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 | 6.8389% | 257 |
| Cost of funding earning assets | 2.0599% | 834 |
| Net interest margin | 4.7790% | 429 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.1389% | 3,301 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 2.4990% | 238 |
| Return on assets (ROA) | 2.4990% | 233 |
| Pretax return on assets | 2.4990% | 341 |
| Return on Equity (ROE) | 26.6200% | 262 |
| Retained earnings to average equity (ytd only) | 10.6566% | 864 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 45.5974% | 4,208 |
| Assets per employee ($millions) | 9.8390% | 744 |
| Cash dividends to net income (ytd only)* | 59.9682% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7498% | 4,054 |
| Loan loss allowance to noncurrent loans | 29,075.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 3,843 |
| Noncurrent loans to loans | 0.0026% | 3,783 |
| Net loans and leases to total assets | 65.2000% | 2,345 |
| Net loans and leases to deposits | 74.6072% | 2,574 |
| Net loans and leases to core deposits | 77.7048% | 2,863 |
| Total domestic deposits to total assets | 87.3900% | 1,561 |
| Equity capital to assets | 9.6995% | 2,198 |
| Core capital (leverage) ratio | 10.2735% | 2,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0864% | 1,511 |
| Memoranda: | ||
| Average total assets | $226,608,000 | 2,801 |
| Average earning assets | $213,601,400 | 2,780 |
| Average equity | $21,273,200 | 2,751 |
| Average total loans | $154,273,800 | 2,642 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6384% | 270 |
| Cost of funding earning assets | 1.9333% | 807 |
| Net interest margin | 4.7051% | 458 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.0937% | 3,371 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 2.4766% | 272 |
| Return on assets (ROA) | 2.4766% | 268 |
| Pretax return on assets | 2.4766% | 388 |
| Return on Equity (ROE) | 26.6100% | 323 |
| Retained earnings to average equity (ytd only) | 10.5626% | 1,252 |
| Net charge-offs to loans | -0.0026% | 3,621 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 45.2803% | 4,173 |
| Assets per employee ($millions) | 9.5963% | 772 |
| Cash dividends to net income (ytd only)* | 60.3121% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6842% | 4,163 |
| Loan loss allowance to noncurrent loans | 37,833.3333% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 3,874 |
| Noncurrent loans to loans | 0.0018% | 3,811 |
| Net loans and leases to total assets | 71.5300% | 1,636 |
| Net loans and leases to deposits | 82.4449% | 1,872 |
| Net loans and leases to core deposits | 85.0422% | 2,258 |
| Total domestic deposits to total assets | 86.7600% | 1,965 |
| Equity capital to assets | 9.4207% | 2,145 |
| Core capital (leverage) ratio | 10.6293% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8759% | 1,942 |
| Memoranda: | ||
| Average total assets | $224,226,250 | 2,834 |
| Average earning assets | $211,451,750 | 2,806 |
| Average equity | $20,865,500 | 2,778 |
| Average total loans | $154,062,750 | 2,648 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3860% | 288 |
| Cost of funding earning assets | 1.7971% | 739 |
| Net interest margin | 4.5889% | 543 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.0612% | 3,440 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 2.4096% | 266 |
| Return on assets (ROA) | 2.4096% | 262 |
| Pretax return on assets | 2.4096% | 397 |
| Return on Equity (ROE) | 26.0100% | 333 |
| Retained earnings to average equity (ytd only) | 10.6857% | 1,253 |
| Net charge-offs to loans | -0.0027% | 3,578 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 45.5540% | 4,182 |
| Assets per employee ($millions) | 9.4480% | 794 |
| Cash dividends to net income (ytd only)* | 58.9092% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6936% | 4,196 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 72.8000% | 1,436 |
| Net loans and leases to deposits | 84.2570% | 1,650 |
| Net loans and leases to core deposits | 86.7881% | 2,013 |
| Total domestic deposits to total assets | 86.4100% | 2,114 |
| Equity capital to assets | 9.7582% | 1,994 |
| Core capital (leverage) ratio | 10.4701% | 2,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2015% | 1,815 |
| Memoranda: | ||
| Average total assets | $222,198,000 | 2,854 |
| Average earning assets | $210,116,667 | 2,824 |
| Average equity | $20,588,333 | 2,809 |
| Average total loans | $150,122,667 | 2,669 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9066% | 350 |
| Cost of funding earning assets | 1.5480% | 770 |
| Net interest margin | 4.3587% | 733 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.1153% | 3,342 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 2.1296% | 414 |
| Return on assets (ROA) | 2.1296% | 406 |
| Pretax return on assets | 2.1296% | 630 |
| Return on Equity (ROE) | 23.5900% | 470 |
| Retained earnings to average equity (ytd only) | 9.7436% | 1,757 |
| Net charge-offs to loans | -0.0027% | 3,490 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.2129% | 4,006 |
| Assets per employee ($millions) | 9.3764% | 826 |
| Cash dividends to net income (ytd only)* | 58.6957% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7169% | 4,218 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 66.1000% | 2,048 |
| Net loans and leases to deposits | 75.7892% | 2,139 |
| Net loans and leases to core deposits | 78.3275% | 2,368 |
| Total domestic deposits to total assets | 87.2200% | 2,181 |
| Equity capital to assets | 9.2417% | 2,325 |
| Core capital (leverage) ratio | 10.0476% | 2,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4086% | 1,518 |
| Memoranda: | ||
| Average total assets | $224,645,000 | 2,880 |
| Average earning assets | $213,184,000 | 2,835 |
| Average equity | $20,280,000 | 2,865 |
| Average total loans | $145,528,500 | 2,747 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2507% | 1,154 |
| Cost of funding earning assets | 0.5393% | 1,163 |
| Net interest margin | 3.7114% | 1,351 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.9852% | 3,623 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.6698% | 581 |
| Return on assets (ROA) | 1.6698% | 550 |
| Pretax return on assets | 1.6698% | 995 |
| Return on Equity (ROE) | 18.9700% | 573 |
| Retained earnings to average equity (ytd only) | 7.7202% | 1,950 |
| Net charge-offs to loans | 0.0053% | 2,241 |
| Credit loss provision to net charge-offs | 1,714.2857% | 287 |
| Earnings coverage of net charge-offs (x) | 551.8571% | 313 |
| Efficiency ratio | 53.5306% | 3,830 |
| Assets per employee ($millions) | 9.3440% | 821 |
| Cash dividends to net income (ytd only)* | 59.3107% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7385% | 4,155 |
| Loan loss allowance to noncurrent loans | 4,011.5385% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 3,772 |
| Noncurrent loans to loans | 0.0184% | 3,696 |
| Net loans and leases to total assets | 62.5100% | 2,382 |
| Net loans and leases to deposits | 71.1517% | 2,475 |
| Net loans and leases to core deposits | 73.6234% | 2,597 |
| Total domestic deposits to total assets | 87.8600% | 2,120 |
| Equity capital to assets | 8.8127% | 2,478 |
| Core capital (leverage) ratio | 9.8358% | 2,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0604% | 1,614 |
| Memoranda: | ||
| Average total assets | $224,158,200 | 2,880 |
| Average earning assets | $212,130,000 | 2,847 |
| Average equity | $19,727,400 | 2,976 |
| Average total loans | $132,174,000 | 2,800 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8598% | 1,585 |
| Cost of funding earning assets | 0.3541% | 1,671 |
| Net interest margin | 3.5056% | 1,649 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.9238% | 3,691 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.5419% | 756 |
| Return on assets (ROA) | 1.5419% | 738 |
| Pretax return on assets | 1.5419% | 1,298 |
| Return on Equity (ROE) | 17.5300% | 703 |
| Retained earnings to average equity (ytd only) | 6.9780% | 2,364 |
| Net charge-offs to loans | 0.0051% | 1,985 |
| Credit loss provision to net charge-offs | 1,800.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 536.4000% | 293 |
| Efficiency ratio | 54.6653% | 3,760 |
| Assets per employee ($millions) | 9.2009% | 828 |
| Cash dividends to net income (ytd only)* | 60.1852% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7601% | 4,160 |
| Loan loss allowance to noncurrent loans | 3,755.5556% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 3,851 |
| Noncurrent loans to loans | 0.0202% | 3,770 |
| Net loans and leases to total assets | 59.9500% | 2,508 |
| Net loans and leases to deposits | 67.3857% | 2,592 |
| Net loans and leases to core deposits | 69.8422% | 2,655 |
| Total domestic deposits to total assets | 88.9700% | 2,107 |
| Equity capital to assets | 8.6685% | 2,430 |
| Core capital (leverage) ratio | 9.3382% | 3,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4465% | 1,584 |
| Memoranda: | ||
| Average total assets | $224,133,750 | 2,896 |
| Average earning assets | $211,959,750 | 2,867 |
| Average equity | $19,718,500 | 3,016 |
| Average total loans | $129,908,500 | 2,828 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5071% | 2,121 |
| Cost of funding earning assets | 0.2409% | 2,387 |
| Net interest margin | 3.2661% | 2,008 |
| Noninterest income to average assets | 0.2042% | 3,974 |
| Noninterest expense to average assets | 1.8381% | 3,866 |
| Loan and lease loss provision to assets | 0.0533% | 1,625 |
| Net operating income to assets | 1.4065% | 892 |
| Return on assets (ROA) | 1.4065% | 866 |
| Pretax return on assets | 1.4065% | 1,419 |
| Return on Equity (ROE) | 15.9111% | 716 |
| Retained earnings to average equity (ytd only) | 6.2178% | 2,270 |
| Net charge-offs to loans | 0.0062% | 1,773 |
| Credit loss provision to net charge-offs | 1,500.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 411.0000% | 308 |
| Efficiency ratio | 55.7351% | 3,801 |
| Assets per employee ($millions) | 9.1257% | 845 |
| Cash dividends to net income (ytd only)* | 60.9217% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7833% | 4,198 |
| Loan loss allowance to noncurrent loans | 98,600.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,084 |
| Noncurrent loans to loans | 0.0008% | 4,011 |
| Net loans and leases to total assets | 54.7442% | 2,882 |
| Net loans and leases to deposits | 61.4085% | 2,936 |
| Net loans and leases to core deposits | 63.9510% | 2,972 |
| Total domestic deposits to total assets | 89.1476% | 2,110 |
| Equity capital to assets | 8.4912% | 2,770 |
| Core capital (leverage) ratio | 9.5026% | 2,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9360% | 1,450 |
| Memoranda: | ||
| Average total assets | $225,237,667 | 2,913 |
| Average earning assets | $213,340,000 | 2,890 |
| Average equity | $19,910,667 | 3,081 |
| Average total loans | $128,743,333 | 2,858 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4385% | 1,976 |
| Cost of funding earning assets | 0.2056% | 2,715 |
| Net interest margin | 3.2329% | 1,774 |
| Noninterest income to average assets | 0.2306% | 3,768 |
| Noninterest expense to average assets | 1.7302% | 4,092 |
| Loan and lease loss provision to assets | 0.0536% | 1,423 |
| Net operating income to assets | 1.5104% | 619 |
| Return on assets (ROA) | 1.5104% | 607 |
| Pretax return on assets | 1.5104% | 1,001 |
| Return on Equity (ROE) | 16.7493% | 452 |
| Retained earnings to average equity (ytd only) | 7.2349% | 1,819 |
| Net charge-offs to loans | -0.0031% | 3,193 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5231% | 4,162 |
| Assets per employee ($millions) | 9.8382% | 715 |
| Cash dividends to net income (ytd only)* | 56.8047% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 4,303 |
| Loan loss allowance to noncurrent loans | 48,000.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,119 |
| Noncurrent loans to loans | 0.0016% | 4,043 |
| Net loans and leases to total assets | 55.4506% | 2,585 |
| Net loans and leases to deposits | 62.8405% | 2,638 |
| Net loans and leases to core deposits | 65.5845% | 2,670 |
| Total domestic deposits to total assets | 88.2402% | 2,417 |
| Equity capital to assets | 8.7852% | 2,895 |
| Core capital (leverage) ratio | 9.2726% | 3,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4379% | 1,658 |
| Memoranda: | ||
| Average total assets | $223,785,000 | 2,933 |
| Average earning assets | $212,068,500 | 2,916 |
