Home > Citizens Bank > Performance and Condition Ratios
Citizens Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1369% | 1,779 |
| Cost of funding earning assets | 1.4768% | 2,000 |
| Net interest margin | 3.6600% | 1,837 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.9470% | 1,198 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.0450% | 2,081 |
| Return on assets (ROA) | 1.0450% | 2,048 |
| Pretax return on assets | 1.0450% | 2,550 |
| Return on Equity (ROE) | 13.1100% | 1,698 |
| Retained earnings to average equity (ytd only) | 5.4096% | 2,443 |
| Net charge-offs to loans | 0.0300% | 1,707 |
| Credit loss provision to net charge-offs | 39.2157% | 2,242 |
| Earnings coverage of net charge-offs (x) | 42.2157% | 1,413 |
| Efficiency ratio | 73.6410% | 1,490 |
| Assets per employee ($millions) | 4.3712% | 4,007 |
| Cash dividends to net income (ytd only)* | 58.7436% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 2,314 |
| Loan loss allowance to noncurrent loans | 417.4603% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 2,014 |
| Noncurrent loans to loans | 0.2867% | 2,148 |
| Net loans and leases to total assets | 82.7900% | 363 |
| Net loans and leases to deposits | 96.3421% | 756 |
| Net loans and leases to core deposits | 107.0024% | 1,069 |
| Total domestic deposits to total assets | 85.9300% | 2,044 |
| Equity capital to assets | 7.9169% | 3,467 |
| Core capital (leverage) ratio | 8.1171% | 4,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3869% | 2,459 |
| Memoranda: | ||
| Average total assets | $204,108,200 | 2,964 |
| Average earning assets | $188,441,800 | 2,958 |
| Average equity | $16,267,400 | 3,160 |
| Average total loans | $170,047,200 | 2,520 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0352% | 1,763 |
| Cost of funding earning assets | 1.3382% | 2,034 |
| Net interest margin | 3.6970% | 1,779 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.9234% | 1,185 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.0486% | 2,223 |
| Return on assets (ROA) | 1.0486% | 2,212 |
| Pretax return on assets | 1.0486% | 2,715 |
| Return on Equity (ROE) | 13.1300% | 1,873 |
| Retained earnings to average equity (ytd only) | 9.6074% | 1,514 |
| Net charge-offs to loans | 0.0395% | 1,321 |
| Credit loss provision to net charge-offs | 40.0000% | 1,934 |
| Earnings coverage of net charge-offs (x) | 32.2800% | 1,557 |
| Efficiency ratio | 73.3575% | 1,413 |
| Assets per employee ($millions) | 4.4045% | 3,996 |
| Cash dividends to net income (ytd only)* | 26.8507% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 2,242 |
| Loan loss allowance to noncurrent loans | 435.8178% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 2,089 |
| Noncurrent loans to loans | 0.2815% | 2,229 |
| Net loans and leases to total assets | 81.8800% | 445 |
| Net loans and leases to deposits | 95.4725% | 784 |
| Net loans and leases to core deposits | 106.2656% | 1,003 |
| Total domestic deposits to total assets | 85.7600% | 2,266 |
| Equity capital to assets | 8.0145% | 3,051 |
| Core capital (leverage) ratio | 8.3327% | 4,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8284% | 2,334 |
| Memoranda: | ||
| Average total assets | $202,681,000 | 2,975 |
| Average earning assets | $186,919,500 | 2,978 |
| Average equity | $16,181,500 | 3,150 |
| Average total loans | $168,608,500 | 2,537 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8852% | 1,797 |
| Cost of funding earning assets | 1.1890% | 2,027 |
| Net interest margin | 3.6962% | 1,822 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.9348% | 1,149 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.0157% | 2,380 |
| Return on assets (ROA) | 1.0157% | 2,371 |
| Pretax return on assets | 1.0157% | 2,871 |
| Return on Equity (ROE) | 12.7400% | 1,960 |
| Retained earnings to average equity (ytd only) | 8.2269% | 1,898 |
| Net charge-offs to loans | 0.0286% | 1,315 |
| Credit loss provision to net charge-offs | 83.3333% | 1,536 |
| Earnings coverage of net charge-offs (x) | 43.4167% | 1,359 |
| Efficiency ratio | 73.9174% | 1,354 |
| Assets per employee ($millions) | 4.5611% | 3,908 |
| Cash dividends to net income (ytd only)* | 35.4207% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,083 |
| Loan loss allowance to noncurrent loans | 455.3419% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 2,044 |
| Noncurrent loans to loans | 0.2785% | 2,150 |
| Net loans and leases to total assets | 80.8500% | 539 |
| Net loans and leases to deposits | 94.1830% | 846 |
| Net loans and leases to core deposits | 103.1625% | 1,086 |
| Total domestic deposits to total assets | 85.8400% | 2,284 |
| Equity capital to assets | 7.9025% | 3,282 |
| Core capital (leverage) ratio | 8.2492% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8612% | 2,349 |
| Memoranda: | ||
| Average total assets | $201,237,000 | 2,995 |
| Average earning assets | $185,705,000 | 2,992 |
| Average equity | $16,045,000 | 3,182 |
| Average total loans | $167,609,333 | 2,540 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7119% | 1,814 |
| Cost of funding earning assets | 1.0647% | 1,849 |
| Net interest margin | 3.6471% | 2,016 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.9353% | 1,167 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.9336% | 2,742 |
| Return on assets (ROA) | 0.9336% | 2,700 |
| Pretax return on assets | 0.9336% | 3,163 |
| Return on Equity (ROE) | 11.6600% | 2,305 |
| Retained earnings to average equity (ytd only) | 5.1386% | 2,996 |
| Net charge-offs to loans | 0.0860% | 652 |
| Credit loss provision to net charge-offs | 55.5556% | 1,290 |
| Earnings coverage of net charge-offs (x) | 13.4722% | 1,588 |
| Efficiency ratio | 75.0899% | 1,239 |
| Assets per employee ($millions) | 4.4083% | 4,072 |
| Cash dividends to net income (ytd only)* | 55.9140% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 2,270 |
| Loan loss allowance to noncurrent loans | 291.0714% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 1,356 |
| Noncurrent loans to loans | 0.4310% | 1,642 |
| Net loans and leases to total assets | 82.2500% | 349 |
| Net loans and leases to deposits | 96.0131% | 651 |
| Net loans and leases to core deposits | 102.5756% | 982 |
| Total domestic deposits to total assets | 85.6700% | 2,686 |
| Equity capital to assets | 7.8132% | 3,376 |
| Core capital (leverage) ratio | 8.2259% | 4,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6084% | 2,533 |
| Memoranda: | ||
| Average total assets | $199,230,000 | 3,045 |
| Average earning assets | $183,706,000 | 3,037 |
| Average equity | $15,957,500 | 3,220 |
| Average total loans | $167,377,500 | 2,567 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 957 |
| Cost of funding earning assets | 0.6391% | 756 |
| Net interest margin | 3.7171% | 1,340 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 3.0001% | 969 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0498% | 2,375 |
| Return on assets (ROA) | 1.0498% | 2,319 |
| Pretax return on assets | 1.0498% | 2,915 |
| Return on Equity (ROE) | 11.8300% | 2,201 |
| Retained earnings to average equity (ytd only) | 2.9135% | 3,744 |
| Net charge-offs to loans | 0.0382% | 1,333 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 33.1897% | 1,627 |
| Efficiency ratio | 74.0776% | 1,213 |
| Assets per employee ($millions) | 4.3484% | 4,114 |
| Cash dividends to net income (ytd only)* | 75.3766% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 3,498 |
| Loan loss allowance to noncurrent loans | 203.1447% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 1,265 |
| Noncurrent loans to loans | 0.4794% | 1,500 |
| Net loans and leases to total assets | 83.9300% | 259 |
| Net loans and leases to deposits | 98.1638% | 515 |
| Net loans and leases to core deposits | 104.4959% | 805 |
| Total domestic deposits to total assets | 85.5000% | 2,856 |
| Equity capital to assets | 8.2131% | 2,926 |
| Core capital (leverage) ratio | 8.7297% | 3,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8628% | 2,429 |
| Memoranda: | ||
| Average total assets | $183,360,200 | 3,157 |
| Average earning assets | $168,359,200 | 3,174 |
| Average equity | $16,269,200 | 3,249 |
| Average total loans | $151,899,000 | 2,615 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2744% | 771 |
| Cost of funding earning assets | 0.5967% | 448 |
| Net interest margin | 3.6777% | 1,195 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 3.0455% | 856 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0125% | 2,436 |
| Return on assets (ROA) | 1.0125% | 2,404 |
| Pretax return on assets | 1.0125% | 2,982 |
| Return on Equity (ROE) | 11.1900% | 2,304 |
| Retained earnings to average equity (ytd only) | 6.0706% | 2,731 |
| Net charge-offs to loans | 0.0207% | 1,419 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 59.5217% | 1,176 |
| Efficiency ratio | 75.0501% | 1,172 |
| Assets per employee ($millions) | 4.2761% | 4,184 |
| Cash dividends to net income (ytd only)* | 45.7268% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 3,283 |
| Loan loss allowance to noncurrent loans | 197.6048% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 1,219 |
| Noncurrent loans to loans | 0.5281% | 1,482 |
| Net loans and leases to total assets | 83.1600% | 310 |
| Net loans and leases to deposits | 93.3036% | 679 |
| Net loans and leases to core deposits | 98.3227% | 885 |
| Total domestic deposits to total assets | 89.1300% | 2,037 |
| Equity capital to assets | 8.5795% | 2,493 |
| Core capital (leverage) ratio | 9.0673% | 3,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6719% | 2,185 |
| Memoranda: | ||
| Average total assets | $180,281,250 | 3,207 |
| Average earning assets | $165,352,750 | 3,224 |
| Average equity | $16,318,750 | 3,285 |
| Average total loans | $148,412,500 | 2,655 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2016% | 627 |
| Cost of funding earning assets | 0.5795% | 321 |
| Net interest margin | 3.6221% | 1,038 |
| Noninterest income to average assets | 0.7520% | 1,168 |
| Noninterest expense to average assets | 3.0587% | 777 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0143% | 2,104 |
| Return on assets (ROA) | 1.0143% | 2,074 |
| Pretax return on assets | 1.0143% | 2,674 |
| Return on Equity (ROE) | 11.0028% | 1,976 |
| Retained earnings to average equity (ytd only) | 5.1900% | 2,640 |
| Net charge-offs to loans | 0.0083% | 1,683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 150.1667% | 645 |
| Efficiency ratio | 75.0967% | 1,378 |
| Assets per employee ($millions) | 4.0932% | 4,319 |
| Cash dividends to net income (ytd only)* | 52.8302% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 3,214 |
| Loan loss allowance to noncurrent loans | 340.2041% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 1,982 |
| Noncurrent loans to loans | 0.3192% | 2,201 |
| Net loans and leases to total assets | 82.4254% | 267 |
| Net loans and leases to deposits | 92.7610% | 570 |
| Net loans and leases to core deposits | 97.3112% | 782 |
| Total domestic deposits to total assets | 88.8578% | 2,242 |
| Equity capital to assets | 8.8001% | 2,533 |
| Core capital (leverage) ratio | 9.0553% | 3,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9802% | 2,067 |
| Memoranda: | ||
| Average total assets | $177,659,333 | 3,260 |
| Average earning assets | $162,889,000 | 3,293 |
| Average equity | $16,377,667 | 3,375 |
| Average total loans | $145,180,333 | 2,695 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0988% | 643 |
| Cost of funding earning assets | 0.5393% | 395 |
| Net interest margin | 3.5594% | 962 |
| Noninterest income to average assets | 0.7913% | 1,067 |
| Noninterest expense to average assets | 3.1033% | 686 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9427% | 2,098 |
| Return on assets (ROA) | 0.9427% | 2,088 |
| Pretax return on assets | 0.9427% | 2,623 |
| Return on Equity (ROE) | 9.9866% | 1,973 |
| Retained earnings to average equity (ytd only) | 5.3456% | 2,461 |
| Net charge-offs to loans | 0.0369% | 925 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 31.6154% | 1,108 |
| Efficiency ratio | 76.7007% | 1,450 |
| Assets per employee ($millions) | 4.1104% | 4,355 |
| Cash dividends to net income (ytd only)* | 46.4720% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 3,137 |
| Loan loss allowance to noncurrent loans | 276.6667% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 1,782 |
| Noncurrent loans to loans | 0.4133% | 2,012 |
| Net loans and leases to total assets | 79.3562% | 272 |
| Net loans and leases to deposits | 90.6308% | 477 |
| Net loans and leases to core deposits | 95.2552% | 684 |
| Total domestic deposits to total assets | 87.5599% | 2,720 |
| Equity capital to assets | 8.9955% | 2,711 |
| Core capital (leverage) ratio | 9.6511% | 2,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4246% | 2,027 |
| Memoranda: | ||
| Average total assets | $174,393,000 | 3,311 |
| Average earning assets | $159,463,000 | 3,333 |
| Average equity | $16,462,000 | 3,436 |
| Average total loans | $141,026,500 | 2,742 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9122% | 294 |
| Cost of funding earning assets | 0.6587% | 403 |
| Net interest margin | 4.2536% | 446 |
| Noninterest income to average assets | 1.1291% | 825 |
| Noninterest expense to average assets | 3.3255% | 602 |
| Loan and lease loss provision to assets | 0.0617% | 1,837 |
