Home > Citizens Bank & Trust Co. of Jackson > Performance and Condition Ratios
Citizens Bank & Trust Co. of Jackson, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6853% | 947 |
| Cost of funding earning assets | 0.9622% | 3,387 |
| Net interest margin | 4.7231% | 465 |
| Noninterest income to average assets | 0.8700% | 812 |
| Noninterest expense to average assets | 3.5606% | 537 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.5572% | 925 |
| Return on assets (ROA) | 1.5572% | 894 |
| Pretax return on assets | 1.5572% | 1,316 |
| Return on Equity (ROE) | 16.5100% | 1,016 |
| Retained earnings to average equity (ytd only) | 10.4389% | 916 |
| Net charge-offs to loans | 0.0533% | 1,336 |
| Credit loss provision to net charge-offs | 166.2338% | 1,375 |
| Earnings coverage of net charge-offs (x) | 41.0519% | 1,432 |
| Efficiency ratio | 68.6906% | 2,035 |
| Assets per employee ($millions) | 4.2231% | 4,072 |
| Cash dividends to net income (ytd only)* | 36.7623% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 1,408 |
| Loan loss allowance to noncurrent loans | 2,178.9474% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.7262% | 712 |
| Noncurrent loans to loans | 0.0640% | 3,254 |
| Net loans and leases to total assets | 72.2100% | 1,555 |
| Net loans and leases to deposits | 81.2019% | 2,015 |
| Net loans and leases to core deposits | 97.2754% | 1,579 |
| Total domestic deposits to total assets | 88.9300% | 1,087 |
| Equity capital to assets | 9.6400% | 2,244 |
| Core capital (leverage) ratio | 9.0655% | 3,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5817% | 1,656 |
| Memoranda: | ||
| Average total assets | $194,770,600 | 3,019 |
| Average earning assets | $177,722,400 | 3,029 |
| Average equity | $18,373,600 | 2,985 |
| Average total loans | $144,511,600 | 2,721 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5807% | 923 |
| Cost of funding earning assets | 0.6850% | 3,797 |
| Net interest margin | 4.8957% | 355 |
| Noninterest income to average assets | 0.8300% | 883 |
| Noninterest expense to average assets | 3.5735% | 508 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.5595% | 1,005 |
| Return on assets (ROA) | 1.5595% | 1,002 |
| Pretax return on assets | 1.5595% | 1,442 |
| Return on Equity (ROE) | 16.6300% | 1,145 |
| Retained earnings to average equity (ytd only) | 12.3879% | 906 |
| Net charge-offs to loans | -0.0269% | 4,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.4367% | 2,081 |
| Assets per employee ($millions) | 4.0632% | 4,138 |
| Cash dividends to net income (ytd only)* | 25.4989% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5435% | 1,005 |
| Loan loss allowance to noncurrent loans | 204.2857% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.6921% | 824 |
| Noncurrent loans to loans | 0.7556% | 1,101 |
| Net loans and leases to total assets | 73.3000% | 1,437 |
| Net loans and leases to deposits | 82.3637% | 1,878 |
| Net loans and leases to core deposits | 96.2933% | 1,537 |
| Total domestic deposits to total assets | 89.0000% | 1,249 |
| Equity capital to assets | 9.5063% | 2,091 |
| Core capital (leverage) ratio | 9.3832% | 3,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3027% | 1,790 |
| Memoranda: | ||
| Average total assets | $192,786,500 | 3,039 |
| Average earning assets | $175,960,000 | 3,049 |
| Average equity | $18,081,750 | 2,999 |
| Average total loans | $143,526,750 | 2,731 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5380% | 790 |
| Cost of funding earning assets | 0.5342% | 3,914 |
| Net interest margin | 5.0038% | 307 |
| Noninterest income to average assets | 0.9200% | 658 |
| Noninterest expense to average assets | 3.5987% | 476 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 1.6551% | 861 |
| Return on assets (ROA) | 1.6551% | 863 |
| Pretax return on assets | 1.6551% | 1,310 |
| Return on Equity (ROE) | 17.7300% | 983 |
| Retained earnings to average equity (ytd only) | 11.2697% | 1,132 |
| Net charge-offs to loans | -0.0620% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.7406% | 2,273 |
| Assets per employee ($millions) | 3.8909% | 4,229 |
| Cash dividends to net income (ytd only)* | 36.4385% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 1,009 |
| Loan loss allowance to noncurrent loans | 178.8356% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.6559% | 807 |
| Noncurrent loans to loans | 0.8732% | 869 |
| Net loans and leases to total assets | 73.6500% | 1,334 |
| Net loans and leases to deposits | 81.6370% | 1,856 |
| Net loans and leases to core deposits | 87.7649% | 1,941 |
| Total domestic deposits to total assets | 90.2100% | 863 |
| Equity capital to assets | 9.3746% | 2,249 |
| Core capital (leverage) ratio | 8.9836% | 3,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0455% | 1,882 |
| Memoranda: | ||
| Average total assets | $190,682,333 | 3,063 |
| Average earning assets | $173,707,667 | 3,078 |
| Average equity | $17,800,000 | 3,035 |
| Average total loans | $141,957,667 | 2,752 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4074% | 705 |
| Cost of funding earning assets | 0.3881% | 3,997 |
| Net interest margin | 5.0193% | 293 |
| Noninterest income to average assets | 0.9800% | 598 |
| Noninterest expense to average assets | 3.6237% | 471 |
| Loan and lease loss provision to assets | 0.3800% | 213 |
| Net operating income to assets | 1.5533% | 1,073 |
| Return on assets (ROA) | 1.5533% | 1,067 |
| Pretax return on assets | 1.5533% | 1,570 |
| Return on Equity (ROE) | 16.6700% | 1,231 |
| Retained earnings to average equity (ytd only) | 16.6724% | 623 |
| Net charge-offs to loans | 0.0400% | 964 |
| Credit loss provision to net charge-offs | 1,285.7143% | 315 |
| Earnings coverage of net charge-offs (x) | 65.2143% | 976 |
| Efficiency ratio | 65.1925% | 2,300 |
| Assets per employee ($millions) | 3.9571% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 1,228 |
| Loan loss allowance to noncurrent loans | 1,138.7435% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 2,822 |
| Noncurrent loans to loans | 0.1325% | 2,849 |
| Net loans and leases to total assets | 73.2000% | 1,299 |
| Net loans and leases to deposits | 81.0264% | 1,747 |
| Net loans and leases to core deposits | 86.7698% | 1,817 |
| Total domestic deposits to total assets | 90.3400% | 1,033 |
| Equity capital to assets | 9.3141% | 2,287 |
| Core capital (leverage) ratio | 9.2425% | 3,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9550% | 1,986 |
| Memoranda: | ||
| Average total assets | $188,755,500 | 3,115 |
| Average earning assets | $172,135,000 | 3,126 |
| Average equity | $17,586,000 | 3,077 |
| Average total loans | $140,161,500 | 2,797 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4615% | 777 |
| Cost of funding earning assets | 0.1935% | 3,812 |
| Net interest margin | 4.2679% | 457 |
| Noninterest income to average assets | 1.1600% | 505 |
| Noninterest expense to average assets | 3.3861% | 555 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 1.4146% | 1,096 |
| Return on assets (ROA) | 1.4307% | 1,013 |
| Pretax return on assets | 1.4391% | 1,663 |
| Return on Equity (ROE) | 15.9700% | 1,061 |
| Retained earnings to average equity (ytd only) | 15.9686% | 230 |
| Net charge-offs to loans | -0.0618% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.2199% | 2,057 |
| Assets per employee ($millions) | 3.8252% | 4,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 1,278 |
| Loan loss allowance to noncurrent loans | 580.6358% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 2,237 |
| Noncurrent loans to loans | 0.2540% | 2,248 |
| Net loans and leases to total assets | 73.0900% | 1,303 |
| Net loans and leases to deposits | 80.8732% | 1,704 |
| Net loans and leases to core deposits | 86.5880% | 1,706 |
| Total domestic deposits to total assets | 90.3800% | 1,209 |