| Average equity | $20,180,000 | 3,131 |
| Average total loans | $130,174,500 | 2,847 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8780% | 1,671 |
| Cost of funding earning assets | 0.2505% | 2,928 |
| Net interest margin | 3.6274% | 1,393 |
| Noninterest income to average assets | 0.2046% | 4,142 |
| Noninterest expense to average assets | 1.9745% | 3,754 |
| Loan and lease loss provision to assets | 0.0555% | 1,940 |
| Net operating income to assets | 1.5922% | 832 |
| Return on assets (ROA) | 1.5922% | 864 |
| Pretax return on assets | 1.5922% | 1,449 |
| Return on Equity (ROE) | 17.1864% | 560 |
| Retained earnings to average equity (ytd only) | 6.6198% | 2,070 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5106% | 3,873 |
| Assets per employee ($millions) | 10.0587% | 651 |
| Cash dividends to net income (ytd only)* | 61.4826% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6937% | 4,434 |
| Loan loss allowance to noncurrent loans | 92,900.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,214 |
| Noncurrent loans to loans | 0.0007% | 4,134 |
| Net loans and leases to total assets | 60.0960% | 2,152 |
| Net loans and leases to deposits | 68.5454% | 2,255 |
| Net loans and leases to core deposits | 72.0293% | 2,260 |
| Total domestic deposits to total assets | 87.6732% | 2,215 |
| Equity capital to assets | 9.2552% | 3,362 |
| Core capital (leverage) ratio | 9.2022% | 3,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2091% | 2,157 |
| Memoranda: | ||
| Average total assets | $216,058,800 | 2,940 |
| Average earning assets | $203,560,800 | 2,928 |
| Average equity | $20,015,800 | 3,218 |
| Average total loans | $132,342,200 | 2,823 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8415% | 1,933 |
| Cost of funding earning assets | 0.2632% | 2,981 |
| Net interest margin | 3.5783% | 1,655 |
| Noninterest income to average assets | 0.2105% | 4,143 |
| Noninterest expense to average assets | 1.8297% | 4,107 |
| Loan and lease loss provision to assets | 0.0559% | 1,866 |
| Net operating income to assets | 1.6925% | 841 |
| Return on assets (ROA) | 1.6925% | 885 |
| Pretax return on assets | 1.6925% | 1,423 |
| Return on Equity (ROE) | 18.2647% | 597 |
| Retained earnings to average equity (ytd only) | 7.2764% | 2,317 |
| Net charge-offs to loans | -0.0010% | 3,120 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1366% | 4,113 |
| Assets per employee ($millions) | 9.1384% | 854 |
| Cash dividends to net income (ytd only)* | 60.1614% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6658% | 4,558 |
| Loan loss allowance to noncurrent loans | 18,000.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 4,265 |
| Noncurrent loans to loans | 0.0037% | 4,191 |
| Net loans and leases to total assets | 61.2209% | 2,111 |
| Net loans and leases to deposits | 70.2313% | 2,218 |
| Net loans and leases to core deposits | 73.7368% | 2,264 |
| Total domestic deposits to total assets | 87.1705% | 2,280 |
| Equity capital to assets | 9.3110% | 3,550 |
| Core capital (leverage) ratio | 9.3169% | 3,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7783% | 2,440 |
| Memoranda: | ||
| Average total assets | $214,750,750 | 2,982 |
| Average earning assets | $202,103,000 | 2,970 |
| Average equity | $19,899,500 | 3,263 |
| Average total loans | $131,948,750 | 2,867 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7500% | 2,205 |
| Cost of funding earning assets | 0.2759% | 3,032 |
| Net interest margin | 3.4741% | 1,936 |
| Noninterest income to average assets | 0.2120% | 4,137 |
| Noninterest expense to average assets | 1.8056% | 4,171 |
| Loan and lease loss provision to assets | 0.0563% | 1,906 |
| Net operating income to assets | 1.6217% | 1,005 |
| Return on assets (ROA) | 1.6217% | 1,060 |
| Pretax return on assets | 1.6217% | 1,678 |
| Return on Equity (ROE) | 17.5305% | 712 |
| Retained earnings to average equity (ytd only) | 7.0365% | 2,418 |
| Net charge-offs to loans | -0.0015% | 3,137 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8309% | 4,063 |
| Assets per employee ($millions) | 8.9405% | 879 |
| Cash dividends to net income (ytd only)* | 59.8612% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6430% | 4,604 |
| Loan loss allowance to noncurrent loans | 4,578.9474% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 4,255 |
| Noncurrent loans to loans | 0.0140% | 4,169 |
| Net loans and leases to total assets | 62.6526% | 2,103 |
| Net loans and leases to deposits | 71.7967% | 2,228 |
| Net loans and leases to core deposits | 75.5937% | 2,280 |
| Total domestic deposits to total assets | 87.2639% | 2,188 |
| Equity capital to assets | 9.3260% | 3,489 |
| Core capital (leverage) ratio | 9.1599% | 3,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4626% | 2,185 |
| Memoranda: | ||
| Average total assets | $213,227,000 | 2,993 |
| Average earning assets | $200,802,000 | 2,976 |
| Average equity | $19,725,667 | 3,270 |
| Average total loans | $130,874,667 | 2,889 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5738% | 2,724 |
| Cost of funding earning assets | 0.2913% | 3,087 |
| Net interest margin | 3.2824% | 2,438 |
| Noninterest income to average assets | 0.2239% | 4,045 |
| Noninterest expense to average assets | 1.6918% | 4,392 |
| Loan and lease loss provision to assets | 0.0565% | 1,982 |
| Net operating income to assets | 1.5714% | 1,177 |
| Return on assets (ROA) | 1.5714% | 1,234 |
| Pretax return on assets | 1.5714% | 1,796 |
| Return on Equity (ROE) | 17.0556% | 840 |
| Retained earnings to average equity (ytd only) | 6.7405% | 2,656 |
| Net charge-offs to loans | -0.0031% | 3,234 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9637% | 4,100 |
| Assets per employee ($millions) | 9.4997% | 699 |
| Cash dividends to net income (ytd only)* | 60.4790% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6416% | 4,640 |
| Loan loss allowance to noncurrent loans | 28,000.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,406 |
| Noncurrent loans to loans | 0.0023% | 4,324 |
| Net loans and leases to total assets | 59.5399% | 2,596 |
| Net loans and leases to deposits | 67.3117% | 2,779 |
| Net loans and leases to core deposits | 70.9382% | 2,788 |
| Total domestic deposits to total assets | 88.4540% | 1,629 |
| Equity capital to assets | 9.0269% | 3,652 |
| Core capital (leverage) ratio | 9.2126% | 3,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2103% | 2,203 |
| Memoranda: | ||
| Average total assets | $212,554,500 | 2,988 |
| Average earning assets | $200,460,500 | 2,963 |
| Average equity | $19,583,000 | 3,275 |
| Average total loans | $128,659,500 | 2,916 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2720% | 1,949 |
| Cost of funding earning assets | 0.5876% | 2,399 |
| Net interest margin | 3.6844% | 1,857 |
| Noninterest income to average assets | 0.2563% | 3,948 |
| Noninterest expense to average assets | 1.9894% | 4,158 |
| Loan and lease loss provision to assets | 0.0603% | 3,617 |
| Net operating income to assets | 1.6281% | 604 |
| Return on assets (ROA) | 1.6281% | 651 |
| Pretax return on assets | 1.6281% | 1,006 |
| Return on Equity (ROE) | 17.1095% | 400 |
| Retained earnings to average equity (ytd only) | 5.8088% | 1,894 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0921% | 4,202 |
| Assets per employee ($millions) | 8.9833% | 746 |
| Cash dividends to net income (ytd only)* | 66.0494% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6409% | 4,671 |
| Loan loss allowance to noncurrent loans | 20,250.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,474 |
| Noncurrent loans to loans | 0.0032% | 4,396 |
| Net loans and leases to total assets | 60.7786% | 2,763 |
| Net loans and leases to deposits | 68.9025% | 2,992 |
| Net loans and leases to core deposits | 72.8501% | 3,009 |
| Total domestic deposits to total assets | 88.2096% | 1,372 |
| Equity capital to assets | 9.4102% | 3,694 |
| Core capital (leverage) ratio | 8.8395% | 3,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9985% | 2,238 |
| Memoranda: | ||
| Average total assets | $199,002,600 | 2,950 |
| Average earning assets | $184,807,200 | 2,952 |
| Average equity | $18,936,800 | 3,285 |
| Average total loans | $126,918,400 | 2,898 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3678% | 1,937 |
| Cost of funding earning assets | 0.6484% | 2,334 |
| Net interest margin | 3.7194% | 1,879 |
| Noninterest income to average assets | 0.2496% | 3,985 |
| Noninterest expense to average assets | 1.8975% | 4,330 |
| Loan and lease loss provision to assets | 0.0609% | 3,579 |
| Net operating income to assets | 1.7372% | 530 |
| Return on assets (ROA) | 1.7372% | 590 |
| Pretax return on assets | 1.7372% | 896 |
| Return on Equity (ROE) | 18.2024% | 347 |
| Retained earnings to average equity (ytd only) | 6.2234% | 2,008 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3454% | 4,393 |
| Assets per employee ($millions) | 9.2881% | 637 |
| Cash dividends to net income (ytd only)* | 65.8100% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5761% | 4,756 |
| Loan loss allowance to noncurrent loans | 39,050.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,534 |
| Noncurrent loans to loans | 0.0015% | 4,461 |
| Net loans and leases to total assets | 63.0953% | 2,873 |
| Net loans and leases to deposits | 71.4862% | 3,181 |
| Net loans and leases to core deposits | 75.4354% | 3,213 |
| Total domestic deposits to total assets | 88.2622% | 1,082 |
| Equity capital to assets | 9.0134% | 4,112 |
| Core capital (leverage) ratio | 9.1922% | 3,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1547% | 2,558 |
| Memoranda: | ||
| Average total assets | $197,099,000 | 2,949 |
| Average earning assets | $182,605,500 | 2,954 |
| Average equity | $18,810,250 | 3,299 |
| Average total loans | $127,050,750 | 2,903 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 1,974 |
| Cost of funding earning assets | 0.7318% | 2,226 |
| Net interest margin | 3.7498% | 1,994 |
| Noninterest income to average assets | 0.2464% | 3,996 |
| Noninterest expense to average assets | 1.9375% | 4,351 |
| Loan and lease loss provision to assets | 0.0626% | 3,511 |
| Net operating income to assets | 1.7339% | 580 |
| Return on assets (ROA) | 1.7339% | 630 |
| Pretax return on assets | 1.7339% | 923 |
| Return on Equity (ROE) | 17.8009% | 385 |
| Retained earnings to average equity (ytd only) | 6.4409% | 1,884 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8871% | 4,361 |
| Assets per employee ($millions) | 8.4509% | 825 |
| Cash dividends to net income (ytd only)* | 63.8170% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5602% | 4,782 |
| Loan loss allowance to noncurrent loans | 37,550.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 4,599 |
| Noncurrent loans to loans | 0.0015% | 4,527 |
| Net loans and leases to total assets | 65.7227% | 2,664 |
| Net loans and leases to deposits | 75.2550% | 2,945 |
| Net loans and leases to core deposits | 79.5598% | 2,981 |
| Total domestic deposits to total assets | 87.3332% | 1,484 |
| Equity capital to assets | 9.3742% | 3,758 |
| Core capital (leverage) ratio | 9.3961% | 3,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3542% | 2,461 |
| Memoranda: | ||
| Average total assets | $191,590,000 | 2,972 |
| Average earning assets | $178,195,000 | 2,973 |
| Average equity | $18,662,000 | 3,308 |
| Average total loans | $124,211,333 | 2,927 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6516% | 1,849 |
| Cost of funding earning assets | 0.9039% | 1,843 |
| Net interest margin | 3.7477% | 2,153 |
| Noninterest income to average assets | 0.2452% | 4,090 |
| Noninterest expense to average assets | 1.8798% | 4,567 |
| Loan and lease loss provision to assets | 0.0645% | 2,954 |
| Net operating income to assets | 1.7787% | 429 |
| Return on assets (ROA) | 1.7787% | 477 |
| Pretax return on assets | 1.7787% | 733 |
| Return on Equity (ROE) | 17.8941% | 277 |
| Retained earnings to average equity (ytd only) | 7.1836% | 1,478 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4910% | 4,637 |
| Assets per employee ($millions) | 8.2948% | 665 |
| Cash dividends to net income (ytd only)* | 59.8549% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5945% | 4,767 |
| Loan loss allowance to noncurrent loans | 77.1704% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 2,531 |
| Noncurrent loans to loans | 0.7704% | 2,074 |
