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 | 3.7862% | 4,193 |
| Cost of funding earning assets | 0.2391% | 4,425 |
| Net interest margin | 3.5471% | 2,075 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.6079% | 1,979 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8044% | 2,861 |
| Return on assets (ROA) | 0.7524% | 3,015 |
| Pretax return on assets | 0.9255% | 2,892 |
| Return on Equity (ROE) | 8.7200% | 2,825 |
| Retained earnings to average equity (ytd only) | 4.7774% | 2,680 |
| Net charge-offs to loans | -0.0068% | 3,910 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.9522% | 1,664 |
| Assets per employee ($millions) | 4.4954% | 3,955 |
| Cash dividends to net income (ytd only)* | 45.2381% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 1,288 |
| Loan loss allowance to noncurrent loans | 129.1908% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 1,095 |
| Noncurrent loans to loans | 1.1043% | 661 |
| Net loans and leases to total assets | 45.8000% | 3,819 |
| Net loans and leases to deposits | 50.6445% | 3,932 |
| Net loans and leases to core deposits | 51.3723% | 4,052 |
| Total domestic deposits to total assets | 90.4400% | 639 |
| Equity capital to assets | 9.4215% | 2,405 |
| Core capital (leverage) ratio | 13.4718% | 919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $66,989,400 | 4,149 |
| Average earning assets | $61,909,000 | 4,117 |
| Average equity | $5,777,200 | 4,184 |
| Average total loans | $29,582,600 | 4,143 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7132% | 4,196 |
| Cost of funding earning assets | 0.1892% | 4,453 |
| Net interest margin | 3.5239% | 2,161 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.5897% | 1,978 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.8150% | 2,981 |
| Return on assets (ROA) | 0.7456% | 3,181 |
| Pretax return on assets | 0.9151% | 3,065 |
| Return on Equity (ROE) | 8.8500% | 2,965 |
| Retained earnings to average equity (ytd only) | 6.1538% | 2,585 |
| Net charge-offs to loans | -0.0046% | 3,726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.5702% | 1,616 |
| Assets per employee ($millions) | 4.3568% | 4,020 |
| Cash dividends to net income (ytd only)* | 30.4813% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 1,253 |
| Loan loss allowance to noncurrent loans | 89.2929% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 739 |
| Noncurrent loans to loans | 1.6238% | 424 |
| Net loans and leases to total assets | 45.9700% | 3,835 |
| Net loans and leases to deposits | 50.3376% | 3,923 |
| Net loans and leases to core deposits | 50.6440% | 4,027 |
| Total domestic deposits to total assets | 91.3200% | 598 |
| Equity capital to assets | 8.4251% | 2,768 |
| Core capital (leverage) ratio | 13.3983% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $66,879,000 | 4,160 |
| Average earning assets | $62,012,250 | 4,135 |
| Average equity | $5,633,250 | 4,209 |
| Average total loans | $29,145,500 | 4,169 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5984% | 4,251 |
| Cost of funding earning assets | 0.1470% | 4,480 |
| Net interest margin | 3.4514% | 2,386 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.5464% | 2,081 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.7952% | 3,099 |
| Return on assets (ROA) | 0.7538% | 3,228 |
| Pretax return on assets | 0.9230% | 3,116 |
| Return on Equity (ROE) | 8.9500% | 2,998 |
| Retained earnings to average equity (ytd only) | 4.9333% | 2,957 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.7992% | 1,576 |
| Assets per employee ($millions) | 4.4251% | 3,999 |
| Cash dividends to net income (ytd only)* | 44.8819% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 1,254 |
| Loan loss allowance to noncurrent loans | 171.6535% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 1,389 |
| Noncurrent loans to loans | 0.8599% | 882 |
| Net loans and leases to total assets | 43.8500% | 3,882 |
| Net loans and leases to deposits | 48.0106% | 3,991 |
| Net loans and leases to core deposits | 48.2982% | 4,059 |
| Total domestic deposits to total assets | 91.3300% | 546 |
| Equity capital to assets | 8.4955% | 2,870 |
| Core capital (leverage) ratio | 12.8029% | 1,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $67,388,000 | 4,171 |
| Average earning assets | $62,583,667 | 4,155 |
| Average equity | $5,675,667 | 4,231 |
| Average total loans | $28,699,333 | 4,189 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4600% | 4,309 |
| Cost of funding earning assets | 0.0952% | 4,540 |
| Net interest margin | 3.3648% | 2,723 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.5098% | 2,224 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.7538% | 3,336 |
| Return on assets (ROA) | 0.6716% | 3,481 |
| Pretax return on assets | 0.8189% | 3,427 |
| Return on Equity (ROE) | 8.0100% | 3,284 |
| Retained earnings to average equity (ytd only) | 8.0084% | 2,213 |
| Net charge-offs to loans | 0.0141% | 1,428 |
| Credit loss provision to net charge-offs | 500.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 588 |
| Efficiency ratio | 72.5724% | 1,485 |
| Assets per employee ($millions) | 4.5249% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 1,262 |
| Loan loss allowance to noncurrent loans | 166.4093% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3816% | 1,354 |
| Noncurrent loans to loans | 0.9008% | 839 |
| Net loans and leases to total assets | 41.7300% | 3,966 |
| Net loans and leases to deposits | 45.8418% | 4,041 |
| Net loans and leases to core deposits | 46.1113% | 4,106 |
| Total domestic deposits to total assets | 91.0300% | 789 |
| Equity capital to assets | 8.8386% | 2,639 |
| Core capital (leverage) ratio | 13.0415% | 965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $67,894,000 | 4,224 |
| Average earning assets | $63,006,000 | 4,205 |
| Average equity | $5,694,000 | 4,281 |
| Average total loans | $28,279,000 | 4,254 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1796% | 3,852 |
| Cost of funding earning assets | 0.0854% | 4,455 |
| Net interest margin | 3.0942% | 3,188 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.5574% | 1,948 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.5144% | 4,068 |
| Return on assets (ROA) | 0.5144% | 4,023 |
| Pretax return on assets | 0.6202% | 3,998 |
| Return on Equity (ROE) | 5.5800% | 3,913 |
| Retained earnings to average equity (ytd only) | 3.7643% | 3,474 |
| Net charge-offs to loans | -0.0186% | 4,039 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.8165% | 728 |
| Assets per employee ($millions) | 4.5277% | 4,019 |
| Cash dividends to net income (ytd only)* | 32.5714% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 1,106 |
| Loan loss allowance to noncurrent loans | 159.9251% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 1,300 |
| Noncurrent loans to loans | 0.9603% | 775 |
| Net loans and leases to total assets | 40.3100% | 4,056 |
| Net loans and leases to deposits | 43.8329% | 4,120 |
| Net loans and leases to core deposits | 44.0870% | 4,175 |
| Total domestic deposits to total assets | 91.9700% | 649 |
| Equity capital to assets | 7.9349% | 3,098 |
| Core capital (leverage) ratio | 12.6211% | 1,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $68,037,200 | 4,247 |
| Average earning assets | $63,247,600 | 4,225 |
| Average equity | $6,269,400 | 4,299 |
| Average total loans | $26,873,000 | 4,286 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0969% | 3,685 |
| Cost of funding earning assets | 0.0863% | 4,377 |
| Net interest margin | 3.0106% | 3,193 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.5817% | 1,760 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.4348% | 4,188 |
| Return on assets (ROA) | 0.4348% | 4,135 |
| Pretax return on assets | 0.5210% | 4,115 |
| Return on Equity (ROE) | 4.5600% | 4,067 |
| Retained earnings to average equity (ytd only) | 2.2189% | 3,975 |
| Net charge-offs to loans | -0.0150% | 3,878 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.4781% | 632 |
| Assets per employee ($millions) | 4.5356% | 4,026 |
| Cash dividends to net income (ytd only)* | 51.3514% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 1,210 |
| Loan loss allowance to noncurrent loans | 204.3689% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 1,738 |
| Noncurrent loans to loans | 0.7503% | 1,085 |
| Net loans and leases to total assets | 39.7400% | 4,080 |
| Net loans and leases to deposits | 43.2219% | 4,139 |
| Net loans and leases to core deposits | 43.4721% | 4,182 |
| Total domestic deposits to total assets | 91.9300% | 902 |
| Equity capital to assets | 7.8549% | 2,985 |
| Core capital (leverage) ratio | 12.1625% | 1,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $68,067,750 | 4,278 |
| Average earning assets | $63,330,750 | 4,257 |
| Average equity | $6,489,500 | 4,317 |
| Average total loans | $26,640,000 | 4,323 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0137% | 3,526 |
| Cost of funding earning assets | 0.0885% | 4,304 |
| Net interest margin | 2.9252% | 3,099 |
| Noninterest income to average assets | 0.3143% | 3,281 |
| Noninterest expense to average assets | 2.5647% | 1,741 |
| Loan and lease loss provision to assets | 0.0264% | 2,122 |
| Net operating income to assets | 0.3731% | 4,164 |
| Return on assets (ROA) | 0.3731% | 4,120 |
| Pretax return on assets | 0.4436% | 4,094 |
| Return on Equity (ROE) | 3.6965% | 4,094 |
| Retained earnings to average equity (ytd only) | 0.3784% | 4,114 |
| Net charge-offs to loans | -0.0152% | 3,765 |
| Credit loss provision to net charge-offs | -450.0000% | 3,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5111% | 652 |
| Assets per employee ($millions) | 4.5305% | 4,051 |
| Cash dividends to net income (ytd only)* | 89.7638% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5929% | 1,169 |
| Loan loss allowance to noncurrent loans | 196.6825% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 1,768 |
| Noncurrent loans to loans | 0.8099% | 1,061 |
| Net loans and leases to total assets | 37.7262% | 4,177 |
| Net loans and leases to deposits | 41.2857% | 4,216 |
| Net loans and leases to core deposits | 41.5258% | 4,279 |
| Total domestic deposits to total assets | 91.3785% | 1,072 |
| Equity capital to assets | 8.4905% | 2,771 |
| Core capital (leverage) ratio | 12.1075% | 1,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,079,000 | 4,323 |
| Average earning assets | $63,311,333 | 4,312 |
| Average equity | $6,871,333 | 4,331 |
| Average total loans | $26,368,333 | 4,386 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9336% | 3,440 |
| Cost of funding earning assets | 0.0881% | 4,270 |
| Net interest margin | 2.8454% | 2,996 |
| Noninterest income to average assets | 0.2994% | 3,326 |
| Noninterest expense to average assets | 2.6710% | 1,425 |
| Loan and lease loss provision to assets | 0.0294% | 1,840 |
| Net operating income to assets | 0.2231% | 4,295 |
| Return on assets (ROA) | 0.2231% | 4,261 |
| Pretax return on assets | 0.2524% | 4,262 |
| Return on Equity (ROE) | 2.0480% | 4,253 |
| Retained earnings to average equity (ytd only) | 2.0480% | 3,524 |
| Net charge-offs to loans | -0.0151% | 3,770 |
| Credit loss provision to net charge-offs | -500.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4573% | 526 |
| Assets per employee ($millions) | 4.2320% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 1,397 |
| Loan loss allowance to noncurrent loans | 159.5331% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 1,592 |
| Noncurrent loans to loans | 0.9726% | 933 |
| Net loans and leases to total assets | 38.4186% | 4,097 |
| Net loans and leases to deposits | 42.7096% | 4,131 |
| Net loans and leases to core deposits | 42.9628% | 4,206 |
| Total domestic deposits to total assets | 89.9530% | 1,587 |
| Equity capital to assets | 9.9318% | 1,947 |
| Core capital (leverage) ratio | 12.0260% | 1,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,139,500 | 4,346 |
| Average earning assets | $63,540,500 | 4,329 |
| Average equity | $7,422,000 | 4,322 |
| Average total loans | $26,526,000 | 4,402 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1222% | 3,640 |
| Cost of funding earning assets | 0.0931% | 4,435 |
| Net interest margin | 3.0291% | 3,114 |
| Noninterest income to average assets | 0.3119% | 3,538 |
| Noninterest expense to average assets | 2.6349% | 1,790 |
| Loan and lease loss provision to assets | 0.0270% | 2,515 |
| Net operating income to assets | 0.4080% | 4,264 |
| Return on assets (ROA) | 0.4424% | 4,239 |
| Pretax return on assets | 0.5204% | 4,226 |
| Return on Equity (ROE) | 3.5581% | 4,284 |
| Retained earnings to average equity (ytd only) | 3.5581% | 3,403 |
| Net charge-offs to loans | -0.0197% | 3,970 |
