| Loan and lease loss provision to assets | 0.0372% | 4,269 |
| Net operating income to assets | 0.8303% | 3,191 |
| Return on assets (ROA) | 1.1182% | 2,010 |
| Pretax return on assets | 1.1182% | 3,026 |
| Return on Equity (ROE) | 13.1793% | 1,201 |
| Retained earnings to average equity (ytd only) | 13.1793% | 320 |
| Net charge-offs to loans | 0.1423% | 3,118 |
| Credit loss provision to net charge-offs | 47.6190% | 3,564 |
| Earnings coverage of net charge-offs (x) | 11.1188% | 2,278 |
| Efficiency ratio | 77.6461% | 2,466 |
| Assets per employee ($millions) | 2.9456% | 5,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5922% | 3,035 |
| Loan loss allowance to noncurrent loans | 1,286.0000% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.1952% | 5,852 |
| Noncurrent loans to loans | 0.1238% | 5,958 |
| Net loans and leases to total assets | 56.2147% | 4,287 |
| Net loans and leases to deposits | 62.1089% | 4,752 |
| Net loans and leases to core deposits | 64.0251% | 4,899 |
| Total domestic deposits to total assets | 90.5099% | 741 |
| Equity capital to assets | 8.0034% | 6,155 |
| Core capital (leverage) ratio | 8.7052% | 5,532 |
| Tier 1 risk-based capital ratio | 14.1762% | 4,297 |
| Total risk-based capital ratio | 15.4341% | 4,241 |
| Memoranda: | ||
| Average total assets | $71,779,750 | 5,480 |
| Average earning assets | $65,729,250 | 5,464 |
| Average equity | $6,090,250 | 5,871 |
| Average total loans | $39,358,500 | 5,426 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0315% | 865 |
| Cost of funding earning assets | 0.6968% | 2,083 |
| Net interest margin | 4.3347% | 968 |
| Noninterest income to average assets | 0.4768% | 3,980 |
| Noninterest expense to average assets | 3.2769% | 2,140 |
| Loan and lease loss provision to assets | 0.0554% | 3,893 |
| Net operating income to assets | 1.1283% | 1,823 |
| Return on assets (ROA) | 1.3668% | 1,232 |
| Pretax return on assets | 1.3668% | 2,055 |
| Return on Equity (ROE) | 15.8157% | 689 |
| Retained earnings to average equity (ytd only) | 15.8157% | 198 |
| Net charge-offs to loans | 0.2307% | 2,343 |
| Credit loss provision to net charge-offs | 44.4444% | 3,334 |
| Earnings coverage of net charge-offs (x) | 9.4889% | 2,278 |
| Efficiency ratio | 70.1678% | 3,794 |
| Assets per employee ($millions) | 2.9836% | 5,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 3,115 |
| Loan loss allowance to noncurrent loans | 744.1860% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 5,712 |
| Noncurrent loans to loans | 0.2165% | 5,760 |
| Net loans and leases to total assets | 54.5862% | 4,508 |
| Net loans and leases to deposits | 60.3092% | 4,941 |
| Net loans and leases to core deposits | 63.4076% | 4,960 |
| Total domestic deposits to total assets | 90.5106% | 752 |
| Equity capital to assets | 8.2647% | 6,004 |
| Core capital (leverage) ratio | 8.2752% | 5,915 |
| Tier 1 risk-based capital ratio | 12.7060% | 5,350 |
| Total risk-based capital ratio | 13.7831% | 5,416 |
| Memoranda: | ||
| Average total assets | $72,141,330 | 5,507 |
| Average earning assets | $66,302,670 | 5,486 |
| Average equity | $6,234,330 | 5,868 |
| Average total loans | $39,016,670 | 5,467 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0330% | 844 |
| Cost of funding earning assets | 0.7241% | 2,032 |
| Net interest margin | 4.3088% | 953 |
| Noninterest income to average assets | 0.4806% | 3,919 |
| Noninterest expense to average assets | 3.2040% | 2,341 |
| Loan and lease loss provision to assets | 0.1105% | 2,854 |
| Net operating income to assets | 1.1435% | 1,707 |
| Return on assets (ROA) | 1.4750% | 983 |
| Pretax return on assets | 1.4750% | 1,636 |
| Return on Equity (ROE) | 16.7071% | 538 |
| Retained earnings to average equity (ytd only) | 16.7071% | 245 |
| Net charge-offs to loans | -0.0103% | 5,452 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5254% | 4,215 |
| Assets per employee ($millions) | 2.9909% | 6,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7579% | 2,776 |
| Loan loss allowance to noncurrent loans | 692.9293% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 5,902 |
| Noncurrent loans to loans | 0.2537% | 5,778 |
| Net loans and leases to total assets | 53.4089% | 4,497 |
| Net loans and leases to deposits | 59.4876% | 4,853 |
| Net loans and leases to core deposits | 61.0672% | 5,050 |
