Home > Citizens' Bank of Charleston > Performance and Condition Ratios
Citizens' Bank of Charleston, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7301% | 898 |
| Cost of funding earning assets | 0.9265% | 3,465 |
| Net interest margin | 4.8036% | 413 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.1727% | 3,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.1919% | 343 |
| Return on assets (ROA) | 2.1919% | 334 |
| Pretax return on assets | 2.8566% | 235 |
| Return on Equity (ROE) | 13.0400% | 1,719 |
| Retained earnings to average equity (ytd only) | 9.5582% | 1,122 |
| Net charge-offs to loans | 0.0098% | 2,291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 459.0909% | 312 |
| Efficiency ratio | 43.2010% | 4,281 |
| Assets per employee ($millions) | 7.8938% | 1,493 |
| Cash dividends to net income (ytd only)* | 26.6839% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 1,212 |
| Loan loss allowance to noncurrent loans | 324.6602% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 1,770 |
| Noncurrent loans to loans | 0.4456% | 1,664 |
| Net loans and leases to total assets | 65.5800% | 2,300 |
| Net loans and leases to deposits | 80.0547% | 2,102 |
| Net loans and leases to core deposits | 85.8941% | 2,314 |
| Total domestic deposits to total assets | 81.9200% | 3,140 |
| Equity capital to assets | 17.8386% | 355 |
| Core capital (leverage) ratio | 17.9108% | 348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $176,785,200 | 3,153 |
| Average earning assets | $167,832,000 | 3,116 |
| Average equity | $29,723,200 | 2,270 |
| Average total loans | $112,812,600 | 3,022 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6422% | 860 |
| Cost of funding earning assets | 0.8186% | 3,478 |
| Net interest margin | 4.8237% | 400 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 1.8697% | 3,853 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.4426% | 282 |
| Return on assets (ROA) | 2.4426% | 277 |
| Pretax return on assets | 3.1672% | 204 |
| Return on Equity (ROE) | 14.7500% | 1,498 |
| Retained earnings to average equity (ytd only) | 14.7478% | 586 |
| Net charge-offs to loans | 0.0071% | 2,177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 703.0000% | 226 |
| Efficiency ratio | 37.1199% | 4,427 |
| Assets per employee ($millions) | 7.7842% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 1,551 |
| Loan loss allowance to noncurrent loans | 259.4427% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 1,523 |
| Noncurrent loans to loans | 0.5305% | 1,496 |
| Net loans and leases to total assets | 70.1300% | 1,812 |
| Net loans and leases to deposits | 85.7689% | 1,597 |
| Net loans and leases to core deposits | 91.2702% | 1,844 |
| Total domestic deposits to total assets | 81.7600% | 3,259 |
| Equity capital to assets | 17.9191% | 346 |
| Core capital (leverage) ratio | 18.1619% | 342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $177,565,750 | 3,151 |
| Average earning assets | $168,746,750 | 3,114 |
| Average equity | $29,409,250 | 2,277 |
| Average total loans | $112,124,500 | 3,036 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4804% | 856 |
| Cost of funding earning assets | 0.7160% | 3,439 |
| Net interest margin | 4.7644% | 420 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 1.8412% | 3,925 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.4077% | 267 |
| Return on assets (ROA) | 2.4077% | 263 |
| Pretax return on assets | 3.1257% | 186 |
| Return on Equity (ROE) | 14.9300% | 1,486 |
| Retained earnings to average equity (ytd only) | 14.9258% | 571 |
| Net charge-offs to loans | 0.0129% | 1,712 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 401.1429% | 360 |
| Efficiency ratio | 37.0686% | 4,449 |
| Assets per employee ($millions) | 8.0092% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 1,444 |
| Loan loss allowance to noncurrent loans | 481.6092% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 2,203 |
| Noncurrent loans to loans | 0.2953% | 2,078 |
| Net loans and leases to total assets | 65.9200% | 2,163 |
| Net loans and leases to deposits | 79.6354% | 2,009 |
| Net loans and leases to core deposits | 84.5282% | 2,176 |
| Total domestic deposits to total assets | 82.7800% | 3,094 |
| Equity capital to assets | 16.9476% | 392 |
| Core capital (leverage) ratio | 17.4224% | 377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $179,670,000 | 3,139 |
| Average earning assets | $170,681,333 | 3,100 |
| Average equity | $28,983,333 | 2,309 |
| Average total loans | $108,908,333 | 3,063 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3052% | 826 |
| Cost of funding earning assets | 0.5825% | 3,432 |
| Net interest margin | 4.7226% | 425 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 1.7552% | 4,106 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4851% | 245 |
| Return on assets (ROA) | 2.4851% | 243 |
| Pretax return on assets | 3.2237% | 171 |
| Return on Equity (ROE) | 15.7900% | 1,404 |
| Retained earnings to average equity (ytd only) | 15.7932% | 711 |
| Net charge-offs to loans | 0.0038% | 1,851 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1,462.0000% | 60 |
| Efficiency ratio | 35.2524% | 4,554 |
| Assets per employee ($millions) | 8.3670% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6293% | 953 |
| Loan loss allowance to noncurrent loans | 556.6225% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 2,360 |
| Noncurrent loans to loans | 0.2927% | 2,092 |
| Net loans and leases to total assets | 55.1400% | 3,106 |
| Net loans and leases to deposits | 65.7738% | 2,955 |
| Net loans and leases to core deposits | 68.8663% | 3,031 |
| Total domestic deposits to total assets | 83.8300% | 3,126 |
| Equity capital to assets | 15.8464% | 419 |
| Core capital (leverage) ratio | 15.8067% | 486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $181,404,000 | 3,166 |
| Average earning assets | $173,039,000 | 3,121 |
| Average equity | $28,544,000 | 2,357 |
| Average total loans | $104,446,000 | 3,155 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8628% | 2,082 |
| Cost of funding earning assets | 0.3073% | 2,817 |
| Net interest margin | 3.5555% | 1,768 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.9533% | 3,704 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4541% | 995 |
| Return on assets (ROA) | 1.4541% | 952 |
| Pretax return on assets | 1.8725% | 624 |
| Return on Equity (ROE) | 9.1400% | 3,088 |
| Retained earnings to average equity (ytd only) | 6.1205% | 2,602 |
| Net charge-offs to loans | 0.0986% | 741 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 32.7778% | 1,640 |
| Efficiency ratio | 51.0558% | 4,061 |
| Assets per employee ($millions) | 7.7711% | 1,450 |
| Cash dividends to net income (ytd only)* | 33.0556% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5910% | 993 |
| Loan loss allowance to noncurrent loans | 471.1485% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 2,175 |
| Noncurrent loans to loans | 0.3377% | 1,942 |
| Net loans and leases to total assets | 58.2100% | 2,803 |
| Net loans and leases to deposits | 69.1241% | 2,660 |
| Net loans and leases to core deposits | 72.2893% | 2,701 |
| Total domestic deposits to total assets | 84.2100% | 3,158 |
| Equity capital to assets | 15.6203% | 416 |
| Core capital (leverage) ratio | 16.4156% | 418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $173,300,600 | 3,248 |
| Average earning assets | $165,656,800 | 3,197 |
| Average equity | $27,563,000 | 2,448 |
| Average total loans | $100,443,800 | 3,145 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6023% | 2,338 |
| Cost of funding earning assets | 0.2864% | 2,316 |
| Net interest margin | 3.3160% | 2,251 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 1.7602% | 4,053 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3981% | 1,098 |
| Return on assets (ROA) | 1.3981% | 1,068 |
| Pretax return on assets | 1.8130% | 712 |
| Return on Equity (ROE) | 8.7500% | 3,101 |
| Retained earnings to average equity (ytd only) | 8.7499% | 1,741 |
| Net charge-offs to loans | 0.0350% | 1,160 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 89.9231% | 994 |
| Efficiency ratio | 49.2622% | 4,201 |
| Assets per employee ($millions) | 7.6963% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6084% | 1,046 |
| Loan loss allowance to noncurrent loans | 383.1878% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.2823% | 1,823 |
| Noncurrent loans to loans | 0.4197% | 1,762 |
| Net loans and leases to total assets | 63.4100% | 2,151 |
| Net loans and leases to deposits | 76.0855% | 1,871 |
| Net loans and leases to core deposits | 79.0502% | 1,968 |
| Total domestic deposits to total assets | 83.3400% | 3,637 |
| Equity capital to assets | 16.4477% | 350 |
| Core capital (leverage) ratio | 16.8432% | 383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $171,942,000 | 3,283 |
| Average earning assets | $164,814,500 | 3,230 |
| Average equity | $27,474,000 | 2,490 |
| Average total loans | $99,124,750 | 3,167 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2346% | 2,942 |
| Cost of funding earning assets | 0.2844% | 1,855 |
| Net interest margin | 2.9502% | 3,034 |
| Noninterest income to average assets | 0.3970% | 2,779 |
| Noninterest expense to average assets | 1.7035% | 4,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1793% | 1,500 |
| Return on assets (ROA) | 1.1793% | 1,476 |
| Pretax return on assets | 1.5265% | 1,108 |
| Return on Equity (ROE) | 7.4518% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.4518% | 1,831 |
| Net charge-offs to loans | 0.0376% | 1,008 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 73.2778% | 979 |
| Efficiency ratio | 52.7410% | 4,070 |
| Assets per employee ($millions) | 7.7839% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7350% | 902 |
| Loan loss allowance to noncurrent loans | 426.8765% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 2,050 |
| Noncurrent loans to loans | 0.4064% | 1,910 |
| Net loans and leases to total assets | 58.3079% | 2,500 |
| Net loans and leases to deposits | 69.6795% | 2,245 |
| Net loans and leases to core deposits | 72.1955% | 2,319 |
| Total domestic deposits to total assets | 83.6802% | 3,749 |
| Equity capital to assets | 16.1353% | 324 |
| Core capital (leverage) ratio | 16.0276% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,816,333 | 3,311 |
| Average earning assets | $165,957,000 | 3,259 |
| Average equity | $27,349,000 | 2,563 |
| Average total loans | $95,794,000 | 3,243 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9215% | 3,479 |
| Cost of funding earning assets | 0.2938% | 1,712 |
| Net interest margin | 2.6277% | 3,596 |
| Noninterest income to average assets | 0.3641% | 2,910 |
| Noninterest expense to average assets | 1.6267% | 4,256 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9839% | 1,950 |
| Return on assets (ROA) | 0.9839% | 1,946 |
| Pretax return on assets | 1.2719% | 1,591 |
| Return on Equity (ROE) | 6.2776% | 3,259 |
| Retained earnings to average equity (ytd only) | 6.2776% | 2,147 |
| Net charge-offs to loans | 0.0517% | 774 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 952 |
| Efficiency ratio | 56.1208% | 3,868 |
| Assets per employee ($millions) | 8.1658% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9508% | 676 |
| Loan loss allowance to noncurrent loans | 440.0498% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 2,311 |
| Noncurrent loans to loans | 0.4433% | 1,921 |
| Net loans and leases to total assets | 49.4926% | 3,228 |
| Net loans and leases to deposits | 58.4478% | 3,037 |
| Net loans and leases to core deposits | 60.3264% | 3,113 |
| Total domestic deposits to total assets | 84.6783% | 3,618 |
| Equity capital to assets | 15.1837% | 380 |
| Core capital (leverage) ratio | 14.7755% | 466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,601,500 | 3,318 |
| Average earning assets | $167,447,000 | 3,254 |
| Average equity | $27,208,000 | 2,647 |
| Average total loans | $92,884,500 | 3,285 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5185% | 2,605 |
| Cost of funding earning assets | 0.3570% | 1,878 |
| Net interest margin | 3.1615% | 2,704 |
| Noninterest income to average assets | 0.4776% | 2,688 |
| Noninterest expense to average assets | 1.9048% | 3,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2342% | 1,796 |
| Return on assets (ROA) | 1.2342% | 1,858 |
| Pretax return on assets | 1.5938% | 1,443 |