| Equity capital to assets | 9.3197% | 2,140 |
| Core capital (leverage) ratio | 8.9853% | 3,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9577% | 1,991 |
| Memoranda: | ||
| Average total assets | $178,230,400 | 3,211 |
| Average earning assets | $161,718,200 | 3,225 |
| Average equity | $15,968,800 | 3,277 |
| Average total loans | $121,429,600 | 2,903 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1271% | 1,014 |
| Cost of funding earning assets | 0.2003% | 3,269 |
| Net interest margin | 3.9269% | 751 |
| Noninterest income to average assets | 1.0200% | 639 |
| Noninterest expense to average assets | 3.3105% | 588 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2598% | 1,496 |
| Return on assets (ROA) | 1.2814% | 1,391 |
| Pretax return on assets | 1.2912% | 2,071 |
| Return on Equity (ROE) | 14.4500% | 1,306 |
| Retained earnings to average equity (ytd only) | 14.4527% | 413 |
| Net charge-offs to loans | -0.1291% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.2844% | 1,477 |
| Assets per employee ($millions) | 4.0165% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 2,069 |
| Loan loss allowance to noncurrent loans | 211.4691% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.4200% | 1,295 |
| Noncurrent loans to loans | 0.6110% | 1,326 |
| Net loans and leases to total assets | 67.8500% | 1,692 |
| Net loans and leases to deposits | 74.5940% | 1,991 |
| Net loans and leases to core deposits | 79.4347% | 1,942 |
| Total domestic deposits to total assets | 90.9600% | 1,257 |
| Equity capital to assets | 8.6898% | 2,415 |
| Core capital (leverage) ratio | 8.6405% | 3,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9910% | 2,055 |
| Memoranda: | ||
| Average total assets | $176,885,250 | 3,239 |
| Average earning assets | $160,462,000 | 3,263 |
| Average equity | $15,683,000 | 3,348 |
| Average total loans | $117,734,500 | 2,946 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8949% | 1,121 |
| Cost of funding earning assets | 0.2095% | 2,791 |
| Net interest margin | 3.6854% | 932 |
| Noninterest income to average assets | 1.0341% | 622 |
| Noninterest expense to average assets | 3.2985% | 552 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0536% | 1,961 |
| Return on assets (ROA) | 1.0536% | 1,927 |
| Pretax return on assets | 1.0662% | 2,525 |
| Return on Equity (ROE) | 11.8002% | 1,724 |
| Retained earnings to average equity (ytd only) | 11.8002% | 636 |
| Net charge-offs to loans | -0.0680% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5719% | 1,326 |
| Assets per employee ($millions) | 3.7662% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 2,291 |
| Loan loss allowance to noncurrent loans | 978.7500% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 3,091 |
| Noncurrent loans to loans | 0.1304% | 3,068 |
| Net loans and leases to total assets | 68.4189% | 1,443 |
| Net loans and leases to deposits | 75.3498% | 1,735 |
| Net loans and leases to core deposits | 80.9195% | 1,665 |
| Total domestic deposits to total assets | 90.8017% | 1,339 |
| Equity capital to assets | 8.8497% | 2,498 |
| Core capital (leverage) ratio | 8.3365% | 4,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1484% | 1,998 |
| Memoranda: | ||
| Average total assets | $174,261,333 | 3,295 |
| Average earning assets | $157,487,333 | 3,331 |
| Average equity | $15,559,000 | 3,447 |
| Average total loans | $114,646,000 | 3,009 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7218% | 1,236 |
| Cost of funding earning assets | 0.2207% | 2,518 |
| Net interest margin | 3.5011% | 1,088 |
| Noninterest income to average assets | 1.0365% | 636 |
| Noninterest expense to average assets | 3.3178% | 522 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8699% | 2,417 |
| Return on assets (ROA) | 0.8699% | 2,405 |
| Pretax return on assets | 0.8746% | 2,875 |
| Return on Equity (ROE) | 9.6995% | 2,081 |
| Retained earnings to average equity (ytd only) | 9.6995% | 1,094 |
| Net charge-offs to loans | -0.0723% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1391% | 1,218 |
| Assets per employee ($millions) | 3.8686% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 1,995 |
| Loan loss allowance to noncurrent loans | 836.2162% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 2,037 |
| Noncurrent loans to loans | 0.1648% | 2,986 |
| Net loans and leases to total assets | 63.5850% | 1,669 |
| Net loans and leases to deposits | 69.9670% | 1,970 |
| Net loans and leases to core deposits | 75.1009% | 1,840 |
| Total domestic deposits to total assets | 90.8786% | 1,096 |
| Equity capital to assets | 8.8106% | 2,868 |
| Core capital (leverage) ratio | 8.2272% | 4,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8982% | 1,838 |
| Memoranda: | ||
| Average total assets | $172,886,500 | 3,321 |
| Average earning assets | $155,837,000 | 3,361 |
| Average equity | $15,506,000 | 3,516 |
| Average total loans | $110,631,500 | 3,057 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9641% | 1,444 |
| Cost of funding earning assets | 0.3579% | 1,873 |
| Net interest margin | 3.6062% | 1,448 |
| Noninterest income to average assets | 0.9761% | 1,049 |
| Noninterest expense to average assets | 3.3170% | 614 |
| Loan and lease loss provision to assets | 0.0177% | 2,717 |
| Net operating income to assets | 0.8861% | 3,097 |
| Return on assets (ROA) | 0.8902% | 3,134 |
| Pretax return on assets | 0.8902% | 3,532 |
| Return on Equity (ROE) | 9.9522% | 2,540 |
| Retained earnings to average equity (ytd only) | 9.9522% | 929 |
| Net charge-offs to loans | 0.0602% | 1,181 |
| Credit loss provision to net charge-offs | 46.8750% | 2,153 |
| Earnings coverage of net charge-offs (x) | 23.9844% | 1,760 |
| Efficiency ratio | 78.5884% | 897 |
| Assets per employee ($millions) | 3.7323% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 1,917 |
| Loan loss allowance to noncurrent loans | 246.6882% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 1,638 |
| Noncurrent loans to loans | 0.5678% | 1,720 |
| Net loans and leases to total assets | 62.6118% | 1,869 |
| Net loans and leases to deposits | 69.1570% | 2,207 |
| Net loans and leases to core deposits | 73.6710% | 2,109 |
| Total domestic deposits to total assets | 90.5357% | 699 |
| Equity capital to assets | 9.1294% | 3,481 |
| Core capital (leverage) ratio | 8.0991% | 4,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5064% | 1,685 |
| Memoranda: | ||
| Average total assets | $169,853,800 | 3,304 |
| Average earning assets | $152,820,800 | 3,348 |
| Average equity | $15,192,600 | 3,614 |
| Average total loans | $106,374,800 | 3,120 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0183% | 1,499 |
| Cost of funding earning assets | 0.3877% | 1,796 |
| Net interest margin | 3.6306% | 1,522 |
| Noninterest income to average assets | 0.9650% | 1,127 |
| Noninterest expense to average assets | 3.2790% | 614 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9508% | 3,076 |
| Return on assets (ROA) | 0.9540% | 3,149 |
| Pretax return on assets | 0.9540% | 3,579 |
| Return on Equity (ROE) | 10.7214% | 2,470 |
| Retained earnings to average equity (ytd only) | 10.7214% | 1,115 |
| Net charge-offs to loans | 0.0467% | 1,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 32.6486% | 1,481 |
| Efficiency ratio | 77.5214% | 915 |
| Assets per employee ($millions) | 3.5943% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4553% | 1,796 |
| Loan loss allowance to noncurrent loans | 70.4251% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.4914% | 330 |
| Noncurrent loans to loans | 2.0664% | 417 |
| Net loans and leases to total assets | 59.8167% | 2,286 |
| Net loans and leases to deposits | 66.0125% | 2,625 |
| Net loans and leases to core deposits | 70.2935% | 2,567 |
| Total domestic deposits to total assets | 90.6142% | 500 |