| Total domestic deposits to total assets | 89.7816% | 1,176 |
| Equity capital to assets | 9.0357% | 5,439 |
| Core capital (leverage) ratio | 8.1325% | 6,013 |
| Tier 1 risk-based capital ratio | 12.9739% | 5,241 |
| Total risk-based capital ratio | 14.0657% | 5,306 |
| Memoranda: | ||
| Average total assets | $72,409,000 | 5,552 |
| Average earning assets | $66,839,500 | 5,520 |
| Average equity | $6,392,500 | 5,889 |
| Average total loans | $38,661,500 | 5,520 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6292% | 2,881 |
| Cost of funding earning assets | 0.9131% | 1,858 |
| Net interest margin | 3.7161% | 3,577 |
| Noninterest income to average assets | 0.4665% | 4,130 |
| Noninterest expense to average assets | 3.0038% | 3,258 |
| Loan and lease loss provision to assets | 0.2681% | 2,500 |
| Net operating income to assets | 0.3841% | 5,162 |
| Return on assets (ROA) | 0.4879% | 4,986 |
| Pretax return on assets | 0.7935% | 4,317 |
| Return on Equity (ROE) | 6.0477% | 4,146 |
| Retained earnings to average equity (ytd only) | 6.0477% | 2,050 |
| Net charge-offs to loans | 0.1586% | 4,113 |
| Credit loss provision to net charge-offs | 350.8772% | 694 |
| Earnings coverage of net charge-offs (x) | 11.7719% | 1,998 |
| Efficiency ratio | 73.3173% | 3,188 |
| Assets per employee ($millions) | 3.1755% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7363% | 2,800 |
| Loan loss allowance to noncurrent loans | 1,955.8824% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 6,250 |
| Noncurrent loans to loans | 0.0888% | 6,264 |
| Net loans and leases to total assets | 51.5280% | 4,975 |
| Net loans and leases to deposits | 57.7111% | 5,278 |
| Net loans and leases to core deposits | 59.2270% | 5,430 |
| Total domestic deposits to total assets | 89.2861% | 1,381 |
| Equity capital to assets | 8.6245% | 5,939 |
| Core capital (leverage) ratio | 7.5512% | 6,473 |
| Tier 1 risk-based capital ratio | 11.9885% | 5,799 |
| Total risk-based capital ratio | 13.2390% | 5,749 |
| Memoranda: | ||
| Average total assets | $74,604,400 | 5,493 |
| Average earning assets | $68,997,000 | 5,465 |
| Average equity | $6,018,800 | 6,019 |
| Average total loans | $35,935,200 | 5,683 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4986% | 3,644 |
| Cost of funding earning assets | 0.9540% | 1,834 |
| Net interest margin | 3.5446% | 4,463 |
| Noninterest income to average assets | 0.4533% | 4,267 |
| Noninterest expense to average assets | 3.2338% | 2,472 |
| Loan and lease loss provision to assets | 0.2489% | 2,573 |
| Net operating income to assets | 0.2471% | 5,787 |
| Return on assets (ROA) | 0.4480% | 5,291 |
| Pretax return on assets | 0.4480% | 5,605 |
| Return on Equity (ROE) | 5.6481% | 4,510 |
| Retained earnings to average equity (ytd only) | 5.6481% | 2,927 |
| Net charge-offs to loans | 0.2301% | 3,342 |
| Credit loss provision to net charge-offs | 229.5082% | 1,204 |
| Earnings coverage of net charge-offs (x) | 4.5738% | 3,268 |
| Efficiency ratio | 82.8885% | 1,714 |
| Assets per employee ($millions) | 3.2460% | 5,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6261% | 3,427 |
| Loan loss allowance to noncurrent loans | 182.9268% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.5197% | 5,376 |
| Noncurrent loans to loans | 0.8889% | 4,653 |
| Net loans and leases to total assets | 48.6197% | 5,474 |
| Net loans and leases to deposits | 53.5622% | 5,839 |
| Net loans and leases to core deposits | 54.7036% | 5,991 |
| Total domestic deposits to total assets | 90.7725% | 489 |
| Equity capital to assets | 8.1962% | 6,488 |
| Core capital (leverage) ratio | 7.2509% | 6,731 |
| Tier 1 risk-based capital ratio | 11.8522% | 6,025 |
| Total risk-based capital ratio | 13.1030% | 6,007 |
| Memoranda: | ||
| Average total assets | $74,996,500 | 5,547 |
| Average earning assets | $69,324,000 | 5,516 |
| Average equity | $5,948,750 | 6,105 |
| Average total loans | $35,344,250 | 5,780 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3987% | 4,192 |
| Cost of funding earning assets | 0.9967% | 1,783 |
| Net interest margin | 3.4020% | 5,081 |
| Noninterest income to average assets | 0.4607% | 4,200 |
| Noninterest expense to average assets | 3.0302% | 3,151 |
| Loan and lease loss provision to assets | 0.3195% | 2,070 |
| Net operating income to assets | 0.2556% | 5,748 |
