Home > Peoples Bank of Greensboro > Performance and Condition Ratios
Peoples Bank of Greensboro, 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 | 4.1999% | 3,621 |
| Cost of funding earning assets | 1.0911% | 3,092 |
| Net interest margin | 3.1087% | 3,080 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.4711% | 2,380 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.0906% | 1,948 |
| Return on assets (ROA) | 1.0906% | 1,919 |
| Pretax return on assets | 1.0906% | 2,435 |
| Return on Equity (ROE) | 102.7400% | 15 |
| Retained earnings to average equity (ytd only) | 17.5623% | 203 |
| Net charge-offs to loans | 0.1448% | 707 |
| Credit loss provision to net charge-offs | 82.0896% | 2,004 |
| Earnings coverage of net charge-offs (x) | 18.2836% | 1,941 |
| Efficiency ratio | 68.3953% | 2,062 |
| Assets per employee ($millions) | 6.2987% | 2,556 |
| Cash dividends to net income (ytd only)* | 82.9060% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,274 |
| Loan loss allowance to noncurrent loans | 113.2212% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 1,423 |
| Noncurrent loans to loans | 0.8884% | 849 |
| Net loans and leases to total assets | 43.2900% | 3,927 |
| Net loans and leases to deposits | 45.9729% | 4,049 |
| Net loans and leases to core deposits | 52.2941% | 4,027 |
| Total domestic deposits to total assets | 94.1600% | 100 |
| Equity capital to assets | 1.7968% | 4,569 |
| Core capital (leverage) ratio | 8.8814% | 3,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1942% | 1,047 |
| Memoranda: | ||
| Average total assets | $107,282,000 | 3,763 |
| Average earning assets | $102,003,400 | 3,724 |
| Average equity | $1,138,800 | 4,516 |
| Average total loans | $46,269,400 | 3,896 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1517% | 3,556 |
| Cost of funding earning assets | 0.9383% | 3,184 |
| Net interest margin | 3.2134% | 2,885 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.3043% | 2,783 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1217% | 1,984 |
| Return on assets (ROA) | 1.1217% | 1,964 |
| Pretax return on assets | 1.1217% | 2,500 |
| Return on Equity (ROE) | 127.7400% | 12 |
| Retained earnings to average equity (ytd only) | 127.7422% | 10 |
| Net charge-offs to loans | 0.0462% | 1,226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 56.4375% | 1,242 |
| Efficiency ratio | 67.2589% | 2,104 |
| Assets per employee ($millions) | 6.3004% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 3,406 |
| Loan loss allowance to noncurrent loans | 108.1019% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.4033% | 1,431 |
| Noncurrent loans to loans | 0.9201% | 894 |
| Net loans and leases to total assets | 43.4000% | 3,937 |
| Net loans and leases to deposits | 44.5890% | 4,090 |
| Net loans and leases to core deposits | 51.8870% | 3,985 |
| Total domestic deposits to total assets | 97.3300% | 46 |
| Equity capital to assets | 1.5191% | 4,559 |
| Core capital (leverage) ratio | 9.4028% | 3,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2704% | 907 |
| Memoranda: | ||
| Average total assets | $107,333,000 | 3,780 |
| Average earning assets | $101,739,000 | 3,739 |
| Average equity | $942,500 | 4,546 |
| Average total loans | $46,130,500 | 3,908 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0219% | 3,637 |
| Cost of funding earning assets | 0.8020% | 3,197 |
| Net interest margin | 3.2199% | 2,938 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.3648% | 2,606 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0856% | 2,162 |
| Return on assets (ROA) | 1.0856% | 2,156 |
| Pretax return on assets | 1.0856% | 2,679 |
| Return on Equity (ROE) | 163.2300% | 12 |
| Retained earnings to average equity (ytd only) | 163.2291% | 7 |
| Net charge-offs to loans | 0.0131% | 1,700 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 194.3333% | 623 |
| Efficiency ratio | 68.5375% | 1,919 |
| Assets per employee ($millions) | 7.0555% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,132 |
| Loan loss allowance to noncurrent loans | 101.4799% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.4469% | 1,194 |
| Noncurrent loans to loans | 1.0461% | 709 |
| Net loans and leases to total assets | 42.2700% | 3,954 |
| Net loans and leases to deposits | 42.8277% | 4,139 |
| Net loans and leases to core deposits | 48.1556% | 4,067 |
| Total domestic deposits to total assets | 98.7000% | 27 |
| Equity capital to assets | 1.1235% | 4,621 |
| Core capital (leverage) ratio | 9.0591% | 3,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1031% | 942 |
| Memoranda: | ||
| Average total assets | $107,408,667 | 3,792 |
| Average earning assets | $102,487,667 | 3,754 |
| Average equity | $714,333 | 4,582 |
| Average total loans | $45,857,000 | 3,924 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8318% | 3,795 |
| Cost of funding earning assets | 0.6251% | 3,305 |
| Net interest margin | 3.2067% | 3,102 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.3439% | 2,690 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0943% | 2,251 |
| Return on assets (ROA) | 1.0943% | 2,213 |
| Pretax return on assets | 1.0943% | 2,724 |
| Return on Equity (ROE) | 248.2200% | 7 |
| Retained earnings to average equity (ytd only) | 248.2180% | 6 |
| Net charge-offs to loans | 0.0260% | 1,173 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 98.6667% | 796 |
| Efficiency ratio | 68.1720% | 1,950 |
| Assets per employee ($millions) | 6.7328% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 3,206 |
| Loan loss allowance to noncurrent loans | 86.9565% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 1,013 |
| Noncurrent loans to loans | 1.2293% | 558 |
| Net loans and leases to total assets | 41.2400% | 3,987 |
| Net loans and leases to deposits | 41.7191% | 4,172 |
| Net loans and leases to core deposits | 45.5552% | 4,126 |
| Total domestic deposits to total assets | 98.8500% | 10 |
| Equity capital to assets | 1.0128% | 4,655 |
| Core capital (leverage) ratio | 8.8337% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6797% | 1,043 |
| Memoranda: | ||
| Average total assets | $108,196,500 | 3,835 |
| Average earning assets | $103,658,000 | 3,789 |
| Average equity | $477,000 | 4,659 |
| Average total loans | $46,177,000 | 3,958 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4179% | 3,299 |
| Cost of funding earning assets | 0.3814% | 2,248 |
| Net interest margin | 3.0365% | 3,337 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.1662% | 3,107 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0568% | 2,346 |
| Return on assets (ROA) | 1.0568% | 2,295 |
| Pretax return on assets | 1.0568% | 2,899 |
| Return on Equity (ROE) | 43.7500% | 43 |
| Retained earnings to average equity (ytd only) | 7.5679% | 2,000 |
| Net charge-offs to loans | 0.0260% | 1,540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 98.7500% | 979 |
| Efficiency ratio | 67.2108% | 2,059 |
| Assets per employee ($millions) | 6.3922% | 2,425 |
| Cash dividends to net income (ytd only)* | 82.7004% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 3,267 |
| Loan loss allowance to noncurrent loans | 88.1387% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 1,018 |
| Noncurrent loans to loans | 1.1549% | 611 |
| Net loans and leases to total assets | 43.2200% | 3,921 |
| Net loans and leases to deposits | 43.2293% | 4,139 |
| Net loans and leases to core deposits | 46.1319% | 4,117 |
| Total domestic deposits to total assets | 99.9800% | 12 |
| Equity capital to assets | -0.1261% | 4,710 |
| Core capital (leverage) ratio | 8.4889% | 4,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5753% | 1,216 |
| Memoranda: | ||
| Average total assets | $112,129,400 | 3,807 |
| Average earning assets | $106,438,800 | 3,766 |
| Average equity | $2,708,800 | 4,633 |
| Average total loans | $46,113,400 | 3,959 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2847% | 3,222 |
| Cost of funding earning assets | 0.3179% | 1,984 |
| Net interest margin | 2.9668% | 3,304 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.0284% | 3,409 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1151% | 2,026 |
| Return on assets (ROA) | 1.1151% | 1,993 |
| Pretax return on assets | 1.1151% | 2,678 |
| Return on Equity (ROE) | 36.8400% | 52 |
| Retained earnings to average equity (ytd only) | 27.0929% | 39 |
| Net charge-offs to loans | 0.0262% | 1,298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 928 |
| Efficiency ratio | 64.5270% | 2,480 |
| Assets per employee ($millions) | 6.4502% | 2,361 |
| Cash dividends to net income (ytd only)* | 26.4550% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 3,192 |
| Loan loss allowance to noncurrent loans | 83.0769% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5335% | 1,013 |
| Noncurrent loans to loans | 1.2781% | 574 |
| Net loans and leases to total assets | 41.3000% | 4,013 |
| Net loans and leases to deposits | 41.3549% | 4,197 |
| Net loans and leases to core deposits | 44.4414% | 4,167 |
| Total domestic deposits to total assets | 99.8600% | 20 |
| Equity capital to assets | 0.0575% | 4,717 |
| Core capital (leverage) ratio | 8.6106% | 3,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4852% | 1,090 |
| Memoranda: | ||
| Average total assets | $112,994,750 | 3,822 |
| Average earning assets | $106,958,500 | 3,781 |
| Average equity | $3,420,250 | 4,618 |
| Average total loans | $45,779,500 | 3,992 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1611% | 3,163 |
| Cost of funding earning assets | 0.2806% | 1,895 |
| Net interest margin | 2.8805% | 3,219 |
| Noninterest income to average assets | 0.3243% | 3,231 |
| Noninterest expense to average assets | 2.0472% | 3,303 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9938% | 2,182 |
| Return on assets (ROA) | 0.9938% | 2,154 |
| Pretax return on assets | 0.9938% | 2,757 |
| Return on Equity (ROE) | 24.9816% | 112 |
| Retained earnings to average equity (ytd only) | 13.9668% | 362 |
| Net charge-offs to loans | 0.0218% | 1,292 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 113.4000% | 761 |
| Efficiency ratio | 67.3199% | 2,340 |
| Assets per employee ($millions) | 7.0903% | 1,884 |
| Cash dividends to net income (ytd only)* | 44.0917% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 3,170 |
| Loan loss allowance to noncurrent loans | 78.6859% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 0.5500% | 1,036 |
| Noncurrent loans to loans | 1.3955% | 542 |
| Net loans and leases to total assets | 38.9819% | 4,122 |
| Net loans and leases to deposits | 39.6402% | 4,276 |
| Net loans and leases to core deposits | 42.4096% | 4,249 |
| Total domestic deposits to total assets | 98.3393% | 19 |
| Equity capital to assets | 1.6008% | 4,740 |
| Core capital (leverage) ratio | 8.1611% | 4,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0230% | 1,183 |
| Memoranda: | ||
| Average total assets | $114,108,667 | 3,849 |
| Average earning assets | $107,620,333 | 3,829 |
| Average equity | $4,539,333 | 4,566 |
| Average total loans | $45,782,667 | 4,035 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1305% | 2,876 |
| Cost of funding earning assets | 0.2805% | 1,812 |
| Net interest margin | 2.8500% | 2,989 |
| Noninterest income to average assets | 0.3076% | 3,265 |
| Noninterest expense to average assets | 2.0972% | 3,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8738% | 2,394 |
| Return on assets (ROA) | 0.8738% | 2,387 |
| Pretax return on assets | 0.8738% | 2,879 |
| Return on Equity (ROE) | 16.9463% | 430 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,010 |
| Net charge-offs to loans | -0.0691% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5882% | 2,145 |
| Assets per employee ($millions) | 7.1881% | 1,867 |
| Cash dividends to net income (ytd only)* | 100.0000% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 3,342 |
| Loan loss allowance to noncurrent loans | 73.5766% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.5973% | 991 |
| Noncurrent loans to loans | 1.4885% | 559 |
| Net loans and leases to total assets | 39.5757% | 4,041 |
| Net loans and leases to deposits | 41.0698% | 4,204 |
| Net loans and leases to core deposits | 43.7856% | 4,170 |
| Total domestic deposits to total assets | 96.3621% | 8 |
| Equity capital to assets | 3.5466% | 4,785 |
| Core capital (leverage) ratio | 7.5238% | 4,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1256% | 1,476 |
| Memoranda: | ||
| Average total assets | $114,440,500 | 3,868 |
| Average earning assets | $106,947,000 | 3,848 |
| Average equity | $5,901,000 | 4,475 |
| Average total loans | $46,317,000 | 4,032 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4433% | 2,819 |
