Home > The Peoples Savings Bank > Performance and Condition Ratios
The Peoples Savings 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 | 4.8317% | 2,410 |
| Cost of funding earning assets | 1.2041% | 2,791 |
| Net interest margin | 3.6277% | 1,908 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 3.0631% | 1,023 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.4568% | 3,754 |
| Return on assets (ROA) | 0.4605% | 3,746 |
| Pretax return on assets | 0.5911% | 3,651 |
| Return on Equity (ROE) | 5.4300% | 3,637 |
| Retained earnings to average equity (ytd only) | 5.4300% | 2,427 |
| Net charge-offs to loans | 0.0249% | 1,818 |
| Credit loss provision to net charge-offs | 287.0968% | 986 |
| Earnings coverage of net charge-offs (x) | 30.2581% | 1,632 |
| Efficiency ratio | 82.9082% | 728 |
| Assets per employee ($millions) | 5.1931% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8997% | 3,707 |
| Loan loss allowance to noncurrent loans | 107.2544% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.7231% | 716 |
| Noncurrent loans to loans | 0.8389% | 917 |
| Net loans and leases to total assets | 85.4200% | 185 |
| Net loans and leases to deposits | 98.9828% | 597 |
| Net loans and leases to core deposits | 107.5230% | 1,050 |
| Total domestic deposits to total assets | 86.3000% | 1,914 |
| Equity capital to assets | 8.8759% | 2,766 |
| Core capital (leverage) ratio | 10.1918% | 2,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $148,540,800 | 3,377 |
| Average earning assets | $141,688,200 | 3,330 |
| Average equity | $12,596,600 | 3,479 |
| Average total loans | $124,455,600 | 2,911 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7548% | 2,362 |
| Cost of funding earning assets | 1.1074% | 2,719 |
| Net interest margin | 3.6474% | 1,892 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.9219% | 1,190 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.5860% | 3,577 |
| Return on assets (ROA) | 0.5882% | 3,562 |
| Pretax return on assets | 0.7422% | 3,467 |
| Return on Equity (ROE) | 7.0200% | 3,425 |
| Retained earnings to average equity (ytd only) | 7.0191% | 2,280 |
| Net charge-offs to loans | 0.0217% | 1,670 |
| Credit loss provision to net charge-offs | 275.0000% | 934 |
| Earnings coverage of net charge-offs (x) | 43.8000% | 1,397 |
| Efficiency ratio | 78.7379% | 952 |
| Assets per employee ($millions) | 4.9341% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 3,730 |
| Loan loss allowance to noncurrent loans | 95.8996% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 690 |
| Noncurrent loans to loans | 0.9401% | 875 |
| Net loans and leases to total assets | 85.1000% | 205 |
| Net loans and leases to deposits | 97.2950% | 653 |
| Net loans and leases to core deposits | 105.6675% | 1,034 |
| Total domestic deposits to total assets | 87.4600% | 1,756 |
| Equity capital to assets | 8.7709% | 2,553 |
| Core capital (leverage) ratio | 10.2567% | 2,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $148,026,250 | 3,394 |
| Average earning assets | $140,991,000 | 3,344 |
| Average equity | $12,404,000 | 3,487 |
| Average total loans | $123,115,500 | 2,922 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6937% | 2,222 |
| Cost of funding earning assets | 1.0015% | 2,599 |
| Net interest margin | 3.6922% | 1,830 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.9630% | 1,099 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.5650% | 3,667 |
| Return on assets (ROA) | 0.5661% | 3,673 |
| Pretax return on assets | 0.7147% | 3,573 |
| Return on Equity (ROE) | 6.8600% | 3,511 |
| Retained earnings to average equity (ytd only) | 6.8627% | 2,333 |
| Net charge-offs to loans | 0.0181% | 1,548 |
| Credit loss provision to net charge-offs | 500.0000% | 646 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 1,255 |
| Efficiency ratio | 78.9986% | 914 |
| Assets per employee ($millions) | 5.1971% | 3,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 3,673 |
| Loan loss allowance to noncurrent loans | 95.0617% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.8349% | 607 |
| Noncurrent loans to loans | 0.9839% | 771 |
| Net loans and leases to total assets | 84.0600% | 270 |
| Net loans and leases to deposits | 96.4952% | 704 |
| Net loans and leases to core deposits | 103.1077% | 1,087 |
| Total domestic deposits to total assets | 87.1200% | 1,892 |
| Equity capital to assets | 8.9171% | 2,574 |
| Core capital (leverage) ratio | 10.1023% | 2,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $148,027,000 | 3,396 |
| Average earning assets | $140,783,333 | 3,357 |
| Average equity | $12,211,000 | 3,520 |
| Average total loans | $121,784,667 | 2,924 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5228% | 2,264 |
| Cost of funding earning assets | 0.8967% | 2,381 |
| Net interest margin | 3.6261% | 2,068 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.8269% | 1,379 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.5847% | 3,719 |
| Return on assets (ROA) | 0.5868% | 3,682 |
| Pretax return on assets | 0.7395% | 3,588 |
| Return on Equity (ROE) | 7.4100% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.4058% | 2,390 |
| Net charge-offs to loans | 0.0033% | 1,888 |
| Credit loss provision to net charge-offs | 4,500.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 320.0000% | 352 |
| Efficiency ratio | 76.7273% | 1,106 |
| Assets per employee ($millions) | 5.2094% | 3,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 3,693 |
| Loan loss allowance to noncurrent loans | 85.2399% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.8969% | 500 |
| Noncurrent loans to loans | 1.1222% | 633 |
| Net loans and leases to total assets | 79.1600% | 624 |
| Net loans and leases to deposits | 90.6043% | 1,004 |
| Net loans and leases to core deposits | 94.8339% | 1,338 |
| Total domestic deposits to total assets | 87.3700% | 2,147 |
| Equity capital to assets | 8.4688% | 2,919 |
| Core capital (leverage) ratio | 9.9999% | 2,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $149,281,500 | 3,432 |
| Average earning assets | $141,858,500 | 3,392 |
| Average equity | $11,828,500 | 3,585 |
| Average total loans | $120,936,000 | 2,966 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1696% | 1,310 |
| Cost of funding earning assets | 0.5588% | 1,070 |
| Net interest margin | 3.6108% | 1,617 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.8855% | 1,147 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.7098% | 3,592 |
| Return on assets (ROA) | 0.7059% | 3,550 |
| Pretax return on assets | 0.8507% | 3,488 |
| Return on Equity (ROE) | 9.5200% | 2,963 |
| Retained earnings to average equity (ytd only) | 9.5240% | 1,307 |
| Net charge-offs to loans | 0.0424% | 1,269 |
| Credit loss provision to net charge-offs | 195.9184% | 1,138 |
| Earnings coverage of net charge-offs (x) | 27.8776% | 1,721 |
| Efficiency ratio | 75.8230% | 1,030 |
| Assets per employee ($millions) | 5.2675% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 3,753 |
| Loan loss allowance to noncurrent loans | 69.8980% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.0631% | 399 |
| Noncurrent loans to loans | 1.2946% | 529 |
| Net loans and leases to total assets | 81.3800% | 467 |
| Net loans and leases to deposits | 93.6715% | 806 |
| Net loans and leases to core deposits | 99.2041% | 1,044 |
| Total domestic deposits to total assets | 86.8800% | 2,430 |
| Equity capital to assets | 7.3652% | 3,459 |
| Core capital (leverage) ratio | 9.4949% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $148,465,000 | 3,457 |
| Average earning assets | $139,581,000 | 3,421 |
| Average equity | $11,003,800 | 3,758 |
| Average total loans | $115,474,600 | 2,971 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0169% | 1,237 |
| Cost of funding earning assets | 0.5129% | 709 |
| Net interest margin | 3.5041% | 1,653 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.8377% | 1,177 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.7191% | 3,513 |
| Return on assets (ROA) | 0.7146% | 3,474 |
| Pretax return on assets | 0.8491% | 3,474 |
| Return on Equity (ROE) | 9.6300% | 2,836 |
| Retained earnings to average equity (ytd only) | 9.6262% | 1,452 |
| Net charge-offs to loans | 0.0912% | 676 |
| Credit loss provision to net charge-offs | 92.3077% | 1,366 |
| Earnings coverage of net charge-offs (x) | 13.1410% | 1,894 |
| Efficiency ratio | 75.5370% | 1,119 |
| Assets per employee ($millions) | 5.3457% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8838% | 3,906 |
| Loan loss allowance to noncurrent loans | 81.1673% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.8585% | 574 |
| Noncurrent loans to loans | 1.0889% | 690 |
| Net loans and leases to total assets | 78.1400% | 694 |
| Net loans and leases to deposits | 89.8260% | 899 |
| Net loans and leases to core deposits | 93.3048% | 1,129 |
| Total domestic deposits to total assets | 86.9900% | 2,764 |
| Equity capital to assets | 7.0370% | 3,495 |
| Core capital (leverage) ratio | 9.4912% | 3,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $148,708,500 | 3,481 |
| Average earning assets | $139,605,750 | 3,449 |
| Average equity | $11,039,000 | 3,806 |
| Average total loans | $114,062,750 | 2,995 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9279% | 1,059 |
| Cost of funding earning assets | 0.5252% | 448 |
| Net interest margin | 3.4026% | 1,598 |
| Noninterest income to average assets | 0.5850% | 1,805 |
| Noninterest expense to average assets | 3.0569% | 780 |
| Loan and lease loss provision to assets | 0.0647% | 1,443 |
| Net operating income to assets | 0.5868% | 3,665 |
| Return on assets (ROA) | 0.5796% | 3,626 |
| Pretax return on assets | 0.6510% | 3,712 |
| Return on Equity (ROE) | 7.6733% | 3,109 |
| Retained earnings to average equity (ytd only) | 7.6733% | 1,740 |
| Net charge-offs to loans | 0.0710% | 739 |
| Credit loss provision to net charge-offs | 120.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 13.4250% | 1,689 |
| Efficiency ratio | 80.8556% | 881 |
| Assets per employee ($millions) | 5.5393% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 3,937 |
| Loan loss allowance to noncurrent loans | 96.4416% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.7328% | 731 |
| Noncurrent loans to loans | 0.9382% | 893 |
| Net loans and leases to total assets | 77.4057% | 608 |
| Net loans and leases to deposits | 89.4555% | 753 |
| Net loans and leases to core deposits | 94.6962% | 884 |
| Total domestic deposits to total assets | 86.5298% | 3,101 |
| Equity capital to assets | 6.9444% | 3,800 |
| Core capital (leverage) ratio | 9.1738% | 3,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,384,667 | 3,518 |
| Average earning assets | $139,363,000 | 3,498 |
| Average equity | $11,207,667 | 3,864 |
| Average total loans | $112,747,333 | 3,034 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6947% | 1,285 |
| Cost of funding earning assets | 0.5627% | 342 |
| Net interest margin | 3.1321% | 2,078 |
| Noninterest income to average assets | 1.5191% | 349 |
| Noninterest expense to average assets | 3.9410% | 289 |
| Loan and lease loss provision to assets | 0.0649% | 1,257 |
| Net operating income to assets | 0.5055% | 3,701 |
| Return on assets (ROA) | 0.4487% | 3,813 |
| Pretax return on assets | 0.4054% | 4,023 |
| Return on Equity (ROE) | 5.9474% | 3,358 |
| Retained earnings to average equity (ytd only) | 5.9474% | 2,269 |
| Net charge-offs to loans | 0.1192% | 456 |
| Credit loss provision to net charge-offs | 72.7273% | 1,127 |
| Earnings coverage of net charge-offs (x) | 5.9091% | 1,585 |
| Efficiency ratio | 88.2033% | 624 |
| Assets per employee ($millions) | 5.8047% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 3,983 |
| Loan loss allowance to noncurrent loans | 72.2724% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.0065% | 498 |
| Noncurrent loans to loans | 1.2758% | 685 |
| Net loans and leases to total assets | 74.0480% | 656 |
| Net loans and leases to deposits | 86.9113% | 680 |
| Net loans and leases to core deposits | 91.6625% | 831 |
| Total domestic deposits to total assets | 85.1995% | 3,499 |
| Equity capital to assets | 7.4483% | 3,965 |
| Core capital (leverage) ratio | 9.2606% | 3,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,984,000 | 3,531 |
| Average earning assets | $139,333,500 | 3,508 |
| Average equity | $11,164,500 | 3,940 |
| Average total loans | $110,708,500 | 3,055 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8877% | 1,647 |
| Cost of funding earning assets | 0.7425% | 267 |
| Net interest margin | 3.1452% | 2,749 |
| Noninterest income to average assets | 0.2423% | 3,924 |
| Noninterest expense to average assets | 2.9298% | 1,096 |
| Loan and lease loss provision to assets | 0.0855% | 1,438 |
| Net operating income to assets | 0.1902% | 4,548 |
| Return on assets (ROA) | 0.1781% | 4,571 |