| Return on assets (ROA) | 0.4820% | 5,151 |
| Pretax return on assets | 0.4820% | 5,491 |
| Return on Equity (ROE) | 6.1439% | 4,250 |
| Retained earnings to average equity (ytd only) | 6.1439% | 2,616 |
| Net charge-offs to loans | 0.0057% | 5,409 |
| Credit loss provision to net charge-offs | 12,000.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 216.0000% | 204 |
| Efficiency ratio | 80.1329% | 2,150 |
| Assets per employee ($millions) | 3.2500% | 5,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7207% | 3,143 |
| Loan loss allowance to noncurrent loans | 173.2432% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.8348% | 4,719 |
| Noncurrent loans to loans | 0.9932% | 4,515 |
| Net loans and leases to total assets | 48.9779% | 5,488 |
| Net loans and leases to deposits | 54.1359% | 5,852 |
| Net loans and leases to core deposits | 55.5571% | 5,977 |
| Total domestic deposits to total assets | 90.4722% | 684 |
| Equity capital to assets | 8.1324% | 6,497 |
| Core capital (leverage) ratio | 7.0775% | 6,798 |
| Tier 1 risk-based capital ratio | 11.6373% | 6,152 |
| Total risk-based capital ratio | 12.6669% | 6,243 |
| Memoranda: | ||
| Average total assets | $75,109,670 | 5,573 |
| Average earning assets | $69,430,330 | 5,546 |
| Average equity | $5,892,000 | 6,146 |
| Average total loans | $34,826,330 | 5,836 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2925% | 4,767 |
| Cost of funding earning assets | 1.0215% | 1,858 |
| Net interest margin | 3.2710% | 5,570 |
| Noninterest income to average assets | 0.4250% | 4,483 |
| Noninterest expense to average assets | 3.0336% | 3,141 |
| Loan and lease loss provision to assets | 0.3188% | 1,966 |
| Net operating income to assets | 0.1009% | 6,237 |
| Return on assets (ROA) | 0.1116% | 6,340 |
| Pretax return on assets | 0.1116% | 6,365 |
| Return on Equity (ROE) | 1.4487% | 6,235 |
| Retained earnings to average equity (ytd only) | 1.4487% | 5,509 |
| Net charge-offs to loans | 0.4998% | 1,840 |
| Credit loss provision to net charge-offs | 142.8571% | 1,723 |
| Earnings coverage of net charge-offs (x) | 1.8810% | 3,392 |
| Efficiency ratio | 83.6923% | 1,716 |
| Assets per employee ($millions) | 3.2948% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5684% | 3,857 |
| Loan loss allowance to noncurrent loans | 132.0293% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 5,526 |
| Noncurrent loans to loans | 1.1879% | 4,348 |
| Net loans and leases to total assets | 44.7223% | 5,928 |
| Net loans and leases to deposits | 49.2130% | 6,203 |
| Net loans and leases to core deposits | 50.4285% | 6,310 |
| Total domestic deposits to total assets | 90.8750% | 609 |
| Equity capital to assets | 7.7157% | 6,684 |
| Core capital (leverage) ratio | 6.8047% | 6,905 |
| Tier 1 risk-based capital ratio | 12.1431% | 5,865 |
| Total risk-based capital ratio | 13.1730% | 6,009 |
| Memoranda: | ||
| Average total assets | $75,289,500 | 5,607 |
| Average earning assets | $69,703,500 | 5,573 |
| Average equity | $5,798,500 | 6,199 |
| Average total loans | $33,613,500 | 5,931 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2558% | 1,849 |
| Cost of funding earning assets | 1.4196% | 958 |
| Net interest margin | 3.8361% | 3,645 |
| Noninterest income to average assets | 0.3430% | 5,073 |
| Noninterest expense to average assets | 3.2305% | 2,765 |
| Loan and lease loss provision to assets | 0.3154% | 3,154 |
| Net operating income to assets | 0.1603% | 5,704 |
| Return on assets (ROA) | 0.3917% | 5,071 |
| Pretax return on assets | 0.3917% | 5,320 |
| Return on Equity (ROE) | 5.5093% | 4,124 |
| Retained earnings to average equity (ytd only) | 5.5093% | 2,292 |
| Net charge-offs to loans | 0.1762% | 4,739 |
| Credit loss provision to net charge-offs | 387.0968% | 604 |
| Earnings coverage of net charge-offs (x) | 5.8387% | 2,668 |
| Efficiency ratio | 83.4043% | 1,831 |
| Assets per employee ($millions) | 3.3999% | 5,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 3,630 |
| Loan loss allowance to noncurrent loans | 70.3104% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.3048% | 4,040 |
| Noncurrent loans to loans | 2.2594% | 2,886 |
| Net loans and leases to total assets | 43.1495% | 6,283 |
| Net loans and leases to deposits | 47.4835% | 6,531 |
| Net loans and leases to core deposits | 49.1293% | 6,579 |
