Home > Peoples Exchange Bank > Performance and Condition Ratios
Peoples Exchange Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2030% | 1,653 |
| Cost of funding earning assets | 1.3080% | 2,494 |
| Net interest margin | 3.8950% | 1,388 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 3.1142% | 940 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.6473% | 3,314 |
| Return on assets (ROA) | 0.6441% | 3,305 |
| Pretax return on assets | 0.8261% | 3,150 |
| Return on Equity (ROE) | 6.8000% | 3,328 |
| Retained earnings to average equity (ytd only) | 4.7131% | 2,709 |
| Net charge-offs to loans | 0.0715% | 1,137 |
| Credit loss provision to net charge-offs | 183.7838% | 1,286 |
| Earnings coverage of net charge-offs (x) | 23.4054% | 1,792 |
| Efficiency ratio | 77.5590% | 1,109 |
| Assets per employee ($millions) | 3.6333% | 4,260 |
| Cash dividends to net income (ytd only)* | 30.6947% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,306 |
| Loan loss allowance to noncurrent loans | 149.9040% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.6983% | 747 |
| Noncurrent loans to loans | 0.9483% | 782 |
| Net loans and leases to total assets | 55.2100% | 3,264 |
| Net loans and leases to deposits | 61.2656% | 3,454 |
| Net loans and leases to core deposits | 67.9284% | 3,411 |
| Total domestic deposits to total assets | 90.1200% | 725 |
| Equity capital to assets | 9.5730% | 2,293 |
| Core capital (leverage) ratio | 12.3992% | 1,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $96,109,400 | 3,860 |
| Average earning assets | $89,832,800 | 3,837 |
| Average equity | $9,102,200 | 3,813 |
| Average total loans | $51,718,600 | 3,820 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1595% | 1,526 |
| Cost of funding earning assets | 1.1397% | 2,627 |
| Net interest margin | 4.0197% | 1,192 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 3.0944% | 935 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8008% | 3,021 |
| Return on assets (ROA) | 0.7963% | 3,030 |
| Pretax return on assets | 0.9789% | 2,915 |
| Return on Equity (ROE) | 8.4300% | 3,076 |
| Retained earnings to average equity (ytd only) | 8.4309% | 1,829 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.8146% | 1,289 |
| Assets per employee ($millions) | 3.5684% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 1,236 |
| Loan loss allowance to noncurrent loans | 100.8917% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.9673% | 549 |
| Noncurrent loans to loans | 1.4438% | 509 |
| Net loans and leases to total assets | 55.6100% | 3,234 |
| Net loans and leases to deposits | 61.5045% | 3,432 |
| Net loans and leases to core deposits | 67.1837% | 3,368 |
| Total domestic deposits to total assets | 90.4200% | 834 |
| Equity capital to assets | 9.1356% | 2,338 |
| Core capital (leverage) ratio | 12.4221% | 1,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $95,612,000 | 3,881 |
| Average earning assets | $89,257,750 | 3,857 |
| Average equity | $9,030,000 | 3,821 |
| Average total loans | $50,913,000 | 3,843 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0647% | 1,430 |
| Cost of funding earning assets | 1.0044% | 2,594 |
| Net interest margin | 4.0603% | 1,143 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 3.0304% | 995 |
| Loan and lease loss provision to assets | 0.5200% | 138 |
| Net operating income to assets | 0.4596% | 3,892 |
| Return on assets (ROA) | 0.4530% | 3,915 |
| Pretax return on assets | 0.6375% | 3,728 |
| Return on Equity (ROE) | 4.7400% | 3,916 |
| Retained earnings to average equity (ytd only) | 4.7441% | 3,012 |
| Net charge-offs to loans | 0.0241% | 1,401 |
| Credit loss provision to net charge-offs | 4,166.6667% | 127 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 977 |
| Efficiency ratio | 72.1418% | 1,541 |
| Assets per employee ($millions) | 3.5951% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 1,457 |
| Loan loss allowance to noncurrent loans | 221.7262% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.4976% | 1,091 |
| Noncurrent loans to loans | 0.6404% | 1,163 |
| Net loans and leases to total assets | 53.2800% | 3,322 |
| Net loans and leases to deposits | 58.9937% | 3,482 |
| Net loans and leases to core deposits | 62.1923% | 3,533 |
| Total domestic deposits to total assets | 90.3200% | 834 |
| Equity capital to assets | 9.4131% | 2,227 |
| Core capital (leverage) ratio | 12.1808% | 1,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $95,366,667 | 3,890 |
| Average earning assets | $89,008,667 | 3,875 |
| Average equity | $9,106,000 | 3,837 |
| Average total loans | $49,760,333 | 3,866 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7786% | 1,672 |
| Cost of funding earning assets | 0.9113% | 2,338 |
| Net interest margin | 3.8673% | 1,544 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 3.1444% | 873 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7244% | 3,410 |
| Return on assets (ROA) | 0.7110% | 3,393 |
| Pretax return on assets | 0.8972% | 3,247 |
| Return on Equity (ROE) | 7.3900% | 3,437 |
| Retained earnings to average equity (ytd only) | 7.3923% | 2,394 |
| Net charge-offs to loans | -0.1239% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.4765% | 1,048 |
| Assets per employee ($millions) | 3.5732% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 3,342 |
| Loan loss allowance to noncurrent loans | 145.7627% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 798 |
| Noncurrent loans to loans | 0.7126% | 1,068 |
| Net loans and leases to total assets | 50.9600% | 3,421 |
| Net loans and leases to deposits | 56.4668% | 3,547 |
| Net loans and leases to core deposits | 59.5446% | 3,563 |
| Total domestic deposits to total assets | 90.2400% | 1,070 |
| Equity capital to assets | 9.5754% | 2,081 |
| Core capital (leverage) ratio | 12.5382% | 1,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $94,516,500 | 3,954 |
| Average earning assets | $88,227,500 | 3,938 |
| Average equity | $9,090,500 | 3,887 |
| Average total loans | $48,407,500 | 3,929 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1054% | 1,464 |
| Cost of funding earning assets | 0.5074% | 1,337 |
| Net interest margin | 3.5980% | 1,650 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 3.0793% | 863 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.4611% | 4,153 |
| Return on assets (ROA) | 0.5021% | 4,047 |
| Pretax return on assets | 0.6811% | 3,893 |
| Return on Equity (ROE) | 4.7700% | 4,052 |
| Retained earnings to average equity (ytd only) | 2.8660% | 3,758 |
| Net charge-offs to loans | 0.1787% | 466 |
| Credit loss provision to net charge-offs | 60.2410% | 1,776 |
| Earnings coverage of net charge-offs (x) | 7.7590% | 2,295 |
| Efficiency ratio | 81.8643% | 603 |
| Assets per employee ($millions) | 3.4280% | 4,459 |
| Cash dividends to net income (ytd only)* | 39.8734% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 3,068 |
| Loan loss allowance to noncurrent loans | 108.9130% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.7206% | 661 |
| Noncurrent loans to loans | 0.9758% | 751 |
| Net loans and leases to total assets | 50.3900% | 3,476 |
| Net loans and leases to deposits | 55.8572% | 3,586 |
| Net loans and leases to core deposits | 58.6737% | 3,576 |
| Total domestic deposits to total assets | 90.2100% | 1,270 |
| Equity capital to assets | 9.6622% | 1,911 |
| Core capital (leverage) ratio | 12.6827% | 1,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $94,405,800 | 3,973 |
| Average earning assets | $88,494,000 | 3,944 |
| Average equity | $9,944,200 | 3,877 |
| Average total loans | $46,445,800 | 3,954 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9460% | 1,368 |
| Cost of funding earning assets | 0.4193% | 1,161 |
| Net interest margin | 3.5267% | 1,587 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 3.0765% | 819 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5198% | 4,032 |
| Return on assets (ROA) | 0.5776% | 3,846 |
| Pretax return on assets | 0.6915% | 3,816 |
| Return on Equity (ROE) | 5.3800% | 3,906 |
| Retained earnings to average equity (ytd only) | 5.3753% | 2,964 |
| Net charge-offs to loans | 0.1066% | 582 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 11.9730% | 1,933 |
| Efficiency ratio | 83.1687% | 598 |
| Assets per employee ($millions) | 3.4684% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 3,135 |
| Loan loss allowance to noncurrent loans | 80.4878% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.8788% | 553 |
| Noncurrent loans to loans | 1.3325% | 550 |
| Net loans and leases to total assets | 48.7600% | 3,550 |
| Net loans and leases to deposits | 53.9456% | 3,606 |
| Net loans and leases to core deposits | 56.6257% | 3,588 |
| Total domestic deposits to total assets | 90.3800% | 1,487 |
| Equity capital to assets | 9.3585% | 1,977 |
| Core capital (leverage) ratio | 12.3375% | 1,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $94,868,000 | 3,998 |
| Average earning assets | $89,033,250 | 3,967 |
| Average equity | $10,194,500 | 3,892 |
| Average total loans | $46,272,500 | 3,980 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4683% | 2,230 |
| Cost of funding earning assets | 0.3214% | 1,513 |
| Net interest margin | 3.1469% | 2,380 |
| Noninterest income to average assets | 0.3842% | 2,847 |
| Noninterest expense to average assets | 3.0753% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.0246% | 4,581 |
| Return on assets (ROA) | 0.0567% | 4,517 |
| Pretax return on assets | 0.3716% | 4,203 |
| Return on Equity (ROE) | 0.5060% | 4,517 |
| Retained earnings to average equity (ytd only) | 0.5060% | 4,094 |
| Net charge-offs to loans | 0.2073% | 315 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 2,022 |
| Efficiency ratio | 91.9648% | 342 |
| Assets per employee ($millions) | 3.7368% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 3,375 |
| Loan loss allowance to noncurrent loans | 182.6415% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4961% | 1,151 |
| Noncurrent loans to loans | 0.5752% | 1,467 |
| Net loans and leases to total assets | 46.9236% | 3,634 |
| Net loans and leases to deposits | 52.1661% | 3,671 |
| Net loans and leases to core deposits | 54.6708% | 3,657 |
| Total domestic deposits to total assets | 89.9504% | 1,727 |
| Equity capital to assets | 9.8294% | 1,806 |
| Core capital (leverage) ratio | 12.0033% | 1,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,275,000 | 4,034 |
| Average earning assets | $89,612,333 | 4,012 |
| Average equity | $10,671,333 | 3,914 |
| Average total loans | $46,312,000 | 4,022 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4296% | 2,003 |
| Cost of funding earning assets | 0.2971% | 1,684 |
| Net interest margin | 3.1325% | 2,075 |
| Noninterest income to average assets | 0.3689% | 2,881 |
| Noninterest expense to average assets | 3.2777% | 553 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.2913% | 4,664 |
| Return on assets (ROA) | -0.1272% | 4,596 |
| Pretax return on assets | 0.2502% | 4,266 |
| Return on Equity (ROE) | -1.0684% | 4,592 |
| Retained earnings to average equity (ytd only) | -1.0684% | 4,150 |
| Net charge-offs to loans | 0.0086% | 1,430 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,470 |
| Efficiency ratio | 98.7229% | 266 |
| Assets per employee ($millions) | 3.6410% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 3,037 |
| Loan loss allowance to noncurrent loans | 47.5000% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.2993% | 315 |
| Noncurrent loans to loans | 2.4492% | 250 |
| Net loans and leases to total assets | 47.7436% | 3,410 |
| Net loans and leases to deposits | 54.0337% | 3,419 |
| Net loans and leases to core deposits | 56.7488% | 3,393 |
| Total domestic deposits to total assets | 88.3591% | 2,352 |
| Equity capital to assets | 11.4540% | 1,141 |
| Core capital (leverage) ratio | 11.9588% | 1,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0526% | 750 |
| Memoranda: | ||
| Average total assets | $94,333,500 | 4,056 |
| Average earning assets | $88,873,500 | 4,033 |
| Average equity | $11,232,000 | 3,934 |
| Average total loans | $46,431,000 | 4,029 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4234% | 689 |
| Cost of funding earning assets | 0.3217% | 2,179 |
| Net interest margin | 4.1017% | 594 |
| Noninterest income to average assets | 0.4128% | 2,985 |
| Noninterest expense to average assets | 3.0518% | 915 |
| Loan and lease loss provision to assets | 0.0552% | 1,946 |
| Net operating income to assets | 0.9702% | 2,796 |