| Equity capital to assets | 9.0195% | 3,815 |
| Core capital (leverage) ratio | 7.9013% | 4,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5866% | 1,769 |
| Memoranda: | ||
| Average total assets | $169,395,250 | 3,342 |
| Average earning assets | $152,331,250 | 3,388 |
| Average equity | $15,072,250 | 3,671 |
| Average total loans | $105,712,500 | 3,170 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2466% | 1,100 |
| Cost of funding earning assets | 0.4207% | 1,732 |
| Net interest margin | 3.8259% | 1,100 |
| Noninterest income to average assets | 0.9658% | 1,128 |
| Noninterest expense to average assets | 3.2765% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1250% | 2,450 |
| Return on assets (ROA) | 1.1298% | 2,505 |
| Pretax return on assets | 1.1298% | 3,114 |
| Return on Equity (ROE) | 12.7571% | 1,806 |
| Retained earnings to average equity (ytd only) | 12.7571% | 769 |
| Net charge-offs to loans | 0.0453% | 1,181 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 39.4583% | 1,172 |
| Efficiency ratio | 74.4399% | 1,209 |
| Assets per employee ($millions) | 3.5590% | 4,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 1,905 |
| Loan loss allowance to noncurrent loans | 521.0169% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 2,013 |
| Noncurrent loans to loans | 0.2718% | 2,964 |
| Net loans and leases to total assets | 62.6264% | 2,105 |
| Net loans and leases to deposits | 69.0834% | 2,505 |
| Net loans and leases to core deposits | 73.8165% | 2,427 |
| Total domestic deposits to total assets | 90.6534% | 495 |
| Equity capital to assets | 8.9808% | 3,810 |
| Core capital (leverage) ratio | 7.6654% | 4,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8871% | 2,006 |
| Memoranda: | ||
| Average total assets | $168,351,333 | 3,357 |
| Average earning assets | $151,180,000 | 3,400 |
| Average equity | $14,909,333 | 3,690 |
| Average total loans | $106,042,000 | 3,181 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4159% | 893 |
| Cost of funding earning assets | 0.4568% | 1,671 |
| Net interest margin | 3.9591% | 898 |
| Noninterest income to average assets | 0.9479% | 1,222 |
| Noninterest expense to average assets | 3.3606% | 551 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1346% | 2,374 |
| Return on assets (ROA) | 1.1370% | 2,438 |
| Pretax return on assets | 1.1370% | 3,024 |
| Return on Equity (ROE) | 12.9313% | 1,688 |
| Retained earnings to average equity (ytd only) | 12.9313% | 925 |
| Net charge-offs to loans | 0.0573% | 940 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 31.6000% | 1,076 |
| Efficiency ratio | 74.7604% | 1,242 |
| Assets per employee ($millions) | 3.5205% | 4,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4616% | 1,733 |
| Loan loss allowance to noncurrent loans | 672.1739% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 2,642 |
| Noncurrent loans to loans | 0.2175% | 3,326 |
| Net loans and leases to total assets | 60.4189% | 2,484 |
| Net loans and leases to deposits | 66.3815% | 2,880 |
| Net loans and leases to core deposits | 70.8777% | 2,794 |
| Total domestic deposits to total assets | 91.0176% | 390 |
| Equity capital to assets | 8.6462% | 4,004 |
| Core capital (leverage) ratio | 7.7903% | 4,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4660% | 1,753 |
| Memoranda: | ||
| Average total assets | $167,111,000 | 3,366 |
| Average earning assets | $149,730,000 | 3,418 |
| Average equity | $14,693,000 | 3,718 |
| Average total loans | $104,801,500 | 3,200 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4685% | 1,389 |
| Cost of funding earning assets | 0.7372% | 1,527 |
| Net interest margin | 3.7312% | 1,699 |
| Noninterest income to average assets | 1.0774% | 922 |
| Noninterest expense to average assets | 3.5537% | 644 |
| Loan and lease loss provision to assets | 0.5122% | 466 |
| Net operating income to assets | 0.3425% | 4,369 |
| Return on assets (ROA) | 0.3451% | 4,428 |
| Pretax return on assets | 0.3451% | 4,497 |
| Return on Equity (ROE) | 3.7327% | 4,218 |
| Retained earnings to average equity (ytd only) | 2.6939% | 3,509 |
| Net charge-offs to loans | 0.2266% | 766 |
| Credit loss provision to net charge-offs | 326.5306% | 1,650 |
| Earnings coverage of net charge-offs (x) | 5.4490% | 2,865 |
| Efficiency ratio | 80.6128% | 843 |
| Assets per employee ($millions) | 3.3691% | 4,701 |
| Cash dividends to net income (ytd only)* | 27.8293% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 1,572 |
| Loan loss allowance to noncurrent loans | 269.1379% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.5658% | 1,863 |
| Noncurrent loans to loans | 0.5586% | 2,306 |
| Net loans and leases to total assets | 63.2403% | 2,462 |
| Net loans and leases to deposits | 69.8324% | 2,895 |
| Net loans and leases to core deposits | 74.7704% | 2,840 |
| Total domestic deposits to total assets | 90.5601% | 350 |
| Equity capital to assets | 8.9483% | 4,106 |
| Core capital (leverage) ratio | 7.6832% | 4,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8617% | 2,295 |
| Memoranda: | ||
| Average total assets | $156,203,400 | 3,324 |
| Average earning assets | $139,444,200 | 3,387 |
| Average equity | $14,439,800 | 3,700 |
| Average total loans | $108,128,600 | 3,118 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6402% | 1,203 |
| Cost of funding earning assets | 0.7843% | 1,569 |
| Net interest margin | 3.8559% | 1,462 |
| Noninterest income to average assets | 1.0954% | 864 |
| Noninterest expense to average assets | 3.6315% | 591 |
| Loan and lease loss provision to assets | 0.1938% | 2,039 |
| Net operating income to assets | 0.7122% | 3,423 |
| Return on assets (ROA) | 0.7156% | 3,508 |
| Pretax return on assets | 0.7156% | 3,871 |
| Return on Equity (ROE) | 7.6772% | 2,931 |
| Retained earnings to average equity (ytd only) | 6.2914% | 1,978 |
| Net charge-offs to loans | 0.1831% | 815 |
| Credit loss provision to net charge-offs | 150.0000% | 2,323 |
| Earnings coverage of net charge-offs (x) | 7.0133% | 2,607 |
| Efficiency ratio | 80.0342% | 869 |
| Assets per employee ($millions) | 3.3459% | 4,724 |
| Cash dividends to net income (ytd only)* | 18.0505% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 3,729 |
| Loan loss allowance to noncurrent loans | 154.2083% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.6326% | 1,840 |
| Noncurrent loans to loans | 0.6449% | 2,180 |
| Net loans and leases to total assets | 67.0064% | 2,386 |
| Net loans and leases to deposits | 74.2389% | 2,931 |
| Net loans and leases to core deposits | 80.1264% | 2,831 |
| Total domestic deposits to total assets | 90.2578% | 344 |
| Equity capital to assets | 9.2154% | 3,940 |
| Core capital (leverage) ratio | 7.8542% | 4,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3155% | 2,497 |
| Memoranda: | ||
| Average total assets | $154,824,750 | 3,318 |
| Average earning assets | $138,209,500 | 3,390 |
| Average equity | $14,432,000 | 3,703 |
| Average total loans | $109,202,750 | 3,114 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9293% | 928 |
| Cost of funding earning assets | 0.8389% | 1,638 |
| Net interest margin | 4.0904% | 1,135 |
| Noninterest income to average assets | 1.1027% | 818 |
| Noninterest expense to average assets | 3.7070% | 569 |
| Loan and lease loss provision to assets | 0.1962% | 2,079 |
| Net operating income to assets | 0.8476% | 2,877 |
| Return on assets (ROA) | 0.8502% | 2,982 |
| Pretax return on assets | 0.8502% | 3,458 |
| Return on Equity (ROE) | 9.0850% | 2,329 |
| Retained earnings to average equity (ytd only) | 6.9884% | 1,667 |
| Net charge-offs to loans | 0.1847% | 820 |
| Credit loss provision to net charge-offs | 148.5149% | 2,135 |
| Earnings coverage of net charge-offs (x) | 7.9010% | 2,331 |
| Efficiency ratio | 78.0286% | 1,053 |