| Total domestic deposits to total assets | 90.8728% | 555 |
| Equity capital to assets | 7.6874% | 6,730 |
| Core capital (leverage) ratio | 6.8169% | 6,914 |
| Tier 1 risk-based capital ratio | 12.8272% | 5,218 |
| Total risk-based capital ratio | 14.0759% | 5,197 |
| Memoranda: | ||
| Average total assets | $76,086,600 | 5,562 |
| Average earning assets | $66,707,800 | 5,646 |
| Average equity | $5,409,000 | 6,321 |
| Average total loans | $35,182,200 | 5,905 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5114% | 1,221 |
| Cost of funding earning assets | 1.5064% | 838 |
| Net interest margin | 4.0050% | 2,897 |
| Noninterest income to average assets | 0.4240% | 4,487 |
| Noninterest expense to average assets | 3.1270% | 3,067 |
| Loan and lease loss provision to assets | 0.3141% | 3,020 |
| Net operating income to assets | 0.3469% | 5,218 |
| Return on assets (ROA) | 0.5793% | 4,364 |
| Pretax return on assets | 0.7503% | 4,309 |
| Return on Equity (ROE) | 8.3148% | 2,910 |
| Retained earnings to average equity (ytd only) | 8.3148% | 1,385 |
| Net charge-offs to loans | 0.2571% | 3,825 |
| Credit loss provision to net charge-offs | 260.8696% | 1,092 |
| Earnings coverage of net charge-offs (x) | 6.3332% | 2,572 |
| Efficiency ratio | 76.8057% | 2,702 |
| Assets per employee ($millions) | 3.4237% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 5,115 |
| Loan loss allowance to noncurrent loans | 119.7368% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.9891% | 4,773 |
| Noncurrent loans to loans | 1.0662% | 4,783 |
| Net loans and leases to total assets | 46.7141% | 6,080 |
| Net loans and leases to deposits | 51.3769% | 6,421 |
| Net loans and leases to core deposits | 53.6364% | 6,483 |
| Total domestic deposits to total assets | 90.9243% | 455 |
| Equity capital to assets | 7.7414% | 6,826 |
| Core capital (leverage) ratio | 6.7502% | 7,022 |
| Tier 1 risk-based capital ratio | 12.6860% | 5,343 |
| Total risk-based capital ratio | 13.8333% | 5,403 |
| Memoranda: | ||
| Average total assets | $76,408,750 | 5,598 |
| Average earning assets | $66,116,250 | 5,707 |
| Average equity | $5,323,750 | 6,399 |
| Average total loans | $35,778,750 | 5,936 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6976% | 877 |
| Cost of funding earning assets | 1.6115% | 665 |
| Net interest margin | 4.0861% | 2,463 |
| Noninterest income to average assets | 0.4403% | 4,343 |
| Noninterest expense to average assets | 2.9073% | 3,993 |
| Loan and lease loss provision to assets | 0.3126% | 2,919 |
| Net operating income to assets | 0.4666% | 4,655 |
| Return on assets (ROA) | 0.6070% | 4,160 |
| Pretax return on assets | 0.8623% | 3,788 |
| Return on Equity (ROE) | 9.0403% | 2,495 |
| Retained earnings to average equity (ytd only) | 9.0403% | 1,093 |
| Net charge-offs to loans | 0.3964% | 2,973 |
| Credit loss provision to net charge-offs | 169.0141% | 1,786 |
| Earnings coverage of net charge-offs (x) | 5.2676% | 2,651 |
| Efficiency ratio | 71.3423% | 3,870 |
| Assets per employee ($millions) | 3.2815% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 6,034 |
| Loan loss allowance to noncurrent loans | 90.1376% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 1.4045% | 4,114 |
| Noncurrent loans to loans | 1.1994% | 4,651 |
| Net loans and leases to total assets | 47.6455% | 6,091 |
| Net loans and leases to deposits | 52.2242% | 6,453 |
| Net loans and leases to core deposits | 54.9293% | 6,499 |
| Total domestic deposits to total assets | 91.2327% | 417 |
| Equity capital to assets | 7.3787% | 7,002 |
| Core capital (leverage) ratio | 6.4958% | 7,126 |
| Tier 1 risk-based capital ratio | 12.2748% | 5,540 |
| Total risk-based capital ratio | 13.2583% | 5,751 |
| Memoranda: | ||
| Average total assets | $76,771,000 | 5,628 |
| Average earning assets | $64,658,670 | 5,798 |
| Average equity | $5,154,670 | 6,481 |
| Average total loans | $35,824,670 | 5,976 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9243% | 564 |
| Cost of funding earning assets | 1.7594% | 434 |
| Net interest margin | 4.1649% | 2,012 |
| Noninterest income to average assets | 0.4030% | 4,677 |
| Noninterest expense to average assets | 2.7797% | 4,529 |
| Loan and lease loss provision to assets | 0.3100% | 2,690 |
| Net operating income to assets | 0.6768% | 3,628 |
| Return on assets (ROA) | 0.7647% | 3,265 |