| Cost of funding earning assets | 0.3874% | 1,631 |
| Net interest margin | 3.0559% | 3,034 |
| Noninterest income to average assets | 0.3133% | 3,529 |
| Noninterest expense to average assets | 2.1781% | 3,150 |
| Loan and lease loss provision to assets | 0.0450% | 2,156 |
| Net operating income to assets | 1.0310% | 2,554 |
| Return on assets (ROA) | 1.1012% | 2,355 |
| Pretax return on assets | 1.1012% | 2,964 |
| Return on Equity (ROE) | 14.3118% | 1,101 |
| Retained earnings to average equity (ytd only) | 1.1468% | 4,216 |
| Net charge-offs to loans | 0.0597% | 1,189 |
| Credit loss provision to net charge-offs | 178.5714% | 1,372 |
| Earnings coverage of net charge-offs (x) | 42.6786% | 1,398 |
| Efficiency ratio | 66.9341% | 2,135 |
| Assets per employee ($millions) | 7.5914% | 1,556 |
| Cash dividends to net income (ytd only)* | 91.9869% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 3,513 |
| Loan loss allowance to noncurrent loans | 70.2128% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 0.6209% | 1,052 |
| Noncurrent loans to loans | 1.5124% | 595 |
| Net loans and leases to total assets | 40.5011% | 4,067 |
| Net loans and leases to deposits | 44.3298% | 4,158 |
| Net loans and leases to core deposits | 47.5826% | 4,113 |
| Total domestic deposits to total assets | 91.3630% | 362 |
| Equity capital to assets | 6.7822% | 4,754 |
| Core capital (leverage) ratio | 7.4032% | 4,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5686% | 1,371 |
| Memoranda: | ||
| Average total assets | $111,062,000 | 3,884 |
| Average earning assets | $106,875,600 | 3,837 |
| Average equity | $8,545,400 | 4,289 |
| Average total loans | $46,920,400 | 4,056 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5079% | 2,813 |
| Cost of funding earning assets | 0.4095% | 1,627 |
| Net interest margin | 3.0983% | 3,060 |
| Noninterest income to average assets | 0.2489% | 3,903 |
| Noninterest expense to average assets | 2.0997% | 3,361 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1381% | 2,411 |
| Return on assets (ROA) | 1.1755% | 2,308 |
| Pretax return on assets | 1.1755% | 3,003 |
| Return on Equity (ROE) | 14.8246% | 1,178 |
| Retained earnings to average equity (ytd only) | 7.2066% | 2,340 |
| Net charge-offs to loans | -0.0879% | 4,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8507% | 2,266 |
| Assets per employee ($millions) | 7.7498% | 1,414 |
| Cash dividends to net income (ytd only)* | 51.3875% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 3,610 |
| Loan loss allowance to noncurrent loans | 71.0267% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.6133% | 1,243 |
| Noncurrent loans to loans | 1.4952% | 704 |
| Net loans and leases to total assets | 40.4716% | 4,184 |
| Net loans and leases to deposits | 43.7025% | 4,322 |
| Net loans and leases to core deposits | 46.7999% | 4,288 |
| Total domestic deposits to total assets | 92.6071% | 63 |
| Equity capital to assets | 7.3301% | 4,749 |
| Core capital (leverage) ratio | 7.9573% | 4,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5371% | 1,469 |
| Memoranda: | ||
| Average total assets | $110,359,750 | 3,939 |
| Average earning assets | $106,463,250 | 3,888 |
| Average equity | $8,751,000 | 4,326 |
| Average total loans | $46,997,000 | 4,115 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7240% | 2,273 |
| Cost of funding earning assets | 0.4427% | 1,571 |
| Net interest margin | 3.2813% | 2,509 |
| Noninterest income to average assets | 0.3137% | 3,546 |
| Noninterest expense to average assets | 2.2030% | 3,085 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2694% | 1,955 |
| Return on assets (ROA) | 1.2694% | 2,030 |
| Pretax return on assets | 1.2694% | 2,710 |
| Return on Equity (ROE) | 15.5874% | 1,039 |
| Retained earnings to average equity (ytd only) | 15.5874% | 371 |
| Net charge-offs to loans | 0.0983% | 748 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 29.9130% | 1,309 |
| Efficiency ratio | 63.4431% | 2,505 |
| Assets per employee ($millions) | 7.6351% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 4,002 |
| Loan loss allowance to noncurrent loans | 58.0438% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 0.6802% | 1,212 |
| Noncurrent loans to loans | 1.6342% | 664 |
| Net loans and leases to total assets | 41.1217% | 4,231 |
| Net loans and leases to deposits | 45.4822% | 4,329 |
| Net loans and leases to core deposits | 49.4992% | 4,253 |
| Total domestic deposits to total assets | 90.4127% | 594 |
| Equity capital to assets | 7.8410% | 4,613 |
| Core capital (leverage) ratio | 8.3034% | 4,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5358% | 1,221 |
| Memoranda: | ||
| Average total assets | $108,397,333 | 3,977 |
| Average earning assets | $104,350,333 | 3,928 |
| Average equity | $8,827,667 | 4,343 |
| Average total loans | $46,812,000 | 4,142 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5923% | 2,665 |
| Cost of funding earning assets | 0.4753% | 1,556 |
| Net interest margin | 3.1170% | 2,936 |
| Noninterest income to average assets | 0.3190% | 3,498 |
| Noninterest expense to average assets | 2.3886% | 2,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9190% | 3,082 |
| Return on assets (ROA) | 0.9190% | 3,157 |
| Pretax return on assets | 0.9190% | 3,563 |
| Return on Equity (ROE) | 11.0610% | 2,349 |
| Retained earnings to average equity (ytd only) | 11.0610% | 1,387 |
| Net charge-offs to loans | 0.0689% | 860 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 30.2500% | 1,093 |
| Efficiency ratio | 72.2158% | 1,473 |
| Assets per employee ($millions) | 7.2221% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 3,774 |
| Loan loss allowance to noncurrent loans | 53.3869% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8059% | 1,107 |
| Noncurrent loans to loans | 1.9076% | 583 |
| Net loans and leases to total assets | 41.7181% | 4,249 |
| Net loans and leases to deposits | 45.2732% | 4,384 |
| Net loans and leases to core deposits | 49.2921% | 4,329 |
| Total domestic deposits to total assets | 92.1473% | 118 |
| Equity capital to assets | 7.7770% | 4,604 |
| Core capital (leverage) ratio | 8.3797% | 4,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7496% | 1,368 |
| Memoranda: | ||
| Average total assets | $105,333,000 | 4,012 |
| Average earning assets | $100,993,500 | 3,970 |
| Average equity | $8,751,500 | 4,361 |
| Average total loans | $46,445,000 | 4,165 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8984% | 3,032 |
| Cost of funding earning assets | 0.6848% | 1,808 |
| Net interest margin | 3.2136% | 3,324 |
| Noninterest income to average assets | 0.3578% | 3,324 |
| Noninterest expense to average assets | 2.5854% | 2,603 |
| Loan and lease loss provision to assets | 0.0051% | 4,285 |
| Net operating income to assets | 0.8625% | 2,853 |
| Return on assets (ROA) | 1.1591% | 1,810 |
| Pretax return on assets | 1.1591% | 2,483 |
| Return on Equity (ROE) | 12.2914% | 1,237 |
| Retained earnings to average equity (ytd only) | 1.1027% | 4,190 |
| Net charge-offs to loans | 0.0814% | 1,662 |
| Credit loss provision to net charge-offs | 12.5000% | 3,247 |
| Earnings coverage of net charge-offs (x) | 21.2750% | 1,905 |
| Efficiency ratio | 74.8745% | 1,348 |
| Assets per employee ($millions) | 6.0196% | 2,324 |
| Cash dividends to net income (ytd only)* | 91.0290% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 3,863 |
| Loan loss allowance to noncurrent loans | 51.5251% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 0.8990% | 1,103 |
| Noncurrent loans to loans | 1.9436% | 607 |
| Net loans and leases to total assets | 45.6916% | 4,145 |
| Net loans and leases to deposits | 50.2337% | 4,305 |
| Net loans and leases to core deposits | 55.0269% | 4,205 |
| Total domestic deposits to total assets | 90.9580% | 237 |
| Equity capital to assets | 8.8710% | 4,172 |
| Core capital (leverage) ratio | 8.3786% | 4,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3106% | 1,440 |
| Memoranda: | ||
| Average total assets | $98,090,000 | 4,026 |
| Average earning assets | $94,473,800 | 3,965 |
| Average equity | $9,250,400 | 4,278 |
| Average total loans | $49,134,600 | 4,122 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0446% | 2,844 |
| Cost of funding earning assets | 0.7255% | 1,872 |
| Net interest margin | 3.3190% | 3,129 |
| Noninterest income to average assets | 0.3586% | 3,316 |
| Noninterest expense to average assets | 2.5215% | 2,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0430% | 2,178 |
| Return on assets (ROA) | 1.4250% | 1,133 |
| Pretax return on assets | 1.4250% | 1,654 |
| Return on Equity (ROE) | 14.8774% | 716 |
| Retained earnings to average equity (ytd only) | 11.2908% | 523 |
| Net charge-offs to loans | 0.0484% | 1,921 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 42.1667% | 1,326 |
| Efficiency ratio | 70.7402% | 1,783 |
| Assets per employee ($millions) | 5.9398% | 2,317 |
| Cash dividends to net income (ytd only)* | 24.1080% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 3,679 |
| Loan loss allowance to noncurrent loans | 56.0641% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 0.8982% | 1,280 |
| Noncurrent loans to loans | 1.7969% | 736 |
| Net loans and leases to total assets | 47.6846% | 4,229 |
| Net loans and leases to deposits | 52.8360% | 4,379 |
| Net loans and leases to core deposits | 57.9834% | 4,306 |
| Total domestic deposits to total assets | 90.2502% | 348 |
| Equity capital to assets | 9.6142% | 3,591 |
| Core capital (leverage) ratio | 9.1790% | 3,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1536% | 1,218 |
| Memoranda: | ||
| Average total assets | $97,029,000 | 4,034 |
| Average earning assets | $93,719,750 | 3,976 |
| Average equity | $9,293,500 | 4,291 |
| Average total loans | $49,610,500 | 4,139 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 2,596 |
| Cost of funding earning assets | 0.7963% | 1,845 |
| Net interest margin | 3.4584% | 2,926 |
| Noninterest income to average assets | 0.3678% | 3,272 |
| Noninterest expense to average assets | 2.6120% | 2,626 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0866% | 2,013 |
| Return on assets (ROA) | 1.0866% | 2,134 |
| Pretax return on assets | 1.0866% | 2,751 |
| Return on Equity (ROE) | 11.3595% | 1,525 |
| Retained earnings to average equity (ytd only) | 11.3595% | 554 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6215% | 1,868 |
| Assets per employee ($millions) | 5.8548% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 3,406 |
| Loan loss allowance to noncurrent loans | 25.3240% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 2.0175% | 348 |
| Noncurrent loans to loans | 4.0684% | 165 |
| Net loans and leases to total assets | 49.0289% | 4,203 |
| Net loans and leases to deposits | 54.4516% | 4,362 |
| Net loans and leases to core deposits | 59.9857% | 4,263 |
| Total domestic deposits to total assets | 90.0413% | 390 |
| Equity capital to assets | 9.7497% | 3,424 |
| Core capital (leverage) ratio | 8.9576% | 3,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,713,333 | 4,052 |
| Average earning assets | $92,181,333 | 3,995 |
| Average equity | $9,155,333 | 4,324 |
| Average total loans | $49,934,000 | 4,147 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 2,895 |
| Cost of funding earning assets | 0.7503% | 2,666 |
| Net interest margin | 3.5605% | 2,789 |
| Noninterest income to average assets | 0.3795% | 3,234 |
| Noninterest expense to average assets | 2.4903% | 3,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3091% | 1,219 |
| Return on assets (ROA) | 1.3091% | 1,316 |
| Pretax return on assets | 1.3091% | 1,848 |
| Return on Equity (ROE) | 13.8273% | 731 |
| Retained earnings to average equity (ytd only) | 13.8273% | 267 |
| Net charge-offs to loans | -0.0876% | 4,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5443% | 3,022 |
| Assets per employee ($millions) | 5.3679% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 3,478 |
| Loan loss allowance to noncurrent loans | 64.3123% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 0.8373% | 1,605 |
| Noncurrent loans to loans | 1.6218% | 952 |
| Net loans and leases to total assets | 50.9599% | 4,184 |
| Net loans and leases to deposits | 58.8983% | 4,252 |
| Net loans and leases to core deposits | 65.1275% | 4,120 |
| Total domestic deposits to total assets | 86.5218% | 1,767 |
| Equity capital to assets | 9.6085% | 4,125 |
| Core capital (leverage) ratio | 9.3366% | 4,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,804,500 | 4,078 |
| Average earning assets | $90,098,500 | 4,024 |
| Average equity | $8,881,000 | 4,382 |
| Average total loans | $50,247,500 | 4,149 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5927% | 2,644 |
