Home > Peoples Bank > Performance and Condition Ratios
Peoples Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0677% | 1,933 |
| Cost of funding earning assets | 1.4466% | 2,082 |
| Net interest margin | 3.6211% | 1,932 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.3521% | 2,714 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 0.8817% | 2,604 |
| Return on assets (ROA) | 0.8817% | 2,570 |
| Pretax return on assets | 1.0880% | 2,442 |
| Return on Equity (ROE) | 11.9400% | 1,968 |
| Retained earnings to average equity (ytd only) | 10.9869% | 795 |
| Net charge-offs to loans | 0.0028% | 2,688 |
| Credit loss provision to net charge-offs | 10,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 602.6667% | 243 |
| Efficiency ratio | 64.3252% | 2,567 |
| Assets per employee ($millions) | 7.6525% | 1,624 |
| Cash dividends to net income (ytd only)* | 8.0196% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6670% | 4,162 |
| 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 | 80.9000% | 545 |
| Net loans and leases to deposits | 94.9881% | 866 |
| Net loans and leases to core deposits | 113.1088% | 839 |
| Total domestic deposits to total assets | 85.1700% | 2,256 |
| Equity capital to assets | 7.0316% | 3,926 |
| Core capital (leverage) ratio | 9.8828% | 2,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $138,601,800 | 3,474 |
| Average earning assets | $133,550,600 | 3,409 |
| Average equity | $10,230,400 | 3,696 |
| Average total loans | $107,600,800 | 3,094 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0093% | 1,811 |
| Cost of funding earning assets | 1.1437% | 2,610 |
| Net interest margin | 3.8656% | 1,469 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.4807% | 2,297 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 0.9608% | 2,480 |
| Return on assets (ROA) | 0.9608% | 2,472 |
| Pretax return on assets | 1.1802% | 2,345 |
| Return on Equity (ROE) | 12.8300% | 1,935 |
| Retained earnings to average equity (ytd only) | 12.0309% | 965 |
| Net charge-offs to loans | 0.0026% | 2,449 |
| Credit loss provision to net charge-offs | 11,250.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 701.5000% | 227 |
| Efficiency ratio | 63.8309% | 2,517 |
| Assets per employee ($millions) | 7.5431% | 1,607 |
| Cash dividends to net income (ytd only)* | 6.2565% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7053% | 4,131 |
| 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 | 78.4900% | 824 |
| Net loans and leases to deposits | 85.7650% | 1,598 |
| Net loans and leases to core deposits | 121.1037% | 527 |
| Total domestic deposits to total assets | 91.5100% | 556 |
| Equity capital to assets | 6.7451% | 3,733 |
| Core capital (leverage) ratio | 10.5126% | 2,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $133,076,750 | 3,530 |
| Average earning assets | $127,997,500 | 3,474 |
| Average equity | $9,963,000 | 3,726 |
| Average total loans | $101,779,250 | 3,159 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8043% | 1,983 |
| Cost of funding earning assets | 0.8753% | 3,009 |
| Net interest margin | 3.9291% | 1,372 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.4047% | 2,466 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 1.0427% | 2,276 |
| Return on assets (ROA) | 1.0427% | 2,273 |
| Pretax return on assets | 1.3065% | 2,068 |
| Return on Equity (ROE) | 13.4400% | 1,802 |
| Retained earnings to average equity (ytd only) | 12.4830% | 891 |
| Net charge-offs to loans | 0.0020% | 2,302 |
| Credit loss provision to net charge-offs | 15,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 997.0000% | 148 |
| Efficiency ratio | 60.9937% | 2,844 |
| Assets per employee ($millions) | 8.5723% | 1,061 |
| Cash dividends to net income (ytd only)* | 7.1006% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6783% | 4,215 |
| 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 | 77.4000% | 900 |
| Net loans and leases to deposits | 89.6989% | 1,209 |
| Net loans and leases to core deposits | 96.6610% | 1,430 |
| Total domestic deposits to total assets | 86.2900% | 2,149 |
| Equity capital to assets | 7.6686% | 3,426 |
| Core capital (leverage) ratio | 10.7765% | 2,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $129,662,667 | 3,574 |
| Average earning assets | $124,762,333 | 3,511 |
| Average equity | $10,061,667 | 3,737 |
| Average total loans | $97,944,000 | 3,197 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6751% | 1,907 |
| Cost of funding earning assets | 0.6191% | 3,325 |
| Net interest margin | 4.0559% | 1,168 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.4524% | 2,364 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 1.1849% | 1,975 |
| Return on assets (ROA) | 1.1849% | 1,938 |
| Pretax return on assets | 1.3533% | 2,007 |
| Return on Equity (ROE) | 15.1700% | 1,524 |
| Retained earnings to average equity (ytd only) | 13.2201% | 1,054 |
| Net charge-offs to loans | 0.0043% | 1,824 |
| Credit loss provision to net charge-offs | 7,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 501.0000% | 226 |
| Efficiency ratio | 60.6441% | 2,871 |
| Assets per employee ($millions) | 7.9154% | 1,392 |
| Cash dividends to net income (ytd only)* | 12.8686% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6949% | 4,248 |
| 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 | 73.3400% | 1,284 |
| Net loans and leases to deposits | 81.1834% | 1,731 |
| Net loans and leases to core deposits | 89.5788% | 1,641 |
| Total domestic deposits to total assets | 90.3400% | 1,033 |
| Equity capital to assets | 8.0753% | 3,188 |
| Core capital (leverage) ratio | 10.9973% | 1,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $125,915,500 | 3,661 |
| Average earning assets | $120,811,500 | 3,596 |
| Average equity | $9,833,500 | 3,806 |
| Average total loans | $93,475,500 | 3,287 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9722% | 1,786 |
| Cost of funding earning assets | 0.2318% | 3,500 |
| Net interest margin | 3.7404% | 1,285 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.7539% | 1,429 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.7629% | 3,446 |
| Return on assets (ROA) | 0.7629% | 3,386 |
| Pretax return on assets | 0.9050% | 3,342 |
| Return on Equity (ROE) | 9.5500% | 2,954 |
| Retained earnings to average equity (ytd only) | 5.3008% | 2,926 |
| Net charge-offs to loans | 0.0054% | 2,235 |
| Credit loss provision to net charge-offs | 3,375.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 283.7500% | 509 |
| Efficiency ratio | 72.8339% | 1,347 |
| Assets per employee ($millions) | 8.3535% | 1,166 |
| Cash dividends to net income (ytd only)* | 44.4840% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6166% | 4,323 |
| 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 | 74.0900% | 1,209 |
| Net loans and leases to deposits | 81.8852% | 1,626 |
| Net loans and leases to core deposits | 90.5764% | 1,477 |
| Total domestic deposits to total assets | 90.4800% | 1,160 |
| Equity capital to assets | 7.6279% | 3,310 |
| Core capital (leverage) ratio | 11.9418% | 1,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $110,498,400 | 3,829 |
| Average earning assets | $106,565,400 | 3,764 |
| Average equity | $8,828,800 | 4,007 |
| Average total loans | $74,367,800 | 3,500 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8459% | 1,627 |
| Cost of funding earning assets | 0.2173% | 3,070 |
| Net interest margin | 3.6286% | 1,322 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.6667% | 1,541 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.7753% | 3,336 |
| Return on assets (ROA) | 0.7753% | 3,290 |
| Pretax return on assets | 0.9288% | 3,241 |
| Return on Equity (ROE) | 9.5800% | 2,850 |
| Retained earnings to average equity (ytd only) | 3.7933% | 3,514 |
| Net charge-offs to loans | 0.0038% | 2,076 |
| Credit loss provision to net charge-offs | 4,500.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 417.0000% | 370 |
| Efficiency ratio | 71.9192% | 1,524 |
| Assets per employee ($millions) | 7.1232% | 1,863 |
| Cash dividends to net income (ytd only)* | 60.3865% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6767% | 4,291 |
| 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 | 68.6400% | 1,599 |
| Net loans and leases to deposits | 73.7831% | 2,076 |
| Net loans and leases to core deposits | 82.0405% | 1,764 |
| Total domestic deposits to total assets | 93.0300% | 574 |
| Equity capital to assets | 5.6646% | 4,084 |
| Core capital (leverage) ratio | 9.8682% | 2,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $106,797,250 | 3,887 |
| Average earning assets | $103,068,000 | 3,826 |
| Average equity | $8,646,500 | 4,074 |
| Average total loans | $69,606,000 | 3,595 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6832% | 1,581 |
| Cost of funding earning assets | 0.2158% | 2,694 |
| Net interest margin | 3.4673% | 1,401 |
| Noninterest income to average assets | 0.2165% | 3,905 |
| Noninterest expense to average assets | 2.6167% | 1,589 |
| Loan and lease loss provision to assets | 0.0862% | 1,152 |
| Net operating income to assets | 0.7298% | 3,210 |
| Return on assets (ROA) | 0.7298% | 3,164 |
| Pretax return on assets | 0.8678% | 3,153 |
| Return on Equity (ROE) | 8.1266% | 2,985 |
| Retained earnings to average equity (ytd only) | 6.9748% | 1,999 |
| Net charge-offs to loans | -0.0030% | 3,204 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2833% | 1,590 |
| Assets per employee ($millions) | 6.4174% | 2,378 |
| Cash dividends to net income (ytd only)* | 14.1732% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6773% | 4,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 66.0003% | 1,692 |
| Net loans and leases to deposits | 72.0311% | 2,022 |
| Net loans and leases to core deposits | 79.5095% | 1,746 |
| Total domestic deposits to total assets | 91.6275% | 991 |
| Equity capital to assets | 7.0792% | 3,723 |
| Core capital (leverage) ratio | 10.6399% | 1,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,406,000 | 3,955 |
| Average earning assets | $101,000,333 | 3,904 |
| Average equity | $9,376,667 | 4,062 |
| Average total loans | $66,552,667 | 3,685 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5198% | 1,742 |
| Cost of funding earning assets | 0.2142% | 2,607 |
| Net interest margin | 3.3056% | 1,553 |
| Noninterest income to average assets | 0.2391% | 3,714 |
| Noninterest expense to average assets | 2.6063% | 1,584 |
| Loan and lease loss provision to assets | 0.0392% | 1,652 |
| Net operating income to assets | 0.6702% | 3,159 |
| Return on assets (ROA) | 0.6702% | 3,142 |
| Pretax return on assets | 0.7995% | 3,112 |
| Return on Equity (ROE) | 6.7036% | 3,127 |
| Retained earnings to average equity (ytd only) | 5.4491% | 2,432 |
| Net charge-offs to loans | -0.0126% | 3,679 |
| Credit loss provision to net charge-offs | -500.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6542% | 1,569 |
| Assets per employee ($millions) | 6.5412% | 2,349 |
| Cash dividends to net income (ytd only)* | 18.7135% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7230% | 4,351 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 59.9624% | 2,070 |
| Net loans and leases to deposits | 66.7752% | 2,268 |
| Net loans and leases to core deposits | 72.4799% | 2,069 |
| Total domestic deposits to total assets | 89.7973% | 1,673 |
| Equity capital to assets | 8.8717% | 2,822 |
| Core capital (leverage) ratio | 10.7314% | 1,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,061,500 | 3,987 |
| Average earning assets | $98,984,000 | 3,940 |
| Average equity | $10,203,500 | 4,032 |
| Average total loans | $63,582,000 | 3,738 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6815% | 111 |
| Cost of funding earning assets | 0.2579% | 2,832 |
| Net interest margin | 5.4235% | 90 |
| Noninterest income to average assets | 0.2269% | 4,022 |
| Noninterest expense to average assets | 2.4601% | 2,309 |