| Credit loss provision to net charge-offs | -360.0000% | 3,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8663% | 579 |
| Assets per employee ($millions) | 4.2854% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 1,497 |
| Loan loss allowance to noncurrent loans | 181.1659% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3252% | 1,940 |
| Noncurrent loans to loans | 0.8375% | 1,211 |
| Net loans and leases to total assets | 38.2458% | 4,181 |
| Net loans and leases to deposits | 43.5484% | 4,198 |
| Net loans and leases to core deposits | 43.8096% | 4,272 |
| Total domestic deposits to total assets | 87.8236% | 2,136 |
| Equity capital to assets | 11.8410% | 1,324 |
| Core capital (leverage) ratio | 11.9843% | 1,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,682,000 | 4,373 |
| Average earning assets | $62,296,000 | 4,359 |
| Average equity | $8,291,000 | 4,311 |
| Average total loans | $25,414,000 | 4,466 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1680% | 3,668 |
| Cost of funding earning assets | 0.0949% | 4,535 |
| Net interest margin | 3.0731% | 3,119 |
| Noninterest income to average assets | 0.3141% | 3,540 |
| Noninterest expense to average assets | 2.6742% | 1,652 |
| Loan and lease loss provision to assets | 0.0287% | 2,425 |
| Net operating income to assets | 0.4109% | 4,357 |
| Return on assets (ROA) | 0.4571% | 4,319 |
| Pretax return on assets | 0.5356% | 4,324 |
| Return on Equity (ROE) | 3.6316% | 4,361 |
| Retained earnings to average equity (ytd only) | 3.6316% | 3,703 |
| Net charge-offs to loans | -0.0212% | 3,992 |
| Credit loss provision to net charge-offs | -350.0000% | 3,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9975% | 518 |
| Assets per employee ($millions) | 4.2561% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5212% | 1,547 |
| Loan loss allowance to noncurrent loans | 230.6358% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 2,504 |
| Noncurrent loans to loans | 0.6596% | 1,668 |
| Net loans and leases to total assets | 37.9327% | 4,305 |
| Net loans and leases to deposits | 43.4792% | 4,329 |
| Net loans and leases to core deposits | 43.7428% | 4,391 |
| Total domestic deposits to total assets | 87.2432% | 2,247 |
| Equity capital to assets | 12.2164% | 1,303 |
| Core capital (leverage) ratio | 12.0378% | 1,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,210,750 | 4,435 |
| Average earning assets | $61,826,000 | 4,422 |
| Average equity | $8,334,000 | 4,369 |
| Average total loans | $25,110,500 | 4,531 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2157% | 3,646 |
| Cost of funding earning assets | 0.0980% | 4,594 |
| Net interest margin | 3.1177% | 2,991 |
| Noninterest income to average assets | 0.3019% | 3,625 |
| Noninterest expense to average assets | 2.7203% | 1,536 |
| Loan and lease loss provision to assets | 0.0274% | 2,431 |
| Net operating income to assets | 0.3936% | 4,394 |
| Return on assets (ROA) | 0.4635% | 4,326 |
| Pretax return on assets | 0.5459% | 4,319 |
| Return on Equity (ROE) | 3.6455% | 4,385 |
| Retained earnings to average equity (ytd only) | 3.6455% | 3,634 |
| Net charge-offs to loans | -0.0162% | 3,893 |
| Credit loss provision to net charge-offs | -450.0000% | 3,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7104% | 522 |
| Assets per employee ($millions) | 4.1613% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 1,372 |
| Loan loss allowance to noncurrent loans | 221.4689% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 2,604 |
| Noncurrent loans to loans | 0.7070% | 1,672 |
| Net loans and leases to total assets | 37.0156% | 4,425 |
| Net loans and leases to deposits | 42.5200% | 4,446 |
| Net loans and leases to core deposits | 42.7842% | 4,495 |
| Total domestic deposits to total assets | 87.0547% | 2,283 |
| Equity capital to assets | 12.4422% | 1,158 |
| Core capital (leverage) ratio | 12.0473% | 1,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,582,000 | 4,470 |
| Average earning assets | $61,199,667 | 4,460 |
| Average equity | $8,339,000 | 4,387 |
| Average total loans | $24,737,333 | 4,575 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2959% | 3,455 |
| Cost of funding earning assets | 0.0989% | 4,654 |
| Net interest margin | 3.1970% | 2,709 |
| Noninterest income to average assets | 0.3134% | 3,529 |
| Noninterest expense to average assets | 2.6919% | 1,639 |
| Loan and lease loss provision to assets | 0.0307% | 2,374 |
| Net operating income to assets | 0.4855% | 4,200 |
| Return on assets (ROA) | 0.4855% | 4,238 |
| Pretax return on assets | 0.5716% | 4,237 |
| Return on Equity (ROE) | 3.7770% | 4,327 |
| Retained earnings to average equity (ytd only) | 3.7770% | 3,571 |
| Net charge-offs to loans | -0.0163% | 3,896 |
| Credit loss provision to net charge-offs | -500.0000% | 3,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7164% | 715 |
| Assets per employee ($millions) | 4.0393% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 1,364 |
| Loan loss allowance to noncurrent loans | 215.0000% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 2,758 |
| Noncurrent loans to loans | 0.7313% | 1,775 |
| Net loans and leases to total assets | 37.4847% | 4,435 |
| Net loans and leases to deposits | 43.1990% | 4,457 |
| Net loans and leases to core deposits | 43.4758% | 4,514 |
| Total domestic deposits to total assets | 86.7722% | 2,412 |
| Equity capital to assets | 12.7559% | 977 |
| Core capital (leverage) ratio | 12.4014% | 1,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,083,000 | 4,496 |
| Average earning assets | $60,681,000 | 4,482 |
| Average equity | $8,366,500 | 4,398 |
| Average total loans | $24,587,500 | 4,603 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5475% | 3,927 |
| Cost of funding earning assets | 0.1138% | 4,832 |
| Net interest margin | 3.4337% | 2,659 |
| Noninterest income to average assets | 0.2875% | 3,765 |
| Noninterest expense to average assets | 2.7847% | 1,984 |
| Loan and lease loss provision to assets | 0.0280% | 4,048 |
| Net operating income to assets | 0.5594% | 3,875 |
| Return on assets (ROA) | 0.5998% | 3,871 |
| Pretax return on assets | 0.7102% | 3,861 |
| Return on Equity (ROE) | 4.6766% | 3,985 |
| Retained earnings to average equity (ytd only) | 4.6766% | 2,433 |
| Net charge-offs to loans | 0.1416% | 1,143 |
| Credit loss provision to net charge-offs | 52.9412% | 3,129 |
| Earnings coverage of net charge-offs (x) | 13.0588% | 2,302 |
| Efficiency ratio | 80.1431% | 882 |
| Assets per employee ($millions) | 3.8551% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5512% | 1,422 |
| Loan loss allowance to noncurrent loans | 102.6954% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 1,859 |
| Noncurrent loans to loans | 1.5105% | 878 |
| Net loans and leases to total assets | 36.8967% | 4,566 |
| Net loans and leases to deposits | 42.7271% | 4,567 |
| Net loans and leases to core deposits | 43.2228% | 4,622 |
| Total domestic deposits to total assets | 86.3543% | 2,207 |
| Equity capital to assets | 12.9530% | 1,105 |
| Core capital (leverage) ratio | 12.0958% | 1,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,352,000 | 4,456 |
| Average earning assets | $59,731,400 | 4,444 |
| Average equity | $8,253,800 | 4,396 |
| Average total loans | $24,015,800 | 4,640 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6064% | 3,995 |
| Cost of funding earning assets | 0.1167% | 4,889 |
| Net interest margin | 3.4897% | 2,619 |
| Noninterest income to average assets | 0.2935% | 3,727 |
| Noninterest expense to average assets | 2.7850% | 2,011 |
| Loan and lease loss provision to assets | 0.0297% | 3,963 |
| Net operating income to assets | 0.6057% | 3,742 |
| Return on assets (ROA) | 0.6057% | 3,845 |
| Pretax return on assets | 0.7160% | 3,870 |
| Return on Equity (ROE) | 4.7345% | 3,961 |
| Retained earnings to average equity (ytd only) | 4.7345% | 2,677 |
| Net charge-offs to loans | 0.1898% | 792 |
| Credit loss provision to net charge-offs | 41.1765% | 2,919 |
| Earnings coverage of net charge-offs (x) | 10.5294% | 2,351 |
| Efficiency ratio | 78.8915% | 953 |
| Assets per employee ($millions) | 3.9096% | 4,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 1,247 |
| Loan loss allowance to noncurrent loans | 113.8973% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 2,215 |
| Noncurrent loans to loans | 1.3573% | 1,080 |
| Net loans and leases to total assets | 36.1239% | 4,677 |
| Net loans and leases to deposits | 41.8159% | 4,703 |
| Net loans and leases to core deposits | 42.2932% | 4,740 |
| Total domestic deposits to total assets | 86.3879% | 1,902 |
| Equity capital to assets | 12.7379% | 1,311 |
| Core capital (leverage) ratio | 11.7635% | 1,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,055,750 | 4,472 |
| Average earning assets | $59,412,000 | 4,465 |
| Average equity | $8,195,000 | 4,419 |
| Average total loans | $23,879,250 | 4,672 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6739% | 4,136 |
| Cost of funding earning assets | 0.1231% | 4,937 |
| Net interest margin | 3.5507% | 2,631 |
| Noninterest income to average assets | 0.2751% | 3,828 |
| Noninterest expense to average assets | 2.7888% | 2,125 |
| Loan and lease loss provision to assets | 0.0285% | 3,897 |
| Net operating income to assets | 0.6261% | 3,653 |
| Return on assets (ROA) | 0.6261% | 3,730 |
| Pretax return on assets | 0.7399% | 3,769 |
| Return on Equity (ROE) | 4.8861% | 3,856 |
| Retained earnings to average equity (ytd only) | 4.8861% | 2,528 |
| Net charge-offs to loans | 0.2952% | 537 |
| Credit loss provision to net charge-offs | 25.7143% | 2,715 |
| Earnings coverage of net charge-offs (x) | 6.9429% | 2,405 |
| Efficiency ratio | 78.4000% | 1,016 |
| Assets per employee ($millions) | 3.8541% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 1,124 |
| Loan loss allowance to noncurrent loans | 86.8852% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6517% | 1,867 |
| Noncurrent loans to loans | 1.7849% | 789 |
| Net loans and leases to total assets | 35.9468% | 4,726 |
| Net loans and leases to deposits | 41.5827% | 4,757 |
| Net loans and leases to core deposits | 42.0632% | 4,794 |
| Total domestic deposits to total assets | 86.4467% | 1,823 |
| Equity capital to assets | 12.7261% | 1,266 |
| Core capital (leverage) ratio | 11.8966% | 1,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,253,333 | 4,492 |
| Average earning assets | $58,466,667 | 4,485 |
| Average equity | $8,104,667 | 4,446 |
| Average total loans | $23,710,333 | 4,697 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8036% | 4,227 |
| Cost of funding earning assets | 0.1254% | 5,007 |
| Net interest margin | 3.6782% | 2,402 |
| Noninterest income to average assets | 0.2833% | 3,826 |
| Noninterest expense to average assets | 2.8332% | 2,329 |
| Loan and lease loss provision to assets | 0.0322% | 3,369 |
| Net operating income to assets | 0.6890% | 3,310 |
| Return on assets (ROA) | 0.6890% | 3,380 |
| Pretax return on assets | 0.8178% | 3,367 |
| Return on Equity (ROE) | 5.3580% | 3,525 |
| Retained earnings to average equity (ytd only) | 5.3580% | 2,139 |
| Net charge-offs to loans | 0.6101% | 239 |
| Credit loss provision to net charge-offs | 13.8889% | 2,220 |
| Earnings coverage of net charge-offs (x) | 3.6667% | 2,193 |
| Efficiency ratio | 76.9231% | 1,460 |
| Assets per employee ($millions) | 3.8911% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5830% | 1,115 |
| Loan loss allowance to noncurrent loans | 82.6185% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.7116% | 1,886 |
| Noncurrent loans to loans | 1.9160% | 763 |
| Net loans and leases to total assets | 36.5501% | 4,759 |
| Net loans and leases to deposits | 42.5876% | 4,789 |
| Net loans and leases to core deposits | 43.1088% | 4,823 |
| Total domestic deposits to total assets | 85.8233% | 2,075 |
| Equity capital to assets | 13.2724% | 1,315 |
| Core capital (leverage) ratio | 12.4301% | 1,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,120,500 | 4,530 |
| Average earning assets | $57,419,500 | 4,520 |
| Average equity | $7,988,000 | 4,482 |
| Average total loans | $23,604,000 | 4,731 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0341% | 4,181 |
| Cost of funding earning assets | 0.1260% | 5,072 |
| Net interest margin | 3.9081% | 2,148 |
| Noninterest income to average assets | 0.2963% | 3,911 |
| Noninterest expense to average assets | 2.7569% | 2,727 |
| Loan and lease loss provision to assets | 0.0285% | 3,445 |
| Net operating income to assets | 0.9603% | 2,981 |
| Return on assets (ROA) | 0.9776% | 2,995 |
| Pretax return on assets | 1.1677% | 2,955 |
| Return on Equity (ROE) | 7.9463% | 3,187 |
| Retained earnings to average equity (ytd only) | 0.8629% | 4,428 |