| Pretax return on assets | 0.2209% | 4,560 |
| Return on Equity (ROE) | 2.2773% | 4,470 |
| Retained earnings to average equity (ytd only) | 2.2773% | 3,900 |
| Net charge-offs to loans | 0.1170% | 772 |
| Credit loss provision to net charge-offs | 101.6949% | 1,774 |
| Earnings coverage of net charge-offs (x) | 3.8220% | 2,522 |
| Efficiency ratio | 90.1162% | 327 |
| Assets per employee ($millions) | 5.1803% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 3,891 |
| Loan loss allowance to noncurrent loans | 73.1520% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.0438% | 511 |
| Noncurrent loans to loans | 1.3202% | 709 |
| Net loans and leases to total assets | 74.1649% | 652 |
| Net loans and leases to deposits | 88.0361% | 651 |
| Net loans and leases to core deposits | 93.0289% | 826 |
| Total domestic deposits to total assets | 84.2437% | 3,492 |
| Equity capital to assets | 7.6444% | 4,535 |
| Core capital (leverage) ratio | 9.4721% | 2,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,349,000 | 3,578 |
| Average earning assets | $134,270,000 | 3,532 |
| Average equity | $10,977,800 | 4,038 |
| Average total loans | $100,839,200 | 3,184 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9073% | 1,736 |
| Cost of funding earning assets | 0.7771% | 272 |
| Net interest margin | 3.1303% | 2,963 |
| Noninterest income to average assets | 0.2424% | 3,945 |
| Noninterest expense to average assets | 2.8673% | 1,195 |
| Loan and lease loss provision to assets | 0.0920% | 1,297 |
| Net operating income to assets | 0.2230% | 4,606 |
| Return on assets (ROA) | 0.2069% | 4,642 |
| Pretax return on assets | 0.2577% | 4,625 |
| Return on Equity (ROE) | 2.6300% | 4,512 |
| Retained earnings to average equity (ytd only) | 2.6300% | 4,023 |
| Net charge-offs to loans | 0.1766% | 492 |
| Credit loss provision to net charge-offs | 73.2824% | 1,742 |
| Earnings coverage of net charge-offs (x) | 2.9466% | 2,332 |
| Efficiency ratio | 88.5765% | 359 |
| Assets per employee ($millions) | 5.3217% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 3,951 |
| Loan loss allowance to noncurrent loans | 72.5968% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.9702% | 693 |
| Noncurrent loans to loans | 1.3325% | 804 |
| Net loans and leases to total assets | 72.1039% | 865 |
| Net loans and leases to deposits | 86.4231% | 805 |
| Net loans and leases to core deposits | 91.4866% | 947 |
| Total domestic deposits to total assets | 83.4313% | 3,601 |
| Equity capital to assets | 7.7070% | 4,648 |
| Core capital (leverage) ratio | 9.5511% | 2,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,174,500 | 3,633 |
| Average earning assets | $133,147,500 | 3,581 |
| Average equity | $10,950,250 | 4,095 |
| Average total loans | $98,893,250 | 3,257 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8892% | 1,843 |
| Cost of funding earning assets | 0.8170% | 273 |
| Net interest margin | 3.0722% | 3,112 |
| Noninterest income to average assets | 0.2455% | 3,929 |
| Noninterest expense to average assets | 2.8009% | 1,353 |
| Loan and lease loss provision to assets | 0.1046% | 1,204 |
| Net operating income to assets | 0.2243% | 4,610 |
| Return on assets (ROA) | 0.2092% | 4,639 |
| Pretax return on assets | 0.2600% | 4,624 |
| Return on Equity (ROE) | 2.6400% | 4,533 |
| Retained earnings to average equity (ytd only) | 2.6400% | 3,959 |
| Net charge-offs to loans | 0.2701% | 328 |
| Credit loss provision to net charge-offs | 54.9618% | 1,581 |
| Earnings coverage of net charge-offs (x) | 2.0153% | 2,150 |
| Efficiency ratio | 87.9562% | 399 |
| Assets per employee ($millions) | 5.2114% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 3,805 |
| Loan loss allowance to noncurrent loans | 67.9038% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.0341% | 719 |
| Noncurrent loans to loans | 1.4805% | 770 |
| Net loans and leases to total assets | 69.1423% | 1,305 |
| Net loans and leases to deposits | 82.8893% | 1,137 |
| Net loans and leases to core deposits | 89.7458% | 1,156 |
| Total domestic deposits to total assets | 83.4152% | 3,601 |
| Equity capital to assets | 7.8070% | 4,629 |
| Core capital (leverage) ratio | 9.5353% | 2,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,670,333 | 3,658 |
| Average earning assets | $131,698,000 | 3,608 |
| Average equity | $10,909,000 | 4,108 |
| Average total loans | $96,985,667 | 3,296 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8808% | 1,878 |
| Cost of funding earning assets | 0.8382% | 297 |
| Net interest margin | 3.0426% | 3,156 |
| Noninterest income to average assets | 0.2644% | 3,815 |
| Noninterest expense to average assets | 2.8791% | 1,199 |
| Loan and lease loss provision to assets | 0.1234% | 1,114 |
| Net operating income to assets | 0.1418% | 4,676 |
| Return on assets (ROA) | 0.1322% | 4,705 |
| Pretax return on assets | 0.1616% | 4,697 |
| Return on Equity (ROE) | 1.6558% | 4,645 |
| Retained earnings to average equity (ytd only) | 1.6558% | 4,082 |
| Net charge-offs to loans | 0.5439% | 146 |
| Credit loss provision to net charge-offs | 32.0611% | 1,379 |
| Earnings coverage of net charge-offs (x) | 0.7710% | 1,876 |
| Efficiency ratio | 90.6568% | 352 |
| Assets per employee ($millions) | 4.9254% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 3,862 |
| Loan loss allowance to noncurrent loans | 59.6885% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.1638% | 647 |
| Noncurrent loans to loans | 1.6653% | 723 |
| Net loans and leases to total assets | 69.1922% | 1,392 |
| Net loans and leases to deposits | 83.7448% | 1,179 |
| Net loans and leases to core deposits | 90.6184% | 1,189 |
| Total domestic deposits to total assets | 82.6227% | 3,779 |
| Equity capital to assets | 7.8965% | 4,546 |
| Core capital (leverage) ratio | 9.4967% | 3,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,152,000 | 3,680 |
| Average earning assets | $130,284,000 | 3,630 |
| Average equity | $10,871,000 | 4,124 |
| Average total loans | $96,340,500 | 3,318 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5749% | 1,144 |
| Cost of funding earning assets | 1.0451% | 503 |
| Net interest margin | 3.5299% | 2,374 |
| Noninterest income to average assets | 0.3180% | 3,562 |
| Noninterest expense to average assets | 3.1846% | 1,084 |
| Loan and lease loss provision to assets | 0.0851% | 3,309 |
| Net operating income to assets | 0.3305% | 4,390 |
| Return on assets (ROA) | 0.3404% | 4,438 |
| Pretax return on assets | 0.4240% | 4,382 |
| Return on Equity (ROE) | 4.4058% | 4,057 |
| Retained earnings to average equity (ytd only) | 4.4058% | 2,589 |
| Net charge-offs to loans | 0.0559% | 1,980 |
| Credit loss provision to net charge-offs | 189.6552% | 2,210 |
| Earnings coverage of net charge-offs (x) | 11.0690% | 2,419 |
| Efficiency ratio | 86.5069% | 512 |
| Assets per employee ($millions) | 4.7998% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 3,522 |
| Loan loss allowance to noncurrent loans | 50.6286% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.5388% | 466 |
| Noncurrent loans to loans | 2.1475% | 508 |
| Net loans and leases to total assets | 70.8759% | 1,446 |
| Net loans and leases to deposits | 86.7980% | 1,189 |
| Net loans and leases to core deposits | 95.2149% | 1,169 |
| Total domestic deposits to total assets | 81.6562% | 3,737 |
| Equity capital to assets | 8.0748% | 4,672 |
| Core capital (leverage) ratio | 10.0458% | 2,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,246,400 | 3,637 |
| Average earning assets | $123,149,600 | 3,595 |
| Average equity | $9,986,800 | 4,196 |
| Average total loans | $103,700,000 | 3,185 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6409% | 1,202 |
| Cost of funding earning assets | 1.0759% | 582 |
| Net interest margin | 3.5649% | 2,379 |
| Noninterest income to average assets | 0.3074% | 3,651 |
| Noninterest expense to average assets | 3.2207% | 1,037 |
| Loan and lease loss provision to assets | 0.0836% | 3,268 |
| Net operating income to assets | 0.3193% | 4,412 |
| Return on assets (ROA) | 0.3584% | 4,401 |
| Pretax return on assets | 0.4460% | 4,378 |
| Return on Equity (ROE) | 4.6943% | 3,970 |
| Retained earnings to average equity (ytd only) | 4.6943% | 2,695 |
| Net charge-offs to loans | 0.0265% | 2,307 |
| Credit loss provision to net charge-offs | 380.9524% | 1,518 |
| Earnings coverage of net charge-offs (x) | 21.9524% | 1,847 |
| Efficiency ratio | 87.0214% | 458 |
| Assets per employee ($millions) | 4.4348% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 3,551 |
| Loan loss allowance to noncurrent loans | 50.2623% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.5762% | 523 |
| Noncurrent loans to loans | 2.0542% | 589 |
| Net loans and leases to total assets | 75.9371% | 1,105 |
| Net loans and leases to deposits | 93.9254% | 930 |
| Net loans and leases to core deposits | 103.0372% | 979 |
| Total domestic deposits to total assets | 80.8483% | 3,693 |
| Equity capital to assets | 7.4803% | 4,862 |
| Core capital (leverage) ratio | 10.0185% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,959,500 | 3,642 |
| Average earning assets | $121,812,750 | 3,594 |
| Average equity | $9,770,500 | 4,232 |
| Average total loans | $105,550,000 | 3,163 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7541% | 1,271 |
| Cost of funding earning assets | 1.1157% | 677 |
| Net interest margin | 3.6385% | 2,351 |
| Noninterest income to average assets | 0.3485% | 3,391 |
| Noninterest expense to average assets | 3.3089% | 984 |
| Loan and lease loss provision to assets | 0.0792% | 3,303 |
| Net operating income to assets | 0.3411% | 4,348 |
| Return on assets (ROA) | 0.3706% | 4,347 |
| Pretax return on assets | 0.4578% | 4,320 |
| Return on Equity (ROE) | 4.8198% | 3,882 |
| Retained earnings to average equity (ytd only) | 4.8198% | 2,560 |
| Net charge-offs to loans | 0.0300% | 2,119 |
| Credit loss provision to net charge-offs | 312.5000% | 1,586 |
| Earnings coverage of net charge-offs (x) | 19.7500% | 1,706 |
| Efficiency ratio | 86.8607% | 502 |
| Assets per employee ($millions) | 4.9933% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9819% | 3,659 |
| Loan loss allowance to noncurrent loans | 40.3213% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 2.0057% | 352 |
| Noncurrent loans to loans | 2.4352% | 492 |
| Net loans and leases to total assets | 79.9271% | 602 |
| Net loans and leases to deposits | 99.7050% | 569 |
| Net loans and leases to core deposits | 109.2457% | 764 |
| Total domestic deposits to total assets | 80.1636% | 3,800 |
| Equity capital to assets | 7.5801% | 4,857 |
| Core capital (leverage) ratio | 9.9999% | 2,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,265,000 | 3,642 |
| Average earning assets | $120,105,667 | 3,600 |
| Average equity | $9,710,000 | 4,253 |
| Average total loans | $106,705,667 | 3,144 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8868% | 1,223 |
| Cost of funding earning assets | 1.1643% | 863 |
| Net interest margin | 3.7224% | 2,254 |
| Noninterest income to average assets | 0.4788% | 2,658 |
| Noninterest expense to average assets | 3.5089% | 924 |
| Loan and lease loss provision to assets | 0.0739% | 2,811 |
| Net operating income to assets | 0.3502% | 4,244 |
| Return on assets (ROA) | 0.3502% | 4,275 |
| Pretax return on assets | 0.4402% | 4,221 |
| Return on Equity (ROE) | 4.5207% | 3,812 |
| Retained earnings to average equity (ytd only) | 4.5207% | 2,492 |
| Net charge-offs to loans | 0.0334% | 1,729 |
| Credit loss provision to net charge-offs | 255.5556% | 1,272 |
| Earnings coverage of net charge-offs (x) | 17.7778% | 1,484 |
| Efficiency ratio | 87.2204% | 620 |
| Assets per employee ($millions) | 4.6204% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9402% | 3,970 |
| Loan loss allowance to noncurrent loans | 41.5056% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.9904% | 422 |
| Noncurrent loans to loans | 2.2654% | 566 |
| Net loans and leases to total assets | 85.2128% | 186 |
| Net loans and leases to deposits | 108.6665% | 209 |
| Net loans and leases to core deposits | 119.8212% | 473 |
| Total domestic deposits to total assets | 78.4168% | 4,152 |
| Equity capital to assets | 7.7683% | 5,007 |
| Core capital (leverage) ratio | 10.3141% | 3,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,484,000 | 3,642 |
| Average earning assets | $118,524,500 | 3,596 |
| Average equity | $9,644,500 | 4,277 |
| Average total loans | $107,660,500 | 3,112 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2172% | 956 |
| Cost of funding earning assets | 1.1382% | 1,200 |
| Net interest margin | 4.0789% | 1,596 |
| Noninterest income to average assets | 0.2488% | 4,187 |
| Noninterest expense to average assets | 3.4771% | 998 |
| Loan and lease loss provision to assets | 0.0982% | 2,086 |
| Net operating income to assets | 0.4518% | 4,503 |
| Return on assets (ROA) | 0.4518% | 4,538 |