| Loan and lease loss provision to assets | 0.0572% | 1,912 |
| Net operating income to assets | 2.3122% | 205 |
| Return on assets (ROA) | 2.3800% | 190 |
| Pretax return on assets | 3.0885% | 134 |
| Return on Equity (ROE) | 24.8903% | 127 |
| Retained earnings to average equity (ytd only) | 18.9868% | 77 |
| Net charge-offs to loans | 0.0044% | 2,440 |
| Credit loss provision to net charge-offs | 2,000.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 1,069.6667% | 134 |
| Efficiency ratio | 44.5673% | 4,552 |
| Assets per employee ($millions) | 6.2165% | 2,558 |
| Cash dividends to net income (ytd only)* | 23.7179% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6958% | 4,426 |
| 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 | 63.8482% | 1,721 |
| Net loans and leases to deposits | 73.4072% | 1,777 |
| Net loans and leases to core deposits | 79.2606% | 1,657 |
| Total domestic deposits to total assets | 86.9782% | 2,532 |
| Equity capital to assets | 11.1819% | 1,675 |
| Core capital (leverage) ratio | 10.2909% | 2,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,872,800 | 3,945 |
| Average earning assets | $102,350,000 | 3,883 |
| Average equity | $10,028,000 | 4,124 |
| Average total loans | $67,804,600 | 3,689 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0096% | 86 |
| Cost of funding earning assets | 0.2648% | 2,959 |
| Net interest margin | 5.7448% | 74 |
| Noninterest income to average assets | 0.2121% | 4,132 |
| Noninterest expense to average assets | 2.3346% | 2,645 |
| Loan and lease loss provision to assets | 0.0565% | 1,850 |
| Net operating income to assets | 2.6269% | 188 |
| Return on assets (ROA) | 2.7162% | 169 |
| Pretax return on assets | 3.5446% | 116 |
| Return on Equity (ROE) | 29.5788% | 100 |
| Retained earnings to average equity (ytd only) | 28.6766% | 33 |
| Net charge-offs to loans | 0.0058% | 2,111 |
| Credit loss provision to net charge-offs | 1,500.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 926.3333% | 177 |
| Efficiency ratio | 40.0948% | 4,719 |
| Assets per employee ($millions) | 6.6640% | 2,128 |
| Cash dividends to net income (ytd only)* | 3.0499% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6798% | 4,535 |
| 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 | 58.9220% | 2,380 |
| Net loans and leases to deposits | 67.6025% | 2,473 |
| Net loans and leases to core deposits | 73.2294% | 2,300 |
| Total domestic deposits to total assets | 87.1596% | 2,284 |
| Equity capital to assets | 10.6177% | 2,348 |
| Core capital (leverage) ratio | 10.3767% | 2,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,225,000 | 3,978 |
| Average earning assets | $103,743,000 | 3,915 |
| Average equity | $9,754,500 | 4,214 |
| Average total loans | $68,768,000 | 3,725 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9296% | 105 |
| Cost of funding earning assets | 0.2587% | 3,199 |
| Net interest margin | 5.6709% | 79 |
| Noninterest income to average assets | 0.2130% | 4,127 |
| Noninterest expense to average assets | 2.3301% | 2,672 |
| Loan and lease loss provision to assets | 0.0566% | 1,901 |
| Net operating income to assets | 2.5808% | 200 |
| Return on assets (ROA) | 2.5808% | 211 |
| Pretax return on assets | 3.3631% | 130 |
| Return on Equity (ROE) | 29.6566% | 100 |
| Retained earnings to average equity (ytd only) | 28.7468% | 43 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5246% | 4,736 |
| Assets per employee ($millions) | 7.1238% | 1,708 |
| Cash dividends to net income (ytd only)* | 3.0679% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5519% | 4,703 |
| 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 | 66.0818% | 1,688 |
| Net loans and leases to deposits | 81.7984% | 1,247 |
| Net loans and leases to core deposits | 88.0874% | 1,261 |
| Total domestic deposits to total assets | 80.7861% | 4,115 |
| Equity capital to assets | 8.7980% | 3,976 |
| Core capital (leverage) ratio | 9.4089% | 3,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,092,000 | 3,999 |
| Average earning assets | $103,581,333 | 3,937 |
| Average equity | $9,232,333 | 4,298 |
| Average total loans | $70,605,667 | 3,710 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1565% | 288 |
| Cost of funding earning assets | 0.3014% | 2,980 |
| Net interest margin | 4.8551% | 226 |
| Noninterest income to average assets | 0.2350% | 3,984 |
| Noninterest expense to average assets | 2.2751% | 2,865 |
| Loan and lease loss provision to assets | 0.0587% | 1,951 |
| Net operating income to assets | 2.0049% | 565 |
| Return on assets (ROA) | 2.0715% | 556 |
| Pretax return on assets | 2.6980% | 334 |
| Return on Equity (ROE) | 23.9516% | 296 |
| Retained earnings to average equity (ytd only) | 23.0460% | 181 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8202% | 4,476 |
| Assets per employee ($millions) | 7.1353% | 1,701 |
| Cash dividends to net income (ytd only)* | 3.7807% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5438% | 4,743 |
| Loan loss allowance to noncurrent loans | 2,015.0000% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 4,241 |
| Noncurrent loans to loans | 0.0270% | 4,154 |
| Net loans and leases to total assets | 68.8648% | 1,422 |
| Net loans and leases to deposits | 81.3281% | 1,392 |
| Net loans and leases to core deposits | 87.6847% | 1,393 |
| Total domestic deposits to total assets | 84.6753% | 3,228 |
| Equity capital to assets | 8.3285% | 4,255 |
| Core capital (leverage) ratio | 9.2464% | 3,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,148,000 | 4,046 |
| Average earning assets | $99,524,500 | 3,984 |
| Average equity | $8,834,500 | 4,354 |
| Average total loans | $68,039,500 | 3,772 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3798% | 1,642 |
| Cost of funding earning assets | 0.3280% | 3,988 |
| Net interest margin | 4.0518% | 871 |
| Noninterest income to average assets | 0.2145% | 4,207 |
| Noninterest expense to average assets | 2.9227% | 1,628 |
| Loan and lease loss provision to assets | 0.0981% | 3,108 |
| Net operating income to assets | 0.9019% | 2,689 |
| Return on assets (ROA) | 1.1561% | 1,824 |
| Pretax return on assets | 1.4295% | 1,574 |
| Return on Equity (ROE) | 12.9153% | 1,065 |
| Retained earnings to average equity (ytd only) | 12.2579% | 295 |
| Net charge-offs to loans | 0.0019% | 3,339 |
| Credit loss provision to net charge-offs | 8,000.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 990.0000% | 120 |
| Efficiency ratio | 68.6722% | 2,145 |
| Assets per employee ($millions) | 6.9476% | 1,620 |
| Cash dividends to net income (ytd only)* | 5.0901% | 3,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6261% | 4,691 |
| 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 | 63.3130% | 2,450 |
| Net loans and leases to deposits | 76.1098% | 2,271 |
| Net loans and leases to core deposits | 82.2717% | 2,174 |
| Total domestic deposits to total assets | 83.1863% | 3,357 |
| Equity capital to assets | 9.0011% | 4,051 |
| Core capital (leverage) ratio | 10.0181% | 2,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,567,400 | 4,222 |
| Average earning assets | $78,953,400 | 4,172 |
| Average equity | $7,301,400 | 4,497 |
| Average total loans | $53,252,400 | 4,042 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3256% | 2,025 |
| Cost of funding earning assets | 0.3289% | 4,161 |
| Net interest margin | 3.9967% | 1,122 |
| Noninterest income to average assets | 0.2456% | 4,008 |
| Noninterest expense to average assets | 2.9639% | 1,519 |
| Loan and lease loss provision to assets | 0.1121% | 2,921 |
| Net operating income to assets | 0.8603% | 2,861 |
| Return on assets (ROA) | 1.0406% | 2,308 |
| Pretax return on assets | 1.2450% | 2,248 |
| Return on Equity (ROE) | 11.6457% | 1,463 |
| Retained earnings to average equity (ytd only) | 10.9347% | 590 |
| Net charge-offs to loans | 0.0026% | 3,086 |
| Credit loss provision to net charge-offs | 6,500.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 665.0000% | 182 |
| Efficiency ratio | 70.0962% | 1,874 |
| Assets per employee ($millions) | 6.6811% | 1,687 |
| Cash dividends to net income (ytd only)* | 6.1056% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5695% | 4,762 |
| 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 | 69.6288% | 2,013 |
| Net loans and leases to deposits | 90.7151% | 1,198 |
| Net loans and leases to core deposits | 99.4503% | 1,203 |
| Total domestic deposits to total assets | 76.7555% | 4,355 |
| Equity capital to assets | 8.0322% | 4,701 |
| Core capital (leverage) ratio | 8.7978% | 3,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,642,750 | 4,279 |
| Average earning assets | $74,993,250 | 4,233 |
| Average equity | $6,938,000 | 4,552 |
| Average total loans | $51,073,000 | 4,111 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1941% | 2,787 |
| Cost of funding earning assets | 0.3447% | 4,294 |
| Net interest margin | 3.8494% | 1,693 |
| Noninterest income to average assets | 0.2516% | 3,968 |
| Noninterest expense to average assets | 3.0963% | 1,365 |
| Loan and lease loss provision to assets | 0.1189% | 2,830 |
| Net operating income to assets | 0.6269% | 3,650 |
| Return on assets (ROA) | 0.9206% | 2,740 |
| Pretax return on assets | 1.0865% | 2,752 |
| Return on Equity (ROE) | 9.8720% | 2,024 |
| Retained earnings to average equity (ytd only) | 9.0419% | 994 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9609% | 1,271 |
| Assets per employee ($millions) | 6.1026% | 2,086 |
| Cash dividends to net income (ytd only)* | 8.4084% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5601% | 4,783 |
| 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 | 73.1440% | 1,537 |
| Net loans and leases to deposits | 93.1479% | 1,037 |
| Net loans and leases to core deposits | 98.9471% | 1,333 |
| Total domestic deposits to total assets | 78.5245% | 4,108 |
| Equity capital to assets | 8.3044% | 4,587 |
| Core capital (leverage) ratio | 8.7698% | 4,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,345,000 | 4,364 |
| Average earning assets | $69,622,000 | 4,321 |
| Average equity | $6,746,333 | 4,598 |
| Average total loans | $46,263,667 | 4,210 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8030% | 4,228 |
| Cost of funding earning assets | 0.3689% | 4,464 |
| Net interest margin | 3.4342% | 3,201 |
| Noninterest income to average assets | 0.3161% | 3,622 |
| Noninterest expense to average assets | 3.2827% | 1,254 |
| Loan and lease loss provision to assets | 0.0547% | 3,084 |
| Net operating income to assets | 0.2796% | 4,389 |
| Return on assets (ROA) | 0.2796% | 4,409 |
| Pretax return on assets | 0.2614% | 4,508 |
| Return on Equity (ROE) | 2.7998% | 4,264 |
| Retained earnings to average equity (ytd only) | 2.1302% | 3,394 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3446% | 570 |
| Assets per employee ($millions) | 4.7880% | 2,885 |
| Cash dividends to net income (ytd only)* | 23.9130% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8119% | 4,385 |
| 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 | 57.9544% | 3,675 |
| Net loans and leases to deposits | 65.8899% | 3,869 |
| Net loans and leases to core deposits | 70.9164% | 3,819 |
| Total domestic deposits to total assets | 87.9565% | 1,130 |
| Equity capital to assets | 9.8043% | 3,957 |
| Core capital (leverage) ratio | 10.0634% | 3,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,799,000 | 4,472 |
| Average earning assets | $62,897,500 | 4,433 |
| Average equity | $6,572,000 | 4,653 |
| Average total loans | $37,973,500 | 4,414 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9563% | 4,335 |
| Cost of funding earning assets | 0.3178% | 4,688 |
| Net interest margin | 3.6386% | 3,004 |
| Noninterest income to average assets | 0.3449% | 3,643 |
| Noninterest expense to average assets | 3.0465% | 1,892 |
| Loan and lease loss provision to assets | 0.0408% | 3,198 |
| Net operating income to assets | 0.6830% | 3,916 |
