Home > Peoples Bank of Altenburg > Performance and Condition Ratios
Peoples Bank of Altenburg, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9438% | 2,191 |
| Cost of funding earning assets | 0.6050% | 4,062 |
| Net interest margin | 4.3388% | 763 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.7495% | 1,631 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.4814% | 1,051 |
| Return on assets (ROA) | 1.5253% | 942 |
| Pretax return on assets | 1.5253% | 1,366 |
| Return on Equity (ROE) | 17.6400% | 870 |
| Retained earnings to average equity (ytd only) | 8.3697% | 1,434 |
| Net charge-offs to loans | 0.0037% | 2,624 |
| Credit loss provision to net charge-offs | 2,550.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 605.0000% | 241 |
| Efficiency ratio | 63.7399% | 2,637 |
| Assets per employee ($millions) | 7.1010% | 2,012 |
| Cash dividends to net income (ytd only)* | 52.5424% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 1,688 |
| 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 | 65.0400% | 2,361 |
| Net loans and leases to deposits | 85.3598% | 1,663 |
| Net loans and leases to core deposits | 86.6950% | 2,260 |
| Total domestic deposits to total assets | 76.2000% | 3,927 |
| Equity capital to assets | 8.7218% | 2,890 |
| Core capital (leverage) ratio | 9.7441% | 3,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5317% | 2,054 |
| Memoranda: | ||
| Average total assets | $77,360,000 | 4,040 |
| Average earning assets | $71,240,600 | 4,024 |
| Average equity | $6,690,800 | 4,082 |
| Average total loans | $54,245,800 | 3,787 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8210% | 2,221 |
| Cost of funding earning assets | 0.3966% | 4,262 |
| Net interest margin | 4.4244% | 680 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.8931% | 1,240 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.4147% | 1,288 |
| Return on assets (ROA) | 1.4147% | 1,271 |
| Pretax return on assets | 1.4147% | 1,746 |
| Return on Equity (ROE) | 16.4000% | 1,185 |
| Retained earnings to average equity (ytd only) | 9.9401% | 1,422 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.9146% | 2,286 |
| Assets per employee ($millions) | 6.5580% | 2,282 |
| Cash dividends to net income (ytd only)* | 39.3750% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 1,873 |
| 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 | 69.4100% | 1,898 |
| Net loans and leases to deposits | 83.6037% | 1,772 |
| Net loans and leases to core deposits | 85.2876% | 2,234 |
| Total domestic deposits to total assets | 83.0300% | 3,010 |
| Equity capital to assets | 8.1770% | 2,943 |
| Core capital (leverage) ratio | 10.8278% | 2,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5796% | 1,689 |
| Memoranda: | ||
| Average total assets | $75,397,000 | 4,075 |
| Average earning assets | $69,250,500 | 4,063 |
| Average equity | $6,505,500 | 4,108 |
| Average total loans | $53,766,000 | 3,800 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8361% | 1,912 |
| Cost of funding earning assets | 0.3381% | 4,260 |
| Net interest margin | 4.4981% | 606 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.8857% | 1,244 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.4455% | 1,226 |
| Return on assets (ROA) | 1.4455% | 1,211 |
| Pretax return on assets | 1.4455% | 1,709 |
| Return on Equity (ROE) | 16.4500% | 1,192 |
| Retained earnings to average equity (ytd only) | 10.0168% | 1,398 |
| Net charge-offs to loans | -0.0038% | 3,651 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.5257% | 2,308 |
| Assets per employee ($millions) | 6.1113% | 2,614 |
| Cash dividends to net income (ytd only)* | 39.1061% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 1,764 |
| 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 | 72.3300% | 1,489 |
| Net loans and leases to deposits | 80.0764% | 1,969 |
| Net loans and leases to core deposits | 81.6982% | 2,359 |
| Total domestic deposits to total assets | 90.3300% | 832 |
| Equity capital to assets | 9.0774% | 2,459 |
| Core capital (leverage) ratio | 10.5579% | 2,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9396% | 1,333 |
| Memoranda: | ||
| Average total assets | $74,297,333 | 4,109 |
| Average earning assets | $68,029,333 | 4,097 |
| Average equity | $6,529,000 | 4,129 |
| Average total loans | $53,240,000 | 3,816 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5922% | 2,105 |
| Cost of funding earning assets | 0.2742% | 4,244 |
| Net interest margin | 4.3180% | 776 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.9099% | 1,213 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.2731% | 1,743 |
| Return on assets (ROA) | 1.2731% | 1,714 |
| Pretax return on assets | 1.2731% | 2,246 |
| Return on Equity (ROE) | 14.7300% | 1,617 |
| Retained earnings to average equity (ytd only) | 8.2289% | 2,158 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.7737% | 1,889 |
| Assets per employee ($millions) | 6.3983% | 2,411 |
| Cash dividends to net income (ytd only)* | 44.1176% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 1,990 |
| 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 | 68.7600% | 1,758 |
| Net loans and leases to deposits | 75.6524% | 2,152 |
| Net loans and leases to core deposits | 77.1312% | 2,447 |
| Total domestic deposits to total assets | 90.8900% | 834 |
| Equity capital to assets | 8.6834% | 2,754 |
| Core capital (leverage) ratio | 10.2433% | 2,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2058% | 1,573 |
| Memoranda: | ||
| Average total assets | $74,778,000 | 4,165 |
| Average earning assets | $68,551,000 | 4,146 |
| Average equity | $6,465,000 | 4,192 |
| Average total loans | $52,978,000 | 3,862 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8713% | 2,058 |
| Cost of funding earning assets | 0.1127% | 4,324 |
| Net interest margin | 3.7586% | 1,245 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.4557% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3053% | 1,405 |
| Return on assets (ROA) | 1.3053% | 1,371 |
| Pretax return on assets | 1.3053% | 2,068 |
| Return on Equity (ROE) | 14.1900% | 1,491 |
| Retained earnings to average equity (ytd only) | 2.7857% | 3,779 |
| Net charge-offs to loans | 0.0103% | 1,985 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 195.6000% | 651 |
| Efficiency ratio | 65.2945% | 2,321 |
| Assets per employee ($millions) | 6.0648% | 2,705 |
| Cash dividends to net income (ytd only)* | 80.3681% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 1,821 |
| 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 | 71.1400% | 1,509 |
| Net loans and leases to deposits | 78.1508% | 1,930 |
| Net loans and leases to core deposits | 78.7224% | 2,225 |
| Total domestic deposits to total assets | 91.0200% | 948 |
| Equity capital to assets | 8.6057% | 2,630 |
| Core capital (leverage) ratio | 10.2738% | 2,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4271% | 1,499 |
| Memoranda: | ||
| Average total assets | $74,926,400 | 4,192 |
| Average earning assets | $69,202,000 | 4,168 |
| Average equity | $6,892,400 | 4,229 |
| Average total loans | $48,585,400 | 3,917 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7172% | 1,985 |
| Cost of funding earning assets | 0.1011% | 4,275 |
| Net interest margin | 3.6161% | 1,358 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.5866% | 1,744 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0530% | 2,276 |
| Return on assets (ROA) | 1.0530% | 2,240 |
| Pretax return on assets | 1.0530% | 2,866 |
| Return on Equity (ROE) | 11.2700% | 2,276 |
| Retained earnings to average equity (ytd only) | 6.1655% | 2,697 |
| Net charge-offs to loans | 0.0140% | 1,599 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 119.2000% | 851 |
| Efficiency ratio | 71.0680% | 1,633 |
| Assets per employee ($millions) | 6.1210% | 2,651 |
| Cash dividends to net income (ytd only)* | 45.3020% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 1,795 |
| 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 | 68.6200% | 1,602 |
| Net loans and leases to deposits | 75.7204% | 1,901 |
| Net loans and leases to core deposits | 76.2715% | 2,176 |
| Total domestic deposits to total assets | 90.6200% | 1,397 |
| Equity capital to assets | 8.6288% | 2,461 |
| Core capital (leverage) ratio | 10.2826% | 2,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7394% | 1,496 |
| Memoranda: | ||
| Average total assets | $75,463,750 | 4,211 |
| Average earning assets | $69,871,500 | 4,194 |
| Average equity | $7,049,750 | 4,247 |
| Average total loans | $47,616,250 | 3,956 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5433% | 2,010 |
| Cost of funding earning assets | 0.1047% | 4,141 |
| Net interest margin | 3.4386% | 1,486 |
| Noninterest income to average assets | 0.2916% | 3,422 |
| Noninterest expense to average assets | 2.5823% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9010% | 2,579 |
| Return on assets (ROA) | 0.9010% | 2,549 |
| Pretax return on assets | 0.9010% | 3,061 |
| Return on Equity (ROE) | 9.4140% | 2,559 |
| Retained earnings to average equity (ytd only) | 4.4737% | 2,900 |
| Net charge-offs to loans | 0.0172% | 1,402 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 85.7500% | 895 |
| Efficiency ratio | 74.1327% | 1,492 |
| Assets per employee ($millions) | 6.3703% | 2,415 |
| Cash dividends to net income (ytd only)* | 52.4781% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 1,651 |
| Loan loss allowance to noncurrent loans | 843.9024% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 2,959 |
| Noncurrent loans to loans | 0.1690% | 2,846 |
| Net loans and leases to total assets | 62.5695% | 2,059 |
| Net loans and leases to deposits | 69.1145% | 2,294 |
| Net loans and leases to core deposits | 69.6276% | 2,512 |
| Total domestic deposits to total assets | 90.5302% | 1,451 |
| Equity capital to assets | 8.8667% | 2,481 |
| Core capital (leverage) ratio | 10.0003% | 2,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8278% | 1,476 |
| Memoranda: | ||
| Average total assets | $76,134,333 | 4,244 |
| Average earning assets | $70,669,000 | 4,240 |
| Average equity | $7,287,000 | 4,281 |
| Average total loans | $46,457,667 | 4,018 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5341% | 1,689 |
| Cost of funding earning assets | 0.1187% | 3,912 |
| Net interest margin | 3.4153% | 1,269 |
| Noninterest income to average assets | 0.2895% | 3,390 |
| Noninterest expense to average assets | 2.5480% | 1,757 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9213% | 2,198 |
| Return on assets (ROA) | 0.9213% | 2,190 |
| Pretax return on assets | 0.9213% | 2,695 |
| Return on Equity (ROE) | 9.2820% | 2,221 |
| Retained earnings to average equity (ytd only) | 4.5084% | 2,779 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4446% | 1,803 |
| Assets per employee ($millions) | 6.4062% | 2,447 |
| Cash dividends to net income (ytd only)* | 51.4286% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 1,543 |
| Loan loss allowance to noncurrent loans | 809.3023% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 3,023 |
| Noncurrent loans to loans | 0.1855% | 2,890 |
| Net loans and leases to total assets | 59.4024% | 2,130 |
| Net loans and leases to deposits | 65.8510% | 2,347 |
| Net loans and leases to core deposits | 66.4064% | 2,597 |
| Total domestic deposits to total assets | 90.2074% | 1,438 |
| Equity capital to assets | 9.3374% | 2,410 |
| Core capital (leverage) ratio | 10.0425% | 2,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9504% | 1,531 |
| Memoranda: | ||
| Average total assets | $75,980,000 | 4,272 |
| Average earning assets | $70,739,500 | 4,258 |
| Average equity | $7,541,500 | 4,310 |
| Average total loans | $45,425,500 | 4,050 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8769% | 1,679 |
| Cost of funding earning assets | 0.1829% | 3,627 |
| Net interest margin | 3.6940% | 1,230 |
| Noninterest income to average assets | 0.2557% | 3,846 |
| Noninterest expense to average assets | 2.5155% | 2,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1840% | 1,975 |
| Return on assets (ROA) | 1.1840% | 2,044 |
| Pretax return on assets | 1.1840% | 2,720 |
| Return on Equity (ROE) | 11.2254% | 2,090 |
| Retained earnings to average equity (ytd only) | 6.6070% | 2,076 |
| Net charge-offs to loans | -0.0023% | 3,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9956% | 1,981 |
| Assets per employee ($millions) | 6.2572% | 2,521 |
| Cash dividends to net income (ytd only)* | 41.1429% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 1,347 |
| Loan loss allowance to noncurrent loans | 268.7259% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 1,845 |