| Cost of funding earning assets | 0.8748% | 2,309 |
| Net interest margin | 3.7180% | 2,758 |
| Noninterest income to average assets | 0.3857% | 3,381 |
| Noninterest expense to average assets | 2.7765% | 2,679 |
| Loan and lease loss provision to assets | 0.0368% | 3,275 |
| Net operating income to assets | 1.1492% | 2,258 |
| Return on assets (ROA) | 1.1492% | 2,358 |
| Pretax return on assets | 1.1492% | 3,013 |
| Return on Equity (ROE) | 12.6870% | 1,277 |
| Retained earnings to average equity (ytd only) | 0.9968% | 4,383 |
| Net charge-offs to loans | 0.0041% | 3,535 |
| Credit loss provision to net charge-offs | 1,650.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 532.0000% | 178 |
| Efficiency ratio | 70.0703% | 2,160 |
| Assets per employee ($millions) | 5.0548% | 2,514 |
| Cash dividends to net income (ytd only)* | 92.1435% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,486 |
| Loan loss allowance to noncurrent loans | 88.0623% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.6375% | 1,992 |
| Noncurrent loans to loans | 1.1392% | 1,325 |
| Net loans and leases to total assets | 55.2041% | 3,980 |
| Net loans and leases to deposits | 63.7346% | 4,091 |
| Net loans and leases to core deposits | 71.1495% | 3,907 |
| Total domestic deposits to total assets | 86.6155% | 1,798 |
| Equity capital to assets | 9.3179% | 4,479 |
| Core capital (leverage) ratio | 9.3256% | 4,252 |
| Tier 1 risk-based capital ratio | 15.0114% | 2,774 |
| Total risk-based capital ratio | 15.9091% | 2,843 |
| Memoranda: | ||
| Average total assets | $89,717,200 | 4,151 |
| Average earning assets | $86,310,000 | 4,096 |
| Average equity | $8,126,400 | 4,491 |
| Average total loans | $48,725,800 | 4,212 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5627% | 2,851 |
| Cost of funding earning assets | 0.8547% | 2,444 |
| Net interest margin | 3.7080% | 2,886 |
| Noninterest income to average assets | 0.3893% | 3,381 |
| Noninterest expense to average assets | 2.6442% | 3,028 |
| Loan and lease loss provision to assets | 0.0880% | 2,153 |
| Net operating income to assets | 1.2155% | 2,142 |
| Return on assets (ROA) | 1.2155% | 2,217 |
| Pretax return on assets | 1.2155% | 2,935 |
| Return on Equity (ROE) | 13.5179% | 1,109 |
| Retained earnings to average equity (ytd only) | 2.7367% | 3,996 |
| Net charge-offs to loans | 0.1438% | 1,131 |
| Credit loss provision to net charge-offs | 113.4615% | 2,049 |
| Earnings coverage of net charge-offs (x) | 16.8080% | 2,123 |
| Efficiency ratio | 66.9815% | 2,591 |
| Assets per employee ($millions) | 5.0595% | 2,489 |
| Cash dividends to net income (ytd only)* | 79.7550% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 3,632 |
| Loan loss allowance to noncurrent loans | 103.6403% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.5150% | 2,469 |
| Noncurrent loans to loans | 0.9542% | 1,689 |
| Net loans and leases to total assets | 53.2112% | 4,239 |
| Net loans and leases to deposits | 62.2807% | 4,271 |
| Net loans and leases to core deposits | 69.0254% | 4,104 |
| Total domestic deposits to total assets | 85.4377% | 2,238 |
| Equity capital to assets | 9.4344% | 4,509 |
| Core capital (leverage) ratio | 9.3883% | 4,290 |
| Tier 1 risk-based capital ratio | 16.7580% | 2,164 |
| Total risk-based capital ratio | 17.7015% | 2,221 |
| Memoranda: | ||
| Average total assets | $89,400,000 | 4,207 |
| Average earning assets | $85,794,500 | 4,153 |
| Average equity | $8,038,500 | 4,551 |
| Average total loans | $48,223,000 | 4,271 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5445% | 2,869 |
| Cost of funding earning assets | 0.7801% | 2,746 |
| Net interest margin | 3.7644% | 2,708 |
| Noninterest income to average assets | 0.3872% | 3,355 |
| Noninterest expense to average assets | 2.6204% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3732% | 1,504 |
| Return on assets (ROA) | 1.3732% | 1,564 |
| Pretax return on assets | 1.3732% | 2,293 |
| Return on Equity (ROE) | 15.5335% | 664 |
| Retained earnings to average equity (ytd only) | 4.0744% | 3,209 |
| Net charge-offs to loans | 0.1834% | 899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 13.8636% | 2,071 |
| Efficiency ratio | 65.6144% | 2,868 |
| Assets per employee ($millions) | 4.7762% | 2,771 |
| Cash dividends to net income (ytd only)* | 73.7705% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8779% | 4,174 |
| Loan loss allowance to noncurrent loans | 106.6502% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 2,720 |
| Noncurrent loans to loans | 0.8232% | 1,945 |
| Net loans and leases to total assets | 53.8734% | 4,217 |
| Net loans and leases to deposits | 62.9721% | 4,275 |
| Net loans and leases to core deposits | 68.1228% | 4,195 |
| Total domestic deposits to total assets | 85.5512% | 2,246 |
| Equity capital to assets | 9.3115% | 4,567 |
| Core capital (leverage) ratio | 9.4324% | 4,218 |
| Tier 1 risk-based capital ratio | 15.7195% | 2,540 |
| Total risk-based capital ratio | 16.5156% | 2,663 |
| Memoranda: | ||
| Average total assets | $88,843,000 | 4,240 |
| Average earning assets | $85,113,670 | 4,193 |
| Average equity | $7,854,000 | 4,604 |
| Average total loans | $47,982,670 | 4,302 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5027% | 2,853 |
| Cost of funding earning assets | 0.8404% | 2,326 |
| Net interest margin | 3.6623% | 3,037 |
| Noninterest income to average assets | 0.3868% | 3,277 |
| Noninterest expense to average assets | 2.8581% | 2,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0195% | 2,776 |
| Return on assets (ROA) | 1.0195% | 2,818 |
| Pretax return on assets | 1.0195% | 3,384 |
| Return on Equity (ROE) | 11.8581% | 1,589 |
| Retained earnings to average equity (ytd only) | -1.3764% | 4,694 |
| Net charge-offs to loans | 0.0845% | 1,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 22.4000% | 1,501 |
| Efficiency ratio | 73.7089% | 1,785 |
| Assets per employee ($millions) | 4.9551% | 2,582 |
| Cash dividends to net income (ytd only)* | 111.6071% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 3,726 |
| Loan loss allowance to noncurrent loans | 105.9091% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4956% | 2,633 |
| Noncurrent loans to loans | 0.9417% | 1,777 |
| Net loans and leases to total assets | 51.8662% | 4,345 |
| Net loans and leases to deposits | 60.3365% | 4,391 |
| Net loans and leases to core deposits | 65.1237% | 4,320 |
| Total domestic deposits to total assets | 85.9616% | 2,299 |
| Equity capital to assets | 8.8406% | 4,792 |
| Core capital (leverage) ratio | 9.6139% | 4,006 |
| Tier 1 risk-based capital ratio | 15.9205% | 2,477 |
| Total risk-based capital ratio | 16.8075% | 2,546 |
| Memoranda: | ||
| Average total assets | $87,890,500 | 4,295 |
| Average earning assets | $83,772,000 | 4,253 |
| Average equity | $7,556,000 | 4,673 |
| Average total loans | $47,313,000 | 4,360 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3867% | 2,810 |
| Cost of funding earning assets | 0.6768% | 2,229 |
| Net interest margin | 3.7099% | 2,995 |
| Noninterest income to average assets | 0.4119% | 3,367 |
| Noninterest expense to average assets | 2.7448% | 2,876 |
| Loan and lease loss provision to assets | 0.0767% | 2,596 |
| Net operating income to assets | 1.1230% | 2,505 |
| Return on assets (ROA) | 1.1286% | 2,483 |
| Pretax return on assets | 1.1286% | 3,175 |
| Return on Equity (ROE) | 13.9739% | 1,046 |
| Retained earnings to average equity (ytd only) | 1.4533% | 4,553 |
| Net charge-offs to loans | 0.1157% | 1,595 |
| Credit loss provision to net charge-offs | 128.3019% | 2,056 |
| Earnings coverage of net charge-offs (x) | 20.0566% | 2,018 |
| Efficiency ratio | 69.5851% | 2,269 |
| Assets per employee ($millions) | 4.8106% | 2,725 |
| Cash dividends to net income (ytd only)* | 89.6000% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 3,732 |
| Loan loss allowance to noncurrent loans | 122.6221% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 2,758 |
| Noncurrent loans to loans | 0.8121% | 1,981 |
| Net loans and leases to total assets | 54.7673% | 4,225 |
| Net loans and leases to deposits | 65.0995% | 4,178 |
| Net loans and leases to core deposits | 70.3407% | 4,102 |
| Total domestic deposits to total assets | 84.1287% | 2,961 |
| Equity capital to assets | 8.3462% | 5,019 |
| Core capital (leverage) ratio | 9.6946% | 3,906 |
| Tier 1 risk-based capital ratio | 15.9791% | 2,411 |
| Total risk-based capital ratio | 16.8876% | 2,482 |
| Memoranda: | ||
| Average total assets | $88,605,000 | 4,297 |
| Average earning assets | $84,369,200 | 4,245 |
| Average equity | $7,156,200 | 4,724 |
| Average total loans | $45,826,000 | 4,409 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3193% | 2,895 |
| Cost of funding earning assets | 0.6401% | 2,204 |
| Net interest margin | 3.6791% | 3,092 |
| Noninterest income to average assets | 0.4205% | 3,348 |
| Noninterest expense to average assets | 2.5796% | 3,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3496% | 1,664 |
| Return on assets (ROA) | 1.3571% | 1,642 |
| Pretax return on assets | 1.3571% | 2,394 |
| Return on Equity (ROE) | 16.9405% | 550 |
| Retained earnings to average equity (ytd only) | 2.9324% | 4,261 |
| Net charge-offs to loans | 0.0677% | 1,868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 39.2123% | 1,376 |
| Efficiency ratio | 65.6512% | 2,931 |
| Assets per employee ($millions) | 4.8208% | 2,695 |
| Cash dividends to net income (ytd only)* | 82.6908% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9433% | 4,073 |
| Loan loss allowance to noncurrent loans | 132.2289% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.3849% | 3,151 |
| Noncurrent loans to loans | 0.7134% | 2,294 |
| Net loans and leases to total assets | 53.1242% | 4,410 |
| Net loans and leases to deposits | 61.9830% | 4,442 |
| Net loans and leases to core deposits | 67.0097% | 4,356 |
| Total domestic deposits to total assets | 85.7077% | 2,323 |
| Equity capital to assets | 8.0093% | 5,178 |
| Core capital (leverage) ratio | 9.6545% | 3,988 |
| Tier 1 risk-based capital ratio | 16.2751% | 2,345 |
| Total risk-based capital ratio | 17.1212% | 2,429 |
| Memoranda: | ||
| Average total assets | $89,108,750 | 4,326 |
| Average earning assets | $84,981,500 | 4,280 |
| Average equity | $7,138,500 | 4,773 |
| Average total loans | $45,307,500 | 4,472 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2229% | 3,043 |
| Cost of funding earning assets | 0.6190% | 2,114 |
| Net interest margin | 3.6039% | 3,292 |
| Noninterest income to average assets | 0.4228% | 3,337 |
| Noninterest expense to average assets | 2.6366% | 3,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2193% | 2,105 |
| Return on assets (ROA) | 1.2304% | 2,053 |
| Pretax return on assets | 1.2304% | 2,814 |
| Return on Equity (ROE) | 15.3583% | 781 |
| Retained earnings to average equity (ytd only) | 1.4720% | 4,647 |
| Net charge-offs to loans | 0.0267% | 2,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 91.3333% | 740 |
| Efficiency ratio | 68.3785% | 2,579 |
| Assets per employee ($millions) | 4.8902% | 2,571 |
| Cash dividends to net income (ytd only)* | 90.4159% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 3,680 |
| Loan loss allowance to noncurrent loans | 102.9345% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 2,731 |
| Noncurrent loans to loans | 0.9964% | 1,756 |
| Net loans and leases to total assets | 49.9920% | 4,608 |
| Net loans and leases to deposits | 58.2740% | 4,627 |
| Net loans and leases to core deposits | 63.6904% | 4,508 |
| Total domestic deposits to total assets | 85.7880% | 2,381 |
| Equity capital to assets | 7.9251% | 5,251 |
| Core capital (leverage) ratio | 9.3420% | 4,312 |
| Tier 1 risk-based capital ratio | 16.3896% | 2,295 |
| Total risk-based capital ratio | 17.2857% | 2,363 |
| Memoranda: | ||
| Average total assets | $89,887,000 | 4,351 |
| Average earning assets | $85,628,330 | 4,304 |
| Average equity | $7,201,330 | 4,821 |
| Average total loans | $44,897,670 | 4,527 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 3,147 |
| Cost of funding earning assets | 0.6143% | 1,948 |
| Net interest margin | 3.5103% | 3,498 |
| Noninterest income to average assets | 0.4008% | 3,461 |
| Noninterest expense to average assets | 2.7483% | 2,879 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9998% | 2,860 |
| Return on assets (ROA) | 1.0218% | 2,791 |
| Pretax return on assets | 1.0218% | 3,459 |
| Return on Equity (ROE) | 12.6880% | 1,356 |
| Retained earnings to average equity (ytd only) | -0.9844% | 4,911 |
| Net charge-offs to loans | 0.0177% | 2,154 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 113.5000% | 553 |
