Home > Citizens Bank & Trust > Performance and Condition Ratios
Citizens Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8422% | 4,133 |
| Cost of funding earning assets | 1.0164% | 3,258 |
| Net interest margin | 2.8258% | 3,611 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.1876% | 3,163 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8334% | 2,764 |
| Return on assets (ROA) | 0.6767% | 3,230 |
| Pretax return on assets | 0.6767% | 3,486 |
| Return on Equity (ROE) | 10.5800% | 2,341 |
| Retained earnings to average equity (ytd only) | 2.6359% | 3,397 |
| Net charge-offs to loans | 0.0136% | 2,152 |
| Credit loss provision to net charge-offs | 514.2857% | 653 |
| Earnings coverage of net charge-offs (x) | 145.7143% | 723 |
| Efficiency ratio | 71.6903% | 1,690 |
| Assets per employee ($millions) | 6.4496% | 2,450 |
| Cash dividends to net income (ytd only)* | 75.0939% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 2,976 |
| Loan loss allowance to noncurrent loans | 1,009.2593% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 3,306 |
| Noncurrent loans to loans | 0.1061% | 3,008 |
| Net loans and leases to total assets | 41.0900% | 3,995 |
| Net loans and leases to deposits | 45.1767% | 4,069 |
| Net loans and leases to core deposits | 51.2437% | 4,057 |
| Total domestic deposits to total assets | 90.9500% | 521 |
| Equity capital to assets | 6.9805% | 3,947 |
| Core capital (leverage) ratio | 10.9960% | 1,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $118,075,000 | 3,669 |
| Average earning assets | $114,126,400 | 3,604 |
| Average equity | $7,549,600 | 3,984 |
| Average total loans | $51,634,600 | 3,822 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8035% | 4,111 |
| Cost of funding earning assets | 0.9411% | 3,172 |
| Net interest margin | 2.8623% | 3,611 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.2241% | 3,013 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.8265% | 2,942 |
| Return on assets (ROA) | 0.6110% | 3,506 |
| Pretax return on assets | 0.6110% | 3,718 |
| Return on Equity (ROE) | 9.7900% | 2,701 |
| Retained earnings to average equity (ytd only) | 2.4845% | 3,633 |
| Net charge-offs to loans | 0.0129% | 1,934 |
| Credit loss provision to net charge-offs | 720.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 152.2000% | 718 |
| Efficiency ratio | 71.9395% | 1,576 |
| Assets per employee ($millions) | 5.3208% | 3,332 |
| Cash dividends to net income (ytd only)* | 74.6269% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 3,313 |
| Loan loss allowance to noncurrent loans | 943.1034% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 3,287 |
| Noncurrent loans to loans | 0.1071% | 3,035 |
| Net loans and leases to total assets | 47.9700% | 3,740 |
| Net loans and leases to deposits | 52.6256% | 3,857 |
| Net loans and leases to core deposits | 60.6515% | 3,676 |
| Total domestic deposits to total assets | 91.1600% | 632 |
| Equity capital to assets | 6.1842% | 3,923 |
| Core capital (leverage) ratio | 10.8986% | 2,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $116,958,250 | 3,692 |
| Average earning assets | $113,192,250 | 3,629 |
| Average equity | $7,298,500 | 4,010 |
| Average total loans | $51,819,750 | 3,826 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6821% | 4,161 |
| Cost of funding earning assets | 0.8086% | 3,180 |
| Net interest margin | 2.8735% | 3,693 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.1887% | 3,109 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8998% | 2,754 |
| Return on assets (ROA) | 0.9065% | 2,716 |
| Pretax return on assets | 0.9065% | 3,147 |
| Return on Equity (ROE) | 14.4900% | 1,578 |
| Retained earnings to average equity (ytd only) | 6.4082% | 2,471 |
| Net charge-offs to loans | 0.0118% | 1,754 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 178.0000% | 666 |
| Efficiency ratio | 70.8674% | 1,684 |
| Assets per employee ($millions) | 5.5375% | 3,116 |
| Cash dividends to net income (ytd only)* | 55.7621% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 3,455 |
| Loan loss allowance to noncurrent loans | 754.4118% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 3,181 |
| Noncurrent loans to loans | 0.1317% | 2,812 |
| Net loans and leases to total assets | 43.9700% | 3,877 |
| Net loans and leases to deposits | 47.8637% | 3,993 |
| Net loans and leases to core deposits | 54.9597% | 3,853 |
| Total domestic deposits to total assets | 91.8600% | 445 |
| Equity capital to assets | 6.4409% | 4,016 |
| Core capital (leverage) ratio | 10.5731% | 2,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $118,699,000 | 3,690 |
| Average earning assets | $114,771,333 | 3,624 |
| Average equity | $7,428,000 | 4,024 |
| Average total loans | $51,042,333 | 3,846 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5509% | 4,214 |
| Cost of funding earning assets | 0.6764% | 3,131 |
| Net interest margin | 2.8745% | 3,826 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.1817% | 3,144 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8940% | 2,879 |
| Return on assets (ROA) | 0.9007% | 2,809 |
| Pretax return on assets | 0.9007% | 3,236 |
| Return on Equity (ROE) | 14.6000% | 1,645 |
| Retained earnings to average equity (ytd only) | 3.7853% | 3,328 |
| Net charge-offs to loans | 0.0158% | 1,378 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 651 |
| Efficiency ratio | 70.9328% | 1,648 |
| Assets per employee ($millions) | 6.0761% | 2,697 |
| Cash dividends to net income (ytd only)* | 74.0741% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 3,183 |
| Loan loss allowance to noncurrent loans | 713.8889% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 3,193 |
| Noncurrent loans to loans | 0.1505% | 2,740 |
| Net loans and leases to total assets | 38.9600% | 4,082 |
| Net loans and leases to deposits | 42.3520% | 4,152 |
| Net loans and leases to core deposits | 47.5315% | 4,063 |
| Total domestic deposits to total assets | 91.9800% | 521 |
| Equity capital to assets | 6.3939% | 4,063 |
| Core capital (leverage) ratio | 10.2456% | 2,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $119,904,500 | 3,724 |
| Average earning assets | $115,914,000 | 3,658 |
| Average equity | $7,397,000 | 4,078 |
| Average total loans | $50,742,500 | 3,897 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0198% | 4,107 |
| Cost of funding earning assets | 0.2955% | 2,917 |
| Net interest margin | 2.7243% | 4,026 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.1470% | 3,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8013% | 3,320 |
| Return on assets (ROA) | 0.7988% | 3,259 |
| Pretax return on assets | 0.7988% | 3,627 |
| Return on Equity (ROE) | 11.0400% | 2,462 |
| Retained earnings to average equity (ytd only) | 2.8364% | 3,763 |
| Net charge-offs to loans | 0.0200% | 1,691 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 94.5000% | 999 |
| Efficiency ratio | 72.8214% | 1,350 |
| Assets per employee ($millions) | 5.6327% | 3,096 |
| Cash dividends to net income (ytd only)* | 74.3100% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8484% | 3,926 |
| Loan loss allowance to noncurrent loans | 640.8451% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 3,203 |
| Noncurrent loans to loans | 0.1324% | 2,853 |
| Net loans and leases to total assets | 44.9600% | 3,849 |
| Net loans and leases to deposits | 48.9222% | 3,937 |
| Net loans and leases to core deposits | 52.8793% | 3,874 |
| Total domestic deposits to total assets | 91.8900% | 670 |
| Equity capital to assets | 5.9381% | 4,111 |
| Core capital (leverage) ratio | 10.9878% | 1,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $117,933,400 | 3,747 |
| Average earning assets | $114,048,200 | 3,685 |
| Average equity | $8,532,000 | 4,045 |
| Average total loans | $49,930,600 | 3,891 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9447% | 3,995 |
| Cost of funding earning assets | 0.2442% | 2,767 |
| Net interest margin | 2.7005% | 3,925 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.2028% | 2,927 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7331% | 3,473 |
| Return on assets (ROA) | 0.7286% | 3,428 |
| Pretax return on assets | 0.7286% | 3,743 |
| Return on Equity (ROE) | 9.6400% | 2,831 |
| Retained earnings to average equity (ytd only) | 3.6516% | 3,569 |
| Net charge-offs to loans | 0.0082% | 1,839 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 216.0000% | 595 |
| Efficiency ratio | 75.0289% | 1,173 |
| Assets per employee ($millions) | 4.8801% | 3,781 |
| Cash dividends to net income (ytd only)* | 62.1118% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9228% | 3,791 |
| Loan loss allowance to noncurrent loans | 601.2987% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 3,209 |
| Noncurrent loans to loans | 0.1535% | 2,842 |
| Net loans and leases to total assets | 44.2900% | 3,858 |
| Net loans and leases to deposits | 48.3152% | 3,940 |
| Net loans and leases to core deposits | 52.7259% | 3,820 |
| Total domestic deposits to total assets | 91.6700% | 983 |
| Equity capital to assets | 5.4748% | 4,138 |
| Core capital (leverage) ratio | 10.5981% | 2,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $117,845,000 | 3,773 |
| Average earning assets | $114,099,750 | 3,713 |
| Average equity | $8,909,000 | 4,045 |
| Average total loans | $49,005,250 | 3,927 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7952% | 3,987 |
| Cost of funding earning assets | 0.1968% | 2,957 |
| Net interest margin | 2.5983% | 3,915 |
| Noninterest income to average assets | 0.3074% | 3,321 |
| Noninterest expense to average assets | 2.1702% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6516% | 3,467 |
| Return on assets (ROA) | 0.6449% | 3,441 |
| Pretax return on assets | 0.6449% | 3,726 |
| Return on Equity (ROE) | 7.8532% | 3,057 |
| Retained earnings to average equity (ytd only) | 1.7497% | 3,813 |
| Net charge-offs to loans | 0.0041% | 1,874 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 390.0000% | 326 |
| Efficiency ratio | 76.9094% | 1,185 |
| Assets per employee ($millions) | 5.5749% | 3,151 |
| Cash dividends to net income (ytd only)* | 77.7202% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 3,911 |
| Loan loss allowance to noncurrent loans | 594.8718% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 3,311 |
| Noncurrent loans to loans | 0.1538% | 2,924 |
| Net loans and leases to total assets | 42.9095% | 3,910 |
| Net loans and leases to deposits | 47.1978% | 3,973 |
| Net loans and leases to core deposits | 51.2749% | 3,855 |
| Total domestic deposits to total assets | 90.9141% | 1,273 |
| Equity capital to assets | 6.7941% | 3,880 |
| Core capital (leverage) ratio | 10.2081% | 2,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,712,667 | 3,803 |
| Average earning assets | $115,843,000 | 3,750 |
| Average equity | $9,830,333 | 4,016 |
| Average total loans | $48,615,667 | 3,981 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6239% | 4,082 |
| Cost of funding earning assets | 0.1745% | 3,165 |
| Net interest margin | 2.4494% | 3,992 |
| Noninterest income to average assets | 0.2842% | 3,429 |
| Noninterest expense to average assets | 2.1317% | 3,041 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5189% | 3,658 |
| Return on assets (ROA) | 0.5189% | 3,626 |
| Pretax return on assets | 0.5189% | 3,838 |
| Return on Equity (ROE) | 5.8318% | 3,390 |
| Retained earnings to average equity (ytd only) | -1.5973% | 4,210 |
| Net charge-offs to loans | 0.0084% | 1,442 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 157.0000% | 517 |
| Efficiency ratio | 80.4239% | 1,119 |
| Assets per employee ($millions) | 6.0961% | 2,719 |
| Cash dividends to net income (ytd only)* | 127.3885% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 3,791 |
| Loan loss allowance to noncurrent loans | 559.0361% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 3,380 |
| Noncurrent loans to loans | 0.1759% | 2,941 |
| Net loans and leases to total assets | 38.3199% | 4,104 |
| Net loans and leases to deposits | 42.2870% | 4,150 |
| Net loans and leases to core deposits | 46.5075% | 4,047 |
| Total domestic deposits to total assets | 90.6185% | 1,235 |
| Equity capital to assets | 7.7009% | 3,798 |
| Core capital (leverage) ratio | 9.6917% | 2,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,033,000 | 3,805 |
| Average earning assets | $116,926,500 | 3,759 |
| Average equity | $10,768,500 | 3,974 |
| Average total loans | $47,574,000 | 4,016 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0754% | 3,733 |
| Cost of funding earning assets | 0.1742% | 3,725 |
| Net interest margin | 2.9012% | 3,436 |
| Noninterest income to average assets | 0.3561% | 3,306 |
| Noninterest expense to average assets | 2.0576% | 3,510 |
| Loan and lease loss provision to assets | 0.0417% | 2,217 |
| Net operating income to assets | 1.0524% | 2,477 |