| Net charge-offs to loans | 0.0908% | 1,825 |
| Credit loss provision to net charge-offs | 81.8182% | 2,773 |
| Earnings coverage of net charge-offs (x) | 33.7273% | 1,465 |
| Efficiency ratio | 70.1048% | 2,154 |
| Assets per employee ($millions) | 3.6461% | 4,329 |
| Cash dividends to net income (ytd only)* | 89.1410% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 888 |
| Loan loss allowance to noncurrent loans | 105.0265% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 2,050 |
| Noncurrent loans to loans | 1.5693% | 901 |
| Net loans and leases to total assets | 38.2195% | 4,791 |
| Net loans and leases to deposits | 43.9200% | 4,828 |
| Net loans and leases to core deposits | 44.4515% | 4,864 |
| Total domestic deposits to total assets | 87.0208% | 1,596 |
| Equity capital to assets | 12.4435% | 1,853 |
| Core capital (leverage) ratio | 12.0205% | 1,760 |
| Tier 1 risk-based capital ratio | 34.9785% | 330 |
| Total risk-based capital ratio | 36.2369% | 324 |
| Memoranda: | ||
| Average total assets | $63,115,200 | 4,548 |
| Average earning assets | $58,724,400 | 4,543 |
| Average equity | $7,764,600 | 4,535 |
| Average total loans | $24,227,600 | 4,776 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0100% | 4,345 |
| Cost of funding earning assets | 0.1288% | 5,147 |
| Net interest margin | 3.8813% | 2,323 |
| Noninterest income to average assets | 0.2986% | 3,954 |
| Noninterest expense to average assets | 2.7655% | 2,669 |
| Loan and lease loss provision to assets | 0.0273% | 3,357 |
| Net operating income to assets | 0.9407% | 3,202 |
| Return on assets (ROA) | 0.9443% | 3,263 |
| Pretax return on assets | 1.1230% | 3,228 |
| Return on Equity (ROE) | 7.6972% | 3,434 |
| Retained earnings to average equity (ytd only) | 7.6972% | 1,540 |
| Net charge-offs to loans | -0.0165% | 4,533 |
| Credit loss provision to net charge-offs | -433.3333% | 4,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6989% | 2,021 |
| Assets per employee ($millions) | 3.7306% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7353% | 762 |
| Loan loss allowance to noncurrent loans | 213.8462% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 3,315 |
| Noncurrent loans to loans | 0.8115% | 1,942 |
| Net loans and leases to total assets | 37.2327% | 4,893 |
| Net loans and leases to deposits | 43.1185% | 4,936 |
| Net loans and leases to core deposits | 43.6316% | 4,969 |
| Total domestic deposits to total assets | 86.3497% | 1,845 |
| Equity capital to assets | 12.9407% | 1,661 |
| Core capital (leverage) ratio | 12.3807% | 1,636 |
| Tier 1 risk-based capital ratio | 36.2571% | 314 |
| Total risk-based capital ratio | 37.5167% | 311 |
| Memoranda: | ||
| Average total assets | $63,398,000 | 4,592 |
| Average earning assets | $59,017,000 | 4,589 |
| Average equity | $7,777,500 | 4,588 |
| Average total loans | $24,262,750 | 4,843 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0059% | 4,361 |
| Cost of funding earning assets | 0.1290% | 5,194 |
| Net interest margin | 3.8769% | 2,320 |
| Noninterest income to average assets | 0.2871% | 4,021 |
| Noninterest expense to average assets | 2.7449% | 2,770 |
| Loan and lease loss provision to assets | 0.0284% | 3,255 |
| Net operating income to assets | 0.9412% | 3,127 |
| Return on assets (ROA) | 0.9465% | 3,171 |
| Pretax return on assets | 1.1232% | 3,166 |
| Return on Equity (ROE) | 7.8592% | 3,348 |
| Retained earnings to average equity (ytd only) | 7.8592% | 1,446 |
| Net charge-offs to loans | 0.1233% | 1,207 |
| Credit loss provision to net charge-offs | 60.0000% | 2,402 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 1,634 |
| Efficiency ratio | 70.5596% | 2,142 |
| Assets per employee ($millions) | 3.6697% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6690% | 873 |
| Loan loss allowance to noncurrent loans | 154.9020% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 2,873 |
| Noncurrent loans to loans | 1.0774% | 1,521 |
| Net loans and leases to total assets | 37.3038% | 4,935 |
| Net loans and leases to deposits | 43.0907% | 4,971 |
| Net loans and leases to core deposits | 43.6099% | 5,002 |
| Total domestic deposits to total assets | 86.5705% | 1,788 |
| Equity capital to assets | 12.8172% | 1,682 |
| Core capital (leverage) ratio | 12.2904% | 1,647 |
| Tier 1 risk-based capital ratio | 33.3506% | 381 |
| Total risk-based capital ratio | 34.6052% | 374 |
| Memoranda: | ||
| Average total assets | $63,390,670 | 4,633 |
| Average earning assets | $58,913,670 | 4,626 |
| Average equity | $7,634,330 | 4,633 |
| Average total loans | $24,340,330 | 4,877 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 4,309 |
| Cost of funding earning assets | 0.1342% | 5,233 |
| Net interest margin | 3.8931% | 2,208 |
| Noninterest income to average assets | 0.2692% | 4,072 |
| Noninterest expense to average assets | 2.7170% | 2,854 |
| Loan and lease loss provision to assets | 0.0313% | 3,000 |
| Net operating income to assets | 0.9747% | 2,950 |
| Return on assets (ROA) | 0.9641% | 3,036 |
| Pretax return on assets | 1.1394% | 3,015 |
| Return on Equity (ROE) | 8.2646% | 3,134 |
| Retained earnings to average equity (ytd only) | 8.2646% | 1,567 |
| Net charge-offs to loans | 0.2756% | 537 |
| Credit loss provision to net charge-offs | 29.4118% | 2,092 |
| Earnings coverage of net charge-offs (x) | 11.1176% | 1,921 |
| Efficiency ratio | 69.6629% | 2,396 |
| Assets per employee ($millions) | 3.7014% | 4,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 1,050 |
| Loan loss allowance to noncurrent loans | 169.1304% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 2,865 |
| Noncurrent loans to loans | 0.9495% | 1,761 |
| Net loans and leases to total assets | 37.8790% | 4,964 |
| Net loans and leases to deposits | 43.2734% | 5,005 |
| Net loans and leases to core deposits | 43.7838% | 5,049 |
| Total domestic deposits to total assets | 87.5342% | 1,556 |
| Equity capital to assets | 12.1019% | 1,963 |
| Core capital (leverage) ratio | 12.1819% | 1,678 |
| Tier 1 risk-based capital ratio | 33.7377% | 361 |
| Total risk-based capital ratio | 34.9955% | 353 |
| Memoranda: | ||
| Average total assets | $63,893,500 | 4,678 |
| Average earning assets | $59,592,500 | 4,660 |
| Average equity | $7,453,500 | 4,689 |
| Average total loans | $24,677,000 | 4,914 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8529% | 4,385 |
| Cost of funding earning assets | 0.1346% | 5,215 |
| Net interest margin | 3.7184% | 2,965 |
| Noninterest income to average assets | 0.3305% | 3,893 |
| Noninterest expense to average assets | 2.7132% | 2,979 |
| Loan and lease loss provision to assets | 0.0290% | 3,593 |
| Net operating income to assets | 0.9141% | 3,388 |
| Return on assets (ROA) | 0.9141% | 3,376 |
| Pretax return on assets | 1.0624% | 3,404 |
| Return on Equity (ROE) | 8.0321% | 3,423 |
| Retained earnings to average equity (ytd only) | 0.9491% | 4,715 |
| Net charge-offs to loans | 0.1242% | 1,496 |
| Credit loss provision to net charge-offs | 58.0645% | 3,122 |
| Earnings coverage of net charge-offs (x) | 21.8387% | 1,930 |
| Efficiency ratio | 71.3136% | 1,998 |
| Assets per employee ($millions) | 3.8155% | 4,159 |
| Cash dividends to net income (ytd only)* | 88.1834% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 1,043 |
| Loan loss allowance to noncurrent loans | 107.7957% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 2,325 |
| Noncurrent loans to loans | 1.4803% | 1,034 |
| Net loans and leases to total assets | 38.1250% | 5,008 |
| Net loans and leases to deposits | 43.0272% | 5,049 |
| Net loans and leases to core deposits | 43.5125% | 5,085 |
| Total domestic deposits to total assets | 88.6068% | 1,023 |
| Equity capital to assets | 11.2422% | 2,475 |
| Core capital (leverage) ratio | 11.4795% | 2,120 |
| Tier 1 risk-based capital ratio | 31.0913% | 423 |
| Total risk-based capital ratio | 32.3481% | 418 |
| Memoranda: | ||
| Average total assets | $62,029,600 | 4,718 |
| Average earning assets | $57,955,800 | 4,708 |
| Average equity | $7,059,200 | 4,737 |
| Average total loans | $24,956,400 | 4,941 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8432% | 4,334 |
| Cost of funding earning assets | 0.1352% | 5,259 |
| Net interest margin | 3.7080% | 2,992 |
| Noninterest income to average assets | 0.3414% | 3,861 |
| Noninterest expense to average assets | 2.7418% | 2,835 |
| Loan and lease loss provision to assets | 0.0304% | 3,411 |
| Net operating income to assets | 0.8893% | 3,587 |
| Return on assets (ROA) | 0.8893% | 3,587 |
| Pretax return on assets | 1.0284% | 3,636 |
| Return on Equity (ROE) | 7.7892% | 3,630 |
| Retained earnings to average equity (ytd only) | -1.7330% | 5,180 |
| Net charge-offs to loans | 0.2141% | 797 |
| Credit loss provision to net charge-offs | 35.0000% | 2,943 |
| Earnings coverage of net charge-offs (x) | 12.1755% | 2,466 |
| Efficiency ratio | 72.1396% | 1,859 |
| Assets per employee ($millions) | 3.5098% | 4,554 |
| Cash dividends to net income (ytd only)* | 122.2493% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 1,221 |
| Loan loss allowance to noncurrent loans | 93.9467% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 2,234 |
| Noncurrent loans to loans | 1.6399% | 961 |
| Net loans and leases to total assets | 39.2491% | 5,047 |
| Net loans and leases to deposits | 44.2162% | 5,108 |
| Net loans and leases to core deposits | 44.7266% | 5,148 |
| Total domestic deposits to total assets | 88.7663% | 926 |
| Equity capital to assets | 11.0026% | 2,665 |
| Core capital (leverage) ratio | 11.5119% | 2,159 |
| Tier 1 risk-based capital ratio | 31.5398% | 414 |
| Total risk-based capital ratio | 32.7969% | 410 |
| Memoranda: | ||
| Average total assets | $61,321,250 | 4,787 |
| Average earning assets | $57,208,250 | 4,776 |
| Average equity | $7,001,000 | 4,797 |
| Average total loans | $24,913,000 | 4,997 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7902% | 4,368 |
| Cost of funding earning assets | 0.1379% | 5,292 |
| Net interest margin | 3.6523% | 3,110 |
| Noninterest income to average assets | 0.3492% | 3,830 |
| Noninterest expense to average assets | 2.7643% | 2,787 |
| Loan and lease loss provision to assets | 0.0297% | 3,316 |
| Net operating income to assets | 0.8369% | 3,730 |
| Return on assets (ROA) | 0.8369% | 3,736 |
| Pretax return on assets | 0.9588% | 3,778 |
| Return on Equity (ROE) | 7.2389% | 3,821 |
| Retained earnings to average equity (ytd only) | -7.0109% | 5,361 |
| Net charge-offs to loans | 0.0483% | 1,921 |
| Credit loss provision to net charge-offs | 150.0000% | 1,577 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 1,126 |
| Efficiency ratio | 73.6611% | 1,757 |
| Assets per employee ($millions) | 3.4742% | 4,630 |
| Cash dividends to net income (ytd only)* | 196.8504% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6559% | 983 |
| Loan loss allowance to noncurrent loans | 117.4648% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.5677% | 2,524 |
| Noncurrent loans to loans | 1.4097% | 1,199 |
| Net loans and leases to total assets | 39.6012% | 5,065 |
| Net loans and leases to deposits | 44.5919% | 5,130 |
| Net loans and leases to core deposits | 45.1109% | 5,173 |
| Total domestic deposits to total assets | 88.8080% | 1,011 |
| Equity capital to assets | 11.0336% | 2,607 |
| Core capital (leverage) ratio | 11.7460% | 1,876 |
| Tier 1 risk-based capital ratio | 31.0656% | 442 |
| Total risk-based capital ratio | 32.3220% | 437 |
| Memoranda: | ||
| Average total assets | $60,703,000 | 4,860 |
| Average earning assets | $56,567,000 | 4,848 |
| Average equity | $7,017,670 | 4,842 |
| Average total loans | $24,822,670 | 5,063 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7903% | 4,242 |
| Cost of funding earning assets | 0.1441% | 5,294 |
| Net interest margin | 3.6462% | 3,002 |
| Noninterest income to average assets | 0.3211% | 4,007 |
| Noninterest expense to average assets | 2.8702% | 2,465 |
| Loan and lease loss provision to assets | 0.0268% | 3,169 |
| Net operating income to assets | 0.7226% | 4,017 |
| Return on assets (ROA) | 0.7226% | 4,023 |
| Pretax return on assets | 0.8095% | 4,120 |
| Return on Equity (ROE) | 6.1047% | 4,122 |
| Retained earnings to average equity (ytd only) | -22.1578% | 5,523 |
| Net charge-offs to loans | -0.0162% | 4,451 |
| Credit loss provision to net charge-offs | -400.0000% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4368% | 1,411 |
| Assets per employee ($millions) | 3.3206% | 4,882 |
| Cash dividends to net income (ytd only)* | 462.9630% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 920 |
| Loan loss allowance to noncurrent loans | 168.2731% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 3,162 |