| Net loans and leases to total assets | 63.1017% | 3,177 |
| Net loans and leases to deposits | 73.1581% | 3,345 |
| Net loans and leases to core deposits | 77.6534% | 3,375 |
| Total domestic deposits to total assets | 86.2539% | 1,889 |
| Equity capital to assets | 9.8217% | 3,939 |
| Core capital (leverage) ratio | 9.8452% | 3,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4212% | 2,520 |
| Memoranda: | ||
| Average total assets | $185,974,000 | 2,997 |
| Average earning assets | $172,584,000 | 2,987 |
| Average equity | $18,486,500 | 3,323 |
| Average total loans | $119,291,500 | 2,966 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5386% | 525 |
| Cost of funding earning assets | 1.0716% | 1,431 |
| Net interest margin | 4.4670% | 770 |
| Noninterest income to average assets | 0.5069% | 2,693 |
| Noninterest expense to average assets | 2.3892% | 3,713 |
| Loan and lease loss provision to assets | 0.0720% | 2,558 |
| Net operating income to assets | 2.1588% | 242 |
| Return on assets (ROA) | 2.1588% | 254 |
| Pretax return on assets | 2.1588% | 416 |
| Return on Equity (ROE) | 20.4192% | 194 |
| Retained earnings to average equity (ytd only) | 7.0863% | 1,358 |
| Net charge-offs to loans | 0.0017% | 3,653 |
| Credit loss provision to net charge-offs | 6,000.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 1,859.5000% | 37 |
| Efficiency ratio | 51.7138% | 4,627 |
| Assets per employee ($millions) | 7.8768% | 748 |
| Cash dividends to net income (ytd only)* | 65.2959% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5873% | 4,768 |
| Loan loss allowance to noncurrent loans | 34,500.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,693 |
| Noncurrent loans to loans | 0.0017% | 4,606 |
| Net loans and leases to total assets | 64.4637% | 3,138 |
| Net loans and leases to deposits | 73.1198% | 3,425 |
| Net loans and leases to core deposits | 78.1032% | 3,439 |
| Total domestic deposits to total assets | 88.1618% | 1,053 |
| Equity capital to assets | 10.0653% | 3,858 |
| Core capital (leverage) ratio | 10.1373% | 3,369 |
| Tier 1 risk-based capital ratio | 13.0869% | 3,751 |
| Total risk-based capital ratio | 13.5833% | 4,035 |
| Memoranda: | ||
| Average total assets | $166,711,800 | 3,137 |
| Average earning assets | $153,504,400 | 3,149 |
| Average equity | $17,625,600 | 3,377 |
| Average total loans | $116,266,000 | 2,990 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6531% | 446 |
| Cost of funding earning assets | 1.0801% | 1,429 |
| Net interest margin | 4.5730% | 653 |
| Noninterest income to average assets | 0.5829% | 2,297 |
| Noninterest expense to average assets | 2.2898% | 3,980 |
| Loan and lease loss provision to assets | 0.0736% | 2,417 |
| Net operating income to assets | 2.4353% | 182 |
| Return on assets (ROA) | 2.4353% | 190 |
| Pretax return on assets | 2.4353% | 286 |
| Return on Equity (ROE) | 22.7313% | 139 |
| Retained earnings to average equity (ytd only) | 8.5767% | 1,180 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7172% | 4,867 |
| Assets per employee ($millions) | 7.4058% | 881 |
| Cash dividends to net income (ytd only)* | 62.2692% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5552% | 4,886 |
| Loan loss allowance to noncurrent loans | 22,033.3333% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 4,768 |
| Noncurrent loans to loans | 0.0025% | 4,682 |
| Net loans and leases to total assets | 69.5080% | 2,549 |
| Net loans and leases to deposits | 79.5890% | 2,943 |
| Net loans and leases to core deposits | 85.5548% | 2,945 |
| Total domestic deposits to total assets | 87.3336% | 1,356 |
| Equity capital to assets | 10.6327% | 3,435 |
| Core capital (leverage) ratio | 10.7228% | 2,915 |
| Tier 1 risk-based capital ratio | 13.0330% | 3,827 |
| Total risk-based capital ratio | 13.5098% | 4,158 |
| Memoranda: | ||
| Average total assets | $163,098,000 | 3,210 |
| Average earning assets | $150,356,500 | 3,205 |
| Average equity | $17,473,250 | 3,417 |
| Average total loans | $115,963,250 | 3,021 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6621% | 429 |
| Cost of funding earning assets | 1.0448% | 1,514 |
| Net interest margin | 4.6173% | 599 |
| Noninterest income to average assets | 0.2937% | 3,971 |
| Noninterest expense to average assets | 2.2690% | 4,087 |
| Loan and lease loss provision to assets | 0.0747% | 2,324 |
| Net operating income to assets | 2.2130% | 259 |
| Return on assets (ROA) | 2.2130% | 269 |
| Pretax return on assets | 2.2130% | 433 |
| Return on Equity (ROE) | 20.6017% | 221 |
| Retained earnings to average equity (ytd only) | 7.7981% | 1,470 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7951% | 4,793 |
| Assets per employee ($millions) | 7.0396% | 981 |
| Cash dividends to net income (ytd only)* | 62.1485% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5379% | 4,967 |
| Loan loss allowance to noncurrent loans | 1,504.7619% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 4,648 |
| Noncurrent loans to loans | 0.0357% | 4,533 |
| Net loans and leases to total assets | 72.1722% | 2,192 |
| Net loans and leases to deposits | 83.0188% | 2,607 |
| Net loans and leases to core deposits | 89.4590% | 2,642 |
| Total domestic deposits to total assets | 86.9347% | 1,624 |
| Equity capital to assets | 10.9024% | 3,175 |
| Core capital (leverage) ratio | 10.9733% | 2,626 |
| Tier 1 risk-based capital ratio | 12.9719% | 3,853 |
| Total risk-based capital ratio | 13.4372% | 4,188 |
| Memoranda: | ||
| Average total assets | $160,686,330 | 3,251 |
| Average earning assets | $148,354,330 | 3,240 |
| Average equity | $17,260,670 | 3,437 |
| Average total loans | $114,932,330 | 3,056 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5755% | 449 |
| Cost of funding earning assets | 0.9876% | 1,622 |
| Net interest margin | 4.5880% | 622 |
| Noninterest income to average assets | 0.2674% | 4,086 |
| Noninterest expense to average assets | 2.1915% | 4,275 |
| Loan and lease loss provision to assets | 0.0750% | 2,179 |
| Net operating income to assets | 2.2265% | 263 |
| Return on assets (ROA) | 2.2265% | 272 |
| Pretax return on assets | 2.2265% | 424 |
| Return on Equity (ROE) | 20.8849% | 217 |
| Retained earnings to average equity (ytd only) | 7.9930% | 1,662 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7764% | 4,911 |
| Assets per employee ($millions) | 6.9709% | 1,011 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5207% | 5,057 |
| Loan loss allowance to noncurrent loans | 30,050.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,896 |
| Noncurrent loans to loans | 0.0017% | 4,808 |
| Net loans and leases to total assets | 71.6162% | 2,228 |
| Net loans and leases to deposits | 81.9041% | 2,613 |
| Net loans and leases to core deposits | 87.9331% | 2,692 |
| Total domestic deposits to total assets | 87.4391% | 1,593 |
| Equity capital to assets | 10.7615% | 3,086 |
| Core capital (leverage) ratio | 10.8013% | 2,766 |
| Tier 1 risk-based capital ratio | 13.1663% | 3,793 |
| Total risk-based capital ratio | 13.6240% | 4,116 |
| Memoranda: | ||
| Average total assets | $160,074,500 | 3,298 |
| Average earning assets | $147,429,500 | 3,292 |
| Average equity | $17,065,000 | 3,471 |
| Average total loans | $113,655,500 | 3,107 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2099% | 690 |
| Cost of funding earning assets | 0.7195% | 1,960 |
| Net interest margin | 4.4904% | 777 |
| Noninterest income to average assets | 0.4921% | 2,873 |
| Noninterest expense to average assets | 2.4247% | 3,816 |
| Loan and lease loss provision to assets | 0.0755% | 2,615 |
| Net operating income to assets | 2.1315% | 286 |
| Return on assets (ROA) | 2.1315% | 277 |
| Pretax return on assets | 2.1315% | 411 |
| Return on Equity (ROE) | 20.8328% | 211 |
| Retained earnings to average equity (ytd only) | 7.2088% | 1,575 |
| Net charge-offs to loans | 0.0054% | 3,513 |
| Credit loss provision to net charge-offs | 2,000.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 584.5000% | 187 |
| Efficiency ratio | 52.3505% | 4,766 |
| Assets per employee ($millions) | 6.9486% | 1,000 |
| Cash dividends to net income (ytd only)* | 65.3971% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5103% | 5,108 |
| Loan loss allowance to noncurrent loans | 2,284.0000% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 4,814 |
| Noncurrent loans to loans | 0.0223% | 4,682 |
| Net loans and leases to total assets | 69.6517% | 2,622 |
| Net loans and leases to deposits | 79.0939% | 3,044 |
| Net loans and leases to core deposits | 83.5154% | 3,132 |
| Total domestic deposits to total assets | 88.0620% | 1,272 |
| Equity capital to assets | 10.5595% | 3,119 |
| Core capital (leverage) ratio | 10.4243% | 3,114 |
| Tier 1 risk-based capital ratio | 13.0761% | 3,799 |
| Total risk-based capital ratio | 13.5167% | 4,146 |
| Memoranda: | ||
| Average total assets | $158,904,800 | 3,297 |
| Average earning assets | $146,491,000 | 3,294 |
| Average equity | $16,258,000 | 3,493 |
| Average total loans | $110,582,600 | 3,118 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0867% | 781 |
| Cost of funding earning assets | 0.6623% | 2,081 |
| Net interest margin | 4.4244% | 858 |
| Noninterest income to average assets | 0.3050% | 4,107 |
| Noninterest expense to average assets | 2.2788% | 4,149 |
| Loan and lease loss provision to assets | 0.0756% | 2,448 |
| Net operating income to assets | 2.0368% | 348 |
| Return on assets (ROA) | 2.0368% | 347 |
| Pretax return on assets | 2.0368% | 568 |
| Return on Equity (ROE) | 20.0697% | 271 |
| Retained earnings to average equity (ytd only) | 7.1121% | 2,069 |
| Net charge-offs to loans | 0.0060% | 3,219 |
| Credit loss provision to net charge-offs | 1,800.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 502.5367% | 185 |
| Efficiency ratio | 51.8944% | 4,823 |
| Assets per employee ($millions) | 6.9976% | 935 |
| Cash dividends to net income (ytd only)* | 64.5626% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4810% | 5,210 |
| Loan loss allowance to noncurrent loans | 2,715.0000% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 4,946 |
| Noncurrent loans to loans | 0.0177% | 4,835 |
| Net loans and leases to total assets | 69.7982% | 2,679 |
| Net loans and leases to deposits | 79.3009% | 3,113 |
| Net loans and leases to core deposits | 83.4250% | 3,204 |
| Total domestic deposits to total assets | 88.0169% | 1,232 |
| Equity capital to assets | 10.2632% | 3,386 |
| Core capital (leverage) ratio | 10.3207% | 3,268 |
| Tier 1 risk-based capital ratio | 12.6138% | 4,148 |
| Total risk-based capital ratio | 13.0256% | 4,510 |
| Memoranda: | ||
| Average total assets | $158,676,500 | 3,324 |
| Average earning assets | $146,547,250 | 3,323 |
| Average equity | $16,103,500 | 3,534 |
| Average total loans | $110,256,500 | 3,151 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 891 |
| Cost of funding earning assets | 0.6375% | 2,003 |
| Net interest margin | 4.3244% | 995 |
| Noninterest income to average assets | 0.3040% | 4,140 |
| Noninterest expense to average assets | 2.2809% | 4,188 |
| Loan and lease loss provision to assets | 0.0760% | 2,378 |
| Net operating income to assets | 1.9503% | 422 |
| Return on assets (ROA) | 1.9503% | 419 |
| Pretax return on assets | 1.9503% | 686 |
| Return on Equity (ROE) | 19.2918% | 310 |
| Retained earnings to average equity (ytd only) | 6.8899% | 2,117 |
| Net charge-offs to loans | 0.0091% | 2,810 |
| Credit loss provision to net charge-offs | 1,200.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 320.0000% | 288 |
| Efficiency ratio | 52.9550% | 4,790 |
| Assets per employee ($millions) | 6.8491% | 992 |
| Cash dividends to net income (ytd only)* | 64.2857% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4604% | 5,309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 70.4054% | 2,520 |
| Net loans and leases to deposits | 79.9973% | 2,952 |
| Net loans and leases to core deposits | 83.4894% | 3,122 |
| Total domestic deposits to total assets | 88.0098% | 1,377 |
| Equity capital to assets | 10.2946% | 3,343 |
| Core capital (leverage) ratio | 10.3211% | 3,221 |
| Tier 1 risk-based capital ratio | 12.6681% | 4,083 |
| Total risk-based capital ratio | 13.0663% | 4,495 |
| Memoranda: | ||
| Average total assets | $157,920,670 | 3,344 |
| Average earning assets | $146,192,670 | 3,343 |
| Average equity | $15,965,330 | 3,568 |
