Home > The Peoples Bank of Georgia > Performance and Condition Ratios
The Peoples Bank of Georgia, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4665% | 359 |
| Cost of funding earning assets | 1.4272% | 2,155 |
| Net interest margin | 5.0393% | 303 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 3.2930% | 744 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.3124% | 1,411 |
| Return on assets (ROA) | 1.3124% | 1,378 |
| Pretax return on assets | 1.7155% | 1,035 |
| Return on Equity (ROE) | 16.1700% | 1,068 |
| Retained earnings to average equity (ytd only) | 14.6270% | 358 |
| Net charge-offs to loans | 0.0493% | 1,374 |
| Credit loss provision to net charge-offs | 303.0769% | 955 |
| Earnings coverage of net charge-offs (x) | 47.2000% | 1,329 |
| Efficiency ratio | 63.6277% | 2,649 |
| Assets per employee ($millions) | 4.6191% | 3,881 |
| Cash dividends to net income (ytd only)* | 9.5372% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 3,623 |
| Loan loss allowance to noncurrent loans | 107.1667% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.7216% | 718 |
| Noncurrent loans to loans | 0.8647% | 884 |
| Net loans and leases to total assets | 82.6800% | 377 |
| Net loans and leases to deposits | 90.9065% | 1,191 |
| Net loans and leases to core deposits | 98.3539% | 1,527 |
| Total domestic deposits to total assets | 90.9500% | 521 |
| Equity capital to assets | 8.6410% | 2,940 |
| Core capital (leverage) ratio | 9.5877% | 3,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $162,982,600 | 3,251 |
| Average earning assets | $151,766,200 | 3,236 |
| Average equity | $13,229,000 | 3,404 |
| Average total loans | $131,754,000 | 2,847 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2677% | 379 |
| Cost of funding earning assets | 1.2633% | 2,244 |
| Net interest margin | 5.0045% | 305 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 3.2741% | 746 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.3369% | 1,453 |
| Return on assets (ROA) | 1.3369% | 1,436 |
| Pretax return on assets | 1.7481% | 1,087 |
| Return on Equity (ROE) | 16.7500% | 1,121 |
| Retained earnings to average equity (ytd only) | 15.0800% | 545 |
| Net charge-offs to loans | 0.0441% | 1,258 |
| Credit loss provision to net charge-offs | 186.0465% | 1,169 |
| Earnings coverage of net charge-offs (x) | 53.0465% | 1,277 |
| Efficiency ratio | 63.5798% | 2,551 |
| Assets per employee ($millions) | 4.6282% | 3,864 |
| Cash dividends to net income (ytd only)* | 9.9631% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8838% | 3,784 |
| Loan loss allowance to noncurrent loans | 112.6774% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.6344% | 917 |
| Noncurrent loans to loans | 0.7844% | 1,059 |
| Net loans and leases to total assets | 80.1600% | 623 |
| Net loans and leases to deposits | 91.2922% | 1,115 |
| Net loans and leases to core deposits | 99.4201% | 1,350 |
| Total domestic deposits to total assets | 87.8100% | 1,639 |
| Equity capital to assets | 8.0605% | 3,018 |
| Core capital (leverage) ratio | 9.4939% | 3,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $162,156,250 | 3,264 |
| Average earning assets | $151,034,250 | 3,256 |
| Average equity | $12,944,000 | 3,427 |
| Average total loans | $129,999,250 | 2,863 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0602% | 414 |
| Cost of funding earning assets | 1.0399% | 2,480 |
| Net interest margin | 5.0203% | 304 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 3.2140% | 777 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.3705% | 1,401 |
| Return on assets (ROA) | 1.3705% | 1,378 |
| Pretax return on assets | 1.7925% | 1,025 |
| Return on Equity (ROE) | 17.2300% | 1,055 |
| Retained earnings to average equity (ytd only) | 16.0382% | 469 |
| Net charge-offs to loans | -0.0078% | 3,836 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.3370% | 2,672 |
| Assets per employee ($millions) | 4.5333% | 3,929 |
| Cash dividends to net income (ytd only)* | 6.9028% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 3,582 |
| Loan loss allowance to noncurrent loans | 114.9146% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.6820% | 768 |
| Noncurrent loans to loans | 0.8335% | 918 |
| Net loans and leases to total assets | 81.0400% | 515 |
| Net loans and leases to deposits | 92.2095% | 1,009 |
| Net loans and leases to core deposits | 101.5752% | 1,155 |
| Total domestic deposits to total assets | 87.8900% | 1,647 |
| Equity capital to assets | 8.1061% | 3,150 |
| Core capital (leverage) ratio | 9.4882% | 3,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $160,670,333 | 3,288 |
| Average earning assets | $149,632,000 | 3,273 |
| Average equity | $12,782,000 | 3,460 |
| Average total loans | $128,413,333 | 2,868 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8516% | 388 |
| Cost of funding earning assets | 0.8775% | 2,445 |
| Net interest margin | 4.9741% | 306 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 3.1291% | 896 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.3826% | 1,456 |
| Return on assets (ROA) | 1.3826% | 1,426 |
| Pretax return on assets | 1.8067% | 1,054 |
| Return on Equity (ROE) | 17.5500% | 1,094 |
| Retained earnings to average equity (ytd only) | 15.1292% | 787 |
| Net charge-offs to loans | 0.0064% | 1,721 |
| Credit loss provision to net charge-offs | 3,500.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 395.0000% | 279 |
| Efficiency ratio | 61.2175% | 2,787 |
| Assets per employee ($millions) | 4.4731% | 4,036 |
| Cash dividends to net income (ytd only)* | 13.7931% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 3,701 |
| Loan loss allowance to noncurrent loans | 93.7117% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.8098% | 588 |
| Noncurrent loans to loans | 1.0185% | 716 |
| Net loans and leases to total assets | 78.7500% | 680 |
| Net loans and leases to deposits | 85.8887% | 1,358 |
| Net loans and leases to core deposits | 96.7453% | 1,242 |
| Total domestic deposits to total assets | 91.6800% | 595 |
| Equity capital to assets | 8.0183% | 3,228 |
| Core capital (leverage) ratio | 9.3412% | 3,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $159,406,500 | 3,343 |
| Average earning assets | $148,610,000 | 3,327 |
| Average equity | $12,558,500 | 3,514 |
| Average total loans | $125,851,500 | 2,923 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5923% | 138 |
| Cost of funding earning assets | 0.3551% | 2,439 |
| Net interest margin | 5.2373% | 113 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 3.4895% | 496 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.3528% | 1,272 |
| Return on assets (ROA) | 1.3528% | 1,231 |
| Pretax return on assets | 1.7696% | 786 |
| Return on Equity (ROE) | 16.9600% | 868 |
| Retained earnings to average equity (ytd only) | 15.2533% | 273 |
| Net charge-offs to loans | 0.0382% | 1,331 |
| Credit loss provision to net charge-offs | 397.7273% | 781 |
| Earnings coverage of net charge-offs (x) | 63.1364% | 1,218 |
| Efficiency ratio | 64.8843% | 2,376 |
| Assets per employee ($millions) | 4.5081% | 4,036 |
| Cash dividends to net income (ytd only)* | 10.0503% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8708% | 3,868 |
| Loan loss allowance to noncurrent loans | 127.6066% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 920 |
| Noncurrent loans to loans | 0.6824% | 1,096 |
| Net loans and leases to total assets | 77.7000% | 827 |
| Net loans and leases to deposits | 84.5963% | 1,414 |
| Net loans and leases to core deposits | 102.6707% | 867 |
| Total domestic deposits to total assets | 91.8500% | 677 |
| Equity capital to assets | 7.7354% | 3,223 |
| Core capital (leverage) ratio | 9.2307% | 3,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $147,099,400 | 3,468 |
| Average earning assets | $136,598,400 | 3,453 |
| Average equity | $11,735,200 | 3,691 |
| Average total loans | $115,039,600 | 2,976 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5160% | 112 |
| Cost of funding earning assets | 0.2595% | 2,606 |
| Net interest margin | 5.2565% | 93 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 3.4711% | 502 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.4124% | 1,052 |
| Return on assets (ROA) | 1.4124% | 1,026 |
| Pretax return on assets | 1.8260% | 692 |
| Return on Equity (ROE) | 17.5600% | 697 |
| Retained earnings to average equity (ytd only) | 16.2162% | 264 |
| Net charge-offs to loans | 0.0803% | 740 |
| Credit loss provision to net charge-offs | 176.4706% | 1,041 |
| Earnings coverage of net charge-offs (x) | 30.8529% | 1,511 |
| Efficiency ratio | 64.1857% | 2,520 |
| Assets per employee ($millions) | 4.2279% | 4,205 |
| Cash dividends to net income (ytd only)* | 7.6471% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8226% | 4,037 |
| Loan loss allowance to noncurrent loans | 115.2425% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 892 |
| Noncurrent loans to loans | 0.7138% | 1,147 |
| Net loans and leases to total assets | 81.3100% | 422 |
| Net loans and leases to deposits | 90.1582% | 883 |
| Net loans and leases to core deposits | 106.5331% | 574 |
| Total domestic deposits to total assets | 90.1900% | 1,574 |
| Equity capital to assets | 7.8830% | 2,971 |
| Core capital (leverage) ratio | 9.3126% | 3,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $144,428,750 | 3,521 |
| Average earning assets | $134,103,750 | 3,502 |
| Average equity | $11,617,750 | 3,753 |
| Average total loans | $112,881,000 | 3,013 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4652% | 102 |
| Cost of funding earning assets | 0.2451% | 2,331 |
| Net interest margin | 5.2202% | 89 |
| Noninterest income to average assets | 0.5487% | 1,955 |
| Noninterest expense to average assets | 3.4165% | 471 |
| Loan and lease loss provision to assets | 0.0768% | 1,258 |
| Net operating income to assets | 1.4716% | 758 |
| Return on assets (ROA) | 1.4716% | 738 |
| Pretax return on assets | 1.9030% | 464 |
| Return on Equity (ROE) | 18.1693% | 455 |
| Retained earnings to average equity (ytd only) | 16.1524% | 182 |
| Net charge-offs to loans | 0.1127% | 538 |
| Credit loss provision to net charge-offs | 88.7097% | 1,349 |
| Earnings coverage of net charge-offs (x) | 22.8710% | 1,499 |
| Efficiency ratio | 63.3118% | 2,867 |
| Assets per employee ($millions) | 4.0561% | 4,340 |
| Cash dividends to net income (ytd only)* | 11.1006% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8067% | 4,163 |
| Loan loss allowance to noncurrent loans | 102.2876% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.6396% | 863 |
| Noncurrent loans to loans | 0.7887% | 1,090 |
| Net loans and leases to total assets | 79.0701% | 476 |
| Net loans and leases to deposits | 85.9198% | 979 |
| Net loans and leases to core deposits | 105.0468% | 479 |
| Total domestic deposits to total assets | 92.0279% | 820 |
| Equity capital to assets | 7.7694% | 3,294 |
| Core capital (leverage) ratio | 8.8626% | 3,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,246,000 | 3,571 |
| Average earning assets | $133,022,667 | 3,564 |
| Average equity | $11,602,000 | 3,827 |
| Average total loans | $110,066,333 | 3,060 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4402% | 97 |
| Cost of funding earning assets | 0.2307% | 2,388 |
| Net interest margin | 5.2095% | 85 |
| Noninterest income to average assets | 0.5611% | 1,864 |
| Noninterest expense to average assets | 3.3216% | 519 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6072% | 499 |
| Return on assets (ROA) | 1.6072% | 498 |
| Pretax return on assets | 2.0781% | 311 |
| Return on Equity (ROE) | 19.4365% | 248 |
| Retained earnings to average equity (ytd only) | 16.7768% | 192 |
| Net charge-offs to loans | 0.1759% | 340 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 15.6809% | 1,346 |
| Efficiency ratio | 61.5144% | 3,326 |
| Assets per employee ($millions) | 4.2637% | 4,273 |
| Cash dividends to net income (ytd only)* | 13.6842% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8170% | 4,213 |
| Loan loss allowance to noncurrent loans | 92.2051% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 907 |
| Noncurrent loans to loans | 0.8861% | 1,048 |
| Net loans and leases to total assets | 73.1302% | 726 |
| Net loans and leases to deposits | 79.5303% | 1,179 |
| Net loans and leases to core deposits | 94.7047% | 702 |
| Total domestic deposits to total assets | 91.9527% | 591 |
| Equity capital to assets | 7.7625% | 3,758 |
| Core capital (leverage) ratio | 8.8496% | 3,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,858,500 | 3,599 |
| Average earning assets | $131,759,000 | 3,596 |
| Average equity | $11,730,500 | 3,886 |
| Average total loans | $106,900,500 | 3,099 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7931% | 98 |
| Cost of funding earning assets | 0.2913% | 2,491 |
| Net interest margin | 5.5018% | 84 |