| Return on assets (ROA) | 0.6830% | 3,987 |
| Pretax return on assets | 0.7595% | 4,060 |
| Return on Equity (ROE) | 6.8899% | 3,589 |
| Retained earnings to average equity (ytd only) | -1.4911% | 4,843 |
| Net charge-offs to loans | 0.0060% | 3,463 |
| Credit loss provision to net charge-offs | 1,200.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 235.5000% | 351 |
| Efficiency ratio | 79.1961% | 1,017 |
| Assets per employee ($millions) | 5.8696% | 1,740 |
| Cash dividends to net income (ytd only)* | 121.6418% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8401% | 4,188 |
| 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 | 56.4879% | 3,889 |
| Net loans and leases to deposits | 64.5122% | 4,044 |
| Net loans and leases to core deposits | 69.6416% | 3,979 |
| Total domestic deposits to total assets | 87.5616% | 1,337 |
| Equity capital to assets | 10.1787% | 3,753 |
| Core capital (leverage) ratio | 10.5865% | 2,871 |
| Tier 1 risk-based capital ratio | 13.5574% | 3,487 |
| Total risk-based capital ratio | 14.2089% | 3,690 |
| Memoranda: | ||
| Average total assets | $58,853,800 | 4,616 |
| Average earning assets | $56,643,400 | 4,579 |
| Average equity | $5,834,600 | 4,778 |
| Average total loans | $33,324,200 | 4,571 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9975% | 4,367 |
| Cost of funding earning assets | 0.3134% | 4,766 |
| Net interest margin | 3.6841% | 2,972 |
| Noninterest income to average assets | 0.3483% | 3,643 |
| Noninterest expense to average assets | 2.8419% | 2,431 |
| Loan and lease loss provision to assets | 0.0418% | 3,066 |
| Net operating income to assets | 0.8892% | 3,384 |
| Return on assets (ROA) | 0.8892% | 3,460 |
| Pretax return on assets | 1.0123% | 3,550 |
| Return on Equity (ROE) | 9.0377% | 2,873 |
| Retained earnings to average equity (ytd only) | 9.0141% | 1,039 |
| Net charge-offs to loans | 0.0041% | 3,261 |
| Credit loss provision to net charge-offs | 1,800.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 455.1278% | 218 |
| Efficiency ratio | 72.9440% | 1,705 |
| Assets per employee ($millions) | 5.4067% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.2605% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 3,999 |
| 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 | 55.6142% | 4,069 |
| Net loans and leases to deposits | 63.6346% | 4,199 |
| Net loans and leases to core deposits | 66.0754% | 4,271 |
| Total domestic deposits to total assets | 87.3962% | 1,312 |
| Equity capital to assets | 9.9640% | 4,055 |
| Core capital (leverage) ratio | 10.4684% | 3,130 |
| Tier 1 risk-based capital ratio | 13.6557% | 3,503 |
| Total risk-based capital ratio | 14.3591% | 3,699 |
| Memoranda: | ||
| Average total assets | $57,425,750 | 4,697 |
| Average earning assets | $55,299,750 | 4,661 |
| Average equity | $5,650,250 | 4,870 |
| Average total loans | $32,460,000 | 4,658 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0169% | 4,342 |
| Cost of funding earning assets | 0.3115% | 4,798 |
| Net interest margin | 3.7054% | 2,916 |
| Noninterest income to average assets | 0.3348% | 3,696 |
| Noninterest expense to average assets | 2.8197% | 2,520 |
| Loan and lease loss provision to assets | 0.0423% | 2,972 |
| Net operating income to assets | 0.9094% | 3,243 |
| Return on assets (ROA) | 0.9094% | 3,307 |
| Pretax return on assets | 1.0363% | 3,425 |
| Return on Equity (ROE) | 9.2834% | 2,737 |
| Retained earnings to average equity (ytd only) | 9.2474% | 970 |
| Net charge-offs to loans | -0.0062% | 4,186 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3327% | 1,871 |
| Assets per employee ($millions) | 5.2627% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.3876% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 3,928 |
| 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 | 54.9335% | 4,150 |
| Net loans and leases to deposits | 63.1662% | 4,263 |
| Net loans and leases to core deposits | 66.0087% | 4,317 |
| Total domestic deposits to total assets | 86.9667% | 1,608 |
| Equity capital to assets | 9.9810% | 3,987 |
| Core capital (leverage) ratio | 10.3172% | 3,269 |
| Tier 1 risk-based capital ratio | 13.6831% | 3,491 |
| Total risk-based capital ratio | 14.3960% | 3,668 |
| Memoranda: | ||
| Average total assets | $56,743,000 | 4,744 |
| Average earning assets | $54,569,000 | 4,705 |
| Average equity | $5,558,330 | 4,913 |
| Average total loans | $32,153,330 | 4,700 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9834% | 4,402 |
| Cost of funding earning assets | 0.3036% | 4,835 |
| Net interest margin | 3.6798% | 2,971 |
| Noninterest income to average assets | 0.3347% | 3,624 |
| Noninterest expense to average assets | 2.8628% | 2,377 |
| Loan and lease loss provision to assets | 0.0427% | 2,782 |
| Net operating income to assets | 0.8617% | 3,396 |
| Return on assets (ROA) | 0.8617% | 3,446 |
| Pretax return on assets | 0.9685% | 3,554 |
| Return on Equity (ROE) | 8.8832% | 2,858 |
| Retained earnings to average equity (ytd only) | 8.8832% | 1,358 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8971% | 1,767 |
| Assets per employee ($millions) | 5.7594% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 4,062 |
| 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 | 54.7852% | 4,149 |
| Net loans and leases to deposits | 62.2482% | 4,289 |
| Net loans and leases to core deposits | 63.6637% | 4,401 |
| Total domestic deposits to total assets | 88.0109% | 1,334 |
| Equity capital to assets | 9.6642% | 4,120 |
| Core capital (leverage) ratio | 10.3137% | 3,259 |
| Tier 1 risk-based capital ratio | 13.5859% | 3,565 |
| Total risk-based capital ratio | 14.2940% | 3,765 |
| Memoranda: | ||
| Average total assets | $56,169,500 | 4,805 |
| Average earning assets | $54,024,500 | 4,764 |
| Average equity | $5,448,500 | 4,974 |
| Average total loans | $32,179,000 | 4,748 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9268% | 4,221 |
| Cost of funding earning assets | 0.2758% | 4,675 |
| Net interest margin | 3.6509% | 3,219 |
| Noninterest income to average assets | 0.3829% | 3,540 |
| Noninterest expense to average assets | 2.9586% | 2,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8377% | 3,657 |
| Return on assets (ROA) | 0.8377% | 3,656 |
| Pretax return on assets | 0.9334% | 3,805 |
| Return on Equity (ROE) | 8.8025% | 3,093 |
| Retained earnings to average equity (ytd only) | 3.8499% | 3,465 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0170% | 1,358 |
| Assets per employee ($millions) | 4.9768% | 2,532 |
| Cash dividends to net income (ytd only)* | 56.2637% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 4,223 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 4,242 |
| Noncurrent loans to loans | 0.1969% | 3,873 |
| Net loans and leases to total assets | 58.8602% | 3,887 |
| Net loans and leases to deposits | 67.2209% | 4,028 |
| Net loans and leases to core deposits | 68.8349% | 4,184 |
| Total domestic deposits to total assets | 87.5623% | 1,502 |
| Equity capital to assets | 9.7379% | 3,925 |
| Core capital (leverage) ratio | 10.0602% | 3,511 |
| Tier 1 risk-based capital ratio | 12.6847% | 4,021 |
| Total risk-based capital ratio | 13.3467% | 4,255 |
| Memoranda: | ||
| Average total assets | $54,316,800 | 4,870 |
| Average earning assets | $52,205,600 | 4,815 |
| Average equity | $5,169,000 | 5,025 |
| Average total loans | $30,628,000 | 4,806 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8648% | 4,293 |
| Cost of funding earning assets | 0.2693% | 4,679 |
| Net interest margin | 3.5955% | 3,382 |
| Noninterest income to average assets | 0.3861% | 3,559 |
| Noninterest expense to average assets | 2.9809% | 2,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7747% | 3,994 |
| Return on assets (ROA) | 0.7747% | 4,004 |
| Pretax return on assets | 0.8535% | 4,160 |
| Return on Equity (ROE) | 8.1893% | 3,474 |
| Retained earnings to average equity (ytd only) | 1.5338% | 4,712 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7421% | 1,141 |
| Assets per employee ($millions) | 4.9809% | 2,493 |
| Cash dividends to net income (ytd only)* | 81.2686% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 4,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 57.5050% | 4,091 |
| Net loans and leases to deposits | 65.5263% | 4,237 |
| Net loans and leases to core deposits | 66.7337% | 4,371 |
| Total domestic deposits to total assets | 87.7587% | 1,358 |
| Equity capital to assets | 9.2973% | 4,278 |
| Core capital (leverage) ratio | 9.9117% | 3,727 |
| Tier 1 risk-based capital ratio | 13.2887% | 3,732 |
| Total risk-based capital ratio | 14.0002% | 3,952 |
| Memoranda: | ||
| Average total assets | $54,209,750 | 4,925 |
| Average earning assets | $51,989,750 | 4,873 |
| Average equity | $5,128,500 | 5,093 |
| Average total loans | $30,157,250 | 4,871 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8048% | 4,341 |
| Cost of funding earning assets | 0.2632% | 4,674 |
| Net interest margin | 3.5416% | 3,497 |
| Noninterest income to average assets | 0.3999% | 3,487 |
| Noninterest expense to average assets | 3.0509% | 1,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6850% | 4,239 |
| Return on assets (ROA) | 0.6850% | 4,243 |
| Pretax return on assets | 0.7368% | 4,417 |
| Return on Equity (ROE) | 7.1984% | 3,833 |
| Retained earnings to average equity (ytd only) | 0.5058% | 4,860 |
| Net charge-offs to loans | 0.0068% | 2,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 199.0000% | 420 |
| Efficiency ratio | 80.5474% | 957 |
| Assets per employee ($millions) | 4.5450% | 3,061 |
| Cash dividends to net income (ytd only)* | 92.9730% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 3,986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 53.6615% | 4,366 |
| Net loans and leases to deposits | 61.1436% | 4,470 |
| Net loans and leases to core deposits | 62.2729% | 4,590 |
| Total domestic deposits to total assets | 87.7631% | 1,497 |
| Equity capital to assets | 9.3711% | 4,216 |
| Core capital (leverage) ratio | 9.9888% | 3,591 |
| Tier 1 risk-based capital ratio | 13.5151% | 3,607 |
| Total risk-based capital ratio | 14.2434% | 3,820 |
| Memoranda: | ||
| Average total assets | $54,016,330 | 4,978 |
| Average earning assets | $51,671,670 | 4,939 |
| Average equity | $5,140,000 | 5,143 |
| Average total loans | $29,611,330 | 4,931 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7752% | 4,289 |
| Cost of funding earning assets | 0.2719% | 4,566 |
| Net interest margin | 3.5033% | 3,525 |
| Noninterest income to average assets | 0.4390% | 3,190 |
| Noninterest expense to average assets | 3.0807% | 1,876 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6697% | 4,214 |
| Return on assets (ROA) | 0.6697% | 4,216 |
| Pretax return on assets | 0.7144% | 4,403 |
| Return on Equity (ROE) | 6.9842% | 3,787 |
| Retained earnings to average equity (ytd only) | 0.3104% | 4,759 |
| Net charge-offs to loans | 0.0135% | 2,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 632 |
| Efficiency ratio | 81.1765% | 1,028 |
| Assets per employee ($millions) | 4.4429% | 3,257 |
| Cash dividends to net income (ytd only)* | 95.5556% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 3,980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 53.5984% | 4,319 |
| Net loans and leases to deposits | 61.5014% | 4,371 |
| Net loans and leases to core deposits | 62.6708% | 4,506 |
| Total domestic deposits to total assets | 87.1500% | 2,065 |
| Equity capital to assets | 9.5770% | 4,015 |
| Core capital (leverage) ratio | 10.1644% | 3,345 |
| Tier 1 risk-based capital ratio | 13.2636% | 3,802 |
| Total risk-based capital ratio | 13.9811% | 3,992 |
| Memoranda: | ||
| Average total assets | $53,754,500 | 5,039 |
| Average earning assets | $51,494,500 | 4,998 |
| Average equity | $5,154,500 | 5,193 |
| Average total loans | $29,639,500 | 4,978 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8159% | 3,993 |