| Return on assets (ROA) | 1.0675% | 2,502 |
| Pretax return on assets | 1.0675% | 3,076 |
| Return on Equity (ROE) | 9.7636% | 2,610 |
| Retained earnings to average equity (ytd only) | 4.0777% | 3,191 |
| Net charge-offs to loans | -0.0103% | 3,747 |
| Credit loss provision to net charge-offs | -940.0000% | 3,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2860% | 2,363 |
| Assets per employee ($millions) | 6.0073% | 2,769 |
| Cash dividends to net income (ytd only)* | 58.2363% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 3,870 |
| Loan loss allowance to noncurrent loans | 435.5140% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 3,315 |
| Noncurrent loans to loans | 0.2231% | 2,846 |
| Net loans and leases to total assets | 39.5339% | 4,116 |
| Net loans and leases to deposits | 44.5974% | 4,148 |
| Net loans and leases to core deposits | 47.8502% | 4,100 |
| Total domestic deposits to total assets | 88.6462% | 1,704 |
| Equity capital to assets | 10.1111% | 2,545 |
| Core capital (leverage) ratio | 10.8878% | 1,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,604,800 | 3,873 |
| Average earning assets | $108,506,600 | 3,825 |
| Average equity | $12,311,000 | 3,900 |
| Average total loans | $48,675,000 | 4,026 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1057% | 3,792 |
| Cost of funding earning assets | 0.1786% | 3,836 |
| Net interest margin | 2.9271% | 3,489 |
| Noninterest income to average assets | 0.3492% | 3,362 |
| Noninterest expense to average assets | 2.1230% | 3,297 |
| Loan and lease loss provision to assets | 0.0388% | 2,217 |
| Net operating income to assets | 1.0103% | 2,865 |
| Return on assets (ROA) | 1.0272% | 2,875 |
| Pretax return on assets | 1.0272% | 3,381 |
| Return on Equity (ROE) | 9.2076% | 3,037 |
| Retained earnings to average equity (ytd only) | 4.8899% | 3,259 |
| Net charge-offs to loans | -0.0191% | 3,943 |
| Credit loss provision to net charge-offs | -457.1429% | 3,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9324% | 1,979 |
| Assets per employee ($millions) | 5.4603% | 3,238 |
| Cash dividends to net income (ytd only)* | 46.8933% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9247% | 4,089 |
| Loan loss allowance to noncurrent loans | 361.6000% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 3,343 |
| Noncurrent loans to loans | 0.2557% | 2,910 |
| Net loans and leases to total assets | 44.3455% | 3,924 |
| Net loans and leases to deposits | 51.7531% | 3,900 |
| Net loans and leases to core deposits | 56.2168% | 3,755 |
| Total domestic deposits to total assets | 85.6867% | 2,874 |
| Equity capital to assets | 11.4490% | 1,713 |
| Core capital (leverage) ratio | 10.9552% | 1,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,719,750 | 3,934 |
| Average earning assets | $106,768,750 | 3,884 |
| Average equity | $12,351,750 | 3,946 |
| Average total loans | $48,852,750 | 4,079 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0082% | 4,031 |
| Cost of funding earning assets | 0.1791% | 3,957 |
| Net interest margin | 2.8291% | 3,724 |
| Noninterest income to average assets | 0.3399% | 3,406 |
| Noninterest expense to average assets | 2.1398% | 3,269 |
| Loan and lease loss provision to assets | 0.0486% | 2,056 |
| Net operating income to assets | 0.8775% | 3,282 |
| Return on assets (ROA) | 0.9009% | 3,297 |
| Pretax return on assets | 0.9009% | 3,664 |
| Return on Equity (ROE) | 8.1455% | 3,372 |
| Retained earnings to average equity (ytd only) | 3.2679% | 3,754 |
| Net charge-offs to loans | -0.0409% | 4,280 |
| Credit loss provision to net charge-offs | -270.0000% | 3,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7947% | 1,670 |
| Assets per employee ($millions) | 5.6139% | 3,000 |
| Cash dividends to net income (ytd only)* | 59.8802% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 4,031 |
| Loan loss allowance to noncurrent loans | 310.3448% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 3,380 |
| Noncurrent loans to loans | 0.3025% | 2,842 |
| Net loans and leases to total assets | 42.2906% | 4,161 |
| Net loans and leases to deposits | 49.6767% | 4,129 |
| Net loans and leases to core deposits | 53.2219% | 4,065 |
| Total domestic deposits to total assets | 85.1315% | 3,041 |
| Equity capital to assets | 10.9443% | 2,025 |
| Core capital (leverage) ratio | 10.3051% | 2,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,224,333 | 3,952 |
| Average earning assets | $107,173,333 | 3,903 |
| Average equity | $12,301,333 | 3,958 |
| Average total loans | $48,843,667 | 4,108 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8423% | 4,324 |
| Cost of funding earning assets | 0.1802% | 4,080 |
| Net interest margin | 2.6620% | 4,034 |
| Noninterest income to average assets | 0.3397% | 3,400 |
| Noninterest expense to average assets | 2.1572% | 3,245 |
| Loan and lease loss provision to assets | 0.0976% | 1,379 |
| Net operating income to assets | 0.6468% | 3,817 |
| Return on assets (ROA) | 0.6866% | 3,809 |
| Pretax return on assets | 0.6866% | 4,045 |
| Return on Equity (ROE) | 6.1748% | 3,814 |
| Retained earnings to average equity (ytd only) | -0.3250% | 4,393 |
| Net charge-offs to loans | -0.0568% | 4,445 |
| Credit loss provision to net charge-offs | -385.7143% | 3,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3462% | 1,277 |
| Assets per employee ($millions) | 5.7064% | 2,905 |
| Cash dividends to net income (ytd only)* | 105.2632% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 4,086 |
| Loan loss allowance to noncurrent loans | 264.4970% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 3,432 |
| Noncurrent loans to loans | 0.3500% | 2,830 |
| Net loans and leases to total assets | 41.9121% | 4,240 |
| Net loans and leases to deposits | 49.4377% | 4,195 |
| Net loans and leases to core deposits | 53.6702% | 4,106 |
| Total domestic deposits to total assets | 84.7775% | 3,192 |
| Equity capital to assets | 10.7109% | 2,074 |
| Core capital (leverage) ratio | 10.4640% | 2,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,697,500 | 3,967 |
| Average earning assets | $106,535,000 | 3,916 |
| Average equity | $12,308,000 | 3,968 |
| Average total loans | $49,299,000 | 4,116 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2774% | 4,360 |
| Cost of funding earning assets | 0.2462% | 4,397 |
| Net interest margin | 3.0312% | 3,819 |
| Noninterest income to average assets | 0.3805% | 3,207 |
| Noninterest expense to average assets | 2.3389% | 3,300 |
| Loan and lease loss provision to assets | 0.0417% | 3,877 |
| Net operating income to assets | 0.8992% | 2,703 |
| Return on assets (ROA) | 1.1973% | 1,666 |
| Pretax return on assets | 1.1973% | 2,333 |
| Return on Equity (ROE) | 9.9676% | 2,016 |
| Retained earnings to average equity (ytd only) | 4.1773% | 2,728 |
| Net charge-offs to loans | 0.5102% | 309 |
| Credit loss provision to net charge-offs | 17.5732% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.9623% | 3,042 |
| Efficiency ratio | 71.3117% | 1,772 |
| Assets per employee ($millions) | 5.3634% | 2,987 |
| Cash dividends to net income (ytd only)* | 58.0913% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8208% | 4,383 |
| Loan loss allowance to noncurrent loans | 216.2304% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 3,129 |
| Noncurrent loans to loans | 0.3796% | 2,844 |
| Net loans and leases to total assets | 46.5237% | 4,095 |
| Net loans and leases to deposits | 56.1229% | 3,986 |
| Net loans and leases to core deposits | 60.0144% | 3,944 |
| Total domestic deposits to total assets | 82.8961% | 3,441 |
| Equity capital to assets | 11.5524% | 1,846 |
| Core capital (leverage) ratio | 11.3909% | 1,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,645,000 | 3,984 |
| Average earning assets | $96,266,800 | 3,940 |
| Average equity | $12,089,200 | 3,962 |
| Average total loans | $46,846,200 | 4,166 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2452% | 4,539 |
| Cost of funding earning assets | 0.2675% | 4,442 |
| Net interest margin | 2.9777% | 4,027 |
| Noninterest income to average assets | 0.3825% | 3,170 |
| Noninterest expense to average assets | 2.3827% | 3,190 |
| Loan and lease loss provision to assets | 0.0283% | 3,979 |
| Net operating income to assets | 0.8203% | 3,015 |
| Return on assets (ROA) | 1.2230% | 1,687 |
| Pretax return on assets | 1.2230% | 2,308 |
| Return on Equity (ROE) | 10.0773% | 1,991 |
| Retained earnings to average equity (ytd only) | 5.6380% | 2,271 |
| Net charge-offs to loans | 0.6815% | 207 |
| Credit loss provision to net charge-offs | 8.9362% | 3,000 |
| Earnings coverage of net charge-offs (x) | 2.6809% | 2,971 |
| Efficiency ratio | 73.7391% | 1,433 |
| Assets per employee ($millions) | 4.4956% | 3,853 |
| Cash dividends to net income (ytd only)* | 44.0529% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7642% | 4,445 |
| Loan loss allowance to noncurrent loans | 196.0396% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 3,415 |
| Noncurrent loans to loans | 0.3898% | 2,896 |
| Net loans and leases to total assets | 51.9949% | 3,967 |
| Net loans and leases to deposits | 65.0217% | 3,701 |
| Net loans and leases to core deposits | 70.7408% | 3,575 |
| Total domestic deposits to total assets | 79.9654% | 3,872 |
| Equity capital to assets | 12.5597% | 1,398 |
| Core capital (leverage) ratio | 11.7492% | 1,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,989,250 | 4,005 |
| Average earning assets | $94,702,750 | 3,956 |
| Average equity | $12,013,500 | 3,975 |
| Average total loans | $45,978,250 | 4,210 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2438% | 4,688 |
| Cost of funding earning assets | 0.2982% | 4,489 |
| Net interest margin | 2.9456% | 4,230 |
| Noninterest income to average assets | 0.3696% | 3,261 |
| Noninterest expense to average assets | 2.4157% | 3,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7675% | 3,167 |
| Return on assets (ROA) | 1.3715% | 1,269 |
| Pretax return on assets | 1.3715% | 1,799 |
| Return on Equity (ROE) | 11.4335% | 1,500 |
| Retained earnings to average equity (ytd only) | 6.3819% | 1,906 |
| Net charge-offs to loans | -0.0681% | 4,759 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8883% | 1,277 |
| Assets per employee ($millions) | 4.7095% | 3,520 |
| Cash dividends to net income (ytd only)* | 44.1826% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 1,995 |
| Loan loss allowance to noncurrent loans | 153.5627% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 2,648 |
| Noncurrent loans to loans | 0.8476% | 1,793 |
| Net loans and leases to total assets | 47.9206% | 4,261 |
| Net loans and leases to deposits | 59.1991% | 4,157 |
| Net loans and leases to core deposits | 65.4500% | 3,994 |
| Total domestic deposits to total assets | 80.9482% | 3,621 |
| Equity capital to assets | 12.3773% | 1,438 |
| Core capital (leverage) ratio | 11.5273% | 1,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8374% | 513 |
| Memoranda: | ||
| Average total assets | $99,017,667 | 4,007 |
| Average earning assets | $94,580,333 | 3,960 |
| Average equity | $11,877,333 | 3,997 |
| Average total loans | $44,030,667 | 4,259 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4007% | 4,732 |
| Cost of funding earning assets | 0.3481% | 4,522 |
| Net interest margin | 3.0525% | 4,200 |
| Noninterest income to average assets | 0.4320% | 2,899 |
| Noninterest expense to average assets | 2.4304% | 3,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9043% | 2,512 |
| Return on assets (ROA) | 0.9043% | 2,616 |
| Pretax return on assets | 0.9043% | 3,131 |
| Return on Equity (ROE) | 7.6611% | 2,649 |
| Retained earnings to average equity (ytd only) | 0.8208% | 3,784 |
| Net charge-offs to loans | -0.1237% | 4,861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8814% | 1,951 |
| Assets per employee ($millions) | 4.8916% | 2,764 |
| Cash dividends to net income (ytd only)* | 89.2857% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 1,365 |
| Loan loss allowance to noncurrent loans | 154.9751% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 2,815 |
| Noncurrent loans to loans | 0.9643% | 1,704 |
| Net loans and leases to total assets | 41.9754% | 4,593 |
| Net loans and leases to deposits | 51.6404% | 4,535 |
| Net loans and leases to core deposits | 56.8704% | 4,468 |
| Total domestic deposits to total assets | 81.2841% | 3,606 |
| Equity capital to assets | 12.2466% | 1,888 |
| Core capital (leverage) ratio | 11.3244% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8196% | 504 |
| Memoranda: | ||
| Average total assets | $99,077,000 | 4,007 |
| Average earning assets | $94,216,500 | 3,957 |
| Average equity | $11,695,500 | 4,037 |
| Average total loans | $42,037,000 | 4,331 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6819% | 4,695 |
| Cost of funding earning assets | 0.3849% | 4,493 |