| Average total loans | $109,382,330 | 3,180 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 1,080 |
| Cost of funding earning assets | 0.6107% | 1,981 |
| Net interest margin | 4.1906% | 1,191 |
| Noninterest income to average assets | 0.3188% | 4,023 |
| Noninterest expense to average assets | 2.1402% | 4,558 |
| Loan and lease loss provision to assets | 0.0759% | 2,246 |
| Net operating income to assets | 1.9909% | 383 |
| Return on assets (ROA) | 1.9909% | 382 |
| Pretax return on assets | 1.9909% | 578 |
| Return on Equity (ROE) | 19.8744% | 254 |
| Retained earnings to average equity (ytd only) | 6.2376% | 2,611 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8719% | 5,032 |
| Assets per employee ($millions) | 6.6414% | 1,125 |
| Cash dividends to net income (ytd only)* | 68.6150% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4548% | 5,385 |
| Loan loss allowance to noncurrent loans | 48,700.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 5,151 |
| Noncurrent loans to loans | 0.0009% | 5,031 |
| Net loans and leases to total assets | 66.8676% | 2,911 |
| Net loans and leases to deposits | 75.6439% | 3,252 |
| Net loans and leases to core deposits | 78.7701% | 3,429 |
| Total domestic deposits to total assets | 88.3979% | 1,408 |
| Equity capital to assets | 10.0016% | 3,591 |
| Core capital (leverage) ratio | 10.1084% | 3,417 |
| Tier 1 risk-based capital ratio | 12.8738% | 4,025 |
| Total risk-based capital ratio | 13.2651% | 4,431 |
| Memoranda: | ||
| Average total assets | $158,116,500 | 3,384 |
| Average earning assets | $146,708,500 | 3,376 |
| Average equity | $15,839,500 | 3,606 |
| Average total loans | $108,362,500 | 3,222 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9729% | 683 |
| Cost of funding earning assets | 0.5413% | 2,018 |
| Net interest margin | 4.4316% | 710 |
| Noninterest income to average assets | 0.3212% | 4,166 |
| Noninterest expense to average assets | 2.4145% | 4,038 |
| Loan and lease loss provision to assets | 0.0780% | 2,638 |
| Net operating income to assets | 1.9055% | 334 |
| Return on assets (ROA) | 1.9074% | 343 |
| Pretax return on assets | 1.9074% | 594 |
| Return on Equity (ROE) | 19.0216% | 239 |
| Retained earnings to average equity (ytd only) | 5.6144% | 1,761 |
| Net charge-offs to loans | 0.0044% | 3,935 |
| Credit loss provision to net charge-offs | 2,400.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 610.2000% | 143 |
| Efficiency ratio | 54.9002% | 4,867 |
| Assets per employee ($millions) | 6.5350% | 1,192 |
| Cash dividends to net income (ytd only)* | 70.4840% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4168% | 5,473 |
| Loan loss allowance to noncurrent loans | 359.8425% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 4,711 |
| Noncurrent loans to loans | 0.1158% | 4,464 |
| Net loans and leases to total assets | 69.6243% | 2,580 |
| Net loans and leases to deposits | 78.7342% | 3,035 |
| Net loans and leases to core deposits | 81.4266% | 3,294 |
| Total domestic deposits to total assets | 88.4295% | 1,283 |
| Equity capital to assets | 10.0339% | 3,672 |
| Core capital (leverage) ratio | 9.9336% | 3,537 |
| Tier 1 risk-based capital ratio | 12.2452% | 4,369 |
| Total risk-based capital ratio | 12.6000% | 4,827 |
| Memoranda: | ||
| Average total assets | $153,819,600 | 3,423 |
| Average earning assets | $141,507,400 | 3,429 |
| Average equity | $15,424,600 | 3,665 |
| Average total loans | $113,304,200 | 3,136 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9634% | 661 |
| Cost of funding earning assets | 0.5238% | 2,081 |
| Net interest margin | 4.4396% | 677 |
| Noninterest income to average assets | 0.3301% | 4,171 |
| Noninterest expense to average assets | 2.2752% | 4,360 |
| Loan and lease loss provision to assets | 0.0784% | 2,517 |
| Net operating income to assets | 2.0592% | 285 |
| Return on assets (ROA) | 2.0618% | 289 |
| Pretax return on assets | 2.0618% | 484 |
| Return on Equity (ROE) | 20.5644% | 197 |
| Retained earnings to average equity (ytd only) | 7.2892% | 1,542 |
| Net charge-offs to loans | 0.0035% | 3,611 |
| Credit loss provision to net charge-offs | 3,000.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 817.9800% | 128 |
| Efficiency ratio | 51.5594% | 5,137 |
| Assets per employee ($millions) | 6.7302% | 1,059 |
| Cash dividends to net income (ytd only)* | 64.5542% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3701% | 5,578 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 74.5979% | 1,820 |
| Net loans and leases to deposits | 84.8498% | 2,452 |
| Net loans and leases to core deposits | 87.6163% | 2,809 |
| Total domestic deposits to total assets | 87.9175% | 1,412 |
| Equity capital to assets | 10.1813% | 3,710 |
| Core capital (leverage) ratio | 10.2512% | 3,253 |
| Tier 1 risk-based capital ratio | 11.7610% | 4,798 |
| Total risk-based capital ratio | 12.0814% | 5,241 |
| Memoranda: | ||
| Average total assets | $153,064,750 | 3,461 |
| Average earning assets | $140,759,750 | 3,466 |
| Average equity | $15,346,500 | 3,710 |
| Average total loans | $114,216,500 | 3,160 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8819% | 729 |
| Cost of funding earning assets | 0.5056% | 2,125 |
| Net interest margin | 4.3763% | 730 |
| Noninterest income to average assets | 0.3371% | 4,139 |
| Noninterest expense to average assets | 2.2664% | 4,431 |
| Loan and lease loss provision to assets | 0.0787% | 2,409 |
| Net operating income to assets | 2.0224% | 294 |
| Return on assets (ROA) | 2.0277% | 299 |
| Pretax return on assets | 2.0277% | 506 |
| Return on Equity (ROE) | 20.3305% | 207 |
| Retained earnings to average equity (ytd only) | 7.6667% | 1,291 |
| Net charge-offs to loans | 0.0053% | 3,281 |
| Credit loss provision to net charge-offs | 2,000.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 534.0000% | 156 |
| Efficiency ratio | 51.8919% | 5,186 |
| Assets per employee ($millions) | 6.3967% | 1,208 |
| Cash dividends to net income (ytd only)* | 62.2898% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3509% | 5,641 |
| Loan loss allowance to noncurrent loans | 39,900.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 5,330 |
| Noncurrent loans to loans | 0.0009% | 5,207 |
| Net loans and leases to total assets | 73.8088% | 1,906 |
| Net loans and leases to deposits | 84.3258% | 2,431 |
| Net loans and leases to core deposits | 87.1075% | 2,789 |
| Total domestic deposits to total assets | 87.5281% | 1,702 |
| Equity capital to assets | 10.1068% | 3,789 |
| Core capital (leverage) ratio | 10.1343% | 3,360 |
| Tier 1 risk-based capital ratio | 11.7194% | 4,828 |
| Total risk-based capital ratio | 12.0212% | 5,281 |
| Memoranda: | ||
| Average total assets | $152,488,330 | 3,489 |
| Average earning assets | $140,438,000 | 3,488 |
| Average equity | $15,208,670 | 3,736 |
| Average total loans | $113,654,670 | 3,172 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7680% | 806 |
| Cost of funding earning assets | 0.4911% | 2,159 |
| Net interest margin | 4.2769% | 831 |
| Noninterest income to average assets | 0.3527% | 4,020 |
| Noninterest expense to average assets | 2.2057% | 4,625 |
| Loan and lease loss provision to assets | 0.0790% | 2,234 |
| Net operating income to assets | 2.0109% | 298 |
| Return on assets (ROA) | 2.0109% | 308 |
| Pretax return on assets | 2.0109% | 495 |
| Return on Equity (ROE) | 20.2989% | 217 |
| Retained earnings to average equity (ytd only) | 6.3500% | 2,163 |
| Net charge-offs to loans | 0.0070% | 2,726 |
| Credit loss provision to net charge-offs | 1,500.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 397.0000% | 147 |
| Efficiency ratio | 51.3480% | 5,300 |
| Assets per employee ($millions) | 6.6072% | 1,134 |
| Cash dividends to net income (ytd only)* | 68.7173% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3224% | 5,731 |
| Loan loss allowance to noncurrent loans | 18,500.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 5,388 |
| Noncurrent loans to loans | 0.0017% | 5,275 |
| Net loans and leases to total assets | 75.2779% | 1,533 |
| Net loans and leases to deposits | 85.7059% | 2,061 |
| Net loans and leases to core deposits | 88.9535% | 2,458 |
| Total domestic deposits to total assets | 87.8327% | 1,809 |
| Equity capital to assets | 9.9819% | 3,779 |
| Core capital (leverage) ratio | 9.9674% | 3,543 |
| Tier 1 risk-based capital ratio | 11.5483% | 4,998 |
| Total risk-based capital ratio | 11.8304% | 5,427 |
| Memoranda: | ||
| Average total assets | $151,972,000 | 3,530 |
| Average earning assets | $140,100,500 | 3,525 |
| Average equity | $15,055,000 | 3,774 |
| Average total loans | $113,626,500 | 3,194 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9927% | 596 |
| Cost of funding earning assets | 0.4740% | 2,314 |
| Net interest margin | 4.5187% | 597 |
| Noninterest income to average assets | 0.7123% | 2,118 |
| Noninterest expense to average assets | 2.5550% | 3,822 |
| Loan and lease loss provision to assets | 0.0771% | 2,818 |
| Net operating income to assets | 2.2260% | 216 |
| Return on assets (ROA) | 2.2260% | 227 |
| Pretax return on assets | 2.2260% | 310 |
| Return on Equity (ROE) | 23.1057% | 117 |
| Retained earnings to average equity (ytd only) | 8.5829% | 670 |
| Net charge-offs to loans | -0.0289% | 5,229 |
| Credit loss provision to net charge-offs | -348.4848% | 5,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5931% | 5,341 |
| Assets per employee ($millions) | 6.3325% | 1,241 |
| Cash dividends to net income (ytd only)* | 62.8537% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3040% | 5,796 |
| Loan loss allowance to noncurrent loans | 11,400.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,437 |
| Noncurrent loans to loans | 0.0027% | 5,309 |
| Net loans and leases to total assets | 73.7898% | 1,877 |
| Net loans and leases to deposits | 83.4903% | 2,478 |
| Net loans and leases to core deposits | 86.3059% | 2,828 |
| Total domestic deposits to total assets | 88.3813% | 1,449 |
| Equity capital to assets | 9.8310% | 3,907 |
| Core capital (leverage) ratio | 9.6923% | 3,870 |
| Tier 1 risk-based capital ratio | 11.4849% | 5,066 |
| Total risk-based capital ratio | 11.7484% | 5,507 |
| Memoranda: | ||
| Average total assets | $149,235,200 | 3,532 |
| Average earning assets | $136,918,800 | 3,539 |
| Average equity | $14,377,400 | 3,897 |
| Average total loans | $114,242,600 | 3,152 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9889% | 620 |
| Cost of funding earning assets | 0.4655% | 2,416 |
| Net interest margin | 4.5234% | 593 |
| Noninterest income to average assets | 0.4883% | 3,334 |
| Noninterest expense to average assets | 2.4162% | 4,236 |
| Loan and lease loss provision to assets | 0.0763% | 2,699 |
| Net operating income to assets | 2.1469% | 267 |
| Return on assets (ROA) | 2.1469% | 281 |
| Pretax return on assets | 2.1469% | 427 |
| Return on Equity (ROE) | 22.4019% | 150 |
| Retained earnings to average equity (ytd only) | 8.6068% | 936 |
| Net charge-offs to loans | -0.0384% | 5,274 |
| Credit loss provision to net charge-offs | -257.5758% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0797% | 5,378 |
| Assets per employee ($millions) | 6.3110% | 1,223 |
| Cash dividends to net income (ytd only)* | 61.5803% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2565% | 5,874 |
| Loan loss allowance to noncurrent loans | 31,200.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 5,548 |
| Noncurrent loans to loans | 0.0008% | 5,426 |
| Net loans and leases to total assets | 80.1161% | 876 |
| Net loans and leases to deposits | 91.7766% | 1,526 |
| Net loans and leases to core deposits | 94.8698% | 2,117 |
| Total domestic deposits to total assets | 87.2947% | 1,763 |
| Equity capital to assets | 9.7099% | 4,455 |
| Core capital (leverage) ratio | 9.7920% | 3,819 |
| Tier 1 risk-based capital ratio | 10.5396% | 5,600 |
| Total risk-based capital ratio | 10.7650% | 5,862 |
| Memoranda: | ||
| Average total assets | $148,549,250 | 3,563 |
| Average earning assets | $136,325,500 | 3,564 |
| Average equity | $14,236,500 | 3,947 |
| Average total loans | $114,681,500 | 3,156 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9213% | 689 |
| Cost of funding earning assets | 0.4611% | 2,465 |
| Net interest margin | 4.4603% | 673 |
| Noninterest income to average assets | 0.5367% | 2,975 |
| Noninterest expense to average assets | 2.3527% | 4,469 |