| Return on Equity (ROE) | 7.4729% | 3,382 |
| Retained earnings to average equity (ytd only) | 4.4807% | 3,015 |
| Net charge-offs to loans | -0.0436% | 4,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4448% | 3,885 |
| Assets per employee ($millions) | 7.6162% | 1,547 |
| Cash dividends to net income (ytd only)* | 40.0398% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8730% | 764 |
| Loan loss allowance to noncurrent loans | 433.3333% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 2,333 |
| Noncurrent loans to loans | 0.4322% | 2,061 |
| Net loans and leases to total assets | 55.6871% | 2,654 |
| Net loans and leases to deposits | 66.5965% | 2,452 |
| Net loans and leases to core deposits | 69.0044% | 2,548 |
| Total domestic deposits to total assets | 83.6186% | 3,656 |
| Equity capital to assets | 16.1970% | 358 |
| Core capital (leverage) ratio | 16.3213% | 333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,692,400 | 3,370 |
| Average earning assets | $155,462,400 | 3,322 |
| Average equity | $26,870,600 | 2,733 |
| Average total loans | $93,955,800 | 3,277 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5894% | 2,588 |
| Cost of funding earning assets | 0.3757% | 1,892 |
| Net interest margin | 3.2137% | 2,689 |
| Noninterest income to average assets | 0.4236% | 2,957 |
| Noninterest expense to average assets | 1.7282% | 4,288 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3624% | 1,649 |
| Return on assets (ROA) | 1.3624% | 1,706 |
| Pretax return on assets | 1.7604% | 1,257 |
| Return on Equity (ROE) | 8.2077% | 3,342 |
| Retained earnings to average equity (ytd only) | 8.2077% | 1,991 |
| Net charge-offs to loans | -0.0697% | 4,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5385% | 4,261 |
| Assets per employee ($millions) | 7.3505% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8246% | 888 |
| Loan loss allowance to noncurrent loans | 338.8258% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 2,150 |
| Noncurrent loans to loans | 0.5385% | 1,968 |
| Net loans and leases to total assets | 59.5247% | 2,318 |
| Net loans and leases to deposits | 72.0041% | 2,054 |
| Net loans and leases to core deposits | 74.7310% | 2,170 |
| Total domestic deposits to total assets | 82.6685% | 3,783 |
| Equity capital to assets | 17.0799% | 331 |
| Core capital (leverage) ratio | 16.7107% | 336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,476,500 | 3,415 |
| Average earning assets | $154,004,750 | 3,365 |
| Average equity | $26,803,500 | 2,771 |
| Average total loans | $93,672,750 | 3,325 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5891% | 2,661 |
| Cost of funding earning assets | 0.3910% | 1,961 |
| Net interest margin | 3.1981% | 2,765 |
| Noninterest income to average assets | 0.4436% | 2,881 |
| Noninterest expense to average assets | 1.6952% | 4,368 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3928% | 1,581 |
| Return on assets (ROA) | 1.3928% | 1,654 |
| Pretax return on assets | 1.7993% | 1,237 |
| Return on Equity (ROE) | 8.4730% | 3,267 |
| Retained earnings to average equity (ytd only) | 8.4730% | 1,907 |
| Net charge-offs to loans | -0.1215% | 4,682 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5106% | 4,354 |
| Assets per employee ($millions) | 7.4628% | 1,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8865% | 755 |
| Loan loss allowance to noncurrent loans | 364.3002% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 2,275 |
| Noncurrent loans to loans | 0.5179% | 2,119 |
| Net loans and leases to total assets | 56.8915% | 2,794 |
| Net loans and leases to deposits | 68.3365% | 2,585 |
| Net loans and leases to core deposits | 70.8596% | 2,701 |
| Total domestic deposits to total assets | 83.2520% | 3,653 |
| Equity capital to assets | 16.5031% | 374 |
| Core capital (leverage) ratio | 16.4703% | 341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,398,333 | 3,423 |
| Average earning assets | $153,967,333 | 3,375 |
| Average equity | $26,531,333 | 2,781 |
| Average total loans | $92,214,667 | 3,368 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5814% | 2,699 |
| Cost of funding earning assets | 0.4263% | 1,890 |
| Net interest margin | 3.1551% | 2,825 |
| Noninterest income to average assets | 0.4975% | 2,625 |
| Noninterest expense to average assets | 1.8049% | 4,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3099% | 1,794 |
| Return on assets (ROA) | 1.3099% | 1,877 |
| Pretax return on assets | 1.6899% | 1,515 |
| Return on Equity (ROE) | 7.9849% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.9849% | 2,245 |
| Net charge-offs to loans | -0.0176% | 3,933 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6452% | 4,033 |
| Assets per employee ($millions) | 7.4493% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9479% | 668 |
| Loan loss allowance to noncurrent loans | 338.6408% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 2,571 |
| Noncurrent loans to loans | 0.5752% | 2,130 |
| Net loans and leases to total assets | 53.5665% | 3,282 |
| Net loans and leases to deposits | 64.1296% | 3,113 |
| Net loans and leases to core deposits | 67.5415% | 3,100 |
| Total domestic deposits to total assets | 83.5286% | 3,562 |
| Equity capital to assets | 16.1718% | 372 |
| Core capital (leverage) ratio | 16.1360% | 371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,007,000 | 3,435 |
| Average earning assets | $152,007,500 | 3,396 |
| Average equity | $26,249,500 | 2,786 |
| Average total loans | $90,721,500 | 3,398 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2923% | 1,888 |
| Cost of funding earning assets | 0.6290% | 2,127 |
| Net interest margin | 3.6633% | 1,932 |
| Noninterest income to average assets | 0.4373% | 2,925 |
| Noninterest expense to average assets | 2.0904% | 3,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4050% | 1,008 |
| Return on assets (ROA) | 1.4050% | 1,095 |
| Pretax return on assets | 1.8197% | 659 |
| Return on Equity (ROE) | 7.9927% | 2,824 |
| Retained earnings to average equity (ytd only) | 4.9711% | 2,284 |
| Net charge-offs to loans | 0.0667% | 1,825 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 42.1429% | 1,338 |
| Efficiency ratio | 53.4619% | 4,260 |
| Assets per employee ($millions) | 6.7883% | 1,720 |
| Cash dividends to net income (ytd only)* | 37.8049% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8931% | 738 |
| Loan loss allowance to noncurrent loans | 419.2771% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 2,817 |
| Noncurrent loans to loans | 0.4515% | 2,619 |
| Net loans and leases to total assets | 57.7544% | 3,110 |
| Net loans and leases to deposits | 69.5589% | 2,934 |
| Net loans and leases to core deposits | 74.4706% | 2,869 |
| Total domestic deposits to total assets | 83.0295% | 3,403 |
| Equity capital to assets | 16.6502% | 368 |
| Core capital (leverage) ratio | 17.5757% | 278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,903,200 | 3,446 |
| Average earning assets | $138,318,800 | 3,404 |
| Average equity | $25,648,400 | 2,758 |
| Average total loans | $94,436,200 | 3,330 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3717% | 1,921 |
| Cost of funding earning assets | 0.6694% | 2,203 |
| Net interest margin | 3.7023% | 1,933 |
| Noninterest income to average assets | 0.3897% | 3,133 |
| Noninterest expense to average assets | 1.9040% | 4,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.5580% | 797 |
| Return on assets (ROA) | 1.5580% | 876 |
| Pretax return on assets | 2.0044% | 512 |
| Return on Equity (ROE) | 8.7369% | 2,509 |
| Retained earnings to average equity (ytd only) | 8.7369% | 1,062 |
| Net charge-offs to loans | 0.0435% | 2,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 69.5161% | 1,000 |
| Efficiency ratio | 48.7149% | 4,571 |
| Assets per employee ($millions) | 6.9805% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7788% | 763 |
| Loan loss allowance to noncurrent loans | 295.8264% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 2,338 |
| Noncurrent loans to loans | 0.6013% | 2,300 |
| Net loans and leases to total assets | 70.0836% | 1,940 |
| Net loans and leases to deposits | 86.9267% | 1,598 |
| Net loans and leases to core deposits | 92.0312% | 1,795 |
| Total domestic deposits to total assets | 80.6237% | 3,748 |
| Equity capital to assets | 18.9092% | 242 |
| Core capital (leverage) ratio | 18.0738% | 275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,346,500 | 3,461 |
| Average earning assets | $136,235,750 | 3,407 |
| Average equity | $25,561,500 | 2,757 |
| Average total loans | $95,067,250 | 3,325 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 2,179 |
| Cost of funding earning assets | 0.6913% | 2,438 |
| Net interest margin | 3.7199% | 2,097 |
| Noninterest income to average assets | 0.3956% | 3,110 |
| Noninterest expense to average assets | 1.8148% | 4,541 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6432% | 688 |
| Return on assets (ROA) | 1.6432% | 749 |
| Pretax return on assets | 2.1163% | 422 |
| Return on Equity (ROE) | 9.3979% | 2,201 |
| Retained earnings to average equity (ytd only) | 9.3979% | 913 |
| Net charge-offs to loans | 0.0428% | 1,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 76.5000% | 835 |
| Efficiency ratio | 46.1647% | 4,717 |
| Assets per employee ($millions) | 6.9285% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8235% | 624 |
| Loan loss allowance to noncurrent loans | 292.7750% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 2,521 |
| Noncurrent loans to loans | 0.6228% | 2,302 |
| Net loans and leases to total assets | 65.9782% | 2,632 |
| Net loans and leases to deposits | 80.8689% | 2,334 |
| Net loans and leases to core deposits | 85.5954% | 2,475 |
| Total domestic deposits to total assets | 81.5867% | 3,476 |
| Equity capital to assets | 17.8188% | 315 |
| Core capital (leverage) ratio | 17.6170% | 310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,592,333 | 3,432 |
| Average earning assets | $137,423,667 | 3,383 |
| Average equity | $25,282,333 | 2,759 |
| Average total loans | $93,551,333 | 3,344 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 2,470 |
| Cost of funding earning assets | 0.7169% | 2,861 |
| Net interest margin | 3.7252% | 2,235 |
| Noninterest income to average assets | 0.4024% | 3,080 |
| Noninterest expense to average assets | 1.8732% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6207% | 598 |
| Return on assets (ROA) | 1.6207% | 659 |
| Pretax return on assets | 2.0619% | 399 |
| Return on Equity (ROE) | 9.3588% | 1,974 |
| Retained earnings to average equity (ytd only) | 9.3588% | 881 |
| Net charge-offs to loans | -0.0262% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6023% | 4,777 |
| Assets per employee ($millions) | 6.9327% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0102% | 493 |
| Loan loss allowance to noncurrent loans | 299.5033% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 2,798 |
| Noncurrent loans to loans | 0.6712% | 2,315 |
| Net loans and leases to total assets | 60.5711% | 3,439 |
| Net loans and leases to deposits | 73.6755% | 3,305 |
| Net loans and leases to core deposits | 78.0996% | 3,348 |
| Total domestic deposits to total assets | 82.2133% | 3,356 |
| Equity capital to assets | 17.3430% | 405 |
| Core capital (leverage) ratio | 17.3882% | 376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,139,500 | 3,409 |
| Average earning assets | $136,692,000 | 3,357 |
| Average equity | $24,960,500 | 2,777 |
| Average total loans | $91,437,000 | 3,369 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 2,037 |
| Cost of funding earning assets | 0.6543% | 3,388 |
| Net interest margin | 4.1479% | 1,433 |
| Noninterest income to average assets | 0.4935% | 2,776 |
| Noninterest expense to average assets | 2.2773% | 4,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6194% | 801 |
| Return on assets (ROA) | 1.6188% | 859 |
| Pretax return on assets | 2.1340% | 439 |
| Return on Equity (ROE) | 9.3020% | 2,608 |
| Retained earnings to average equity (ytd only) | 6.2137% | 1,761 |
| Net charge-offs to loans | 0.0247% | 2,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 134.6818% | 540 |
| Efficiency ratio | 51.6166% | 4,632 |
| Assets per employee ($millions) | 6.7949% | 1,129 |
| Cash dividends to net income (ytd only)* | 33.1998% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9422% | 507 |