| Net operating income to assets | 1.6168% | 766 |
| Return on assets (ROA) | 1.6168% | 805 |
| Pretax return on assets | 1.6168% | 1,380 |
| Return on Equity (ROE) | 15.6523% | 814 |
| Retained earnings to average equity (ytd only) | 4.9066% | 2,819 |
| Net charge-offs to loans | -0.0531% | 4,353 |
| Credit loss provision to net charge-offs | -147.0588% | 3,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4569% | 2,198 |
| Assets per employee ($millions) | 3.6506% | 4,551 |
| Cash dividends to net income (ytd only)* | 68.6522% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 2,777 |
| Loan loss allowance to noncurrent loans | 321.7308% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 1,998 |
| Noncurrent loans to loans | 0.3799% | 2,227 |
| Net loans and leases to total assets | 80.5095% | 246 |
| Net loans and leases to deposits | 92.7201% | 429 |
| Net loans and leases to core deposits | 97.8696% | 621 |
| Total domestic deposits to total assets | 86.8307% | 2,577 |
| Equity capital to assets | 9.9179% | 2,737 |
| Core capital (leverage) ratio | 9.9132% | 2,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9985% | 1,841 |
| Memoranda: | ||
| Average total assets | $161,991,600 | 3,380 |
| Average earning assets | $147,570,000 | 3,400 |
| Average equity | $16,732,400 | 3,484 |
| Average total loans | $127,978,200 | 2,877 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0334% | 283 |
| Cost of funding earning assets | 0.6861% | 410 |
| Net interest margin | 4.3473% | 409 |
| Noninterest income to average assets | 1.1953% | 796 |
| Noninterest expense to average assets | 3.1491% | 768 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.0094% | 450 |
| Return on assets (ROA) | 2.0094% | 476 |
| Pretax return on assets | 2.0094% | 784 |
| Return on Equity (ROE) | 19.2532% | 489 |
| Retained earnings to average equity (ytd only) | 13.2998% | 595 |
| Net charge-offs to loans | -0.0657% | 4,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0467% | 2,828 |
| Assets per employee ($millions) | 3.5586% | 4,621 |
| Cash dividends to net income (ytd only)* | 30.9219% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 2,794 |
| Loan loss allowance to noncurrent loans | 187.6647% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.5101% | 1,495 |
| Noncurrent loans to loans | 0.6606% | 1,663 |
| Net loans and leases to total assets | 76.2610% | 532 |
| Net loans and leases to deposits | 88.5953% | 684 |
| Net loans and leases to core deposits | 93.3877% | 853 |
| Total domestic deposits to total assets | 86.0779% | 2,718 |
| Equity capital to assets | 10.7259% | 2,240 |
| Core capital (leverage) ratio | 10.4264% | 2,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8177% | 1,386 |
| Memoranda: | ||
| Average total assets | $160,507,500 | 3,422 |
| Average earning assets | $146,324,250 | 3,444 |
| Average equity | $16,751,750 | 3,531 |
| Average total loans | $125,755,000 | 2,940 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8183% | 457 |
| Cost of funding earning assets | 0.7131% | 434 |
| Net interest margin | 4.1052% | 686 |
| Noninterest income to average assets | 1.3083% | 675 |
| Noninterest expense to average assets | 3.1058% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9430% | 543 |
| Return on assets (ROA) | 1.9430% | 562 |
| Pretax return on assets | 1.9430% | 932 |
| Return on Equity (ROE) | 18.7951% | 561 |
| Retained earnings to average equity (ytd only) | 12.9103% | 738 |
| Net charge-offs to loans | -0.1020% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5155% | 2,798 |
| Assets per employee ($millions) | 3.6785% | 4,608 |
| Cash dividends to net income (ytd only)* | 31.3105% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 2,795 |
| Loan loss allowance to noncurrent loans | 177.4887% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 1,523 |
| Noncurrent loans to loans | 0.6901% | 1,700 |
| Net loans and leases to total assets | 78.1731% | 434 |
| Net loans and leases to deposits | 90.6101% | 615 |
| Net loans and leases to core deposits | 95.1166% | 850 |
| Total domestic deposits to total assets | 86.2741% | 2,638 |
| Equity capital to assets | 10.4754% | 2,415 |
| Core capital (leverage) ratio | 10.0921% | 2,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3307% | 1,520 |
| Memoranda: | ||
| Average total assets | $159,444,333 | 3,441 |
| Average earning assets | $145,278,667 | 3,463 |
| Average equity | $16,483,000 | 3,557 |
| Average total loans | $125,538,667 | 2,951 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7879% | 492 |
| Cost of funding earning assets | 0.7518% | 445 |
| Net interest margin | 4.0362% | 800 |
| Noninterest income to average assets | 1.5116% | 589 |
| Noninterest expense to average assets | 3.1143% | 824 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0753% | 515 |
| Return on assets (ROA) | 2.0753% | 551 |
| Pretax return on assets | 2.0753% | 837 |
| Return on Equity (ROE) | 20.2130% | 515 |
| Retained earnings to average equity (ytd only) | 15.6829% | 553 |
| Net charge-offs to loans | -0.0032% | 3,241 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0097% | 3,033 |
| Assets per employee ($millions) | 3.8511% | 4,560 |
| Cash dividends to net income (ytd only)* | 22.4117% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 2,946 |
| Loan loss allowance to noncurrent loans | 210.0418% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 2,057 |
| Noncurrent loans to loans | 0.5705% | 2,147 |
| Net loans and leases to total assets | 76.7742% | 560 |
| Net loans and leases to deposits | 89.3999% | 733 |
| Net loans and leases to core deposits | 93.1604% | 1,033 |
| Total domestic deposits to total assets | 85.8773% | 2,780 |
| Equity capital to assets | 10.2308% | 2,497 |
| Core capital (leverage) ratio | 10.7190% | 1,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3508% | 1,458 |
| Memoranda: | ||
| Average total assets | $158,239,000 | 3,457 |
| Average earning assets | $144,196,000 | 3,472 |
| Average equity | $16,247,000 | 3,583 |
| Average total loans | $124,260,000 | 2,971 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7644% | 124 |
| Cost of funding earning assets | 0.9772% | 650 |
| Net interest margin | 4.7872% | 177 |
| Noninterest income to average assets | 0.6492% | 2,031 |
| Noninterest expense to average assets | 3.4403% | 751 |
| Loan and lease loss provision to assets | 0.4205% | 713 |
| Net operating income to assets | 1.0953% | 1,945 |
| Return on assets (ROA) | 1.0953% | 2,061 |
| Pretax return on assets | 1.0953% | 2,711 |
| Return on Equity (ROE) | 10.3016% | 1,886 |
| Retained earnings to average equity (ytd only) | 1.9960% | 3,824 |
| Net charge-offs to loans | 0.0825% | 1,646 |
| Credit loss provision to net charge-offs | 640.0000% | 1,061 |
| Earnings coverage of net charge-offs (x) | 23.0700% | 1,818 |
| Efficiency ratio | 69.4154% | 2,033 |
| Assets per employee ($millions) | 3.7739% | 4,524 |
| Cash dividends to net income (ytd only)* | 80.6239% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 2,817 |
| Loan loss allowance to noncurrent loans | 229.0715% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 2,303 |
| Noncurrent loans to loans | 0.5349% | 2,374 |
| Net loans and leases to total assets | 78.4129% | 563 |
| Net loans and leases to deposits | 91.7297% | 797 |
| Net loans and leases to core deposits | 95.7790% | 1,134 |
| Total domestic deposits to total assets | 85.4825% | 2,581 |
| Equity capital to assets | 10.3056% | 2,829 |
| Core capital (leverage) ratio | 10.0654% | 2,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5986% | 1,653 |
| Memoranda: | ||
| Average total assets | $152,196,000 | 3,377 |
| Average earning assets | $136,926,600 | 3,421 |
| Average equity | $16,182,000 | 3,531 |
| Average total loans | $121,259,800 | 2,966 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7684% | 143 |
| Cost of funding earning assets | 1.0152% | 722 |
| Net interest margin | 4.7532% | 226 |
| Noninterest income to average assets | 0.6721% | 1,895 |
| Noninterest expense to average assets | 3.3728% | 825 |
| Loan and lease loss provision to assets | 0.1584% | 2,425 |
| Net operating income to assets | 1.4040% | 1,091 |
| Return on assets (ROA) | 1.4040% | 1,187 |
| Pretax return on assets | 1.4040% | 1,718 |
| Return on Equity (ROE) | 13.1023% | 1,076 |
| Retained earnings to average equity (ytd only) | 10.2783% | 704 |
| Net charge-offs to loans | -0.0188% | 4,396 |
| Credit loss provision to net charge-offs | -1,058.8235% | 3,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3422% | 2,132 |
| Assets per employee ($millions) | 3.6906% | 4,558 |
| Cash dividends to net income (ytd only)* | 21.5539% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 3,989 |
| Loan loss allowance to noncurrent loans | 148.4036% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 2,183 |
| Noncurrent loans to loans | 0.6242% | 2,236 |
| Net loans and leases to total assets | 80.1787% | 597 |
| Net loans and leases to deposits | 96.1897% | 746 |
| Net loans and leases to core deposits | 100.7376% | 1,112 |
| Total domestic deposits to total assets | 83.3547% | 3,042 |
| Equity capital to assets | 10.8893% | 2,489 |
| Core capital (leverage) ratio | 10.4084% | 2,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3239% | 1,724 |
| Memoranda: | ||
| Average total assets | $151,562,250 | 3,367 |
| Average earning assets | $135,932,000 | 3,413 |
| Average equity | $16,241,000 | 3,528 |
| Average total loans | $120,866,250 | 2,987 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7647% | 204 |
| Cost of funding earning assets | 1.0499% | 838 |
| Net interest margin | 4.7148% | 327 |
| Noninterest income to average assets | 0.7446% | 1,593 |
| Noninterest expense to average assets | 3.3920% | 864 |
| Loan and lease loss provision to assets | 0.1596% | 2,405 |
| Net operating income to assets | 1.4028% | 1,109 |
| Return on assets (ROA) | 1.4028% | 1,202 |
| Pretax return on assets | 1.4028% | 1,720 |
| Return on Equity (ROE) | 13.1642% | 1,063 |
| Retained earnings to average equity (ytd only) | 10.7934% | 639 |
| Net charge-offs to loans | -0.0251% | 4,480 |
| Credit loss provision to net charge-offs | -800.0000% | 3,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4648% | 2,175 |
| Assets per employee ($millions) | 3.7640% | 4,500 |
| Cash dividends to net income (ytd only)* | 18.0095% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8862% | 4,050 |
| Loan loss allowance to noncurrent loans | 133.6574% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 1,709 |
| Noncurrent loans to loans | 0.6630% | 2,205 |
| Net loans and leases to total assets | 77.8211% | 866 |
| Net loans and leases to deposits | 94.0745% | 957 |
| Net loans and leases to core deposits | 98.4547% | 1,374 |
| Total domestic deposits to total assets | 82.7228% | 3,172 |
| Equity capital to assets | 10.4582% | 2,779 |
| Core capital (leverage) ratio | 10.4441% | 2,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9016% | 1,514 |
| Memoranda: | ||
| Average total assets | $150,414,667 | 3,353 |
| Average earning assets | $134,300,000 | 3,414 |
| Average equity | $16,028,333 | 3,548 |
| Average total loans | $119,340,667 | 2,990 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4163% | 449 |
| Cost of funding earning assets | 1.1024% | 1,038 |
| Net interest margin | 4.3140% | 739 |
| Noninterest income to average assets | 0.8050% | 1,296 |
| Noninterest expense to average assets | 3.4930% | 951 |
| Loan and lease loss provision to assets | 0.1637% | 1,777 |
| Net operating income to assets | 0.9715% | 2,277 |
| Return on assets (ROA) | 0.9715% | 2,383 |
| Pretax return on assets | 0.9715% | 2,928 |
| Return on Equity (ROE) | 9.0264% | 2,103 |
| Retained earnings to average equity (ytd only) | 8.3925% | 1,125 |
| Net charge-offs to loans | -0.0889% | 4,796 |
| Credit loss provision to net charge-offs | -230.7692% | 3,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4717% | 1,625 |
| Assets per employee ($millions) | 3.6314% | 4,351 |
| Cash dividends to net income (ytd only)* | 7.0225% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 4,148 |
| Loan loss allowance to noncurrent loans | 77.7367% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.2184% | 1,005 |
| Noncurrent loans to loans | 1.1441% | 1,452 |
| Net loans and leases to total assets | 78.6618% | 883 |
| Net loans and leases to deposits | 96.1497% | 892 |
| Net loans and leases to core deposits | 100.7423% | 1,414 |
| Total domestic deposits to total assets | 81.8118% | 3,468 |
| Equity capital to assets | 10.7302% | 3,108 |
| Core capital (leverage) ratio | 10.6840% | 2,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5746% | 1,727 |
| Memoranda: | ||
| Average total assets | $146,578,500 | 3,371 |
| Average earning assets | $129,903,000 | 3,444 |
| Average equity | $15,776,000 | 3,577 |
| Average total loans | $116,948,500 | 2,990 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3988% | 668 |
| Cost of funding earning assets | 1.0175% | 1,652 |
| Net interest margin | 4.3813% | 930 |
| Noninterest income to average assets | 0.7546% | 1,612 |
| Noninterest expense to average assets | 3.5310% | 924 |
| Loan and lease loss provision to assets | 0.2017% | 1,008 |
| Net operating income to assets | 0.9542% | 3,001 |
| Return on assets (ROA) | 0.9542% | 3,086 |