| Return on assets (ROA) | 0.9702% | 2,855 |
| Pretax return on assets | 1.1611% | 2,786 |
| Return on Equity (ROE) | 7.6825% | 3,325 |
| Retained earnings to average equity (ytd only) | 6.5812% | 2,090 |
| Net charge-offs to loans | 0.1855% | 523 |
| Credit loss provision to net charge-offs | 54.9451% | 2,101 |
| Earnings coverage of net charge-offs (x) | 12.1099% | 2,127 |
| Efficiency ratio | 71.5025% | 1,564 |
| Assets per employee ($millions) | 3.6154% | 4,562 |
| Cash dividends to net income (ytd only)* | 14.3345% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 3,225 |
| Loan loss allowance to noncurrent loans | 108.1136% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.6404% | 1,018 |
| Noncurrent loans to loans | 1.0460% | 941 |
| Net loans and leases to total assets | 49.5739% | 3,339 |
| Net loans and leases to deposits | 56.6173% | 3,371 |
| Net loans and leases to core deposits | 59.5086% | 3,353 |
| Total domestic deposits to total assets | 87.5597% | 2,258 |
| Equity capital to assets | 12.3626% | 1,102 |
| Core capital (leverage) ratio | 12.0506% | 1,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,602,600 | 4,093 |
| Average earning assets | $85,160,000 | 4,070 |
| Average equity | $11,441,600 | 3,985 |
| Average total loans | $49,065,400 | 4,019 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6230% | 545 |
| Cost of funding earning assets | 0.3277% | 2,325 |
| Net interest margin | 4.2952% | 459 |
| Noninterest income to average assets | 0.4263% | 2,950 |
| Noninterest expense to average assets | 3.0587% | 880 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9285% | 3,155 |
| Return on assets (ROA) | 0.9285% | 3,232 |
| Pretax return on assets | 1.3979% | 2,342 |
| Return on Equity (ROE) | 7.3118% | 3,584 |
| Retained earnings to average equity (ytd only) | 7.3118% | 2,304 |
| Net charge-offs to loans | 0.2449% | 336 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 10.3407% | 2,038 |
| Efficiency ratio | 68.6333% | 1,743 |
| Assets per employee ($millions) | 3.6277% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9624% | 3,971 |
| Loan loss allowance to noncurrent loans | 35.8631% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.7133% | 256 |
| Noncurrent loans to loans | 2.6835% | 268 |
| Net loans and leases to total assets | 52.5874% | 3,134 |
| Net loans and leases to deposits | 60.3323% | 3,200 |
| Net loans and leases to core deposits | 65.0368% | 3,041 |
| Total domestic deposits to total assets | 87.1630% | 2,282 |
| Equity capital to assets | 12.4087% | 1,219 |
| Core capital (leverage) ratio | 12.0011% | 1,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,753,000 | 4,153 |
| Average earning assets | $84,215,000 | 4,132 |
| Average equity | $11,396,750 | 4,045 |
| Average total loans | $49,548,500 | 4,065 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0004% | 343 |
| Cost of funding earning assets | 0.3288% | 2,502 |
| Net interest margin | 4.6716% | 279 |
| Noninterest income to average assets | 0.3446% | 3,384 |
| Noninterest expense to average assets | 3.1486% | 783 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0586% | 2,683 |
| Return on assets (ROA) | 1.0586% | 2,760 |
| Pretax return on assets | 1.5754% | 1,809 |
| Return on Equity (ROE) | 8.2696% | 3,327 |
| Retained earnings to average equity (ytd only) | 8.2696% | 1,989 |
| Net charge-offs to loans | 0.1620% | 517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 17.3750% | 1,579 |
| Efficiency ratio | 66.6507% | 2,058 |
| Assets per employee ($millions) | 3.5489% | 4,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 3,640 |
| Loan loss allowance to noncurrent loans | 62.1212% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.2246% | 546 |
| Noncurrent loans to loans | 1.6860% | 628 |
| Net loans and leases to total assets | 54.5734% | 3,067 |
| Net loans and leases to deposits | 62.4912% | 3,151 |
| Net loans and leases to core deposits | 67.4679% | 3,002 |
| Total domestic deposits to total assets | 87.3299% | 2,154 |
| Equity capital to assets | 12.4079% | 1,179 |
| Core capital (leverage) ratio | 12.0809% | 1,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,230,333 | 4,194 |
| Average earning assets | $82,713,000 | 4,174 |
| Average equity | $11,294,333 | 4,064 |
| Average total loans | $49,370,333 | 4,096 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4857% | 195 |
| Cost of funding earning assets | 0.3323% | 2,687 |
| Net interest margin | 5.1534% | 157 |
| Noninterest income to average assets | 0.4825% | 2,695 |
| Noninterest expense to average assets | 3.3314% | 577 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7539% | 853 |
| Return on assets (ROA) | 1.7539% | 908 |
| Pretax return on assets | 1.9719% | 992 |
| Return on Equity (ROE) | 13.4795% | 1,544 |
| Retained earnings to average equity (ytd only) | 13.4795% | 819 |
| Net charge-offs to loans | 0.3621% | 233 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 9.6591% | 1,531 |
| Efficiency ratio | 62.8171% | 2,633 |
| Assets per employee ($millions) | 3.2979% | 4,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 3,525 |
| Loan loss allowance to noncurrent loans | 116.4835% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.7861% | 1,142 |
| Noncurrent loans to loans | 0.9264% | 1,460 |
| Net loans and leases to total assets | 54.5664% | 3,181 |
| Net loans and leases to deposits | 62.5936% | 3,263 |
| Net loans and leases to core deposits | 67.7804% | 3,081 |
| Total domestic deposits to total assets | 87.1757% | 2,241 |
| Equity capital to assets | 12.6412% | 1,017 |
| Core capital (leverage) ratio | 12.6594% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,209,500 | 4,230 |
| Average earning assets | $80,646,500 | 4,207 |
| Average equity | $11,217,000 | 4,086 |
| Average total loans | $48,611,000 | 4,133 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0012% | 486 |
| Cost of funding earning assets | 0.5854% | 2,410 |
| Net interest margin | 4.4158% | 389 |
| Noninterest income to average assets | 0.4067% | 3,059 |
| Noninterest expense to average assets | 3.5260% | 670 |
| Loan and lease loss provision to assets | 0.0968% | 3,134 |
| Net operating income to assets | 0.6311% | 3,647 |
| Return on assets (ROA) | 0.6352% | 3,759 |
| Pretax return on assets | 0.8986% | 3,367 |
| Return on Equity (ROE) | 4.5607% | 4,009 |
| Retained earnings to average equity (ytd only) | 3.4020% | 3,121 |
| Net charge-offs to loans | -0.0041% | 4,085 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0732% | 1,025 |
| Assets per employee ($millions) | 3.0880% | 4,796 |
| Cash dividends to net income (ytd only)* | 25.4065% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 2,985 |
| Loan loss allowance to noncurrent loans | 75.8256% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.2653% | 647 |
| Noncurrent loans to loans | 1.5736% | 841 |
| Net loans and leases to total assets | 57.0073% | 3,202 |
| Net loans and leases to deposits | 65.9603% | 3,275 |
| Net loans and leases to core deposits | 71.8805% | 3,087 |
| Total domestic deposits to total assets | 86.4267% | 2,179 |
| Equity capital to assets | 13.4066% | 964 |
| Core capital (leverage) ratio | 12.7244% | 969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,453,600 | 4,277 |
| Average earning assets | $72,082,200 | 4,267 |
| Average equity | $10,787,800 | 4,108 |
| Average total loans | $49,126,400 | 4,124 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1599% | 448 |
| Cost of funding earning assets | 0.6138% | 2,523 |
| Net interest margin | 4.5461% | 342 |
| Noninterest income to average assets | 0.3843% | 3,162 |
| Noninterest expense to average assets | 3.6539% | 579 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6701% | 3,565 |
| Return on assets (ROA) | 0.6757% | 3,650 |
| Pretax return on assets | 0.9617% | 3,193 |
| Return on Equity (ROE) | 4.8018% | 3,943 |
| Retained earnings to average equity (ytd only) | 4.8018% | 2,651 |
| Net charge-offs to loans | -0.0054% | 4,070 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2841% | 918 |
| Assets per employee ($millions) | 3.0374% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 3,524 |
| Loan loss allowance to noncurrent loans | 67.7069% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.2620% | 764 |
| Noncurrent loans to loans | 1.5336% | 922 |
| Net loans and leases to total assets | 57.9893% | 3,415 |
| Net loans and leases to deposits | 67.3860% | 3,521 |
| Net loans and leases to core deposits | 73.5357% | 3,356 |
| Total domestic deposits to total assets | 86.0554% | 2,041 |
| Equity capital to assets | 13.5569% | 984 |
| Core capital (leverage) ratio | 12.8029% | 1,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,972,750 | 4,302 |
| Average earning assets | $70,593,500 | 4,300 |
| Average equity | $10,690,250 | 4,130 |
| Average total loans | $49,381,750 | 4,147 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4334% | 379 |
| Cost of funding earning assets | 0.6435% | 2,736 |
| Net interest margin | 4.7899% | 289 |
| Noninterest income to average assets | 0.3840% | 3,179 |
| Noninterest expense to average assets | 3.7615% | 529 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8135% | 2,996 |
| Return on assets (ROA) | 0.8221% | 3,084 |
| Pretax return on assets | 1.0817% | 2,772 |
| Return on Equity (ROE) | 5.7643% | 3,590 |
| Retained earnings to average equity (ytd only) | 5.7643% | 2,170 |
| Net charge-offs to loans | -0.0040% | 3,949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8400% | 1,071 |
| Assets per employee ($millions) | 3.0380% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 3,578 |
| Loan loss allowance to noncurrent loans | 51.4995% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.3861% | 711 |
| Noncurrent loans to loans | 1.9413% | 708 |
| Net loans and leases to total assets | 60.1187% | 3,310 |
| Net loans and leases to deposits | 69.6826% | 3,441 |
| Net loans and leases to core deposits | 76.0053% | 3,283 |
| Total domestic deposits to total assets | 86.2751% | 1,899 |
| Equity capital to assets | 13.4372% | 999 |
| Core capital (leverage) ratio | 13.8790% | 779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,960,333 | 4,334 |
| Average earning assets | $68,686,667 | 4,335 |
| Average equity | $10,547,667 | 4,160 |
| Average total loans | $49,823,667 | 4,149 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5993% | 300 |
| Cost of funding earning assets | 0.7363% | 2,749 |
| Net interest margin | 4.8630% | 246 |
| Noninterest income to average assets | 0.4233% | 2,945 |
| Noninterest expense to average assets | 3.8211% | 604 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8342% | 2,776 |
| Return on assets (ROA) | 0.8523% | 2,801 |
| Pretax return on assets | 1.1212% | 2,452 |
| Return on Equity (ROE) | 5.7805% | 3,398 |
| Retained earnings to average equity (ytd only) | 5.7805% | 1,963 |
| Net charge-offs to loans | -0.0401% | 4,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6744% | 1,377 |
| Assets per employee ($millions) | 2.5910% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 3,643 |
| Loan loss allowance to noncurrent loans | 72.4387% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.1049% | 1,179 |
| Noncurrent loans to loans | 1.3958% | 1,145 |
| Net loans and leases to total assets | 70.2522% | 2,210 |
| Net loans and leases to deposits | 82.3868% | 2,405 |
| Net loans and leases to core deposits | 85.8328% | 2,696 |
| Total domestic deposits to total assets | 85.2712% | 2,302 |
| Equity capital to assets | 14.4501% | 913 |
| Core capital (leverage) ratio | 14.5845% | 771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,927,500 | 4,419 |
| Average earning assets | $64,651,000 | 4,408 |
| Average equity | $10,310,500 | 4,206 |
| Average total loans | $49,830,000 | 4,153 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7586% | 357 |
| Cost of funding earning assets | 0.6826% | 3,247 |
| Net interest margin | 5.0760% | 226 |
| Noninterest income to average assets | 0.5729% | 2,353 |
| Noninterest expense to average assets | 3.9632% | 552 |
| Loan and lease loss provision to assets | 0.1252% | 1,696 |
| Net operating income to assets | 1.0276% | 2,742 |
| Return on assets (ROA) | 0.9956% | 2,947 |
| Pretax return on assets | 1.1458% | 3,025 |
| Return on Equity (ROE) | 6.6801% | 3,669 |
| Retained earnings to average equity (ytd only) | 5.4449% | 2,196 |
| Net charge-offs to loans | 0.0565% | 2,295 |
| Credit loss provision to net charge-offs | 314.8148% | 885 |