| Pretax return on assets | 0.7647% | 4,039 |
| Return on Equity (ROE) | 11.9656% | 1,472 |
| Retained earnings to average equity (ytd only) | 11.9656% | 742 |
| Net charge-offs to loans | -0.0562% | 6,919 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0960% | 4,248 |
| Assets per employee ($millions) | 3.3781% | 5,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 5,879 |
| Loan loss allowance to noncurrent loans | 70.8839% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.3977% | 4,190 |
| Noncurrent loans to loans | 1.6122% | 4,065 |
| Net loans and leases to total assets | 45.5372% | 6,330 |
| Net loans and leases to deposits | 49.3969% | 6,661 |
| Net loans and leases to core deposits | 51.8517% | 6,686 |
| Total domestic deposits to total assets | 92.1863% | 247 |
| Equity capital to assets | 6.5665% | 7,192 |
| Core capital (leverage) ratio | 6.2560% | 7,215 |
| Tier 1 risk-based capital ratio | 11.6730% | 5,960 |
| Total risk-based capital ratio | 12.6689% | 6,153 |
| Memoranda: | ||
| Average total assets | $77,419,500 | 5,659 |
| Average earning assets | $62,522,000 | 5,916 |
| Average equity | $4,947,500 | 6,583 |
| Average total loans | $35,560,500 | 6,045 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8147% | 1,242 |
| Cost of funding earning assets | 2.0104% | 587 |
| Net interest margin | 3.8043% | 3,921 |
| Noninterest income to average assets | 0.4082% | 4,838 |
| Noninterest expense to average assets | 3.0194% | 3,774 |
| Loan and lease loss provision to assets | 0.4069% | 3,670 |
| Net operating income to assets | 0.1975% | 5,268 |
| Return on assets (ROA) | 0.4241% | 4,574 |
| Pretax return on assets | 0.4241% | 4,870 |
| Return on Equity (ROE) | 6.0535% | 3,581 |
| Retained earnings to average equity (ytd only) | 4.6158% | 2,654 |
| Net charge-offs to loans | 0.6217% | 3,171 |
| Credit loss provision to net charge-offs | 138.2883% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2.0541% | 4,189 |
| Efficiency ratio | 79.4440% | 2,491 |
| Assets per employee ($millions) | 3.2143% | 5,635 |
| Cash dividends to net income (ytd only)* | 23.7500% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 6,477 |
| Loan loss allowance to noncurrent loans | 48.6563% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 1.4272% | 4,202 |
| Noncurrent loans to loans | 2.0011% | 3,561 |
| Net loans and leases to total assets | 45.3540% | 6,608 |
| Net loans and leases to deposits | 49.0591% | 6,902 |
| Net loans and leases to core deposits | 51.4590% | 6,928 |
| Total domestic deposits to total assets | 92.4477% | 193 |
| Equity capital to assets | 6.2132% | 7,312 |
| Core capital (leverage) ratio | 6.1978% | 7,263 |
| Tier 1 risk-based capital ratio | 11.2598% | 6,122 |
| Total risk-based capital ratio | 12.0986% | 6,419 |
| Memoranda: | ||
| Average total assets | $75,445,600 | 5,731 |
| Average earning assets | $63,769,400 | 5,865 |
| Average equity | $5,286,200 | 6,569 |
| Average total loans | $35,709,800 | 6,125 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8198% | 1,341 |
| Cost of funding earning assets | 2.0080% | 732 |
| Net interest margin | 3.8118% | 3,926 |
| Noninterest income to average assets | 0.3945% | 5,007 |
| Noninterest expense to average assets | 2.8684% | 4,213 |
| Loan and lease loss provision to assets | 0.5101% | 2,906 |
| Net operating income to assets | 0.2986% | 5,178 |
| Return on assets (ROA) | 0.5971% | 4,045 |
| Pretax return on assets | 0.5971% | 4,606 |
| Return on Equity (ROE) | 8.2815% | 2,799 |
| Retained earnings to average equity (ytd only) | 6.4084% | 2,134 |
| Net charge-offs to loans | 0.8193% | 2,405 |
| Credit loss provision to net charge-offs | 130.4545% | 3,095 |
| Earnings coverage of net charge-offs (x) | 2.0681% | 4,171 |
| Efficiency ratio | 74.1421% | 3,304 |
| Assets per employee ($millions) | 3.1355% | 5,841 |
| Cash dividends to net income (ytd only)* | 22.6188% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 6,805 |
| Loan loss allowance to noncurrent loans | 128.7402% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.8611% | 5,374 |
| Noncurrent loans to loans | 0.6827% | 5,838 |
| Net loans and leases to total assets | 49.0053% | 6,434 |
| Net loans and leases to deposits | 53.6424% | 6,792 |
| Net loans and leases to core deposits | 55.9344% | 6,861 |
| Total domestic deposits to total assets | 91.3556% | 346 |
