Home > Citizens Bank & Trust Co. > Performance and Condition Ratios
Citizens Bank & Trust Co., 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 | 3.8309% | 4,146 |
| Cost of funding earning assets | 1.2695% | 2,601 |
| Net interest margin | 2.5614% | 4,017 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.7028% | 4,134 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.8870% | 2,589 |
| Return on assets (ROA) | 0.8867% | 2,561 |
| Pretax return on assets | 0.8867% | 2,997 |
| Return on Equity (ROE) | 56.2800% | 43 |
| Retained earnings to average equity (ytd only) | 18.8593% | 156 |
| Net charge-offs to loans | 0.0025% | 2,705 |
| Credit loss provision to net charge-offs | 6,000.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 769.7500% | 187 |
| Efficiency ratio | 63.8996% | 2,622 |
| Assets per employee ($millions) | 9.2673% | 894 |
| Cash dividends to net income (ytd only)* | 66.4905% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 1,171 |
| Loan loss allowance to noncurrent loans | 208.0895% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 1,498 |
| Noncurrent loans to loans | 0.7020% | 1,111 |
| Net loans and leases to total assets | 51.7600% | 3,492 |
| Net loans and leases to deposits | 56.5287% | 3,684 |
| Net loans and leases to core deposits | 58.0282% | 3,836 |
| Total domestic deposits to total assets | 91.5700% | 375 |
| Equity capital to assets | 2.5298% | 4,553 |
| Core capital (leverage) ratio | 7.2120% | 4,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0692% | 1,845 |
| Memoranda: | ||
| Average total assets | $320,055,200 | 2,322 |
| Average earning assets | $304,913,800 | 2,277 |
| Average equity | $5,042,600 | 4,258 |
| Average total loans | $161,530,200 | 2,587 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7095% | 4,203 |
| Cost of funding earning assets | 1.2121% | 2,397 |
| Net interest margin | 2.4974% | 4,147 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.6836% | 4,150 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.8495% | 2,861 |
| Return on assets (ROA) | 0.8490% | 2,845 |
| Pretax return on assets | 0.8490% | 3,216 |
| Return on Equity (ROE) | 63.2900% | 49 |
| Retained earnings to average equity (ytd only) | 15.8988% | 470 |
| Net charge-offs to loans | 0.0033% | 2,392 |
| Credit loss provision to net charge-offs | 4,500.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 556.7500% | 283 |
| Efficiency ratio | 64.5608% | 2,435 |
| Assets per employee ($millions) | 9.7718% | 723 |
| Cash dividends to net income (ytd only)* | 74.8778% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 1,333 |
| Loan loss allowance to noncurrent loans | 196.8280% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 1,546 |
| Noncurrent loans to loans | 0.7267% | 1,142 |
| Net loans and leases to total assets | 50.3900% | 3,589 |
| Net loans and leases to deposits | 54.8733% | 3,755 |
| Net loans and leases to core deposits | 56.4002% | 3,839 |
| Total domestic deposits to total assets | 91.8300% | 490 |
| Equity capital to assets | 0.5294% | 4,589 |
| Core capital (leverage) ratio | 7.2768% | 4,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6874% | 2,015 |
| Memoranda: | ||
| Average total assets | $321,296,750 | 2,313 |
| Average earning assets | $306,230,750 | 2,266 |
| Average equity | $4,310,500 | 4,330 |
| Average total loans | $160,532,000 | 2,606 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6313% | 4,221 |
| Cost of funding earning assets | 1.1152% | 2,234 |
| Net interest margin | 2.5161% | 4,191 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.6834% | 4,168 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.8688% | 2,859 |
| Return on assets (ROA) | 0.8632% | 2,879 |
| Pretax return on assets | 0.8632% | 3,256 |
| Return on Equity (ROE) | 53.4900% | 59 |
| Retained earnings to average equity (ytd only) | 8.9990% | 1,685 |
| Net charge-offs to loans | 0.0088% | 1,875 |
| Credit loss provision to net charge-offs | 1,714.2857% | 294 |
| Earnings coverage of net charge-offs (x) | 216.2857% | 567 |
| Efficiency ratio | 64.0807% | 2,477 |
| Assets per employee ($millions) | 9.0919% | 884 |
| Cash dividends to net income (ytd only)* | 83.1769% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 1,477 |
| Loan loss allowance to noncurrent loans | 189.9834% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 1,405 |
| Noncurrent loans to loans | 0.7441% | 1,015 |
| Net loans and leases to total assets | 50.3000% | 3,540 |
| Net loans and leases to deposits | 54.2158% | 3,735 |
| Net loans and leases to core deposits | 56.9027% | 3,776 |
| Total domestic deposits to total assets | 92.7700% | 287 |
| Equity capital to assets | 1.4719% | 4,616 |
| Core capital (leverage) ratio | 7.2154% | 4,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8012% | 1,985 |
| Memoranda: | ||
| Average total assets | $320,905,667 | 2,326 |
| Average earning assets | $305,785,333 | 2,280 |
| Average equity | $5,178,333 | 4,278 |
| Average total loans | $159,091,000 | 2,608 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5317% | 4,231 |
| Cost of funding earning assets | 0.9500% | 2,218 |
| Net interest margin | 2.5817% | 4,227 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.6943% | 4,203 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.8912% | 2,888 |
| Return on assets (ROA) | 0.8912% | 2,838 |
| Pretax return on assets | 0.8912% | 3,264 |
| Return on Equity (ROE) | 52.9400% | 68 |
| Retained earnings to average equity (ytd only) | 12.1648% | 1,236 |
| Net charge-offs to loans | 0.0178% | 1,333 |
| Credit loss provision to net charge-offs | 857.1429% | 397 |
| Earnings coverage of net charge-offs (x) | 111.1429% | 738 |
| Efficiency ratio | 63.6958% | 2,499 |
| Assets per employee ($millions) | 9.9416% | 714 |
| Cash dividends to net income (ytd only)* | 77.0195% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 1,462 |
| Loan loss allowance to noncurrent loans | 430.6358% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 2,318 |
| Noncurrent loans to loans | 0.3343% | 1,956 |
| Net loans and leases to total assets | 48.1000% | 3,625 |
| Net loans and leases to deposits | 50.7904% | 3,853 |
| Net loans and leases to core deposits | 54.2356% | 3,821 |
| Total domestic deposits to total assets | 94.7000% | 118 |
| Equity capital to assets | 1.8530% | 4,640 |
| Core capital (leverage) ratio | 7.2203% | 4,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0599% | 1,955 |
| Memoranda: | ||
| Average total assets | $322,249,500 | 2,350 |
| Average earning assets | $306,931,500 | 2,307 |
| Average equity | $5,425,500 | 4,308 |
| Average total loans | $157,460,500 | 2,645 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1296% | 3,942 |
| Cost of funding earning assets | 0.4894% | 1,473 |
| Net interest margin | 2.6402% | 4,124 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.6168% | 4,288 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.0805% | 2,261 |
| Return on assets (ROA) | 1.0805% | 2,203 |
| Pretax return on assets | 1.0805% | 2,835 |
| Return on Equity (ROE) | 37.0000% | 66 |
| Retained earnings to average equity (ytd only) | 7.2450% | 2,128 |
| Net charge-offs to loans | 0.1127% | 665 |
| Credit loss provision to net charge-offs | 138.7283% | 1,351 |
| Earnings coverage of net charge-offs (x) | 21.8728% | 1,854 |
| Efficiency ratio | 58.3581% | 3,285 |
| Assets per employee ($millions) | 10.1990% | 636 |
| Cash dividends to net income (ytd only)* | 80.4176% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6170% | 942 |
| Loan loss allowance to noncurrent loans | 468.6025% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 2,318 |
| Noncurrent loans to loans | 0.3451% | 1,907 |
| Net loans and leases to total assets | 48.1300% | 3,661 |
| Net loans and leases to deposits | 49.0081% | 3,935 |
| Net loans and leases to core deposits | 51.4125% | 3,925 |
| Total domestic deposits to total assets | 98.2200% | 28 |
| Equity capital to assets | 1.5185% | 4,665 |
| Core capital (leverage) ratio | 6.7197% | 4,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6170% | 2,118 |
| Memoranda: | ||
| Average total assets | $327,998,600 | 2,306 |
| Average earning assets | $313,239,000 | 2,269 |
| Average equity | $9,579,000 | 3,920 |
| Average total loans | $153,469,200 | 2,604 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0158% | 3,865 |
| Cost of funding earning assets | 0.3424% | 1,766 |
| Net interest margin | 2.6733% | 3,985 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.7608% | 4,052 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.9878% | 2,518 |
| Return on assets (ROA) | 0.9878% | 2,493 |
| Pretax return on assets | 0.9878% | 3,054 |
| Return on Equity (ROE) | 30.2200% | 102 |
| Retained earnings to average equity (ytd only) | 10.0605% | 1,325 |
| Net charge-offs to loans | -0.0184% | 3,966 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.4029% | 2,778 |
| Assets per employee ($millions) | 9.4436% | 774 |
| Cash dividends to net income (ytd only)* | 66.7078% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7130% | 853 |
| Loan loss allowance to noncurrent loans | 278.9528% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 1,770 |
| Noncurrent loans to loans | 0.6141% | 1,319 |
| Net loans and leases to total assets | 47.1700% | 3,692 |
| Net loans and leases to deposits | 47.6679% | 3,964 |
| Net loans and leases to core deposits | 52.0566% | 3,854 |
| Total domestic deposits to total assets | 98.9500% | 32 |
| Equity capital to assets | 0.7682% | 4,701 |
| Core capital (leverage) ratio | 6.9522% | 4,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6492% | 2,200 |
| Memoranda: | ||
| Average total assets | $328,406,000 | 2,323 |
| Average earning assets | $314,206,750 | 2,282 |
| Average equity | $10,734,750 | 3,834 |
| Average total loans | $151,917,250 | 2,619 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9434% | 3,692 |
| Cost of funding earning assets | 0.2736% | 1,977 |
| Net interest margin | 2.6698% | 3,765 |
| Noninterest income to average assets | 0.2923% | 3,417 |
| Noninterest expense to average assets | 1.8334% | 3,880 |
| Loan and lease loss provision to assets | 0.0732% | 1,313 |
| Net operating income to assets | 0.9405% | 2,400 |
| Return on assets (ROA) | 0.9405% | 2,374 |
| Pretax return on assets | 0.9405% | 2,927 |
| Return on Equity (ROE) | 22.8861% | 168 |
| Retained earnings to average equity (ytd only) | 7.7228% | 1,719 |
| Net charge-offs to loans | -0.0281% | 4,017 |
| Credit loss provision to net charge-offs | -571.4286% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3944% | 2,715 |
| Assets per employee ($millions) | 9.6740% | 725 |
| Cash dividends to net income (ytd only)* | 66.2557% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7047% | 949 |
| Loan loss allowance to noncurrent loans | 261.7734% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 1,735 |
| Noncurrent loans to loans | 0.6512% | 1,312 |
| Net loans and leases to total assets | 47.9893% | 3,555 |
| Net loans and leases to deposits | 48.8317% | 3,874 |
| Net loans and leases to core deposits | 52.9795% | 3,758 |
| Total domestic deposits to total assets | 98.2750% | 21 |
| Equity capital to assets | 1.5004% | 4,743 |
| Core capital (leverage) ratio | 6.9007% | 4,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8143% | 2,146 |
| Memoranda: | ||
| Average total assets | $327,699,667 | 2,338 |
| Average earning assets | $313,582,000 | 2,307 |
| Average equity | $13,466,667 | 3,638 |
| Average total loans | $149,685,000 | 2,646 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8478% | 3,652 |
| Cost of funding earning assets | 0.2477% | 2,186 |
| Net interest margin | 2.6001% | 3,663 |
| Noninterest income to average assets | 0.2543% | 3,621 |
| Noninterest expense to average assets | 2.1077% | 3,117 |
| Loan and lease loss provision to assets | 0.0723% | 1,142 |
| Net operating income to assets | 0.5664% | 3,504 |
| Return on assets (ROA) | 0.5664% | 3,481 |
| Pretax return on assets | 0.5664% | 3,716 |
| Return on Equity (ROE) | 10.5588% | 1,779 |
| Retained earnings to average equity (ytd only) | -0.4718% | 4,078 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7442% | 1,443 |
| Assets per employee ($millions) | 10.4312% | 609 |
| Cash dividends to net income (ytd only)* | 104.4681% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7644% | 937 |
| Loan loss allowance to noncurrent loans | 218.7766% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3640% | 1,657 |
| Noncurrent loans to loans | 0.8065% | 1,176 |
| Net loans and leases to total assets | 44.3346% | 3,715 |
| Net loans and leases to deposits | 46.7254% | 3,941 |
| Net loans and leases to core deposits | 47.3904% | 4,011 |
| Total domestic deposits to total assets | 94.8832% | 46 |
| Equity capital to assets | 4.1557% | 4,775 |
| Core capital (leverage) ratio | 6.7620% | 4,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1368% | 2,142 |
| Memoranda: | ||
| Average total assets | $331,928,500 | 2,333 |
| Average earning assets | $318,145,500 | 2,298 |
| Average equity | $17,805,000 | 3,343 |
| Average total loans | $146,598,000 | 2,672 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1966% | 3,478 |