| Noncurrent loans to loans | 1.0194% | 1,796 |
| Net loans and leases to total assets | 40.1650% | 5,065 |
| Net loans and leases to deposits | 45.3861% | 5,119 |
| Net loans and leases to core deposits | 45.9403% | 5,164 |
| Total domestic deposits to total assets | 88.4961% | 1,355 |
| Equity capital to assets | 11.3751% | 2,234 |
| Core capital (leverage) ratio | 11.7839% | 1,787 |
| Tier 1 risk-based capital ratio | 29.2854% | 503 |
| Total risk-based capital ratio | 30.5410% | 496 |
| Memoranda: | ||
| Average total assets | $59,786,500 | 4,932 |
| Average earning assets | $55,509,500 | 4,923 |
| Average equity | $7,076,500 | 4,886 |
| Average total loans | $24,643,000 | 5,121 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8553% | 3,870 |
| Cost of funding earning assets | 0.1682% | 5,167 |
| Net interest margin | 3.6870% | 2,848 |
| Noninterest income to average assets | 0.3333% | 4,082 |
| Noninterest expense to average assets | 2.7028% | 3,114 |
| Loan and lease loss provision to assets | 0.0497% | 3,225 |
| Net operating income to assets | 0.8100% | 3,113 |
| Return on assets (ROA) | 0.8274% | 3,086 |
| Pretax return on assets | 1.0181% | 3,503 |
| Return on Equity (ROE) | 6.8278% | 3,365 |
| Retained earnings to average equity (ytd only) | 3.7628% | 2,968 |
| Net charge-offs to loans | 0.2606% | 1,000 |
| Credit loss provision to net charge-offs | 46.1538% | 3,373 |
| Earnings coverage of net charge-offs (x) | 9.7077% | 2,760 |
| Efficiency ratio | 72.0920% | 2,210 |
| Assets per employee ($millions) | 3.3223% | 4,915 |
| Cash dividends to net income (ytd only)* | 44.8898% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6653% | 1,003 |
| Loan loss allowance to noncurrent loans | 178.4483% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 3,309 |
| Noncurrent loans to loans | 0.9332% | 1,909 |
| Net loans and leases to total assets | 40.8782% | 5,097 |
| Net loans and leases to deposits | 46.6892% | 5,173 |
| Net loans and leases to core deposits | 47.4956% | 5,208 |
| Total domestic deposits to total assets | 87.5539% | 1,728 |
| Equity capital to assets | 12.2972% | 1,642 |
| Core capital (leverage) ratio | 12.2131% | 1,491 |
| Tier 1 risk-based capital ratio | 30.8799% | 426 |
| Total risk-based capital ratio | 32.1374% | 419 |
| Memoranda: | ||
| Average total assets | $60,307,200 | 4,960 |
| Average earning assets | $55,871,400 | 4,954 |
| Average equity | $7,308,400 | 4,894 |
| Average total loans | $24,941,000 | 5,160 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8694% | 3,767 |
| Cost of funding earning assets | 0.1740% | 5,171 |
| Net interest margin | 3.6954% | 2,775 |
| Noninterest income to average assets | 0.3398% | 4,106 |
| Noninterest expense to average assets | 2.6850% | 3,108 |
| Loan and lease loss provision to assets | 0.0507% | 3,080 |
| Net operating income to assets | 0.8185% | 3,447 |
| Return on assets (ROA) | 0.8185% | 3,487 |
| Pretax return on assets | 1.0237% | 3,595 |
| Return on Equity (ROE) | 6.7788% | 3,775 |
| Retained earnings to average equity (ytd only) | 2.6860% | 4,290 |
| Net charge-offs to loans | 0.3579% | 589 |
| Credit loss provision to net charge-offs | 34.3284% | 3,049 |
| Earnings coverage of net charge-offs (x) | 7.2688% | 2,897 |
| Efficiency ratio | 71.4202% | 2,299 |
| Assets per employee ($millions) | 3.3333% | 4,937 |
| Cash dividends to net income (ytd only)* | 60.3780% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 1,145 |
| Loan loss allowance to noncurrent loans | 208.7629% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3233% | 3,761 |
| Noncurrent loans to loans | 0.7878% | 2,391 |
| Net loans and leases to total assets | 40.3650% | 5,185 |
| Net loans and leases to deposits | 46.2813% | 5,248 |
| Net loans and leases to core deposits | 47.0793% | 5,284 |
| Total domestic deposits to total assets | 87.2167% | 1,767 |
| Equity capital to assets | 12.3667% | 1,737 |
| Core capital (leverage) ratio | 12.1012% | 1,624 |
| Tier 1 risk-based capital ratio | 35.1061% | 321 |
| Total risk-based capital ratio | 36.3663% | 318 |
| Memoranda: | ||
| Average total assets | $60,433,500 | 5,012 |
| Average earning assets | $55,924,750 | 5,007 |
| Average equity | $7,297,000 | 4,945 |
| Average total loans | $24,961,250 | 5,213 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8210% | 3,824 |
| Cost of funding earning assets | 0.1781% | 5,156 |
| Net interest margin | 3.6429% | 2,863 |
| Noninterest income to average assets | 0.3037% | 4,363 |
| Noninterest expense to average assets | 2.7007% | 3,087 |
| Loan and lease loss provision to assets | 0.0495% | 2,998 |
| Net operating income to assets | 0.7594% | 3,593 |
| Return on assets (ROA) | 0.7594% | 3,643 |
| Pretax return on assets | 0.9310% | 3,823 |
| Return on Equity (ROE) | 6.3396% | 3,897 |
| Retained earnings to average equity (ytd only) | 0.1654% | 5,034 |
| Net charge-offs to loans | 0.5025% | 393 |
| Credit loss provision to net charge-offs | 23.8095% | 2,764 |
| Earnings coverage of net charge-offs (x) | 4.7143% | 2,896 |
| Efficiency ratio | 73.3632% | 2,117 |
| Assets per employee ($millions) | 3.3481% | 4,925 |
| Cash dividends to net income (ytd only)* | 97.3913% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6283% | 1,199 |
| Loan loss allowance to noncurrent loans | 110.7735% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6007% | 2,770 |
| Noncurrent loans to loans | 1.4699% | 1,286 |
| Net loans and leases to total assets | 40.1991% | 5,220 |
| Net loans and leases to deposits | 45.9505% | 5,282 |
| Net loans and leases to core deposits | 46.5115% | 5,328 |
| Total domestic deposits to total assets | 87.4836% | 1,731 |
| Equity capital to assets | 12.1364% | 1,838 |
| Core capital (leverage) ratio | 11.8082% | 1,759 |
| Tier 1 risk-based capital ratio | 30.1942% | 458 |
| Total risk-based capital ratio | 31.4493% | 456 |
| Memoranda: | ||
| Average total assets | $60,578,000 | 5,047 |
| Average earning assets | $56,163,670 | 5,046 |
| Average equity | $7,256,000 | 4,971 |
| Average total loans | $25,073,670 | 5,245 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8184% | 3,697 |
| Cost of funding earning assets | 0.1849% | 5,115 |
| Net interest margin | 3.6335% | 2,761 |
| Noninterest income to average assets | 0.3095% | 4,337 |
| Noninterest expense to average assets | 2.6344% | 3,366 |
| Loan and lease loss provision to assets | 0.0527% | 2,756 |
| Net operating income to assets | 0.7969% | 3,234 |
| Return on assets (ROA) | 0.7969% | 3,287 |
| Pretax return on assets | 0.9879% | 3,418 |
| Return on Equity (ROE) | 6.6971% | 3,554 |
| Retained earnings to average equity (ytd only) | 6.6971% | 1,982 |
| Net charge-offs to loans | 0.7906% | 212 |
| Credit loss provision to net charge-offs | 16.0000% | 2,191 |
| Earnings coverage of net charge-offs (x) | 3.1600% | 2,507 |
| Efficiency ratio | 71.6846% | 2,630 |
| Assets per employee ($millions) | 3.3913% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 1,337 |
| Loan loss allowance to noncurrent loans | 105.1680% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 2,736 |
| Noncurrent loans to loans | 1.5387% | 1,283 |
| Net loans and leases to total assets | 40.5354% | 5,230 |
| Net loans and leases to deposits | 46.2237% | 5,295 |
| Net loans and leases to core deposits | 47.0177% | 5,335 |
| Total domestic deposits to total assets | 87.6939% | 1,890 |
| Equity capital to assets | 12.0128% | 1,825 |
| Core capital (leverage) ratio | 12.0811% | 1,577 |
| Tier 1 risk-based capital ratio | 29.8064% | 488 |
| Total risk-based capital ratio | 31.0626% | 485 |
| Memoranda: | ||
| Average total assets | $60,734,500 | 5,100 |
| Average earning assets | $56,254,000 | 5,092 |
| Average equity | $7,227,000 | 5,023 |
| Average total loans | $25,297,000 | 5,291 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9210% | 3,491 |
| Cost of funding earning assets | 0.2119% | 4,911 |
| Net interest margin | 3.7091% | 2,654 |
| Noninterest income to average assets | 0.3071% | 4,542 |
| Noninterest expense to average assets | 2.6832% | 3,396 |
| Loan and lease loss provision to assets | 0.0297% | 3,763 |
| Net operating income to assets | 0.8299% | 3,162 |
| Return on assets (ROA) | 0.8471% | 3,194 |
| Pretax return on assets | 1.0551% | 3,280 |
| Return on Equity (ROE) | 7.0508% | 3,439 |
| Retained earnings to average equity (ytd only) | 4.3019% | 2,841 |
| Net charge-offs to loans | 0.0639% | 2,783 |
| Credit loss provision to net charge-offs | 112.5000% | 2,337 |
| Earnings coverage of net charge-offs (x) | 40.2500% | 1,171 |
| Efficiency ratio | 71.6175% | 2,647 |
| Assets per employee ($millions) | 3.1803% | 5,174 |
| Cash dividends to net income (ytd only)* | 38.9864% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7647% | 1,010 |
| Loan loss allowance to noncurrent loans | 78.9104% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 0.9416% | 2,018 |
| Noncurrent loans to loans | 2.2364% | 755 |
| Net loans and leases to total assets | 41.3630% | 5,260 |
| Net loans and leases to deposits | 46.9397% | 5,336 |
| Net loans and leases to core deposits | 47.7486% | 5,379 |
| Total domestic deposits to total assets | 88.1194% | 1,582 |
| Equity capital to assets | 11.7847% | 1,942 |
| Core capital (leverage) ratio | 11.8577% | 1,690 |
| Tier 1 risk-based capital ratio | 29.7337% | 488 |
| Total risk-based capital ratio | 30.9915% | 484 |
| Memoranda: | ||
| Average total assets | $60,562,400 | 5,124 |
| Average earning assets | $56,158,600 | 5,124 |
| Average equity | $7,275,800 | 5,045 |
| Average total loans | $25,031,800 | 5,352 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9272% | 3,504 |
| Cost of funding earning assets | 0.2134% | 4,942 |
| Net interest margin | 3.7138% | 2,668 |
| Noninterest income to average assets | 0.3124% | 4,535 |
| Noninterest expense to average assets | 2.7152% | 3,314 |
| Loan and lease loss provision to assets | 0.0308% | 3,617 |
| Net operating income to assets | 0.8151% | 3,297 |
| Return on assets (ROA) | 0.8383% | 3,323 |
| Pretax return on assets | 1.0407% | 3,470 |
| Return on Equity (ROE) | 6.9450% | 3,586 |
| Retained earnings to average equity (ytd only) | 6.9450% | 1,656 |
| Net charge-offs to loans | 0.0588% | 2,508 |
| Credit loss provision to net charge-offs | 127.2727% | 2,001 |
| Earnings coverage of net charge-offs (x) | 43.0798% | 1,183 |
| Efficiency ratio | 72.2482% | 2,542 |
| Assets per employee ($millions) | 3.3227% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8105% | 998 |
| Loan loss allowance to noncurrent loans | 79.6820% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 0.9464% | 2,193 |
| Noncurrent loans to loans | 2.2722% | 813 |
| Net loans and leases to total assets | 40.8959% | 5,340 |
| Net loans and leases to deposits | 47.1408% | 5,406 |
| Net loans and leases to core deposits | 47.9729% | 5,455 |
| Total domestic deposits to total assets | 86.7526% | 2,005 |
| Equity capital to assets | 12.6856% | 1,657 |
| Core capital (leverage) ratio | 11.9116% | 1,736 |
| Tier 1 risk-based capital ratio | 30.7427% | 457 |
| Total risk-based capital ratio | 32.0007% | 453 |
| Memoranda: | ||
| Average total assets | $60,596,500 | 5,173 |
| Average earning assets | $56,221,250 | 5,165 |
| Average equity | $7,314,500 | 5,090 |
| Average total loans | $24,929,000 | 5,407 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8971% | 3,618 |
| Cost of funding earning assets | 0.2155% | 4,990 |
| Net interest margin | 3.6815% | 2,776 |
| Noninterest income to average assets | 0.2925% | 4,694 |
| Noninterest expense to average assets | 2.7210% | 3,306 |
| Loan and lease loss provision to assets | 0.0296% | 3,540 |
| Net operating income to assets | 0.7890% | 3,365 |
| Return on assets (ROA) | 0.8051% | 3,424 |
| Pretax return on assets | 0.9859% | 3,636 |
| Return on Equity (ROE) | 6.7833% | 3,654 |
| Retained earnings to average equity (ytd only) | 6.7833% | 1,721 |
| Net charge-offs to loans | 0.2166% | 1,081 |
| Credit loss provision to net charge-offs | 33.3333% | 2,826 |
| Earnings coverage of net charge-offs (x) | 11.2222% | 2,278 |
| Efficiency ratio | 73.2095% | 2,478 |
| Assets per employee ($millions) | 3.3806% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7170% | 1,241 |
| Loan loss allowance to noncurrent loans | 90.3158% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 0.7806% | 2,649 |
| Noncurrent loans to loans | 1.9011% | 1,063 |
| Net loans and leases to total assets | 40.3550% | 5,404 |
| Net loans and leases to deposits | 46.2518% | 5,492 |
| Net loans and leases to core deposits | 47.0476% | 5,530 |
| Total domestic deposits to total assets | 87.2506% | 1,778 |
| Equity capital to assets | 12.2482% | 1,943 |
| Core capital (leverage) ratio | 11.5228% | 1,977 |