| Assets per employee ($millions) | 3.2345% | 4,774 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 3,689 |
| Loan loss allowance to noncurrent loans | 92.2203% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.8650% | 1,433 |
| Noncurrent loans to loans | 1.0565% | 1,479 |
| Net loans and leases to total assets | 66.3037% | 2,584 |
| Net loans and leases to deposits | 73.3198% | 3,138 |
| Net loans and leases to core deposits | 79.9271% | 2,951 |
| Total domestic deposits to total assets | 90.4308% | 292 |
| Equity capital to assets | 9.0579% | 4,034 |
| Core capital (leverage) ratio | 7.8222% | 4,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6898% | 2,318 |
| Memoranda: | ||
| Average total assets | $152,899,333 | 3,326 |
| Average earning assets | $136,368,000 | 3,399 |
| Average equity | $14,309,333 | 3,725 |
| Average total loans | $109,372,333 | 3,108 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9598% | 1,047 |
| Cost of funding earning assets | 0.9018% | 1,853 |
| Net interest margin | 4.0580% | 1,229 |
| Noninterest income to average assets | 1.2284% | 584 |
| Noninterest expense to average assets | 3.9304% | 542 |
| Loan and lease loss provision to assets | 0.2020% | 1,509 |
| Net operating income to assets | 0.7085% | 3,246 |
| Return on assets (ROA) | 0.7139% | 3,306 |
| Pretax return on assets | 0.7139% | 3,638 |
| Return on Equity (ROE) | 7.4967% | 2,732 |
| Retained earnings to average equity (ytd only) | 3.2533% | 2,979 |
| Net charge-offs to loans | -0.0546% | 4,664 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1909% | 1,025 |
| Assets per employee ($millions) | 3.0438% | 4,776 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,688 |
| Loan loss allowance to noncurrent loans | 99.4555% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.7326% | 1,838 |
| Noncurrent loans to loans | 1.0087% | 1,642 |
| Net loans and leases to total assets | 71.0651% | 2,080 |
| Net loans and leases to deposits | 78.8340% | 2,794 |
| Net loans and leases to core deposits | 86.2410% | 2,659 |
| Total domestic deposits to total assets | 90.1452% | 281 |
| Equity capital to assets | 9.3679% | 4,340 |
| Core capital (leverage) ratio | 8.0841% | 4,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8287% | 2,782 |
| Memoranda: | ||
| Average total assets | $148,485,500 | 3,343 |
| Average earning assets | $132,183,000 | 3,418 |
| Average equity | $14,139,500 | 3,756 |
| Average total loans | $109,915,500 | 3,080 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2953% | 825 |
| Cost of funding earning assets | 0.8742% | 2,313 |
| Net interest margin | 4.4211% | 858 |
| Noninterest income to average assets | 1.1511% | 706 |
| Noninterest expense to average assets | 3.9751% | 544 |
| Loan and lease loss provision to assets | 0.6279% | 190 |
| Net operating income to assets | 0.4925% | 4,418 |
| Return on assets (ROA) | 0.5037% | 4,450 |
| Pretax return on assets | 0.5037% | 4,570 |
| Return on Equity (ROE) | 5.1160% | 4,174 |
| Retained earnings to average equity (ytd only) | 2.7918% | 3,642 |
| Net charge-offs to loans | 0.7843% | 213 |
| Credit loss provision to net charge-offs | 106.3830% | 2,329 |
| Earnings coverage of net charge-offs (x) | 1.8983% | 3,479 |
| Efficiency ratio | 78.0120% | 1,150 |
| Assets per employee ($millions) | 2.8388% | 4,891 |
| Cash dividends to net income (ytd only)* | 45.4294% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 3,915 |
| Loan loss allowance to noncurrent loans | 60.8959% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.1410% | 1,047 |
| Noncurrent loans to loans | 1.4939% | 971 |
| Net loans and leases to total assets | 75.6833% | 1,467 |
| Net loans and leases to deposits | 84.3235% | 2,300 |
| Net loans and leases to core deposits | 93.7773% | 2,085 |
| Total domestic deposits to total assets | 89.7535% | 406 |
| Equity capital to assets | 9.6850% | 4,192 |
| Core capital (leverage) ratio | 8.3782% | 4,908 |
| Tier 1 risk-based capital ratio | 11.5061% | 4,625 |
| Total risk-based capital ratio | 12.4868% | 4,655 |
| Memoranda: | ||
| Average total assets | $143,343,600 | 3,391 |
| Average earning assets | $127,887,000 | 3,461 |
| Average equity | $14,112,600 | 3,734 |
| Average total loans | $107,866,000 | 3,119 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3470% | 783 |
| Cost of funding earning assets | 0.8607% | 2,408 |
| Net interest margin | 4.4863% | 793 |
| Noninterest income to average assets | 1.1414% | 702 |
| Noninterest expense to average assets | 3.9565% | 559 |
| Loan and lease loss provision to assets | 0.2098% | 831 |
| Net operating income to assets | 0.9754% | 3,070 |
| Return on assets (ROA) | 0.9903% | 3,090 |
| Pretax return on assets | 0.9903% | 3,621 |
| Return on Equity (ROE) | 10.0172% | 2,418 |
| Retained earnings to average equity (ytd only) | 10.0172% | 744 |
| Net charge-offs to loans | 0.1555% | 1,064 |
| Credit loss provision to net charge-offs | 180.0000% | 1,429 |
| Earnings coverage of net charge-offs (x) | 10.1681% | 2,518 |
| Efficiency ratio | 76.9496% | 1,228 |
| Assets per employee ($millions) | 2.6818% | 5,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 3,788 |
| Loan loss allowance to noncurrent loans | 65.5044% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.1516% | 1,125 |
| Noncurrent loans to loans | 1.4640% | 1,040 |
| Net loans and leases to total assets | 77.9097% | 1,156 |
| Net loans and leases to deposits | 87.7327% | 1,969 |
| Net loans and leases to core deposits | 99.1368% | 1,729 |
| Total domestic deposits to total assets | 88.8036% | 686 |
| Equity capital to assets | 10.5382% | 3,512 |
| Core capital (leverage) ratio | 8.9744% | 4,657 |
| Tier 1 risk-based capital ratio | 11.5942% | 4,627 |
| Total risk-based capital ratio | 12.5723% | 4,653 |
| Memoranda: | ||
| Average total assets | $142,984,250 | 3,428 |
| Average earning assets | $127,495,250 | 3,495 |
| Average equity | $14,135,250 | 3,763 |
| Average total loans | $107,187,250 | 3,164 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3274% | 769 |
| Cost of funding earning assets | 0.8314% | 2,496 |
| Net interest margin | 4.4959% | 777 |
| Noninterest income to average assets | 1.1154% | 685 |
| Noninterest expense to average assets | 3.9428% | 576 |
| Loan and lease loss provision to assets | 0.2081% | 813 |
| Net operating income to assets | 0.9781% | 3,000 |
| Return on assets (ROA) | 1.0003% | 2,988 |
| Pretax return on assets | 1.0003% | 3,549 |
| Return on Equity (ROE) | 10.3382% | 2,237 |
| Retained earnings to average equity (ytd only) | 10.3382% | 664 |
| Net charge-offs to loans | 0.0677% | 1,690 |
| Credit loss provision to net charge-offs | 416.6667% | 688 |
| Earnings coverage of net charge-offs (x) | 23.7500% | 1,646 |
| Efficiency ratio | 76.8731% | 1,286 |
| Assets per employee ($millions) | 2.5687% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 3,679 |
| Loan loss allowance to noncurrent loans | 84.0032% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 0.8982% | 1,547 |
| Noncurrent loans to loans | 1.1781% | 1,365 |
| Net loans and leases to total assets | 75.4871% | 1,631 |
| Net loans and leases to deposits | 84.5307% | 2,430 |
| Net loans and leases to core deposits | 95.0678% | 2,146 |
| Total domestic deposits to total assets | 89.3015% | 539 |
| Equity capital to assets | 10.1493% | 3,837 |
| Core capital (leverage) ratio | 8.5566% | 4,938 |
| Tier 1 risk-based capital ratio | 11.5552% | 4,658 |
| Total risk-based capital ratio | 12.5707% | 4,673 |
| Memoranda: | ||
| Average total assets | $144,160,670 | 3,430 |
| Average earning assets | $128,694,330 | 3,496 |
| Average equity | $13,948,330 | 3,797 |
| Average total loans | $106,349,330 | 3,193 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4745% | 546 |
| Cost of funding earning assets | 0.7807% | 2,636 |
| Net interest margin | 4.6937% | 504 |