| Noninterest income to average assets | 0.5562% | 2,333 |
| Noninterest expense to average assets | 3.6062% | 429 |
| Loan and lease loss provision to assets | 0.2648% | 335 |
| Net operating income to assets | 1.4156% | 1,231 |
| Return on assets (ROA) | 1.4849% | 1,101 |
| Pretax return on assets | 1.8484% | 819 |
| Return on Equity (ROE) | 16.0832% | 744 |
| Retained earnings to average equity (ytd only) | 14.5222% | 266 |
| Net charge-offs to loans | 0.0360% | 1,530 |
| Credit loss provision to net charge-offs | 990.9091% | 540 |
| Earnings coverage of net charge-offs (x) | 75.8485% | 1,026 |
| Efficiency ratio | 64.0218% | 2,561 |
| Assets per employee ($millions) | 4.4829% | 4,128 |
| Cash dividends to net income (ytd only)* | 9.7056% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9116% | 4,032 |
| Loan loss allowance to noncurrent loans | 87.6738% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.8023% | 749 |
| Noncurrent loans to loans | 1.0398% | 947 |
| Net loans and leases to total assets | 76.4563% | 488 |
| Net loans and leases to deposits | 84.2197% | 894 |
| Net loans and leases to core deposits | 102.9476% | 437 |
| Total domestic deposits to total assets | 90.7819% | 587 |
| Equity capital to assets | 8.8314% | 3,779 |
| Core capital (leverage) ratio | 9.0965% | 3,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,510,200 | 3,765 |
| Average earning assets | $113,962,400 | 3,761 |
| Average equity | $11,403,200 | 3,991 |
| Average total loans | $91,603,000 | 3,316 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7383% | 115 |
| Cost of funding earning assets | 0.3032% | 2,565 |
| Net interest margin | 5.4351% | 93 |
| Noninterest income to average assets | 0.5564% | 2,388 |
| Noninterest expense to average assets | 3.5163% | 451 |
| Loan and lease loss provision to assets | 0.3055% | 259 |
| Net operating income to assets | 1.3541% | 1,676 |
| Return on assets (ROA) | 1.4474% | 1,466 |
| Pretax return on assets | 1.8603% | 1,023 |
| Return on Equity (ROE) | 15.4895% | 1,044 |
| Retained earnings to average equity (ytd only) | 13.8591% | 520 |
| Net charge-offs to loans | 0.0662% | 982 |
| Credit loss provision to net charge-offs | 629.5455% | 687 |
| Earnings coverage of net charge-offs (x) | 42.1591% | 1,334 |
| Efficiency ratio | 63.1944% | 2,510 |
| Assets per employee ($millions) | 4.1637% | 4,353 |
| Cash dividends to net income (ytd only)* | 10.5263% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 4,227 |
| Loan loss allowance to noncurrent loans | 84.9328% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 883 |
| Noncurrent loans to loans | 1.0244% | 1,117 |
| Net loans and leases to total assets | 78.1181% | 398 |
| Net loans and leases to deposits | 86.2297% | 816 |
| Net loans and leases to core deposits | 106.7254% | 394 |
| Total domestic deposits to total assets | 90.5931% | 510 |
| Equity capital to assets | 8.9777% | 3,852 |
| Core capital (leverage) ratio | 9.1439% | 3,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,766,250 | 3,834 |
| Average earning assets | $111,273,000 | 3,841 |
| Average equity | $11,284,750 | 4,058 |
| Average total loans | $88,561,500 | 3,402 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7019% | 132 |
| Cost of funding earning assets | 0.3153% | 2,637 |
| Net interest margin | 5.3866% | 112 |
| Noninterest income to average assets | 0.5458% | 2,422 |
| Noninterest expense to average assets | 3.5035% | 468 |
| Loan and lease loss provision to assets | 0.4424% | 128 |
| Net operating income to assets | 1.2102% | 2,153 |
| Return on assets (ROA) | 1.2933% | 1,958 |
| Pretax return on assets | 1.6560% | 1,594 |
| Return on Equity (ROE) | 13.6449% | 1,520 |
| Retained earnings to average equity (ytd only) | 11.9281% | 932 |
| Net charge-offs to loans | 0.1212% | 644 |
| Credit loss provision to net charge-offs | 511.7647% | 673 |
| Earnings coverage of net charge-offs (x) | 23.0588% | 1,472 |
| Efficiency ratio | 63.7373% | 2,464 |
| Assets per employee ($millions) | 4.1473% | 4,365 |
| Cash dividends to net income (ytd only)* | 12.5819% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 4,076 |
| Loan loss allowance to noncurrent loans | 86.5462% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.8005% | 1,009 |
| Noncurrent loans to loans | 1.0690% | 1,138 |
| Net loans and leases to total assets | 74.1910% | 733 |
| Net loans and leases to deposits | 81.9421% | 1,230 |
| Net loans and leases to core deposits | 103.2320% | 553 |
| Total domestic deposits to total assets | 90.5408% | 540 |
| Equity capital to assets | 9.1900% | 3,609 |
| Core capital (leverage) ratio | 9.5102% | 2,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,996,667 | 3,879 |
| Average earning assets | $108,454,333 | 3,891 |
| Average equity | $11,183,667 | 4,078 |
| Average total loans | $84,176,667 | 3,475 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8338% | 133 |
| Cost of funding earning assets | 0.3387% | 2,639 |
| Net interest margin | 5.4951% | 104 |
| Noninterest income to average assets | 0.5018% | 2,606 |
| Noninterest expense to average assets | 3.4220% | 515 |
| Loan and lease loss provision to assets | 0.6412% | 89 |
| Net operating income to assets | 1.1538% | 2,321 |
| Return on assets (ROA) | 1.1291% | 2,463 |
| Pretax return on assets | 1.4392% | 2,171 |
| Return on Equity (ROE) | 11.7195% | 2,116 |
| Retained earnings to average equity (ytd only) | 10.0194% | 1,643 |
| Net charge-offs to loans | 0.2912% | 286 |
| Credit loss provision to net charge-offs | 317.2414% | 734 |
| Earnings coverage of net charge-offs (x) | 10.4483% | 1,497 |
| Efficiency ratio | 61.8388% | 2,785 |
| Assets per employee ($millions) | 4.0811% | 4,429 |
| Cash dividends to net income (ytd only)* | 14.5062% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 3,952 |
| Loan loss allowance to noncurrent loans | 84.2904% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 0.8466% | 1,052 |
| Noncurrent loans to loans | 1.1559% | 1,149 |
| Net loans and leases to total assets | 66.8131% | 1,684 |
| Net loans and leases to deposits | 74.0012% | 2,120 |
| Net loans and leases to core deposits | 94.8528% | 932 |
| Total domestic deposits to total assets | 90.2865% | 675 |
| Equity capital to assets | 9.4177% | 3,277 |
| Core capital (leverage) ratio | 9.9060% | 2,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,786,000 | 3,916 |
| Average earning assets | $105,111,500 | 3,926 |
| Average equity | $11,058,500 | 4,103 |
| Average total loans | $79,680,500 | 3,570 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8483% | 111 |
| Cost of funding earning assets | 0.6857% | 1,801 |
| Net interest margin | 5.1626% | 99 |
| Noninterest income to average assets | 0.5503% | 2,418 |
| Noninterest expense to average assets | 3.8247% | 447 |
| Loan and lease loss provision to assets | 0.3588% | 946 |
| Net operating income to assets | 0.8330% | 2,968 |
| Return on assets (ROA) | 0.8600% | 3,001 |
| Pretax return on assets | 1.0945% | 2,716 |
| Return on Equity (ROE) | 8.5730% | 2,567 |
| Retained earnings to average equity (ytd only) | 6.7645% | 1,477 |
| Net charge-offs to loans | 0.2362% | 742 |
| Credit loss provision to net charge-offs | 213.0952% | 2,099 |
| Earnings coverage of net charge-offs (x) | 8.4286% | 2,603 |
| Efficiency ratio | 72.9358% | 1,579 |
| Assets per employee ($millions) | 3.8352% | 4,481 |
| Cash dividends to net income (ytd only)* | 21.0956% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8200% | 4,386 |
| Loan loss allowance to noncurrent loans | 63.0561% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.0250% | 920 |
| Noncurrent loans to loans | 1.3005% | 1,049 |
| Net loans and leases to total assets | 70.9012% | 1,439 |
| Net loans and leases to deposits | 78.8972% | 1,983 |
| Net loans and leases to core deposits | 101.1428% | 853 |
| Total domestic deposits to total assets | 89.8652% | 617 |
| Equity capital to assets | 9.8641% | 3,251 |
| Core capital (leverage) ratio | 9.8270% | 2,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,772,400 | 4,001 |
| Average earning assets | $90,710,600 | 4,019 |
| Average equity | $10,008,200 | 4,193 |
| Average total loans | $71,114,600 | 3,712 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8678% | 129 |
| Cost of funding earning assets | 0.7638% | 1,658 |
| Net interest margin | 5.1040% | 118 |
| Noninterest income to average assets | 0.5338% | 2,452 |
| Noninterest expense to average assets | 3.7807% | 467 |
| Loan and lease loss provision to assets | 0.3684% | 1,007 |
| Net operating income to assets | 0.7999% | 3,091 |
| Return on assets (ROA) | 0.8434% | 3,061 |
| Pretax return on assets | 1.0731% | 2,839 |
| Return on Equity (ROE) | 8.3677% | 2,661 |
| Retained earnings to average equity (ytd only) | 6.7706% | 1,788 |
| Net charge-offs to loans | 0.2241% | 680 |
| Credit loss provision to net charge-offs | 231.0345% | 1,996 |
| Earnings coverage of net charge-offs (x) | 8.6897% | 2,474 |
| Efficiency ratio | 73.1629% | 1,502 |
| Assets per employee ($millions) | 3.7552% | 4,513 |
| Cash dividends to net income (ytd only)* | 19.0865% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7884% | 4,381 |
| Loan loss allowance to noncurrent loans | 64.1588% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 0.9761% | 1,145 |
| Noncurrent loans to loans | 1.2288% | 1,241 |
| Net loans and leases to total assets | 70.9537% | 1,823 |
| Net loans and leases to deposits | 78.8333% | 2,446 |
| Net loans and leases to core deposits | 106.4853% | 832 |
| Total domestic deposits to total assets | 90.0048% | 424 |
| Equity capital to assets | 9.6601% | 3,546 |
| Core capital (leverage) ratio | 9.9241% | 2,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,910,250 | 4,035 |
| Average earning assets | $87,980,250 | 4,058 |
| Average equity | $9,767,500 | 4,233 |
| Average total loans | $69,016,000 | 3,771 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9748% | 151 |
| Cost of funding earning assets | 0.8396% | 1,632 |
| Net interest margin | 5.1352% | 155 |
| Noninterest income to average assets | 0.5661% | 2,275 |
| Noninterest expense to average assets | 3.8789% | 468 |
| Loan and lease loss provision to assets | 0.3939% | 1,033 |
| Net operating income to assets | 0.7370% | 3,252 |
| Return on assets (ROA) | 0.8051% | 3,146 |
| Pretax return on assets | 1.0268% | 2,944 |
| Return on Equity (ROE) | 7.8599% | 2,806 |
| Retained earnings to average equity (ytd only) | 6.2207% | 1,976 |
| Net charge-offs to loans | 0.1786% | 841 |
| Credit loss provision to net charge-offs | 310.1695% | 1,592 |
| Earnings coverage of net charge-offs (x) | 10.5085% | 2,147 |
| Efficiency ratio | 74.4013% | 1,426 |
| Assets per employee ($millions) | 3.7560% | 4,505 |
| Cash dividends to net income (ytd only)* | 20.8556% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 4,288 |
| Loan loss allowance to noncurrent loans | 43.3753% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.6645% | 515 |
| Noncurrent loans to loans | 1.8921% | 727 |
| Net loans and leases to total assets | 69.8290% | 2,055 |
| Net loans and leases to deposits | 77.5545% | 2,707 |
| Net loans and leases to core deposits | 98.4458% | 1,376 |
| Total domestic deposits to total assets | 90.0387% | 391 |
| Equity capital to assets | 9.6557% | 3,518 |
| Core capital (leverage) ratio | 10.1207% | 2,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,913,000 | 4,084 |
| Average earning assets | $84,086,667 | 4,108 |
| Average equity | $9,516,667 | 4,277 |
| Average total loans | $66,060,000 | 3,834 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2928% | 107 |
| Cost of funding earning assets | 0.9352% | 1,719 |
| Net interest margin | 5.3576% | 114 |
| Noninterest income to average assets | 0.6271% | 1,917 |
| Noninterest expense to average assets | 4.0152% | 499 |
| Loan and lease loss provision to assets | 0.4511% | 670 |
| Net operating income to assets | 0.7958% | 2,925 |
| Return on assets (ROA) | 0.9384% | 2,491 |
| Pretax return on assets | 1.2000% | 2,199 |
| Return on Equity (ROE) | 8.8709% | 2,165 |
| Retained earnings to average equity (ytd only) | 7.2076% | 1,467 |
| Net charge-offs to loans | -0.0505% | 4,640 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1908% | 1,918 |
| Assets per employee ($millions) | 3.1629% | 4,710 |
| Cash dividends to net income (ytd only)* | 18.7500% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 4,150 |
| Loan loss allowance to noncurrent loans | 49.0956% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.4126% | 786 |
| Noncurrent loans to loans | 1.8115% | 826 |
| Net loans and leases to total assets | 71.7246% | 1,962 |
| Net loans and leases to deposits | 80.5948% | 2,619 |
| Net loans and leases to core deposits | 92.7042% | 2,095 |
| Total domestic deposits to total assets | 88.9940% | 665 |
| Equity capital to assets | 10.6390% | 3,200 |