| Earnings coverage of net charge-offs (x) | 32.8889% | 1,487 |
| Efficiency ratio | 75.1886% | 1,462 |
| Assets per employee ($millions) | 2.5888% | 4,974 |
| Cash dividends to net income (ytd only)* | 18.4911% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 3,558 |
| Loan loss allowance to noncurrent loans | 100.8114% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.8198% | 1,575 |
| Noncurrent loans to loans | 0.9858% | 1,546 |
| Net loans and leases to total assets | 70.8385% | 2,273 |
| Net loans and leases to deposits | 83.5750% | 2,371 |
| Net loans and leases to core deposits | 89.5824% | 2,460 |
| Total domestic deposits to total assets | 84.7604% | 2,589 |
| Equity capital to assets | 15.0393% | 781 |
| Core capital (leverage) ratio | 14.6480% | 764 |
| Tier 1 risk-based capital ratio | 19.3828% | 1,439 |
| Total risk-based capital ratio | 20.3078% | 1,476 |
| Memoranda: | ||
| Average total assets | $67,899,400 | 4,467 |
| Average earning assets | $62,845,200 | 4,463 |
| Average equity | $10,119,600 | 4,224 |
| Average total loans | $47,765,600 | 4,225 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7416% | 393 |
| Cost of funding earning assets | 0.6693% | 3,357 |
| Net interest margin | 5.0723% | 249 |
| Noninterest income to average assets | 0.5737% | 2,340 |
| Noninterest expense to average assets | 4.0217% | 516 |
| Loan and lease loss provision to assets | 0.0099% | 3,694 |
| Net operating income to assets | 1.0549% | 2,767 |
| Return on assets (ROA) | 1.0128% | 3,016 |
| Pretax return on assets | 1.1849% | 3,029 |
| Return on Equity (ROE) | 6.8119% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.8119% | 1,945 |
| Net charge-offs to loans | 0.0057% | 3,190 |
| Credit loss provision to net charge-offs | 250.0000% | 1,092 |
| Earnings coverage of net charge-offs (x) | 314.1011% | 305 |
| Efficiency ratio | 76.3711% | 1,287 |
| Assets per employee ($millions) | 2.5701% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 4,072 |
| Loan loss allowance to noncurrent loans | 75.8562% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 0.9569% | 1,409 |
| Noncurrent loans to loans | 1.1772% | 1,341 |
| Net loans and leases to total assets | 70.8501% | 2,348 |
| Net loans and leases to deposits | 83.8650% | 2,474 |
| Net loans and leases to core deposits | 86.5749% | 2,861 |
| Total domestic deposits to total assets | 84.4811% | 2,637 |
| Equity capital to assets | 15.1024% | 824 |
| Core capital (leverage) ratio | 14.7589% | 799 |
| Tier 1 risk-based capital ratio | 19.5163% | 1,458 |
| Total risk-based capital ratio | 20.3494% | 1,517 |
| Memoranda: | ||
| Average total assets | $67,400,000 | 4,530 |
| Average earning assets | $62,350,000 | 4,525 |
| Average equity | $10,021,500 | 4,285 |
| Average total loans | $47,204,250 | 4,287 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7026% | 408 |
| Cost of funding earning assets | 0.6581% | 3,365 |
| Net interest margin | 5.0445% | 263 |
| Noninterest income to average assets | 0.5334% | 2,479 |
| Noninterest expense to average assets | 4.1567% | 439 |
| Loan and lease loss provision to assets | 0.0150% | 3,475 |
| Net operating income to assets | 0.8771% | 3,375 |
| Return on assets (ROA) | 0.7972% | 3,722 |
| Pretax return on assets | 0.9320% | 3,761 |
| Return on Equity (ROE) | 5.3908% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.3908% | 2,580 |
| Net charge-offs to loans | 0.0043% | 3,011 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 347.0000% | 225 |
| Efficiency ratio | 79.9885% | 964 |
| Assets per employee ($millions) | 2.5825% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9135% | 4,037 |
| Loan loss allowance to noncurrent loans | 81.0219% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7859% | 1,777 |
| Noncurrent loans to loans | 1.1275% | 1,447 |
| Net loans and leases to total assets | 69.0708% | 2,666 |
| Net loans and leases to deposits | 81.1310% | 2,829 |
| Net loans and leases to core deposits | 83.7000% | 3,132 |
| Total domestic deposits to total assets | 85.1349% | 2,417 |
| Equity capital to assets | 14.6027% | 920 |
| Core capital (leverage) ratio | 14.6041% | 799 |
| Tier 1 risk-based capital ratio | 17.2203% | 2,022 |
| Total risk-based capital ratio | 17.9752% | 2,115 |
| Memoranda: | ||
| Average total assets | $66,735,670 | 4,573 |
| Average earning assets | $61,691,000 | 4,575 |
| Average equity | $9,868,670 | 4,318 |
| Average total loans | $46,403,000 | 4,329 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6881% | 369 |
| Cost of funding earning assets | 0.6254% | 3,433 |
| Net interest margin | 5.0627% | 260 |
| Noninterest income to average assets | 0.5579% | 2,237 |
| Noninterest expense to average assets | 4.4942% | 289 |
| Loan and lease loss provision to assets | 0.0307% | 3,008 |
| Net operating income to assets | 0.3964% | 4,740 |
| Return on assets (ROA) | 0.2269% | 4,996 |
| Pretax return on assets | 0.4844% | 4,720 |
| Return on Equity (ROE) | 1.5239% | 5,024 |
| Retained earnings to average equity (ytd only) | 1.5239% | 4,194 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0329% | 578 |
| Assets per employee ($millions) | 2.5019% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9639% | 3,908 |
| Loan loss allowance to noncurrent loans | 106.7308% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.6158% | 2,227 |
| Noncurrent loans to loans | 0.9031% | 1,854 |
| Net loans and leases to total assets | 67.5337% | 2,824 |
| Net loans and leases to deposits | 79.1997% | 2,931 |
| Net loans and leases to core deposits | 81.7677% | 3,200 |
| Total domestic deposits to total assets | 85.2702% | 2,569 |
| Equity capital to assets | 14.5344% | 872 |
| Core capital (leverage) ratio | 14.9796% | 696 |
| Tier 1 risk-based capital ratio | 17.4143% | 1,966 |
| Total risk-based capital ratio | 18.1956% | 2,071 |
| Memoranda: | ||
| Average total assets | $65,240,000 | 4,651 |
| Average earning assets | $60,126,000 | 4,646 |
| Average equity | $9,712,000 | 4,369 |
| Average total loans | $45,302,000 | 4,405 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2960% | 585 |
| Cost of funding earning assets | 0.4674% | 3,567 |
| Net interest margin | 4.8286% | 373 |
| Noninterest income to average assets | 0.5154% | 2,747 |
| Noninterest expense to average assets | 3.7840% | 701 |
| Loan and lease loss provision to assets | 0.0062% | 3,994 |
| Net operating income to assets | 0.7461% | 3,981 |
| Return on assets (ROA) | 0.7412% | 4,002 |
| Pretax return on assets | 1.1586% | 3,069 |
| Return on Equity (ROE) | 5.0444% | 4,445 |
| Retained earnings to average equity (ytd only) | 3.7197% | 3,529 |
| Net charge-offs to loans | 0.0116% | 3,289 |
| Credit loss provision to net charge-offs | 80.0000% | 2,864 |
| Earnings coverage of net charge-offs (x) | 150.4000% | 561 |
| Efficiency ratio | 76.3671% | 1,307 |
| Assets per employee ($millions) | 2.4204% | 5,234 |
| Cash dividends to net income (ytd only)* | 26.2605% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 3,781 |
| Loan loss allowance to noncurrent loans | 68.8088% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.0138% | 1,352 |
| Noncurrent loans to loans | 1.4324% | 1,086 |
| Net loans and leases to total assets | 70.0810% | 2,551 |
| Net loans and leases to deposits | 82.8129% | 2,639 |
| Net loans and leases to core deposits | 85.7048% | 2,938 |
| Total domestic deposits to total assets | 84.6258% | 2,785 |
| Equity capital to assets | 15.2646% | 654 |
| Core capital (leverage) ratio | 14.8956% | 716 |
| Tier 1 risk-based capital ratio | 18.0275% | 1,749 |
| Total risk-based capital ratio | 18.8296% | 1,836 |
| Memoranda: | ||
| Average total assets | $64,217,800 | 4,688 |
| Average earning assets | $59,044,200 | 4,688 |
| Average equity | $9,436,200 | 4,390 |
| Average total loans | $43,263,400 | 4,469 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1763% | 659 |
| Cost of funding earning assets | 0.4291% | 3,667 |
| Net interest margin | 4.7472% | 424 |
| Noninterest income to average assets | 0.5867% | 2,380 |
| Noninterest expense to average assets | 3.7847% | 681 |
| Loan and lease loss provision to assets | 0.0083% | 3,813 |
| Net operating income to assets | 0.7234% | 4,155 |
| Return on assets (ROA) | 0.7169% | 4,183 |
| Pretax return on assets | 1.1507% | 3,192 |
| Return on Equity (ROE) | 4.9252% | 4,589 |
| Retained earnings to average equity (ytd only) | 4.9252% | 3,280 |
| Net charge-offs to loans | 0.0155% | 2,871 |
| Credit loss provision to net charge-offs | 80.0000% | 2,526 |
| Earnings coverage of net charge-offs (x) | 112.9400% | 684 |
| Efficiency ratio | 76.4289% | 1,297 |
| Assets per employee ($millions) | 2.5052% | 5,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 3,895 |
| Loan loss allowance to noncurrent loans | 74.5331% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 0.9610% | 1,516 |
| Noncurrent loans to loans | 1.3143% | 1,268 |
| Net loans and leases to total assets | 65.6047% | 3,227 |
| Net loans and leases to deposits | 76.5839% | 3,365 |
| Net loans and leases to core deposits | 78.6428% | 3,609 |
| Total domestic deposits to total assets | 85.6638% | 2,341 |
| Equity capital to assets | 14.0257% | 951 |
| Core capital (leverage) ratio | 14.7417% | 771 |
| Tier 1 risk-based capital ratio | 17.5147% | 1,924 |
| Total risk-based capital ratio | 18.2942% | 2,034 |
| Memoranda: | ||
| Average total assets | $64,539,750 | 4,731 |
| Average earning assets | $59,345,750 | 4,729 |
| Average equity | $9,393,750 | 4,437 |
| Average total loans | $42,944,000 | 4,526 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1060% | 653 |
| Cost of funding earning assets | 0.3772% | 3,894 |
| Net interest margin | 4.7288% | 409 |
| Noninterest income to average assets | 0.5574% | 2,538 |
| Noninterest expense to average assets | 3.9524% | 571 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4855% | 4,777 |
| Return on assets (ROA) | 0.4755% | 4,812 |
| Pretax return on assets | 0.9353% | 3,860 |
| Return on Equity (ROE) | 3.2256% | 4,979 |
| Retained earnings to average equity (ytd only) | 3.2256% | 3,958 |
| Net charge-offs to loans | 0.0236% | 2,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 60.2000% | 998 |
| Efficiency ratio | 80.6555% | 943 |
| Assets per employee ($millions) | 2.4102% | 5,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 3,919 |
| Loan loss allowance to noncurrent loans | 110.9694% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 2,146 |
| Noncurrent loans to loans | 0.8907% | 1,940 |
| Net loans and leases to total assets | 66.9571% | 3,017 |
| Net loans and leases to deposits | 78.3927% | 3,117 |
| Net loans and leases to core deposits | 80.5744% | 3,367 |
| Total domestic deposits to total assets | 85.4124% | 2,524 |
| Equity capital to assets | 14.3893% | 838 |
| Core capital (leverage) ratio | 14.9248% | 688 |
| Tier 1 risk-based capital ratio | 17.5884% | 1,919 |
| Total risk-based capital ratio | 18.3798% | 2,003 |
| Memoranda: | ||
| Average total assets | $63,506,330 | 4,795 |
| Average earning assets | $58,323,670 | 4,810 |
| Average equity | $9,362,670 | 4,484 |
| Average total loans | $42,320,670 | 4,577 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9788% | 732 |
| Cost of funding earning assets | 0.2994% | 4,357 |
| Net interest margin | 4.6794% | 416 |
| Noninterest income to average assets | 0.5931% | 2,299 |
| Noninterest expense to average assets | 4.2537% | 376 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4857% | 4,729 |
| Return on assets (ROA) | 0.4656% | 4,780 |
| Pretax return on assets | 0.5995% | 4,683 |
| Return on Equity (ROE) | 3.1190% | 4,994 |
| Retained earnings to average equity (ytd only) | 3.1190% | 3,956 |
| Net charge-offs to loans | 0.0482% | 1,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 19.6000% | 1,496 |
| Efficiency ratio | 87.1895% | 575 |
| Assets per employee ($millions) | 2.2791% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 3,680 |
| Loan loss allowance to noncurrent loans | 107.9404% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.7271% | 2,136 |
| Noncurrent loans to loans | 0.9701% | 1,878 |
| Net loans and leases to total assets | 64.4169% | 3,255 |
| Net loans and leases to deposits | 75.6297% | 3,253 |
| Net loans and leases to core deposits | 77.7673% | 3,513 |
| Total domestic deposits to total assets | 85.1741% | 2,870 |
| Equity capital to assets | 14.6426% | 743 |
| Core capital (leverage) ratio | 15.2732% | 598 |
| Tier 1 risk-based capital ratio | 18.1297% | 1,799 |