| Cost of funding earning assets | 0.2804% | 4,307 |
| Net interest margin | 3.5355% | 3,402 |
| Noninterest income to average assets | 0.5513% | 2,713 |
| Noninterest expense to average assets | 3.0728% | 1,945 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8307% | 3,028 |
| Return on assets (ROA) | 0.8307% | 3,064 |
| Pretax return on assets | 0.8619% | 4,042 |
| Return on Equity (ROE) | 8.8941% | 2,358 |
| Retained earnings to average equity (ytd only) | 4.5651% | 2,418 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0943% | 1,334 |
| Assets per employee ($millions) | 4.1688% | 3,704 |
| Cash dividends to net income (ytd only)* | 48.6726% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9469% | 4,231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 55.5910% | 4,227 |
| Net loans and leases to deposits | 63.7069% | 4,331 |
| Net loans and leases to core deposits | 64.5339% | 4,500 |
| Total domestic deposits to total assets | 87.2606% | 1,873 |
| Equity capital to assets | 9.6007% | 4,141 |
| Core capital (leverage) ratio | 9.8408% | 3,649 |
| Tier 1 risk-based capital ratio | 13.1230% | 3,835 |
| Total risk-based capital ratio | 13.8333% | 4,049 |
| Memoranda: | ||
| Average total assets | $54,413,400 | 5,068 |
| Average earning assets | $52,072,200 | 5,029 |
| Average equity | $5,082,000 | 5,258 |
| Average total loans | $29,855,400 | 5,032 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7945% | 4,028 |
| Cost of funding earning assets | 0.2789% | 4,327 |
| Net interest margin | 3.5156% | 3,446 |
| Noninterest income to average assets | 0.5875% | 2,553 |
| Noninterest expense to average assets | 3.0941% | 1,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7295% | 3,819 |
| Return on assets (ROA) | 0.7295% | 3,894 |
| Pretax return on assets | 0.8567% | 4,193 |
| Return on Equity (ROE) | 7.8650% | 3,196 |
| Retained earnings to average equity (ytd only) | 3.4839% | 3,846 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3147% | 1,291 |
| Assets per employee ($millions) | 4.1361% | 3,764 |
| Cash dividends to net income (ytd only)* | 55.7057% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 4,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 54.9183% | 4,331 |
| Net loans and leases to deposits | 63.3615% | 4,426 |
| Net loans and leases to core deposits | 64.1949% | 4,597 |
| Total domestic deposits to total assets | 86.6745% | 2,009 |
| Equity capital to assets | 9.6022% | 4,347 |
| Core capital (leverage) ratio | 9.7949% | 3,827 |
| Tier 1 risk-based capital ratio | 12.8940% | 4,086 |
| Total risk-based capital ratio | 13.6054% | 4,314 |
| Memoranda: | ||
| Average total assets | $54,468,250 | 5,125 |
| Average earning assets | $52,108,500 | 5,085 |
| Average equity | $5,051,750 | 5,324 |
| Average total loans | $29,715,500 | 5,088 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7714% | 3,994 |
| Cost of funding earning assets | 0.2757% | 4,329 |
| Net interest margin | 3.4957% | 3,417 |
| Noninterest income to average assets | 0.6727% | 2,112 |
| Noninterest expense to average assets | 3.1480% | 1,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7532% | 3,628 |
| Return on assets (ROA) | 0.7532% | 3,677 |
| Pretax return on assets | 0.8629% | 4,067 |
| Return on Equity (ROE) | 8.2159% | 2,905 |
| Retained earnings to average equity (ytd only) | 3.7889% | 3,432 |
| Net charge-offs to loans | 0.0067% | 3,217 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 236.0000% | 358 |
| Efficiency ratio | 78.4868% | 1,395 |
| Assets per employee ($millions) | 4.1708% | 3,679 |
| Cash dividends to net income (ytd only)* | 53.8835% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 4,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 53.3585% | 4,449 |
| Net loans and leases to deposits | 61.7274% | 4,520 |
| Net loans and leases to core deposits | 62.5346% | 4,690 |
| Total domestic deposits to total assets | 86.4423% | 2,176 |
| Equity capital to assets | 9.4633% | 4,440 |
| Core capital (leverage) ratio | 9.5223% | 4,114 |
| Tier 1 risk-based capital ratio | 13.1974% | 3,881 |
| Total risk-based capital ratio | 13.9281% | 4,108 |
| Memoranda: | ||
| Average total assets | $54,701,330 | 5,158 |
| Average earning assets | $52,235,000 | 5,122 |
| Average equity | $5,014,670 | 5,368 |
| Average total loans | $29,681,670 | 5,126 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7191% | 4,056 |
| Cost of funding earning assets | 0.2667% | 4,390 |
| Net interest margin | 3.4524% | 3,441 |
| Noninterest income to average assets | 0.3713% | 3,877 |
| Noninterest expense to average assets | 3.1597% | 1,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4951% | 4,618 |
| Return on assets (ROA) | 0.4951% | 4,639 |
| Pretax return on assets | 0.5096% | 4,948 |
| Return on Equity (ROE) | 5.4877% | 4,154 |
| Retained earnings to average equity (ytd only) | 0.9684% | 4,669 |
| Net charge-offs to loans | 0.0134% | 2,536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 722 |
| Efficiency ratio | 86.1111% | 799 |
| Assets per employee ($millions) | 4.2988% | 3,508 |
| Cash dividends to net income (ytd only)* | 82.3529% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 4,500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8392% | 2,201 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 53.2084% | 4,404 |
| Net loans and leases to deposits | 61.4296% | 4,468 |
| Net loans and leases to core deposits | 62.2058% | 4,642 |
| Total domestic deposits to total assets | 86.6169% | 2,392 |
| Equity capital to assets | 8.9256% | 4,880 |
| Core capital (leverage) ratio | 9.5371% | 4,075 |
| Tier 1 risk-based capital ratio | 12.5814% | 4,338 |
| Total risk-based capital ratio | 13.2917% | 4,581 |
| Memoranda: | ||
| Average total assets | $54,942,000 | 5,210 |
| Average earning assets | $52,485,500 | 5,168 |
| Average equity | $4,956,500 | 5,427 |
| Average total loans | $29,913,500 | 5,166 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6908% | 4,238 |
| Cost of funding earning assets | 0.2744% | 4,318 |
| Net interest margin | 3.4164% | 3,760 |
| Noninterest income to average assets | 0.4132% | 3,789 |
| Noninterest expense to average assets | 3.1352% | 1,940 |
| Loan and lease loss provision to assets | -0.1316% | 5,725 |
| Net operating income to assets | 0.6004% | 4,203 |
| Return on assets (ROA) | 0.6004% | 4,315 |
| Pretax return on assets | 0.6856% | 4,541 |
| Return on Equity (ROE) | 6.4624% | 3,755 |
| Retained earnings to average equity (ytd only) | 1.8948% | 4,454 |
| Net charge-offs to loans | -0.0207% | 5,139 |
| Credit loss provision to net charge-offs | 1,183.3333% | 337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9824% | 910 |
| Assets per employee ($millions) | 4.1538% | 3,697 |
| Cash dividends to net income (ytd only)* | 70.6790% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 4,493 |
| Loan loss allowance to noncurrent loans | 61.4072% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 0.8685% | 2,175 |
| Noncurrent loans to loans | 1.5736% | 1,254 |
| Net loans and leases to total assets | 54.6593% | 4,375 |
| Net loans and leases to deposits | 62.8481% | 4,480 |
| Net loans and leases to core deposits | 63.6670% | 4,655 |
| Total domestic deposits to total assets | 86.9704% | 2,162 |
| Equity capital to assets | 9.1204% | 4,683 |
| Core capital (leverage) ratio | 9.3881% | 4,236 |
| Tier 1 risk-based capital ratio | 12.5558% | 4,353 |
| Total risk-based capital ratio | 13.2665% | 4,599 |
| Memoranda: | ||
| Average total assets | $53,967,800 | 5,267 |
| Average earning assets | $51,750,200 | 5,214 |
| Average equity | $5,013,600 | 5,465 |
| Average total loans | $29,021,400 | 5,226 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6915% | 4,279 |
| Cost of funding earning assets | 0.2758% | 4,331 |
| Net interest margin | 3.4156% | 3,795 |
| Noninterest income to average assets | 0.4077% | 3,866 |
| Noninterest expense to average assets | 3.1109% | 2,002 |
| Loan and lease loss provision to assets | -0.1754% | 5,855 |
| Net operating income to assets | 0.6424% | 4,117 |
| Return on assets (ROA) | 0.6424% | 4,240 |
| Pretax return on assets | 0.7462% | 4,483 |
| Return on Equity (ROE) | 6.8840% | 3,622 |
| Retained earnings to average equity (ytd only) | 2.3035% | 4,542 |
| Net charge-offs to loans | -0.0231% | 5,059 |
| Credit loss provision to net charge-offs | 1,420.0000% | 315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4966% | 950 |
| Assets per employee ($millions) | 4.1856% | 3,622 |
| Cash dividends to net income (ytd only)* | 66.5378% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 4,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 50.7324% | 4,767 |
| Net loans and leases to deposits | 58.4678% | 4,851 |
| Net loans and leases to core deposits | 59.4820% | 4,964 |
| Total domestic deposits to total assets | 86.7697% | 1,996 |
| Equity capital to assets | 9.3617% | 4,803 |
| Core capital (leverage) ratio | 9.5079% | 4,170 |
| Tier 1 risk-based capital ratio | 13.1480% | 4,070 |
| Total risk-based capital ratio | 13.8908% | 4,290 |
| Memoranda: | ||
| Average total assets | $53,959,750 | 5,314 |
| Average earning assets | $51,721,750 | 5,264 |
| Average equity | $5,035,750 | 5,520 |
| Average total loans | $28,825,750 | 5,282 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6864% | 4,338 |
| Cost of funding earning assets | 0.2794% | 4,353 |
| Net interest margin | 3.4070% | 3,865 |
| Noninterest income to average assets | 0.3903% | 3,947 |
| Noninterest expense to average assets | 3.1482% | 1,932 |
| Loan and lease loss provision to assets | -0.2639% | 5,966 |
| Net operating income to assets | 0.6728% | 3,948 |
| Return on assets (ROA) | 0.6728% | 4,081 |
| Pretax return on assets | 0.7694% | 4,393 |
| Return on Equity (ROE) | 7.2164% | 3,412 |
| Retained earnings to average equity (ytd only) | 2.6314% | 4,224 |
| Net charge-offs to loans | -0.0618% | 5,451 |
| Credit loss provision to net charge-offs | 788.8889% | 458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1648% | 862 |
| Assets per employee ($millions) | 4.1365% | 3,673 |
| Cash dividends to net income (ytd only)* | 63.5359% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 4,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 50.4100% | 4,816 |
| Net loans and leases to deposits | 57.8304% | 4,911 |
| Net loans and leases to core deposits | 58.8409% | 5,033 |
| Total domestic deposits to total assets | 87.1688% | 1,827 |
| Equity capital to assets | 9.4468% | 4,821 |
| Core capital (leverage) ratio | 9.4216% | 4,307 |
| Tier 1 risk-based capital ratio | 13.7874% | 3,728 |
| Total risk-based capital ratio | 14.5804% | 3,914 |
| Memoranda: | ||
| Average total assets | $53,808,670 | 5,378 |
| Average earning assets | $51,540,670 | 5,323 |
| Average equity | $5,016,330 | 5,581 |
| Average total loans | $29,137,000 | 5,325 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 4,172 |
| Cost of funding earning assets | 0.3013% | 4,153 |
| Net interest margin | 3.4384% | 3,722 |
| Noninterest income to average assets | 0.3864% | 3,936 |
| Noninterest expense to average assets | 3.0617% | 2,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5945% | 4,202 |
| Return on assets (ROA) | 0.5945% | 4,314 |
| Pretax return on assets | 0.6317% | 4,724 |
| Return on Equity (ROE) | 6.4199% | 3,771 |
| Retained earnings to average equity (ytd only) | 1.7655% | 4,560 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8974% | 1,269 |
| Assets per employee ($millions) | 4.1522% | 3,671 |
| Cash dividends to net income (ytd only)* | 72.5000% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 3,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 52.9957% | 4,535 |
| Net loans and leases to deposits | 60.9209% | 4,652 |
| Net loans and leases to core deposits | 61.9821% | 4,820 |
| Total domestic deposits to total assets | 86.9910% | 2,216 |
| Equity capital to assets | 9.2834% | 4,903 |