| Core capital (leverage) ratio | 10.7862% | 2,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,663,500 | 4,146 |
| Average earning assets | $80,409,500 | 4,164 |
| Average equity | $9,379,000 | 4,314 |
| Average total loans | $63,389,500 | 3,899 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3988% | 125 |
| Cost of funding earning assets | 0.9711% | 1,853 |
| Net interest margin | 5.4278% | 129 |
| Noninterest income to average assets | 0.6079% | 2,178 |
| Noninterest expense to average assets | 4.0381% | 511 |
| Loan and lease loss provision to assets | 0.2968% | 570 |
| Net operating income to assets | 0.9441% | 3,043 |
| Return on assets (ROA) | 0.9404% | 3,139 |
| Pretax return on assets | 1.1992% | 2,846 |
| Return on Equity (ROE) | 8.8430% | 2,827 |
| Retained earnings to average equity (ytd only) | 7.0231% | 1,379 |
| Net charge-offs to loans | 0.4266% | 453 |
| Credit loss provision to net charge-offs | 97.6563% | 2,540 |
| Earnings coverage of net charge-offs (x) | 4.9375% | 3,151 |
| Efficiency ratio | 72.9046% | 1,749 |
| Assets per employee ($millions) | 3.2849% | 4,655 |
| Cash dividends to net income (ytd only)* | 20.5808% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7370% | 4,491 |
| Loan loss allowance to noncurrent loans | 42.0382% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.3733% | 769 |
| Noncurrent loans to loans | 1.7531% | 778 |
| Net loans and leases to total assets | 70.1608% | 2,377 |
| Net loans and leases to deposits | 78.6439% | 2,945 |
| Net loans and leases to core deposits | 87.8379% | 2,617 |
| Total domestic deposits to total assets | 89.2132% | 587 |
| Equity capital to assets | 10.5263% | 3,423 |
| Core capital (leverage) ratio | 10.9240% | 2,569 |
| Tier 1 risk-based capital ratio | 15.9683% | 2,419 |
| Total risk-based capital ratio | 16.7614% | 2,508 |
| Memoranda: | ||
| Average total assets | $84,223,200 | 4,223 |
| Average earning assets | $76,513,800 | 4,241 |
| Average equity | $8,956,200 | 4,378 |
| Average total loans | $60,015,200 | 3,983 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4383% | 119 |
| Cost of funding earning assets | 0.9738% | 1,876 |
| Net interest margin | 5.4645% | 127 |
| Noninterest income to average assets | 0.6016% | 2,196 |
| Noninterest expense to average assets | 4.0702% | 489 |
| Loan and lease loss provision to assets | 0.3064% | 477 |
| Net operating income to assets | 0.9292% | 3,234 |
| Return on assets (ROA) | 0.9241% | 3,330 |
| Pretax return on assets | 1.1792% | 3,047 |
| Return on Equity (ROE) | 8.6667% | 3,025 |
| Retained earnings to average equity (ytd only) | 6.9214% | 1,900 |
| Net charge-offs to loans | 0.3190% | 540 |
| Credit loss provision to net charge-offs | 134.5070% | 1,776 |
| Earnings coverage of net charge-offs (x) | 6.5493% | 2,829 |
| Efficiency ratio | 73.1757% | 1,676 |
| Assets per employee ($millions) | 3.0352% | 4,871 |
| Cash dividends to net income (ytd only)* | 20.1385% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8467% | 4,249 |
| Loan loss allowance to noncurrent loans | 48.0483% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.4228% | 804 |
| Noncurrent loans to loans | 1.7623% | 816 |
| Net loans and leases to total assets | 73.8743% | 1,841 |
| Net loans and leases to deposits | 83.5104% | 2,505 |
| Net loans and leases to core deposits | 92.1714% | 2,346 |
| Total domestic deposits to total assets | 88.4613% | 845 |
| Equity capital to assets | 11.1897% | 2,943 |
| Core capital (leverage) ratio | 11.0584% | 2,595 |
| Tier 1 risk-based capital ratio | 15.9476% | 2,452 |
| Total risk-based capital ratio | 16.8503% | 2,539 |
| Memoranda: | ||
| Average total assets | $83,106,000 | 4,292 |
| Average earning assets | $75,442,750 | 4,317 |
| Average equity | $8,861,250 | 4,444 |
| Average total loans | $59,346,750 | 4,047 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3540% | 140 |
| Cost of funding earning assets | 0.9491% | 1,918 |
| Net interest margin | 5.4049% | 149 |
| Noninterest income to average assets | 0.6228% | 2,052 |
| Noninterest expense to average assets | 4.0603% | 493 |
| Loan and lease loss provision to assets | 0.3617% | 350 |
| Net operating income to assets | 0.8699% | 3,400 |
| Return on assets (ROA) | 0.8624% | 3,485 |
| Pretax return on assets | 1.1019% | 3,225 |
| Return on Equity (ROE) | 8.2207% | 3,185 |
| Retained earnings to average equity (ytd only) | 6.4624% | 2,072 |
| Net charge-offs to loans | 0.4832% | 329 |
| Credit loss provision to net charge-offs | 106.3380% | 1,885 |
| Earnings coverage of net charge-offs (x) | 4.3310% | 2,746 |
| Efficiency ratio | 73.3766% | 1,717 |
| Assets per employee ($millions) | 3.1830% | 4,778 |
| Cash dividends to net income (ytd only)* | 21.3889% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7891% | 4,476 |
| Loan loss allowance to noncurrent loans | 49.5842% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.2712% | 1,017 |
| Noncurrent loans to loans | 1.5914% | 962 |
| Net loans and leases to total assets | 72.4676% | 2,151 |
| Net loans and leases to deposits | 81.6901% | 2,765 |
| Net loans and leases to core deposits | 90.0251% | 2,599 |
| Total domestic deposits to total assets | 88.7103% | 780 |
| Equity capital to assets | 10.9235% | 3,155 |
| Core capital (leverage) ratio | 10.7602% | 2,828 |
| Tier 1 risk-based capital ratio | 15.3161% | 2,703 |
| Total risk-based capital ratio | 16.1317% | 2,806 |
| Memoranda: | ||
| Average total assets | $83,491,330 | 4,317 |
| Average earning assets | $75,857,670 | 4,333 |
| Average equity | $8,758,330 | 4,474 |
| Average total loans | $58,776,670 | 4,075 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2768% | 141 |
| Cost of funding earning assets | 0.8997% | 2,008 |
| Net interest margin | 5.3771% | 155 |
| Noninterest income to average assets | 0.5485% | 2,293 |
| Noninterest expense to average assets | 4.0640% | 491 |
| Loan and lease loss provision to assets | 0.3339% | 367 |
| Net operating income to assets | 0.8212% | 3,550 |
| Return on assets (ROA) | 0.8061% | 3,638 |
| Pretax return on assets | 1.0351% | 3,329 |
| Return on Equity (ROE) | 7.8445% | 3,327 |
| Retained earnings to average equity (ytd only) | 6.0342% | 2,442 |
| Net charge-offs to loans | 0.8422% | 178 |
| Credit loss provision to net charge-offs | 57.3770% | 1,924 |
| Earnings coverage of net charge-offs (x) | 2.3852% | 2,500 |
| Efficiency ratio | 74.5407% | 1,673 |
| Assets per employee ($millions) | 3.1985% | 4,832 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7150% | 4,748 |
| Loan loss allowance to noncurrent loans | 39.9616% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.5139% | 788 |
| Noncurrent loans to loans | 1.7892% | 865 |
| Net loans and leases to total assets | 69.4625% | 2,558 |
| Net loans and leases to deposits | 77.9302% | 3,066 |
| Net loans and leases to core deposits | 86.9339% | 2,784 |
| Total domestic deposits to total assets | 89.1342% | 800 |
| Equity capital to assets | 10.4954% | 3,349 |
| Core capital (leverage) ratio | 10.3980% | 3,167 |
| Tier 1 risk-based capital ratio | 15.7649% | 2,542 |
| Total risk-based capital ratio | 16.5097% | 2,676 |
| Memoranda: | ||
| Average total assets | $83,858,500 | 4,355 |
| Average earning assets | $76,472,000 | 4,364 |
| Average equity | $8,617,500 | 4,520 |
| Average total loans | $57,940,500 | 4,131 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1688% | 132 |
| Cost of funding earning assets | 0.7524% | 1,774 |
| Net interest margin | 5.4164% | 126 |
| Noninterest income to average assets | 0.6003% | 2,289 |
| Noninterest expense to average assets | 4.1406% | 439 |
| Loan and lease loss provision to assets | 0.2210% | 815 |
| Net operating income to assets | 0.9354% | 3,304 |
| Return on assets (ROA) | 0.9305% | 3,320 |
| Pretax return on assets | 1.1637% | 3,046 |
| Return on Equity (ROE) | 9.9371% | 2,541 |
| Retained earnings to average equity (ytd only) | 7.9182% | 1,276 |
| Net charge-offs to loans | 0.1276% | 1,476 |
| Credit loss provision to net charge-offs | 250.0000% | 1,186 |
| Earnings coverage of net charge-offs (x) | 15.7361% | 2,307 |
| Efficiency ratio | 74.8557% | 1,516 |
| Assets per employee ($millions) | 3.1317% | 4,902 |
| Cash dividends to net income (ytd only)* | 20.3166% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8111% | 4,499 |
| Loan loss allowance to noncurrent loans | 41.8979% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 1.5788% | 723 |
| Noncurrent loans to loans | 1.9359% | 706 |
| Net loans and leases to total assets | 67.6845% | 2,923 |
| Net loans and leases to deposits | 75.4920% | 3,387 |
| Net loans and leases to core deposits | 88.4958% | 2,706 |
| Total domestic deposits to total assets | 89.6579% | 591 |
| Equity capital to assets | 10.0607% | 3,619 |
| Core capital (leverage) ratio | 10.3618% | 3,186 |
| Tier 1 risk-based capital ratio | 15.8853% | 2,454 |
| Total risk-based capital ratio | 16.7424% | 2,544 |
| Memoranda: | ||
| Average total assets | $81,462,400 | 4,409 |
| Average earning assets | $74,163,000 | 4,416 |
| Average equity | $7,628,000 | 4,658 |
| Average total loans | $56,437,200 | 4,176 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1403% | 126 |
| Cost of funding earning assets | 0.7069% | 1,808 |
| Net interest margin | 5.4334% | 119 |
| Noninterest income to average assets | 0.6031% | 2,293 |
| Noninterest expense to average assets | 4.1459% | 425 |
| Loan and lease loss provision to assets | 0.1983% | 883 |
| Net operating income to assets | 0.9584% | 3,271 |
| Return on assets (ROA) | 0.9518% | 3,311 |
| Pretax return on assets | 1.1914% | 3,023 |
| Return on Equity (ROE) | 10.3666% | 2,449 |
| Retained earnings to average equity (ytd only) | 8.2428% | 1,540 |
| Net charge-offs to loans | 0.1473% | 1,121 |
| Credit loss provision to net charge-offs | 193.5484% | 1,420 |
| Earnings coverage of net charge-offs (x) | 13.6459% | 2,337 |
| Efficiency ratio | 74.7839% | 1,484 |
| Assets per employee ($millions) | 3.0596% | 4,996 |
| Cash dividends to net income (ytd only)* | 20.4862% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7115% | 4,852 |
| Loan loss allowance to noncurrent loans | 53.1807% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.0604% | 1,359 |
| Noncurrent loans to loans | 1.3379% | 1,246 |
| Net loans and leases to total assets | 70.6118% | 2,554 |
| Net loans and leases to deposits | 78.3755% | 3,203 |
| Net loans and leases to core deposits | 98.6788% | 1,888 |
| Total domestic deposits to total assets | 90.0942% | 480 |
| Equity capital to assets | 9.6032% | 3,991 |
| Core capital (leverage) ratio | 10.0839% | 3,543 |
| Tier 1 risk-based capital ratio | 14.9584% | 2,903 |
| Total risk-based capital ratio | 15.7202% | 3,058 |
| Memoranda: | ||
| Average total assets | $80,688,750 | 4,460 |
| Average earning assets | $73,371,250 | 4,476 |
| Average equity | $7,408,250 | 4,737 |
| Average total loans | $56,121,500 | 4,227 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0591% | 131 |
| Cost of funding earning assets | 0.6463% | 1,946 |
| Net interest margin | 5.4127% | 121 |
| Noninterest income to average assets | 0.5771% | 2,441 |
| Noninterest expense to average assets | 4.1550% | 439 |
| Loan and lease loss provision to assets | 0.1499% | 1,260 |
| Net operating income to assets | 0.9494% | 3,241 |
| Return on assets (ROA) | 0.9394% | 3,281 |
| Pretax return on assets | 1.1768% | 3,025 |
| Return on Equity (ROE) | 10.3963% | 2,382 |
| Retained earnings to average equity (ytd only) | 8.3502% | 1,472 |
| Net charge-offs to loans | 0.2100% | 753 |
| Credit loss provision to net charge-offs | 103.4483% | 1,968 |
| Earnings coverage of net charge-offs (x) | 9.2414% | 2,407 |
| Efficiency ratio | 75.6253% | 1,478 |
| Assets per employee ($millions) | 3.1048% | 5,012 |
| Cash dividends to net income (ytd only)* | 19.6809% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6252% | 5,057 |
| Loan loss allowance to noncurrent loans | 54.6828% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 0.9316% | 1,617 |
| Noncurrent loans to loans | 1.1434% | 1,535 |
| Net loans and leases to total assets | 71.2741% | 2,394 |
| Net loans and leases to deposits | 78.8542% | 3,067 |
| Net loans and leases to core deposits | 98.0872% | 1,886 |
| Total domestic deposits to total assets | 90.3871% | 435 |
| Equity capital to assets | 9.3168% | 4,267 |
| Core capital (leverage) ratio | 9.5969% | 3,997 |
| Tier 1 risk-based capital ratio | 14.0646% | 3,324 |
| Total risk-based capital ratio | 14.7214% | 3,546 |
| Memoranda: | ||
| Average total assets | $80,049,000 | 4,512 |
| Average earning assets | $72,717,670 | 4,532 |
| Average equity | $7,233,330 | 4,813 |
| Average total loans | $55,245,670 | 4,278 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9493% | 148 |
| Cost of funding earning assets | 0.6242% | 1,888 |
| Net interest margin | 5.3251% | 132 |