| Equity capital to assets | 7.3647% | 7,201 |
| Core capital (leverage) ratio | 6.3353% | 7,376 |
| Tier 1 risk-based capital ratio | 10.8849% | 6,474 |
| Total risk-based capital ratio | 11.6573% | 6,827 |
| Memoranda: | ||
| Average total assets | $75,021,500 | 5,807 |
| Average earning assets | $64,605,750 | 5,904 |
| Average equity | $5,409,500 | 6,618 |
| Average total loans | $35,804,500 | 6,212 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6503% | 1,939 |
| Cost of funding earning assets | 1.9319% | 1,107 |
| Net interest margin | 3.7184% | 4,277 |
| Noninterest income to average assets | 0.3896% | 4,996 |
| Noninterest expense to average assets | 2.8528% | 4,256 |
| Loan and lease loss provision to assets | 0.7125% | 2,041 |
| Net operating income to assets | 0.1681% | 5,669 |
| Return on assets (ROA) | 0.5417% | 4,282 |
| Pretax return on assets | 0.5417% | 4,770 |
| Return on Equity (ROE) | 7.5671% | 3,080 |
| Retained earnings to average equity (ytd only) | 4.7341% | 3,061 |
| Net charge-offs to loans | 0.6452% | 2,607 |
| Credit loss provision to net charge-offs | 234.2105% | 1,648 |
| Earnings coverage of net charge-offs (x) | 2.8947% | 3,550 |
| Efficiency ratio | 72.6233% | 3,720 |
| Assets per employee ($millions) | 3.0708% | 5,993 |
| Cash dividends to net income (ytd only)* | 37.4384% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 5,780 |
| Loan loss allowance to noncurrent loans | 87.8465% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 1.0923% | 4,952 |
| Noncurrent loans to loans | 1.2898% | 4,804 |
| Net loans and leases to total assets | 48.7809% | 6,566 |
| Net loans and leases to deposits | 53.4675% | 6,896 |
| Net loans and leases to core deposits | 55.7994% | 6,949 |
| Total domestic deposits to total assets | 91.2346% | 403 |
| Equity capital to assets | 7.4289% | 7,159 |
| Core capital (leverage) ratio | 5.9960% | 7,480 |
| Tier 1 risk-based capital ratio | 11.2162% | 6,024 |
| Total risk-based capital ratio | 12.2551% | 6,220 |
| Memoranda: | ||
| Average total assets | $74,945,000 | 5,837 |
| Average earning assets | $67,394,670 | 5,848 |
| Average equity | $5,365,330 | 6,662 |
| Average total loans | $35,338,000 | 6,270 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3846% | 3,114 |
| Cost of funding earning assets | 1.9185% | 1,378 |
| Net interest margin | 3.4662% | 5,304 |
| Noninterest income to average assets | 0.3917% | 4,987 |
| Noninterest expense to average assets | 2.8584% | 4,237 |
| Loan and lease loss provision to assets | 0.3176% | 3,511 |
| Net operating income to assets | 0.3335% | 5,150 |
| Return on assets (ROA) | 0.8787% | 2,715 |
| Pretax return on assets | 0.8787% | 3,542 |
| Return on Equity (ROE) | 12.5035% | 1,372 |
| Retained earnings to average equity (ytd only) | 6.7790% | 2,230 |
| Net charge-offs to loans | 0.6202% | 2,268 |
| Credit loss provision to net charge-offs | 111.1111% | 3,111 |
| Earnings coverage of net charge-offs (x) | 2.2778% | 3,400 |
| Efficiency ratio | 77.3756% | 3,001 |
| Assets per employee ($millions) | 3.2155% | 5,734 |
| Cash dividends to net income (ytd only)* | 45.7831% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7448% | 7,259 |
| Loan loss allowance to noncurrent loans | 45.5326% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 1.1908% | 4,792 |
| Noncurrent loans to loans | 1.6358% | 4,294 |
| Net loans and leases to total assets | 45.7608% | 6,845 |
| Net loans and leases to deposits | 49.8588% | 7,131 |
| Net loans and leases to core deposits | 54.0026% | 7,103 |
| Total domestic deposits to total assets | 91.7808% | 295 |
| Equity capital to assets | 6.9545% | 7,392 |
| Core capital (leverage) ratio | 5.9363% | 7,587 |
| Tier 1 risk-based capital ratio | 10.4970% | 6,636 |
| Total risk-based capital ratio | 11.1313% | 7,101 |
| Memoranda: | ||
| Average total assets | $75,568,000 | 5,891 |
| Average earning assets | $67,971,500 | 5,910 |
| Average equity | $5,310,500 | 6,737 |
| Average total loans | $34,825,500 | 6,382 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0639% | 1,627 |
| Cost of funding earning assets | 2.6073% | 764 |
| Net interest margin | 3.4566% | 5,140 |
| Noninterest income to average assets | -0.2964% | 7,894 |
| Noninterest expense to average assets | 3.1742% | 3,466 |
| Loan and lease loss provision to assets | 0.3889% | 4,456 |