| Pretax return on assets | 0.9542% | 3,592 |
| Return on Equity (ROE) | 8.8197% | 2,836 |
| Retained earnings to average equity (ytd only) | 2.0507% | 3,972 |
| Net charge-offs to loans | 0.3416% | 598 |
| Credit loss provision to net charge-offs | 73.6041% | 2,868 |
| Earnings coverage of net charge-offs (x) | 4.2183% | 3,240 |
| Efficiency ratio | 75.3376% | 1,441 |
| Assets per employee ($millions) | 3.5188% | 4,466 |
| Cash dividends to net income (ytd only)* | 76.7493% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 4,204 |
| Loan loss allowance to noncurrent loans | 76.5266% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.2511% | 909 |
| Noncurrent loans to loans | 1.0896% | 1,387 |
| Net loans and leases to total assets | 79.5479% | 845 |
| Net loans and leases to deposits | 97.7680% | 777 |
| Net loans and leases to core deposits | 102.5723% | 1,350 |
| Total domestic deposits to total assets | 81.3640% | 3,689 |
| Equity capital to assets | 10.7965% | 3,186 |
| Core capital (leverage) ratio | 10.4584% | 2,999 |
| Tier 1 risk-based capital ratio | 14.4902% | 3,023 |
| Total risk-based capital ratio | 15.4238% | 3,090 |
| Memoranda: | ||
| Average total assets | $143,784,000 | 3,382 |
| Average earning assets | $129,047,400 | 3,441 |
| Average equity | $15,556,000 | 3,586 |
| Average total loans | $115,325,800 | 3,000 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3678% | 751 |
| Cost of funding earning assets | 0.9956% | 1,782 |
| Net interest margin | 4.3722% | 1,007 |
| Noninterest income to average assets | 0.7768% | 1,495 |
| Noninterest expense to average assets | 3.6269% | 820 |
| Loan and lease loss provision to assets | 0.1856% | 971 |
| Net operating income to assets | 0.8891% | 3,386 |
| Return on assets (ROA) | 0.8891% | 3,462 |
| Pretax return on assets | 0.8891% | 3,913 |
| Return on Equity (ROE) | 8.2136% | 3,226 |
| Retained earnings to average equity (ytd only) | 5.6158% | 2,561 |
| Net charge-offs to loans | 0.2465% | 715 |
| Credit loss provision to net charge-offs | 93.8967% | 2,355 |
| Earnings coverage of net charge-offs (x) | 5.4367% | 2,921 |
| Efficiency ratio | 77.1417% | 1,198 |
| Assets per employee ($millions) | 3.5448% | 4,453 |
| Cash dividends to net income (ytd only)* | 31.6284% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 3,958 |
| Loan loss allowance to noncurrent loans | 71.8367% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.3789% | 849 |
| Noncurrent loans to loans | 1.2829% | 1,212 |
| Net loans and leases to total assets | 78.1157% | 1,119 |
| Net loans and leases to deposits | 95.4748% | 1,078 |
| Net loans and leases to core deposits | 100.5366% | 1,622 |
| Total domestic deposits to total assets | 81.8181% | 3,525 |
| Equity capital to assets | 10.9683% | 3,121 |
| Core capital (leverage) ratio | 10.6203% | 2,996 |
| Tier 1 risk-based capital ratio | 14.8697% | 2,912 |
| Total risk-based capital ratio | 15.8949% | 2,936 |
| Memoranda: | ||
| Average total assets | $143,662,750 | 3,418 |
| Average earning assets | $128,963,750 | 3,476 |
| Average equity | $15,551,000 | 3,622 |
| Average total loans | $115,225,250 | 3,039 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2932% | 825 |
| Cost of funding earning assets | 0.9650% | 1,844 |
| Net interest margin | 4.3283% | 1,084 |
| Noninterest income to average assets | 0.8106% | 1,315 |
| Noninterest expense to average assets | 3.6812% | 767 |
| Loan and lease loss provision to assets | 0.1677% | 1,084 |
| Net operating income to assets | 0.8483% | 3,476 |
| Return on assets (ROA) | 0.8483% | 3,534 |
| Pretax return on assets | 0.8483% | 3,976 |
| Return on Equity (ROE) | 7.8724% | 3,341 |
| Retained earnings to average equity (ytd only) | 4.7208% | 2,907 |
| Net charge-offs to loans | 0.2755% | 616 |
| Credit loss provision to net charge-offs | 75.4717% | 2,269 |
| Earnings coverage of net charge-offs (x) | 4.5723% | 2,726 |
| Efficiency ratio | 78.3695% | 1,106 |
| Assets per employee ($millions) | 3.3714% | 4,640 |
| Cash dividends to net income (ytd only)* | 40.0329% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 4,179 |
| Loan loss allowance to noncurrent loans | 50.5397% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 2.0584% | 441 |
| Noncurrent loans to loans | 1.7340% | 873 |
| Net loans and leases to total assets | 80.3634% | 827 |
| Net loans and leases to deposits | 99.3163% | 728 |
| Net loans and leases to core deposits | 104.3635% | 1,356 |
| Total domestic deposits to total assets | 80.9166% | 3,839 |
| Equity capital to assets | 10.7975% | 3,270 |
| Core capital (leverage) ratio | 10.4396% | 3,155 |
| Tier 1 risk-based capital ratio | 14.2787% | 3,172 |
| Total risk-based capital ratio | 15.2576% | 3,228 |
| Memoranda: | ||
| Average total assets | $143,104,670 | 3,446 |
| Average earning assets | $128,504,000 | 3,500 |
| Average equity | $15,421,000 | 3,643 |
| Average total loans | $115,438,000 | 3,040 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1715% | 957 |
| Cost of funding earning assets | 0.9246% | 1,902 |
| Net interest margin | 4.2469% | 1,205 |
| Noninterest income to average assets | 0.8159% | 1,250 |
| Noninterest expense to average assets | 3.6632% | 790 |
| Loan and lease loss provision to assets | 0.1688% | 990 |
| Net operating income to assets | 0.7962% | 3,634 |
| Return on assets (ROA) | 0.7962% | 3,680 |
| Pretax return on assets | 0.7962% | 4,055 |
| Return on Equity (ROE) | 7.3963% | 3,502 |
| Retained earnings to average equity (ytd only) | 5.9588% | 2,471 |
| Net charge-offs to loans | 0.2133% | 661 |
| Credit loss provision to net charge-offs | 98.3607% | 1,645 |
| Earnings coverage of net charge-offs (x) | 5.6230% | 2,251 |
| Efficiency ratio | 79.1489% | 1,142 |
| Assets per employee ($millions) | 3.3985% | 4,660 |
| Cash dividends to net income (ytd only)* | 19.4346% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 4,032 |
| Loan loss allowance to noncurrent loans | 40.9666% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 2.5152% | 309 |
| Noncurrent loans to loans | 2.2735% | 613 |
| Net loans and leases to total assets | 79.5880% | 891 |
| Net loans and leases to deposits | 95.1918% | 1,043 |
| Net loans and leases to core deposits | 100.0634% | 1,617 |
| Total domestic deposits to total assets | 83.6081% | 3,179 |
| Equity capital to assets | 10.8257% | 3,021 |
| Core capital (leverage) ratio | 10.5404% | 3,004 |
| Tier 1 risk-based capital ratio | 14.2315% | 3,228 |
| Total risk-based capital ratio | 15.2524% | 3,255 |
| Memoranda: | ||
| Average total assets | $142,172,500 | 3,504 |
| Average earning assets | $127,623,000 | 3,551 |
| Average equity | $15,305,000 | 3,671 |
| Average total loans | $114,391,000 | 3,091 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0839% | 879 |
| Cost of funding earning assets | 0.7665% | 1,706 |
| Net interest margin | 4.3173% | 1,111 |
| Noninterest income to average assets | 0.8247% | 1,387 |
| Noninterest expense to average assets | 3.6729% | 803 |
| Loan and lease loss provision to assets | 0.0996% | 2,193 |
| Net operating income to assets | 0.9314% | 3,322 |
| Return on assets (ROA) | 0.9314% | 3,314 |
| Pretax return on assets | 0.9314% | 3,810 |
| Return on Equity (ROE) | 8.5879% | 3,184 |
| Retained earnings to average equity (ytd only) | 0.7807% | 4,779 |
| Net charge-offs to loans | 0.1260% | 1,489 |
| Credit loss provision to net charge-offs | 100.7194% | 2,498 |
| Earnings coverage of net charge-offs (x) | 10.4245% | 2,720 |
| Efficiency ratio | 78.0820% | 1,123 |
| Assets per employee ($millions) | 3.2933% | 4,745 |
| Cash dividends to net income (ytd only)* | 90.9091% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 4,012 |
| Loan loss allowance to noncurrent loans | 36.6221% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 2.2710% | 371 |
| Noncurrent loans to loans | 2.5580% | 466 |
| Net loans and leases to total assets | 79.8284% | 966 |
| Net loans and leases to deposits | 95.5531% | 1,115 |
| Net loans and leases to core deposits | 100.4737% | 1,682 |
| Total domestic deposits to total assets | 83.5435% | 3,144 |
| Equity capital to assets | 10.7040% | 2,982 |
| Core capital (leverage) ratio | 10.4566% | 3,078 |
| Tier 1 risk-based capital ratio | 14.2104% | 3,201 |
| Total risk-based capital ratio | 15.2466% | 3,219 |
| Memoranda: | ||
| Average total assets | $140,543,600 | 3,498 |
| Average earning assets | $126,281,800 | 3,558 |
| Average equity | $15,242,400 | 3,609 |
| Average total loans | $110,313,600 | 3,125 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0281% | 887 |
| Cost of funding earning assets | 0.7377% | 1,633 |
| Net interest margin | 4.2905% | 1,131 |
| Noninterest income to average assets | 0.8659% | 1,296 |
| Noninterest expense to average assets | 3.7050% | 752 |
| Loan and lease loss provision to assets | 0.1331% | 1,514 |
| Net operating income to assets | 0.8811% | 3,622 |
| Return on assets (ROA) | 0.8811% | 3,625 |
| Pretax return on assets | 0.8811% | 4,084 |
| Return on Equity (ROE) | 8.0976% | 3,510 |
| Retained earnings to average equity (ytd only) | 4.6996% | 3,397 |
| Net charge-offs to loans | 0.0756% | 1,772 |
| Credit loss provision to net charge-offs | 225.8065% | 1,268 |
| Earnings coverage of net charge-offs (x) | 17.2106% | 2,122 |
| Efficiency ratio | 78.5096% | 1,069 |
| Assets per employee ($millions) | 3.1917% | 4,891 |
| Cash dividends to net income (ytd only)* | 41.9630% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 3,583 |
| Loan loss allowance to noncurrent loans | 46.8520% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 1.9347% | 561 |
| Noncurrent loans to loans | 2.1985% | 641 |
| Net loans and leases to total assets | 78.4064% | 1,274 |
| Net loans and leases to deposits | 92.1423% | 1,603 |
| Net loans and leases to core deposits | 96.8264% | 2,043 |
| Total domestic deposits to total assets | 85.0927% | 2,573 |
| Equity capital to assets | 11.0371% | 2,626 |
| Core capital (leverage) ratio | 10.8747% | 2,698 |
| Tier 1 risk-based capital ratio | 14.7999% | 2,973 |
| Total risk-based capital ratio | 15.9248% | 2,958 |
| Memoranda: | ||
| Average total assets | $140,277,000 | 3,539 |
| Average earning assets | $125,981,000 | 3,594 |
| Average equity | $15,263,500 | 3,629 |
| Average total loans | $109,363,500 | 3,168 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9678% | 878 |
| Cost of funding earning assets | 0.7285% | 1,480 |
| Net interest margin | 4.2393% | 1,192 |
| Noninterest income to average assets | 0.9299% | 1,107 |
| Noninterest expense to average assets | 3.6812% | 787 |
| Loan and lease loss provision to assets | 0.1712% | 1,072 |
| Net operating income to assets | 0.8871% | 3,510 |
| Return on assets (ROA) | 0.8871% | 3,516 |
| Pretax return on assets | 0.8871% | 3,997 |
| Return on Equity (ROE) | 8.1925% | 3,419 |
| Retained earnings to average equity (ytd only) | 3.9382% | 3,636 |
| Net charge-offs to loans | 0.0773% | 1,554 |
| Credit loss provision to net charge-offs | 285.7143% | 1,039 |
| Earnings coverage of net charge-offs (x) | 17.6667% | 1,942 |
| Efficiency ratio | 77.6708% | 1,226 |
| Assets per employee ($millions) | 3.2587% | 4,869 |
| Cash dividends to net income (ytd only)* | 51.9293% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 3,572 |
| Loan loss allowance to noncurrent loans | 42.8091% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 2.1217% | 484 |
| Noncurrent loans to loans | 2.4369% | 541 |
| Net loans and leases to total assets | 77.5799% | 1,383 |
| Net loans and leases to deposits | 90.6104% | 1,765 |
| Net loans and leases to core deposits | 95.4006% | 2,112 |
| Total domestic deposits to total assets | 85.6192% | 2,447 |
| Equity capital to assets | 10.9196% | 2,712 |
| Core capital (leverage) ratio | 10.5262% | 3,006 |
| Tier 1 risk-based capital ratio | 14.6565% | 3,037 |
| Total risk-based capital ratio | 15.7884% | 3,018 |
| Memoranda: | ||
| Average total assets | $140,224,330 | 3,568 |
| Average earning assets | $126,012,000 | 3,622 |
| Average equity | $15,184,670 | 3,656 |
| Average total loans | $108,732,670 | 3,194 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9167% | 843 |
| Cost of funding earning assets | 0.7074% | 1,397 |
| Net interest margin | 4.2093% | 1,157 |
| Noninterest income to average assets | 0.9325% | 1,066 |
| Noninterest expense to average assets | 3.5901% | 879 |
| Loan and lease loss provision to assets | 0.1711% | 1,033 |
| Net operating income to assets | 0.9553% | 3,050 |
| Return on assets (ROA) | 0.9553% | 3,068 |
| Pretax return on assets | 0.9553% | 3,685 |
| Return on Equity (ROE) | 8.8586% | 2,979 |
| Retained earnings to average equity (ytd only) | 4.7334% | 3,293 |
| Net charge-offs to loans | 0.1035% | 1,165 |
| Credit loss provision to net charge-offs | 214.2857% | 997 |
| Earnings coverage of net charge-offs (x) | 14.1071% | 1,725 |
| Efficiency ratio | 76.1185% | 1,577 |
| Assets per employee ($millions) | 3.4732% | 4,692 |
| Cash dividends to net income (ytd only)* | 46.5672% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 3,867 |
| Loan loss allowance to noncurrent loans | 39.7830% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 2.1882% | 480 |
| Noncurrent loans to loans | 2.5512% | 525 |
| Net loans and leases to total assets | 75.3378% | 1,651 |
| Net loans and leases to deposits | 89.0543% | 1,804 |