| Pretax return on assets | 0.5689% | 4,466 |
| Return on Equity (ROE) | 5.3529% | 4,120 |
| Retained earnings to average equity (ytd only) | 5.3529% | 2,247 |
| Net charge-offs to loans | 0.0529% | 2,352 |
| Credit loss provision to net charge-offs | 206.8966% | 1,284 |
| Earnings coverage of net charge-offs (x) | 14.0517% | 2,307 |
| Efficiency ratio | 83.9028% | 659 |
| Assets per employee ($millions) | 4.6007% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 3,873 |
| Loan loss allowance to noncurrent loans | 44.4792% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.8009% | 486 |
| Noncurrent loans to loans | 2.0711% | 610 |
| Net loans and leases to total assets | 86.1502% | 157 |
| Net loans and leases to deposits | 110.8850% | 174 |
| Net loans and leases to core deposits | 121.6331% | 436 |
| Total domestic deposits to total assets | 77.6932% | 4,408 |
| Equity capital to assets | 7.7267% | 5,091 |
| Core capital (leverage) ratio | 10.3083% | 3,182 |
| Tier 1 risk-based capital ratio | 15.7649% | 2,486 |
| Total risk-based capital ratio | 17.0139% | 2,419 |
| Memoranda: | ||
| Average total assets | $122,170,000 | 3,664 |
| Average earning assets | $116,672,600 | 3,609 |
| Average equity | $10,312,200 | 4,198 |
| Average total loans | $109,642,000 | 3,097 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2135% | 1,018 |
| Cost of funding earning assets | 1.1227% | 1,266 |
| Net interest margin | 4.0907% | 1,641 |
| Noninterest income to average assets | 0.2531% | 4,225 |
| Noninterest expense to average assets | 3.5132% | 928 |
| Loan and lease loss provision to assets | 0.0986% | 1,946 |
| Net operating income to assets | 0.4360% | 4,648 |
| Return on assets (ROA) | 0.4360% | 4,681 |
| Pretax return on assets | 0.5488% | 4,625 |
| Return on Equity (ROE) | 4.9410% | 4,345 |
| Retained earnings to average equity (ytd only) | 4.9410% | 2,918 |
| Net charge-offs to loans | 0.0448% | 2,196 |
| Credit loss provision to net charge-offs | 243.2432% | 1,118 |
| Earnings coverage of net charge-offs (x) | 15.9736% | 2,156 |
| Efficiency ratio | 84.4392% | 585 |
| Assets per employee ($millions) | 4.3141% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 4,030 |
| Loan loss allowance to noncurrent loans | 40.8789% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 2.0530% | 416 |
| Noncurrent loans to loans | 2.2082% | 576 |
| Net loans and leases to total assets | 89.6073% | 49 |
| Net loans and leases to deposits | 116.8642% | 116 |
| Net loans and leases to core deposits | 128.6803% | 316 |
| Total domestic deposits to total assets | 76.6764% | 4,562 |
| Equity capital to assets | 9.0707% | 4,744 |
| Core capital (leverage) ratio | 10.0756% | 3,557 |
| Tier 1 risk-based capital ratio | 15.3552% | 2,684 |
| Total risk-based capital ratio | 16.5988% | 2,625 |
| Memoranda: | ||
| Average total assets | $121,710,750 | 3,706 |
| Average earning assets | $116,260,000 | 3,650 |
| Average equity | $10,739,750 | 4,194 |
| Average total loans | $110,050,250 | 3,124 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1476% | 1,116 |
| Cost of funding earning assets | 1.0871% | 1,347 |
| Net interest margin | 4.0605% | 1,725 |
| Noninterest income to average assets | 0.2541% | 4,235 |
| Noninterest expense to average assets | 3.4914% | 971 |
| Loan and lease loss provision to assets | 0.0983% | 1,900 |
| Net operating income to assets | 0.4327% | 4,667 |
| Return on assets (ROA) | 0.4327% | 4,692 |
| Pretax return on assets | 0.5458% | 4,634 |
| Return on Equity (ROE) | 4.9497% | 4,355 |
| Retained earnings to average equity (ytd only) | 4.9497% | 2,790 |
| Net charge-offs to loans | -0.0145% | 4,441 |
| Credit loss provision to net charge-offs | -750.0000% | 4,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4233% | 626 |
| Assets per employee ($millions) | 4.2419% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9148% | 4,031 |
| Loan loss allowance to noncurrent loans | 39.9601% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 2.0363% | 450 |
| Noncurrent loans to loans | 2.2893% | 572 |
| Net loans and leases to total assets | 88.1372% | 110 |
| Net loans and leases to deposits | 114.5009% | 134 |
| Net loans and leases to core deposits | 125.3506% | 407 |
| Total domestic deposits to total assets | 76.9752% | 4,565 |
| Equity capital to assets | 8.7884% | 4,906 |
| Core capital (leverage) ratio | 9.8907% | 3,713 |
| Tier 1 risk-based capital ratio | 15.1263% | 2,779 |
| Total risk-based capital ratio | 16.3750% | 2,708 |
| Memoranda: | ||
| Average total assets | $122,015,670 | 3,726 |
| Average earning assets | $116,637,000 | 3,667 |
| Average equity | $10,667,330 | 4,216 |
| Average total loans | $110,324,330 | 3,128 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1297% | 1,045 |
| Cost of funding earning assets | 1.0459% | 1,390 |
| Net interest margin | 4.0838% | 1,597 |
| Noninterest income to average assets | 0.2535% | 4,196 |
| Noninterest expense to average assets | 3.5683% | 877 |
| Loan and lease loss provision to assets | 0.0988% | 1,771 |
| Net operating income to assets | 0.3917% | 4,751 |
| Return on assets (ROA) | 0.3917% | 4,764 |
| Pretax return on assets | 0.4938% | 4,703 |
| Return on Equity (ROE) | 4.4925% | 4,470 |
| Retained earnings to average equity (ytd only) | 4.4925% | 3,126 |
| Net charge-offs to loans | -0.0181% | 4,447 |
| Credit loss provision to net charge-offs | -600.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7595% | 599 |
| Assets per employee ($millions) | 4.2044% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8771% | 4,253 |
| Loan loss allowance to noncurrent loans | 35.8651% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 2.2136% | 395 |
| Noncurrent loans to loans | 2.4455% | 542 |
| Net loans and leases to total assets | 89.7225% | 55 |
| Net loans and leases to deposits | 118.0936% | 101 |
| Net loans and leases to core deposits | 129.5010% | 314 |
| Total domestic deposits to total assets | 75.9758% | 4,763 |
| Equity capital to assets | 8.7462% | 4,856 |
| Core capital (leverage) ratio | 9.9066% | 3,703 |
| Tier 1 risk-based capital ratio | 14.8117% | 2,955 |
| Total risk-based capital ratio | 16.0171% | 2,916 |
| Memoranda: | ||
| Average total assets | $121,516,000 | 3,775 |
| Average earning assets | $116,263,000 | 3,709 |
| Average equity | $10,595,500 | 4,252 |
| Average total loans | $110,775,000 | 3,153 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1040% | 840 |
| Cost of funding earning assets | 0.8897% | 1,138 |
| Net interest margin | 4.2143% | 1,363 |
| Noninterest income to average assets | 0.2694% | 4,304 |
| Noninterest expense to average assets | 3.5515% | 928 |
| Loan and lease loss provision to assets | 0.1013% | 2,165 |
| Net operating income to assets | 0.5033% | 4,657 |
| Return on assets (ROA) | 0.5033% | 4,659 |
| Pretax return on assets | 0.6324% | 4,573 |
| Return on Equity (ROE) | 5.7055% | 4,266 |
| Retained earnings to average equity (ytd only) | 5.7055% | 2,356 |
| Net charge-offs to loans | 0.1075% | 1,668 |
| Credit loss provision to net charge-offs | 104.3478% | 2,438 |
| Earnings coverage of net charge-offs (x) | 7.5565% | 2,982 |
| Efficiency ratio | 82.8768% | 717 |
| Assets per employee ($millions) | 4.0368% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8391% | 4,397 |
| Loan loss allowance to noncurrent loans | 40.2502% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.9330% | 511 |
| Noncurrent loans to loans | 2.0848% | 638 |
| Net loans and leases to total assets | 91.0392% | 41 |
| Net loans and leases to deposits | 116.8739% | 136 |
| Net loans and leases to core deposits | 127.4262% | 366 |
| Total domestic deposits to total assets | 77.8952% | 4,509 |
| Equity capital to assets | 8.6925% | 4,806 |
| Core capital (leverage) ratio | 10.0572% | 3,515 |
| Tier 1 risk-based capital ratio | 15.0901% | 2,790 |
| Total risk-based capital ratio | 16.2857% | 2,747 |
| Memoranda: | ||
| Average total assets | $118,429,400 | 3,814 |
| Average earning assets | $112,852,600 | 3,761 |
| Average equity | $10,446,000 | 4,243 |
| Average total loans | $106,941,200 | 3,190 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0412% | 859 |
| Cost of funding earning assets | 0.8612% | 1,070 |
| Net interest margin | 4.1800% | 1,415 |
| Noninterest income to average assets | 0.2649% | 4,381 |
| Noninterest expense to average assets | 3.5789% | 884 |
| Loan and lease loss provision to assets | 0.1019% | 1,961 |
| Net operating income to assets | 0.4472% | 4,859 |
| Return on assets (ROA) | 0.4472% | 4,865 |
| Pretax return on assets | 0.5627% | 4,795 |
| Return on Equity (ROE) | 5.0514% | 4,542 |
| Retained earnings to average equity (ytd only) | 5.0514% | 3,212 |
| Net charge-offs to loans | 0.0630% | 1,927 |
| Credit loss provision to net charge-offs | 180.0000% | 1,496 |
| Earnings coverage of net charge-offs (x) | 11.7392% | 2,495 |
| Efficiency ratio | 84.3383% | 625 |
| Assets per employee ($millions) | 4.0816% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 4,319 |
| Loan loss allowance to noncurrent loans | 44.6083% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 1.8570% | 608 |
| Noncurrent loans to loans | 1.9870% | 745 |
| Net loans and leases to total assets | 91.4493% | 36 |
| Net loans and leases to deposits | 118.9508% | 114 |
| Net loans and leases to core deposits | 129.6879% | 338 |
| Total domestic deposits to total assets | 76.8800% | 4,660 |
| Equity capital to assets | 8.8295% | 4,691 |
| Core capital (leverage) ratio | 10.0407% | 3,591 |
| Tier 1 risk-based capital ratio | 14.7349% | 2,999 |
| Total risk-based capital ratio | 15.9543% | 2,943 |
| Memoranda: | ||
| Average total assets | $117,760,500 | 3,863 |
| Average earning assets | $112,087,750 | 3,814 |
| Average equity | $10,425,750 | 4,284 |
| Average total loans | $105,880,000 | 3,233 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 892 |
| Cost of funding earning assets | 0.8225% | 1,032 |
| Net interest margin | 4.1394% | 1,446 |
| Noninterest income to average assets | 0.2654% | 4,413 |
| Noninterest expense to average assets | 3.5710% | 904 |
| Loan and lease loss provision to assets | 0.1021% | 1,903 |
| Net operating income to assets | 0.4219% | 4,915 |
| Return on assets (ROA) | 0.4219% | 4,921 |
| Pretax return on assets | 0.5308% | 4,852 |
| Return on Equity (ROE) | 4.7613% | 4,614 |
| Retained earnings to average equity (ytd only) | 4.7613% | 3,201 |
| Net charge-offs to loans | 0.0229% | 2,412 |
| Credit loss provision to net charge-offs | 500.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,468 |
| Efficiency ratio | 84.9454% | 629 |
| Assets per employee ($millions) | 4.2475% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 4,302 |
| Loan loss allowance to noncurrent loans | 45.4800% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 1.8473% | 617 |
| Noncurrent loans to loans | 1.9986% | 750 |
| Net loans and leases to total assets | 89.4627% | 83 |
| Net loans and leases to deposits | 116.4168% | 155 |
| Net loans and leases to core deposits | 126.8168% | 391 |
| Total domestic deposits to total assets | 76.8469% | 4,752 |
| Equity capital to assets | 8.7690% | 4,746 |
| Core capital (leverage) ratio | 9.6629% | 3,927 |
| Tier 1 risk-based capital ratio | 15.3632% | 2,701 |
| Total risk-based capital ratio | 16.6125% | 2,635 |
| Memoranda: | ||
| Average total assets | $117,559,000 | 3,901 |
| Average earning assets | $111,851,670 | 3,847 |
| Average equity | $10,417,330 | 4,321 |
| Average total loans | $104,769,330 | 3,252 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7930% | 1,097 |
| Cost of funding earning assets | 0.7274% | 1,303 |
| Net interest margin | 4.0656% | 1,522 |
| Noninterest income to average assets | 0.2498% | 4,510 |
| Noninterest expense to average assets | 3.6792% | 791 |
| Loan and lease loss provision to assets | 0.1027% | 1,809 |
| Net operating income to assets | 0.2670% | 5,143 |
| Return on assets (ROA) | 0.2670% | 5,144 |
| Pretax return on assets | 0.3320% | 5,119 |
| Return on Equity (ROE) | 2.9967% | 5,020 |
| Retained earnings to average equity (ytd only) | 2.9967% | 4,002 |
| Net charge-offs to loans | 0.0271% | 1,957 |
| Credit loss provision to net charge-offs | 428.5714% | 663 |
| Earnings coverage of net charge-offs (x) | 18.1429% | 1,543 |
| Efficiency ratio | 89.4343% | 471 |
| Assets per employee ($millions) | 4.0744% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9114% | 4,396 |
| Loan loss allowance to noncurrent loans | 41.1510% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 1.9982% | 574 |
| Noncurrent loans to loans | 2.2148% | 677 |
| Net loans and leases to total assets | 87.5048% | 164 |
| Net loans and leases to deposits | 114.2616% | 175 |
| Net loans and leases to core deposits | 123.7232% | 478 |
| Total domestic deposits to total assets | 76.5829% | 4,909 |
| Equity capital to assets | 8.7849% | 4,758 |