| Net interest margin | 3.2970% | 3,997 |
| Noninterest income to average assets | 0.4422% | 3,047 |
| Noninterest expense to average assets | 2.5695% | 3,260 |
| Loan and lease loss provision to assets | 0.0064% | 3,878 |
| Net operating income to assets | 1.0078% | 2,823 |
| Return on assets (ROA) | 1.0078% | 2,908 |
| Pretax return on assets | 1.0078% | 3,447 |
| Return on Equity (ROE) | 8.5456% | 2,924 |
| Retained earnings to average equity (ytd only) | 2.2356% | 3,893 |
| Net charge-offs to loans | 0.0539% | 2,333 |
| Credit loss provision to net charge-offs | 26.0870% | 3,296 |
| Earnings coverage of net charge-offs (x) | 41.4783% | 1,286 |
| Efficiency ratio | 71.6998% | 1,909 |
| Assets per employee ($millions) | 4.5601% | 3,140 |
| Cash dividends to net income (ytd only)* | 73.8397% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 1,396 |
| Loan loss allowance to noncurrent loans | 274.7748% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 3,568 |
| Noncurrent loans to loans | 0.5238% | 2,615 |
| Net loans and leases to total assets | 41.6415% | 4,686 |
| Net loans and leases to deposits | 51.1159% | 4,643 |
| Net loans and leases to core deposits | 55.4000% | 4,611 |
| Total domestic deposits to total assets | 81.4649% | 3,662 |
| Equity capital to assets | 11.3733% | 2,642 |
| Core capital (leverage) ratio | 11.3329% | 2,226 |
| Tier 1 risk-based capital ratio | 21.4969% | 1,084 |
| Total risk-based capital ratio | 22.6836% | 1,073 |
| Memoranda: | ||
| Average total assets | $94,064,800 | 4,083 |
| Average earning assets | $89,627,400 | 4,052 |
| Average equity | $11,093,400 | 4,115 |
| Average total loans | $42,705,800 | 4,347 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7040% | 4,780 |
| Cost of funding earning assets | 0.3873% | 4,544 |
| Net interest margin | 3.3167% | 4,063 |
| Noninterest income to average assets | 0.4468% | 3,038 |
| Noninterest expense to average assets | 2.6133% | 3,131 |
| Loan and lease loss provision to assets | 0.0086% | 3,715 |
| Net operating income to assets | 0.9974% | 2,993 |
| Return on assets (ROA) | 0.9974% | 3,069 |
| Pretax return on assets | 0.9974% | 3,606 |
| Return on Equity (ROE) | 8.3768% | 3,164 |
| Retained earnings to average equity (ytd only) | 3.5347% | 3,639 |
| Net charge-offs to loans | 0.0436% | 2,221 |
| Credit loss provision to net charge-offs | 42.8571% | 2,835 |
| Earnings coverage of net charge-offs (x) | 49.8468% | 1,196 |
| Efficiency ratio | 72.2023% | 1,803 |
| Assets per employee ($millions) | 4.3099% | 3,471 |
| Cash dividends to net income (ytd only)* | 57.8037% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 1,325 |
| Loan loss allowance to noncurrent loans | 290.6103% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 3,715 |
| Noncurrent loans to loans | 0.5068% | 2,776 |
| Net loans and leases to total assets | 41.7757% | 4,754 |
| Net loans and leases to deposits | 48.6519% | 4,806 |
| Net loans and leases to core deposits | 61.3305% | 4,485 |
| Total domestic deposits to total assets | 85.8666% | 2,049 |
| Equity capital to assets | 11.5155% | 2,646 |
| Core capital (leverage) ratio | 12.2272% | 1,716 |
| Tier 1 risk-based capital ratio | 22.8147% | 964 |
| Total risk-based capital ratio | 24.0734% | 943 |
| Memoranda: | ||
| Average total assets | $92,500,250 | 4,156 |
| Average earning assets | $88,479,750 | 4,116 |
| Average equity | $11,014,250 | 4,159 |
| Average total loans | $42,785,750 | 4,397 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7665% | 4,753 |
| Cost of funding earning assets | 0.3848% | 4,562 |
| Net interest margin | 3.3817% | 3,951 |
| Noninterest income to average assets | 0.4652% | 2,878 |
| Noninterest expense to average assets | 2.6625% | 3,027 |
| Loan and lease loss provision to assets | 0.0133% | 3,507 |
| Net operating income to assets | 1.0211% | 2,840 |
| Return on assets (ROA) | 1.0211% | 2,922 |
| Pretax return on assets | 1.0211% | 3,469 |
| Return on Equity (ROE) | 8.4737% | 3,079 |
| Retained earnings to average equity (ytd only) | 2.9594% | 3,734 |
| Net charge-offs to loans | 0.0418% | 2,060 |
| Credit loss provision to net charge-offs | 66.6667% | 2,348 |
| Earnings coverage of net charge-offs (x) | 51.8889% | 1,067 |
| Efficiency ratio | 72.0192% | 1,916 |
| Assets per employee ($millions) | 3.8387% | 4,077 |
| Cash dividends to net income (ytd only)* | 65.0759% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 1,454 |
| Loan loss allowance to noncurrent loans | 295.7346% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 3,615 |
| Noncurrent loans to loans | 0.4877% | 2,818 |
| Net loans and leases to total assets | 48.2994% | 4,557 |
| Net loans and leases to deposits | 57.4918% | 4,539 |
| Net loans and leases to core deposits | 63.5027% | 4,432 |
| Total domestic deposits to total assets | 84.0108% | 2,857 |
| Equity capital to assets | 12.7635% | 1,711 |
| Core capital (leverage) ratio | 12.3079% | 1,633 |
| Tier 1 risk-based capital ratio | 22.3611% | 1,017 |
| Total risk-based capital ratio | 23.6173% | 992 |
| Memoranda: | ||
| Average total assets | $90,291,330 | 4,218 |
| Average earning assets | $86,288,000 | 4,170 |
| Average equity | $10,880,670 | 4,189 |
| Average total loans | $43,037,670 | 4,418 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6864% | 4,868 |
| Cost of funding earning assets | 0.3764% | 4,582 |
| Net interest margin | 3.3100% | 4,141 |
| Noninterest income to average assets | 0.4425% | 2,894 |
| Noninterest expense to average assets | 2.6333% | 3,107 |
| Loan and lease loss provision to assets | 0.0263% | 3,083 |
| Net operating income to assets | 0.9420% | 3,080 |
| Return on assets (ROA) | 0.9420% | 3,123 |
| Pretax return on assets | 0.9420% | 3,637 |
| Return on Equity (ROE) | 8.0475% | 3,243 |
| Retained earnings to average equity (ytd only) | 0.5615% | 4,418 |
| Net charge-offs to loans | 0.1025% | 1,126 |
| Credit loss provision to net charge-offs | 54.5455% | 1,945 |
| Earnings coverage of net charge-offs (x) | 20.0909% | 1,571 |
| Efficiency ratio | 73.1144% | 1,865 |
| Assets per employee ($millions) | 3.9967% | 3,930 |
| Cash dividends to net income (ytd only)* | 93.0233% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 1,360 |
| Loan loss allowance to noncurrent loans | 300.4831% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 3,726 |
| Noncurrent loans to loans | 0.4969% | 2,825 |
| Net loans and leases to total assets | 44.6397% | 4,717 |
| Net loans and leases to deposits | 52.3105% | 4,744 |
| Net loans and leases to core deposits | 59.2213% | 4,601 |
| Total domestic deposits to total assets | 85.3359% | 2,554 |
| Equity capital to assets | 11.8227% | 2,140 |
| Core capital (leverage) ratio | 11.8849% | 1,841 |
| Tier 1 risk-based capital ratio | 22.3804% | 1,003 |
| Total risk-based capital ratio | 23.6382% | 983 |
| Memoranda: | ||
| Average total assets | $91,291,500 | 4,243 |
| Average earning assets | $87,130,500 | 4,199 |
| Average equity | $10,686,500 | 4,239 |
| Average total loans | $42,922,500 | 4,466 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5812% | 4,821 |
| Cost of funding earning assets | 0.3081% | 4,533 |
| Net interest margin | 3.2731% | 4,328 |
| Noninterest income to average assets | 0.5152% | 2,748 |
| Noninterest expense to average assets | 2.5051% | 3,598 |
| Loan and lease loss provision to assets | 0.0400% | 3,390 |
| Net operating income to assets | 1.0960% | 2,615 |
| Return on assets (ROA) | 1.0960% | 2,615 |
| Pretax return on assets | 1.0960% | 3,288 |
| Return on Equity (ROE) | 9.5291% | 2,734 |
| Retained earnings to average equity (ytd only) | 2.7709% | 4,015 |
| Net charge-offs to loans | 0.0092% | 3,365 |
| Credit loss provision to net charge-offs | 900.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 255.7500% | 375 |
| Efficiency ratio | 68.8015% | 2,420 |
| Assets per employee ($millions) | 4.1208% | 3,717 |
| Cash dividends to net income (ytd only)* | 70.9220% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 1,563 |
| Loan loss allowance to noncurrent loans | 273.7991% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.2526% | 3,578 |
| Noncurrent loans to loans | 0.5182% | 2,723 |
| Net loans and leases to total assets | 48.0498% | 4,635 |
| Net loans and leases to deposits | 56.2070% | 4,654 |
| Net loans and leases to core deposits | 61.0320% | 4,587 |
| Total domestic deposits to total assets | 85.4872% | 2,441 |
| Equity capital to assets | 11.5875% | 2,187 |
| Core capital (leverage) ratio | 12.5723% | 1,420 |
| Tier 1 risk-based capital ratio | 21.0888% | 1,146 |
| Total risk-based capital ratio | 22.3085% | 1,135 |
| Memoranda: | ||
| Average total assets | $90,055,800 | 4,269 |
| Average earning assets | $86,004,800 | 4,219 |
| Average equity | $10,357,800 | 4,257 |
| Average total loans | $43,486,000 | 4,462 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5445% | 4,885 |
| Cost of funding earning assets | 0.3117% | 4,437 |
| Net interest margin | 3.2329% | 4,446 |
| Noninterest income to average assets | 0.5146% | 2,773 |
| Noninterest expense to average assets | 2.5463% | 3,453 |
| Loan and lease loss provision to assets | 0.0400% | 3,202 |
| Net operating income to assets | 1.0203% | 3,002 |
| Return on assets (ROA) | 1.0203% | 3,018 |
| Pretax return on assets | 1.0203% | 3,661 |
| Return on Equity (ROE) | 8.8878% | 3,137 |
| Retained earnings to average equity (ytd only) | 3.7205% | 3,915 |
| Net charge-offs to loans | -0.0215% | 4,653 |
| Credit loss provision to net charge-offs | -385.7143% | 4,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6003% | 2,105 |
| Assets per employee ($millions) | 3.8725% | 4,073 |
| Cash dividends to net income (ytd only)* | 58.1396% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 1,582 |
| Loan loss allowance to noncurrent loans | 248.6166% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 3,201 |
| Noncurrent loans to loans | 0.5763% | 2,649 |
| Net loans and leases to total assets | 50.7923% | 4,541 |
| Net loans and leases to deposits | 61.0015% | 4,496 |
| Net loans and leases to core deposits | 67.0988% | 4,349 |
| Total domestic deposits to total assets | 83.2641% | 3,212 |
| Equity capital to assets | 12.0678% | 1,861 |
| Core capital (leverage) ratio | 12.5973% | 1,457 |
| Tier 1 risk-based capital ratio | 20.9989% | 1,187 |
| Total risk-based capital ratio | 22.2190% | 1,168 |
| Memoranda: | ||
| Average total assets | $89,905,250 | 4,311 |
| Average earning assets | $85,990,000 | 4,266 |
| Average equity | $10,321,000 | 4,304 |
| Average total loans | $43,310,500 | 4,519 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4608% | 4,968 |
| Cost of funding earning assets | 0.3082% | 4,364 |
| Net interest margin | 3.1526% | 4,610 |
| Noninterest income to average assets | 0.5116% | 2,793 |
| Noninterest expense to average assets | 2.4968% | 3,640 |
| Loan and lease loss provision to assets | 0.0394% | 3,118 |
| Net operating income to assets | 0.9948% | 3,045 |
| Return on assets (ROA) | 0.9948% | 3,042 |
| Pretax return on assets | 0.9948% | 3,681 |
| Return on Equity (ROE) | 8.8056% | 3,110 |
| Retained earnings to average equity (ytd only) | 2.9997% | 4,054 |
| Net charge-offs to loans | -0.0139% | 4,432 |
| Credit loss provision to net charge-offs | -600.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7121% | 2,210 |
| Assets per employee ($millions) | 3.9749% | 3,941 |
| Cash dividends to net income (ytd only)* | 65.9341% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 1,689 |
| Loan loss allowance to noncurrent loans | 245.4183% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 3,321 |
| Noncurrent loans to loans | 0.5777% | 2,691 |
| Net loans and leases to total assets | 48.9794% | 4,663 |
| Net loans and leases to deposits | 58.8920% | 4,595 |
| Net loans and leases to core deposits | 65.2037% | 4,412 |
| Total domestic deposits to total assets | 83.1681% | 3,361 |
| Equity capital to assets | 11.7397% | 2,028 |
| Core capital (leverage) ratio | 11.8584% | 1,797 |
| Tier 1 risk-based capital ratio | 20.8814% | 1,201 |
| Total risk-based capital ratio | 22.0864% | 1,176 |
| Memoranda: | ||
| Average total assets | $91,475,670 | 4,330 |
| Average earning assets | $87,609,330 | 4,265 |
| Average equity | $10,334,330 | 4,335 |
| Average total loans | $43,113,670 | 4,563 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3536% | 5,071 |
| Cost of funding earning assets | 0.2947% | 4,390 |
| Net interest margin | 3.0589% | 4,779 |
| Noninterest income to average assets | 0.4664% | 3,019 |
| Noninterest expense to average assets | 2.4259% | 3,874 |
| Loan and lease loss provision to assets | 0.0385% | 2,979 |
| Net operating income to assets | 0.9327% | 3,147 |
| Return on assets (ROA) | 0.9327% | 3,167 |
| Pretax return on assets | 0.9327% | 3,748 |
| Return on Equity (ROE) | 8.4101% | 3,187 |