| Net loans and leases to core deposits | 94.3544% | 2,108 |
| Total domestic deposits to total assets | 84.5976% | 3,076 |
| Equity capital to assets | 10.6580% | 2,917 |
| Core capital (leverage) ratio | 10.5853% | 2,860 |
| Tier 1 risk-based capital ratio | 14.6041% | 3,067 |
| Total risk-based capital ratio | 15.6955% | 3,061 |
| Memoranda: | ||
| Average total assets | $140,274,500 | 3,602 |
| Average earning assets | $126,101,000 | 3,643 |
| Average equity | $15,126,500 | 3,689 |
| Average total loans | $108,172,000 | 3,226 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0300% | 611 |
| Cost of funding earning assets | 0.7279% | 895 |
| Net interest margin | 4.3021% | 954 |
| Noninterest income to average assets | 0.7891% | 1,608 |
| Noninterest expense to average assets | 3.5580% | 951 |
| Loan and lease loss provision to assets | 0.1412% | 1,611 |
| Net operating income to assets | 0.9486% | 2,456 |
| Return on assets (ROA) | 0.9486% | 2,486 |
| Pretax return on assets | 0.9486% | 3,743 |
| Return on Equity (ROE) | 8.8382% | 2,389 |
| Retained earnings to average equity (ytd only) | 1.5519% | 4,377 |
| Net charge-offs to loans | 0.1829% | 1,376 |
| Credit loss provision to net charge-offs | 101.5228% | 2,525 |
| Earnings coverage of net charge-offs (x) | 7.8376% | 2,987 |
| Efficiency ratio | 76.5528% | 1,550 |
| Assets per employee ($millions) | 3.3695% | 4,861 |
| Cash dividends to net income (ytd only)* | 82.4405% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 4,007 |
| Loan loss allowance to noncurrent loans | 32.1300% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 2.6508% | 331 |
| Noncurrent loans to loans | 3.0788% | 355 |
| Net loans and leases to total assets | 77.3766% | 1,369 |
| Net loans and leases to deposits | 90.0123% | 1,775 |
| Net loans and leases to core deposits | 95.0279% | 2,115 |
| Total domestic deposits to total assets | 85.9623% | 2,455 |
| Equity capital to assets | 10.9129% | 2,719 |
| Core capital (leverage) ratio | 10.3206% | 3,048 |
| Tier 1 risk-based capital ratio | 14.7345% | 2,973 |
| Total risk-based capital ratio | 15.8168% | 2,979 |
| Memoranda: | ||
| Average total assets | $141,678,800 | 3,591 |
| Average earning assets | $127,076,800 | 3,627 |
| Average equity | $15,206,800 | 3,698 |
| Average total loans | $107,680,400 | 3,217 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9774% | 643 |
| Cost of funding earning assets | 0.7406% | 797 |
| Net interest margin | 4.2369% | 1,070 |
| Noninterest income to average assets | 0.8183% | 1,518 |
| Noninterest expense to average assets | 3.5951% | 877 |
| Loan and lease loss provision to assets | 0.1496% | 1,400 |
| Net operating income to assets | 0.8726% | 3,163 |
| Return on assets (ROA) | 0.8726% | 3,213 |
| Pretax return on assets | 0.8726% | 4,134 |
| Return on Equity (ROE) | 8.1628% | 3,038 |
| Retained earnings to average equity (ytd only) | 4.5932% | 3,149 |
| Net charge-offs to loans | 0.0842% | 1,960 |
| Credit loss provision to net charge-offs | 235.2941% | 1,185 |
| Earnings coverage of net charge-offs (x) | 16.0743% | 2,189 |
| Efficiency ratio | 77.8610% | 1,347 |
| Assets per employee ($millions) | 3.4578% | 4,789 |
| Cash dividends to net income (ytd only)* | 43.7302% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 3,574 |
| Loan loss allowance to noncurrent loans | 32.7206% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 2.8504% | 331 |
| Noncurrent loans to loans | 3.3166% | 350 |
| Net loans and leases to total assets | 74.3865% | 1,858 |
| Net loans and leases to deposits | 86.5565% | 2,234 |
| Net loans and leases to core deposits | 91.2408% | 2,513 |
| Total domestic deposits to total assets | 85.9398% | 2,334 |
| Equity capital to assets | 10.9347% | 2,929 |
| Core capital (leverage) ratio | 10.4221% | 3,063 |
| Tier 1 risk-based capital ratio | 15.2654% | 2,809 |
| Total risk-based capital ratio | 16.4563% | 2,764 |
| Memoranda: | ||
| Average total assets | $142,561,250 | 3,610 |
| Average earning assets | $127,827,000 | 3,652 |
| Average equity | $15,239,500 | 3,724 |
| Average total loans | $107,609,750 | 3,245 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9905% | 570 |
| Cost of funding earning assets | 0.7404% | 722 |
| Net interest margin | 4.2501% | 974 |
| Noninterest income to average assets | 0.8612% | 1,390 |
| Noninterest expense to average assets | 3.5652% | 914 |
| Loan and lease loss provision to assets | 0.1680% | 1,172 |
| Net operating income to assets | 0.9382% | 2,730 |
| Return on assets (ROA) | 0.9382% | 2,787 |
| Pretax return on assets | 0.9382% | 3,801 |
| Return on Equity (ROE) | 8.8437% | 2,580 |
| Retained earnings to average equity (ytd only) | 5.1082% | 2,634 |
| Net charge-offs to loans | 0.0463% | 2,291 |
| Credit loss provision to net charge-offs | 480.0000% | 685 |
| Earnings coverage of net charge-offs (x) | 31.6000% | 1,426 |
| Efficiency ratio | 76.3189% | 1,670 |
| Assets per employee ($millions) | 3.4637% | 4,776 |
| Cash dividends to net income (ytd only)* | 42.2388% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,634 |
| Loan loss allowance to noncurrent loans | 61.8540% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.6668% | 886 |
| Noncurrent loans to loans | 1.7646% | 1,023 |
| Net loans and leases to total assets | 74.0858% | 1,848 |
| Net loans and leases to deposits | 87.4564% | 2,050 |
| Net loans and leases to core deposits | 92.2417% | 2,318 |
| Total domestic deposits to total assets | 84.7117% | 2,928 |
| Equity capital to assets | 10.8407% | 2,981 |
| Core capital (leverage) ratio | 10.2739% | 3,173 |
| Tier 1 risk-based capital ratio | 15.4546% | 2,725 |
| Total risk-based capital ratio | 16.6760% | 2,674 |
| Memoranda: | ||
| Average total assets | $142,825,330 | 3,617 |
| Average earning assets | $128,043,670 | 3,669 |
| Average equity | $15,152,000 | 3,742 |
| Average total loans | $107,941,670 | 3,251 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9564% | 560 |
| Cost of funding earning assets | 0.7379% | 700 |
| Net interest margin | 4.2186% | 953 |
| Noninterest income to average assets | 0.9132% | 1,200 |
| Noninterest expense to average assets | 3.5048% | 1,037 |
| Loan and lease loss provision to assets | 0.1676% | 1,067 |
| Net operating income to assets | 1.0249% | 2,198 |
| Return on assets (ROA) | 1.0249% | 2,252 |
| Pretax return on assets | 1.0249% | 3,263 |
| Return on Equity (ROE) | 9.7668% | 2,076 |
| Retained earnings to average equity (ytd only) | 6.5201% | 2,066 |
| Net charge-offs to loans | 0.0809% | 1,531 |
| Credit loss provision to net charge-offs | 272.7273% | 835 |
| Earnings coverage of net charge-offs (x) | 19.4091% | 1,528 |
| Efficiency ratio | 74.6136% | 2,122 |
| Assets per employee ($millions) | 3.5195% | 4,768 |
| Cash dividends to net income (ytd only)* | 33.2425% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 4,189 |
| Loan loss allowance to noncurrent loans | 65.9295% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.4948% | 1,076 |
| Noncurrent loans to loans | 1.5404% | 1,280 |
| Net loans and leases to total assets | 74.5009% | 1,660 |
| Net loans and leases to deposits | 88.9610% | 1,668 |
| Net loans and leases to core deposits | 93.1965% | 2,047 |
| Total domestic deposits to total assets | 83.7456% | 3,573 |
| Equity capital to assets | 10.5337% | 3,149 |
| Core capital (leverage) ratio | 10.2223% | 3,219 |
| Tier 1 risk-based capital ratio | 14.9757% | 2,976 |
| Total risk-based capital ratio | 16.1110% | 2,966 |
| Memoranda: | ||
| Average total assets | $143,232,500 | 3,641 |
| Average earning assets | $128,479,500 | 3,695 |
| Average equity | $15,030,500 | 3,776 |
| Average total loans | $108,727,000 | 3,267 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0690% | 529 |
| Cost of funding earning assets | 0.7909% | 527 |
| Net interest margin | 4.2781% | 963 |
| Noninterest income to average assets | 0.7746% | 1,858 |
| Noninterest expense to average assets | 3.5670% | 1,055 |
| Loan and lease loss provision to assets | 0.1523% | 1,645 |
| Net operating income to assets | 0.9006% | 2,817 |
| Return on assets (ROA) | 0.9006% | 2,938 |
| Pretax return on assets | 0.9006% | 3,851 |
| Return on Equity (ROE) | 8.6048% | 2,610 |
| Retained earnings to average equity (ytd only) | 1.6535% | 4,591 |
| Net charge-offs to loans | 0.2039% | 1,366 |
| Credit loss provision to net charge-offs | 100.4566% | 2,552 |
| Earnings coverage of net charge-offs (x) | 6.9452% | 3,096 |
| Efficiency ratio | 77.2101% | 1,811 |
| Assets per employee ($millions) | 3.3849% | 4,925 |
| Cash dividends to net income (ytd only)* | 80.7840% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 4,448 |
| Loan loss allowance to noncurrent loans | 46.7310% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.7677% | 847 |
| Noncurrent loans to loans | 2.0938% | 839 |
| Net loans and leases to total assets | 75.8142% | 1,541 |
| Net loans and leases to deposits | 90.5640% | 1,625 |
| Net loans and leases to core deposits | 94.9345% | 2,015 |
| Total domestic deposits to total assets | 83.7134% | 3,534 |
| Equity capital to assets | 10.4533% | 3,207 |
| Core capital (leverage) ratio | 10.0797% | 3,392 |
| Tier 1 risk-based capital ratio | 14.6904% | 3,109 |
| Total risk-based capital ratio | 15.7841% | 3,115 |
| Memoranda: | ||
| Average total assets | $144,461,400 | 3,598 |
| Average earning assets | $129,848,800 | 3,647 |
| Average equity | $15,119,400 | 3,794 |
| Average total loans | $107,384,400 | 3,250 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0433% | 550 |
| Cost of funding earning assets | 0.7985% | 512 |
| Net interest margin | 4.2448% | 1,037 |
| Noninterest income to average assets | 0.7676% | 1,897 |
| Noninterest expense to average assets | 3.5512% | 1,063 |
| Loan and lease loss provision to assets | 0.1655% | 1,380 |
| Net operating income to assets | 0.8678% | 3,058 |
| Return on assets (ROA) | 0.8678% | 3,183 |
| Pretax return on assets | 0.8678% | 4,085 |
| Return on Equity (ROE) | 8.2893% | 2,860 |
| Retained earnings to average equity (ytd only) | 5.2071% | 2,690 |
| Net charge-offs to loans | 0.1009% | 1,936 |
| Credit loss provision to net charge-offs | 222.2222% | 1,323 |
| Earnings coverage of net charge-offs (x) | 13.8762% | 2,272 |
| Efficiency ratio | 77.4614% | 1,766 |
| Assets per employee ($millions) | 3.3108% | 5,034 |
| Cash dividends to net income (ytd only)* | 37.1822% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 4,044 |
| Loan loss allowance to noncurrent loans | 42.7416% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 2.0518% | 758 |
| Noncurrent loans to loans | 2.4941% | 706 |
| Net loans and leases to total assets | 75.8160% | 1,551 |
| Net loans and leases to deposits | 91.0982% | 1,620 |
| Net loans and leases to core deposits | 95.5067% | 2,052 |
| Total domestic deposits to total assets | 83.2246% | 3,505 |
| Equity capital to assets | 10.9045% | 3,122 |
| Core capital (leverage) ratio | 10.0220% | 3,543 |
| Tier 1 risk-based capital ratio | 14.8685% | 3,117 |
| Total risk-based capital ratio | 16.0491% | 3,083 |
| Memoranda: | ||
| Average total assets | $145,035,250 | 3,606 |
| Average earning assets | $130,415,000 | 3,664 |
| Average equity | $15,184,000 | 3,815 |
| Average total loans | $107,018,750 | 3,276 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9851% | 610 |
| Cost of funding earning assets | 0.8006% | 492 |
| Net interest margin | 4.1845% | 1,152 |
| Noninterest income to average assets | 0.7620% | 1,882 |
| Noninterest expense to average assets | 3.5018% | 1,159 |
| Loan and lease loss provision to assets | 0.1645% | 1,370 |
| Net operating income to assets | 0.8566% | 3,065 |
| Return on assets (ROA) | 0.8566% | 3,187 |
| Pretax return on assets | 0.8566% | 4,096 |
| Return on Equity (ROE) | 8.2943% | 2,833 |
| Retained earnings to average equity (ytd only) | 4.9633% | 2,762 |
| Net charge-offs to loans | 0.1561% | 1,397 |
| Credit loss provision to net charge-offs | 144.5783% | 1,636 |
| Earnings coverage of net charge-offs (x) | 8.9759% | 2,462 |
| Efficiency ratio | 77.4242% | 1,867 |
| Assets per employee ($millions) | 3.5770% | 4,637 |
| Cash dividends to net income (ytd only)* | 40.1600% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 4,369 |
| Loan loss allowance to noncurrent loans | 40.4333% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 1.9931% | 825 |
| Noncurrent loans to loans | 2.5378% | 681 |
| Net loans and leases to total assets | 72.4130% | 2,103 |
| Net loans and leases to deposits | 88.5123% | 1,917 |
| Net loans and leases to core deposits | 92.7267% | 2,284 |
| Total domestic deposits to total assets | 81.8112% | 4,050 |
| Equity capital to assets | 10.5076% | 3,624 |
| Core capital (leverage) ratio | 9.9479% | 3,623 |
| Tier 1 risk-based capital ratio | 14.5810% | 3,272 |
| Total risk-based capital ratio | 15.6936% | 3,281 |
| Memoranda: | ||
| Average total assets | $145,926,000 | 3,616 |
| Average earning assets | $131,150,670 | 3,675 |
| Average equity | $15,070,670 | 3,848 |
| Average total loans | $106,326,000 | 3,301 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9882% | 595 |
| Cost of funding earning assets | 0.8130% | 456 |
| Net interest margin | 4.1752% | 1,158 |
| Noninterest income to average assets | 0.7090% | 1,998 |
| Noninterest expense to average assets | 3.4487% | 1,281 |