| Tier 1 risk-based capital ratio | 30.7395% | 466 |
| Total risk-based capital ratio | 31.9954% | 460 |
| Memoranda: | ||
| Average total assets | $60,859,330 | 5,226 |
| Average earning assets | $56,606,670 | 5,209 |
| Average equity | $7,223,670 | 5,153 |
| Average total loans | $24,935,330 | 5,465 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9609% | 3,359 |
| Cost of funding earning assets | 0.2276% | 4,927 |
| Net interest margin | 3.7334% | 2,543 |
| Noninterest income to average assets | 0.3220% | 4,428 |
| Noninterest expense to average assets | 2.7471% | 3,249 |
| Loan and lease loss provision to assets | 0.0329% | 3,217 |
| Net operating income to assets | 0.8055% | 3,216 |
| Return on assets (ROA) | 0.8215% | 3,270 |
| Pretax return on assets | 1.0121% | 3,435 |
| Return on Equity (ROE) | 7.0333% | 3,434 |
| Retained earnings to average equity (ytd only) | 7.0333% | 1,871 |
| Net charge-offs to loans | -0.0642% | 5,456 |
| Credit loss provision to net charge-offs | -125.0000% | 4,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8223% | 2,678 |
| Assets per employee ($millions) | 3.3592% | 5,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8374% | 1,080 |
| Loan loss allowance to noncurrent loans | 119.0601% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 3,158 |
| Noncurrent loans to loans | 1.5432% | 1,513 |
| Net loans and leases to total assets | 40.2911% | 5,441 |
| Net loans and leases to deposits | 46.0138% | 5,502 |
| Net loans and leases to core deposits | 46.5012% | 5,567 |
| Total domestic deposits to total assets | 87.5631% | 1,885 |
| Equity capital to assets | 12.0020% | 2,031 |
| Core capital (leverage) ratio | 11.4066% | 2,045 |
| Tier 1 risk-based capital ratio | 31.1495% | 459 |
| Total risk-based capital ratio | 32.4082% | 457 |
| Memoranda: | ||
| Average total assets | $60,864,000 | 5,274 |
| Average earning assets | $56,249,500 | 5,259 |
| Average equity | $7,109,000 | 5,211 |
| Average total loans | $24,910,500 | 5,511 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0013% | 3,302 |
| Cost of funding earning assets | 0.2472% | 4,813 |
| Net interest margin | 3.7542% | 2,540 |
| Noninterest income to average assets | 0.2453% | 5,127 |
| Noninterest expense to average assets | 2.4451% | 4,395 |
| Loan and lease loss provision to assets | 0.0278% | 3,822 |
| Net operating income to assets | 0.8886% | 2,936 |
| Return on assets (ROA) | 0.9487% | 2,697 |
| Pretax return on assets | 1.2233% | 2,581 |
| Return on Equity (ROE) | 9.1769% | 2,378 |
| Retained earnings to average equity (ytd only) | 9.1769% | 616 |
| Net charge-offs to loans | -0.0200% | 5,266 |
| Credit loss provision to net charge-offs | -360.0000% | 5,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5618% | 3,652 |
| Assets per employee ($millions) | 3.4035% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7878% | 1,156 |
| Loan loss allowance to noncurrent loans | 120.1613% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 3,252 |
| Noncurrent loans to loans | 1.4878% | 1,558 |
| Net loans and leases to total assets | 40.0829% | 5,506 |
| Net loans and leases to deposits | 45.3640% | 5,598 |
| Net loans and leases to core deposits | 45.8331% | 5,657 |
| Total domestic deposits to total assets | 88.3584% | 1,441 |
| Equity capital to assets | 11.3625% | 2,481 |
| Core capital (leverage) ratio | 10.9531% | 2,448 |
| Tier 1 risk-based capital ratio | 29.4785% | 531 |
| Total risk-based capital ratio | 30.7353% | 521 |
| Memoranda: | ||
| Average total assets | $64,824,400 | 5,203 |
| Average earning assets | $58,255,400 | 5,232 |
| Average equity | $6,701,600 | 5,297 |
| Average total loans | $24,963,600 | 5,553 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9767% | 3,428 |
| Cost of funding earning assets | 0.2530% | 4,847 |
| Net interest margin | 3.7237% | 2,667 |
| Noninterest income to average assets | 0.2435% | 5,192 |
| Noninterest expense to average assets | 2.3779% | 4,574 |
| Loan and lease loss provision to assets | 0.0264% | 3,739 |
| Net operating income to assets | 0.8892% | 3,004 |
| Return on assets (ROA) | 0.9658% | 2,727 |
| Pretax return on assets | 1.2539% | 2,583 |
| Return on Equity (ROE) | 9.5627% | 2,288 |
| Retained earnings to average equity (ytd only) | 9.5627% | 723 |
| Net charge-offs to loans | -0.0374% | 5,435 |
| Credit loss provision to net charge-offs | -185.7143% | 5,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8187% | 3,750 |
| Assets per employee ($millions) | 3.4697% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 1,340 |
| Loan loss allowance to noncurrent loans | 188.1356% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 4,254 |
| Noncurrent loans to loans | 0.9364% | 2,635 |
| Net loans and leases to total assets | 39.6452% | 5,610 |
| Net loans and leases to deposits | 44.7489% | 5,698 |
| Net loans and leases to core deposits | 45.2006% | 5,758 |
| Total domestic deposits to total assets | 88.5948% | 1,245 |
| Equity capital to assets | 10.9841% | 3,044 |
| Core capital (leverage) ratio | 10.3572% | 3,191 |
| Tier 1 risk-based capital ratio | 28.1153% | 614 |
| Total risk-based capital ratio | 29.3718% | 601 |
| Memoranda: | ||
| Average total assets | $65,714,750 | 5,248 |
| Average earning assets | $58,506,750 | 5,292 |
| Average equity | $6,636,750 | 5,382 |
| Average total loans | $24,953,750 | 5,621 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9689% | 3,408 |
| Cost of funding earning assets | 0.2600% | 4,831 |
| Net interest margin | 3.7089% | 2,671 |
| Noninterest income to average assets | 0.2365% | 5,264 |
| Noninterest expense to average assets | 2.3472% | 4,724 |
| Loan and lease loss provision to assets | 0.0269% | 3,597 |
| Net operating income to assets | 0.8518% | 3,121 |
| Return on assets (ROA) | 0.9670% | 2,658 |
| Pretax return on assets | 1.2575% | 2,518 |
| Return on Equity (ROE) | 9.8441% | 2,142 |
| Retained earnings to average equity (ytd only) | 9.8441% | 695 |
| Net charge-offs to loans | -0.0804% | 5,703 |
| Credit loss provision to net charge-offs | -90.0000% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4119% | 3,765 |
| Assets per employee ($millions) | 3.5063% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 1,427 |
| Loan loss allowance to noncurrent loans | 169.7318% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.4135% | 4,252 |
| Noncurrent loans to loans | 1.0439% | 2,558 |
| Net loans and leases to total assets | 38.9121% | 5,689 |
| Net loans and leases to deposits | 43.5505% | 5,783 |
| Net loans and leases to core deposits | 43.9810% | 5,835 |
| Total domestic deposits to total assets | 89.3494% | 980 |
| Equity capital to assets | 10.3638% | 3,596 |
| Core capital (leverage) ratio | 9.8037% | 3,856 |
| Tier 1 risk-based capital ratio | 23.5111% | 1,003 |
| Total risk-based capital ratio | 24.7666% | 992 |
| Memoranda: | ||
| Average total assets | $66,801,670 | 5,284 |
| Average earning assets | $58,454,000 | 5,350 |
| Average equity | $6,562,330 | 5,440 |
| Average total loans | $24,870,330 | 5,667 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9625% | 3,371 |
| Cost of funding earning assets | 0.2697% | 4,792 |
| Net interest margin | 3.6928% | 2,641 |
| Noninterest income to average assets | 0.2273% | 5,327 |
| Noninterest expense to average assets | 2.3425% | 4,763 |
| Loan and lease loss provision to assets | 0.0233% | 3,405 |
| Net operating income to assets | 0.7750% | 3,390 |
| Return on assets (ROA) | 0.7750% | 3,529 |
| Pretax return on assets | 0.9731% | 3,595 |
| Return on Equity (ROE) | 8.0937% | 2,913 |
| Retained earnings to average equity (ytd only) | 8.0937% | 1,535 |
| Net charge-offs to loans | -0.1129% | 5,897 |
| Credit loss provision to net charge-offs | -57.1429% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1571% | 3,462 |
| Assets per employee ($millions) | 3.8463% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7648% | 1,576 |
| Loan loss allowance to noncurrent loans | 199.5413% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 4,729 |
| Noncurrent loans to loans | 0.8844% | 3,032 |
| Net loans and leases to total assets | 34.9741% | 5,878 |
| Net loans and leases to deposits | 38.8980% | 5,956 |
| Net loans and leases to core deposits | 39.2447% | 5,997 |
| Total domestic deposits to total assets | 89.9125% | 785 |
| Equity capital to assets | 9.6109% | 4,623 |
| Core capital (leverage) ratio | 9.5219% | 4,239 |
| Tier 1 risk-based capital ratio | 21.1354% | 1,391 |
| Total risk-based capital ratio | 22.3888% | 1,369 |
| Memoranda: | ||
| Average total assets | $68,645,500 | 5,295 |
| Average earning assets | $57,842,500 | 5,425 |
| Average equity | $6,573,000 | 5,488 |
| Average total loans | $24,804,500 | 5,721 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3669% | 2,337 |
| Cost of funding earning assets | 0.3393% | 4,374 |
| Net interest margin | 4.0276% | 1,814 |
| Noninterest income to average assets | 0.2467% | 5,363 |
| Noninterest expense to average assets | 2.7402% | 3,712 |
| Loan and lease loss provision to assets | 0.0294% | 4,021 |
| Net operating income to assets | 0.8611% | 3,059 |
| Return on assets (ROA) | 0.8611% | 3,157 |
| Pretax return on assets | 1.0850% | 3,143 |
| Return on Equity (ROE) | 8.4309% | 2,890 |
| Retained earnings to average equity (ytd only) | 0.4319% | 5,578 |
| Net charge-offs to loans | 0.1888% | 2,161 |
| Credit loss provision to net charge-offs | 37.5000% | 3,723 |
| Earnings coverage of net charge-offs (x) | 14.2083% | 2,186 |
| Efficiency ratio | 71.0894% | 3,356 |
| Assets per employee ($millions) | 3.7809% | 4,381 |
| Cash dividends to net income (ytd only)* | 94.8767% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6987% | 1,776 |
| Loan loss allowance to noncurrent loans | 207.8431% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 4,837 |
| Noncurrent loans to loans | 0.8173% | 3,272 |
| Net loans and leases to total assets | 36.0521% | 5,950 |
| Net loans and leases to deposits | 39.9974% | 6,038 |
| Net loans and leases to core deposits | 40.3573% | 6,090 |
| Total domestic deposits to total assets | 90.1362% | 680 |
| Equity capital to assets | 9.5391% | 4,672 |
| Core capital (leverage) ratio | 9.5972% | 4,105 |
| Tier 1 risk-based capital ratio | 20.8517% | 1,434 |
| Total risk-based capital ratio | 22.1049% | 1,409 |
| Memoranda: | ||
| Average total assets | $61,199,000 | 5,519 |
| Average earning assets | $54,821,800 | 5,552 |
| Average equity | $6,250,800 | 5,570 |
| Average total loans | $25,428,000 | 5,765 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 2,275 |
| Cost of funding earning assets | 0.3453% | 4,390 |
| Net interest margin | 4.0387% | 1,756 |
| Noninterest income to average assets | 0.2623% | 5,336 |
| Noninterest expense to average assets | 2.8847% | 3,178 |
| Loan and lease loss provision to assets | 0.0291% | 3,827 |
| Net operating income to assets | 0.8405% | 3,230 |
| Return on assets (ROA) | 0.8405% | 3,317 |
| Pretax return on assets | 1.0445% | 3,404 |
| Return on Equity (ROE) | 8.0767% | 3,163 |
| Retained earnings to average equity (ytd only) | 8.0767% | 1,321 |
| Net charge-offs to loans | 0.2610% | 1,494 |
| Credit loss provision to net charge-offs | 26.0000% | 3,508 |
| Earnings coverage of net charge-offs (x) | 9.5793% | 2,652 |
| Efficiency ratio | 72.8766% | 3,026 |
| Assets per employee ($millions) | 3.5059% | 4,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 2,088 |
| Loan loss allowance to noncurrent loans | 325.7813% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 5,412 |
| Noncurrent loans to loans | 0.5104% | 4,398 |
| Net loans and leases to total assets | 39.0749% | 5,876 |
| Net loans and leases to deposits | 43.7410% | 5,983 |
| Net loans and leases to core deposits | 44.1680% | 6,033 |
| Total domestic deposits to total assets | 89.3324% | 1,060 |
| Equity capital to assets | 10.4489% | 3,628 |
| Core capital (leverage) ratio | 10.4974% | 3,045 |
| Tier 1 risk-based capital ratio | 22.4759% | 1,191 |
| Total risk-based capital ratio | 23.7267% | 1,175 |
| Memoranda: | ||
| Average total assets | $59,484,500 | 5,624 |
| Average earning assets | $54,438,750 | 5,628 |
| Average equity | $6,190,500 | 5,641 |
| Average total loans | $25,545,000 | 5,814 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 1,982 |
| Cost of funding earning assets | 0.3559% | 4,370 |
| Net interest margin | 4.0982% | 1,515 |
| Noninterest income to average assets | 0.2540% | 5,374 |
| Noninterest expense to average assets | 2.9926% | 2,858 |
| Loan and lease loss provision to assets | 0.0309% | 3,661 |
| Net operating income to assets | 0.8027% | 3,315 |
| Return on assets (ROA) | 0.8168% | 3,346 |
| Pretax return on assets | 1.0021% | 3,470 |
| Return on Equity (ROE) | 7.8600% | 3,181 |