| Cost of funding earning assets | 0.2617% | 2,785 |
| Net interest margin | 2.9349% | 3,360 |
| Noninterest income to average assets | 0.1627% | 4,338 |
| Noninterest expense to average assets | 1.5422% | 4,494 |
| Loan and lease loss provision to assets | -0.1268% | 4,594 |
| Net operating income to assets | 1.5592% | 893 |
| Return on assets (ROA) | 1.5592% | 922 |
| Pretax return on assets | 1.5604% | 1,539 |
| Return on Equity (ROE) | 22.6066% | 194 |
| Retained earnings to average equity (ytd only) | 9.8929% | 945 |
| Net charge-offs to loans | 0.0031% | 2,503 |
| Credit loss provision to net charge-offs | -8,200.0000% | 4,205 |
| Earnings coverage of net charge-offs (x) | 927.0000% | 159 |
| Efficiency ratio | 51.8241% | 4,130 |
| Assets per employee ($millions) | 11.3497% | 461 |
| Cash dividends to net income (ytd only)* | 56.2388% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7079% | 1,031 |
| Loan loss allowance to noncurrent loans | 185.7459% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.6185% | 1,059 |
| Noncurrent loans to loans | 0.9195% | 1,102 |
| Net loans and leases to total assets | 42.5101% | 3,951 |
| Net loans and leases to deposits | 45.6292% | 4,112 |
| Net loans and leases to core deposits | 47.0126% | 4,140 |
| Total domestic deposits to total assets | 93.1643% | 43 |
| Equity capital to assets | 6.5118% | 4,791 |
| Core capital (leverage) ratio | 6.6750% | 4,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1894% | 2,164 |
| Memoranda: | ||
| Average total assets | $323,312,000 | 2,328 |
| Average earning assets | $309,888,200 | 2,282 |
| Average equity | $22,298,800 | 3,035 |
| Average total loans | $161,680,000 | 2,529 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3834% | 3,145 |
| Cost of funding earning assets | 0.2615% | 2,999 |
| Net interest margin | 3.1219% | 2,995 |
| Noninterest income to average assets | 0.1551% | 4,421 |
| Noninterest expense to average assets | 1.5171% | 4,576 |
| Loan and lease loss provision to assets | 0.0752% | 1,546 |
| Net operating income to assets | 1.5543% | 1,135 |
| Return on assets (ROA) | 1.5543% | 1,184 |
| Pretax return on assets | 1.5560% | 1,832 |
| Return on Equity (ROE) | 22.2052% | 290 |
| Retained earnings to average equity (ytd only) | 7.5530% | 2,202 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1880% | 4,355 |
| Assets per employee ($millions) | 10.7844% | 514 |
| Cash dividends to net income (ytd only)* | 65.9855% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0143% | 616 |
| Loan loss allowance to noncurrent loans | 335.5987% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.5022% | 1,524 |
| Noncurrent loans to loans | 0.6002% | 1,807 |
| Net loans and leases to total assets | 45.2668% | 3,852 |
| Net loans and leases to deposits | 48.7059% | 4,083 |
| Net loans and leases to core deposits | 50.4689% | 4,112 |
| Total domestic deposits to total assets | 92.9390% | 35 |
| Equity capital to assets | 6.8316% | 4,838 |
| Core capital (leverage) ratio | 6.5485% | 4,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3752% | 2,214 |
| Memoranda: | ||
| Average total assets | $319,017,250 | 2,373 |
| Average earning assets | $305,875,500 | 2,328 |
| Average equity | $22,330,500 | 3,064 |
| Average total loans | $165,285,500 | 2,541 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6962% | 2,343 |
| Cost of funding earning assets | 0.2637% | 3,156 |
| Net interest margin | 3.4325% | 2,054 |
| Noninterest income to average assets | 0.1357% | 4,520 |
| Noninterest expense to average assets | 1.5552% | 4,567 |
| Loan and lease loss provision to assets | 0.0765% | 1,561 |
| Net operating income to assets | 1.7941% | 728 |
| Return on assets (ROA) | 1.7941% | 763 |
| Pretax return on assets | 1.7966% | 1,244 |
| Return on Equity (ROE) | 25.4140% | 177 |
| Retained earnings to average equity (ytd only) | 8.7722% | 1,791 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3633% | 4,550 |
| Assets per employee ($millions) | 10.8324% | 484 |
| Cash dividends to net income (ytd only)* | 65.4830% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7996% | 886 |
| Loan loss allowance to noncurrent loans | 327.3605% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 1,663 |
| Noncurrent loans to loans | 0.5497% | 2,026 |
| Net loans and leases to total assets | 49.5800% | 3,598 |
| Net loans and leases to deposits | 53.1538% | 3,919 |
| Net loans and leases to core deposits | 55.7970% | 3,906 |
| Total domestic deposits to total assets | 93.2764% | 24 |
| Equity capital to assets | 6.5467% | 4,891 |
| Core capital (leverage) ratio | 6.6497% | 4,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4053% | 2,577 |
| Memoranda: | ||
| Average total assets | $313,917,667 | 2,392 |
| Average earning assets | $301,123,667 | 2,343 |
| Average equity | $22,161,000 | 3,074 |
| Average total loans | $168,899,000 | 2,519 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1785% | 1,235 |
| Cost of funding earning assets | 0.2709% | 3,265 |
| Net interest margin | 3.9076% | 972 |
| Noninterest income to average assets | 0.1373% | 4,519 |
| Noninterest expense to average assets | 1.5975% | 4,540 |
| Loan and lease loss provision to assets | 0.0792% | 1,626 |
| Net operating income to assets | 2.2074% | 409 |
| Return on assets (ROA) | 2.2074% | 445 |
| Pretax return on assets | 2.2127% | 676 |
| Return on Equity (ROE) | 30.0591% | 141 |
| Retained earnings to average equity (ytd only) | 14.4722% | 699 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0726% | 4,709 |
| Assets per employee ($millions) | 9.8147% | 629 |
| Cash dividends to net income (ytd only)* | 51.8541% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7295% | 979 |
| Loan loss allowance to noncurrent loans | 267.7708% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.6104% | 1,564 |
| Noncurrent loans to loans | 0.6459% | 1,953 |
| Net loans and leases to total assets | 54.1116% | 3,230 |
| Net loans and leases to deposits | 58.3236% | 3,619 |
| Net loans and leases to core deposits | 62.0096% | 3,569 |
| Total domestic deposits to total assets | 92.7784% | 48 |
| Equity capital to assets | 7.0736% | 4,827 |
| Core capital (leverage) ratio | 7.2654% | 4,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3073% | 2,867 |
| Memoranda: | ||
| Average total assets | $302,975,000 | 2,428 |
| Average earning assets | $290,918,500 | 2,379 |
| Average equity | $22,249,500 | 3,061 |
| Average total loans | $168,577,500 | 2,524 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9927% | 2,751 |
| Cost of funding earning assets | 0.3236% | 4,010 |
| Net interest margin | 3.6691% | 1,914 |
| Noninterest income to average assets | 0.1758% | 4,407 |
| Noninterest expense to average assets | 1.9456% | 4,238 |
| Loan and lease loss provision to assets | 0.1619% | 2,349 |
| Net operating income to assets | 1.5943% | 651 |
| Return on assets (ROA) | 1.7150% | 522 |
| Pretax return on assets | 1.7166% | 828 |
| Return on Equity (ROE) | 21.0335% | 186 |
| Retained earnings to average equity (ytd only) | 4.2653% | 2,672 |
| Net charge-offs to loans | 0.0130% | 2,871 |
| Credit loss provision to net charge-offs | 2,000.0000% | 444 |
| Earnings coverage of net charge-offs (x) | 217.0952% | 443 |
| Efficiency ratio | 52.5351% | 4,345 |
| Assets per employee ($millions) | 9.7293% | 577 |
| Cash dividends to net income (ytd only)* | 79.7212% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7849% | 882 |
| Loan loss allowance to noncurrent loans | 318.5870% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.5893% | 1,786 |
| Noncurrent loans to loans | 0.5602% | 2,300 |
| Net loans and leases to total assets | 55.2571% | 3,368 |
| Net loans and leases to deposits | 61.1930% | 3,663 |
| Net loans and leases to core deposits | 62.6925% | 3,791 |
| Total domestic deposits to total assets | 90.2997% | 450 |
| Equity capital to assets | 7.6343% | 4,816 |
| Core capital (leverage) ratio | 7.2965% | 4,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6901% | 2,736 |
| Memoranda: | ||
| Average total assets | $259,356,600 | 2,517 |
| Average earning assets | $249,352,200 | 2,471 |
| Average equity | $21,147,200 | 3,085 |
| Average total loans | $162,052,000 | 2,555 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2649% | 2,205 |
| Cost of funding earning assets | 0.3216% | 4,209 |
| Net interest margin | 3.9434% | 1,254 |
| Noninterest income to average assets | 0.1783% | 4,399 |
| Noninterest expense to average assets | 1.8925% | 4,340 |
| Loan and lease loss provision to assets | 0.1592% | 2,407 |
| Net operating income to assets | 1.9122% | 361 |
| Return on assets (ROA) | 2.0783% | 275 |
| Pretax return on assets | 2.0804% | 437 |
| Return on Equity (ROE) | 25.0258% | 119 |
| Retained earnings to average equity (ytd only) | 7.4323% | 1,517 |
| Net charge-offs to loans | -0.0008% | 3,805 |
| Credit loss provision to net charge-offs | -30,000.0000% | 4,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7185% | 4,628 |
| Assets per employee ($millions) | 9.0458% | 686 |
| Cash dividends to net income (ytd only)* | 70.3013% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 1,036 |
| Loan loss allowance to noncurrent loans | 299.1552% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.6035% | 1,920 |
| Noncurrent loans to loans | 0.5425% | 2,443 |
| Net loans and leases to total assets | 59.3284% | 3,292 |
| Net loans and leases to deposits | 71.2129% | 3,204 |
| Net loans and leases to core deposits | 72.8036% | 3,410 |
| Total domestic deposits to total assets | 83.3113% | 3,054 |
| Equity capital to assets | 7.6890% | 4,811 |
| Core capital (leverage) ratio | 7.9467% | 4,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,226,000 | 2,555 |
| Average earning assets | $241,310,750 | 2,506 |
| Average equity | $20,863,250 | 3,107 |
| Average total loans | $161,511,250 | 2,561 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7454% | 1,290 |
| Cost of funding earning assets | 0.3614% | 4,219 |
| Net interest margin | 4.3840% | 642 |
| Noninterest income to average assets | 0.1929% | 4,312 |
| Noninterest expense to average assets | 1.9465% | 4,335 |
| Loan and lease loss provision to assets | 0.1510% | 2,495 |
| Net operating income to assets | 2.2937% | 193 |
| Return on assets (ROA) | 2.5562% | 139 |
| Pretax return on assets | 2.5595% | 192 |
| Return on Equity (ROE) | 29.8843% | 60 |
| Retained earnings to average equity (ytd only) | 14.2951% | 259 |
| Net charge-offs to loans | -0.0013% | 3,771 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2939% | 4,801 |
| Assets per employee ($millions) | 8.3925% | 844 |
| Cash dividends to net income (ytd only)* | 52.1654% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5803% | 1,056 |
| Loan loss allowance to noncurrent loans | 282.8989% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 1,913 |
| Noncurrent loans to loans | 0.5586% | 2,491 |
| Net loans and leases to total assets | 61.0086% | 3,211 |
| Net loans and leases to deposits | 72.6874% | 3,193 |
| Net loans and leases to core deposits | 75.2165% | 3,355 |
| Total domestic deposits to total assets | 83.9329% | 2,768 |
| Equity capital to assets | 8.1014% | 4,668 |
| Core capital (leverage) ratio | 8.5530% | 4,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,479,667 | 2,616 |
| Average earning assets | $228,559,000 | 2,564 |
| Average equity | $20,398,667 | 3,139 |
| Average total loans | $157,159,000 | 2,589 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3164% | 2,874 |
| Cost of funding earning assets | 0.4297% | 4,238 |
| Net interest margin | 3.8866% | 1,714 |
| Noninterest income to average assets | 0.2189% | 4,236 |
| Noninterest expense to average assets | 2.1091% | 4,204 |
| Loan and lease loss provision to assets | 0.1095% | 2,308 |
| Net operating income to assets | 1.7059% | 511 |
| Return on assets (ROA) | 2.2769% | 174 |
| Pretax return on assets | 2.2842% | 244 |
| Return on Equity (ROE) | 25.7592% | 56 |
| Retained earnings to average equity (ytd only) | 10.2789% | 696 |
| Net charge-offs to loans | -0.0027% | 3,707 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6427% | 4,420 |
| Assets per employee ($millions) | 6.9735% | 1,100 |
| Cash dividends to net income (ytd only)* | 60.0962% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 829 |
| Loan loss allowance to noncurrent loans | 198.6973% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.9433% | 1,411 |
| Noncurrent loans to loans | 0.8696% | 1,873 |
| Net loans and leases to total assets | 66.0898% | 2,808 |
| Net loans and leases to deposits | 72.3484% | 3,408 |
| Net loans and leases to core deposits | 77.3999% | 3,395 |
| Total domestic deposits to total assets | 91.3494% | 77 |
| Equity capital to assets | 8.5521% | 4,808 |
| Core capital (leverage) ratio | 9.0872% | 4,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,244,000 | 2,715 |
| Average earning assets | $209,435,500 | 2,670 |
| Average equity | $19,379,500 | 3,225 |
| Average total loans | $149,900,000 | 2,642 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5406% | 2,806 |
| Cost of funding earning assets | 0.4768% | 4,181 |
| Net interest margin | 4.0638% | 1,640 |
| Noninterest income to average assets | 0.1391% | 4,779 |