| Loan and lease loss provision to assets | 0.1649% | 1,253 |
| Net operating income to assets | 0.8491% | 2,992 |
| Return on assets (ROA) | 0.8491% | 3,121 |
| Pretax return on assets | 0.8491% | 4,036 |
| Return on Equity (ROE) | 8.2947% | 2,763 |
| Retained earnings to average equity (ytd only) | 5.7177% | 2,519 |
| Net charge-offs to loans | 0.1701% | 1,120 |
| Credit loss provision to net charge-offs | 133.3333% | 1,346 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 2,078 |
| Efficiency ratio | 77.2783% | 1,997 |
| Assets per employee ($millions) | 3.3965% | 4,980 |
| Cash dividends to net income (ytd only)* | 31.0680% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 4,553 |
| Loan loss allowance to noncurrent loans | 57.2110% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 1.4954% | 1,363 |
| Noncurrent loans to loans | 1.7627% | 1,257 |
| Net loans and leases to total assets | 72.5220% | 1,947 |
| Net loans and leases to deposits | 88.4580% | 1,776 |
| Net loans and leases to core deposits | 93.1008% | 2,079 |
| Total domestic deposits to total assets | 81.9847% | 4,233 |
| Equity capital to assets | 10.3541% | 3,679 |
| Core capital (leverage) ratio | 9.8918% | 3,671 |
| Tier 1 risk-based capital ratio | 14.4292% | 3,431 |
| Total risk-based capital ratio | 15.5204% | 3,444 |
| Memoranda: | ||
| Average total assets | $145,561,000 | 3,641 |
| Average earning assets | $130,869,000 | 3,701 |
| Average equity | $14,901,000 | 3,880 |
| Average total loans | $105,839,500 | 3,321 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0182% | 602 |
| Cost of funding earning assets | 0.8572% | 356 |
| Net interest margin | 4.1610% | 1,256 |
| Noninterest income to average assets | 0.8274% | 1,683 |
| Noninterest expense to average assets | 3.5355% | 1,238 |
| Loan and lease loss provision to assets | 0.1355% | 1,755 |
| Net operating income to assets | 0.9031% | 2,852 |
| Return on assets (ROA) | 0.9031% | 2,933 |
| Pretax return on assets | 0.9031% | 3,825 |
| Return on Equity (ROE) | 8.7177% | 2,614 |
| Retained earnings to average equity (ytd only) | 0.4560% | 5,333 |
| Net charge-offs to loans | 0.1837% | 1,567 |
| Credit loss provision to net charge-offs | 102.0942% | 2,456 |
| Earnings coverage of net charge-offs (x) | 7.8272% | 3,036 |
| Efficiency ratio | 77.2934% | 2,076 |
| Assets per employee ($millions) | 3.3738% | 5,034 |
| Cash dividends to net income (ytd only)* | 94.7692% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 4,504 |
| Loan loss allowance to noncurrent loans | 76.6571% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.1622% | 1,867 |
| Noncurrent loans to loans | 1.3259% | 1,778 |
| Net loans and leases to total assets | 71.4249% | 2,143 |
| Net loans and leases to deposits | 87.7436% | 1,912 |
| Net loans and leases to core deposits | 92.8760% | 2,142 |
| Total domestic deposits to total assets | 81.4019% | 4,371 |
| Equity capital to assets | 10.1190% | 3,841 |
| Core capital (leverage) ratio | 9.6996% | 3,910 |
| Tier 1 risk-based capital ratio | 14.3857% | 3,503 |
| Total risk-based capital ratio | 15.4749% | 3,504 |
| Memoranda: | ||
| Average total assets | $143,941,200 | 3,664 |
| Average earning assets | $129,607,600 | 3,709 |
| Average equity | $14,912,200 | 3,849 |
| Average total loans | $103,987,600 | 3,317 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0643% | 551 |
| Cost of funding earning assets | 0.8612% | 358 |
| Net interest margin | 4.2031% | 1,158 |
| Noninterest income to average assets | 0.8418% | 1,646 |
| Noninterest expense to average assets | 3.5370% | 1,216 |
| Loan and lease loss provision to assets | 0.1717% | 1,233 |
| Net operating income to assets | 0.9198% | 2,860 |
| Return on assets (ROA) | 0.9198% | 2,950 |
| Pretax return on assets | 0.9198% | 3,913 |
| Return on Equity (ROE) | 8.8262% | 2,665 |
| Retained earnings to average equity (ytd only) | 4.9786% | 2,932 |
| Net charge-offs to loans | 0.2440% | 1,071 |
| Credit loss provision to net charge-offs | 97.3684% | 2,346 |
| Earnings coverage of net charge-offs (x) | 6.1894% | 3,085 |
| Efficiency ratio | 76.4187% | 2,175 |
| Assets per employee ($millions) | 3.3994% | 4,983 |
| Cash dividends to net income (ytd only)* | 43.5927% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 4,668 |
| Loan loss allowance to noncurrent loans | 130.7311% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.7560% | 3,011 |
| Noncurrent loans to loans | 0.7762% | 3,025 |
| Net loans and leases to total assets | 70.4015% | 2,331 |
| Net loans and leases to deposits | 86.8114% | 2,051 |
| Net loans and leases to core deposits | 91.8559% | 2,277 |
| Total domestic deposits to total assets | 81.0971% | 4,454 |
| Equity capital to assets | 10.4609% | 3,640 |
| Core capital (leverage) ratio | 10.0880% | 3,515 |
| Tier 1 risk-based capital ratio | 15.0808% | 3,255 |
| Total risk-based capital ratio | 16.1747% | 3,283 |
| Memoranda: | ||
| Average total assets | $143,658,000 | 3,692 |
| Average earning assets | $129,426,250 | 3,748 |
| Average equity | $14,970,250 | 3,882 |
| Average total loans | $103,813,750 | 3,345 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0192% | 576 |
| Cost of funding earning assets | 0.8712% | 334 |
| Net interest margin | 4.1480% | 1,230 |
| Noninterest income to average assets | 0.8976% | 1,451 |
| Noninterest expense to average assets | 3.5933% | 1,139 |
| Loan and lease loss provision to assets | 0.2101% | 925 |
| Net operating income to assets | 0.8346% | 3,194 |
| Return on assets (ROA) | 0.8346% | 3,314 |
| Pretax return on assets | 0.8346% | 4,187 |
| Return on Equity (ROE) | 8.0197% | 3,041 |
| Retained earnings to average equity (ytd only) | 4.0906% | 3,419 |
| Net charge-offs to loans | 0.2718% | 972 |
| Credit loss provision to net charge-offs | 106.3830% | 1,968 |
| Earnings coverage of net charge-offs (x) | 5.2908% | 2,936 |
| Efficiency ratio | 77.4758% | 2,141 |
| Assets per employee ($millions) | 3.3377% | 5,095 |
| Cash dividends to net income (ytd only)* | 48.9933% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 4,736 |
| Loan loss allowance to noncurrent loans | 84.7740% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 1.1371% | 2,237 |
| Noncurrent loans to loans | 1.2096% | 2,234 |
| Net loans and leases to total assets | 71.8952% | 2,000 |
| Net loans and leases to deposits | 88.7299% | 1,750 |
| Net loans and leases to core deposits | 94.1967% | 1,943 |
| Total domestic deposits to total assets | 81.0270% | 4,611 |
| Equity capital to assets | 10.4083% | 3,555 |
| Core capital (leverage) ratio | 9.9666% | 3,655 |
| Tier 1 risk-based capital ratio | 14.9414% | 3,389 |
| Total risk-based capital ratio | 16.0591% | 3,398 |
| Memoranda: | ||
| Average total assets | $142,819,670 | 3,737 |
| Average earning assets | $128,786,330 | 3,780 |
| Average equity | $14,863,330 | 3,914 |
| Average total loans | $103,764,000 | 3,364 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9199% | 668 |
| Cost of funding earning assets | 0.8671% | 347 |
| Net interest margin | 4.0528% | 1,407 |
| Noninterest income to average assets | 0.9377% | 1,273 |
| Noninterest expense to average assets | 3.5404% | 1,228 |
| Loan and lease loss provision to assets | 0.1685% | 1,187 |
| Net operating income to assets | 0.8900% | 2,787 |
| Return on assets (ROA) | 0.8900% | 2,913 |
| Pretax return on assets | 0.8900% | 3,925 |
| Return on Equity (ROE) | 8.5525% | 2,675 |
| Retained earnings to average equity (ytd only) | 3.9120% | 3,650 |
| Net charge-offs to loans | 0.2202% | 1,063 |
| Credit loss provision to net charge-offs | 105.2632% | 1,553 |
| Earnings coverage of net charge-offs (x) | 6.6140% | 2,265 |
| Efficiency ratio | 76.9841% | 2,343 |
| Assets per employee ($millions) | 3.3498% | 5,167 |
| Cash dividends to net income (ytd only)* | 54.2587% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 4,818 |
| Loan loss allowance to noncurrent loans | 53.7412% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 1.5725% | 1,640 |
| Noncurrent loans to loans | 1.9371% | 1,376 |
| Net loans and leases to total assets | 70.1509% | 2,120 |
| Net loans and leases to deposits | 86.4528% | 1,778 |
| Net loans and leases to core deposits | 91.5338% | 1,983 |
| Total domestic deposits to total assets | 81.1436% | 4,788 |
| Equity capital to assets | 10.3894% | 3,666 |
| Core capital (leverage) ratio | 10.3104% | 3,205 |
| Tier 1 risk-based capital ratio | 15.0093% | 3,428 |
| Total risk-based capital ratio | 16.0997% | 3,453 |
| Memoranda: | ||
| Average total assets | $142,469,500 | 3,766 |
| Average earning assets | $128,702,000 | 3,813 |
| Average equity | $14,826,000 | 3,941 |
| Average total loans | $103,519,500 | 3,389 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2244% | 497 |
| Cost of funding earning assets | 0.9003% | 389 |
| Net interest margin | 4.3241% | 1,015 |
| Noninterest income to average assets | 0.8527% | 1,671 |
| Noninterest expense to average assets | 3.6097% | 1,287 |
| Loan and lease loss provision to assets | 0.2054% | 1,221 |
| Net operating income to assets | 0.9596% | 2,583 |
| Return on assets (ROA) | 0.9596% | 2,663 |
| Pretax return on assets | 0.9596% | 3,647 |
| Return on Equity (ROE) | 9.4451% | 2,362 |
| Retained earnings to average equity (ytd only) | 2.7534% | 4,281 |
| Net charge-offs to loans | 0.3852% | 1,109 |
| Credit loss provision to net charge-offs | 71.2531% | 3,045 |
| Earnings coverage of net charge-offs (x) | 4.0418% | 3,749 |
| Efficiency ratio | 75.6007% | 2,573 |
| Assets per employee ($millions) | 3.2767% | 5,303 |
| Cash dividends to net income (ytd only)* | 70.8487% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 4,990 |
| Loan loss allowance to noncurrent loans | 69.7368% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.3038% | 2,159 |
| Noncurrent loans to loans | 1.4486% | 2,032 |
| Net loans and leases to total assets | 73.7200% | 1,633 |
| Net loans and leases to deposits | 91.1924% | 1,381 |
| Net loans and leases to core deposits | 96.6862% | 1,664 |
| Total domestic deposits to total assets | 80.8400% | 4,783 |
| Equity capital to assets | 10.4239% | 3,586 |
| Core capital (leverage) ratio | 10.2756% | 3,199 |
| Tier 1 risk-based capital ratio | 15.5026% | 3,231 |
| Total risk-based capital ratio | 16.6369% | 3,226 |
| Memoranda: | ||
| Average total assets | $141,202,800 | 3,776 |
| Average earning assets | $128,071,600 | 3,807 |
| Average equity | $14,346,000 | 3,968 |
| Average total loans | $105,652,400 | 3,312 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2071% | 511 |
| Cost of funding earning assets | 0.9015% | 417 |
| Net interest margin | 4.3056% | 1,041 |
| Noninterest income to average assets | 0.8673% | 1,637 |
| Noninterest expense to average assets | 3.6664% | 1,179 |
| Loan and lease loss provision to assets | 0.2171% | 1,058 |
| Net operating income to assets | 0.8871% | 2,973 |
| Return on assets (ROA) | 0.8871% | 3,079 |
| Pretax return on assets | 0.8871% | 4,044 |
| Return on Equity (ROE) | 8.7885% | 2,794 |
| Retained earnings to average equity (ytd only) | 6.6381% | 2,021 |
| Net charge-offs to loans | 0.3931% | 1,012 |
| Credit loss provision to net charge-offs | 73.7179% | 2,702 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 3,601 |
| Efficiency ratio | 76.8546% | 2,366 |
| Assets per employee ($millions) | 3.2410% | 5,351 |
| Cash dividends to net income (ytd only)* | 24.4682% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0344% | 5,053 |
| Loan loss allowance to noncurrent loans | 58.8077% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 1.5657% | 1,955 |
| Noncurrent loans to loans | 1.7589% | 1,845 |
| Net loans and leases to total assets | 75.1751% | 1,337 |
| Net loans and leases to deposits | 93.3544% | 1,090 |
| Net loans and leases to core deposits | 98.5903% | 1,484 |
| Total domestic deposits to total assets | 80.5265% | 4,958 |
| Equity capital to assets | 10.6254% | 3,403 |
| Core capital (leverage) ratio | 10.4353% | 3,113 |
| Tier 1 risk-based capital ratio | 15.9363% | 3,085 |
| Total risk-based capital ratio | 17.1153% | 3,065 |
| Memoranda: | ||
| Average total assets | $141,279,000 | 3,801 |
| Average earning assets | $128,077,750 | 3,832 |
| Average equity | $14,260,750 | 4,003 |
| Average total loans | $105,833,000 | 3,338 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1950% | 515 |
| Cost of funding earning assets | 0.9014% | 427 |
| Net interest margin | 4.2936% | 1,038 |
| Noninterest income to average assets | 0.8935% | 1,518 |
| Noninterest expense to average assets | 3.6895% | 1,155 |
| Loan and lease loss provision to assets | 0.1691% | 1,449 |
| Net operating income to assets | 0.9217% | 2,694 |
| Return on assets (ROA) | 0.9217% | 2,797 |
| Pretax return on assets | 0.9217% | 3,798 |
| Return on Equity (ROE) | 9.2909% | 2,462 |
| Retained earnings to average equity (ytd only) | 7.4441% | 1,542 |
| Net charge-offs to loans | 0.3799% | 1,069 |
| Credit loss provision to net charge-offs | 59.7015% | 2,649 |
| Earnings coverage of net charge-offs (x) | 3.8507% | 3,207 |
| Efficiency ratio | 77.1816% | 2,430 |
| Assets per employee ($millions) | 3.4054% | 5,046 |
| Cash dividends to net income (ytd only)* | 19.8777% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 5,212 |
| Loan loss allowance to noncurrent loans | 57.2922% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 1.5941% | 2,056 |