| Loan and lease loss provision to assets | 0.0745% | 2,648 |
| Net operating income to assets | 2.2131% | 224 |
| Return on assets (ROA) | 2.2131% | 238 |
| Pretax return on assets | 2.2131% | 373 |
| Return on Equity (ROE) | 23.1966% | 124 |
| Retained earnings to average equity (ytd only) | 9.8440% | 632 |
| Net charge-offs to loans | -0.0605% | 5,445 |
| Credit loss provision to net charge-offs | -161.7647% | 4,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7009% | 5,524 |
| Assets per employee ($millions) | 6.1482% | 1,305 |
| Cash dividends to net income (ytd only)* | 57.5628% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2456% | 5,962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 78.1846% | 1,175 |
| Net loans and leases to deposits | 89.6771% | 1,788 |
| Net loans and leases to core deposits | 92.7834% | 2,277 |
| Total domestic deposits to total assets | 87.1845% | 1,818 |
| Equity capital to assets | 9.8254% | 4,415 |
| Core capital (leverage) ratio | 9.7587% | 3,858 |
| Tier 1 risk-based capital ratio | 10.7876% | 5,532 |
| Total risk-based capital ratio | 11.0008% | 5,876 |
| Memoranda: | ||
| Average total assets | $147,577,670 | 3,596 |
| Average earning assets | $135,777,000 | 3,598 |
| Average equity | $14,079,670 | 3,987 |
| Average total loans | $112,355,670 | 3,200 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8653% | 740 |
| Cost of funding earning assets | 0.4516% | 2,563 |
| Net interest margin | 4.4137% | 717 |
| Noninterest income to average assets | 0.2548% | 4,918 |
| Noninterest expense to average assets | 2.4040% | 4,354 |
| Loan and lease loss provision to assets | 0.0678% | 2,604 |
| Net operating income to assets | 1.8619% | 430 |
| Return on assets (ROA) | 1.8619% | 457 |
| Pretax return on assets | 1.8619% | 750 |
| Return on Equity (ROE) | 19.8118% | 256 |
| Retained earnings to average equity (ytd only) | 6.5463% | 2,113 |
| Net charge-offs to loans | 0.0072% | 2,874 |
| Credit loss provision to net charge-offs | 1,250.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 356.0000% | 165 |
| Efficiency ratio | 55.4722% | 5,240 |
| Assets per employee ($millions) | 6.1688% | 1,290 |
| Cash dividends to net income (ytd only)* | 66.9578% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1956% | 6,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 74.7970% | 1,600 |
| Net loans and leases to deposits | 85.6474% | 2,096 |
| Net loans and leases to core deposits | 88.4255% | 2,522 |
| Total domestic deposits to total assets | 87.3313% | 2,039 |
| Equity capital to assets | 9.4644% | 4,699 |
| Core capital (leverage) ratio | 9.4664% | 4,252 |
| Tier 1 risk-based capital ratio | 10.9521% | 5,531 |
| Total risk-based capital ratio | 11.1230% | 5,907 |
| Memoranda: | ||
| Average total assets | $147,588,500 | 3,613 |
| Average earning assets | $136,394,000 | 3,612 |
| Average equity | $13,870,500 | 4,024 |
| Average total loans | $110,708,500 | 3,231 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7293% | 1,046 |
| Cost of funding earning assets | 0.4434% | 2,699 |
| Net interest margin | 4.2859% | 989 |
| Noninterest income to average assets | 0.2928% | 4,793 |
| Noninterest expense to average assets | 2.4932% | 4,249 |
| Loan and lease loss provision to assets | 0.0410% | 3,514 |
| Net operating income to assets | 1.7172% | 557 |
| Return on assets (ROA) | 1.7172% | 580 |
| Pretax return on assets | 1.7172% | 955 |
| Return on Equity (ROE) | 18.8273% | 323 |
| Retained earnings to average equity (ytd only) | 6.8544% | 1,344 |
| Net charge-offs to loans | 0.0019% | 4,412 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 1,288.0000% | 38 |
| Efficiency ratio | 58.6450% | 5,072 |
| Assets per employee ($millions) | 6.1303% | 1,297 |
| Cash dividends to net income (ytd only)* | 63.5930% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1756% | 6,093 |
| Loan loss allowance to noncurrent loans | 3,233.3333% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 5,705 |
| Noncurrent loans to loans | 0.0054% | 5,531 |
| Net loans and leases to total assets | 74.9482% | 1,578 |
| Net loans and leases to deposits | 84.9419% | 2,249 |
| Net loans and leases to core deposits | 87.6919% | 2,629 |
| Total domestic deposits to total assets | 88.2347% | 1,519 |
| Equity capital to assets | 9.3314% | 4,753 |
| Core capital (leverage) ratio | 9.1811% | 4,642 |
| Tier 1 risk-based capital ratio | 10.7639% | 5,641 |
| Total risk-based capital ratio | 10.9166% | 6,006 |
| Memoranda: | ||
| Average total assets | $146,518,000 | 3,622 |
| Average earning assets | $135,328,000 | 3,608 |
| Average equity | $13,363,600 | 4,067 |
| Average total loans | $107,141,400 | 3,258 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6631% | 1,172 |
| Cost of funding earning assets | 0.4330% | 2,871 |
| Net interest margin | 4.2302% | 1,105 |
| Noninterest income to average assets | 0.2915% | 4,860 |
| Noninterest expense to average assets | 2.3812% | 4,564 |
| Loan and lease loss provision to assets | 0.0410% | 3,388 |
| Net operating income to assets | 1.7854% | 537 |
| Return on assets (ROA) | 1.7854% | 558 |
| Pretax return on assets | 1.7854% | 923 |
| Return on Equity (ROE) | 19.6897% | 290 |
| Retained earnings to average equity (ytd only) | 7.9362% | 1,260 |
| Net charge-offs to loans | 0.0013% | 4,140 |
| Credit loss provision to net charge-offs | 4,500.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 2,009.9774% | 29 |
| Efficiency ratio | 56.5923% | 5,273 |
| Assets per employee ($millions) | 6.0111% | 1,363 |
| Cash dividends to net income (ytd only)* | 59.6938% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1581% | 6,185 |
| Loan loss allowance to noncurrent loans | 2,571.4286% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 5,793 |
| Noncurrent loans to loans | 0.0061% | 5,628 |
| Net loans and leases to total assets | 78.8148% | 986 |
| Net loans and leases to deposits | 90.2168% | 1,615 |
| Net loans and leases to core deposits | 93.1915% | 2,158 |
| Total domestic deposits to total assets | 87.3615% | 1,863 |
| Equity capital to assets | 9.4728% | 4,784 |
| Core capital (leverage) ratio | 9.5103% | 4,290 |
| Tier 1 risk-based capital ratio | 10.4750% | 5,892 |
| Total risk-based capital ratio | 10.6142% | 6,143 |
| Memoranda: | ||
| Average total assets | $146,365,750 | 3,654 |
| Average earning assets | $135,500,000 | 3,641 |
| Average equity | $13,272,250 | 4,127 |
| Average total loans | $106,311,000 | 3,297 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5057% | 1,516 |
| Cost of funding earning assets | 0.4230% | 3,008 |
| Net interest margin | 4.0827% | 1,401 |
| Noninterest income to average assets | 0.2761% | 4,976 |
| Noninterest expense to average assets | 2.2997% | 4,846 |
| Loan and lease loss provision to assets | 0.0408% | 3,298 |
| Net operating income to assets | 1.7162% | 612 |
| Return on assets (ROA) | 1.7162% | 637 |
| Pretax return on assets | 1.7162% | 1,050 |
| Return on Equity (ROE) | 19.2071% | 313 |
| Retained earnings to average equity (ytd only) | 8.0207% | 1,258 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6879% | 5,367 |
| Assets per employee ($millions) | 5.7936% | 1,503 |
| Cash dividends to net income (ytd only)* | 58.2409% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1530% | 6,260 |
| Loan loss allowance to noncurrent loans | 1,509.0909% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 5,866 |
| Noncurrent loans to loans | 0.0101% | 5,727 |
| Net loans and leases to total assets | 77.8895% | 1,081 |
| Net loans and leases to deposits | 89.2507% | 1,689 |
| Net loans and leases to core deposits | 91.6859% | 2,183 |
| Total domestic deposits to total assets | 87.2705% | 2,027 |
| Equity capital to assets | 9.6277% | 4,497 |
| Core capital (leverage) ratio | 9.4262% | 4,382 |
| Tier 1 risk-based capital ratio | 10.6456% | 5,861 |
| Total risk-based capital ratio | 10.7786% | 6,178 |
| Memoranda: | ||
| Average total assets | $147,065,670 | 3,675 |
| Average earning assets | $136,183,330 | 3,656 |
| Average equity | $13,141,000 | 4,176 |
| Average total loans | $103,787,000 | 3,363 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2476% | 2,281 |
| Cost of funding earning assets | 0.4085% | 3,215 |
| Net interest margin | 3.8391% | 2,101 |
| Noninterest income to average assets | 0.2674% | 5,039 |
| Noninterest expense to average assets | 2.2903% | 4,911 |
| Loan and lease loss provision to assets | 0.0397% | 3,116 |
| Net operating income to assets | 1.4959% | 853 |
| Return on assets (ROA) | 1.4959% | 906 |
| Pretax return on assets | 1.4959% | 1,580 |
| Return on Equity (ROE) | 17.3606% | 442 |
| Retained earnings to average equity (ytd only) | 7.2208% | 1,907 |
| Net charge-offs to loans | 0.0039% | 3,185 |
| Credit loss provision to net charge-offs | 1,500.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 580.0000% | 91 |
| Efficiency ratio | 59.8616% | 5,108 |
| Assets per employee ($millions) | 6.4606% | 1,096 |
| Cash dividends to net income (ytd only)* | 58.4071% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1440% | 6,336 |
| Loan loss allowance to noncurrent loans | 15,100.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 5,981 |
| Noncurrent loans to loans | 0.0010% | 5,822 |
| Net loans and leases to total assets | 67.5210% | 2,527 |
| Net loans and leases to deposits | 78.2250% | 2,771 |
| Net loans and leases to core deposits | 79.8125% | 3,189 |
| Total domestic deposits to total assets | 86.3164% | 2,758 |
| Equity capital to assets | 8.4764% | 5,758 |
| Core capital (leverage) ratio | 8.5944% | 5,426 |
| Tier 1 risk-based capital ratio | 10.4076% | 6,047 |
| Total risk-based capital ratio | 10.5285% | 6,284 |
| Memoranda: | ||
| Average total assets | $151,075,000 | 3,632 |
| Average earning assets | $140,033,500 | 3,622 |
| Average equity | $13,018,000 | 4,233 |
| Average total loans | $101,446,000 | 3,425 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5126% | 1,820 |
| Cost of funding earning assets | 0.4514% | 3,159 |
| Net interest margin | 4.0612% | 1,702 |
| Noninterest income to average assets | 0.3170% | 4,851 |
| Noninterest expense to average assets | 2.5543% | 4,381 |
| Loan and lease loss provision to assets | 0.0549% | 3,453 |
| Net operating income to assets | 1.4488% | 982 |
| Return on assets (ROA) | 1.4488% | 1,013 |
| Pretax return on assets | 1.4488% | 1,724 |
| Return on Equity (ROE) | 15.8014% | 646 |
| Retained earnings to average equity (ytd only) | 5.8607% | 2,014 |
| Net charge-offs to loans | 0.0054% | 4,828 |
| Credit loss provision to net charge-offs | 1,500.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 410.8000% | 131 |
| Efficiency ratio | 62.9443% | 4,760 |
| Assets per employee ($millions) | 6.3955% | 1,123 |
| Cash dividends to net income (ytd only)* | 62.9106% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1387% | 6,429 |
| Loan loss allowance to noncurrent loans | 503.7037% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 5,974 |
| Noncurrent loans to loans | 0.0275% | 5,777 |
| Net loans and leases to total assets | 66.5627% | 2,799 |
| Net loans and leases to deposits | 75.3492% | 3,274 |
| Net loans and leases to core deposits | 76.9251% | 3,616 |
| Total domestic deposits to total assets | 88.3389% | 1,602 |
| Equity capital to assets | 8.7650% | 5,518 |
| Core capital (leverage) ratio | 8.9556% | 5,056 |
| Tier 1 risk-based capital ratio | 11.4809% | 5,675 |
| Total risk-based capital ratio | 11.6033% | 6,110 |
| Memoranda: | ||
| Average total assets | $136,592,200 | 3,867 |
| Average earning assets | $125,825,200 | 3,849 |
| Average equity | $12,524,200 | 4,271 |
| Average total loans | $92,034,000 | 3,587 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 1,858 |
| Cost of funding earning assets | 0.4554% | 3,185 |
| Net interest margin | 4.0486% | 1,727 |
| Noninterest income to average assets | 0.3205% | 4,867 |
| Noninterest expense to average assets | 2.5349% | 4,414 |
| Loan and lease loss provision to assets | 0.0746% | 2,850 |
| Net operating income to assets | 1.4451% | 1,035 |
| Return on assets (ROA) | 1.4451% | 1,076 |
| Pretax return on assets | 1.4451% | 1,825 |
| Return on Equity (ROE) | 15.5723% | 736 |
| Retained earnings to average equity (ytd only) | 5.2230% | 2,936 |
| Net charge-offs to loans | 0.0059% | 4,489 |
| Credit loss provision to net charge-offs | 1,875.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 381.9794% | 191 |