| Noninterest expense to average assets | 2.2345% | 4,092 |
| Loan and lease loss provision to assets | 0.1128% | 1,862 |
| Net operating income to assets | 1.6421% | 751 |
| Return on assets (ROA) | 1.6355% | 813 |
| Pretax return on assets | 1.6374% | 1,380 |
| Return on Equity (ROE) | 18.7823% | 284 |
| Retained earnings to average equity (ytd only) | 3.7122% | 3,137 |
| Net charge-offs to loans | 0.0204% | 3,012 |
| Credit loss provision to net charge-offs | 800.0000% | 411 |
| Earnings coverage of net charge-offs (x) | 124.6333% | 570 |
| Efficiency ratio | 55.9859% | 4,205 |
| Assets per employee ($millions) | 6.7293% | 1,162 |
| Cash dividends to net income (ytd only)* | 80.2356% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6911% | 817 |
| Loan loss allowance to noncurrent loans | 262.3834% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.8196% | 1,577 |
| Noncurrent loans to loans | 0.6445% | 2,278 |
| Net loans and leases to total assets | 68.3556% | 2,628 |
| Net loans and leases to deposits | 75.6662% | 3,212 |
| Net loans and leases to core deposits | 79.7209% | 3,322 |
| Total domestic deposits to total assets | 90.3384% | 229 |
| Equity capital to assets | 9.1368% | 4,619 |
| Core capital (leverage) ratio | 8.8802% | 4,617 |
| Tier 1 risk-based capital ratio | 12.4574% | 4,100 |
| Total risk-based capital ratio | 13.7119% | 3,969 |
| Memoranda: | ||
| Average total assets | $212,841,200 | 2,728 |
| Average earning assets | $201,756,200 | 2,696 |
| Average equity | $18,533,400 | 3,273 |
| Average total loans | $147,360,000 | 2,651 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5342% | 2,950 |
| Cost of funding earning assets | 0.4837% | 4,206 |
| Net interest margin | 4.0505% | 1,761 |
| Noninterest income to average assets | 0.1081% | 4,963 |
| Noninterest expense to average assets | 2.2040% | 4,171 |
| Loan and lease loss provision to assets | 0.1131% | 1,723 |
| Net operating income to assets | 1.6241% | 878 |
| Return on assets (ROA) | 1.6153% | 936 |
| Pretax return on assets | 1.6178% | 1,576 |
| Return on Equity (ROE) | 18.7851% | 333 |
| Retained earnings to average equity (ytd only) | 4.0040% | 3,395 |
| Net charge-offs to loans | 0.0273% | 2,547 |
| Credit loss provision to net charge-offs | 600.0000% | 537 |
| Earnings coverage of net charge-offs (x) | 92.2978% | 791 |
| Efficiency ratio | 55.8866% | 4,175 |
| Assets per employee ($millions) | 6.5420% | 1,248 |
| Cash dividends to net income (ytd only)* | 78.6856% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6448% | 911 |
| Loan loss allowance to noncurrent loans | 800.0000% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.5137% | 2,472 |
| Noncurrent loans to loans | 0.2056% | 3,802 |
| Net loans and leases to total assets | 68.4719% | 2,717 |
| Net loans and leases to deposits | 75.4386% | 3,351 |
| Net loans and leases to core deposits | 78.5836% | 3,501 |
| Total domestic deposits to total assets | 90.7651% | 128 |
| Equity capital to assets | 9.0311% | 4,766 |
| Core capital (leverage) ratio | 9.0214% | 4,621 |
| Tier 1 risk-based capital ratio | 12.4155% | 4,194 |
| Total risk-based capital ratio | 13.6697% | 4,070 |
| Memoranda: | ||
| Average total assets | $212,217,250 | 2,749 |
| Average earning assets | $200,957,500 | 2,724 |
| Average equity | $18,248,000 | 3,332 |
| Average total loans | $146,768,250 | 2,677 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4926% | 3,038 |
| Cost of funding earning assets | 0.4914% | 4,154 |
| Net interest margin | 4.0012% | 1,915 |
| Noninterest income to average assets | 0.0351% | 5,192 |
| Noninterest expense to average assets | 2.2351% | 4,157 |
| Loan and lease loss provision to assets | 0.1137% | 1,652 |
| Net operating income to assets | 1.4872% | 1,183 |
| Return on assets (ROA) | 1.4740% | 1,272 |
| Pretax return on assets | 1.4778% | 1,926 |
| Return on Equity (ROE) | 17.4409% | 416 |
| Retained earnings to average equity (ytd only) | 2.8376% | 3,789 |
| Net charge-offs to loans | 0.0481% | 1,959 |
| Credit loss provision to net charge-offs | 342.8571% | 819 |
| Earnings coverage of net charge-offs (x) | 48.3714% | 1,117 |
| Efficiency ratio | 58.2078% | 3,984 |
| Assets per employee ($millions) | 6.8573% | 1,064 |
| Cash dividends to net income (ytd only)* | 83.7299% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6008% | 1,024 |
| Loan loss allowance to noncurrent loans | 769.0096% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 2,516 |
| Noncurrent loans to loans | 0.2082% | 3,799 |
| Net loans and leases to total assets | 67.4277% | 2,900 |
| Net loans and leases to deposits | 73.8692% | 3,530 |
| Net loans and leases to core deposits | 78.4938% | 3,541 |
| Total domestic deposits to total assets | 91.2799% | 77 |
| Equity capital to assets | 8.5725% | 5,014 |
| Core capital (leverage) ratio | 8.6210% | 4,897 |
| Tier 1 risk-based capital ratio | 12.2346% | 4,278 |
| Total risk-based capital ratio | 13.4885% | 4,144 |
| Memoranda: | ||
| Average total assets | $210,994,000 | 2,775 |
| Average earning assets | $200,640,000 | 2,730 |
| Average equity | $17,831,670 | 3,377 |
| Average total loans | $145,593,000 | 2,706 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 3,155 |
| Cost of funding earning assets | 0.4905% | 4,103 |
| Net interest margin | 3.9283% | 2,100 |
| Noninterest income to average assets | 0.2379% | 4,305 |
| Noninterest expense to average assets | 2.3001% | 4,021 |
| Loan and lease loss provision to assets | 0.1161% | 1,515 |
| Net operating income to assets | 1.5553% | 993 |
| Return on assets (ROA) | 1.5553% | 1,021 |
| Pretax return on assets | 1.5553% | 1,597 |
| Return on Equity (ROE) | 18.5446% | 356 |
| Retained earnings to average equity (ytd only) | 2.6525% | 3,871 |
| Net charge-offs to loans | -0.0028% | 3,912 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9152% | 4,089 |
| Assets per employee ($millions) | 6.4639% | 1,256 |
| Cash dividends to net income (ytd only)* | 85.6965% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 955 |
| Loan loss allowance to noncurrent loans | 112.4587% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.0244% | 1,366 |
| Noncurrent loans to loans | 1.4705% | 1,099 |
| Net loans and leases to total assets | 68.5127% | 2,690 |
| Net loans and leases to deposits | 75.0271% | 3,350 |
| Net loans and leases to core deposits | 81.6481% | 3,209 |
| Total domestic deposits to total assets | 91.3172% | 114 |
| Equity capital to assets | 8.5818% | 4,937 |
| Core capital (leverage) ratio | 9.1440% | 4,527 |
| Tier 1 risk-based capital ratio | 12.6836% | 4,053 |
| Total risk-based capital ratio | 13.9377% | 3,940 |
| Memoranda: | ||
| Average total assets | $206,773,500 | 2,841 |
| Average earning assets | $196,521,000 | 2,794 |
| Average equity | $17,342,000 | 3,445 |
| Average total loans | $143,206,000 | 2,764 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 3,353 |
| Cost of funding earning assets | 0.2935% | 4,600 |
| Net interest margin | 3.9377% | 2,199 |
| Noninterest income to average assets | 0.2292% | 4,540 |
| Noninterest expense to average assets | 2.2172% | 4,300 |
| Loan and lease loss provision to assets | 0.1151% | 1,914 |
| Net operating income to assets | 1.6314% | 809 |
| Return on assets (ROA) | 1.6223% | 820 |
| Pretax return on assets | 1.6242% | 1,398 |
| Return on Equity (ROE) | 20.2419% | 240 |
| Retained earnings to average equity (ytd only) | 1.9560% | 4,367 |
| Net charge-offs to loans | 0.0283% | 2,842 |
| Credit loss provision to net charge-offs | 615.3846% | 561 |
| Earnings coverage of net charge-offs (x) | 93.5128% | 772 |
| Efficiency ratio | 55.9115% | 4,419 |
| Assets per employee ($millions) | 6.6678% | 1,133 |
| Cash dividends to net income (ytd only)* | 90.3369% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6316% | 964 |
| Loan loss allowance to noncurrent loans | 252.3913% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.4451% | 2,785 |
| Noncurrent loans to loans | 0.6465% | 2,374 |
| Net loans and leases to total assets | 67.7265% | 2,915 |
| Net loans and leases to deposits | 74.4159% | 3,468 |
| Net loans and leases to core deposits | 77.1999% | 3,630 |
| Total domestic deposits to total assets | 91.0107% | 207 |
| Equity capital to assets | 8.1920% | 5,089 |
| Core capital (leverage) ratio | 8.9517% | 4,691 |
| Tier 1 risk-based capital ratio | 12.8357% | 3,950 |
| Total risk-based capital ratio | 14.0899% | 3,831 |
| Memoranda: | ||
| Average total assets | $208,593,200 | 2,780 |
| Average earning assets | $197,934,800 | 2,738 |
| Average equity | $16,717,800 | 3,435 |
| Average total loans | $137,651,800 | 2,796 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1732% | 3,405 |
| Cost of funding earning assets | 0.2506% | 4,780 |
| Net interest margin | 3.9226% | 2,221 |
| Noninterest income to average assets | 0.2277% | 4,607 |
| Noninterest expense to average assets | 2.1951% | 4,335 |
| Loan and lease loss provision to assets | 0.1148% | 1,762 |
| Net operating income to assets | 1.6390% | 867 |
| Return on assets (ROA) | 1.6269% | 907 |
| Pretax return on assets | 1.6294% | 1,489 |
| Return on Equity (ROE) | 20.4108% | 245 |
| Retained earnings to average equity (ytd only) | 1.9202% | 4,604 |
| Net charge-offs to loans | -0.0020% | 4,085 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5520% | 4,440 |
| Assets per employee ($millions) | 6.9015% | 978 |
| Cash dividends to net income (ytd only)* | 90.5920% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 968 |
| Loan loss allowance to noncurrent loans | 213.9276% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 2,659 |
| Noncurrent loans to loans | 0.7707% | 2,159 |
| Net loans and leases to total assets | 66.3778% | 3,136 |
| Net loans and leases to deposits | 72.2159% | 3,755 |
| Net loans and leases to core deposits | 74.8732% | 3,887 |
| Total domestic deposits to total assets | 91.9158% | 89 |
| Equity capital to assets | 7.8790% | 5,214 |
| Core capital (leverage) ratio | 8.8942% | 4,806 |
| Tier 1 risk-based capital ratio | 12.8033% | 4,020 |
| Total risk-based capital ratio | 14.0575% | 3,916 |
| Memoranda: | ||
| Average total assets | $209,066,000 | 2,799 |
| Average earning assets | $198,466,500 | 2,748 |
| Average equity | $16,664,000 | 3,453 |
| Average total loans | $136,486,250 | 2,825 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 3,611 |
| Cost of funding earning assets | 0.1952% | 5,050 |
| Net interest margin | 3.8558% | 2,360 |
| Noninterest income to average assets | 0.2241% | 4,685 |
| Noninterest expense to average assets | 2.2638% | 4,226 |
| Loan and lease loss provision to assets | 0.1144% | 1,735 |
| Net operating income to assets | 1.5143% | 1,120 |
| Return on assets (ROA) | 1.4961% | 1,166 |
| Pretax return on assets | 1.5000% | 1,815 |
| Return on Equity (ROE) | 18.6997% | 359 |
| Retained earnings to average equity (ytd only) | 0.6436% | 4,835 |
| Net charge-offs to loans | -0.0015% | 3,921 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1008% | 4,215 |
| Assets per employee ($millions) | 6.6738% | 1,087 |
| Cash dividends to net income (ytd only)* | 96.5583% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6080% | 1,088 |
| Loan loss allowance to noncurrent loans | 184.3057% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5882% | 2,467 |
| Noncurrent loans to loans | 0.8725% | 1,985 |
| Net loans and leases to total assets | 66.3380% | 3,091 |
| Net loans and leases to deposits | 72.4601% | 3,676 |
| Net loans and leases to core deposits | 73.3308% | 3,922 |
| Total domestic deposits to total assets | 91.5510% | 141 |
| Equity capital to assets | 7.9419% | 5,242 |
| Core capital (leverage) ratio | 8.8671% | 4,820 |
| Tier 1 risk-based capital ratio | 12.9059% | 3,948 |
| Total risk-based capital ratio | 14.1599% | 3,866 |
| Memoranda: | ||
| Average total assets | $209,739,670 | 2,810 |
| Average earning assets | $199,749,330 | 2,760 |
| Average equity | $16,781,000 | 3,464 |
| Average total loans | $135,403,000 | 2,849 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9449% | 3,802 |
| Cost of funding earning assets | 0.1550% | 5,245 |
| Net interest margin | 3.7899% | 2,463 |
| Noninterest income to average assets | 0.2159% | 4,716 |
| Noninterest expense to average assets | 2.4171% | 3,902 |
| Loan and lease loss provision to assets | 0.1137% | 1,662 |
| Net operating income to assets | 1.2896% | 1,675 |
| Return on assets (ROA) | 1.2540% | 1,805 |
| Pretax return on assets | 1.2616% | 2,509 |
| Return on Equity (ROE) | 15.6169% | 682 |
| Retained earnings to average equity (ytd only) | -2.0760% | 5,014 |
| Net charge-offs to loans | -0.0030% | 3,874 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1371% | 3,610 |
| Assets per employee ($millions) | 6.3925% | 1,258 |
| Cash dividends to net income (ytd only)* | 113.2931% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6417% | 1,074 |
| Loan loss allowance to noncurrent loans | 147.1342% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.7030% | 2,216 |
| Noncurrent loans to loans | 1.1158% | 1,642 |
| Net loans and leases to total assets | 61.9688% | 3,553 |
| Net loans and leases to deposits | 67.2966% | 3,997 |