| Total risk-based capital ratio | 18.9522% | 1,867 |
| Memoranda: | ||
| Average total assets | $62,721,500 | 4,877 |
| Average earning assets | $57,443,500 | 4,888 |
| Average equity | $9,362,000 | 4,525 |
| Average total loans | $41,477,000 | 4,646 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7240% | 1,143 |
| Cost of funding earning assets | 0.3460% | 3,749 |
| Net interest margin | 4.3780% | 815 |
| Noninterest income to average assets | 0.6958% | 1,983 |
| Noninterest expense to average assets | 4.0311% | 513 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4867% | 4,409 |
| Return on assets (ROA) | 0.4867% | 4,439 |
| Pretax return on assets | 0.6830% | 4,550 |
| Return on Equity (ROE) | 3.2696% | 4,756 |
| Retained earnings to average equity (ytd only) | 1.8331% | 4,218 |
| Net charge-offs to loans | -0.1875% | 5,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5112% | 673 |
| Assets per employee ($millions) | 2.2010% | 5,541 |
| Cash dividends to net income (ytd only)* | 43.9344% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 3,530 |
| Loan loss allowance to noncurrent loans | 170.5426% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 2,831 |
| Noncurrent loans to loans | 0.6230% | 2,667 |
| Net loans and leases to total assets | 66.4817% | 3,035 |
| Net loans and leases to deposits | 78.5025% | 3,064 |
| Net loans and leases to core deposits | 80.7983% | 3,355 |
| Total domestic deposits to total assets | 84.6874% | 2,952 |
| Equity capital to assets | 15.2380% | 636 |
| Core capital (leverage) ratio | 14.9906% | 621 |
| Tier 1 risk-based capital ratio | 18.6389% | 1,606 |
| Total risk-based capital ratio | 19.4994% | 1,676 |
| Memoranda: | ||
| Average total assets | $62,662,600 | 4,912 |
| Average earning assets | $57,514,400 | 4,920 |
| Average equity | $9,328,400 | 4,553 |
| Average total loans | $38,927,000 | 4,761 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5634% | 1,466 |
| Cost of funding earning assets | 0.3413% | 3,757 |
| Net interest margin | 4.2221% | 1,100 |
| Noninterest income to average assets | 0.7141% | 1,938 |
| Noninterest expense to average assets | 4.0939% | 465 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3475% | 5,119 |
| Return on assets (ROA) | 0.3475% | 5,137 |
| Pretax return on assets | 0.5001% | 5,028 |
| Return on Equity (ROE) | 2.3480% | 5,253 |
| Retained earnings to average equity (ytd only) | 2.2048% | 4,536 |
| Net charge-offs to loans | -0.0104% | 4,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1144% | 446 |
| Assets per employee ($millions) | 2.3341% | 5,564 |
| Cash dividends to net income (ytd only)* | 6.0962% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 4,513 |
| Loan loss allowance to noncurrent loans | 228.3951% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 3,619 |
| Noncurrent loans to loans | 0.3993% | 3,520 |
| Net loans and leases to total assets | 63.7988% | 3,439 |
| Net loans and leases to deposits | 75.3246% | 3,438 |
| Net loans and leases to core deposits | 77.4622% | 3,685 |
| Total domestic deposits to total assets | 84.6985% | 2,837 |
| Equity capital to assets | 15.0159% | 725 |
| Core capital (leverage) ratio | 14.9571% | 675 |
| Tier 1 risk-based capital ratio | 18.1376% | 1,821 |
| Total risk-based capital ratio | 18.8431% | 1,920 |
| Memoranda: | ||
| Average total assets | $62,921,000 | 4,957 |
| Average earning assets | $57,821,500 | 4,969 |
| Average equity | $9,312,750 | 4,606 |
| Average total loans | $38,305,750 | 4,832 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4576% | 1,634 |
| Cost of funding earning assets | 0.3322% | 3,767 |
| Net interest margin | 4.1254% | 1,259 |
| Noninterest income to average assets | 0.7219% | 1,899 |
| Noninterest expense to average assets | 4.2329% | 402 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1145% | 5,481 |
| Return on assets (ROA) | 0.1145% | 5,484 |
| Pretax return on assets | 0.2799% | 5,360 |
| Return on Equity (ROE) | 0.7773% | 5,500 |
| Retained earnings to average equity (ytd only) | 0.5614% | 4,961 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7984% | 316 |
| Assets per employee ($millions) | 2.3468% | 5,610 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 4,481 |
| Loan loss allowance to noncurrent loans | 258.4507% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.3204% | 3,842 |
| Noncurrent loans to loans | 0.3628% | 3,728 |
| Net loans and leases to total assets | 61.1877% | 3,724 |
| Net loans and leases to deposits | 71.9527% | 3,746 |
| Net loans and leases to core deposits | 73.9594% | 3,941 |
| Total domestic deposits to total assets | 85.0388% | 2,787 |
| Equity capital to assets | 14.7655% | 752 |
| Core capital (leverage) ratio | 14.5897% | 722 |
| Tier 1 risk-based capital ratio | 18.4459% | 1,731 |
| Total risk-based capital ratio | 19.1671% | 1,832 |
| Memoranda: | ||
| Average total assets | $62,888,000 | 4,996 |
| Average earning assets | $57,788,330 | 5,007 |
| Average equity | $9,262,670 | 4,633 |
| Average total loans | $37,549,000 | 4,886 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 2,177 |
| Cost of funding earning assets | 0.3268% | 3,785 |
| Net interest margin | 3.9007% | 1,776 |
| Noninterest income to average assets | 0.7151% | 1,896 |
| Noninterest expense to average assets | 4.5331% | 323 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2235% | 5,360 |
| Return on assets (ROA) | 0.2235% | 5,371 |
| Pretax return on assets | -0.2362% | 5,673 |
| Return on Equity (ROE) | 1.5191% | 5,418 |
| Retained earnings to average equity (ytd only) | 1.0851% | 4,621 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4978% | 167 |
| Assets per employee ($millions) | 2.3952% | 5,658 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 4,201 |
| Loan loss allowance to noncurrent loans | 324.7788% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 4,135 |
| Noncurrent loans to loans | 0.3119% | 4,006 |
| Net loans and leases to total assets | 55.4492% | 4,209 |
| Net loans and leases to deposits | 64.7988% | 4,265 |
| Net loans and leases to core deposits | 66.5436% | 4,397 |
| Total domestic deposits to total assets | 85.5714% | 2,850 |
| Equity capital to assets | 14.3034% | 815 |
| Core capital (leverage) ratio | 14.8670% | 631 |
| Tier 1 risk-based capital ratio | 14.6107% | 3,152 |
| Total risk-based capital ratio | 15.1817% | 3,433 |
| Memoranda: | ||
| Average total assets | $62,650,000 | 5,058 |
| Average earning assets | $57,528,000 | 5,060 |
| Average equity | $9,216,000 | 4,678 |
| Average total loans | $36,754,500 | 4,949 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4878% | 1,571 |
| Cost of funding earning assets | 0.3468% | 3,549 |
| Net interest margin | 4.1410% | 1,271 |
| Noninterest income to average assets | 0.7308% | 2,033 |
| Noninterest expense to average assets | 4.0144% | 586 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5756% | 4,320 |
| Return on assets (ROA) | 0.5756% | 4,424 |
| Pretax return on assets | 0.5190% | 4,988 |
| Return on Equity (ROE) | 3.8690% | 4,880 |
| Retained earnings to average equity (ytd only) | 2.5214% | 4,081 |
| Net charge-offs to loans | 0.0430% | 3,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 20.0625% | 1,876 |
| Efficiency ratio | 88.5521% | 635 |
| Assets per employee ($millions) | 2.2456% | 5,750 |
| Cash dividends to net income (ytd only)* | 34.8315% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 4,417 |
| Loan loss allowance to noncurrent loans | 212.1387% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 3,467 |
| Noncurrent loans to loans | 0.4640% | 3,494 |
| Net loans and leases to total assets | 60.8873% | 3,751 |
| Net loans and leases to deposits | 71.7721% | 3,733 |
| Net loans and leases to core deposits | 74.3270% | 3,895 |
| Total domestic deposits to total assets | 84.8342% | 3,119 |
| Equity capital to assets | 15.1443% | 620 |
| Core capital (leverage) ratio | 14.8987% | 617 |
| Tier 1 risk-based capital ratio | 20.8444% | 1,240 |
| Total risk-based capital ratio | 21.6647% | 1,276 |
| Memoranda: | ||
| Average total assets | $61,852,600 | 5,095 |
| Average earning assets | $56,798,400 | 5,110 |
| Average equity | $9,201,400 | 4,712 |
| Average total loans | $37,202,400 | 4,974 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4236% | 1,783 |
| Cost of funding earning assets | 0.3432% | 3,622 |
| Net interest margin | 4.0804% | 1,440 |
| Noninterest income to average assets | 0.7122% | 2,119 |
| Noninterest expense to average assets | 4.0348% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4419% | 4,897 |
| Return on assets (ROA) | 0.4419% | 4,982 |
| Pretax return on assets | 0.4269% | 5,262 |
| Return on Equity (ROE) | 2.9834% | 5,221 |
| Retained earnings to average equity (ytd only) | 2.9834% | 4,126 |
| Net charge-offs to loans | 0.0215% | 3,258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 33.1663% | 1,400 |
| Efficiency ratio | 90.4327% | 541 |
| Assets per employee ($millions) | 2.4032% | 5,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 4,504 |
| Loan loss allowance to noncurrent loans | 157.7406% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 3,651 |
| Noncurrent loans to loans | 0.6224% | 3,149 |
| Net loans and leases to total assets | 60.8534% | 3,764 |
| Net loans and leases to deposits | 71.8337% | 3,826 |
| Net loans and leases to core deposits | 74.3014% | 3,973 |
| Total domestic deposits to total assets | 84.7142% | 2,934 |
| Equity capital to assets | 15.0025% | 741 |
| Core capital (leverage) ratio | 14.9093% | 653 |
| Tier 1 risk-based capital ratio | 20.1956% | 1,410 |
| Total risk-based capital ratio | 21.0115% | 1,457 |
| Memoranda: | ||
| Average total assets | $62,158,250 | 5,136 |
| Average earning assets | $57,116,500 | 5,145 |
| Average equity | $9,206,250 | 4,764 |
| Average total loans | $37,182,250 | 5,021 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3776% | 1,889 |
| Cost of funding earning assets | 0.3405% | 3,676 |
| Net interest margin | 4.0371% | 1,531 |
| Noninterest income to average assets | 0.7188% | 2,058 |
| Noninterest expense to average assets | 4.1386% | 519 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4480% | 4,875 |
| Return on assets (ROA) | 0.4480% | 4,965 |
| Pretax return on assets | 0.2869% | 5,519 |
| Return on Equity (ROE) | 3.0381% | 5,241 |
| Retained earnings to average equity (ytd only) | 3.0381% | 3,980 |
| Net charge-offs to loans | 0.0326% | 2,801 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 14.8333% | 2,036 |
| Efficiency ratio | 93.5178% | 431 |
| Assets per employee ($millions) | 2.3261% | 5,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 4,413 |
| Loan loss allowance to noncurrent loans | 229.8780% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 4,210 |
| Noncurrent loans to loans | 0.4431% | 3,782 |
| Net loans and leases to total assets | 58.3250% | 4,086 |
| Net loans and leases to deposits | 68.6308% | 4,121 |
| Net loans and leases to core deposits | 70.9518% | 4,252 |
| Total domestic deposits to total assets | 84.9837% | 2,887 |
| Equity capital to assets | 14.8268% | 779 |
| Core capital (leverage) ratio | 14.4836% | 715 |
| Tier 1 risk-based capital ratio | 19.8956% | 1,483 |
| Total risk-based capital ratio | 20.7052% | 1,542 |
| Memoranda: | ||
| Average total assets | $62,050,000 | 5,202 |
| Average earning assets | $56,971,670 | 5,202 |
| Average equity | $9,150,330 | 4,810 |
| Average total loans | $36,776,330 | 5,081 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4404% | 1,682 |
| Cost of funding earning assets | 0.3389% | 3,731 |
| Net interest margin | 4.1015% | 1,342 |
| Noninterest income to average assets | 0.7913% | 1,655 |
| Noninterest expense to average assets | 4.6633% | 344 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.2789% | 5,906 |
| Return on assets (ROA) | -0.2789% | 5,913 |
| Pretax return on assets | -0.1038% | 5,865 |
| Return on Equity (ROE) | -1.8965% | 5,905 |
| Retained earnings to average equity (ytd only) | -1.8965% | 5,380 |
| Net charge-offs to loans | 0.0764% | 1,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -2.2857% | 3,021 |
| Efficiency ratio | 102.2760% | 237 |
| Assets per employee ($millions) | 2.3375% | 5,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 4,523 |
| Loan loss allowance to noncurrent loans | 201.0695% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 4,383 |
| Noncurrent loans to loans | 0.5047% | 3,664 |
| Net loans and leases to total assets | 58.1110% | 4,034 |
| Net loans and leases to deposits | 67.9406% | 4,064 |