| Core capital (leverage) ratio | 10.1792% | 3,328 |
| Tier 1 risk-based capital ratio | 15.0049% | 2,860 |
| Total risk-based capital ratio | 16.2374% | 2,805 |
| Memoranda: | ||
| Average total assets | $116,873,500 | 3,954 |
| Average earning assets | $111,079,500 | 3,901 |
| Average equity | $10,411,500 | 4,366 |
| Average total loans | $103,467,000 | 3,297 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9051% | 785 |
| Cost of funding earning assets | 0.6821% | 1,125 |
| Net interest margin | 4.2230% | 1,141 |
| Noninterest income to average assets | 0.2730% | 4,494 |
| Noninterest expense to average assets | 3.7007% | 789 |
| Loan and lease loss provision to assets | 0.1416% | 1,604 |
| Net operating income to assets | 0.2919% | 4,943 |
| Return on assets (ROA) | 0.2919% | 4,958 |
| Pretax return on assets | 0.4378% | 5,031 |
| Return on Equity (ROE) | 3.3041% | 4,745 |
| Retained earnings to average equity (ytd only) | 3.3041% | 3,320 |
| Net charge-offs to loans | 0.1297% | 1,754 |
| Credit loss provision to net charge-offs | 125.0000% | 2,092 |
| Earnings coverage of net charge-offs (x) | 5.1136% | 3,375 |
| Efficiency ratio | 86.4621% | 615 |
| Assets per employee ($millions) | 3.8530% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9046% | 4,456 |
| Loan loss allowance to noncurrent loans | 45.2242% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 1.8142% | 681 |
| Noncurrent loans to loans | 2.0002% | 764 |
| Net loans and leases to total assets | 87.9505% | 140 |
| Net loans and leases to deposits | 106.2854% | 391 |
| Net loans and leases to core deposits | 113.9581% | 800 |
| Total domestic deposits to total assets | 82.7494% | 3,648 |
| Equity capital to assets | 9.0345% | 4,682 |
| Core capital (leverage) ratio | 10.0451% | 3,400 |
| Tier 1 risk-based capital ratio | 14.9277% | 2,878 |
| Total risk-based capital ratio | 16.1414% | 2,832 |
| Memoranda: | ||
| Average total assets | $116,491,800 | 3,954 |
| Average earning assets | $110,538,400 | 3,902 |
| Average equity | $10,290,200 | 4,407 |
| Average total loans | $101,758,800 | 3,319 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8836% | 782 |
| Cost of funding earning assets | 0.6789% | 1,080 |
| Net interest margin | 4.2047% | 1,144 |
| Noninterest income to average assets | 0.2639% | 4,620 |
| Noninterest expense to average assets | 3.6920% | 776 |
| Loan and lease loss provision to assets | 0.1371% | 1,565 |
| Net operating income to assets | 0.2810% | 5,252 |
| Return on assets (ROA) | 0.2810% | 5,270 |
| Pretax return on assets | 0.4250% | 5,145 |
| Return on Equity (ROE) | 3.1993% | 5,063 |
| Retained earnings to average equity (ytd only) | 3.1993% | 4,015 |
| Net charge-offs to loans | 0.1352% | 1,443 |
| Credit loss provision to net charge-offs | 116.5049% | 2,054 |
| Earnings coverage of net charge-offs (x) | 4.7767% | 3,183 |
| Efficiency ratio | 86.7884% | 584 |
| Assets per employee ($millions) | 4.0638% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8935% | 4,597 |
| Loan loss allowance to noncurrent loans | 44.9483% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 1.7437% | 814 |
| Noncurrent loans to loans | 1.9878% | 859 |
| Net loans and leases to total assets | 85.8371% | 266 |
| Net loans and leases to deposits | 107.0624% | 373 |
| Net loans and leases to core deposits | 115.2192% | 781 |
| Total domestic deposits to total assets | 80.1748% | 4,283 |
| Equity capital to assets | 8.7968% | 5,082 |
| Core capital (leverage) ratio | 10.0306% | 3,536 |
| Tier 1 risk-based capital ratio | 15.3780% | 2,759 |
| Total risk-based capital ratio | 16.6114% | 2,711 |
| Memoranda: | ||
| Average total assets | $116,717,250 | 3,986 |
| Average earning assets | $110,763,500 | 3,938 |
| Average equity | $10,252,000 | 4,452 |
| Average total loans | $101,551,000 | 3,355 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9067% | 683 |
| Cost of funding earning assets | 0.6722% | 1,033 |
| Net interest margin | 4.2345% | 1,003 |
| Noninterest income to average assets | 0.2596% | 4,676 |
| Noninterest expense to average assets | 3.6772% | 799 |
| Loan and lease loss provision to assets | 0.1289% | 1,614 |
| Net operating income to assets | 0.3112% | 5,195 |
| Return on assets (ROA) | 0.3112% | 5,215 |
| Pretax return on assets | 0.4710% | 5,052 |
| Return on Equity (ROE) | 3.5443% | 4,965 |
| Retained earnings to average equity (ytd only) | 3.5443% | 3,600 |
| Net charge-offs to loans | 0.0178% | 2,891 |
| Credit loss provision to net charge-offs | 833.3333% | 441 |
| Earnings coverage of net charge-offs (x) | 38.7778% | 1,272 |
| Efficiency ratio | 85.9727% | 690 |
| Assets per employee ($millions) | 3.8486% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 4,488 |
| Loan loss allowance to noncurrent loans | 47.5507% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 1.7504% | 803 |
| Noncurrent loans to loans | 1.9690% | 859 |
| Net loans and leases to total assets | 88.0666% | 142 |
| Net loans and leases to deposits | 106.7619% | 370 |
| Net loans and leases to core deposits | 114.1704% | 794 |
| Total domestic deposits to total assets | 82.4887% | 3,730 |
| Equity capital to assets | 8.9176% | 4,969 |
| Core capital (leverage) ratio | 9.9658% | 3,578 |
| Tier 1 risk-based capital ratio | 14.7693% | 3,028 |
| Total risk-based capital ratio | 16.0220% | 2,962 |
| Memoranda: | ||
| Average total assets | $116,339,670 | 4,022 |
| Average earning assets | $110,379,670 | 3,970 |
| Average equity | $10,213,670 | 4,480 |
| Average total loans | $101,377,670 | 3,370 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8692% | 663 |
| Cost of funding earning assets | 0.6430% | 1,108 |
| Net interest margin | 4.2262% | 934 |
| Noninterest income to average assets | 0.2535% | 4,726 |
| Noninterest expense to average assets | 3.6170% | 878 |
| Loan and lease loss provision to assets | 0.1028% | 1,852 |
| Net operating income to assets | 0.3562% | 5,059 |
| Return on assets (ROA) | 0.3562% | 5,081 |
| Pretax return on assets | 0.5412% | 4,861 |
| Return on Equity (ROE) | 4.0895% | 4,753 |
| Retained earnings to average equity (ytd only) | 4.0895% | 3,415 |
| Net charge-offs to loans | 0.0238% | 2,284 |
| Credit loss provision to net charge-offs | 500.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 31.3333% | 1,191 |
| Efficiency ratio | 84.8875% | 898 |
| Assets per employee ($millions) | 4.5333% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 4,727 |
| Loan loss allowance to noncurrent loans | 45.5176% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 1.7129% | 863 |
| Noncurrent loans to loans | 1.9957% | 896 |
| Net loans and leases to total assets | 85.0509% | 283 |
| Net loans and leases to deposits | 103.6145% | 417 |
| Net loans and leases to core deposits | 110.3446% | 864 |
| Total domestic deposits to total assets | 82.0840% | 4,147 |
| Equity capital to assets | 8.6699% | 5,097 |
| Core capital (leverage) ratio | 9.9409% | 3,578 |
| Tier 1 risk-based capital ratio | 15.5074% | 2,753 |
| Total risk-based capital ratio | 16.7607% | 2,679 |
| Memoranda: | ||
| Average total assets | $116,781,000 | 4,049 |
| Average earning assets | $110,737,500 | 4,002 |
| Average equity | $10,172,500 | 4,513 |
| Average total loans | $100,746,500 | 3,407 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9242% | 699 |
| Cost of funding earning assets | 0.6972% | 816 |
| Net interest margin | 4.2270% | 1,059 |
| Noninterest income to average assets | 0.3272% | 4,400 |
| Noninterest expense to average assets | 3.6941% | 893 |
| Loan and lease loss provision to assets | 0.2107% | 1,075 |
| Net operating income to assets | 0.2994% | 5,221 |
| Return on assets (ROA) | 0.2994% | 5,289 |
| Pretax return on assets | 0.4115% | 5,210 |
| Return on Equity (ROE) | 3.3637% | 5,056 |
| Retained earnings to average equity (ytd only) | 3.3637% | 3,526 |
| Net charge-offs to loans | 0.1572% | 1,703 |
| Credit loss provision to net charge-offs | 151.6129% | 1,803 |
| Earnings coverage of net charge-offs (x) | 4.4774% | 3,493 |
| Efficiency ratio | 85.5867% | 856 |
| Assets per employee ($millions) | 4.2850% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8921% | 4,808 |
| Loan loss allowance to noncurrent loans | 35.0156% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 2.2093% | 592 |
| Noncurrent loans to loans | 2.5477% | 612 |
| Net loans and leases to total assets | 85.9432% | 232 |
| Net loans and leases to deposits | 106.7073% | 313 |
| Net loans and leases to core deposits | 113.8565% | 703 |
| Total domestic deposits to total assets | 80.5411% | 4,442 |
| Equity capital to assets | 8.7523% | 5,064 |
| Core capital (leverage) ratio | 10.0500% | 3,427 |
| Tier 1 risk-based capital ratio | 15.2832% | 2,846 |
| Total risk-based capital ratio | 16.5152% | 2,787 |
| Memoranda: | ||
| Average total assets | $111,556,600 | 4,135 |
| Average earning assets | $105,276,400 | 4,095 |
| Average equity | $9,929,400 | 4,593 |
| Average total loans | $98,605,000 | 3,412 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9621% | 641 |
| Cost of funding earning assets | 0.7036% | 803 |
| Net interest margin | 4.2585% | 1,009 |
| Noninterest income to average assets | 0.3281% | 4,435 |
| Noninterest expense to average assets | 3.7458% | 795 |
| Loan and lease loss provision to assets | 0.2292% | 877 |
| Net operating income to assets | 0.2775% | 5,326 |
| Return on assets (ROA) | 0.2775% | 5,410 |
| Pretax return on assets | 0.3691% | 5,354 |
| Return on Equity (ROE) | 3.1038% | 5,193 |
| Retained earnings to average equity (ytd only) | 3.1038% | 4,050 |
| Net charge-offs to loans | 0.2268% | 1,036 |
| Credit loss provision to net charge-offs | 113.7725% | 2,176 |
| Earnings coverage of net charge-offs (x) | 2.9701% | 3,490 |
| Efficiency ratio | 86.2260% | 804 |
| Assets per employee ($millions) | 4.2251% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 5,080 |
| Loan loss allowance to noncurrent loans | 32.3677% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 2.3142% | 619 |
| Noncurrent loans to loans | 2.5888% | 660 |
| Net loans and leases to total assets | 86.9310% | 189 |
| Net loans and leases to deposits | 109.1531% | 277 |
| Net loans and leases to core deposits | 116.0440% | 656 |
| Total domestic deposits to total assets | 79.6413% | 4,584 |
| Equity capital to assets | 8.7843% | 5,329 |
| Core capital (leverage) ratio | 10.0479% | 3,507 |
| Tier 1 risk-based capital ratio | 15.2010% | 2,955 |
| Total risk-based capital ratio | 16.3604% | 2,930 |
| Memoranda: | ||
| Average total assets | $110,522,000 | 4,182 |
| Average earning assets | $104,227,750 | 4,138 |
| Average equity | $9,880,250 | 4,642 |
| Average total loans | $98,174,500 | 3,423 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9810% | 614 |
| Cost of funding earning assets | 0.7032% | 789 |
| Net interest margin | 4.2777% | 968 |
| Noninterest income to average assets | 0.3585% | 4,202 |
| Noninterest expense to average assets | 3.8542% | 714 |
| Loan and lease loss provision to assets | 0.2652% | 701 |
| Net operating income to assets | 0.2268% | 5,476 |
| Return on assets (ROA) | 0.2268% | 5,540 |
| Pretax return on assets | 0.2671% | 5,539 |
| Return on Equity (ROE) | 2.5220% | 5,375 |
| Retained earnings to average equity (ytd only) | 2.5220% | 4,277 |
| Net charge-offs to loans | 0.2357% | 1,000 |
| Credit loss provision to net charge-offs | 126.0870% | 1,794 |
| Earnings coverage of net charge-offs (x) | 2.5304% | 3,259 |
| Efficiency ratio | 87.8649% | 731 |
| Assets per employee ($millions) | 4.1407% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 5,136 |
| Loan loss allowance to noncurrent loans | 33.7325% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 2.3337% | 634 |
| Noncurrent loans to loans | 2.5136% | 687 |
| Net loans and leases to total assets | 88.3853% | 120 |
| Net loans and leases to deposits | 118.4567% | 114 |
| Net loans and leases to core deposits | 126.6590% | 359 |
| Total domestic deposits to total assets | 74.6140% | 5,461 |
| Equity capital to assets | 8.8714% | 5,336 |
| Core capital (leverage) ratio | 10.0895% | 3,458 |
| Tier 1 risk-based capital ratio | 12.3330% | 4,626 |
| Total risk-based capital ratio | 13.2914% | 4,712 |
| Memoranda: | ||
| Average total assets | $109,336,330 | 4,239 |
| Average earning assets | $102,952,000 | 4,197 |
| Average equity | $9,833,330 | 4,677 |
| Average total loans | $97,563,330 | 3,448 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0082% | 570 |
| Cost of funding earning assets | 0.7076% | 782 |
| Net interest margin | 4.3006% | 929 |
| Noninterest income to average assets | 0.2775% | 4,736 |
| Noninterest expense to average assets | 3.7445% | 847 |
| Loan and lease loss provision to assets | 0.1665% | 1,243 |
| Net operating income to assets | 0.3737% | 5,073 |
| Return on assets (ROA) | 0.3737% | 5,148 |
| Pretax return on assets | 0.4144% | 5,280 |