| Net loans and leases to core deposits | 67.9416% | 4,220 |
| Total domestic deposits to total assets | 92.0831% | 100 |
| Equity capital to assets | 7.8254% | 5,318 |
| Core capital (leverage) ratio | 8.8808% | 4,816 |
| Tier 1 risk-based capital ratio | 13.0582% | 3,920 |
| Total risk-based capital ratio | 14.3119% | 3,828 |
| Memoranda: | ||
| Average total assets | $211,165,000 | 2,831 |
| Average earning assets | $201,271,500 | 2,774 |
| Average equity | $16,956,000 | 3,484 |
| Average total loans | $133,360,000 | 2,897 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9957% | 3,416 |
| Cost of funding earning assets | 0.1511% | 5,256 |
| Net interest margin | 3.8446% | 2,275 |
| Noninterest income to average assets | 0.2124% | 4,880 |
| Noninterest expense to average assets | 2.1316% | 4,693 |
| Loan and lease loss provision to assets | 0.0853% | 2,490 |
| Net operating income to assets | 1.6604% | 572 |
| Return on assets (ROA) | 1.6685% | 579 |
| Pretax return on assets | 1.6704% | 1,095 |
| Return on Equity (ROE) | 20.0417% | 194 |
| Retained earnings to average equity (ytd only) | 1.3779% | 4,455 |
| Net charge-offs to loans | -0.0037% | 4,593 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9487% | 4,865 |
| Assets per employee ($millions) | 6.4054% | 1,261 |
| Cash dividends to net income (ytd only)* | 93.1250% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5858% | 1,170 |
| Loan loss allowance to noncurrent loans | 225.5048% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 3,090 |
| Noncurrent loans to loans | 0.7032% | 2,449 |
| Net loans and leases to total assets | 62.3015% | 3,581 |
| Net loans and leases to deposits | 67.9555% | 4,032 |
| Net loans and leases to core deposits | 68.3229% | 4,273 |
| Total domestic deposits to total assets | 91.6798% | 113 |
| Equity capital to assets | 8.2336% | 5,285 |
| Core capital (leverage) ratio | 8.7633% | 4,888 |
| Tier 1 risk-based capital ratio | 13.0091% | 3,898 |
| Total risk-based capital ratio | 14.2619% | 3,795 |
| Memoranda: | ||
| Average total assets | $210,970,200 | 2,812 |
| Average earning assets | $201,218,600 | 2,756 |
| Average equity | $17,563,400 | 3,420 |
| Average total loans | $134,735,000 | 2,852 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9958% | 3,374 |
| Cost of funding earning assets | 0.1556% | 5,280 |
| Net interest margin | 3.8402% | 2,249 |
| Noninterest income to average assets | 0.2137% | 4,938 |
| Noninterest expense to average assets | 2.0233% | 4,903 |
| Loan and lease loss provision to assets | 0.1138% | 1,895 |
| Net operating income to assets | 1.7401% | 536 |
| Return on assets (ROA) | 1.7508% | 536 |
| Pretax return on assets | 1.7533% | 993 |
| Return on Equity (ROE) | 20.9729% | 174 |
| Retained earnings to average equity (ytd only) | 1.9162% | 4,671 |
| Net charge-offs to loans | 0.0049% | 3,555 |
| Credit loss provision to net charge-offs | 3,600.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 586.8921% | 177 |
| Efficiency ratio | 52.1512% | 5,085 |
| Assets per employee ($millions) | 6.2345% | 1,353 |
| Cash dividends to net income (ytd only)* | 90.8630% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 1,446 |
| Loan loss allowance to noncurrent loans | 228.9588% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 3,240 |
| Noncurrent loans to loans | 0.6660% | 2,704 |
| Net loans and leases to total assets | 66.2623% | 3,067 |
| Net loans and leases to deposits | 73.0089% | 3,666 |
| Net loans and leases to core deposits | 73.4178% | 4,028 |
| Total domestic deposits to total assets | 90.7592% | 239 |
| Equity capital to assets | 8.8233% | 5,061 |
| Core capital (leverage) ratio | 8.9011% | 4,863 |
| Tier 1 risk-based capital ratio | 12.9968% | 4,010 |
| Total risk-based capital ratio | 14.2498% | 3,916 |
| Memoranda: | ||
| Average total assets | $210,868,500 | 2,837 |
| Average earning assets | $201,306,000 | 2,783 |
| Average equity | $17,603,250 | 3,446 |
| Average total loans | $134,965,500 | 2,867 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9582% | 3,354 |
| Cost of funding earning assets | 0.1598% | 5,276 |
| Net interest margin | 3.7984% | 2,294 |
| Noninterest income to average assets | 0.2089% | 5,002 |
| Noninterest expense to average assets | 2.0077% | 4,961 |
| Loan and lease loss provision to assets | 0.1129% | 1,814 |
| Net operating income to assets | 1.7076% | 558 |
| Return on assets (ROA) | 1.7236% | 541 |
| Pretax return on assets | 1.7274% | 997 |
| Return on Equity (ROE) | 21.0333% | 177 |
| Retained earnings to average equity (ytd only) | 1.9403% | 4,476 |
| Net charge-offs to loans | 0.0120% | 3,037 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 242.3750% | 350 |
| Efficiency ratio | 52.3938% | 5,149 |
| Assets per employee ($millions) | 6.2870% | 1,259 |
| Cash dividends to net income (ytd only)* | 90.7751% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5063% | 1,552 |
| Loan loss allowance to noncurrent loans | 223.5808% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 3,315 |
| Noncurrent loans to loans | 0.6737% | 2,732 |
| Net loans and leases to total assets | 64.5472% | 3,306 |
| Net loans and leases to deposits | 70.8037% | 3,847 |
| Net loans and leases to core deposits | 71.0999% | 4,150 |
| Total domestic deposits to total assets | 91.1635% | 187 |
| Equity capital to assets | 8.7357% | 5,115 |
| Core capital (leverage) ratio | 8.5825% | 5,160 |
| Tier 1 risk-based capital ratio | 13.0388% | 3,973 |
| Total risk-based capital ratio | 14.2909% | 3,890 |
| Memoranda: | ||
| Average total assets | $212,578,000 | 2,828 |
| Average earning assets | $202,771,330 | 2,781 |
| Average equity | $17,420,000 | 3,477 |
| Average total loans | $133,807,670 | 2,888 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8640% | 3,534 |
| Cost of funding earning assets | 0.1560% | 5,328 |
| Net interest margin | 3.7080% | 2,457 |
| Noninterest income to average assets | 0.2064% | 5,037 |
| Noninterest expense to average assets | 2.0136% | 5,024 |
| Loan and lease loss provision to assets | 0.1116% | 1,723 |
| Net operating income to assets | 1.6102% | 664 |
| Return on assets (ROA) | 1.6102% | 681 |
| Pretax return on assets | 1.6176% | 1,191 |
| Return on Equity (ROE) | 20.2953% | 219 |
| Retained earnings to average equity (ytd only) | 1.4764% | 4,513 |
| Net charge-offs to loans | 0.0241% | 2,280 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 116.2500% | 471 |
| Efficiency ratio | 53.8003% | 5,146 |
| Assets per employee ($millions) | 6.6591% | 1,101 |
| Cash dividends to net income (ytd only)* | 92.7252% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 1,678 |
| Loan loss allowance to noncurrent loans | 2,285.0575% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 5,108 |
| Noncurrent loans to loans | 0.0658% | 4,937 |
| Net loans and leases to total assets | 61.1163% | 3,642 |
| Net loans and leases to deposits | 68.5244% | 3,938 |
| Net loans and leases to core deposits | 68.8089% | 4,235 |
| Total domestic deposits to total assets | 89.1892% | 1,057 |
| Equity capital to assets | 8.1312% | 5,457 |
| Core capital (leverage) ratio | 8.4468% | 5,266 |
| Tier 1 risk-based capital ratio | 13.1596% | 3,988 |
| Total risk-based capital ratio | 14.4118% | 3,894 |
| Memoranda: | ||
| Average total assets | $215,132,000 | 2,835 |
| Average earning assets | $205,178,000 | 2,774 |
| Average equity | $17,068,000 | 3,542 |
| Average total loans | $132,729,500 | 2,924 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8930% | 3,593 |
| Cost of funding earning assets | 0.1387% | 5,495 |
| Net interest margin | 3.7543% | 2,485 |
| Noninterest income to average assets | 0.2058% | 5,181 |
| Noninterest expense to average assets | 2.0152% | 5,159 |
| Loan and lease loss provision to assets | 0.1135% | 2,170 |
| Net operating income to assets | 1.6600% | 595 |
| Return on assets (ROA) | 1.6467% | 641 |
| Pretax return on assets | 1.6486% | 1,140 |
| Return on Equity (ROE) | 19.1831% | 257 |
| Retained earnings to average equity (ytd only) | 2.4027% | 4,157 |
| Net charge-offs to loans | 0.0078% | 3,997 |
| Credit loss provision to net charge-offs | 2,400.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 375.3000% | 214 |
| Efficiency ratio | 53.1636% | 5,304 |
| Assets per employee ($millions) | 6.7866% | 1,012 |
| Cash dividends to net income (ytd only)* | 87.4749% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 1,857 |
| Loan loss allowance to noncurrent loans | 1,549.6000% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 5,105 |
| Noncurrent loans to loans | 0.0938% | 4,862 |
| Net loans and leases to total assets | 60.4590% | 3,797 |
| Net loans and leases to deposits | 66.1934% | 4,229 |
| Net loans and leases to core deposits | 66.3721% | 4,504 |
| Total domestic deposits to total assets | 91.3368% | 201 |
| Equity capital to assets | 7.7399% | 5,653 |
| Core capital (leverage) ratio | 8.3847% | 5,381 |
| Tier 1 risk-based capital ratio | 13.0269% | 4,052 |
| Total risk-based capital ratio | 14.2781% | 3,963 |
| Memoranda: | ||
| Average total assets | $211,389,400 | 2,845 |
| Average earning assets | $201,850,400 | 2,769 |
| Average equity | $18,146,200 | 3,381 |
| Average total loans | $128,376,400 | 2,946 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9284% | 3,501 |
| Cost of funding earning assets | 0.1403% | 5,546 |
| Net interest margin | 3.7882% | 2,372 |
| Noninterest income to average assets | 0.2045% | 5,244 |
| Noninterest expense to average assets | 1.9979% | 5,207 |
| Loan and lease loss provision to assets | 0.1143% | 2,024 |
| Net operating income to assets | 1.7084% | 582 |
| Return on assets (ROA) | 1.6906% | 643 |
| Pretax return on assets | 1.6931% | 1,130 |
| Return on Equity (ROE) | 19.2053% | 280 |
| Retained earnings to average equity (ytd only) | 1.2626% | 5,009 |
| Net charge-offs to loans | -0.0042% | 4,585 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2591% | 5,370 |
| Assets per employee ($millions) | 6.6787% | 1,011 |
| Cash dividends to net income (ytd only)* | 93.4262% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 1,929 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 5,360 |
| Noncurrent loans to loans | 0.0541% | 5,137 |
| Net loans and leases to total assets | 59.6582% | 3,924 |
| Net loans and leases to deposits | 65.5232% | 4,387 |
| Net loans and leases to core deposits | 65.7032% | 4,628 |
| Total domestic deposits to total assets | 91.0490% | 184 |
| Equity capital to assets | 8.7844% | 5,328 |
| Core capital (leverage) ratio | 8.5567% | 5,310 |
| Tier 1 risk-based capital ratio | 13.2291% | 4,018 |
| Total risk-based capital ratio | 14.4813% | 3,928 |
| Memoranda: | ||
| Average total assets | $209,943,750 | 2,868 |
| Average earning assets | $200,549,250 | 2,796 |
| Average equity | $18,480,500 | 3,370 |
| Average total loans | $127,161,250 | 2,967 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 3,195 |
| Cost of funding earning assets | 0.1456% | 5,576 |
| Net interest margin | 3.8678% | 2,093 |
| Noninterest income to average assets | 0.2003% | 5,301 |
| Noninterest expense to average assets | 2.0433% | 5,186 |
| Loan and lease loss provision to assets | 0.1150% | 1,966 |
| Net operating income to assets | 1.7299% | 545 |
| Return on assets (ROA) | 1.7030% | 607 |
| Pretax return on assets | 1.7069% | 1,073 |
| Return on Equity (ROE) | 19.3334% | 275 |
| Retained earnings to average equity (ytd only) | 6.1797% | 2,028 |
| Net charge-offs to loans | -0.0032% | 4,441 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4994% | 5,416 |
| Assets per employee ($millions) | 6.3553% | 1,167 |
| Cash dividends to net income (ytd only)* | 68.0360% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 2,255 |
| Loan loss allowance to noncurrent loans | 407.3497% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 4,642 |
| Noncurrent loans to loans | 0.3458% | 4,135 |
| Net loans and leases to total assets | 61.0471% | 3,744 |
| Net loans and leases to deposits | 67.2301% | 4,247 |
| Net loans and leases to core deposits | 67.4184% | 4,518 |
| Total domestic deposits to total assets | 90.8032% | 230 |
| Equity capital to assets | 9.0914% | 5,172 |
| Core capital (leverage) ratio | 8.8394% | 5,009 |
| Tier 1 risk-based capital ratio | 13.5018% | 3,903 |
| Total risk-based capital ratio | 14.7530% | 3,810 |
| Memoranda: | ||
| Average total assets | $208,685,330 | 2,901 |
| Average earning assets | $199,185,000 | 2,825 |
| Average equity | $18,382,670 | 3,386 |
| Average total loans | $126,418,000 | 2,993 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 3,085 |
| Cost of funding earning assets | 0.1570% | 5,559 |
| Net interest margin | 3.8797% | 1,997 |
| Noninterest income to average assets | 0.1864% | 5,386 |
| Noninterest expense to average assets | 2.0906% | 5,132 |
| Loan and lease loss provision to assets | 0.1153% | 1,816 |
| Net operating income to assets | 1.6852% | 593 |
| Return on assets (ROA) | 1.6237% | 710 |
| Pretax return on assets | 1.6237% | 1,240 |
| Return on Equity (ROE) | 18.7356% | 310 |
| Retained earnings to average equity (ytd only) | 0.7982% | 4,900 |
| Net charge-offs to loans | -0.0032% | 4,186 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7284% | 5,406 |
