Home > The Peoples Savings and Loan Company > Performance and Condition Ratios
The Peoples Savings and Loan Company, 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 | 4.1867% | 3,651 |
| Cost of funding earning assets | 1.8107% | 1,234 |
| Net interest margin | 2.3760% | 4,204 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 2.0271% | 3,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2551% | 4,089 |
| Return on assets (ROA) | 0.2551% | 4,095 |
| Pretax return on assets | 0.2960% | 4,093 |
| Return on Equity (ROE) | 2.7400% | 4,060 |
| Retained earnings to average equity (ytd only) | 2.7369% | 3,365 |
| Net charge-offs to loans | 0.0012% | 2,814 |
| Credit loss provision to net charge-offs | 400.0000% | 783 |
| Earnings coverage of net charge-offs (x) | 286.0000% | 447 |
| Efficiency ratio | 87.0997% | 512 |
| Assets per employee ($millions) | 9.5453% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 3,673 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 89.4400% | 45 |
| Net loans and leases to deposits | 133.7213% | 35 |
| Net loans and leases to core deposits | 138.6130% | 290 |
| Total domestic deposits to total assets | 66.8800% | 4,359 |
| Equity capital to assets | 9.4109% | 2,413 |
| Core capital (leverage) ratio | 9.3035% | 3,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $95,258,400 | 3,869 |
| Average earning assets | $89,689,400 | 3,838 |
| Average equity | $8,878,800 | 3,834 |
| Average total loans | $82,450,200 | 3,373 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0547% | 3,748 |
| Cost of funding earning assets | 1.6680% | 1,242 |
| Net interest margin | 2.3867% | 4,244 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 1.9549% | 3,701 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.3319% | 4,081 |
| Return on assets (ROA) | 0.3319% | 4,087 |
| Pretax return on assets | 0.3795% | 4,085 |
| Return on Equity (ROE) | 3.5700% | 4,034 |
| Retained earnings to average equity (ytd only) | 3.5694% | 3,364 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.5428% | 640 |
| Assets per employee ($millions) | 9.6053% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 3,644 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 87.5500% | 97 |
| Net loans and leases to deposits | 131.0192% | 39 |
| Net loans and leases to core deposits | 136.3933% | 262 |
| Total domestic deposits to total assets | 66.8200% | 4,391 |
| Equity capital to assets | 9.3219% | 2,212 |
| Core capital (leverage) ratio | 9.5064% | 3,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $95,209,750 | 3,886 |
| Average earning assets | $89,605,250 | 3,854 |
| Average equity | $8,852,750 | 3,843 |
| Average total loans | $81,524,250 | 3,392 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 3,817 |
| Cost of funding earning assets | 1.5186% | 1,210 |
| Net interest margin | 2.4136% | 4,289 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 1.9088% | 3,800 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.3940% | 4,013 |
| Return on assets (ROA) | 0.3940% | 4,026 |
| Pretax return on assets | 0.4403% | 4,057 |
| Return on Equity (ROE) | 4.2400% | 3,999 |
| Retained earnings to average equity (ytd only) | 4.2408% | 3,148 |
| Net charge-offs to loans | -0.0025% | 3,565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.9651% | 780 |
| Assets per employee ($millions) | 8.3575% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 3,604 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 88.9100% | 57 |
| Net loans and leases to deposits | 130.0003% | 52 |
| Net loans and leases to core deposits | 135.3900% | 259 |
| Total domestic deposits to total assets | 68.3900% | 4,399 |
| Equity capital to assets | 9.6876% | 2,039 |
| Core capital (leverage) ratio | 9.7292% | 3,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $94,928,667 | 3,896 |
| Average earning assets | $89,160,333 | 3,873 |
| Average equity | $8,819,000 | 3,866 |
| Average total loans | $80,405,000 | 3,409 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7748% | 3,904 |
| Cost of funding earning assets | 1.3085% | 1,211 |
| Net interest margin | 2.4662% | 4,335 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.8708% | 3,917 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.4024% | 4,087 |
| Return on assets (ROA) | 0.4024% | 4,034 |
| Pretax return on assets | 0.5019% | 3,985 |
| Return on Equity (ROE) | 4.4200% | 3,967 |
| Retained earnings to average equity (ytd only) | 4.4214% | 3,148 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.4348% | 962 |
| Assets per employee ($millions) | 8.3028% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 3,587 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 79.4700% | 589 |
| Net loans and leases to deposits | 114.1015% | 126 |
| Net loans and leases to core deposits | 117.3116% | 506 |
| Total domestic deposits to total assets | 69.6500% | 4,426 |
| Equity capital to assets | 8.8574% | 2,625 |
| Core capital (leverage) ratio | 9.7108% | 2,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $96,427,000 | 3,935 |
| Average earning assets | $90,177,500 | 3,915 |
| Average equity | $8,775,500 | 3,915 |
| Average total loans | $79,345,000 | 3,464 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6388% | 2,686 |
| Cost of funding earning assets | 0.5944% | 921 |
| Net interest margin | 3.0443% | 3,322 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.2560% | 2,875 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.6017% | 3,878 |
| Return on assets (ROA) | 0.6017% | 3,833 |
| Pretax return on assets | 0.7464% | 3,752 |
| Return on Equity (ROE) | 5.8800% | 3,850 |
| Retained earnings to average equity (ytd only) | 5.8771% | 2,687 |
| Net charge-offs to loans | 0.0166% | 1,783 |
| Credit loss provision to net charge-offs | 100.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 52.5833% | 1,324 |
| Efficiency ratio | 74.7802% | 1,143 |
| Assets per employee ($millions) | 7.7683% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 3,428 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 83.6100% | 289 |
| Net loans and leases to deposits | 121.2696% | 67 |
| Net loans and leases to core deposits | 127.1493% | 260 |
| Total domestic deposits to total assets | 68.9400% | 4,492 |
| Equity capital to assets | 9.3607% | 2,102 |
| Core capital (leverage) ratio | 9.8121% | 2,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $82,936,200 | 4,093 |
| Average earning assets | $78,900,600 | 4,050 |
| Average equity | $8,490,600 | 4,050 |
| Average total loans | $72,417,800 | 3,535 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5772% | 2,406 |
| Cost of funding earning assets | 0.5307% | 637 |
| Net interest margin | 3.0465% | 3,091 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 2.2182% | 2,879 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.6288% | 3,753 |
| Return on assets (ROA) | 0.6288% | 3,706 |
| Pretax return on assets | 0.7764% | 3,639 |
| Return on Equity (ROE) | 5.9900% | 3,804 |
| Retained earnings to average equity (ytd only) | 5.9931% | 2,762 |
| Net charge-offs to loans | 0.0320% | 1,199 |
| Credit loss provision to net charge-offs | 52.9412% | 1,516 |
| Earnings coverage of net charge-offs (x) | 28.0588% | 1,555 |
| Efficiency ratio | 73.7045% | 1,308 |
| Assets per employee ($millions) | 7.1398% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 3,346 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 86.7800% | 94 |
| Net loans and leases to deposits | 121.5799% | 50 |
| Net loans and leases to core deposits | 126.0592% | 180 |
| Total domestic deposits to total assets | 71.3800% | 4,518 |
| Equity capital to assets | 10.0446% | 1,596 |
| Core capital (leverage) ratio | 10.1506% | 2,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $80,365,250 | 4,155 |
| Average earning assets | $76,369,750 | 4,111 |
| Average equity | $8,431,750 | 4,102 |
| Average total loans | $70,841,750 | 3,578 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5017% | 2,139 |
| Cost of funding earning assets | 0.4987% | 521 |
| Net interest margin | 3.0030% | 2,861 |
| Noninterest income to average assets | 0.1120% | 4,439 |
| Noninterest expense to average assets | 2.2801% | 2,607 |
| Loan and lease loss provision to assets | 0.0153% | 2,323 |
| Net operating income to assets | 0.5446% | 3,782 |
| Return on assets (ROA) | 0.5446% | 3,736 |
| Pretax return on assets | 0.6667% | 3,665 |
| Return on Equity (ROE) | 5.1113% | 3,789 |
| Retained earnings to average equity (ytd only) | 5.1113% | 2,664 |
| Net charge-offs to loans | 0.0346% | 1,045 |
| Credit loss provision to net charge-offs | 50.0000% | 1,495 |
| Earnings coverage of net charge-offs (x) | 22.3333% | 1,505 |
| Efficiency ratio | 76.9759% | 1,177 |
| Assets per employee ($millions) | 6.9228% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 3,269 |
| Loan loss allowance to noncurrent loans | 5,166.6667% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 3,832 |
| Noncurrent loans to loans | 0.0208% | 3,812 |
| Net loans and leases to total assets | 86.0474% | 86 |
| Net loans and leases to deposits | 122.1994% | 38 |
| Net loans and leases to core deposits | 126.2304% | 144 |
| Total domestic deposits to total assets | 70.4155% | 4,610 |
| Equity capital to assets | 10.1789% | 1,605 |
| Core capital (leverage) ratio | 10.4416% | 1,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,594,333 | 4,218 |
| Average earning assets | $74,592,667 | 4,183 |
| Average equity | $8,373,667 | 4,162 |
| Average total loans | $69,414,000 | 3,629 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4526% | 1,944 |
| Cost of funding earning assets | 0.5027% | 487 |
| Net interest margin | 2.9499% | 2,671 |
| Noninterest income to average assets | 0.1048% | 4,485 |
| Noninterest expense to average assets | 2.3627% | 2,292 |
| Loan and lease loss provision to assets | 0.0157% | 2,067 |
| Net operating income to assets | 0.4453% | 3,856 |
| Return on assets (ROA) | 0.4453% | 3,822 |
| Pretax return on assets | 0.5239% | 3,825 |
| Return on Equity (ROE) | 4.0804% | 3,855 |
| Retained earnings to average equity (ytd only) | 4.0804% | 2,906 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4079% | 1,034 |
| Assets per employee ($millions) | 6.4466% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 3,128 |
| Loan loss allowance to noncurrent loans | 15,700.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 4,026 |
| Noncurrent loans to loans | 0.0073% | 3,972 |
| Net loans and leases to total assets | 87.6239% | 32 |
| Net loans and leases to deposits | 119.7975% | 35 |
| Net loans and leases to core deposits | 125.0207% | 118 |
| Total domestic deposits to total assets | 73.1434% | 4,594 |
| Equity capital to assets | 10.8016% | 1,440 |
| Core capital (leverage) ratio | 10.8980% | 1,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,354,500 | 4,267 |
| Average earning assets | $72,408,500 | 4,231 |
| Average equity | $8,332,500 | 4,234 |
| Average total loans | $67,992,000 | 3,658 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7711% | 1,937 |
| Cost of funding earning assets | 0.5160% | 868 |
| Net interest margin | 3.2551% | 2,446 |
| Noninterest income to average assets | 0.1488% | 4,406 |
| Noninterest expense to average assets | 2.5492% | 2,028 |
| Loan and lease loss provision to assets | 0.0173% | 2,726 |
| Net operating income to assets | 0.5557% | 3,967 |
| Return on assets (ROA) | 0.5604% | 4,008 |
| Pretax return on assets | 0.6860% | 3,958 |
| Return on Equity (ROE) | 4.7592% | 4,051 |
| Retained earnings to average equity (ytd only) | 4.7592% | 2,890 |
| Net charge-offs to loans | 0.0033% | 2,496 |
| Credit loss provision to net charge-offs | 600.0000% | 725 |
| Earnings coverage of net charge-offs (x) | 241.5000% | 478 |
| Efficiency ratio | 78.5142% | 904 |
| Assets per employee ($millions) | 6.2792% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 3,081 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 88.4300% | 24 |