| Loan loss allowance to noncurrent loans | 303.1933% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 2,727 |
| Noncurrent loans to loans | 0.6406% | 2,287 |
| Net loans and leases to total assets | 63.8279% | 3,223 |
| Net loans and leases to deposits | 77.5535% | 3,056 |
| Net loans and leases to core deposits | 80.7751% | 3,234 |
| Total domestic deposits to total assets | 82.3019% | 3,420 |
| Equity capital to assets | 17.2903% | 433 |
| Core capital (leverage) ratio | 17.3694% | 381 |
| Tier 1 risk-based capital ratio | 25.1544% | 739 |
| Total risk-based capital ratio | 26.4113% | 724 |
| Memoranda: | ||
| Average total assets | $138,802,800 | 3,455 |
| Average earning assets | $131,127,400 | 3,403 |
| Average equity | $24,156,200 | 2,782 |
| Average total loans | $88,938,600 | 3,423 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7696% | 2,220 |
| Cost of funding earning assets | 0.6297% | 3,535 |
| Net interest margin | 4.1398% | 1,526 |
| Noninterest income to average assets | 0.4440% | 3,058 |
| Noninterest expense to average assets | 1.9956% | 4,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8020% | 616 |
| Return on assets (ROA) | 1.8012% | 650 |
| Pretax return on assets | 2.3584% | 335 |
| Return on Equity (ROE) | 10.3324% | 2,280 |
| Retained earnings to average equity (ytd only) | 10.3324% | 674 |
| Net charge-offs to loans | 0.0076% | 3,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 487.5442% | 205 |
| Efficiency ratio | 45.8241% | 4,942 |
| Assets per employee ($millions) | 6.6367% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9885% | 477 |
| Loan loss allowance to noncurrent loans | 209.4361% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.6235% | 2,132 |
| Noncurrent loans to loans | 0.9495% | 1,698 |
| Net loans and leases to total assets | 64.3642% | 3,250 |
| Net loans and leases to deposits | 78.8359% | 3,026 |
| Net loans and leases to core deposits | 82.3208% | 3,227 |
| Total domestic deposits to total assets | 81.6432% | 3,576 |
| Equity capital to assets | 17.9571% | 393 |
| Core capital (leverage) ratio | 18.0307% | 351 |
| Tier 1 risk-based capital ratio | 25.9074% | 712 |
| Total risk-based capital ratio | 27.1647% | 697 |
| Memoranda: | ||
| Average total assets | $137,830,250 | 3,498 |
| Average earning assets | $130,211,500 | 3,456 |
| Average equity | $24,027,250 | 2,806 |
| Average total loans | $87,952,750 | 3,485 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6697% | 2,452 |
| Cost of funding earning assets | 0.5907% | 3,701 |
| Net interest margin | 4.0791% | 1,675 |
| Noninterest income to average assets | 0.4632% | 2,891 |
| Noninterest expense to average assets | 2.0216% | 4,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7594% | 647 |
| Return on assets (ROA) | 1.7594% | 677 |
| Pretax return on assets | 2.2940% | 363 |
| Return on Equity (ROE) | 10.1967% | 2,292 |
| Retained earnings to average equity (ytd only) | 10.1967% | 703 |
| Net charge-offs to loans | -0.0069% | 4,213 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8444% | 4,947 |
| Assets per employee ($millions) | 7.4072% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1170% | 384 |
| Loan loss allowance to noncurrent loans | 221.0399% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.5876% | 2,254 |
| Noncurrent loans to loans | 0.9577% | 1,702 |
| Net loans and leases to total assets | 60.0567% | 3,726 |
| Net loans and leases to deposits | 72.9191% | 3,608 |
| Net loans and leases to core deposits | 75.8719% | 3,739 |
| Total domestic deposits to total assets | 82.3607% | 3,419 |
| Equity capital to assets | 17.3167% | 435 |
| Core capital (leverage) ratio | 18.0836% | 333 |
| Tier 1 risk-based capital ratio | 26.3801% | 666 |
| Total risk-based capital ratio | 27.6383% | 651 |
| Memoranda: | ||
| Average total assets | $137,316,670 | 3,522 |
| Average earning assets | $129,687,000 | 3,482 |
| Average equity | $23,694,000 | 2,825 |
| Average total loans | $86,762,000 | 3,533 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6498% | 2,376 |
| Cost of funding earning assets | 0.5518% | 3,816 |
| Net interest margin | 4.0980% | 1,554 |
| Noninterest income to average assets | 0.4513% | 2,847 |
| Noninterest expense to average assets | 2.0943% | 4,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7138% | 711 |
| Return on assets (ROA) | 1.7138% | 737 |
| Pretax return on assets | 2.2123% | 438 |
| Return on Equity (ROE) | 9.9505% | 2,394 |
| Retained earnings to average equity (ytd only) | 9.9505% | 1,048 |
| Net charge-offs to loans | -0.0184% | 4,460 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6301% | 4,916 |
| Assets per employee ($millions) | 7.5447% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1703% | 370 |
| Loan loss allowance to noncurrent loans | 239.3979% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 2,390 |
| Noncurrent loans to loans | 0.9065% | 1,845 |
| Net loans and leases to total assets | 60.7098% | 3,636 |
| Net loans and leases to deposits | 74.0770% | 3,443 |
| Net loans and leases to core deposits | 76.9605% | 3,599 |
| Total domestic deposits to total assets | 81.9550% | 3,737 |
| Equity capital to assets | 17.4456% | 398 |
| Core capital (leverage) ratio | 17.4962% | 374 |
| Tier 1 risk-based capital ratio | 25.9399% | 691 |
| Total risk-based capital ratio | 27.1988% | 674 |
| Memoranda: | ||
| Average total assets | $135,606,500 | 3,586 |
| Average earning assets | $127,575,500 | 3,552 |
| Average equity | $23,355,500 | 2,851 |
| Average total loans | $86,968,000 | 3,560 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5937% | 2,149 |
| Cost of funding earning assets | 0.4290% | 3,807 |
| Net interest margin | 4.1647% | 1,491 |
| Noninterest income to average assets | 0.4793% | 2,948 |
| Noninterest expense to average assets | 2.2889% | 4,150 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6162% | 837 |
| Return on assets (ROA) | 1.6162% | 832 |
| Pretax return on assets | 2.1128% | 426 |
| Return on Equity (ROE) | 9.5228% | 2,737 |
| Retained earnings to average equity (ytd only) | 6.3441% | 2,008 |
| Net charge-offs to loans | 0.0056% | 3,507 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 561.6000% | 200 |
| Efficiency ratio | 52.0000% | 4,798 |
| Assets per employee ($millions) | 7.1267% | 925 |
| Cash dividends to net income (ytd only)* | 33.3799% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0355% | 445 |
| Loan loss allowance to noncurrent loans | 239.1874% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.5635% | 2,354 |
| Noncurrent loans to loans | 0.8510% | 1,894 |
| Net loans and leases to total assets | 64.8669% | 3,267 |
| Net loans and leases to deposits | 78.3227% | 3,131 |
| Net loans and leases to core deposits | 81.6439% | 3,288 |
| Total domestic deposits to total assets | 82.8201% | 3,387 |
| Equity capital to assets | 16.9997% | 418 |
| Core capital (leverage) ratio | 17.7087% | 357 |
| Tier 1 risk-based capital ratio | 24.2607% | 804 |
| Total risk-based capital ratio | 25.5181% | 782 |
| Memoranda: | ||
| Average total assets | $132,904,400 | 3,607 |
| Average earning assets | $125,170,200 | 3,572 |
| Average equity | $22,556,400 | 2,857 |
| Average total loans | $88,881,800 | 3,498 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5432% | 2,147 |
| Cost of funding earning assets | 0.4138% | 3,765 |
| Net interest margin | 4.1294% | 1,545 |
| Noninterest income to average assets | 0.4233% | 3,334 |
| Noninterest expense to average assets | 2.0411% | 4,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7579% | 652 |
| Return on assets (ROA) | 1.7579% | 654 |
| Pretax return on assets | 2.2850% | 352 |
| Return on Equity (ROE) | 10.3619% | 2,451 |
| Retained earnings to average equity (ytd only) | 10.3619% | 805 |
| Net charge-offs to loans | 0.0135% | 2,942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 251.8825% | 367 |
| Efficiency ratio | 47.1808% | 5,089 |
| Assets per employee ($millions) | 7.0266% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9313% | 557 |
| Loan loss allowance to noncurrent loans | 250.2747% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.5756% | 2,456 |
| Noncurrent loans to loans | 0.7717% | 2,157 |
| Net loans and leases to total assets | 73.1513% | 2,138 |
| Net loans and leases to deposits | 89.8550% | 1,924 |
| Net loans and leases to core deposits | 94.0273% | 2,284 |
| Total domestic deposits to total assets | 81.4104% | 3,762 |
| Equity capital to assets | 18.3762% | 307 |
| Core capital (leverage) ratio | 18.2625% | 307 |
| Tier 1 risk-based capital ratio | 23.6261% | 876 |
| Total risk-based capital ratio | 24.8826% | 861 |
| Memoranda: | ||
| Average total assets | $132,278,500 | 3,654 |
| Average earning assets | $125,018,000 | 3,609 |
| Average equity | $22,440,750 | 2,879 |
| Average total loans | $88,687,250 | 3,533 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3371% | 2,637 |
| Cost of funding earning assets | 0.4034% | 3,695 |
| Net interest margin | 3.9336% | 2,093 |
| Noninterest income to average assets | 0.4202% | 3,350 |
| Noninterest expense to average assets | 1.9819% | 4,830 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6586% | 788 |
| Return on assets (ROA) | 1.6586% | 797 |
| Pretax return on assets | 2.1578% | 425 |
| Return on Equity (ROE) | 10.0389% | 2,545 |
| Retained earnings to average equity (ytd only) | 10.0389% | 917 |
| Net charge-offs to loans | 0.0876% | 1,467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 38.1053% | 1,336 |
| Efficiency ratio | 47.8762% | 5,126 |
| Assets per employee ($millions) | 7.3623% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0076% | 514 |
| Loan loss allowance to noncurrent loans | 169.6970% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.7969% | 1,879 |
| Noncurrent loans to loans | 1.1830% | 1,465 |
| Net loans and leases to total assets | 66.0046% | 3,154 |
| Net loans and leases to deposits | 79.7866% | 2,972 |
| Net loans and leases to core deposits | 83.2477% | 3,146 |
| Total domestic deposits to total assets | 82.7265% | 3,487 |
| Equity capital to assets | 17.1286% | 391 |
| Core capital (leverage) ratio | 16.9798% | 398 |
| Tier 1 risk-based capital ratio | 23.9670% | 840 |
| Total risk-based capital ratio | 25.2238% | 806 |
| Memoranda: | ||
| Average total assets | $134,211,670 | 3,639 |
| Average earning assets | $126,905,670 | 3,605 |
| Average equity | $22,173,670 | 2,913 |
| Average total loans | $86,802,000 | 3,588 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 2,858 |
| Cost of funding earning assets | 0.3953% | 3,621 |
| Net interest margin | 3.8122% | 2,374 |
| Noninterest income to average assets | 0.4413% | 3,173 |
| Noninterest expense to average assets | 1.9784% | 4,885 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5904% | 878 |
| Return on assets (ROA) | 1.5904% | 881 |
| Pretax return on assets | 2.0614% | 512 |
| Return on Equity (ROE) | 9.8033% | 2,533 |
| Retained earnings to average equity (ytd only) | 9.8033% | 1,221 |
| Net charge-offs to loans | -0.0047% | 3,987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9736% | 5,142 |
| Assets per employee ($millions) | 7.4950% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2320% | 368 |
| Loan loss allowance to noncurrent loans | 215.6655% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 2,432 |
| Noncurrent loans to loans | 1.0349% | 1,770 |
| Net loans and leases to total assets | 59.4500% | 3,800 |
| Net loans and leases to deposits | 71.3273% | 3,675 |
| Net loans and leases to core deposits | 74.1579% | 3,813 |
| Total domestic deposits to total assets | 83.3482% | 3,564 |
| Equity capital to assets | 16.4072% | 454 |
| Core capital (leverage) ratio | 16.2363% | 458 |
| Tier 1 risk-based capital ratio | 26.0738% | 681 |
| Total risk-based capital ratio | 27.3348% | 664 |
| Memoranda: | ||
| Average total assets | $135,057,000 | 3,671 |
| Average earning assets | $127,484,000 | 3,625 |
| Average equity | $21,911,000 | 2,962 |
| Average total loans | $85,572,000 | 3,637 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 1,976 |
| Cost of funding earning assets | 0.3961% | 3,295 |
| Net interest margin | 4.0226% | 1,681 |
| Noninterest income to average assets | 0.5142% | 2,913 |
| Noninterest expense to average assets | 2.1715% | 4,594 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2953% | 1,232 |
| Return on assets (ROA) | 1.2967% | 1,245 |