| Efficiency ratio | 73.3255% | 1,994 |
| Assets per employee ($millions) | 5.0222% | 2,465 |
| Cash dividends to net income (ytd only)* | 107.7586% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 3,701 |
| Loan loss allowance to noncurrent loans | 186.2348% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 3,767 |
| Noncurrent loans to loans | 0.5606% | 2,854 |
| Net loans and leases to total assets | 48.2284% | 4,683 |
| Net loans and leases to deposits | 57.1710% | 4,635 |
| Net loans and leases to core deposits | 62.0250% | 4,549 |
| Total domestic deposits to total assets | 84.3582% | 3,165 |
| Equity capital to assets | 7.8419% | 5,314 |
| Core capital (leverage) ratio | 8.7589% | 4,938 |
| Tier 1 risk-based capital ratio | 16.1785% | 2,399 |
| Total risk-based capital ratio | 17.0786% | 2,489 |
| Memoranda: | ||
| Average total assets | $90,818,500 | 4,385 |
| Average earning assets | $86,603,500 | 4,331 |
| Average equity | $7,314,000 | 4,847 |
| Average total loans | $45,116,000 | 4,563 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1015% | 3,052 |
| Cost of funding earning assets | 0.5659% | 1,848 |
| Net interest margin | 3.5356% | 3,401 |
| Noninterest income to average assets | 0.3692% | 3,830 |
| Noninterest expense to average assets | 2.5345% | 3,664 |
| Loan and lease loss provision to assets | 0.0374% | 3,520 |
| Net operating income to assets | 1.1845% | 1,566 |
| Return on assets (ROA) | 1.3137% | 1,211 |
| Pretax return on assets | 1.3137% | 2,294 |
| Return on Equity (ROE) | 15.9721% | 488 |
| Retained earnings to average equity (ytd only) | 1.3753% | 4,457 |
| Net charge-offs to loans | 0.0414% | 2,956 |
| Credit loss provision to net charge-offs | 194.4444% | 1,401 |
| Earnings coverage of net charge-offs (x) | 63.6111% | 918 |
| Efficiency ratio | 67.4716% | 3,005 |
| Assets per employee ($millions) | 4.5619% | 3,090 |
| Cash dividends to net income (ytd only)* | 91.3891% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 3,943 |
| Loan loss allowance to noncurrent loans | 214.8837% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 3,952 |
| Noncurrent loans to loans | 0.4656% | 3,113 |
| Net loans and leases to total assets | 50.1019% | 4,641 |
| Net loans and leases to deposits | 60.4816% | 4,537 |
| Net loans and leases to core deposits | 65.9720% | 4,415 |
| Total domestic deposits to total assets | 82.8383% | 3,615 |
| Equity capital to assets | 8.2630% | 5,276 |
| Core capital (leverage) ratio | 9.0942% | 4,529 |
| Tier 1 risk-based capital ratio | 15.8169% | 2,503 |
| Total risk-based capital ratio | 16.6988% | 2,582 |
| Memoranda: | ||
| Average total assets | $93,707,800 | 4,353 |
| Average earning assets | $89,772,400 | 4,294 |
| Average equity | $7,707,200 | 4,825 |
| Average total loans | $43,506,800 | 4,628 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0520% | 3,167 |
| Cost of funding earning assets | 0.5612% | 1,798 |
| Net interest margin | 3.4908% | 3,534 |
| Noninterest income to average assets | 0.3703% | 3,875 |
| Noninterest expense to average assets | 2.3959% | 4,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3245% | 1,264 |
| Return on assets (ROA) | 1.4955% | 925 |
| Pretax return on assets | 1.4955% | 1,780 |
| Return on Equity (ROE) | 18.2034% | 318 |
| Retained earnings to average equity (ytd only) | 5.2994% | 2,684 |
| Net charge-offs to loans | 0.0249% | 2,946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 117.0853% | 631 |
| Efficiency ratio | 64.3997% | 3,465 |
| Assets per employee ($millions) | 4.6235% | 2,940 |
| Cash dividends to net income (ytd only)* | 70.8889% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 4,100 |
| Loan loss allowance to noncurrent loans | 224.1026% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 4,226 |
| Noncurrent loans to loans | 0.4436% | 3,374 |
| Net loans and leases to total assets | 47.0693% | 4,880 |
| Net loans and leases to deposits | 55.9203% | 4,879 |
| Net loans and leases to core deposits | 60.5085% | 4,792 |
| Total domestic deposits to total assets | 84.1722% | 3,056 |
| Equity capital to assets | 8.7326% | 5,129 |
| Core capital (leverage) ratio | 9.2276% | 4,491 |
| Tier 1 risk-based capital ratio | 16.3672% | 2,361 |
| Total risk-based capital ratio | 17.2097% | 2,462 |
| Memoranda: | ||
| Average total assets | $94,325,250 | 4,377 |
| Average earning assets | $90,520,750 | 4,318 |
| Average equity | $7,749,250 | 4,872 |
| Average total loans | $42,840,000 | 4,692 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0170% | 3,152 |
| Cost of funding earning assets | 0.5723% | 1,634 |
| Net interest margin | 3.4447% | 3,613 |
| Noninterest income to average assets | 0.3750% | 3,875 |
| Noninterest expense to average assets | 2.3783% | 4,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3060% | 1,280 |
| Return on assets (ROA) | 1.4114% | 1,067 |
| Pretax return on assets | 1.4114% | 1,975 |
| Return on Equity (ROE) | 17.5377% | 366 |
| Retained earnings to average equity (ytd only) | 4.4499% | 3,064 |
| Net charge-offs to loans | -0.0283% | 4,931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5512% | 3,581 |
| Assets per employee ($millions) | 5.2379% | 2,122 |
| Cash dividends to net income (ytd only)* | 74.6269% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 3,722 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 4,597 |
| Noncurrent loans to loans | 0.3221% | 3,880 |
| Net loans and leases to total assets | 43.9708% | 5,043 |
| Net loans and leases to deposits | 51.0447% | 5,101 |
| Net loans and leases to core deposits | 55.3979% | 5,026 |
| Total domestic deposits to total assets | 86.1417% | 2,317 |
| Equity capital to assets | 8.5042% | 5,303 |
| Core capital (leverage) ratio | 8.9255% | 4,809 |
| Tier 1 risk-based capital ratio | 16.6358% | 2,265 |
| Total risk-based capital ratio | 17.5322% | 2,344 |
| Memoranda: | ||
| Average total assets | $94,943,670 | 4,397 |
| Average earning assets | $91,213,330 | 4,321 |
| Average equity | $7,640,670 | 4,908 |
| Average total loans | $42,466,000 | 4,731 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0012% | 3,040 |
| Cost of funding earning assets | 0.5647% | 1,623 |
| Net interest margin | 3.4365% | 3,498 |
| Noninterest income to average assets | 0.3527% | 4,021 |
| Noninterest expense to average assets | 2.5946% | 3,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0538% | 2,059 |
| Return on assets (ROA) | 1.0538% | 2,107 |
| Pretax return on assets | 1.0538% | 3,159 |
| Return on Equity (ROE) | 13.4729% | 909 |
| Retained earnings to average equity (ytd only) | 0.0537% | 4,900 |
| Net charge-offs to loans | -0.0187% | 4,704 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1162% | 2,715 |
| Assets per employee ($millions) | 4.7010% | 2,846 |
| Cash dividends to net income (ytd only)* | 99.6016% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 3,784 |
| Loan loss allowance to noncurrent loans | 264.4970% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 4,518 |
| Noncurrent loans to loans | 0.4110% | 3,622 |
| Net loans and leases to total assets | 43.2604% | 5,082 |
| Net loans and leases to deposits | 49.9908% | 5,133 |
| Net loans and leases to core deposits | 53.9652% | 5,066 |
| Total domestic deposits to total assets | 86.5368% | 2,424 |
| Equity capital to assets | 8.0356% | 5,505 |
| Core capital (leverage) ratio | 8.6668% | 5,081 |
| Tier 1 risk-based capital ratio | 15.6287% | 2,702 |
| Total risk-based capital ratio | 16.4826% | 2,797 |
| Memoranda: | ||
| Average total assets | $95,274,000 | 4,436 |
| Average earning assets | $91,372,500 | 4,362 |
| Average equity | $7,452,000 | 4,977 |
| Average total loans | $42,745,500 | 4,764 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0837% | 2,918 |
| Cost of funding earning assets | 0.6091% | 1,283 |
| Net interest margin | 3.4747% | 3,526 |
| Noninterest income to average assets | 0.3464% | 4,259 |
| Noninterest expense to average assets | 2.4498% | 4,164 |
| Loan and lease loss provision to assets | 0.0321% | 3,713 |
| Net operating income to assets | 1.2037% | 1,502 |
| Return on assets (ROA) | 1.4581% | 928 |
| Pretax return on assets | 1.4581% | 1,725 |
| Return on Equity (ROE) | 16.3077% | 477 |
| Retained earnings to average equity (ytd only) | 1.0872% | 4,870 |
| Net charge-offs to loans | 0.0711% | 2,681 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 38.5484% | 1,207 |
| Efficiency ratio | 66.4703% | 3,515 |
| Assets per employee ($millions) | 4.8265% | 2,608 |
| Cash dividends to net income (ytd only)* | 93.3333% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 4,305 |
| Loan loss allowance to noncurrent loans | 120.9239% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 3,735 |
| Noncurrent loans to loans | 0.8294% | 2,451 |
| Net loans and leases to total assets | 45.5055% | 5,042 |
| Net loans and leases to deposits | 53.0309% | 5,061 |
| Net loans and leases to core deposits | 57.5264% | 4,995 |
| Total domestic deposits to total assets | 85.8094% | 2,676 |
| Equity capital to assets | 7.6133% | 5,689 |
| Core capital (leverage) ratio | 8.4855% | 5,275 |
| Tier 1 risk-based capital ratio | 15.4634% | 2,761 |
| Total risk-based capital ratio | 16.3047% | 2,873 |
| Memoranda: | ||
| Average total assets | $96,702,600 | 4,411 |
| Average earning assets | $92,929,400 | 4,322 |
| Average equity | $8,646,200 | 4,812 |
| Average total loans | $43,626,000 | 4,765 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0697% | 2,987 |
| Cost of funding earning assets | 0.6049% | 1,284 |
| Net interest margin | 3.4647% | 3,613 |
| Noninterest income to average assets | 0.3528% | 4,264 |
| Noninterest expense to average assets | 2.3360% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3478% | 1,172 |
| Return on assets (ROA) | 1.6869% | 648 |
| Pretax return on assets | 1.6869% | 1,149 |
| Return on Equity (ROE) | 18.1925% | 342 |
| Retained earnings to average equity (ytd only) | 7.0451% | 1,607 |
| Net charge-offs to loans | 0.0338% | 2,962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 88.8868% | 710 |
| Efficiency ratio | 63.4119% | 4,016 |
| Assets per employee ($millions) | 4.8585% | 2,554 |
| Cash dividends to net income (ytd only)* | 61.2748% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 4,524 |
| Loan loss allowance to noncurrent loans | 264.6341% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 4,762 |
| Noncurrent loans to loans | 0.3696% | 3,942 |
| Net loans and leases to total assets | 45.2161% | 5,132 |
| Net loans and leases to deposits | 52.5682% | 5,178 |
| Net loans and leases to core deposits | 56.9968% | 5,098 |
| Total domestic deposits to total assets | 86.0141% | 2,341 |
| Equity capital to assets | 9.5257% | 4,637 |
| Core capital (leverage) ratio | 8.8156% | 5,036 |
| Tier 1 risk-based capital ratio | 16.2343% | 2,533 |
| Total risk-based capital ratio | 17.0574% | 2,640 |
| Memoranda: | ||
| Average total assets | $96,746,000 | 4,447 |
| Average earning assets | $93,011,000 | 4,364 |
| Average equity | $8,970,500 | 4,811 |
| Average total loans | $43,439,750 | 4,805 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0367% | 3,115 |
| Cost of funding earning assets | 0.6022% | 1,298 |
| Net interest margin | 3.4345% | 3,742 |
| Noninterest income to average assets | 0.3333% | 4,398 |
| Noninterest expense to average assets | 2.3560% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2836% | 1,322 |
| Return on assets (ROA) | 1.4968% | 939 |
| Pretax return on assets | 1.4968% | 1,676 |
| Return on Equity (ROE) | 16.2924% | 498 |
| Retained earnings to average equity (ytd only) | 10.6588% | 487 |
| Net charge-offs to loans | 0.0649% | 2,269 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 44.2857% | 1,086 |
| Efficiency ratio | 64.7327% | 3,892 |
| Assets per employee ($millions) | 5.5605% | 1,734 |
| Cash dividends to net income (ytd only)* | 34.5781% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 4,564 |
| Loan loss allowance to noncurrent loans | 232.9730% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 4,750 |
| Noncurrent loans to loans | 0.4272% | 3,824 |
| Net loans and leases to total assets | 42.8399% | 5,295 |
| Net loans and leases to deposits | 49.3895% | 5,363 |
| Net loans and leases to core deposits | 53.7709% | 5,292 |
| Total domestic deposits to total assets | 86.7388% | 2,043 |
| Equity capital to assets | 9.5275% | 4,743 |
| Core capital (leverage) ratio | 8.8430% | 5,007 |
| Tier 1 risk-based capital ratio | 16.3555% | 2,482 |
| Total risk-based capital ratio | 17.1791% | 2,614 |
| Memoranda: | ||
| Average total assets | $96,605,000 | 4,488 |
| Average earning assets | $92,997,330 | 4,403 |
| Average equity | $8,875,330 | 4,864 |