| Noncurrent loans to loans | 1.7963% | 1,913 |
| Net loans and leases to total assets | 73.6936% | 1,475 |
| Net loans and leases to deposits | 93.1137% | 1,039 |
| Net loans and leases to core deposits | 98.3925% | 1,413 |
| Total domestic deposits to total assets | 79.1437% | 5,428 |
| Equity capital to assets | 10.1828% | 3,856 |
| Core capital (leverage) ratio | 10.2633% | 3,253 |
| Tier 1 risk-based capital ratio | 15.3887% | 3,417 |
| Total risk-based capital ratio | 16.5426% | 3,423 |
| Memoranda: | ||
| Average total assets | $141,917,330 | 3,819 |
| Average earning assets | $128,470,000 | 3,844 |
| Average equity | $14,078,330 | 4,037 |
| Average total loans | $105,823,330 | 3,339 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1464% | 542 |
| Cost of funding earning assets | 0.9030% | 441 |
| Net interest margin | 4.2434% | 1,112 |
| Noninterest income to average assets | 0.8913% | 1,421 |
| Noninterest expense to average assets | 3.6926% | 1,144 |
| Loan and lease loss provision to assets | 0.1698% | 1,420 |
| Net operating income to assets | 0.8715% | 2,782 |
| Return on assets (ROA) | 0.8715% | 2,854 |
| Pretax return on assets | 0.8715% | 3,821 |
| Return on Equity (ROE) | 8.9046% | 2,507 |
| Retained earnings to average equity (ytd only) | 8.9046% | 1,278 |
| Net charge-offs to loans | 0.1668% | 1,719 |
| Credit loss provision to net charge-offs | 136.3636% | 1,328 |
| Earnings coverage of net charge-offs (x) | 8.3636% | 2,034 |
| Efficiency ratio | 78.0036% | 2,475 |
| Assets per employee ($millions) | 3.4100% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 5,007 |
| Loan loss allowance to noncurrent loans | 49.2568% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 1.8824% | 1,832 |
| Noncurrent loans to loans | 2.2857% | 1,564 |
| Net loans and leases to total assets | 73.1522% | 1,405 |
| Net loans and leases to deposits | 92.0084% | 955 |
| Net loans and leases to core deposits | 96.6370% | 1,339 |
| Total domestic deposits to total assets | 79.5059% | 5,599 |
| Equity capital to assets | 9.8658% | 4,002 |
| Core capital (leverage) ratio | 10.1803% | 3,316 |
| Tier 1 risk-based capital ratio | 15.1110% | 3,651 |
| Total risk-based capital ratio | 16.3609% | 3,605 |
| Memoranda: | ||
| Average total assets | $141,363,000 | 3,860 |
| Average earning assets | $128,011,500 | 3,891 |
| Average equity | $13,835,500 | 4,076 |
| Average total loans | $105,486,500 | 3,358 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3502% | 481 |
| Cost of funding earning assets | 0.9275% | 648 |
| Net interest margin | 4.4227% | 871 |
| Noninterest income to average assets | 0.8849% | 1,734 |
| Noninterest expense to average assets | 3.8131% | 1,112 |
| Loan and lease loss provision to assets | 0.4606% | 622 |
| Net operating income to assets | 0.6165% | 4,185 |
| Return on assets (ROA) | 0.6165% | 4,298 |
| Pretax return on assets | 0.6165% | 4,818 |
| Return on Equity (ROE) | 5.9782% | 4,095 |
| Retained earnings to average equity (ytd only) | 0.1125% | 5,802 |
| Net charge-offs to loans | 0.9939% | 589 |
| Credit loss provision to net charge-offs | 63.1841% | 3,467 |
| Earnings coverage of net charge-offs (x) | 1.4776% | 4,558 |
| Efficiency ratio | 77.9739% | 2,471 |
| Assets per employee ($millions) | 3.3215% | 5,239 |
| Cash dividends to net income (ytd only)* | 98.1176% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 5,046 |
| Loan loss allowance to noncurrent loans | 38.9220% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 2.3971% | 1,447 |
| Noncurrent loans to loans | 2.8797% | 1,220 |
| Net loans and leases to total assets | 74.4301% | 1,287 |
| Net loans and leases to deposits | 93.8323% | 891 |
| Net loans and leases to core deposits | 98.7146% | 1,258 |
| Total domestic deposits to total assets | 79.3225% | 5,598 |
| Equity capital to assets | 9.7065% | 4,159 |
| Core capital (leverage) ratio | 10.2671% | 3,197 |
| Tier 1 risk-based capital ratio | 14.5957% | 3,904 |
| Total risk-based capital ratio | 15.8149% | 3,857 |
| Memoranda: | ||
| Average total assets | $137,868,200 | 3,920 |
| Average earning assets | $124,855,600 | 3,954 |
| Average equity | $14,218,400 | 4,024 |
| Average total loans | $101,118,000 | 3,424 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3648% | 472 |
| Cost of funding earning assets | 0.9261% | 722 |
| Net interest margin | 4.4387% | 824 |
| Noninterest income to average assets | 0.9050% | 1,744 |
| Noninterest expense to average assets | 3.8963% | 971 |
| Loan and lease loss provision to assets | 0.4122% | 720 |
| Net operating income to assets | 0.6130% | 4,295 |
| Return on assets (ROA) | 0.6130% | 4,421 |
| Pretax return on assets | 0.6130% | 4,972 |
| Return on Equity (ROE) | 5.8567% | 4,264 |
| Retained earnings to average equity (ytd only) | 3.5492% | 4,176 |
| Net charge-offs to loans | 0.8667% | 674 |
| Credit loss provision to net charge-offs | 65.2842% | 3,175 |
| Earnings coverage of net charge-offs (x) | 1.6237% | 4,298 |
| Efficiency ratio | 79.1683% | 2,239 |
| Assets per employee ($millions) | 3.3856% | 5,092 |
| Cash dividends to net income (ytd only)* | 39.3983% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 4,637 |
| Loan loss allowance to noncurrent loans | 33.3839% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 2.8496% | 1,303 |
| Noncurrent loans to loans | 3.7471% | 982 |
| Net loans and leases to total assets | 73.3368% | 1,390 |
| Net loans and leases to deposits | 92.5076% | 948 |
| Net loans and leases to core deposits | 97.2335% | 1,291 |
| Total domestic deposits to total assets | 79.2765% | 5,682 |
| Equity capital to assets | 9.9616% | 3,952 |
| Core capital (leverage) ratio | 10.6009% | 2,891 |
| Tier 1 risk-based capital ratio | 14.8039% | 3,874 |
| Total risk-based capital ratio | 16.0552% | 3,829 |
| Memoranda: | ||
| Average total assets | $137,459,250 | 3,965 |
| Average earning assets | $124,387,500 | 3,994 |
| Average equity | $14,387,750 | 4,038 |
| Average total loans | $100,145,000 | 3,468 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4341% | 419 |
| Cost of funding earning assets | 0.9298% | 774 |
| Net interest margin | 4.5043% | 704 |
| Noninterest income to average assets | 0.9346% | 1,705 |
| Noninterest expense to average assets | 3.9491% | 919 |
| Loan and lease loss provision to assets | 0.4342% | 680 |
| Net operating income to assets | 0.6300% | 4,158 |
| Return on assets (ROA) | 0.6300% | 4,312 |
| Pretax return on assets | 0.6300% | 4,910 |
| Return on Equity (ROE) | 5.9190% | 4,222 |
| Retained earnings to average equity (ytd only) | 2.7382% | 4,572 |
| Net charge-offs to loans | 1.2347% | 461 |
| Credit loss provision to net charge-offs | 48.5997% | 3,242 |
| Earnings coverage of net charge-offs (x) | 1.1911% | 4,142 |
| Efficiency ratio | 78.7728% | 2,337 |
| Assets per employee ($millions) | 3.2518% | 5,372 |
| Cash dividends to net income (ytd only)* | 53.7383% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 4,762 |
| Loan loss allowance to noncurrent loans | 36.8987% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 2.5407% | 1,663 |
| Noncurrent loans to loans | 3.3709% | 1,276 |
| Net loans and leases to total assets | 71.7952% | 1,612 |
| Net loans and leases to deposits | 89.7849% | 1,171 |
| Net loans and leases to core deposits | 94.0449% | 1,517 |
| Total domestic deposits to total assets | 79.9635% | 5,612 |
| Equity capital to assets | 10.3327% | 3,514 |
| Core capital (leverage) ratio | 10.5170% | 2,862 |
| Tier 1 risk-based capital ratio | 15.5821% | 3,437 |
| Total risk-based capital ratio | 16.8082% | 3,402 |
| Memoranda: | ||
| Average total assets | $135,880,330 | 4,026 |
| Average earning assets | $123,037,330 | 4,061 |
| Average equity | $14,462,000 | 4,058 |
| Average total loans | $98,325,670 | 3,536 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4534% | 392 |
| Cost of funding earning assets | 0.9393% | 821 |
| Net interest margin | 4.5141% | 665 |
| Noninterest income to average assets | 0.9739% | 1,543 |
| Noninterest expense to average assets | 4.0551% | 834 |
| Loan and lease loss provision to assets | 0.2656% | 1,337 |
| Net operating income to assets | 0.7378% | 3,489 |
| Return on assets (ROA) | 0.7378% | 3,626 |
| Pretax return on assets | 0.7378% | 4,418 |
| Return on Equity (ROE) | 6.8320% | 3,577 |
| Retained earnings to average equity (ytd only) | 2.3775% | 4,838 |
| Net charge-offs to loans | 0.1554% | 2,467 |
| Credit loss provision to net charge-offs | 236.8421% | 961 |
| Earnings coverage of net charge-offs (x) | 8.9474% | 1,899 |
| Efficiency ratio | 80.1634% | 2,318 |
| Assets per employee ($millions) | 3.2293% | 5,572 |
| Cash dividends to net income (ytd only)* | 65.2000% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 3,287 |
| Loan loss allowance to noncurrent loans | 41.4034% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 2.9529% | 1,524 |
| Noncurrent loans to loans | 3.9299% | 1,160 |
| Net loans and leases to total assets | 71.2775% | 1,477 |
| Net loans and leases to deposits | 86.4936% | 1,294 |
| Net loans and leases to core deposits | 90.7268% | 1,637 |
| Total domestic deposits to total assets | 82.4079% | 5,057 |
| Equity capital to assets | 10.7993% | 3,200 |
| Core capital (leverage) ratio | 10.4884% | 2,794 |
| Tier 1 risk-based capital ratio | 15.7835% | 3,383 |
| Total risk-based capital ratio | 17.0152% | 3,350 |
| Memoranda: | ||
| Average total assets | $135,532,500 | 4,077 |
| Average earning assets | $122,638,000 | 4,106 |
| Average equity | $14,637,000 | 4,067 |
| Average total loans | $97,843,500 | 3,569 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7361% | 410 |
| Cost of funding earning assets | 1.1784% | 638 |
| Net interest margin | 4.5577% | 844 |
| Noninterest income to average assets | 0.7014% | 2,713 |
| Noninterest expense to average assets | 3.5055% | 1,804 |
| Loan and lease loss provision to assets | 0.3789% | 1,727 |
| Net operating income to assets | 0.9176% | 2,728 |
| Return on assets (ROA) | 0.9176% | 2,968 |
| Pretax return on assets | 0.9176% | 3,870 |
| Return on Equity (ROE) | 8.5079% | 2,860 |
| Retained earnings to average equity (ytd only) | 2.1080% | 4,741 |
| Net charge-offs to loans | 0.4399% | 2,472 |
| Credit loss provision to net charge-offs | 119.1589% | 2,411 |
| Earnings coverage of net charge-offs (x) | 4.0771% | 3,491 |
| Efficiency ratio | 73.0002% | 3,241 |
| Assets per employee ($millions) | 3.3033% | 5,416 |
| Cash dividends to net income (ytd only)* | 75.2227% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5881% | 3,373 |
| Loan loss allowance to noncurrent loans | 46.6667% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 2.6271% | 1,852 |
| Noncurrent loans to loans | 3.4030% | 1,477 |
| Net loans and leases to total assets | 70.7847% | 1,684 |
| Net loans and leases to deposits | 86.0575% | 1,506 |
| Net loans and leases to core deposits | 90.5517% | 1,773 |
| Total domestic deposits to total assets | 82.2529% | 5,007 |
| Equity capital to assets | 10.7999% | 3,175 |
| Core capital (leverage) ratio | 10.5977% | 2,657 |
| Tier 1 risk-based capital ratio | 15.8765% | 3,230 |
| Total risk-based capital ratio | 17.1331% | 3,186 |
| Memoranda: | ||
| Average total assets | $134,590,000 | 4,046 |
| Average earning assets | $121,092,800 | 4,090 |
| Average equity | $14,516,000 | 4,059 |
| Average total loans | $97,293,400 | 3,586 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7105% | 454 |
| Cost of funding earning assets | 1.2299% | 600 |
| Net interest margin | 4.4806% | 1,029 |
| Noninterest income to average assets | 0.7253% | 2,593 |
| Noninterest expense to average assets | 3.4667% | 1,838 |
| Loan and lease loss provision to assets | 0.4763% | 1,299 |
| Net operating income to assets | 0.8126% | 3,386 |
| Return on assets (ROA) | 0.8126% | 3,627 |
| Pretax return on assets | 0.8126% | 4,436 |
| Return on Equity (ROE) | 7.5369% | 3,509 |
| Retained earnings to average equity (ytd only) | 5.8897% | 2,768 |
| Net charge-offs to loans | 0.4510% | 2,301 |
| Credit loss provision to net charge-offs | 145.8967% | 1,953 |
| Earnings coverage of net charge-offs (x) | 3.9483% | 3,447 |
| Efficiency ratio | 72.8980% | 3,166 |
| Assets per employee ($millions) | 3.2847% | 5,471 |
| Cash dividends to net income (ytd only)* | 21.8559% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6811% | 3,208 |
| Loan loss allowance to noncurrent loans | 57.3101% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 2.2358% | 2,384 |
| Noncurrent loans to loans | 2.9334% | 1,902 |
| Net loans and leases to total assets | 70.1341% | 1,887 |
| Net loans and leases to deposits | 85.5953% | 1,651 |
| Net loans and leases to core deposits | 90.3967% | 1,937 |
| Total domestic deposits to total assets | 81.9369% | 5,050 |
| Equity capital to assets | 11.1233% | 3,125 |
| Core capital (leverage) ratio | 10.7251% | 2,676 |
| Tier 1 risk-based capital ratio | 16.4955% | 3,003 |
| Total risk-based capital ratio | 17.7526% | 2,965 |
| Memoranda: | ||
| Average total assets | $134,378,500 | 4,091 |
| Average earning assets | $120,873,000 | 4,134 |
| Average equity | $14,488,250 | 4,109 |
| Average total loans | $97,263,000 | 3,628 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7640% | 428 |
| Cost of funding earning assets | 1.2645% | 610 |