| Pretax return on assets | 2.1205% | 378 |
| Return on Equity (ROE) | 8.0506% | 2,772 |
| Retained earnings to average equity (ytd only) | 4.8350% | 2,231 |
| Net charge-offs to loans | 0.0158% | 3,564 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 201.8571% | 397 |
| Efficiency ratio | 50.6203% | 5,191 |
| Assets per employee ($millions) | 7.5113% | 763 |
| Cash dividends to net income (ytd only)* | 39.9422% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0537% | 485 |
| Loan loss allowance to noncurrent loans | 205.8493% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.6575% | 2,353 |
| Noncurrent loans to loans | 0.9977% | 1,776 |
| Net loans and leases to total assets | 64.5536% | 3,289 |
| Net loans and leases to deposits | 76.9819% | 3,232 |
| Net loans and leases to core deposits | 80.9736% | 3,339 |
| Total domestic deposits to total assets | 83.8555% | 3,255 |
| Equity capital to assets | 16.0402% | 513 |
| Core capital (leverage) ratio | 16.2993% | 436 |
| Tier 1 risk-based capital ratio | 23.3499% | 877 |
| Total risk-based capital ratio | 24.6079% | 861 |
| Memoranda: | ||
| Average total assets | $133,412,200 | 3,692 |
| Average earning assets | $125,216,000 | 3,662 |
| Average equity | $21,489,200 | 2,994 |
| Average total loans | $88,460,200 | 3,552 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 2,001 |
| Cost of funding earning assets | 0.3964% | 3,236 |
| Net interest margin | 3.9876% | 1,746 |
| Noninterest income to average assets | 0.4532% | 3,316 |
| Noninterest expense to average assets | 1.9875% | 4,980 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4690% | 959 |
| Return on assets (ROA) | 1.4710% | 974 |
| Pretax return on assets | 2.2211% | 348 |
| Return on Equity (ROE) | 9.1230% | 2,535 |
| Retained earnings to average equity (ytd only) | 9.1230% | 805 |
| Net charge-offs to loans | 0.0136% | 3,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 245.7717% | 361 |
| Efficiency ratio | 47.2580% | 5,378 |
| Assets per employee ($millions) | 7.2339% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9654% | 606 |
| Loan loss allowance to noncurrent loans | 188.3984% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.8025% | 2,138 |
| Noncurrent loans to loans | 1.0432% | 1,857 |
| Net loans and leases to total assets | 70.2957% | 2,514 |
| Net loans and leases to deposits | 84.9178% | 2,447 |
| Net loans and leases to core deposits | 89.6257% | 2,642 |
| Total domestic deposits to total assets | 82.7809% | 3,529 |
| Equity capital to assets | 17.0555% | 419 |
| Core capital (leverage) ratio | 17.1097% | 375 |
| Tier 1 risk-based capital ratio | 22.5313% | 991 |
| Total risk-based capital ratio | 23.7879% | 977 |
| Memoranda: | ||
| Average total assets | $132,964,250 | 3,736 |
| Average earning assets | $125,118,250 | 3,693 |
| Average equity | $21,439,750 | 3,028 |
| Average total loans | $88,298,000 | 3,591 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2333% | 2,347 |
| Cost of funding earning assets | 0.3938% | 3,134 |
| Net interest margin | 3.8395% | 2,132 |
| Noninterest income to average assets | 0.4736% | 3,193 |
| Noninterest expense to average assets | 1.9450% | 5,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4027% | 1,065 |
| Return on assets (ROA) | 1.4027% | 1,090 |
| Pretax return on assets | 2.1407% | 404 |
| Return on Equity (ROE) | 8.8653% | 2,574 |
| Retained earnings to average equity (ytd only) | 8.8653% | 879 |
| Net charge-offs to loans | -0.0162% | 4,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6051% | 5,410 |
| Assets per employee ($millions) | 7.2937% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1011% | 508 |
| Loan loss allowance to noncurrent loans | 130.4225% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 1.1357% | 1,522 |
| Noncurrent loans to loans | 1.6110% | 1,146 |
| Net loans and leases to total assets | 65.7293% | 3,141 |
| Net loans and leases to deposits | 78.8563% | 3,033 |
| Net loans and leases to core deposits | 83.2247% | 3,153 |
| Total domestic deposits to total assets | 83.3533% | 3,448 |
| Equity capital to assets | 16.5211% | 469 |
| Core capital (leverage) ratio | 16.3488% | 436 |
| Tier 1 risk-based capital ratio | 23.2451% | 919 |
| Total risk-based capital ratio | 24.5032% | 908 |
| Memoranda: | ||
| Average total assets | $133,882,330 | 3,752 |
| Average earning assets | $125,953,000 | 3,704 |
| Average equity | $21,183,670 | 3,052 |
| Average total loans | $86,608,330 | 3,642 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 2,585 |
| Cost of funding earning assets | 0.3938% | 3,053 |
| Net interest margin | 3.7237% | 2,407 |
| Noninterest income to average assets | 0.5090% | 2,915 |
| Noninterest expense to average assets | 1.9322% | 5,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3641% | 1,080 |
| Return on assets (ROA) | 1.3641% | 1,117 |
| Pretax return on assets | 2.0743% | 436 |
| Return on Equity (ROE) | 8.8101% | 2,506 |
| Retained earnings to average equity (ytd only) | 8.8101% | 1,140 |
| Net charge-offs to loans | 0.0233% | 2,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 140.2000% | 390 |
| Efficiency ratio | 48.2275% | 5,459 |
| Assets per employee ($millions) | 7.5225% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2085% | 470 |
| Loan loss allowance to noncurrent loans | 179.3372% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.8102% | 2,274 |
| Noncurrent loans to loans | 1.2315% | 1,643 |
| Net loans and leases to total assets | 60.1721% | 3,768 |
| Net loans and leases to deposits | 71.5361% | 3,649 |
| Net loans and leases to core deposits | 75.5037% | 3,698 |
| Total domestic deposits to total assets | 84.1143% | 3,437 |
| Equity capital to assets | 15.6338% | 552 |
| Core capital (leverage) ratio | 15.4247% | 536 |
| Tier 1 risk-based capital ratio | 24.1000% | 859 |
| Total risk-based capital ratio | 25.3600% | 842 |
| Memoranda: | ||
| Average total assets | $135,180,000 | 3,769 |
| Average earning assets | $126,970,500 | 3,721 |
| Average equity | $20,930,500 | 3,088 |
| Average total loans | $85,839,500 | 3,691 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 1,623 |
| Cost of funding earning assets | 0.3898% | 3,104 |
| Net interest margin | 4.0830% | 1,420 |
| Noninterest income to average assets | 0.4688% | 3,416 |
| Noninterest expense to average assets | 2.1363% | 4,923 |
| Loan and lease loss provision to assets | 0.3403% | 514 |
| Net operating income to assets | 1.2215% | 1,434 |
| Return on assets (ROA) | 1.2220% | 1,523 |
| Pretax return on assets | 1.8028% | 796 |
| Return on Equity (ROE) | 7.9052% | 2,994 |
| Retained earnings to average equity (ytd only) | 4.9554% | 2,378 |
| Net charge-offs to loans | 0.0066% | 4,030 |
| Credit loss provision to net charge-offs | 7,500.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 472.1667% | 174 |
| Efficiency ratio | 49.9293% | 5,487 |
| Assets per employee ($millions) | 7.4975% | 731 |
| Cash dividends to net income (ytd only)* | 37.3144% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0880% | 559 |
| Loan loss allowance to noncurrent loans | 225.5501% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 2,747 |
| Noncurrent loans to loans | 0.9257% | 2,244 |
| Net loans and leases to total assets | 64.1088% | 3,346 |
| Net loans and leases to deposits | 75.7514% | 3,344 |
| Net loans and leases to core deposits | 80.1152% | 3,387 |
| Total domestic deposits to total assets | 84.6304% | 3,197 |
| Equity capital to assets | 15.3325% | 593 |
| Core capital (leverage) ratio | 15.4873% | 532 |
| Tier 1 risk-based capital ratio | 22.0958% | 1,066 |
| Total risk-based capital ratio | 23.3545% | 1,039 |
| Memoranda: | ||
| Average total assets | $132,239,200 | 3,794 |
| Average earning assets | $123,389,400 | 3,760 |
| Average equity | $20,442,200 | 3,126 |
| Average total loans | $90,340,000 | 3,569 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5071% | 1,511 |
| Cost of funding earning assets | 0.3893% | 3,133 |
| Net interest margin | 4.1178% | 1,347 |
| Noninterest income to average assets | 0.4186% | 3,791 |
| Noninterest expense to average assets | 2.0097% | 5,182 |
| Loan and lease loss provision to assets | 0.3547% | 450 |
| Net operating income to assets | 1.2658% | 1,395 |
| Return on assets (ROA) | 1.2658% | 1,493 |
| Pretax return on assets | 1.9022% | 707 |
| Return on Equity (ROE) | 8.1713% | 2,922 |
| Retained earnings to average equity (ytd only) | 8.1713% | 1,103 |
| Net charge-offs to loans | -0.0191% | 4,990 |
| Credit loss provision to net charge-offs | -2,692.3077% | 5,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1021% | 5,625 |
| Assets per employee ($millions) | 7.0704% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8726% | 893 |
| Loan loss allowance to noncurrent loans | 231.4961% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.6577% | 2,935 |
| Noncurrent loans to loans | 0.8089% | 2,644 |
| Net loans and leases to total assets | 72.6333% | 2,081 |
| Net loans and leases to deposits | 87.1934% | 2,118 |
| Net loans and leases to core deposits | 93.1497% | 2,263 |
| Total domestic deposits to total assets | 83.3014% | 3,482 |
| Equity capital to assets | 16.5462% | 478 |
| Core capital (leverage) ratio | 16.7282% | 385 |
| Tier 1 risk-based capital ratio | 20.8466% | 1,298 |
| Total risk-based capital ratio | 22.1025% | 1,276 |
| Memoranda: | ||
| Average total assets | $131,560,250 | 3,825 |
| Average earning assets | $122,943,000 | 3,798 |
| Average equity | $20,379,750 | 3,156 |
| Average total loans | $90,834,250 | 3,579 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3860% | 1,865 |
| Cost of funding earning assets | 0.3838% | 3,222 |
| Net interest margin | 4.0022% | 1,639 |
| Noninterest income to average assets | 0.4196% | 3,745 |
| Noninterest expense to average assets | 1.9550% | 5,360 |
| Loan and lease loss provision to assets | 0.4512% | 315 |
| Net operating income to assets | 1.1595% | 1,738 |
| Return on assets (ROA) | 1.1595% | 1,847 |
| Pretax return on assets | 1.7460% | 987 |
| Return on Equity (ROE) | 7.6512% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.6512% | 1,314 |
| Net charge-offs to loans | -0.0067% | 4,597 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0844% | 5,705 |
| Assets per employee ($millions) | 6.6507% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8232% | 1,043 |
| Loan loss allowance to noncurrent loans | 212.8750% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.6924% | 2,906 |
| Noncurrent loans to loans | 0.8565% | 2,598 |
| Net loans and leases to total assets | 72.5713% | 2,077 |
| Net loans and leases to deposits | 86.8376% | 2,152 |
| Net loans and leases to core deposits | 92.7915% | 2,276 |
| Total domestic deposits to total assets | 83.5713% | 3,436 |
| Equity capital to assets | 16.3045% | 501 |
| Core capital (leverage) ratio | 16.1721% | 445 |
| Tier 1 risk-based capital ratio | 20.6390% | 1,321 |
| Total risk-based capital ratio | 21.8942% | 1,303 |
| Memoranda: | ||
| Average total assets | $132,991,000 | 3,825 |
| Average earning assets | $124,032,000 | 3,801 |
| Average equity | $20,153,670 | 3,181 |
| Average total loans | $89,711,330 | 3,620 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 2,684 |
| Cost of funding earning assets | 0.3801% | 3,292 |
| Net interest margin | 3.7599% | 2,437 |
| Noninterest income to average assets | 0.4314% | 3,605 |
| Noninterest expense to average assets | 1.9985% | 5,343 |
| Loan and lease loss provision to assets | 0.5869% | 190 |
| Net operating income to assets | 0.9215% | 2,639 |
| Return on assets (ROA) | 0.9215% | 2,751 |
| Pretax return on assets | 1.3294% | 2,187 |
| Return on Equity (ROE) | 6.3024% | 3,829 |
| Retained earnings to average equity (ytd only) | 6.3024% | 2,231 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0495% | 5,563 |
| Assets per employee ($millions) | 6.8037% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 1,140 |
| Loan loss allowance to noncurrent loans | 184.5444% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.7434% | 2,849 |
| Noncurrent loans to loans | 0.9790% | 2,424 |
| Net loans and leases to total assets | 67.2695% | 2,768 |
| Net loans and leases to deposits | 79.6957% | 2,837 |
| Net loans and leases to core deposits | 84.1063% | 2,931 |
| Total domestic deposits to total assets | 84.4079% | 3,354 |
| Equity capital to assets | 15.5487% | 593 |
| Core capital (leverage) ratio | 15.3091% | 561 |