| Noninterest income to average assets | 0.5821% | 2,350 |
| Noninterest expense to average assets | 4.0546% | 497 |
| Loan and lease loss provision to assets | 0.1004% | 1,851 |
| Net operating income to assets | 1.0086% | 2,823 |
| Return on assets (ROA) | 0.9886% | 2,925 |
| Pretax return on assets | 1.2395% | 2,597 |
| Return on Equity (ROE) | 11.1150% | 1,918 |
| Retained earnings to average equity (ytd only) | 9.0839% | 1,431 |
| Net charge-offs to loans | 0.0148% | 2,230 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 136.0000% | 475 |
| Efficiency ratio | 74.8148% | 1,775 |
| Assets per employee ($millions) | 3.1607% | 5,035 |
| Cash dividends to net income (ytd only)* | 18.2741% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6922% | 5,046 |
| Loan loss allowance to noncurrent loans | 29.0546% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 1.6927% | 757 |
| Noncurrent loans to loans | 2.3826% | 588 |
| Net loans and leases to total assets | 65.9872% | 3,032 |
| Net loans and leases to deposits | 72.6504% | 3,544 |
| Net loans and leases to core deposits | 89.5751% | 2,488 |
| Total domestic deposits to total assets | 90.8284% | 375 |
| Equity capital to assets | 8.6812% | 4,833 |
| Core capital (leverage) ratio | 9.2536% | 4,378 |
| Tier 1 risk-based capital ratio | 13.8845% | 3,440 |
| Total risk-based capital ratio | 14.6003% | 3,658 |
| Memoranda: | ||
| Average total assets | $79,711,000 | 4,576 |
| Average earning assets | $72,412,000 | 4,586 |
| Average equity | $7,089,500 | 4,882 |
| Average total loans | $53,919,500 | 4,349 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0164% | 131 |
| Cost of funding earning assets | 0.5777% | 1,763 |
| Net interest margin | 5.4387% | 117 |
| Noninterest income to average assets | 0.5308% | 2,819 |
| Noninterest expense to average assets | 4.2929% | 380 |
| Loan and lease loss provision to assets | 0.0560% | 3,110 |
| Net operating income to assets | 0.7101% | 3,556 |
| Return on assets (ROA) | 0.7101% | 3,613 |
| Pretax return on assets | 1.0869% | 3,238 |
| Return on Equity (ROE) | 7.7214% | 2,937 |
| Retained earnings to average equity (ytd only) | 5.7415% | 1,688 |
| Net charge-offs to loans | 0.0542% | 2,722 |
| Credit loss provision to net charge-offs | 148.1481% | 1,802 |
| Earnings coverage of net charge-offs (x) | 30.2222% | 1,543 |
| Efficiency ratio | 78.9745% | 1,225 |
| Assets per employee ($millions) | 2.9709% | 5,215 |
| Cash dividends to net income (ytd only)* | 25.6410% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6763% | 5,110 |
| Loan loss allowance to noncurrent loans | 52.0231% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.1302% | 1,321 |
| Noncurrent loans to loans | 1.2999% | 1,344 |
| Net loans and leases to total assets | 68.4506% | 2,760 |
| Net loans and leases to deposits | 75.6965% | 3,356 |
| Net loans and leases to core deposits | 92.2725% | 2,349 |
| Total domestic deposits to total assets | 90.4277% | 416 |
| Equity capital to assets | 9.1204% | 4,601 |
| Core capital (leverage) ratio | 9.4681% | 4,088 |
| Tier 1 risk-based capital ratio | 14.1792% | 3,270 |
| Total risk-based capital ratio | 14.8911% | 3,464 |
| Memoranda: | ||
| Average total assets | $71,397,400 | 4,755 |
| Average earning assets | $64,390,600 | 4,778 |
| Average equity | $6,566,200 | 5,010 |
| Average total loans | $49,817,800 | 4,460 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9923% | 135 |
| Cost of funding earning assets | 0.5654% | 1,776 |
| Net interest margin | 5.4270% | 114 |
| Noninterest income to average assets | 0.5338% | 2,813 |
| Noninterest expense to average assets | 4.2876% | 380 |
| Loan and lease loss provision to assets | 0.0286% | 3,556 |
| Net operating income to assets | 0.7492% | 3,742 |
| Return on assets (ROA) | 0.7492% | 3,802 |
| Pretax return on assets | 1.1038% | 3,284 |
| Return on Equity (ROE) | 8.1283% | 3,065 |
| Retained earnings to average equity (ytd only) | 6.1841% | 2,118 |
| Net charge-offs to loans | 0.0381% | 2,675 |
| Credit loss provision to net charge-offs | 107.1429% | 2,177 |
| Earnings coverage of net charge-offs (x) | 42.4199% | 1,244 |
| Efficiency ratio | 79.1066% | 1,202 |
| Assets per employee ($millions) | 2.9655% | 5,287 |
| Cash dividends to net income (ytd only)* | 23.9184% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6490% | 5,239 |
| Loan loss allowance to noncurrent loans | 43.5000% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 1.3232% | 1,211 |
| Noncurrent loans to loans | 1.4919% | 1,253 |
| Net loans and leases to total assets | 71.8592% | 2,271 |
| Net loans and leases to deposits | 80.9257% | 2,883 |
| Net loans and leases to core deposits | 98.1051% | 1,875 |
| Total domestic deposits to total assets | 88.7966% | 976 |
| Equity capital to assets | 9.3771% | 4,565 |
| Core capital (leverage) ratio | 9.8029% | 3,817 |
| Tier 1 risk-based capital ratio | 13.6786% | 3,596 |
| Total risk-based capital ratio | 14.3614% | 3,839 |
| Memoranda: | ||
| Average total assets | $69,935,750 | 4,828 |
| Average earning assets | $62,967,750 | 4,853 |
| Average equity | $6,446,500 | 5,087 |
| Average total loans | $48,963,750 | 4,528 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9640% | 131 |
| Cost of funding earning assets | 0.5381% | 1,856 |
| Net interest margin | 5.4259% | 117 |
| Noninterest income to average assets | 0.5165% | 2,919 |
| Noninterest expense to average assets | 4.2227% | 406 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8025% | 3,391 |
| Return on assets (ROA) | 0.8025% | 3,451 |
| Pretax return on assets | 1.1790% | 2,857 |
| Return on Equity (ROE) | 8.7608% | 2,627 |
| Retained earnings to average equity (ytd only) | 6.8493% | 1,667 |
| Net charge-offs to loans | -0.0127% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1740% | 1,439 |
| Assets per employee ($millions) | 3.0933% | 5,192 |
| Cash dividends to net income (ytd only)* | 21.8182% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7005% | 5,212 |
| Loan loss allowance to noncurrent loans | 70.1403% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 0.9558% | 1,840 |
| Noncurrent loans to loans | 0.9988% | 1,965 |
| Net loans and leases to total assets | 69.7303% | 2,564 |
| Net loans and leases to deposits | 77.2444% | 3,192 |
| Net loans and leases to core deposits | 99.2577% | 1,702 |
| Total domestic deposits to total assets | 90.2723% | 435 |
| Equity capital to assets | 9.2724% | 4,651 |
| Core capital (leverage) ratio | 9.3856% | 4,247 |
| Tier 1 risk-based capital ratio | 13.8158% | 3,524 |
| Total risk-based capital ratio | 14.5477% | 3,723 |
| Memoranda: | ||
| Average total assets | $68,535,000 | 4,882 |
| Average earning assets | $61,704,000 | 4,904 |
| Average equity | $6,278,000 | 5,148 |
| Average total loans | $47,410,670 | 4,599 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9020% | 137 |
| Cost of funding earning assets | 0.5227% | 1,919 |
| Net interest margin | 5.3793% | 124 |
| Noninterest income to average assets | 0.4879% | 3,058 |
| Noninterest expense to average assets | 4.1113% | 474 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8270% | 3,087 |
| Return on assets (ROA) | 0.8270% | 3,143 |
| Pretax return on assets | 1.2138% | 2,536 |
| Return on Equity (ROE) | 9.0872% | 2,372 |
| Retained earnings to average equity (ytd only) | 7.1913% | 1,783 |
| Net charge-offs to loans | -0.0260% | 4,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2067% | 1,733 |
| Assets per employee ($millions) | 3.0784% | 5,292 |
| Cash dividends to net income (ytd only)* | 20.8633% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7443% | 5,214 |
| Loan loss allowance to noncurrent loans | 70.8502% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.0579% | 1,701 |
| Noncurrent loans to loans | 1.0505% | 1,959 |
| Net loans and leases to total assets | 65.9252% | 2,985 |
| Net loans and leases to deposits | 72.7158% | 3,542 |
| Net loans and leases to core deposits | 93.5467% | 2,021 |
| Total domestic deposits to total assets | 90.6614% | 405 |
| Equity capital to assets | 8.8570% | 4,947 |
| Core capital (leverage) ratio | 9.2245% | 4,442 |
| Tier 1 risk-based capital ratio | 13.9474% | 3,516 |
| Total risk-based capital ratio | 14.7220% | 3,707 |
| Memoranda: | ||
| Average total assets | $67,229,000 | 4,965 |
| Average earning assets | $60,454,500 | 4,988 |
| Average equity | $6,118,500 | 5,218 |
| Average total loans | $46,135,500 | 4,672 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7501% | 175 |
| Cost of funding earning assets | 0.4991% | 2,093 |
| Net interest margin | 5.2510% | 157 |
| Noninterest income to average assets | 0.5079% | 3,188 |
| Noninterest expense to average assets | 4.2329% | 470 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6899% | 3,829 |
| Return on assets (ROA) | 0.6899% | 3,938 |
| Pretax return on assets | 0.9984% | 3,486 |
| Return on Equity (ROE) | 7.0935% | 3,422 |
| Retained earnings to average equity (ytd only) | 5.5072% | 2,011 |
| Net charge-offs to loans | -0.0440% | 5,361 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9145% | 1,311 |
| Assets per employee ($millions) | 3.0312% | 5,326 |
| Cash dividends to net income (ytd only)* | 22.3618% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7670% | 5,193 |
| Loan loss allowance to noncurrent loans | 43.1056% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 1.6652% | 939 |
| Noncurrent loans to loans | 1.7792% | 1,070 |
| Net loans and leases to total assets | 70.5318% | 2,399 |
| Net loans and leases to deposits | 78.1361% | 3,088 |
| Net loans and leases to core deposits | 93.2886% | 2,182 |
| Total domestic deposits to total assets | 90.2679% | 528 |
| Equity capital to assets | 9.3724% | 4,402 |
| Core capital (leverage) ratio | 9.5325% | 4,038 |
| Tier 1 risk-based capital ratio | 13.8330% | 3,557 |
| Total risk-based capital ratio | 14.6339% | 3,744 |
| Memoranda: | ||
| Average total assets | $57,691,200 | 5,197 |
| Average earning assets | $51,894,800 | 5,210 |
| Average equity | $5,610,800 | 5,350 |
| Average total loans | $38,660,000 | 4,923 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6230% | 212 |
| Cost of funding earning assets | 0.4899% | 2,171 |
| Net interest margin | 5.1331% | 199 |
| Noninterest income to average assets | 0.5053% | 3,217 |
| Noninterest expense to average assets | 4.0616% | 542 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7354% | 3,665 |
| Return on assets (ROA) | 0.7354% | 3,803 |
| Pretax return on assets | 1.0676% | 3,365 |
| Return on Equity (ROE) | 7.4850% | 3,311 |
| Retained earnings to average equity (ytd only) | 6.0121% | 2,179 |
| Net charge-offs to loans | -0.0721% | 5,474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1859% | 1,535 |
| Assets per employee ($millions) | 2.9487% | 5,430 |
| Cash dividends to net income (ytd only)* | 19.6772% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8195% | 5,133 |
| Loan loss allowance to noncurrent loans | 76.9231% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.1466% | 1,758 |
| Noncurrent loans to loans | 1.0654% | 2,117 |
| Net loans and leases to total assets | 68.4027% | 2,740 |
| Net loans and leases to deposits | 75.8977% | 3,410 |
| Net loans and leases to core deposits | 93.7745% | 2,209 |
| Total domestic deposits to total assets | 90.1248% | 441 |
| Equity capital to assets | 9.3519% | 4,818 |
| Core capital (leverage) ratio | 9.8407% | 3,765 |
| Tier 1 risk-based capital ratio | 14.0514% | 3,536 |
| Total risk-based capital ratio | 14.9094% | 3,675 |
| Memoranda: | ||
| Average total assets | $56,200,250 | 5,275 |
| Average earning assets | $50,624,500 | 5,288 |
| Average equity | $5,522,000 | 5,419 |
| Average total loans | $37,014,000 | 5,026 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5603% | 231 |
| Cost of funding earning assets | 0.4784% | 2,286 |
| Net interest margin | 5.0820% | 222 |
| Noninterest income to average assets | 0.4863% | 3,288 |
| Noninterest expense to average assets | 3.8863% | 687 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8104% | 3,264 |
| Return on assets (ROA) | 0.8104% | 3,394 |
| Pretax return on assets | 1.1788% | 2,866 |
| Return on Equity (ROE) | 8.0997% | 2,938 |
| Retained earnings to average equity (ytd only) | 6.8111% | 1,711 |
| Net charge-offs to loans | -0.1082% | 5,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7273% | 1,974 |
| Assets per employee ($millions) | 2.7842% | 5,620 |
| Cash dividends to net income (ytd only)* | 15.9091% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 4,657 |
| Loan loss allowance to noncurrent loans | 84.0964% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.2032% | 1,728 |
| Noncurrent loans to loans | 1.1567% | 1,983 |
| Net loans and leases to total assets | 63.8076% | 3,394 |
| Net loans and leases to deposits | 71.3712% | 3,849 |
| Net loans and leases to core deposits | 76.9631% | 3,741 |