| Return on Equity (ROE) | 4.1262% | 4,844 |
| Retained earnings to average equity (ytd only) | 4.1262% | 3,422 |
| Net charge-offs to loans | 0.4144% | 547 |
| Credit loss provision to net charge-offs | 45.0000% | 2,096 |
| Earnings coverage of net charge-offs (x) | 1.5700% | 2,800 |
| Efficiency ratio | 86.5697% | 922 |
| Assets per employee ($millions) | 4.2442% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7774% | 5,427 |
| Loan loss allowance to noncurrent loans | 22.4255% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 3.1455% | 390 |
| Noncurrent loans to loans | 3.4664% | 392 |
| Net loans and leases to total assets | 87.9110% | 120 |
| Net loans and leases to deposits | 116.9109% | 120 |
| Net loans and leases to core deposits | 125.0151% | 356 |
| Total domestic deposits to total assets | 75.1948% | 5,500 |
| Equity capital to assets | 8.9154% | 5,253 |
| Core capital (leverage) ratio | 10.4083% | 3,062 |
| Tier 1 risk-based capital ratio | 15.5919% | 2,863 |
| Total risk-based capital ratio | 16.6603% | 2,906 |
| Memoranda: | ||
| Average total assets | $108,105,500 | 4,297 |
| Average earning assets | $101,753,500 | 4,256 |
| Average equity | $9,791,000 | 4,709 |
| Average total loans | $96,516,000 | 3,482 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0063% | 623 |
| Cost of funding earning assets | 0.6680% | 973 |
| Net interest margin | 4.3383% | 889 |
| Noninterest income to average assets | 0.3012% | 4,723 |
| Noninterest expense to average assets | 3.7651% | 900 |
| Loan and lease loss provision to assets | 0.1699% | 1,348 |
| Net operating income to assets | 0.3049% | 5,346 |
| Return on assets (ROA) | 0.3049% | 5,425 |
| Pretax return on assets | 0.4560% | 5,210 |
| Return on Equity (ROE) | 3.3324% | 5,191 |
| Retained earnings to average equity (ytd only) | 3.3324% | 3,682 |
| Net charge-offs to loans | 0.0869% | 2,581 |
| Credit loss provision to net charge-offs | 219.5122% | 1,292 |
| Earnings coverage of net charge-offs (x) | 8.0854% | 2,999 |
| Efficiency ratio | 85.7450% | 1,014 |
| Assets per employee ($millions) | 3.7808% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 5,251 |
| Loan loss allowance to noncurrent loans | 22.4456% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 3.5263% | 333 |
| Noncurrent loans to loans | 3.8115% | 338 |
| Net loans and leases to total assets | 89.2181% | 82 |
| Net loans and leases to deposits | 113.3297% | 175 |
| Net loans and leases to core deposits | 121.4419% | 441 |
| Total domestic deposits to total assets | 78.7244% | 5,029 |
| Equity capital to assets | 9.2043% | 4,903 |
| Core capital (leverage) ratio | 10.3794% | 3,073 |
| Tier 1 risk-based capital ratio | 13.9565% | 3,732 |
| Total risk-based capital ratio | 14.9914% | 3,792 |
| Memoranda: | ||
| Average total assets | $105,920,400 | 4,336 |
| Average earning assets | $99,854,000 | 4,295 |
| Average equity | $9,692,800 | 4,710 |
| Average total loans | $94,363,800 | 3,494 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0050% | 614 |
| Cost of funding earning assets | 0.6685% | 988 |
| Net interest margin | 4.3365% | 894 |
| Noninterest income to average assets | 0.3084% | 4,731 |
| Noninterest expense to average assets | 3.7292% | 934 |
| Loan and lease loss provision to assets | 0.1699% | 1,244 |
| Net operating income to assets | 0.3323% | 5,366 |
| Return on assets (ROA) | 0.3323% | 5,443 |
| Pretax return on assets | 0.4997% | 5,218 |
| Return on Equity (ROE) | 3.6363% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.6363% | 3,880 |
| Net charge-offs to loans | 0.0963% | 2,190 |
| Credit loss provision to net charge-offs | 198.5294% | 1,344 |
| Earnings coverage of net charge-offs (x) | 7.8240% | 2,877 |
| Efficiency ratio | 84.7783% | 1,100 |
| Assets per employee ($millions) | 4.2564% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8301% | 5,439 |
| Loan loss allowance to noncurrent loans | 20.7627% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 3.5626% | 356 |
| Noncurrent loans to loans | 3.9979% | 325 |
| Net loans and leases to total assets | 88.0229% | 139 |
| Net loans and leases to deposits | 112.6890% | 194 |
| Net loans and leases to core deposits | 120.8594% | 447 |
| Total domestic deposits to total assets | 78.1113% | 5,161 |
| Equity capital to assets | 9.1043% | 5,207 |
| Core capital (leverage) ratio | 10.3001% | 3,257 |
| Tier 1 risk-based capital ratio | 15.4376% | 3,077 |
| Total risk-based capital ratio | 16.5497% | 3,069 |
| Memoranda: | ||
| Average total assets | $105,934,750 | 4,382 |
| Average earning assets | $99,924,750 | 4,335 |
| Average equity | $9,680,000 | 4,774 |
| Average total loans | $94,138,750 | 3,528 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0038% | 589 |
| Cost of funding earning assets | 0.6670% | 1,012 |
| Net interest margin | 4.3367% | 857 |
| Noninterest income to average assets | 0.3006% | 4,803 |
| Noninterest expense to average assets | 3.7419% | 940 |
| Loan and lease loss provision to assets | 0.1702% | 1,227 |
| Net operating income to assets | 0.3195% | 5,387 |
| Return on assets (ROA) | 0.3195% | 5,477 |
| Pretax return on assets | 0.4822% | 5,273 |
| Return on Equity (ROE) | 3.4927% | 5,232 |
| Retained earnings to average equity (ytd only) | 3.4927% | 3,818 |
| Net charge-offs to loans | 0.1744% | 1,415 |
| Credit loss provision to net charge-offs | 109.7561% | 1,926 |
| Earnings coverage of net charge-offs (x) | 4.2073% | 3,077 |
| Efficiency ratio | 85.1549% | 1,135 |
| Assets per employee ($millions) | 4.0668% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7710% | 5,667 |
| Loan loss allowance to noncurrent loans | 20.3195% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 3.3886% | 433 |
| Noncurrent loans to loans | 3.7945% | 434 |
| Net loans and leases to total assets | 88.2436% | 129 |
| Net loans and leases to deposits | 114.5602% | 166 |
| Net loans and leases to core deposits | 122.2800% | 410 |
| Total domestic deposits to total assets | 77.0281% | 5,452 |
| Equity capital to assets | 9.0734% | 5,169 |
| Core capital (leverage) ratio | 10.2271% | 3,303 |
| Tier 1 risk-based capital ratio | 15.3225% | 3,186 |
| Total risk-based capital ratio | 16.3525% | 3,240 |
| Memoranda: | ||
| Average total assets | $105,776,000 | 4,427 |
| Average earning assets | $99,844,670 | 4,374 |
| Average equity | $9,677,330 | 4,805 |
| Average total loans | $94,035,000 | 3,553 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0170% | 561 |
| Cost of funding earning assets | 0.6652% | 1,019 |
| Net interest margin | 4.3518% | 795 |
| Noninterest income to average assets | 0.3100% | 4,711 |
| Noninterest expense to average assets | 3.6864% | 1,028 |
| Loan and lease loss provision to assets | 0.1701% | 1,166 |
| Net operating income to assets | 0.3705% | 5,185 |
| Return on assets (ROA) | 0.3705% | 5,304 |
| Pretax return on assets | 0.5596% | 5,027 |
| Return on Equity (ROE) | 4.0333% | 4,966 |
| Retained earnings to average equity (ytd only) | 4.0333% | 3,584 |
| Net charge-offs to loans | 0.1063% | 1,675 |
| Credit loss provision to net charge-offs | 180.0000% | 1,127 |
| Earnings coverage of net charge-offs (x) | 7.7200% | 2,142 |
| Efficiency ratio | 83.4760% | 1,434 |
| Assets per employee ($millions) | 3.9408% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7821% | 5,738 |
| Loan loss allowance to noncurrent loans | 21.4994% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 3.2499% | 542 |
| Noncurrent loans to loans | 3.6376% | 506 |
| Net loans and leases to total assets | 87.8752% | 113 |
| Net loans and leases to deposits | 115.1760% | 143 |
| Net loans and leases to core deposits | 123.3409% | 342 |
| Total domestic deposits to total assets | 76.2965% | 5,703 |
| Equity capital to assets | 8.9444% | 5,355 |
| Core capital (leverage) ratio | 10.1917% | 3,351 |
| Tier 1 risk-based capital ratio | 15.1624% | 3,342 |
| Total risk-based capital ratio | 16.2071% | 3,381 |
| Memoranda: | ||
| Average total assets | $105,795,000 | 4,462 |
| Average earning assets | $99,820,500 | 4,402 |
| Average equity | $9,719,000 | 4,845 |
| Average total loans | $94,036,500 | 3,557 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1005% | 631 |
| Cost of funding earning assets | 0.7361% | 915 |
| Net interest margin | 4.3644% | 939 |
| Noninterest income to average assets | 0.3327% | 4,728 |
| Noninterest expense to average assets | 3.6631% | 1,204 |
| Loan and lease loss provision to assets | 1.0616% | 96 |
| Net operating income to assets | -0.1774% | 6,197 |
| Return on assets (ROA) | -0.1774% | 6,194 |
| Pretax return on assets | -0.2758% | 6,217 |
| Return on Equity (ROE) | -1.8457% | 6,205 |
| Retained earnings to average equity (ytd only) | -1.8457% | 5,995 |
| Net charge-offs to loans | 1.2982% | 200 |
| Credit loss provision to net charge-offs | 93.2261% | 2,574 |
| Earnings coverage of net charge-offs (x) | 0.6901% | 4,588 |
| Efficiency ratio | 82.3364% | 1,624 |
| Assets per employee ($millions) | 3.8959% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7641% | 5,857 |
| Loan loss allowance to noncurrent loans | 22.5118% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 3.1876% | 606 |
| Noncurrent loans to loans | 3.3943% | 620 |
| Net loans and leases to total assets | 88.5253% | 97 |
| Net loans and leases to deposits | 116.8005% | 129 |
| Net loans and leases to core deposits | 124.1772% | 316 |
| Total domestic deposits to total assets | 75.7919% | 5,762 |
| Equity capital to assets | 9.4317% | 4,806 |
| Core capital (leverage) ratio | 10.4079% | 3,053 |
| Tier 1 risk-based capital ratio | 15.2186% | 3,368 |
| Total risk-based capital ratio | 16.2515% | 3,423 |
| Memoranda: | ||
| Average total assets | $103,709,000 | 4,507 |
| Average earning assets | $97,814,200 | 4,454 |
| Average equity | $9,969,000 | 4,758 |
| Average total loans | $90,975,400 | 3,611 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0729% | 681 |
| Cost of funding earning assets | 0.7497% | 889 |
| Net interest margin | 4.3232% | 1,003 |
| Noninterest income to average assets | 0.3277% | 4,813 |
| Noninterest expense to average assets | 3.7029% | 1,116 |
| Loan and lease loss provision to assets | 1.2954% | 69 |
| Net operating income to assets | -0.3896% | 6,339 |
| Return on assets (ROA) | -0.3896% | 6,340 |
| Pretax return on assets | -0.5935% | 6,382 |
| Return on Equity (ROE) | -4.0343% | 6,344 |
| Retained earnings to average equity (ytd only) | -4.0343% | 6,212 |
| Net charge-offs to loans | 1.5569% | 151 |
| Credit loss provision to net charge-offs | 95.2562% | 2,339 |
| Earnings coverage of net charge-offs (x) | 0.5161% | 4,365 |
| Efficiency ratio | 84.0656% | 1,383 |
| Assets per employee ($millions) | 3.7657% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8047% | 5,860 |
| Loan loss allowance to noncurrent loans | 23.0059% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 3.3422% | 650 |
| Noncurrent loans to loans | 3.4978% | 687 |
| Net loans and leases to total assets | 87.3321% | 137 |
| Net loans and leases to deposits | 114.9687% | 141 |
| Net loans and leases to core deposits | 123.0382% | 328 |
| Total domestic deposits to total assets | 75.9617% | 5,817 |
| Equity capital to assets | 9.3058% | 5,027 |
| Core capital (leverage) ratio | 10.3501% | 3,213 |
| Tier 1 risk-based capital ratio | 15.1028% | 3,532 |
| Total risk-based capital ratio | 16.1866% | 3,554 |
| Memoranda: | ||
| Average total assets | $103,339,250 | 4,563 |
| Average earning assets | $97,456,500 | 4,510 |
| Average equity | $9,981,000 | 4,790 |
| Average total loans | $90,260,500 | 3,656 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0680% | 659 |
| Cost of funding earning assets | 0.7582% | 892 |
| Net interest margin | 4.3098% | 1,005 |
| Noninterest income to average assets | 0.3293% | 4,782 |
| Noninterest expense to average assets | 3.7257% | 1,087 |
| Loan and lease loss provision to assets | 1.6446% | 52 |
| Net operating income to assets | -0.6430% | 6,473 |
| Return on assets (ROA) | -0.6430% | 6,474 |
| Pretax return on assets | -0.9762% | 6,506 |
| Return on Equity (ROE) | -6.5755% | 6,472 |
| Retained earnings to average equity (ytd only) | -6.5755% | 6,329 |
| Net charge-offs to loans | 2.1945% | 94 |
| Credit loss provision to net charge-offs | 86.0347% | 2,244 |
| Earnings coverage of net charge-offs (x) | 0.3496% | 4,064 |
| Efficiency ratio | 84.7894% | 1,413 |
| Assets per employee ($millions) | 3.8079% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7300% | 6,126 |
| Loan loss allowance to noncurrent loans | 15.0719% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 4.5364% | 430 |
| Noncurrent loans to loans | 4.8432% | 428 |
| Net loans and leases to total assets | 87.3001% | 120 |
| Net loans and leases to deposits | 110.5412% | 196 |
| Net loans and leases to core deposits | 118.1515% | 420 |
| Total domestic deposits to total assets | 78.9752% | 5,464 |