| Tier 1 risk-based capital ratio | 21.3597% | 1,251 |
| Total risk-based capital ratio | 22.6147% | 1,231 |
| Memoranda: | ||
| Average total assets | $136,304,500 | 3,802 |
| Average earning assets | $126,281,000 | 3,782 |
| Average equity | $19,929,000 | 3,209 |
| Average total loans | $87,863,500 | 3,654 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4208% | 1,833 |
| Cost of funding earning assets | 0.4123% | 3,032 |
| Net interest margin | 4.0084% | 1,690 |
| Noninterest income to average assets | 0.5061% | 3,280 |
| Noninterest expense to average assets | 2.2689% | 4,882 |
| Loan and lease loss provision to assets | 0.1168% | 2,042 |
| Net operating income to assets | 1.2574% | 1,372 |
| Return on assets (ROA) | 1.2606% | 1,411 |
| Pretax return on assets | 1.8267% | 763 |
| Return on Equity (ROE) | 8.3333% | 2,785 |
| Retained earnings to average equity (ytd only) | 5.2296% | 2,256 |
| Net charge-offs to loans | 0.5831% | 417 |
| Credit loss provision to net charge-offs | 30.1811% | 3,657 |
| Earnings coverage of net charge-offs (x) | 5.0101% | 3,447 |
| Efficiency ratio | 53.9230% | 5,527 |
| Assets per employee ($millions) | 7.5441% | 681 |
| Cash dividends to net income (ytd only)* | 37.2452% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 1,595 |
| Loan loss allowance to noncurrent loans | 173.9130% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.6684% | 3,039 |
| Noncurrent loans to loans | 0.9235% | 2,492 |
| Net loans and leases to total assets | 59.8355% | 3,857 |
| Net loans and leases to deposits | 69.5190% | 3,969 |
| Net loans and leases to core deposits | 72.2267% | 4,112 |
| Total domestic deposits to total assets | 86.0707% | 2,603 |
| Equity capital to assets | 13.7842% | 1,011 |
| Core capital (leverage) ratio | 15.5956% | 522 |
| Tier 1 risk-based capital ratio | 20.3499% | 1,414 |
| Total risk-based capital ratio | 21.6023% | 1,396 |
| Memoranda: | ||
| Average total assets | $128,431,600 | 3,920 |
| Average earning assets | $118,599,600 | 3,910 |
| Average equity | $19,428,000 | 3,226 |
| Average total loans | $85,231,600 | 3,696 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 1,685 |
| Cost of funding earning assets | 0.4253% | 2,958 |
| Net interest margin | 4.0459% | 1,572 |
| Noninterest income to average assets | 0.4597% | 3,638 |
| Noninterest expense to average assets | 2.1693% | 5,127 |
| Loan and lease loss provision to assets | 0.1604% | 1,339 |
| Net operating income to assets | 1.2733% | 1,410 |
| Return on assets (ROA) | 1.2776% | 1,458 |
| Pretax return on assets | 1.8999% | 718 |
| Return on Equity (ROE) | 8.2360% | 2,949 |
| Retained earnings to average equity (ytd only) | 8.2360% | 1,146 |
| Net charge-offs to loans | 1.1548% | 146 |
| Credit loss provision to net charge-offs | 20.4360% | 3,362 |
| Earnings coverage of net charge-offs (x) | 2.6172% | 3,638 |
| Efficiency ratio | 51.3671% | 5,690 |
| Assets per employee ($millions) | 6.7122% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 3,356 |
| Loan loss allowance to noncurrent loans | 127.4123% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.8815% | 2,675 |
| Noncurrent loans to loans | 0.9823% | 2,528 |
| Net loans and leases to total assets | 75.8790% | 1,402 |
| Net loans and leases to deposits | 91.1121% | 1,512 |
| Net loans and leases to core deposits | 95.8814% | 1,898 |
| Total domestic deposits to total assets | 83.2809% | 3,707 |
| Equity capital to assets | 16.5122% | 487 |
| Core capital (leverage) ratio | 16.1348% | 470 |
| Tier 1 risk-based capital ratio | 19.7641% | 1,607 |
| Total risk-based capital ratio | 20.9217% | 1,594 |
| Memoranda: | ||
| Average total assets | $124,705,000 | 4,027 |
| Average earning assets | $116,000,750 | 4,006 |
| Average equity | $19,345,500 | 3,263 |
| Average total loans | $84,747,750 | 3,737 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3075% | 2,147 |
| Cost of funding earning assets | 0.4225% | 3,013 |
| Net interest margin | 3.8850% | 2,034 |
| Noninterest income to average assets | 0.4651% | 3,595 |
| Noninterest expense to average assets | 1.9540% | 5,626 |
| Loan and lease loss provision to assets | 0.2381% | 765 |
| Net operating income to assets | 1.2650% | 1,411 |
| Return on assets (ROA) | 1.2714% | 1,461 |
| Pretax return on assets | 1.8873% | 750 |
| Return on Equity (ROE) | 8.3682% | 2,862 |
| Retained earnings to average equity (ytd only) | 8.3682% | 1,133 |
| Net charge-offs to loans | 1.7428% | 86 |
| Credit loss provision to net charge-offs | 20.9790% | 3,008 |
| Earnings coverage of net charge-offs (x) | 1.8643% | 3,439 |
| Efficiency ratio | 48.0109% | 5,959 |
| Assets per employee ($millions) | 6.9087% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 2,838 |
| Loan loss allowance to noncurrent loans | 147.5655% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.7856% | 3,029 |
| Noncurrent loans to loans | 0.9368% | 2,786 |
| Net loans and leases to total assets | 67.8080% | 2,673 |
| Net loans and leases to deposits | 80.4787% | 2,724 |
| Net loans and leases to core deposits | 84.5082% | 2,929 |
| Total domestic deposits to total assets | 84.2558% | 3,464 |
| Equity capital to assets | 15.6662% | 574 |
| Core capital (leverage) ratio | 15.4863% | 544 |
| Tier 1 risk-based capital ratio | 20.8418% | 1,396 |
| Total risk-based capital ratio | 22.0910% | 1,373 |
| Memoranda: | ||
| Average total assets | $126,000,000 | 4,039 |
| Average earning assets | $116,912,000 | 4,013 |
| Average equity | $19,144,000 | 3,303 |
| Average total loans | $82,050,670 | 3,824 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2068% | 2,431 |
| Cost of funding earning assets | 0.4187% | 3,090 |
| Net interest margin | 3.7881% | 2,267 |
| Noninterest income to average assets | 0.4857% | 3,387 |
| Noninterest expense to average assets | 1.9807% | 5,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3730% | 1,082 |
| Return on assets (ROA) | 1.3878% | 1,107 |
| Pretax return on assets | 2.0659% | 520 |
| Return on Equity (ROE) | 9.2754% | 2,324 |
| Retained earnings to average equity (ytd only) | 9.2754% | 1,108 |
| Net charge-offs to loans | 3.5905% | 35 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.8988% | 2,996 |
| Efficiency ratio | 49.2163% | 5,965 |
| Assets per employee ($millions) | 7.1414% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 3,467 |
| Loan loss allowance to noncurrent loans | 122.8743% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.7779% | 3,167 |
| Noncurrent loans to loans | 1.0482% | 2,667 |
| Net loans and leases to total assets | 61.1719% | 3,500 |
| Net loans and leases to deposits | 71.9854% | 3,535 |
| Net loans and leases to core deposits | 75.4254% | 3,647 |
| Total domestic deposits to total assets | 84.9781% | 3,420 |
| Equity capital to assets | 14.9464% | 727 |
| Core capital (leverage) ratio | 14.4092% | 713 |
| Tier 1 risk-based capital ratio | 21.0684% | 1,407 |
| Total risk-based capital ratio | 22.1987% | 1,409 |
| Memoranda: | ||
| Average total assets | $126,821,500 | 4,047 |
| Average earning assets | $118,476,000 | 4,006 |
| Average equity | $18,975,000 | 3,344 |
| Average total loans | $80,323,000 | 3,878 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3966% | 2,238 |
| Cost of funding earning assets | 0.4287% | 3,396 |
| Net interest margin | 3.9679% | 1,986 |
| Noninterest income to average assets | 0.5487% | 3,182 |
| Noninterest expense to average assets | 2.0849% | 5,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4571% | 967 |
| Return on assets (ROA) | 1.4549% | 1,004 |
| Pretax return on assets | 2.1283% | 381 |
| Return on Equity (ROE) | 10.1237% | 2,060 |
| Retained earnings to average equity (ytd only) | 6.8114% | 1,491 |
| Net charge-offs to loans | 0.0564% | 3,703 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 58.6957% | 804 |
| Efficiency ratio | 49.4477% | 6,118 |
| Assets per employee ($millions) | 6.9498% | 871 |
| Cash dividends to net income (ytd only)* | 32.7184% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1572% | 875 |
| Loan loss allowance to noncurrent loans | 82.2892% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.8290% | 1,420 |
| Noncurrent loans to loans | 2.6214% | 946 |
| Net loans and leases to total assets | 63.3420% | 3,311 |
| Net loans and leases to deposits | 74.5393% | 3,370 |
| Net loans and leases to core deposits | 78.1936% | 3,499 |
| Total domestic deposits to total assets | 84.9781% | 3,292 |
| Equity capital to assets | 14.9780% | 707 |
| Core capital (leverage) ratio | 14.9796% | 615 |
| Tier 1 risk-based capital ratio | 20.7660% | 1,450 |
| Total risk-based capital ratio | 22.0241% | 1,424 |
| Memoranda: | ||
| Average total assets | $126,672,800 | 4,041 |
| Average earning assets | $117,089,200 | 4,026 |
| Average equity | $18,204,800 | 3,379 |
| Average total loans | $81,603,200 | 3,833 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3407% | 2,455 |
| Cost of funding earning assets | 0.4268% | 3,496 |
| Net interest margin | 3.9139% | 2,183 |
| Noninterest income to average assets | 0.4932% | 3,589 |
| Noninterest expense to average assets | 1.8919% | 5,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4963% | 952 |
| Return on assets (ROA) | 1.4921% | 985 |
| Pretax return on assets | 2.2224% | 351 |
| Return on Equity (ROE) | 10.4912% | 2,006 |
| Retained earnings to average equity (ytd only) | 10.4912% | 600 |
| Net charge-offs to loans | 0.0522% | 3,469 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 66.3682% | 806 |
| Efficiency ratio | 45.9129% | 6,295 |
| Assets per employee ($millions) | 6.8685% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9698% | 1,308 |
| Loan loss allowance to noncurrent loans | 103.1634% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.4988% | 2,052 |
| Noncurrent loans to loans | 1.9094% | 1,678 |
| Net loans and leases to total assets | 70.8856% | 2,042 |
| Net loans and leases to deposits | 86.3539% | 1,870 |
| Net loans and leases to core deposits | 90.8194% | 2,141 |
| Total domestic deposits to total assets | 82.0873% | 4,451 |
| Equity capital to assets | 15.2799% | 677 |
| Core capital (leverage) ratio | 15.2430% | 584 |
| Tier 1 risk-based capital ratio | 19.2719% | 1,832 |
| Total risk-based capital ratio | 20.5283% | 1,804 |
| Memoranda: | ||
| Average total assets | $127,066,750 | 4,065 |
| Average earning assets | $117,765,750 | 4,040 |
| Average equity | $18,071,750 | 3,409 |
| Average total loans | $81,757,500 | 3,852 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1401% | 3,189 |
| Cost of funding earning assets | 0.4276% | 3,574 |
| Net interest margin | 3.7124% | 2,908 |
| Noninterest income to average assets | 0.5148% | 3,371 |
| Noninterest expense to average assets | 1.8641% | 6,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4092% | 1,041 |
| Return on assets (ROA) | 1.3977% | 1,108 |
| Pretax return on assets | 2.0731% | 463 |
| Return on Equity (ROE) | 10.0682% | 2,119 |
| Retained earnings to average equity (ytd only) | 10.0682% | 700 |
| Net charge-offs to loans | 0.0530% | 3,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 63.8095% | 774 |
| Efficiency ratio | 47.1400% | 6,320 |
| Assets per employee ($millions) | 6.9150% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0746% | 1,229 |
| Loan loss allowance to noncurrent loans | 151.3237% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.0661% | 2,936 |
| Noncurrent loans to loans | 1.3710% | 2,521 |
| Net loans and leases to total assets | 67.1993% | 2,550 |
| Net loans and leases to deposits | 78.8921% | 2,676 |
| Net loans and leases to core deposits | 83.6380% | 2,779 |
| Total domestic deposits to total assets | 85.1788% | 3,417 |
| Equity capital to assets | 14.7562% | 759 |
| Core capital (leverage) ratio | 14.5858% | 682 |
| Tier 1 risk-based capital ratio | 18.8695% | 1,953 |
| Total risk-based capital ratio | 20.1268% | 1,917 |
| Memoranda: | ||
| Average total assets | $128,211,330 | 4,071 |
| Average earning assets | $118,790,000 | 4,040 |
| Average equity | $17,798,670 | 3,437 |
| Average total loans | $79,210,330 | 3,929 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8869% | 4,136 |
| Cost of funding earning assets | 0.4178% | 3,789 |
| Net interest margin | 3.4691% | 3,826 |
| Noninterest income to average assets | 0.5873% | 2,808 |
| Noninterest expense to average assets | 1.8327% | 6,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3423% | 1,117 |