| Net loans and leases to deposits | 120.2722% | 39 |
| Net loans and leases to core deposits | 123.8674% | 133 |
| Total domestic deposits to total assets | 73.5249% | 4,599 |
| Equity capital to assets | 11.0272% | 1,773 |
| Core capital (leverage) ratio | 11.4038% | 1,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,237,600 | 4,347 |
| Average earning assets | $65,896,200 | 4,313 |
| Average equity | $8,152,600 | 4,319 |
| Average total loans | $60,388,000 | 3,807 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7877% | 2,040 |
| Cost of funding earning assets | 0.5314% | 906 |
| Net interest margin | 3.2563% | 2,563 |
| Noninterest income to average assets | 0.1615% | 4,393 |
| Noninterest expense to average assets | 2.5658% | 1,942 |
| Loan and lease loss provision to assets | 0.0177% | 2,653 |
| Net operating income to assets | 0.5592% | 4,083 |
| Return on assets (ROA) | 0.5592% | 4,123 |
| Pretax return on assets | 0.6794% | 4,106 |
| Return on Equity (ROE) | 4.6670% | 4,193 |
| Retained earnings to average equity (ytd only) | 4.6670% | 3,348 |
| Net charge-offs to loans | 0.0114% | 1,905 |
| Credit loss provision to net charge-offs | 180.0000% | 1,257 |
| Earnings coverage of net charge-offs (x) | 70.8000% | 1,060 |
| Efficiency ratio | 78.6361% | 831 |
| Assets per employee ($millions) | 5.9565% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 2,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 87.4227% | 45 |
| Net loans and leases to deposits | 111.2837% | 85 |
| Net loans and leases to core deposits | 115.2809% | 236 |
| Total domestic deposits to total assets | 78.5584% | 4,370 |
| Equity capital to assets | 11.5182% | 1,659 |
| Core capital (leverage) ratio | 11.7198% | 1,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,709,500 | 4,419 |
| Average earning assets | $64,488,000 | 4,386 |
| Average equity | $8,113,500 | 4,380 |
| Average total loans | $58,631,500 | 3,895 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8603% | 1,920 |
| Cost of funding earning assets | 0.5560% | 913 |
| Net interest margin | 3.3043% | 2,419 |
| Noninterest income to average assets | 0.1625% | 4,385 |
| Noninterest expense to average assets | 2.6244% | 1,793 |
| Loan and lease loss provision to assets | 0.0181% | 2,600 |
| Net operating income to assets | 0.5568% | 4,086 |
| Return on assets (ROA) | 0.5568% | 4,137 |
| Pretax return on assets | 0.6681% | 4,132 |
| Return on Equity (ROE) | 4.5828% | 4,218 |
| Retained earnings to average equity (ytd only) | 4.5828% | 3,333 |
| Net charge-offs to loans | 0.0175% | 1,598 |
| Credit loss provision to net charge-offs | 120.0000% | 1,258 |
| Earnings coverage of net charge-offs (x) | 45.6000% | 1,106 |
| Efficiency ratio | 79.2727% | 830 |
| Assets per employee ($millions) | 6.1619% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 2,427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 86.3457% | 73 |
| Net loans and leases to deposits | 111.2810% | 98 |
| Net loans and leases to core deposits | 115.5476% | 271 |
| Total domestic deposits to total assets | 77.5925% | 4,466 |
| Equity capital to assets | 12.0284% | 1,346 |
| Core capital (leverage) ratio | 11.7980% | 1,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,453,333 | 4,462 |
| Average earning assets | $63,311,333 | 4,429 |
| Average equity | $8,073,667 | 4,406 |
| Average total loans | $57,087,333 | 3,952 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9590% | 1,681 |
| Cost of funding earning assets | 0.6057% | 861 |
| Net interest margin | 3.3534% | 2,237 |
| Noninterest income to average assets | 0.1581% | 4,409 |
| Noninterest expense to average assets | 2.7846% | 1,398 |
| Loan and lease loss provision to assets | 0.0182% | 2,544 |
| Net operating income to assets | 0.4864% | 4,198 |
| Return on assets (ROA) | 0.4864% | 4,235 |
| Pretax return on assets | 0.5533% | 4,266 |
| Return on Equity (ROE) | 3.9831% | 4,287 |
| Retained earnings to average equity (ytd only) | 3.9831% | 3,506 |
| Net charge-offs to loans | 0.0357% | 1,117 |
| Credit loss provision to net charge-offs | 60.0000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 18.8000% | 1,272 |
| Efficiency ratio | 82.9710% | 650 |
| Assets per employee ($millions) | 6.1561% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 2,323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 84.7202% | 122 |
| Net loans and leases to deposits | 109.7927% | 134 |
| Net loans and leases to core deposits | 114.0239% | 320 |
| Total domestic deposits to total assets | 77.1638% | 4,505 |
| Equity capital to assets | 11.9113% | 1,333 |
| Core capital (leverage) ratio | 11.5816% | 1,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,789,500 | 4,482 |
| Average earning assets | $62,742,500 | 4,448 |
| Average equity | $8,034,000 | 4,426 |
| Average total loans | $55,982,000 | 3,989 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5491% | 1,192 |
| Cost of funding earning assets | 0.7428% | 1,494 |
| Net interest margin | 3.8063% | 1,483 |
| Noninterest income to average assets | 0.1696% | 4,440 |
| Noninterest expense to average assets | 2.9758% | 1,494 |
| Loan and lease loss provision to assets | 0.0086% | 4,249 |
| Net operating income to assets | 0.6544% | 3,573 |
| Return on assets (ROA) | 0.6544% | 3,708 |
| Pretax return on assets | 0.7932% | 3,638 |
| Return on Equity (ROE) | 4.9046% | 3,930 |
| Retained earnings to average equity (ytd only) | 4.9046% | 2,312 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7755% | 977 |
| Assets per employee ($millions) | 5.8056% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 1,834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 83.0729% | 227 |
| Net loans and leases to deposits | 105.3351% | 237 |
| Net loans and leases to core deposits | 108.9654% | 546 |
| Total domestic deposits to total assets | 78.8654% | 4,217 |
| Equity capital to assets | 12.5301% | 1,307 |
| Core capital (leverage) ratio | 12.4651% | 1,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,370,000 | 4,535 |
| Average earning assets | $55,329,800 | 4,505 |
| Average equity | $7,788,600 | 4,444 |
| Average total loans | $48,869,600 | 4,130 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5468% | 1,459 |
| Cost of funding earning assets | 0.7710% | 1,629 |
| Net interest margin | 3.7758% | 1,693 |
| Noninterest income to average assets | 0.1731% | 4,428 |
| Noninterest expense to average assets | 2.9077% | 1,685 |
| Loan and lease loss provision to assets | 0.0053% | 4,210 |
| Net operating income to assets | 0.6924% | 3,485 |
| Return on assets (ROA) | 0.6924% | 3,583 |
| Pretax return on assets | 0.8351% | 3,556 |
| Return on Equity (ROE) | 5.1021% | 3,865 |
| Retained earnings to average equity (ytd only) | 5.1021% | 2,515 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5905% | 1,079 |
| Assets per employee ($millions) | 5.6357% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 1,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 81.9222% | 439 |
| Net loans and leases to deposits | 104.8539% | 361 |
| Net loans and leases to core deposits | 108.5983% | 747 |
| Total domestic deposits to total assets | 78.1298% | 4,178 |
| Equity capital to assets | 12.7837% | 1,289 |
| Core capital (leverage) ratio | 12.6608% | 1,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,997,000 | 4,570 |
| Average earning assets | $53,956,250 | 4,545 |
| Average equity | $7,735,250 | 4,475 |
| Average total loans | $47,631,000 | 4,170 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6177% | 1,609 |
| Cost of funding earning assets | 0.7958% | 1,848 |
| Net interest margin | 3.8220% | 1,770 |
| Noninterest income to average assets | 0.1735% | 4,423 |
| Noninterest expense to average assets | 2.9097% | 1,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7410% | 3,239 |
| Return on assets (ROA) | 0.7410% | 3,364 |
| Pretax return on assets | 0.8747% | 3,388 |
| Return on Equity (ROE) | 5.3441% | 3,734 |
| Retained earnings to average equity (ytd only) | 5.3441% | 2,333 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8863% | 1,170 |
| Assets per employee ($millions) | 5.3735% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 1,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 82.3326% | 392 |
| Net loans and leases to deposits | 107.1325% | 285 |
| Net loans and leases to core deposits | 110.4439% | 724 |
| Total domestic deposits to total assets | 76.8512% | 4,330 |
| Equity capital to assets | 13.2602% | 1,055 |
| Core capital (leverage) ratio | 13.2452% | 937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,331,667 | 4,607 |
| Average earning assets | $52,276,667 | 4,587 |
| Average equity | $7,672,000 | 4,503 |
| Average total loans | $46,323,000 | 4,206 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6096% | 1,969 |
| Cost of funding earning assets | 0.8251% | 2,248 |
| Net interest margin | 3.7845% | 2,038 |
| Noninterest income to average assets | 0.2096% | 4,294 |
| Noninterest expense to average assets | 3.0537% | 1,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6586% | 3,416 |
| Return on assets (ROA) | 0.6586% | 3,475 |
| Pretax return on assets | 0.7260% | 3,609 |
| Return on Equity (ROE) | 4.6383% | 3,768 |
| Retained earnings to average equity (ytd only) | 4.6383% | 2,440 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7921% | 1,059 |
| Assets per employee ($millions) | 5.0592% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 81.0911% | 552 |
| Net loans and leases to deposits | 107.1313% | 259 |
| Net loans and leases to core deposits | 109.3455% | 883 |
| Total domestic deposits to total assets | 75.6932% | 4,516 |
| Equity capital to assets | 13.6601% | 1,158 |
| Core capital (leverage) ratio | 14.1800% | 864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,443,000 | 4,657 |
| Average earning assets | $50,416,000 | 4,632 |
| Average equity | $7,589,000 | 4,540 |
| Average total loans | $44,768,000 | 4,256 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5122% | 2,903 |
| Cost of funding earning assets | 0.7517% | 2,909 |
| Net interest margin | 3.7605% | 2,636 |
| Noninterest income to average assets | 0.2521% | 4,167 |
| Noninterest expense to average assets | 3.3434% | 1,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3792% | 4,633 |
| Return on assets (ROA) | 0.3792% | 4,661 |
| Pretax return on assets | 0.4547% | 4,639 |
| Return on Equity (ROE) | 2.5753% | 4,733 |
| Retained earnings to average equity (ytd only) | 2.5753% | 3,749 |
| Net charge-offs to loans | -0.0191% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0293% | 439 |
| Assets per employee ($millions) | 4.6577% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 83.6811% | 348 |
| Net loans and leases to deposits | 105.7651% | 308 |
| Net loans and leases to core deposits | 108.0249% | 974 |
| Total domestic deposits to total assets | 79.1197% | 4,167 |
| Equity capital to assets | 14.7868% | 852 |
| Core capital (leverage) ratio | 14.5874% | 779 |
| Tier 1 risk-based capital ratio | 22.7383% | 938 |
| Total risk-based capital ratio | 23.9999% | 923 |
| Memoranda: | ||
| Average total assets | $50,368,200 | 4,737 |
| Average earning assets | $47,493,800 | 4,722 |
| Average equity | $7,416,600 | 4,583 |
| Average total loans | $41,923,000 | 4,362 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 3,199 |
| Cost of funding earning assets | 0.7417% | 3,002 |
| Net interest margin | 3.7113% | 2,878 |
| Noninterest income to average assets | 0.2286% | 4,368 |
| Noninterest expense to average assets | 3.2567% | 1,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3961% | 4,733 |
| Return on assets (ROA) | 0.3961% | 4,756 |
| Pretax return on assets | 0.4706% | 4,733 |
| Return on Equity (ROE) | 2.6931% | 4,815 |
| Retained earnings to average equity (ytd only) | 2.6931% | 4,016 |
| Net charge-offs to loans | -0.0257% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3752% | 434 |