| Retained earnings to average equity (ytd only) | 0.6944% | 4,687 |
| Net charge-offs to loans | -0.0186% | 4,518 |
| Credit loss provision to net charge-offs | -450.0000% | 3,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4106% | 2,277 |
| Assets per employee ($millions) | 4.2719% | 3,529 |
| Cash dividends to net income (ytd only)* | 91.7431% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 1,602 |
| Loan loss allowance to noncurrent loans | 258.2979% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 3,574 |
| Noncurrent loans to loans | 0.5665% | 2,841 |
| Net loans and leases to total assets | 43.4934% | 4,920 |
| Net loans and leases to deposits | 51.6137% | 4,893 |
| Net loans and leases to core deposits | 58.1252% | 4,744 |
| Total domestic deposits to total assets | 84.2672% | 3,208 |
| Equity capital to assets | 10.9010% | 2,680 |
| Core capital (leverage) ratio | 11.3409% | 2,129 |
| Tier 1 risk-based capital ratio | 21.5689% | 1,113 |
| Total risk-based capital ratio | 22.8114% | 1,089 |
| Memoranda: | ||
| Average total assets | $93,490,000 | 4,339 |
| Average earning assets | $89,575,000 | 4,274 |
| Average equity | $10,368,500 | 4,370 |
| Average total loans | $42,947,000 | 4,612 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3722% | 4,978 |
| Cost of funding earning assets | 0.2338% | 4,695 |
| Net interest margin | 3.1384% | 4,606 |
| Noninterest income to average assets | 0.5559% | 2,678 |
| Noninterest expense to average assets | 2.3266% | 4,267 |
| Loan and lease loss provision to assets | 0.0195% | 3,907 |
| Net operating income to assets | 1.2061% | 1,504 |
| Return on assets (ROA) | 1.2386% | 1,414 |
| Pretax return on assets | 1.2386% | 2,598 |
| Return on Equity (ROE) | 10.9411% | 1,506 |
| Retained earnings to average equity (ytd only) | 4.2405% | 2,618 |
| Net charge-offs to loans | 0.0395% | 3,011 |
| Credit loss provision to net charge-offs | 105.8824% | 2,432 |
| Earnings coverage of net charge-offs (x) | 66.5294% | 886 |
| Efficiency ratio | 65.4973% | 3,339 |
| Assets per employee ($millions) | 4.2272% | 3,616 |
| Cash dividends to net income (ytd only)* | 61.2423% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 2,023 |
| Loan loss allowance to noncurrent loans | 193.8111% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 3,550 |
| Noncurrent loans to loans | 0.6913% | 2,487 |
| Net loans and leases to total assets | 47.1150% | 4,823 |
| Net loans and leases to deposits | 56.3195% | 4,783 |
| Net loans and leases to core deposits | 60.8657% | 4,711 |
| Total domestic deposits to total assets | 83.6566% | 3,326 |
| Equity capital to assets | 11.2820% | 2,378 |
| Core capital (leverage) ratio | 11.8639% | 1,683 |
| Tier 1 risk-based capital ratio | 20.4919% | 1,227 |
| Total risk-based capital ratio | 21.6608% | 1,218 |
| Memoranda: | ||
| Average total assets | $92,281,400 | 4,386 |
| Average earning assets | $88,101,600 | 4,332 |
| Average equity | $10,446,800 | 4,385 |
| Average total loans | $42,994,600 | 4,644 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3639% | 5,014 |
| Cost of funding earning assets | 0.2305% | 4,740 |
| Net interest margin | 3.1334% | 4,612 |
| Noninterest income to average assets | 0.5516% | 2,721 |
| Noninterest expense to average assets | 2.3756% | 4,079 |
| Loan and lease loss provision to assets | 0.0130% | 3,886 |
| Net operating income to assets | 1.1538% | 1,863 |
| Return on assets (ROA) | 1.1972% | 1,738 |
| Pretax return on assets | 1.1972% | 2,919 |
| Return on Equity (ROE) | 10.5662% | 1,873 |
| Retained earnings to average equity (ytd only) | 5.4556% | 2,563 |
| Net charge-offs to loans | -0.0094% | 4,619 |
| Credit loss provision to net charge-offs | -300.0000% | 4,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0617% | 3,038 |
| Assets per employee ($millions) | 4.2036% | 3,637 |
| Cash dividends to net income (ytd only)* | 48.3676% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 2,207 |
| Loan loss allowance to noncurrent loans | 185.8896% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 3,554 |
| Noncurrent loans to loans | 0.7156% | 2,569 |
| Net loans and leases to total assets | 50.9227% | 4,650 |
| Net loans and leases to deposits | 62.5341% | 4,475 |
| Net loans and leases to core deposits | 67.4752% | 4,383 |
| Total domestic deposits to total assets | 81.4319% | 3,936 |
| Equity capital to assets | 12.2492% | 1,808 |
| Core capital (leverage) ratio | 11.8942% | 1,756 |
| Tier 1 risk-based capital ratio | 19.9023% | 1,378 |
| Total risk-based capital ratio | 21.0487% | 1,371 |
| Memoranda: | ||
| Average total assets | $92,102,250 | 4,427 |
| Average earning assets | $87,912,000 | 4,377 |
| Average equity | $10,435,500 | 4,428 |
| Average total loans | $42,640,500 | 4,698 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2805% | 5,131 |
| Cost of funding earning assets | 0.2223% | 4,786 |
| Net interest margin | 3.0582% | 4,775 |
| Noninterest income to average assets | 0.5419% | 2,759 |
| Noninterest expense to average assets | 2.4096% | 4,027 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0495% | 2,208 |
| Return on assets (ROA) | 1.1159% | 1,950 |
| Pretax return on assets | 1.1159% | 3,109 |
| Return on Equity (ROE) | 10.1070% | 1,991 |
| Retained earnings to average equity (ytd only) | 4.2872% | 3,156 |
| Net charge-offs to loans | -0.0192% | 4,768 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6594% | 2,737 |
| Assets per employee ($millions) | 4.2679% | 3,494 |
| Cash dividends to net income (ytd only)* | 57.5816% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 2,020 |
| Loan loss allowance to noncurrent loans | 208.3624% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 3,844 |
| Noncurrent loans to loans | 0.6641% | 2,758 |
| Net loans and leases to total assets | 47.5492% | 4,849 |
| Net loans and leases to deposits | 56.7963% | 4,817 |
| Net loans and leases to core deposits | 61.9878% | 4,718 |
| Total domestic deposits to total assets | 83.7188% | 3,315 |
| Equity capital to assets | 11.8404% | 2,048 |
| Core capital (leverage) ratio | 11.2796% | 2,146 |
| Tier 1 risk-based capital ratio | 20.1361% | 1,343 |
| Total risk-based capital ratio | 21.3035% | 1,326 |
| Memoranda: | ||
| Average total assets | $93,378,000 | 4,431 |
| Average earning assets | $89,070,670 | 4,375 |
| Average equity | $10,309,670 | 4,467 |
| Average total loans | $41,668,000 | 4,754 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1987% | 5,250 |
| Cost of funding earning assets | 0.2115% | 4,869 |
| Net interest margin | 2.9873% | 4,914 |
| Noninterest income to average assets | 0.4829% | 3,089 |
| Noninterest expense to average assets | 2.2802% | 4,458 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0498% | 2,071 |
| Return on assets (ROA) | 1.0498% | 2,118 |
| Pretax return on assets | 1.0498% | 3,172 |
| Return on Equity (ROE) | 9.8440% | 2,030 |
| Retained earnings to average equity (ytd only) | 1.9688% | 4,344 |
| Net charge-offs to loans | -0.0098% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4741% | 3,131 |
| Assets per employee ($millions) | 4.0967% | 3,846 |
| Cash dividends to net income (ytd only)* | 80.0000% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4604% | 1,825 |
| Loan loss allowance to noncurrent loans | 255.3648% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 4,223 |
| Noncurrent loans to loans | 0.5719% | 3,090 |
| Net loans and leases to total assets | 42.6091% | 5,128 |
| Net loans and leases to deposits | 50.3139% | 5,116 |
| Net loans and leases to core deposits | 55.6668% | 4,998 |
| Total domestic deposits to total assets | 84.6865% | 3,222 |
| Equity capital to assets | 10.9537% | 2,682 |
| Core capital (leverage) ratio | 10.6888% | 2,696 |
| Tier 1 risk-based capital ratio | 20.5253% | 1,296 |
| Total risk-based capital ratio | 21.7272% | 1,272 |
| Memoranda: | ||
| Average total assets | $95,254,500 | 4,439 |
| Average earning assets | $90,785,500 | 4,378 |
| Average equity | $10,158,500 | 4,517 |
| Average total loans | $40,895,000 | 4,817 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2246% | 5,264 |
| Cost of funding earning assets | 0.2113% | 4,913 |
| Net interest margin | 3.0133% | 4,930 |
| Noninterest income to average assets | 0.5537% | 2,896 |
| Noninterest expense to average assets | 2.2974% | 4,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1400% | 1,732 |
| Return on assets (ROA) | 1.1400% | 1,827 |
| Pretax return on assets | 1.1422% | 2,928 |
| Return on Equity (ROE) | 9.9937% | 1,958 |
| Retained earnings to average equity (ytd only) | 3.3185% | 3,553 |
| Net charge-offs to loans | 0.1042% | 2,226 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,603 |
| Efficiency ratio | 66.7932% | 3,470 |
| Assets per employee ($millions) | 4.3766% | 3,318 |
| Cash dividends to net income (ytd only)* | 66.7939% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 1,882 |
| Loan loss allowance to noncurrent loans | 268.7783% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 4,389 |
| Noncurrent loans to loans | 0.5384% | 3,235 |
| Net loans and leases to total assets | 42.0138% | 5,230 |
| Net loans and leases to deposits | 48.7656% | 5,262 |
| Net loans and leases to core deposits | 51.9661% | 5,228 |
| Total domestic deposits to total assets | 86.1546% | 2,510 |
| Equity capital to assets | 10.3817% | 3,294 |
| Core capital (leverage) ratio | 10.9656% | 2,376 |
| Tier 1 risk-based capital ratio | 20.0727% | 1,361 |
| Total risk-based capital ratio | 21.2518% | 1,341 |
| Memoranda: | ||
| Average total assets | $91,931,400 | 4,513 |
| Average earning assets | $88,042,200 | 4,439 |
| Average equity | $10,486,600 | 4,493 |
| Average total loans | $40,307,800 | 4,869 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2435% | 5,294 |
| Cost of funding earning assets | 0.2110% | 4,966 |
| Net interest margin | 3.0325% | 4,949 |
| Noninterest income to average assets | 0.5533% | 2,900 |
| Noninterest expense to average assets | 2.3278% | 4,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1331% | 1,868 |
| Return on assets (ROA) | 1.1331% | 1,980 |
| Pretax return on assets | 1.1360% | 3,093 |
| Return on Equity (ROE) | 9.7020% | 2,187 |
| Retained earnings to average equity (ytd only) | 4.6751% | 3,039 |
| Net charge-offs to loans | 0.1263% | 1,698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 20.3665% | 1,876 |
| Efficiency ratio | 67.2034% | 3,381 |
| Assets per employee ($millions) | 4.1017% | 3,785 |
| Cash dividends to net income (ytd only)* | 51.8134% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4681% | 1,898 |
| Loan loss allowance to noncurrent loans | 258.8745% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 4,418 |
| Noncurrent loans to loans | 0.5671% | 3,302 |
| Net loans and leases to total assets | 44.4779% | 5,161 |
| Net loans and leases to deposits | 52.7730% | 5,168 |
| Net loans and leases to core deposits | 56.9790% | 5,100 |
| Total domestic deposits to total assets | 84.2816% | 3,105 |
| Equity capital to assets | 12.0958% | 2,043 |
| Core capital (leverage) ratio | 11.3545% | 2,155 |
| Tier 1 risk-based capital ratio | 20.9115% | 1,288 |
| Total risk-based capital ratio | 22.1433% | 1,269 |
| Memoranda: | ||
| Average total assets | $90,843,000 | 4,563 |
| Average earning assets | $87,187,000 | 4,489 |
| Average equity | $10,609,250 | 4,519 |
| Average total loans | $40,123,000 | 4,918 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1930% | 5,440 |
| Cost of funding earning assets | 0.2080% | 5,068 |
| Net interest margin | 2.9850% | 5,109 |
| Noninterest income to average assets | 0.5316% | 2,998 |
| Noninterest expense to average assets | 2.3197% | 4,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0764% | 2,058 |
| Return on assets (ROA) | 1.0764% | 2,183 |
| Pretax return on assets | 1.0808% | 3,279 |
| Return on Equity (ROE) | 9.3268% | 2,347 |
| Retained earnings to average equity (ytd only) | 3.6165% | 3,590 |
| Net charge-offs to loans | 0.1603% | 1,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 15.3750% | 1,995 |
| Efficiency ratio | 68.2171% | 3,294 |
| Assets per employee ($millions) | 4.2829% | 3,399 |
| Cash dividends to net income (ytd only)* | 61.2245% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 1,712 |
| Loan loss allowance to noncurrent loans | 202.0067% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 4,152 |
| Noncurrent loans to loans | 0.7630% | 2,838 |
| Net loans and leases to total assets | 42.8986% | 5,290 |
| Net loans and leases to deposits | 51.2956% | 5,283 |
| Net loans and leases to core deposits | 55.9377% | 5,177 |
| Total domestic deposits to total assets | 83.6302% | 3,409 |
| Equity capital to assets | 12.0436% | 2,096 |
| Core capital (leverage) ratio | 11.1377% | 2,292 |
| Tier 1 risk-based capital ratio | 20.9951% | 1,268 |
| Total risk-based capital ratio | 22.2479% | 1,256 |
| Memoranda: | ||