| Return on assets (ROA) | 1.3253% | 1,198 |
| Pretax return on assets | 1.9219% | 625 |
| Return on Equity (ROE) | 9.8433% | 2,099 |
| Retained earnings to average equity (ytd only) | 9.8433% | 1,006 |
| Net charge-offs to loans | 0.1104% | 2,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 30.1429% | 1,053 |
| Efficiency ratio | 48.4947% | 6,335 |
| Assets per employee ($millions) | 7.1941% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3423% | 976 |
| Loan loss allowance to noncurrent loans | 143.8312% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 1.0719% | 3,112 |
| Noncurrent loans to loans | 1.6285% | 2,390 |
| Net loans and leases to total assets | 57.0533% | 3,996 |
| Net loans and leases to deposits | 66.2221% | 4,068 |
| Net loans and leases to core deposits | 68.9868% | 4,209 |
| Total domestic deposits to total assets | 86.1545% | 3,276 |
| Equity capital to assets | 13.7629% | 1,007 |
| Core capital (leverage) ratio | 13.4698% | 980 |
| Tier 1 risk-based capital ratio | 19.9877% | 1,723 |
| Total risk-based capital ratio | 21.2457% | 1,686 |
| Memoranda: | ||
| Average total assets | $130,082,000 | 4,067 |
| Average earning assets | $119,683,500 | 4,047 |
| Average equity | $17,514,500 | 3,479 |
| Average total loans | $76,108,000 | 4,060 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 2,373 |
| Cost of funding earning assets | 0.4572% | 4,044 |
| Net interest margin | 3.9984% | 1,948 |
| Noninterest income to average assets | 0.4561% | 4,048 |
| Noninterest expense to average assets | 2.0264% | 5,979 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4207% | 985 |
| Return on assets (ROA) | 1.4138% | 1,033 |
| Pretax return on assets | 2.1079% | 373 |
| Return on Equity (ROE) | 10.4475% | 1,940 |
| Retained earnings to average equity (ytd only) | 6.7525% | 1,554 |
| Net charge-offs to loans | -0.5721% | 6,733 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8919% | 6,451 |
| Assets per employee ($millions) | 7.2595% | 668 |
| Cash dividends to net income (ytd only)* | 35.3672% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3418% | 989 |
| Loan loss allowance to noncurrent loans | 138.5626% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 1.0446% | 3,329 |
| Noncurrent loans to loans | 1.6901% | 2,377 |
| Net loans and leases to total assets | 57.2208% | 4,165 |
| Net loans and leases to deposits | 65.9356% | 4,305 |
| Net loans and leases to core deposits | 69.1051% | 4,383 |
| Total domestic deposits to total assets | 86.7828% | 2,839 |
| Equity capital to assets | 13.1682% | 1,205 |
| Core capital (leverage) ratio | 14.2331% | 763 |
| Tier 1 risk-based capital ratio | 19.5946% | 1,753 |
| Total risk-based capital ratio | 20.8536% | 1,719 |
| Memoranda: | ||
| Average total assets | $125,196,600 | 4,157 |
| Average earning assets | $115,496,400 | 4,149 |
| Average equity | $16,941,800 | 3,570 |
| Average total loans | $79,712,800 | 3,944 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5331% | 2,110 |
| Cost of funding earning assets | 0.4664% | 4,101 |
| Net interest margin | 4.0667% | 1,738 |
| Noninterest income to average assets | 0.3909% | 4,602 |
| Noninterest expense to average assets | 1.8724% | 6,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5516% | 820 |
| Return on assets (ROA) | 1.5516% | 867 |
| Pretax return on assets | 2.3021% | 319 |
| Return on Equity (ROE) | 11.3851% | 1,685 |
| Retained earnings to average equity (ytd only) | 10.9742% | 582 |
| Net charge-offs to loans | -0.7718% | 6,811 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8543% | 6,632 |
| Assets per employee ($millions) | 6.9886% | 755 |
| Cash dividends to net income (ytd only)* | 3.6085% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1595% | 1,402 |
| Loan loss allowance to noncurrent loans | 193.3548% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.8451% | 4,004 |
| Noncurrent loans to loans | 1.1169% | 3,568 |
| Net loans and leases to total assets | 68.7945% | 2,179 |
| Net loans and leases to deposits | 80.7972% | 2,291 |
| Net loans and leases to core deposits | 85.1828% | 2,514 |
| Total domestic deposits to total assets | 85.1447% | 3,664 |
| Equity capital to assets | 14.7215% | 768 |
| Core capital (leverage) ratio | 14.2718% | 796 |
| Tier 1 risk-based capital ratio | 18.5236% | 2,133 |
| Total risk-based capital ratio | 19.7815% | 2,101 |
| Memoranda: | ||
| Average total assets | $123,828,000 | 4,228 |
| Average earning assets | $115,209,500 | 4,197 |
| Average equity | $16,875,500 | 3,619 |
| Average total loans | $80,500,000 | 3,959 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 2,680 |
| Cost of funding earning assets | 0.4724% | 4,179 |
| Net interest margin | 3.8990% | 2,212 |
| Noninterest income to average assets | 0.4175% | 4,393 |
| Noninterest expense to average assets | 1.8247% | 6,332 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5187% | 872 |
| Return on assets (ROA) | 1.5187% | 938 |
| Pretax return on assets | 2.2231% | 398 |
| Return on Equity (ROE) | 11.4333% | 1,663 |
| Retained earnings to average equity (ytd only) | 11.1213% | 626 |
| Net charge-offs to loans | -1.2228% | 6,879 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0787% | 6,676 |
| Assets per employee ($millions) | 7.5004% | 568 |
| Cash dividends to net income (ytd only)* | 2.7282% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1724% | 1,479 |
| Loan loss allowance to noncurrent loans | 353.4884% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.5358% | 4,921 |
| Noncurrent loans to loans | 0.6146% | 4,717 |
| Net loans and leases to total assets | 68.4449% | 2,160 |
| Net loans and leases to deposits | 79.7480% | 2,358 |
| Net loans and leases to core deposits | 84.2830% | 2,517 |
| Total domestic deposits to total assets | 85.8265% | 3,458 |
| Equity capital to assets | 14.0968% | 942 |
| Core capital (leverage) ratio | 13.6153% | 935 |
| Tier 1 risk-based capital ratio | 17.7149% | 2,430 |
| Total risk-based capital ratio | 18.9722% | 2,392 |
| Memoranda: | ||
| Average total assets | $125,502,000 | 4,234 |
| Average earning assets | $116,850,000 | 4,181 |
| Average equity | $16,670,670 | 3,670 |
| Average total loans | $79,488,000 | 3,996 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0245% | 4,015 |
| Cost of funding earning assets | 0.4711% | 4,360 |
| Net interest margin | 3.5534% | 3,463 |
| Noninterest income to average assets | 0.4585% | 4,062 |
| Noninterest expense to average assets | 1.7778% | 6,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3754% | 1,086 |
| Return on assets (ROA) | 1.3754% | 1,175 |
| Pretax return on assets | 1.9743% | 621 |
| Return on Equity (ROE) | 10.6602% | 1,807 |
| Retained earnings to average equity (ytd only) | 10.6602% | 946 |
| Net charge-offs to loans | -0.0984% | 6,436 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3815% | 6,635 |
| Assets per employee ($millions) | 8.6081% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7992% | 2,623 |
| Loan loss allowance to noncurrent loans | 211.3707% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.8666% | 4,215 |
| Noncurrent loans to loans | 0.8512% | 4,416 |
| Net loans and leases to total assets | 57.3605% | 3,861 |
| Net loans and leases to deposits | 66.0057% | 4,053 |
| Net loans and leases to core deposits | 69.4924% | 4,138 |
| Total domestic deposits to total assets | 86.9023% | 3,021 |
| Equity capital to assets | 12.9614% | 1,449 |
| Core capital (leverage) ratio | 12.7804% | 1,203 |
| Tier 1 risk-based capital ratio | 18.7809% | 2,102 |
| Total risk-based capital ratio | 19.9912% | 2,092 |
| Memoranda: | ||
| Average total assets | $128,250,000 | 4,218 |
| Average earning assets | $118,872,000 | 4,179 |
| Average equity | $16,547,500 | 3,733 |
| Average total loans | $77,251,000 | 4,089 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9315% | 1,745 |
| Cost of funding earning assets | 0.5793% | 4,546 |
| Net interest margin | 4.3522% | 1,279 |
| Noninterest income to average assets | 0.4097% | 4,530 |
| Noninterest expense to average assets | 2.0815% | 6,165 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.5861% | 773 |
| Return on assets (ROA) | 1.5861% | 853 |
| Pretax return on assets | 2.3527% | 309 |
| Return on Equity (ROE) | 11.8898% | 1,539 |
| Retained earnings to average equity (ytd only) | 8.4594% | 978 |
| Net charge-offs to loans | 0.1067% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 32.2069% | 956 |
| Efficiency ratio | 46.9419% | 6,754 |
| Assets per employee ($millions) | 7.9611% | 510 |
| Cash dividends to net income (ytd only)* | 28.8512% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6920% | 2,962 |
| Loan loss allowance to noncurrent loans | 195.9004% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.8644% | 4,319 |
| Noncurrent loans to loans | 0.8637% | 4,454 |
| Net loans and leases to total assets | 61.0325% | 3,414 |
| Net loans and leases to deposits | 70.0669% | 3,698 |
| Net loans and leases to core deposits | 73.1400% | 3,900 |
| Total domestic deposits to total assets | 87.1061% | 2,772 |
| Equity capital to assets | 12.8429% | 1,523 |
| Core capital (leverage) ratio | 13.6529% | 901 |
| Tier 1 risk-based capital ratio | 17.7324% | 2,367 |
| Total risk-based capital ratio | 18.8099% | 2,403 |
| Memoranda: | ||
| Average total assets | $119,099,400 | 4,378 |
| Average earning assets | $110,129,200 | 4,337 |
| Average equity | $15,887,600 | 3,791 |
| Average total loans | $81,527,600 | 3,993 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0983% | 1,429 |
| Cost of funding earning assets | 0.6030% | 4,615 |
| Net interest margin | 4.4953% | 999 |
| Noninterest income to average assets | 0.3680% | 4,888 |
| Noninterest expense to average assets | 1.8798% | 6,557 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7830% | 587 |
| Return on assets (ROA) | 1.7830% | 655 |
| Pretax return on assets | 2.6500% | 233 |
| Return on Equity (ROE) | 13.2317% | 1,282 |
| Retained earnings to average equity (ytd only) | 13.2317% | 375 |
| Net charge-offs to loans | 0.1217% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 31.0126% | 1,069 |
| Efficiency ratio | 41.4990% | 6,983 |
| Assets per employee ($millions) | 7.3454% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6010% | 3,514 |
| Loan loss allowance to noncurrent loans | 156.6125% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 1.0891% | 4,115 |
| Noncurrent loans to loans | 1.0222% | 4,406 |
| Net loans and leases to total assets | 70.6005% | 1,802 |
| Net loans and leases to deposits | 82.3089% | 2,076 |
| Net loans and leases to core deposits | 86.3242% | 2,420 |
| Total domestic deposits to total assets | 85.7751% | 3,372 |
| Equity capital to assets | 14.1186% | 1,111 |
| Core capital (leverage) ratio | 13.9370% | 859 |
| Tier 1 risk-based capital ratio | 17.5856% | 2,505 |
| Total risk-based capital ratio | 18.7083% | 2,520 |
| Memoranda: | ||
| Average total assets | $117,029,750 | 4,458 |
| Average earning assets | $108,346,750 | 4,429 |
| Average equity | $15,769,750 | 3,850 |
| Average total loans | $82,139,500 | 4,018 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9939% | 1,804 |
| Cost of funding earning assets | 0.6231% | 4,691 |
| Net interest margin | 4.3708% | 1,276 |
| Noninterest income to average assets | 0.3902% | 4,724 |
| Noninterest expense to average assets | 1.8551% | 6,677 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7405% | 622 |
| Return on assets (ROA) | 1.7405% | 698 |
| Pretax return on assets | 2.5808% | 269 |
| Return on Equity (ROE) | 13.1265% | 1,330 |
| Retained earnings to average equity (ytd only) | 13.1265% | 426 |
| Net charge-offs to loans | 0.0614% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 60.3200% | 633 |
| Efficiency ratio | 41.8210% | 7,025 |
| Assets per employee ($millions) | 6.7182% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5729% | 3,697 |
| Loan loss allowance to noncurrent loans | 165.8768% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 1.1050% | 4,177 |
| Noncurrent loans to loans | 0.9483% | 4,611 |
| Net loans and leases to total assets | 76.7052% | 876 |
| Net loans and leases to deposits | 89.3199% | 1,218 |
| Net loans and leases to core deposits | 93.7905% | 1,625 |
| Total domestic deposits to total assets | 85.8769% | 3,416 |
| Equity capital to assets | 14.0285% | 1,085 |
| Core capital (leverage) ratio | 13.7368% | 890 |