| Assets per employee ($millions) | 6.3734% | 1,182 |
| Cash dividends to net income (ytd only)* | 95.7396% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 2,330 |
| Loan loss allowance to noncurrent loans | 406.4368% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 4,706 |
| Noncurrent loans to loans | 0.3496% | 4,179 |
| Net loans and leases to total assets | 60.1511% | 3,752 |
| Net loans and leases to deposits | 66.8270% | 4,177 |
| Net loans and leases to core deposits | 67.0209% | 4,473 |
| Total domestic deposits to total assets | 90.0102% | 592 |
| Equity capital to assets | 8.9954% | 5,172 |
| Core capital (leverage) ratio | 8.5573% | 5,340 |
| Tier 1 risk-based capital ratio | 13.5301% | 3,963 |
| Total risk-based capital ratio | 14.7810% | 3,889 |
| Memoranda: | ||
| Average total assets | $208,165,500 | 2,908 |
| Average earning assets | $198,779,500 | 2,830 |
| Average equity | $18,040,500 | 3,430 |
| Average total loans | $124,697,000 | 3,019 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8196% | 3,983 |
| Cost of funding earning assets | 0.1452% | 5,715 |
| Net interest margin | 3.6743% | 2,856 |
| Noninterest income to average assets | 0.2659% | 4,967 |
| Noninterest expense to average assets | 2.0072% | 5,440 |
| Loan and lease loss provision to assets | 0.1620% | 1,420 |
| Net operating income to assets | 1.6022% | 702 |
| Return on assets (ROA) | 1.6304% | 676 |
| Pretax return on assets | 1.6323% | 1,159 |
| Return on Equity (ROE) | 19.1812% | 290 |
| Retained earnings to average equity (ytd only) | 1.3845% | 4,937 |
| Net charge-offs to loans | 0.1598% | 1,778 |
| Credit loss provision to net charge-offs | 171.7172% | 1,573 |
| Earnings coverage of net charge-offs (x) | 18.7222% | 1,992 |
| Efficiency ratio | 53.1944% | 5,574 |
| Assets per employee ($millions) | 6.4358% | 1,125 |
| Cash dividends to net income (ytd only)* | 92.7820% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 2,580 |
| Loan loss allowance to noncurrent loans | 8,984.2105% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 5,624 |
| Noncurrent loans to loans | 0.0152% | 5,469 |
| Net loans and leases to total assets | 58.0282% | 4,089 |
| Net loans and leases to deposits | 64.4103% | 4,435 |
| Net loans and leases to core deposits | 64.5895% | 4,699 |
| Total domestic deposits to total assets | 90.0915% | 596 |
| Equity capital to assets | 8.3505% | 5,667 |
| Core capital (leverage) ratio | 8.3939% | 5,528 |
| Tier 1 risk-based capital ratio | 13.2831% | 4,112 |
| Total risk-based capital ratio | 14.5332% | 4,063 |
| Memoranda: | ||
| Average total assets | $209,892,600 | 2,855 |
| Average earning assets | $200,363,400 | 2,774 |
| Average equity | $17,840,400 | 3,400 |
| Average total loans | $123,929,600 | 2,989 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8398% | 3,966 |
| Cost of funding earning assets | 0.1461% | 5,812 |
| Net interest margin | 3.6937% | 2,797 |
| Noninterest income to average assets | 0.2848% | 4,910 |
| Noninterest expense to average assets | 1.9560% | 5,557 |
| Loan and lease loss provision to assets | 0.1784% | 1,175 |
| Net operating income to assets | 1.6756% | 657 |
| Return on assets (ROA) | 1.7170% | 628 |
| Pretax return on assets | 1.7196% | 1,053 |
| Return on Equity (ROE) | 20.1113% | 264 |
| Retained earnings to average equity (ytd only) | 2.6119% | 4,551 |
| Net charge-offs to loans | 0.1746% | 1,430 |
| Credit loss provision to net charge-offs | 172.8395% | 1,510 |
| Earnings coverage of net charge-offs (x) | 17.9881% | 2,024 |
| Efficiency ratio | 51.3035% | 5,696 |
| Assets per employee ($millions) | 6.3332% | 1,162 |
| Cash dividends to net income (ytd only)* | 87.0131% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3668% | 2,755 |
| Loan loss allowance to noncurrent loans | 415.5556% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 4,974 |
| Noncurrent loans to loans | 0.3289% | 4,429 |
| Net loans and leases to total assets | 58.1105% | 4,126 |
| Net loans and leases to deposits | 63.7138% | 4,581 |
| Net loans and leases to core deposits | 64.1306% | 4,808 |
| Total domestic deposits to total assets | 91.2055% | 206 |
| Equity capital to assets | 8.6581% | 5,603 |
| Core capital (leverage) ratio | 8.6859% | 5,363 |
| Tier 1 risk-based capital ratio | 13.6315% | 4,063 |
| Total risk-based capital ratio | 14.8817% | 3,992 |
| Memoranda: | ||
| Average total assets | $209,270,000 | 2,882 |
| Average earning assets | $199,865,750 | 2,802 |
| Average equity | $17,866,750 | 3,426 |
| Average total loans | $123,674,750 | 3,013 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8697% | 3,800 |
| Cost of funding earning assets | 0.1471% | 5,870 |
| Net interest margin | 3.7226% | 2,617 |
| Noninterest income to average assets | 0.2904% | 4,888 |
| Noninterest expense to average assets | 1.9297% | 5,664 |
| Loan and lease loss provision to assets | 0.2102% | 924 |
| Net operating income to assets | 1.7004% | 630 |
| Return on assets (ROA) | 1.7625% | 577 |
| Pretax return on assets | 1.7663% | 947 |
| Return on Equity (ROE) | 20.7412% | 240 |
| Retained earnings to average equity (ytd only) | 3.1027% | 4,071 |
| Net charge-offs to loans | 0.2632% | 992 |
| Credit loss provision to net charge-offs | 134.9693% | 1,654 |
| Earnings coverage of net charge-offs (x) | 12.2945% | 2,219 |
| Efficiency ratio | 50.1988% | 5,847 |
| Assets per employee ($millions) | 6.0127% | 1,338 |
| Cash dividends to net income (ytd only)* | 85.0407% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 3,264 |
| Loan loss allowance to noncurrent loans | 698.7069% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 5,268 |
| Noncurrent loans to loans | 0.1855% | 5,037 |
| Net loans and leases to total assets | 60.3816% | 3,776 |
| Net loans and leases to deposits | 66.9382% | 4,231 |
| Net loans and leases to core deposits | 67.3902% | 4,542 |
| Total domestic deposits to total assets | 90.2051% | 574 |
| Equity capital to assets | 8.5206% | 5,668 |
| Core capital (leverage) ratio | 8.6141% | 5,422 |
| Tier 1 risk-based capital ratio | 12.1302% | 5,057 |
| Total risk-based capital ratio | 13.2413% | 5,055 |
| Memoranda: | ||
| Average total assets | $209,361,670 | 2,896 |
| Average earning assets | $199,861,670 | 2,821 |
| Average equity | $17,790,670 | 3,455 |
| Average total loans | $123,856,000 | 3,023 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8783% | 3,706 |
| Cost of funding earning assets | 0.1444% | 5,970 |
| Net interest margin | 3.7339% | 2,497 |
| Noninterest income to average assets | 0.3739% | 4,213 |
| Noninterest expense to average assets | 1.9204% | 5,720 |
| Loan and lease loss provision to assets | 0.1133% | 1,823 |
| Net operating income to assets | 1.8978% | 404 |
| Return on assets (ROA) | 1.8978% | 430 |
| Pretax return on assets | 1.9053% | 711 |
| Return on Equity (ROE) | 22.3625% | 175 |
| Retained earnings to average equity (ytd only) | 5.4516% | 2,808 |
| Net charge-offs to loans | -0.0097% | 4,711 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7536% | 5,983 |
| Assets per employee ($millions) | 6.0582% | 1,361 |
| Cash dividends to net income (ytd only)* | 75.6219% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 3,267 |
| Loan loss allowance to noncurrent loans | 438.5445% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 5,003 |
| Noncurrent loans to loans | 0.3025% | 4,707 |
| Net loans and leases to total assets | 58.7479% | 3,839 |
| Net loans and leases to deposits | 64.5330% | 4,313 |
| Net loans and leases to core deposits | 64.9612% | 4,611 |
| Total domestic deposits to total assets | 91.0355% | 353 |
| Equity capital to assets | 8.9091% | 5,383 |
| Core capital (leverage) ratio | 8.4899% | 5,525 |
| Tier 1 risk-based capital ratio | 13.6044% | 4,275 |
| Total risk-based capital ratio | 14.8541% | 4,185 |
| Memoranda: | ||
| Average total assets | $211,826,000 | 2,889 |
| Average earning assets | $202,254,500 | 2,810 |
| Average equity | $17,976,500 | 3,447 |
| Average total loans | $123,253,500 | 3,031 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7341% | 4,693 |
| Cost of funding earning assets | 0.1608% | 6,036 |
| Net interest margin | 3.5733% | 3,504 |
| Noninterest income to average assets | 0.2589% | 5,278 |
| Noninterest expense to average assets | 2.1082% | 5,555 |
| Loan and lease loss provision to assets | 0.1188% | 2,193 |
| Net operating income to assets | 1.4182% | 1,044 |
| Return on assets (ROA) | 1.4583% | 998 |
| Pretax return on assets | 1.4593% | 1,697 |
| Return on Equity (ROE) | 17.4122% | 449 |
| Retained earnings to average equity (ytd only) | 1.0521% | 5,302 |
| Net charge-offs to loans | 0.2135% | 1,958 |
| Credit loss provision to net charge-offs | 91.9540% | 2,606 |
| Earnings coverage of net charge-offs (x) | 11.9042% | 2,438 |
| Efficiency ratio | 57.8197% | 5,477 |
| Assets per employee ($millions) | 6.2192% | 1,233 |
| Cash dividends to net income (ytd only)* | 93.9579% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 3,646 |
| Loan loss allowance to noncurrent loans | 337.7970% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 4,977 |
| Noncurrent loans to loans | 0.3738% | 4,525 |
| Net loans and leases to total assets | 56.1887% | 4,310 |
| Net loans and leases to deposits | 61.1703% | 4,793 |
| Net loans and leases to core deposits | 61.5505% | 5,036 |
| Total domestic deposits to total assets | 91.8561% | 167 |
| Equity capital to assets | 8.0865% | 6,015 |
| Core capital (leverage) ratio | 8.2598% | 5,813 |
| Tier 1 risk-based capital ratio | 13.3908% | 4,473 |
| Total risk-based capital ratio | 14.5929% | 4,442 |
| Memoranda: | ||
| Average total assets | $202,018,200 | 2,959 |
| Average earning assets | $191,505,000 | 2,894 |
| Average equity | $16,919,200 | 3,537 |
| Average total loans | $122,226,000 | 3,000 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8179% | 4,480 |
| Cost of funding earning assets | 0.1650% | 6,093 |
| Net interest margin | 3.6529% | 3,212 |
| Noninterest income to average assets | 0.2342% | 5,532 |
| Noninterest expense to average assets | 2.0433% | 5,693 |
| Loan and lease loss provision to assets | 0.1211% | 2,058 |
| Net operating income to assets | 1.5251% | 890 |
| Return on assets (ROA) | 1.5332% | 911 |
| Pretax return on assets | 1.5345% | 1,527 |
| Return on Equity (ROE) | 18.1345% | 427 |
| Retained earnings to average equity (ytd only) | 1.7911% | 5,158 |
| Net charge-offs to loans | 0.1751% | 2,049 |
| Credit loss provision to net charge-offs | 112.5000% | 2,010 |
| Earnings coverage of net charge-offs (x) | 15.2999% | 2,064 |
| Efficiency ratio | 55.3611% | 5,715 |
| Assets per employee ($millions) | 5.7763% | 1,504 |
| Cash dividends to net income (ytd only)* | 90.1227% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 3,618 |
| Loan loss allowance to noncurrent loans | 56.9553% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 1.5131% | 2,035 |
| Noncurrent loans to loans | 2.2909% | 1,306 |
| Net loans and leases to total assets | 60.0498% | 3,778 |
| Net loans and leases to deposits | 65.6806% | 4,369 |
| Net loans and leases to core deposits | 66.1217% | 4,695 |
| Total domestic deposits to total assets | 91.4270% | 252 |
| Equity capital to assets | 8.4612% | 5,823 |
| Core capital (leverage) ratio | 8.6280% | 5,528 |
| Tier 1 risk-based capital ratio | 13.8294% | 4,336 |
| Total risk-based capital ratio | 15.0802% | 4,270 |
| Memoranda: | ||
| Average total assets | $198,104,750 | 3,040 |
| Average earning assets | $187,460,750 | 2,968 |
| Average equity | $16,748,500 | 3,582 |
| Average total loans | $121,814,750 | 3,024 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8537% | 4,318 |
| Cost of funding earning assets | 0.1679% | 6,148 |
| Net interest margin | 3.6858% | 3,014 |
| Noninterest income to average assets | 0.2196% | 5,636 |
| Noninterest expense to average assets | 2.0828% | 5,660 |
| Loan and lease loss provision to assets | 0.1220% | 2,013 |
| Net operating income to assets | 1.4943% | 882 |
| Return on assets (ROA) | 1.5065% | 893 |
| Pretax return on assets | 1.5085% | 1,510 |
| Return on Equity (ROE) | 17.8239% | 477 |
| Retained earnings to average equity (ytd only) | 1.3831% | 5,189 |
| Net charge-offs to loans | 0.2652% | 1,490 |
| Credit loss provision to net charge-offs | 74.5342% | 2,395 |
| Earnings coverage of net charge-offs (x) | 9.8882% | 2,304 |
| Efficiency ratio | 56.2757% | 5,717 |
| Assets per employee ($millions) | 5.8502% | 1,391 |
| Cash dividends to net income (ytd only)* | 92.2402% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 4,115 |
| Loan loss allowance to noncurrent loans | 236.8098% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.5108% | 4,475 |
| Noncurrent loans to loans | 0.5305% | 4,422 |
| Net loans and leases to total assets | 61.0104% | 3,564 |
| Net loans and leases to deposits | 67.1377% | 4,150 |
| Net loans and leases to core deposits | 67.5980% | 4,500 |
| Total domestic deposits to total assets | 90.8736% | 448 |
| Equity capital to assets | 8.6543% | 5,658 |
| Core capital (leverage) ratio | 8.5554% | 5,583 |
| Tier 1 risk-based capital ratio | 13.9134% | 4,312 |
| Total risk-based capital ratio | 15.1509% | 4,270 |
| Memoranda: | ||
| Average total assets | $196,750,000 | 3,073 |