| Retained earnings to average equity (ytd only) | 7.8600% | 1,380 |
| Net charge-offs to loans | 0.4046% | 1,006 |
| Credit loss provision to net charge-offs | 17.3077% | 3,229 |
| Earnings coverage of net charge-offs (x) | 5.6923% | 2,886 |
| Efficiency ratio | 74.6575% | 2,866 |
| Assets per employee ($millions) | 3.6074% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6468% | 2,299 |
| Loan loss allowance to noncurrent loans | 193.8679% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 5,000 |
| Noncurrent loans to loans | 0.8495% | 3,580 |
| Net loans and leases to total assets | 40.0261% | 5,816 |
| Net loans and leases to deposits | 44.7993% | 5,944 |
| Net loans and leases to core deposits | 45.2461% | 6,025 |
| Total domestic deposits to total assets | 89.3453% | 1,186 |
| Equity capital to assets | 10.4802% | 3,459 |
| Core capital (leverage) ratio | 11.0838% | 2,348 |
| Tier 1 risk-based capital ratio | 22.4691% | 1,194 |
| Total risk-based capital ratio | 23.7217% | 1,173 |
| Memoranda: | ||
| Average total assets | $58,277,000 | 5,706 |
| Average earning assets | $53,389,000 | 5,702 |
| Average equity | $6,056,000 | 5,704 |
| Average total loans | $25,701,330 | 5,849 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3025% | 2,507 |
| Cost of funding earning assets | 0.3592% | 4,443 |
| Net interest margin | 3.9433% | 1,946 |
| Noninterest income to average assets | 0.2537% | 5,337 |
| Noninterest expense to average assets | 3.0518% | 2,688 |
| Loan and lease loss provision to assets | 0.0282% | 3,461 |
| Net operating income to assets | 0.7471% | 3,437 |
| Return on assets (ROA) | 0.7471% | 3,520 |
| Pretax return on assets | 0.8881% | 3,748 |
| Return on Equity (ROE) | 7.2226% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.2226% | 1,931 |
| Net charge-offs to loans | -0.3528% | 6,510 |
| Credit loss provision to net charge-offs | -17.3913% | 4,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9094% | 2,659 |
| Assets per employee ($millions) | 2.9629% | 5,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8624% | 1,863 |
| Loan loss allowance to noncurrent loans | 127.5862% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.6697% | 4,107 |
| Noncurrent loans to loans | 1.4597% | 2,600 |
| Net loans and leases to total assets | 45.0227% | 5,425 |
| Net loans and leases to deposits | 50.4689% | 5,559 |
| Net loans and leases to core deposits | 51.0165% | 5,685 |
| Total domestic deposits to total assets | 89.2088% | 1,523 |
| Equity capital to assets | 10.7077% | 3,032 |
| Core capital (leverage) ratio | 11.2989% | 2,137 |
| Tier 1 risk-based capital ratio | 21.6135% | 1,355 |
| Total risk-based capital ratio | 22.8684% | 1,334 |
| Memoranda: | ||
| Average total assets | $56,753,000 | 5,795 |
| Average earning assets | $53,457,500 | 5,749 |
| Average equity | $5,870,500 | 5,780 |
| Average total loans | $26,073,500 | 5,892 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7576% | 1,420 |
| Cost of funding earning assets | 0.4381% | 4,239 |
| Net interest margin | 4.3195% | 1,062 |
| Noninterest income to average assets | 0.3813% | 4,582 |
| Noninterest expense to average assets | 3.0929% | 2,759 |
| Loan and lease loss provision to assets | 0.0335% | 4,449 |
| Net operating income to assets | 1.0138% | 2,271 |
| Return on assets (ROA) | 1.0210% | 2,303 |
| Pretax return on assets | 1.3168% | 2,085 |
| Return on Equity (ROE) | 9.5962% | 2,283 |
| Retained earnings to average equity (ytd only) | 9.5962% | 649 |
| Net charge-offs to loans | -0.0143% | 6,078 |
| Credit loss provision to net charge-offs | -450.0000% | 6,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7567% | 3,877 |
| Assets per employee ($millions) | 3.1783% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7249% | 2,323 |
| Loan loss allowance to noncurrent loans | 160.4240% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4947% | 4,755 |
| Noncurrent loans to loans | 1.0752% | 3,376 |
| Net loans and leases to total assets | 45.2124% | 5,562 |
| Net loans and leases to deposits | 50.2711% | 5,748 |
| Net loans and leases to core deposits | 50.8003% | 5,887 |
| Total domestic deposits to total assets | 89.9371% | 1,105 |
| Equity capital to assets | 9.9860% | 3,795 |
| Core capital (leverage) ratio | 11.1989% | 2,197 |
| Tier 1 risk-based capital ratio | 21.0534% | 1,409 |
| Total risk-based capital ratio | 22.3072% | 1,388 |
| Memoranda: | ||
| Average total assets | $53,768,400 | 5,923 |
| Average earning assets | $50,445,600 | 5,870 |
| Average equity | $5,721,000 | 5,873 |
| Average total loans | $28,001,800 | 5,843 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8572% | 1,218 |
| Cost of funding earning assets | 0.4531% | 4,244 |
| Net interest margin | 4.4041% | 886 |
| Noninterest income to average assets | 0.4234% | 4,344 |
| Noninterest expense to average assets | 3.1677% | 2,455 |
| Loan and lease loss provision to assets | 0.0328% | 4,365 |
| Net operating income to assets | 1.0311% | 2,255 |
| Return on assets (ROA) | 1.0408% | 2,303 |
| Pretax return on assets | 1.3507% | 2,123 |
| Return on Equity (ROE) | 9.6217% | 2,345 |
| Retained earnings to average equity (ytd only) | 9.6217% | 880 |
| Net charge-offs to loans | -0.0141% | 5,964 |
| Credit loss provision to net charge-offs | -433.3333% | 6,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7946% | 3,789 |
| Assets per employee ($millions) | 3.1798% | 5,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6593% | 2,764 |
| Loan loss allowance to noncurrent loans | 132.5444% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.6253% | 4,568 |
| Noncurrent loans to loans | 1.2519% | 3,311 |
| Net loans and leases to total assets | 49.1194% | 5,234 |
| Net loans and leases to deposits | 55.0472% | 5,451 |
| Net loans and leases to core deposits | 55.6622% | 5,654 |
| Total domestic deposits to total assets | 89.2315% | 1,439 |
| Equity capital to assets | 10.5946% | 3,169 |
| Core capital (leverage) ratio | 11.2831% | 2,214 |
| Tier 1 risk-based capital ratio | 20.6047% | 1,578 |
| Total risk-based capital ratio | 21.8595% | 1,554 |
| Memoranda: | ||
| Average total assets | $52,908,000 | 6,013 |
| Average earning assets | $49,437,750 | 5,970 |
| Average equity | $5,723,000 | 5,941 |
| Average total loans | $28,422,250 | 5,885 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 1,152 |
| Cost of funding earning assets | 0.4608% | 4,299 |
| Net interest margin | 4.4161% | 825 |
| Noninterest income to average assets | 0.4722% | 4,013 |
| Noninterest expense to average assets | 3.2594% | 2,191 |
| Loan and lease loss provision to assets | 0.0343% | 4,258 |
| Net operating income to assets | 1.0020% | 2,319 |
| Return on assets (ROA) | 1.0167% | 2,385 |
| Pretax return on assets | 1.3213% | 2,227 |
| Return on Equity (ROE) | 9.3329% | 2,481 |
| Retained earnings to average equity (ytd only) | 9.3329% | 1,016 |
| Net charge-offs to loans | -0.0277% | 6,077 |
| Credit loss provision to net charge-offs | -225.0000% | 5,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9196% | 3,656 |
| Assets per employee ($millions) | 2.8212% | 6,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5656% | 3,294 |
| Loan loss allowance to noncurrent loans | 121.9780% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.7462% | 4,344 |
| Noncurrent loans to loans | 1.2835% | 3,409 |
| Net loans and leases to total assets | 52.0801% | 4,852 |
| Net loans and leases to deposits | 58.1256% | 5,151 |
| Net loans and leases to core deposits | 58.7742% | 5,360 |
| Total domestic deposits to total assets | 89.5993% | 1,269 |
| Equity capital to assets | 10.2645% | 3,583 |
| Core capital (leverage) ratio | 11.2195% | 2,156 |
| Tier 1 risk-based capital ratio | 19.7020% | 1,796 |
| Total risk-based capital ratio | 20.9555% | 1,774 |
| Memoranda: | ||
| Average total assets | $52,525,330 | 6,061 |
| Average earning assets | $49,047,670 | 6,020 |
| Average equity | $5,721,670 | 5,992 |
| Average total loans | $28,896,330 | 5,896 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 1,287 |
| Cost of funding earning assets | 0.4655% | 4,420 |
| Net interest margin | 4.3367% | 896 |
| Noninterest income to average assets | 0.3001% | 5,298 |
| Noninterest expense to average assets | 3.3085% | 2,067 |
| Loan and lease loss provision to assets | 0.0308% | 4,070 |
| Net operating income to assets | 0.8310% | 3,003 |
| Return on assets (ROA) | 0.8310% | 3,144 |
| Pretax return on assets | 1.0464% | 3,163 |
| Return on Equity (ROE) | 7.4080% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.4080% | 1,981 |
| Net charge-offs to loans | -0.0411% | 6,044 |
| Credit loss provision to net charge-offs | -133.3333% | 5,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4386% | 3,018 |
| Assets per employee ($millions) | 2.8980% | 6,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 3,666 |
| Loan loss allowance to noncurrent loans | 116.1376% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 4,557 |
| Noncurrent loans to loans | 1.3233% | 3,578 |
| Net loans and leases to total assets | 53.9203% | 4,431 |
| Net loans and leases to deposits | 60.9958% | 4,683 |
| Net loans and leases to core deposits | 61.6996% | 4,982 |
| Total domestic deposits to total assets | 88.4000% | 2,067 |
| Equity capital to assets | 11.2434% | 2,685 |
| Core capital (leverage) ratio | 10.9566% | 2,296 |
| Tier 1 risk-based capital ratio | 19.4934% | 1,907 |
| Total risk-based capital ratio | 20.7478% | 1,878 |
| Memoranda: | ||
| Average total assets | $51,987,000 | 6,124 |
| Average earning assets | $48,977,500 | 6,071 |
| Average equity | $5,831,500 | 6,025 |
| Average total loans | $29,164,500 | 5,923 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1624% | 1,186 |
| Cost of funding earning assets | 0.6493% | 3,921 |
| Net interest margin | 4.5131% | 920 |
| Noninterest income to average assets | 0.2930% | 5,374 |
| Noninterest expense to average assets | 3.4323% | 1,982 |
| Loan and lease loss provision to assets | 0.1144% | 4,205 |
| Net operating income to assets | 0.7598% | 3,467 |
| Return on assets (ROA) | 0.8490% | 3,302 |
| Pretax return on assets | 1.0879% | 3,205 |
| Return on Equity (ROE) | 7.1171% | 3,573 |
| Retained earnings to average equity (ytd only) | -1.2956% | 6,062 |
| Net charge-offs to loans | -0.1091% | 6,838 |
| Credit loss provision to net charge-offs | -178.1250% | 6,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9325% | 2,756 |
| Assets per employee ($millions) | 2.8783% | 6,198 |
| Cash dividends to net income (ytd only)* | 118.2033% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 3,948 |
| Loan loss allowance to noncurrent loans | 128.6567% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.6466% | 4,851 |
| Noncurrent loans to loans | 1.1256% | 3,962 |
| Net loans and leases to total assets | 56.6146% | 4,183 |
| Net loans and leases to deposits | 64.4914% | 4,480 |
| Net loans and leases to core deposits | 65.2431% | 4,814 |
| Total domestic deposits to total assets | 87.7861% | 2,358 |
| Equity capital to assets | 11.1909% | 2,747 |
| Core capital (leverage) ratio | 11.0596% | 2,207 |
| Tier 1 risk-based capital ratio | 19.0143% | 1,954 |
| Total risk-based capital ratio | 20.2687% | 1,922 |
| Memoranda: | ||
| Average total assets | $49,821,000 | 6,217 |
| Average earning assets | $46,664,200 | 6,159 |
| Average equity | $5,943,400 | 6,035 |
| Average total loans | $29,325,400 | 5,981 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1929% | 1,213 |
| Cost of funding earning assets | 0.6889% | 3,863 |
| Net interest margin | 4.5040% | 979 |
| Noninterest income to average assets | 0.3109% | 5,301 |
| Noninterest expense to average assets | 3.4600% | 1,859 |
| Loan and lease loss provision to assets | 0.1406% | 3,781 |
| Net operating income to assets | 0.7325% | 3,766 |
| Return on assets (ROA) | 0.7325% | 4,015 |
| Pretax return on assets | 0.9164% | 4,040 |
| Return on Equity (ROE) | 6.0424% | 4,312 |
| Retained earnings to average equity (ytd only) | 6.0424% | 2,678 |
| Net charge-offs to loans | -0.1871% | 6,978 |
| Credit loss provision to net charge-offs | -126.8293% | 6,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6008% | 2,582 |
| Assets per employee ($millions) | 2.6990% | 6,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 3,975 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.6786% | 4,989 |
| Noncurrent loans to loans | 1.1956% | 4,062 |
| Net loans and leases to total assets | 55.9096% | 4,469 |
| Net loans and leases to deposits | 65.8468% | 4,486 |
| Net loans and leases to core deposits | 66.6442% | 4,880 |
| Total domestic deposits to total assets | 84.9086% | 3,783 |
| Equity capital to assets | 12.0005% | 2,256 |