| Tier 1 risk-based capital ratio | 16.3248% | 2,993 |
| Total risk-based capital ratio | 17.4668% | 3,019 |
| Memoranda: | ||
| Average total assets | $116,864,330 | 4,486 |
| Average earning assets | $108,172,330 | 4,456 |
| Average equity | $15,495,330 | 3,891 |
| Average total loans | $81,411,330 | 4,061 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7933% | 2,667 |
| Cost of funding earning assets | 0.6518% | 4,717 |
| Net interest margin | 4.1415% | 1,964 |
| Noninterest income to average assets | 0.3858% | 4,781 |
| Noninterest expense to average assets | 1.8715% | 6,691 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5805% | 892 |
| Return on assets (ROA) | 1.5805% | 999 |
| Pretax return on assets | 2.3420% | 426 |
| Return on Equity (ROE) | 12.2637% | 1,594 |
| Retained earnings to average equity (ytd only) | 12.2637% | 786 |
| Net charge-offs to loans | 0.0412% | 4,118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 86.5000% | 393 |
| Efficiency ratio | 44.4177% | 6,970 |
| Assets per employee ($millions) | 6.8849% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7720% | 3,084 |
| Loan loss allowance to noncurrent loans | 180.7398% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.9791% | 4,548 |
| Noncurrent loans to loans | 0.9804% | 4,711 |
| Net loans and leases to total assets | 67.1098% | 2,273 |
| Net loans and leases to deposits | 77.3689% | 2,613 |
| Net loans and leases to core deposits | 81.4610% | 2,903 |
| Total domestic deposits to total assets | 86.7400% | 3,097 |
| Equity capital to assets | 13.1933% | 1,361 |
| Core capital (leverage) ratio | 12.6876% | 1,251 |
| Tier 1 risk-based capital ratio | 17.1282% | 2,637 |
| Total risk-based capital ratio | 18.2296% | 2,647 |
| Memoranda: | ||
| Average total assets | $118,191,500 | 4,492 |
| Average earning assets | $109,236,500 | 4,453 |
| Average equity | $15,232,000 | 3,949 |
| Average total loans | $77,614,500 | 4,194 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4477% | 1,307 |
| Cost of funding earning assets | 0.7993% | 4,882 |
| Net interest margin | 4.6484% | 834 |
| Noninterest income to average assets | 0.0860% | 6,693 |
| Noninterest expense to average assets | 2.1704% | 6,328 |
| Loan and lease loss provision to assets | 0.2442% | 3,768 |
| Net operating income to assets | 1.3110% | 1,214 |
| Return on assets (ROA) | 1.3110% | 1,325 |
| Pretax return on assets | 1.9327% | 621 |
| Return on Equity (ROE) | 9.6966% | 2,169 |
| Retained earnings to average equity (ytd only) | 6.2477% | 1,882 |
| Net charge-offs to loans | 0.0227% | 6,124 |
| Credit loss provision to net charge-offs | 1,466.6667% | 151 |
| Earnings coverage of net charge-offs (x) | 130.7222% | 254 |
| Efficiency ratio | 49.9255% | 6,838 |
| Assets per employee ($millions) | 7.0199% | 731 |
| Cash dividends to net income (ytd only)* | 35.5681% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 2,585 |
| Loan loss allowance to noncurrent loans | 161.3817% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 1.0550% | 4,507 |
| Noncurrent loans to loans | 1.1732% | 4,411 |
| Net loans and leases to total assets | 61.8733% | 3,624 |
| Net loans and leases to deposits | 71.1818% | 3,922 |
| Net loans and leases to core deposits | 74.5344% | 4,170 |
| Total domestic deposits to total assets | 86.9230% | 2,808 |
| Equity capital to assets | 12.5877% | 1,754 |
| Core capital (leverage) ratio | 12.2747% | 1,455 |
| Tier 1 risk-based capital ratio | 17.1036% | 2,552 |
| Total risk-based capital ratio | 18.1874% | 2,592 |
| Memoranda: | ||
| Average total assets | $108,089,200 | 4,687 |
| Average earning assets | $99,088,000 | 4,660 |
| Average equity | $14,613,400 | 3,984 |
| Average total loans | $79,190,600 | 4,166 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6247% | 983 |
| Cost of funding earning assets | 0.8403% | 4,852 |
| Net interest margin | 4.7844% | 644 |
| Noninterest income to average assets | -0.0671% | 7,186 |
| Noninterest expense to average assets | 2.0605% | 6,569 |
| Loan and lease loss provision to assets | 0.2647% | 3,392 |
| Net operating income to assets | 1.3564% | 1,250 |
| Return on assets (ROA) | 1.3564% | 1,334 |
| Pretax return on assets | 2.0137% | 611 |
| Return on Equity (ROE) | 9.8404% | 2,256 |
| Retained earnings to average equity (ytd only) | 9.8404% | 886 |
| Net charge-offs to loans | 0.0748% | 5,216 |
| Credit loss provision to net charge-offs | 464.4444% | 597 |
| Earnings coverage of net charge-offs (x) | 39.9768% | 770 |
| Efficiency ratio | 47.4898% | 6,987 |
| Assets per employee ($millions) | 5.8407% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5875% | 3,722 |
| Loan loss allowance to noncurrent loans | 141.8163% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 1.2860% | 4,241 |
| Noncurrent loans to loans | 1.1194% | 4,675 |
| Net loans and leases to total assets | 79.1902% | 588 |
| Net loans and leases to deposits | 92.6352% | 954 |
| Net loans and leases to core deposits | 97.7125% | 1,445 |
| Total domestic deposits to total assets | 85.4860% | 3,505 |
| Equity capital to assets | 14.4303% | 1,015 |
| Core capital (leverage) ratio | 13.6567% | 993 |
| Tier 1 risk-based capital ratio | 16.4149% | 2,903 |
| Total risk-based capital ratio | 17.5644% | 2,926 |
| Memoranda: | ||
| Average total assets | $105,276,750 | 4,781 |
| Average earning assets | $96,951,000 | 4,741 |
| Average equity | $14,511,250 | 4,028 |
| Average total loans | $80,172,250 | 4,167 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4910% | 1,316 |
| Cost of funding earning assets | 0.8691% | 4,911 |
| Net interest margin | 4.6220% | 872 |
| Noninterest income to average assets | 0.4557% | 4,243 |
| Noninterest expense to average assets | 2.0318% | 6,725 |
| Loan and lease loss provision to assets | 0.3969% | 2,433 |
| Net operating income to assets | 1.5115% | 865 |
| Return on assets (ROA) | 1.5115% | 926 |
| Pretax return on assets | 2.2787% | 360 |
| Return on Equity (ROE) | 11.1396% | 1,749 |
| Retained earnings to average equity (ytd only) | 11.1396% | 643 |
| Net charge-offs to loans | 0.1296% | 4,440 |
| Credit loss provision to net charge-offs | 409.8039% | 735 |
| Earnings coverage of net charge-offs (x) | 27.6275% | 985 |
| Efficiency ratio | 43.1626% | 7,267 |
| Assets per employee ($millions) | 5.8709% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 3,539 |
| Loan loss allowance to noncurrent loans | 172.2938% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 1.5093% | 3,937 |
| Noncurrent loans to loans | 0.9509% | 5,082 |
| Net loans and leases to total assets | 75.9576% | 1,076 |
| Net loans and leases to deposits | 88.5102% | 1,432 |
| Net loans and leases to core deposits | 92.9437% | 2,025 |
| Total domestic deposits to total assets | 85.8180% | 3,430 |
| Equity capital to assets | 14.0183% | 1,088 |
| Core capital (leverage) ratio | 13.2205% | 1,081 |
| Tier 1 risk-based capital ratio | 16.5330% | 2,724 |
| Total risk-based capital ratio | 17.7866% | 2,675 |
| Memoranda: | ||
| Average total assets | $105,324,670 | 4,817 |
| Average earning assets | $96,885,330 | 4,787 |
| Average equity | $14,291,330 | 4,064 |
| Average total loans | $78,697,000 | 4,267 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2684% | 1,984 |
| Cost of funding earning assets | 0.8967% | 4,950 |
| Net interest margin | 4.3717% | 1,361 |
| Noninterest income to average assets | 0.4717% | 4,107 |
| Noninterest expense to average assets | 2.0466% | 6,742 |
| Loan and lease loss provision to assets | 0.5174% | 1,681 |
| Net operating income to assets | 1.0804% | 1,908 |
| Return on assets (ROA) | 1.0804% | 1,958 |
| Pretax return on assets | 1.9325% | 632 |
| Return on Equity (ROE) | 8.0969% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.0969% | 1,695 |
| Net charge-offs to loans | 0.2071% | 3,269 |
| Credit loss provision to net charge-offs | 340.0000% | 958 |
| Earnings coverage of net charge-offs (x) | 16.1000% | 1,282 |
| Efficiency ratio | 45.5161% | 7,224 |
| Assets per employee ($millions) | 5.9088% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6722% | 3,439 |
| Loan loss allowance to noncurrent loans | 158.3851% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 1.5260% | 3,960 |
| Noncurrent loans to loans | 1.0558% | 4,940 |
| Net loans and leases to total assets | 70.4886% | 2,038 |
| Net loans and leases to deposits | 81.4548% | 2,454 |
| Net loans and leases to core deposits | 84.9231% | 3,043 |
| Total domestic deposits to total assets | 86.5371% | 3,215 |
| Equity capital to assets | 13.3726% | 1,227 |
| Core capital (leverage) ratio | 12.9277% | 1,143 |
| Tier 1 risk-based capital ratio | 16.6325% | 2,607 |
| Total risk-based capital ratio | 17.8851% | 2,585 |
| Memoranda: | ||
| Average total assets | $105,149,000 | 4,862 |
| Average earning assets | $96,804,000 | 4,831 |
| Average equity | $14,030,000 | 4,108 |
| Average total loans | $77,242,500 | 4,350 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5731% | 1,995 |
| Cost of funding earning assets | 1.0916% | 5,178 |
| Net interest margin | 4.4815% | 1,274 |
| Noninterest income to average assets | 0.5699% | 3,677 |
| Noninterest expense to average assets | 2.3380% | 6,247 |
| Loan and lease loss provision to assets | 0.7257% | 2,262 |
| Net operating income to assets | 1.0831% | 1,748 |
| Return on assets (ROA) | 1.0831% | 1,840 |
| Pretax return on assets | 1.6024% | 1,123 |
| Return on Equity (ROE) | 7.9945% | 2,697 |
| Retained earnings to average equity (ytd only) | 4.6238% | 2,650 |
| Net charge-offs to loans | 0.9238% | 2,335 |
| Credit loss provision to net charge-offs | 105.4834% | 4,251 |
| Earnings coverage of net charge-offs (x) | 3.3838% | 3,390 |
| Efficiency ratio | 50.1064% | 7,118 |
| Assets per employee ($millions) | 5.7744% | 1,377 |
| Cash dividends to net income (ytd only)* | 42.1632% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 3,970 |
| Loan loss allowance to noncurrent loans | 144.1320% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 1.5740% | 3,944 |
| Noncurrent loans to loans | 1.0455% | 4,976 |
| Net loans and leases to total assets | 74.1396% | 1,632 |
| Net loans and leases to deposits | 86.1054% | 2,075 |
| Net loans and leases to core deposits | 89.8785% | 2,789 |
| Total domestic deposits to total assets | 86.1034% | 3,306 |
| Equity capital to assets | 13.3126% | 1,251 |
| Core capital (leverage) ratio | 13.8209% | 885 |
| Tier 1 risk-based capital ratio | 15.9417% | 2,779 |
| Total risk-based capital ratio | 17.1924% | 2,734 |
| Memoranda: | ||
| Average total assets | $100,725,600 | 4,962 |
| Average earning assets | $92,067,800 | 4,940 |
| Average equity | $13,646,800 | 4,224 |
| Average total loans | $75,020,000 | 4,483 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5826% | 2,130 |
| Cost of funding earning assets | 1.1206% | 5,315 |
| Net interest margin | 4.4620% | 1,342 |
| Noninterest income to average assets | 0.5377% | 3,884 |
| Noninterest expense to average assets | 2.1656% | 6,697 |
| Loan and lease loss provision to assets | 0.9554% | 1,560 |
| Net operating income to assets | 1.0034% | 2,223 |
| Return on assets (ROA) | 1.0034% | 2,340 |
| Pretax return on assets | 1.4918% | 1,644 |
| Return on Equity (ROE) | 7.3728% | 3,167 |
| Retained earnings to average equity (ytd only) | 7.3728% | 1,661 |
| Net charge-offs to loans | 1.1875% | 1,717 |
| Credit loss provision to net charge-offs | 108.3207% | 3,934 |
| Earnings coverage of net charge-offs (x) | 2.7746% | 3,756 |
| Efficiency ratio | 46.9482% | 7,337 |
| Assets per employee ($millions) | 5.5094% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 3,889 |
| Loan loss allowance to noncurrent loans | 91.3675% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 2.1398% | 3,282 |
| Noncurrent loans to loans | 1.6597% | 4,156 |
| Net loans and leases to total assets | 78.3241% | 980 |
| Net loans and leases to deposits | 91.5449% | 1,510 |
| Net loans and leases to core deposits | 95.4167% | 2,332 |
| Total domestic deposits to total assets | 85.5581% | 3,317 |
| Equity capital to assets | 14.2563% | 1,102 |
| Core capital (leverage) ratio | 14.0048% | 917 |
| Tier 1 risk-based capital ratio | 16.7018% | 2,464 |
| Total risk-based capital ratio | 17.9533% | 2,422 |
| Memoranda: | ||
| Average total assets | $99,922,250 | 5,048 |
| Average earning assets | $91,257,500 | 5,032 |
| Average equity | $13,599,250 | 4,304 |