| Average total assets | $91,044,670 | 4,603 |
| Average earning assets | $87,503,330 | 4,515 |
| Average equity | $10,507,330 | 4,568 |
| Average total loans | $39,919,330 | 4,971 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1939% | 5,488 |
| Cost of funding earning assets | 0.2042% | 5,160 |
| Net interest margin | 2.9897% | 5,145 |
| Noninterest income to average assets | 0.5502% | 2,804 |
| Noninterest expense to average assets | 2.2402% | 4,804 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1791% | 1,619 |
| Return on assets (ROA) | 1.1791% | 1,721 |
| Pretax return on assets | 1.1878% | 2,747 |
| Return on Equity (ROE) | 10.4398% | 1,801 |
| Retained earnings to average equity (ytd only) | 2.7066% | 4,161 |
| Net charge-offs to loans | 0.0099% | 2,791 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 272.0000% | 221 |
| Efficiency ratio | 65.3503% | 3,910 |
| Assets per employee ($millions) | 4.1359% | 3,697 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6024% | 1,603 |
| Loan loss allowance to noncurrent loans | 211.6667% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 4,174 |
| Noncurrent loans to loans | 0.7571% | 2,941 |
| Net loans and leases to total assets | 42.8535% | 5,307 |
| Net loans and leases to deposits | 50.2487% | 5,326 |
| Net loans and leases to core deposits | 55.4541% | 5,166 |
| Total domestic deposits to total assets | 85.2828% | 3,007 |
| Equity capital to assets | 11.5201% | 2,427 |
| Core capital (leverage) ratio | 10.8290% | 2,593 |
| Tier 1 risk-based capital ratio | 21.1562% | 1,289 |
| Total risk-based capital ratio | 22.4103% | 1,264 |
| Memoranda: | ||
| Average total assets | $91,597,000 | 4,628 |
| Average earning assets | $88,169,000 | 4,543 |
| Average equity | $10,345,000 | 4,609 |
| Average total loans | $40,285,500 | 5,000 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2304% | 5,470 |
| Cost of funding earning assets | 0.2062% | 5,226 |
| Net interest margin | 3.0242% | 5,080 |
| Noninterest income to average assets | 0.5950% | 2,738 |
| Noninterest expense to average assets | 2.2316% | 4,972 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2782% | 1,327 |
| Return on assets (ROA) | 1.2782% | 1,370 |
| Pretax return on assets | 1.2782% | 2,367 |
| Return on Equity (ROE) | 11.3375% | 1,488 |
| Retained earnings to average equity (ytd only) | 4.4063% | 2,841 |
| Net charge-offs to loans | 0.0183% | 3,914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 163.5714% | 396 |
| Efficiency ratio | 63.5814% | 4,357 |
| Assets per employee ($millions) | 4.1911% | 3,582 |
| Cash dividends to net income (ytd only)* | 61.1354% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5533% | 1,787 |
| Loan loss allowance to noncurrent loans | 200.6309% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 4,142 |
| Noncurrent loans to loans | 0.7742% | 2,853 |
| Net loans and leases to total assets | 43.7156% | 5,297 |
| Net loans and leases to deposits | 50.7510% | 5,348 |
| Net loans and leases to core deposits | 54.0184% | 5,314 |
| Total domestic deposits to total assets | 86.1374% | 2,577 |
| Equity capital to assets | 11.0710% | 2,749 |
| Core capital (leverage) ratio | 11.3404% | 2,094 |
| Tier 1 risk-based capital ratio | 20.3033% | 1,424 |
| Total risk-based capital ratio | 21.5548% | 1,399 |
| Memoranda: | ||
| Average total assets | $89,577,400 | 4,685 |
| Average earning assets | $86,335,600 | 4,581 |
| Average equity | $10,099,200 | 4,650 |
| Average total loans | $38,236,400 | 5,079 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2314% | 5,540 |
| Cost of funding earning assets | 0.2083% | 5,306 |
| Net interest margin | 3.0231% | 5,144 |
| Noninterest income to average assets | 0.6043% | 2,714 |
| Noninterest expense to average assets | 2.2536% | 4,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2670% | 1,430 |
| Return on assets (ROA) | 1.2670% | 1,489 |
| Pretax return on assets | 1.2670% | 2,525 |
| Return on Equity (ROE) | 11.1859% | 1,631 |
| Retained earnings to average equity (ytd only) | 5.8908% | 2,315 |
| Net charge-offs to loans | 0.0604% | 2,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 49.6974% | 1,059 |
| Efficiency ratio | 64.0119% | 4,242 |
| Assets per employee ($millions) | 4.0291% | 3,831 |
| Cash dividends to net income (ytd only)* | 47.3372% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 1,775 |
| Loan loss allowance to noncurrent loans | 187.9880% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 4,121 |
| Noncurrent loans to loans | 0.8539% | 2,840 |
| Net loans and leases to total assets | 45.3523% | 5,270 |
| Net loans and leases to deposits | 53.6873% | 5,270 |
| Net loans and leases to core deposits | 57.6986% | 5,206 |
| Total domestic deposits to total assets | 84.4748% | 3,230 |
| Equity capital to assets | 12.2880% | 1,883 |
| Core capital (leverage) ratio | 11.3123% | 2,181 |
| Tier 1 risk-based capital ratio | 20.7963% | 1,385 |
| Total risk-based capital ratio | 22.0464% | 1,357 |
| Memoranda: | ||
| Average total assets | $88,920,500 | 4,751 |
| Average earning assets | $85,780,500 | 4,644 |
| Average equity | $10,072,000 | 4,708 |
| Average total loans | $37,559,500 | 5,156 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1479% | 5,691 |
| Cost of funding earning assets | 0.2065% | 5,384 |
| Net interest margin | 2.9414% | 5,359 |
| Noninterest income to average assets | 0.5733% | 2,887 |
| Noninterest expense to average assets | 2.2422% | 5,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1687% | 1,704 |
| Return on assets (ROA) | 1.1687% | 1,777 |
| Pretax return on assets | 1.1687% | 2,903 |
| Return on Equity (ROE) | 10.5985% | 1,811 |
| Retained earnings to average equity (ytd only) | 4.5766% | 3,122 |
| Net charge-offs to loans | 0.0432% | 2,839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 796 |
| Efficiency ratio | 65.7365% | 4,059 |
| Assets per employee ($millions) | 3.9851% | 3,914 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6793% | 1,661 |
| Loan loss allowance to noncurrent loans | 170.6989% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4426% | 4,157 |
| Noncurrent loans to loans | 0.9838% | 2,672 |
| Net loans and leases to total assets | 42.4053% | 5,476 |
| Net loans and leases to deposits | 49.6209% | 5,523 |
| Net loans and leases to core deposits | 53.8071% | 5,431 |
| Total domestic deposits to total assets | 85.4585% | 2,942 |
| Equity capital to assets | 11.4083% | 2,489 |
| Core capital (leverage) ratio | 10.7409% | 2,688 |
| Tier 1 risk-based capital ratio | 20.7574% | 1,415 |
| Total risk-based capital ratio | 22.0096% | 1,388 |
| Memoranda: | ||
| Average total assets | $90,357,000 | 4,758 |
| Average earning assets | $87,169,330 | 4,650 |
| Average equity | $9,963,670 | 4,761 |
| Average total loans | $37,079,670 | 5,217 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0548% | 5,835 |
| Cost of funding earning assets | 0.1988% | 5,522 |
| Net interest margin | 2.8560% | 5,536 |
| Noninterest income to average assets | 0.5365% | 3,046 |
| Noninterest expense to average assets | 2.2290% | 5,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0644% | 1,985 |
| Return on assets (ROA) | 1.0644% | 2,110 |
| Pretax return on assets | 1.0644% | 3,239 |
| Return on Equity (ROE) | 9.8145% | 2,088 |
| Retained earnings to average equity (ytd only) | 1.7698% | 4,765 |
| Net charge-offs to loans | 0.0436% | 2,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 727 |
| Efficiency ratio | 67.6821% | 3,880 |
| Assets per employee ($millions) | 4.1186% | 3,732 |
| Cash dividends to net income (ytd only)* | 81.9672% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 1,613 |
| Loan loss allowance to noncurrent loans | 171.3137% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 4,320 |
| Noncurrent loans to loans | 1.0219% | 2,717 |
| Net loans and leases to total assets | 39.5777% | 5,619 |
| Net loans and leases to deposits | 46.1585% | 5,651 |
| Net loans and leases to core deposits | 49.6016% | 5,607 |
| Total domestic deposits to total assets | 85.7431% | 3,069 |
| Equity capital to assets | 11.1501% | 2,808 |
| Core capital (leverage) ratio | 10.2905% | 3,225 |
| Tier 1 risk-based capital ratio | 20.6497% | 1,492 |
| Total risk-based capital ratio | 21.9000% | 1,456 |
| Memoranda: | ||
| Average total assets | $91,699,000 | 4,772 |
| Average earning assets | $88,515,500 | 4,667 |
| Average equity | $9,944,500 | 4,794 |
| Average total loans | $36,713,000 | 5,265 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2287% | 5,798 |
| Cost of funding earning assets | 0.2075% | 5,683 |
| Net interest margin | 3.0211% | 5,404 |
| Noninterest income to average assets | 0.5787% | 2,994 |
| Noninterest expense to average assets | 2.3308% | 5,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1439% | 1,798 |
| Return on assets (ROA) | 1.1756% | 1,731 |
| Pretax return on assets | 1.1756% | 2,756 |
| Return on Equity (ROE) | 10.9665% | 1,730 |
| Retained earnings to average equity (ytd only) | 3.5852% | 3,668 |
| Net charge-offs to loans | 0.0537% | 3,760 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 53.2632% | 877 |
| Efficiency ratio | 67.0787% | 4,046 |
| Assets per employee ($millions) | 4.0343% | 3,871 |
| Cash dividends to net income (ytd only)* | 67.3077% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 1,670 |
| Loan loss allowance to noncurrent loans | 292.7273% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 5,003 |
| Noncurrent loans to loans | 0.5958% | 3,882 |
| Net loans and leases to total assets | 39.1016% | 5,795 |
| Net loans and leases to deposits | 45.4667% | 5,819 |
| Net loans and leases to core deposits | 47.3804% | 5,840 |
| Total domestic deposits to total assets | 86.0005% | 2,842 |
| Equity capital to assets | 10.5465% | 3,419 |
| Core capital (leverage) ratio | 10.6679% | 2,754 |
| Tier 1 risk-based capital ratio | 21.0638% | 1,392 |
| Total risk-based capital ratio | 22.3159% | 1,362 |
| Memoranda: | ||
| Average total assets | $88,467,000 | 4,883 |
| Average earning assets | $84,803,200 | 4,765 |
| Average equity | $9,483,400 | 4,867 |
| Average total loans | $35,385,000 | 5,350 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2590% | 5,827 |
| Cost of funding earning assets | 0.2103% | 5,750 |
| Net interest margin | 3.0487% | 5,385 |
| Noninterest income to average assets | 0.5676% | 3,077 |
| Noninterest expense to average assets | 2.3497% | 4,965 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1382% | 1,908 |
| Return on assets (ROA) | 1.1809% | 1,819 |
| Pretax return on assets | 1.1809% | 2,853 |
| Return on Equity (ROE) | 10.9694% | 1,800 |
| Retained earnings to average equity (ytd only) | 5.3004% | 2,877 |
| Net charge-offs to loans | 0.0457% | 3,581 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 62.1650% | 842 |
| Efficiency ratio | 67.3666% | 3,972 |
| Assets per employee ($millions) | 4.1452% | 3,572 |
| Cash dividends to net income (ytd only)* | 51.6798% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8768% | 1,511 |
| Loan loss allowance to noncurrent loans | 286.7841% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 5,080 |
| Noncurrent loans to loans | 0.6544% | 3,978 |
| Net loans and leases to total assets | 39.0987% | 5,874 |
| Net loans and leases to deposits | 45.6797% | 5,887 |
| Net loans and leases to core deposits | 47.7148% | 5,899 |
| Total domestic deposits to total assets | 85.5932% | 3,076 |
| Equity capital to assets | 11.1638% | 2,797 |
| Core capital (leverage) ratio | 10.6376% | 2,876 |
| Tier 1 risk-based capital ratio | 22.1871% | 1,238 |
| Total risk-based capital ratio | 23.4399% | 1,218 |
| Memoranda: | ||
| Average total assets | $87,386,500 | 4,952 |
| Average earning assets | $83,705,750 | 4,846 |
| Average equity | $9,407,750 | 4,921 |
| Average total loans | $34,999,750 | 5,415 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2348% | 5,899 |
| Cost of funding earning assets | 0.2080% | 5,850 |
| Net interest margin | 3.0268% | 5,451 |
| Noninterest income to average assets | 0.5326% | 3,251 |
| Noninterest expense to average assets | 2.3383% | 5,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0880% | 1,977 |
| Return on assets (ROA) | 1.1520% | 1,826 |
| Pretax return on assets | 1.1520% | 2,871 |
| Return on Equity (ROE) | 10.8337% | 1,797 |
| Retained earnings to average equity (ytd only) | 4.3851% | 3,388 |
| Net charge-offs to loans | 0.0342% | 3,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 79.3333% | 667 |
| Efficiency ratio | 68.2455% | 3,963 |
| Assets per employee ($millions) | 4.2762% | 3,316 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9322% | 1,507 |
| Loan loss allowance to noncurrent loans | 277.2152% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 5,170 |
| Noncurrent loans to loans | 0.6970% | 3,971 |
| Net loans and leases to total assets | 37.1321% | 5,999 |