| Efficiency ratio | 62.5184% | 4,808 |
| Assets per employee ($millions) | 5.7021% | 1,561 |
| Cash dividends to net income (ytd only)* | 66.4599% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1416% | 6,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 70.0884% | 2,180 |
| Net loans and leases to deposits | 80.1230% | 2,668 |
| Net loans and leases to core deposits | 81.5806% | 3,140 |
| Total domestic deposits to total assets | 87.4761% | 2,042 |
| Equity capital to assets | 9.2130% | 5,134 |
| Core capital (leverage) ratio | 9.1215% | 4,892 |
| Tier 1 risk-based capital ratio | 11.6386% | 5,710 |
| Total risk-based capital ratio | 11.7651% | 6,151 |
| Memoranda: | ||
| Average total assets | $133,966,250 | 3,939 |
| Average earning assets | $123,562,250 | 3,918 |
| Average equity | $12,432,000 | 4,308 |
| Average total loans | $90,530,750 | 3,648 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4344% | 2,056 |
| Cost of funding earning assets | 0.4555% | 3,257 |
| Net interest margin | 3.9789% | 1,873 |
| Noninterest income to average assets | 0.3188% | 4,868 |
| Noninterest expense to average assets | 2.4946% | 4,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4887% | 892 |
| Return on assets (ROA) | 1.4887% | 923 |
| Pretax return on assets | 1.4887% | 1,571 |
| Return on Equity (ROE) | 16.0022% | 658 |
| Retained earnings to average equity (ytd only) | 7.3545% | 1,584 |
| Net charge-offs to loans | 0.0090% | 4,095 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 247.5000% | 271 |
| Efficiency ratio | 62.6274% | 4,923 |
| Assets per employee ($millions) | 5.6055% | 1,602 |
| Cash dividends to net income (ytd only)* | 54.0404% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0682% | 6,587 |
| Loan loss allowance to noncurrent loans | 620.0000% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 6,236 |
| Noncurrent loans to loans | 0.0110% | 6,052 |
| Net loans and leases to total assets | 67.5482% | 2,493 |
| Net loans and leases to deposits | 76.9160% | 2,942 |
| Net loans and leases to core deposits | 78.1638% | 3,423 |
| Total domestic deposits to total assets | 87.8207% | 2,021 |
| Equity capital to assets | 9.3725% | 4,873 |
| Core capital (leverage) ratio | 9.3267% | 4,557 |
| Tier 1 risk-based capital ratio | 12.1621% | 5,445 |
| Total risk-based capital ratio | 12.2225% | 6,006 |
| Memoranda: | ||
| Average total assets | $133,005,000 | 3,976 |
| Average earning assets | $122,496,000 | 3,957 |
| Average equity | $12,373,330 | 4,332 |
| Average total loans | $88,690,330 | 3,699 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4922% | 1,836 |
| Cost of funding earning assets | 0.4505% | 3,425 |
| Net interest margin | 4.0417% | 1,624 |
| Noninterest income to average assets | 0.2964% | 4,987 |
| Noninterest expense to average assets | 2.5862% | 4,320 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4277% | 938 |
| Return on assets (ROA) | 1.4277% | 980 |
| Pretax return on assets | 1.4277% | 1,651 |
| Return on Equity (ROE) | 15.4053% | 718 |
| Retained earnings to average equity (ytd only) | 14.4262% | 366 |
| Net charge-offs to loans | 0.0091% | 3,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 236.0000% | 211 |
| Efficiency ratio | 64.4310% | 4,794 |
| Assets per employee ($millions) | 5.5570% | 1,656 |
| Cash dividends to net income (ytd only)* | 6.3559% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0744% | 6,657 |
| Loan loss allowance to noncurrent loans | 13.0612% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 5,058 |
| Noncurrent loans to loans | 0.5694% | 4,454 |
| Net loans and leases to total assets | 64.4727% | 2,814 |
| Net loans and leases to deposits | 74.1898% | 3,041 |
| Net loans and leases to core deposits | 75.1698% | 3,510 |
| Total domestic deposits to total assets | 86.9024% | 2,868 |
| Equity capital to assets | 9.3748% | 4,659 |
| Core capital (leverage) ratio | 9.4936% | 4,287 |
| Tier 1 risk-based capital ratio | 12.6494% | 5,223 |
| Total risk-based capital ratio | 12.7144% | 5,885 |
| Memoranda: | ||
| Average total assets | $132,241,500 | 4,027 |
| Average earning assets | $121,632,000 | 4,008 |
| Average equity | $12,255,500 | 4,377 |
| Average total loans | $87,567,500 | 3,758 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3804% | 2,657 |
| Cost of funding earning assets | 0.4670% | 3,941 |
| Net interest margin | 3.9134% | 2,242 |
| Noninterest income to average assets | 0.3459% | 4,848 |
| Noninterest expense to average assets | 2.5984% | 4,467 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3356% | 1,166 |
| Return on assets (ROA) | 1.3356% | 1,210 |
| Pretax return on assets | 1.3356% | 2,028 |
| Return on Equity (ROE) | 14.6210% | 828 |
| Retained earnings to average equity (ytd only) | 8.5254% | 900 |
| Net charge-offs to loans | 0.0061% | 5,342 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 340.6000% | 125 |
| Efficiency ratio | 66.0486% | 4,548 |
| Assets per employee ($millions) | 5.4631% | 1,684 |
| Cash dividends to net income (ytd only)* | 41.6911% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0741% | 6,734 |
| Loan loss allowance to noncurrent loans | 13.5246% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 5,133 |
| Noncurrent loans to loans | 0.5478% | 4,621 |
| Net loans and leases to total assets | 67.8938% | 2,375 |
| Net loans and leases to deposits | 78.7194% | 2,629 |
| Net loans and leases to core deposits | 79.7854% | 3,160 |
| Total domestic deposits to total assets | 86.2480% | 3,138 |
| Equity capital to assets | 9.1584% | 4,856 |
| Core capital (leverage) ratio | 9.0919% | 4,871 |
| Tier 1 risk-based capital ratio | 11.9909% | 5,617 |
| Total risk-based capital ratio | 12.0567% | 6,211 |
| Memoranda: | ||
| Average total assets | $127,503,600 | 4,122 |
| Average earning assets | $116,906,200 | 4,113 |
| Average equity | $11,647,600 | 4,520 |
| Average total loans | $81,693,600 | 3,889 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3028% | 2,984 |
| Cost of funding earning assets | 0.4663% | 4,102 |
| Net interest margin | 3.8364% | 2,512 |
| Noninterest income to average assets | 0.3507% | 4,883 |
| Noninterest expense to average assets | 2.5528% | 4,539 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3154% | 1,310 |
| Return on assets (ROA) | 1.3154% | 1,368 |
| Pretax return on assets | 1.3154% | 2,280 |
| Return on Equity (ROE) | 14.4087% | 907 |
| Retained earnings to average equity (ytd only) | 8.8714% | 1,094 |
| Net charge-offs to loans | 0.0050% | 5,085 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 416.3225% | 139 |
| Efficiency ratio | 65.9951% | 4,480 |
| Assets per employee ($millions) | 5.6061% | 1,531 |
| Cash dividends to net income (ytd only)* | 38.4305% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0763% | 6,819 |
| Loan loss allowance to noncurrent loans | 340.0000% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 6,452 |
| Noncurrent loans to loans | 0.0224% | 6,285 |
| Net loans and leases to total assets | 69.0453% | 2,135 |
| Net loans and leases to deposits | 79.8055% | 2,437 |
| Net loans and leases to core deposits | 80.4219% | 3,076 |
| Total domestic deposits to total assets | 86.5170% | 2,960 |
| Equity capital to assets | 9.1926% | 4,946 |
| Core capital (leverage) ratio | 9.1372% | 4,909 |
| Tier 1 risk-based capital ratio | 11.6542% | 5,981 |
| Total risk-based capital ratio | 11.7214% | 6,433 |
| Memoranda: | ||
| Average total assets | $126,600,750 | 4,186 |
| Average earning assets | $116,077,250 | 4,175 |
| Average equity | $11,557,500 | 4,583 |
| Average total loans | $79,845,750 | 3,976 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1977% | 3,377 |
| Cost of funding earning assets | 0.4607% | 4,300 |
| Net interest margin | 3.7370% | 2,817 |
| Noninterest income to average assets | 0.3561% | 4,839 |
| Noninterest expense to average assets | 2.4877% | 4,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3114% | 1,297 |
| Return on assets (ROA) | 1.3114% | 1,379 |
| Pretax return on assets | 1.3114% | 2,259 |
| Return on Equity (ROE) | 14.3992% | 930 |
| Retained earnings to average equity (ytd only) | 9.5122% | 962 |
| Net charge-offs to loans | 0.0026% | 4,874 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 825.0000% | 40 |
| Efficiency ratio | 65.4812% | 4,634 |
| Assets per employee ($millions) | 5.5456% | 1,541 |
| Cash dividends to net income (ytd only)* | 33.9394% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0872% | 6,864 |
| Loan loss allowance to noncurrent loans | 318.1818% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 6,490 |
| Noncurrent loans to loans | 0.0274% | 6,330 |
| Net loans and leases to total assets | 62.9060% | 3,116 |
| Net loans and leases to deposits | 72.6282% | 3,364 |
| Net loans and leases to core deposits | 73.0248% | 3,922 |
| Total domestic deposits to total assets | 86.6138% | 3,051 |
| Equity capital to assets | 9.0773% | 5,138 |
| Core capital (leverage) ratio | 9.2464% | 4,629 |
| Tier 1 risk-based capital ratio | 12.3800% | 5,586 |
| Total risk-based capital ratio | 12.4548% | 6,213 |
| Memoranda: | ||
| Average total assets | $125,821,000 | 4,226 |
| Average earning assets | $115,921,330 | 4,204 |
| Average equity | $11,459,000 | 4,633 |
| Average total loans | $76,762,670 | 4,081 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1181% | 3,651 |
| Cost of funding earning assets | 0.4622% | 4,457 |
| Net interest margin | 3.6559% | 3,053 |
| Noninterest income to average assets | 0.3457% | 4,917 |
| Noninterest expense to average assets | 2.5513% | 4,564 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1620% | 1,635 |
| Return on assets (ROA) | 1.1620% | 1,742 |
| Pretax return on assets | 1.1620% | 2,718 |
| Return on Equity (ROE) | 12.7374% | 1,229 |
| Retained earnings to average equity (ytd only) | 11.6847% | 752 |
| Net charge-offs to loans | -0.0053% | 5,285 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7069% | 4,192 |
| Assets per employee ($millions) | 5.7016% | 1,483 |
| Cash dividends to net income (ytd only)* | 8.2645% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0952% | 6,937 |
| Loan loss allowance to noncurrent loans | 2,433.3333% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,647 |
| Noncurrent loans to loans | 0.0039% | 6,509 |
| Net loans and leases to total assets | 61.0710% | 3,242 |
| Net loans and leases to deposits | 69.7792% | 3,519 |
| Net loans and leases to core deposits | 70.1627% | 4,057 |
| Total domestic deposits to total assets | 87.5203% | 2,621 |
| Equity capital to assets | 9.2103% | 5,240 |
| Core capital (leverage) ratio | 9.0410% | 4,819 |
| Tier 1 risk-based capital ratio | 12.6737% | 5,448 |
| Total risk-based capital ratio | 12.7551% | 6,154 |
| Memoranda: | ||
| Average total assets | $124,957,000 | 4,285 |
| Average earning assets | $115,102,000 | 4,264 |
| Average equity | $11,399,500 | 4,701 |
| Average total loans | $74,991,000 | 4,167 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 3,829 |
| Cost of funding earning assets | 0.5456% | 4,855 |
| Net interest margin | 3.8485% | 3,030 |
| Noninterest income to average assets | 0.4447% | 4,290 |
| Noninterest expense to average assets | 2.6190% | 4,678 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3866% | 1,122 |
| Return on assets (ROA) | 1.4145% | 1,187 |
| Pretax return on assets | 1.4145% | 1,992 |
| Return on Equity (ROE) | 15.1167% | 796 |
| Retained earnings to average equity (ytd only) | 4.7070% | 2,907 |
| Net charge-offs to loans | 0.0144% | 5,708 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 163.7000% | 254 |
| Efficiency ratio | 65.3838% | 4,630 |
| Assets per employee ($millions) | 5.6581% | 1,557 |
| Cash dividends to net income (ytd only)* | 68.8623% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0969% | 6,989 |
| Loan loss allowance to noncurrent loans | 1,014.2857% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 6,683 |
| Noncurrent loans to loans | 0.0095% | 6,546 |
| Net loans and leases to total assets | 58.8321% | 3,833 |
| Net loans and leases to deposits | 67.8737% | 4,004 |
| Net loans and leases to core deposits | 68.5279% | 4,478 |
| Total domestic deposits to total assets | 86.6788% | 3,002 |
| Equity capital to assets | 9.0345% | 5,484 |
| Core capital (leverage) ratio | 8.8177% | 5,153 |
| Tier 1 risk-based capital ratio | 12.7662% | 5,279 |