| Core capital (leverage) ratio | 9.4945% | 4,205 |
| Tier 1 risk-based capital ratio | 13.0371% | 4,244 |
| Total risk-based capital ratio | 13.9548% | 4,367 |
| Memoranda: | ||
| Average total assets | $53,825,500 | 5,428 |
| Average earning assets | $51,768,500 | 5,368 |
| Average equity | $4,984,500 | 5,628 |
| Average total loans | $30,006,000 | 5,337 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7947% | 4,061 |
| Cost of funding earning assets | 0.3240% | 3,973 |
| Net interest margin | 3.4706% | 3,634 |
| Noninterest income to average assets | 0.3985% | 4,046 |
| Noninterest expense to average assets | 2.9693% | 2,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6249% | 4,162 |
| Return on assets (ROA) | 0.6249% | 4,252 |
| Pretax return on assets | 0.7559% | 4,347 |
| Return on Equity (ROE) | 6.3887% | 3,847 |
| Retained earnings to average equity (ytd only) | -7.8615% | 5,995 |
| Net charge-offs to loans | 0.0033% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 404.0000% | 160 |
| Efficiency ratio | 79.7087% | 1,715 |
| Assets per employee ($millions) | 4.1287% | 3,700 |
| Cash dividends to net income (ytd only)* | 223.0539% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 3,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 57.1982% | 4,172 |
| Net loans and leases to deposits | 66.3942% | 4,285 |
| Net loans and leases to core deposits | 68.7416% | 4,396 |
| Total domestic deposits to total assets | 86.1495% | 2,574 |
| Equity capital to assets | 9.2374% | 4,860 |
| Core capital (leverage) ratio | 9.6188% | 4,026 |
| Tier 1 risk-based capital ratio | 12.7145% | 4,499 |
| Total risk-based capital ratio | 13.6134% | 4,614 |
| Memoranda: | ||
| Average total assets | $53,447,000 | 5,474 |
| Average earning assets | $51,230,000 | 5,405 |
| Average equity | $5,228,000 | 5,596 |
| Average total loans | $30,763,000 | 5,332 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8258% | 4,012 |
| Cost of funding earning assets | 0.3312% | 3,975 |
| Net interest margin | 3.4946% | 3,557 |
| Noninterest income to average assets | 0.3996% | 4,090 |
| Noninterest expense to average assets | 2.9942% | 2,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6293% | 4,243 |
| Return on assets (ROA) | 0.6293% | 4,351 |
| Pretax return on assets | 0.7517% | 4,485 |
| Return on Equity (ROE) | 6.3448% | 3,986 |
| Retained earnings to average equity (ytd only) | -10.8770% | 6,138 |
| Net charge-offs to loans | 0.0043% | 4,027 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 301.7444% | 239 |
| Efficiency ratio | 79.9333% | 1,665 |
| Assets per employee ($millions) | 4.2723% | 3,377 |
| Cash dividends to net income (ytd only)* | 271.4307% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 3,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 56.0525% | 4,347 |
| Net loans and leases to deposits | 65.2861% | 4,446 |
| Net loans and leases to core deposits | 67.7121% | 4,567 |
| Total domestic deposits to total assets | 85.8567% | 2,612 |
| Equity capital to assets | 9.6668% | 4,553 |
| Core capital (leverage) ratio | 9.7365% | 3,988 |
| Tier 1 risk-based capital ratio | 13.1397% | 4,354 |
| Total risk-based capital ratio | 14.0724% | 4,452 |
| Memoranda: | ||
| Average total assets | $53,390,500 | 5,546 |
| Average earning assets | $51,125,000 | 5,482 |
| Average equity | $5,295,500 | 5,653 |
| Average total loans | $30,690,500 | 5,395 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8027% | 4,057 |
| Cost of funding earning assets | 0.3397% | 3,926 |
| Net interest margin | 3.4630% | 3,650 |
| Noninterest income to average assets | 0.3956% | 4,107 |
| Noninterest expense to average assets | 2.9724% | 2,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6359% | 4,191 |
| Return on assets (ROA) | 0.6359% | 4,301 |
| Pretax return on assets | 0.7394% | 4,525 |
| Return on Equity (ROE) | 6.3602% | 3,957 |
| Retained earnings to average equity (ytd only) | 2.1817% | 4,618 |
| Net charge-offs to loans | -0.0064% | 4,801 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0797% | 1,748 |
| Assets per employee ($millions) | 4.4531% | 3,058 |
| Cash dividends to net income (ytd only)* | 65.6977% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 4,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 57.2263% | 4,193 |
| Net loans and leases to deposits | 66.4306% | 4,297 |
| Net loans and leases to core deposits | 68.3382% | 4,465 |
| Total domestic deposits to total assets | 86.1444% | 2,612 |
| Equity capital to assets | 10.1578% | 3,855 |
| Core capital (leverage) ratio | 10.2176% | 3,313 |
| Tier 1 risk-based capital ratio | 14.0916% | 3,867 |
| Total risk-based capital ratio | 15.0070% | 4,000 |
| Memoranda: | ||
| Average total assets | $54,098,000 | 5,578 |
| Average earning assets | $51,805,330 | 5,524 |
| Average equity | $5,408,670 | 5,679 |
| Average total loans | $31,224,000 | 5,430 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7663% | 4,144 |
| Cost of funding earning assets | 0.3459% | 3,913 |
| Net interest margin | 3.4204% | 3,757 |
| Noninterest income to average assets | 0.3528% | 4,379 |
| Noninterest expense to average assets | 2.9323% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6320% | 4,136 |
| Return on assets (ROA) | 0.6320% | 4,254 |
| Pretax return on assets | 0.6908% | 4,620 |
| Return on Equity (ROE) | 6.3716% | 3,844 |
| Retained earnings to average equity (ytd only) | 2.2226% | 4,574 |
| Net charge-offs to loans | -0.0128% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9331% | 1,765 |
| Assets per employee ($millions) | 4.5585% | 2,958 |
| Cash dividends to net income (ytd only)* | 65.1163% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 4,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 55.5958% | 4,249 |
| Net loans and leases to deposits | 64.9066% | 4,280 |
| Net loans and leases to core deposits | 67.1613% | 4,411 |
| Total domestic deposits to total assets | 85.6550% | 3,114 |
| Equity capital to assets | 9.9082% | 4,260 |
| Core capital (leverage) ratio | 10.1692% | 3,379 |
| Tier 1 risk-based capital ratio | 13.4588% | 4,344 |
| Total risk-based capital ratio | 14.3381% | 4,481 |
| Memoranda: | ||
| Average total assets | $54,428,500 | 5,630 |
| Average earning assets | $52,040,000 | 5,560 |
| Average equity | $5,399,000 | 5,734 |
| Average total loans | $31,368,500 | 5,460 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 3,986 |
| Cost of funding earning assets | 0.4291% | 3,390 |
| Net interest margin | 3.5080% | 3,759 |
| Noninterest income to average assets | 0.4610% | 3,773 |
| Noninterest expense to average assets | 2.9910% | 2,870 |
| Loan and lease loss provision to assets | -0.1719% | 6,255 |
| Net operating income to assets | 0.7558% | 3,596 |
| Return on assets (ROA) | 0.7558% | 3,703 |
| Pretax return on assets | 0.9939% | 3,520 |
| Return on Equity (ROE) | 8.0138% | 3,129 |
| Retained earnings to average equity (ytd only) | 5.3292% | 2,389 |
| Net charge-offs to loans | 0.0119% | 4,659 |
| Credit loss provision to net charge-offs | -2,275.0000% | 5,991 |
| Earnings coverage of net charge-offs (x) | 108.7500% | 484 |
| Efficiency ratio | 78.4440% | 2,144 |
| Assets per employee ($millions) | 4.5129% | 3,012 |
| Cash dividends to net income (ytd only)* | 33.5000% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 4,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 58.3806% | 4,007 |
| Net loans and leases to deposits | 67.8659% | 4,141 |
| Net loans and leases to core deposits | 70.2312% | 4,308 |
| Total domestic deposits to total assets | 86.0235% | 2,826 |
| Equity capital to assets | 9.9308% | 4,202 |
| Core capital (leverage) ratio | 10.2323% | 3,270 |
| Tier 1 risk-based capital ratio | 13.7654% | 4,258 |
| Total risk-based capital ratio | 14.6670% | 4,400 |
| Memoranda: | ||
| Average total assets | $52,924,800 | 5,720 |
| Average earning assets | $50,570,600 | 5,659 |
| Average equity | $4,991,400 | 5,852 |
| Average total loans | $33,621,200 | 5,413 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9361% | 4,028 |
| Cost of funding earning assets | 0.4350% | 3,417 |
| Net interest margin | 3.5012% | 3,826 |
| Noninterest income to average assets | 0.4891% | 3,623 |
| Noninterest expense to average assets | 3.0154% | 2,752 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6538% | 4,199 |
| Return on assets (ROA) | 0.6538% | 4,294 |
| Pretax return on assets | 0.8185% | 4,296 |
| Return on Equity (ROE) | 7.0277% | 3,701 |
| Retained earnings to average equity (ytd only) | 4.2766% | 3,607 |
| Net charge-offs to loans | 0.0196% | 4,139 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 64.5667% | 819 |
| Efficiency ratio | 78.6517% | 2,094 |
| Assets per employee ($millions) | 4.4017% | 3,130 |
| Cash dividends to net income (ytd only)* | 39.1465% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 3,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 63.2469% | 3,300 |
| Net loans and leases to deposits | 74.0765% | 3,425 |
| Net loans and leases to core deposits | 76.7448% | 3,664 |
| Total domestic deposits to total assets | 85.3805% | 3,172 |
| Equity capital to assets | 9.9053% | 4,295 |
| Core capital (leverage) ratio | 10.0520% | 3,599 |
| Tier 1 risk-based capital ratio | 13.1669% | 4,753 |
| Total risk-based capital ratio | 14.2708% | 4,777 |
| Memoranda: | ||
| Average total assets | $52,617,250 | 5,792 |
| Average earning assets | $50,268,000 | 5,726 |
| Average equity | $4,894,750 | 5,942 |
| Average total loans | $34,034,000 | 5,452 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9274% | 4,029 |
| Cost of funding earning assets | 0.4315% | 3,532 |
| Net interest margin | 3.4959% | 3,804 |
| Noninterest income to average assets | 0.5176% | 3,357 |
| Noninterest expense to average assets | 3.0333% | 2,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6927% | 3,882 |
| Return on assets (ROA) | 0.6927% | 3,973 |
| Pretax return on assets | 0.8145% | 4,214 |
| Return on Equity (ROE) | 7.6114% | 3,313 |
| Retained earnings to average equity (ytd only) | 4.8094% | 3,083 |
| Net charge-offs to loans | 0.0176% | 3,871 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 71.3333% | 726 |
| Efficiency ratio | 78.8328% | 2,189 |
| Assets per employee ($millions) | 4.3446% | 3,185 |
| Cash dividends to net income (ytd only)* | 36.8132% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 3,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 4,906 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 64.8010% | 2,945 |
| Net loans and leases to deposits | 76.5504% | 2,982 |
| Net loans and leases to core deposits | 79.3629% | 3,277 |
| Total domestic deposits to total assets | 84.6514% | 3,657 |
| Equity capital to assets | 9.3526% | 4,917 |
| Core capital (leverage) ratio | 9.5122% | 4,315 |
| Tier 1 risk-based capital ratio | 12.4074% | 5,293 |
| Total risk-based capital ratio | 13.5274% | 5,292 |
| Memoranda: | ||
| Average total assets | $52,549,670 | 5,845 |
| Average earning assets | $50,058,330 | 5,787 |
| Average equity | $4,782,330 | 6,015 |
| Average total loans | $34,095,000 | 5,485 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8314% | 4,352 |
| Cost of funding earning assets | 0.4381% | 3,557 |
| Net interest margin | 3.3933% | 4,148 |
| Noninterest income to average assets | 0.5232% | 3,247 |
| Noninterest expense to average assets | 2.9873% | 2,905 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6748% | 3,819 |
| Return on assets (ROA) | 0.6748% | 3,901 |
| Pretax return on assets | 0.7658% | 4,246 |
| Return on Equity (ROE) | 7.5177% | 3,189 |
| Retained earnings to average equity (ytd only) | 4.6458% | 3,329 |
| Net charge-offs to loans | 0.0118% | 3,380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 101.0000% | 453 |
| Efficiency ratio | 79.5960% | 2,260 |
| Assets per employee ($millions) | 4.4397% | 3,073 |