| Noncurrent loans to loans | 0.5822% | 1,683 |
| Net loans and leases to total assets | 58.3251% | 2,339 |
| Net loans and leases to deposits | 67.5198% | 2,353 |
| Net loans and leases to core deposits | 68.1820% | 2,636 |
| Total domestic deposits to total assets | 86.3823% | 2,766 |
| Equity capital to assets | 10.5279% | 2,150 |
| Core capital (leverage) ratio | 10.0214% | 2,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0447% | 1,257 |
| Memoranda: | ||
| Average total assets | $73,900,400 | 4,292 |
| Average earning assets | $68,895,400 | 4,279 |
| Average equity | $7,794,800 | 4,350 |
| Average total loans | $43,985,000 | 4,109 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0760% | 1,358 |
| Cost of funding earning assets | 0.1878% | 3,731 |
| Net interest margin | 3.8882% | 960 |
| Noninterest income to average assets | 0.2409% | 3,955 |
| Noninterest expense to average assets | 2.5904% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2879% | 1,857 |
| Return on assets (ROA) | 1.2879% | 1,913 |
| Pretax return on assets | 1.2879% | 2,650 |
| Return on Equity (ROE) | 12.2048% | 1,974 |
| Retained earnings to average equity (ytd only) | 7.5701% | 2,192 |
| Net charge-offs to loans | -0.0030% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7912% | 1,993 |
| Assets per employee ($millions) | 6.2443% | 2,458 |
| Cash dividends to net income (ytd only)* | 37.9747% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6571% | 1,206 |
| Loan loss allowance to noncurrent loans | 328.3019% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 2,357 |
| Noncurrent loans to loans | 0.5047% | 2,046 |
| Net loans and leases to total assets | 55.1254% | 2,837 |
| Net loans and leases to deposits | 64.0056% | 2,849 |
| Net loans and leases to core deposits | 64.6356% | 3,078 |
| Total domestic deposits to total assets | 86.1259% | 2,698 |
| Equity capital to assets | 10.5671% | 2,404 |
| Core capital (leverage) ratio | 10.0843% | 2,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8368% | 1,167 |
| Memoranda: | ||
| Average total assets | $73,604,000 | 4,350 |
| Average earning assets | $68,856,250 | 4,327 |
| Average equity | $7,767,250 | 4,417 |
| Average total loans | $43,858,750 | 4,168 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 716 |
| Cost of funding earning assets | 0.2073% | 3,676 |
| Net interest margin | 4.2987% | 496 |
| Noninterest income to average assets | 0.2296% | 4,026 |
| Noninterest expense to average assets | 2.6489% | 1,730 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6047% | 1,039 |
| Return on assets (ROA) | 1.6047% | 1,099 |
| Pretax return on assets | 1.6047% | 1,721 |
| Return on Equity (ROE) | 15.2132% | 1,102 |
| Retained earnings to average equity (ytd only) | 10.5481% | 1,236 |
| Net charge-offs to loans | -0.0045% | 3,404 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2751% | 2,690 |
| Assets per employee ($millions) | 6.2445% | 2,395 |
| Cash dividends to net income (ytd only)* | 30.6644% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 1,200 |
| Loan loss allowance to noncurrent loans | 322.2222% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.2883% | 2,481 |
| Noncurrent loans to loans | 0.5078% | 2,156 |
| Net loans and leases to total assets | 55.8358% | 2,920 |
| Net loans and leases to deposits | 64.7788% | 2,921 |
| Net loans and leases to core deposits | 65.4978% | 3,159 |
| Total domestic deposits to total assets | 86.1945% | 2,667 |
| Equity capital to assets | 10.5826% | 2,326 |
| Core capital (leverage) ratio | 9.8367% | 2,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8984% | 1,148 |
| Memoranda: | ||
| Average total assets | $73,161,667 | 4,380 |
| Average earning assets | $68,485,667 | 4,360 |
| Average equity | $7,717,000 | 4,447 |
| Average total loans | $44,477,667 | 4,182 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9370% | 391 |
| Cost of funding earning assets | 0.2486% | 3,486 |
| Net interest margin | 4.6884% | 270 |
| Noninterest income to average assets | 0.2269% | 4,021 |
| Noninterest expense to average assets | 2.5569% | 2,001 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0533% | 530 |
| Return on assets (ROA) | 2.0533% | 569 |
| Pretax return on assets | 2.0533% | 869 |
| Return on Equity (ROE) | 19.4994% | 570 |
| Retained earnings to average equity (ytd only) | 14.7691% | 650 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4622% | 3,610 |
| Assets per employee ($millions) | 5.3467% | 3,282 |
| Cash dividends to net income (ytd only)* | 24.2588% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 1,482 |
| Loan loss allowance to noncurrent loans | 388.2682% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 2,941 |
| Noncurrent loans to loans | 0.3954% | 2,688 |
| Net loans and leases to total assets | 59.5426% | 2,595 |
| Net loans and leases to deposits | 68.6030% | 2,638 |
| Net loans and leases to core deposits | 69.3589% | 2,925 |
| Total domestic deposits to total assets | 86.7930% | 2,393 |
| Equity capital to assets | 10.1237% | 2,586 |
| Core capital (leverage) ratio | 10.2444% | 2,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8444% | 1,097 |
| Memoranda: | ||
| Average total assets | $72,275,500 | 4,406 |
| Average earning assets | $67,571,500 | 4,390 |
| Average equity | $7,610,500 | 4,472 |
| Average total loans | $45,448,500 | 4,180 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 2,520 |
| Cost of funding earning assets | 0.4696% | 3,154 |
| Net interest margin | 3.5985% | 2,147 |
| Noninterest income to average assets | 0.2715% | 3,850 |
| Noninterest expense to average assets | 2.6944% | 2,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9237% | 2,593 |
| Return on assets (ROA) | 0.9237% | 2,734 |
| Pretax return on assets | 0.9237% | 3,304 |
| Return on Equity (ROE) | 8.5468% | 2,577 |
| Retained earnings to average equity (ytd only) | 3.6317% | 3,026 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4698% | 1,387 |
| Assets per employee ($millions) | 4.6465% | 3,766 |
| Cash dividends to net income (ytd only)* | 57.5080% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 1,503 |
| Loan loss allowance to noncurrent loans | 383.9779% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 3,000 |
| Noncurrent loans to loans | 0.3967% | 2,790 |
| Net loans and leases to total assets | 64.4748% | 2,300 |
| Net loans and leases to deposits | 75.0789% | 2,375 |
| Net loans and leases to core deposits | 75.9725% | 2,731 |
| Total domestic deposits to total assets | 85.8760% | 2,415 |
| Equity capital to assets | 10.9660% | 2,281 |
| Core capital (leverage) ratio | 9.9325% | 2,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9095% | 1,284 |
| Memoranda: | ||
| Average total assets | $67,771,000 | 4,415 |
| Average earning assets | $63,026,800 | 4,401 |
| Average equity | $7,324,400 | 4,496 |
| Average total loans | $46,012,800 | 4,186 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2085% | 2,378 |
| Cost of funding earning assets | 0.5290% | 3,055 |
| Net interest margin | 3.6795% | 2,012 |
| Noninterest income to average assets | 0.2734% | 3,832 |
| Noninterest expense to average assets | 2.8929% | 1,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7985% | 3,098 |
| Return on assets (ROA) | 0.7985% | 3,216 |
| Pretax return on assets | 0.7985% | 3,652 |
| Return on Equity (ROE) | 7.4167% | 3,040 |
| Retained earnings to average equity (ytd only) | 2.4477% | 3,763 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3682% | 997 |
| Assets per employee ($millions) | 5.0929% | 3,121 |
| Cash dividends to net income (ytd only)* | 66.9975% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 1,273 |
| Loan loss allowance to noncurrent loans | 311.6592% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 2,907 |
| Noncurrent loans to loans | 0.4936% | 2,581 |
| Net loans and leases to total assets | 62.3857% | 2,958 |
| Net loans and leases to deposits | 72.4718% | 3,088 |
| Net loans and leases to core deposits | 73.3091% | 3,373 |
| Total domestic deposits to total assets | 86.0827% | 2,029 |
| Equity capital to assets | 10.4965% | 2,793 |
| Core capital (leverage) ratio | 9.8376% | 2,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6608% | 1,336 |
| Memoranda: | ||
| Average total assets | $67,289,500 | 4,437 |
| Average earning assets | $62,506,250 | 4,421 |
| Average equity | $7,244,750 | 4,520 |
| Average total loans | $46,108,000 | 4,204 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 1,927 |
| Cost of funding earning assets | 0.6008% | 2,959 |
| Net interest margin | 3.8957% | 1,580 |
| Noninterest income to average assets | 0.2426% | 4,030 |
| Noninterest expense to average assets | 2.9809% | 1,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8794% | 2,774 |
| Return on assets (ROA) | 0.8794% | 2,888 |
| Pretax return on assets | 0.8794% | 3,374 |
| Return on Equity (ROE) | 8.0949% | 2,712 |
| Retained earnings to average equity (ytd only) | 3.0705% | 3,359 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2192% | 1,131 |
| Assets per employee ($millions) | 4.6477% | 3,600 |
| Cash dividends to net income (ytd only)* | 62.0690% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5043% | 1,250 |
| Loan loss allowance to noncurrent loans | 324.7664% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 3,084 |
| Noncurrent loans to loans | 0.4632% | 2,754 |
| Net loans and leases to total assets | 65.2748% | 2,726 |
| Net loans and leases to deposits | 75.9412% | 2,876 |
| Net loans and leases to core deposits | 76.8362% | 3,214 |
| Total domestic deposits to total assets | 85.9544% | 2,027 |
| Equity capital to assets | 10.6647% | 2,606 |
| Core capital (leverage) ratio | 10.2034% | 2,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3317% | 1,407 |
| Memoranda: | ||
| Average total assets | $65,952,667 | 4,458 |
| Average earning assets | $61,247,667 | 4,450 |
| Average equity | $7,165,000 | 4,549 |
| Average total loans | $46,418,667 | 4,201 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7353% | 1,603 |
| Cost of funding earning assets | 0.6736% | 3,046 |
| Net interest margin | 4.0617% | 1,220 |
| Noninterest income to average assets | 0.2622% | 3,968 |
| Noninterest expense to average assets | 3.2901% | 1,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7367% | 3,147 |
| Return on assets (ROA) | 0.7367% | 3,227 |
| Pretax return on assets | 0.7367% | 3,576 |
| Return on Equity (ROE) | 6.7141% | 3,061 |
| Retained earnings to average equity (ytd only) | 1.5932% | 3,573 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7054% | 996 |
| Assets per employee ($millions) | 4.6182% | 3,101 |
| Cash dividends to net income (ytd only)* | 76.2712% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 1,343 |
| Loan loss allowance to noncurrent loans | 363.8743% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 3,272 |
| Noncurrent loans to loans | 0.4123% | 3,015 |
| Net loans and leases to total assets | 70.5792% | 2,156 |
| Net loans and leases to deposits | 82.3760% | 2,407 |
| Net loans and leases to core deposits | 83.4211% | 2,895 |
| Total domestic deposits to total assets | 85.6794% | 2,138 |
| Equity capital to assets | 10.7710% | 3,076 |
| Core capital (leverage) ratio | 10.6308% | 2,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1256% | 1,573 |
| Memoranda: | ||
| Average total assets | $64,071,000 | 4,495 |
| Average earning assets | $59,384,000 | 4,493 |
| Average equity | $7,030,000 | 4,596 |
| Average total loans | $46,527,000 | 4,221 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7799% | 2,107 |
| Cost of funding earning assets | 0.6502% | 3,410 |
| Net interest margin | 4.1297% | 1,472 |
| Noninterest income to average assets | 0.2805% | 4,004 |
| Noninterest expense to average assets | 2.7507% | 2,747 |
| Loan and lease loss provision to assets | -0.3187% | 5,147 |
| Net operating income to assets | 1.7053% | 647 |
| Return on assets (ROA) | 1.7897% | 567 |
| Pretax return on assets | 1.7897% | 966 |
| Return on Equity (ROE) | 17.2599% | 391 |
| Retained earnings to average equity (ytd only) | 11.7269% | 260 |
| Net charge-offs to loans | -0.3980% | 5,109 |
| Credit loss provision to net charge-offs | 107.5269% | 2,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4869% | 2,694 |
| Assets per employee ($millions) | 4.5348% | 3,173 |
| Cash dividends to net income (ytd only)* | 32.0570% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 1,268 |
| Loan loss allowance to noncurrent loans | 361.9792% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.3024% | 3,223 |
| Noncurrent loans to loans | 0.4109% | 2,967 |
| Net loans and leases to total assets | 72.5046% | 2,009 |