| Net loans and leases to deposits | 43.0269% | 6,025 |
| Net loans and leases to core deposits | 45.5178% | 6,012 |
| Total domestic deposits to total assets | 86.2997% | 2,881 |
| Equity capital to assets | 10.7638% | 3,130 |
| Core capital (leverage) ratio | 10.3852% | 3,099 |
| Tier 1 risk-based capital ratio | 21.7122% | 1,308 |
| Total risk-based capital ratio | 22.9655% | 1,286 |
| Memoranda: | ||
| Average total assets | $87,499,000 | 4,987 |
| Average earning assets | $83,653,330 | 4,878 |
| Average equity | $9,304,330 | 4,958 |
| Average total loans | $35,104,330 | 5,454 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2347% | 5,957 |
| Cost of funding earning assets | 0.2085% | 5,932 |
| Net interest margin | 3.0262% | 5,458 |
| Noninterest income to average assets | 0.5327% | 3,173 |
| Noninterest expense to average assets | 2.3950% | 4,940 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0284% | 2,088 |
| Return on assets (ROA) | 1.1581% | 1,674 |
| Pretax return on assets | 1.1581% | 2,664 |
| Return on Equity (ROE) | 10.9607% | 1,694 |
| Retained earnings to average equity (ytd only) | 2.1921% | 4,728 |
| Net charge-offs to loans | 0.0112% | 3,399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 222.0000% | 223 |
| Efficiency ratio | 69.9594% | 3,845 |
| Assets per employee ($millions) | 4.0005% | 3,950 |
| Cash dividends to net income (ytd only)* | 80.0000% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 1,573 |
| Loan loss allowance to noncurrent loans | 215.6352% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.4011% | 4,942 |
| Noncurrent loans to loans | 0.9142% | 3,601 |
| Net loans and leases to total assets | 37.4060% | 5,990 |
| Net loans and leases to deposits | 43.7605% | 5,988 |
| Net loans and leases to core deposits | 47.1330% | 5,923 |
| Total domestic deposits to total assets | 85.4789% | 3,626 |
| Equity capital to assets | 10.4727% | 3,271 |
| Core capital (leverage) ratio | 10.3163% | 3,156 |
| Tier 1 risk-based capital ratio | 21.1571% | 1,445 |
| Total risk-based capital ratio | 22.4107% | 1,419 |
| Memoranda: | ||
| Average total assets | $86,348,000 | 5,059 |
| Average earning assets | $82,480,000 | 4,957 |
| Average equity | $9,123,500 | 5,020 |
| Average total loans | $35,655,500 | 5,477 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3290% | 5,956 |
| Cost of funding earning assets | 0.2319% | 6,083 |
| Net interest margin | 3.0972% | 5,326 |
| Noninterest income to average assets | 0.6453% | 2,834 |
| Noninterest expense to average assets | 2.3207% | 5,315 |
| Loan and lease loss provision to assets | 0.0512% | 4,113 |
| Net operating income to assets | 1.2243% | 1,472 |
| Return on assets (ROA) | 1.2243% | 1,537 |
| Pretax return on assets | 1.2243% | 2,484 |
| Return on Equity (ROE) | 11.2688% | 1,679 |
| Retained earnings to average equity (ytd only) | 3.7777% | 3,513 |
| Net charge-offs to loans | 0.0412% | 4,645 |
| Credit loss provision to net charge-offs | 293.3333% | 774 |
| Earnings coverage of net charge-offs (x) | 73.1333% | 585 |
| Efficiency ratio | 64.5328% | 4,808 |
| Assets per employee ($millions) | 3.8494% | 4,159 |
| Cash dividends to net income (ytd only)* | 66.4767% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 2,204 |
| Loan loss allowance to noncurrent loans | 204.0000% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 4,996 |
| Noncurrent loans to loans | 0.8614% | 3,827 |
| Net loans and leases to total assets | 43.7676% | 5,696 |
| Net loans and leases to deposits | 50.8346% | 5,703 |
| Net loans and leases to core deposits | 52.6926% | 5,747 |
| Total domestic deposits to total assets | 86.0981% | 3,204 |
| Equity capital to assets | 10.6629% | 2,966 |
| Core capital (leverage) ratio | 10.7102% | 2,666 |
| Tier 1 risk-based capital ratio | 19.7425% | 1,718 |
| Total risk-based capital ratio | 20.9952% | 1,685 |
| Memoranda: | ||
| Average total assets | $86,006,800 | 5,083 |
| Average earning assets | $81,945,800 | 4,985 |
| Average equity | $9,344,400 | 5,010 |
| Average total loans | $36,394,000 | 5,480 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2934% | 6,071 |
| Cost of funding earning assets | 0.2395% | 6,160 |
| Net interest margin | 3.0539% | 5,457 |
| Noninterest income to average assets | 0.6347% | 2,957 |
| Noninterest expense to average assets | 2.3442% | 5,197 |
| Loan and lease loss provision to assets | 0.0556% | 3,939 |
| Net operating income to assets | 1.1490% | 1,820 |
| Return on assets (ROA) | 1.1490% | 1,895 |
| Pretax return on assets | 1.1490% | 2,901 |
| Return on Equity (ROE) | 10.5272% | 1,987 |
| Retained earnings to average equity (ytd only) | 4.8675% | 3,178 |
| Net charge-offs to loans | 0.0740% | 3,883 |
| Credit loss provision to net charge-offs | 180.0000% | 1,344 |
| Earnings coverage of net charge-offs (x) | 38.9940% | 1,025 |
| Efficiency ratio | 66.0574% | 4,464 |
| Assets per employee ($millions) | 3.7280% | 4,396 |
| Cash dividends to net income (ytd only)* | 53.7632% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7862% | 2,346 |
| Loan loss allowance to noncurrent loans | 151.5152% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.5816% | 4,699 |
| Noncurrent loans to loans | 1.1789% | 3,465 |
| Net loans and leases to total assets | 43.5769% | 5,768 |
| Net loans and leases to deposits | 50.9741% | 5,776 |
| Net loans and leases to core deposits | 52.9686% | 5,833 |
| Total domestic deposits to total assets | 85.4882% | 3,499 |
| Equity capital to assets | 11.2588% | 2,503 |
| Core capital (leverage) ratio | 10.7767% | 2,694 |
| Tier 1 risk-based capital ratio | 20.4730% | 1,607 |
| Total risk-based capital ratio | 21.7257% | 1,580 |
| Memoranda: | ||
| Average total assets | $86,337,000 | 5,117 |
| Average earning assets | $82,384,000 | 5,018 |
| Average equity | $9,423,000 | 5,048 |
| Average total loans | $36,060,500 | 5,546 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1927% | 6,240 |
| Cost of funding earning assets | 0.2461% | 6,202 |
| Net interest margin | 2.9465% | 5,702 |
| Noninterest income to average assets | 0.6289% | 3,023 |
| Noninterest expense to average assets | 2.3400% | 5,243 |
| Loan and lease loss provision to assets | 0.0547% | 3,907 |
| Net operating income to assets | 1.0435% | 2,138 |
| Return on assets (ROA) | 1.0435% | 2,260 |
| Pretax return on assets | 1.0435% | 3,317 |
| Return on Equity (ROE) | 9.6563% | 2,341 |
| Retained earnings to average equity (ytd only) | 3.3312% | 4,192 |
| Net charge-offs to loans | 0.0779% | 3,601 |
| Credit loss provision to net charge-offs | 171.4286% | 1,375 |
| Earnings coverage of net charge-offs (x) | 34.4286% | 1,034 |
| Efficiency ratio | 68.0583% | 4,176 |
| Assets per employee ($millions) | 3.8186% | 4,176 |
| Cash dividends to net income (ytd only)* | 65.5022% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8389% | 2,297 |
| Loan loss allowance to noncurrent loans | 138.1974% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.6118% | 4,716 |
| Noncurrent loans to loans | 1.3307% | 3,331 |
| Net loans and leases to total assets | 40.9194% | 5,973 |
| Net loans and leases to deposits | 47.5641% | 6,010 |
| Net loans and leases to core deposits | 50.3774% | 6,005 |
| Total domestic deposits to total assets | 86.0301% | 3,348 |
| Equity capital to assets | 10.5036% | 3,301 |
| Core capital (leverage) ratio | 10.1100% | 3,354 |
| Tier 1 risk-based capital ratio | 20.1998% | 1,676 |
| Total risk-based capital ratio | 21.4527% | 1,651 |
| Memoranda: | ||
| Average total assets | $87,777,330 | 5,114 |
| Average earning assets | $83,692,000 | 5,013 |
| Average equity | $9,486,000 | 5,063 |
| Average total loans | $35,950,670 | 5,576 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1427% | 6,358 |
| Cost of funding earning assets | 0.2529% | 6,274 |
| Net interest margin | 2.8898% | 5,833 |
| Noninterest income to average assets | 0.5889% | 3,198 |
| Noninterest expense to average assets | 2.2708% | 5,501 |
| Loan and lease loss provision to assets | 0.0535% | 3,730 |
| Net operating income to assets | 1.0172% | 2,155 |
| Return on assets (ROA) | 1.0172% | 2,274 |
| Pretax return on assets | 1.0172% | 3,274 |
| Return on Equity (ROE) | 9.2900% | 2,355 |
| Retained earnings to average equity (ytd only) | 1.1409% | 5,390 |
| Net charge-offs to loans | 0.0439% | 3,417 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 595 |
| Efficiency ratio | 67.9573% | 4,318 |
| Assets per employee ($millions) | 3.9203% | 4,117 |
| Cash dividends to net income (ytd only)* | 87.7193% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8698% | 2,390 |
| Loan loss allowance to noncurrent loans | 130.4878% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.5989% | 4,889 |
| Noncurrent loans to loans | 1.4329% | 3,420 |
| Net loans and leases to total assets | 37.3684% | 6,195 |
| Net loans and leases to deposits | 43.3609% | 6,244 |
| Net loans and leases to core deposits | 47.0889% | 6,148 |
| Total domestic deposits to total assets | 86.1801% | 3,430 |
| Equity capital to assets | 10.8177% | 3,178 |
| Core capital (leverage) ratio | 9.6186% | 3,887 |
| Tier 1 risk-based capital ratio | 19.6804% | 1,853 |
| Total risk-based capital ratio | 20.9327% | 1,827 |
| Memoranda: | ||
| Average total assets | $89,661,500 | 5,106 |
| Average earning assets | $85,404,000 | 5,001 |
| Average equity | $9,817,000 | 5,032 |
| Average total loans | $36,416,000 | 5,599 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5578% | 6,287 |
| Cost of funding earning assets | 0.3581% | 6,167 |
| Net interest margin | 3.1997% | 5,567 |
| Noninterest income to average assets | 0.6123% | 3,217 |
| Noninterest expense to average assets | 2.3032% | 5,685 |
| Loan and lease loss provision to assets | 0.0557% | 5,098 |
| Net operating income to assets | 1.2896% | 1,335 |
| Return on assets (ROA) | 1.2896% | 1,485 |
| Pretax return on assets | 1.2896% | 2,453 |
| Return on Equity (ROE) | 11.4746% | 1,664 |
| Retained earnings to average equity (ytd only) | 5.2833% | 2,514 |
| Net charge-offs to loans | 0.0282% | 5,502 |
| Credit loss provision to net charge-offs | 480.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 116.0000% | 331 |
| Efficiency ratio | 63.1278% | 5,055 |
| Assets per employee ($millions) | 3.8763% | 4,209 |
| Cash dividends to net income (ytd only)* | 53.9568% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6469% | 3,124 |
| Loan loss allowance to noncurrent loans | 40.2029% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 1.8372% | 2,665 |
| Noncurrent loans to loans | 4.0965% | 1,131 |
| Net loans and leases to total assets | 42.4671% | 5,950 |
| Net loans and leases to deposits | 49.3547% | 6,004 |
| Net loans and leases to core deposits | 51.7544% | 6,032 |
| Total domestic deposits to total assets | 86.0447% | 3,337 |
| Equity capital to assets | 11.0817% | 2,858 |
| Core capital (leverage) ratio | 10.2720% | 3,046 |
| Tier 1 risk-based capital ratio | 18.1231% | 2,215 |
| Total risk-based capital ratio | 19.3742% | 2,188 |
| Memoranda: | ||
| Average total assets | $86,227,800 | 5,181 |
| Average earning assets | $81,820,000 | 5,079 |
| Average equity | $9,691,000 | 5,056 |
| Average total loans | $35,522,800 | 5,699 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5949% | 6,402 |
| Cost of funding earning assets | 0.3807% | 6,224 |
| Net interest margin | 3.2142% | 5,664 |
| Noninterest income to average assets | 0.6675% | 2,893 |
| Noninterest expense to average assets | 2.3330% | 5,591 |
| Loan and lease loss provision to assets | 0.0561% | 5,033 |
| Net operating income to assets | 1.3334% | 1,369 |
| Return on assets (ROA) | 1.3334% | 1,504 |
| Pretax return on assets | 1.3334% | 2,482 |
| Return on Equity (ROE) | 11.8208% | 1,690 |
| Retained earnings to average equity (ytd only) | 6.2906% | 2,492 |
| Net charge-offs to loans | 0.0460% | 5,006 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 74.2481% | 553 |
| Efficiency ratio | 62.6728% | 5,039 |
| Assets per employee ($millions) | 3.6212% | 4,715 |
| Cash dividends to net income (ytd only)* | 46.7837% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 3,147 |
| Loan loss allowance to noncurrent loans | 38.7258% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 2.0087% | 2,622 |
| Noncurrent loans to loans | 4.3944% | 1,089 |
| Net loans and leases to total assets | 42.9995% | 6,036 |
| Net loans and leases to deposits | 51.3066% | 6,021 |
| Net loans and leases to core deposits | 54.3486% | 6,027 |
| Total domestic deposits to total assets | 83.8090% | 4,318 |
| Equity capital to assets | 12.0055% | 2,253 |
| Core capital (leverage) ratio | 10.3426% | 3,113 |
| Tier 1 risk-based capital ratio | 19.1948% | 1,951 |
| Total risk-based capital ratio | 20.4462% | 1,922 |
| Memoranda: | ||
| Average total assets | $85,495,750 | 5,260 |
| Average earning assets | $81,261,750 | 5,134 |