| Core capital (leverage) ratio | 11.6189% | 1,894 |
| Tier 1 risk-based capital ratio | 20.3274% | 1,676 |
| Total risk-based capital ratio | 21.5791% | 1,648 |
| Memoranda: | ||
| Average total assets | $49,323,750 | 6,304 |
| Average earning assets | $46,062,000 | 6,249 |
| Average equity | $5,979,750 | 6,096 |
| Average total loans | $29,216,000 | 6,059 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1894% | 1,285 |
| Cost of funding earning assets | 0.7181% | 3,875 |
| Net interest margin | 4.4713% | 1,044 |
| Noninterest income to average assets | 0.2918% | 5,468 |
| Noninterest expense to average assets | 3.5257% | 1,733 |
| Loan and lease loss provision to assets | 0.1972% | 3,111 |
| Net operating income to assets | 0.6082% | 4,336 |
| Return on assets (ROA) | 0.6082% | 4,587 |
| Pretax return on assets | 0.7397% | 4,707 |
| Return on Equity (ROE) | 4.9986% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.9986% | 3,279 |
| Net charge-offs to loans | -0.2666% | 7,053 |
| Credit loss provision to net charge-offs | -123.0769% | 6,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0055% | 2,324 |
| Assets per employee ($millions) | 2.5641% | 6,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4781% | 4,124 |
| Loan loss allowance to noncurrent loans | 120.1681% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.7328% | 4,957 |
| Noncurrent loans to loans | 1.2301% | 4,087 |
| Net loans and leases to total assets | 58.6941% | 4,042 |
| Net loans and leases to deposits | 67.2658% | 4,322 |
| Net loans and leases to core deposits | 68.0955% | 4,774 |
| Total domestic deposits to total assets | 87.2570% | 2,617 |
| Equity capital to assets | 12.3961% | 1,880 |
| Core capital (leverage) ratio | 12.1298% | 1,535 |
| Tier 1 risk-based capital ratio | 20.6670% | 1,535 |
| Total risk-based capital ratio | 21.9203% | 1,516 |
| Memoranda: | ||
| Average total assets | $48,671,330 | 6,360 |
| Average earning assets | $45,400,330 | 6,304 |
| Average equity | $5,921,670 | 6,139 |
| Average total loans | $29,252,670 | 6,100 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2056% | 1,307 |
| Cost of funding earning assets | 0.7186% | 4,120 |
| Net interest margin | 4.4869% | 1,037 |
| Noninterest income to average assets | 0.3042% | 5,445 |
| Noninterest expense to average assets | 3.5685% | 1,629 |
| Loan and lease loss provision to assets | 0.2220% | 2,728 |
| Net operating income to assets | 0.6167% | 4,277 |
| Return on assets (ROA) | 0.6167% | 4,486 |
| Pretax return on assets | 0.7236% | 4,713 |
| Return on Equity (ROE) | 5.1168% | 4,731 |
| Retained earnings to average equity (ytd only) | 5.1168% | 3,488 |
| Net charge-offs to loans | -1.0215% | 7,216 |
| Credit loss provision to net charge-offs | -36.0000% | 5,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0528% | 2,342 |
| Assets per employee ($millions) | 2.3761% | 6,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 4,057 |
| Loan loss allowance to noncurrent loans | 107.2464% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.9175% | 4,684 |
| Noncurrent loans to loans | 1.4193% | 3,983 |
| Net loans and leases to total assets | 60.4491% | 3,570 |
| Net loans and leases to deposits | 69.2093% | 3,842 |
| Net loans and leases to core deposits | 69.6540% | 4,469 |
| Total domestic deposits to total assets | 87.3424% | 2,751 |
| Equity capital to assets | 12.3609% | 1,813 |
| Core capital (leverage) ratio | 11.9606% | 1,612 |
| Tier 1 risk-based capital ratio | 20.5850% | 1,567 |
| Total risk-based capital ratio | 21.8384% | 1,548 |
| Memoranda: | ||
| Average total assets | $48,648,500 | 6,411 |
| Average earning assets | $45,643,500 | 6,341 |
| Average equity | $5,863,000 | 6,188 |
| Average total loans | $29,367,500 | 6,141 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8294% | 604 |
| Cost of funding earning assets | 1.1007% | 2,670 |
| Net interest margin | 4.7287% | 707 |
| Noninterest income to average assets | 0.3309% | 5,169 |
| Noninterest expense to average assets | 3.6703% | 1,596 |
| Loan and lease loss provision to assets | 0.5084% | 2,065 |
| Net operating income to assets | 0.4113% | 4,811 |
| Return on assets (ROA) | 0.6245% | 4,063 |
| Pretax return on assets | 0.8195% | 3,913 |
| Return on Equity (ROE) | 5.1329% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.1329% | 2,548 |
| Net charge-offs to loans | 0.3318% | 3,737 |
| Credit loss provision to net charge-offs | 239.1753% | 1,013 |
| Earnings coverage of net charge-offs (x) | 4.9278% | 2,940 |
| Efficiency ratio | 77.7984% | 2,617 |
| Assets per employee ($millions) | 2.4888% | 6,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 5,593 |
| Loan loss allowance to noncurrent loans | 56.6225% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 1.2576% | 4,131 |
| Noncurrent loans to loans | 2.0430% | 3,150 |
| Net loans and leases to total assets | 58.7090% | 4,246 |
| Net loans and leases to deposits | 66.8306% | 4,619 |
| Net loans and leases to core deposits | 67.2365% | 5,131 |
| Total domestic deposits to total assets | 87.8476% | 2,251 |
| Equity capital to assets | 11.7567% | 2,301 |
| Core capital (leverage) ratio | 11.6565% | 1,787 |
| Tier 1 risk-based capital ratio | 19.8110% | 1,680 |
| Total risk-based capital ratio | 21.0123% | 1,663 |
| Memoranda: | ||
| Average total assets | $45,636,000 | 6,492 |
| Average earning assets | $42,337,200 | 6,452 |
| Average equity | $5,552,400 | 6,276 |
| Average total loans | $29,234,200 | 6,190 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9934% | 468 |
| Cost of funding earning assets | 1.1179% | 2,854 |
| Net interest margin | 4.8755% | 538 |
| Noninterest income to average assets | 0.3408% | 5,134 |
| Noninterest expense to average assets | 3.7726% | 1,355 |
| Loan and lease loss provision to assets | 0.3318% | 2,888 |
| Net operating income to assets | 0.5574% | 4,283 |
| Return on assets (ROA) | 0.7145% | 3,709 |
| Pretax return on assets | 0.9596% | 3,558 |
| Return on Equity (ROE) | 5.8176% | 4,110 |
| Retained earnings to average equity (ytd only) | 5.8176% | 2,664 |
| Net charge-offs to loans | 0.1098% | 4,906 |
| Credit loss provision to net charge-offs | 462.5000% | 599 |
| Earnings coverage of net charge-offs (x) | 15.0413% | 1,496 |
| Efficiency ratio | 77.7572% | 2,574 |
| Assets per employee ($millions) | 2.2747% | 7,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 6,324 |
| Loan loss allowance to noncurrent loans | 40.5517% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 1.5937% | 3,700 |
| Noncurrent loans to loans | 2.4371% | 2,837 |
| Net loans and leases to total assets | 64.7462% | 3,159 |
| Net loans and leases to deposits | 75.3845% | 3,437 |
| Net loans and leases to core deposits | 75.8934% | 4,204 |
| Total domestic deposits to total assets | 85.8879% | 3,276 |
| Equity capital to assets | 12.7624% | 1,749 |
| Core capital (leverage) ratio | 12.4077% | 1,479 |
| Tier 1 risk-based capital ratio | 20.8854% | 1,476 |
| Total risk-based capital ratio | 21.9829% | 1,484 |
| Memoranda: | ||
| Average total assets | $44,601,000 | 6,570 |
| Average earning assets | $41,266,250 | 6,532 |
| Average equity | $5,477,500 | 6,347 |
| Average total loans | $29,151,500 | 6,256 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9329% | 539 |
| Cost of funding earning assets | 1.1372% | 2,983 |
| Net interest margin | 4.7957% | 605 |
| Noninterest income to average assets | 0.3115% | 5,402 |
| Noninterest expense to average assets | 3.8552% | 1,272 |
| Loan and lease loss provision to assets | 0.1625% | 4,301 |
| Net operating income to assets | 0.5917% | 4,098 |
| Return on assets (ROA) | 0.6230% | 4,075 |
| Pretax return on assets | 0.8081% | 3,992 |
| Return on Equity (ROE) | 5.1416% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.1416% | 2,915 |
| Net charge-offs to loans | 0.0414% | 5,274 |
| Credit loss provision to net charge-offs | 600.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 34.3333% | 834 |
| Efficiency ratio | 80.5660% | 2,305 |
| Assets per employee ($millions) | 2.2697% | 7,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8119% | 6,849 |
| Loan loss allowance to noncurrent loans | 21.5455% | 6,664 |
| Noncurrent assets plus other real estate owned to assets | 2.4232% | 2,736 |
| Noncurrent loans to loans | 3.7683% | 1,858 |
| Net loans and leases to total assets | 63.7838% | 3,512 |
| Net loans and leases to deposits | 73.6668% | 3,853 |
| Net loans and leases to core deposits | 74.1574% | 4,562 |
| Total domestic deposits to total assets | 86.5841% | 2,998 |
| Equity capital to assets | 12.3144% | 1,894 |
| Core capital (leverage) ratio | 12.3087% | 1,449 |
| Tier 1 risk-based capital ratio | 20.3951% | 1,535 |
| Total risk-based capital ratio | 21.2750% | 1,580 |
| Memoranda: | ||
| Average total assets | $44,303,670 | 6,636 |
| Average earning assets | $41,329,000 | 6,589 |
| Average equity | $5,368,000 | 6,420 |
| Average total loans | $28,952,330 | 6,328 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9825% | 488 |
| Cost of funding earning assets | 1.1788% | 2,958 |
| Net interest margin | 4.8037% | 568 |
| Noninterest income to average assets | 0.2834% | 5,644 |
| Noninterest expense to average assets | 3.9672% | 1,078 |
| Loan and lease loss provision to assets | 0.1463% | 4,184 |
| Net operating income to assets | 0.5137% | 4,438 |
| Return on assets (ROA) | 0.5576% | 4,327 |
| Pretax return on assets | 0.6947% | 4,322 |
| Return on Equity (ROE) | 4.6414% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.6414% | 3,402 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4615% | 2,024 |
| Assets per employee ($millions) | 2.2133% | 7,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7727% | 6,968 |
| Loan loss allowance to noncurrent loans | 21.4836% | 6,711 |
| Noncurrent assets plus other real estate owned to assets | 2.3450% | 2,900 |
| Noncurrent loans to loans | 3.5969% | 2,064 |
| Net loans and leases to total assets | 64.6899% | 3,310 |
| Net loans and leases to deposits | 74.9725% | 3,596 |
| Net loans and leases to core deposits | 75.4844% | 4,363 |
| Total domestic deposits to total assets | 86.2849% | 3,341 |
| Equity capital to assets | 12.0479% | 1,887 |
| Core capital (leverage) ratio | 12.4772% | 1,334 |
| Tier 1 risk-based capital ratio | 20.1503% | 1,558 |
| Total risk-based capital ratio | 20.9802% | 1,618 |
| Memoranda: | ||
| Average total assets | $43,758,500 | 6,701 |
| Average earning assets | $40,719,000 | 6,657 |
| Average equity | $5,257,000 | 6,466 |
| Average total loans | $28,833,000 | 6,380 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0221% | 815 |
| Cost of funding earning assets | 1.3184% | 3,761 |
| Net interest margin | 4.7037% | 811 |
| Noninterest income to average assets | 0.2766% | 5,800 |
| Noninterest expense to average assets | 3.8114% | 1,468 |
| Loan and lease loss provision to assets | 0.2022% | 5,221 |
| Net operating income to assets | 0.5197% | 4,003 |
| Return on assets (ROA) | 0.5880% | 3,887 |
| Pretax return on assets | 0.6972% | 3,985 |
| Return on Equity (ROE) | 4.8538% | 4,134 |
| Retained earnings to average equity (ytd only) | 4.8538% | 2,507 |
| Net charge-offs to loans | 0.8337% | 2,550 |
| Credit loss provision to net charge-offs | 38.1579% | 6,414 |
| Earnings coverage of net charge-offs (x) | 1.5439% | 4,587 |
| Efficiency ratio | 82.3293% | 2,120 |
| Assets per employee ($millions) | 2.1626% | 7,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7186% | 7,112 |
| Loan loss allowance to noncurrent loans | 26.3024% | 6,518 |
| Noncurrent assets plus other real estate owned to assets | 1.8196% | 3,603 |
| Noncurrent loans to loans | 2.7319% | 2,789 |
| Net loans and leases to total assets | 66.1264% | 3,444 |
| Net loans and leases to deposits | 76.0321% | 3,836 |
| Net loans and leases to core deposits | 76.5551% | 4,633 |
| Total domestic deposits to total assets | 86.9717% | 2,833 |
| Equity capital to assets | 11.9786% | 1,931 |
| Core capital (leverage) ratio | 12.1948% | 1,433 |
| Tier 1 risk-based capital ratio | 19.8812% | 1,506 |
| Total risk-based capital ratio | 20.6497% | 1,589 |
| Memoranda: | ||
| Average total assets | $43,028,400 | 6,763 |
| Average earning assets | $39,820,000 | 6,723 |
| Average equity | $5,212,400 | 6,592 |
| Average total loans | $27,348,400 | 6,538 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9367% | 1,060 |
| Cost of funding earning assets | 1.3170% | 4,126 |
| Net interest margin | 4.6197% | 1,007 |
| Noninterest income to average assets | 0.2668% | 5,985 |
| Noninterest expense to average assets | 3.8659% | 1,250 |
| Loan and lease loss provision to assets | 0.2606% | 4,501 |
| Net operating income to assets | 0.3741% | 4,867 |
| Return on assets (ROA) | 0.3940% | 4,956 |