| Assets per employee ($millions) | 4.5730% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8023% | 675 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 83.0746% | 442 |
| Net loans and leases to deposits | 103.1420% | 445 |
| Net loans and leases to core deposits | 105.3309% | 1,233 |
| Total domestic deposits to total assets | 80.5439% | 3,860 |
| Equity capital to assets | 14.9693% | 853 |
| Core capital (leverage) ratio | 14.8013% | 786 |
| Tier 1 risk-based capital ratio | 23.6557% | 877 |
| Total risk-based capital ratio | 24.9181% | 863 |
| Memoranda: | ||
| Average total assets | $50,151,500 | 4,812 |
| Average earning assets | $47,277,750 | 4,791 |
| Average equity | $7,376,750 | 4,643 |
| Average total loans | $41,493,500 | 4,430 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3979% | 3,338 |
| Cost of funding earning assets | 0.7203% | 3,045 |
| Net interest margin | 3.6776% | 2,998 |
| Noninterest income to average assets | 0.2196% | 4,431 |
| Noninterest expense to average assets | 3.2375% | 1,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3872% | 4,754 |
| Return on assets (ROA) | 0.3872% | 4,774 |
| Pretax return on assets | 0.4471% | 4,767 |
| Return on Equity (ROE) | 2.6482% | 4,850 |
| Retained earnings to average equity (ytd only) | 2.6482% | 3,877 |
| Net charge-offs to loans | -0.0146% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8657% | 447 |
| Assets per employee ($millions) | 4.5279% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 82.1069% | 595 |
| Net loans and leases to deposits | 102.9478% | 478 |
| Net loans and leases to core deposits | 105.1610% | 1,294 |
| Total domestic deposits to total assets | 79.7559% | 4,083 |
| Equity capital to assets | 14.9256% | 835 |
| Core capital (leverage) ratio | 14.7910% | 753 |
| Tier 1 risk-based capital ratio | 24.3609% | 813 |
| Total risk-based capital ratio | 25.6243% | 798 |
| Memoranda: | ||
| Average total assets | $50,101,000 | 4,847 |
| Average earning assets | $47,204,330 | 4,828 |
| Average equity | $7,325,670 | 4,679 |
| Average total loans | $41,139,330 | 4,468 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2830% | 3,609 |
| Cost of funding earning assets | 0.6674% | 3,220 |
| Net interest margin | 3.6157% | 3,201 |
| Noninterest income to average assets | 0.2070% | 4,507 |
| Noninterest expense to average assets | 3.1842% | 1,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3503% | 4,830 |
| Return on assets (ROA) | 0.3503% | 4,837 |
| Pretax return on assets | 0.4299% | 4,801 |
| Return on Equity (ROE) | 2.4204% | 4,907 |
| Retained earnings to average equity (ytd only) | 2.4204% | 3,950 |
| Net charge-offs to loans | -0.0098% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1057% | 476 |
| Assets per employee ($millions) | 4.5657% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8734% | 620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 79.2645% | 948 |
| Net loans and leases to deposits | 100.1988% | 622 |
| Net loans and leases to core deposits | 102.3394% | 1,434 |
| Total domestic deposits to total assets | 79.1072% | 4,336 |
| Equity capital to assets | 14.6128% | 853 |
| Core capital (leverage) ratio | 14.6813% | 768 |
| Tier 1 risk-based capital ratio | 24.3346% | 817 |
| Total risk-based capital ratio | 25.5990% | 794 |
| Memoranda: | ||
| Average total assets | $50,248,000 | 4,893 |
| Average earning assets | $47,349,500 | 4,872 |
| Average equity | $7,271,500 | 4,717 |
| Average total loans | $40,880,500 | 4,516 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3281% | 3,015 |
| Cost of funding earning assets | 0.4548% | 3,650 |
| Net interest margin | 3.8733% | 2,416 |
| Noninterest income to average assets | 0.2104% | 4,653 |
| Noninterest expense to average assets | 3.2393% | 1,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4735% | 4,719 |
| Return on assets (ROA) | 0.4347% | 4,795 |
| Pretax return on assets | 0.5566% | 4,712 |
| Return on Equity (ROE) | 3.1005% | 4,877 |
| Retained earnings to average equity (ytd only) | 3.1005% | 3,841 |
| Net charge-offs to loans | 0.0175% | 3,104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 1,229 |
| Efficiency ratio | 84.2455% | 640 |
| Assets per employee ($millions) | 5.0273% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8426% | 634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 80.4269% | 876 |
| Net loans and leases to deposits | 102.8097% | 545 |
| Net loans and leases to core deposits | 103.6770% | 1,441 |
| Total domestic deposits to total assets | 78.2289% | 4,455 |
| Equity capital to assets | 14.3298% | 882 |
| Core capital (leverage) ratio | 14.5602% | 783 |
| Tier 1 risk-based capital ratio | 24.2675% | 802 |
| Total risk-based capital ratio | 25.5327% | 781 |
| Memoranda: | ||
| Average total assets | $50,843,600 | 4,921 |
| Average earning assets | $47,711,000 | 4,902 |
| Average equity | $7,127,800 | 4,726 |
| Average total loans | $39,935,600 | 4,551 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 3,202 |
| Cost of funding earning assets | 0.4409% | 3,593 |
| Net interest margin | 3.7892% | 2,691 |
| Noninterest income to average assets | 0.2170% | 4,667 |
| Noninterest expense to average assets | 3.0883% | 1,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5282% | 4,699 |
| Return on assets (ROA) | 0.5282% | 4,704 |
| Pretax return on assets | 0.6799% | 4,577 |
| Return on Equity (ROE) | 3.7887% | 4,867 |
| Retained earnings to average equity (ytd only) | 3.7887% | 3,880 |
| Net charge-offs to loans | 0.0269% | 2,571 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 32.4892% | 1,544 |
| Efficiency ratio | 81.9570% | 778 |
| Assets per employee ($millions) | 4.9160% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8948% | 602 |
| Loan loss allowance to noncurrent loans | 4,211.1111% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 4,805 |
| Noncurrent loans to loans | 0.0450% | 4,698 |
| Net loans and leases to total assets | 79.8332% | 1,045 |
| Net loans and leases to deposits | 98.9811% | 863 |
| Net loans and leases to core deposits | 98.9811% | 1,871 |
| Total domestic deposits to total assets | 80.6550% | 3,967 |
| Equity capital to assets | 14.5667% | 815 |
| Core capital (leverage) ratio | 14.4671% | 832 |
| Tier 1 risk-based capital ratio | 24.8097% | 773 |
| Total risk-based capital ratio | 26.0758% | 748 |
| Memoranda: | ||
| Average total assets | $50,986,250 | 4,973 |
| Average earning assets | $47,784,250 | 4,958 |
| Average equity | $7,108,750 | 4,778 |
| Average total loans | $39,621,500 | 4,608 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 3,208 |
| Cost of funding earning assets | 0.4223% | 3,554 |
| Net interest margin | 3.7471% | 2,761 |
| Noninterest income to average assets | 0.2093% | 4,760 |
| Noninterest expense to average assets | 3.0158% | 2,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5349% | 4,668 |
| Return on assets (ROA) | 0.5349% | 4,676 |
| Pretax return on assets | 0.7016% | 4,508 |
| Return on Equity (ROE) | 3.8921% | 4,850 |
| Retained earnings to average equity (ytd only) | 3.8921% | 3,660 |
| Net charge-offs to loans | 0.0456% | 1,959 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 20.1111% | 1,823 |
| Efficiency ratio | 81.1262% | 907 |
| Assets per employee ($millions) | 5.0690% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9015% | 629 |
| Loan loss allowance to noncurrent loans | 3,989.4737% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 4,840 |
| Noncurrent loans to loans | 0.0477% | 4,707 |
| Net loans and leases to total assets | 77.1474% | 1,447 |
| Net loans and leases to deposits | 95.4364% | 1,205 |
| Net loans and leases to core deposits | 95.4364% | 2,110 |
| Total domestic deposits to total assets | 80.8365% | 4,046 |
| Equity capital to assets | 14.0501% | 918 |
| Core capital (leverage) ratio | 13.9566% | 918 |
| Tier 1 risk-based capital ratio | 24.4348% | 798 |
| Total risk-based capital ratio | 25.6991% | 773 |
| Memoranda: | ||
| Average total assets | $51,595,000 | 5,021 |
| Average earning assets | $48,304,330 | 4,999 |
| Average equity | $7,091,330 | 4,831 |
| Average total loans | $39,494,000 | 4,653 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0813% | 3,294 |
| Cost of funding earning assets | 0.4205% | 3,440 |
| Net interest margin | 3.6608% | 2,955 |
| Noninterest income to average assets | 0.2075% | 4,782 |
| Noninterest expense to average assets | 3.0049% | 2,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4995% | 4,692 |
| Return on assets (ROA) | 0.4995% | 4,700 |
| Pretax return on assets | 0.6148% | 4,655 |
| Return on Equity (ROE) | 3.6744% | 4,852 |
| Retained earnings to average equity (ytd only) | 3.6744% | 3,726 |
| Net charge-offs to loans | 0.0916% | 1,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 8.8889% | 2,001 |
| Efficiency ratio | 83.0149% | 860 |
| Assets per employee ($millions) | 5.1872% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9268% | 632 |
| Loan loss allowance to noncurrent loans | 3,785.0000% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 4,921 |
| Noncurrent loans to loans | 0.0509% | 4,753 |
| Net loans and leases to total assets | 74.2809% | 1,812 |
| Net loans and leases to deposits | 91.1566% | 1,540 |
| Net loans and leases to core deposits | 91.1566% | 2,364 |
| Total domestic deposits to total assets | 81.4871% | 4,099 |
| Equity capital to assets | 13.6509% | 994 |
| Core capital (leverage) ratio | 13.7252% | 939 |
| Tier 1 risk-based capital ratio | 24.3107% | 815 |
| Total risk-based capital ratio | 25.5751% | 789 |
| Memoranda: | ||
| Average total assets | $52,047,500 | 5,076 |
| Average earning assets | $48,513,500 | 5,050 |
| Average equity | $7,076,000 | 4,887 |
| Average total loans | $39,309,000 | 4,711 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3590% | 2,153 |
| Cost of funding earning assets | 0.4268% | 2,986 |
| Net interest margin | 3.9321% | 1,982 |
| Noninterest income to average assets | 0.2174% | 4,851 |
| Noninterest expense to average assets | 3.0549% | 1,994 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5015% | 4,374 |
| Return on assets (ROA) | 0.5015% | 4,409 |
| Pretax return on assets | 0.7113% | 4,482 |
| Return on Equity (ROE) | 3.7465% | 4,585 |
| Retained earnings to average equity (ytd only) | 3.7465% | 2,981 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1139% | 1,003 |
| Assets per employee ($millions) | 5.2223% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9476% | 595 |
| Loan loss allowance to noncurrent loans | 1,367.8571% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 4,597 |
| Noncurrent loans to loans | 0.1424% | 4,354 |
| Net loans and leases to total assets | 73.8449% | 1,943 |
| Net loans and leases to deposits | 90.9550% | 1,655 |
| Net loans and leases to core deposits | 90.9550% | 2,471 |
| Total domestic deposits to total assets | 81.1884% | 4,075 |
| Equity capital to assets | 13.5400% | 1,045 |
| Core capital (leverage) ratio | 13.4092% | 1,005 |
| Tier 1 risk-based capital ratio | 23.5451% | 853 |
| Total risk-based capital ratio | 24.8110% | 838 |
| Memoranda: | ||
| Average total assets | $52,440,000 | 5,114 |
| Average earning assets | $47,327,800 | 5,120 |
| Average equity | $7,019,800 | 4,932 |
| Average total loans | $39,264,200 | 4,747 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2884% | 2,301 |
| Cost of funding earning assets | 0.4353% | 2,852 |
| Net interest margin | 3.8531% | 2,208 |
| Noninterest income to average assets | 0.2260% | 4,859 |
| Noninterest expense to average assets | 2.9234% | 2,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5359% | 4,632 |
| Return on assets (ROA) | 0.5359% | 4,664 |
| Pretax return on assets | 0.7645% | 4,443 |
| Return on Equity (ROE) | 4.0150% | 4,849 |
| Retained earnings to average equity (ytd only) | 4.0150% | 3,533 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2700% | 1,182 |