| Average total loans | $74,215,250 | 4,592 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4245% | 2,867 |
| Cost of funding earning assets | 1.1459% | 5,431 |
| Net interest margin | 4.2785% | 1,859 |
| Noninterest income to average assets | 0.5331% | 3,849 |
| Noninterest expense to average assets | 2.1383% | 6,795 |
| Loan and lease loss provision to assets | 1.3397% | 1,012 |
| Net operating income to assets | 0.6629% | 3,568 |
| Return on assets (ROA) | 0.6629% | 3,716 |
| Pretax return on assets | 0.9464% | 3,324 |
| Return on Equity (ROE) | 4.9480% | 4,308 |
| Retained earnings to average equity (ytd only) | 4.9480% | 2,933 |
| Net charge-offs to loans | 1.7478% | 1,072 |
| Credit loss provision to net charge-offs | 105.6693% | 3,857 |
| Earnings coverage of net charge-offs (x) | 1.8031% | 4,168 |
| Efficiency ratio | 48.3303% | 7,328 |
| Assets per employee ($millions) | 5.5087% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 3,730 |
| Loan loss allowance to noncurrent loans | 106.5158% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 1.9111% | 3,605 |
| Noncurrent loans to loans | 1.4427% | 4,548 |
| Net loans and leases to total assets | 76.0582% | 1,485 |
| Net loans and leases to deposits | 88.4304% | 2,105 |
| Net loans and leases to core deposits | 92.0449% | 2,977 |
| Total domestic deposits to total assets | 86.0091% | 3,079 |
| Equity capital to assets | 13.7913% | 1,247 |
| Core capital (leverage) ratio | 13.4748% | 1,067 |
| Tier 1 risk-based capital ratio | 16.1395% | 2,610 |
| Total risk-based capital ratio | 17.3909% | 2,570 |
| Memoranda: | ||
| Average total assets | $100,173,000 | 5,073 |
| Average earning assets | $91,105,670 | 5,061 |
| Average equity | $13,419,670 | 4,346 |
| Average total loans | $72,663,670 | 4,688 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3079% | 3,509 |
| Cost of funding earning assets | 1.1805% | 5,506 |
| Net interest margin | 4.1274% | 2,331 |
| Noninterest income to average assets | 0.5840% | 3,381 |
| Noninterest expense to average assets | 2.0739% | 7,005 |
| Loan and lease loss provision to assets | 2.4871% | 427 |
| Net operating income to assets | -0.0715% | 6,397 |
| Return on assets (ROA) | -0.0715% | 6,477 |
| Pretax return on assets | -0.2543% | 6,600 |
| Return on Equity (ROE) | -0.5417% | 6,476 |
| Retained earnings to average equity (ytd only) | -0.5417% | 5,960 |
| Net charge-offs to loans | 3.2702% | 454 |
| Credit loss provision to net charge-offs | 108.3045% | 3,180 |
| Earnings coverage of net charge-offs (x) | 0.9723% | 4,189 |
| Efficiency ratio | 48.1550% | 7,429 |
| Assets per employee ($millions) | 5.5675% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7073% | 3,041 |
| Loan loss allowance to noncurrent loans | 146.9716% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 1.6135% | 4,070 |
| Noncurrent loans to loans | 1.1616% | 5,042 |
| Net loans and leases to total assets | 68.3081% | 3,307 |
| Net loans and leases to deposits | 78.8452% | 3,873 |
| Net loans and leases to core deposits | 80.1731% | 4,739 |
| Total domestic deposits to total assets | 86.6357% | 2,825 |
| Equity capital to assets | 13.2655% | 1,412 |
| Core capital (leverage) ratio | 12.8909% | 1,252 |
| Tier 1 risk-based capital ratio | 16.6862% | 2,381 |
| Total risk-based capital ratio | 17.9374% | 2,331 |
| Memoranda: | ||
| Average total assets | $100,681,000 | 5,125 |
| Average earning assets | $90,808,000 | 5,140 |
| Average equity | $13,292,000 | 4,413 |
| Average total loans | $70,698,500 | 4,824 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1012% | 1,514 |
| Cost of funding earning assets | 1.4896% | 5,553 |
| Net interest margin | 4.6116% | 960 |
| Noninterest income to average assets | 0.2946% | 6,006 |
| Noninterest expense to average assets | 2.4330% | 6,363 |
| Loan and lease loss provision to assets | 0.9376% | 2,406 |
| Net operating income to assets | 0.7639% | 2,660 |
| Return on assets (ROA) | 0.7639% | 2,754 |
| Pretax return on assets | 1.0250% | 2,507 |
| Return on Equity (ROE) | 5.6165% | 3,374 |
| Retained earnings to average equity (ytd only) | -0.4407% | 5,077 |
| Net charge-offs to loans | 1.2063% | 2,041 |
| Credit loss provision to net charge-offs | 105.3653% | 5,256 |
| Earnings coverage of net charge-offs (x) | 2.2055% | 4,070 |
| Efficiency ratio | 55.3501% | 7,088 |
| Assets per employee ($millions) | 5.0574% | 2,144 |
| Cash dividends to net income (ytd only)* | 107.8457% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5902% | 3,325 |
| Loan loss allowance to noncurrent loans | 74.5265% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 2.3500% | 2,952 |
| Noncurrent loans to loans | 2.1337% | 3,478 |
| Net loans and leases to total assets | 69.8113% | 3,301 |
| Net loans and leases to deposits | 80.9372% | 3,810 |
| Net loans and leases to core deposits | 95.7957% | 4,486 |
| Total domestic deposits to total assets | 86.2537% | 2,888 |
| Equity capital to assets | 13.1393% | 1,453 |
| Core capital (leverage) ratio | 13.8260% | 1,014 |
| Tier 1 risk-based capital ratio | 15.0001% | 2,938 |
| Total risk-based capital ratio | 16.2430% | 2,890 |
| Memoranda: | ||
| Average total assets | $98,439,200 | 5,131 |
| Average earning assets | $87,539,600 | 5,209 |
| Average equity | $13,389,200 | 4,408 |
| Average total loans | $72,621,400 | 4,774 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1905% | 1,399 |
| Cost of funding earning assets | 1.5583% | 5,593 |
| Net interest margin | 4.6322% | 937 |
| Noninterest income to average assets | 0.2237% | 6,628 |
| Noninterest expense to average assets | 2.2244% | 6,912 |
| Loan and lease loss provision to assets | 1.1497% | 1,691 |
| Net operating income to assets | 0.7528% | 3,011 |
| Return on assets (ROA) | 0.7528% | 3,073 |
| Pretax return on assets | 0.9888% | 2,941 |
| Return on Equity (ROE) | 5.4867% | 3,745 |
| Retained earnings to average equity (ytd only) | 1.9680% | 4,225 |
| Net charge-offs to loans | 1.1514% | 1,758 |
| Credit loss provision to net charge-offs | 134.0223% | 3,718 |
| Earnings coverage of net charge-offs (x) | 2.4928% | 3,983 |
| Efficiency ratio | 50.9847% | 7,486 |
| Assets per employee ($millions) | 4.9227% | 2,238 |
| Cash dividends to net income (ytd only)* | 64.1308% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6098% | 2,949 |
| Loan loss allowance to noncurrent loans | 92.3077% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 2.4407% | 2,821 |
| Noncurrent loans to loans | 1.7440% | 4,010 |
| Net loans and leases to total assets | 81.1993% | 947 |
| Net loans and leases to deposits | 103.9679% | 778 |
| Net loans and leases to core deposits | 126.0429% | 1,727 |
| Total domestic deposits to total assets | 78.1004% | 6,057 |
| Equity capital to assets | 13.6541% | 1,431 |
| Core capital (leverage) ratio | 13.9252% | 1,111 |
| Tier 1 risk-based capital ratio | 15.1524% | 2,977 |
| Total risk-based capital ratio | 15.3806% | 3,418 |
| Memoranda: | ||
| Average total assets | $97,762,250 | 5,183 |
| Average earning assets | $87,358,000 | 5,252 |
| Average equity | $13,414,000 | 4,432 |
| Average total loans | $72,838,500 | 4,815 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8732% | 2,699 |
| Cost of funding earning assets | 1.6503% | 5,508 |
| Net interest margin | 4.2229% | 1,905 |
| Noninterest income to average assets | 0.3855% | 5,416 |
| Noninterest expense to average assets | 2.2311% | 6,971 |
| Loan and lease loss provision to assets | 0.6418% | 2,506 |
| Net operating income to assets | 0.9248% | 2,364 |
| Return on assets (ROA) | 0.9248% | 2,457 |
| Pretax return on assets | 1.2591% | 2,132 |
| Return on Equity (ROE) | 6.7292% | 3,318 |
| Retained earnings to average equity (ytd only) | 1.4473% | 4,524 |
| Net charge-offs to loans | 0.7939% | 2,092 |
| Credit loss provision to net charge-offs | 112.5899% | 4,114 |
| Earnings coverage of net charge-offs (x) | 3.3345% | 3,479 |
| Efficiency ratio | 53.9950% | 7,333 |
| Assets per employee ($millions) | 4.6283% | 2,557 |
| Cash dividends to net income (ytd only)* | 78.4922% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 3,348 |
| Loan loss allowance to noncurrent loans | 66.8047% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 3.0422% | 2,082 |
| Noncurrent loans to loans | 2.2017% | 3,251 |
| Net loans and leases to total assets | 81.7047% | 1,009 |
| Net loans and leases to deposits | 95.7463% | 1,840 |
| Net loans and leases to core deposits | 116.8681% | 2,636 |
| Total domestic deposits to total assets | 85.3346% | 3,093 |
| Equity capital to assets | 14.5033% | 1,164 |
| Core capital (leverage) ratio | 13.9866% | 1,144 |
| Tier 1 risk-based capital ratio | 16.1506% | 2,568 |
| Total risk-based capital ratio | 16.2443% | 2,962 |
| Memoranda: | ||
| Average total assets | $97,531,670 | 5,230 |
| Average earning assets | $86,528,670 | 5,319 |
| Average equity | $13,404,330 | 4,446 |
| Average total loans | $70,034,000 | 4,960 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3072% | 5,867 |
| Cost of funding earning assets | 1.7433% | 5,394 |
| Net interest margin | 3.5639% | 4,471 |
| Noninterest income to average assets | 0.3839% | 5,347 |
| Noninterest expense to average assets | 2.2197% | 6,805 |
| Loan and lease loss provision to assets | 0.3320% | 3,333 |
| Net operating income to assets | 0.6759% | 3,680 |
| Return on assets (ROA) | 0.6759% | 3,861 |
| Pretax return on assets | 0.9639% | 3,484 |
| Return on Equity (ROE) | 5.0470% | 4,457 |
| Retained earnings to average equity (ytd only) | 5.0470% | 3,095 |
| Net charge-offs to loans | 1.5479% | 935 |
| Credit loss provision to net charge-offs | 32.1705% | 4,921 |
| Earnings coverage of net charge-offs (x) | 1.2558% | 4,115 |
| Efficiency ratio | 63.1399% | 5,845 |
| Assets per employee ($millions) | 4.9315% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 3,903 |
| Loan loss allowance to noncurrent loans | 104.9087% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 2.0714% | 2,788 |
| Noncurrent loans to loans | 1.2702% | 4,445 |
| Net loans and leases to total assets | 68.9909% | 3,915 |
| Net loans and leases to deposits | 80.0699% | 4,599 |
| Net loans and leases to core deposits | 96.2869% | 4,932 |
| Total domestic deposits to total assets | 86.1633% | 2,628 |
| Equity capital to assets | 13.6877% | 1,469 |
| Core capital (leverage) ratio | 13.6225% | 1,287 |
| Tier 1 risk-based capital ratio | 17.3113% | 2,243 |
| Total risk-based capital ratio | 17.3984% | 2,576 |
| Memoranda: | ||
| Average total assets | $100,015,000 | 5,182 |
| Average earning assets | $87,880,500 | 5,293 |
| Average equity | $13,394,000 | 4,479 |
| Average total loans | $66,671,500 | 5,108 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2080% | 728 |
| Cost of funding earning assets | 2.3416% | 4,960 |
| Net interest margin | 4.8664% | 678 |
| Noninterest income to average assets | 0.5162% | 4,499 |
| Noninterest expense to average assets | 2.2066% | 6,946 |
| Loan and lease loss provision to assets | 1.3381% | 1,059 |
| Net operating income to assets | 1.0022% | 2,549 |
| Return on assets (ROA) | 1.0022% | 2,428 |
| Pretax return on assets | 1.3463% | 2,147 |
| Return on Equity (ROE) | 7.2122% | 3,427 |
| Retained earnings to average equity (ytd only) | 3.7068% | 2,837 |
| Net charge-offs to loans | 1.5297% | 755 |
| Credit loss provision to net charge-offs | 117.3636% | 4,586 |
| Earnings coverage of net charge-offs (x) | 2.3545% | 4,904 |
| Efficiency ratio | 45.1155% | 7,969 |
| Assets per employee ($millions) | 5.0701% | 1,879 |
| Cash dividends to net income (ytd only)* | 48.6039% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6993% | 1,911 |
| Loan loss allowance to noncurrent loans | 104.2898% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.8333% | 2,693 |
| Noncurrent loans to loans | 1.6294% | 3,327 |
| Net loans and leases to total assets | 62.4106% | 5,555 |
| Net loans and leases to deposits | 72.3538% | 6,015 |
| Net loans and leases to core deposits | 87.1238% | 6,050 |
| Total domestic deposits to total assets | 86.2575% | 2,283 |
| Equity capital to assets | 13.1044% | 1,744 |
| Core capital (leverage) ratio | 13.8959% | 1,279 |
| Tier 1 risk-based capital ratio | 16.0163% | 2,660 |
| Total risk-based capital ratio | 16.0583% | 3,061 |
| Memoranda: | ||
| Average total assets | $96,483,400 | 5,153 |
| Average earning assets | $86,737,400 | 5,193 |
| Average equity | $13,407,800 | 4,473 |
| Average total loans | $71,911,200 | 4,801 |