| Net loans and leases to core deposits | 70.1981% | 4,231 |
| Total domestic deposits to total assets | 85.5321% | 2,898 |
| Equity capital to assets | 14.3792% | 862 |
| Core capital (leverage) ratio | 14.4289% | 710 |
| Tier 1 risk-based capital ratio | 19.4593% | 1,622 |
| Total risk-based capital ratio | 20.2648% | 1,695 |
| Memoranda: | ||
| Average total assets | $61,672,500 | 5,252 |
| Average earning assets | $56,662,000 | 5,246 |
| Average equity | $9,069,500 | 4,851 |
| Average total loans | $36,660,500 | 5,123 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9643% | 675 |
| Cost of funding earning assets | 0.3921% | 3,244 |
| Net interest margin | 4.5722% | 581 |
| Noninterest income to average assets | 0.8521% | 1,601 |
| Noninterest expense to average assets | 4.0601% | 620 |
| Loan and lease loss provision to assets | 0.0196% | 4,014 |
| Net operating income to assets | 0.4774% | 4,778 |
| Return on assets (ROA) | 0.4774% | 4,861 |
| Pretax return on assets | 0.5914% | 4,866 |
| Return on Equity (ROE) | 3.2542% | 5,213 |
| Retained earnings to average equity (ytd only) | 1.8770% | 4,658 |
| Net charge-offs to loans | 0.5290% | 484 |
| Credit loss provision to net charge-offs | 6.0302% | 3,851 |
| Earnings coverage of net charge-offs (x) | 1.8844% | 4,016 |
| Efficiency ratio | 86.9201% | 916 |
| Assets per employee ($millions) | 2.2309% | 5,989 |
| Cash dividends to net income (ytd only)* | 42.3208% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 4,282 |
| Loan loss allowance to noncurrent loans | 430.3371% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 4,998 |
| Noncurrent loans to loans | 0.2454% | 4,554 |
| Net loans and leases to total assets | 59.5803% | 3,891 |
| Net loans and leases to deposits | 70.1617% | 3,906 |
| Net loans and leases to core deposits | 72.6105% | 4,080 |
| Total domestic deposits to total assets | 84.9186% | 3,132 |
| Equity capital to assets | 15.0482% | 659 |
| Core capital (leverage) ratio | 14.4483% | 725 |
| Tier 1 risk-based capital ratio | 17.0844% | 2,251 |
| Total risk-based capital ratio | 17.8013% | 2,409 |
| Memoranda: | ||
| Average total assets | $61,377,600 | 5,286 |
| Average earning assets | $51,266,000 | 5,404 |
| Average equity | $9,003,800 | 4,849 |
| Average total loans | $37,618,800 | 5,100 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0868% | 530 |
| Cost of funding earning assets | 0.4033% | 3,193 |
| Net interest margin | 4.6835% | 466 |
| Noninterest income to average assets | 0.8908% | 1,477 |
| Noninterest expense to average assets | 3.9633% | 696 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6443% | 4,163 |
| Return on assets (ROA) | 0.6443% | 4,273 |
| Pretax return on assets | 0.7438% | 4,525 |
| Return on Equity (ROE) | 4.4202% | 4,864 |
| Retained earnings to average equity (ytd only) | 4.4202% | 3,323 |
| Net charge-offs to loans | 0.3197% | 833 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.7803% | 3,456 |
| Efficiency ratio | 84.1984% | 1,149 |
| Assets per employee ($millions) | 2.2976% | 6,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 3,279 |
| Loan loss allowance to noncurrent loans | 241.9192% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.5126% | 3,778 |
| Noncurrent loans to loans | 0.5230% | 3,780 |
| Net loans and leases to total assets | 60.2557% | 3,847 |
| Net loans and leases to deposits | 70.8835% | 3,894 |
| Net loans and leases to core deposits | 73.2663% | 4,079 |
| Total domestic deposits to total assets | 85.0066% | 3,002 |
| Equity capital to assets | 14.7532% | 796 |
| Core capital (leverage) ratio | 14.6414% | 706 |
| Tier 1 risk-based capital ratio | 17.9788% | 2,030 |
| Total risk-based capital ratio | 18.9092% | 2,099 |
| Memoranda: | ||
| Average total assets | $61,663,750 | 5,347 |
| Average earning assets | $50,246,250 | 5,500 |
| Average equity | $8,988,750 | 4,913 |
| Average total loans | $37,956,000 | 5,145 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1361% | 469 |
| Cost of funding earning assets | 0.4093% | 3,169 |
| Net interest margin | 4.7268% | 420 |
| Noninterest income to average assets | 0.9327% | 1,349 |
| Noninterest expense to average assets | 4.0494% | 640 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7020% | 3,880 |
| Return on assets (ROA) | 0.7020% | 3,999 |
| Pretax return on assets | 0.7117% | 4,620 |
| Return on Equity (ROE) | 4.8353% | 4,689 |
| Retained earnings to average equity (ytd only) | 4.8353% | 2,966 |
| Net charge-offs to loans | 0.4896% | 508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.3548% | 3,357 |
| Efficiency ratio | 85.0512% | 1,146 |
| Assets per employee ($millions) | 2.1984% | 6,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 3,505 |
| Loan loss allowance to noncurrent loans | 256.4516% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 3,896 |
| Noncurrent loans to loans | 0.4875% | 4,014 |
| Net loans and leases to total assets | 63.4725% | 3,349 |
| Net loans and leases to deposits | 74.9249% | 3,393 |
| Net loans and leases to core deposits | 77.5530% | 3,622 |
| Total domestic deposits to total assets | 84.7148% | 3,247 |
| Equity capital to assets | 15.1403% | 677 |
| Core capital (leverage) ratio | 14.5239% | 710 |
| Tier 1 risk-based capital ratio | 18.7496% | 1,859 |
| Total risk-based capital ratio | 19.7245% | 1,894 |
| Memoranda: | ||
| Average total assets | $61,540,330 | 5,406 |
| Average earning assets | $49,843,000 | 5,567 |
| Average equity | $8,934,330 | 4,956 |
| Average total loans | $37,988,670 | 5,184 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3256% | 340 |
| Cost of funding earning assets | 0.4015% | 3,289 |
| Net interest margin | 4.9241% | 285 |
| Noninterest income to average assets | 1.0666% | 990 |
| Noninterest expense to average assets | 4.2407% | 533 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4790% | 4,769 |
| Return on assets (ROA) | 0.4790% | 4,884 |
| Pretax return on assets | 0.6642% | 4,714 |
| Return on Equity (ROE) | 3.3678% | 5,225 |
| Retained earnings to average equity (ytd only) | 3.3678% | 3,961 |
| Net charge-offs to loans | -0.0211% | 5,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4583% | 1,140 |
| Assets per employee ($millions) | 2.3187% | 6,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 2,314 |
| Loan loss allowance to noncurrent loans | 127.9642% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.9696% | 2,682 |
| Noncurrent loans to loans | 1.1970% | 2,378 |
| Net loans and leases to total assets | 58.7356% | 3,840 |
| Net loans and leases to deposits | 68.6698% | 3,897 |
| Net loans and leases to core deposits | 72.3033% | 3,932 |
| Total domestic deposits to total assets | 85.5333% | 3,160 |
| Equity capital to assets | 14.2974% | 890 |
| Core capital (leverage) ratio | 14.3531% | 728 |
| Tier 1 risk-based capital ratio | 16.2528% | 2,800 |
| Total risk-based capital ratio | 17.2820% | 2,842 |
| Memoranda: | ||
| Average total assets | $62,631,500 | 5,437 |
| Average earning assets | $48,821,000 | 5,640 |
| Average equity | $8,908,000 | 5,012 |
| Average total loans | $37,906,500 | 5,218 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3754% | 398 |
| Cost of funding earning assets | 0.4138% | 3,558 |
| Net interest margin | 4.9616% | 324 |
| Noninterest income to average assets | 1.3274% | 700 |
| Noninterest expense to average assets | 4.7408% | 377 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7362% | 3,706 |
| Return on assets (ROA) | 0.7236% | 3,885 |
| Pretax return on assets | 0.7300% | 4,511 |
| Return on Equity (ROE) | 5.3693% | 4,476 |
| Retained earnings to average equity (ytd only) | 3.8996% | 3,440 |
| Net charge-offs to loans | -0.0340% | 5,825 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4550% | 1,126 |
| Assets per employee ($millions) | 2.2378% | 6,295 |
| Cash dividends to net income (ytd only)* | 27.3731% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 2,557 |
| Loan loss allowance to noncurrent loans | 712.5000% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.5107% | 4,097 |
| Noncurrent loans to loans | 0.2080% | 5,072 |
| Net loans and leases to total assets | 60.4865% | 3,724 |
| Net loans and leases to deposits | 70.5452% | 3,838 |
| Net loans and leases to core deposits | 73.7794% | 3,938 |
| Total domestic deposits to total assets | 85.7414% | 2,968 |
| Equity capital to assets | 14.1485% | 912 |
| Core capital (leverage) ratio | 14.0960% | 789 |
| Tier 1 risk-based capital ratio | 19.0264% | 1,842 |
| Total risk-based capital ratio | 20.2370% | 1,812 |
| Memoranda: | ||
| Average total assets | $62,605,400 | 5,485 |
| Average earning assets | $52,442,800 | 5,610 |
| Average equity | $8,436,800 | 5,101 |
| Average total loans | $38,194,400 | 5,247 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3116% | 440 |
| Cost of funding earning assets | 0.4146% | 3,635 |
| Net interest margin | 4.8970% | 346 |
| Noninterest income to average assets | 1.5614% | 518 |
| Noninterest expense to average assets | 4.9568% | 316 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8094% | 3,387 |
| Return on assets (ROA) | 0.7924% | 3,563 |
| Pretax return on assets | 0.7136% | 4,661 |
| Return on Equity (ROE) | 5.9544% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.9544% | 2,443 |
| Net charge-offs to loans | -0.0385% | 5,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1536% | 1,084 |
| Assets per employee ($millions) | 2.2080% | 6,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 2,988 |
| Loan loss allowance to noncurrent loans | 352.7950% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.8573% | 3,272 |
| Noncurrent loans to loans | 0.4086% | 4,676 |
| Net loans and leases to total assets | 62.8144% | 3,372 |
| Net loans and leases to deposits | 73.5609% | 3,489 |
| Net loans and leases to core deposits | 76.9787% | 3,639 |
| Total domestic deposits to total assets | 85.3910% | 3,164 |
| Equity capital to assets | 14.2062% | 937 |
| Core capital (leverage) ratio | 14.1855% | 800 |
| Tier 1 risk-based capital ratio | 19.2684% | 1,833 |
| Total risk-based capital ratio | 20.4842% | 1,817 |
| Memoranda: | ||
| Average total assets | $62,592,500 | 5,548 |
| Average earning assets | $52,738,750 | 5,664 |
| Average equity | $8,329,750 | 5,166 |
| Average total loans | $38,125,750 | 5,296 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2118% | 496 |
| Cost of funding earning assets | 0.4236% | 3,615 |
| Net interest margin | 4.7882% | 423 |
| Noninterest income to average assets | 0.8879% | 1,532 |
| Noninterest expense to average assets | 4.3215% | 539 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6906% | 3,893 |
| Return on assets (ROA) | 0.6906% | 3,982 |
| Pretax return on assets | 0.5951% | 4,970 |
| Return on Equity (ROE) | 5.3065% | 4,526 |
| Retained earnings to average equity (ytd only) | 5.3065% | 2,756 |
| Net charge-offs to loans | -0.0477% | 5,854 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8964% | 1,095 |
| Assets per employee ($millions) | 2.5383% | 6,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4413% | 3,144 |
| Loan loss allowance to noncurrent loans | 128.0543% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 1.3710% | 2,385 |
| Noncurrent loans to loans | 1.1255% | 2,971 |
| Net loans and leases to total assets | 60.9941% | 3,567 |
| Net loans and leases to deposits | 70.7703% | 3,726 |
| Net loans and leases to core deposits | 73.9266% | 3,848 |
| Total domestic deposits to total assets | 86.1859% | 2,944 |
| Equity capital to assets | 13.4248% | 1,188 |
| Core capital (leverage) ratio | 13.9091% | 862 |
| Tier 1 risk-based capital ratio | 19.5075% | 1,799 |
| Total risk-based capital ratio | 19.5075% | 2,112 |
| Memoranda: | ||
| Average total assets | $62,848,330 | 5,590 |
| Average earning assets | $52,880,000 | 5,711 |
| Average equity | $8,178,670 | 5,218 |
| Average total loans | $37,700,000 | 5,348 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1201% | 575 |
| Cost of funding earning assets | 0.4429% | 3,506 |
| Net interest margin | 4.6772% | 488 |
| Noninterest income to average assets | 0.8890% | 1,433 |
| Noninterest expense to average assets | 4.5536% | 433 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1855% | 5,839 |
| Return on assets (ROA) | 0.1855% | 5,882 |
| Pretax return on assets | 0.1855% | 5,939 |
| Return on Equity (ROE) | 1.4485% | 5,940 |
| Retained earnings to average equity (ytd only) | 1.4485% | 5,038 |
| Net charge-offs to loans | -0.0542% | 5,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0864% | 635 |