| Net loans and leases to deposits | 84.9437% | 2,213 |
| Net loans and leases to core deposits | 86.0409% | 2,789 |
| Total domestic deposits to total assets | 85.3561% | 2,366 |
| Equity capital to assets | 11.1771% | 2,836 |
| Core capital (leverage) ratio | 10.5227% | 2,929 |
| Tier 1 risk-based capital ratio | 14.8151% | 2,859 |
| Total risk-based capital ratio | 16.0687% | 2,787 |
| Memoranda: | ||
| Average total assets | $62,747,200 | 4,554 |
| Average earning assets | $58,599,600 | 4,545 |
| Average equity | $6,506,400 | 4,694 |
| Average total loans | $46,738,800 | 4,245 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6128% | 2,684 |
| Cost of funding earning assets | 0.6622% | 3,387 |
| Net interest margin | 3.9506% | 2,103 |
| Noninterest income to average assets | 0.2834% | 4,044 |
| Noninterest expense to average assets | 2.9112% | 2,224 |
| Loan and lease loss provision to assets | -0.2131% | 5,209 |
| Net operating income to assets | 1.2723% | 1,941 |
| Return on assets (ROA) | 1.3853% | 1,582 |
| Pretax return on assets | 1.3853% | 2,365 |
| Return on Equity (ROE) | 13.6287% | 1,071 |
| Retained earnings to average equity (ytd only) | 7.9674% | 1,409 |
| Net charge-offs to loans | -0.5306% | 5,193 |
| Credit loss provision to net charge-offs | 53.7634% | 2,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3226% | 1,658 |
| Assets per employee ($millions) | 4.2255% | 3,582 |
| Cash dividends to net income (ytd only)* | 41.5381% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 789 |
| Loan loss allowance to noncurrent loans | 226.4957% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5538% | 2,346 |
| Noncurrent loans to loans | 0.7591% | 2,065 |
| Net loans and leases to total assets | 71.7002% | 2,220 |
| Net loans and leases to deposits | 83.7495% | 2,484 |
| Net loans and leases to core deposits | 84.8234% | 3,013 |
| Total domestic deposits to total assets | 85.6126% | 2,160 |
| Equity capital to assets | 10.5487% | 3,505 |
| Core capital (leverage) ratio | 10.2096% | 3,413 |
| Tier 1 risk-based capital ratio | 14.2043% | 3,222 |
| Total risk-based capital ratio | 15.4592% | 3,124 |
| Memoranda: | ||
| Average total assets | $62,562,250 | 4,612 |
| Average earning assets | $58,387,000 | 4,603 |
| Average equity | $6,359,000 | 4,776 |
| Average total loans | $46,742,000 | 4,294 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6107% | 2,643 |
| Cost of funding earning assets | 0.6450% | 3,439 |
| Net interest margin | 3.9658% | 2,033 |
| Noninterest income to average assets | 0.2729% | 4,112 |
| Noninterest expense to average assets | 2.9540% | 2,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0307% | 2,803 |
| Return on assets (ROA) | 1.0307% | 2,881 |
| Pretax return on assets | 1.0307% | 3,447 |
| Return on Equity (ROE) | 10.2720% | 2,261 |
| Retained earnings to average equity (ytd only) | 4.5120% | 3,012 |
| Net charge-offs to loans | -0.4136% | 5,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1338% | 1,626 |
| Assets per employee ($millions) | 4.2276% | 3,531 |
| Cash dividends to net income (ytd only)* | 56.0748% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 742 |
| Loan loss allowance to noncurrent loans | 225.7703% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.5630% | 2,327 |
| Noncurrent loans to loans | 0.7775% | 2,039 |
| Net loans and leases to total assets | 71.1389% | 2,356 |
| Net loans and leases to deposits | 82.6681% | 2,654 |
| Net loans and leases to core deposits | 82.6681% | 3,227 |
| Total domestic deposits to total assets | 86.0536% | 2,008 |
| Equity capital to assets | 10.2296% | 3,771 |
| Core capital (leverage) ratio | 9.8312% | 3,788 |
| Tier 1 risk-based capital ratio | 13.7115% | 3,478 |
| Total risk-based capital ratio | 14.9671% | 3,365 |
| Memoranda: | ||
| Average total assets | $62,289,000 | 4,649 |
| Average earning assets | $58,299,000 | 4,636 |
| Average equity | $6,250,000 | 4,822 |
| Average total loans | $46,909,330 | 4,318 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6151% | 2,484 |
| Cost of funding earning assets | 0.6158% | 3,489 |
| Net interest margin | 3.9993% | 1,855 |
| Noninterest income to average assets | 0.2722% | 4,058 |
| Noninterest expense to average assets | 2.9226% | 2,210 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0952% | 2,493 |
| Return on assets (ROA) | 1.0952% | 2,537 |
| Pretax return on assets | 1.0952% | 3,166 |
| Return on Equity (ROE) | 11.0250% | 1,937 |
| Retained earnings to average equity (ytd only) | 5.1537% | 2,839 |
| Net charge-offs to loans | -0.2953% | 5,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7419% | 1,921 |
| Assets per employee ($millions) | 4.4469% | 3,262 |
| Cash dividends to net income (ytd only)* | 53.2544% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 1,079 |
| Loan loss allowance to noncurrent loans | 204.9587% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5831% | 2,321 |
| Noncurrent loans to loans | 0.7762% | 2,093 |
| Net loans and leases to total assets | 73.9254% | 1,821 |
| Net loans and leases to deposits | 86.4704% | 2,075 |
| Net loans and leases to core deposits | 86.9047% | 2,787 |
| Total domestic deposits to total assets | 85.4922% | 2,487 |
| Equity capital to assets | 10.0761% | 3,748 |
| Core capital (leverage) ratio | 9.9510% | 3,656 |
| Tier 1 risk-based capital ratio | 13.3326% | 3,702 |
| Total risk-based capital ratio | 14.5869% | 3,608 |
| Memoranda: | ||
| Average total assets | $61,726,500 | 4,712 |
| Average earning assets | $57,810,000 | 4,698 |
| Average equity | $6,131,500 | 4,874 |
| Average total loans | $47,405,000 | 4,359 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 2,742 |
| Cost of funding earning assets | 0.4571% | 3,632 |
| Net interest margin | 3.9487% | 2,165 |
| Noninterest income to average assets | 0.1961% | 4,729 |
| Noninterest expense to average assets | 2.6786% | 3,100 |
| Loan and lease loss provision to assets | -0.1634% | 5,311 |
| Net operating income to assets | 1.3941% | 1,449 |
| Return on assets (ROA) | 1.3941% | 1,445 |
| Pretax return on assets | 1.3941% | 2,154 |
| Return on Equity (ROE) | 13.9708% | 1,048 |
| Retained earnings to average equity (ytd only) | 1.5232% | 4,523 |
| Net charge-offs to loans | -0.4644% | 5,338 |
| Credit loss provision to net charge-offs | 46.0829% | 3,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5201% | 2,468 |
| Assets per employee ($millions) | 4.3712% | 3,343 |
| Cash dividends to net income (ytd only)* | 89.0973% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 1,367 |
| Loan loss allowance to noncurrent loans | 267.5472% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.4330% | 2,835 |
| Noncurrent loans to loans | 0.5516% | 2,620 |
| Net loans and leases to total assets | 77.3469% | 1,384 |
| Net loans and leases to deposits | 90.0674% | 1,794 |
| Net loans and leases to core deposits | 90.5238% | 2,526 |
| Total domestic deposits to total assets | 85.8768% | 2,292 |
| Equity capital to assets | 9.7881% | 3,873 |
| Core capital (leverage) ratio | 9.7118% | 3,895 |
| Tier 1 risk-based capital ratio | 13.0030% | 3,842 |
| Total risk-based capital ratio | 14.2570% | 3,733 |
| Memoranda: | ||
| Average total assets | $61,188,400 | 4,740 |
| Average earning assets | $57,537,800 | 4,721 |
| Average equity | $6,105,600 | 4,880 |
| Average total loans | $46,728,600 | 4,379 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3042% | 2,951 |
| Cost of funding earning assets | 0.4327% | 3,647 |
| Net interest margin | 3.8715% | 2,400 |
| Noninterest income to average assets | 0.1634% | 4,970 |
| Noninterest expense to average assets | 2.6846% | 3,016 |
| Loan and lease loss provision to assets | -0.2179% | 5,407 |
| Net operating income to assets | 1.3423% | 1,693 |
| Return on assets (ROA) | 1.3423% | 1,704 |
| Pretax return on assets | 1.3423% | 2,458 |
| Return on Equity (ROE) | 13.3884% | 1,303 |
| Retained earnings to average equity (ytd only) | 7.5201% | 1,879 |
| Net charge-offs to loans | -0.4454% | 5,389 |
| Credit loss provision to net charge-offs | 64.5161% | 2,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4805% | 2,122 |
| Assets per employee ($millions) | 4.8013% | 2,720 |
| Cash dividends to net income (ytd only)* | 43.8312% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 1,796 |
| Loan loss allowance to noncurrent loans | 113.5088% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.9132% | 1,621 |
| Noncurrent loans to loans | 1.2115% | 1,397 |
| Net loans and leases to total assets | 74.3451% | 1,925 |
| Net loans and leases to deposits | 87.0031% | 2,261 |
| Net loans and leases to core deposits | 87.4359% | 2,880 |
| Total domestic deposits to total assets | 85.4511% | 2,426 |
| Equity capital to assets | 10.0437% | 3,594 |
| Core capital (leverage) ratio | 10.2122% | 3,393 |
| Tier 1 risk-based capital ratio | 13.6663% | 3,534 |
| Total risk-based capital ratio | 14.9173% | 3,451 |
| Memoranda: | ||
| Average total assets | $61,186,250 | 4,788 |
| Average earning assets | $57,616,500 | 4,769 |
| Average equity | $6,134,500 | 4,929 |
| Average total loans | $46,400,000 | 4,431 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2643% | 2,893 |
| Cost of funding earning assets | 0.4114% | 3,641 |
| Net interest margin | 3.8529% | 2,372 |
| Noninterest income to average assets | 0.1086% | 5,241 |
| Noninterest expense to average assets | 2.7610% | 2,800 |
| Loan and lease loss provision to assets | -0.3291% | 5,499 |
| Net operating income to assets | 1.3130% | 1,719 |
| Return on assets (ROA) | 1.3130% | 1,720 |
| Pretax return on assets | 1.3130% | 2,455 |
| Return on Equity (ROE) | 13.1042% | 1,337 |
| Retained earnings to average equity (ytd only) | 7.1925% | 1,982 |
| Net charge-offs to loans | -0.4027% | 5,415 |
| Credit loss provision to net charge-offs | 107.5269% | 1,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7258% | 1,745 |
| Assets per employee ($millions) | 4.6245% | 2,935 |
| Cash dividends to net income (ytd only)* | 45.1128% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 2,244 |
| Loan loss allowance to noncurrent loans | 109.5327% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.8899% | 1,689 |
| Noncurrent loans to loans | 1.1728% | 1,488 |
| Net loans and leases to total assets | 74.9060% | 1,802 |
| Net loans and leases to deposits | 88.0701% | 2,103 |
| Net loans and leases to core deposits | 88.5237% | 2,677 |
| Total domestic deposits to total assets | 85.0527% | 2,650 |
| Equity capital to assets | 10.3380% | 3,299 |
| Core capital (leverage) ratio | 10.1025% | 3,475 |
| Tier 1 risk-based capital ratio | 13.8238% | 3,449 |
| Total risk-based capital ratio | 15.0749% | 3,361 |
| Memoranda: | ||
| Average total assets | $60,776,000 | 4,858 |
| Average earning assets | $57,359,330 | 4,828 |
| Average equity | $6,089,670 | 4,990 |
| Average total loans | $46,183,000 | 4,483 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2201% | 2,820 |
| Cost of funding earning assets | 0.3817% | 3,722 |
| Net interest margin | 3.8383% | 2,267 |
| Noninterest income to average assets | -0.2226% | 5,598 |
| Noninterest expense to average assets | 2.7428% | 2,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6546% | 4,263 |
| Return on assets (ROA) | 0.6546% | 4,274 |
| Pretax return on assets | 0.6546% | 4,559 |
| Return on Equity (ROE) | 6.6368% | 3,933 |
| Retained earnings to average equity (ytd only) | 0.6637% | 4,700 |
| Net charge-offs to loans | -0.3443% | 5,464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7322% | 1,068 |
| Assets per employee ($millions) | 4.7238% | 2,824 |
| Cash dividends to net income (ytd only)* | 90.0000% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 1,971 |
| Loan loss allowance to noncurrent loans | 98.2893% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.1285% | 1,372 |
| Noncurrent loans to loans | 1.3884% | 1,283 |
| Net loans and leases to total assets | 74.3849% | 1,801 |
| Net loans and leases to deposits | 86.7005% | 2,081 |
| Net loans and leases to core deposits | 87.1321% | 2,705 |
| Total domestic deposits to total assets | 85.7952% | 2,637 |
| Equity capital to assets | 9.8145% | 3,777 |
| Core capital (leverage) ratio | 9.8468% | 3,713 |
| Tier 1 risk-based capital ratio | 13.1215% | 3,890 |
| Total risk-based capital ratio | 14.3738% | 3,796 |
| Memoranda: | ||
| Average total assets | $61,105,000 | 4,902 |
| Average earning assets | $57,629,500 | 4,881 |
| Average equity | $6,027,000 | 5,052 |
| Average total loans | $46,465,500 | 4,522 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0888% | 3,094 |
| Cost of funding earning assets | 0.3538% | 3,679 |
| Net interest margin | 3.7351% | 2,662 |