| Total domestic deposits to total assets | 89.4025% | 728 |
| Equity capital to assets | 10.1449% | 4,031 |
| Core capital (leverage) ratio | 10.1415% | 3,398 |
| Tier 1 risk-based capital ratio | 15.7013% | 2,783 |
| Total risk-based capital ratio | 16.6855% | 2,820 |
| Memoranda: | ||
| Average total assets | $54,292,670 | 5,365 |
| Average earning assets | $48,918,000 | 5,378 |
| Average equity | $5,432,330 | 5,488 |
| Average total loans | $35,116,330 | 5,135 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6015% | 221 |
| Cost of funding earning assets | 0.4695% | 2,371 |
| Net interest margin | 5.1320% | 195 |
| Noninterest income to average assets | 0.4552% | 3,448 |
| Noninterest expense to average assets | 3.7539% | 838 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9254% | 2,620 |
| Return on assets (ROA) | 0.9254% | 2,730 |
| Pretax return on assets | 1.3508% | 2,088 |
| Return on Equity (ROE) | 9.3163% | 2,279 |
| Retained earnings to average equity (ytd only) | 8.5650% | 1,242 |
| Net charge-offs to loans | -0.1727% | 5,809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5380% | 2,547 |
| Assets per employee ($millions) | 3.2491% | 5,200 |
| Cash dividends to net income (ytd only)* | 8.0645% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 4,679 |
| Loan loss allowance to noncurrent loans | 72.6316% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.3216% | 1,622 |
| Noncurrent loans to loans | 1.3598% | 1,751 |
| Net loans and leases to total assets | 62.6179% | 3,441 |
| Net loans and leases to deposits | 69.8756% | 3,871 |
| Net loans and leases to core deposits | 75.3792% | 3,745 |
| Total domestic deposits to total assets | 89.6135% | 775 |
| Equity capital to assets | 10.0299% | 4,039 |
| Core capital (leverage) ratio | 10.2912% | 3,205 |
| Tier 1 risk-based capital ratio | 16.0019% | 2,683 |
| Total risk-based capital ratio | 17.0063% | 2,736 |
| Memoranda: | ||
| Average total assets | $53,597,500 | 5,436 |
| Average earning assets | $48,558,500 | 5,435 |
| Average equity | $5,324,000 | 5,548 |
| Average total loans | $34,735,000 | 5,188 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5677% | 245 |
| Cost of funding earning assets | 0.4647% | 2,486 |
| Net interest margin | 5.1030% | 210 |
| Noninterest income to average assets | 0.4866% | 3,422 |
| Noninterest expense to average assets | 4.1213% | 589 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6860% | 3,883 |
| Return on assets (ROA) | 0.7011% | 3,909 |
| Pretax return on assets | 1.0110% | 3,423 |
| Return on Equity (ROE) | 7.4116% | 3,301 |
| Retained earnings to average equity (ytd only) | 6.6977% | 1,442 |
| Net charge-offs to loans | 0.2796% | 1,089 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 5.4725% | 3,387 |
| Efficiency ratio | 80.6452% | 1,591 |
| Assets per employee ($millions) | 3.2483% | 5,228 |
| Cash dividends to net income (ytd only)* | 9.6317% | 4,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 4,835 |
| Loan loss allowance to noncurrent loans | 85.7143% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.2314% | 1,749 |
| Noncurrent loans to loans | 1.1147% | 2,108 |
| Net loans and leases to total assets | 65.8188% | 3,008 |
| Net loans and leases to deposits | 73.2443% | 3,586 |
| Net loans and leases to core deposits | 78.0114% | 3,547 |
| Total domestic deposits to total assets | 89.8620% | 688 |
| Equity capital to assets | 9.8282% | 4,161 |
| Core capital (leverage) ratio | 9.9773% | 3,544 |
| Tier 1 risk-based capital ratio | 15.4100% | 2,981 |
| Total risk-based capital ratio | 16.3982% | 3,037 |
| Memoranda: | ||
| Average total assets | $50,348,200 | 5,534 |
| Average earning assets | $45,620,600 | 5,538 |
| Average equity | $4,762,800 | 5,709 |
| Average total loans | $32,551,600 | 5,274 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4870% | 273 |
| Cost of funding earning assets | 0.4570% | 2,618 |
| Net interest margin | 5.0300% | 236 |
| Noninterest income to average assets | 0.4485% | 3,726 |
| Noninterest expense to average assets | 3.9725% | 690 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7139% | 3,848 |
| Return on assets (ROA) | 0.7342% | 3,851 |
| Pretax return on assets | 1.0599% | 3,378 |
| Return on Equity (ROE) | 7.8405% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.6123% | 1,411 |
| Net charge-offs to loans | 0.4492% | 567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.5740% | 3,483 |
| Efficiency ratio | 79.4023% | 1,740 |
| Assets per employee ($millions) | 3.1503% | 5,363 |
| Cash dividends to net income (ytd only)* | 2.9101% | 3,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 5,167 |
| Loan loss allowance to noncurrent loans | 60.5416% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 1.9740% | 1,047 |
| Noncurrent loans to loans | 1.5040% | 1,672 |
| Net loans and leases to total assets | 67.5766% | 2,755 |
| Net loans and leases to deposits | 75.2452% | 3,397 |
| Net loans and leases to core deposits | 82.2436% | 3,224 |
| Total domestic deposits to total assets | 89.8086% | 649 |
| Equity capital to assets | 9.8641% | 4,322 |
| Core capital (leverage) ratio | 9.8685% | 3,813 |
| Tier 1 risk-based capital ratio | 14.7869% | 3,394 |
| Total risk-based capital ratio | 15.7256% | 3,496 |
| Memoranda: | ||
| Average total assets | $49,942,000 | 5,612 |
| Average earning assets | $45,221,000 | 5,622 |
| Average equity | $4,676,500 | 5,804 |
| Average total loans | $32,055,000 | 5,354 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3945% | 314 |
| Cost of funding earning assets | 0.4525% | 2,697 |
| Net interest margin | 4.9420% | 279 |
| Noninterest income to average assets | 0.4298% | 3,857 |
| Noninterest expense to average assets | 3.9488% | 721 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6913% | 3,936 |
| Return on assets (ROA) | 0.7231% | 3,895 |
| Pretax return on assets | 1.0002% | 3,591 |
| Return on Equity (ROE) | 7.8637% | 3,134 |
| Retained earnings to average equity (ytd only) | 7.6889% | 1,393 |
| Net charge-offs to loans | 0.7097% | 319 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.1441% | 3,396 |
| Efficiency ratio | 80.5078% | 1,692 |
| Assets per employee ($millions) | 3.0796% | 5,497 |
| Cash dividends to net income (ytd only)* | 2.2222% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9468% | 5,108 |
| Loan loss allowance to noncurrent loans | 107.2664% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 2.0701% | 1,046 |
| Noncurrent loans to loans | 0.8827% | 2,918 |
| Net loans and leases to total assets | 65.8210% | 2,984 |
| Net loans and leases to deposits | 72.7811% | 3,642 |
| Net loans and leases to core deposits | 82.7030% | 3,109 |
| Total domestic deposits to total assets | 90.4370% | 476 |
| Equity capital to assets | 9.4352% | 4,730 |
| Core capital (leverage) ratio | 9.4395% | 4,360 |
| Tier 1 risk-based capital ratio | 14.1646% | 3,835 |
| Total risk-based capital ratio | 15.1099% | 3,938 |
| Memoranda: | ||
| Average total assets | $49,787,670 | 5,674 |
| Average earning assets | $45,083,330 | 5,684 |
| Average equity | $4,578,000 | 5,884 |
| Average total loans | $31,281,670 | 5,423 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2574% | 378 |
| Cost of funding earning assets | 0.4403% | 2,876 |
| Net interest margin | 4.8170% | 342 |
| Noninterest income to average assets | 0.3837% | 4,129 |
| Noninterest expense to average assets | 3.8765% | 797 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7194% | 3,703 |
| Return on assets (ROA) | 0.7194% | 3,833 |
| Pretax return on assets | 0.8792% | 3,967 |
| Return on Equity (ROE) | 7.9252% | 2,993 |
| Retained earnings to average equity (ytd only) | 7.7490% | 1,664 |
| Net charge-offs to loans | 0.1047% | 1,687 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 1,703 |
| Efficiency ratio | 81.5126% | 1,680 |
| Assets per employee ($millions) | 3.0970% | 5,549 |
| Cash dividends to net income (ytd only)* | 2.2222% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 3,229 |
| Loan loss allowance to noncurrent loans | 89.2009% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 2.7446% | 732 |
| Noncurrent loans to loans | 1.4946% | 1,892 |
| Net loans and leases to total assets | 61.6847% | 3,421 |
| Net loans and leases to deposits | 68.0621% | 3,948 |
| Net loans and leases to core deposits | 77.2551% | 3,456 |
| Total domestic deposits to total assets | 90.6300% | 484 |
| Equity capital to assets | 9.2892% | 4,984 |
| Core capital (leverage) ratio | 9.3001% | 4,570 |
| Tier 1 risk-based capital ratio | 14.2071% | 3,877 |
| Total risk-based capital ratio | 15.4582% | 3,805 |
| Memoranda: | ||
| Average total assets | $50,045,000 | 5,720 |
| Average earning assets | $45,422,000 | 5,727 |
| Average equity | $4,542,500 | 5,942 |
| Average total loans | $30,551,500 | 5,483 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3746% | 399 |
| Cost of funding earning assets | 0.5080% | 2,588 |
| Net interest margin | 4.8666% | 378 |
| Noninterest income to average assets | 0.4398% | 3,904 |
| Noninterest expense to average assets | 4.3804% | 512 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3488% | 5,380 |
| Return on assets (ROA) | 0.3729% | 5,380 |
| Pretax return on assets | 0.4678% | 5,333 |
| Return on Equity (ROE) | 3.9577% | 5,136 |
| Retained earnings to average equity (ytd only) | 3.2257% | 3,937 |
| Net charge-offs to loans | -0.1022% | 6,115 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9172% | 789 |
| Assets per employee ($millions) | 3.1586% | 5,499 |
| Cash dividends to net income (ytd only)* | 18.4971% | 3,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 2,963 |
| Loan loss allowance to noncurrent loans | 88.0753% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 2.7207% | 809 |
| Noncurrent loans to loans | 1.5868% | 1,841 |
| Net loans and leases to total assets | 58.7736% | 3,950 |
| Net loans and leases to deposits | 64.5914% | 4,469 |
| Net loans and leases to core deposits | 73.5259% | 3,960 |
| Total domestic deposits to total assets | 90.9929% | 368 |
| Equity capital to assets | 8.8686% | 5,414 |
| Core capital (leverage) ratio | 9.0638% | 4,884 |
| Tier 1 risk-based capital ratio | 14.0913% | 4,033 |
| Total risk-based capital ratio | 15.3406% | 3,956 |
| Memoranda: | ||
| Average total assets | $46,388,800 | 5,877 |
| Average earning assets | $41,733,200 | 5,881 |
| Average equity | $4,371,200 | 6,017 |
| Average total loans | $27,402,800 | 5,676 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3697% | 398 |
| Cost of funding earning assets | 0.5180% | 2,576 |
| Net interest margin | 4.8517% | 379 |
| Noninterest income to average assets | 0.4263% | 4,051 |
| Noninterest expense to average assets | 4.2041% | 607 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4442% | 5,099 |
| Return on assets (ROA) | 0.4763% | 5,049 |
| Pretax return on assets | 0.6144% | 4,983 |
| Return on Equity (ROE) | 4.9727% | 4,730 |
| Retained earnings to average equity (ytd only) | 4.6964% | 3,289 |
| Net charge-offs to loans | -0.1148% | 6,182 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0000% | 1,002 |
| Assets per employee ($millions) | 2.9759% | 5,752 |
| Cash dividends to net income (ytd only)* | 5.5558% | 3,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 3,079 |
| Loan loss allowance to noncurrent loans | 92.4444% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 2.8289% | 865 |
| Noncurrent loans to loans | 1.5367% | 2,107 |
| Net loans and leases to total assets | 60.6280% | 3,685 |
| Net loans and leases to deposits | 66.9698% | 4,236 |
| Net loans and leases to core deposits | 77.9879% | 3,539 |
| Total domestic deposits to total assets | 90.5303% | 513 |
| Equity capital to assets | 9.3437% | 4,984 |
| Core capital (leverage) ratio | 9.6034% | 4,238 |
| Tier 1 risk-based capital ratio | 14.3973% | 3,946 |
| Total risk-based capital ratio | 15.6476% | 3,885 |
| Memoranda: | ||
| Average total assets | $45,351,500 | 5,963 |
| Average earning assets | $40,671,750 | 5,974 |
| Average equity | $4,343,500 | 6,083 |
| Average total loans | $26,722,500 | 5,773 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2873% | 440 |
| Cost of funding earning assets | 0.5031% | 2,803 |
| Net interest margin | 4.7842% | 425 |
| Noninterest income to average assets | 0.4216% | 4,081 |
| Noninterest expense to average assets | 4.1034% | 675 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5294% | 4,695 |
| Return on assets (ROA) | 0.5471% | 4,715 |
| Pretax return on assets | 0.6906% | 4,671 |
| Return on Equity (ROE) | 5.6634% | 4,348 |
| Retained earnings to average equity (ytd only) | 5.3385% | 2,738 |
| Net charge-offs to loans | -0.0928% | 6,123 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9962% | 1,270 |
| Assets per employee ($millions) | 2.8536% | 5,956 |
| Cash dividends to net income (ytd only)* | 5.7377% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4534% | 3,095 |