| Assets per employee ($millions) | 2.5450% | 6,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 2,991 |
| Loan loss allowance to noncurrent loans | 183.6601% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 1.1536% | 2,958 |
| Noncurrent loans to loans | 0.8368% | 3,795 |
| Net loans and leases to total assets | 56.5885% | 4,068 |
| Net loans and leases to deposits | 64.9781% | 4,210 |
| Net loans and leases to core deposits | 66.5736% | 4,440 |
| Total domestic deposits to total assets | 87.0886% | 2,750 |
| Equity capital to assets | 12.7479% | 1,432 |
| Core capital (leverage) ratio | 13.7216% | 916 |
| Tier 1 risk-based capital ratio | 18.2481% | 2,189 |
| Total risk-based capital ratio | 19.4323% | 2,184 |
| Memoranda: | ||
| Average total assets | $62,544,000 | 5,655 |
| Average earning assets | $51,483,500 | 5,800 |
| Average equity | $8,008,500 | 5,287 |
| Average total loans | $36,914,500 | 5,433 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5380% | 339 |
| Cost of funding earning assets | 0.5262% | 3,333 |
| Net interest margin | 5.0118% | 307 |
| Noninterest income to average assets | 0.3105% | 5,116 |
| Noninterest expense to average assets | 4.2883% | 640 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0079% | 6,225 |
| Return on assets (ROA) | -0.0158% | 6,267 |
| Pretax return on assets | -0.0079% | 6,238 |
| Return on Equity (ROE) | -0.1186% | 6,265 |
| Retained earnings to average equity (ytd only) | -3.2502% | 6,282 |
| Net charge-offs to loans | 0.0053% | 5,362 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 5,090 |
| Efficiency ratio | 100.0000% | 474 |
| Assets per employee ($millions) | 2.2764% | 6,533 |
| Cash dividends to net income (ytd only)* | -2,640.0000% | 6,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 3,218 |
| Loan loss allowance to noncurrent loans | 123.7778% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.4285% | 2,603 |
| Noncurrent loans to loans | 1.2077% | 3,128 |
| Net loans and leases to total assets | 59.7198% | 3,768 |
| Net loans and leases to deposits | 68.5844% | 3,965 |
| Net loans and leases to core deposits | 70.3174% | 4,261 |
| Total domestic deposits to total assets | 87.0749% | 2,684 |
| Equity capital to assets | 12.8632% | 1,337 |
| Core capital (leverage) ratio | 13.7736% | 887 |
| Tier 1 risk-based capital ratio | 18.2398% | 2,171 |
| Total risk-based capital ratio | 19.4171% | 2,155 |
| Memoranda: | ||
| Average total assets | $63,452,400 | 5,668 |
| Average earning assets | $50,360,800 | 5,872 |
| Average equity | $8,430,200 | 5,231 |
| Average total loans | $37,552,000 | 5,443 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5306% | 355 |
| Cost of funding earning assets | 0.5509% | 3,250 |
| Net interest margin | 4.9796% | 331 |
| Noninterest income to average assets | 0.7964% | 2,170 |
| Noninterest expense to average assets | 4.0447% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4670% | 4,945 |
| Return on assets (ROA) | 0.4670% | 5,091 |
| Pretax return on assets | 0.6713% | 4,787 |
| Return on Equity (ROE) | 3.4885% | 5,436 |
| Retained earnings to average equity (ytd only) | 1.3082% | 5,462 |
| Net charge-offs to loans | 0.0248% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 46.0150% | 913 |
| Efficiency ratio | 85.7648% | 1,385 |
| Assets per employee ($millions) | 2.2324% | 6,628 |
| Cash dividends to net income (ytd only)* | 62.4992% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 3,886 |
| Loan loss allowance to noncurrent loans | 193.0070% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 1.8150% | 2,253 |
| Noncurrent loans to loans | 0.7267% | 4,398 |
| Net loans and leases to total assets | 59.9367% | 3,701 |
| Net loans and leases to deposits | 69.0248% | 3,929 |
| Net loans and leases to core deposits | 70.6704% | 4,247 |
| Total domestic deposits to total assets | 86.8335% | 2,789 |
| Equity capital to assets | 12.8051% | 1,417 |
| Core capital (leverage) ratio | 14.1146% | 842 |
| Tier 1 risk-based capital ratio | 18.5413% | 2,127 |
| Total risk-based capital ratio | 19.6799% | 2,137 |
| Memoranda: | ||
| Average total assets | $63,950,000 | 5,708 |
| Average earning assets | $50,337,000 | 5,947 |
| Average equity | $8,561,250 | 5,252 |
| Average total loans | $37,624,500 | 5,492 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5111% | 366 |
| Cost of funding earning assets | 0.5997% | 2,944 |
| Net interest margin | 4.9114% | 358 |
| Noninterest income to average assets | 0.7977% | 2,195 |
| Noninterest expense to average assets | 4.0134% | 848 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2764% | 5,683 |
| Return on assets (ROA) | 0.2764% | 5,817 |
| Pretax return on assets | 0.5653% | 5,148 |
| Return on Equity (ROE) | 2.0343% | 5,946 |
| Retained earnings to average equity (ytd only) | -1.2021% | 6,076 |
| Net charge-offs to loans | -0.0432% | 6,215 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6543% | 1,257 |
| Assets per employee ($millions) | 2.1818% | 6,689 |
| Cash dividends to net income (ytd only)* | 159.0909% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 3,634 |
| Loan loss allowance to noncurrent loans | 151.2000% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 1.9835% | 2,169 |
| Noncurrent loans to loans | 0.9849% | 3,967 |
| Net loans and leases to total assets | 59.2799% | 3,783 |
| Net loans and leases to deposits | 68.5134% | 3,934 |
| Net loans and leases to core deposits | 70.0882% | 4,269 |
| Total domestic deposits to total assets | 86.5231% | 3,104 |
| Equity capital to assets | 13.1909% | 1,264 |
| Core capital (leverage) ratio | 13.5575% | 955 |
| Tier 1 risk-based capital ratio | 18.8616% | 2,033 |
| Total risk-based capital ratio | 20.0694% | 2,003 |
| Memoranda: | ||
| Average total assets | $63,686,670 | 5,754 |
| Average earning assets | $49,028,330 | 6,021 |
| Average equity | $8,651,670 | 5,263 |
| Average total loans | $37,047,670 | 5,538 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5162% | 363 |
| Cost of funding earning assets | 0.6681% | 2,493 |
| Net interest margin | 4.8481% | 371 |
| Noninterest income to average assets | 0.7825% | 2,201 |
| Noninterest expense to average assets | 4.0191% | 864 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1064% | 6,449 |
| Return on assets (ROA) | -0.1064% | 6,497 |
| Pretax return on assets | 0.3068% | 5,834 |
| Return on Equity (ROE) | -0.7723% | 6,485 |
| Retained earnings to average equity (ytd only) | -7.1327% | 6,482 |
| Net charge-offs to loans | -0.0547% | 6,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9088% | 912 |
| Assets per employee ($millions) | 2.1985% | 6,770 |
| Cash dividends to net income (ytd only)* | -823.5294% | 7,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 3,665 |
| Loan loss allowance to noncurrent loans | 137.8973% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 2.0217% | 2,311 |
| Noncurrent loans to loans | 1.1145% | 3,919 |
| Net loans and leases to total assets | 56.6730% | 3,981 |
| Net loans and leases to deposits | 65.8040% | 4,082 |
| Net loans and leases to core deposits | 67.3872% | 4,368 |
| Total domestic deposits to total assets | 86.1239% | 3,460 |
| Equity capital to assets | 13.6205% | 1,172 |
| Core capital (leverage) ratio | 13.6545% | 889 |
| Tier 1 risk-based capital ratio | 17.7390% | 2,469 |
| Total risk-based capital ratio | 18.8833% | 2,473 |
| Memoranda: | ||
| Average total assets | $63,894,500 | 5,808 |
| Average earning assets | $46,698,500 | 6,136 |
| Average equity | $8,804,500 | 5,275 |
| Average total loans | $36,534,500 | 5,589 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8417% | 344 |
| Cost of funding earning assets | 0.7573% | 3,036 |
| Net interest margin | 5.0844% | 331 |
| Noninterest income to average assets | 0.4743% | 4,070 |
| Noninterest expense to average assets | 3.9628% | 1,017 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3702% | 5,219 |
| Return on assets (ROA) | 0.8257% | 3,416 |
| Pretax return on assets | 1.1235% | 3,070 |
| Return on Equity (ROE) | 5.8894% | 4,231 |
| Retained earnings to average equity (ytd only) | 3.0346% | 4,101 |
| Net charge-offs to loans | 0.0380% | 5,389 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 22.6429% | 1,251 |
| Efficiency ratio | 88.8065% | 1,164 |
| Assets per employee ($millions) | 2.2080% | 6,832 |
| Cash dividends to net income (ytd only)* | 48.4733% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 3,585 |
| Loan loss allowance to noncurrent loans | 106.0721% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 2.2005% | 2,229 |
| Noncurrent loans to loans | 1.4489% | 3,429 |
| Net loans and leases to total assets | 55.9298% | 4,301 |
| Net loans and leases to deposits | 65.1691% | 4,396 |
| Net loans and leases to core deposits | 67.1120% | 4,632 |
| Total domestic deposits to total assets | 85.8227% | 3,445 |
| Equity capital to assets | 13.9383% | 1,074 |
| Core capital (leverage) ratio | 13.7121% | 881 |
| Tier 1 risk-based capital ratio | 16.4551% | 2,920 |
| Total risk-based capital ratio | 17.4879% | 2,987 |
| Memoranda: | ||
| Average total assets | $63,465,000 | 5,841 |
| Average earning assets | $49,780,000 | 6,062 |
| Average equity | $8,897,400 | 5,250 |
| Average total loans | $36,873,000 | 5,642 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7193% | 444 |
| Cost of funding earning assets | 0.7588% | 3,279 |
| Net interest margin | 4.9605% | 429 |
| Noninterest income to average assets | 0.8254% | 2,137 |
| Noninterest expense to average assets | 4.0405% | 888 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5451% | 4,642 |
| Return on assets (ROA) | 0.6296% | 4,499 |
| Pretax return on assets | 0.9286% | 3,997 |
| Return on Equity (ROE) | 4.4841% | 5,047 |
| Retained earnings to average equity (ytd only) | 2.5345% | 5,047 |
| Net charge-offs to loans | 0.0252% | 5,316 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 54.5895% | 708 |
| Efficiency ratio | 83.3985% | 1,655 |
| Assets per employee ($millions) | 2.0723% | 6,976 |
| Cash dividends to net income (ytd only)* | 43.4782% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5487% | 3,735 |
| Loan loss allowance to noncurrent loans | 89.6989% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 2.7460% | 1,921 |
| Noncurrent loans to loans | 1.7265% | 3,199 |
| Net loans and leases to total assets | 56.0103% | 4,452 |
| Net loans and leases to deposits | 65.5236% | 4,532 |
| Net loans and leases to core deposits | 67.0762% | 4,829 |
| Total domestic deposits to total assets | 85.4810% | 3,518 |
| Equity capital to assets | 14.1625% | 1,093 |
| Core capital (leverage) ratio | 13.5642% | 989 |
| Tier 1 risk-based capital ratio | 17.9366% | 2,376 |
| Total risk-based capital ratio | 19.0897% | 2,378 |
| Memoranda: | ||
| Average total assets | $63,323,250 | 5,900 |
| Average earning assets | $51,310,500 | 6,074 |
| Average equity | $8,890,500 | 5,297 |
| Average total loans | $36,998,250 | 5,707 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7157% | 472 |
| Cost of funding earning assets | 0.7634% | 3,490 |
| Net interest margin | 4.9523% | 433 |
| Noninterest income to average assets | 0.7934% | 2,217 |
| Noninterest expense to average assets | 3.9703% | 983 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6287% | 4,234 |
| Return on assets (ROA) | 0.7617% | 3,820 |
| Pretax return on assets | 1.0664% | 3,440 |
| Return on Equity (ROE) | 5.4414% | 4,611 |
| Retained earnings to average equity (ytd only) | 2.4940% | 4,946 |
| Net charge-offs to loans | 0.0538% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 27.7000% | 1,127 |
| Efficiency ratio | 81.8717% | 1,895 |
| Assets per employee ($millions) | 1.8687% | 7,089 |
| Cash dividends to net income (ytd only)* | 54.1667% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 4,075 |
| Loan loss allowance to noncurrent loans | 76.7030% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 2.7354% | 2,014 |
| Noncurrent loans to loans | 1.9381% | 3,012 |
| Net loans and leases to total assets | 58.7201% | 4,039 |
| Net loans and leases to deposits | 68.5311% | 4,117 |
| Net loans and leases to core deposits | 71.3584% | 4,376 |
| Total domestic deposits to total assets | 85.6839% | 3,515 |
| Equity capital to assets | 14.0595% | 1,076 |
| Core capital (leverage) ratio | 13.4260% | 1,002 |
| Tier 1 risk-based capital ratio | 18.1202% | 2,258 |
| Total risk-based capital ratio | 19.2868% | 2,251 |
| Memoranda: | ||
| Average total assets | $63,017,670 | 5,946 |