| Net operating income to assets | -1.0346% | 6,594 |
| Return on assets (ROA) | -0.4006% | 6,070 |
| Pretax return on assets | -0.2451% | 5,761 |
| Return on Equity (ROE) | -4.8769% | 6,199 |
| Retained earnings to average equity (ytd only) | -11.8261% | 6,663 |
| Net charge-offs to loans | 1.1338% | 2,159 |
| Credit loss provision to net charge-offs | 73.6111% | 6,422 |
| Earnings coverage of net charge-offs (x) | -0.9278% | 6,869 |
| Efficiency ratio | 112.9579% | 744 |
| Assets per employee ($millions) | 3.2158% | 5,688 |
| Cash dividends to net income (ytd only)* | -142.4908% | 7,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7602% | 7,228 |
| Loan loss allowance to noncurrent loans | 20.6539% | 7,031 |
| Noncurrent assets plus other real estate owned to assets | 2.1092% | 3,259 |
| Noncurrent loans to loans | 3.6805% | 2,045 |
| Net loans and leases to total assets | 45.7147% | 7,007 |
| Net loans and leases to deposits | 49.9203% | 7,264 |
| Net loans and leases to core deposits | 69.2840% | 6,815 |
| Total domestic deposits to total assets | 91.5755% | 356 |
| Equity capital to assets | 7.1036% | 7,324 |
| Core capital (leverage) ratio | 5.9553% | 7,640 |
| Tier 1 risk-based capital ratio | 10.5512% | 6,341 |
| Total risk-based capital ratio | 11.1913% | 6,899 |
| Memoranda: | ||
| Average total assets | $68,142,600 | 6,069 |
| Average earning assets | $58,757,400 | 6,184 |
| Average equity | $5,597,800 | 6,742 |
| Average total loans | $31,753,000 | 6,537 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4209% | 885 |
| Cost of funding earning assets | 2.6778% | 841 |
| Net interest margin | 3.7432% | 3,895 |
| Noninterest income to average assets | -0.5898% | 8,051 |
| Noninterest expense to average assets | 3.5168% | 2,238 |
| Loan and lease loss provision to assets | 0.3599% | 4,163 |
| Net operating income to assets | -1.2916% | 7,010 |
| Return on assets (ROA) | -0.7278% | 6,643 |
| Pretax return on assets | -0.7278% | 6,504 |
| Return on Equity (ROE) | -8.5387% | 6,773 |
| Retained earnings to average equity (ytd only) | -16.4676% | 7,210 |
| Net charge-offs to loans | 1.5953% | 1,280 |
| Credit loss provision to net charge-offs | 48.2574% | 6,335 |
| Earnings coverage of net charge-offs (x) | -1.2493% | 6,671 |
| Efficiency ratio | 130.5491% | 470 |
| Assets per employee ($millions) | 3.0643% | 6,001 |
| Cash dividends to net income (ytd only)* | -92.8583% | 7,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4659% | 7,752 |
| Loan loss allowance to noncurrent loans | 21.9645% | 6,985 |
| Noncurrent assets plus other real estate owned to assets | 1.4742% | 4,166 |
| Noncurrent loans to loans | 2.1213% | 3,485 |
| Net loans and leases to total assets | 48.7996% | 6,882 |
| Net loans and leases to deposits | 53.7072% | 7,231 |
| Net loans and leases to core deposits | 77.0763% | 6,554 |
| Total domestic deposits to total assets | 90.8624% | 461 |
| Equity capital to assets | 7.5825% | 7,238 |
| Core capital (leverage) ratio | 5.9043% | 7,817 |
| Tier 1 risk-based capital ratio | 10.3304% | 6,647 |
| Total risk-based capital ratio | 10.7276% | 7,349 |
| Memoranda: | ||
| Average total assets | $66,687,500 | 6,169 |
| Average earning assets | $56,563,500 | 6,312 |
| Average equity | $5,683,750 | 6,786 |
| Average total loans | $31,173,500 | 6,618 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6548% | 593 |
| Cost of funding earning assets | 2.7678% | 858 |
| Net interest margin | 3.8870% | 3,170 |
| Noninterest income to average assets | -1.0791% | 8,160 |
| Noninterest expense to average assets | 3.1212% | 3,619 |
| Loan and lease loss provision to assets | 0.3668% | 3,728 |
| Net operating income to assets | -1.2442% | 7,135 |
| Return on assets (ROA) | -0.8101% | 6,842 |
| Pretax return on assets | -0.8101% | 6,686 |
| Return on Equity (ROE) | -9.1427% | 6,974 |
| Retained earnings to average equity (ytd only) | -17.5953% | 7,379 |
| Net charge-offs to loans | -0.0732% | 7,904 |
| Credit loss provision to net charge-offs | -1,090.9091% | 7,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.1063% | 496 |
| Assets per employee ($millions) | 3.3108% | 5,288 |
| Cash dividends to net income (ytd only)* | -92.4528% | 8,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 3,573 |