| Noninterest income to average assets | 0.2027% | 4,930 |
| Noninterest expense to average assets | 2.6583% | 3,260 |
| Loan and lease loss provision to assets | 0.0369% | 3,531 |
| Net operating income to assets | 0.9916% | 2,287 |
| Return on assets (ROA) | 0.9916% | 2,320 |
| Pretax return on assets | 0.9916% | 3,610 |
| Return on Equity (ROE) | 9.9020% | 1,929 |
| Retained earnings to average equity (ytd only) | 3.8805% | 2,880 |
| Net charge-offs to loans | -0.1694% | 5,490 |
| Credit loss provision to net charge-offs | -28.9474% | 4,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1036% | 2,209 |
| Assets per employee ($millions) | 4.3429% | 3,428 |
| Cash dividends to net income (ytd only)* | 60.8108% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,376 |
| Loan loss allowance to noncurrent loans | 83.8527% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.3733% | 1,029 |
| Noncurrent loans to loans | 1.5144% | 1,120 |
| Net loans and leases to total assets | 75.7027% | 1,652 |
| Net loans and leases to deposits | 88.2506% | 1,991 |
| Net loans and leases to core deposits | 89.1722% | 2,639 |
| Total domestic deposits to total assets | 85.7815% | 2,542 |
| Equity capital to assets | 9.9127% | 3,803 |
| Core capital (leverage) ratio | 9.7804% | 3,716 |
| Tier 1 risk-based capital ratio | 12.9937% | 3,907 |
| Total risk-based capital ratio | 14.2443% | 3,803 |
| Memoranda: | ||
| Average total assets | $59,699,000 | 4,970 |
| Average earning assets | $55,688,400 | 4,962 |
| Average equity | $5,978,600 | 5,105 |
| Average total loans | $44,876,800 | 4,593 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0572% | 3,150 |
| Cost of funding earning assets | 0.3387% | 3,785 |
| Net interest margin | 3.7185% | 2,690 |
| Noninterest income to average assets | 0.1705% | 5,167 |
| Noninterest expense to average assets | 2.7329% | 2,950 |
| Loan and lease loss provision to assets | 0.0494% | 3,107 |
| Net operating income to assets | 0.8616% | 3,221 |
| Return on assets (ROA) | 0.8616% | 3,270 |
| Pretax return on assets | 0.8616% | 4,172 |
| Return on Equity (ROE) | 8.5811% | 2,818 |
| Retained earnings to average equity (ytd only) | 2.5476% | 4,364 |
| Net charge-offs to loans | -0.1650% | 5,493 |
| Credit loss provision to net charge-offs | -40.0000% | 4,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 1,742 |
| Assets per employee ($millions) | 4.3165% | 3,442 |
| Cash dividends to net income (ytd only)* | 70.3119% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 2,725 |
| Loan loss allowance to noncurrent loans | 76.5416% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.3652% | 1,148 |
| Noncurrent loans to loans | 1.6128% | 1,134 |
| Net loans and leases to total assets | 75.5986% | 1,661 |
| Net loans and leases to deposits | 90.3991% | 1,760 |
| Net loans and leases to core deposits | 91.3737% | 2,503 |
| Total domestic deposits to total assets | 83.6276% | 3,248 |
| Equity capital to assets | 10.0826% | 3,824 |
| Core capital (leverage) ratio | 9.8240% | 3,791 |
| Tier 1 risk-based capital ratio | 12.8140% | 4,134 |
| Total risk-based capital ratio | 14.0462% | 4,043 |
| Memoranda: | ||
| Average total assets | $59,423,500 | 5,032 |
| Average earning assets | $55,505,250 | 5,020 |
| Average equity | $5,966,500 | 5,165 |
| Average total loans | $44,441,000 | 4,651 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 3,196 |
| Cost of funding earning assets | 0.3339% | 3,757 |
| Net interest margin | 3.6690% | 2,757 |
| Noninterest income to average assets | 0.2606% | 4,667 |
| Noninterest expense to average assets | 2.7586% | 2,894 |
| Loan and lease loss provision to assets | 0.0474% | 3,044 |
| Net operating income to assets | 0.8767% | 3,032 |
| Return on assets (ROA) | 0.8767% | 3,089 |
| Pretax return on assets | 0.8767% | 4,007 |
| Return on Equity (ROE) | 8.7436% | 2,635 |
| Retained earnings to average equity (ytd only) | 2.6670% | 4,108 |
| Net charge-offs to loans | 0.0046% | 3,323 |
| Credit loss provision to net charge-offs | 1,400.0000% | 308 |
| Earnings coverage of net charge-offs (x) | 273.0000% | 316 |
| Efficiency ratio | 74.9081% | 1,869 |
| Assets per employee ($millions) | 4.2573% | 3,508 |
| Cash dividends to net income (ytd only)* | 69.4981% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 3,334 |
| Loan loss allowance to noncurrent loans | 75.4464% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.3439% | 1,200 |
| Noncurrent loans to loans | 1.5199% | 1,233 |
| Net loans and leases to total assets | 73.3298% | 1,983 |
| Net loans and leases to deposits | 85.2850% | 2,315 |
| Net loans and leases to core deposits | 86.1881% | 2,862 |
| Total domestic deposits to total assets | 85.9820% | 2,382 |
| Equity capital to assets | 10.2446% | 3,621 |
| Core capital (leverage) ratio | 9.7189% | 3,874 |
| Tier 1 risk-based capital ratio | 13.2765% | 3,818 |
| Total risk-based capital ratio | 14.4164% | 3,807 |
| Memoranda: | ||
| Average total assets | $59,087,670 | 5,075 |
| Average earning assets | $55,110,000 | 5,065 |
| Average equity | $5,924,330 | 5,203 |
| Average total loans | $43,836,000 | 4,689 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0200% | 2,960 |
| Cost of funding earning assets | 0.3271% | 3,782 |
| Net interest margin | 3.6929% | 2,503 |
| Noninterest income to average assets | 0.1972% | 5,088 |
| Noninterest expense to average assets | 2.6857% | 3,196 |
| Loan and lease loss provision to assets | 0.0340% | 3,104 |
| Net operating income to assets | 0.9315% | 2,604 |
| Return on assets (ROA) | 0.9315% | 2,659 |
| Pretax return on assets | 0.9315% | 3,654 |
| Return on Equity (ROE) | 9.3940% | 2,231 |
| Retained earnings to average equity (ytd only) | 3.2228% | 3,818 |
| Net charge-offs to loans | 0.0092% | 2,654 |
| Credit loss provision to net charge-offs | 500.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 384 |
| Efficiency ratio | 73.5568% | 2,309 |
| Assets per employee ($millions) | 4.2959% | 3,511 |
| Cash dividends to net income (ytd only)* | 65.6934% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 3,585 |
| Loan loss allowance to noncurrent loans | 131.3984% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.8447% | 2,187 |
| Noncurrent loans to loans | 0.8527% | 2,327 |
| Net loans and leases to total assets | 73.0775% | 1,899 |
| Net loans and leases to deposits | 84.3800% | 2,241 |
| Net loans and leases to core deposits | 85.2573% | 2,788 |
| Total domestic deposits to total assets | 86.6053% | 2,400 |
| Equity capital to assets | 9.8116% | 3,963 |
| Core capital (leverage) ratio | 9.7728% | 3,786 |
| Tier 1 risk-based capital ratio | 13.1776% | 3,970 |
| Total risk-based capital ratio | 14.2953% | 3,956 |
| Memoranda: | ||
| Average total assets | $58,830,500 | 5,137 |
| Average earning assets | $55,025,000 | 5,121 |
| Average equity | $5,833,500 | 5,264 |
| Average total loans | $43,647,500 | 4,740 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9129% | 3,527 |
| Cost of funding earning assets | 0.2376% | 4,678 |
| Net interest margin | 3.6753% | 2,800 |
| Noninterest income to average assets | 0.2731% | 4,784 |
| Noninterest expense to average assets | 2.7755% | 3,103 |
| Loan and lease loss provision to assets | -0.1728% | 5,762 |
| Net operating income to assets | 1.0922% | 1,929 |
| Return on assets (ROA) | 1.1112% | 1,950 |
| Pretax return on assets | 1.1112% | 3,060 |
| Return on Equity (ROE) | 10.8961% | 1,616 |
| Retained earnings to average equity (ytd only) | 3.1011% | 3,696 |
| Net charge-offs to loans | -0.0049% | 4,805 |
| Credit loss provision to net charge-offs | 5,000.0000% | 88 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1169% | 2,119 |
| Assets per employee ($millions) | 4.1084% | 3,772 |
| Cash dividends to net income (ytd only)* | 71.5397% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 3,414 |
| Loan loss allowance to noncurrent loans | 131.3830% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.9041% | 2,096 |
| Noncurrent loans to loans | 0.8776% | 2,347 |
| Net loans and leases to total assets | 73.6326% | 1,909 |
| Net loans and leases to deposits | 83.5906% | 2,466 |
| Net loans and leases to core deposits | 84.4827% | 2,981 |
| Total domestic deposits to total assets | 88.0872% | 1,591 |
| Equity capital to assets | 10.0247% | 3,695 |
| Core capital (leverage) ratio | 9.8150% | 3,720 |
| Tier 1 risk-based capital ratio | 13.5970% | 3,708 |
| Total risk-based capital ratio | 14.7503% | 3,667 |
| Memoranda: | ||
| Average total assets | $57,863,400 | 5,196 |
| Average earning assets | $53,873,200 | 5,173 |
| Average equity | $5,901,200 | 5,292 |
| Average total loans | $40,455,200 | 4,862 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 3,639 |
| Cost of funding earning assets | 0.2308% | 4,783 |
| Net interest margin | 3.6532% | 2,877 |
| Noninterest income to average assets | 0.2600% | 4,906 |
| Noninterest expense to average assets | 2.8047% | 2,994 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8421% | 3,189 |
| Return on assets (ROA) | 0.8674% | 3,188 |
| Pretax return on assets | 0.8674% | 4,088 |
| Return on Equity (ROE) | 8.4693% | 2,773 |
| Retained earnings to average equity (ytd only) | 2.4037% | 4,473 |
| Net charge-offs to loans | -0.0033% | 4,546 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9085% | 1,848 |
| Assets per employee ($millions) | 4.2102% | 3,575 |
| Cash dividends to net income (ytd only)* | 71.6184% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 2,067 |
| Loan loss allowance to noncurrent loans | 153.4884% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.9009% | 2,304 |
| Noncurrent loans to loans | 0.9312% | 2,385 |
| Net loans and leases to total assets | 69.5010% | 2,568 |
| Net loans and leases to deposits | 79.3453% | 3,041 |
| Net loans and leases to core deposits | 80.1761% | 3,429 |
| Total domestic deposits to total assets | 87.5931% | 1,615 |
| Equity capital to assets | 10.2947% | 3,811 |
| Core capital (leverage) ratio | 9.9189% | 3,671 |
| Tier 1 risk-based capital ratio | 13.5615% | 3,824 |
| Total risk-based capital ratio | 14.8141% | 3,733 |
| Memoranda: | ||
| Average total assets | $57,949,750 | 5,238 |
| Average earning assets | $53,723,750 | 5,221 |
| Average equity | $5,935,000 | 5,343 |
| Average total loans | $39,857,500 | 4,926 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8857% | 3,645 |
| Cost of funding earning assets | 0.2316% | 4,836 |
| Net interest margin | 3.6541% | 2,877 |
| Noninterest income to average assets | 0.2430% | 5,029 |
| Noninterest expense to average assets | 2.8255% | 2,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8122% | 3,254 |
| Return on assets (ROA) | 0.8435% | 3,247 |
| Pretax return on assets | 0.8435% | 4,147 |
| Return on Equity (ROE) | 8.2503% | 2,861 |
| Retained earnings to average equity (ytd only) | 2.1390% | 4,500 |
| Net charge-offs to loans | -0.0102% | 4,702 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6718% | 1,842 |
| Assets per employee ($millions) | 4.1324% | 3,686 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 1,843 |
| Loan loss allowance to noncurrent loans | 137.5000% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.9956% | 2,146 |
| Noncurrent loans to loans | 1.0936% | 2,097 |
| Net loans and leases to total assets | 67.2532% | 2,902 |
| Net loans and leases to deposits | 76.9328% | 3,277 |
| Net loans and leases to core deposits | 77.7522% | 3,663 |
| Total domestic deposits to total assets | 87.4181% | 1,706 |
| Equity capital to assets | 10.5301% | 3,606 |
| Core capital (leverage) ratio | 9.8281% | 3,778 |
| Tier 1 risk-based capital ratio | 13.9160% | 3,649 |
| Total risk-based capital ratio | 15.1673% | 3,569 |
| Memoranda: | ||
| Average total assets | $57,618,670 | 5,301 |
| Average earning assets | $53,529,330 | 5,278 |
| Average equity | $5,890,670 | 5,406 |
| Average total loans | $39,290,000 | 4,992 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8316% | 3,834 |
| Cost of funding earning assets | 0.2306% | 4,896 |
| Net interest margin | 3.6010% | 3,077 |
| Noninterest income to average assets | 0.1948% | 5,342 |
| Noninterest expense to average assets | 2.7269% | 3,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8348% | 3,063 |
| Return on assets (ROA) | 0.8348% | 3,197 |
| Pretax return on assets | 0.8348% | 4,082 |
| Return on Equity (ROE) | 8.2902% | 2,765 |
| Retained earnings to average equity (ytd only) | 2.0725% | 4,426 |
| Net charge-offs to loans | -0.0102% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5625% | 2,097 |
| Assets per employee ($millions) | 4.0919% | 3,786 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 1,883 |