| Average total loans | $43,129,670 | 4,859 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 3,032 |
| Cost of funding earning assets | 0.6131% | 1,250 |
| Net interest margin | 3.4380% | 3,727 |
| Noninterest income to average assets | 0.3415% | 4,283 |
| Noninterest expense to average assets | 2.4245% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2270% | 1,466 |
| Return on assets (ROA) | 1.4126% | 1,074 |
| Pretax return on assets | 1.4126% | 1,867 |
| Return on Equity (ROE) | 15.6817% | 571 |
| Retained earnings to average equity (ytd only) | 3.9789% | 3,505 |
| Net charge-offs to loans | -0.0279% | 5,027 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3972% | 3,731 |
| Assets per employee ($millions) | 5.6879% | 1,676 |
| Cash dividends to net income (ytd only)* | 74.6269% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 4,185 |
| Loan loss allowance to noncurrent loans | 169.0566% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.2741% | 4,461 |
| Noncurrent loans to loans | 0.6372% | 3,259 |
| Net loans and leases to total assets | 42.5493% | 5,322 |
| Net loans and leases to deposits | 48.9122% | 5,387 |
| Net loans and leases to core deposits | 53.3950% | 5,293 |
| Total domestic deposits to total assets | 86.9911% | 2,215 |
| Equity capital to assets | 9.1442% | 5,044 |
| Core capital (leverage) ratio | 8.6937% | 5,182 |
| Tier 1 risk-based capital ratio | 16.0323% | 2,665 |
| Total risk-based capital ratio | 16.9113% | 2,766 |
| Memoranda: | ||
| Average total assets | $94,863,000 | 4,556 |
| Average earning assets | $91,333,000 | 4,474 |
| Average equity | $8,545,000 | 4,947 |
| Average total loans | $43,040,000 | 4,899 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 2,621 |
| Cost of funding earning assets | 0.6300% | 1,174 |
| Net interest margin | 3.5502% | 3,325 |
| Noninterest income to average assets | 0.3332% | 4,518 |
| Noninterest expense to average assets | 2.3924% | 4,530 |
| Loan and lease loss provision to assets | 0.2904% | 598 |
| Net operating income to assets | 1.0532% | 2,113 |
| Return on assets (ROA) | 1.0532% | 2,201 |
| Pretax return on assets | 1.0532% | 3,255 |
| Return on Equity (ROE) | 11.4716% | 1,445 |
| Retained earnings to average equity (ytd only) | 1.1460% | 5,055 |
| Net charge-offs to loans | 0.5380% | 479 |
| Credit loss provision to net charge-offs | 114.7186% | 2,220 |
| Earnings coverage of net charge-offs (x) | 5.3074% | 3,413 |
| Efficiency ratio | 64.0364% | 4,254 |
| Assets per employee ($millions) | 5.1684% | 2,159 |
| Cash dividends to net income (ytd only)* | 90.0104% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 4,617 |
| Loan loss allowance to noncurrent loans | 128.9855% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 3,752 |
| Noncurrent loans to loans | 0.7755% | 2,848 |
| Net loans and leases to total assets | 47.3434% | 5,070 |
| Net loans and leases to deposits | 54.3391% | 5,146 |
| Net loans and leases to core deposits | 59.2730% | 5,030 |
| Total domestic deposits to total assets | 87.1258% | 2,064 |
| Equity capital to assets | 8.8659% | 5,255 |
| Core capital (leverage) ratio | 8.7706% | 5,143 |
| Tier 1 risk-based capital ratio | 15.6463% | 2,859 |
| Total risk-based capital ratio | 16.5074% | 2,990 |
| Memoranda: | ||
| Average total assets | $91,248,800 | 4,645 |
| Average earning assets | $87,459,800 | 4,549 |
| Average equity | $8,377,200 | 4,984 |
| Average total loans | $42,937,400 | 4,897 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2003% | 2,570 |
| Cost of funding earning assets | 0.6320% | 1,196 |
| Net interest margin | 3.5683% | 3,276 |
| Noninterest income to average assets | 0.4126% | 3,994 |
| Noninterest expense to average assets | 2.2686% | 4,863 |
| Loan and lease loss provision to assets | 0.2878% | 536 |
| Net operating income to assets | 1.2716% | 1,419 |
| Return on assets (ROA) | 1.2716% | 1,476 |
| Pretax return on assets | 1.2716% | 2,507 |
| Return on Equity (ROE) | 13.7302% | 956 |
| Retained earnings to average equity (ytd only) | 2.6319% | 4,535 |
| Net charge-offs to loans | 0.4857% | 502 |
| Credit loss provision to net charge-offs | 126.4516% | 1,911 |
| Earnings coverage of net charge-offs (x) | 6.8516% | 2,988 |
| Efficiency ratio | 59.2635% | 4,971 |
| Assets per employee ($millions) | 4.5895% | 2,851 |
| Cash dividends to net income (ytd only)* | 80.8313% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 4,444 |
| Loan loss allowance to noncurrent loans | 176.9531% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 4,027 |
| Noncurrent loans to loans | 0.5963% | 3,539 |
| Net loans and leases to total assets | 46.2801% | 5,211 |
| Net loans and leases to deposits | 53.4811% | 5,286 |
| Net loans and leases to core deposits | 58.5342% | 5,158 |
| Total domestic deposits to total assets | 86.5354% | 2,262 |
| Equity capital to assets | 9.4314% | 4,842 |
| Core capital (leverage) ratio | 8.9358% | 5,073 |
| Tier 1 risk-based capital ratio | 16.0792% | 2,761 |
| Total risk-based capital ratio | 16.9722% | 2,872 |
| Memoranda: | ||
| Average total assets | $90,803,250 | 4,701 |
| Average earning assets | $86,912,000 | 4,608 |
| Average equity | $8,409,500 | 5,040 |
| Average total loans | $42,549,500 | 4,967 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1798% | 2,617 |
| Cost of funding earning assets | 0.6248% | 1,259 |
| Net interest margin | 3.5550% | 3,266 |
| Noninterest income to average assets | 0.4266% | 3,877 |
| Noninterest expense to average assets | 2.3454% | 4,729 |
| Loan and lease loss provision to assets | 0.4333% | 251 |
| Net operating income to assets | 1.0566% | 2,116 |
| Return on assets (ROA) | 1.0566% | 2,227 |
| Pretax return on assets | 1.0566% | 3,357 |
| Return on Equity (ROE) | 11.4807% | 1,528 |
| Retained earnings to average equity (ytd only) | 0.6725% | 5,294 |
| Net charge-offs to loans | 0.7260% | 312 |
| Credit loss provision to net charge-offs | 127.2727% | 1,726 |
| Earnings coverage of net charge-offs (x) | 4.3766% | 3,046 |
| Efficiency ratio | 61.1527% | 4,806 |
| Assets per employee ($millions) | 4.5515% | 2,901 |
| Cash dividends to net income (ytd only)* | 94.1423% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 4,441 |
| Loan loss allowance to noncurrent loans | 116.7526% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.5877% | 3,651 |
| Noncurrent loans to loans | 0.9247% | 2,822 |
| Net loans and leases to total assets | 45.5971% | 5,280 |
| Net loans and leases to deposits | 52.4178% | 5,359 |
| Net loans and leases to core deposits | 57.3753% | 5,229 |
| Total domestic deposits to total assets | 86.9878% | 2,177 |
| Equity capital to assets | 8.9860% | 5,245 |
| Core capital (leverage) ratio | 8.6517% | 5,367 |
| Tier 1 risk-based capital ratio | 16.4996% | 2,603 |
| Total risk-based capital ratio | 17.4318% | 2,715 |
| Memoranda: | ||
| Average total assets | $90,474,670 | 4,753 |
| Average earning assets | $86,750,670 | 4,661 |
| Average equity | $8,327,000 | 5,093 |
| Average total loans | $42,421,670 | 5,014 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1379% | 2,681 |
| Cost of funding earning assets | 0.6334% | 1,211 |
| Net interest margin | 3.5045% | 3,424 |
| Noninterest income to average assets | 0.3725% | 4,227 |
| Noninterest expense to average assets | 2.4746% | 4,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2595% | 1,382 |
| Return on assets (ROA) | 1.2595% | 1,465 |
| Pretax return on assets | 1.2595% | 2,429 |
| Return on Equity (ROE) | 13.5230% | 975 |
| Retained earnings to average equity (ytd only) | 1.6190% | 4,830 |
| Net charge-offs to loans | 0.0375% | 2,458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 638 |
| Efficiency ratio | 66.2708% | 4,104 |
| Assets per employee ($millions) | 5.1074% | 2,217 |
| Cash dividends to net income (ytd only)* | 88.0282% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 5,006 |
| Loan loss allowance to noncurrent loans | 146.9314% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 4,184 |
| Noncurrent loans to loans | 0.6823% | 3,573 |
| Net loans and leases to total assets | 43.7199% | 5,370 |
| Net loans and leases to deposits | 50.5299% | 5,421 |
| Net loans and leases to core deposits | 55.1095% | 5,307 |
| Total domestic deposits to total assets | 86.5228% | 2,656 |
| Equity capital to assets | 9.3405% | 4,917 |
| Core capital (leverage) ratio | 8.8102% | 5,192 |
| Tier 1 risk-based capital ratio | 16.9049% | 2,518 |
| Total risk-based capital ratio | 17.7666% | 2,619 |
| Memoranda: | ||
| Average total assets | $90,197,000 | 4,805 |
| Average earning assets | $86,517,000 | 4,707 |
| Average equity | $8,400,500 | 5,113 |
| Average total loans | $42,652,500 | 5,041 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3615% | 2,368 |
| Cost of funding earning assets | 0.6954% | 1,138 |
| Net interest margin | 3.6661% | 3,143 |
| Noninterest income to average assets | 0.2732% | 5,169 |
| Noninterest expense to average assets | 2.3429% | 4,991 |
| Loan and lease loss provision to assets | 0.0284% | 4,038 |
| Net operating income to assets | 1.3583% | 1,167 |
| Return on assets (ROA) | 1.3583% | 1,212 |
| Pretax return on assets | 1.3583% | 2,048 |
| Return on Equity (ROE) | 15.6054% | 679 |
| Retained earnings to average equity (ytd only) | 1.2931% | 5,194 |
| Net charge-offs to loans | 0.0592% | 3,658 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 48.8077% | 945 |
| Efficiency ratio | 62.8186% | 4,780 |
| Assets per employee ($millions) | 4.4231% | 3,159 |
| Cash dividends to net income (ytd only)* | 91.7136% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 5,410 |
| Loan loss allowance to noncurrent loans | 111.9891% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.5810% | 3,847 |
| Noncurrent loans to loans | 0.8209% | 3,262 |
| Net loans and leases to total assets | 50.0718% | 4,972 |
| Net loans and leases to deposits | 57.9090% | 5,068 |
| Net loans and leases to core deposits | 62.7919% | 4,937 |
| Total domestic deposits to total assets | 86.4664% | 2,588 |
| Equity capital to assets | 9.2854% | 4,963 |
| Core capital (leverage) ratio | 8.8581% | 5,170 |
| Tier 1 risk-based capital ratio | 15.9216% | 3,002 |
| Total risk-based capital ratio | 16.7407% | 3,164 |
| Memoranda: | ||
| Average total assets | $91,511,400 | 4,796 |
| Average earning assets | $86,277,200 | 4,731 |
| Average equity | $7,965,200 | 5,210 |
| Average total loans | $43,917,600 | 5,037 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3328% | 2,488 |
| Cost of funding earning assets | 0.6829% | 1,239 |
| Net interest margin | 3.6499% | 3,225 |
| Noninterest income to average assets | 0.3844% | 4,361 |
| Noninterest expense to average assets | 2.2267% | 5,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5865% | 776 |
| Return on assets (ROA) | 1.5865% | 807 |
| Pretax return on assets | 1.5865% | 1,366 |
| Return on Equity (ROE) | 18.5241% | 395 |
| Retained earnings to average equity (ytd only) | 5.8711% | 2,485 |
| Net charge-offs to loans | 0.0244% | 4,022 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 137.2034% | 443 |
| Efficiency ratio | 58.3933% | 5,393 |
| Assets per employee ($millions) | 5.1588% | 2,068 |
| Cash dividends to net income (ytd only)* | 68.3065% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 5,564 |
| Loan loss allowance to noncurrent loans | 130.8442% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.6084% | 4,015 |
| Noncurrent loans to loans | 0.6974% | 3,866 |
| Net loans and leases to total assets | 47.1295% | 5,281 |
| Net loans and leases to deposits | 54.0904% | 5,383 |
| Net loans and leases to core deposits | 58.3388% | 5,311 |
| Total domestic deposits to total assets | 87.1310% | 2,243 |
| Equity capital to assets | 8.8941% | 5,466 |
| Core capital (leverage) ratio | 8.8462% | 5,273 |
| Tier 1 risk-based capital ratio | 16.2400% | 2,933 |
| Total risk-based capital ratio | 17.0348% | 3,106 |
| Memoranda: | ||
| Average total assets | $92,274,000 | 4,836 |
| Average earning assets | $86,685,750 | 4,778 |
| Average equity | $7,903,000 | 5,262 |
| Average total loans | $43,720,750 | 5,098 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3137% | 2,538 |
| Cost of funding earning assets | 0.6897% | 1,244 |
| Net interest margin | 3.6240% | 3,263 |
| Noninterest income to average assets | 0.3931% | 4,286 |
| Noninterest expense to average assets | 2.2959% | 5,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5096% | 854 |
| Return on assets (ROA) | 1.5096% | 892 |
| Pretax return on assets | 1.5096% | 1,507 |
| Return on Equity (ROE) | 17.8564% | 472 |
| Retained earnings to average equity (ytd only) | 5.0101% | 2,952 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3311% | 5,243 |
| Assets per employee ($millions) | 4.9675% | 2,255 |