| Average equity | $9,643,750 | 5,113 |
| Average total loans | $34,779,500 | 5,803 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5611% | 6,531 |
| Cost of funding earning assets | 0.3954% | 6,290 |
| Net interest margin | 3.1657% | 5,832 |
| Noninterest income to average assets | 0.6448% | 2,980 |
| Noninterest expense to average assets | 2.3773% | 5,538 |
| Loan and lease loss provision to assets | 0.0557% | 4,964 |
| Net operating income to assets | 1.2200% | 1,647 |
| Return on assets (ROA) | 1.2200% | 1,839 |
| Pretax return on assets | 1.2200% | 2,838 |
| Return on Equity (ROE) | 11.0442% | 1,979 |
| Retained earnings to average equity (ytd only) | 4.7452% | 3,445 |
| Net charge-offs to loans | 0.0467% | 4,739 |
| Credit loss provision to net charge-offs | 300.0000% | 969 |
| Earnings coverage of net charge-offs (x) | 68.7500% | 572 |
| Efficiency ratio | 65.0794% | 4,715 |
| Assets per employee ($millions) | 3.8393% | 4,219 |
| Cash dividends to net income (ytd only)* | 57.0342% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7485% | 3,032 |
| Loan loss allowance to noncurrent loans | 36.9342% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 2.0470% | 2,727 |
| Noncurrent loans to loans | 4.7340% | 1,084 |
| Net loans and leases to total assets | 40.7151% | 6,294 |
| Net loans and leases to deposits | 48.1578% | 6,301 |
| Net loans and leases to core deposits | 51.3077% | 6,281 |
| Total domestic deposits to total assets | 84.5451% | 4,082 |
| Equity capital to assets | 11.5125% | 2,580 |
| Core capital (leverage) ratio | 9.6612% | 3,903 |
| Tier 1 risk-based capital ratio | 18.8893% | 1,996 |
| Total risk-based capital ratio | 20.1409% | 1,976 |
| Memoranda: | ||
| Average total assets | $86,232,000 | 5,271 |
| Average earning assets | $81,941,000 | 5,154 |
| Average equity | $9,525,330 | 5,150 |
| Average total loans | $34,228,330 | 5,861 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5205% | 6,670 |
| Cost of funding earning assets | 0.4159% | 6,335 |
| Net interest margin | 3.1046% | 6,022 |
| Noninterest income to average assets | 0.6153% | 3,134 |
| Noninterest expense to average assets | 2.3968% | 5,484 |
| Loan and lease loss provision to assets | 0.0551% | 4,717 |
| Net operating income to assets | 1.1112% | 2,030 |
| Return on assets (ROA) | 1.1112% | 2,212 |
| Pretax return on assets | 1.1112% | 3,280 |
| Return on Equity (ROE) | 10.2695% | 2,312 |
| Retained earnings to average equity (ytd only) | 1.7823% | 5,355 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2680% | 4,310 |
| Assets per employee ($millions) | 3.9705% | 4,081 |
| Cash dividends to net income (ytd only)* | 82.6446% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8289% | 2,893 |
| Loan loss allowance to noncurrent loans | 36.7372% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 1.9771% | 2,932 |
| Noncurrent loans to loans | 4.9783% | 1,130 |
| Net loans and leases to total assets | 37.3623% | 6,535 |
| Net loans and leases to deposits | 43.1573% | 6,602 |
| Net loans and leases to core deposits | 46.7866% | 6,520 |
| Total domestic deposits to total assets | 86.5724% | 3,191 |
| Equity capital to assets | 10.8460% | 3,087 |
| Core capital (leverage) ratio | 9.4447% | 4,127 |
| Tier 1 risk-based capital ratio | 18.8576% | 2,030 |
| Total risk-based capital ratio | 20.1098% | 1,993 |
| Memoranda: | ||
| Average total assets | $87,115,500 | 5,288 |
| Average earning assets | $82,716,000 | 5,179 |
| Average equity | $9,426,000 | 5,186 |
| Average total loans | $33,841,500 | 5,918 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9760% | 6,499 |
| Cost of funding earning assets | 0.6329% | 5,908 |
| Net interest margin | 3.3431% | 5,671 |
| Noninterest income to average assets | 0.6813% | 2,714 |
| Noninterest expense to average assets | 2.3509% | 5,908 |
| Loan and lease loss provision to assets | 0.0098% | 6,413 |
| Net operating income to assets | 1.4922% | 841 |
| Return on assets (ROA) | 1.4922% | 912 |
| Pretax return on assets | 1.5057% | 1,450 |
| Return on Equity (ROE) | 13.9489% | 941 |
| Retained earnings to average equity (ytd only) | 5.9454% | 2,047 |
| Net charge-offs to loans | 0.1379% | 5,042 |
| Credit loss provision to net charge-offs | 17.0213% | 5,950 |
| Earnings coverage of net charge-offs (x) | 26.3617% | 944 |
| Efficiency ratio | 60.8035% | 5,632 |
| Assets per employee ($millions) | 3.7774% | 4,373 |
| Cash dividends to net income (ytd only)* | 57.3770% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7306% | 3,089 |
| Loan loss allowance to noncurrent loans | 72.1550% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.0336% | 4,540 |
| Noncurrent loans to loans | 2.3984% | 2,727 |
| Net loans and leases to total assets | 38.9533% | 6,602 |
| Net loans and leases to deposits | 45.4885% | 6,648 |
| Net loans and leases to core deposits | 47.5430% | 6,665 |
| Total domestic deposits to total assets | 85.6332% | 3,521 |
| Equity capital to assets | 10.7941% | 3,203 |
| Core capital (leverage) ratio | 9.9365% | 3,411 |
| Tier 1 risk-based capital ratio | 18.5379% | 2,034 |
| Total risk-based capital ratio | 19.7889% | 2,001 |
| Memoranda: | ||
| Average total assets | $81,757,200 | 5,412 |
| Average earning assets | $77,892,400 | 5,293 |
| Average equity | $8,746,200 | 5,351 |
| Average total loans | $34,084,200 | 5,947 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0423% | 6,521 |
| Cost of funding earning assets | 0.6775% | 5,892 |
| Net interest margin | 3.3648% | 5,672 |
| Noninterest income to average assets | 0.6958% | 2,633 |
| Noninterest expense to average assets | 2.3642% | 5,871 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5325% | 877 |
| Return on assets (ROA) | 1.5325% | 947 |
| Pretax return on assets | 1.5491% | 1,520 |
| Return on Equity (ROE) | 14.3603% | 966 |
| Retained earnings to average equity (ytd only) | 8.1504% | 1,450 |
| Net charge-offs to loans | 0.0353% | 5,650 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 103.8867% | 351 |
| Efficiency ratio | 60.4149% | 5,647 |
| Assets per employee ($millions) | 3.4221% | 5,189 |
| Cash dividends to net income (ytd only)* | 43.2433% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8308% | 2,829 |
| Loan loss allowance to noncurrent loans | 67.8959% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.2629% | 4,276 |
| Noncurrent loans to loans | 2.6965% | 2,592 |
| Net loans and leases to total assets | 42.6462% | 6,452 |
| Net loans and leases to deposits | 51.8891% | 6,375 |
| Net loans and leases to core deposits | 54.8760% | 6,400 |
| Total domestic deposits to total assets | 82.1873% | 5,019 |
| Equity capital to assets | 12.1119% | 2,161 |
| Core capital (leverage) ratio | 10.4217% | 2,966 |
| Tier 1 risk-based capital ratio | 19.2167% | 1,873 |
| Total risk-based capital ratio | 20.4704% | 1,841 |
| Memoranda: | ||
| Average total assets | $80,476,250 | 5,491 |
| Average earning assets | $76,951,250 | 5,358 |
| Average equity | $8,588,250 | 5,415 |
| Average total loans | $33,995,500 | 6,020 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9574% | 6,728 |
| Cost of funding earning assets | 0.7069% | 5,917 |
| Net interest margin | 3.2506% | 6,002 |
| Noninterest income to average assets | 0.6538% | 2,806 |
| Noninterest expense to average assets | 2.3610% | 5,957 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3742% | 1,135 |
| Return on assets (ROA) | 1.3742% | 1,209 |
| Pretax return on assets | 1.4013% | 1,793 |
| Return on Equity (ROE) | 13.4650% | 1,095 |
| Retained earnings to average equity (ytd only) | 6.2127% | 2,288 |
| Net charge-offs to loans | -0.0118% | 6,723 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7541% | 5,444 |
| Assets per employee ($millions) | 3.4726% | 5,008 |
| Cash dividends to net income (ytd only)* | 53.8600% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8471% | 2,836 |
| Loan loss allowance to noncurrent loans | 52.2559% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 1.6164% | 3,772 |
| Noncurrent loans to loans | 3.5348% | 2,001 |
| Net loans and leases to total assets | 42.3806% | 6,568 |
| Net loans and leases to deposits | 50.0947% | 6,586 |
| Net loans and leases to core deposits | 53.8380% | 6,572 |
| Total domestic deposits to total assets | 84.6010% | 4,078 |
| Equity capital to assets | 11.1320% | 2,832 |
| Core capital (leverage) ratio | 9.7465% | 3,605 |
| Tier 1 risk-based capital ratio | 18.5150% | 2,007 |
| Total risk-based capital ratio | 19.7685% | 1,957 |
| Memoranda: | ||
| Average total assets | $81,065,670 | 5,523 |
| Average earning assets | $77,525,330 | 5,384 |
| Average equity | $8,273,330 | 5,531 |
| Average total loans | $33,930,000 | 6,079 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7799% | 6,973 |
| Cost of funding earning assets | 0.7437% | 5,902 |
| Net interest margin | 3.0362% | 6,497 |
| Noninterest income to average assets | 0.6074% | 3,109 |
| Noninterest expense to average assets | 2.3462% | 6,063 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1070% | 1,818 |
| Return on assets (ROA) | 1.1070% | 1,870 |
| Pretax return on assets | 1.1609% | 2,512 |
| Return on Equity (ROE) | 11.3504% | 1,634 |
| Retained earnings to average equity (ytd only) | 1.3058% | 5,304 |
| Net charge-offs to loans | -0.0357% | 6,764 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8994% | 4,873 |
| Assets per employee ($millions) | 3.5393% | 4,905 |
| Cash dividends to net income (ytd only)* | 88.4956% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9929% | 2,444 |
| Loan loss allowance to noncurrent loans | 52.6403% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 1.5552% | 3,918 |
| Noncurrent loans to loans | 3.7860% | 1,940 |
| Net loans and leases to total assets | 38.5419% | 6,871 |
| Net loans and leases to deposits | 45.0609% | 6,910 |
| Net loans and leases to core deposits | 49.0526% | 6,831 |
| Total domestic deposits to total assets | 85.5328% | 3,767 |
| Equity capital to assets | 9.8385% | 3,980 |
| Core capital (leverage) ratio | 9.2160% | 4,261 |
| Tier 1 risk-based capital ratio | 18.4977% | 1,960 |
| Total risk-based capital ratio | 19.7516% | 1,911 |
| Memoranda: | ||
| Average total assets | $81,664,000 | 5,535 |
| Average earning assets | $77,992,000 | 5,415 |
| Average equity | $7,964,500 | 5,614 |
| Average total loans | $33,652,000 | 6,145 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0835% | 7,062 |
| Cost of funding earning assets | 1.0353% | 5,513 |
| Net interest margin | 3.0482% | 6,641 |
| Noninterest income to average assets | 0.8077% | 2,246 |
| Noninterest expense to average assets | 2.4545% | 5,931 |
| Loan and lease loss provision to assets | 0.0378% | 6,785 |
| Net operating income to assets | 1.1999% | 1,412 |
| Return on assets (ROA) | 1.1999% | 1,492 |
| Pretax return on assets | 1.1999% | 2,227 |
| Return on Equity (ROE) | 11.4484% | 1,469 |
| Retained earnings to average equity (ytd only) | 3.9902% | 3,074 |
| Net charge-offs to loans | 0.5291% | 3,508 |
| Credit loss provision to net charge-offs | 17.2619% | 6,576 |
| Earnings coverage of net charge-offs (x) | 5.6548% | 2,572 |
| Efficiency ratio | 66.4785% | 4,877 |
| Assets per employee ($millions) | 3.5619% | 4,796 |
| Cash dividends to net income (ytd only)* | 65.1466% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7993% | 2,867 |
| Loan loss allowance to noncurrent loans | 53.4512% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 1.5454% | 3,997 |
| Noncurrent loans to loans | 3.3663% | 2,259 |
| Net loans and leases to total assets | 42.3031% | 6,834 |
| Net loans and leases to deposits | 49.3134% | 6,888 |
| Net loans and leases to core deposits | 52.3995% | 6,885 |
| Total domestic deposits to total assets | 85.7842% | 3,458 |
| Equity capital to assets | 9.6676% | 4,192 |
| Core capital (leverage) ratio | 9.8734% | 3,239 |
| Tier 1 risk-based capital ratio | 17.3774% | 2,212 |
| Total risk-based capital ratio | 18.6298% | 2,179 |
| Memoranda: | ||
| Average total assets | $76,758,400 | 5,686 |
| Average earning assets | $72,633,400 | 5,579 |
| Average equity | $8,044,800 | 5,701 |
| Average total loans | $31,752,600 | 6,325 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1091% | 7,194 |
| Cost of funding earning assets | 1.1006% | 5,411 |
| Net interest margin | 3.0085% | 6,815 |
| Noninterest income to average assets | 0.7950% | 2,257 |
| Noninterest expense to average assets | 2.4929% | 5,738 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1466% | 1,743 |
| Return on assets (ROA) | 1.1466% | 1,847 |
| Pretax return on assets | 1.1466% | 2,679 |
| Return on Equity (ROE) | 10.7146% | 1,872 |
| Retained earnings to average equity (ytd only) | 4.1108% | 3,581 |
| Net charge-offs to loans | 0.1944% | 4,785 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 14.4218% | 1,519 |
| Efficiency ratio | 68.4951% | 4,375 |