| Average earning assets | $51,612,670 | 6,102 |
| Average equity | $8,821,330 | 5,314 |
| Average total loans | $37,148,670 | 5,728 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6825% | 533 |
| Cost of funding earning assets | 0.7784% | 3,637 |
| Net interest margin | 4.9041% | 464 |
| Noninterest income to average assets | 0.8859% | 1,810 |
| Noninterest expense to average assets | 4.0345% | 899 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5871% | 4,409 |
| Return on assets (ROA) | 0.6565% | 4,313 |
| Pretax return on assets | 0.9688% | 3,797 |
| Return on Equity (ROE) | 4.7002% | 4,937 |
| Retained earnings to average equity (ytd only) | -1.2321% | 6,183 |
| Net charge-offs to loans | 0.1631% | 3,111 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 9.0667% | 1,886 |
| Efficiency ratio | 82.3147% | 1,897 |
| Assets per employee ($millions) | 1.9667% | 7,128 |
| Cash dividends to net income (ytd only)* | 126.2136% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 4,141 |
| Loan loss allowance to noncurrent loans | 69.7500% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 2.8697% | 2,032 |
| Noncurrent loans to loans | 2.1548% | 2,963 |
| Net loans and leases to total assets | 58.1053% | 4,015 |
| Net loans and leases to deposits | 67.6021% | 4,127 |
| Net loans and leases to core deposits | 70.3975% | 4,354 |
| Total domestic deposits to total assets | 85.9519% | 3,556 |
| Equity capital to assets | 13.8780% | 1,060 |
| Core capital (leverage) ratio | 13.5070% | 949 |
| Tier 1 risk-based capital ratio | 18.1918% | 2,223 |
| Total risk-based capital ratio | 19.2950% | 2,243 |
| Memoranda: | ||
| Average total assets | $62,758,000 | 5,988 |
| Average earning assets | $51,385,500 | 6,142 |
| Average equity | $8,765,500 | 5,345 |
| Average total loans | $36,787,000 | 5,788 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0542% | 394 |
| Cost of funding earning assets | 1.0029% | 3,357 |
| Net interest margin | 5.0513% | 367 |
| Noninterest income to average assets | 0.8481% | 1,850 |
| Noninterest expense to average assets | 4.2111% | 797 |
| Loan and lease loss provision to assets | 0.0187% | 6,340 |
| Net operating income to assets | 0.5422% | 4,266 |
| Return on assets (ROA) | 0.5659% | 4,349 |
| Pretax return on assets | 0.7406% | 4,190 |
| Return on Equity (ROE) | 4.2561% | 4,735 |
| Retained earnings to average equity (ytd only) | 2.7319% | 4,290 |
| Net charge-offs to loans | -0.1329% | 7,172 |
| Credit loss provision to net charge-offs | -23.0769% | 6,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2588% | 1,648 |
| Assets per employee ($millions) | 2.0188% | 7,156 |
| Cash dividends to net income (ytd only)* | 35.8127% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 3,699 |
| Loan loss allowance to noncurrent loans | 80.3647% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 2.7228% | 2,233 |
| Noncurrent loans to loans | 1.9562% | 3,265 |
| Net loans and leases to total assets | 57.3248% | 4,491 |
| Net loans and leases to deposits | 66.8848% | 4,606 |
| Net loans and leases to core deposits | 69.4377% | 4,860 |
| Total domestic deposits to total assets | 85.7068% | 3,481 |
| Equity capital to assets | 14.0568% | 1,041 |
| Core capital (leverage) ratio | 13.1397% | 1,090 |
| Tier 1 risk-based capital ratio | 18.8447% | 1,945 |
| Total risk-based capital ratio | 20.0952% | 1,905 |
| Memoranda: | ||
| Average total assets | $64,140,600 | 5,921 |
| Average earning assets | $51,947,200 | 6,124 |
| Average equity | $8,529,000 | 5,397 |
| Average total loans | $39,116,600 | 5,739 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1087% | 387 |
| Cost of funding earning assets | 1.0301% | 3,470 |
| Net interest margin | 5.0786% | 354 |
| Noninterest income to average assets | 0.8285% | 1,932 |
| Noninterest expense to average assets | 4.0435% | 959 |
| Loan and lease loss provision to assets | 0.0248% | 6,143 |
| Net operating income to assets | 0.6616% | 3,813 |
| Return on assets (ROA) | 0.6839% | 3,868 |
| Pretax return on assets | 0.8843% | 3,828 |
| Return on Equity (ROE) | 5.2153% | 4,442 |
| Retained earnings to average equity (ytd only) | 3.1670% | 4,446 |
| Net charge-offs to loans | -0.1843% | 7,254 |
| Credit loss provision to net charge-offs | -21.8182% | 6,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1234% | 1,954 |
| Assets per employee ($millions) | 2.1079% | 7,199 |
| Cash dividends to net income (ytd only)* | 39.2754% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 4,159 |
| Loan loss allowance to noncurrent loans | 62.4729% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 3.1173% | 2,052 |
| Noncurrent loans to loans | 2.3833% | 2,906 |
| Net loans and leases to total assets | 58.3212% | 4,453 |
| Net loans and leases to deposits | 67.7234% | 4,659 |
| Net loans and leases to core deposits | 70.3864% | 4,905 |
| Total domestic deposits to total assets | 86.1168% | 3,158 |
| Equity capital to assets | 13.5205% | 1,359 |
| Core capital (leverage) ratio | 13.1851% | 1,158 |
| Tier 1 risk-based capital ratio | 16.5953% | 2,815 |
| Total risk-based capital ratio | 17.7064% | 2,848 |
| Memoranda: | ||
| Average total assets | $64,530,250 | 5,956 |
| Average earning assets | $52,033,750 | 6,172 |
| Average equity | $8,462,000 | 5,445 |
| Average total loans | $39,783,750 | 5,754 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0868% | 399 |
| Cost of funding earning assets | 1.0353% | 3,701 |
| Net interest margin | 5.0515% | 366 |
| Noninterest income to average assets | 0.7968% | 2,032 |
| Noninterest expense to average assets | 4.0679% | 949 |
| Loan and lease loss provision to assets | 0.0373% | 5,845 |
| Net operating income to assets | 0.6125% | 3,998 |
| Return on assets (ROA) | 0.6443% | 3,952 |
| Pretax return on assets | 0.8808% | 3,707 |
| Return on Equity (ROE) | 4.9654% | 4,467 |
| Retained earnings to average equity (ytd only) | 1.8470% | 5,062 |
| Net charge-offs to loans | -0.2192% | 7,301 |
| Credit loss provision to net charge-offs | -27.2727% | 6,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3048% | 2,061 |
| Assets per employee ($millions) | 2.0481% | 7,271 |
| Cash dividends to net income (ytd only)* | 62.8019% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 4,531 |
| Loan loss allowance to noncurrent loans | 68.7348% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 3.0477% | 2,205 |
| Noncurrent loans to loans | 2.0489% | 3,414 |
| Net loans and leases to total assets | 62.3002% | 3,828 |
| Net loans and leases to deposits | 72.2307% | 4,076 |
| Net loans and leases to core deposits | 75.5862% | 4,370 |
| Total domestic deposits to total assets | 86.2516% | 3,183 |
| Equity capital to assets | 13.4570% | 1,319 |
| Core capital (leverage) ratio | 12.8842% | 1,207 |
| Tier 1 risk-based capital ratio | 16.8656% | 2,581 |
| Total risk-based capital ratio | 17.9893% | 2,590 |
| Memoranda: | ||
| Average total assets | $64,258,670 | 6,005 |
| Average earning assets | $52,737,330 | 6,199 |
| Average equity | $8,337,670 | 5,506 |
| Average total loans | $40,149,670 | 5,792 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7058% | 869 |
| Cost of funding earning assets | 1.0436% | 3,900 |
| Net interest margin | 4.6622% | 758 |
| Noninterest income to average assets | 0.7673% | 2,175 |
| Noninterest expense to average assets | 3.9850% | 1,056 |
| Loan and lease loss provision to assets | 0.0681% | 5,141 |
| Net operating income to assets | 0.4703% | 4,620 |
| Return on assets (ROA) | 0.4703% | 4,700 |
| Pretax return on assets | 0.5569% | 4,843 |
| Return on Equity (ROE) | 3.6918% | 5,045 |
| Retained earnings to average equity (ytd only) | -2.6231% | 6,241 |
| Net charge-offs to loans | -0.3087% | 7,341 |
| Credit loss provision to net charge-offs | -35.4839% | 5,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4430% | 1,661 |
| Assets per employee ($millions) | 2.0724% | 7,325 |
| Cash dividends to net income (ytd only)* | 171.0526% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 4,753 |
| Loan loss allowance to noncurrent loans | 43.5229% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 3.4245% | 1,987 |
| Noncurrent loans to loans | 3.1774% | 2,363 |
| Net loans and leases to total assets | 59.2512% | 4,415 |
| Net loans and leases to deposits | 67.7875% | 4,707 |
| Net loans and leases to core deposits | 70.7421% | 4,958 |
| Total domestic deposits to total assets | 87.4073% | 2,707 |
| Equity capital to assets | 12.3922% | 1,687 |
| Core capital (leverage) ratio | 12.8530% | 1,174 |
| Tier 1 risk-based capital ratio | 16.3292% | 2,737 |
| Total risk-based capital ratio | 17.4070% | 2,797 |
| Memoranda: | ||
| Average total assets | $64,642,500 | 6,040 |
| Average earning assets | $53,279,000 | 6,223 |
| Average equity | $8,234,500 | 5,541 |
| Average total loans | $40,164,500 | 5,843 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4195% | 366 |
| Cost of funding earning assets | 1.2569% | 4,168 |
| Net interest margin | 5.1626% | 311 |
| Noninterest income to average assets | 1.1329% | 1,150 |
| Noninterest expense to average assets | 4.2250% | 881 |
| Loan and lease loss provision to assets | 0.4984% | 3,162 |
| Net operating income to assets | 0.7411% | 3,038 |
| Return on assets (ROA) | 0.7411% | 3,165 |
| Pretax return on assets | 0.6115% | 4,281 |
| Return on Equity (ROE) | 5.6071% | 3,783 |
| Retained earnings to average equity (ytd only) | 3.9944% | 3,071 |
| Net charge-offs to loans | 0.2693% | 4,678 |
| Credit loss provision to net charge-offs | 269.0265% | 1,031 |
| Earnings coverage of net charge-offs (x) | 5.9912% | 2,473 |
| Efficiency ratio | 79.1948% | 2,510 |
| Assets per employee ($millions) | 1.9082% | 7,455 |
| Cash dividends to net income (ytd only)* | 28.7611% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 5,212 |
| Loan loss allowance to noncurrent loans | 36.8573% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 3.8590% | 1,777 |
| Noncurrent loans to loans | 3.4111% | 2,226 |
| Net loans and leases to total assets | 63.4852% | 3,972 |
| Net loans and leases to deposits | 73.1947% | 4,332 |
| Net loans and leases to core deposits | 74.8488% | 4,870 |
| Total domestic deposits to total assets | 86.7347% | 2,955 |
| Equity capital to assets | 13.1033% | 1,347 |
| Core capital (leverage) ratio | 12.7024% | 1,245 |
| Tier 1 risk-based capital ratio | 17.4185% | 2,203 |
| Total risk-based capital ratio | 18.4738% | 2,226 |
| Memoranda: | ||
| Average total assets | $60,993,600 | 6,162 |
| Average earning assets | $49,645,400 | 6,377 |
| Average equity | $8,061,200 | 5,694 |
| Average total loans | $41,960,000 | 5,838 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5462% | 312 |
| Cost of funding earning assets | 1.2644% | 4,468 |
| Net interest margin | 5.2819% | 251 |
| Noninterest income to average assets | 1.2363% | 899 |
| Noninterest expense to average assets | 4.3305% | 719 |
| Loan and lease loss provision to assets | 0.6700% | 2,280 |
| Net operating income to assets | 0.1631% | 5,610 |
| Return on assets (ROA) | 0.1631% | 5,765 |
| Pretax return on assets | 0.4892% | 4,962 |
| Return on Equity (ROE) | 1.2311% | 5,841 |
| Retained earnings to average equity (ytd only) | -0.9316% | 6,004 |
| Net charge-offs to loans | 0.3496% | 3,908 |
| Credit loss provision to net charge-offs | 273.8739% | 1,197 |
| Earnings coverage of net charge-offs (x) | 4.7386% | 2,939 |
| Efficiency ratio | 78.8840% | 2,504 |
| Assets per employee ($millions) | 1.9838% | 7,524 |
| Cash dividends to net income (ytd only)* | 175.6842% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 5,284 |
| Loan loss allowance to noncurrent loans | 31.3882% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 4.0937% | 1,690 |
| Noncurrent loans to loans | 3.9547% | 1,905 |
| Net loans and leases to total assets | 62.1009% | 4,509 |
| Net loans and leases to deposits | 71.3559% | 4,934 |
| Net loans and leases to core deposits | 73.2219% | 5,383 |
| Total domestic deposits to total assets | 87.0299% | 2,509 |
| Equity capital to assets | 12.3851% | 1,925 |
| Core capital (leverage) ratio | 12.6717% | 1,351 |
| Tier 1 risk-based capital ratio | 15.2958% | 3,103 |
| Total risk-based capital ratio | 16.2698% | 3,231 |
| Memoranda: | ||
| Average total assets | $60,499,750 | 6,251 |
| Average earning assets | $48,718,750 | 6,481 |
| Average equity | $8,013,750 | 5,787 |
| Average total loans | $42,328,750 | 5,905 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6519% | 267 |