| Cash dividends to net income (ytd only)* | 71.9424% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 5,582 |
| Loan loss allowance to noncurrent loans | 79.0787% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 0.9567% | 3,147 |
| Noncurrent loans to loans | 1.1962% | 2,843 |
| Net loans and leases to total assets | 45.7084% | 5,396 |
| Net loans and leases to deposits | 52.2877% | 5,480 |
| Net loans and leases to core deposits | 57.1200% | 5,333 |
| Total domestic deposits to total assets | 87.4172% | 2,238 |
| Equity capital to assets | 8.6827% | 5,628 |
| Core capital (leverage) ratio | 8.7101% | 5,384 |
| Tier 1 risk-based capital ratio | 16.0302% | 3,069 |
| Total risk-based capital ratio | 16.8475% | 3,248 |
| Memoranda: | ||
| Average total assets | $92,079,000 | 4,873 |
| Average earning assets | $86,700,330 | 4,815 |
| Average equity | $7,784,330 | 5,318 |
| Average total loans | $43,572,000 | 5,148 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3022% | 2,511 |
| Cost of funding earning assets | 0.7085% | 1,198 |
| Net interest margin | 3.5937% | 3,269 |
| Noninterest income to average assets | 0.3915% | 4,262 |
| Noninterest expense to average assets | 2.3931% | 4,948 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3901% | 1,004 |
| Return on assets (ROA) | 1.3901% | 1,046 |
| Pretax return on assets | 1.3901% | 1,783 |
| Return on Equity (ROE) | 16.6777% | 567 |
| Retained earnings to average equity (ytd only) | 3.4833% | 4,046 |
| Net charge-offs to loans | -0.0275% | 5,509 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2558% | 4,967 |
| Assets per employee ($millions) | 5.0768% | 2,153 |
| Cash dividends to net income (ytd only)* | 79.1139% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 5,630 |
| Loan loss allowance to noncurrent loans | 104.8101% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.8503% | 3,599 |
| Noncurrent loans to loans | 0.9270% | 3,564 |
| Net loans and leases to total assets | 46.1765% | 5,315 |
| Net loans and leases to deposits | 52.8295% | 5,396 |
| Net loans and leases to core deposits | 57.8548% | 5,212 |
| Total domestic deposits to total assets | 87.4067% | 2,564 |
| Equity capital to assets | 8.4984% | 5,657 |
| Core capital (leverage) ratio | 8.7279% | 5,346 |
| Tier 1 risk-based capital ratio | 16.1096% | 3,118 |
| Total risk-based capital ratio | 16.9483% | 3,294 |
| Memoranda: | ||
| Average total assets | $90,927,000 | 4,943 |
| Average earning assets | $85,817,500 | 4,870 |
| Average equity | $7,579,000 | 5,403 |
| Average total loans | $43,581,500 | 5,182 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3270% | 2,855 |
| Cost of funding earning assets | 0.7899% | 1,271 |
| Net interest margin | 3.5371% | 3,733 |
| Noninterest income to average assets | 0.2076% | 5,840 |
| Noninterest expense to average assets | 2.2776% | 5,434 |
| Loan and lease loss provision to assets | 0.0431% | 4,262 |
| Net operating income to assets | 1.2288% | 1,455 |
| Return on assets (ROA) | 1.1901% | 1,679 |
| Pretax return on assets | 1.1901% | 2,619 |
| Return on Equity (ROE) | 13.3314% | 1,103 |
| Retained earnings to average equity (ytd only) | 1.3356% | 5,223 |
| Net charge-offs to loans | 0.0884% | 3,964 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 29.5385% | 1,203 |
| Efficiency ratio | 64.1680% | 4,862 |
| Assets per employee ($millions) | 5.0262% | 2,158 |
| Cash dividends to net income (ytd only)* | 89.9814% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 5,849 |
| Loan loss allowance to noncurrent loans | 89.3478% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 0.9307% | 3,575 |
| Noncurrent loans to loans | 1.0325% | 3,450 |
| Net loans and leases to total assets | 48.7897% | 5,213 |
| Net loans and leases to deposits | 56.3433% | 5,271 |
| Net loans and leases to core deposits | 62.3443% | 5,029 |
| Total domestic deposits to total assets | 86.5936% | 2,941 |
| Equity capital to assets | 8.1705% | 5,892 |
| Core capital (leverage) ratio | 8.5060% | 5,664 |
| Tier 1 risk-based capital ratio | 15.4661% | 3,397 |
| Total risk-based capital ratio | 16.2721% | 3,594 |
| Memoranda: | ||
| Average total assets | $90,577,800 | 4,967 |
| Average earning assets | $85,579,400 | 4,893 |
| Average equity | $8,086,200 | 5,310 |
| Average total loans | $44,101,200 | 5,186 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2748% | 3,093 |
| Cost of funding earning assets | 0.7998% | 1,324 |
| Net interest margin | 3.4750% | 3,997 |
| Noninterest income to average assets | 0.3973% | 4,554 |
| Noninterest expense to average assets | 2.0999% | 5,828 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5775% | 782 |
| Return on assets (ROA) | 1.5260% | 904 |
| Pretax return on assets | 1.5260% | 1,530 |
| Return on Equity (ROE) | 16.7394% | 564 |
| Retained earnings to average equity (ytd only) | 4.6328% | 3,376 |
| Net charge-offs to loans | 0.0273% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 119.1083% | 436 |
| Efficiency ratio | 57.1028% | 5,787 |
| Assets per employee ($millions) | 5.2189% | 1,919 |
| Cash dividends to net income (ytd only)* | 72.3245% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9085% | 6,035 |
| Loan loss allowance to noncurrent loans | 147.2527% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.9538% | 3,762 |
| Noncurrent loans to loans | 0.6169% | 4,662 |
| Net loans and leases to total assets | 46.6777% | 5,474 |
| Net loans and leases to deposits | 53.2432% | 5,612 |
| Net loans and leases to core deposits | 58.6185% | 5,397 |
| Total domestic deposits to total assets | 87.6687% | 2,312 |
| Equity capital to assets | 8.4054% | 5,829 |
| Core capital (leverage) ratio | 8.8810% | 5,277 |
| Tier 1 risk-based capital ratio | 15.5836% | 3,422 |
| Total risk-based capital ratio | 16.3604% | 3,632 |
| Memoranda: | ||
| Average total assets | $90,604,250 | 5,020 |
| Average earning assets | $85,522,500 | 4,942 |
| Average equity | $8,259,750 | 5,322 |
| Average total loans | $43,988,500 | 5,244 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2225% | 3,274 |
| Cost of funding earning assets | 0.8054% | 1,384 |
| Net interest margin | 3.4171% | 4,127 |
| Noninterest income to average assets | 0.4023% | 4,508 |
| Noninterest expense to average assets | 2.0672% | 5,926 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5778% | 773 |
| Return on assets (ROA) | 1.4996% | 969 |
| Pretax return on assets | 1.4996% | 1,622 |
| Return on Equity (ROE) | 16.0124% | 668 |
| Retained earnings to average equity (ytd only) | 4.0807% | 3,696 |
| Net charge-offs to loans | -0.0137% | 5,842 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7137% | 5,875 |
| Assets per employee ($millions) | 4.5178% | 2,795 |
| Cash dividends to net income (ytd only)* | 74.5156% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 5,960 |
| Loan loss allowance to noncurrent loans | 25.0605% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 2.5178% | 1,681 |
| Noncurrent loans to loans | 3.8278% | 1,057 |
| Net loans and leases to total assets | 47.3067% | 5,394 |
| Net loans and leases to deposits | 51.8266% | 5,700 |
| Net loans and leases to core deposits | 55.8833% | 5,606 |
| Total domestic deposits to total assets | 91.2788% | 454 |
| Equity capital to assets | 8.5430% | 5,727 |
| Core capital (leverage) ratio | 8.8103% | 5,277 |
| Tier 1 risk-based capital ratio | 15.8598% | 3,284 |
| Total risk-based capital ratio | 16.6860% | 3,476 |
| Memoranda: | ||
| Average total assets | $89,492,330 | 5,068 |
| Average earning assets | $84,925,670 | 4,985 |
| Average equity | $8,381,000 | 5,342 |
| Average total loans | $43,901,000 | 5,269 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1557% | 3,489 |
| Cost of funding earning assets | 0.8236% | 1,402 |
| Net interest margin | 3.3321% | 4,393 |
| Noninterest income to average assets | 0.3952% | 4,498 |
| Noninterest expense to average assets | 2.3939% | 5,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1812% | 1,583 |
| Return on assets (ROA) | 1.0240% | 2,244 |
| Pretax return on assets | 1.0240% | 3,248 |
| Return on Equity (ROE) | 10.4683% | 1,890 |
| Retained earnings to average equity (ytd only) | -1.0101% | 5,956 |
| Net charge-offs to loans | -0.0632% | 6,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9598% | 4,498 |
| Assets per employee ($millions) | 5.0094% | 2,200 |
| Cash dividends to net income (ytd only)* | 109.6491% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 6,127 |
| Loan loss allowance to noncurrent loans | 165.2174% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8939% | 4,153 |
| Noncurrent loans to loans | 0.5760% | 5,006 |
| Net loans and leases to total assets | 48.2483% | 5,202 |
| Net loans and leases to deposits | 53.4722% | 5,475 |
| Net loans and leases to core deposits | 57.5219% | 5,384 |
| Total domestic deposits to total assets | 90.2306% | 919 |
| Equity capital to assets | 9.5454% | 4,787 |
| Core capital (leverage) ratio | 8.6747% | 5,359 |
| Tier 1 risk-based capital ratio | 15.4510% | 3,557 |
| Total risk-based capital ratio | 16.2838% | 3,770 |
| Memoranda: | ||
| Average total assets | $89,061,000 | 5,123 |
| Average earning assets | $84,992,000 | 5,012 |
| Average equity | $8,712,000 | 5,300 |
| Average total loans | $44,272,500 | 5,292 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5063% | 3,366 |
| Cost of funding earning assets | 0.9832% | 1,443 |
| Net interest margin | 3.5231% | 4,404 |
| Noninterest income to average assets | 0.2944% | 5,361 |
| Noninterest expense to average assets | 2.2633% | 5,776 |
| Loan and lease loss provision to assets | 0.0865% | 4,616 |
| Net operating income to assets | 1.2789% | 1,371 |
| Return on assets (ROA) | 1.2789% | 1,517 |
| Pretax return on assets | 1.2789% | 2,492 |
| Return on Equity (ROE) | 12.8567% | 1,268 |
| Retained earnings to average equity (ytd only) | 1.2427% | 5,247 |
| Net charge-offs to loans | 0.1700% | 4,015 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 15.7792% | 1,631 |
| Efficiency ratio | 62.3723% | 5,186 |
| Assets per employee ($millions) | 4.8863% | 2,372 |
| Cash dividends to net income (ytd only)* | 90.3339% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 6,218 |
| Loan loss allowance to noncurrent loans | 144.2105% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.9528% | 4,123 |
| Noncurrent loans to loans | 0.6387% | 4,921 |
| Net loans and leases to total assets | 50.2666% | 5,134 |
| Net loans and leases to deposits | 56.0890% | 5,440 |
| Net loans and leases to core deposits | 60.9445% | 5,277 |
| Total domestic deposits to total assets | 89.6195% | 1,177 |
| Equity capital to assets | 10.0247% | 4,134 |
| Core capital (leverage) ratio | 8.7592% | 5,247 |
| Tier 1 risk-based capital ratio | 15.8063% | 3,265 |
| Total risk-based capital ratio | 16.6416% | 3,455 |
| Memoranda: | ||
| Average total assets | $88,985,800 | 5,114 |
| Average earning assets | $84,215,400 | 5,008 |
| Average equity | $8,851,400 | 5,261 |
| Average total loans | $45,285,800 | 5,276 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 3,492 |
| Cost of funding earning assets | 1.0096% | 1,501 |
| Net interest margin | 3.5267% | 4,540 |
| Noninterest income to average assets | 0.4288% | 4,420 |
| Noninterest expense to average assets | 2.1499% | 6,070 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6135% | 814 |
| Return on assets (ROA) | 1.6135% | 905 |
| Pretax return on assets | 1.6135% | 1,527 |
| Return on Equity (ROE) | 16.2524% | 707 |
| Retained earnings to average equity (ytd only) | 4.9660% | 3,388 |
| Net charge-offs to loans | 0.1584% | 3,850 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 19.9994% | 1,467 |
| Efficiency ratio | 57.1258% | 5,905 |
| Assets per employee ($millions) | 4.8570% | 2,371 |
| Cash dividends to net income (ytd only)* | 69.4450% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7945% | 6,618 |
| Loan loss allowance to noncurrent loans | 147.1074% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 1.1415% | 4,004 |
| Noncurrent loans to loans | 0.5401% | 5,362 |
| Net loans and leases to total assets | 50.8476% | 5,208 |
| Net loans and leases to deposits | 57.0677% | 5,527 |
| Net loans and leases to core deposits | 62.0849% | 5,351 |
| Total domestic deposits to total assets | 89.1005% | 1,372 |
| Equity capital to assets | 10.5541% | 3,776 |
| Core capital (leverage) ratio | 8.8717% | 5,236 |
| Tier 1 risk-based capital ratio | 15.8895% | 3,330 |
| Total risk-based capital ratio | 16.5968% | 3,577 |
| Memoranda: | ||
| Average total assets | $89,244,000 | 5,166 |
| Average earning assets | $84,383,750 | 5,063 |
| Average equity | $8,860,000 | 5,305 |