| Total risk-based capital ratio | 12.8483% | 5,995 |
| Memoranda: | ||
| Average total assets | $118,058,800 | 4,400 |
| Average earning assets | $109,237,800 | 4,360 |
| Average equity | $11,047,400 | 4,753 |
| Average total loans | $69,225,800 | 4,382 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3984% | 4,055 |
| Cost of funding earning assets | 0.5498% | 5,091 |
| Net interest margin | 3.8486% | 3,123 |
| Noninterest income to average assets | 0.3904% | 4,705 |
| Noninterest expense to average assets | 2.4913% | 5,114 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4655% | 1,084 |
| Return on assets (ROA) | 1.4987% | 1,138 |
| Pretax return on assets | 1.4987% | 1,882 |
| Return on Equity (ROE) | 15.8695% | 759 |
| Retained earnings to average equity (ytd only) | 6.2920% | 2,491 |
| Net charge-offs to loans | 0.0059% | 5,668 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 426.6550% | 107 |
| Efficiency ratio | 62.9630% | 4,982 |
| Assets per employee ($millions) | 5.3280% | 1,805 |
| Cash dividends to net income (ytd only)* | 60.3516% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1049% | 7,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 60.6308% | 3,649 |
| Net loans and leases to deposits | 69.5537% | 3,958 |
| Net loans and leases to core deposits | 70.3978% | 4,449 |
| Total domestic deposits to total assets | 87.1712% | 2,574 |
| Equity capital to assets | 9.2546% | 5,524 |
| Core capital (leverage) ratio | 9.2410% | 4,689 |
| Tier 1 risk-based capital ratio | 12.4979% | 5,645 |
| Total risk-based capital ratio | 12.5863% | 6,301 |
| Memoranda: | ||
| Average total assets | $116,454,000 | 4,476 |
| Average earning assets | $107,916,000 | 4,438 |
| Average equity | $10,997,750 | 4,804 |
| Average total loans | $68,206,250 | 4,461 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 4,505 |
| Cost of funding earning assets | 0.5621% | 5,215 |
| Net interest margin | 3.7530% | 3,574 |
| Noninterest income to average assets | 0.3933% | 4,701 |
| Noninterest expense to average assets | 2.4401% | 5,326 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4542% | 1,075 |
| Return on assets (ROA) | 1.5049% | 1,104 |
| Pretax return on assets | 1.5049% | 1,834 |
| Return on Equity (ROE) | 15.8224% | 792 |
| Retained earnings to average equity (ytd only) | 9.5743% | 1,093 |
| Net charge-offs to loans | 0.0091% | 5,340 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 277.3333% | 155 |
| Efficiency ratio | 62.6571% | 5,142 |
| Assets per employee ($millions) | 5.0914% | 2,043 |
| Cash dividends to net income (ytd only)* | 39.4890% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1084% | 7,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 61.3878% | 3,552 |
| Net loans and leases to deposits | 71.3915% | 3,699 |
| Net loans and leases to core deposits | 72.1076% | 4,283 |
| Total domestic deposits to total assets | 85.9875% | 3,358 |
| Equity capital to assets | 9.5429% | 5,001 |
| Core capital (leverage) ratio | 9.5141% | 4,121 |
| Tier 1 risk-based capital ratio | 12.9561% | 5,212 |
| Total risk-based capital ratio | 13.0477% | 6,036 |
| Memoranda: | ||
| Average total assets | $114,423,670 | 4,552 |
| Average earning assets | $106,740,000 | 4,492 |
| Average equity | $10,883,330 | 4,835 |
| Average total loans | $66,149,000 | 4,555 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2469% | 4,940 |
| Cost of funding earning assets | 0.5813% | 5,277 |
| Net interest margin | 3.6655% | 3,982 |
| Noninterest income to average assets | 0.3714% | 4,893 |
| Noninterest expense to average assets | 2.4831% | 5,204 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3229% | 1,392 |
| Return on assets (ROA) | 1.4113% | 1,350 |
| Pretax return on assets | 1.4113% | 2,159 |
| Return on Equity (ROE) | 14.8638% | 999 |
| Retained earnings to average equity (ytd only) | 14.8638% | 461 |
| Net charge-offs to loans | 0.0127% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 187.0000% | 194 |
| Efficiency ratio | 65.2416% | 4,689 |
| Assets per employee ($millions) | 5.1810% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1199% | 7,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 57.7340% | 4,078 |
| Net loans and leases to deposits | 67.8024% | 4,097 |
| Net loans and leases to core deposits | 68.9570% | 4,567 |
| Total domestic deposits to total assets | 85.1504% | 3,961 |
| Equity capital to assets | 9.5953% | 4,658 |
| Core capital (leverage) ratio | 9.7783% | 3,674 |
| Tier 1 risk-based capital ratio | 13.7414% | 4,648 |
| Total risk-based capital ratio | 13.8409% | 5,493 |
| Memoranda: | ||
| Average total assets | $113,084,000 | 4,618 |
| Average earning assets | $105,960,500 | 4,547 |
| Average equity | $10,737,500 | 4,877 |
| Average total loans | $63,241,000 | 4,686 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0539% | 6,355 |
| Cost of funding earning assets | 0.7325% | 5,326 |
| Net interest margin | 3.3214% | 5,750 |
| Noninterest income to average assets | 0.3485% | 5,020 |
| Noninterest expense to average assets | 2.3983% | 5,781 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0776% | 1,900 |
| Return on assets (ROA) | 1.5976% | 723 |
| Pretax return on assets | 1.5976% | 1,209 |
| Return on Equity (ROE) | 16.0677% | 592 |
| Retained earnings to average equity (ytd only) | 2.2321% | 4,623 |
| Net charge-offs to loans | 0.0116% | 6,268 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 167.8571% | 203 |
| Efficiency ratio | 68.9974% | 4,149 |
| Assets per employee ($millions) | 5.0993% | 2,068 |
| Cash dividends to net income (ytd only)* | 86.1079% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1337% | 7,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 53.9421% | 5,046 |
| Net loans and leases to deposits | 60.8515% | 5,388 |
| Net loans and leases to core deposits | 61.8624% | 5,669 |
| Total domestic deposits to total assets | 88.6455% | 1,757 |
| Equity capital to assets | 9.3934% | 5,031 |
| Core capital (leverage) ratio | 9.2452% | 4,397 |
| Tier 1 risk-based capital ratio | 14.1482% | 4,221 |
| Total risk-based capital ratio | 14.2573% | 5,036 |
| Memoranda: | ||
| Average total assets | $109,036,400 | 4,666 |
| Average earning assets | $102,666,800 | 4,570 |
| Average equity | $10,841,600 | 4,818 |
| Average total loans | $60,293,800 | 4,853 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 6,508 |
| Cost of funding earning assets | 0.7711% | 5,327 |
| Net interest margin | 3.2769% | 5,925 |
| Noninterest income to average assets | 0.3436% | 5,115 |
| Noninterest expense to average assets | 2.2639% | 6,135 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1627% | 1,773 |
| Return on assets (ROA) | 1.8611% | 493 |
| Pretax return on assets | 1.8611% | 842 |
| Return on Equity (ROE) | 18.4531% | 422 |
| Retained earnings to average equity (ytd only) | 8.0725% | 1,483 |
| Net charge-offs to loans | 0.0133% | 5,964 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 157.3300% | 247 |
| Efficiency ratio | 66.0676% | 4,706 |
| Assets per employee ($millions) | 5.0968% | 2,072 |
| Cash dividends to net income (ytd only)* | 56.2543% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1286% | 7,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 56.7757% | 4,720 |
| Net loans and leases to deposits | 64.7755% | 5,079 |
| Net loans and leases to core deposits | 66.2318% | 5,386 |
| Total domestic deposits to total assets | 87.6499% | 2,264 |
| Equity capital to assets | 9.8190% | 4,603 |
| Core capital (leverage) ratio | 10.0115% | 3,427 |
| Tier 1 risk-based capital ratio | 14.2435% | 4,163 |
| Total risk-based capital ratio | 14.3503% | 4,999 |
| Memoranda: | ||
| Average total assets | $108,249,250 | 4,711 |
| Average earning assets | $101,843,000 | 4,619 |
| Average equity | $10,917,500 | 4,825 |
| Average total loans | $60,218,250 | 4,892 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0015% | 6,655 |
| Cost of funding earning assets | 0.7912% | 5,441 |
| Net interest margin | 3.2103% | 6,125 |
| Noninterest income to average assets | 0.3328% | 5,229 |
| Noninterest expense to average assets | 2.1990% | 6,388 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1687% | 1,668 |
| Return on assets (ROA) | 1.1687% | 1,747 |
| Pretax return on assets | 1.1687% | 2,607 |
| Return on Equity (ROE) | 11.4819% | 1,647 |
| Retained earnings to average equity (ytd only) | 6.8892% | 1,925 |
| Net charge-offs to loans | 0.0102% | 5,709 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 208.3333% | 173 |
| Efficiency ratio | 65.2971% | 5,006 |
| Assets per employee ($millions) | 5.4001% | 1,656 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1345% | 7,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 58.4147% | 4,559 |
| Net loans and leases to deposits | 67.1345% | 4,831 |
| Net loans and leases to core deposits | 68.2693% | 5,267 |
| Total domestic deposits to total assets | 87.0114% | 2,731 |
| Equity capital to assets | 10.4702% | 3,547 |
| Core capital (leverage) ratio | 9.8495% | 3,455 |
| Tier 1 risk-based capital ratio | 14.2185% | 4,001 |
| Total risk-based capital ratio | 14.3321% | 4,834 |
| Memoranda: | ||
| Average total assets | $106,956,000 | 4,780 |
| Average earning assets | $101,113,000 | 4,680 |
| Average equity | $10,886,670 | 4,830 |
| Average total loans | $59,043,000 | 5,001 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8509% | 6,887 |
| Cost of funding earning assets | 0.8249% | 5,431 |
| Net interest margin | 3.0260% | 6,517 |
| Noninterest income to average assets | 0.3194% | 5,369 |
| Noninterest expense to average assets | 2.0558% | 6,729 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1312% | 1,734 |
| Return on assets (ROA) | 1.1312% | 1,779 |
| Pretax return on assets | 1.1312% | 2,640 |
| Return on Equity (ROE) | 11.2776% | 1,652 |
| Retained earnings to average equity (ytd only) | 9.4043% | 1,264 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5047% | 5,276 |
| Assets per employee ($millions) | 5.6428% | 1,455 |
| Cash dividends to net income (ytd only)* | 16.6113% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1526% | 7,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 53.6987% | 5,350 |
| Net loans and leases to deposits | 62.1044% | 5,485 |
| Net loans and leases to core deposits | 63.3481% | 5,799 |
| Total domestic deposits to total assets | 86.4653% | 3,258 |
| Equity capital to assets | 10.0669% | 3,694 |
| Core capital (leverage) ratio | 10.1479% | 2,980 |
| Tier 1 risk-based capital ratio | 15.0339% | 3,405 |
| Total risk-based capital ratio | 15.1597% | 4,107 |
| Memoranda: | ||
| Average total assets | $106,433,000 | 4,825 |
| Average earning assets | $100,859,000 | 4,716 |
| Average equity | $10,676,000 | 4,874 |
| Average total loans | $56,977,500 | 5,132 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1889% | 6,942 |
| Cost of funding earning assets | 1.0111% | 5,637 |
| Net interest margin | 3.1778% | 6,322 |
| Noninterest income to average assets | 0.3574% | 5,252 |
| Noninterest expense to average assets | 2.1520% | 6,724 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.2291% | 1,345 |
| Return on assets (ROA) | 1.2291% | 1,418 |
| Pretax return on assets | 1.2291% | 2,143 |
| Return on Equity (ROE) | 11.9331% | 1,328 |
| Retained earnings to average equity (ytd only) | 0.3050% | 5,430 |
| Net charge-offs to loans | 0.0106% | 6,725 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 208.6667% | 119 |
| Efficiency ratio | 63.6469% | 5,412 |
| Assets per employee ($millions) | 5.8696% | 1,303 |
| Cash dividends to net income (ytd only)* | 97.4441% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1563% | 7,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 53.1996% | 5,753 |
| Net loans and leases to deposits | 59.9810% | 6,061 |
| Net loans and leases to core deposits | 61.5711% | 6,269 |
| Total domestic deposits to total assets | 88.6941% | 1,825 |
| Equity capital to assets | 9.9940% | 3,746 |
| Core capital (leverage) ratio | 9.7587% | 3,367 |
| Tier 1 risk-based capital ratio | 15.0625% | 3,203 |
| Total risk-based capital ratio | 15.1916% | 3,873 |
| Memoranda: | ||
| Average total assets | $101,859,600 | 4,929 |
| Average earning assets | $96,922,000 | 4,807 |
| Average equity | $10,491,800 | 4,987 |
| Average total loans | $56,616,600 | 5,207 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2383% | 7,043 |
| Cost of funding earning assets | 1.0302% | 5,798 |