| Net interest margin | 4.4996% | 996 |
| Noninterest income to average assets | 0.4707% | 4,126 |
| Noninterest expense to average assets | 3.4644% | 1,869 |
| Loan and lease loss provision to assets | 0.6256% | 930 |
| Net operating income to assets | 0.4141% | 5,167 |
| Return on assets (ROA) | 0.4141% | 5,395 |
| Pretax return on assets | 0.4141% | 5,677 |
| Return on Equity (ROE) | 3.8815% | 5,325 |
| Retained earnings to average equity (ytd only) | 2.9041% | 4,702 |
| Net charge-offs to loans | 0.5058% | 2,065 |
| Credit loss provision to net charge-offs | 170.0405% | 1,646 |
| Earnings coverage of net charge-offs (x) | 2.8259% | 3,614 |
| Efficiency ratio | 76.9180% | 2,610 |
| Assets per employee ($millions) | 3.2635% | 5,530 |
| Cash dividends to net income (ytd only)* | 25.1799% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7270% | 3,118 |
| Loan loss allowance to noncurrent loans | 61.8580% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 2.1345% | 2,625 |
| Noncurrent loans to loans | 2.7919% | 2,142 |
| Net loans and leases to total assets | 69.6599% | 1,976 |
| Net loans and leases to deposits | 87.1476% | 1,456 |
| Net loans and leases to core deposits | 91.5149% | 1,819 |
| Total domestic deposits to total assets | 79.9332% | 5,756 |
| Equity capital to assets | 10.8652% | 3,274 |
| Core capital (leverage) ratio | 10.4035% | 2,915 |
| Tier 1 risk-based capital ratio | 16.2014% | 3,067 |
| Total risk-based capital ratio | 17.4592% | 3,026 |
| Memoranda: | ||
| Average total assets | $134,280,670 | 4,111 |
| Average earning assets | $120,367,000 | 4,161 |
| Average equity | $14,324,330 | 4,132 |
| Average total loans | $97,662,000 | 3,633 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8458% | 395 |
| Cost of funding earning assets | 1.2950% | 642 |
| Net interest margin | 4.5508% | 915 |
| Noninterest income to average assets | 0.5561% | 3,528 |
| Noninterest expense to average assets | 3.5445% | 1,673 |
| Loan and lease loss provision to assets | 0.6244% | 895 |
| Net operating income to assets | 0.4520% | 5,027 |
| Return on assets (ROA) | 0.4520% | 5,218 |
| Pretax return on assets | 0.4520% | 5,574 |
| Return on Equity (ROE) | 4.2764% | 5,148 |
| Retained earnings to average equity (ytd only) | 4.2764% | 4,022 |
| Net charge-offs to loans | 0.7712% | 1,331 |
| Credit loss provision to net charge-offs | 109.9476% | 2,130 |
| Earnings coverage of net charge-offs (x) | 1.8953% | 3,389 |
| Efficiency ratio | 76.7053% | 2,687 |
| Assets per employee ($millions) | 3.3239% | 5,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 3,965 |
| Loan loss allowance to noncurrent loans | 59.4000% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 3.9735% | 1,393 |
| Noncurrent loans to loans | 2.6011% | 2,501 |
| Net loans and leases to total assets | 69.4367% | 1,851 |
| Net loans and leases to deposits | 86.3755% | 1,376 |
| Net loans and leases to core deposits | 90.6415% | 1,785 |
| Total domestic deposits to total assets | 80.3894% | 5,753 |
| Equity capital to assets | 10.4947% | 3,496 |
| Core capital (leverage) ratio | 10.3964% | 2,881 |
| Tier 1 risk-based capital ratio | 15.5600% | 3,405 |
| Total risk-based capital ratio | 16.8153% | 3,376 |
| Memoranda: | ||
| Average total assets | $134,519,500 | 4,140 |
| Average earning assets | $120,155,500 | 4,191 |
| Average equity | $14,217,500 | 4,158 |
| Average total loans | $99,070,500 | 3,623 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1921% | 310 |
| Cost of funding earning assets | 1.4840% | 760 |
| Net interest margin | 4.7082% | 742 |
| Noninterest income to average assets | 0.5944% | 3,195 |
| Noninterest expense to average assets | 3.4752% | 2,052 |
| Loan and lease loss provision to assets | 0.8981% | 1,070 |
| Net operating income to assets | 0.4856% | 4,488 |
| Return on assets (ROA) | 0.4856% | 4,693 |
| Pretax return on assets | 0.4856% | 5,032 |
| Return on Equity (ROE) | 4.6815% | 4,536 |
| Retained earnings to average equity (ytd only) | 0.6751% | 5,533 |
| Net charge-offs to loans | 1.7000% | 896 |
| Credit loss provision to net charge-offs | 67.1217% | 4,956 |
| Earnings coverage of net charge-offs (x) | 1.0341% | 5,015 |
| Efficiency ratio | 71.5226% | 3,683 |
| Assets per employee ($millions) | 3.3190% | 5,457 |
| Cash dividends to net income (ytd only)* | 85.5799% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 4,305 |
| Loan loss allowance to noncurrent loans | 53.5845% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 2.5934% | 2,342 |
| Noncurrent loans to loans | 2.6796% | 2,428 |
| Net loans and leases to total assets | 75.7481% | 980 |
| Net loans and leases to deposits | 95.9598% | 673 |
| Net loans and leases to core deposits | 100.9689% | 1,093 |
| Total domestic deposits to total assets | 78.9373% | 6,009 |
| Equity capital to assets | 10.6454% | 3,368 |
| Core capital (leverage) ratio | 10.4619% | 2,771 |
| Tier 1 risk-based capital ratio | 15.1643% | 3,537 |
| Total risk-based capital ratio | 16.4188% | 3,502 |
| Memoranda: | ||
| Average total assets | $131,387,800 | 4,141 |
| Average earning assets | $119,006,400 | 4,156 |
| Average equity | $13,628,200 | 4,205 |
| Average total loans | $103,413,600 | 3,536 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1874% | 333 |
| Cost of funding earning assets | 1.5250% | 782 |
| Net interest margin | 4.6624% | 826 |
| Noninterest income to average assets | 0.6013% | 3,153 |
| Noninterest expense to average assets | 3.5702% | 1,771 |
| Loan and lease loss provision to assets | 1.0480% | 804 |
| Net operating income to assets | 0.2137% | 5,660 |
| Return on assets (ROA) | 0.2137% | 5,799 |
| Pretax return on assets | 0.2137% | 5,872 |
| Return on Equity (ROE) | 2.0737% | 5,749 |
| Retained earnings to average equity (ytd only) | -1.3331% | 6,207 |
| Net charge-offs to loans | 2.2346% | 550 |
| Credit loss provision to net charge-offs | 59.2294% | 4,831 |
| Earnings coverage of net charge-offs (x) | 0.7131% | 5,088 |
| Efficiency ratio | 73.8892% | 3,202 |
| Assets per employee ($millions) | 3.2410% | 5,588 |
| Cash dividends to net income (ytd only)* | 164.2880% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 4,990 |
| Loan loss allowance to noncurrent loans | 42.0422% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 2.5451% | 2,525 |
| Noncurrent loans to loans | 3.1024% | 2,235 |
| Net loans and leases to total assets | 75.9644% | 979 |
| Net loans and leases to deposits | 94.9364% | 766 |
| Net loans and leases to core deposits | 99.8585% | 1,257 |
| Total domestic deposits to total assets | 80.0161% | 5,728 |
| Equity capital to assets | 10.5161% | 3,688 |
| Core capital (leverage) ratio | 10.3177% | 3,066 |
| Tier 1 risk-based capital ratio | 14.7952% | 3,778 |
| Total risk-based capital ratio | 16.0475% | 3,754 |
| Memoranda: | ||
| Average total assets | $131,044,500 | 4,180 |
| Average earning assets | $118,904,750 | 4,181 |
| Average equity | $13,502,000 | 4,239 |
| Average total loans | $103,759,750 | 3,549 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2198% | 323 |
| Cost of funding earning assets | 1.5748% | 774 |
| Net interest margin | 4.6450% | 830 |
| Noninterest income to average assets | 0.6210% | 3,000 |
| Noninterest expense to average assets | 3.5850% | 1,774 |
| Loan and lease loss provision to assets | 1.3494% | 543 |
| Net operating income to assets | -0.1027% | 6,355 |
| Return on assets (ROA) | -0.1027% | 6,407 |
| Pretax return on assets | -0.1027% | 6,366 |
| Return on Equity (ROE) | -1.0041% | 6,402 |
| Retained earnings to average equity (ytd only) | -6.1747% | 6,671 |
| Net charge-offs to loans | 0.4451% | 2,792 |
| Credit loss provision to net charge-offs | 379.3103% | 793 |
| Earnings coverage of net charge-offs (x) | 3.5043% | 3,150 |
| Efficiency ratio | 74.1987% | 3,327 |
| Assets per employee ($millions) | 3.1488% | 5,758 |
| Cash dividends to net income (ytd only)* | -514.9254% | 7,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6004% | 1,315 |
| Loan loss allowance to noncurrent loans | 57.0853% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 3.7893% | 1,712 |
| Noncurrent loans to loans | 4.5552% | 1,446 |
| Net loans and leases to total assets | 78.0750% | 769 |
| Net loans and leases to deposits | 94.9767% | 806 |
| Net loans and leases to core deposits | 100.0208% | 1,339 |
| Total domestic deposits to total assets | 82.2044% | 5,095 |
| Equity capital to assets | 10.3750% | 3,661 |
| Core capital (leverage) ratio | 10.1306% | 3,105 |
| Tier 1 risk-based capital ratio | 14.7804% | 3,626 |
| Total risk-based capital ratio | 16.0519% | 3,585 |
| Memoranda: | ||
| Average total assets | $130,432,000 | 4,223 |
| Average earning assets | $118,234,670 | 4,226 |
| Average equity | $13,344,670 | 4,269 |
| Average total loans | $104,254,000 | 3,577 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1644% | 353 |
| Cost of funding earning assets | 1.6169% | 772 |
| Net interest margin | 4.5475% | 965 |
| Noninterest income to average assets | 0.5858% | 3,266 |
| Noninterest expense to average assets | 3.5546% | 1,867 |
| Loan and lease loss provision to assets | 0.4272% | 2,055 |
| Net operating income to assets | 0.7231% | 3,414 |
| Return on assets (ROA) | 0.7231% | 3,479 |
| Pretax return on assets | 0.7231% | 4,206 |
| Return on Equity (ROE) | 7.1171% | 3,319 |
| Retained earnings to average equity (ytd only) | 0.2102% | 5,732 |
| Net charge-offs to loans | 0.1873% | 3,376 |
| Credit loss provision to net charge-offs | 285.7143% | 1,113 |
| Earnings coverage of net charge-offs (x) | 7.6939% | 1,914 |
| Efficiency ratio | 75.5512% | 3,235 |
| Assets per employee ($millions) | 3.0256% | 6,104 |
| Cash dividends to net income (ytd only)* | 97.0464% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0594% | 2,270 |
| Loan loss allowance to noncurrent loans | 75.5131% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 2.3812% | 2,863 |
| Noncurrent loans to loans | 2.7273% | 2,768 |
| Net loans and leases to total assets | 78.0049% | 725 |
| Net loans and leases to deposits | 95.5765% | 721 |
| Net loans and leases to core deposits | 100.7545% | 1,277 |
| Total domestic deposits to total assets | 81.6152% | 5,453 |
| Equity capital to assets | 10.2935% | 3,421 |
| Core capital (leverage) ratio | 10.4877% | 2,625 |
| Tier 1 risk-based capital ratio | 14.9127% | 3,469 |
| Total risk-based capital ratio | 16.1760% | 3,427 |
| Memoranda: | ||
| Average total assets | $131,098,500 | 4,230 |
| Average earning assets | $118,745,500 | 4,243 |
| Average equity | $13,320,000 | 4,260 |
| Average total loans | $104,638,500 | 3,608 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8552% | 183 |
| Cost of funding earning assets | 1.8367% | 1,042 |
| Net interest margin | 5.0185% | 414 |
| Noninterest income to average assets | 0.6501% | 3,153 |
| Noninterest expense to average assets | 3.4680% | 2,256 |
| Loan and lease loss provision to assets | 0.6478% | 2,549 |
| Net operating income to assets | 1.0858% | 1,737 |
| Return on assets (ROA) | 1.0858% | 1,829 |
| Pretax return on assets | 1.0858% | 2,637 |
| Return on Equity (ROE) | 10.2309% | 1,844 |
| Retained earnings to average equity (ytd only) | -0.3633% | 5,683 |
| Net charge-offs to loans | 0.2477% | 4,808 |
| Credit loss provision to net charge-offs | 321.8391% | 804 |
| Earnings coverage of net charge-offs (x) | 8.6130% | 1,950 |
| Efficiency ratio | 66.6716% | 4,827 |
| Assets per employee ($millions) | 3.0720% | 5,940 |
| Cash dividends to net income (ytd only)* | 103.5511% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9336% | 2,462 |
| Loan loss allowance to noncurrent loans | 63.4078% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 2.6405% | 2,634 |
| Noncurrent loans to loans | 3.0495% | 2,502 |
| Net loans and leases to total assets | 78.4390% | 881 |
| Net loans and leases to deposits | 96.6251% | 807 |
| Net loans and leases to core deposits | 101.5127% | 1,491 |
| Total domestic deposits to total assets | 81.1787% | 5,464 |
| Equity capital to assets | 10.0291% | 3,713 |
| Core capital (leverage) ratio | 10.2718% | 2,797 |
| Tier 1 risk-based capital ratio | 14.4072% | 3,609 |
| Total risk-based capital ratio | 15.6687% | 3,558 |
| Memoranda: | ||
| Average total assets | $129,670,800 | 4,280 |
| Average earning assets | $117,604,800 | 4,279 |
| Average equity | $13,762,200 | 4,196 |
| Average total loans | $105,383,200 | 3,643 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9025% | 170 |
| Cost of funding earning assets | 1.8706% | 1,136 |
| Net interest margin | 5.0319% | 403 |
| Noninterest income to average assets | 0.6797% | 2,949 |
| Noninterest expense to average assets | 3.5681% | 1,856 |
| Loan and lease loss provision to assets | 0.6508% | 2,350 |
| Net operating income to assets | 1.0237% | 2,160 |
| Return on assets (ROA) | 1.0237% | 2,266 |
| Pretax return on assets | 1.0237% | 3,094 |
| Return on Equity (ROE) | 9.5121% | 2,316 |
| Retained earnings to average equity (ytd only) | 3.5802% | 3,929 |
| Net charge-offs to loans | 0.2317% | 4,545 |
| Credit loss provision to net charge-offs | 344.2623% | 925 |
| Earnings coverage of net charge-offs (x) | 8.8581% | 2,101 |
| Efficiency ratio | 68.0591% | 4,454 |
| Assets per employee ($millions) | 3.0303% | 6,084 |
| Cash dividends to net income (ytd only)* | 62.3613% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8017% | 2,787 |