| Assets per employee ($millions) | 5.2823% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9578% | 615 |
| Loan loss allowance to noncurrent loans | 1,343.8596% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 4,707 |
| Noncurrent loans to loans | 0.1457% | 4,472 |
| Net loans and leases to total assets | 72.6180% | 2,158 |
| Net loans and leases to deposits | 89.8864% | 1,823 |
| Net loans and leases to core deposits | 92.0432% | 2,440 |
| Total domestic deposits to total assets | 80.7887% | 4,106 |
| Equity capital to assets | 13.5320% | 1,146 |
| Core capital (leverage) ratio | 13.3728% | 1,076 |
| Tier 1 risk-based capital ratio | 22.8686% | 956 |
| Total risk-based capital ratio | 24.1326% | 944 |
| Memoranda: | ||
| Average total assets | $52,494,250 | 5,168 |
| Average earning assets | $47,164,500 | 5,176 |
| Average equity | $7,007,000 | 4,996 |
| Average total loans | $39,247,750 | 4,800 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 2,309 |
| Cost of funding earning assets | 0.4280% | 2,824 |
| Net interest margin | 3.8178% | 2,221 |
| Noninterest income to average assets | 0.2214% | 4,922 |
| Noninterest expense to average assets | 2.8558% | 2,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5689% | 4,432 |
| Return on assets (ROA) | 0.5689% | 4,486 |
| Pretax return on assets | 0.8056% | 4,249 |
| Return on Equity (ROE) | 4.2816% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.2816% | 3,159 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9979% | 1,463 |
| Assets per employee ($millions) | 4.7237% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9469% | 661 |
| Loan loss allowance to noncurrent loans | 2,188.5714% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 4,931 |
| Noncurrent loans to loans | 0.0890% | 4,774 |
| Net loans and leases to total assets | 74.2441% | 1,822 |
| Net loans and leases to deposits | 92.6932% | 1,406 |
| Net loans and leases to core deposits | 94.9753% | 2,069 |
| Total domestic deposits to total assets | 80.0966% | 4,390 |
| Equity capital to assets | 13.6468% | 1,088 |
| Core capital (leverage) ratio | 13.4593% | 1,008 |
| Tier 1 risk-based capital ratio | 23.1679% | 926 |
| Total risk-based capital ratio | 24.4332% | 917 |
| Memoranda: | ||
| Average total assets | $52,384,670 | 5,206 |
| Average earning assets | $47,200,330 | 5,211 |
| Average equity | $6,960,000 | 5,032 |
| Average total loans | $39,288,670 | 4,831 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1741% | 2,365 |
| Cost of funding earning assets | 0.4216% | 2,800 |
| Net interest margin | 3.7525% | 2,296 |
| Noninterest income to average assets | 0.2205% | 4,956 |
| Noninterest expense to average assets | 2.9203% | 2,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4791% | 4,674 |
| Return on assets (ROA) | 0.4791% | 4,699 |
| Pretax return on assets | 0.6845% | 4,493 |
| Return on Equity (ROE) | 3.6551% | 4,896 |
| Retained earnings to average equity (ytd only) | 3.6551% | 3,610 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0127% | 1,256 |
| Assets per employee ($millions) | 4.7766% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9790% | 694 |
| Loan loss allowance to noncurrent loans | 2,015.7895% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 4,984 |
| Noncurrent loans to loans | 0.0982% | 4,796 |
| Net loans and leases to total assets | 72.2094% | 2,045 |
| Net loans and leases to deposits | 89.5236% | 1,593 |
| Net loans and leases to core deposits | 91.6870% | 2,197 |
| Total domestic deposits to total assets | 80.6597% | 4,490 |
| Equity capital to assets | 13.1949% | 1,188 |
| Core capital (leverage) ratio | 13.2938% | 1,036 |
| Tier 1 risk-based capital ratio | 23.5007% | 915 |
| Total risk-based capital ratio | 24.7665% | 901 |
| Memoranda: | ||
| Average total assets | $52,596,500 | 5,257 |
| Average earning assets | $47,435,500 | 5,261 |
| Average equity | $6,894,500 | 5,084 |
| Average total loans | $39,261,000 | 4,877 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2242% | 2,408 |
| Cost of funding earning assets | 0.4628% | 2,420 |
| Net interest margin | 3.7614% | 2,465 |
| Noninterest income to average assets | 0.2442% | 4,963 |
| Noninterest expense to average assets | 3.0989% | 2,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4685% | 4,746 |
| Return on assets (ROA) | 0.4685% | 4,821 |
| Pretax return on assets | 0.6630% | 4,611 |
| Return on Equity (ROE) | 3.4732% | 5,017 |
| Retained earnings to average equity (ytd only) | 3.4732% | 3,451 |
| Net charge-offs to loans | -0.0027% | 4,738 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3747% | 1,163 |
| Assets per employee ($millions) | 4.7864% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9239% | 772 |
| Loan loss allowance to noncurrent loans | 1,964.1026% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 5,036 |
| Noncurrent loans to loans | 0.0980% | 4,846 |
| Net loans and leases to total assets | 74.1671% | 1,826 |
| Net loans and leases to deposits | 92.4193% | 1,390 |
| Net loans and leases to core deposits | 94.6597% | 2,042 |
| Total domestic deposits to total assets | 80.2507% | 4,518 |
| Equity capital to assets | 13.0218% | 1,245 |
| Core capital (leverage) ratio | 13.2853% | 1,035 |
| Tier 1 risk-based capital ratio | 22.4825% | 1,017 |
| Total risk-based capital ratio | 23.7470% | 1,001 |
| Memoranda: | ||
| Average total assets | $50,373,400 | 5,338 |
| Average earning assets | $47,109,600 | 5,309 |
| Average equity | $6,794,800 | 5,137 |
| Average total loans | $37,284,600 | 4,971 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2045% | 2,497 |
| Cost of funding earning assets | 0.4687% | 2,376 |
| Net interest margin | 3.7357% | 2,573 |
| Noninterest income to average assets | 0.2516% | 4,960 |
| Noninterest expense to average assets | 3.0331% | 2,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5194% | 4,624 |
| Return on assets (ROA) | 0.5194% | 4,725 |
| Pretax return on assets | 0.7389% | 4,503 |
| Return on Equity (ROE) | 3.8153% | 4,977 |
| Retained earnings to average equity (ytd only) | 3.8153% | 3,596 |
| Net charge-offs to loans | -0.0036% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4116% | 1,389 |
| Assets per employee ($millions) | 4.5220% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0198% | 703 |
| Loan loss allowance to noncurrent loans | 2,946.1538% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 5,229 |
| Noncurrent loans to loans | 0.0686% | 5,071 |
| Net loans and leases to total assets | 74.7035% | 1,754 |
| Net loans and leases to deposits | 93.4865% | 1,323 |
| Net loans and leases to core deposits | 95.8991% | 2,003 |
| Total domestic deposits to total assets | 79.9083% | 4,529 |
| Equity capital to assets | 13.8937% | 1,080 |
| Core capital (leverage) ratio | 13.6879% | 946 |
| Tier 1 risk-based capital ratio | 24.3281% | 873 |
| Total risk-based capital ratio | 25.5937% | 860 |
| Memoranda: | ||
| Average total assets | $49,804,250 | 5,404 |
| Average earning assets | $46,933,000 | 5,364 |
| Average equity | $6,779,500 | 5,185 |
| Average total loans | $36,652,000 | 5,035 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 2,669 |
| Cost of funding earning assets | 0.4660% | 2,418 |
| Net interest margin | 3.6853% | 2,749 |
| Noninterest income to average assets | 0.2449% | 5,017 |
| Noninterest expense to average assets | 3.1029% | 2,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4496% | 4,872 |
| Return on assets (ROA) | 0.4496% | 4,961 |
| Pretax return on assets | 0.6342% | 4,804 |
| Return on Equity (ROE) | 3.3256% | 5,154 |
| Retained earnings to average equity (ytd only) | 3.3256% | 3,784 |
| Net charge-offs to loans | -0.0055% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0290% | 1,141 |
| Assets per employee ($millions) | 4.4786% | 3,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0850% | 632 |
| Loan loss allowance to noncurrent loans | 2,946.1538% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 5,332 |
| Noncurrent loans to loans | 0.0708% | 5,164 |
| Net loans and leases to total assets | 73.0174% | 2,012 |
| Net loans and leases to deposits | 91.6858% | 1,557 |
| Net loans and leases to core deposits | 94.0838% | 2,159 |
| Total domestic deposits to total assets | 79.6387% | 4,640 |
| Equity capital to assets | 13.8516% | 1,074 |
| Core capital (leverage) ratio | 13.6401% | 937 |
| Tier 1 risk-based capital ratio | 24.5899% | 843 |
| Total risk-based capital ratio | 25.8556% | 832 |
| Memoranda: | ||
| Average total assets | $49,825,000 | 5,464 |
| Average earning assets | $47,214,330 | 5,417 |
| Average equity | $6,735,670 | 5,237 |
| Average total loans | $36,227,670 | 5,097 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1185% | 2,782 |
| Cost of funding earning assets | 0.4717% | 2,358 |
| Net interest margin | 3.6469% | 2,897 |
| Noninterest income to average assets | 0.2315% | 5,086 |
| Noninterest expense to average assets | 3.1135% | 2,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4071% | 4,971 |
| Return on assets (ROA) | 0.4071% | 5,050 |
| Pretax return on assets | 0.5748% | 4,889 |
| Return on Equity (ROE) | 3.0486% | 5,213 |
| Retained earnings to average equity (ytd only) | 3.0486% | 3,987 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4156% | 1,122 |
| Assets per employee ($millions) | 4.5115% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1073% | 677 |
| Loan loss allowance to noncurrent loans | 2,833.3333% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 5,371 |
| Noncurrent loans to loans | 0.0744% | 5,180 |
| Net loans and leases to total assets | 71.6102% | 2,098 |
| Net loans and leases to deposits | 89.6835% | 1,612 |
| Net loans and leases to core deposits | 92.0054% | 2,182 |
| Total domestic deposits to total assets | 79.8477% | 4,777 |
| Equity capital to assets | 13.5612% | 1,152 |
| Core capital (leverage) ratio | 13.3648% | 1,035 |
| Tier 1 risk-based capital ratio | 23.9638% | 917 |
| Total risk-based capital ratio | 25.2298% | 905 |
| Memoranda: | ||
| Average total assets | $50,105,000 | 5,510 |
| Average earning assets | $47,492,500 | 5,461 |
| Average equity | $6,691,500 | 5,286 |
| Average total loans | $35,972,500 | 5,147 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0539% | 3,095 |
| Cost of funding earning assets | 0.4853% | 2,308 |
| Net interest margin | 3.5686% | 3,246 |
| Noninterest income to average assets | 0.2636% | 4,995 |
| Noninterest expense to average assets | 3.0288% | 2,447 |
| Loan and lease loss provision to assets | 0.0278% | 3,823 |
| Net operating income to assets | 0.4163% | 5,001 |
| Return on assets (ROA) | 0.4163% | 5,084 |
| Pretax return on assets | 0.5887% | 4,877 |
| Return on Equity (ROE) | 3.1988% | 5,240 |
| Retained earnings to average equity (ytd only) | 3.1988% | 3,782 |
| Net charge-offs to loans | 0.0112% | 4,080 |
| Credit loss provision to net charge-offs | 350.0000% | 853 |
| Earnings coverage of net charge-offs (x) | 77.7500% | 719 |
| Efficiency ratio | 83.0886% | 1,265 |
| Assets per employee ($millions) | 4.5985% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1491% | 639 |
| Loan loss allowance to noncurrent loans | 2,735.7143% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 5,422 |
| Noncurrent loans to loans | 0.0786% | 5,192 |
| Net loans and leases to total assets | 68.9481% | 2,555 |
| Net loans and leases to deposits | 85.9205% | 2,145 |
| Net loans and leases to core deposits | 88.0907% | 2,593 |
| Total domestic deposits to total assets | 80.2463% | 4,689 |
| Equity capital to assets | 13.1526% | 1,280 |
| Core capital (leverage) ratio | 13.1010% | 1,109 |
| Tier 1 risk-based capital ratio | 24.3571% | 880 |
| Total risk-based capital ratio | 25.6246% | 861 |
| Memoranda: | ||
| Average total assets | $50,449,200 | 5,530 |
| Average earning assets | $47,806,000 | 5,484 |