| Net interest margin | 3.2082% | 6,313 |
| Noninterest income to average assets | 0.3594% | 5,293 |
| Noninterest expense to average assets | 2.0083% | 7,035 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4124% | 1,081 |
| Return on assets (ROA) | 1.4124% | 1,156 |
| Pretax return on assets | 1.4124% | 1,847 |
| Return on Equity (ROE) | 13.6067% | 1,119 |
| Retained earnings to average equity (ytd only) | 2.1511% | 4,886 |
| Net charge-offs to loans | 0.0141% | 6,474 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 178.1625% | 181 |
| Efficiency ratio | 58.7099% | 6,161 |
| Assets per employee ($millions) | 5.7901% | 1,401 |
| Cash dividends to net income (ytd only)* | 84.1907% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1551% | 7,654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 54.3585% | 5,793 |
| Net loans and leases to deposits | 62.1284% | 6,103 |
| Net loans and leases to core deposits | 64.2499% | 6,279 |
| Total domestic deposits to total assets | 87.4939% | 2,263 |
| Equity capital to assets | 10.6437% | 3,356 |
| Core capital (leverage) ratio | 10.3344% | 2,877 |
| Tier 1 risk-based capital ratio | 15.3264% | 3,088 |
| Total risk-based capital ratio | 15.4560% | 3,658 |
| Memoranda: | ||
| Average total assets | $100,911,250 | 5,016 |
| Average earning assets | $96,293,250 | 4,881 |
| Average equity | $10,475,000 | 5,062 |
| Average total loans | $56,697,000 | 5,285 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 7,080 |
| Cost of funding earning assets | 1.0499% | 5,915 |
| Net interest margin | 3.2294% | 6,222 |
| Noninterest income to average assets | 0.3387% | 5,437 |
| Noninterest expense to average assets | 2.0099% | 7,091 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4167% | 1,067 |
| Return on assets (ROA) | 1.4167% | 1,132 |
| Pretax return on assets | 1.4167% | 1,791 |
| Return on Equity (ROE) | 13.7696% | 1,083 |
| Retained earnings to average equity (ytd only) | 2.5708% | 4,509 |
| Net charge-offs to loans | 0.0035% | 6,331 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 707.0000% | 42 |
| Efficiency ratio | 58.6550% | 6,285 |
| Assets per employee ($millions) | 6.0210% | 1,215 |
| Cash dividends to net income (ytd only)* | 81.3296% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1610% | 7,723 |
| Loan loss allowance to noncurrent loans | 357.6923% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 7,340 |
| Noncurrent loans to loans | 0.0450% | 7,202 |
| Net loans and leases to total assets | 56.3449% | 5,650 |
| Net loans and leases to deposits | 64.7015% | 5,952 |
| Net loans and leases to core deposits | 66.1919% | 6,229 |
| Total domestic deposits to total assets | 87.0844% | 2,487 |
| Equity capital to assets | 10.4272% | 3,497 |
| Core capital (leverage) ratio | 10.5121% | 2,624 |
| Tier 1 risk-based capital ratio | 15.5568% | 2,867 |
| Total risk-based capital ratio | 15.6964% | 3,441 |
| Memoranda: | ||
| Average total assets | $99,808,000 | 5,081 |
| Average earning assets | $95,436,000 | 4,946 |
| Average equity | $10,269,000 | 5,125 |
| Average total loans | $56,682,330 | 5,325 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3098% | 7,119 |
| Cost of funding earning assets | 1.0743% | 6,021 |
| Net interest margin | 3.2356% | 6,176 |
| Noninterest income to average assets | 0.3451% | 5,380 |
| Noninterest expense to average assets | 1.9892% | 7,178 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4493% | 986 |
| Return on assets (ROA) | 1.4493% | 1,059 |
| Pretax return on assets | 1.4493% | 1,638 |
| Return on Equity (ROE) | 14.1850% | 1,020 |
| Retained earnings to average equity (ytd only) | 0.4768% | 5,644 |
| Net charge-offs to loans | 0.0071% | 5,499 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 357.0000% | 76 |
| Efficiency ratio | 57.8512% | 6,509 |
| Assets per employee ($millions) | 5.9838% | 1,268 |
| Cash dividends to net income (ytd only)* | 96.6387% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1609% | 7,822 |
| Loan loss allowance to noncurrent loans | 1,860.0000% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 7,492 |
| Noncurrent loans to loans | 0.0087% | 7,400 |
| Net loans and leases to total assets | 56.7166% | 5,651 |
| Net loans and leases to deposits | 64.9265% | 5,954 |
| Net loans and leases to core deposits | 66.8966% | 6,217 |
| Total domestic deposits to total assets | 87.3551% | 2,434 |
| Equity capital to assets | 9.9592% | 3,919 |
| Core capital (leverage) ratio | 10.5588% | 2,566 |
| Tier 1 risk-based capital ratio | 15.3679% | 2,935 |
| Total risk-based capital ratio | 15.5073% | 3,477 |
| Memoranda: | ||
| Average total assets | $98,533,500 | 5,191 |
| Average earning assets | $94,203,000 | 5,043 |
| Average equity | $10,067,000 | 5,220 |
| Average total loans | $56,140,500 | 5,416 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6508% | 7,211 |
| Cost of funding earning assets | 1.2578% | 6,447 |
| Net interest margin | 3.3930% | 5,395 |
| Noninterest income to average assets | 0.3401% | 5,655 |
| Noninterest expense to average assets | 2.3411% | 6,627 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2249% | 1,187 |
| Return on assets (ROA) | 1.2249% | 1,242 |
| Pretax return on assets | 1.2249% | 1,891 |
| Return on Equity (ROE) | 11.1984% | 1,379 |
| Retained earnings to average equity (ytd only) | 3.2080% | 2,914 |
| Net charge-offs to loans | 0.0112% | 7,076 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 189.6667% | 146 |
| Efficiency ratio | 65.6505% | 5,462 |
| Assets per employee ($millions) | 5.6084% | 1,549 |
| Cash dividends to net income (ytd only)* | 71.3533% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1725% | 7,892 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 57.0567% | 5,809 |
| Net loans and leases to deposits | 63.7992% | 6,295 |
| Net loans and leases to core deposits | 72.5484% | 6,614 |
| Total domestic deposits to total assets | 89.4317% | 1,251 |
| Equity capital to assets | 10.4917% | 3,188 |
| Core capital (leverage) ratio | 10.6316% | 2,483 |
| Tier 1 risk-based capital ratio | 16.2417% | 2,417 |
| Total risk-based capital ratio | 16.3909% | 2,831 |
| Memoranda: | ||
| Average total assets | $92,904,000 | 5,305 |
| Average earning assets | $88,328,200 | 5,176 |
| Average equity | $10,162,200 | 5,252 |
| Average total loans | $53,795,600 | 5,516 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7772% | 7,156 |
| Cost of funding earning assets | 1.2926% | 6,581 |
| Net interest margin | 3.4845% | 4,927 |
| Noninterest income to average assets | 0.3366% | 5,796 |
| Noninterest expense to average assets | 2.1915% | 7,001 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4591% | 902 |
| Return on assets (ROA) | 1.4591% | 959 |
| Pretax return on assets | 1.4591% | 1,525 |
| Return on Equity (ROE) | 13.1997% | 1,070 |
| Retained earnings to average equity (ytd only) | 2.9144% | 3,692 |
| Net charge-offs to loans | 0.0099% | 6,799 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 252.6510% | 149 |
| Efficiency ratio | 60.0317% | 6,409 |
| Assets per employee ($millions) | 5.5434% | 1,572 |
| Cash dividends to net income (ytd only)* | 77.9212% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1773% | 7,986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 57.3660% | 5,983 |
| Net loans and leases to deposits | 64.6535% | 6,433 |
| Net loans and leases to core deposits | 73.5981% | 6,749 |
| Total domestic deposits to total assets | 88.7284% | 1,327 |
| Equity capital to assets | 10.8365% | 3,180 |
| Core capital (leverage) ratio | 10.8086% | 2,558 |
| Tier 1 risk-based capital ratio | 16.2308% | 2,545 |
| Total risk-based capital ratio | 16.3845% | 2,918 |
| Memoranda: | ||
| Average total assets | $92,294,500 | 5,356 |
| Average earning assets | $87,776,500 | 5,239 |
| Average equity | $10,202,000 | 5,286 |
| Average total loans | $53,621,250 | 5,567 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8238% | 7,184 |
| Cost of funding earning assets | 1.3487% | 6,654 |
| Net interest margin | 3.4751% | 4,916 |
| Noninterest income to average assets | 0.3383% | 5,811 |
| Noninterest expense to average assets | 2.2325% | 6,967 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4119% | 1,003 |
| Return on assets (ROA) | 1.4119% | 1,067 |
| Pretax return on assets | 1.4119% | 1,689 |
| Return on Equity (ROE) | 12.6879% | 1,245 |
| Retained earnings to average equity (ytd only) | 7.8442% | 1,262 |
| Net charge-offs to loans | 0.0150% | 6,325 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 161.7500% | 253 |
| Efficiency ratio | 61.2575% | 6,358 |
| Assets per employee ($millions) | 5.4851% | 1,595 |
| Cash dividends to net income (ytd only)* | 38.1762% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1754% | 8,080 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 58.5902% | 5,889 |
| Net loans and leases to deposits | 66.1657% | 6,376 |
| Net loans and leases to core deposits | 73.3723% | 6,825 |
| Total domestic deposits to total assets | 88.5507% | 1,506 |
| Equity capital to assets | 11.1061% | 2,829 |
| Core capital (leverage) ratio | 11.3720% | 2,151 |
| Tier 1 risk-based capital ratio | 16.4741% | 2,455 |
| Total risk-based capital ratio | 16.6275% | 2,792 |
| Memoranda: | ||
| Average total assets | $91,647,000 | 5,414 |
| Average earning assets | $87,192,330 | 5,292 |
| Average equity | $10,198,670 | 5,304 |
| Average total loans | $53,443,000 | 5,621 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8150% | 7,350 |
| Cost of funding earning assets | 1.4140% | 6,686 |
| Net interest margin | 3.4010% | 5,138 |
| Noninterest income to average assets | 0.3390% | 5,744 |
| Noninterest expense to average assets | 2.0914% | 7,137 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4882% | 962 |
| Return on assets (ROA) | 1.4882% | 1,032 |
| Pretax return on assets | 1.4882% | 1,703 |
| Return on Equity (ROE) | 13.3597% | 1,303 |
| Retained earnings to average equity (ytd only) | 11.3834% | 908 |
| Net charge-offs to loans | 0.0303% | 5,098 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 84.5000% | 500 |
| Efficiency ratio | 58.4256% | 6,632 |
| Assets per employee ($millions) | 4.7803% | 2,321 |
| Cash dividends to net income (ytd only)* | 14.7929% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1798% | 8,126 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 58.6781% | 5,850 |
| Net loans and leases to deposits | 66.3079% | 6,349 |
| Net loans and leases to core deposits | 72.7348% | 6,875 |
| Total domestic deposits to total assets | 88.4934% | 1,492 |
| Equity capital to assets | 11.2974% | 2,721 |
| Core capital (leverage) ratio | 11.3364% | 2,253 |
| Tier 1 risk-based capital ratio | 16.8020% | 2,404 |
| Total risk-based capital ratio | 16.9602% | 2,719 |
| Memoranda: | ||
| Average total assets | $90,847,500 | 5,457 |
| Average earning assets | $86,563,000 | 5,332 |
| Average equity | $10,120,000 | 5,349 |
| Average total loans | $52,800,000 | 5,676 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6580% | 6,909 |
| Cost of funding earning assets | 2.0408% | 6,280 |
| Net interest margin | 3.6171% | 4,805 |
| Noninterest income to average assets | 0.3497% | 5,932 |
| Noninterest expense to average assets | 2.3103% | 6,664 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4702% | 1,077 |
| Return on assets (ROA) | 1.4702% | 1,037 |
| Pretax return on assets | 1.4702% | 1,765 |
| Return on Equity (ROE) | 13.6414% | 1,174 |
| Retained earnings to average equity (ytd only) | 1.7378% | 4,172 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1111% | 6,137 |
| Assets per employee ($millions) | 4.7826% | 2,201 |
| Cash dividends to net income (ytd only)* | 87.2607% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1915% | 8,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 57.3452% | 6,298 |
| Net loans and leases to deposits | 64.5017% | 6,757 |
| Net loans and leases to core deposits | 70.8349% | 7,142 |
| Total domestic deposits to total assets | 88.9049% | 1,085 |
| Equity capital to assets | 10.9817% | 3,053 |
| Core capital (leverage) ratio | 10.5523% | 2,936 |
| Tier 1 risk-based capital ratio | 16.5387% | 2,471 |
| Total risk-based capital ratio | 16.7056% | 2,798 |
| Memoranda: | ||
| Average total assets | $92,368,600 | 5,279 |
| Average earning assets | $87,611,200 | 5,163 |
| Average equity | $9,955,000 | 5,427 |
| Average total loans | $48,091,600 | 5,784 |