| Cash dividends to net income (ytd only)* | 38.2022% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 4,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 5,065 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 63.1710% | 3,040 |
| Net loans and leases to deposits | 72.2598% | 3,302 |
| Net loans and leases to core deposits | 74.7690% | 3,562 |
| Total domestic deposits to total assets | 87.4221% | 2,549 |
| Equity capital to assets | 8.9665% | 5,152 |
| Core capital (leverage) ratio | 9.5443% | 4,221 |
| Tier 1 risk-based capital ratio | 12.2910% | 5,447 |
| Total risk-based capital ratio | 13.4193% | 5,455 |
| Memoranda: | ||
| Average total assets | $52,757,000 | 5,891 |
| Average earning assets | $50,216,000 | 5,834 |
| Average equity | $4,735,500 | 6,067 |
| Average total loans | $34,027,500 | 5,541 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2231% | 3,257 |
| Cost of funding earning assets | 0.5217% | 3,381 |
| Net interest margin | 3.7015% | 3,049 |
| Noninterest income to average assets | 0.3509% | 4,804 |
| Noninterest expense to average assets | 3.1621% | 2,540 |
| Loan and lease loss provision to assets | -0.5881% | 6,762 |
| Net operating income to assets | 0.9077% | 2,737 |
| Return on assets (ROA) | 0.9077% | 2,825 |
| Pretax return on assets | 1.2684% | 2,277 |
| Return on Equity (ROE) | 9.9948% | 2,118 |
| Retained earnings to average equity (ytd only) | 7.4260% | 1,263 |
| Net charge-offs to loans | -0.5104% | 6,724 |
| Credit loss provision to net charge-offs | 189.8734% | 1,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2959% | 1,838 |
| Assets per employee ($millions) | 4.3532% | 3,170 |
| Cash dividends to net income (ytd only)* | 25.7019% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 4,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 5,127 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 64.1353% | 3,021 |
| Net loans and leases to deposits | 73.9679% | 3,260 |
| Net loans and leases to core deposits | 75.7404% | 3,635 |
| Total domestic deposits to total assets | 86.7070% | 2,874 |
| Equity capital to assets | 8.9858% | 5,051 |
| Core capital (leverage) ratio | 9.3815% | 4,433 |
| Tier 1 risk-based capital ratio | 12.1933% | 5,497 |
| Total risk-based capital ratio | 13.3279% | 5,507 |
| Memoranda: | ||
| Average total assets | $51,010,800 | 5,992 |
| Average earning assets | $48,116,200 | 5,935 |
| Average equity | $4,632,400 | 6,162 |
| Average total loans | $30,957,400 | 5,712 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2651% | 3,142 |
| Cost of funding earning assets | 0.5422% | 3,342 |
| Net interest margin | 3.7229% | 2,945 |
| Noninterest income to average assets | 0.4234% | 4,343 |
| Noninterest expense to average assets | 3.1529% | 2,495 |
| Loan and lease loss provision to assets | -0.7889% | 6,861 |
| Net operating income to assets | 1.1044% | 1,990 |
| Return on assets (ROA) | 1.1044% | 2,065 |
| Pretax return on assets | 1.5620% | 1,439 |
| Return on Equity (ROE) | 12.1289% | 1,438 |
| Retained earnings to average equity (ytd only) | 10.5404% | 678 |
| Net charge-offs to loans | -0.6709% | 6,805 |
| Credit loss provision to net charge-offs | 197.3684% | 1,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3081% | 2,052 |
| Assets per employee ($millions) | 4.3126% | 3,201 |
| Cash dividends to net income (ytd only)* | 13.0949% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 3,918 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 5,010 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 60.5148% | 3,616 |
| Net loans and leases to deposits | 69.7235% | 3,825 |
| Net loans and leases to core deposits | 71.4071% | 4,162 |
| Total domestic deposits to total assets | 86.7925% | 2,808 |
| Equity capital to assets | 9.1554% | 4,988 |
| Core capital (leverage) ratio | 9.3118% | 4,677 |
| Tier 1 risk-based capital ratio | 12.7859% | 5,265 |
| Total risk-based capital ratio | 13.9545% | 5,268 |
| Memoranda: | ||
| Average total assets | $50,704,000 | 6,068 |
| Average earning assets | $47,704,000 | 6,015 |
| Average equity | $4,617,000 | 6,243 |
| Average total loans | $30,208,750 | 5,804 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3948% | 2,582 |
| Cost of funding earning assets | 0.5600% | 3,315 |
| Net interest margin | 3.8349% | 2,425 |
| Noninterest income to average assets | 0.4568% | 4,116 |
| Noninterest expense to average assets | 3.0901% | 2,691 |
| Loan and lease loss provision to assets | -1.1915% | 6,922 |
| Net operating income to assets | 1.4974% | 905 |
| Return on assets (ROA) | 1.4974% | 974 |
| Pretax return on assets | 2.1487% | 456 |
| Return on Equity (ROE) | 16.4749% | 605 |
| Retained earnings to average equity (ytd only) | 14.8580% | 242 |
| Net charge-offs to loans | -1.0104% | 6,868 |
| Credit loss provision to net charge-offs | 200.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3494% | 2,734 |
| Assets per employee ($millions) | 4.3326% | 3,121 |
| Cash dividends to net income (ytd only)* | 9.8143% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 3,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8790% | 4,042 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 56.2078% | 4,245 |
| Net loans and leases to deposits | 65.4916% | 4,321 |
| Net loans and leases to core deposits | 67.0775% | 4,585 |
| Total domestic deposits to total assets | 85.8245% | 3,461 |
| Equity capital to assets | 9.1227% | 5,073 |
| Core capital (leverage) ratio | 9.5234% | 4,209 |
| Tier 1 risk-based capital ratio | 12.9826% | 5,155 |
| Total risk-based capital ratio | 14.1699% | 5,144 |
| Memoranda: | ||
| Average total assets | $50,355,000 | 6,121 |
| Average earning assets | $47,146,330 | 6,068 |
| Average equity | $4,576,670 | 6,312 |
| Average total loans | $29,691,670 | 5,858 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9430% | 4,316 |
| Cost of funding earning assets | 0.5707% | 3,377 |
| Net interest margin | 3.3723% | 4,224 |
| Noninterest income to average assets | 0.4441% | 4,145 |
| Noninterest expense to average assets | 3.0765% | 2,745 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4683% | 4,829 |
| Return on assets (ROA) | 0.4683% | 4,993 |
| Pretax return on assets | 0.5168% | 5,205 |
| Return on Equity (ROE) | 5.1630% | 4,486 |
| Retained earnings to average equity (ytd only) | 3.5607% | 4,102 |
| Net charge-offs to loans | -0.0404% | 6,035 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6180% | 1,562 |
| Assets per employee ($millions) | 4.1767% | 3,581 |
| Cash dividends to net income (ytd only)* | 31.0345% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0135% | 2,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9118% | 4,115 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 57.6756% | 3,819 |
| Net loans and leases to deposits | 66.2063% | 4,025 |
| Net loans and leases to core deposits | 67.8425% | 4,322 |
| Total domestic deposits to total assets | 87.1149% | 2,897 |
| Equity capital to assets | 8.9864% | 5,501 |
| Core capital (leverage) ratio | 8.9514% | 4,966 |
| Tier 1 risk-based capital ratio | 11.7978% | 6,029 |
| Total risk-based capital ratio | 13.0527% | 6,003 |
| Memoranda: | ||
| Average total assets | $49,537,000 | 6,194 |
| Average earning assets | $46,259,000 | 6,151 |
| Average equity | $4,493,500 | 6,392 |
| Average total loans | $29,705,500 | 5,907 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 3,932 |
| Cost of funding earning assets | 0.6499% | 3,914 |
| Net interest margin | 3.7229% | 3,552 |
| Noninterest income to average assets | 0.4263% | 4,411 |
| Noninterest expense to average assets | 3.2967% | 2,347 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4515% | 4,881 |
| Return on assets (ROA) | 0.4515% | 5,123 |
| Pretax return on assets | 0.5817% | 5,046 |
| Return on Equity (ROE) | 4.8799% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.1082% | 3,328 |
| Net charge-offs to loans | -0.1180% | 6,860 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0027% | 1,514 |
| Assets per employee ($millions) | 4.0795% | 3,791 |
| Cash dividends to net income (ytd only)* | 15.8140% | 3,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9759% | 2,085 |
| Loan loss allowance to noncurrent loans | 562.8571% | 742 |
| Noncurrent assets plus other real estate owned to assets | 1.4340% | 3,245 |
| Noncurrent loans to loans | 0.3511% | 5,607 |
| Net loans and leases to total assets | 59.8909% | 3,621 |
| Net loans and leases to deposits | 69.0558% | 3,827 |
| Net loans and leases to core deposits | 70.8103% | 4,190 |
| Total domestic deposits to total assets | 86.7284% | 2,974 |
| Equity capital to assets | 9.1576% | 5,329 |
| Core capital (leverage) ratio | 9.0109% | 4,879 |
| Tier 1 risk-based capital ratio | 12.1155% | 5,707 |
| Total risk-based capital ratio | 13.3717% | 5,668 |
| Memoranda: | ||
| Average total assets | $47,623,000 | 6,275 |
| Average earning assets | $44,159,600 | 6,232 |
| Average equity | $4,405,800 | 6,462 |
| Average total loans | $30,521,200 | 5,926 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 4,001 |
| Cost of funding earning assets | 0.6627% | 4,079 |
| Net interest margin | 3.7482% | 3,566 |
| Noninterest income to average assets | 0.5329% | 3,727 |
| Noninterest expense to average assets | 3.2536% | 2,411 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5667% | 4,537 |
| Return on assets (ROA) | 0.5667% | 4,809 |
| Pretax return on assets | 0.7556% | 4,656 |
| Return on Equity (ROE) | 6.1094% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.3799% | 3,108 |
| Net charge-offs to loans | -0.1521% | 6,941 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1533% | 1,910 |
| Assets per employee ($millions) | 3.9032% | 4,080 |
| Cash dividends to net income (ytd only)* | 11.9407% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9391% | 2,360 |
| Loan loss allowance to noncurrent loans | 526.7857% | 732 |
| Noncurrent assets plus other real estate owned to assets | 1.6141% | 3,172 |
| Noncurrent loans to loans | 0.3681% | 5,745 |
| Net loans and leases to total assets | 63.7004% | 3,076 |
| Net loans and leases to deposits | 72.8276% | 3,471 |
| Net loans and leases to core deposits | 73.8149% | 3,997 |
| Total domestic deposits to total assets | 87.4674% | 2,369 |
| Equity capital to assets | 9.5563% | 5,134 |
| Core capital (leverage) ratio | 9.2782% | 4,625 |
| Tier 1 risk-based capital ratio | 12.1384% | 5,860 |
| Total risk-based capital ratio | 13.3919% | 5,833 |
| Memoranda: | ||
| Average total assets | $47,290,250 | 6,359 |
| Average earning assets | $43,860,250 | 6,315 |
| Average equity | $4,386,500 | 6,542 |
| Average total loans | $30,674,000 | 5,992 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3789% | 4,264 |
| Cost of funding earning assets | 0.6782% | 4,195 |
| Net interest margin | 3.7007% | 3,816 |
| Noninterest income to average assets | 0.3794% | 4,802 |
| Noninterest expense to average assets | 3.1492% | 2,749 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5228% | 4,708 |
| Return on assets (ROA) | 0.5228% | 4,982 |
| Pretax return on assets | 0.6577% | 4,952 |
| Return on Equity (ROE) | 5.6924% | 4,481 |
| Retained earnings to average equity (ytd only) | 4.9579% | 3,299 |
| Net charge-offs to loans | -0.2276% | 7,025 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7243% | 1,784 |
| Assets per employee ($millions) | 3.9469% | 3,984 |
| Cash dividends to net income (ytd only)* | 12.9032% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9151% | 2,505 |
| Loan loss allowance to noncurrent loans | 517.5439% | 700 |
| Noncurrent assets plus other real estate owned to assets | 1.7440% | 3,114 |
| Noncurrent loans to loans | 0.3700% | 5,799 |
| Net loans and leases to total assets | 63.8009% | 3,081 |
| Net loans and leases to deposits | 72.8583% | 3,477 |
| Net loans and leases to core deposits | 74.2840% | 3,985 |
| Total domestic deposits to total assets | 87.5684% | 2,421 |
| Equity capital to assets | 9.3174% | 5,296 |
| Core capital (leverage) ratio | 9.0014% | 4,917 |