| Loan loss allowance to noncurrent loans | 105.3286% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.2342% | 1,763 |
| Noncurrent loans to loans | 1.4480% | 1,634 |
| Net loans and leases to total assets | 66.8348% | 2,840 |
| Net loans and leases to deposits | 76.0840% | 3,213 |
| Net loans and leases to core deposits | 76.8985% | 3,594 |
| Total domestic deposits to total assets | 87.8435% | 1,727 |
| Equity capital to assets | 10.2049% | 3,836 |
| Core capital (leverage) ratio | 9.8334% | 3,737 |
| Tier 1 risk-based capital ratio | 14.0546% | 3,656 |
| Total risk-based capital ratio | 15.3084% | 3,584 |
| Memoranda: | ||
| Average total assets | $57,501,500 | 5,348 |
| Average earning assets | $53,763,000 | 5,323 |
| Average equity | $5,790,000 | 5,456 |
| Average total loans | $39,184,000 | 5,039 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0441% | 3,142 |
| Cost of funding earning assets | 0.2294% | 5,013 |
| Net interest margin | 3.8147% | 2,324 |
| Noninterest income to average assets | 0.2854% | 4,848 |
| Noninterest expense to average assets | 2.6974% | 3,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1329% | 1,799 |
| Return on assets (ROA) | 1.1931% | 1,650 |
| Pretax return on assets | 1.1931% | 2,683 |
| Return on Equity (ROE) | 11.8462% | 1,342 |
| Retained earnings to average equity (ytd only) | -0.7511% | 5,629 |
| Net charge-offs to loans | -0.1465% | 5,889 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4219% | 3,156 |
| Assets per employee ($millions) | 4.1226% | 3,710 |
| Cash dividends to net income (ytd only)* | 106.3401% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 1,994 |
| Loan loss allowance to noncurrent loans | 119.7980% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 1.1348% | 1,930 |
| Noncurrent loans to loans | 1.2535% | 1,880 |
| Net loans and leases to total assets | 67.3892% | 2,802 |
| Net loans and leases to deposits | 75.7405% | 3,287 |
| Net loans and leases to core deposits | 76.1214% | 3,744 |
| Total domestic deposits to total assets | 88.9738% | 1,126 |
| Equity capital to assets | 9.9347% | 4,039 |
| Core capital (leverage) ratio | 9.7387% | 3,849 |
| Tier 1 risk-based capital ratio | 13.6208% | 3,935 |
| Total risk-based capital ratio | 14.8737% | 3,864 |
| Memoranda: | ||
| Average total assets | $58,167,600 | 5,360 |
| Average earning assets | $54,053,800 | 5,341 |
| Average equity | $5,858,400 | 5,465 |
| Average total loans | $39,581,600 | 5,031 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 3,028 |
| Cost of funding earning assets | 0.2347% | 5,045 |
| Net interest margin | 3.8450% | 2,215 |
| Noninterest income to average assets | 0.2677% | 5,020 |
| Noninterest expense to average assets | 2.7476% | 3,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0798% | 2,097 |
| Return on assets (ROA) | 1.1599% | 1,864 |
| Pretax return on assets | 1.1599% | 2,973 |
| Return on Equity (ROE) | 11.4777% | 1,536 |
| Retained earnings to average equity (ytd only) | 5.3653% | 2,668 |
| Net charge-offs to loans | -0.1986% | 5,990 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7872% | 2,918 |
| Assets per employee ($millions) | 4.8503% | 2,489 |
| Cash dividends to net income (ytd only)* | 53.2545% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 2,123 |
| Loan loss allowance to noncurrent loans | 117.1937% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.1443% | 2,083 |
| Noncurrent loans to loans | 1.2874% | 1,985 |
| Net loans and leases to total assets | 66.5092% | 2,932 |
| Net loans and leases to deposits | 74.4385% | 3,496 |
| Net loans and leases to core deposits | 74.8082% | 3,928 |
| Total domestic deposits to total assets | 89.3478% | 841 |
| Equity capital to assets | 10.2914% | 3,824 |
| Core capital (leverage) ratio | 10.1735% | 3,412 |
| Tier 1 risk-based capital ratio | 14.5310% | 3,547 |
| Total risk-based capital ratio | 15.7847% | 3,464 |
| Memoranda: | ||
| Average total assets | $58,280,250 | 5,425 |
| Average earning assets | $53,955,500 | 5,409 |
| Average equity | $5,889,500 | 5,528 |
| Average total loans | $39,605,000 | 5,082 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0059% | 3,265 |
| Cost of funding earning assets | 0.2402% | 5,051 |
| Net interest margin | 3.7657% | 2,456 |
| Noninterest income to average assets | 0.2367% | 5,263 |
| Noninterest expense to average assets | 2.6721% | 3,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0599% | 2,101 |
| Return on assets (ROA) | 1.1800% | 1,736 |
| Pretax return on assets | 1.1800% | 2,858 |
| Return on Equity (ROE) | 11.7486% | 1,453 |
| Retained earnings to average equity (ytd only) | 5.6011% | 2,466 |
| Net charge-offs to loans | 0.0050% | 3,720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 309.0000% | 222 |
| Efficiency ratio | 71.5993% | 3,054 |
| Assets per employee ($millions) | 4.1684% | 3,530 |
| Cash dividends to net income (ytd only)* | 52.3256% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 2,971 |
| Loan loss allowance to noncurrent loans | 85.0080% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.3486% | 1,858 |
| Noncurrent loans to loans | 1.5926% | 1,646 |
| Net loans and leases to total assets | 66.5490% | 2,860 |
| Net loans and leases to deposits | 74.1598% | 3,473 |
| Net loans and leases to core deposits | 74.5255% | 3,904 |
| Total domestic deposits to total assets | 89.7373% | 771 |
| Equity capital to assets | 9.9680% | 4,076 |
| Core capital (leverage) ratio | 9.9184% | 3,717 |
| Tier 1 risk-based capital ratio | 14.1110% | 3,858 |
| Total risk-based capital ratio | 15.3605% | 3,791 |
| Memoranda: | ||
| Average total assets | $58,305,670 | 5,479 |
| Average earning assets | $54,120,000 | 5,459 |
| Average equity | $5,856,000 | 5,584 |
| Average total loans | $39,705,330 | 5,126 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0869% | 2,888 |
| Cost of funding earning assets | 0.2382% | 5,140 |
| Net interest margin | 3.8487% | 2,073 |
| Noninterest income to average assets | 0.1647% | 5,746 |
| Noninterest expense to average assets | 2.5944% | 3,957 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1187% | 1,800 |
| Return on assets (ROA) | 1.1187% | 1,909 |
| Pretax return on assets | 1.1187% | 2,998 |
| Return on Equity (ROE) | 11.0969% | 1,607 |
| Retained earnings to average equity (ytd only) | 4.9698% | 3,071 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8706% | 3,510 |
| Assets per employee ($millions) | 4.2257% | 3,518 |
| Cash dividends to net income (ytd only)* | 55.2147% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 3,203 |
| Loan loss allowance to noncurrent loans | 83.5681% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.3506% | 1,970 |
| Noncurrent loans to loans | 1.6011% | 1,745 |
| Net loans and leases to total assets | 66.5585% | 2,682 |
| Net loans and leases to deposits | 74.1181% | 3,293 |
| Net loans and leases to core deposits | 74.4770% | 3,740 |
| Total domestic deposits to total assets | 89.8005% | 846 |
| Equity capital to assets | 10.0625% | 4,073 |
| Core capital (leverage) ratio | 9.9262% | 3,706 |
| Tier 1 risk-based capital ratio | 14.0690% | 3,963 |
| Total risk-based capital ratio | 15.3173% | 3,890 |
| Memoranda: | ||
| Average total assets | $58,280,000 | 5,537 |
| Average earning assets | $53,733,000 | 5,520 |
| Average equity | $5,875,500 | 5,630 |
| Average total loans | $39,873,500 | 5,144 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2400% | 2,818 |
| Cost of funding earning assets | 0.2733% | 5,063 |
| Net interest margin | 3.9667% | 1,993 |
| Noninterest income to average assets | 0.2400% | 5,410 |
| Noninterest expense to average assets | 2.6776% | 3,954 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2514% | 1,428 |
| Return on assets (ROA) | 1.2426% | 1,516 |
| Pretax return on assets | 1.2426% | 2,480 |
| Return on Equity (ROE) | 12.6382% | 1,230 |
| Retained earnings to average equity (ytd only) | 3.1775% | 3,975 |
| Net charge-offs to loans | 0.0381% | 4,069 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 47.2667% | 971 |
| Efficiency ratio | 68.1491% | 3,876 |
| Assets per employee ($millions) | 4.1000% | 3,721 |
| Cash dividends to net income (ytd only)* | 74.8580% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 3,231 |
| Loan loss allowance to noncurrent loans | 81.9018% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.4495% | 1,899 |
| Noncurrent loans to loans | 1.6367% | 1,794 |
| Net loans and leases to total assets | 68.4721% | 2,495 |
| Net loans and leases to deposits | 76.2247% | 3,174 |
| Net loans and leases to core deposits | 76.6051% | 3,647 |
| Total domestic deposits to total assets | 89.8293% | 809 |
| Equity capital to assets | 10.1010% | 3,984 |
| Core capital (leverage) ratio | 9.8289% | 3,801 |
| Tier 1 risk-based capital ratio | 14.4234% | 3,819 |
| Total risk-based capital ratio | 15.6740% | 3,756 |
| Memoranda: | ||
| Average total assets | $56,655,800 | 5,633 |
| Average earning assets | $52,688,600 | 5,602 |
| Average equity | $5,570,400 | 5,721 |
| Average total loans | $39,408,600 | 5,208 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2320% | 2,879 |
| Cost of funding earning assets | 0.2796% | 5,100 |
| Net interest margin | 3.9525% | 2,026 |
| Noninterest income to average assets | 0.2219% | 5,602 |
| Noninterest expense to average assets | 2.7436% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1499% | 1,868 |
| Return on assets (ROA) | 1.1428% | 1,952 |
| Pretax return on assets | 1.1428% | 3,021 |
| Return on Equity (ROE) | 11.7044% | 1,559 |
| Retained earnings to average equity (ytd only) | 1.1367% | 5,432 |
| Net charge-offs to loans | -0.0034% | 5,236 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4669% | 3,428 |
| Assets per employee ($millions) | 4.0884% | 3,690 |
| Cash dividends to net income (ytd only)* | 90.2885% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3607% | 3,351 |
| Loan loss allowance to noncurrent loans | 77.6836% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.5514% | 1,976 |
| Noncurrent loans to loans | 1.7516% | 1,850 |
| Net loans and leases to total assets | 69.6595% | 2,249 |
| Net loans and leases to deposits | 78.2797% | 2,917 |
| Net loans and leases to core deposits | 78.6736% | 3,474 |
| Total domestic deposits to total assets | 88.9879% | 1,246 |
| Equity capital to assets | 9.7769% | 4,447 |
| Core capital (leverage) ratio | 9.6675% | 4,131 |
| Tier 1 risk-based capital ratio | 13.8858% | 4,297 |
| Total risk-based capital ratio | 15.1380% | 4,240 |
| Memoranda: | ||
| Average total assets | $56,469,750 | 5,703 |
| Average earning assets | $52,455,500 | 5,669 |
| Average equity | $5,513,500 | 5,796 |
| Average total loans | $39,301,500 | 5,266 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2230% | 2,872 |
| Cost of funding earning assets | 0.2871% | 5,108 |
| Net interest margin | 3.9359% | 2,025 |
| Noninterest income to average assets | 0.1672% | 5,951 |
| Noninterest expense to average assets | 2.6897% | 3,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1349% | 1,803 |
| Return on assets (ROA) | 1.1349% | 1,889 |
| Pretax return on assets | 1.1349% | 2,952 |
| Return on Equity (ROE) | 11.6296% | 1,541 |
| Retained earnings to average equity (ytd only) | 5.0674% | 2,921 |
| Net charge-offs to loans | -0.0103% | 5,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3256% | 3,604 |
| Assets per employee ($millions) | 4.0609% | 3,709 |
| Cash dividends to net income (ytd only)* | 56.4263% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 3,257 |
| Loan loss allowance to noncurrent loans | 79.6243% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.5338% | 2,122 |
| Noncurrent loans to loans | 1.7804% | 1,934 |
| Net loans and leases to total assets | 67.3978% | 2,514 |
| Net loans and leases to deposits | 75.1240% | 3,175 |
| Net loans and leases to core deposits | 75.5015% | 3,674 |
| Total domestic deposits to total assets | 89.7154% | 957 |
| Equity capital to assets | 10.0014% | 4,106 |
| Core capital (leverage) ratio | 9.7892% | 3,900 |
| Tier 1 risk-based capital ratio | 14.4484% | 3,962 |
| Total risk-based capital ratio | 15.6995% | 3,899 |
| Memoranda: | ||
| Average total assets | $56,214,000 | 5,755 |
| Average earning assets | $52,237,670 | 5,727 |
| Average equity | $5,486,000 | 5,837 |
| Average total loans | $38,928,330 | 5,316 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2875% | 2,569 |
| Cost of funding earning assets | 0.2895% | 5,177 |
| Net interest margin | 3.9980% | 1,770 |
| Noninterest income to average assets | 0.0286% | 6,542 |
| Noninterest expense to average assets | 2.6335% | 4,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0520% | 1,999 |