| Average equity | $6,565,000 | 5,335 |
| Average total loans | $35,560,400 | 5,173 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0307% | 3,210 |
| Cost of funding earning assets | 0.4885% | 2,327 |
| Net interest margin | 3.5422% | 3,373 |
| Noninterest income to average assets | 0.2724% | 4,989 |
| Noninterest expense to average assets | 2.9276% | 2,752 |
| Loan and lease loss provision to assets | 0.0370% | 3,472 |
| Net operating income to assets | 0.4681% | 4,904 |
| Return on assets (ROA) | 0.4681% | 5,003 |
| Pretax return on assets | 0.6638% | 4,793 |
| Return on Equity (ROE) | 3.6068% | 5,183 |
| Retained earnings to average equity (ytd only) | 3.6068% | 3,901 |
| Net charge-offs to loans | 0.0188% | 3,564 |
| Credit loss provision to net charge-offs | 280.0000% | 1,029 |
| Earnings coverage of net charge-offs (x) | 52.9715% | 1,005 |
| Efficiency ratio | 80.6851% | 1,558 |
| Assets per employee ($millions) | 4.5943% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1673% | 702 |
| Loan loss allowance to noncurrent loans | 2,546.6667% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 5,518 |
| Noncurrent loans to loans | 0.0851% | 5,289 |
| Net loans and leases to total assets | 68.2411% | 2,643 |
| Net loans and leases to deposits | 85.2183% | 2,247 |
| Net loans and leases to core deposits | 87.3774% | 2,717 |
| Total domestic deposits to total assets | 80.0780% | 4,728 |
| Equity capital to assets | 13.0855% | 1,408 |
| Core capital (leverage) ratio | 12.8821% | 1,240 |
| Tier 1 risk-based capital ratio | 25.2211% | 834 |
| Total risk-based capital ratio | 26.4905% | 814 |
| Memoranda: | ||
| Average total assets | $50,415,750 | 5,603 |
| Average earning assets | $47,765,500 | 5,556 |
| Average equity | $6,543,000 | 5,405 |
| Average total loans | $35,540,000 | 5,231 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0398% | 3,128 |
| Cost of funding earning assets | 0.4903% | 2,348 |
| Net interest margin | 3.5495% | 3,293 |
| Noninterest income to average assets | 0.2660% | 5,050 |
| Noninterest expense to average assets | 2.9459% | 2,733 |
| Loan and lease loss provision to assets | 0.0476% | 3,167 |
| Net operating income to assets | 0.4486% | 4,971 |
| Return on assets (ROA) | 0.4486% | 5,076 |
| Pretax return on assets | 0.6352% | 4,879 |
| Return on Equity (ROE) | 3.4664% | 5,246 |
| Retained earnings to average equity (ytd only) | 3.4664% | 3,835 |
| Net charge-offs to loans | 0.0337% | 2,997 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 28.6667% | 1,408 |
| Efficiency ratio | 81.1816% | 1,596 |
| Assets per employee ($millions) | 4.6924% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1373% | 806 |
| Loan loss allowance to noncurrent loans | 2,454.8387% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 5,610 |
| Noncurrent loans to loans | 0.0871% | 5,395 |
| Net loans and leases to total assets | 67.5081% | 2,717 |
| Net loans and leases to deposits | 83.8205% | 2,332 |
| Net loans and leases to core deposits | 85.8865% | 2,782 |
| Total domestic deposits to total assets | 80.5390% | 4,737 |
| Equity capital to assets | 12.6821% | 1,563 |
| Core capital (leverage) ratio | 12.7962% | 1,255 |
| Tier 1 risk-based capital ratio | 24.4376% | 914 |
| Total risk-based capital ratio | 25.7060% | 895 |
| Memoranda: | ||
| Average total assets | $50,375,330 | 5,661 |
| Average earning assets | $47,725,670 | 5,613 |
| Average equity | $6,519,670 | 5,448 |
| Average total loans | $35,636,330 | 5,272 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1249% | 2,728 |
| Cost of funding earning assets | 0.5093% | 2,211 |
| Net interest margin | 3.6157% | 2,942 |
| Noninterest income to average assets | 0.2573% | 5,117 |
| Noninterest expense to average assets | 3.0228% | 2,505 |
| Loan and lease loss provision to assets | 0.0482% | 2,966 |
| Net operating income to assets | 0.4341% | 4,931 |
| Return on assets (ROA) | 0.4341% | 5,052 |
| Pretax return on assets | 0.6110% | 4,886 |
| Return on Equity (ROE) | 3.3198% | 5,241 |
| Retained earnings to average equity (ytd only) | 3.3198% | 3,989 |
| Net charge-offs to loans | -0.0112% | 4,769 |
| Credit loss provision to net charge-offs | -600.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0961% | 1,604 |
| Assets per employee ($millions) | 4.5689% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1326% | 877 |
| Loan loss allowance to noncurrent loans | 1,772.0930% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 5,599 |
| Noncurrent loans to loans | 0.1203% | 5,341 |
| Net loans and leases to total assets | 69.5790% | 2,195 |
| Net loans and leases to deposits | 87.1936% | 1,708 |
| Net loans and leases to core deposits | 89.4233% | 2,185 |
| Total domestic deposits to total assets | 79.7982% | 5,094 |
| Equity capital to assets | 13.0208% | 1,388 |
| Core capital (leverage) ratio | 12.8756% | 1,203 |
| Tier 1 risk-based capital ratio | 24.8175% | 905 |
| Total risk-based capital ratio | 26.0866% | 888 |
| Memoranda: | ||
| Average total assets | $49,755,000 | 5,727 |
| Average earning assets | $47,128,000 | 5,678 |
| Average equity | $6,506,500 | 5,497 |
| Average total loans | $35,651,500 | 5,313 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9599% | 3,874 |
| Cost of funding earning assets | 0.5446% | 2,248 |
| Net interest margin | 3.4153% | 4,133 |
| Noninterest income to average assets | 0.2629% | 5,249 |
| Noninterest expense to average assets | 2.9075% | 3,129 |
| Loan and lease loss provision to assets | 0.0467% | 3,637 |
| Net operating income to assets | 0.3875% | 5,258 |
| Return on assets (ROA) | 0.3875% | 5,328 |
| Pretax return on assets | 0.5453% | 5,116 |
| Return on Equity (ROE) | 3.1370% | 5,426 |
| Retained earnings to average equity (ytd only) | 3.1370% | 4,004 |
| Net charge-offs to loans | 0.0593% | 3,656 |
| Credit loss provision to net charge-offs | 114.2857% | 2,084 |
| Earnings coverage of net charge-offs (x) | 14.4762% | 2,161 |
| Efficiency ratio | 83.0829% | 1,508 |
| Assets per employee ($millions) | 4.4775% | 3,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1225% | 916 |
| Loan loss allowance to noncurrent loans | 12,583.3333% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 6,017 |
| Noncurrent loans to loans | 0.0169% | 5,834 |
| Net loans and leases to total assets | 70.6915% | 2,129 |
| Net loans and leases to deposits | 89.1190% | 1,603 |
| Net loans and leases to core deposits | 91.4600% | 2,149 |
| Total domestic deposits to total assets | 79.3227% | 5,182 |
| Equity capital to assets | 13.1345% | 1,302 |
| Core capital (leverage) ratio | 13.0716% | 1,109 |
| Tier 1 risk-based capital ratio | 25.1170% | 830 |
| Total risk-based capital ratio | 26.3889% | 812 |
| Memoranda: | ||
| Average total assets | $51,350,200 | 5,760 |
| Average earning assets | $48,663,000 | 5,708 |
| Average equity | $6,343,600 | 5,558 |
| Average total loans | $35,407,200 | 5,349 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9019% | 4,167 |
| Cost of funding earning assets | 0.5531% | 2,257 |
| Net interest margin | 3.3487% | 4,435 |
| Noninterest income to average assets | 0.2596% | 5,358 |
| Noninterest expense to average assets | 2.7887% | 3,504 |
| Loan and lease loss provision to assets | 0.0463% | 3,463 |
| Net operating income to assets | 0.4241% | 5,159 |
| Return on assets (ROA) | 0.4241% | 5,240 |
| Pretax return on assets | 0.5988% | 5,030 |
| Return on Equity (ROE) | 3.4851% | 5,367 |
| Retained earnings to average equity (ytd only) | 3.4851% | 4,151 |
| Net charge-offs to loans | 0.0641% | 3,290 |
| Credit loss provision to net charge-offs | 105.8824% | 2,098 |
| Earnings coverage of net charge-offs (x) | 14.7622% | 2,114 |
| Efficiency ratio | 81.2126% | 1,724 |
| Assets per employee ($millions) | 4.5185% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1437% | 1,031 |
| Loan loss allowance to noncurrent loans | 18,800.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 6,163 |
| Noncurrent loans to loans | 0.0114% | 5,990 |
| Net loans and leases to total assets | 69.0629% | 2,356 |
| Net loans and leases to deposits | 86.8906% | 1,802 |
| Net loans and leases to core deposits | 89.1471% | 2,307 |
| Total domestic deposits to total assets | 79.4825% | 5,229 |
| Equity capital to assets | 12.8984% | 1,478 |
| Core capital (leverage) ratio | 12.8863% | 1,230 |
| Tier 1 risk-based capital ratio | 25.2146% | 862 |
| Total risk-based capital ratio | 26.4861% | 849 |
| Memoranda: | ||
| Average total assets | $51,874,750 | 5,809 |
| Average earning assets | $49,172,000 | 5,764 |
| Average equity | $6,312,250 | 5,621 |
| Average total loans | $35,366,000 | 5,403 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8610% | 4,297 |
| Cost of funding earning assets | 0.5493% | 2,357 |
| Net interest margin | 3.3117% | 4,540 |
| Noninterest income to average assets | 0.2548% | 5,370 |
| Noninterest expense to average assets | 2.7263% | 3,769 |
| Loan and lease loss provision to assets | 0.0456% | 3,403 |
| Net operating income to assets | 0.4411% | 5,052 |
| Return on assets (ROA) | 0.4411% | 5,128 |
| Pretax return on assets | 0.6236% | 4,883 |
| Return on Equity (ROE) | 3.6947% | 5,271 |
| Retained earnings to average equity (ytd only) | 3.6947% | 3,839 |
| Net charge-offs to loans | 0.1072% | 2,608 |
| Credit loss provision to net charge-offs | 63.1579% | 2,592 |
| Earnings coverage of net charge-offs (x) | 9.2632% | 2,381 |
| Efficiency ratio | 80.2912% | 1,981 |
| Assets per employee ($millions) | 4.6772% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1234% | 1,135 |
| Loan loss allowance to noncurrent loans | 14,900.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 5,969 |
| Noncurrent loans to loans | 0.0143% | 6,040 |
| Net loans and leases to total assets | 66.7477% | 2,631 |
| Net loans and leases to deposits | 83.2711% | 2,118 |
| Net loans and leases to core deposits | 85.3405% | 2,576 |
| Total domestic deposits to total assets | 80.1570% | 5,202 |
| Equity capital to assets | 12.3540% | 1,739 |
| Core capital (leverage) ratio | 12.3523% | 1,472 |
| Tier 1 risk-based capital ratio | 24.6442% | 911 |
| Total risk-based capital ratio | 25.9162% | 894 |
| Memoranda: | ||
| Average total assets | $52,598,330 | 5,844 |
| Average earning assets | $49,883,670 | 5,793 |
| Average equity | $6,279,330 | 5,660 |
| Average total loans | $35,461,670 | 5,440 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8318% | 4,350 |
| Cost of funding earning assets | 0.5474% | 2,443 |
| Net interest margin | 3.2844% | 4,606 |
| Noninterest income to average assets | 0.2182% | 5,608 |
| Noninterest expense to average assets | 2.6931% | 3,949 |
| Loan and lease loss provision to assets | 0.0451% | 3,201 |
| Net operating income to assets | 0.4213% | 5,038 |
| Return on assets (ROA) | 0.4213% | 5,108 |
| Pretax return on assets | 0.5943% | 4,852 |
| Return on Equity (ROE) | 3.5892% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.5892% | 3,977 |
| Net charge-offs to loans | 0.2244% | 1,425 |
| Credit loss provision to net charge-offs | 30.0000% | 2,395 |
| Earnings coverage of net charge-offs (x) | 4.2500% | 2,554 |
| Efficiency ratio | 80.8126% | 2,079 |
| Assets per employee ($millions) | 4.9197% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0977% | 1,328 |
| Loan loss allowance to noncurrent loans | 416.9492% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 5,011 |
| Noncurrent loans to loans | 0.5031% | 4,657 |
| Net loans and leases to total assets | 63.6473% | 2,958 |
| Net loans and leases to deposits | 78.3744% | 2,496 |
| Net loans and leases to core deposits | 80.8507% | 2,869 |
| Total domestic deposits to total assets | 81.2092% | 5,178 |
| Equity capital to assets | 11.5897% | 2,178 |
| Core capital (leverage) ratio | 11.6273% | 1,879 |
| Tier 1 risk-based capital ratio | 23.6210% | 1,057 |
| Total risk-based capital ratio | 24.8893% | 1,036 |
| Memoranda: | ||