| Loan loss allowance to noncurrent loans | 49.0315% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 2.1705% | 1,414 |
| Noncurrent loans to loans | 2.9642% | 990 |
| Net loans and leases to total assets | 60.1450% | 3,689 |
| Net loans and leases to deposits | 70.1395% | 3,806 |
| Net loans and leases to core deposits | 78.2142% | 3,414 |
| Total domestic deposits to total assets | 85.7506% | 3,177 |
| Equity capital to assets | 9.7508% | 4,426 |
| Core capital (leverage) ratio | 9.8711% | 3,779 |
| Tier 1 risk-based capital ratio | 15.3673% | 3,431 |
| Total risk-based capital ratio | 16.6186% | 3,377 |
| Memoranda: | ||
| Average total assets | $44,597,000 | 6,042 |
| Average earning assets | $40,550,000 | 6,030 |
| Average equity | $4,308,330 | 6,136 |
| Average total loans | $25,868,670 | 5,844 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2342% | 459 |
| Cost of funding earning assets | 0.4795% | 3,114 |
| Net interest margin | 4.7548% | 416 |
| Noninterest income to average assets | 0.4266% | 3,973 |
| Noninterest expense to average assets | 4.0121% | 750 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6354% | 4,022 |
| Return on assets (ROA) | 0.6354% | 4,111 |
| Pretax return on assets | 0.7353% | 4,370 |
| Return on Equity (ROE) | 6.6092% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.2316% | 2,419 |
| Net charge-offs to loans | -0.1126% | 6,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5124% | 1,612 |
| Assets per employee ($millions) | 2.7999% | 6,098 |
| Cash dividends to net income (ytd only)* | 5.7143% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 2,830 |
| Loan loss allowance to noncurrent loans | 64.6204% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.7501% | 2,010 |
| Noncurrent loans to loans | 2.4310% | 1,440 |
| Net loans and leases to total assets | 55.9467% | 4,146 |
| Net loans and leases to deposits | 61.9773% | 4,548 |
| Net loans and leases to core deposits | 69.7260% | 4,125 |
| Total domestic deposits to total assets | 90.2697% | 928 |
| Equity capital to assets | 9.6232% | 4,327 |
| Core capital (leverage) ratio | 9.9514% | 3,633 |
| Tier 1 risk-based capital ratio | 16.5194% | 2,890 |
| Total risk-based capital ratio | 17.7715% | 2,856 |
| Memoranda: | ||
| Average total assets | $44,066,500 | 6,116 |
| Average earning assets | $40,044,000 | 6,100 |
| Average equity | $4,236,500 | 6,196 |
| Average total loans | $24,870,000 | 5,941 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0895% | 776 |
| Cost of funding earning assets | 0.5516% | 3,096 |
| Net interest margin | 4.5379% | 682 |
| Noninterest income to average assets | 0.4683% | 3,976 |
| Noninterest expense to average assets | 4.1518% | 732 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3233% | 5,441 |
| Return on assets (ROA) | 0.4157% | 5,205 |
| Pretax return on assets | 0.5083% | 5,185 |
| Return on Equity (ROE) | 3.9063% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.2474% | 3,919 |
| Net charge-offs to loans | -0.1189% | 6,518 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2996% | 924 |
| Assets per employee ($millions) | 3.0954% | 5,681 |
| Cash dividends to net income (ytd only)* | 16.8675% | 3,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 2,702 |
| Loan loss allowance to noncurrent loans | 65.0083% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 1.7722% | 2,088 |
| Noncurrent loans to loans | 2.4838% | 1,527 |
| Net loans and leases to total assets | 55.1171% | 4,446 |
| Net loans and leases to deposits | 61.0745% | 4,821 |
| Net loans and leases to core deposits | 67.3139% | 4,582 |
| Total domestic deposits to total assets | 90.2458% | 939 |
| Equity capital to assets | 9.6042% | 4,282 |
| Core capital (leverage) ratio | 9.9478% | 3,644 |
| Tier 1 risk-based capital ratio | 16.5845% | 2,805 |
| Total risk-based capital ratio | 17.8387% | 2,774 |
| Memoranda: | ||
| Average total assets | $39,934,600 | 6,289 |
| Average earning assets | $35,897,600 | 6,292 |
| Average equity | $4,249,600 | 6,275 |
| Average total loans | $22,712,600 | 6,089 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9827% | 973 |
| Cost of funding earning assets | 0.5647% | 3,126 |
| Net interest margin | 4.4180% | 859 |
| Noninterest income to average assets | 0.5151% | 3,707 |
| Noninterest expense to average assets | 3.9196% | 940 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4227% | 5,148 |
| Return on assets (ROA) | 0.5424% | 4,752 |
| Pretax return on assets | 0.6993% | 4,691 |
| Return on Equity (ROE) | 4.9629% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.8070% | 3,229 |
| Net charge-offs to loans | -0.2330% | 6,679 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7769% | 1,191 |
| Assets per employee ($millions) | 3.1158% | 5,647 |
| Cash dividends to net income (ytd only)* | 3.1464% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5904% | 3,043 |
| Loan loss allowance to noncurrent loans | 63.1825% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 1.9899% | 2,026 |
| Noncurrent loans to loans | 2.5172% | 1,715 |
| Net loans and leases to total assets | 61.8689% | 3,385 |
| Net loans and leases to deposits | 70.6652% | 3,690 |
| Net loans and leases to core deposits | 81.2792% | 2,966 |
| Total domestic deposits to total assets | 87.5522% | 2,381 |
| Equity capital to assets | 10.4555% | 3,336 |
| Core capital (leverage) ratio | 10.8543% | 2,613 |
| Tier 1 risk-based capital ratio | 17.1429% | 2,650 |
| Total risk-based capital ratio | 18.3977% | 2,609 |
| Memoranda: | ||
| Average total assets | $39,084,500 | 6,380 |
| Average earning assets | $34,946,750 | 6,391 |
| Average equity | $4,271,500 | 6,343 |
| Average total loans | $22,321,500 | 6,170 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8862% | 1,127 |
| Cost of funding earning assets | 0.5566% | 3,347 |
| Net interest margin | 4.3296% | 980 |
| Noninterest income to average assets | 0.3989% | 4,540 |
| Noninterest expense to average assets | 3.8745% | 1,013 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3315% | 5,484 |
| Return on assets (ROA) | 0.3315% | 5,644 |
| Pretax return on assets | 0.3522% | 5,744 |
| Return on Equity (ROE) | 2.9881% | 5,631 |
| Retained earnings to average equity (ytd only) | 2.8480% | 4,498 |
| Net charge-offs to loans | -0.6205% | 6,842 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6667% | 915 |
| Assets per employee ($millions) | 3.0267% | 5,807 |
| Cash dividends to net income (ytd only)* | 4.6875% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9449% | 1,983 |
| Loan loss allowance to noncurrent loans | 50.2910% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 2.3763% | 1,805 |
| Noncurrent loans to loans | 3.8673% | 1,035 |
| Net loans and leases to total assets | 55.3536% | 4,393 |
| Net loans and leases to deposits | 62.0937% | 4,729 |
| Net loans and leases to core deposits | 69.6247% | 4,308 |
| Total domestic deposits to total assets | 89.1453% | 1,542 |
| Equity capital to assets | 10.7276% | 3,025 |
| Core capital (leverage) ratio | 10.6283% | 2,734 |
| Tier 1 risk-based capital ratio | 18.0192% | 2,310 |
| Total risk-based capital ratio | 19.2764% | 2,275 |
| Memoranda: | ||
| Average total assets | $38,611,000 | 6,442 |
| Average earning assets | $34,137,000 | 6,459 |
| Average equity | $4,283,670 | 6,389 |
| Average total loans | $21,273,670 | 6,244 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8069% | 1,277 |
| Cost of funding earning assets | 0.5592% | 3,485 |
| Net interest margin | 4.2477% | 1,078 |
| Noninterest income to average assets | 0.3556% | 4,827 |
| Noninterest expense to average assets | 3.5771% | 1,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4707% | 4,815 |
| Return on assets (ROA) | 0.4707% | 4,981 |
| Pretax return on assets | 0.5125% | 5,214 |
| Return on Equity (ROE) | 4.1715% | 5,005 |
| Retained earnings to average equity (ytd only) | 3.8934% | 3,898 |
| Net charge-offs to loans | -1.1344% | 6,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4680% | 1,378 |
| Assets per employee ($millions) | 3.1969% | 5,633 |
| Cash dividends to net income (ytd only)* | 6.6667% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0591% | 1,894 |
| Loan loss allowance to noncurrent loans | 49.9412% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 2.4164% | 1,923 |
| Noncurrent loans to loans | 4.1231% | 1,073 |
| Net loans and leases to total assets | 52.6940% | 4,598 |
| Net loans and leases to deposits | 59.4944% | 4,852 |
| Net loans and leases to core deposits | 71.0945% | 3,944 |
| Total domestic deposits to total assets | 88.5697% | 1,962 |
| Equity capital to assets | 11.3026% | 2,633 |
| Core capital (leverage) ratio | 10.9812% | 2,282 |
| Tier 1 risk-based capital ratio | 15.9909% | 3,276 |
| Total risk-based capital ratio | 17.2444% | 3,231 |
| Memoranda: | ||
| Average total assets | $38,243,000 | 6,509 |
| Average earning assets | $33,618,500 | 6,539 |
| Average equity | $4,315,000 | 6,443 |
| Average total loans | $20,804,500 | 6,320 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1462% | 1,218 |
| Cost of funding earning assets | 0.6453% | 3,957 |
| Net interest margin | 4.5009% | 946 |
| Noninterest income to average assets | 0.4089% | 4,533 |
| Noninterest expense to average assets | 3.8091% | 1,237 |
| Loan and lease loss provision to assets | 0.3067% | 2,227 |
| Net operating income to assets | 0.2221% | 5,730 |
| Return on assets (ROA) | 0.6368% | 4,320 |
| Pretax return on assets | 0.8179% | 4,229 |
| Return on Equity (ROE) | 5.1042% | 4,633 |
| Retained earnings to average equity (ytd only) | 4.2613% | 3,225 |
| Net charge-offs to loans | 0.2359% | 3,522 |
| Credit loss provision to net charge-offs | 256.0976% | 938 |
| Earnings coverage of net charge-offs (x) | 4.9512% | 3,194 |
| Efficiency ratio | 86.5295% | 1,377 |
| Assets per employee ($millions) | 3.1769% | 5,681 |
| Cash dividends to net income (ytd only)* | 16.5138% | 3,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7454% | 2,773 |
| Loan loss allowance to noncurrent loans | 98.9189% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.1699% | 3,706 |
| Noncurrent loans to loans | 1.7645% | 2,968 |
| Net loans and leases to total assets | 54.0435% | 4,613 |
| Net loans and leases to deposits | 61.0676% | 4,905 |
| Net loans and leases to core deposits | 67.3015% | 4,615 |
| Total domestic deposits to total assets | 88.4978% | 1,902 |
| Equity capital to assets | 11.2635% | 2,671 |
| Core capital (leverage) ratio | 11.6223% | 1,788 |
| Tier 1 risk-based capital ratio | 16.0385% | 3,144 |
| Total risk-based capital ratio | 17.2909% | 3,091 |
| Memoranda: | ||
| Average total assets | $34,234,200 | 6,651 |
| Average earning assets | $30,372,000 | 6,653 |
| Average equity | $4,271,000 | 6,508 |
| Average total loans | $17,380,600 | 6,538 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0271% | 1,618 |
| Cost of funding earning assets | 0.6553% | 4,149 |
| Net interest margin | 4.3718% | 1,273 |
| Noninterest income to average assets | 0.4129% | 4,534 |
| Noninterest expense to average assets | 3.6597% | 1,434 |
| Loan and lease loss provision to assets | 0.4209% | 1,518 |
| Net operating income to assets | 0.1868% | 5,948 |
| Return on assets (ROA) | 0.7736% | 3,835 |
| Pretax return on assets | 0.9701% | 3,823 |
| Return on Equity (ROE) | 6.0332% | 4,315 |
| Retained earnings to average equity (ytd only) | 5.6581% | 2,919 |
| Net charge-offs to loans | 0.4934% | 2,134 |
| Credit loss provision to net charge-offs | 172.1311% | 1,617 |
| Earnings coverage of net charge-offs (x) | 2.6886% | 3,959 |
| Efficiency ratio | 84.7725% | 1,501 |
| Assets per employee ($millions) | 2.7744% | 6,386 |
| Cash dividends to net income (ytd only)* | 6.2177% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8104% | 2,766 |
| Loan loss allowance to noncurrent loans | 86.1042% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.9734% | 2,687 |
| Noncurrent loans to loans | 2.1026% | 2,730 |
| Net loans and leases to total assets | 56.5284% | 4,369 |
| Net loans and leases to deposits | 65.1076% | 4,578 |
| Net loans and leases to core deposits | 75.2048% | 3,823 |
| Total domestic deposits to total assets | 86.8231% | 2,787 |
| Equity capital to assets | 12.9847% | 1,597 |
| Core capital (leverage) ratio | 12.4781% | 1,420 |
| Tier 1 risk-based capital ratio | 18.2161% | 2,261 |
| Total risk-based capital ratio | 18.5077% | 2,580 |
| Memoranda: | ||
| Average total assets | $33,262,000 | 6,754 |
| Average earning assets | $29,704,750 | 6,757 |
| Average equity | $4,265,250 | 6,580 |
| Average total loans | $16,483,500 | 6,661 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9440% | 1,943 |
| Cost of funding earning assets | 0.6822% | 4,166 |
| Net interest margin | 4.2618% | 1,574 |
| Noninterest income to average assets | 0.4030% | 4,625 |