| Cost of funding earning assets | 1.2571% | 4,785 |
| Net interest margin | 5.3948% | 200 |
| Noninterest income to average assets | 1.4853% | 579 |
| Noninterest expense to average assets | 4.4864% | 586 |
| Loan and lease loss provision to assets | 1.0366% | 1,403 |
| Net operating income to assets | -0.0408% | 6,136 |
| Return on assets (ROA) | -0.0408% | 6,225 |
| Pretax return on assets | 0.3671% | 5,317 |
| Return on Equity (ROE) | -0.3007% | 6,215 |
| Retained earnings to average equity (ytd only) | -3.5579% | 6,377 |
| Net charge-offs to loans | 0.3980% | 3,385 |
| Credit loss provision to net charge-offs | 358.8235% | 1,022 |
| Earnings coverage of net charge-offs (x) | 4.8588% | 2,821 |
| Efficiency ratio | 76.1685% | 3,044 |
| Assets per employee ($millions) | 1.7820% | 7,661 |
| Cash dividends to net income (ytd only)* | -1,083.3333% | 7,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 4,971 |
| Loan loss allowance to noncurrent loans | 24.2780% | 6,722 |
| Noncurrent assets plus other real estate owned to assets | 4.9877% | 1,295 |
| Noncurrent loans to loans | 5.3259% | 1,262 |
| Net loans and leases to total assets | 69.8410% | 2,940 |
| Net loans and leases to deposits | 81.2801% | 3,391 |
| Net loans and leases to core deposits | 85.2216% | 3,954 |
| Total domestic deposits to total assets | 85.9264% | 3,133 |
| Equity capital to assets | 13.5788% | 1,315 |
| Core capital (leverage) ratio | 12.9484% | 1,224 |
| Tier 1 risk-based capital ratio | 16.5503% | 2,456 |
| Total risk-based capital ratio | 17.6720% | 2,450 |
| Memoranda: | ||
| Average total assets | $58,844,330 | 6,355 |
| Average earning assets | $48,046,670 | 6,547 |
| Average equity | $7,982,330 | 5,811 |
| Average total loans | $42,716,330 | 5,918 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5084% | 104 |
| Cost of funding earning assets | 1.2500% | 5,113 |
| Net interest margin | 6.2584% | 85 |
| Noninterest income to average assets | 0.9174% | 1,566 |
| Noninterest expense to average assets | 4.4306% | 624 |
| Loan and lease loss provision to assets | 2.0726% | 532 |
| Net operating income to assets | -0.9921% | 7,101 |
| Return on assets (ROA) | -0.9921% | 7,126 |
| Pretax return on assets | -0.5164% | 6,799 |
| Return on Equity (ROE) | -7.3174% | 7,018 |
| Retained earnings to average equity (ytd only) | -13.8329% | 7,165 |
| Net charge-offs to loans | -0.0740% | 7,456 |
| Credit loss provision to net charge-offs | -3,812.5000% | 6,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0068% | 3,576 |
| Assets per employee ($millions) | 1.7558% | 7,763 |
| Cash dividends to net income (ytd only)* | -89.0411% | 7,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 4,021 |
| Loan loss allowance to noncurrent loans | 70.1111% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 2.7271% | 2,669 |
| Noncurrent loans to loans | 2.1094% | 3,643 |
| Net loans and leases to total assets | 70.4144% | 2,824 |
| Net loans and leases to deposits | 81.3170% | 3,404 |
| Net loans and leases to core deposits | 84.6595% | 4,111 |
| Total domestic deposits to total assets | 86.5925% | 2,847 |
| Equity capital to assets | 13.1361% | 1,470 |
| Core capital (leverage) ratio | 13.1154% | 1,179 |
| Tier 1 risk-based capital ratio | 15.0821% | 3,072 |
| Total risk-based capital ratio | 16.3014% | 3,050 |
| Memoranda: | ||
| Average total assets | $58,864,000 | 6,437 |
| Average earning assets | $47,680,000 | 6,640 |
| Average equity | $7,981,000 | 5,853 |
| Average total loans | $43,270,500 | 5,970 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7081% | 457 |
| Cost of funding earning assets | 1.5590% | 5,231 |
| Net interest margin | 5.1492% | 324 |
| Noninterest income to average assets | 1.1442% | 1,177 |
| Noninterest expense to average assets | 4.4074% | 868 |
| Loan and lease loss provision to assets | 0.5764% | 3,499 |
| Net operating income to assets | 0.2417% | 4,754 |
| Return on assets (ROA) | 0.1180% | 5,212 |
| Pretax return on assets | 0.4241% | 4,421 |
| Return on Equity (ROE) | 0.8535% | 5,277 |
| Retained earnings to average equity (ytd only) | -0.7546% | 5,193 |
| Net charge-offs to loans | 0.9925% | 2,426 |
| Credit loss provision to net charge-offs | 77.2936% | 6,351 |
| Earnings coverage of net charge-offs (x) | 1.6009% | 4,543 |
| Efficiency ratio | 78.6870% | 3,097 |
| Assets per employee ($millions) | 1.7068% | 7,853 |
| Cash dividends to net income (ytd only)* | 188.4058% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7248% | 7,324 |
| Loan loss allowance to noncurrent loans | 15.1790% | 7,252 |
| Noncurrent assets plus other real estate owned to assets | 4.5718% | 1,407 |
| Noncurrent loans to loans | 4.7750% | 1,451 |
| Net loans and leases to total assets | 75.0577% | 2,010 |
| Net loans and leases to deposits | 87.4425% | 2,653 |
| Net loans and leases to core deposits | 105.4242% | 3,406 |
| Total domestic deposits to total assets | 85.8366% | 3,090 |
| Equity capital to assets | 13.9928% | 1,176 |
| Core capital (leverage) ratio | 13.5125% | 1,090 |
| Tier 1 risk-based capital ratio | 16.4586% | 2,338 |
| Total risk-based capital ratio | 17.1063% | 2,517 |
| Memoranda: | ||
| Average total assets | $58,470,400 | 6,413 |
| Average earning assets | $50,610,200 | 6,512 |
| Average equity | $8,084,200 | 5,896 |
| Average total loans | $43,928,600 | 5,935 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6472% | 562 |
| Cost of funding earning assets | 1.6142% | 5,338 |
| Net interest margin | 5.0330% | 414 |
| Noninterest income to average assets | 0.9218% | 1,894 |
| Noninterest expense to average assets | 4.5042% | 744 |
| Loan and lease loss provision to assets | 0.2322% | 5,116 |
| Net operating income to assets | 0.1962% | 5,172 |
| Return on assets (ROA) | 0.3346% | 4,756 |
| Pretax return on assets | 0.7943% | 3,557 |
| Return on Equity (ROE) | 2.4272% | 5,017 |
| Retained earnings to average equity (ytd only) | 0.2807% | 5,080 |
| Net charge-offs to loans | 0.3884% | 3,708 |
| Credit loss provision to net charge-offs | 79.6875% | 5,774 |
| Earnings coverage of net charge-offs (x) | 2.7813% | 3,830 |
| Efficiency ratio | 84.7537% | 2,215 |
| Assets per employee ($millions) | 1.7778% | 7,910 |
| Cash dividends to net income (ytd only)* | 88.4337% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8810% | 6,842 |
| Loan loss allowance to noncurrent loans | 26.6167% | 6,687 |
| Noncurrent assets plus other real estate owned to assets | 3.6442% | 1,803 |
| Noncurrent loans to loans | 3.3100% | 2,278 |
| Net loans and leases to total assets | 74.9795% | 2,250 |
| Net loans and leases to deposits | 87.6519% | 3,034 |
| Net loans and leases to core deposits | 104.2072% | 3,912 |
| Total domestic deposits to total assets | 85.5424% | 2,948 |
| Equity capital to assets | 13.9122% | 1,337 |
| Core capital (leverage) ratio | 13.9685% | 1,098 |
| Tier 1 risk-based capital ratio | 17.4847% | 2,123 |
| Total risk-based capital ratio | 18.3227% | 2,205 |
| Memoranda: | ||
| Average total assets | $58,580,500 | 6,445 |
| Average earning assets | $51,127,750 | 6,533 |
| Average equity | $8,075,250 | 5,959 |
| Average total loans | $43,942,250 | 5,975 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7676% | 478 |
| Cost of funding earning assets | 1.7107% | 5,219 |
| Net interest margin | 5.0569% | 379 |
| Noninterest income to average assets | 0.9189% | 1,903 |
| Noninterest expense to average assets | 4.3722% | 871 |
| Loan and lease loss provision to assets | 0.2049% | 4,999 |
| Net operating income to assets | 0.2090% | 5,233 |
| Return on assets (ROA) | 0.4167% | 4,550 |
| Pretax return on assets | 1.0384% | 2,848 |
| Return on Equity (ROE) | 3.0324% | 4,888 |
| Retained earnings to average equity (ytd only) | -0.1988% | 5,269 |
| Net charge-offs to loans | 0.4932% | 2,854 |
| Credit loss provision to net charge-offs | 55.5556% | 5,669 |
| Earnings coverage of net charge-offs (x) | 2.4907% | 3,819 |
| Efficiency ratio | 82.6340% | 2,647 |
| Assets per employee ($millions) | 1.7481% | 8,007 |
| Cash dividends to net income (ytd only)* | 106.5574% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8427% | 7,006 |
| Loan loss allowance to noncurrent loans | 33.2133% | 6,242 |
| Noncurrent assets plus other real estate owned to assets | 3.0856% | 2,039 |
| Noncurrent loans to loans | 2.5373% | 2,851 |
| Net loans and leases to total assets | 75.2635% | 2,378 |
| Net loans and leases to deposits | 87.9512% | 3,184 |
| Net loans and leases to core deposits | 104.8972% | 3,967 |
| Total domestic deposits to total assets | 85.5741% | 2,979 |
| Equity capital to assets | 13.8920% | 1,343 |
| Core capital (leverage) ratio | 13.8763% | 1,169 |
| Tier 1 risk-based capital ratio | 16.8615% | 2,339 |
| Total risk-based capital ratio | 17.6265% | 2,441 |
| Memoranda: | ||
| Average total assets | $58,551,330 | 6,494 |
| Average earning assets | $50,623,670 | 6,607 |
| Average equity | $8,046,330 | 6,006 |
| Average total loans | $43,796,330 | 6,031 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8063% | 477 |
| Cost of funding earning assets | 1.8570% | 4,841 |
| Net interest margin | 4.9494% | 456 |
| Noninterest income to average assets | 0.9359% | 1,712 |
| Noninterest expense to average assets | 4.3877% | 802 |
| Loan and lease loss provision to assets | 0.2034% | 4,412 |
| Net operating income to assets | 0.0692% | 6,071 |
| Return on assets (ROA) | 0.4815% | 4,699 |
| Pretax return on assets | 1.3089% | 2,253 |
| Return on Equity (ROE) | 3.5225% | 5,159 |
| Retained earnings to average equity (ytd only) | -2.9271% | 6,262 |
| Net charge-offs to loans | 0.6849% | 1,815 |
| Credit loss provision to net charge-offs | 40.0000% | 4,820 |
| Earnings coverage of net charge-offs (x) | 1.7067% | 3,874 |
| Efficiency ratio | 83.4839% | 2,360 |
| Assets per employee ($millions) | 1.7772% | 8,028 |
| Cash dividends to net income (ytd only)* | 183.0986% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8533% | 6,953 |
| Loan loss allowance to noncurrent loans | 33.6957% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 3.0231% | 1,863 |
| Noncurrent loans to loans | 2.5323% | 2,604 |
| Net loans and leases to total assets | 73.7024% | 2,830 |
| Net loans and leases to deposits | 85.6891% | 3,686 |
| Net loans and leases to core deposits | 100.8728% | 4,451 |
| Total domestic deposits to total assets | 86.0115% | 2,713 |
| Equity capital to assets | 13.6663% | 1,473 |
| Core capital (leverage) ratio | 13.2907% | 1,387 |
| Tier 1 risk-based capital ratio | 16.5846% | 2,483 |
| Total risk-based capital ratio | 17.3479% | 2,595 |
| Memoranda: | ||
| Average total assets | $58,983,000 | 6,508 |
| Average earning assets | $51,481,500 | 6,598 |
| Average equity | $8,062,500 | 6,036 |
| Average total loans | $43,801,000 | 6,066 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1486% | 815 |
| Cost of funding earning assets | 2.3952% | 4,734 |
| Net interest margin | 4.7534% | 859 |
| Noninterest income to average assets | 0.8645% | 2,138 |
| Noninterest expense to average assets | 4.2826% | 1,066 |
| Loan and lease loss provision to assets | 0.1203% | 5,824 |
| Net operating income to assets | 0.5668% | 4,455 |
| Return on assets (ROA) | 0.5726% | 4,292 |
| Pretax return on assets | 0.7988% | 4,078 |
| Return on Equity (ROE) | 4.4940% | 4,603 |
| Retained earnings to average equity (ytd only) | 2.8575% | 3,399 |
| Net charge-offs to loans | -0.0218% | 7,937 |
| Credit loss provision to net charge-offs | -750.0000% | 7,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4583% | 2,244 |
| Assets per employee ($millions) | 1.7446% | 8,074 |
| Cash dividends to net income (ytd only)* | 36.4146% | 3,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9476% | 6,408 |
| Loan loss allowance to noncurrent loans | 49.8804% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 2.5372% | 1,911 |
| Noncurrent loans to loans | 1.8998% | 2,901 |
| Net loans and leases to total assets | 73.4819% | 3,233 |
| Net loans and leases to deposits | 85.3061% | 4,209 |
| Net loans and leases to core deposits | 109.7547% | 3,799 |
| Total domestic deposits to total assets | 86.1391% | 2,340 |
| Equity capital to assets | 13.6721% | 1,543 |
| Core capital (leverage) ratio | 12.9494% | 1,559 |
| Tier 1 risk-based capital ratio | 17.7128% | 2,116 |
| Total risk-based capital ratio | 18.6201% | 2,162 |
| Memoranda: | ||
| Average total assets | $62,345,600 | 6,305 |
| Average earning assets | $56,780,000 | 6,309 |
| Average equity | $7,944,000 | 6,105 |
| Average total loans | $45,810,400 | 5,885 |