| Average earning assets | $185,848,670 | 3,004 |
| Average equity | $16,629,330 | 3,594 |
| Average total loans | $121,417,330 | 3,038 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8536% | 4,279 |
| Cost of funding earning assets | 0.1675% | 6,244 |
| Net interest margin | 3.6862% | 2,921 |
| Noninterest income to average assets | 0.2065% | 5,703 |
| Noninterest expense to average assets | 2.1587% | 5,560 |
| Loan and lease loss provision to assets | 0.1227% | 1,963 |
| Net operating income to assets | 1.3860% | 1,013 |
| Return on assets (ROA) | 1.3983% | 1,035 |
| Pretax return on assets | 1.4024% | 1,737 |
| Return on Equity (ROE) | 16.7473% | 560 |
| Retained earnings to average equity (ytd only) | 8.1778% | 1,544 |
| Net charge-offs to loans | 0.1425% | 1,872 |
| Credit loss provision to net charge-offs | 139.5349% | 1,317 |
| Earnings coverage of net charge-offs (x) | 17.2093% | 1,466 |
| Efficiency ratio | 58.7973% | 5,569 |
| Assets per employee ($millions) | 5.8133% | 1,444 |
| Cash dividends to net income (ytd only)* | 51.1696% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 3,998 |
| Loan loss allowance to noncurrent loans | 222.5000% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 4,622 |
| Noncurrent loans to loans | 0.5944% | 4,377 |
| Net loans and leases to total assets | 60.4763% | 3,480 |
| Net loans and leases to deposits | 66.1081% | 4,081 |
| Net loans and leases to core deposits | 66.5605% | 4,444 |
| Total domestic deposits to total assets | 91.4809% | 386 |
| Equity capital to assets | 8.4619% | 5,685 |
| Core capital (leverage) ratio | 8.8999% | 5,140 |
| Tier 1 risk-based capital ratio | 14.1299% | 4,232 |
| Total risk-based capital ratio | 15.3807% | 4,190 |
| Memoranda: | ||
| Average total assets | $195,671,500 | 3,104 |
| Average earning assets | $183,930,500 | 3,051 |
| Average equity | $16,337,000 | 3,646 |
| Average total loans | $120,677,000 | 3,059 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 4,947 |
| Cost of funding earning assets | 0.1822% | 6,379 |
| Net interest margin | 3.5769% | 3,566 |
| Noninterest income to average assets | 0.2246% | 5,730 |
| Noninterest expense to average assets | 2.1598% | 5,715 |
| Loan and lease loss provision to assets | 0.1549% | 2,340 |
| Net operating income to assets | 1.2836% | 1,297 |
| Return on assets (ROA) | 1.3089% | 1,267 |
| Pretax return on assets | 1.3115% | 2,102 |
| Return on Equity (ROE) | 15.4133% | 698 |
| Retained earnings to average equity (ytd only) | 0.5898% | 5,572 |
| Net charge-offs to loans | 0.2414% | 2,527 |
| Credit loss provision to net charge-offs | 100.6711% | 2,400 |
| Earnings coverage of net charge-offs (x) | 9.3658% | 2,517 |
| Efficiency ratio | 59.9799% | 5,473 |
| Assets per employee ($millions) | 5.5341% | 1,619 |
| Cash dividends to net income (ytd only)* | 96.1736% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 4,053 |
| Loan loss allowance to noncurrent loans | 161.7978% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.5054% | 4,725 |
| Noncurrent loans to loans | 0.8143% | 3,938 |
| Net loans and leases to total assets | 61.2498% | 3,491 |
| Net loans and leases to deposits | 67.5442% | 4,118 |
| Net loans and leases to core deposits | 68.1844% | 4,495 |
| Total domestic deposits to total assets | 90.6811% | 713 |
| Equity capital to assets | 8.2342% | 5,838 |
| Core capital (leverage) ratio | 8.7994% | 5,279 |
| Tier 1 risk-based capital ratio | 14.0924% | 4,232 |
| Total risk-based capital ratio | 15.3436% | 4,176 |
| Memoranda: | ||
| Average total assets | $193,678,000 | 3,101 |
| Average earning assets | $182,812,000 | 3,041 |
| Average equity | $16,446,800 | 3,635 |
| Average total loans | $123,431,600 | 2,976 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7567% | 5,009 |
| Cost of funding earning assets | 0.1856% | 6,472 |
| Net interest margin | 3.5710% | 3,571 |
| Noninterest income to average assets | 0.2368% | 5,740 |
| Noninterest expense to average assets | 2.1327% | 5,765 |
| Loan and lease loss provision to assets | 0.1859% | 1,959 |
| Net operating income to assets | 1.2915% | 1,376 |
| Return on assets (ROA) | 1.3252% | 1,336 |
| Pretax return on assets | 1.3287% | 2,217 |
| Return on Equity (ROE) | 15.4883% | 716 |
| Retained earnings to average equity (ytd only) | 0.4505% | 5,789 |
| Net charge-offs to loans | 0.3220% | 1,932 |
| Credit loss provision to net charge-offs | 90.0000% | 2,639 |
| Earnings coverage of net charge-offs (x) | 7.1700% | 2,834 |
| Efficiency ratio | 59.0208% | 5,551 |
| Assets per employee ($millions) | 5.3111% | 1,836 |
| Cash dividends to net income (ytd only)* | 97.0911% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 4,578 |
| Loan loss allowance to noncurrent loans | 114.8669% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.7448% | 4,245 |
| Noncurrent loans to loans | 1.0997% | 3,591 |
| Net loans and leases to total assets | 63.4867% | 3,086 |
| Net loans and leases to deposits | 69.4495% | 3,859 |
| Net loans and leases to core deposits | 69.9692% | 4,325 |
| Total domestic deposits to total assets | 91.4142% | 390 |
| Equity capital to assets | 8.4666% | 5,773 |
| Core capital (leverage) ratio | 8.9558% | 5,187 |
| Tier 1 risk-based capital ratio | 14.1065% | 4,349 |
| Total risk-based capital ratio | 15.3644% | 4,293 |
| Memoranda: | ||
| Average total assets | $193,674,500 | 3,129 |
| Average earning assets | $183,136,750 | 3,066 |
| Average equity | $16,571,250 | 3,660 |
| Average total loans | $124,234,500 | 2,971 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7817% | 4,885 |
| Cost of funding earning assets | 0.1907% | 6,521 |
| Net interest margin | 3.5911% | 3,397 |
| Noninterest income to average assets | 0.2262% | 5,826 |
| Noninterest expense to average assets | 2.1285% | 5,802 |
| Loan and lease loss provision to assets | 0.2005% | 1,893 |
| Net operating income to assets | 1.2812% | 1,369 |
| Return on assets (ROA) | 1.3316% | 1,323 |
| Pretax return on assets | 1.3368% | 2,169 |
| Return on Equity (ROE) | 15.5099% | 735 |
| Retained earnings to average equity (ytd only) | 0.4072% | 5,734 |
| Net charge-offs to loans | 0.0128% | 4,606 |
| Credit loss provision to net charge-offs | 2,437.5000% | 139 |
| Earnings coverage of net charge-offs (x) | 180.7500% | 274 |
| Efficiency ratio | 58.8737% | 5,616 |
| Assets per employee ($millions) | 5.1966% | 1,892 |
| Cash dividends to net income (ytd only)* | 97.3745% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 4,041 |
| Loan loss allowance to noncurrent loans | 144.9631% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.6650% | 4,563 |
| Noncurrent loans to loans | 0.9649% | 4,007 |
| Net loans and leases to total assets | 66.6920% | 2,469 |
| Net loans and leases to deposits | 72.8756% | 3,325 |
| Net loans and leases to core deposits | 73.8824% | 3,830 |
| Total domestic deposits to total assets | 91.5148% | 376 |
| Equity capital to assets | 8.4104% | 5,862 |
| Core capital (leverage) ratio | 8.9585% | 5,067 |
| Tier 1 risk-based capital ratio | 13.9065% | 4,483 |
| Total risk-based capital ratio | 15.1666% | 4,446 |
| Memoranda: | ||
| Average total assets | $194,499,670 | 3,135 |
| Average earning assets | $183,567,330 | 3,068 |
| Average equity | $16,699,000 | 3,666 |
| Average total loans | $124,666,330 | 2,976 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7524% | 4,984 |
| Cost of funding earning assets | 0.1890% | 6,626 |
| Net interest margin | 3.5634% | 3,419 |
| Noninterest income to average assets | 0.2381% | 5,760 |
| Noninterest expense to average assets | 2.1714% | 5,759 |
| Loan and lease loss provision to assets | 0.1978% | 1,875 |
| Net operating income to assets | 1.2078% | 1,506 |
| Return on assets (ROA) | 1.3037% | 1,368 |
| Pretax return on assets | 1.3138% | 2,178 |
| Return on Equity (ROE) | 15.0394% | 758 |
| Retained earnings to average equity (ytd only) | 0.3958% | 5,663 |
| Net charge-offs to loans | 0.0032% | 4,104 |
| Credit loss provision to net charge-offs | 9,800.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 701.0000% | 41 |
| Efficiency ratio | 60.5515% | 5,510 |
| Assets per employee ($millions) | 5.2939% | 1,875 |
| Cash dividends to net income (ytd only)* | 97.3684% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 4,371 |
| Loan loss allowance to noncurrent loans | 114.8325% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.8475% | 4,261 |
| Noncurrent loans to loans | 1.1945% | 3,776 |
| Net loans and leases to total assets | 61.6710% | 3,131 |
| Net loans and leases to deposits | 67.5785% | 3,821 |
| Net loans and leases to core deposits | 68.4711% | 4,242 |
| Total domestic deposits to total assets | 91.2582% | 424 |
| Equity capital to assets | 8.6821% | 5,829 |
| Core capital (leverage) ratio | 8.7291% | 5,286 |
| Tier 1 risk-based capital ratio | 13.9828% | 4,517 |
| Total risk-based capital ratio | 15.2422% | 4,474 |
| Memoranda: | ||
| Average total assets | $198,210,500 | 3,116 |
| Average earning assets | $186,229,000 | 3,070 |
| Average equity | $17,181,500 | 3,635 |
| Average total loans | $123,731,500 | 3,019 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0539% | 5,130 |
| Cost of funding earning assets | 0.2698% | 6,592 |
| Net interest margin | 3.7841% | 3,297 |
| Noninterest income to average assets | 0.2149% | 5,888 |
| Noninterest expense to average assets | 2.2411% | 5,830 |
| Loan and lease loss provision to assets | 0.2535% | 2,628 |
| Net operating income to assets | 1.2950% | 1,318 |
| Return on assets (ROA) | 1.2992% | 1,446 |
| Pretax return on assets | 1.3018% | 2,388 |
| Return on Equity (ROE) | 14.3191% | 930 |
| Retained earnings to average equity (ytd only) | 0.6726% | 5,528 |
| Net charge-offs to loans | 0.2763% | 3,279 |
| Credit loss provision to net charge-offs | 142.5220% | 1,921 |
| Earnings coverage of net charge-offs (x) | 8.7214% | 2,366 |
| Efficiency ratio | 59.0978% | 5,688 |
| Assets per employee ($millions) | 5.5707% | 1,621 |
| Cash dividends to net income (ytd only)* | 95.3031% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 4,799 |
| Loan loss allowance to noncurrent loans | 59.1776% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 1.4321% | 3,248 |
| Noncurrent loans to loans | 2.1403% | 2,537 |
| Net loans and leases to total assets | 61.5330% | 3,330 |
| Net loans and leases to deposits | 67.4052% | 4,063 |
| Net loans and leases to core deposits | 68.1030% | 4,519 |
| Total domestic deposits to total assets | 91.2883% | 402 |
| Equity capital to assets | 8.6549% | 5,902 |
| Core capital (leverage) ratio | 8.8749% | 5,068 |
| Tier 1 risk-based capital ratio | 13.5853% | 4,687 |
| Total risk-based capital ratio | 14.8394% | 4,630 |
| Memoranda: | ||
| Average total assets | $191,739,800 | 3,156 |
| Average earning assets | $181,257,000 | 3,070 |
| Average equity | $17,396,400 | 3,560 |
| Average total loans | $123,414,000 | 3,017 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 5,075 |
| Cost of funding earning assets | 0.2918% | 6,650 |
| Net interest margin | 3.8392% | 3,165 |
| Noninterest income to average assets | 0.1956% | 6,127 |
| Noninterest expense to average assets | 2.2159% | 5,915 |
| Loan and lease loss provision to assets | 0.2568% | 2,520 |
| Net operating income to assets | 1.3478% | 1,334 |
| Return on assets (ROA) | 1.3534% | 1,463 |
| Pretax return on assets | 1.3570% | 2,384 |
| Return on Equity (ROE) | 14.7376% | 944 |
| Retained earnings to average equity (ytd only) | 0.9958% | 5,774 |
| Net charge-offs to loans | 0.3425% | 2,740 |
| Credit loss provision to net charge-offs | 115.5063% | 2,519 |
| Earnings coverage of net charge-offs (x) | 7.2342% | 2,632 |
| Efficiency ratio | 57.9470% | 5,798 |
| Assets per employee ($millions) | 5.1714% | 1,965 |
| Cash dividends to net income (ytd only)* | 93.2432% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 5,235 |
| Loan loss allowance to noncurrent loans | 65.2766% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.4014% | 3,502 |
| Noncurrent loans to loans | 1.8540% | 3,010 |
| Net loans and leases to total assets | 65.1999% | 2,800 |
| Net loans and leases to deposits | 72.2637% | 3,569 |
| Net loans and leases to core deposits | 73.0785% | 4,108 |
| Total domestic deposits to total assets | 90.2250% | 712 |
| Equity capital to assets | 9.3807% | 5,364 |
| Core capital (leverage) ratio | 9.2045% | 4,758 |
| Tier 1 risk-based capital ratio | 13.9939% | 4,523 |
| Total risk-based capital ratio | 15.2065% | 4,510 |
| Memoranda: | ||
| Average total assets | $189,538,250 | 3,212 |
| Average earning assets | $179,130,750 | 3,137 |
| Average equity | $17,406,250 | 3,588 |
| Average total loans | $123,021,250 | 3,053 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0772% | 5,398 |
| Cost of funding earning assets | 0.3084% | 6,702 |
| Net interest margin | 3.7687% | 3,501 |
| Noninterest income to average assets | 0.1762% | 6,297 |
| Noninterest expense to average assets | 2.2249% | 5,938 |
| Loan and lease loss provision to assets | 0.2549% | 2,541 |
| Net operating income to assets | 1.2546% | 1,556 |
| Return on assets (ROA) | 1.2630% | 1,704 |
| Pretax return on assets | 1.2682% | 2,654 |
| Return on Equity (ROE) | 13.8494% | 1,156 |