| Noninterest expense to average assets | 3.4284% | 1,963 |
| Loan and lease loss provision to assets | 0.6315% | 925 |
| Net operating income to assets | 0.1038% | 6,148 |
| Return on assets (ROA) | 0.9624% | 2,855 |
| Pretax return on assets | 1.2390% | 2,770 |
| Return on Equity (ROE) | 7.5365% | 3,484 |
| Retained earnings to average equity (ytd only) | 7.0655% | 2,068 |
| Net charge-offs to loans | 0.8468% | 1,309 |
| Credit loss provision to net charge-offs | 159.0909% | 1,750 |
| Earnings coverage of net charge-offs (x) | 1.9394% | 4,008 |
| Efficiency ratio | 81.6619% | 1,934 |
| Assets per employee ($millions) | 3.2738% | 5,501 |
| Cash dividends to net income (ytd only)* | 6.2500% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0065% | 2,209 |
| Loan loss allowance to noncurrent loans | 51.2012% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 2.2665% | 2,471 |
| Noncurrent loans to loans | 3.9188% | 1,418 |
| Net loans and leases to total assets | 50.8705% | 5,243 |
| Net loans and leases to deposits | 58.6285% | 5,384 |
| Net loans and leases to core deposits | 67.9173% | 4,797 |
| Total domestic deposits to total assets | 86.7677% | 2,915 |
| Equity capital to assets | 13.0827% | 1,476 |
| Core capital (leverage) ratio | 12.1620% | 1,512 |
| Tier 1 risk-based capital ratio | 18.4670% | 2,145 |
| Total risk-based capital ratio | 19.6963% | 2,106 |
| Memoranda: | ||
| Average total assets | $33,251,670 | 6,803 |
| Average earning assets | $29,611,670 | 6,808 |
| Average equity | $4,246,000 | 6,617 |
| Average total loans | $15,589,000 | 6,761 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 3,009 |
| Cost of funding earning assets | 0.6866% | 4,394 |
| Net interest margin | 4.0255% | 2,396 |
| Noninterest income to average assets | 0.2746% | 5,675 |
| Noninterest expense to average assets | 3.1395% | 2,791 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5494% | 4,599 |
| Return on assets (ROA) | 1.8622% | 598 |
| Pretax return on assets | 2.3875% | 401 |
| Return on Equity (ROE) | 14.7605% | 1,022 |
| Retained earnings to average equity (ytd only) | 14.4766% | 512 |
| Net charge-offs to loans | -0.5374% | 7,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6770% | 1,976 |
| Assets per employee ($millions) | 4.8064% | 2,500 |
| Cash dividends to net income (ytd only)* | 1.9231% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0517% | 2,215 |
| Loan loss allowance to noncurrent loans | 47.7745% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 2.3035% | 2,580 |
| Noncurrent loans to loans | 4.2946% | 1,393 |
| Net loans and leases to total assets | 45.6888% | 5,821 |
| Net loans and leases to deposits | 52.4552% | 5,943 |
| Net loans and leases to core deposits | 60.4649% | 5,488 |
| Total domestic deposits to total assets | 87.1006% | 2,901 |
| Equity capital to assets | 12.7419% | 1,576 |
| Core capital (leverage) ratio | 12.0953% | 1,536 |
| Tier 1 risk-based capital ratio | 19.4166% | 1,864 |
| Total risk-based capital ratio | 20.6847% | 1,825 |
| Memoranda: | ||
| Average total assets | $33,508,500 | 6,849 |
| Average earning assets | $29,710,500 | 6,862 |
| Average equity | $4,227,500 | 6,653 |
| Average total loans | $14,886,000 | 6,864 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0462% | 2,676 |
| Cost of funding earning assets | 0.9361% | 3,829 |
| Net interest margin | 4.1101% | 2,389 |
| Noninterest income to average assets | 0.1807% | 6,201 |
| Noninterest expense to average assets | 3.4664% | 2,073 |
| Loan and lease loss provision to assets | 0.1643% | 4,577 |
| Net operating income to assets | 0.2302% | 5,487 |
| Return on assets (ROA) | 0.5454% | 4,444 |
| Pretax return on assets | 0.5750% | 4,763 |
| Return on Equity (ROE) | 4.6821% | 4,535 |
| Retained earnings to average equity (ytd only) | 4.5975% | 2,906 |
| Net charge-offs to loans | 0.2135% | 4,455 |
| Credit loss provision to net charge-offs | 172.4138% | 1,538 |
| Earnings coverage of net charge-offs (x) | 4.2759% | 3,185 |
| Efficiency ratio | 89.4826% | 1,228 |
| Assets per employee ($millions) | 4.1715% | 3,511 |
| Cash dividends to net income (ytd only)* | 1.8072% | 4,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1452% | 1,905 |
| Loan loss allowance to noncurrent loans | 81.6216% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.8908% | 3,123 |
| Noncurrent loans to loans | 2.6282% | 2,479 |
| Net loans and leases to total assets | 41.2801% | 6,445 |
| Net loans and leases to deposits | 47.2347% | 6,550 |
| Net loans and leases to core deposits | 50.4893% | 6,507 |
| Total domestic deposits to total assets | 87.3936% | 2,533 |
| Equity capital to assets | 12.4895% | 1,803 |
| Core capital (leverage) ratio | 12.3647% | 1,408 |
| Tier 1 risk-based capital ratio | 20.1019% | 1,616 |
| Total risk-based capital ratio | 21.3576% | 1,583 |
| Memoranda: | ||
| Average total assets | $30,434,800 | 6,962 |
| Average earning assets | $27,347,200 | 6,943 |
| Average equity | $3,545,400 | 6,868 |
| Average total loans | $13,581,800 | 6,964 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1230% | 2,504 |
| Cost of funding earning assets | 0.9813% | 3,810 |
| Net interest margin | 4.1417% | 2,298 |
| Noninterest income to average assets | 0.3277% | 5,241 |
| Noninterest expense to average assets | 3.3310% | 2,400 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5857% | 4,151 |
| Return on assets (ROA) | 0.9742% | 2,582 |
| Pretax return on assets | 1.1537% | 2,815 |
| Return on Equity (ROE) | 8.5354% | 2,803 |
| Retained earnings to average equity (ytd only) | 8.5354% | 1,301 |
| Net charge-offs to loans | -0.0693% | 7,112 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8125% | 1,868 |
| Assets per employee ($millions) | 3.4071% | 5,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0724% | 2,137 |
| Loan loss allowance to noncurrent loans | 61.1940% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 2.5111% | 2,572 |
| Noncurrent loans to loans | 3.3865% | 2,040 |
| Net loans and leases to total assets | 44.2278% | 6,319 |
| Net loans and leases to deposits | 51.3634% | 6,425 |
| Net loans and leases to core deposits | 55.2987% | 6,367 |
| Total domestic deposits to total assets | 86.1075% | 3,167 |
| Equity capital to assets | 13.7718% | 1,257 |
| Core capital (leverage) ratio | 13.7057% | 982 |
| Tier 1 risk-based capital ratio | 22.1410% | 1,263 |
| Total risk-based capital ratio | 23.3920% | 1,240 |
| Memoranda: | ||
| Average total assets | $29,700,500 | 7,047 |
| Average earning assets | $26,494,250 | 7,045 |
| Average equity | $3,389,750 | 6,970 |
| Average total loans | $13,457,750 | 7,043 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1946% | 2,278 |
| Cost of funding earning assets | 1.0010% | 3,941 |
| Net interest margin | 4.1936% | 2,063 |
| Noninterest income to average assets | 0.3404% | 5,157 |
| Noninterest expense to average assets | 3.3016% | 2,556 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7029% | 3,533 |
| Return on assets (ROA) | 0.7148% | 3,584 |
| Pretax return on assets | 0.8169% | 3,960 |
| Return on Equity (ROE) | 6.7481% | 3,555 |
| Retained earnings to average equity (ytd only) | 6.7481% | 1,988 |
| Net charge-offs to loans | -0.3902% | 7,372 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4312% | 2,318 |
| Assets per employee ($millions) | 3.6769% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2715% | 1,792 |
| Loan loss allowance to noncurrent loans | 63.4855% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 2.6619% | 2,507 |
| Noncurrent loans to loans | 3.5781% | 1,973 |
| Net loans and leases to total assets | 44.7561% | 6,368 |
| Net loans and leases to deposits | 50.3403% | 6,572 |
| Net loans and leases to core deposits | 57.1844% | 6,335 |
| Total domestic deposits to total assets | 88.9070% | 1,592 |
| Equity capital to assets | 10.9910% | 2,965 |
| Core capital (leverage) ratio | 10.2470% | 2,979 |
| Tier 1 risk-based capital ratio | 16.9402% | 2,550 |
| Total risk-based capital ratio | 18.1782% | 2,522 |
| Memoranda: | ||
| Average total assets | $29,379,330 | 7,119 |
| Average earning assets | $26,373,330 | 7,113 |
| Average equity | $3,112,000 | 7,099 |
| Average total loans | $13,327,330 | 7,115 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0322% | 2,945 |
| Cost of funding earning assets | 1.0034% | 4,179 |
| Net interest margin | 4.0288% | 2,570 |
| Noninterest income to average assets | 0.4359% | 4,406 |
| Noninterest expense to average assets | 3.2015% | 2,888 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7357% | 3,342 |
| Return on assets (ROA) | 0.7357% | 3,409 |
| Pretax return on assets | 0.8446% | 3,723 |
| Return on Equity (ROE) | 7.0785% | 3,337 |
| Retained earnings to average equity (ytd only) | 7.0785% | 2,112 |
| Net charge-offs to loans | -0.6941% | 7,450 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1246% | 2,676 |
| Assets per employee ($millions) | 4.2127% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3007% | 1,761 |
| Loan loss allowance to noncurrent loans | 70.3016% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 2.4823% | 2,749 |
| Noncurrent loans to loans | 3.2726% | 2,295 |
| Net loans and leases to total assets | 43.6332% | 6,498 |
| Net loans and leases to deposits | 48.7941% | 6,705 |
| Net loans and leases to core deposits | 56.4862% | 6,368 |
| Total domestic deposits to total assets | 89.4232% | 1,517 |
| Equity capital to assets | 10.4819% | 3,197 |
| Core capital (leverage) ratio | 10.1007% | 3,037 |
| Tier 1 risk-based capital ratio | 16.3153% | 2,747 |
| Total risk-based capital ratio | 17.5621% | 2,714 |
| Memoranda: | ||
| Average total assets | $29,361,500 | 7,173 |
| Average earning assets | $26,310,500 | 7,164 |
| Average equity | $3,051,500 | 7,156 |
| Average total loans | $13,255,500 | 7,176 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6598% | 1,716 |
| Cost of funding earning assets | 1.2549% | 4,184 |
| Net interest margin | 4.4048% | 1,451 |
| Noninterest income to average assets | 0.3212% | 5,485 |
| Noninterest expense to average assets | 3.7921% | 1,501 |
| Loan and lease loss provision to assets | 0.4745% | 3,290 |
| Net operating income to assets | 0.0210% | 5,772 |
| Return on assets (ROA) | 0.0584% | 5,831 |
| Pretax return on assets | -0.0693% | 5,973 |
| Return on Equity (ROE) | 0.5248% | 5,825 |
| Retained earnings to average equity (ytd only) | 0.5248% | 5,312 |
| Net charge-offs to loans | 2.7392% | 657 |
| Credit loss provision to net charge-offs | 36.7232% | 6,429 |
| Earnings coverage of net charge-offs (x) | 0.2684% | 5,841 |
| Efficiency ratio | 91.6226% | 1,208 |
| Assets per employee ($millions) | 4.1763% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1063% | 2,059 |
| Loan loss allowance to noncurrent loans | 73.7533% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 2.5245% | 2,746 |
| Noncurrent loans to loans | 2.8559% | 2,666 |
| Net loans and leases to total assets | 44.6740% | 6,659 |
| Net loans and leases to deposits | 49.9159% | 6,861 |
| Net loans and leases to core deposits | 52.0858% | 6,908 |
| Total domestic deposits to total assets | 89.4985% | 1,381 |
| Equity capital to assets | 10.3031% | 3,384 |
| Core capital (leverage) ratio | 10.2242% | 2,837 |
| Tier 1 risk-based capital ratio | 15.6657% | 2,918 |
| Total risk-based capital ratio | 16.9171% | 2,876 |
| Memoranda: | ||
| Average total assets | $27,398,800 | 7,283 |
| Average earning assets | $23,746,600 | 7,296 |
| Average equity | $3,049,000 | 7,269 |
| Average total loans | $12,923,600 | 7,258 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8456% | 1,265 |
| Cost of funding earning assets | 1.2926% | 4,268 |
| Net interest margin | 4.5529% | 1,145 |
| Noninterest income to average assets | 0.3316% | 5,509 |
| Noninterest expense to average assets | 3.7811% | 1,406 |
| Loan and lease loss provision to assets | 0.5444% | 2,773 |
| Net operating income to assets | -0.0891% | 6,173 |
| Return on assets (ROA) | -0.0049% | 6,138 |
| Pretax return on assets | -0.0049% | 6,094 |
| Return on Equity (ROE) | -0.0435% | 6,139 |
| Retained earnings to average equity (ytd only) | -0.0435% | 5,797 |
| Net charge-offs to loans | 3.0890% | 487 |
| Credit loss provision to net charge-offs | 37.0370% | 6,058 |
| Earnings coverage of net charge-offs (x) | 0.3098% | 5,719 |
| Efficiency ratio | 89.2523% | 1,343 |
| Assets per employee ($millions) | 3.3395% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3854% | 1,493 |
| Loan loss allowance to noncurrent loans | 77.5061% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 2.7100% | 2,668 |
| Noncurrent loans to loans | 3.0777% | 2,594 |
| Net loans and leases to total assets | 48.5552% | 6,471 |
| Net loans and leases to deposits | 55.0851% | 6,682 |
| Net loans and leases to core deposits | 57.7534% | 6,746 |
| Total domestic deposits to total assets | 88.1457% | 1,873 |