| Average total assets | $53,173,000 | 5,881 |
| Average earning assets | $50,420,000 | 5,824 |
| Average equity | $6,241,000 | 5,701 |
| Average total loans | $35,649,500 | 5,478 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9888% | 4,124 |
| Cost of funding earning assets | 0.6438% | 2,256 |
| Net interest margin | 3.3451% | 4,498 |
| Noninterest income to average assets | 0.3157% | 5,082 |
| Noninterest expense to average assets | 2.8763% | 3,442 |
| Loan and lease loss provision to assets | 0.0941% | 3,240 |
| Net operating income to assets | 0.3666% | 5,274 |
| Return on assets (ROA) | 0.3666% | 5,388 |
| Pretax return on assets | 0.5137% | 5,167 |
| Return on Equity (ROE) | 3.0447% | 5,488 |
| Retained earnings to average equity (ytd only) | 3.0447% | 4,062 |
| Net charge-offs to loans | 0.2155% | 2,735 |
| Credit loss provision to net charge-offs | 62.3377% | 3,500 |
| Earnings coverage of net charge-offs (x) | 4.0260% | 3,698 |
| Efficiency ratio | 82.5549% | 1,807 |
| Assets per employee ($millions) | 4.7481% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0821% | 1,367 |
| Loan loss allowance to noncurrent loans | 467.0807% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 5,154 |
| Noncurrent loans to loans | 0.4458% | 4,886 |
| Net loans and leases to total assets | 67.7114% | 2,405 |
| Net loans and leases to deposits | 84.1643% | 1,915 |
| Net loans and leases to core deposits | 86.2161% | 2,421 |
| Total domestic deposits to total assets | 80.4515% | 5,331 |
| Equity capital to assets | 11.8899% | 1,874 |
| Core capital (leverage) ratio | 11.9388% | 1,651 |
| Tier 1 risk-based capital ratio | 23.1666% | 1,068 |
| Total risk-based capital ratio | 24.4328% | 1,047 |
| Memoranda: | ||
| Average total assets | $51,002,400 | 5,994 |
| Average earning assets | $48,310,000 | 5,933 |
| Average equity | $6,141,800 | 5,779 |
| Average total loans | $35,726,400 | 5,506 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0440% | 3,957 |
| Cost of funding earning assets | 0.6634% | 2,231 |
| Net interest margin | 3.3807% | 4,353 |
| Noninterest income to average assets | 0.3682% | 4,759 |
| Noninterest expense to average assets | 2.8351% | 3,542 |
| Loan and lease loss provision to assets | 0.0947% | 3,182 |
| Net operating income to assets | 0.4550% | 5,009 |
| Return on assets (ROA) | 0.4550% | 5,146 |
| Pretax return on assets | 0.6417% | 4,881 |
| Return on Equity (ROE) | 3.7660% | 5,323 |
| Retained earnings to average equity (ytd only) | 3.7660% | 4,007 |
| Net charge-offs to loans | 0.2732% | 2,186 |
| Credit loss provision to net charge-offs | 49.3151% | 3,525 |
| Earnings coverage of net charge-offs (x) | 3.8356% | 3,601 |
| Efficiency ratio | 79.3814% | 2,209 |
| Assets per employee ($millions) | 4.6480% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0683% | 1,574 |
| Loan loss allowance to noncurrent loans | 442.8571% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 4,977 |
| Noncurrent loans to loans | 0.4670% | 5,024 |
| Net loans and leases to total assets | 68.8996% | 2,157 |
| Net loans and leases to deposits | 86.2857% | 1,583 |
| Net loans and leases to core deposits | 88.4523% | 2,136 |
| Total domestic deposits to total assets | 79.8506% | 5,547 |
| Equity capital to assets | 12.1303% | 1,841 |
| Core capital (leverage) ratio | 12.1681% | 1,579 |
| Tier 1 risk-based capital ratio | 23.3109% | 1,092 |
| Total risk-based capital ratio | 24.5805% | 1,072 |
| Memoranda: | ||
| Average total assets | $50,695,750 | 6,069 |
| Average earning assets | $48,036,500 | 6,005 |
| Average equity | $6,124,750 | 5,861 |
| Average total loans | $35,628,750 | 5,560 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 3,873 |
| Cost of funding earning assets | 0.6887% | 2,153 |
| Net interest margin | 3.3723% | 4,298 |
| Noninterest income to average assets | 0.2690% | 5,528 |
| Noninterest expense to average assets | 2.8446% | 3,535 |
| Loan and lease loss provision to assets | 0.0950% | 3,205 |
| Net operating income to assets | 0.3759% | 5,305 |
| Return on assets (ROA) | 0.3759% | 5,474 |
| Pretax return on assets | 0.5262% | 5,283 |
| Return on Equity (ROE) | 3.1153% | 5,579 |
| Retained earnings to average equity (ytd only) | 3.1153% | 4,337 |
| Net charge-offs to loans | 0.1858% | 2,638 |
| Credit loss provision to net charge-offs | 72.7273% | 2,767 |
| Earnings coverage of net charge-offs (x) | 4.7576% | 3,045 |
| Efficiency ratio | 82.0776% | 1,880 |
| Assets per employee ($millions) | 4.5519% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1864% | 1,453 |
| Loan loss allowance to noncurrent loans | 276.3441% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6571% | 4,585 |
| Noncurrent loans to loans | 0.7912% | 4,331 |
| Net loans and leases to total assets | 68.8862% | 2,079 |
| Net loans and leases to deposits | 86.7112% | 1,487 |
| Net loans and leases to core deposits | 88.9473% | 2,008 |
| Total domestic deposits to total assets | 79.4432% | 5,728 |
| Equity capital to assets | 12.2386% | 1,751 |
| Core capital (leverage) ratio | 12.2719% | 1,466 |
| Tier 1 risk-based capital ratio | 24.4813% | 938 |
| Total risk-based capital ratio | 25.7557% | 918 |
| Memoranda: | ||
| Average total assets | $50,551,670 | 6,115 |
| Average earning assets | $47,919,670 | 6,044 |
| Average equity | $6,099,000 | 5,904 |
| Average total loans | $35,514,670 | 5,598 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0658% | 3,865 |
| Cost of funding earning assets | 0.7136% | 2,105 |
| Net interest margin | 3.3522% | 4,306 |
| Noninterest income to average assets | 0.2678% | 5,539 |
| Noninterest expense to average assets | 2.7563% | 3,846 |
| Loan and lease loss provision to assets | 0.0945% | 3,087 |
| Net operating income to assets | 0.4253% | 5,026 |
| Return on assets (ROA) | 0.4253% | 5,178 |
| Pretax return on assets | 0.5985% | 4,950 |
| Return on Equity (ROE) | 3.5500% | 5,313 |
| Retained earnings to average equity (ytd only) | 3.5500% | 4,111 |
| Net charge-offs to loans | -0.0112% | 5,488 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9087% | 2,344 |
| Assets per employee ($millions) | 4.6424% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2561% | 1,475 |
| Loan loss allowance to noncurrent loans | 349.3392% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 5,038 |
| Noncurrent loans to loans | 0.6458% | 4,830 |
| Net loans and leases to total assets | 67.2776% | 2,144 |
| Net loans and leases to deposits | 84.3402% | 1,556 |
| Net loans and leases to core deposits | 86.4628% | 2,063 |
| Total domestic deposits to total assets | 79.7693% | 5,807 |
| Equity capital to assets | 11.9786% | 2,060 |
| Core capital (leverage) ratio | 11.9579% | 1,595 |
| Tier 1 risk-based capital ratio | 23.7078% | 1,058 |
| Total risk-based capital ratio | 24.9777% | 1,035 |
| Memoranda: | ||
| Average total assets | $50,792,000 | 6,164 |
| Average earning assets | $48,207,500 | 6,092 |
| Average equity | $6,084,500 | 5,960 |
| Average total loans | $35,640,500 | 5,635 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5914% | 3,037 |
| Cost of funding earning assets | 0.8311% | 2,415 |
| Net interest margin | 3.7603% | 3,391 |
| Noninterest income to average assets | 0.3722% | 4,815 |
| Noninterest expense to average assets | 2.8685% | 3,769 |
| Loan and lease loss provision to assets | 0.0971% | 4,436 |
| Net operating income to assets | 0.6777% | 3,844 |
| Return on assets (ROA) | 0.6777% | 4,113 |
| Pretax return on assets | 0.9669% | 3,671 |
| Return on Equity (ROE) | 5.6710% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.6710% | 2,272 |
| Net charge-offs to loans | 0.0138% | 5,724 |
| Credit loss provision to net charge-offs | 960.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 105.2000% | 369 |
| Efficiency ratio | 72.9424% | 3,251 |
| Assets per employee ($millions) | 4.5925% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1588% | 1,630 |
| Loan loss allowance to noncurrent loans | 19,500.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 6,320 |
| Noncurrent loans to loans | 0.0111% | 6,530 |
| Net loans and leases to total assets | 69.9790% | 1,844 |
| Net loans and leases to deposits | 87.9753% | 1,277 |
| Net loans and leases to core deposits | 92.3414% | 1,608 |
| Total domestic deposits to total assets | 79.5439% | 5,775 |
| Equity capital to assets | 11.9799% | 2,056 |
| Core capital (leverage) ratio | 11.9799% | 1,575 |
| Tier 1 risk-based capital ratio | 23.1735% | 1,086 |
| Total risk-based capital ratio | 24.4448% | 1,067 |
| Memoranda: | ||
| Average total assets | $49,434,200 | 6,228 |
| Average earning assets | $46,805,000 | 6,155 |
| Average equity | $5,907,200 | 6,044 |
| Average total loans | $36,332,600 | 5,669 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6620% | 2,956 |
| Cost of funding earning assets | 0.8482% | 2,555 |
| Net interest margin | 3.8139% | 3,276 |
| Noninterest income to average assets | 0.4041% | 4,606 |
| Noninterest expense to average assets | 2.7879% | 4,022 |
| Loan and lease loss provision to assets | 0.0976% | 4,351 |
| Net operating income to assets | 0.7865% | 3,522 |
| Return on assets (ROA) | 0.7865% | 3,763 |
| Pretax return on assets | 1.1282% | 3,241 |
| Return on Equity (ROE) | 6.5859% | 4,024 |
| Retained earnings to average equity (ytd only) | 6.5859% | 2,338 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4595% | 3,795 |
| Assets per employee ($millions) | 4.4839% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1390% | 1,835 |
| Loan loss allowance to noncurrent loans | 723.3645% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.3183% | 5,899 |
| Noncurrent loans to loans | 0.2957% | 5,902 |
| Net loans and leases to total assets | 71.7941% | 1,590 |
| Net loans and leases to deposits | 91.0098% | 1,050 |
| Net loans and leases to core deposits | 95.6821% | 1,433 |
| Total domestic deposits to total assets | 78.8861% | 5,898 |
| Equity capital to assets | 12.1830% | 2,127 |
| Core capital (leverage) ratio | 12.1769% | 1,544 |
| Tier 1 risk-based capital ratio | 23.1089% | 1,159 |
| Total risk-based capital ratio | 24.3786% | 1,133 |
| Memoranda: | ||
| Average total assets | $49,163,250 | 6,313 |
| Average earning assets | $46,530,750 | 6,236 |
| Average equity | $5,871,000 | 6,126 |
| Average total loans | $36,382,750 | 5,733 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6929% | 2,946 |
| Cost of funding earning assets | 0.8603% | 2,724 |
| Net interest margin | 3.8326% | 3,209 |
| Noninterest income to average assets | 0.4520% | 4,272 |
| Noninterest expense to average assets | 2.8100% | 3,980 |
| Loan and lease loss provision to assets | 0.0977% | 4,319 |
| Net operating income to assets | 0.8145% | 3,334 |
| Return on assets (ROA) | 0.8145% | 3,588 |
| Pretax return on assets | 1.1729% | 3,041 |
| Return on Equity (ROE) | 6.8670% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.8670% | 2,177 |
| Net charge-offs to loans | -0.0439% | 6,627 |
| Credit loss provision to net charge-offs | -300.0000% | 6,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8623% | 3,967 |
| Assets per employee ($millions) | 4.5956% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1188% | 1,950 |
| Loan loss allowance to noncurrent loans | 234.3465% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.7497% | 4,924 |
| Noncurrent loans to loans | 0.9041% | 4,690 |
| Net loans and leases to total assets | 70.4581% | 1,833 |
| Net loans and leases to deposits | 88.7389% | 1,287 |
| Net loans and leases to core deposits | 93.1482% | 1,672 |
| Total domestic deposits to total assets | 79.3994% | 5,881 |
| Equity capital to assets | 11.7028% | 2,414 |
| Core capital (leverage) ratio | 11.7028% | 1,784 |
| Tier 1 risk-based capital ratio | 22.5354% | 1,193 |
| Total risk-based capital ratio | 23.7925% | 1,177 |
| Memoranda: | ||
| Average total assets | $49,110,000 | 6,348 |
| Average earning assets | $46,496,000 | 6,278 |