| Noninterest income to average assets | 1.0687% | 699 |
| Noninterest expense to average assets | 3.8461% | 627 |
| Loan and lease loss provision to assets | 0.2060% | 770 |
| Net operating income to assets | 1.2115% | 2,011 |
| Return on assets (ROA) | 1.2555% | 1,912 |
| Pretax return on assets | 1.2555% | 2,605 |
| Return on Equity (ROE) | 13.2916% | 1,140 |
| Retained earnings to average equity (ytd only) | 13.2916% | 429 |
| Net charge-offs to loans | -0.0681% | 4,919 |
| Credit loss provision to net charge-offs | -416.6667% | 3,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0689% | 1,870 |
| Assets per employee ($millions) | 2.7348% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 3,751 |
| Loan loss allowance to noncurrent loans | 101.4549% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.7286% | 1,926 |
| Noncurrent loans to loans | 0.9793% | 1,707 |
| Net loans and leases to total assets | 71.9115% | 2,180 |
| Net loans and leases to deposits | 80.2491% | 2,810 |
| Net loans and leases to core deposits | 90.6821% | 2,426 |
| Total domestic deposits to total assets | 89.6103% | 596 |
| Equity capital to assets | 9.6694% | 4,116 |
| Core capital (leverage) ratio | 8.3413% | 5,089 |
| Tier 1 risk-based capital ratio | 11.1560% | 4,907 |
| Total risk-based capital ratio | 12.1395% | 4,929 |
| Memoranda: | ||
| Average total assets | $145,600,500 | 3,440 |
| Average earning assets | $130,131,500 | 3,512 |
| Average equity | $13,753,000 | 3,835 |
| Average total loans | $105,666,500 | 3,230 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9427% | 1,176 |
| Cost of funding earning assets | 0.7480% | 1,802 |
| Net interest margin | 4.1947% | 1,402 |
| Noninterest income to average assets | 1.1089% | 746 |
| Noninterest expense to average assets | 3.7749% | 712 |
| Loan and lease loss provision to assets | 0.4000% | 340 |
| Net operating income to assets | 0.6813% | 4,196 |
| Return on assets (ROA) | 0.6813% | 4,199 |
| Pretax return on assets | 0.6813% | 4,455 |
| Return on Equity (ROE) | 7.6595% | 3,591 |
| Retained earnings to average equity (ytd only) | 7.1944% | 1,582 |
| Net charge-offs to loans | 0.8020% | 189 |
| Credit loss provision to net charge-offs | 66.1345% | 3,039 |
| Earnings coverage of net charge-offs (x) | 1.7879% | 3,592 |
| Efficiency ratio | 77.7336% | 1,155 |
| Assets per employee ($millions) | 2.9252% | 5,032 |
| Cash dividends to net income (ytd only)* | 6.0729% | 3,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 4,170 |
| Loan loss allowance to noncurrent loans | 62.8383% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.0550% | 1,289 |
| Noncurrent loans to loans | 1.4285% | 1,091 |
| Net loans and leases to total assets | 71.8622% | 2,283 |
| Net loans and leases to deposits | 79.9928% | 2,955 |
| Net loans and leases to core deposits | 90.8097% | 2,505 |
| Total domestic deposits to total assets | 89.8358% | 531 |
| Equity capital to assets | 9.2240% | 4,389 |
| Core capital (leverage) ratio | 7.9484% | 5,256 |
| Tier 1 risk-based capital ratio | 10.9162% | 5,010 |
| Total risk-based capital ratio | 11.8272% | 5,046 |
| Memoranda: | ||
| Average total assets | $145,010,400 | 3,445 |
| Average earning assets | $129,545,200 | 3,497 |
| Average equity | $12,899,000 | 3,900 |
| Average total loans | $109,346,800 | 3,141 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8964% | 1,165 |
| Cost of funding earning assets | 0.7343% | 1,656 |
| Net interest margin | 4.1622% | 1,461 |
| Noninterest income to average assets | 1.1076% | 770 |
| Noninterest expense to average assets | 3.7493% | 713 |
| Loan and lease loss provision to assets | 0.5344% | 198 |
| Net operating income to assets | 0.5427% | 4,664 |
| Return on assets (ROA) | 0.5427% | 4,670 |
| Pretax return on assets | 0.5427% | 4,832 |
| Return on Equity (ROE) | 6.1588% | 4,219 |
| Retained earnings to average equity (ytd only) | 5.5315% | 2,935 |
| Net charge-offs to loans | 0.9742% | 143 |
| Credit loss provision to net charge-offs | 72.0497% | 2,612 |
| Earnings coverage of net charge-offs (x) | 1.4522% | 3,345 |
| Efficiency ratio | 77.6823% | 1,150 |
| Assets per employee ($millions) | 2.7003% | 5,213 |
| Cash dividends to net income (ytd only)* | 10.1871% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 3,952 |
| Loan loss allowance to noncurrent loans | 69.3297% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.0544% | 1,368 |
| Noncurrent loans to loans | 1.3960% | 1,191 |
| Net loans and leases to total assets | 73.2119% | 2,129 |
| Net loans and leases to deposits | 81.6390% | 2,863 |
| Net loans and leases to core deposits | 93.4608% | 2,355 |
| Total domestic deposits to total assets | 89.6776% | 607 |
| Equity capital to assets | 9.1080% | 4,451 |
| Core capital (leverage) ratio | 7.7323% | 5,364 |
| Tier 1 risk-based capital ratio | 10.9320% | 5,069 |
| Total risk-based capital ratio | 11.9490% | 5,079 |
| Memoranda: | ||
| Average total assets | $144,698,250 | 3,484 |
| Average earning assets | $129,287,750 | 3,536 |
| Average equity | $12,751,000 | 3,947 |
| Average total loans | $110,169,250 | 3,153 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8152% | 1,209 |
| Cost of funding earning assets | 0.7167% | 1,536 |
| Net interest margin | 4.0985% | 1,564 |
| Noninterest income to average assets | 1.1128% | 771 |
| Noninterest expense to average assets | 3.7060% | 748 |
| Loan and lease loss provision to assets | 0.7988% | 115 |
| Net operating income to assets | 0.2699% | 5,160 |
| Return on assets (ROA) | 0.2699% | 5,153 |
| Pretax return on assets | 0.2699% | 5,186 |
| Return on Equity (ROE) | 3.0973% | 5,008 |
| Retained earnings to average equity (ytd only) | 2.1491% | 4,415 |
| Net charge-offs to loans | 1.4155% | 89 |
| Credit loss provision to net charge-offs | 73.4177% | 2,320 |
| Earnings coverage of net charge-offs (x) | 0.9823% | 3,094 |
| Efficiency ratio | 77.6175% | 1,232 |
| Assets per employee ($millions) | 3.1735% | 4,954 |
| Cash dividends to net income (ytd only)* | 30.6122% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 4,154 |
| Loan loss allowance to noncurrent loans | 75.6186% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 0.9652% | 1,562 |
| Noncurrent loans to loans | 1.2450% | 1,385 |
| Net loans and leases to total assets | 74.8882% | 1,806 |
| Net loans and leases to deposits | 83.1684% | 2,626 |
| Net loans and leases to core deposits | 97.1303% | 1,951 |
| Total domestic deposits to total assets | 90.0440% | 554 |
| Equity capital to assets | 8.6743% | 4,823 |
| Core capital (leverage) ratio | 7.3829% | 5,453 |
| Tier 1 risk-based capital ratio | 9.7287% | 5,475 |
| Total risk-based capital ratio | 10.6810% | 5,487 |
| Memoranda: | ||
| Average total assets | $145,225,670 | 3,498 |
| Average earning assets | $129,755,000 | 3,554 |
| Average equity | $12,656,330 | 3,983 |
| Average total loans | $111,625,000 | 3,149 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7310% | 1,232 |
| Cost of funding earning assets | 0.6988% | 1,454 |
| Net interest margin | 4.0322% | 1,617 |
| Noninterest income to average assets | 1.1598% | 684 |
| Noninterest expense to average assets | 3.7695% | 698 |
| Loan and lease loss provision to assets | 0.3314% | 370 |
| Net operating income to assets | 0.6600% | 4,244 |
| Return on assets (ROA) | 0.6600% | 4,251 |
| Pretax return on assets | 0.6600% | 4,547 |
| Return on Equity (ROE) | 7.5555% | 3,558 |
| Retained earnings to average equity (ytd only) | 5.6587% | 2,867 |
| Net charge-offs to loans | 0.0178% | 2,149 |
| Credit loss provision to net charge-offs | 2,400.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 71.8000% | 760 |
| Efficiency ratio | 79.1763% | 1,239 |
| Assets per employee ($millions) | 3.2428% | 4,959 |
| Cash dividends to net income (ytd only)* | 25.1046% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 2,700 |