| Tier 1 risk-based capital ratio | 11.9124% | 5,984 |
| Total risk-based capital ratio | 13.1681% | 5,950 |
| Memoranda: | ||
| Average total assets | $47,441,000 | 6,398 |
| Average earning assets | $43,938,000 | 6,350 |
| Average equity | $4,356,670 | 6,583 |
| Average total loans | $30,756,670 | 6,024 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3866% | 4,382 |
| Cost of funding earning assets | 0.6902% | 4,363 |
| Net interest margin | 3.6963% | 3,850 |
| Noninterest income to average assets | 0.4634% | 4,199 |
| Noninterest expense to average assets | 3.1340% | 2,808 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6487% | 4,124 |
| Return on assets (ROA) | 0.6487% | 4,340 |
| Pretax return on assets | 0.7582% | 4,575 |
| Return on Equity (ROE) | 7.1156% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.3763% | 2,754 |
| Net charge-offs to loans | -0.4686% | 7,139 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5195% | 2,140 |
| Assets per employee ($millions) | 4.0149% | 3,972 |
| Cash dividends to net income (ytd only)* | 10.3896% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8940% | 2,691 |
| Loan loss allowance to noncurrent loans | 444.3609% | 759 |
| Noncurrent assets plus other real estate owned to assets | 1.7954% | 3,179 |
| Noncurrent loans to loans | 0.4262% | 5,816 |
| Net loans and leases to total assets | 63.5401% | 2,941 |
| Net loans and leases to deposits | 72.6304% | 3,337 |
| Net loans and leases to core deposits | 74.0285% | 3,899 |
| Total domestic deposits to total assets | 87.4842% | 2,664 |
| Equity capital to assets | 9.0434% | 5,431 |
| Core capital (leverage) ratio | 8.9597% | 4,902 |
| Tier 1 risk-based capital ratio | 11.9185% | 6,016 |
| Total risk-based capital ratio | 13.1725% | 6,011 |
| Memoranda: | ||
| Average total assets | $47,480,000 | 6,450 |
| Average earning assets | $44,043,500 | 6,397 |
| Average equity | $4,328,500 | 6,628 |
| Average total loans | $30,731,000 | 6,071 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5075% | 5,044 |
| Cost of funding earning assets | 0.8043% | 4,837 |
| Net interest margin | 3.7032% | 4,284 |
| Noninterest income to average assets | 0.3587% | 4,946 |
| Noninterest expense to average assets | 3.3467% | 2,365 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3265% | 5,164 |
| Return on assets (ROA) | 0.3265% | 5,314 |
| Pretax return on assets | 0.4339% | 5,191 |
| Return on Equity (ROE) | 3.5842% | 5,035 |
| Retained earnings to average equity (ytd only) | 3.5842% | 3,677 |
| Net charge-offs to loans | -0.4795% | 7,275 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5227% | 1,317 |
| Assets per employee ($millions) | 3.5985% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8342% | 2,761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6759% | 3,440 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 63.4937% | 3,293 |
| Net loans and leases to deposits | 72.3563% | 3,751 |
| Net loans and leases to core deposits | 74.2464% | 4,204 |
| Total domestic deposits to total assets | 87.7514% | 2,309 |
| Equity capital to assets | 9.1918% | 5,302 |
| Core capital (leverage) ratio | 8.8340% | 5,051 |
| Tier 1 risk-based capital ratio | 11.7990% | 5,959 |
| Total risk-based capital ratio | 13.0516% | 5,938 |
| Memoranda: | ||
| Average total assets | $46,554,000 | 6,466 |
| Average earning assets | $43,017,000 | 6,418 |
| Average equity | $4,240,800 | 6,681 |
| Average total loans | $28,778,200 | 6,212 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4856% | 5,291 |
| Cost of funding earning assets | 0.8246% | 4,979 |
| Net interest margin | 3.6610% | 4,522 |
| Noninterest income to average assets | 0.4703% | 4,127 |
| Noninterest expense to average assets | 3.2632% | 2,624 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4359% | 4,834 |
| Return on assets (ROA) | 0.4359% | 5,030 |
| Pretax return on assets | 0.5936% | 4,831 |
| Return on Equity (ROE) | 4.7956% | 4,616 |
| Retained earnings to average equity (ytd only) | 4.7956% | 3,317 |
| Net charge-offs to loans | -0.6524% | 7,360 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6097% | 1,675 |
| Assets per employee ($millions) | 3.5592% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9061% | 2,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8155% | 3,373 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 61.8427% | 3,764 |
| Net loans and leases to deposits | 72.0756% | 3,979 |
| Net loans and leases to core deposits | 73.0788% | 4,576 |
| Total domestic deposits to total assets | 85.8026% | 3,325 |
| Equity capital to assets | 9.2956% | 5,390 |
| Core capital (leverage) ratio | 8.8955% | 5,112 |
| Tier 1 risk-based capital ratio | 12.2484% | 5,706 |
| Total risk-based capital ratio | 13.5039% | 5,686 |
| Memoranda: | ||
| Average total assets | $46,497,250 | 6,526 |
| Average earning assets | $43,010,750 | 6,483 |
| Average equity | $4,226,000 | 6,731 |
| Average total loans | $28,408,250 | 6,285 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 5,593 |
| Cost of funding earning assets | 0.8646% | 4,952 |
| Net interest margin | 3.5653% | 4,857 |
| Noninterest income to average assets | 0.4337% | 4,402 |
| Noninterest expense to average assets | 3.1692% | 3,007 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4423% | 4,758 |
| Return on assets (ROA) | 0.4423% | 4,895 |
| Pretax return on assets | 0.5583% | 4,886 |
| Return on Equity (ROE) | 4.9036% | 4,498 |
| Retained earnings to average equity (ytd only) | 4.9036% | 3,058 |
| Net charge-offs to loans | -0.8595% | 7,434 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0230% | 1,702 |
| Assets per employee ($millions) | 3.6206% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9216% | 2,603 |
| Loan loss allowance to noncurrent loans | 401.4925% | 804 |
| Noncurrent assets plus other real estate owned to assets | 2.0693% | 3,154 |
| Noncurrent loans to loans | 0.4786% | 5,950 |
| Net loans and leases to total assets | 58.3390% | 4,567 |
| Net loans and leases to deposits | 67.9544% | 4,714 |
| Net loans and leases to core deposits | 68.4490% | 5,246 |
| Total domestic deposits to total assets | 85.8503% | 3,410 |
| Equity capital to assets | 9.0337% | 5,533 |
| Core capital (leverage) ratio | 8.7743% | 5,085 |
| Tier 1 risk-based capital ratio | 12.0201% | 5,775 |
| Total risk-based capital ratio | 13.2753% | 5,732 |
| Memoranda: | ||
| Average total assets | $46,573,330 | 6,579 |
| Average earning assets | $43,026,330 | 6,541 |
| Average equity | $4,201,000 | 6,783 |
| Average total loans | $28,154,330 | 6,360 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4056% | 5,674 |
| Cost of funding earning assets | 0.9467% | 4,594 |
| Net interest margin | 3.4589% | 5,183 |
| Noninterest income to average assets | 0.3886% | 4,799 |
| Noninterest expense to average assets | 3.0998% | 3,246 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4576% | 4,674 |
| Return on assets (ROA) | 0.4576% | 4,763 |
| Pretax return on assets | 0.4749% | 5,100 |
| Return on Equity (ROE) | 5.0772% | 4,364 |
| Retained earnings to average equity (ytd only) | 5.0772% | 3,138 |
| Net charge-offs to loans | -0.6092% | 7,435 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7150% | 1,639 |
| Assets per employee ($millions) | 3.5782% | 4,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6365% | 3,583 |
| Loan loss allowance to noncurrent loans | 306.6667% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 1.9434% | 3,377 |
| Noncurrent loans to loans | 0.5337% | 5,960 |
| Net loans and leases to total assets | 59.4363% | 4,377 |
| Net loans and leases to deposits | 70.3583% | 4,293 |
| Net loans and leases to core deposits | 70.8723% | 4,941 |
| Total domestic deposits to total assets | 84.4766% | 4,283 |
| Equity capital to assets | 9.0333% | 5,150 |
| Core capital (leverage) ratio | 8.5609% | 5,331 |
| Tier 1 risk-based capital ratio | 11.3360% | 6,223 |
| Total risk-based capital ratio | 12.5854% | 6,209 |
| Memoranda: | ||
| Average total assets | $46,326,000 | 6,630 |
| Average earning assets | $42,673,000 | 6,603 |
| Average equity | $4,175,500 | 6,816 |
| Average total loans | $28,233,000 | 6,405 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9430% | 7,168 |
| Cost of funding earning assets | 1.2110% | 4,488 |
| Net interest margin | 2.7320% | 7,101 |
| Noninterest income to average assets | 0.4617% | 4,430 |
| Noninterest expense to average assets | 3.9703% | 1,206 |
| Loan and lease loss provision to assets | 1.0670% | 1,504 |
| Net operating income to assets | -1.4260% | 6,888 |
| Return on assets (ROA) | -1.4260% | 6,905 |
| Pretax return on assets | -2.0621% | 7,045 |
| Return on Equity (ROE) | -15.5495% | 6,939 |
| Retained earnings to average equity (ytd only) | -15.5495% | 6,901 |
| Net charge-offs to loans | 2.8087% | 624 |
| Credit loss provision to net charge-offs | 67.5325% | 5,919 |
| Earnings coverage of net charge-offs (x) | -0.6299% | 6,510 |
| Efficiency ratio | 126.7586% | 345 |
| Assets per employee ($millions) | 3.5488% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 4,178 |
| Loan loss allowance to noncurrent loans | 252.7273% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 1.9920% | 3,356 |
| Noncurrent loans to loans | 0.5818% | 5,886 |
| Net loans and leases to total assets | 60.5636% | 4,572 |
| Net loans and leases to deposits | 69.7096% | 4,850 |
| Net loans and leases to core deposits | 70.7457% | 5,365 |
| Total domestic deposits to total assets | 86.8798% | 2,892 |
| Equity capital to assets | 8.9932% | 5,148 |
| Core capital (leverage) ratio | 8.3229% | 5,654 |
| Tier 1 risk-based capital ratio | 11.5019% | 5,910 |
| Total risk-based capital ratio | 12.7438% | 5,914 |
| Memoranda: | ||
| Average total assets | $48,736,400 | 6,586 |
| Average earning assets | $44,838,800 | 6,543 |
| Average equity | $4,469,600 | 6,826 |
| Average total loans | $27,415,000 | 6,533 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8151% | 7,394 |
| Cost of funding earning assets | 1.2385% | 4,636 |
| Net interest margin | 2.5766% | 7,330 |
| Noninterest income to average assets | 0.4535% | 4,529 |
| Noninterest expense to average assets | 3.6878% | 1,592 |
| Loan and lease loss provision to assets | 1.3229% | 1,046 |
| Net operating income to assets | -1.4173% | 7,080 |
| Return on assets (ROA) | -1.4173% | 7,104 |
| Pretax return on assets | -2.1814% | 7,242 |
| Return on Equity (ROE) | -15.3850% | 7,120 |
| Retained earnings to average equity (ytd only) | -15.3850% | 7,094 |
| Net charge-offs to loans | 2.8256% | 572 |
| Credit loss provision to net charge-offs | 85.0694% | 4,963 |
| Earnings coverage of net charge-offs (x) | -0.5521% | 6,342 |
| Efficiency ratio | 121.0878% | 381 |
| Assets per employee ($millions) | 3.5812% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1873% | 1,832 |
| Loan loss allowance to noncurrent loans | 219.2453% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 2.2446% | 3,143 |
| Noncurrent loans to loans | 0.9977% | 5,241 |
| Net loans and leases to total assets | 55.8059% | 5,571 |
| Net loans and leases to deposits | 64.1760% | 5,894 |
| Net loans and leases to core deposits | 65.1153% | 6,197 |
| Total domestic deposits to total assets | 86.9576% | 2,555 |
| Equity capital to assets | 9.2770% | 5,179 |
| Core capital (leverage) ratio | 8.4472% | 5,609 |
| Tier 1 risk-based capital ratio | 12.3836% | 5,089 |
| Total risk-based capital ratio | 13.6414% | 5,054 |
| Memoranda: | ||
| Average total assets | $49,386,750 | 6,645 |
| Average earning assets | $45,536,750 | 6,605 |
| Average equity | $4,549,750 | 6,890 |
| Average total loans | $27,179,250 | 6,633 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 7,496 |
| Cost of funding earning assets | 1.2658% | 4,738 |
| Net interest margin | 2.5144% | 7,410 |
| Noninterest income to average assets | 0.4967% | 4,142 |
| Noninterest expense to average assets | 3.1114% | 3,260 |