| Average total loans | $45,451,750 | 5,325 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3582% | 4,353 |
| Cost of funding earning assets | 1.0385% | 1,536 |
| Net interest margin | 3.3198% | 5,392 |
| Noninterest income to average assets | 0.4318% | 4,422 |
| Noninterest expense to average assets | 2.1391% | 6,159 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4380% | 1,113 |
| Return on assets (ROA) | 1.4380% | 1,248 |
| Pretax return on assets | 1.4380% | 2,056 |
| Return on Equity (ROE) | 14.7866% | 972 |
| Retained earnings to average equity (ytd only) | 3.3419% | 4,374 |
| Net charge-offs to loans | 0.0219% | 5,094 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 129.2000% | 346 |
| Efficiency ratio | 59.8009% | 5,609 |
| Assets per employee ($millions) | 4.9678% | 2,216 |
| Cash dividends to net income (ytd only)* | 77.3994% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8729% | 6,525 |
| Loan loss allowance to noncurrent loans | 102.5253% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 1.1541% | 4,081 |
| Noncurrent loans to loans | 0.8514% | 4,816 |
| Net loans and leases to total assets | 51.5572% | 5,148 |
| Net loans and leases to deposits | 57.4363% | 5,513 |
| Net loans and leases to core deposits | 62.6655% | 5,332 |
| Total domestic deposits to total assets | 89.7641% | 1,065 |
| Equity capital to assets | 9.9048% | 4,477 |
| Core capital (leverage) ratio | 8.6898% | 5,397 |
| Tier 1 risk-based capital ratio | 14.7520% | 3,932 |
| Total risk-based capital ratio | 15.5185% | 4,217 |
| Memoranda: | ||
| Average total assets | $89,850,000 | 5,174 |
| Average earning assets | $85,126,000 | 5,074 |
| Average equity | $8,737,670 | 5,342 |
| Average total loans | $45,665,670 | 5,355 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 3,772 |
| Cost of funding earning assets | 1.0688% | 1,566 |
| Net interest margin | 3.4676% | 4,835 |
| Noninterest income to average assets | 0.4130% | 4,573 |
| Noninterest expense to average assets | 2.3938% | 5,493 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3191% | 1,406 |
| Return on assets (ROA) | 1.3191% | 1,576 |
| Pretax return on assets | 1.3191% | 2,476 |
| Return on Equity (ROE) | 13.6898% | 1,256 |
| Retained earnings to average equity (ytd only) | 2.1664% | 5,178 |
| Net charge-offs to loans | -0.0973% | 6,773 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4737% | 4,835 |
| Assets per employee ($millions) | 5.2483% | 1,929 |
| Cash dividends to net income (ytd only)* | 84.1751% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 6,479 |
| Loan loss allowance to noncurrent loans | 66.1442% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.4279% | 3,719 |
| Noncurrent loans to loans | 1.4031% | 4,009 |
| Net loans and leases to total assets | 50.4926% | 5,234 |
| Net loans and leases to deposits | 56.2176% | 5,574 |
| Net loans and leases to core deposits | 61.7039% | 5,358 |
| Total domestic deposits to total assets | 89.8163% | 1,178 |
| Equity capital to assets | 9.8150% | 4,352 |
| Core capital (leverage) ratio | 8.5334% | 5,538 |
| Tier 1 risk-based capital ratio | 14.7628% | 3,918 |
| Total risk-based capital ratio | 15.5704% | 4,202 |
| Memoranda: | ||
| Average total assets | $90,064,500 | 5,204 |
| Average earning assets | $85,707,000 | 5,093 |
| Average equity | $8,678,000 | 5,368 |
| Average total loans | $45,244,000 | 5,405 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5631% | 4,819 |
| Cost of funding earning assets | 1.3019% | 1,478 |
| Net interest margin | 3.2612% | 5,927 |
| Noninterest income to average assets | 0.4074% | 4,559 |
| Noninterest expense to average assets | 2.1881% | 6,297 |
| Loan and lease loss provision to assets | 0.0436% | 6,030 |
| Net operating income to assets | 1.2569% | 1,361 |
| Return on assets (ROA) | 1.2614% | 1,444 |
| Pretax return on assets | 1.2614% | 2,269 |
| Return on Equity (ROE) | 13.3483% | 1,076 |
| Retained earnings to average equity (ytd only) | -0.2724% | 5,900 |
| Net charge-offs to loans | 0.0922% | 5,420 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 29.7949% | 851 |
| Efficiency ratio | 62.7206% | 5,348 |
| Assets per employee ($millions) | 5.0504% | 2,128 |
| Cash dividends to net income (ytd only)* | 102.0408% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 6,507 |
| Loan loss allowance to noncurrent loans | 43.4461% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 1.7402% | 3,338 |
| Noncurrent loans to loans | 2.1015% | 3,063 |
| Net loans and leases to total assets | 49.0661% | 5,707 |
| Net loans and leases to deposits | 54.4309% | 6,028 |
| Net loans and leases to core deposits | 59.5965% | 5,882 |
| Total domestic deposits to total assets | 90.1439% | 916 |
| Equity capital to assets | 9.4590% | 4,945 |
| Core capital (leverage) ratio | 8.2526% | 5,924 |
| Tier 1 risk-based capital ratio | 14.4533% | 4,002 |
| Total risk-based capital ratio | 15.2309% | 4,291 |
| Memoranda: | ||
| Average total assets | $89,348,600 | 5,202 |
| Average earning assets | $84,415,600 | 5,108 |
| Average equity | $8,443,000 | 5,422 |
| Average total loans | $42,306,200 | 5,594 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6221% | 4,779 |
| Cost of funding earning assets | 1.3245% | 1,574 |
| Net interest margin | 3.2976% | 5,865 |
| Noninterest income to average assets | 0.4062% | 4,620 |
| Noninterest expense to average assets | 2.1253% | 6,461 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3894% | 1,181 |
| Return on assets (ROA) | 1.3954% | 1,242 |
| Pretax return on assets | 1.3954% | 1,953 |
| Return on Equity (ROE) | 14.7703% | 877 |
| Retained earnings to average equity (ytd only) | 2.8716% | 4,638 |
| Net charge-offs to loans | 0.0833% | 5,144 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 35.6496% | 834 |
| Efficiency ratio | 60.4691% | 5,642 |
| Assets per employee ($millions) | 5.2177% | 1,910 |
| Cash dividends to net income (ytd only)* | 80.5591% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9437% | 6,469 |
| Loan loss allowance to noncurrent loans | 50.3916% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 1.4928% | 3,875 |
| Noncurrent loans to loans | 1.8727% | 3,539 |
| Net loans and leases to total assets | 43.1419% | 6,416 |
| Net loans and leases to deposits | 47.9010% | 6,626 |
| Net loans and leases to core deposits | 52.2894% | 6,546 |
| Total domestic deposits to total assets | 90.0647% | 831 |
| Equity capital to assets | 9.5775% | 4,966 |
| Core capital (leverage) ratio | 8.1652% | 6,173 |
| Tier 1 risk-based capital ratio | 15.6198% | 3,324 |
| Total risk-based capital ratio | 16.3885% | 3,553 |
| Memoranda: | ||
| Average total assets | $88,958,750 | 5,249 |
| Average earning assets | $83,855,500 | 5,163 |
| Average equity | $8,404,000 | 5,468 |
| Average total loans | $41,628,750 | 5,661 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6904% | 4,570 |
| Cost of funding earning assets | 1.3564% | 1,614 |
| Net interest margin | 3.3340% | 5,759 |
| Noninterest income to average assets | 0.3894% | 4,762 |
| Noninterest expense to average assets | 2.2335% | 6,294 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3035% | 1,307 |
| Return on assets (ROA) | 1.3126% | 1,358 |
| Pretax return on assets | 1.3126% | 2,096 |
| Return on Equity (ROE) | 13.9637% | 989 |
| Retained earnings to average equity (ytd only) | 1.7790% | 5,103 |
| Net charge-offs to loans | 0.1146% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 23.7083% | 1,085 |
| Efficiency ratio | 63.1477% | 5,378 |
| Assets per employee ($millions) | 5.6463% | 1,448 |
| Cash dividends to net income (ytd only)* | 87.2600% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 6,491 |
| Loan loss allowance to noncurrent loans | 83.2258% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.1231% | 4,651 |
| Noncurrent loans to loans | 1.1503% | 4,738 |
| Net loans and leases to total assets | 41.7119% | 6,610 |
| Net loans and leases to deposits | 45.9694% | 6,833 |
| Net loans and leases to core deposits | 50.0300% | 6,755 |
| Total domestic deposits to total assets | 90.7383% | 611 |
| Equity capital to assets | 8.9335% | 5,673 |
| Core capital (leverage) ratio | 8.1793% | 6,067 |
| Tier 1 risk-based capital ratio | 15.5528% | 3,214 |
| Total risk-based capital ratio | 16.3311% | 3,419 |
| Memoranda: | ||
| Average total assets | $87,305,670 | 5,332 |
| Average earning assets | $82,423,000 | 5,250 |
| Average equity | $8,207,000 | 5,550 |
| Average total loans | $41,870,330 | 5,709 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8367% | 3,887 |
| Cost of funding earning assets | 1.4060% | 1,578 |
| Net interest margin | 3.4307% | 5,299 |
| Noninterest income to average assets | 0.3471% | 5,131 |
| Noninterest expense to average assets | 2.3383% | 6,083 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2439% | 1,403 |
| Return on assets (ROA) | 1.2632% | 1,414 |
| Pretax return on assets | 1.2632% | 2,154 |
| Return on Equity (ROE) | 13.0624% | 1,178 |
| Retained earnings to average equity (ytd only) | 0.5983% | 5,592 |
| Net charge-offs to loans | 0.0751% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 32.2500% | 794 |
| Efficiency ratio | 65.2759% | 5,156 |
| Assets per employee ($millions) | 4.9037% | 2,294 |
| Cash dividends to net income (ytd only)* | 95.4198% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 6,512 |
| Loan loss allowance to noncurrent loans | 103.8560% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.2056% | 4,540 |
| Noncurrent loans to loans | 0.9243% | 5,185 |
| Net loans and leases to total assets | 49.9982% | 5,849 |
| Net loans and leases to deposits | 55.5467% | 6,169 |
| Net loans and leases to core deposits | 60.6811% | 6,050 |
| Total domestic deposits to total assets | 90.0112% | 1,142 |
| Equity capital to assets | 9.5990% | 4,312 |
| Core capital (leverage) ratio | 9.2567% | 4,195 |
| Tier 1 risk-based capital ratio | 15.7966% | 3,003 |
| Total risk-based capital ratio | 16.6282% | 3,184 |
| Memoranda: | ||
| Average total assets | $82,965,000 | 5,497 |
| Average earning assets | $78,235,500 | 5,410 |
| Average equity | $8,023,000 | 5,597 |
| Average total loans | $42,593,000 | 5,722 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4870% | 2,341 |
| Cost of funding earning assets | 1.5631% | 2,284 |
| Net interest margin | 3.9238% | 3,380 |
| Noninterest income to average assets | 0.4727% | 4,364 |
| Noninterest expense to average assets | 2.4593% | 5,918 |
| Loan and lease loss provision to assets | 0.0842% | 6,308 |
| Net operating income to assets | 1.6408% | 580 |
| Return on assets (ROA) | 1.6307% | 638 |
| Pretax return on assets | 1.6307% | 1,074 |
| Return on Equity (ROE) | 15.6605% | 621 |
| Retained earnings to average equity (ytd only) | 1.2920% | 4,904 |
| Net charge-offs to loans | 0.1512% | 5,445 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 20.4776% | 1,000 |
| Efficiency ratio | 58.7740% | 6,236 |
| Assets per employee ($millions) | 5.1604% | 1,928 |
| Cash dividends to net income (ytd only)* | 91.7502% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 6,563 |
| Loan loss allowance to noncurrent loans | 92.7765% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 1.2741% | 4,488 |
| Noncurrent loans to loans | 1.0278% | 5,013 |
| Net loans and leases to total assets | 51.7047% | 5,959 |
| Net loans and leases to deposits | 57.5606% | 6,297 |
| Net loans and leases to core deposits | 62.3982% | 6,205 |
| Total domestic deposits to total assets | 89.8264% | 1,198 |
| Equity capital to assets | 9.7424% | 4,063 |
| Core capital (leverage) ratio | 9.3561% | 3,918 |
| Tier 1 risk-based capital ratio | 15.4482% | 3,018 |
| Total risk-based capital ratio | 16.2771% | 3,189 |
| Memoranda: | ||
| Average total assets | $79,535,600 | 5,607 |
| Average earning assets | $75,232,800 | 5,502 |
| Average equity | $8,282,000 | 5,622 |
| Average total loans | $44,319,400 | 5,735 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2014% | 3,821 |
| Cost of funding earning assets | 1.5812% | 2,499 |
| Net interest margin | 3.6202% | 4,785 |
| Noninterest income to average assets | 0.4840% | 4,305 |
| Noninterest expense to average assets | 2.3915% | 6,058 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5182% | 887 |
| Return on assets (ROA) | 1.5605% | 884 |
| Pretax return on assets | 1.5605% | 1,445 |
| Return on Equity (ROE) | 14.7372% | 905 |
| Retained earnings to average equity (ytd only) | 3.0689% | 4,286 |
| Net charge-offs to loans | 0.2211% | 4,616 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 12.1221% | 1,721 |
| Efficiency ratio | 61.1688% | 5,764 |
| Assets per employee ($millions) | 4.4491% | 2,989 |
| Cash dividends to net income (ytd only)* | 79.1760% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7581% | 7,089 |