| Loan loss allowance to noncurrent loans | 64.0376% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.4870% | 939 |
| Noncurrent loans to loans | 1.9022% | 858 |
| Net loans and leases to total assets | 75.7983% | 1,570 |
| Net loans and leases to deposits | 84.3972% | 2,350 |
| Net loans and leases to core deposits | 98.3672% | 1,815 |
| Total domestic deposits to total assets | 89.8114% | 732 |
| Equity capital to assets | 8.7146% | 4,812 |
| Core capital (leverage) ratio | 7.5039% | 5,510 |
| Tier 1 risk-based capital ratio | 9.5441% | 5,553 |
| Total risk-based capital ratio | 10.7655% | 5,540 |
| Memoranda: | ||
| Average total assets | $144,847,000 | 3,535 |
| Average earning assets | $129,358,500 | 3,595 |
| Average equity | $12,653,000 | 4,024 |
| Average total loans | $112,256,000 | 3,157 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6169% | 1,379 |
| Cost of funding earning assets | 0.6722% | 1,173 |
| Net interest margin | 3.9447% | 1,936 |
| Noninterest income to average assets | 1.1315% | 794 |
| Noninterest expense to average assets | 3.6785% | 817 |
| Loan and lease loss provision to assets | 1.2268% | 76 |
| Net operating income to assets | -0.2391% | 5,459 |
| Return on assets (ROA) | -0.2391% | 5,457 |
| Pretax return on assets | -0.2391% | 5,506 |
| Return on Equity (ROE) | -2.6660% | 5,479 |
| Retained earnings to average equity (ytd only) | -4.5232% | 5,420 |
| Net charge-offs to loans | 0.3713% | 684 |
| Credit loss provision to net charge-offs | 423.8979% | 729 |
| Earnings coverage of net charge-offs (x) | 3.4130% | 3,612 |
| Efficiency ratio | 78.8315% | 1,245 |
| Assets per employee ($millions) | 2.8189% | 5,307 |
| Cash dividends to net income (ytd only)* | -69.6629% | 5,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3933% | 93 |
| Loan loss allowance to noncurrent loans | 76.1098% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 3.6003% | 184 |
| Noncurrent loans to loans | 4.4584% | 187 |
| Net loans and leases to total assets | 77.4091% | 1,360 |
| Net loans and leases to deposits | 86.5092% | 2,192 |
| Net loans and leases to core deposits | 100.0575% | 1,709 |
| Total domestic deposits to total assets | 89.4808% | 786 |
| Equity capital to assets | 8.7566% | 4,921 |
| Core capital (leverage) ratio | 7.2302% | 5,585 |
| Tier 1 risk-based capital ratio | 9.3016% | 5,618 |
| Total risk-based capital ratio | 10.5788% | 5,605 |
| Memoranda: | ||
| Average total assets | $148,919,400 | 3,484 |
| Average earning assets | $133,444,400 | 3,551 |
| Average equity | $13,353,400 | 3,935 |
| Average total loans | $116,070,200 | 3,106 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5435% | 1,520 |
| Cost of funding earning assets | 0.6631% | 1,162 |
| Net interest margin | 3.8804% | 2,108 |
| Noninterest income to average assets | 1.1175% | 813 |
| Noninterest expense to average assets | 3.6020% | 869 |
| Loan and lease loss provision to assets | 0.3196% | 479 |
| Net operating income to assets | 0.6764% | 4,095 |
| Return on assets (ROA) | 0.6764% | 4,153 |
| Pretax return on assets | 0.6764% | 4,667 |
| Return on Equity (ROE) | 7.5010% | 3,390 |
| Retained earnings to average equity (ytd only) | 6.1426% | 2,147 |
| Net charge-offs to loans | 0.4322% | 485 |
| Credit loss provision to net charge-offs | 95.4907% | 2,380 |
| Earnings coverage of net charge-offs (x) | 2.9761% | 3,398 |
| Efficiency ratio | 78.3398% | 1,286 |
| Assets per employee ($millions) | 3.3727% | 4,885 |
| Cash dividends to net income (ytd only)* | 18.1108% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1908% | 416 |
| Loan loss allowance to noncurrent loans | 48.9988% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 3.4637% | 227 |
| Noncurrent loans to loans | 4.4711% | 199 |
| Net loans and leases to total assets | 75.0932% | 1,746 |
| Net loans and leases to deposits | 84.8978% | 2,449 |
| Net loans and leases to core deposits | 100.0072% | 1,709 |
| Total domestic deposits to total assets | 88.4512% | 1,151 |
| Equity capital to assets | 9.3398% | 4,605 |
| Core capital (leverage) ratio | 8.0982% | 5,478 |
| Tier 1 risk-based capital ratio | 10.1869% | 5,555 |
| Total risk-based capital ratio | 11.4478% | 5,502 |
| Memoranda: | ||
| Average total assets | $150,207,750 | 3,502 |
| Average earning assets | $134,723,500 | 3,561 |
| Average equity | $13,544,500 | 3,945 |
| Average total loans | $116,288,500 | 3,131 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 1,517 |
| Cost of funding earning assets | 0.6607% | 1,084 |
| Net interest margin | 3.8358% | 2,150 |
| Noninterest income to average assets | 1.0676% | 881 |
| Noninterest expense to average assets | 3.6098% | 859 |
| Loan and lease loss provision to assets | 0.3183% | 470 |
| Net operating income to assets | 0.5809% | 4,384 |
| Return on assets (ROA) | 0.5809% | 4,440 |
| Pretax return on assets | 0.5809% | 4,844 |
| Return on Equity (ROE) | 6.5182% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.0271% | 2,099 |
| Net charge-offs to loans | 0.5398% | 359 |
| Credit loss provision to net charge-offs | 75.9494% | 2,307 |
| Earnings coverage of net charge-offs (x) | 2.1456% | 3,199 |
| Efficiency ratio | 80.0588% | 1,203 |
| Assets per employee ($millions) | 3.4991% | 4,721 |
| Cash dividends to net income (ytd only)* | 7.5342% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1331% | 479 |
| Loan loss allowance to noncurrent loans | 47.6721% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 3.5097% | 228 |
| Noncurrent loans to loans | 4.4744% | 183 |
| Net loans and leases to total assets | 76.0817% | 1,538 |
| Net loans and leases to deposits | 86.1059% | 2,202 |
| Net loans and leases to core deposits | 101.0657% | 1,583 |
| Total domestic deposits to total assets | 88.3583% | 1,274 |
| Equity capital to assets | 9.2833% | 4,640 |
| Core capital (leverage) ratio | 7.6540% | 5,619 |
| Tier 1 risk-based capital ratio | 10.3538% | 5,518 |
| Total risk-based capital ratio | 11.6155% | 5,446 |
| Memoranda: | ||
| Average total assets | $150,811,330 | 3,512 |
| Average earning assets | $135,304,670 | 3,569 |
| Average equity | $13,439,330 | 3,967 |
| Average total loans | $117,074,000 | 3,131 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 1,782 |
| Cost of funding earning assets | 0.6477% | 1,089 |
| Net interest margin | 3.7126% | 2,448 |
| Noninterest income to average assets | 1.0205% | 966 |
| Noninterest expense to average assets | 3.5083% | 1,029 |
| Loan and lease loss provision to assets | 0.3116% | 415 |
| Net operating income to assets | 0.5349% | 4,443 |
| Return on assets (ROA) | 0.5349% | 4,484 |
| Pretax return on assets | 0.5349% | 4,886 |
| Return on Equity (ROE) | 5.6294% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.6294% | 2,527 |
| Net charge-offs to loans | 0.1924% | 896 |
| Credit loss provision to net charge-offs | 210.5263% | 986 |
| Earnings coverage of net charge-offs (x) | 5.7193% | 2,265 |
| Efficiency ratio | 80.5605% | 1,307 |
| Assets per employee ($millions) | 3.1358% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 3,755 |
| Loan loss allowance to noncurrent loans | 21.9093% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 3.7885% | 211 |
| Noncurrent loans to loans | 4.9791% | 164 |
| Net loans and leases to total assets | 73.7891% | 1,775 |
| Net loans and leases to deposits | 83.6121% | 2,328 |
| Net loans and leases to core deposits | 101.4833% | 1,404 |
| Total domestic deposits to total assets | 88.2518% | 1,559 |
| Equity capital to assets | 9.4043% | 4,385 |
| Core capital (leverage) ratio | 8.2367% | 5,415 |
| Tier 1 risk-based capital ratio | 11.0011% | 5,312 |
| Total risk-based capital ratio | 12.1161% | 5,301 |
| Memoranda: | ||
| Average total assets | $154,035,500 | 3,503 |
| Average earning assets | $138,338,000 | 3,547 |