| Equity capital to assets | 9.5271% | 4,716 |
| Core capital (leverage) ratio | 10.3746% | 3,111 |
| Tier 1 risk-based capital ratio | 14.8849% | 3,694 |
| Total risk-based capital ratio | 15.8455% | 3,824 |
| Memoranda: | ||
| Average total assets | $102,639,000 | 4,618 |
| Average earning assets | $96,802,670 | 4,559 |
| Average equity | $10,037,330 | 4,800 |
| Average total loans | $89,404,000 | 3,691 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9721% | 757 |
| Cost of funding earning assets | 0.7653% | 902 |
| Net interest margin | 4.2068% | 1,199 |
| Noninterest income to average assets | 0.3198% | 4,812 |
| Noninterest expense to average assets | 3.7210% | 1,100 |
| Loan and lease loss provision to assets | 0.3159% | 589 |
| Net operating income to assets | 0.1677% | 5,886 |
| Return on assets (ROA) | 0.1677% | 5,928 |
| Pretax return on assets | 0.2496% | 5,828 |
| Return on Equity (ROE) | 1.6932% | 5,872 |
| Retained earnings to average equity (ytd only) | 1.6932% | 4,937 |
| Net charge-offs to loans | 0.5894% | 627 |
| Credit loss provision to net charge-offs | 61.8321% | 2,084 |
| Earnings coverage of net charge-offs (x) | 1.1069% | 3,178 |
| Efficiency ratio | 86.8062% | 1,360 |
| Assets per employee ($millions) | 3.6776% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8347% | 6,034 |
| Loan loss allowance to noncurrent loans | 23.2783% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 3.4378% | 765 |
| Noncurrent loans to loans | 3.5858% | 800 |
| Net loans and leases to total assets | 86.1836% | 140 |
| Net loans and leases to deposits | 109.7351% | 159 |
| Net loans and leases to core deposits | 116.5474% | 397 |
| Total domestic deposits to total assets | 78.5379% | 5,749 |
| Equity capital to assets | 9.8833% | 3,977 |
| Core capital (leverage) ratio | 10.7236% | 2,677 |
| Tier 1 risk-based capital ratio | 15.3294% | 3,534 |
| Total risk-based capital ratio | 16.4073% | 3,585 |
| Memoranda: | ||
| Average total assets | $102,552,500 | 4,666 |
| Average earning assets | $96,700,000 | 4,606 |
| Average equity | $10,158,500 | 4,787 |
| Average total loans | $88,898,500 | 3,729 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9313% | 1,035 |
| Cost of funding earning assets | 0.8926% | 769 |
| Net interest margin | 4.0387% | 1,840 |
| Noninterest income to average assets | 0.3701% | 4,662 |
| Noninterest expense to average assets | 3.7031% | 1,281 |
| Loan and lease loss provision to assets | 0.4343% | 675 |
| Net operating income to assets | -0.0118% | 6,229 |
| Return on assets (ROA) | -0.0118% | 6,265 |
| Pretax return on assets | 0.0286% | 6,189 |
| Return on Equity (ROE) | -0.1191% | 6,266 |
| Retained earnings to average equity (ytd only) | -0.1191% | 5,896 |
| Net charge-offs to loans | 0.6353% | 1,024 |
| Credit loss provision to net charge-offs | 81.9367% | 2,990 |
| Earnings coverage of net charge-offs (x) | 0.8734% | 4,795 |
| Efficiency ratio | 88.8889% | 1,120 |
| Assets per employee ($millions) | 3.7827% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 5,920 |
| Loan loss allowance to noncurrent loans | 22.5269% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 4.0105% | 662 |
| Noncurrent loans to loans | 4.0066% | 724 |
| Net loans and leases to total assets | 85.6804% | 171 |
| Net loans and leases to deposits | 111.3263% | 151 |
| Net loans and leases to core deposits | 118.4686% | 359 |
| Total domestic deposits to total assets | 76.9634% | 5,975 |
| Equity capital to assets | 9.9282% | 3,863 |
| Core capital (leverage) ratio | 10.8893% | 2,489 |
| Tier 1 risk-based capital ratio | 16.2803% | 2,973 |
| Total risk-based capital ratio | 17.4941% | 2,940 |
| Memoranda: | ||
| Average total assets | $101,320,400 | 4,709 |
| Average earning assets | $95,227,800 | 4,648 |
| Average equity | $10,073,600 | 4,827 |
| Average total loans | $84,528,200 | 3,808 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8723% | 1,183 |
| Cost of funding earning assets | 0.9194% | 746 |
| Net interest margin | 3.9529% | 2,103 |
| Noninterest income to average assets | 0.2901% | 5,374 |
| Noninterest expense to average assets | 3.7065% | 1,236 |
| Loan and lease loss provision to assets | 0.3943% | 777 |
| Net operating income to assets | -0.1015% | 6,380 |
| Return on assets (ROA) | -0.1015% | 6,420 |
| Pretax return on assets | -0.0976% | 6,399 |
| Return on Equity (ROE) | -1.0208% | 6,427 |
| Retained earnings to average equity (ytd only) | -1.0208% | 6,138 |
| Net charge-offs to loans | 0.7290% | 816 |
| Credit loss provision to net charge-offs | 65.4267% | 3,170 |
| Earnings coverage of net charge-offs (x) | 0.4923% | 4,696 |
| Efficiency ratio | 92.5889% | 817 |
| Assets per employee ($millions) | 3.8827% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8531% | 6,179 |
| Loan loss allowance to noncurrent loans | 21.6662% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 4.1416% | 751 |
| Noncurrent loans to loans | 3.9373% | 898 |
| Net loans and leases to total assets | 84.7352% | 204 |
| Net loans and leases to deposits | 112.2438% | 129 |
| Net loans and leases to core deposits | 119.6478% | 332 |
| Total domestic deposits to total assets | 75.4921% | 6,229 |
| Equity capital to assets | 9.9692% | 3,940 |
| Core capital (leverage) ratio | 10.8034% | 2,665 |
| Tier 1 risk-based capital ratio | 16.4871% | 2,937 |
| Total risk-based capital ratio | 17.6151% | 2,977 |
| Memoranda: | ||
| Average total assets | $101,117,250 | 4,759 |
| Average earning assets | $94,983,500 | 4,691 |
| Average equity | $10,057,000 | 4,884 |
| Average total loans | $83,584,000 | 3,868 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8533% | 1,211 |
| Cost of funding earning assets | 0.9480% | 716 |
| Net interest margin | 3.9053% | 2,196 |
| Noninterest income to average assets | 0.2708% | 5,518 |
| Noninterest expense to average assets | 3.7283% | 1,207 |
| Loan and lease loss provision to assets | 0.4468% | 652 |
| Net operating income to assets | -0.2115% | 6,496 |
| Return on assets (ROA) | -0.2115% | 6,529 |
| Pretax return on assets | -0.2313% | 6,512 |
| Return on Equity (ROE) | -2.1284% | 6,531 |
| Retained earnings to average equity (ytd only) | -2.1284% | 6,208 |
| Net charge-offs to loans | 0.8030% | 783 |
| Credit loss provision to net charge-offs | 68.0723% | 2,870 |
| Earnings coverage of net charge-offs (x) | 0.3283% | 4,433 |
| Efficiency ratio | 94.5363% | 737 |
| Assets per employee ($millions) | 3.8367% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 6,023 |
| Loan loss allowance to noncurrent loans | 19.9393% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 4.7897% | 658 |
| Noncurrent loans to loans | 4.7191% | 716 |
| Net loans and leases to total assets | 83.1597% | 287 |
| Net loans and leases to deposits | 106.6122% | 209 |
| Net loans and leases to core deposits | 113.0499% | 461 |
| Total domestic deposits to total assets | 78.0021% | 5,984 |
| Equity capital to assets | 10.0697% | 3,828 |
| Core capital (leverage) ratio | 10.7258% | 2,643 |
| Tier 1 risk-based capital ratio | 17.1434% | 2,658 |
| Total risk-based capital ratio | 18.4025% | 2,629 |
| Memoranda: | ||
| Average total assets | $101,172,670 | 4,786 |
| Average earning assets | $95,152,330 | 4,720 |
| Average equity | $10,054,670 | 4,925 |
| Average total loans | $82,686,330 | 3,908 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8365% | 1,220 |
| Cost of funding earning assets | 0.9790% | 680 |
| Net interest margin | 3.8575% | 2,253 |
| Noninterest income to average assets | 0.2395% | 5,748 |
| Noninterest expense to average assets | 3.5649% | 1,484 |
| Loan and lease loss provision to assets | 0.2356% | 1,548 |
| Net operating income to assets | 0.0353% | 6,286 |
| Return on assets (ROA) | 0.0353% | 6,370 |
| Pretax return on assets | 0.0746% | 6,298 |
| Return on Equity (ROE) | 0.3579% | 6,358 |
| Retained earnings to average equity (ytd only) | 0.3579% | 5,674 |
| Net charge-offs to loans | 0.5210% | 1,154 |
| Credit loss provision to net charge-offs | 56.0748% | 2,507 |
| Earnings coverage of net charge-offs (x) | 0.7383% | 3,583 |
| Efficiency ratio | 91.9959% | 983 |
| Assets per employee ($millions) | 3.7629% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 5,878 |
| Loan loss allowance to noncurrent loans | 24.4868% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 3.7195% | 1,116 |
| Noncurrent loans to loans | 4.2038% | 1,044 |
| Net loans and leases to total assets | 80.1543% | 409 |
| Net loans and leases to deposits | 102.3271% | 270 |
| Net loans and leases to core deposits | 110.8712% | 468 |
| Total domestic deposits to total assets | 78.3315% | 6,069 |
| Equity capital to assets | 9.8958% | 4,285 |
| Core capital (leverage) ratio | 10.6646% | 2,578 |
| Tier 1 risk-based capital ratio | 17.3024% | 2,644 |
| Total risk-based capital ratio | 18.5529% | 2,610 |
| Memoranda: | ||
| Average total assets | $101,881,500 | 4,813 |
| Average earning assets | $96,019,500 | 4,739 |
| Average equity | $10,059,500 | 4,973 |
| Average total loans | $82,157,500 | 3,954 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2479% | 1,023 |
| Cost of funding earning assets | 1.2383% | 484 |
| Net interest margin | 4.0097% | 2,358 |
| Noninterest income to average assets | 0.3019% | 5,296 |
| Noninterest expense to average assets | 3.5839% | 1,643 |
| Loan and lease loss provision to assets | 0.2368% | 2,768 |
| Net operating income to assets | 0.1657% | 5,853 |
| Return on assets (ROA) | 0.1657% | 6,022 |
| Pretax return on assets | 0.2634% | 5,895 |
| Return on Equity (ROE) | 1.6493% | 5,989 |
| Retained earnings to average equity (ytd only) | 1.6493% | 5,037 |
| Net charge-offs to loans | 0.1572% | 4,125 |
| Credit loss provision to net charge-offs | 186.0465% | 1,407 |
| Earnings coverage of net charge-offs (x) | 3.9302% | 3,541 |
| Efficiency ratio | 87.7536% | 1,260 |
| Assets per employee ($millions) | 3.7839% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 5,595 |
| Loan loss allowance to noncurrent loans | 25.4194% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 3.9300% | 1,102 |
| Noncurrent loans to loans | 4.2874% | 1,033 |
| Net loans and leases to total assets | 79.4194% | 524 |
| Net loans and leases to deposits | 101.4910% | 351 |
| Net loans and leases to core deposits | 109.8746% | 542 |
| Total domestic deposits to total assets | 78.2526% | 6,037 |
| Equity capital to assets | 9.8518% | 4,377 |
| Core capital (leverage) ratio | 10.7165% | 2,526 |
| Tier 1 risk-based capital ratio | 17.2231% | 2,548 |
| Total risk-based capital ratio | 18.4744% | 2,526 |
| Memoranda: | ||
| Average total assets | $101,371,200 | 4,796 |
| Average earning assets | $95,618,400 | 4,707 |
| Average equity | $10,186,400 | 4,940 |
| Average total loans | $82,051,600 | 3,969 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3163% | 980 |
| Cost of funding earning assets | 1.2872% | 463 |
| Net interest margin | 4.0291% | 2,384 |
| Noninterest income to average assets | 0.3018% | 5,367 |
| Noninterest expense to average assets | 3.5555% | 1,641 |
| Loan and lease loss provision to assets | 0.2372% | 2,679 |
| Net operating income to assets | 0.1977% | 5,924 |
| Return on assets (ROA) | 0.1977% | 6,091 |
| Pretax return on assets | 0.3123% | 5,932 |
| Return on Equity (ROE) | 1.9576% | 6,035 |
| Retained earnings to average equity (ytd only) | 1.9576% | 5,345 |
| Net charge-offs to loans | 0.1462% | 3,937 |
| Credit loss provision to net charge-offs | 200.0000% | 1,377 |
| Earnings coverage of net charge-offs (x) | 4.6333% | 3,249 |
| Efficiency ratio | 86.6132% | 1,334 |
| Assets per employee ($millions) | 3.9127% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 5,859 |
| Loan loss allowance to noncurrent loans | 22.7640% | 6,421 |
| Noncurrent assets plus other real estate owned to assets | 4.0863% | 1,180 |
| Noncurrent loans to loans | 4.6518% | 1,003 |
| Net loans and leases to total assets | 80.1826% | 494 |
| Net loans and leases to deposits | 105.0118% | 260 |
| Net loans and leases to core deposits | 113.9089% | 437 |
| Total domestic deposits to total assets | 76.3558% | 6,333 |
| Equity capital to assets | 9.9441% | 4,580 |
| Core capital (leverage) ratio | 10.7175% | 2,681 |
| Tier 1 risk-based capital ratio | 17.2503% | 2,626 |
| Total risk-based capital ratio | 18.5011% | 2,585 |
| Memoranda: | ||
| Average total assets | $101,173,000 | 4,850 |
| Average earning assets | $95,503,000 | 4,752 |
| Average equity | $10,216,750 | 4,974 |
| Average total loans | $82,056,500 | 4,022 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2813% | 1,089 |
| Cost of funding earning assets | 1.3182% | 481 |
| Net interest margin | 3.9631% | 2,668 |
| Noninterest income to average assets | 0.2911% | 5,474 |
| Noninterest expense to average assets | 3.5074% | 1,769 |
| Loan and lease loss provision to assets | 0.2377% | 2,696 |