| Loan loss allowance to noncurrent loans | 26.8467% | 6,524 |
| Noncurrent assets plus other real estate owned to assets | 1.8244% | 3,715 |
| Noncurrent loans to loans | 2.8236% | 2,826 |
| Net loans and leases to total assets | 55.2552% | 5,662 |
| Net loans and leases to deposits | 62.1131% | 6,105 |
| Net loans and leases to core deposits | 67.5676% | 5,990 |
| Total domestic deposits to total assets | 88.9590% | 1,410 |
| Equity capital to assets | 10.6365% | 3,366 |
| Core capital (leverage) ratio | 9.7275% | 3,582 |
| Tier 1 risk-based capital ratio | 15.5623% | 2,965 |
| Total risk-based capital ratio | 16.2414% | 3,242 |
| Memoranda: | ||
| Average total assets | $78,777,750 | 5,696 |
| Average earning assets | $74,542,250 | 5,590 |
| Average equity | $8,341,500 | 5,678 |
| Average total loans | $44,623,750 | 5,801 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2567% | 3,674 |
| Cost of funding earning assets | 1.5821% | 2,758 |
| Net interest margin | 3.6746% | 4,478 |
| Noninterest income to average assets | 0.5693% | 3,549 |
| Noninterest expense to average assets | 2.4686% | 5,843 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5751% | 776 |
| Return on assets (ROA) | 1.6390% | 711 |
| Pretax return on assets | 1.6390% | 1,189 |
| Return on Equity (ROE) | 15.5022% | 763 |
| Retained earnings to average equity (ytd only) | 3.6703% | 3,763 |
| Net charge-offs to loans | 0.1613% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 17.1389% | 1,364 |
| Efficiency ratio | 61.0480% | 5,847 |
| Assets per employee ($millions) | 4.7285% | 2,539 |
| Cash dividends to net income (ytd only)* | 76.3240% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 6,913 |
| Loan loss allowance to noncurrent loans | 18.0985% | 7,026 |
| Noncurrent assets plus other real estate owned to assets | 2.8613% | 2,523 |
| Noncurrent loans to loans | 4.6865% | 1,527 |
| Net loans and leases to total assets | 54.5345% | 5,910 |
| Net loans and leases to deposits | 61.1924% | 6,291 |
| Net loans and leases to core deposits | 65.9967% | 6,247 |
| Total domestic deposits to total assets | 89.1197% | 1,369 |
| Equity capital to assets | 10.4847% | 3,429 |
| Core capital (leverage) ratio | 9.7288% | 3,497 |
| Tier 1 risk-based capital ratio | 15.3722% | 2,966 |
| Total risk-based capital ratio | 16.1203% | 3,194 |
| Memoranda: | ||
| Average total assets | $78,342,670 | 5,748 |
| Average earning assets | $74,076,670 | 5,638 |
| Average equity | $8,282,670 | 5,702 |
| Average total loans | $44,635,670 | 5,835 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4054% | 3,015 |
| Cost of funding earning assets | 1.5727% | 3,121 |
| Net interest margin | 3.8327% | 3,658 |
| Noninterest income to average assets | 0.5328% | 3,792 |
| Noninterest expense to average assets | 2.4469% | 5,926 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6916% | 628 |
| Return on assets (ROA) | 1.6916% | 679 |
| Pretax return on assets | 1.6916% | 1,073 |
| Return on Equity (ROE) | 15.9318% | 731 |
| Retained earnings to average equity (ytd only) | 4.2387% | 3,609 |
| Net charge-offs to loans | 0.1873% | 3,802 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 15.5714% | 1,376 |
| Efficiency ratio | 59.1250% | 6,322 |
| Assets per employee ($millions) | 4.5938% | 2,812 |
| Cash dividends to net income (ytd only)* | 73.3945% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8803% | 6,899 |
| Loan loss allowance to noncurrent loans | 22.1843% | 6,900 |
| Noncurrent assets plus other real estate owned to assets | 2.8363% | 2,554 |
| Noncurrent loans to loans | 3.9682% | 1,976 |
| Net loans and leases to total assets | 56.2297% | 5,710 |
| Net loans and leases to deposits | 63.1509% | 6,154 |
| Net loans and leases to core deposits | 67.9805% | 6,103 |
| Total domestic deposits to total assets | 89.0401% | 1,498 |
| Equity capital to assets | 10.5872% | 3,156 |
| Core capital (leverage) ratio | 9.8373% | 3,357 |
| Tier 1 risk-based capital ratio | 15.2683% | 2,976 |
| Total risk-based capital ratio | 16.0476% | 3,167 |
| Memoranda: | ||
| Average total assets | $77,322,000 | 5,840 |
| Average earning assets | $72,742,000 | 5,752 |
| Average equity | $8,210,000 | 5,766 |
| Average total loans | $44,847,500 | 5,893 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7890% | 2,702 |
| Cost of funding earning assets | 1.7251% | 4,375 |
| Net interest margin | 4.0640% | 2,593 |
| Noninterest income to average assets | 0.5355% | 4,140 |
| Noninterest expense to average assets | 2.5014% | 6,124 |
| Loan and lease loss provision to assets | 0.1359% | 6,282 |
| Net operating income to assets | 1.6123% | 531 |
| Return on assets (ROA) | 1.1428% | 1,427 |
| Pretax return on assets | 1.2174% | 1,909 |
| Return on Equity (ROE) | 11.1368% | 1,390 |
| Retained earnings to average equity (ytd only) | 3.4786% | 2,736 |
| Net charge-offs to loans | 0.2291% | 5,180 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 13.6373% | 1,414 |
| Efficiency ratio | 57.4488% | 6,842 |
| Assets per employee ($millions) | 4.2528% | 3,342 |
| Cash dividends to net income (ytd only)* | 68.7646% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 6,787 |
| Loan loss allowance to noncurrent loans | 40.6931% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 1.9164% | 3,507 |
| Noncurrent loans to loans | 2.2250% | 3,369 |
| Net loans and leases to total assets | 58.7616% | 5,525 |
| Net loans and leases to deposits | 66.0878% | 6,034 |
| Net loans and leases to core deposits | 85.6702% | 5,548 |
| Total domestic deposits to total assets | 88.9144% | 1,518 |
| Equity capital to assets | 10.6492% | 3,023 |
| Core capital (leverage) ratio | 10.0762% | 3,016 |
| Tier 1 risk-based capital ratio | 14.9668% | 2,960 |
| Total risk-based capital ratio | 15.7812% | 3,142 |
| Memoranda: | ||
| Average total assets | $75,077,000 | 5,869 |
| Average earning assets | $70,547,000 | 5,797 |
| Average equity | $7,704,200 | 6,021 |
| Average total loans | $44,529,600 | 5,906 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8017% | 2,886 |
| Cost of funding earning assets | 1.7502% | 4,633 |
| Net interest margin | 4.0515% | 2,593 |
| Noninterest income to average assets | 0.5033% | 4,455 |
| Noninterest expense to average assets | 2.2772% | 6,762 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.9273% | 339 |
| Return on assets (ROA) | 1.3385% | 1,206 |
| Pretax return on assets | 1.4170% | 1,649 |
| Return on Equity (ROE) | 13.1711% | 1,074 |
| Retained earnings to average equity (ytd only) | 5.2684% | 2,334 |
| Net charge-offs to loans | 0.1294% | 5,403 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 26.6288% | 1,013 |
| Efficiency ratio | 52.7055% | 7,356 |
| Assets per employee ($millions) | 4.1363% | 3,492 |
| Cash dividends to net income (ytd only)* | 60.0002% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8129% | 7,079 |
| Loan loss allowance to noncurrent loans | 29.5820% | 6,487 |
| Noncurrent assets plus other real estate owned to assets | 1.9999% | 3,347 |
| Noncurrent loans to loans | 2.7478% | 2,761 |
| Net loans and leases to total assets | 60.3111% | 5,536 |
| Net loans and leases to deposits | 67.8493% | 6,137 |
| Net loans and leases to core deposits | 87.7768% | 5,661 |
| Total domestic deposits to total assets | 88.8898% | 1,244 |
| Equity capital to assets | 10.7288% | 3,263 |
| Core capital (leverage) ratio | 10.0844% | 3,197 |
| Tier 1 risk-based capital ratio | 15.1971% | 2,953 |
| Total risk-based capital ratio | 15.9344% | 3,128 |
| Memoranda: | ||
| Average total assets | $74,708,750 | 5,919 |
| Average earning assets | $70,391,250 | 5,830 |
| Average equity | $7,592,250 | 6,116 |
| Average total loans | $44,313,750 | 5,958 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7998% | 3,045 |
| Cost of funding earning assets | 1.7789% | 4,867 |
| Net interest margin | 4.0209% | 2,609 |
| Noninterest income to average assets | 0.3958% | 5,330 |
| Noninterest expense to average assets | 2.2462% | 6,927 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8157% | 442 |
| Return on assets (ROA) | 1.8157% | 486 |
| Pretax return on assets | 1.9333% | 650 |
| Return on Equity (ROE) | 18.2029% | 475 |
| Retained earnings to average equity (ytd only) | 8.8200% | 981 |
| Net charge-offs to loans | -0.0227% | 7,722 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7428% | 7,357 |
| Assets per employee ($millions) | 4.1371% | 3,420 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 6,663 |
| Loan loss allowance to noncurrent loans | 35.9862% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 1.7336% | 3,581 |
| Noncurrent loans to loans | 2.5734% | 2,817 |
| Net loans and leases to total assets | 59.7639% | 5,717 |
| Net loans and leases to deposits | 67.0296% | 6,287 |
| Net loans and leases to core deposits | 85.8639% | 5,919 |
| Total domestic deposits to total assets | 89.1604% | 1,192 |
| Equity capital to assets | 10.4622% | 3,452 |
| Core capital (leverage) ratio | 10.0886% | 3,200 |
| Tier 1 risk-based capital ratio | 15.1900% | 2,941 |
| Total risk-based capital ratio | 16.0200% | 3,050 |
| Memoranda: | ||
| Average total assets | $74,793,670 | 5,955 |
| Average earning assets | $70,381,670 | 5,873 |
| Average equity | $7,460,330 | 6,199 |
| Average total loans | $43,994,330 | 6,025 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6955% | 3,829 |
| Cost of funding earning assets | 1.7971% | 5,126 |
| Net interest margin | 3.8984% | 3,047 |
| Noninterest income to average assets | 0.2722% | 6,252 |
| Noninterest expense to average assets | 2.4814% | 5,908 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3981% | 1,142 |
| Return on assets (ROA) | 1.3981% | 1,231 |
| Pretax return on assets | 1.4835% | 1,712 |
| Return on Equity (ROE) | 14.3660% | 1,095 |
| Retained earnings to average equity (ytd only) | 0.6580% | 5,399 |
| Net charge-offs to loans | -0.0459% | 7,668 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5841% | 5,953 |
| Assets per employee ($millions) | 4.1881% | 3,276 |
| Cash dividends to net income (ytd only)* | 95.4198% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 6,406 |
| Loan loss allowance to noncurrent loans | 36.6111% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 1.5971% | 3,519 |
| Noncurrent loans to loans | 2.6335% | 2,497 |
| Net loans and leases to total assets | 56.8196% | 6,124 |
| Net loans and leases to deposits | 63.2853% | 6,628 |
| Net loans and leases to core deposits | 79.4797% | 6,424 |
| Total domestic deposits to total assets | 89.7832% | 893 |
| Equity capital to assets | 9.8148% | 4,224 |
| Core capital (leverage) ratio | 9.8266% | 3,606 |
| Tier 1 risk-based capital ratio | 14.9564% | 3,088 |
| Total risk-based capital ratio | 15.8114% | 3,207 |
| Memoranda: | ||
| Average total assets | $74,956,500 | 5,975 |
| Average earning assets | $71,004,000 | 5,879 |
| Average equity | $7,295,000 | 6,301 |
| Average total loans | $43,531,000 | 6,073 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4414% | 3,219 |
| Cost of funding earning assets | 2.3677% | 4,862 |
| Net interest margin | 4.0737% | 2,819 |
| Noninterest income to average assets | 0.5312% | 4,387 |
| Noninterest expense to average assets | 2.6120% | 5,603 |
| Loan and lease loss provision to assets | 0.2155% | 4,732 |
| Net operating income to assets | 1.4000% | 1,229 |
| Return on assets (ROA) | 1.4000% | 1,182 |
| Pretax return on assets | 1.4892% | 1,714 |
| Return on Equity (ROE) | 13.5794% | 1,192 |
| Retained earnings to average equity (ytd only) | -4.3933% | 6,399 |
| Net charge-offs to loans | 0.3605% | 3,034 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 7.9108% | 2,995 |
| Efficiency ratio | 60.5087% | 6,256 |
| Assets per employee ($millions) | 4.1404% | 3,233 |
| Cash dividends to net income (ytd only)* | 132.3529% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9381% | 6,459 |
| Loan loss allowance to noncurrent loans | 23.0252% | 7,099 |
| Noncurrent assets plus other real estate owned to assets | 2.4541% | 1,975 |
| Noncurrent loans to loans | 4.0743% | 1,202 |
| Net loans and leases to total assets | 58.2339% | 6,170 |
| Net loans and leases to deposits | 64.7752% | 6,730 |
| Net loans and leases to core deposits | 82.7818% | 6,396 |
| Total domestic deposits to total assets | 89.9016% | 687 |
| Equity capital to assets | 9.6489% | 4,487 |
| Core capital (leverage) ratio | 10.0591% | 3,388 |
| Tier 1 risk-based capital ratio | 14.9765% | 3,060 |
| Total risk-based capital ratio | 15.8217% | 3,180 |
| Memoranda: | ||
| Average total assets | $72,855,800 | 5,939 |
| Average earning assets | $67,702,200 | 5,905 |
| Average equity | $7,511,400 | 6,275 |
| Average total loans | $43,548,800 | 6,001 |