| Average equity | $14,637,500 | 3,826 |
| Average total loans | $118,486,500 | 3,132 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6818% | 1,094 |
| Cost of funding earning assets | 0.6464% | 1,077 |
| Net interest margin | 4.0355% | 1,543 |
| Noninterest income to average assets | 1.0359% | 1,053 |
| Noninterest expense to average assets | 3.4823% | 1,202 |
| Loan and lease loss provision to assets | 0.5565% | 239 |
| Net operating income to assets | 0.5946% | 4,226 |
| Return on assets (ROA) | 0.5946% | 4,338 |
| Pretax return on assets | 0.5946% | 4,800 |
| Return on Equity (ROE) | 6.1181% | 3,920 |
| Retained earnings to average equity (ytd only) | 3.2386% | 3,604 |
| Net charge-offs to loans | 0.5294% | 454 |
| Credit loss provision to net charge-offs | 134.9840% | 2,009 |
| Earnings coverage of net charge-offs (x) | 2.7923% | 3,770 |
| Efficiency ratio | 75.1563% | 2,114 |
| Assets per employee ($millions) | 3.7920% | 4,322 |
| Cash dividends to net income (ytd only)* | 47.0653% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 3,758 |
| Loan loss allowance to noncurrent loans | 25.3665% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 3.4704% | 254 |
| Noncurrent loans to loans | 4.3019% | 225 |
| Net loans and leases to total assets | 78.5794% | 1,110 |
| Net loans and leases to deposits | 89.8422% | 1,704 |
| Net loans and leases to core deposits | 105.9062% | 1,138 |
| Total domestic deposits to total assets | 87.4638% | 1,897 |
| Equity capital to assets | 9.8430% | 3,892 |
| Core capital (leverage) ratio | 8.5517% | 5,212 |
| Tier 1 risk-based capital ratio | 10.7342% | 5,471 |
| Total risk-based capital ratio | 11.8383% | 5,460 |
| Memoranda: | ||
| Average total assets | $151,854,400 | 3,490 |
| Average earning assets | $135,374,600 | 3,567 |
| Average equity | $14,759,600 | 3,842 |
| Average total loans | $118,258,000 | 3,096 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 1,171 |
| Cost of funding earning assets | 0.6485% | 1,067 |
| Net interest margin | 4.0081% | 1,627 |
| Noninterest income to average assets | 1.0366% | 1,056 |
| Noninterest expense to average assets | 3.4593% | 1,225 |
| Loan and lease loss provision to assets | 0.3730% | 410 |
| Net operating income to assets | 0.7742% | 3,490 |
| Return on assets (ROA) | 0.7742% | 3,631 |
| Pretax return on assets | 0.7742% | 4,396 |
| Return on Equity (ROE) | 7.9906% | 3,010 |
| Retained earnings to average equity (ytd only) | 5.0462% | 2,797 |
| Net charge-offs to loans | 0.3285% | 702 |
| Credit loss provision to net charge-offs | 146.5517% | 1,797 |
| Earnings coverage of net charge-offs (x) | 4.5069% | 3,260 |
| Efficiency ratio | 75.0953% | 2,091 |
| Assets per employee ($millions) | 3.1129% | 5,276 |
| Cash dividends to net income (ytd only)* | 36.8479% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 4,329 |
| Loan loss allowance to noncurrent loans | 21.9900% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 3.6701% | 250 |
| Noncurrent loans to loans | 4.6100% | 203 |
| Net loans and leases to total assets | 78.8042% | 1,066 |
| Net loans and leases to deposits | 90.3291% | 1,711 |
| Net loans and leases to core deposits | 108.7153% | 1,004 |
| Total domestic deposits to total assets | 87.2412% | 1,783 |
| Equity capital to assets | 9.8722% | 4,275 |
| Core capital (leverage) ratio | 8.5969% | 5,267 |
| Tier 1 risk-based capital ratio | 10.5647% | 5,594 |
| Total risk-based capital ratio | 11.5757% | 5,614 |
| Memoranda: | ||
| Average total assets | $151,897,750 | 3,502 |
| Average earning assets | $135,288,000 | 3,580 |
| Average equity | $14,717,000 | 3,876 |
| Average total loans | $117,696,250 | 3,106 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6521% | 1,162 |
| Cost of funding earning assets | 0.6544% | 1,032 |
| Net interest margin | 3.9977% | 1,651 |
| Noninterest income to average assets | 1.0324% | 1,052 |
| Noninterest expense to average assets | 3.4650% | 1,232 |
| Loan and lease loss provision to assets | 0.4417% | 326 |
| Net operating income to assets | 0.6777% | 3,911 |
| Return on assets (ROA) | 0.6777% | 4,051 |
| Pretax return on assets | 0.6777% | 4,688 |
| Return on Equity (ROE) | 7.0395% | 3,518 |
| Retained earnings to average equity (ytd only) | 2.5885% | 4,243 |
| Net charge-offs to loans | 0.4586% | 489 |
| Credit loss provision to net charge-offs | 125.4682% | 1,799 |
| Earnings coverage of net charge-offs (x) | 3.1798% | 3,158 |
| Efficiency ratio | 75.5824% | 2,138 |
| Assets per employee ($millions) | 3.2010% | 5,201 |
| Cash dividends to net income (ytd only)* | 63.2296% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 4,561 |
| Loan loss allowance to noncurrent loans | 22.2222% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 3.5727% | 291 |
| Noncurrent loans to loans | 4.4811% | 236 |
| Net loans and leases to total assets | 76.9238% | 1,351 |
| Net loans and leases to deposits | 86.2297% | 2,221 |
| Net loans and leases to core deposits | 105.9606% | 1,183 |
| Total domestic deposits to total assets | 89.2080% | 805 |
| Equity capital to assets | 9.7690% | 4,491 |
| Core capital (leverage) ratio | 8.3543% | 5,486 |
| Tier 1 risk-based capital ratio | 10.6857% | 5,587 |
| Total risk-based capital ratio | 11.6811% | 5,620 |
| Memoranda: | ||
| Average total assets | $151,687,000 | 3,536 |
| Average earning assets | $134,778,330 | 3,614 |
| Average equity | $14,603,330 | 3,913 |
| Average total loans | $116,451,330 | 3,133 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5423% | 1,391 |
| Cost of funding earning assets | 0.6624% | 982 |
| Net interest margin | 3.8798% | 1,996 |
| Noninterest income to average assets | 0.9901% | 1,097 |
| Noninterest expense to average assets | 3.4982% | 1,184 |
| Loan and lease loss provision to assets | 0.3230% | 475 |
| Net operating income to assets | 0.6145% | 4,112 |
| Return on assets (ROA) | 0.6145% | 4,231 |
| Pretax return on assets | 0.6145% | 4,773 |
| Return on Equity (ROE) | 6.4301% | 3,765 |
| Retained earnings to average equity (ytd only) | 4.3692% | 3,293 |
| Net charge-offs to loans | 0.7433% | 280 |
| Credit loss provision to net charge-offs | 56.9444% | 1,995 |
| Earnings coverage of net charge-offs (x) | 1.6528% | 2,785 |
| Efficiency ratio | 78.8632% | 1,771 |
| Assets per employee ($millions) | 2.9280% | 5,579 |
| Cash dividends to net income (ytd only)* | 32.0513% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 5,176 |
| Loan loss allowance to noncurrent loans | 92.1028% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 0.9944% | 2,221 |
| Noncurrent loans to loans | 0.9369% | 2,506 |
| Net loans and leases to total assets | 75.6824% | 1,438 |
| Net loans and leases to deposits | 85.0081% | 2,193 |
| Net loans and leases to core deposits | 105.5548% | 1,102 |
| Total domestic deposits to total assets | 89.0297% | 1,084 |
| Equity capital to assets | 9.6220% | 4,541 |
| Core capital (leverage) ratio | 8.3376% | 5,533 |
| Tier 1 risk-based capital ratio | 10.6849% | 5,669 |
| Total risk-based capital ratio | 11.5447% | 5,759 |
| Memoranda: | ||
| Average total assets | $152,308,000 | 3,552 |
| Average earning assets | $135,263,000 | 3,631 |
| Average equity | $14,556,500 | 3,921 |
| Average total loans | $116,231,000 | 3,141 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8278% | 879 |
| Cost of funding earning assets | 0.6580% | 1,026 |
| Net interest margin | 4.1698% | 1,235 |
| Noninterest income to average assets | 1.0489% | 1,071 |
| Noninterest expense to average assets | 3.7760% | 889 |
| Loan and lease loss provision to assets | 0.5367% | 210 |
| Net operating income to assets | 0.4353% | 4,936 |
| Return on assets (ROA) | 0.4347% | 5,016 |
| Pretax return on assets | 0.4347% | 5,255 |
| Return on Equity (ROE) | 4.4387% | 4,766 |
| Retained earnings to average equity (ytd only) | -2.2600% | 5,767 |