| Assets per employee ($millions) | 3.3107% | 5,432 |
| Cash dividends to net income (ytd only)* | 61.6334% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3168% | 1,603 |
| Loan loss allowance to noncurrent loans | 61.5190% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.6613% | 3,952 |
| Noncurrent loans to loans | 3.7660% | 2,050 |
| Net loans and leases to total assets | 40.3653% | 7,056 |
| Net loans and leases to deposits | 46.9640% | 7,135 |
| Net loans and leases to core deposits | 49.9992% | 7,124 |
| Total domestic deposits to total assets | 85.9495% | 3,105 |
| Equity capital to assets | 11.2204% | 2,757 |
| Core capital (leverage) ratio | 9.8331% | 3,447 |
| Tier 1 risk-based capital ratio | 18.6227% | 1,838 |
| Total risk-based capital ratio | 19.8795% | 1,804 |
| Memoranda: | ||
| Average total assets | $75,467,250 | 5,792 |
| Average earning assets | $71,351,750 | 5,686 |
| Average equity | $8,076,000 | 5,762 |
| Average total loans | $30,868,000 | 6,441 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0430% | 7,326 |
| Cost of funding earning assets | 1.1290% | 5,527 |
| Net interest margin | 2.9140% | 6,988 |
| Noninterest income to average assets | 0.7842% | 2,211 |
| Noninterest expense to average assets | 2.5492% | 5,524 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9862% | 2,251 |
| Return on assets (ROA) | 0.9862% | 2,329 |
| Pretax return on assets | 0.9862% | 3,170 |
| Return on Equity (ROE) | 9.3687% | 2,327 |
| Retained earnings to average equity (ytd only) | 1.7929% | 4,966 |
| Net charge-offs to loans | 0.3456% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,376 |
| Efficiency ratio | 72.1053% | 3,795 |
| Assets per employee ($millions) | 3.2026% | 5,682 |
| Cash dividends to net income (ytd only)* | 80.8625% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3769% | 1,462 |
| Loan loss allowance to noncurrent loans | 60.7926% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.6471% | 3,962 |
| Noncurrent loans to loans | 3.9099% | 1,948 |
| Net loans and leases to total assets | 38.5262% | 7,244 |
| Net loans and leases to deposits | 44.5012% | 7,304 |
| Net loans and leases to core deposits | 47.0981% | 7,316 |
| Total domestic deposits to total assets | 86.5733% | 2,775 |
| Equity capital to assets | 10.6763% | 3,196 |
| Core capital (leverage) ratio | 9.9577% | 3,211 |
| Tier 1 risk-based capital ratio | 18.9208% | 1,740 |
| Total risk-based capital ratio | 20.1771% | 1,709 |
| Memoranda: | ||
| Average total assets | $75,240,670 | 5,827 |
| Average earning assets | $71,036,000 | 5,740 |
| Average equity | $7,920,000 | 5,831 |
| Average total loans | $30,668,670 | 6,488 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9556% | 7,492 |
| Cost of funding earning assets | 1.1718% | 5,547 |
| Net interest margin | 2.7838% | 7,202 |
| Noninterest income to average assets | 0.7201% | 2,465 |
| Noninterest expense to average assets | 2.5904% | 5,389 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7470% | 3,228 |
| Return on assets (ROA) | 0.7470% | 3,335 |
| Pretax return on assets | 0.7470% | 4,072 |
| Return on Equity (ROE) | 7.1493% | 3,270 |
| Retained earnings to average equity (ytd only) | -3.1375% | 6,377 |
| Net charge-offs to loans | -0.0259% | 7,147 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6167% | 2,958 |
| Assets per employee ($millions) | 3.4096% | 5,261 |
| Cash dividends to net income (ytd only)* | 143.8849% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6455% | 1,132 |
| Loan loss allowance to noncurrent loans | 63.9209% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.7237% | 3,890 |
| Noncurrent loans to loans | 4.1387% | 1,868 |
| Net loans and leases to total assets | 38.0704% | 7,345 |
| Net loans and leases to deposits | 43.8475% | 7,410 |
| Net loans and leases to core deposits | 47.5562% | 7,377 |
| Total domestic deposits to total assets | 86.8246% | 2,721 |
| Equity capital to assets | 10.3545% | 3,405 |
| Core capital (leverage) ratio | 9.7260% | 3,482 |
| Tier 1 risk-based capital ratio | 19.0931% | 1,698 |
| Total risk-based capital ratio | 20.3523% | 1,667 |
| Memoranda: | ||
| Average total assets | $74,430,000 | 5,923 |
| Average earning assets | $69,977,500 | 5,849 |
| Average equity | $7,777,000 | 5,919 |
| Average total loans | $30,836,500 | 6,572 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9228% | 6,661 |
| Cost of funding earning assets | 1.4049% | 5,914 |
| Net interest margin | 3.5179% | 4,877 |
| Noninterest income to average assets | 0.9321% | 1,827 |
| Noninterest expense to average assets | 2.8141% | 4,912 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.4205% | 817 |
| Return on assets (ROA) | 1.4205% | 870 |
| Pretax return on assets | 1.4205% | 1,382 |
| Return on Equity (ROE) | 12.5303% | 1,048 |
| Retained earnings to average equity (ytd only) | 3.3072% | 2,854 |
| Net charge-offs to loans | 0.4137% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 6.9926% | 2,248 |
| Efficiency ratio | 66.3845% | 5,313 |
| Assets per employee ($millions) | 3.2108% | 5,702 |
| Cash dividends to net income (ytd only)* | 73.6067% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3902% | 1,359 |
| Loan loss allowance to noncurrent loans | 87.7412% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.2999% | 4,485 |
| Noncurrent loans to loans | 2.7242% | 2,838 |
| Net loans and leases to total assets | 42.7453% | 7,206 |
| Net loans and leases to deposits | 49.3836% | 7,289 |
| Net loans and leases to core deposits | 57.3382% | 7,363 |
| Total domestic deposits to total assets | 86.5577% | 2,728 |
| Equity capital to assets | 10.5445% | 3,136 |
| Core capital (leverage) ratio | 10.6652% | 2,460 |
| Tier 1 risk-based capital ratio | 18.1963% | 1,845 |
| Total risk-based capital ratio | 19.4534% | 1,793 |
| Memoranda: | ||
| Average total assets | $66,948,600 | 6,110 |
| Average earning assets | $62,850,200 | 6,039 |
| Average equity | $7,589,600 | 6,060 |
| Average total loans | $32,876,800 | 6,474 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1143% | 6,214 |
| Cost of funding earning assets | 1.4674% | 5,970 |
| Net interest margin | 3.6469% | 4,287 |
| Noninterest income to average assets | 0.9403% | 1,813 |
| Noninterest expense to average assets | 2.8476% | 4,684 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5270% | 767 |
| Return on assets (ROA) | 1.5270% | 820 |
| Pretax return on assets | 1.5270% | 1,336 |
| Return on Equity (ROE) | 13.2088% | 1,068 |
| Retained earnings to average equity (ytd only) | 4.3676% | 2,831 |
| Net charge-offs to loans | 0.5089% | 3,187 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 5.9285% | 2,704 |
| Efficiency ratio | 65.0000% | 5,552 |
| Assets per employee ($millions) | 2.8759% | 6,463 |
| Cash dividends to net income (ytd only)* | 66.9341% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3844% | 1,190 |
| Loan loss allowance to noncurrent loans | 110.7345% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 1.1898% | 4,692 |
| Noncurrent loans to loans | 2.1533% | 3,441 |
| Net loans and leases to total assets | 48.5237% | 6,908 |
| Net loans and leases to deposits | 57.3348% | 7,005 |
| Net loans and leases to core deposits | 67.9654% | 7,076 |
| Total domestic deposits to total assets | 84.6322% | 3,417 |
| Equity capital to assets | 12.0795% | 2,204 |
| Core capital (leverage) ratio | 11.0862% | 2,345 |
| Tier 1 risk-based capital ratio | 19.0036% | 1,745 |
| Total risk-based capital ratio | 20.2472% | 1,708 |
| Memoranda: | ||
| Average total assets | $65,223,500 | 6,201 |
| Average earning assets | $61,421,000 | 6,127 |
| Average equity | $7,540,250 | 6,134 |
| Average total loans | $33,011,000 | 6,510 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1721% | 6,182 |
| Cost of funding earning assets | 1.5260% | 6,038 |
| Net interest margin | 3.6461% | 4,187 |
| Noninterest income to average assets | 0.9273% | 1,861 |
| Noninterest expense to average assets | 2.8745% | 4,603 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4757% | 881 |
| Return on assets (ROA) | 1.4757% | 944 |
| Pretax return on assets | 1.4757% | 1,510 |
| Return on Equity (ROE) | 12.9629% | 1,189 |
| Retained earnings to average equity (ytd only) | 3.4910% | 3,369 |
| Net charge-offs to loans | 0.7261% | 2,238 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 3.9917% | 3,249 |
| Efficiency ratio | 65.9348% | 5,558 |
| Assets per employee ($millions) | 2.8606% | 6,491 |
| Cash dividends to net income (ytd only)* | 73.0689% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4353% | 957 |
| Loan loss allowance to noncurrent loans | 91.2240% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.4363% | 4,097 |
| Noncurrent loans to loans | 2.6695% | 2,701 |
| Net loans and leases to total assets | 48.1047% | 7,023 |
| Net loans and leases to deposits | 56.2007% | 7,153 |
| Net loans and leases to core deposits | 66.9629% | 7,172 |
| Total domestic deposits to total assets | 85.5944% | 2,962 |
| Equity capital to assets | 11.3688% | 2,620 |
| Core capital (leverage) ratio | 10.9942% | 2,399 |
| Tier 1 risk-based capital ratio | 18.9641% | 1,789 |
| Total risk-based capital ratio | 20.2254% | 1,737 |
| Memoranda: | ||
| Average total assets | $64,916,330 | 6,264 |
| Average earning assets | $60,942,330 | 6,187 |
| Average equity | $7,390,330 | 6,227 |
| Average total loans | $33,054,670 | 6,551 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1051% | 6,630 |
| Cost of funding earning assets | 1.6135% | 5,974 |
| Net interest margin | 3.4916% | 4,767 |
| Noninterest income to average assets | 0.9430% | 1,676 |
| Noninterest expense to average assets | 2.7234% | 4,903 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4951% | 945 |
| Return on assets (ROA) | 1.4951% | 1,016 |
| Pretax return on assets | 1.4951% | 1,681 |
| Return on Equity (ROE) | 13.1237% | 1,358 |
| Retained earnings to average equity (ytd only) | 2.2327% | 4,630 |
| Net charge-offs to loans | 0.5995% | 1,979 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 4.8200% | 2,807 |
| Efficiency ratio | 64.2647% | 5,642 |
| Assets per employee ($millions) | 2.8079% | 6,625 |
| Cash dividends to net income (ytd only)* | 82.9876% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7050% | 623 |
| Loan loss allowance to noncurrent loans | 41.8899% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 3.2656% | 1,685 |
| Noncurrent loans to loans | 6.4574% | 691 |
| Net loans and leases to total assets | 47.8972% | 7,037 |
| Net loans and leases to deposits | 54.9891% | 7,222 |
| Net loans and leases to core deposits | 66.6846% | 7,211 |
| Total domestic deposits to total assets | 87.1032% | 2,166 |
| Equity capital to assets | 11.5528% | 2,556 |
| Core capital (leverage) ratio | 10.7711% | 2,683 |
| Tier 1 risk-based capital ratio | 18.0976% | 2,026 |
| Total risk-based capital ratio | 19.3594% | 1,976 |
| Memoranda: | ||
| Average total assets | $64,477,500 | 6,313 |
| Average earning assets | $60,488,000 | 6,236 |
| Average equity | $7,345,500 | 6,278 |
| Average total loans | $33,362,000 | 6,574 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8555% | 6,256 |
| Cost of funding earning assets | 2.2183% | 5,517 |
| Net interest margin | 3.6372% | 4,730 |
| Noninterest income to average assets | 1.2147% | 1,007 |
| Noninterest expense to average assets | 2.6750% | 5,360 |
| Loan and lease loss provision to assets | 0.1522% | 5,416 |
| Net operating income to assets | 1.7910% | 562 |
| Return on assets (ROA) | 1.7910% | 539 |
| Pretax return on assets | 1.7910% | 962 |
| Return on Equity (ROE) | 15.6576% | 825 |
| Retained earnings to average equity (ytd only) | 4.2078% | 2,500 |
| Net charge-offs to loans | 0.1881% | 4,309 |
| Credit loss provision to net charge-offs | 143.0769% | 3,697 |
| Earnings coverage of net charge-offs (x) | 18.2615% | 1,716 |
| Efficiency ratio | 57.6746% | 6,757 |
| Assets per employee ($millions) | 3.0654% | 5,877 |
| Cash dividends to net income (ytd only)* | 73.1261% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6051% | 608 |
| Loan loss allowance to noncurrent loans | 54.7863% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 2.6673% | 1,789 |
| Noncurrent loans to loans | 4.7551% | 969 |
| Net loans and leases to total assets | 52.8498% | 6,765 |
| Net loans and leases to deposits | 60.5388% | 7,043 |
| Net loans and leases to core deposits | 70.4325% | 7,166 |
| Total domestic deposits to total assets | 87.2990% | 1,797 |
| Equity capital to assets | 11.2314% | 2,859 |
| Core capital (leverage) ratio | 11.6145% | 2,183 |
| Tier 1 risk-based capital ratio | 16.9049% | 2,339 |
| Total risk-based capital ratio | 18.1625% | 2,284 |
| Memoranda: | ||
| Average total assets | $61,084,400 | 6,350 |
| Average earning assets | $57,159,800 | 6,294 |
| Average equity | $6,987,000 | 6,458 |
| Average total loans | $34,549,400 | 6,456 |