| Retained earnings to average equity (ytd only) | 0.6902% | 5,780 |
| Net charge-offs to loans | 0.3673% | 2,547 |
| Credit loss provision to net charge-offs | 107.5221% | 2,537 |
| Earnings coverage of net charge-offs (x) | 6.3894% | 2,648 |
| Efficiency ratio | 59.4951% | 5,662 |
| Assets per employee ($millions) | 5.1126% | 2,014 |
| Cash dividends to net income (ytd only)* | 95.0166% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 5,664 |
| Loan loss allowance to noncurrent loans | 78.1418% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.1144% | 4,159 |
| Noncurrent loans to loans | 1.4419% | 3,754 |
| Net loans and leases to total assets | 69.3697% | 2,037 |
| Net loans and leases to deposits | 76.8986% | 2,851 |
| Net loans and leases to core deposits | 77.7741% | 3,552 |
| Total domestic deposits to total assets | 90.2093% | 809 |
| Equity capital to assets | 9.4370% | 5,146 |
| Core capital (leverage) ratio | 9.0545% | 4,832 |
| Tier 1 risk-based capital ratio | 13.5453% | 4,788 |
| Total risk-based capital ratio | 14.6984% | 4,823 |
| Memoranda: | ||
| Average total assets | $190,661,330 | 3,209 |
| Average earning assets | $180,272,670 | 3,125 |
| Average equity | $17,387,000 | 3,586 |
| Average total loans | $123,072,000 | 3,070 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9425% | 5,918 |
| Cost of funding earning assets | 0.3260% | 6,745 |
| Net interest margin | 3.6165% | 4,195 |
| Noninterest income to average assets | 0.1237% | 6,636 |
| Noninterest expense to average assets | 2.2519% | 5,894 |
| Loan and lease loss provision to assets | 0.2516% | 2,440 |
| Net operating income to assets | 1.0187% | 2,403 |
| Return on assets (ROA) | 1.0187% | 2,597 |
| Pretax return on assets | 1.0290% | 3,576 |
| Return on Equity (ROE) | 11.3589% | 1,882 |
| Retained earnings to average equity (ytd only) | 3.3111% | 4,580 |
| Net charge-offs to loans | 0.6898% | 1,444 |
| Credit loss provision to net charge-offs | 58.9372% | 3,139 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,988 |
| Efficiency ratio | 63.7478% | 4,970 |
| Assets per employee ($millions) | 5.2989% | 1,885 |
| Cash dividends to net income (ytd only)* | 70.8502% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 5,767 |
| Loan loss allowance to noncurrent loans | 77.9700% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.2571% | 4,040 |
| Noncurrent loans to loans | 1.4592% | 3,925 |
| Net loans and leases to total assets | 61.5835% | 3,342 |
| Net loans and leases to deposits | 68.0354% | 4,051 |
| Net loans and leases to core deposits | 68.7774% | 4,592 |
| Total domestic deposits to total assets | 90.5170% | 794 |
| Equity capital to assets | 9.1475% | 5,296 |
| Core capital (leverage) ratio | 8.8554% | 5,056 |
| Tier 1 risk-based capital ratio | 14.2243% | 4,293 |
| Total risk-based capital ratio | 15.3440% | 4,373 |
| Memoranda: | ||
| Average total assets | $193,965,500 | 3,180 |
| Average earning assets | $182,826,500 | 3,113 |
| Average equity | $17,396,000 | 3,592 |
| Average total loans | $120,042,000 | 3,156 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2776% | 5,829 |
| Cost of funding earning assets | 0.4467% | 6,739 |
| Net interest margin | 3.8309% | 3,667 |
| Noninterest income to average assets | 0.2250% | 5,923 |
| Noninterest expense to average assets | 2.3032% | 6,030 |
| Loan and lease loss provision to assets | 0.3358% | 3,007 |
| Net operating income to assets | 1.1848% | 1,548 |
| Return on assets (ROA) | 1.1848% | 1,663 |
| Pretax return on assets | 1.1875% | 2,502 |
| Return on Equity (ROE) | 12.7113% | 1,228 |
| Retained earnings to average equity (ytd only) | -0.3448% | 5,908 |
| Net charge-offs to loans | 0.3091% | 3,854 |
| Credit loss provision to net charge-offs | 166.7553% | 1,618 |
| Earnings coverage of net charge-offs (x) | 7.5638% | 2,317 |
| Efficiency ratio | 60.1904% | 5,729 |
| Assets per employee ($millions) | 5.4769% | 1,659 |
| Cash dividends to net income (ytd only)* | 102.7125% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 5,457 |
| Loan loss allowance to noncurrent loans | 53.0432% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 1.5778% | 3,578 |
| Noncurrent loans to loans | 2.2358% | 2,916 |
| Net loans and leases to total assets | 60.7682% | 3,836 |
| Net loans and leases to deposits | 66.8773% | 4,608 |
| Net loans and leases to core deposits | 67.5777% | 5,081 |
| Total domestic deposits to total assets | 90.8652% | 558 |
| Equity capital to assets | 8.7955% | 5,800 |
| Core capital (leverage) ratio | 8.6924% | 5,263 |
| Tier 1 risk-based capital ratio | 13.1949% | 4,921 |
| Total risk-based capital ratio | 14.3090% | 4,994 |
| Memoranda: | ||
| Average total assets | $186,697,800 | 3,239 |
| Average earning assets | $175,519,800 | 3,151 |
| Average equity | $17,401,800 | 3,517 |
| Average total loans | $121,627,200 | 3,146 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 5,845 |
| Cost of funding earning assets | 0.4729% | 6,802 |
| Net interest margin | 3.8576% | 3,579 |
| Noninterest income to average assets | 0.2289% | 5,978 |
| Noninterest expense to average assets | 2.3105% | 6,002 |
| Loan and lease loss provision to assets | 0.2455% | 3,550 |
| Net operating income to assets | 1.2972% | 1,380 |
| Return on assets (ROA) | 1.2972% | 1,478 |
| Pretax return on assets | 1.3009% | 2,285 |
| Return on Equity (ROE) | 13.7106% | 1,103 |
| Retained earnings to average equity (ytd only) | 0.3139% | 5,855 |
| Net charge-offs to loans | 0.2651% | 3,784 |
| Credit loss provision to net charge-offs | 140.0826% | 2,273 |
| Earnings coverage of net charge-offs (x) | 8.8223% | 2,119 |
| Efficiency ratio | 59.9061% | 5,738 |
| Assets per employee ($millions) | 5.3364% | 1,764 |
| Cash dividends to net income (ytd only)* | 97.7110% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 6,043 |
| Loan loss allowance to noncurrent loans | 40.2948% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 2.1722% | 2,936 |
| Noncurrent loans to loans | 2.6091% | 2,663 |
| Net loans and leases to total assets | 62.9532% | 3,518 |
| Net loans and leases to deposits | 69.5969% | 4,361 |
| Net loans and leases to core deposits | 70.4528% | 4,896 |
| Total domestic deposits to total assets | 90.4540% | 657 |
| Equity capital to assets | 9.1322% | 5,606 |
| Core capital (leverage) ratio | 9.0722% | 4,822 |
| Tier 1 risk-based capital ratio | 13.2591% | 4,910 |
| Total risk-based capital ratio | 14.2537% | 5,065 |
| Memoranda: | ||
| Average total assets | $184,080,000 | 3,290 |
| Average earning assets | $173,127,000 | 3,196 |
| Average equity | $17,416,750 | 3,523 |
| Average total loans | $121,720,500 | 3,167 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3682% | 5,796 |
| Cost of funding earning assets | 0.4941% | 6,865 |
| Net interest margin | 3.8742% | 3,418 |
| Noninterest income to average assets | 0.2470% | 5,880 |
| Noninterest expense to average assets | 2.3936% | 5,865 |
| Loan and lease loss provision to assets | 0.2403% | 3,507 |
| Net operating income to assets | 1.2558% | 1,428 |
| Return on assets (ROA) | 1.2558% | 1,496 |
| Pretax return on assets | 1.2613% | 2,264 |
| Return on Equity (ROE) | 13.1113% | 1,176 |
| Retained earnings to average equity (ytd only) | 0.1496% | 5,778 |
| Net charge-offs to loans | 0.3916% | 2,994 |
| Credit loss provision to net charge-offs | 91.5966% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.7227% | 2,542 |
| Efficiency ratio | 61.4492% | 5,662 |
| Assets per employee ($millions) | 4.9522% | 2,196 |
| Cash dividends to net income (ytd only)* | 98.8586% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9655% | 6,465 |
| Loan loss allowance to noncurrent loans | 38.1997% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 2.2119% | 2,962 |
| Noncurrent loans to loans | 2.5275% | 2,859 |
| Net loans and leases to total assets | 65.3297% | 3,178 |
| Net loans and leases to deposits | 72.5529% | 4,028 |
| Net loans and leases to core deposits | 73.6397% | 4,624 |
| Total domestic deposits to total assets | 90.0443% | 955 |
| Equity capital to assets | 9.5693% | 4,710 |
| Core capital (leverage) ratio | 9.4940% | 3,968 |
| Tier 1 risk-based capital ratio | 13.4659% | 4,556 |
| Total risk-based capital ratio | 14.3847% | 4,791 |
| Memoranda: | ||
| Average total assets | $181,403,000 | 3,347 |
| Average earning assets | $170,824,330 | 3,263 |
| Average equity | $17,374,330 | 3,516 |
| Average total loans | $121,552,330 | 3,200 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3904% | 5,727 |
| Cost of funding earning assets | 0.5059% | 6,951 |
| Net interest margin | 3.8846% | 3,221 |
| Noninterest income to average assets | 0.2615% | 5,791 |
| Noninterest expense to average assets | 2.4489% | 5,743 |
| Loan and lease loss provision to assets | 0.2371% | 3,294 |
| Net operating income to assets | 1.2233% | 1,467 |
| Return on assets (ROA) | 1.2233% | 1,524 |
| Pretax return on assets | 1.2344% | 2,254 |
| Return on Equity (ROE) | 12.7671% | 1,257 |
| Retained earnings to average equity (ytd only) | -0.6939% | 5,926 |
| Net charge-offs to loans | 0.3019% | 2,837 |
| Credit loss provision to net charge-offs | 116.3043% | 2,327 |
| Earnings coverage of net charge-offs (x) | 7.2174% | 1,979 |
| Efficiency ratio | 62.4647% | 5,602 |
| Assets per employee ($millions) | 4.7781% | 2,460 |
| Cash dividends to net income (ytd only)* | 105.4348% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 6,378 |
| Loan loss allowance to noncurrent loans | 52.1701% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 1.8627% | 3,480 |
| Noncurrent loans to loans | 1.9285% | 3,661 |
| Net loans and leases to total assets | 66.8991% | 2,785 |
| Net loans and leases to deposits | 75.2154% | 3,550 |
| Net loans and leases to core deposits | 76.3955% | 4,252 |
| Total domestic deposits to total assets | 88.9434% | 1,806 |
| Equity capital to assets | 9.7653% | 4,081 |
| Core capital (leverage) ratio | 9.4337% | 3,909 |
| Tier 1 risk-based capital ratio | 13.7558% | 4,242 |
| Total risk-based capital ratio | 14.7249% | 4,417 |
| Memoranda: | ||
| Average total assets | $180,488,500 | 3,381 |
| Average earning assets | $170,006,000 | 3,303 |
| Average equity | $17,294,500 | 3,525 |
| Average total loans | $121,892,500 | 3,219 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7652% | 5,558 |
| Cost of funding earning assets | 0.7205% | 6,823 |
| Net interest margin | 4.0447% | 2,822 |
| Noninterest income to average assets | 0.0372% | 7,167 |
| Noninterest expense to average assets | 2.3538% | 6,210 |
| Loan and lease loss provision to assets | 0.2543% | 4,759 |
| Net operating income to assets | 1.2346% | 1,331 |
| Return on assets (ROA) | 1.2346% | 1,404 |
| Pretax return on assets | 1.2374% | 2,114 |
| Return on Equity (ROE) | 12.5816% | 1,198 |
| Retained earnings to average equity (ytd only) | -1.1993% | 5,836 |
| Net charge-offs to loans | 0.3287% | 4,363 |
| Credit loss provision to net charge-offs | 117.1355% | 3,654 |
| Earnings coverage of net charge-offs (x) | 6.8721% | 2,254 |
| Efficiency ratio | 61.2098% | 5,857 |
| Assets per employee ($millions) | 4.9780% | 2,181 |
| Cash dividends to net income (ytd only)* | 109.5324% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 6,557 |
| Loan loss allowance to noncurrent loans | 34.0115% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 1.9486% | 3,413 |
| Noncurrent loans to loans | 2.8075% | 2,720 |
| Net loans and leases to total assets | 66.8478% | 3,259 |
| Net loans and leases to deposits | 74.0998% | 4,174 |
| Net loans and leases to core deposits | 75.0446% | 4,846 |
| Total domestic deposits to total assets | 90.2132% | 979 |
| Equity capital to assets | 9.4062% | 4,539 |
| Core capital (leverage) ratio | 9.0705% | 4,411 |
| Tier 1 risk-based capital ratio | 13.4653% | 4,233 |
| Total risk-based capital ratio | 14.4005% | 4,445 |
| Memoranda: | ||
| Average total assets | $180,135,200 | 3,374 |
| Average earning assets | $169,604,200 | 3,288 |
| Average equity | $17,676,600 | 3,479 |
| Average total loans | $118,947,800 | 3,329 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 5,551 |
| Cost of funding earning assets | 0.7628% | 6,873 |
| Net interest margin | 4.0669% | 2,778 |
| Noninterest income to average assets | 0.1816% | 6,579 |
| Noninterest expense to average assets | 2.3395% | 6,204 |
| Loan and lease loss provision to assets | 0.4161% | 3,407 |
| Net operating income to assets | 1.2438% | 1,481 |
| Return on assets (ROA) | 1.2438% | 1,562 |
| Pretax return on assets | 1.2475% | 2,346 |
| Return on Equity (ROE) | 12.5415% | 1,377 |
| Retained earnings to average equity (ytd only) | -1.6362% | 6,125 |
| Net charge-offs to loans | 0.4297% | 3,574 |
| Credit loss provision to net charge-offs | 147.4934% | 2,657 |
| Earnings coverage of net charge-offs (x) | 5.8971% | 2,651 |
| Efficiency ratio | 58.4418% | 6,198 |
| Assets per employee ($millions) | 5.0221% | 2,147 |
| Cash dividends to net income (ytd only)* | 113.0461% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 5,963 |
| Loan loss allowance to noncurrent loans | 28.4029% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 2.5245% | 2,844 |
| Noncurrent loans to loans | 3.8585% | 1,977 |