| Pretax return on assets | 0.4282% | 5,145 |
| Return on Equity (ROE) | 3.2437% | 5,122 |
| Retained earnings to average equity (ytd only) | 3.2437% | 4,159 |
| Net charge-offs to loans | 1.1315% | 1,804 |
| Credit loss provision to net charge-offs | 36.6812% | 6,068 |
| Earnings coverage of net charge-offs (x) | 0.9389% | 5,125 |
| Efficiency ratio | 85.2841% | 1,705 |
| Assets per employee ($millions) | 2.2023% | 7,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7277% | 7,152 |
| Loan loss allowance to noncurrent loans | 26.7457% | 6,533 |
| Noncurrent assets plus other real estate owned to assets | 1.7232% | 3,861 |
| Noncurrent loans to loans | 2.7208% | 2,917 |
| Net loans and leases to total assets | 62.8743% | 4,354 |
| Net loans and leases to deposits | 72.6965% | 4,737 |
| Net loans and leases to core deposits | 73.1845% | 5,385 |
| Total domestic deposits to total assets | 86.4888% | 2,807 |
| Equity capital to assets | 12.2443% | 2,010 |
| Core capital (leverage) ratio | 11.9887% | 1,675 |
| Tier 1 risk-based capital ratio | 19.2639% | 1,692 |
| Total risk-based capital ratio | 20.0118% | 1,771 |
| Memoranda: | ||
| Average total assets | $42,972,500 | 6,854 |
| Average earning assets | $39,684,500 | 6,810 |
| Average equity | $5,220,250 | 6,663 |
| Average total loans | $26,983,500 | 6,643 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9686% | 1,021 |
| Cost of funding earning assets | 1.3213% | 4,404 |
| Net interest margin | 4.6474% | 900 |
| Noninterest income to average assets | 0.2534% | 6,099 |
| Noninterest expense to average assets | 3.9047% | 1,179 |
| Loan and lease loss provision to assets | 0.0235% | 6,706 |
| Net operating income to assets | 0.5205% | 4,235 |
| Return on assets (ROA) | 0.5491% | 4,238 |
| Pretax return on assets | 0.6336% | 4,458 |
| Return on Equity (ROE) | 4.5325% | 4,523 |
| Retained earnings to average equity (ytd only) | 4.5325% | 3,189 |
| Net charge-offs to loans | 0.0900% | 5,238 |
| Credit loss provision to net charge-offs | 41.6667% | 5,585 |
| Earnings coverage of net charge-offs (x) | 11.0833% | 1,805 |
| Efficiency ratio | 86.2176% | 1,684 |
| Assets per employee ($millions) | 2.1863% | 7,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 5,139 |
| Loan loss allowance to noncurrent loans | 34.4444% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 2.2641% | 3,179 |
| Noncurrent loans to loans | 3.6523% | 2,157 |
| Net loans and leases to total assets | 61.2107% | 4,838 |
| Net loans and leases to deposits | 70.5977% | 5,195 |
| Net loans and leases to core deposits | 71.0701% | 5,763 |
| Total domestic deposits to total assets | 86.7036% | 2,704 |
| Equity capital to assets | 12.1507% | 2,014 |
| Core capital (leverage) ratio | 12.0676% | 1,609 |
| Tier 1 risk-based capital ratio | 20.1273% | 1,494 |
| Total risk-based capital ratio | 21.3768% | 1,462 |
| Memoranda: | ||
| Average total assets | $42,615,000 | 6,916 |
| Average earning assets | $39,205,000 | 6,880 |
| Average equity | $5,162,670 | 6,724 |
| Average total loans | $26,679,330 | 6,713 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0905% | 791 |
| Cost of funding earning assets | 1.3443% | 4,533 |
| Net interest margin | 4.7463% | 711 |
| Noninterest income to average assets | 0.2568% | 6,095 |
| Noninterest expense to average assets | 4.0134% | 1,014 |
| Loan and lease loss provision to assets | 0.0190% | 6,449 |
| Net operating income to assets | 0.5231% | 4,269 |
| Return on assets (ROA) | 0.5231% | 4,409 |
| Pretax return on assets | 0.5896% | 4,649 |
| Return on Equity (ROE) | 4.3243% | 4,750 |
| Retained earnings to average equity (ytd only) | 4.3243% | 3,557 |
| Net charge-offs to loans | -0.0302% | 7,198 |
| Credit loss provision to net charge-offs | -100.0000% | 6,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8313% | 1,705 |
| Assets per employee ($millions) | 2.1245% | 7,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 4,814 |
| Loan loss allowance to noncurrent loans | 45.1282% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 1.8357% | 3,725 |
| Noncurrent loans to loans | 2.9288% | 2,749 |
| Net loans and leases to total assets | 61.8498% | 4,790 |
| Net loans and leases to deposits | 70.5465% | 5,261 |
| Net loans and leases to core deposits | 71.0251% | 5,830 |
| Total domestic deposits to total assets | 87.6724% | 2,252 |
| Equity capital to assets | 12.1699% | 1,948 |
| Core capital (leverage) ratio | 12.4124% | 1,442 |
| Tier 1 risk-based capital ratio | 20.2006% | 1,483 |
| Total risk-based capital ratio | 21.4540% | 1,450 |
| Memoranda: | ||
| Average total assets | $42,059,500 | 7,015 |
| Average earning assets | $38,683,000 | 6,992 |
| Average equity | $5,087,500 | 6,821 |
| Average total loans | $26,466,000 | 6,811 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2346% | 1,155 |
| Cost of funding earning assets | 1.5889% | 5,079 |
| Net interest margin | 4.6458% | 908 |
| Noninterest income to average assets | 0.2460% | 6,341 |
| Noninterest expense to average assets | 3.6164% | 2,107 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7476% | 2,733 |
| Return on assets (ROA) | 0.7476% | 2,823 |
| Pretax return on assets | 0.9376% | 2,806 |
| Return on Equity (ROE) | 6.2153% | 3,119 |
| Retained earnings to average equity (ytd only) | 6.2153% | 1,264 |
| Net charge-offs to loans | -0.0404% | 7,833 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4118% | 2,964 |
| Assets per employee ($millions) | 2.0815% | 7,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 4,626 |
| Loan loss allowance to noncurrent loans | 46.9003% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 1.7824% | 3,697 |
| Noncurrent loans to loans | 2.8213% | 2,736 |
| Net loans and leases to total assets | 62.3412% | 4,920 |
| Net loans and leases to deposits | 70.9789% | 5,473 |
| Net loans and leases to core deposits | 74.8112% | 6,484 |
| Total domestic deposits to total assets | 87.8306% | 2,055 |
| Equity capital to assets | 12.0205% | 2,029 |
| Core capital (leverage) ratio | 12.4930% | 1,461 |
| Tier 1 risk-based capital ratio | 20.0621% | 1,450 |
| Total risk-based capital ratio | 21.3126% | 1,413 |
| Memoranda: | ||
| Average total assets | $41,063,000 | 7,050 |
| Average earning assets | $38,077,600 | 7,011 |
| Average equity | $4,939,400 | 6,963 |
| Average total loans | $24,749,600 | 6,928 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2525% | 1,238 |
| Cost of funding earning assets | 1.6253% | 5,284 |
| Net interest margin | 4.6272% | 944 |
| Noninterest income to average assets | 0.2411% | 6,510 |
| Noninterest expense to average assets | 3.4928% | 2,303 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8080% | 2,780 |
| Return on assets (ROA) | 0.8080% | 2,845 |
| Pretax return on assets | 1.0524% | 2,730 |
| Return on Equity (ROE) | 6.7163% | 3,209 |
| Retained earnings to average equity (ytd only) | 6.7163% | 1,624 |
| Net charge-offs to loans | -0.0602% | 7,874 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8459% | 3,351 |
| Assets per employee ($millions) | 2.2625% | 7,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 4,007 |
| Loan loss allowance to noncurrent loans | 49.7151% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 1.7238% | 3,781 |
| Noncurrent loans to loans | 2.7937% | 2,719 |
| Net loans and leases to total assets | 60.8447% | 5,449 |
| Net loans and leases to deposits | 69.9498% | 5,924 |
| Net loans and leases to core deposits | 73.8481% | 6,738 |
| Total domestic deposits to total assets | 86.9834% | 2,189 |
| Equity capital to assets | 12.5648% | 1,909 |
| Core capital (leverage) ratio | 12.5507% | 1,560 |
| Tier 1 risk-based capital ratio | 20.4335% | 1,470 |
| Total risk-based capital ratio | 21.6856% | 1,427 |
| Memoranda: | ||
| Average total assets | $40,921,500 | 7,108 |
| Average earning assets | $38,063,750 | 7,066 |
| Average equity | $4,923,250 | 7,029 |
| Average total loans | $24,362,000 | 7,010 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1763% | 1,539 |
| Cost of funding earning assets | 1.6921% | 5,313 |
| Net interest margin | 4.4842% | 1,205 |
| Noninterest income to average assets | 0.2245% | 6,685 |
| Noninterest expense to average assets | 3.4060% | 2,608 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7661% | 2,987 |
| Return on assets (ROA) | 0.7661% | 3,093 |
| Pretax return on assets | 0.9954% | 3,032 |
| Return on Equity (ROE) | 6.4627% | 3,457 |
| Retained earnings to average equity (ytd only) | 6.4627% | 1,814 |
| Net charge-offs to loans | -0.0830% | 7,925 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3836% | 3,442 |
| Assets per employee ($millions) | 2.2495% | 7,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 3,624 |
| Loan loss allowance to noncurrent loans | 51.8629% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 1.6572% | 3,715 |
| Noncurrent loans to loans | 2.7368% | 2,633 |
| Net loans and leases to total assets | 59.6923% | 5,734 |
| Net loans and leases to deposits | 68.0443% | 6,182 |
| Net loans and leases to core deposits | 72.4716% | 6,873 |
| Total domestic deposits to total assets | 87.7257% | 1,917 |
| Equity capital to assets | 11.9878% | 2,214 |
| Core capital (leverage) ratio | 12.1120% | 1,788 |
| Tier 1 risk-based capital ratio | 20.5324% | 1,478 |
| Total risk-based capital ratio | 21.7846% | 1,440 |
| Memoranda: | ||
| Average total assets | $40,987,000 | 7,168 |
| Average earning assets | $38,178,330 | 7,125 |
| Average equity | $4,858,670 | 7,121 |
| Average total loans | $24,106,670 | 7,074 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0167% | 2,293 |
| Cost of funding earning assets | 1.7684% | 5,272 |
| Net interest margin | 4.2483% | 1,755 |
| Noninterest income to average assets | 0.2134% | 6,769 |
| Noninterest expense to average assets | 3.4340% | 2,268 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5723% | 4,133 |
| Return on assets (ROA) | 0.5723% | 4,329 |
| Pretax return on assets | 0.7178% | 4,368 |
| Return on Equity (ROE) | 4.8550% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.8550% | 3,209 |
| Net charge-offs to loans | -0.0167% | 7,390 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7103% | 2,449 |
| Assets per employee ($millions) | 2.4168% | 7,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 3,347 |
| Loan loss allowance to noncurrent loans | 42.1642% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 1.9569% | 2,968 |
| Noncurrent loans to loans | 3.3910% | 1,891 |
| Net loans and leases to total assets | 56.8845% | 6,111 |
| Net loans and leases to deposits | 64.8582% | 6,476 |
| Net loans and leases to core deposits | 69.2043% | 7,069 |
| Total domestic deposits to total assets | 87.7060% | 1,885 |
| Equity capital to assets | 11.9265% | 2,308 |
| Core capital (leverage) ratio | 11.9211% | 1,933 |
| Tier 1 risk-based capital ratio | 20.6324% | 1,500 |
| Total risk-based capital ratio | 21.8860% | 1,474 |
| Memoranda: | ||
| Average total assets | $41,235,000 | 7,194 |
| Average earning assets | $38,227,000 | 7,160 |
| Average equity | $4,861,000 | 7,170 |
| Average total loans | $23,901,000 | 7,137 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9443% | 1,270 |
| Cost of funding earning assets | 2.1482% | 5,840 |
| Net interest margin | 4.7961% | 786 |
| Noninterest income to average assets | 0.1957% | 7,051 |
| Noninterest expense to average assets | 3.4074% | 2,651 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8610% | 3,168 |
| Return on assets (ROA) | 0.8610% | 3,017 |
| Pretax return on assets | 1.1790% | 2,728 |
| Return on Equity (ROE) | 7.0811% | 3,487 |
| Retained earnings to average equity (ytd only) | -2.9773% | 6,102 |
| Net charge-offs to loans | -0.0346% | 7,988 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2933% | 3,523 |
| Assets per employee ($millions) | 2.2992% | 7,566 |
| Cash dividends to net income (ytd only)* | 142.0455% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 3,174 |
| Loan loss allowance to noncurrent loans | 120.2847% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.6790% | 5,190 |
| Noncurrent loans to loans | 1.1664% | 4,194 |
| Net loans and leases to total assets | 57.3976% | 6,291 |
| Net loans and leases to deposits | 65.1795% | 6,700 |
| Net loans and leases to core deposits | 69.8503% | 7,199 |
| Total domestic deposits to total assets | 88.0609% | 1,448 |
| Equity capital to assets | 11.6516% | 2,529 |
| Core capital (leverage) ratio | 11.6105% | 2,187 |
| Tier 1 risk-based capital ratio | 20.1504% | 1,593 |
| Total risk-based capital ratio | 21.4028% | 1,559 |
| Memoranda: | ||
| Average total assets | $40,882,200 | 7,177 |
| Average earning assets | $37,426,600 | 7,177 |
| Average equity | $4,971,000 | 7,153 |
| Average total loans | $23,152,400 | 7,128 |