| Loan and lease loss provision to assets | 1.8279% | 680 |
| Net operating income to assets | -1.3829% | 7,116 |
| Return on assets (ROA) | -1.3829% | 7,125 |
| Pretax return on assets | -2.1299% | 7,273 |
| Return on Equity (ROE) | -15.0432% | 7,145 |
| Retained earnings to average equity (ytd only) | -15.0432% | 7,104 |
| Net charge-offs to loans | 4.1921% | 296 |
| Credit loss provision to net charge-offs | 80.1394% | 4,700 |
| Earnings coverage of net charge-offs (x) | -0.1324% | 5,829 |
| Efficiency ratio | 110.7496% | 533 |
| Assets per employee ($millions) | 3.7696% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0526% | 2,067 |
| Loan loss allowance to noncurrent loans | 208.6792% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 2.7242% | 2,653 |
| Noncurrent loans to loans | 0.9836% | 5,338 |
| Net loans and leases to total assets | 53.8496% | 6,009 |
| Net loans and leases to deposits | 63.0788% | 6,129 |
| Net loans and leases to core deposits | 63.9718% | 6,403 |
| Total domestic deposits to total assets | 85.3688% | 3,433 |
| Equity capital to assets | 9.1746% | 5,179 |
| Core capital (leverage) ratio | 9.0558% | 4,514 |
| Tier 1 risk-based capital ratio | 13.0799% | 4,372 |
| Total risk-based capital ratio | 14.3360% | 4,325 |
| Memoranda: | ||
| Average total assets | $50,330,330 | 6,636 |
| Average earning assets | $46,293,330 | 6,622 |
| Average equity | $4,626,670 | 6,896 |
| Average total loans | $27,385,000 | 6,669 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7553% | 7,608 |
| Cost of funding earning assets | 1.3088% | 4,767 |
| Net interest margin | 2.4465% | 7,509 |
| Noninterest income to average assets | 0.4550% | 4,424 |
| Noninterest expense to average assets | 2.9965% | 3,689 |
| Loan and lease loss provision to assets | 3.3730% | 276 |
| Net operating income to assets | -2.3846% | 7,533 |
| Return on assets (ROA) | -2.3846% | 7,540 |
| Pretax return on assets | -3.6711% | 7,658 |
| Return on Equity (ROE) | -25.9165% | 7,515 |
| Retained earnings to average equity (ytd only) | -25.9165% | 7,477 |
| Net charge-offs to loans | 8.3024% | 87 |
| Credit loss provision to net charge-offs | 75.0436% | 3,993 |
| Earnings coverage of net charge-offs (x) | -0.0663% | 5,077 |
| Efficiency ratio | 111.0465% | 579 |
| Assets per employee ($millions) | 3.5135% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9480% | 2,318 |
| Loan loss allowance to noncurrent loans | 196.9925% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 2.7161% | 2,677 |
| Noncurrent loans to loans | 0.9889% | 5,345 |
| Net loans and leases to total assets | 53.6197% | 6,075 |
| Net loans and leases to deposits | 61.4487% | 6,329 |
| Net loans and leases to core deposits | 62.2919% | 6,574 |
| Total domestic deposits to total assets | 87.2593% | 2,493 |
| Equity capital to assets | 9.2297% | 4,951 |
| Core capital (leverage) ratio | 8.9301% | 4,679 |
| Tier 1 risk-based capital ratio | 13.1875% | 4,216 |
| Total risk-based capital ratio | 14.4401% | 4,172 |
| Memoranda: | ||
| Average total assets | $50,993,000 | 6,701 |
| Average earning assets | $46,760,000 | 6,672 |
| Average equity | $4,692,000 | 6,949 |
| Average total loans | $27,606,500 | 6,743 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1173% | 7,644 |
| Cost of funding earning assets | 2.1651% | 2,166 |
| Net interest margin | 1.9522% | 7,762 |
| Noninterest income to average assets | 0.4673% | 4,671 |
| Noninterest expense to average assets | 3.5830% | 2,189 |
| Loan and lease loss provision to assets | 0.8074% | 2,712 |
| Net operating income to assets | -1.3773% | 6,804 |
| Return on assets (ROA) | -1.3773% | 6,808 |
| Pretax return on assets | -2.0936% | 6,975 |
| Return on Equity (ROE) | -15.0409% | 6,939 |
| Retained earnings to average equity (ytd only) | -15.0409% | 6,890 |
| Net charge-offs to loans | 1.6514% | 1,533 |
| Credit loss provision to net charge-offs | 84.3254% | 6,176 |
| Earnings coverage of net charge-offs (x) | -1.3433% | 6,932 |
| Efficiency ratio | 155.9967% | 277 |
| Assets per employee ($millions) | 3.7712% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3557% | 1,404 |
| Loan loss allowance to noncurrent loans | 80.2647% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 3.6271% | 1,837 |
| Noncurrent loans to loans | 2.9349% | 2,626 |
| Net loans and leases to total assets | 52.3647% | 6,382 |
| Net loans and leases to deposits | 61.1429% | 6,544 |
| Net loans and leases to core deposits | 78.5940% | 6,212 |
| Total domestic deposits to total assets | 85.6431% | 3,202 |
| Equity capital to assets | 9.1748% | 4,881 |
| Core capital (leverage) ratio | 9.1064% | 4,260 |
| Tier 1 risk-based capital ratio | 13.1503% | 4,043 |
| Total risk-based capital ratio | 14.4080% | 3,992 |
| Memoranda: | ||
| Average total assets | $52,637,800 | 6,610 |
| Average earning assets | $49,328,000 | 6,554 |
| Average equity | $4,820,200 | 7,014 |
| Average total loans | $30,519,400 | 6,598 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1741% | 7,734 |
| Cost of funding earning assets | 2.2174% | 2,321 |
| Net interest margin | 1.9567% | 7,834 |
| Noninterest income to average assets | 0.4892% | 4,588 |
| Noninterest expense to average assets | 3.3258% | 2,822 |
| Loan and lease loss provision to assets | 1.0013% | 1,919 |
| Net operating income to assets | -1.3993% | 7,065 |
| Return on assets (ROA) | -1.3993% | 7,058 |
| Pretax return on assets | -1.9924% | 7,179 |
| Return on Equity (ROE) | -15.2875% | 7,203 |
| Retained earnings to average equity (ytd only) | -15.2875% | 7,152 |
| Net charge-offs to loans | 1.4676% | 1,401 |
| Credit loss provision to net charge-offs | 115.4971% | 4,397 |
| Earnings coverage of net charge-offs (x) | -1.1433% | 6,651 |
| Efficiency ratio | 142.4539% | 359 |
| Assets per employee ($millions) | 3.7545% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6966% | 887 |
| Loan loss allowance to noncurrent loans | 48.5419% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 3.7022% | 1,758 |
| Noncurrent loans to loans | 5.5552% | 1,124 |
| Net loans and leases to total assets | 54.8504% | 6,292 |
| Net loans and leases to deposits | 64.5494% | 6,447 |
| Net loans and leases to core deposits | 85.0321% | 5,964 |
| Total domestic deposits to total assets | 84.9742% | 3,251 |
| Equity capital to assets | 9.4953% | 4,750 |
| Core capital (leverage) ratio | 9.3310% | 4,139 |
| Tier 1 risk-based capital ratio | 13.6754% | 3,732 |
| Total risk-based capital ratio | 14.8741% | 3,706 |
| Memoranda: | ||
| Average total assets | $52,598,000 | 6,656 |
| Average earning assets | $49,605,750 | 6,593 |
| Average equity | $4,814,250 | 7,075 |
| Average total loans | $31,070,750 | 6,624 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3484% | 7,753 |
| Cost of funding earning assets | 2.2450% | 2,603 |
| Net interest margin | 2.1034% | 7,808 |
| Noninterest income to average assets | 0.4524% | 4,829 |
| Noninterest expense to average assets | 3.3986% | 2,634 |
| Loan and lease loss provision to assets | 1.3876% | 1,249 |
| Net operating income to assets | -1.5206% | 7,256 |
| Return on assets (ROA) | -1.5206% | 7,259 |
| Pretax return on assets | -2.3570% | 7,381 |
| Return on Equity (ROE) | -16.8232% | 7,417 |
| Retained earnings to average equity (ytd only) | -16.8232% | 7,339 |
| Net charge-offs to loans | 1.7939% | 1,052 |
| Credit loss provision to net charge-offs | 128.9753% | 3,607 |
| Earnings coverage of net charge-offs (x) | -0.9011% | 6,206 |
| Efficiency ratio | 139.9061% | 431 |
| Assets per employee ($millions) | 3.7801% | 4,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7911% | 687 |
| Loan loss allowance to noncurrent loans | 41.1735% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 4.4935% | 1,245 |
| Noncurrent loans to loans | 6.7788% | 745 |
| Net loans and leases to total assets | 54.4925% | 6,385 |
| Net loans and leases to deposits | 63.3385% | 6,628 |
| Net loans and leases to core deposits | 70.8846% | 6,975 |
| Total domestic deposits to total assets | 86.0339% | 2,774 |
| Equity capital to assets | 9.7183% | 4,321 |
| Core capital (leverage) ratio | 9.7423% | 3,582 |
| Tier 1 risk-based capital ratio | 14.0307% | 3,503 |
| Total risk-based capital ratio | 15.2931% | 3,436 |
| Memoranda: | ||
| Average total assets | $52,609,670 | 6,719 |
| Average earning assets | $49,443,670 | 6,656 |
| Average equity | $4,755,330 | 7,149 |
| Average total loans | $31,551,000 | 6,638 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8244% | 7,333 |
| Cost of funding earning assets | 2.3112% | 2,649 |
| Net interest margin | 2.5132% | 7,484 |
| Noninterest income to average assets | 0.4042% | 5,184 |
| Noninterest expense to average assets | 2.7986% | 4,564 |
| Loan and lease loss provision to assets | 0.0763% | 6,003 |
| Net operating income to assets | -0.1220% | 6,448 |
| Return on assets (ROA) | -0.1220% | 6,555 |
| Pretax return on assets | -0.0991% | 6,477 |
| Return on Equity (ROE) | -1.4030% | 6,599 |
| Retained earnings to average equity (ytd only) | -1.4030% | 5,981 |
| Net charge-offs to loans | -0.0369% | 7,616 |
| Credit loss provision to net charge-offs | -333.3333% | 6,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8242% | 1,098 |
| Assets per employee ($millions) | 3.4730% | 4,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3260% | 913 |
| Loan loss allowance to noncurrent loans | 28.9474% | 6,620 |
| Noncurrent assets plus other real estate owned to assets | 5.1828% | 851 |
| Noncurrent loans to loans | 8.0353% | 445 |
| Net loans and leases to total assets | 61.1805% | 5,470 |
| Net loans and leases to deposits | 70.1007% | 5,968 |
| Net loans and leases to core deposits | 79.2658% | 6,437 |
| Total domestic deposits to total assets | 87.2752% | 2,082 |
| Equity capital to assets | 8.7398% | 5,707 |
| Core capital (leverage) ratio | 8.5673% | 5,401 |
| Tier 1 risk-based capital ratio | 11.5306% | 5,380 |
| Total risk-based capital ratio | 12.7339% | 5,327 |
| Memoranda: | ||
| Average total assets | $52,454,000 | 6,760 |
| Average earning assets | $49,498,500 | 6,685 |
| Average equity | $4,561,500 | 7,268 |
| Average total loans | $32,493,500 | 6,617 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9751% | 5,668 |
| Cost of funding earning assets | 2.3622% | 4,883 |
| Net interest margin | 3.6129% | 4,823 |
| Noninterest income to average assets | 0.4978% | 4,627 |
| Noninterest expense to average assets | 4.9835% | 628 |
| Loan and lease loss provision to assets | 0.7351% | 2,016 |
| Net operating income to assets | -1.1866% | 7,338 |
| Return on assets (ROA) | -1.1866% | 7,277 |
| Pretax return on assets | -1.8097% | 7,378 |
| Return on Equity (ROE) | -13.6188% | 7,526 |
| Retained earnings to average equity (ytd only) | -13.6188% | 7,379 |
| Net charge-offs to loans | 0.9407% | 1,312 |
| Credit loss provision to net charge-offs | 123.7013% | 4,334 |
| Earnings coverage of net charge-offs (x) | -1.8084% | 6,696 |
| Efficiency ratio | 127.4926% | 488 |
| Assets per employee ($millions) | 3.5209% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3025% | 854 |
| Loan loss allowance to noncurrent loans | 25.8950% | 6,943 |
| Noncurrent assets plus other real estate owned to assets | 5.4475% | 599 |
| Noncurrent loans to loans | 8.8917% | 275 |
| Net loans and leases to total assets | 59.8546% | 5,933 |
| Net loans and leases to deposits | 68.4977% | 6,417 |
| Net loans and leases to core deposits | 78.9702% | 6,691 |
| Total domestic deposits to total assets | 87.3819% | 1,766 |
| Equity capital to assets | 8.6532% | 5,867 |
| Core capital (leverage) ratio | 9.0916% | 4,602 |
| Tier 1 risk-based capital ratio | 11.6369% | 5,114 |
| Total risk-based capital ratio | 12.8961% | 4,997 |
| Memoranda: | ||
| Average total assets | $51,830,600 | 6,702 |
| Average earning assets | $48,936,400 | 6,639 |
| Average equity | $4,515,800 | 7,328 |
| Average total loans | $32,741,200 | 6,565 |