| Return on assets (ROA) | 1.0520% | 2,067 |
| Pretax return on assets | 1.0520% | 3,127 |
| Return on Equity (ROE) | 10.9172% | 1,714 |
| Retained earnings to average equity (ytd only) | 4.2332% | 3,592 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4563% | 3,590 |
| Assets per employee ($millions) | 4.1524% | 3,620 |
| Cash dividends to net income (ytd only)* | 61.2245% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 3,503 |
| Loan loss allowance to noncurrent loans | 78.7661% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.5086% | 2,343 |
| Noncurrent loans to loans | 1.8019% | 2,136 |
| Net loans and leases to total assets | 65.5944% | 2,627 |
| Net loans and leases to deposits | 72.5384% | 3,266 |
| Net loans and leases to core deposits | 72.8920% | 3,775 |
| Total domestic deposits to total assets | 90.4271% | 842 |
| Equity capital to assets | 9.4404% | 4,578 |
| Core capital (leverage) ratio | 9.9610% | 3,618 |
| Tier 1 risk-based capital ratio | 14.3977% | 4,067 |
| Total risk-based capital ratio | 15.6499% | 4,025 |
| Memoranda: | ||
| Average total assets | $55,895,000 | 5,817 |
| Average earning assets | $51,125,000 | 5,809 |
| Average equity | $5,386,000 | 5,901 |
| Average total loans | $38,958,500 | 5,359 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4974% | 2,216 |
| Cost of funding earning assets | 0.3340% | 5,291 |
| Net interest margin | 4.1634% | 1,466 |
| Noninterest income to average assets | 0.2056% | 5,852 |
| Noninterest expense to average assets | 2.7047% | 4,078 |
| Loan and lease loss provision to assets | 0.0766% | 3,576 |
| Net operating income to assets | 1.2224% | 1,477 |
| Return on assets (ROA) | 1.2262% | 1,529 |
| Pretax return on assets | 1.2262% | 2,475 |
| Return on Equity (ROE) | 12.3905% | 1,310 |
| Retained earnings to average equity (ytd only) | 5.5908% | 2,227 |
| Net charge-offs to loans | 0.0026% | 5,427 |
| Credit loss provision to net charge-offs | 4,100.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 695.0000% | 57 |
| Efficiency ratio | 67.5537% | 4,281 |
| Assets per employee ($millions) | 3.8326% | 4,195 |
| Cash dividends to net income (ytd only)* | 54.8780% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 3,662 |
| Loan loss allowance to noncurrent loans | 63.3218% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 2.0072% | 1,786 |
| Noncurrent loans to loans | 2.2097% | 1,763 |
| Net loans and leases to total assets | 72.1006% | 1,664 |
| Net loans and leases to deposits | 80.0360% | 2,454 |
| Net loans and leases to core deposits | 80.4588% | 3,071 |
| Total domestic deposits to total assets | 90.0852% | 1,030 |
| Equity capital to assets | 9.8477% | 3,964 |
| Core capital (leverage) ratio | 10.0616% | 3,478 |
| Tier 1 risk-based capital ratio | 14.2813% | 4,095 |
| Total risk-based capital ratio | 15.5336% | 4,034 |
| Memoranda: | ||
| Average total assets | $53,499,600 | 5,929 |
| Average earning assets | $48,805,800 | 5,924 |
| Average equity | $5,294,400 | 5,994 |
| Average total loans | $38,570,200 | 5,410 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5313% | 2,115 |
| Cost of funding earning assets | 0.3420% | 5,366 |
| Net interest margin | 4.1894% | 1,368 |
| Noninterest income to average assets | 0.1671% | 6,186 |
| Noninterest expense to average assets | 2.7135% | 3,971 |
| Loan and lease loss provision to assets | 0.1023% | 3,058 |
| Net operating income to assets | 1.1398% | 1,854 |
| Return on assets (ROA) | 1.1447% | 1,905 |
| Pretax return on assets | 1.1447% | 2,923 |
| Return on Equity (ROE) | 11.5533% | 1,642 |
| Retained earnings to average equity (ytd only) | 4.7572% | 3,263 |
| Net charge-offs to loans | 0.0035% | 5,137 |
| Credit loss provision to net charge-offs | 4,100.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 499.2331% | 116 |
| Efficiency ratio | 68.6003% | 3,979 |
| Assets per employee ($millions) | 3.8834% | 4,063 |
| Cash dividends to net income (ytd only)* | 58.8238% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 3,767 |
| Loan loss allowance to noncurrent loans | 75.7241% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.7198% | 2,386 |
| Noncurrent loans to loans | 1.8901% | 2,383 |
| Net loans and leases to total assets | 69.5427% | 2,040 |
| Net loans and leases to deposits | 77.2511% | 2,783 |
| Net loans and leases to core deposits | 77.6541% | 3,400 |
| Total domestic deposits to total assets | 90.0217% | 985 |
| Equity capital to assets | 9.6362% | 4,375 |
| Core capital (leverage) ratio | 9.9424% | 3,753 |
| Tier 1 risk-based capital ratio | 14.3823% | 4,162 |
| Total risk-based capital ratio | 15.6339% | 4,116 |
| Memoranda: | ||
| Average total assets | $53,460,250 | 5,996 |
| Average earning assets | $48,343,500 | 5,999 |
| Average equity | $5,297,000 | 6,061 |
| Average total loans | $38,403,750 | 5,464 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5679% | 1,964 |
| Cost of funding earning assets | 0.3466% | 5,441 |
| Net interest margin | 4.2214% | 1,221 |
| Noninterest income to average assets | 0.1392% | 6,356 |
| Noninterest expense to average assets | 2.8105% | 3,637 |
| Loan and lease loss provision to assets | 0.1543% | 2,386 |
| Net operating income to assets | 0.9782% | 2,417 |
| Return on assets (ROA) | 0.9857% | 2,535 |
| Pretax return on assets | 0.9857% | 3,571 |
| Return on Equity (ROE) | 9.8564% | 2,256 |
| Retained earnings to average equity (ytd only) | 3.0848% | 4,357 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2786% | 3,595 |
| Assets per employee ($millions) | 3.8824% | 4,041 |
| Cash dividends to net income (ytd only)* | 68.7023% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4469% | 3,822 |
| Loan loss allowance to noncurrent loans | 75.7576% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.8508% | 2,341 |
| Noncurrent loans to loans | 1.9100% | 2,494 |
| Net loans and leases to total assets | 68.9204% | 2,075 |
| Net loans and leases to deposits | 76.4120% | 2,819 |
| Net loans and leases to core deposits | 76.8084% | 3,454 |
| Total domestic deposits to total assets | 90.1958% | 915 |
| Equity capital to assets | 9.4952% | 4,587 |
| Core capital (leverage) ratio | 9.8557% | 3,708 |
| Tier 1 risk-based capital ratio | 14.0331% | 4,398 |
| Total risk-based capital ratio | 15.2869% | 4,356 |
| Memoranda: | ||
| Average total assets | $53,157,670 | 6,046 |
| Average earning assets | $47,899,000 | 6,045 |
| Average equity | $5,316,330 | 6,098 |
| Average total loans | $38,419,000 | 5,487 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5660% | 1,932 |
| Cost of funding earning assets | 0.3525% | 5,512 |
| Net interest margin | 4.2134% | 1,155 |
| Noninterest income to average assets | 0.0533% | 6,721 |
| Noninterest expense to average assets | 2.8082% | 3,667 |
| Loan and lease loss provision to assets | 0.1522% | 2,343 |
| Net operating income to assets | 0.9133% | 2,593 |
| Return on assets (ROA) | 0.9285% | 2,671 |
| Pretax return on assets | 0.9285% | 3,655 |
| Return on Equity (ROE) | 9.0471% | 2,472 |
| Retained earnings to average equity (ytd only) | 2.3730% | 4,842 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4951% | 3,519 |
| Assets per employee ($millions) | 3.8196% | 4,319 |
| Cash dividends to net income (ytd only)* | 73.7705% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 4,369 |
| Loan loss allowance to noncurrent loans | 72.1692% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.9112% | 2,461 |
| Noncurrent loans to loans | 1.9014% | 2,736 |
| Net loans and leases to total assets | 71.1005% | 1,502 |
| Net loans and leases to deposits | 79.2649% | 2,176 |
| Net loans and leases to core deposits | 79.6835% | 2,845 |
| Total domestic deposits to total assets | 89.6999% | 1,231 |
| Equity capital to assets | 10.1038% | 4,015 |
| Core capital (leverage) ratio | 10.1343% | 3,235 |
| Tier 1 risk-based capital ratio | 13.9990% | 4,502 |
| Total risk-based capital ratio | 15.2508% | 4,461 |
| Memoranda: | ||
| Average total assets | $52,559,500 | 6,111 |
| Average earning assets | $47,657,000 | 6,104 |
| Average equity | $5,394,000 | 6,143 |
| Average total loans | $38,623,000 | 5,524 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9025% | 1,830 |
| Cost of funding earning assets | 0.4085% | 5,857 |
| Net interest margin | 4.4940% | 958 |
| Noninterest income to average assets | 0.2857% | 5,429 |
| Noninterest expense to average assets | 2.8647% | 3,790 |
| Loan and lease loss provision to assets | 0.4814% | 1,273 |
| Net operating income to assets | 1.0938% | 1,958 |
| Return on assets (ROA) | 1.0938% | 2,140 |
| Pretax return on assets | 1.0938% | 3,182 |
| Return on Equity (ROE) | 10.7446% | 1,892 |
| Retained earnings to average equity (ytd only) | 4.7861% | 2,859 |
| Net charge-offs to loans | 1.3843% | 668 |
| Credit loss provision to net charge-offs | 47.0363% | 4,763 |
| Earnings coverage of net charge-offs (x) | 1.5392% | 4,674 |
| Efficiency ratio | 64.5218% | 4,792 |
| Assets per employee ($millions) | 3.6889% | 4,587 |
| Cash dividends to net income (ytd only)* | 55.4562% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 4,550 |
| Loan loss allowance to noncurrent loans | 79.5313% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.8569% | 2,625 |
| Noncurrent loans to loans | 1.6539% | 3,144 |
| Net loans and leases to total assets | 73.9428% | 1,204 |
| Net loans and leases to deposits | 82.6129% | 1,919 |
| Net loans and leases to core deposits | 83.0658% | 2,663 |
| Total domestic deposits to total assets | 89.5051% | 1,239 |
| Equity capital to assets | 10.4272% | 3,618 |
| Core capital (leverage) ratio | 10.1151% | 3,254 |
| Tier 1 risk-based capital ratio | 14.0455% | 4,353 |
| Total risk-based capital ratio | 15.2957% | 4,312 |
| Memoranda: | ||
| Average total assets | $51,105,000 | 6,178 |
| Average earning assets | $47,240,800 | 6,144 |
| Average equity | $5,202,600 | 6,243 |
| Average total loans | $37,780,800 | 5,597 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9486% | 1,838 |
| Cost of funding earning assets | 0.4195% | 5,994 |
| Net interest margin | 4.5291% | 936 |
| Noninterest income to average assets | 0.2720% | 5,611 |
| Noninterest expense to average assets | 2.9690% | 3,341 |
| Loan and lease loss provision to assets | 0.6095% | 893 |
| Net operating income to assets | 0.8737% | 3,114 |
| Return on assets (ROA) | 0.8737% | 3,359 |
| Pretax return on assets | 0.8737% | 4,214 |
| Return on Equity (ROE) | 8.6353% | 2,984 |
| Retained earnings to average equity (ytd only) | 2.9475% | 4,791 |
| Net charge-offs to loans | 1.3279% | 702 |
| Credit loss provision to net charge-offs | 62.2995% | 4,094 |
| Earnings coverage of net charge-offs (x) | 1.5161% | 4,524 |
| Efficiency ratio | 66.6863% | 4,315 |
| Assets per employee ($millions) | 3.6506% | 4,655 |
| Cash dividends to net income (ytd only)* | 65.8695% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6881% | 3,191 |
| Loan loss allowance to noncurrent loans | 80.6250% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 2.1895% | 2,443 |
| Noncurrent loans to loans | 2.0938% | 2,745 |
| Net loans and leases to total assets | 73.4973% | 1,318 |
| Net loans and leases to deposits | 82.2632% | 2,082 |
| Net loans and leases to core deposits | 83.2772% | 2,779 |
| Total domestic deposits to total assets | 89.3441% | 1,219 |
| Equity capital to assets | 10.2743% | 4,105 |
| Core capital (leverage) ratio | 9.9475% | 3,620 |
| Tier 1 risk-based capital ratio | 13.9690% | 4,549 |
| Total risk-based capital ratio | 15.2261% | 4,492 |
| Memoranda: | ||
| Average total assets | $50,970,250 | 6,254 |
| Average earning assets | $47,042,750 | 6,221 |
| Average equity | $5,157,000 | 6,323 |
| Average total loans | $37,552,000 | 5,679 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9731% | 1,864 |
| Cost of funding earning assets | 0.4265% | 6,123 |
| Net interest margin | 4.5466% | 916 |
| Noninterest income to average assets | 0.2435% | 5,828 |
| Noninterest expense to average assets | 3.0241% | 3,170 |
| Loan and lease loss provision to assets | 0.8601% | 562 |
| Net operating income to assets | 0.5459% | 4,598 |
| Return on assets (ROA) | 0.5459% | 4,881 |
| Pretax return on assets | 0.5459% | 5,320 |
| Return on Equity (ROE) | 5.4237% | 4,615 |
| Retained earnings to average equity (ytd only) | 0.3512% | 5,930 |
| Net charge-offs to loans | 2.0089% | 413 |
| Credit loss provision to net charge-offs | 58.4000% | 3,843 |
| Earnings coverage of net charge-offs (x) | 0.9547% | 4,557 |
| Efficiency ratio | 68.2624% | 4,072 |
| Assets per employee ($millions) | 3.7158% | 4,486 |
| Cash dividends to net income (ytd only)* | 93.5252% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 3,316 |