| Loan loss allowance to noncurrent loans | 79.9916% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 2.0621% | 3,390 |
| Noncurrent loans to loans | 2.2523% | 3,388 |
| Net loans and leases to total assets | 79.9365% | 760 |
| Net loans and leases to deposits | 99.7520% | 677 |
| Net loans and leases to core deposits | 105.3058% | 1,381 |
| Total domestic deposits to total assets | 80.1352% | 5,663 |
| Equity capital to assets | 10.8556% | 3,108 |
| Core capital (leverage) ratio | 10.7393% | 2,478 |
| Tier 1 risk-based capital ratio | 14.8781% | 3,314 |
| Total risk-based capital ratio | 16.1382% | 3,285 |
| Memoranda: | ||
| Average total assets | $129,064,750 | 4,349 |
| Average earning assets | $117,036,000 | 4,356 |
| Average equity | $13,890,750 | 4,226 |
| Average total loans | $105,314,750 | 3,698 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9182% | 175 |
| Cost of funding earning assets | 1.8936% | 1,264 |
| Net interest margin | 5.0245% | 400 |
| Noninterest income to average assets | 0.6887% | 2,768 |
| Noninterest expense to average assets | 3.5880% | 1,808 |
| Loan and lease loss provision to assets | 0.6529% | 2,205 |
| Net operating income to assets | 1.0058% | 2,172 |
| Return on assets (ROA) | 1.0058% | 2,249 |
| Pretax return on assets | 1.0058% | 3,091 |
| Return on Equity (ROE) | 9.3727% | 2,325 |
| Retained earnings to average equity (ytd only) | 3.0132% | 4,199 |
| Net charge-offs to loans | 0.1866% | 4,495 |
| Credit loss provision to net charge-offs | 428.5714% | 845 |
| Earnings coverage of net charge-offs (x) | 10.8878% | 1,829 |
| Efficiency ratio | 68.3852% | 4,502 |
| Assets per employee ($millions) | 3.1451% | 5,799 |
| Cash dividends to net income (ytd only)* | 67.8516% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7002% | 3,078 |
| Loan loss allowance to noncurrent loans | 63.8085% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 2.3622% | 3,059 |
| Noncurrent loans to loans | 2.6646% | 2,976 |
| Net loans and leases to total assets | 80.0772% | 785 |
| Net loans and leases to deposits | 99.8984% | 735 |
| Net loans and leases to core deposits | 104.9082% | 1,547 |
| Total domestic deposits to total assets | 80.1587% | 5,683 |
| Equity capital to assets | 10.8400% | 3,039 |
| Core capital (leverage) ratio | 10.8059% | 2,395 |
| Tier 1 risk-based capital ratio | 14.6597% | 3,348 |
| Total risk-based capital ratio | 15.9173% | 3,320 |
| Memoranda: | ||
| Average total assets | $128,652,670 | 4,386 |
| Average earning assets | $116,707,330 | 4,400 |
| Average equity | $13,806,000 | 4,244 |
| Average total loans | $105,063,330 | 3,740 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8868% | 200 |
| Cost of funding earning assets | 1.9288% | 1,327 |
| Net interest margin | 4.9579% | 454 |
| Noninterest income to average assets | 0.6474% | 2,950 |
| Noninterest expense to average assets | 3.5952% | 1,744 |
| Loan and lease loss provision to assets | 0.6537% | 1,941 |
| Net operating income to assets | 0.8871% | 2,604 |
| Return on assets (ROA) | 0.8871% | 2,671 |
| Pretax return on assets | 0.8871% | 3,513 |
| Return on Equity (ROE) | 8.3090% | 2,735 |
| Retained earnings to average equity (ytd only) | 4.4315% | 3,494 |
| Net charge-offs to loans | 0.1332% | 4,156 |
| Credit loss provision to net charge-offs | 600.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 14.1429% | 1,452 |
| Efficiency ratio | 70.0000% | 4,294 |
| Assets per employee ($millions) | 2.9741% | 6,271 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 3,590 |
| Loan loss allowance to noncurrent loans | 53.5621% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 2.5898% | 2,818 |
| Noncurrent loans to loans | 2.9258% | 2,752 |
| Net loans and leases to total assets | 80.4978% | 769 |
| Net loans and leases to deposits | 100.4518% | 726 |
| Net loans and leases to core deposits | 104.8746% | 1,666 |
| Total domestic deposits to total assets | 80.1357% | 5,738 |
| Equity capital to assets | 10.8306% | 2,927 |
| Core capital (leverage) ratio | 10.7635% | 2,402 |
| Tier 1 risk-based capital ratio | 14.5742% | 3,338 |
| Total risk-based capital ratio | 15.8305% | 3,296 |
| Memoranda: | ||
| Average total assets | $128,505,000 | 4,446 |
| Average earning assets | $116,339,000 | 4,462 |
| Average equity | $13,720,000 | 4,309 |
| Average total loans | $105,073,000 | 3,796 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0056% | 281 |
| Cost of funding earning assets | 2.2126% | 1,974 |
| Net interest margin | 4.7930% | 708 |
| Noninterest income to average assets | 0.7385% | 2,745 |
| Noninterest expense to average assets | 3.5405% | 2,292 |
| Loan and lease loss provision to assets | 0.6586% | 3,179 |
| Net operating income to assets | 0.9008% | 2,174 |
| Return on assets (ROA) | 0.9008% | 2,243 |
| Pretax return on assets | 0.9008% | 2,921 |
| Return on Equity (ROE) | 8.4289% | 2,225 |
| Retained earnings to average equity (ytd only) | 0.0880% | 4,851 |
| Net charge-offs to loans | 0.7810% | 2,872 |
| Credit loss provision to net charge-offs | 103.0675% | 5,359 |
| Earnings coverage of net charge-offs (x) | 2.4405% | 3,902 |
| Efficiency ratio | 69.4235% | 4,745 |
| Assets per employee ($millions) | 2.8694% | 6,519 |
| Cash dividends to net income (ytd only)* | 98.9556% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 4,302 |
| Loan loss allowance to noncurrent loans | 50.6049% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 2.7269% | 2,559 |
| Noncurrent loans to loans | 2.7406% | 2,820 |
| Net loans and leases to total assets | 80.6183% | 891 |
| Net loans and leases to deposits | 101.1888% | 810 |
| Net loans and leases to core deposits | 135.1212% | 999 |
| Total domestic deposits to total assets | 79.6712% | 5,787 |
| Equity capital to assets | 10.5242% | 3,150 |
| Core capital (leverage) ratio | 10.5452% | 2,559 |
| Tier 1 risk-based capital ratio | 14.3179% | 3,312 |
| Total risk-based capital ratio | 15.5712% | 3,258 |
| Memoranda: | ||
| Average total assets | $127,551,400 | 4,394 |
| Average earning assets | $116,064,800 | 4,394 |
| Average equity | $13,631,600 | 4,353 |
| Average total loans | $104,351,200 | 3,826 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9981% | 300 |
| Cost of funding earning assets | 2.2549% | 2,170 |
| Net interest margin | 4.7432% | 770 |
| Noninterest income to average assets | 0.7539% | 2,690 |
| Noninterest expense to average assets | 3.5661% | 2,108 |
| Loan and lease loss provision to assets | 0.6606% | 2,764 |
| Net operating income to assets | 0.8504% | 2,615 |
| Return on assets (ROA) | 0.8504% | 2,683 |
| Pretax return on assets | 0.8504% | 3,375 |
| Return on Equity (ROE) | 7.9262% | 2,673 |
| Retained earnings to average equity (ytd only) | 2.6779% | 3,829 |
| Net charge-offs to loans | 0.8855% | 2,192 |
| Credit loss provision to net charge-offs | 91.1722% | 5,448 |
| Earnings coverage of net charge-offs (x) | 2.0854% | 4,257 |
| Efficiency ratio | 70.2396% | 4,542 |
| Assets per employee ($millions) | 2.8571% | 6,516 |
| Cash dividends to net income (ytd only)* | 66.2141% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 4,302 |
| Loan loss allowance to noncurrent loans | 67.9487% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 2.1132% | 3,196 |
| Noncurrent loans to loans | 1.9613% | 3,685 |
| Net loans and leases to total assets | 79.3507% | 1,313 |
| Net loans and leases to deposits | 99.0793% | 1,204 |
| Net loans and leases to core deposits | 131.5904% | 1,344 |
| Total domestic deposits to total assets | 80.0880% | 5,398 |
| Equity capital to assets | 10.8469% | 3,170 |
| Core capital (leverage) ratio | 10.8100% | 2,557 |
| Tier 1 risk-based capital ratio | 14.8272% | 3,122 |
| Total risk-based capital ratio | 16.0802% | 3,062 |
| Memoranda: | ||
| Average total assets | $127,158,750 | 4,421 |
| Average earning assets | $115,895,250 | 4,430 |
| Average equity | $13,642,250 | 4,377 |
| Average total loans | $104,049,000 | 3,877 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0524% | 289 |
| Cost of funding earning assets | 2.3028% | 2,348 |
| Net interest margin | 4.7496% | 731 |
| Noninterest income to average assets | 0.7057% | 2,959 |
| Noninterest expense to average assets | 3.5789% | 2,126 |
| Loan and lease loss provision to assets | 0.6630% | 2,445 |
| Net operating income to assets | 0.7878% | 2,900 |
| Return on assets (ROA) | 0.7878% | 2,995 |
| Pretax return on assets | 0.7878% | 3,711 |
| Return on Equity (ROE) | 7.3702% | 3,037 |
| Retained earnings to average equity (ytd only) | 0.9896% | 4,782 |
| Net charge-offs to loans | 0.9514% | 1,825 |
| Credit loss provision to net charge-offs | 84.6774% | 5,070 |
| Earnings coverage of net charge-offs (x) | 1.8528% | 4,182 |
| Efficiency ratio | 71.1551% | 4,568 |
| Assets per employee ($millions) | 2.7965% | 6,633 |
| Cash dividends to net income (ytd only)* | 86.5731% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 4,133 |
| Loan loss allowance to noncurrent loans | 83.9803% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.7315% | 3,588 |
| Noncurrent loans to loans | 1.5768% | 4,134 |
| Net loans and leases to total assets | 80.7087% | 1,190 |
| Net loans and leases to deposits | 100.9913% | 1,173 |
| Net loans and leases to core deposits | 134.5918% | 1,284 |
| Total domestic deposits to total assets | 79.9164% | 5,499 |
| Equity capital to assets | 10.7888% | 3,129 |
| Core capital (leverage) ratio | 10.7767% | 2,587 |
| Tier 1 risk-based capital ratio | 14.5927% | 3,195 |
| Total risk-based capital ratio | 15.8456% | 3,136 |
| Memoranda: | ||
| Average total assets | $126,688,000 | 4,457 |
| Average earning assets | $115,337,000 | 4,476 |
| Average equity | $13,541,000 | 4,412 |
| Average total loans | $104,265,330 | 3,905 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1184% | 280 |
| Cost of funding earning assets | 2.3417% | 2,540 |
| Net interest margin | 4.7767% | 641 |
| Noninterest income to average assets | 0.6168% | 3,429 |
| Noninterest expense to average assets | 3.4962% | 2,109 |
| Loan and lease loss provision to assets | 0.6608% | 1,916 |
| Net operating income to assets | 0.8119% | 3,078 |
| Return on assets (ROA) | 0.8119% | 3,237 |
| Pretax return on assets | 0.8119% | 4,036 |
| Return on Equity (ROE) | 7.6314% | 3,316 |
| Retained earnings to average equity (ytd only) | -1.9227% | 6,087 |
| Net charge-offs to loans | 1.7611% | 825 |
| Credit loss provision to net charge-offs | 45.4545% | 4,745 |
| Earnings coverage of net charge-offs (x) | 1.0130% | 4,264 |
| Efficiency ratio | 70.3610% | 4,503 |
| Assets per employee ($millions) | 2.8582% | 6,510 |
| Cash dividends to net income (ytd only)* | 125.1938% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 5,195 |
| Loan loss allowance to noncurrent loans | 109.8057% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 1.1705% | 4,329 |
| Noncurrent loans to loans | 1.0372% | 4,916 |
| Net loans and leases to total assets | 81.9267% | 1,030 |
| Net loans and leases to deposits | 101.3058% | 1,251 |
| Net loans and leases to core deposits | 134.7762% | 1,370 |
| Total domestic deposits to total assets | 80.8707% | 5,019 |
| Equity capital to assets | 10.6918% | 3,296 |
| Core capital (leverage) ratio | 10.6544% | 2,783 |
| Tier 1 risk-based capital ratio | 14.2457% | 3,456 |
| Total risk-based capital ratio | 15.4955% | 3,387 |
| Memoranda: | ||
| Average total assets | $127,110,000 | 4,462 |
| Average earning assets | $115,812,000 | 4,485 |
| Average equity | $13,523,000 | 4,438 |
| Average total loans | $104,933,000 | 3,908 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3442% | 550 |
| Cost of funding earning assets | 2.9140% | 2,201 |
| Net interest margin | 4.4301% | 1,596 |
| Noninterest income to average assets | 0.7875% | 2,585 |
| Noninterest expense to average assets | 3.3190% | 2,904 |
| Loan and lease loss provision to assets | 0.5426% | 2,653 |
| Net operating income to assets | 0.9595% | 2,748 |
| Return on assets (ROA) | 0.9603% | 2,616 |
| Pretax return on assets | 0.9603% | 3,522 |
| Return on Equity (ROE) | 8.8958% | 2,678 |
| Retained earnings to average equity (ytd only) | 0.9820% | 4,644 |
| Net charge-offs to loans | 0.5251% | 2,265 |
| Credit loss provision to net charge-offs | 129.8872% | 4,094 |
| Earnings coverage of net charge-offs (x) | 3.5959% | 4,300 |
| Efficiency ratio | 68.8436% | 4,568 |
| Assets per employee ($millions) | 2.8547% | 6,430 |
| Cash dividends to net income (ytd only)* | 88.9616% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 3,411 |
| Loan loss allowance to noncurrent loans | 77.9101% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.6760% | 2,902 |
| Noncurrent loans to loans | 1.7483% | 3,145 |
| Net loans and leases to total assets | 81.1217% | 1,409 |
| Net loans and leases to deposits | 103.1007% | 1,453 |
| Net loans and leases to core deposits | 137.5878% | 1,402 |
| Total domestic deposits to total assets | 78.6821% | 5,489 |
| Equity capital to assets | 10.5870% | 3,406 |
| Core capital (leverage) ratio | 10.5878% | 2,915 |
| Tier 1 risk-based capital ratio | 14.0837% | 3,509 |
| Total risk-based capital ratio | 15.3362% | 3,418 |
| Memoranda: | ||
| Average total assets | $127,359,400 | 4,340 |
| Average earning assets | $115,955,600 | 4,364 |
| Average equity | $13,748,000 | 4,392 |
| Average total loans | $101,317,400 | 3,910 |