| Net operating income to assets | 0.1802% | 5,977 |
| Return on assets (ROA) | 0.1802% | 6,149 |
| Pretax return on assets | 0.2911% | 5,982 |
| Return on Equity (ROE) | 1.7756% | 6,109 |
| Retained earnings to average equity (ytd only) | 1.7756% | 5,307 |
| Net charge-offs to loans | 0.1001% | 4,166 |
| Credit loss provision to net charge-offs | 292.6829% | 998 |
| Earnings coverage of net charge-offs (x) | 6.5122% | 2,624 |
| Efficiency ratio | 86.8989% | 1,351 |
| Assets per employee ($millions) | 3.9109% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 5,975 |
| Loan loss allowance to noncurrent loans | 20.6764% | 6,500 |
| Noncurrent assets plus other real estate owned to assets | 4.2082% | 1,190 |
| Noncurrent loans to loans | 5.0640% | 963 |
| Net loans and leases to total assets | 80.1166% | 496 |
| Net loans and leases to deposits | 105.2873% | 247 |
| Net loans and leases to core deposits | 113.8256% | 457 |
| Total domestic deposits to total assets | 76.0933% | 6,445 |
| Equity capital to assets | 10.1423% | 4,135 |
| Core capital (leverage) ratio | 10.6829% | 2,621 |
| Tier 1 risk-based capital ratio | 17.2161% | 2,581 |
| Total risk-based capital ratio | 18.4663% | 2,541 |
| Memoranda: | ||
| Average total assets | $100,987,670 | 4,880 |
| Average earning assets | $95,430,330 | 4,786 |
| Average equity | $10,250,330 | 4,974 |
| Average total loans | $81,928,000 | 4,041 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3357% | 1,033 |
| Cost of funding earning assets | 1.3592% | 490 |
| Net interest margin | 3.9766% | 2,602 |
| Noninterest income to average assets | 0.2901% | 5,547 |
| Noninterest expense to average assets | 3.4300% | 1,934 |
| Loan and lease loss provision to assets | 0.2385% | 2,565 |
| Net operating income to assets | 0.2345% | 5,870 |
| Return on assets (ROA) | 0.2345% | 6,021 |
| Pretax return on assets | 0.3776% | 5,789 |
| Return on Equity (ROE) | 2.3094% | 5,972 |
| Retained earnings to average equity (ytd only) | 2.3094% | 5,103 |
| Net charge-offs to loans | 0.0538% | 3,963 |
| Credit loss provision to net charge-offs | 545.4545% | 615 |
| Earnings coverage of net charge-offs (x) | 14.0909% | 1,490 |
| Efficiency ratio | 84.7741% | 1,600 |
| Assets per employee ($millions) | 3.7784% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 6,188 |
| Loan loss allowance to noncurrent loans | 20.2335% | 6,556 |
| Noncurrent assets plus other real estate owned to assets | 4.0905% | 1,343 |
| Noncurrent loans to loans | 5.0145% | 1,114 |
| Net loans and leases to total assets | 79.5644% | 453 |
| Net loans and leases to deposits | 104.5278% | 239 |
| Net loans and leases to core deposits | 112.5298% | 458 |
| Total domestic deposits to total assets | 76.1179% | 6,530 |
| Equity capital to assets | 10.0492% | 4,069 |
| Core capital (leverage) ratio | 10.6900% | 2,554 |
| Tier 1 risk-based capital ratio | 17.1189% | 2,640 |
| Total risk-based capital ratio | 18.3690% | 2,600 |
| Memoranda: | ||
| Average total assets | $100,640,000 | 4,924 |
| Average earning assets | $95,057,000 | 4,816 |
| Average equity | $10,219,000 | 4,992 |
| Average total loans | $81,728,500 | 4,070 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7902% | 656 |
| Cost of funding earning assets | 1.5707% | 536 |
| Net interest margin | 4.2194% | 1,998 |
| Noninterest income to average assets | 0.4550% | 4,182 |
| Noninterest expense to average assets | 3.7121% | 1,515 |
| Loan and lease loss provision to assets | 0.2334% | 3,871 |
| Net operating income to assets | 0.3220% | 5,183 |
| Return on assets (ROA) | 0.3220% | 5,332 |
| Pretax return on assets | 0.4604% | 5,100 |
| Return on Equity (ROE) | 2.9816% | 5,291 |
| Retained earnings to average equity (ytd only) | 2.9816% | 4,110 |
| Net charge-offs to loans | 1.1668% | 1,454 |
| Credit loss provision to net charge-offs | 23.4020% | 5,873 |
| Earnings coverage of net charge-offs (x) | 0.6956% | 5,287 |
| Efficiency ratio | 84.2531% | 1,733 |
| Assets per employee ($millions) | 3.5451% | 4,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 6,358 |
| Loan loss allowance to noncurrent loans | 19.8933% | 6,621 |
| Noncurrent assets plus other real estate owned to assets | 4.0267% | 1,427 |
| Noncurrent loans to loans | 4.8321% | 1,196 |
| Net loans and leases to total assets | 81.2718% | 387 |
| Net loans and leases to deposits | 107.8647% | 209 |
| Net loans and leases to core deposits | 110.1926% | 615 |
| Total domestic deposits to total assets | 75.3461% | 6,556 |
| Equity capital to assets | 10.2617% | 3,833 |
| Core capital (leverage) ratio | 11.6903% | 1,769 |
| Tier 1 risk-based capital ratio | 16.9076% | 2,643 |
| Total risk-based capital ratio | 18.1557% | 2,605 |
| Memoranda: | ||
| Average total assets | $92,534,600 | 5,113 |
| Average earning assets | $86,646,800 | 5,040 |
| Average equity | $9,994,800 | 5,022 |
| Average total loans | $79,103,200 | 4,169 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8939% | 570 |
| Cost of funding earning assets | 1.6046% | 567 |
| Net interest margin | 4.2893% | 1,759 |
| Noninterest income to average assets | 0.5004% | 3,869 |
| Noninterest expense to average assets | 3.7143% | 1,465 |
| Loan and lease loss provision to assets | 0.2730% | 3,324 |
| Net operating income to assets | 0.3742% | 5,107 |
| Return on assets (ROA) | 0.3742% | 5,293 |
| Pretax return on assets | 0.5224% | 5,071 |
| Return on Equity (ROE) | 3.4180% | 5,264 |
| Retained earnings to average equity (ytd only) | 3.4180% | 4,304 |
| Net charge-offs to loans | 1.3381% | 1,133 |
| Credit loss provision to net charge-offs | 23.6041% | 5,513 |
| Earnings coverage of net charge-offs (x) | 0.6878% | 5,109 |
| Efficiency ratio | 82.3625% | 1,920 |
| Assets per employee ($millions) | 3.5301% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 5,942 |
| Loan loss allowance to noncurrent loans | 23.6359% | 6,548 |
| Noncurrent assets plus other real estate owned to assets | 3.8425% | 1,609 |
| Noncurrent loans to loans | 4.5946% | 1,407 |
| Net loans and leases to total assets | 81.8296% | 370 |
| Net loans and leases to deposits | 108.8294% | 195 |
| Net loans and leases to core deposits | 116.9948% | 468 |
| Total domestic deposits to total assets | 75.1907% | 6,619 |
| Equity capital to assets | 10.2649% | 4,005 |
| Core capital (leverage) ratio | 10.7863% | 2,585 |
| Tier 1 risk-based capital ratio | 17.0384% | 2,633 |
| Total risk-based capital ratio | 18.2899% | 2,587 |
| Memoranda: | ||
| Average total assets | $90,852,750 | 5,205 |
| Average earning assets | $84,922,500 | 5,125 |
| Average equity | $9,947,000 | 5,047 |
| Average total loans | $78,515,250 | 4,224 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0484% | 437 |
| Cost of funding earning assets | 1.6777% | 509 |
| Net interest margin | 4.3707% | 1,459 |
| Noninterest income to average assets | 0.3674% | 4,941 |
| Noninterest expense to average assets | 3.7941% | 1,356 |
| Loan and lease loss provision to assets | 0.1361% | 4,607 |
| Net operating income to assets | 0.3130% | 5,321 |
| Return on assets (ROA) | 0.3130% | 5,461 |
| Pretax return on assets | 0.5080% | 5,040 |
| Return on Equity (ROE) | 2.7933% | 5,481 |
| Retained earnings to average equity (ytd only) | 2.7933% | 4,504 |
| Net charge-offs to loans | 1.4671% | 1,016 |
| Credit loss provision to net charge-offs | 10.5634% | 5,239 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 4,932 |
| Efficiency ratio | 85.4880% | 1,651 |
| Assets per employee ($millions) | 3.4058% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 5,394 |
| Loan loss allowance to noncurrent loans | 26.9484% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 4.1806% | 1,521 |
| Noncurrent loans to loans | 4.5827% | 1,437 |
| Net loans and leases to total assets | 88.6890% | 68 |
| Net loans and leases to deposits | 106.4549% | 251 |
| Net loans and leases to core deposits | 114.4541% | 564 |
| Total domestic deposits to total assets | 83.3113% | 4,631 |
| Equity capital to assets | 11.2331% | 2,735 |
| Core capital (leverage) ratio | 11.9352% | 1,637 |
| Tier 1 risk-based capital ratio | 17.5839% | 2,312 |
| Total risk-based capital ratio | 18.8382% | 2,279 |
| Memoranda: | ||
| Average total assets | $88,189,670 | 5,307 |
| Average earning assets | $82,137,670 | 5,257 |
| Average equity | $9,880,670 | 5,081 |
| Average total loans | $77,430,330 | 4,299 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0627% | 428 |
| Cost of funding earning assets | 1.6925% | 573 |
| Net interest margin | 4.3703% | 1,367 |
| Noninterest income to average assets | 0.3591% | 5,036 |
| Noninterest expense to average assets | 3.7042% | 1,526 |
| Loan and lease loss provision to assets | 0.1363% | 4,304 |
| Net operating income to assets | 0.3636% | 5,106 |
| Return on assets (ROA) | 0.3636% | 5,190 |
| Pretax return on assets | 0.5908% | 4,722 |
| Return on Equity (ROE) | 3.2496% | 5,263 |
| Retained earnings to average equity (ytd only) | 3.2496% | 4,229 |
| Net charge-offs to loans | 2.4978% | 463 |
| Credit loss provision to net charge-offs | 6.2893% | 4,419 |
| Earnings coverage of net charge-offs (x) | 0.3354% | 4,362 |
| Efficiency ratio | 83.5897% | 2,004 |
| Assets per employee ($millions) | 3.5474% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 4,958 |
| Loan loss allowance to noncurrent loans | 36.6222% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 3.3140% | 2,059 |
| Noncurrent loans to loans | 3.6518% | 2,032 |
| Net loans and leases to total assets | 86.7654% | 107 |
| Net loans and leases to deposits | 105.4979% | 264 |
| Net loans and leases to core deposits | 114.1071% | 599 |
| Total domestic deposits to total assets | 82.2437% | 5,213 |
| Equity capital to assets | 11.1531% | 2,535 |
| Core capital (leverage) ratio | 11.9375% | 1,597 |
| Tier 1 risk-based capital ratio | 17.8601% | 2,161 |
| Total risk-based capital ratio | 19.1153% | 2,131 |
| Memoranda: | ||
| Average total assets | $88,009,000 | 5,353 |
| Average earning assets | $82,009,000 | 5,300 |
| Average equity | $9,847,500 | 5,083 |
| Average total loans | $76,387,000 | 4,377 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2275% | 536 |
| Cost of funding earning assets | 2.0314% | 539 |
| Net interest margin | 4.1961% | 2,203 |
| Noninterest income to average assets | 0.3574% | 5,251 |
| Noninterest expense to average assets | 3.6327% | 1,840 |
| Loan and lease loss provision to assets | 1.3851% | 1,086 |
| Net operating income to assets | -0.4476% | 6,352 |
| Return on assets (ROA) | -0.4476% | 6,380 |
| Pretax return on assets | -0.7512% | 6,488 |
| Return on Equity (ROE) | -3.7011% | 6,340 |
| Retained earnings to average equity (ytd only) | -3.7011% | 6,179 |
| Net charge-offs to loans | 0.3077% | 4,478 |
| Credit loss provision to net charge-offs | 520.7048% | 440 |
| Earnings coverage of net charge-offs (x) | 2.3833% | 3,946 |
| Efficiency ratio | 85.1414% | 1,790 |
| Assets per employee ($millions) | 3.3590% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9924% | 2,322 |
| Loan loss allowance to noncurrent loans | 65.8418% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 2.5912% | 2,691 |
| Noncurrent loans to loans | 3.0260% | 2,523 |
| Net loans and leases to total assets | 83.9238% | 308 |
| Net loans and leases to deposits | 102.6901% | 455 |
| Net loans and leases to core deposits | 110.7947% | 877 |
| Total domestic deposits to total assets | 81.7253% | 5,280 |
| Equity capital to assets | 11.2259% | 2,473 |
| Core capital (leverage) ratio | 12.1943% | 1,434 |
| Tier 1 risk-based capital ratio | 18.6386% | 1,807 |
| Total risk-based capital ratio | 19.9046% | 1,773 |
| Memoranda: | ||
| Average total assets | $85,335,400 | 5,429 |
| Average earning assets | $79,502,200 | 5,364 |
| Average equity | $10,321,200 | 5,032 |
| Average total loans | $73,769,200 | 4,535 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2806% | 530 |
| Cost of funding earning assets | 2.0857% | 567 |
| Net interest margin | 4.1950% | 2,235 |
| Noninterest income to average assets | 0.3662% | 5,228 |
| Noninterest expense to average assets | 3.5456% | 1,918 |
| Loan and lease loss provision to assets | 0.4621% | 3,165 |
| Net operating income to assets | 0.1603% | 5,614 |
| Return on assets (ROA) | 0.1603% | 5,769 |
| Pretax return on assets | 0.2656% | 5,575 |
| Return on Equity (ROE) | 1.3014% | 5,818 |
| Retained earnings to average equity (ytd only) | 1.3014% | 5,289 |
| Net charge-offs to loans | 0.2902% | 4,206 |
| Credit loss provision to net charge-offs | 183.7500% | 1,975 |
| Earnings coverage of net charge-offs (x) | 2.8937% | 3,683 |
| Efficiency ratio | 82.9717% | 1,952 |
| Assets per employee ($millions) | 3.3740% | 5,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 6,715 |
| Loan loss allowance to noncurrent loans | 26.2250% | 6,565 |
| Noncurrent assets plus other real estate owned to assets | 3.2158% | 2,221 |
| Noncurrent loans to loans | 3.4674% | 2,295 |