| Net loans and leases to total assets | 63.1372% | 4,294 |
| Net loans and leases to deposits | 70.0851% | 5,132 |
| Net loans and leases to core deposits | 71.6364% | 5,556 |
| Total domestic deposits to total assets | 90.0866% | 834 |
| Equity capital to assets | 9.4554% | 4,915 |
| Core capital (leverage) ratio | 9.2736% | 4,245 |
| Tier 1 risk-based capital ratio | 13.6339% | 4,093 |
| Total risk-based capital ratio | 14.6712% | 4,215 |
| Memoranda: | ||
| Average total assets | $179,122,250 | 3,433 |
| Average earning assets | $168,316,000 | 3,351 |
| Average equity | $17,764,500 | 3,514 |
| Average total loans | $117,606,750 | 3,411 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 5,172 |
| Cost of funding earning assets | 0.7785% | 6,979 |
| Net interest margin | 4.1727% | 2,249 |
| Noninterest income to average assets | 0.1594% | 6,755 |
| Noninterest expense to average assets | 2.3811% | 6,114 |
| Loan and lease loss provision to assets | 0.2408% | 4,506 |
| Net operating income to assets | 1.4404% | 1,013 |
| Return on assets (ROA) | 1.4404% | 1,083 |
| Pretax return on assets | 1.4461% | 1,707 |
| Return on Equity (ROE) | 14.2911% | 973 |
| Retained earnings to average equity (ytd only) | 3.0512% | 4,160 |
| Net charge-offs to loans | -0.0546% | 7,462 |
| Credit loss provision to net charge-offs | -665.6250% | 6,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5325% | 6,299 |
| Assets per employee ($millions) | 5.1073% | 2,034 |
| Cash dividends to net income (ytd only)* | 78.6499% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1296% | 5,797 |
| Loan loss allowance to noncurrent loans | 29.4778% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 2.5900% | 2,803 |
| Noncurrent loans to loans | 3.8319% | 2,009 |
| Net loans and leases to total assets | 65.0299% | 4,038 |
| Net loans and leases to deposits | 72.5588% | 4,899 |
| Net loans and leases to core deposits | 74.2309% | 5,420 |
| Total domestic deposits to total assets | 89.6238% | 1,113 |
| Equity capital to assets | 9.8051% | 4,254 |
| Core capital (leverage) ratio | 9.9708% | 3,197 |
| Tier 1 risk-based capital ratio | 13.8694% | 3,823 |
| Total risk-based capital ratio | 14.9474% | 3,903 |
| Memoranda: | ||
| Average total assets | $176,890,000 | 3,490 |
| Average earning assets | $165,696,330 | 3,417 |
| Average equity | $17,829,330 | 3,487 |
| Average total loans | $117,268,670 | 3,453 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0119% | 4,964 |
| Cost of funding earning assets | 0.8020% | 7,082 |
| Net interest margin | 4.2099% | 2,001 |
| Noninterest income to average assets | 0.1038% | 7,185 |
| Noninterest expense to average assets | 2.4682% | 5,843 |
| Loan and lease loss provision to assets | 0.2468% | 4,072 |
| Net operating income to assets | 1.3125% | 1,270 |
| Return on assets (ROA) | 1.3125% | 1,343 |
| Pretax return on assets | 1.3241% | 1,984 |
| Return on Equity (ROE) | 12.8370% | 1,284 |
| Retained earnings to average equity (ytd only) | -1.3085% | 6,095 |
| Net charge-offs to loans | -0.0139% | 6,981 |
| Credit loss provision to net charge-offs | -2,675.0000% | 6,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1079% | 5,979 |
| Assets per employee ($millions) | 4.7619% | 2,555 |
| Cash dividends to net income (ytd only)* | 110.1933% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 6,241 |
| Loan loss allowance to noncurrent loans | 31.4526% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 2.3677% | 3,064 |
| Noncurrent loans to loans | 3.3322% | 2,401 |
| Net loans and leases to total assets | 67.8514% | 3,425 |
| Net loans and leases to deposits | 76.1441% | 4,384 |
| Net loans and leases to core deposits | 78.2384% | 4,995 |
| Total domestic deposits to total assets | 89.1092% | 1,465 |
| Equity capital to assets | 10.2929% | 3,485 |
| Core capital (leverage) ratio | 9.9302% | 3,250 |
| Tier 1 risk-based capital ratio | 13.9358% | 3,703 |
| Total risk-based capital ratio | 14.9314% | 3,827 |
| Memoranda: | ||
| Average total assets | $173,403,500 | 3,605 |
| Average earning assets | $162,094,500 | 3,528 |
| Average equity | $17,730,000 | 3,535 |
| Average total loans | $115,437,000 | 3,554 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1404% | 5,920 |
| Cost of funding earning assets | 1.1405% | 6,851 |
| Net interest margin | 3.9999% | 2,865 |
| Noninterest income to average assets | 0.2610% | 6,246 |
| Noninterest expense to average assets | 2.3740% | 6,538 |
| Loan and lease loss provision to assets | 0.3884% | 4,460 |
| Net operating income to assets | 1.2458% | 1,138 |
| Return on assets (ROA) | 1.2458% | 1,196 |
| Pretax return on assets | 1.2485% | 1,829 |
| Return on Equity (ROE) | 12.3182% | 1,088 |
| Retained earnings to average equity (ytd only) | -1.0092% | 5,259 |
| Net charge-offs to loans | 0.1902% | 5,461 |
| Credit loss provision to net charge-offs | 327.4419% | 997 |
| Earnings coverage of net charge-offs (x) | 13.8000% | 1,402 |
| Efficiency ratio | 59.1884% | 6,592 |
| Assets per employee ($millions) | 4.8716% | 2,379 |
| Cash dividends to net income (ytd only)* | 108.1931% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 6,448 |
| Loan loss allowance to noncurrent loans | 42.7863% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 1.6884% | 3,832 |
| Noncurrent loans to loans | 2.3119% | 3,277 |
| Net loans and leases to total assets | 63.9784% | 4,600 |
| Net loans and leases to deposits | 71.7261% | 5,365 |
| Net loans and leases to core deposits | 76.2649% | 6,378 |
| Total domestic deposits to total assets | 89.1982% | 1,389 |
| Equity capital to assets | 10.1581% | 3,553 |
| Core capital (leverage) ratio | 9.8525% | 3,267 |
| Tier 1 risk-based capital ratio | 14.1741% | 3,391 |
| Total risk-based capital ratio | 15.0924% | 3,545 |
| Memoranda: | ||
| Average total assets | $181,253,400 | 3,416 |
| Average earning assets | $169,929,800 | 3,348 |
| Average equity | $18,330,600 | 3,457 |
| Average total loans | $113,021,400 | 3,625 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1680% | 6,020 |
| Cost of funding earning assets | 1.2050% | 6,869 |
| Net interest margin | 3.9630% | 2,980 |
| Noninterest income to average assets | 0.2641% | 6,339 |
| Noninterest expense to average assets | 2.3365% | 6,606 |
| Loan and lease loss provision to assets | 0.2043% | 5,354 |
| Net operating income to assets | 1.4440% | 933 |
| Return on assets (ROA) | 1.4440% | 992 |
| Pretax return on assets | 1.4477% | 1,570 |
| Return on Equity (ROE) | 14.2940% | 879 |
| Retained earnings to average equity (ytd only) | 0.0578% | 5,177 |
| Net charge-offs to loans | 0.0696% | 5,993 |
| Credit loss provision to net charge-offs | 474.5763% | 827 |
| Earnings coverage of net charge-offs (x) | 38.3752% | 776 |
| Efficiency ratio | 58.5803% | 6,632 |
| Assets per employee ($millions) | 4.8456% | 2,337 |
| Cash dividends to net income (ytd only)* | 99.5956% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7651% | 7,212 |
| Loan loss allowance to noncurrent loans | 30.7581% | 6,403 |
| Noncurrent assets plus other real estate owned to assets | 1.6911% | 3,841 |
| Noncurrent loans to loans | 2.4876% | 3,030 |
| Net loans and leases to total assets | 63.3448% | 5,007 |
| Net loans and leases to deposits | 71.6690% | 5,705 |
| Net loans and leases to core deposits | 77.4591% | 6,528 |
| Total domestic deposits to total assets | 88.3853% | 1,481 |
| Equity capital to assets | 10.5026% | 3,511 |
| Core capital (leverage) ratio | 9.7203% | 3,619 |
| Tier 1 risk-based capital ratio | 14.5722% | 3,235 |
| Total risk-based capital ratio | 15.2818% | 3,483 |
| Memoranda: | ||
| Average total assets | $182,722,250 | 3,421 |
| Average earning assets | $171,718,750 | 3,349 |
| Average equity | $18,459,500 | 3,459 |
| Average total loans | $112,945,500 | 3,654 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1685% | 6,198 |
| Cost of funding earning assets | 1.2588% | 6,930 |
| Net interest margin | 3.9097% | 3,064 |
| Noninterest income to average assets | 0.2696% | 6,341 |
| Noninterest expense to average assets | 2.2751% | 6,837 |
| Loan and lease loss provision to assets | 0.1973% | 5,081 |
| Net operating income to assets | 1.4621% | 915 |
| Return on assets (ROA) | 1.4621% | 975 |
| Pretax return on assets | 1.4675% | 1,538 |
| Return on Equity (ROE) | 14.6550% | 879 |
| Retained earnings to average equity (ytd only) | 0.2378% | 5,118 |
| Net charge-offs to loans | 0.0670% | 5,563 |
| Credit loss provision to net charge-offs | 481.5789% | 964 |
| Earnings coverage of net charge-offs (x) | 40.6316% | 803 |
| Efficiency ratio | 57.7449% | 6,900 |
| Assets per employee ($millions) | 5.0988% | 1,970 |
| Cash dividends to net income (ytd only)* | 98.3776% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6870% | 7,450 |
| Loan loss allowance to noncurrent loans | 26.2146% | 6,759 |
| Noncurrent assets plus other real estate owned to assets | 1.7847% | 3,503 |
| Noncurrent loans to loans | 2.6206% | 2,759 |
| Net loans and leases to total assets | 61.1946% | 5,486 |
| Net loans and leases to deposits | 68.7444% | 6,119 |
| Net loans and leases to core deposits | 76.3319% | 6,650 |
| Total domestic deposits to total assets | 89.0176% | 1,262 |
| Equity capital to assets | 9.9729% | 3,978 |
| Core capital (leverage) ratio | 9.4937% | 3,896 |
| Tier 1 risk-based capital ratio | 14.3588% | 3,325 |
| Total risk-based capital ratio | 14.9959% | 3,596 |
| Memoranda: | ||
| Average total assets | $185,482,330 | 3,399 |
| Average earning assets | $174,131,330 | 3,344 |
| Average equity | $18,505,670 | 3,469 |
| Average total loans | $113,476,670 | 3,689 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1790% | 6,381 |
| Cost of funding earning assets | 1.3314% | 6,927 |
| Net interest margin | 3.8476% | 3,256 |
| Noninterest income to average assets | 0.2682% | 6,298 |
| Noninterest expense to average assets | 2.3106% | 6,504 |
| Loan and lease loss provision to assets | 0.1974% | 4,469 |
| Net operating income to assets | 1.3516% | 1,253 |
| Return on assets (ROA) | 1.3516% | 1,343 |
| Pretax return on assets | 1.3623% | 2,075 |
| Return on Equity (ROE) | 13.5444% | 1,259 |
| Retained earnings to average equity (ytd only) | -0.8600% | 5,856 |
| Net charge-offs to loans | 0.0422% | 4,889 |
| Credit loss provision to net charge-offs | 766.6667% | 777 |
| Earnings coverage of net charge-offs (x) | 60.5833% | 643 |
| Efficiency ratio | 59.7007% | 6,443 |
| Assets per employee ($millions) | 5.3272% | 1,720 |
| Cash dividends to net income (ytd only)* | 106.3492% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6263% | 7,614 |
| Loan loss allowance to noncurrent loans | 19.8716% | 7,176 |
| Noncurrent assets plus other real estate owned to assets | 2.0284% | 2,849 |
| Noncurrent loans to loans | 3.1519% | 2,048 |
| Net loans and leases to total assets | 60.5872% | 5,560 |
| Net loans and leases to deposits | 67.9421% | 6,190 |
| Net loans and leases to core deposits | 75.6162% | 6,704 |
| Total domestic deposits to total assets | 89.1747% | 1,159 |
| Equity capital to assets | 9.8706% | 4,156 |
| Core capital (leverage) ratio | 9.4558% | 4,043 |
| Tier 1 risk-based capital ratio | 14.1059% | 3,524 |
| Total risk-based capital ratio | 14.6815% | 3,828 |
| Memoranda: | ||
| Average total assets | $186,445,000 | 3,406 |
| Average earning assets | $174,551,000 | 3,356 |
| Average equity | $18,605,500 | 3,469 |
| Average total loans | $113,663,000 | 3,706 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8637% | 6,216 |
| Cost of funding earning assets | 1.9198% | 6,673 |
| Net interest margin | 3.9439% | 3,391 |
| Noninterest income to average assets | 0.2518% | 6,650 |
| Noninterest expense to average assets | 2.2019% | 6,958 |
| Loan and lease loss provision to assets | 0.1259% | 5,758 |
| Net operating income to assets | 1.6055% | 828 |
| Return on assets (ROA) | 1.6055% | 791 |
| Pretax return on assets | 1.5987% | 1,387 |
| Return on Equity (ROE) | 15.7378% | 810 |
| Retained earnings to average equity (ytd only) | 0.8596% | 4,708 |
| Net charge-offs to loans | 0.6857% | 1,789 |
| Credit loss provision to net charge-offs | 29.5515% | 6,531 |
| Earnings coverage of net charge-offs (x) | 4.0475% | 4,126 |
| Efficiency ratio | 56.0773% | 6,997 |
| Assets per employee ($millions) | 5.3268% | 1,615 |
| Cash dividends to net income (ytd only)* | 94.5378% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5561% | 7,753 |
| Loan loss allowance to noncurrent loans | 27.7193% | 6,848 |
| Noncurrent assets plus other real estate owned to assets | 1.4611% | 3,298 |
| Noncurrent loans to loans | 2.0062% | 2,753 |
| Net loans and leases to total assets | 60.6185% | 5,822 |
| Net loans and leases to deposits | 68.1632% | 6,450 |
| Net loans and leases to core deposits | 72.7540% | 7,031 |
| Total domestic deposits to total assets | 88.9314% | 1,074 |
| Equity capital to assets | 10.0875% | 3,932 |
| Core capital (leverage) ratio | 9.4686% | 4,056 |
| Tier 1 risk-based capital ratio | 14.1908% | 3,453 |
| Total risk-based capital ratio | 14.7036% | 3,750 |
| Memoranda: | ||
| Average total assets | $177,892,400 | 3,434 |
| Average earning assets | $165,749,200 | 3,393 |
| Average equity | $18,147,400 | 3,538 |
| Average total loans | $110,536,600 | 3,665 |