| Loan loss allowance to noncurrent loans | 78.7500% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 2.2433% | 2,494 |
| Noncurrent loans to loans | 2.1321% | 2,785 |
| Net loans and leases to total assets | 70.9175% | 1,746 |
| Net loans and leases to deposits | 78.9032% | 2,535 |
| Net loans and leases to core deposits | 79.8511% | 3,241 |
| Total domestic deposits to total assets | 89.8791% | 995 |
| Equity capital to assets | 9.8614% | 4,528 |
| Core capital (leverage) ratio | 9.5382% | 4,093 |
| Tier 1 risk-based capital ratio | 13.6924% | 4,673 |
| Total risk-based capital ratio | 14.9482% | 4,642 |
| Memoranda: | ||
| Average total assets | $50,924,330 | 6,295 |
| Average earning assets | $46,892,000 | 6,266 |
| Average equity | $5,125,670 | 6,360 |
| Average total loans | $37,333,330 | 5,714 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9665% | 2,014 |
| Cost of funding earning assets | 0.4281% | 6,269 |
| Net interest margin | 4.5384% | 943 |
| Noninterest income to average assets | 0.0715% | 6,853 |
| Noninterest expense to average assets | 3.0014% | 3,242 |
| Loan and lease loss provision to assets | 0.0873% | 4,282 |
| Net operating income to assets | 1.1910% | 1,764 |
| Return on assets (ROA) | 1.1910% | 1,949 |
| Pretax return on assets | 1.1910% | 2,943 |
| Return on Equity (ROE) | 11.7107% | 1,765 |
| Retained earnings to average equity (ytd only) | 7.0264% | 2,428 |
| Net charge-offs to loans | 1.4823% | 676 |
| Credit loss provision to net charge-offs | 7.9710% | 3,929 |
| Earnings coverage of net charge-offs (x) | 1.1667% | 3,751 |
| Efficiency ratio | 70.1299% | 3,781 |
| Assets per employee ($millions) | 3.6946% | 4,664 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7599% | 3,127 |
| Loan loss allowance to noncurrent loans | 62.9417% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 2.7337% | 2,155 |
| Noncurrent loans to loans | 2.7960% | 2,316 |
| Net loans and leases to total assets | 71.1217% | 1,550 |
| Net loans and leases to deposits | 79.1595% | 2,321 |
| Net loans and leases to core deposits | 79.6807% | 3,101 |
| Total domestic deposits to total assets | 89.8461% | 1,163 |
| Equity capital to assets | 9.9528% | 4,183 |
| Core capital (leverage) ratio | 9.9911% | 3,374 |
| Tier 1 risk-based capital ratio | 13.8761% | 4,547 |
| Total risk-based capital ratio | 15.1339% | 4,527 |
| Memoranda: | ||
| Average total assets | $50,376,000 | 6,360 |
| Average earning assets | $46,713,000 | 6,307 |
| Average equity | $5,123,500 | 6,391 |
| Average total loans | $37,239,000 | 5,770 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1366% | 2,305 |
| Cost of funding earning assets | 0.5840% | 6,166 |
| Net interest margin | 4.5526% | 1,021 |
| Noninterest income to average assets | 0.3241% | 5,222 |
| Noninterest expense to average assets | 2.8765% | 4,053 |
| Loan and lease loss provision to assets | 0.2107% | 4,079 |
| Net operating income to assets | 1.4220% | 986 |
| Return on assets (ROA) | 1.5983% | 720 |
| Pretax return on assets | 1.5983% | 1,204 |
| Return on Equity (ROE) | 16.5111% | 534 |
| Retained earnings to average equity (ytd only) | 11.4887% | 350 |
| Net charge-offs to loans | 0.1701% | 4,796 |
| Credit loss provision to net charge-offs | 170.4918% | 1,574 |
| Earnings coverage of net charge-offs (x) | 13.2131% | 1,556 |
| Efficiency ratio | 63.7916% | 5,162 |
| Assets per employee ($millions) | 3.5020% | 5,009 |
| Cash dividends to net income (ytd only)* | 30.4183% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1225% | 1,945 |
| Loan loss allowance to noncurrent loans | 91.7153% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 2.3966% | 2,538 |
| Noncurrent loans to loans | 2.3142% | 2,843 |
| Net loans and leases to total assets | 73.9292% | 1,284 |
| Net loans and leases to deposits | 82.5837% | 2,124 |
| Net loans and leases to core deposits | 83.6395% | 2,938 |
| Total domestic deposits to total assets | 89.5203% | 1,255 |
| Equity capital to assets | 10.4002% | 3,654 |
| Core capital (leverage) ratio | 10.0825% | 3,243 |
| Tier 1 risk-based capital ratio | 13.9701% | 4,344 |
| Total risk-based capital ratio | 15.2309% | 4,292 |
| Memoranda: | ||
| Average total assets | $49,366,000 | 6,385 |
| Average earning assets | $45,380,200 | 6,349 |
| Average equity | $4,778,600 | 6,512 |
| Average total loans | $35,855,200 | 5,875 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 2,364 |
| Cost of funding earning assets | 0.6238% | 6,162 |
| Net interest margin | 4.5318% | 1,082 |
| Noninterest income to average assets | 0.2912% | 5,526 |
| Noninterest expense to average assets | 2.9928% | 3,577 |
| Loan and lease loss provision to assets | 0.1833% | 4,200 |
| Net operating income to assets | 1.2484% | 1,522 |
| Return on assets (ROA) | 1.4829% | 1,057 |
| Pretax return on assets | 1.4829% | 1,694 |
| Return on Equity (ROE) | 15.6075% | 732 |
| Retained earnings to average equity (ytd only) | 14.4723% | 270 |
| Net charge-offs to loans | -0.0150% | 6,845 |
| Credit loss provision to net charge-offs | -1,700.0000% | 6,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6417% | 4,392 |
| Assets per employee ($millions) | 3.5427% | 4,894 |
| Cash dividends to net income (ytd only)* | 7.2724% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2236% | 1,816 |
| Loan loss allowance to noncurrent loans | 88.4908% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 2.4013% | 2,683 |
| Noncurrent loans to loans | 2.5128% | 2,757 |
| Net loans and leases to total assets | 72.2549% | 1,658 |
| Net loans and leases to deposits | 81.7711% | 2,401 |
| Net loans and leases to core deposits | 82.3385% | 3,276 |
| Total domestic deposits to total assets | 88.3624% | 1,831 |
| Equity capital to assets | 10.2262% | 4,051 |
| Core capital (leverage) ratio | 9.8705% | 3,616 |
| Tier 1 risk-based capital ratio | 13.9756% | 4,367 |
| Total risk-based capital ratio | 15.2384% | 4,334 |
| Memoranda: | ||
| Average total assets | $49,450,500 | 6,437 |
| Average earning assets | $45,102,000 | 6,418 |
| Average equity | $4,698,500 | 6,585 |
| Average total loans | $35,561,000 | 5,942 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2065% | 2,233 |
| Cost of funding earning assets | 0.6626% | 6,162 |
| Net interest margin | 4.5440% | 1,027 |
| Noninterest income to average assets | 0.2065% | 6,185 |
| Noninterest expense to average assets | 2.9918% | 3,672 |
| Loan and lease loss provision to assets | 0.1741% | 4,185 |
| Net operating income to assets | 1.1498% | 1,718 |
| Return on assets (ROA) | 1.4332% | 1,072 |
| Pretax return on assets | 1.4332% | 1,713 |
| Return on Equity (ROE) | 15.4788% | 725 |
| Retained earnings to average equity (ytd only) | 13.7298% | 336 |
| Net charge-offs to loans | -0.0284% | 6,907 |
| Credit loss provision to net charge-offs | -860.0000% | 6,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3246% | 4,255 |
| Assets per employee ($millions) | 3.5721% | 4,742 |
| Cash dividends to net income (ytd only)* | 11.2994% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2340% | 1,853 |
| Loan loss allowance to noncurrent loans | 101.6710% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 2.0956% | 3,111 |
| Noncurrent loans to loans | 2.1972% | 3,227 |
| Net loans and leases to total assets | 69.2202% | 2,372 |
| Net loans and leases to deposits | 77.6775% | 3,185 |
| Net loans and leases to core deposits | 78.2075% | 4,030 |
| Total domestic deposits to total assets | 89.1122% | 1,474 |
| Equity capital to assets | 9.5741% | 4,700 |
| Core capital (leverage) ratio | 9.2597% | 4,315 |
| Tier 1 risk-based capital ratio | 13.7595% | 4,327 |
| Total risk-based capital ratio | 15.0223% | 4,300 |
| Memoranda: | ||
| Average total assets | $49,401,330 | 6,500 |
| Average earning assets | $44,674,670 | 6,488 |
| Average equity | $4,574,000 | 6,658 |
| Average total loans | $35,197,330 | 6,016 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2056% | 2,205 |
| Cost of funding earning assets | 0.6971% | 6,158 |
| Net interest margin | 4.5085% | 1,055 |
| Noninterest income to average assets | 0.1711% | 6,498 |
| Noninterest expense to average assets | 3.0063% | 3,624 |
| Loan and lease loss provision to assets | 0.3340% | 2,558 |
| Net operating income to assets | 0.8880% | 2,626 |
| Return on assets (ROA) | 1.4502% | 1,025 |
| Pretax return on assets | 1.4502% | 1,598 |
| Return on Equity (ROE) | 15.9391% | 684 |
| Retained earnings to average equity (ytd only) | 13.2527% | 550 |
| Net charge-offs to loans | -0.0114% | 6,395 |
| Credit loss provision to net charge-offs | -4,100.0000% | 6,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0983% | 4,035 |
| Assets per employee ($millions) | 3.5999% | 4,753 |
| Cash dividends to net income (ytd only)* | 16.8539% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2668% | 1,826 |
| Loan loss allowance to noncurrent loans | 101.0296% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 2.8711% | 2,405 |
| Noncurrent loans to loans | 2.2437% | 3,263 |
| Net loans and leases to total assets | 67.1574% | 2,725 |
| Net loans and leases to deposits | 74.7829% | 3,639 |
| Net loans and leases to core deposits | 75.7351% | 4,335 |
| Total domestic deposits to total assets | 89.8032% | 1,281 |
| Equity capital to assets | 9.0123% | 5,187 |
| Core capital (leverage) ratio | 9.3802% | 3,998 |
| Tier 1 risk-based capital ratio | 13.2549% | 4,614 |
| Total risk-based capital ratio | 14.5185% | 4,580 |
| Memoranda: | ||
| Average total assets | $49,097,000 | 6,555 |
| Average earning assets | $44,183,000 | 6,555 |
| Average equity | $4,467,000 | 6,718 |
| Average total loans | $35,092,000 | 6,077 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3899% | 2,721 |
| Cost of funding earning assets | 1.1200% | 5,019 |
| Net interest margin | 4.2699% | 1,919 |
| Noninterest income to average assets | -0.0609% | 7,362 |
| Noninterest expense to average assets | 2.9155% | 4,164 |
| Loan and lease loss provision to assets | 0.7776% | 2,111 |
| Net operating income to assets | 0.0853% | 5,623 |
| Return on assets (ROA) | 0.3248% | 5,009 |
| Pretax return on assets | 0.3248% | 5,163 |
| Return on Equity (ROE) | 3.6535% | 4,671 |
| Retained earnings to average equity (ytd only) | 3.4251% | 3,467 |
| Net charge-offs to loans | -0.0583% | 7,460 |
| Credit loss provision to net charge-offs | -1,915.0000% | 7,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1628% | 2,847 |
| Assets per employee ($millions) | 3.4140% | 5,140 |
| Cash dividends to net income (ytd only)* | 6.2500% | 3,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0898% | 2,088 |
| Loan loss allowance to noncurrent loans | 94.0506% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 3.1383% | 2,256 |
| Noncurrent loans to loans | 2.2220% | 3,303 |
| Net loans and leases to total assets | 72.8304% | 1,917 |
| Net loans and leases to deposits | 81.2653% | 2,941 |
| Net loans and leases to core deposits | 82.3574% | 3,852 |
| Total domestic deposits to total assets | 89.6205% | 1,312 |
| Equity capital to assets | 9.1891% | 4,857 |
| Core capital (leverage) ratio | 8.8672% | 4,755 |
| Tier 1 risk-based capital ratio | 12.7395% | 4,830 |
| Total risk-based capital ratio | 14.0005% | 4,789 |
| Memoranda: | ||
| Average total assets | $49,254,200 | 6,569 |
| Average earning assets | $44,286,400 | 6,570 |
| Average equity | $4,379,400 | 6,860 |
| Average total loans | $34,287,200 | 6,196 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4246% | 2,769 |
| Cost of funding earning assets | 1.1730% | 5,021 |
| Net interest margin | 4.2516% | 2,024 |
| Noninterest income to average assets | -0.0618% | 7,509 |
| Noninterest expense to average assets | 3.0068% | 3,715 |
| Loan and lease loss provision to assets | 0.9190% | 1,642 |
| Net operating income to assets | -0.1988% | 6,321 |
| Return on assets (ROA) | 0.1182% | 5,886 |
| Pretax return on assets | 0.1182% | 5,885 |
| Return on Equity (ROE) | 1.3406% | 5,809 |
| Retained earnings to average equity (ytd only) | 1.3406% | 5,273 |
| Net charge-offs to loans | -0.0079% | 7,248 |
| Credit loss provision to net charge-offs | -17,100.0000% | 7,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6777% | 2,256 |
| Assets per employee ($millions) | 3.5445% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0367% | 2,129 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 3.1618% | 2,277 |
| Noncurrent loans to loans | 2.3762% | 3,261 |
| Net loans and leases to total assets | 66.2979% | 3,622 |
| Net loans and leases to deposits | 77.4477% | 3,931 |
| Net loans and leases to core deposits | 77.9376% | 4,811 |
| Total domestic deposits to total assets | 85.6035% | 3,290 |
| Equity capital to assets | 8.9918% | 5,595 |