| Average equity | $5,825,000 | 6,162 |
| Average total loans | $36,448,670 | 5,764 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8281% | 2,529 |
| Cost of funding earning assets | 0.8659% | 2,949 |
| Net interest margin | 3.9622% | 2,660 |
| Noninterest income to average assets | 0.5952% | 3,261 |
| Noninterest expense to average assets | 2.7444% | 4,266 |
| Loan and lease loss provision to assets | 0.0992% | 4,104 |
| Net operating income to assets | 1.0416% | 2,319 |
| Return on assets (ROA) | 1.0416% | 2,509 |
| Pretax return on assets | 1.4962% | 1,876 |
| Return on Equity (ROE) | 8.7205% | 2,940 |
| Retained earnings to average equity (ytd only) | 8.7205% | 1,691 |
| Net charge-offs to loans | -0.0658% | 6,649 |
| Credit loss provision to net charge-offs | -200.0000% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2381% | 5,059 |
| Assets per employee ($millions) | 4.5875% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1058% | 2,091 |
| Loan loss allowance to noncurrent loans | 384.2640% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 5,639 |
| Noncurrent loans to loans | 0.5480% | 5,562 |
| Net loans and leases to total assets | 69.7382% | 1,802 |
| Net loans and leases to deposits | 87.8460% | 1,186 |
| Net loans and leases to core deposits | 93.4441% | 1,511 |
| Total domestic deposits to total assets | 79.3869% | 5,999 |
| Equity capital to assets | 11.5768% | 2,367 |
| Core capital (leverage) ratio | 11.5768% | 1,851 |
| Tier 1 risk-based capital ratio | 21.2769% | 1,432 |
| Total risk-based capital ratio | 22.5261% | 1,405 |
| Memoranda: | ||
| Average total assets | $48,389,000 | 6,420 |
| Average earning assets | $45,732,000 | 6,337 |
| Average equity | $5,779,500 | 6,205 |
| Average total loans | $36,478,500 | 5,800 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2939% | 1,723 |
| Cost of funding earning assets | 1.0419% | 3,082 |
| Net interest margin | 4.2520% | 1,874 |
| Noninterest income to average assets | 0.5296% | 3,653 |
| Noninterest expense to average assets | 3.1191% | 3,135 |
| Loan and lease loss provision to assets | 0.1085% | 5,242 |
| Net operating income to assets | 0.7836% | 3,119 |
| Return on assets (ROA) | 0.7836% | 3,282 |
| Pretax return on assets | 1.1200% | 2,765 |
| Return on Equity (ROE) | 6.5106% | 3,636 |
| Retained earnings to average equity (ytd only) | 6.5106% | 1,731 |
| Net charge-offs to loans | -0.0160% | 6,931 |
| Credit loss provision to net charge-offs | -833.3333% | 6,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7424% | 3,626 |
| Assets per employee ($millions) | 4.2105% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9969% | 2,292 |
| Loan loss allowance to noncurrent loans | 947.4359% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.4340% | 5,877 |
| Noncurrent loans to loans | 0.2108% | 6,322 |
| Net loans and leases to total assets | 78.3094% | 676 |
| Net loans and leases to deposits | 95.4849% | 707 |
| Net loans and leases to core deposits | 100.5127% | 1,132 |
| Total domestic deposits to total assets | 82.0123% | 5,122 |
| Equity capital to assets | 12.3437% | 1,885 |
| Core capital (leverage) ratio | 12.3437% | 1,418 |
| Tier 1 risk-based capital ratio | 20.5234% | 1,520 |
| Total risk-based capital ratio | 21.7727% | 1,485 |
| Memoranda: | ||
| Average total assets | $46,071,600 | 6,480 |
| Average earning assets | $41,368,600 | 6,482 |
| Average equity | $5,544,800 | 6,280 |
| Average total loans | $37,587,400 | 5,807 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3801% | 1,573 |
| Cost of funding earning assets | 1.0616% | 3,238 |
| Net interest margin | 4.3185% | 1,647 |
| Noninterest income to average assets | 0.5274% | 3,675 |
| Noninterest expense to average assets | 2.9760% | 3,653 |
| Loan and lease loss provision to assets | 0.1101% | 5,057 |
| Net operating income to assets | 0.8867% | 2,789 |
| Return on assets (ROA) | 0.8867% | 2,949 |
| Pretax return on assets | 1.2721% | 2,392 |
| Return on Equity (ROE) | 7.4156% | 3,321 |
| Retained earnings to average equity (ytd only) | 7.4156% | 1,763 |
| Net charge-offs to loans | -0.0106% | 6,789 |
| Credit loss provision to net charge-offs | -1,266.6667% | 6,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2846% | 4,265 |
| Assets per employee ($millions) | 4.3129% | 3,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9292% | 2,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 6,310 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 77.6864% | 745 |
| Net loans and leases to deposits | 94.2368% | 814 |
| Net loans and leases to core deposits | 99.0486% | 1,330 |
| Total domestic deposits to total assets | 82.4375% | 4,905 |
| Equity capital to assets | 11.9346% | 2,303 |
| Core capital (leverage) ratio | 11.9346% | 1,739 |
| Tier 1 risk-based capital ratio | 20.4338% | 1,578 |
| Total risk-based capital ratio | 21.7005% | 1,548 |
| Memoranda: | ||
| Average total assets | $46,010,750 | 6,538 |
| Average earning assets | $40,816,000 | 6,552 |
| Average equity | $5,501,750 | 6,337 |
| Average total loans | $37,732,250 | 5,852 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5442% | 1,199 |
| Cost of funding earning assets | 1.1078% | 3,179 |
| Net interest margin | 4.4364% | 1,278 |
| Noninterest income to average assets | 0.5183% | 3,722 |
| Noninterest expense to average assets | 3.0175% | 3,567 |
| Loan and lease loss provision to assets | 0.1142% | 4,864 |
| Net operating income to assets | 0.8521% | 2,851 |
| Return on assets (ROA) | 0.8521% | 2,945 |
| Pretax return on assets | 1.2386% | 2,351 |
| Return on Equity (ROE) | 7.1214% | 3,391 |
| Retained earnings to average equity (ytd only) | 7.1214% | 1,820 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0452% | 4,324 |
| Assets per employee ($millions) | 4.2338% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9192% | 2,613 |
| Loan loss allowance to noncurrent loans | 509.7222% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.6528% | 5,600 |
| Noncurrent loans to loans | 0.3765% | 6,149 |
| Net loans and leases to total assets | 80.5441% | 487 |
| Net loans and leases to deposits | 97.9502% | 594 |
| Net loans and leases to core deposits | 103.0635% | 1,113 |
| Total domestic deposits to total assets | 82.2297% | 5,084 |
| Equity capital to assets | 11.9170% | 2,154 |
| Core capital (leverage) ratio | 11.9170% | 1,654 |
| Tier 1 risk-based capital ratio | 19.1406% | 1,804 |
| Total risk-based capital ratio | 20.3890% | 1,765 |
| Memoranda: | ||
| Average total assets | $45,533,670 | 6,610 |
| Average earning assets | $39,536,670 | 6,657 |
| Average equity | $5,448,330 | 6,387 |
| Average total loans | $37,782,670 | 5,899 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5125% | 1,262 |
| Cost of funding earning assets | 1.1208% | 3,369 |
| Net interest margin | 4.3916% | 1,305 |
| Noninterest income to average assets | 0.4798% | 4,047 |
| Noninterest expense to average assets | 3.0657% | 3,402 |
| Loan and lease loss provision to assets | 0.1244% | 4,444 |
| Net operating income to assets | 0.7820% | 3,112 |
| Return on assets (ROA) | 0.7820% | 3,184 |
| Pretax return on assets | 1.1196% | 2,682 |
| Return on Equity (ROE) | 6.5215% | 3,621 |
| Retained earnings to average equity (ytd only) | 6.5215% | 2,363 |
| Net charge-offs to loans | -0.0107% | 6,382 |
| Credit loss provision to net charge-offs | -1,400.0000% | 6,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1340% | 4,027 |
| Assets per employee ($millions) | 4.1533% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8989% | 2,693 |
| Loan loss allowance to noncurrent loans | 1,268.4211% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.3437% | 6,342 |
| Noncurrent loans to loans | 0.1497% | 6,678 |
| Net loans and leases to total assets | 81.7581% | 362 |
| Net loans and leases to deposits | 99.6638% | 486 |
| Net loans and leases to core deposits | 104.9862% | 1,004 |
| Total domestic deposits to total assets | 82.0339% | 5,304 |
| Equity capital to assets | 11.9161% | 1,971 |
| Core capital (leverage) ratio | 11.9161% | 1,607 |
| Tier 1 risk-based capital ratio | 19.8129% | 1,625 |
| Total risk-based capital ratio | 21.0431% | 1,605 |
| Memoranda: | ||
| Average total assets | $45,014,500 | 6,667 |
| Average earning assets | $39,256,500 | 6,712 |
| Average equity | $5,397,500 | 6,419 |
| Average total loans | $37,551,500 | 5,961 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5299% | 2,162 |
| Cost of funding earning assets | 1.5199% | 2,532 |
| Net interest margin | 4.0100% | 2,979 |
| Noninterest income to average assets | 0.6285% | 3,295 |
| Noninterest expense to average assets | 3.0895% | 3,505 |
| Loan and lease loss provision to assets | 0.1588% | 5,620 |
| Net operating income to assets | 0.6572% | 3,403 |
| Return on assets (ROA) | 0.6572% | 3,548 |
| Pretax return on assets | 0.9350% | 3,146 |
| Return on Equity (ROE) | 5.6970% | 3,735 |
| Retained earnings to average equity (ytd only) | 5.6970% | 1,992 |
| Net charge-offs to loans | 0.0271% | 6,535 |
| Credit loss provision to net charge-offs | 720.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 49.6000% | 471 |
| Efficiency ratio | 73.8535% | 3,424 |
| Assets per employee ($millions) | 4.0312% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9148% | 2,520 |
| Loan loss allowance to noncurrent loans | 576.4228% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 6,022 |
| Noncurrent loans to loans | 0.3322% | 6,389 |
| Net loans and leases to total assets | 81.9047% | 459 |
| Net loans and leases to deposits | 100.4619% | 548 |
| Net loans and leases to core deposits | 106.0347% | 1,187 |
| Total domestic deposits to total assets | 81.5281% | 5,349 |
| Equity capital to assets | 12.0673% | 1,876 |
| Core capital (leverage) ratio | 12.0812% | 1,492 |
| Tier 1 risk-based capital ratio | 20.2204% | 1,445 |
| Total risk-based capital ratio | 21.4658% | 1,422 |
| Memoranda: | ||
| Average total assets | $45,347,000 | 6,686 |
| Average earning assets | $40,199,600 | 6,705 |
| Average equity | $5,230,800 | 6,582 |
| Average total loans | $36,892,400 | 6,072 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4892% | 2,471 |
| Cost of funding earning assets | 1.5467% | 2,695 |
| Net interest margin | 3.9425% | 3,348 |
| Noninterest income to average assets | 0.6404% | 3,184 |
| Noninterest expense to average assets | 2.8743% | 4,185 |
| Loan and lease loss provision to assets | 0.1579% | 5,467 |
| Net operating income to assets | 0.8187% | 2,922 |
| Return on assets (ROA) | 0.8187% | 3,066 |
| Pretax return on assets | 1.1111% | 2,791 |
| Return on Equity (ROE) | 7.1782% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.1782% | 1,766 |
| Net charge-offs to loans | 0.0109% | 6,514 |
| Credit loss provision to net charge-offs | 1,800.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 144.6625% | 219 |
| Efficiency ratio | 69.3719% | 4,193 |
| Assets per employee ($millions) | 4.3077% | 3,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7598% | 2,937 |
| Loan loss allowance to noncurrent loans | 22,033.3333% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 6,660 |
| Noncurrent loans to loans | 0.0080% | 7,255 |
| Net loans and leases to total assets | 77.8749% | 1,059 |
| Net loans and leases to deposits | 99.2229% | 704 |
| Net loans and leases to core deposits | 104.5650% | 1,436 |
| Total domestic deposits to total assets | 78.4848% | 6,147 |
| Equity capital to assets | 11.2588% | 2,734 |
| Core capital (leverage) ratio | 11.2682% | 2,090 |
| Tier 1 risk-based capital ratio | 19.1042% | 1,728 |
| Total risk-based capital ratio | 20.3313% | 1,696 |
| Memoranda: | ||
| Average total assets | $45,598,000 | 6,757 |
| Average earning assets | $40,514,500 | 6,778 |
| Average equity | $5,200,750 | 6,672 |
| Average total loans | $36,858,500 | 6,155 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5315% | 2,401 |
| Cost of funding earning assets | 1.5718% | 2,822 |