| Loan loss allowance to noncurrent loans | 32.7040% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 2.1926% | 2,945 |
| Noncurrent loans to loans | 4.3736% | 1,481 |
| Net loans and leases to total assets | 45.8874% | 7,201 |
| Net loans and leases to deposits | 50.3184% | 7,474 |
| Net loans and leases to core deposits | 69.0615% | 7,075 |
| Total domestic deposits to total assets | 91.1940% | 407 |
| Equity capital to assets | 7.3356% | 7,393 |
| Core capital (leverage) ratio | 6.0491% | 7,913 |
| Tier 1 risk-based capital ratio | 10.6552% | 6,228 |
| Total risk-based capital ratio | 11.8426% | 6,239 |
| Memoranda: | ||
| Average total assets | $65,424,000 | 6,247 |
| Average earning assets | $55,929,330 | 6,391 |
| Average equity | $5,797,000 | 6,798 |
| Average total loans | $30,046,670 | 6,732 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6209% | 144 |
| Cost of funding earning assets | 3.0055% | 595 |
| Net interest margin | 4.6154% | 915 |
| Noninterest income to average assets | 0.3241% | 5,862 |
| Noninterest expense to average assets | 3.2211% | 2,895 |
| Loan and lease loss provision to assets | 0.3889% | 2,995 |
| Net operating income to assets | 0.6694% | 3,711 |
| Return on assets (ROA) | 0.7777% | 3,393 |
| Pretax return on assets | 0.8879% | 3,760 |
| Return on Equity (ROE) | 7.9681% | 3,167 |
| Retained earnings to average equity (ytd only) | -0.3320% | 5,723 |
| Net charge-offs to loans | 0.1280% | 3,938 |
| Credit loss provision to net charge-offs | 666.6667% | 867 |
| Earnings coverage of net charge-offs (x) | 19.7778% | 1,407 |
| Efficiency ratio | 70.9630% | 4,380 |
| Assets per employee ($millions) | 3.0091% | 6,128 |
| Cash dividends to net income (ytd only)* | 104.1667% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 4,583 |
| Loan loss allowance to noncurrent loans | 215.4255% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5497% | 5,821 |
| Noncurrent loans to loans | 0.5713% | 5,983 |
| Net loans and leases to total assets | 45.0089% | 7,261 |
| Net loans and leases to deposits | 49.7863% | 7,504 |
| Net loans and leases to core deposits | 67.4000% | 7,167 |
| Total domestic deposits to total assets | 90.4042% | 638 |
| Equity capital to assets | 8.2471% | 6,470 |
| Core capital (leverage) ratio | 6.6057% | 7,835 |
| Tier 1 risk-based capital ratio | 12.2923% | 4,711 |
| Total risk-based capital ratio | 13.3228% | 4,793 |
| Memoranda: | ||
| Average total assets | $61,717,500 | 6,414 |
| Average earning assets | $54,166,500 | 6,492 |
| Average equity | $6,024,000 | 6,751 |
| Average total loans | $28,116,000 | 6,875 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7072% | 2,003 |
| Cost of funding earning assets | 2.8819% | 2,346 |
| Net interest margin | 3.8254% | 3,915 |
| Noninterest income to average assets | 0.3767% | 5,676 |
| Noninterest expense to average assets | 2.1507% | 7,110 |
| Loan and lease loss provision to assets | 0.4584% | 2,997 |
| Net operating income to assets | 1.1622% | 1,897 |
| Return on assets (ROA) | 1.4032% | 1,176 |
| Pretax return on assets | 1.6085% | 1,360 |
| Return on Equity (ROE) | 11.9679% | 1,603 |
| Retained earnings to average equity (ytd only) | 1.7680% | 4,144 |
| Net charge-offs to loans | 0.3721% | 2,979 |
| Credit loss provision to net charge-offs | 261.3636% | 1,774 |
| Earnings coverage of net charge-offs (x) | 10.2045% | 2,558 |
| Efficiency ratio | 54.5776% | 7,202 |
| Assets per employee ($millions) | 5.1216% | 1,808 |
| Cash dividends to net income (ytd only)* | 85.2273% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 2,595 |
| Loan loss allowance to noncurrent loans | 202.2857% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4647% | 5,829 |
| Noncurrent loans to loans | 0.7504% | 5,151 |
| Net loans and leases to total assets | 44.8454% | 7,412 |
| Net loans and leases to deposits | 55.3593% | 7,365 |
| Net loans and leases to core deposits | 74.3397% | 6,953 |
| Total domestic deposits to total assets | 81.0079% | 4,636 |
| Equity capital to assets | 11.8947% | 2,360 |
| Core capital (leverage) ratio | 11.3379% | 2,345 |
| Tier 1 risk-based capital ratio | 23.4196% | 1,147 |
| Total risk-based capital ratio | 24.6712% | 1,122 |
| Memoranda: | ||
| Average total assets | $50,170,800 | 6,766 |
| Average earning assets | $46,740,600 | 6,723 |
| Average equity | $5,882,400 | 6,845 |
| Average total loans | $23,648,600 | 7,097 |