| Core capital (leverage) ratio | 8.7744% | 5,053 |
| Tier 1 risk-based capital ratio | 12.7826% | 4,746 |
| Total risk-based capital ratio | 14.0433% | 4,712 |
| Memoranda: | ||
| Average total assets | $49,618,750 | 6,635 |
| Average earning assets | $44,217,000 | 6,649 |
| Average equity | $4,376,250 | 6,954 |
| Average total loans | $33,970,750 | 6,290 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4597% | 2,702 |
| Cost of funding earning assets | 1.2143% | 5,047 |
| Net interest margin | 4.2454% | 1,981 |
| Noninterest income to average assets | -0.2701% | 7,705 |
| Noninterest expense to average assets | 3.0957% | 3,345 |
| Loan and lease loss provision to assets | 1.2133% | 1,154 |
| Net operating income to assets | -0.7739% | 6,849 |
| Return on assets (ROA) | -0.4394% | 6,636 |
| Pretax return on assets | -0.4394% | 6,542 |
| Return on Equity (ROE) | -5.0142% | 6,699 |
| Retained earnings to average equity (ytd only) | -5.0142% | 6,556 |
| Net charge-offs to loans | -0.0117% | 7,221 |
| Credit loss provision to net charge-offs | -15,050.0000% | 7,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5713% | 1,551 |
| Assets per employee ($millions) | 3.4832% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8871% | 2,448 |
| Loan loss allowance to noncurrent loans | 79.7767% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 3.4759% | 2,022 |
| Noncurrent loans to loans | 2.3655% | 3,302 |
| Net loans and leases to total assets | 68.5533% | 3,234 |
| Net loans and leases to deposits | 79.9933% | 3,599 |
| Net loans and leases to core deposits | 80.5057% | 4,632 |
| Total domestic deposits to total assets | 85.6988% | 3,263 |
| Equity capital to assets | 8.8116% | 5,731 |
| Core capital (leverage) ratio | 8.2928% | 5,786 |
| Tier 1 risk-based capital ratio | 12.3287% | 5,017 |
| Total risk-based capital ratio | 13.5865% | 4,983 |
| Memoranda: | ||
| Average total assets | $49,617,330 | 6,664 |
| Average earning assets | $44,471,670 | 6,681 |
| Average equity | $4,347,670 | 6,994 |
| Average total loans | $34,100,000 | 6,327 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4728% | 2,716 |
| Cost of funding earning assets | 1.2713% | 4,992 |
| Net interest margin | 4.2015% | 2,031 |
| Noninterest income to average assets | 0.4476% | 4,493 |
| Noninterest expense to average assets | 3.0134% | 3,628 |
| Loan and lease loss provision to assets | 1.5107% | 769 |
| Net operating income to assets | -0.3517% | 6,713 |
| Return on assets (ROA) | 0.3037% | 5,413 |
| Pretax return on assets | 0.3037% | 5,589 |
| Return on Equity (ROE) | 3.4759% | 5,126 |
| Retained earnings to average equity (ytd only) | 3.4759% | 4,063 |
| Net charge-offs to loans | -0.0352% | 7,242 |
| Credit loss provision to net charge-offs | -6,300.0000% | 6,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2222% | 3,887 |
| Assets per employee ($millions) | 3.5730% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 3,458 |
| Loan loss allowance to noncurrent loans | 62.4413% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 3.8383% | 1,811 |
| Noncurrent loans to loans | 2.5580% | 3,111 |
| Net loans and leases to total assets | 65.5212% | 3,982 |
| Net loans and leases to deposits | 76.2387% | 4,369 |
| Net loans and leases to core deposits | 76.7115% | 5,166 |
| Total domestic deposits to total assets | 85.9422% | 3,182 |
| Equity capital to assets | 8.8041% | 5,548 |
| Core capital (leverage) ratio | 8.6486% | 5,116 |
| Tier 1 risk-based capital ratio | 12.7349% | 4,528 |
| Total risk-based capital ratio | 13.9898% | 4,488 |
| Memoranda: | ||
| Average total assets | $50,043,500 | 6,731 |
| Average earning assets | $44,365,000 | 6,763 |
| Average equity | $4,373,000 | 7,047 |
| Average total loans | $34,113,500 | 6,415 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7712% | 2,780 |
| Cost of funding earning assets | 1.8644% | 3,654 |
| Net interest margin | 3.9068% | 3,241 |
| Noninterest income to average assets | 0.3442% | 5,627 |
| Noninterest expense to average assets | 2.7401% | 5,196 |
| Loan and lease loss provision to assets | 0.3914% | 4,447 |
| Net operating income to assets | 0.8399% | 2,387 |
| Return on assets (ROA) | 0.8399% | 2,469 |
| Pretax return on assets | 0.8399% | 3,112 |
| Return on Equity (ROE) | 10.3812% | 1,585 |
| Retained earnings to average equity (ytd only) | 6.7344% | 1,056 |
| Net charge-offs to loans | 0.5254% | 3,680 |
| Credit loss provision to net charge-offs | 104.7368% | 5,283 |
| Earnings coverage of net charge-offs (x) | 3.2947% | 3,418 |
| Efficiency ratio | 68.9946% | 4,829 |
| Assets per employee ($millions) | 3.5761% | 4,832 |
| Cash dividends to net income (ytd only)* | 35.1288% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 6,519 |
| Loan loss allowance to noncurrent loans | 6,800.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 2.1552% | 3,192 |
| Noncurrent loans to loans | 0.0143% | 7,402 |
| Net loans and leases to total assets | 69.0702% | 3,467 |
| Net loans and leases to deposits | 80.2451% | 3,947 |
| Net loans and leases to core deposits | 88.0570% | 5,326 |
| Total domestic deposits to total assets | 86.0741% | 2,981 |
| Equity capital to assets | 8.6727% | 5,625 |
| Core capital (leverage) ratio | 8.4685% | 5,325 |
| Tier 1 risk-based capital ratio | 11.9538% | 4,982 |
| Total risk-based capital ratio | 12.9068% | 5,196 |
| Memoranda: | ||
| Average total assets | $50,838,200 | 6,672 |
| Average earning assets | $47,199,600 | 6,631 |
| Average equity | $4,113,200 | 7,244 |
| Average total loans | $36,162,800 | 6,299 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7808% | 2,974 |
| Cost of funding earning assets | 2.0007% | 3,356 |
| Net interest margin | 3.7801% | 3,738 |
| Noninterest income to average assets | 0.2979% | 6,091 |
| Noninterest expense to average assets | 2.7642% | 5,044 |
| Loan and lease loss provision to assets | 0.4128% | 3,846 |
| Net operating income to assets | 0.6453% | 3,426 |
| Return on assets (ROA) | 0.6453% | 3,488 |
| Pretax return on assets | 0.6453% | 4,036 |
| Return on Equity (ROE) | 8.1196% | 2,591 |
| Retained earnings to average equity (ytd only) | 3.6817% | 3,232 |
| Net charge-offs to loans | 0.5739% | 2,957 |
| Credit loss provision to net charge-offs | 100.6369% | 5,045 |
| Earnings coverage of net charge-offs (x) | 2.5796% | 3,935 |
| Efficiency ratio | 72.3172% | 4,190 |
| Assets per employee ($millions) | 3.6233% | 4,627 |
| Cash dividends to net income (ytd only)* | 54.6564% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 6,693 |
| Loan loss allowance to noncurrent loans | 638.4615% | 527 |
| Noncurrent assets plus other real estate owned to assets | 2.2198% | 3,071 |
| Noncurrent loans to loans | 0.1432% | 7,122 |
| Net loans and leases to total assets | 70.9143% | 3,289 |
| Net loans and leases to deposits | 82.9555% | 3,837 |
| Net loans and leases to core deposits | 91.5015% | 5,281 |
| Total domestic deposits to total assets | 85.4848% | 2,978 |
| Equity capital to assets | 8.3172% | 6,483 |
| Core capital (leverage) ratio | 7.8671% | 6,547 |
| Tier 1 risk-based capital ratio | 10.8903% | 6,062 |
| Total risk-based capital ratio | 11.7724% | 6,401 |
| Memoranda: | ||
| Average total assets | $51,031,500 | 6,720 |
| Average earning assets | $47,581,750 | 6,667 |
| Average equity | $4,056,000 | 7,335 |
| Average total loans | $36,473,500 | 6,319 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7939% | 3,080 |
| Cost of funding earning assets | 2.1355% | 3,107 |
| Net interest margin | 3.6584% | 4,126 |
| Noninterest income to average assets | 0.4224% | 5,102 |
| Noninterest expense to average assets | 2.7066% | 5,360 |
| Loan and lease loss provision to assets | 0.4537% | 3,265 |
| Net operating income to assets | 0.6728% | 3,372 |
| Return on assets (ROA) | 0.6728% | 3,485 |
| Pretax return on assets | 0.6728% | 4,089 |
| Return on Equity (ROE) | 8.5964% | 2,515 |
| Retained earnings to average equity (ytd only) | 4.0983% | 3,013 |
| Net charge-offs to loans | 0.8541% | 1,982 |
| Credit loss provision to net charge-offs | 74.3590% | 5,332 |
| Earnings coverage of net charge-offs (x) | 1.8462% | 4,185 |
| Efficiency ratio | 70.6122% | 4,652 |
| Assets per employee ($millions) | 3.7821% | 4,145 |
| Cash dividends to net income (ytd only)* | 52.3256% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8082% | 7,128 |
| Loan loss allowance to noncurrent loans | 29,100.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 2.1322% | 3,016 |
| Noncurrent loans to loans | 0.0028% | 7,570 |
| Net loans and leases to total assets | 67.4517% | 4,264 |
| Net loans and leases to deposits | 77.6092% | 4,931 |
| Net loans and leases to core deposits | 87.6270% | 5,753 |
| Total domestic deposits to total assets | 86.9119% | 2,300 |
| Equity capital to assets | 7.7509% | 7,029 |
| Core capital (leverage) ratio | 7.8927% | 6,503 |
| Tier 1 risk-based capital ratio | 10.7036% | 6,177 |
| Total risk-based capital ratio | 11.4692% | 6,621 |
| Memoranda: | ||
| Average total assets | $51,133,330 | 6,783 |
| Average earning assets | $47,671,000 | 6,722 |
| Average equity | $4,001,670 | 7,413 |
| Average total loans | $36,530,000 | 6,375 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7446% | 3,561 |
| Cost of funding earning assets | 2.2275% | 3,022 |
| Net interest margin | 3.5171% | 4,663 |
| Noninterest income to average assets | 0.4221% | 5,025 |
| Noninterest expense to average assets | 2.6122% | 5,406 |
| Loan and lease loss provision to assets | 0.3265% | 3,363 |
| Net operating income to assets | 0.8283% | 3,006 |
| Return on assets (ROA) | 0.8283% | 3,157 |
| Pretax return on assets | 0.8283% | 3,980 |
| Return on Equity (ROE) | 10.5303% | 2,114 |
| Retained earnings to average equity (ytd only) | 5.9739% | 2,639 |
| Net charge-offs to loans | 0.0435% | 4,868 |
| Credit loss provision to net charge-offs | 1,025.0000% | 599 |
| Earnings coverage of net charge-offs (x) | 36.2500% | 920 |
| Efficiency ratio | 69.3446% | 4,708 |
| Assets per employee ($millions) | 3.6306% | 4,506 |
| Cash dividends to net income (ytd only)* | 43.2692% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 6,135 |
| Loan loss allowance to noncurrent loans | 40.9344% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 2.5852% | 2,216 |
| Noncurrent loans to loans | 2.4560% | 2,689 |
| Net loans and leases to total assets | 71.2914% | 3,409 |
| Net loans and leases to deposits | 83.1101% | 4,115 |
| Net loans and leases to core deposits | 93.6524% | 5,191 |
| Total domestic deposits to total assets | 85.7795% | 2,836 |
| Equity capital to assets | 7.8048% | 7,065 |
| Core capital (leverage) ratio | 7.9830% | 6,480 |
| Tier 1 risk-based capital ratio | 10.8026% | 6,093 |
| Total risk-based capital ratio | 11.7851% | 6,272 |
| Memoranda: | ||
| Average total assets | $50,225,500 | 6,855 |
| Average earning assets | $47,766,500 | 6,753 |
| Average equity | $3,950,500 | 7,475 |
| Average total loans | $36,792,000 | 6,393 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3212% | 3,850 |
| Cost of funding earning assets | 2.6295% | 3,531 |
| Net interest margin | 3.6916% | 4,509 |
| Noninterest income to average assets | 0.5031% | 4,600 |
| Noninterest expense to average assets | 2.7227% | 5,164 |
| Loan and lease loss provision to assets | 0.2664% | 4,268 |
| Net operating income to assets | 1.0041% | 2,541 |
| Return on assets (ROA) | 1.0675% | 2,182 |
| Pretax return on assets | 1.0675% | 3,148 |
| Return on Equity (ROE) | 13.1333% | 1,298 |
| Retained earnings to average equity (ytd only) | 6.1115% | 1,480 |
| Net charge-offs to loans | 0.2977% | 3,401 |
| Credit loss provision to net charge-offs | 127.2727% | 4,192 |
| Earnings coverage of net charge-offs (x) | 6.0707% | 3,448 |
| Efficiency ratio | 68.1842% | 4,696 |
| Assets per employee ($millions) | 3.5445% | 4,557 |
| Cash dividends to net income (ytd only)* | 53.4653% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 6,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8363% | 4,757 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 73.8549% | 3,143 |
| Net loans and leases to deposits | 93.6309% | 2,830 |
| Net loans and leases to core deposits | 102.7129% | 4,528 |
| Total domestic deposits to total assets | 78.8787% | 5,415 |
| Equity capital to assets | 7.9278% | 6,928 |
| Core capital (leverage) ratio | 8.2422% | 6,071 |
| Tier 1 risk-based capital ratio | 10.5212% | 6,189 |
| Total risk-based capital ratio | 11.3946% | 6,444 |
| Memoranda: | ||
| Average total assets | $47,305,200 | 6,888 |
| Average earning assets | $44,722,600 | 6,829 |
| Average equity | $3,845,200 | 7,562 |
| Average total loans | $33,250,400 | 6,527 |