| Equity capital to assets | 11.6597% | 2,398 |
| Core capital (leverage) ratio | 10.7840% | 2,428 |
| Tier 1 risk-based capital ratio | 17.1332% | 2,292 |
| Total risk-based capital ratio | 18.1071% | 2,354 |
| Memoranda: | ||
| Average total assets | $26,940,000 | 7,386 |
| Average earning assets | $23,105,250 | 7,411 |
| Average equity | $3,058,250 | 7,353 |
| Average total loans | $12,819,250 | 7,357 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8691% | 1,254 |
| Cost of funding earning assets | 1.2683% | 4,724 |
| Net interest margin | 4.6009% | 991 |
| Noninterest income to average assets | 0.3035% | 5,726 |
| Noninterest expense to average assets | 3.6647% | 1,639 |
| Loan and lease loss provision to assets | 0.8144% | 1,776 |
| Net operating income to assets | -0.2813% | 6,455 |
| Return on assets (ROA) | -0.2813% | 6,500 |
| Pretax return on assets | -0.2813% | 6,407 |
| Return on Equity (ROE) | -2.5006% | 6,468 |
| Retained earnings to average equity (ytd only) | -2.5006% | 6,229 |
| Net charge-offs to loans | 4.5646% | 249 |
| Credit loss provision to net charge-offs | 38.0623% | 5,635 |
| Earnings coverage of net charge-offs (x) | 0.2491% | 5,479 |
| Efficiency ratio | 87.3016% | 1,579 |
| Assets per employee ($millions) | 3.3951% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3829% | 1,449 |
| Loan loss allowance to noncurrent loans | 58.2437% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 3.1258% | 2,264 |
| Noncurrent loans to loans | 4.0912% | 1,842 |
| Net loans and leases to total assets | 49.0188% | 6,543 |
| Net loans and leases to deposits | 55.3160% | 6,776 |
| Net loans and leases to core deposits | 59.8947% | 6,721 |
| Total domestic deposits to total assets | 88.6160% | 1,666 |
| Equity capital to assets | 11.2220% | 2,667 |
| Core capital (leverage) ratio | 10.7927% | 2,401 |
| Tier 1 risk-based capital ratio | 16.3297% | 2,542 |
| Total risk-based capital ratio | 17.5854% | 2,485 |
| Memoranda: | ||
| Average total assets | $27,014,670 | 7,441 |
| Average earning assets | $22,865,330 | 7,483 |
| Average equity | $3,039,330 | 7,404 |
| Average total loans | $12,662,670 | 7,418 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9995% | 983 |
| Cost of funding earning assets | 1.2106% | 5,343 |
| Net interest margin | 4.7889% | 659 |
| Noninterest income to average assets | 0.3266% | 5,531 |
| Noninterest expense to average assets | 3.5930% | 1,750 |
| Loan and lease loss provision to assets | 1.6332% | 703 |
| Net operating income to assets | -0.9057% | 7,063 |
| Return on assets (ROA) | -0.9057% | 7,088 |
| Pretax return on assets | -0.9057% | 7,006 |
| Return on Equity (ROE) | -8.0395% | 7,056 |
| Retained earnings to average equity (ytd only) | -8.0395% | 6,833 |
| Net charge-offs to loans | 9.8895% | 56 |
| Credit loss provision to net charge-offs | 36.5449% | 4,705 |
| Earnings coverage of net charge-offs (x) | 0.1628% | 4,886 |
| Efficiency ratio | 83.1615% | 2,123 |
| Assets per employee ($millions) | 3.2741% | 5,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5375% | 1,248 |
| Loan loss allowance to noncurrent loans | 79.2405% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 2.5007% | 2,906 |
| Noncurrent loans to loans | 3.2023% | 2,492 |
| Net loans and leases to total assets | 45.8978% | 6,838 |
| Net loans and leases to deposits | 51.9354% | 7,047 |
| Net loans and leases to core deposits | 57.7675% | 6,897 |
| Total domestic deposits to total assets | 88.3748% | 1,865 |
| Equity capital to assets | 11.4763% | 2,383 |
| Core capital (leverage) ratio | 11.0654% | 2,192 |
| Tier 1 risk-based capital ratio | 17.2439% | 2,179 |
| Total risk-based capital ratio | 18.5021% | 2,129 |
| Memoranda: | ||
| Average total assets | $26,941,500 | 7,532 |
| Average earning assets | $22,468,500 | 7,584 |
| Average equity | $3,035,000 | 7,483 |
| Average total loans | $12,174,500 | 7,537 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7872% | 2,709 |
| Cost of funding earning assets | 1.1409% | 6,847 |
| Net interest margin | 4.6463% | 906 |
| Noninterest income to average assets | 0.3224% | 5,782 |
| Noninterest expense to average assets | 4.4693% | 816 |
| Loan and lease loss provision to assets | 3.0139% | 575 |
| Net operating income to assets | -1.9253% | 7,059 |
| Return on assets (ROA) | -1.9167% | 7,055 |
| Pretax return on assets | -3.1169% | 7,326 |
| Return on Equity (ROE) | -13.1871% | 6,841 |
| Retained earnings to average equity (ytd only) | -14.2347% | 6,833 |
| Net charge-offs to loans | 5.6265% | 197 |
| Credit loss provision to net charge-offs | 135.6855% | 3,647 |
| Earnings coverage of net charge-offs (x) | -0.0524% | 6,274 |
| Efficiency ratio | 102.6749% | 986 |
| Assets per employee ($millions) | 3.4613% | 5,102 |
| Cash dividends to net income (ytd only)* | -7.9439% | 7,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1951% | 317 |
| Loan loss allowance to noncurrent loans | 83.8602% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 3.1130% | 2,225 |
| Noncurrent loans to loans | 5.0025% | 1,354 |
| Net loans and leases to total assets | 41.5674% | 7,271 |
| Net loans and leases to deposits | 46.8343% | 7,408 |
| Net loans and leases to core deposits | 51.8258% | 7,530 |
| Total domestic deposits to total assets | 88.7541% | 1,598 |
| Equity capital to assets | 11.0654% | 2,658 |
| Core capital (leverage) ratio | 12.4729% | 1,470 |
| Tier 1 risk-based capital ratio | 18.0009% | 1,897 |
| Total risk-based capital ratio | 19.2687% | 1,851 |
| Memoranda: | ||
| Average total assets | $22,330,000 | 7,721 |
| Average earning assets | $19,370,400 | 7,725 |
| Average equity | $3,245,600 | 7,518 |
| Average total loans | $8,815,400 | 7,750 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7818% | 2,968 |
| Cost of funding earning assets | 1.1393% | 7,068 |
| Net interest margin | 4.6425% | 919 |
| Noninterest income to average assets | 0.6289% | 3,506 |
| Noninterest expense to average assets | 4.8021% | 564 |
| Loan and lease loss provision to assets | 2.3058% | 737 |
| Net operating income to assets | -2.3375% | 7,425 |
| Return on assets (ROA) | -2.3375% | 7,415 |
| Pretax return on assets | -2.3375% | 7,294 |
| Return on Equity (ROE) | -14.9088% | 7,184 |
| Retained earnings to average equity (ytd only) | -16.2865% | 7,203 |
| Net charge-offs to loans | 3.9754% | 354 |
| Credit loss provision to net charge-offs | 151.8828% | 3,152 |
| Earnings coverage of net charge-offs (x) | -0.0209% | 6,092 |
| Efficiency ratio | 100.6658% | 1,029 |
| Assets per employee ($millions) | 3.0947% | 5,921 |
| Cash dividends to net income (ytd only)* | -9.2388% | 7,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0133% | 139 |
| Loan loss allowance to noncurrent loans | 83.5185% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 4.4961% | 1,362 |
| Noncurrent loans to loans | 6.0027% | 985 |
| Net loans and leases to total assets | 39.4451% | 7,486 |
| Net loans and leases to deposits | 46.4933% | 7,551 |
| Net loans and leases to core deposits | 53.0251% | 7,624 |
| Total domestic deposits to total assets | 84.8405% | 3,313 |
| Equity capital to assets | 14.6332% | 1,108 |
| Core capital (leverage) ratio | 13.7556% | 1,155 |
| Tier 1 risk-based capital ratio | 23.3603% | 1,065 |
| Total risk-based capital ratio | 24.5833% | 1,042 |
| Memoranda: | ||
| Average total assets | $20,990,000 | 7,824 |
| Average earning assets | $18,725,000 | 7,814 |
| Average equity | $3,291,000 | 7,574 |
| Average total loans | $8,015,750 | 7,861 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6860% | 3,627 |
| Cost of funding earning assets | 1.1329% | 7,291 |
| Net interest margin | 4.5531% | 1,050 |
| Noninterest income to average assets | 0.6838% | 3,091 |
| Noninterest expense to average assets | 4.7193% | 633 |
| Loan and lease loss provision to assets | 2.2922% | 697 |
| Net operating income to assets | -2.2634% | 7,499 |
| Return on assets (ROA) | -2.2634% | 7,497 |
| Pretax return on assets | -2.2634% | 7,363 |
| Return on Equity (ROE) | -14.1085% | 7,288 |
| Retained earnings to average equity (ytd only) | -16.1497% | 7,305 |
| Net charge-offs to loans | 6.0606% | 180 |
| Credit loss provision to net charge-offs | 102.1459% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.0129% | 5,671 |
| Efficiency ratio | 99.3915% | 1,203 |
| Assets per employee ($millions) | 2.7646% | 6,710 |
| Cash dividends to net income (ytd only)* | -14.4681% | 7,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9590% | 270 |
| Loan loss allowance to noncurrent loans | 41.6040% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 4.4717% | 1,252 |
| Noncurrent loans to loans | 9.5159% | 383 |
| Net loans and leases to total assets | 36.4154% | 7,692 |
| Net loans and leases to deposits | 43.5775% | 7,712 |
| Net loans and leases to core deposits | 51.2211% | 7,733 |
| Total domestic deposits to total assets | 83.5647% | 3,980 |
| Equity capital to assets | 14.4188% | 1,187 |
| Core capital (leverage) ratio | 14.4952% | 1,023 |
| Tier 1 risk-based capital ratio | 25.7098% | 879 |
| Total risk-based capital ratio | 27.0556% | 856 |
| Memoranda: | ||
| Average total assets | $20,765,670 | 7,904 |
| Average earning assets | $18,536,670 | 7,897 |
| Average equity | $3,331,330 | 7,624 |
| Average total loans | $7,689,000 | 7,959 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9710% | 2,478 |
| Cost of funding earning assets | 1.1629% | 7,384 |
| Net interest margin | 4.8081% | 598 |
| Noninterest income to average assets | 0.7964% | 2,348 |
| Noninterest expense to average assets | 4.6989% | 594 |
| Loan and lease loss provision to assets | 1.2544% | 1,019 |
| Net operating income to assets | -0.8761% | 7,173 |
| Return on assets (ROA) | -0.8761% | 7,204 |
| Pretax return on assets | -0.8761% | 7,081 |
| Return on Equity (ROE) | -5.1727% | 6,989 |
| Retained earnings to average equity (ytd only) | -8.9346% | 7,008 |
| Net charge-offs to loans | 4.6863% | 236 |
| Credit loss provision to net charge-offs | 73.2558% | 4,292 |
| Earnings coverage of net charge-offs (x) | 0.2209% | 4,808 |
| Efficiency ratio | 92.5490% | 1,534 |
| Assets per employee ($millions) | 2.6044% | 7,089 |
| Cash dividends to net income (ytd only)* | -72.7273% | 8,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9795% | 226 |
| Loan loss allowance to noncurrent loans | 75.1861% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 2.8462% | 1,995 |
| Noncurrent loans to loans | 5.2929% | 1,001 |
| Net loans and leases to total assets | 35.0900% | 7,761 |
| Net loans and leases to deposits | 42.0342% | 7,781 |
| Net loans and leases to core deposits | 50.2785% | 7,783 |
| Total domestic deposits to total assets | 83.4797% | 3,924 |
| Equity capital to assets | 16.2995% | 823 |
| Core capital (leverage) ratio | 15.4443% | 875 |
| Tier 1 risk-based capital ratio | 29.4149% | 661 |
| Total risk-based capital ratio | 30.6807% | 640 |
| Memoranda: | ||
| Average total assets | $20,090,000 | 7,973 |
| Average earning assets | $17,886,500 | 7,969 |
| Average equity | $3,402,500 | 7,655 |
| Average total loans | $7,340,500 | 8,024 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3542% | 3,672 |
| Cost of funding earning assets | 1.3192% | 7,828 |
| Net interest margin | 5.0350% | 468 |
| Noninterest income to average assets | 0.7160% | 3,019 |
| Noninterest expense to average assets | 3.9052% | 1,548 |
| Loan and lease loss provision to assets | 0.8662% | 1,721 |
| Net operating income to assets | 0.5958% | 4,316 |
| Return on assets (ROA) | 0.6258% | 4,051 |
| Pretax return on assets | 0.5607% | 4,813 |
| Return on Equity (ROE) | 3.6528% | 4,975 |
| Retained earnings to average equity (ytd only) | -0.5260% | 5,446 |
| Net charge-offs to loans | 1.3356% | 882 |
| Credit loss provision to net charge-offs | 173.0000% | 2,949 |
| Earnings coverage of net charge-offs (x) | 2.7900% | 4,694 |
| Efficiency ratio | 73.6544% | 3,635 |
| Assets per employee ($millions) | 3.2242% | 5,415 |
| Cash dividends to net income (ytd only)* | 114.4000% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6271% | 123 |
| Loan loss allowance to noncurrent loans | 65.0099% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 3.5875% | 1,226 |
| Noncurrent loans to loans | 7.1176% | 422 |
| Net loans and leases to total assets | 34.8410% | 7,870 |
| Net loans and leases to deposits | 42.4620% | 7,886 |
| Net loans and leases to core deposits | 46.9883% | 7,943 |
| Total domestic deposits to total assets | 82.0522% | 4,180 |
| Equity capital to assets | 17.6221% | 703 |
| Core capital (leverage) ratio | 17.1375% | 682 |
| Tier 1 risk-based capital ratio | 31.5883% | 569 |
| Total risk-based capital ratio | 32.8645% | 557 |
| Memoranda: | ||
| Average total assets | $19,973,400 | 8,014 |
| Average earning assets | $18,192,800 | 8,000 |
| Average equity | $3,422,000 | 7,711 |
| Average total loans | $7,487,400 | 8,056 |