| Net loans and leases to total assets | 83.1048% | 400 |
| Net loans and leases to deposits | 102.3286% | 518 |
| Net loans and leases to core deposits | 110.3606% | 1,017 |
| Total domestic deposits to total assets | 81.2136% | 5,298 |
| Equity capital to assets | 11.7335% | 2,333 |
| Core capital (leverage) ratio | 12.8820% | 1,273 |
| Tier 1 risk-based capital ratio | 19.5007% | 1,642 |
| Total risk-based capital ratio | 20.7083% | 1,623 |
| Memoranda: | ||
| Average total assets | $84,835,750 | 5,511 |
| Average earning assets | $79,013,500 | 5,434 |
| Average equity | $10,450,500 | 5,072 |
| Average total loans | $73,515,500 | 4,618 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3592% | 447 |
| Cost of funding earning assets | 2.1436% | 565 |
| Net interest margin | 4.2156% | 2,108 |
| Noninterest income to average assets | 0.3529% | 5,323 |
| Noninterest expense to average assets | 3.5053% | 2,016 |
| Loan and lease loss provision to assets | 0.5174% | 2,724 |
| Net operating income to assets | 0.1621% | 5,686 |
| Return on assets (ROA) | 0.1621% | 5,805 |
| Pretax return on assets | 0.2551% | 5,642 |
| Return on Equity (ROE) | 1.2949% | 5,866 |
| Retained earnings to average equity (ytd only) | 1.2949% | 5,233 |
| Net charge-offs to loans | 0.2204% | 4,280 |
| Credit loss provision to net charge-offs | 267.9012% | 1,409 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,092 |
| Efficiency ratio | 81.9398% | 2,177 |
| Assets per employee ($millions) | 3.5188% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 6,702 |
| Loan loss allowance to noncurrent loans | 27.9351% | 6,496 |
| Noncurrent assets plus other real estate owned to assets | 3.4280% | 2,054 |
| Noncurrent loans to loans | 3.2777% | 2,447 |
| Net loans and leases to total assets | 85.9800% | 227 |
| Net loans and leases to deposits | 102.8164% | 544 |
| Net loans and leases to core deposits | 111.0260% | 1,098 |
| Total domestic deposits to total assets | 83.6248% | 4,281 |
| Equity capital to assets | 12.4889% | 1,810 |
| Core capital (leverage) ratio | 12.9466% | 1,226 |
| Tier 1 risk-based capital ratio | 19.8756% | 1,535 |
| Total risk-based capital ratio | 21.1139% | 1,503 |
| Memoranda: | ||
| Average total assets | $83,873,330 | 5,566 |
| Average earning assets | $78,091,330 | 5,502 |
| Average equity | $10,503,000 | 5,058 |
| Average total loans | $73,497,000 | 4,656 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3662% | 473 |
| Cost of funding earning assets | 2.1871% | 611 |
| Net interest margin | 4.1791% | 2,123 |
| Noninterest income to average assets | 0.3589% | 5,268 |
| Noninterest expense to average assets | 3.5413% | 1,877 |
| Loan and lease loss provision to assets | 0.6939% | 1,833 |
| Net operating income to assets | 0.0239% | 6,229 |
| Return on assets (ROA) | 0.0239% | 6,345 |
| Pretax return on assets | 0.0191% | 6,317 |
| Return on Equity (ROE) | 0.1908% | 6,348 |
| Retained earnings to average equity (ytd only) | 0.1908% | 5,743 |
| Net charge-offs to loans | 0.2717% | 3,326 |
| Credit loss provision to net charge-offs | 290.0000% | 1,359 |
| Earnings coverage of net charge-offs (x) | 2.9800% | 3,060 |
| Efficiency ratio | 83.2396% | 2,111 |
| Assets per employee ($millions) | 3.4816% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 6,974 |
| Loan loss allowance to noncurrent loans | 37.9518% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 2.3624% | 3,071 |
| Noncurrent loans to loans | 2.2554% | 3,453 |
| Net loans and leases to total assets | 87.3286% | 152 |
| Net loans and leases to deposits | 103.7523% | 545 |
| Net loans and leases to core deposits | 111.1280% | 1,211 |
| Total domestic deposits to total assets | 84.1703% | 4,068 |
| Equity capital to assets | 12.5542% | 1,727 |
| Core capital (leverage) ratio | 12.9805% | 1,217 |
| Tier 1 risk-based capital ratio | 19.6200% | 1,599 |
| Total risk-based capital ratio | 20.7781% | 1,583 |
| Memoranda: | ||
| Average total assets | $83,584,500 | 5,646 |
| Average earning assets | $77,911,000 | 5,574 |
| Average equity | $10,481,000 | 5,107 |
| Average total loans | $73,604,500 | 4,730 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5659% | 585 |
| Cost of funding earning assets | 2.5183% | 984 |
| Net interest margin | 4.0477% | 2,660 |
| Noninterest income to average assets | 0.3502% | 5,589 |
| Noninterest expense to average assets | 3.4811% | 2,417 |
| Loan and lease loss provision to assets | 0.4224% | 4,294 |
| Net operating income to assets | 0.1668% | 5,007 |
| Return on assets (ROA) | 0.1668% | 5,076 |
| Pretax return on assets | 0.2390% | 4,917 |
| Return on Equity (ROE) | 1.3561% | 5,131 |
| Retained earnings to average equity (ytd only) | 1.3561% | 4,103 |
| Net charge-offs to loans | 0.3988% | 4,228 |
| Credit loss provision to net charge-offs | 121.0169% | 4,411 |
| Earnings coverage of net charge-offs (x) | 1.8949% | 4,301 |
| Efficiency ratio | 84.0331% | 2,344 |
| Assets per employee ($millions) | 3.6353% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7268% | 7,319 |
| Loan loss allowance to noncurrent loans | 33.5634% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 2.1062% | 3,263 |
| Noncurrent loans to loans | 2.1655% | 3,437 |
| Net loans and leases to total assets | 87.3976% | 203 |
| Net loans and leases to deposits | 104.7251% | 612 |
| Net loans and leases to core deposits | 146.2474% | 604 |
| Total domestic deposits to total assets | 83.4543% | 4,300 |
| Equity capital to assets | 12.5247% | 1,737 |
| Core capital (leverage) ratio | 12.7363% | 1,335 |
| Tier 1 risk-based capital ratio | 19.6855% | 1,521 |
| Total risk-based capital ratio | 20.6772% | 1,530 |
| Memoranda: | ||
| Average total assets | $84,513,200 | 5,579 |
| Average earning assets | $79,181,600 | 5,483 |
| Average equity | $10,397,200 | 5,193 |
| Average total loans | $73,975,000 | 4,729 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6050% | 607 |
| Cost of funding earning assets | 2.5732% | 1,099 |
| Net interest margin | 4.0318% | 2,673 |
| Noninterest income to average assets | 0.3493% | 5,703 |
| Noninterest expense to average assets | 3.4788% | 2,333 |
| Loan and lease loss provision to assets | 0.4201% | 3,808 |
| Net operating income to assets | 0.1652% | 5,267 |
| Return on assets (ROA) | 0.1652% | 5,332 |
| Pretax return on assets | 0.2297% | 5,229 |
| Return on Equity (ROE) | 1.3489% | 5,389 |
| Retained earnings to average equity (ytd only) | 1.3489% | 4,567 |
| Net charge-offs to loans | 0.3186% | 4,046 |
| Credit loss provision to net charge-offs | 150.8475% | 3,183 |
| Earnings coverage of net charge-offs (x) | 2.3334% | 4,071 |
| Efficiency ratio | 84.2607% | 2,268 |
| Assets per employee ($millions) | 3.3258% | 5,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7639% | 7,219 |
| Loan loss allowance to noncurrent loans | 31.3999% | 6,355 |
| Noncurrent assets plus other real estate owned to assets | 2.2430% | 3,046 |
| Noncurrent loans to loans | 2.4329% | 3,095 |
| Net loans and leases to total assets | 87.9597% | 207 |
| Net loans and leases to deposits | 106.3055% | 638 |
| Net loans and leases to core deposits | 149.8944% | 581 |
| Total domestic deposits to total assets | 82.7424% | 4,345 |
| Equity capital to assets | 12.5634% | 1,910 |
| Core capital (leverage) ratio | 12.6649% | 1,515 |
| Tier 1 risk-based capital ratio | 19.6886% | 1,620 |
| Total risk-based capital ratio | 20.7363% | 1,609 |
| Memoranda: | ||
| Average total assets | $84,738,750 | 5,599 |
| Average earning assets | $79,433,250 | 5,509 |
| Average equity | $10,378,500 | 5,233 |
| Average total loans | $74,066,500 | 4,772 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5970% | 662 |
| Cost of funding earning assets | 2.6128% | 1,250 |
| Net interest margin | 3.9842% | 2,766 |
| Noninterest income to average assets | 0.3589% | 5,640 |
| Noninterest expense to average assets | 3.4690% | 2,429 |
| Loan and lease loss provision to assets | 0.4152% | 3,457 |
| Net operating income to assets | 0.1548% | 5,407 |
| Return on assets (ROA) | 0.1548% | 5,502 |
| Pretax return on assets | 0.2087% | 5,445 |
| Return on Equity (ROE) | 1.2746% | 5,547 |
| Retained earnings to average equity (ytd only) | 1.2746% | 4,634 |
| Net charge-offs to loans | 0.3585% | 3,388 |
| Credit loss provision to net charge-offs | 133.0827% | 3,506 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,089 |
| Efficiency ratio | 84.7564% | 2,389 |
| Assets per employee ($millions) | 3.4035% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6925% | 7,441 |
| Loan loss allowance to noncurrent loans | 28.4848% | 6,597 |
| Noncurrent assets plus other real estate owned to assets | 2.3881% | 2,719 |
| Noncurrent loans to loans | 2.4311% | 2,974 |
| Net loans and leases to total assets | 87.1355% | 295 |
| Net loans and leases to deposits | 105.5884% | 791 |
| Net loans and leases to core deposits | 146.2289% | 751 |
| Total domestic deposits to total assets | 82.5238% | 4,466 |
| Equity capital to assets | 12.1958% | 2,093 |
| Core capital (leverage) ratio | 12.2005% | 1,747 |
| Tier 1 risk-based capital ratio | 19.9281% | 1,595 |
| Total risk-based capital ratio | 20.9219% | 1,599 |
| Memoranda: | ||
| Average total assets | $85,269,670 | 5,609 |
| Average earning assets | $79,915,000 | 5,530 |
| Average equity | $10,356,000 | 5,265 |
| Average total loans | $74,189,330 | 4,806 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6084% | 699 |
| Cost of funding earning assets | 2.6414% | 1,443 |
| Net interest margin | 3.9670% | 2,789 |
| Noninterest income to average assets | 0.3093% | 5,970 |
| Noninterest expense to average assets | 3.3927% | 2,381 |
| Loan and lease loss provision to assets | 0.1406% | 5,145 |
| Net operating income to assets | 0.3327% | 5,149 |
| Return on assets (ROA) | 0.3327% | 5,338 |
| Pretax return on assets | 0.4920% | 5,102 |
| Return on Equity (ROE) | 2.7452% | 5,473 |
| Retained earnings to average equity (ytd only) | 2.7452% | 4,351 |
| Net charge-offs to loans | 0.6112% | 1,951 |
| Credit loss provision to net charge-offs | 26.5487% | 4,991 |
| Earnings coverage of net charge-offs (x) | 1.1947% | 4,151 |
| Efficiency ratio | 84.2841% | 2,274 |
| Assets per employee ($millions) | 3.4227% | 5,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5227% | 7,789 |
| Loan loss allowance to noncurrent loans | 23.3673% | 6,994 |
| Noncurrent assets plus other real estate owned to assets | 2.1877% | 2,616 |
| Noncurrent loans to loans | 2.2368% | 2,943 |
| Net loans and leases to total assets | 86.7450% | 362 |
| Net loans and leases to deposits | 105.8874% | 872 |
| Net loans and leases to core deposits | 145.8300% | 870 |
| Total domestic deposits to total assets | 81.9220% | 4,581 |
| Equity capital to assets | 12.1307% | 2,178 |
| Core capital (leverage) ratio | 12.5035% | 1,686 |
| Tier 1 risk-based capital ratio | 19.3453% | 1,747 |
| Total risk-based capital ratio | 20.0550% | 1,808 |
| Memoranda: | ||
| Average total assets | $85,361,000 | 5,633 |
| Average earning assets | $79,959,000 | 5,550 |
| Average equity | $10,345,500 | 5,280 |
| Average total loans | $73,955,000 | 4,835 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6854% | 2,081 |
| Cost of funding earning assets | 3.0560% | 1,656 |
| Net interest margin | 3.6293% | 4,757 |
| Noninterest income to average assets | 0.5223% | 4,450 |
| Noninterest expense to average assets | 3.4956% | 2,410 |
| Loan and lease loss provision to assets | 0.2451% | 4,462 |
| Net operating income to assets | 0.1832% | 5,902 |
| Return on assets (ROA) | 0.1832% | 5,734 |
| Pretax return on assets | 0.1559% | 5,831 |
| Return on Equity (ROE) | 1.4839% | 5,775 |
| Retained earnings to average equity (ytd only) | 1.4839% | 4,334 |
| Net charge-offs to loans | 0.2043% | 4,161 |
| Credit loss provision to net charge-offs | 141.0959% | 3,760 |
| Earnings coverage of net charge-offs (x) | 2.3082% | 4,932 |
| Efficiency ratio | 89.7099% | 1,536 |
| Assets per employee ($millions) | 3.4062% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6453% | 7,562 |
| Loan loss allowance to noncurrent loans | 34.9852% | 6,407 |
| Noncurrent assets plus other real estate owned to assets | 1.8919% | 2,599 |
| Noncurrent loans to loans | 1.8446% | 2,996 |
| Net loans and leases to total assets | 85.5168% | 661 |
| Net loans and leases to deposits | 107.4865% | 1,006 |
| Net loans and leases to core deposits | 148.1005% | 934 |
| Total domestic deposits to total assets | 79.5606% | 5,177 |
| Equity capital to assets | 12.1087% | 2,228 |
| Core capital (leverage) ratio | 12.6366% | 1,691 |
| Tier 1 risk-based capital ratio | 18.4606% | 1,927 |
| Total risk-based capital ratio | 19.2877% | 1,982 |
| Memoranda: | ||
| Average total assets | $84,048,000 | 5,562 |
| Average earning assets | $78,141,000 | 5,490 |
| Average equity | $10,378,200 | 5,298 |
| Average total loans | $71,463,600 | 4,811 |