| Net interest margin | 3.9596% | 3,206 |
| Noninterest income to average assets | 0.6755% | 2,843 |
| Noninterest expense to average assets | 2.9554% | 3,873 |
| Loan and lease loss provision to assets | 0.1600% | 5,289 |
| Net operating income to assets | 0.8533% | 2,715 |
| Return on assets (ROA) | 0.8533% | 2,866 |
| Pretax return on assets | 1.0755% | 2,862 |
| Return on Equity (ROE) | 7.4476% | 3,130 |
| Retained earnings to average equity (ytd only) | 7.4476% | 1,653 |
| Net charge-offs to loans | -0.0273% | 7,333 |
| Credit loss provision to net charge-offs | -720.0000% | 6,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5196% | 4,083 |
| Assets per employee ($millions) | 4.2537% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7853% | 2,768 |
| Loan loss allowance to noncurrent loans | 8,250.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 6,652 |
| Noncurrent loans to loans | 0.0216% | 7,268 |
| Net loans and leases to total assets | 77.5983% | 1,177 |
| Net loans and leases to deposits | 99.1534% | 790 |
| Net loans and leases to core deposits | 104.5796% | 1,579 |
| Total domestic deposits to total assets | 78.2608% | 6,209 |
| Equity capital to assets | 11.2137% | 2,680 |
| Core capital (leverage) ratio | 11.2213% | 2,086 |
| Tier 1 risk-based capital ratio | 19.0523% | 1,709 |
| Total risk-based capital ratio | 20.2859% | 1,673 |
| Memoranda: | ||
| Average total assets | $45,002,330 | 6,830 |
| Average earning assets | $39,953,330 | 6,843 |
| Average equity | $5,156,000 | 6,728 |
| Average total loans | $36,624,000 | 6,215 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6347% | 2,009 |
| Cost of funding earning assets | 1.5618% | 3,192 |
| Net interest margin | 4.0729% | 2,556 |
| Noninterest income to average assets | 0.6711% | 2,803 |
| Noninterest expense to average assets | 2.9927% | 3,708 |
| Loan and lease loss provision to assets | 0.1814% | 4,707 |
| Net operating income to assets | 0.9069% | 2,518 |
| Return on assets (ROA) | 0.9069% | 2,585 |
| Pretax return on assets | 1.1154% | 2,682 |
| Return on Equity (ROE) | 7.8270% | 2,969 |
| Retained earnings to average equity (ytd only) | 7.8270% | 1,781 |
| Net charge-offs to loans | -0.0439% | 7,309 |
| Credit loss provision to net charge-offs | -500.0000% | 6,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7674% | 4,355 |
| Assets per employee ($millions) | 4.0109% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7624% | 2,855 |
| Loan loss allowance to noncurrent loans | 4,585.7143% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 6,646 |
| Noncurrent loans to loans | 0.0384% | 7,316 |
| Net loans and leases to total assets | 81.1083% | 699 |
| Net loans and leases to deposits | 102.2341% | 633 |
| Net loans and leases to core deposits | 108.1020% | 1,410 |
| Total domestic deposits to total assets | 79.3359% | 6,005 |
| Equity capital to assets | 11.6954% | 2,235 |
| Core capital (leverage) ratio | 11.6954% | 1,804 |
| Tier 1 risk-based capital ratio | 19.2940% | 1,655 |
| Total risk-based capital ratio | 20.5317% | 1,630 |
| Memoranda: | ||
| Average total assets | $44,108,000 | 6,946 |
| Average earning assets | $39,186,000 | 6,965 |
| Average equity | $5,110,500 | 6,813 |
| Average total loans | $36,451,500 | 6,285 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8800% | 2,323 |
| Cost of funding earning assets | 1.9865% | 3,024 |
| Net interest margin | 3.8935% | 3,294 |
| Noninterest income to average assets | 0.6587% | 3,233 |
| Noninterest expense to average assets | 3.0715% | 3,867 |
| Loan and lease loss provision to assets | 0.1682% | 6,005 |
| Net operating income to assets | 0.7778% | 2,612 |
| Return on assets (ROA) | 0.7778% | 2,705 |
| Pretax return on assets | 0.9670% | 2,703 |
| Return on Equity (ROE) | 6.8185% | 2,862 |
| Retained earnings to average equity (ytd only) | 6.8185% | 1,029 |
| Net charge-offs to loans | 0.0949% | 6,186 |
| Credit loss provision to net charge-offs | 205.7143% | 1,873 |
| Earnings coverage of net charge-offs (x) | 13.8857% | 1,397 |
| Efficiency ratio | 73.0150% | 4,093 |
| Assets per employee ($millions) | 4.0087% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6943% | 2,910 |
| Loan loss allowance to noncurrent loans | 5,618.1818% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.6871% | 5,733 |
| Noncurrent loans to loans | 0.0302% | 7,355 |
| Net loans and leases to total assets | 81.3180% | 791 |
| Net loans and leases to deposits | 102.4954% | 720 |
| Net loans and leases to core deposits | 142.3784% | 725 |
| Total domestic deposits to total assets | 79.3383% | 5,892 |
| Equity capital to assets | 11.4772% | 2,333 |
| Core capital (leverage) ratio | 11.4752% | 1,927 |
| Tier 1 risk-based capital ratio | 18.6393% | 1,728 |
| Total risk-based capital ratio | 19.8880% | 1,694 |
| Memoranda: | ||
| Average total assets | $42,812,400 | 6,997 |
| Average earning assets | $39,013,600 | 6,976 |
| Average equity | $4,883,800 | 6,985 |
| Average total loans | $36,879,800 | 6,253 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9250% | 2,338 |
| Cost of funding earning assets | 2.0916% | 2,926 |
| Net interest margin | 3.8334% | 3,510 |
| Noninterest income to average assets | 0.6840% | 3,126 |
| Noninterest expense to average assets | 3.0154% | 3,986 |
| Loan and lease loss provision to assets | 0.1694% | 5,664 |
| Net operating income to assets | 0.8064% | 2,784 |
| Return on assets (ROA) | 0.8064% | 2,850 |
| Pretax return on assets | 1.0072% | 2,883 |
| Return on Equity (ROE) | 7.0805% | 3,036 |
| Retained earnings to average equity (ytd only) | 7.0805% | 1,472 |
| Net charge-offs to loans | 0.0252% | 6,530 |
| Credit loss provision to net charge-offs | 771.4286% | 494 |
| Earnings coverage of net charge-offs (x) | 53.5895% | 599 |
| Efficiency ratio | 71.9311% | 4,255 |
| Assets per employee ($millions) | 3.9473% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6642% | 2,750 |
| Loan loss allowance to noncurrent loans | 336.2162% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.7577% | 5,613 |
| Noncurrent loans to loans | 0.4950% | 6,324 |
| Net loans and leases to total assets | 84.6453% | 471 |
| Net loans and leases to deposits | 107.0206% | 605 |
| Net loans and leases to core deposits | 127.2655% | 1,636 |
| Total domestic deposits to total assets | 79.0926% | 5,770 |
| Equity capital to assets | 11.4970% | 2,588 |
| Core capital (leverage) ratio | 11.4917% | 2,080 |
| Tier 1 risk-based capital ratio | 18.2253% | 1,931 |
| Total risk-based capital ratio | 19.4966% | 1,868 |
| Memoranda: | ||
| Average total assets | $42,491,500 | 7,054 |
| Average earning assets | $38,885,250 | 7,039 |
| Average equity | $4,839,500 | 7,065 |
| Average total loans | $36,980,750 | 6,291 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9159% | 2,514 |
| Cost of funding earning assets | 2.2016% | 2,785 |
| Net interest margin | 3.7143% | 3,893 |
| Noninterest income to average assets | 0.7349% | 2,791 |
| Noninterest expense to average assets | 3.0914% | 3,734 |
| Loan and lease loss provision to assets | 0.1707% | 5,361 |
| Net operating income to assets | 0.5690% | 3,814 |
| Return on assets (ROA) | 0.5690% | 3,925 |
| Pretax return on assets | 0.8724% | 3,435 |
| Return on Equity (ROE) | 5.0118% | 4,068 |
| Retained earnings to average equity (ytd only) | 5.0118% | 2,497 |
| Net charge-offs to loans | 0.0380% | 5,930 |
| Credit loss provision to net charge-offs | 514.2857% | 898 |
| Earnings coverage of net charge-offs (x) | 31.4286% | 962 |
| Efficiency ratio | 74.7706% | 3,911 |
| Assets per employee ($millions) | 3.9056% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 2,787 |
| Loan loss allowance to noncurrent loans | 356.5476% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.7262% | 5,595 |
| Noncurrent loans to loans | 0.4458% | 6,408 |
| Net loans and leases to total assets | 86.3251% | 351 |
| Net loans and leases to deposits | 109.2304% | 591 |
| Net loans and leases to core deposits | 129.8928% | 1,576 |
| Total domestic deposits to total assets | 79.0303% | 5,803 |
| Equity capital to assets | 11.2821% | 2,693 |
| Core capital (leverage) ratio | 11.2862% | 2,208 |
| Tier 1 risk-based capital ratio | 17.7126% | 2,087 |
| Total risk-based capital ratio | 18.9728% | 2,038 |
| Memoranda: | ||
| Average total assets | $42,182,000 | 7,127 |
| Average earning assets | $38,608,000 | 7,106 |
| Average equity | $4,788,670 | 7,141 |
| Average total loans | $36,849,330 | 6,350 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9109% | 2,740 |
| Cost of funding earning assets | 2.3581% | 2,476 |
| Net interest margin | 3.5529% | 4,514 |
| Noninterest income to average assets | 0.7561% | 2,565 |
| Noninterest expense to average assets | 2.9671% | 3,903 |
| Loan and lease loss provision to assets | 0.1723% | 4,745 |
| Net operating income to assets | 0.6126% | 3,966 |
| Return on assets (ROA) | 0.6126% | 4,157 |
| Pretax return on assets | 0.8614% | 3,855 |
| Return on Equity (ROE) | 5.3787% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.3787% | 2,921 |
| Net charge-offs to loans | 0.0769% | 4,407 |
| Credit loss provision to net charge-offs | 257.1429% | 1,829 |
| Earnings coverage of net charge-offs (x) | 15.4286% | 1,606 |
| Efficiency ratio | 74.1627% | 3,795 |
| Assets per employee ($millions) | 3.9123% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5807% | 2,596 |
| Loan loss allowance to noncurrent loans | 334.1040% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 5,471 |
| Noncurrent loans to loans | 0.4731% | 6,235 |
| Net loans and leases to total assets | 83.6226% | 745 |
| Net loans and leases to deposits | 105.5306% | 905 |
| Net loans and leases to core deposits | 125.3335% | 1,967 |
| Total domestic deposits to total assets | 79.2402% | 5,626 |
| Equity capital to assets | 11.1328% | 2,866 |
| Core capital (leverage) ratio | 11.1369% | 2,390 |
| Tier 1 risk-based capital ratio | 18.0242% | 2,046 |
| Total risk-based capital ratio | 19.2727% | 1,999 |
| Memoranda: | ||
| Average total assets | $41,792,000 | 7,177 |
| Average earning assets | $38,166,500 | 7,164 |
| Average equity | $4,759,500 | 7,204 |
| Average total loans | $36,431,000 | 6,420 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0819% | 5,136 |
| Cost of funding earning assets | 2.6111% | 3,631 |
| Net interest margin | 3.4709% | 5,397 |
| Noninterest income to average assets | 0.6811% | 3,237 |
| Noninterest expense to average assets | 3.0788% | 3,787 |
| Loan and lease loss provision to assets | 0.1684% | 5,223 |
| Net operating income to assets | 0.4904% | 4,783 |
| Return on assets (ROA) | 0.4904% | 4,610 |
| Pretax return on assets | 0.6836% | 4,449 |
| Return on Equity (ROE) | 4.2038% | 4,736 |
| Retained earnings to average equity (ytd only) | 4.2038% | 2,505 |
| Net charge-offs to loans | -0.0249% | 7,949 |
| Credit loss provision to net charge-offs | -755.5556% | 7,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3239% | 2,869 |
| Assets per employee ($millions) | 3.6863% | 4,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5649% | 2,376 |
| Loan loss allowance to noncurrent loans | 28,400.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 6,408 |
| Noncurrent loans to loans | 0.0055% | 7,536 |
| Net loans and leases to total assets | 88.1131% | 355 |
| Net loans and leases to deposits | 106.2067% | 1,103 |
| Net loans and leases to core deposits | 125.5367% | 2,204 |
| Total domestic deposits to total assets | 82.9638% | 3,788 |
| Equity capital to assets | 11.6600% | 2,525 |
| Core capital (leverage) ratio | 11.6643% | 2,146 |
| Tier 1 risk-based capital ratio | 18.1602% | 2,001 |
| Total risk-based capital ratio | 19.4118% | 1,952 |
| Memoranda: | ||
| Average total assets | $40,373,400 | 7,197 |
| Average earning assets | $37,800,400 | 7,156 |
| Average equity | $4,710,000 | 7,249 |
| Average total loans | $36,093,600 | 6,361 |