| Net charge-offs to loans | 0.5506% | 453 |
| Credit loss provision to net charge-offs | 127.5591% | 2,042 |
| Earnings coverage of net charge-offs (x) | 2.3102% | 3,933 |
| Efficiency ratio | 79.5283% | 1,741 |
| Assets per employee ($millions) | 2.9300% | 5,585 |
| Cash dividends to net income (ytd only)* | 150.9146% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 4,904 |
| Loan loss allowance to noncurrent loans | 112.9897% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.0705% | 2,045 |
| Noncurrent loans to loans | 0.8346% | 2,700 |
| Net loans and leases to total assets | 75.5658% | 1,485 |
| Net loans and leases to deposits | 84.8143% | 2,267 |
| Net loans and leases to core deposits | 106.0675% | 1,094 |
| Total domestic deposits to total assets | 89.0956% | 1,070 |
| Equity capital to assets | 9.4926% | 4,559 |
| Core capital (leverage) ratio | 8.2043% | 5,696 |
| Tier 1 risk-based capital ratio | 10.3966% | 5,821 |
| Total risk-based capital ratio | 11.3225% | 5,869 |
| Memoranda: | ||
| Average total assets | $150,925,400 | 3,556 |
| Average earning assets | $133,890,400 | 3,629 |
| Average equity | $14,779,000 | 3,867 |
| Average total loans | $115,338,200 | 3,116 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8193% | 906 |
| Cost of funding earning assets | 0.6508% | 1,087 |
| Net interest margin | 4.1684% | 1,237 |
| Noninterest income to average assets | 1.0777% | 1,038 |
| Noninterest expense to average assets | 3.7741% | 883 |
| Loan and lease loss provision to assets | 0.3719% | 347 |
| Net operating income to assets | 0.6296% | 4,242 |
| Return on assets (ROA) | 0.6287% | 4,353 |
| Pretax return on assets | 0.6287% | 4,900 |
| Return on Equity (ROE) | 6.3712% | 3,974 |
| Retained earnings to average equity (ytd only) | -0.2243% | 5,643 |
| Net charge-offs to loans | 0.3289% | 804 |
| Credit loss provision to net charge-offs | 147.8873% | 1,704 |
| Earnings coverage of net charge-offs (x) | 3.9824% | 3,424 |
| Efficiency ratio | 79.0284% | 1,799 |
| Assets per employee ($millions) | 2.8736% | 5,686 |
| Cash dividends to net income (ytd only)* | 103.5219% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 5,258 |
| Loan loss allowance to noncurrent loans | 166.9826% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.9389% | 2,514 |
| Noncurrent loans to loans | 0.5298% | 3,756 |
| Net loans and leases to total assets | 77.7523% | 1,141 |
| Net loans and leases to deposits | 88.9456% | 1,777 |
| Net loans and leases to core deposits | 112.7664% | 720 |
| Total domestic deposits to total assets | 87.4155% | 1,837 |
| Equity capital to assets | 9.7295% | 4,479 |
| Core capital (leverage) ratio | 8.3567% | 5,669 |
| Tier 1 risk-based capital ratio | 10.4856% | 5,886 |
| Total risk-based capital ratio | 11.3642% | 5,956 |
| Memoranda: | ||
| Average total assets | $150,566,750 | 3,590 |
| Average earning assets | $133,572,000 | 3,669 |
| Average equity | $14,858,000 | 3,896 |
| Average total loans | $115,115,750 | 3,145 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7422% | 995 |
| Cost of funding earning assets | 0.6465% | 1,127 |
| Net interest margin | 4.0956% | 1,364 |
| Noninterest income to average assets | 1.0894% | 1,014 |
| Noninterest expense to average assets | 3.8016% | 866 |
| Loan and lease loss provision to assets | 0.1200% | 1,844 |
| Net operating income to assets | 0.8001% | 3,387 |
| Return on assets (ROA) | 0.8001% | 3,478 |
| Pretax return on assets | 0.8001% | 4,309 |
| Return on Equity (ROE) | 8.0692% | 3,013 |
| Retained earnings to average equity (ytd only) | -1.8156% | 5,810 |
| Net charge-offs to loans | 0.4399% | 582 |
| Credit loss provision to net charge-offs | 36.0000% | 2,862 |
| Earnings coverage of net charge-offs (x) | 2.7600% | 3,290 |
| Efficiency ratio | 80.5140% | 1,691 |
| Assets per employee ($millions) | 3.2553% | 5,236 |
| Cash dividends to net income (ytd only)* | 122.5000% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6583% | 5,888 |
| Loan loss allowance to noncurrent loans | 176.1574% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 3,318 |
| Noncurrent loans to loans | 0.3737% | 4,370 |
| Net loans and leases to total assets | 73.4979% | 1,743 |
| Net loans and leases to deposits | 82.4008% | 2,506 |
| Net loans and leases to core deposits | 103.4342% | 1,228 |
| Total domestic deposits to total assets | 89.1957% | 1,052 |
| Equity capital to assets | 9.4066% | 4,771 |
| Core capital (leverage) ratio | 8.1417% | 5,838 |
| Tier 1 risk-based capital ratio | 10.2669% | 6,009 |
| Total risk-based capital ratio | 10.8917% | 6,148 |
| Memoranda: | ||
| Average total assets | $149,989,330 | 3,629 |
| Average earning assets | $133,019,330 | 3,708 |
| Average equity | $14,871,330 | 3,913 |
| Average total loans | $113,663,330 | 3,188 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8083% | 850 |
| Cost of funding earning assets | 0.6495% | 1,120 |
| Net interest margin | 4.1588% | 1,148 |
| Noninterest income to average assets | 1.0105% | 1,097 |
| Noninterest expense to average assets | 3.8105% | 866 |
| Loan and lease loss provision to assets | 0.1226% | 1,697 |
| Net operating income to assets | 0.7572% | 3,500 |
| Return on assets (ROA) | 0.7572% | 3,634 |
| Pretax return on assets | 0.7572% | 4,400 |
| Return on Equity (ROE) | 7.4341% | 3,254 |
| Retained earnings to average equity (ytd only) | 7.4341% | 1,794 |
| Net charge-offs to loans | 0.5928% | 415 |
| Credit loss provision to net charge-offs | 26.9461% | 2,299 |
| Earnings coverage of net charge-offs (x) | 1.9341% | 2,846 |
| Efficiency ratio | 81.2427% | 1,724 |
| Assets per employee ($millions) | 2.7894% | 5,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7050% | 5,900 |
| Loan loss allowance to noncurrent loans | 153.3589% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.7854% | 3,148 |
| Noncurrent loans to loans | 0.4597% | 4,204 |
| Net loans and leases to total assets | 74.7115% | 1,399 |
| Net loans and leases to deposits | 84.3996% | 2,019 |
| Net loans and leases to core deposits | 107.1242% | 868 |
| Total domestic deposits to total assets | 88.5212% | 1,538 |
| Equity capital to assets | 10.0341% | 4,113 |
| Core capital (leverage) ratio | 8.8268% | 5,167 |
| Tier 1 risk-based capital ratio | 9.8358% | 6,207 |
| Total risk-based capital ratio | 10.4442% | 6,289 |
| Memoranda: | ||
| Average total assets | $146,858,000 | 3,702 |
| Average earning assets | $129,942,500 | 3,782 |
| Average equity | $14,958,000 | 3,919 |
| Average total loans | $112,693,500 | 3,218 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2721% | 462 |
| Cost of funding earning assets | 0.7003% | 1,110 |
| Net interest margin | 4.5718% | 652 |
| Noninterest income to average assets | 1.0477% | 1,114 |
| Noninterest expense to average assets | 4.0139% | 744 |
| Loan and lease loss provision to assets | 0.1572% | 1,668 |
| Net operating income to assets | 0.8861% | 2,942 |
| Return on assets (ROA) | 0.8861% | 3,025 |
| Pretax return on assets | 0.8861% | 3,943 |
| Return on Equity (ROE) | 8.3113% | 2,960 |
| Retained earnings to average equity (ytd only) | 1.2549% | 5,216 |
| Net charge-offs to loans | 0.1618% | 2,415 |
| Credit loss provision to net charge-offs | 129.5181% | 1,841 |
| Earnings coverage of net charge-offs (x) | 8.5964% | 2,854 |
| Efficiency ratio | 79.3697% | 2,016 |
| Assets per employee ($millions) | 2.9810% | 5,724 |
| Cash dividends to net income (ytd only)* | 84.9010% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8219% | 5,718 |
| Loan loss allowance to noncurrent loans | 92.5628% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 0.9064% | 2,947 |
| Noncurrent loans to loans | 0.8880% | 3,096 |
| Net loans and leases to total assets | 77.6658% | 1,046 |
| Net loans and leases to deposits | 88.1860% | 1,716 |
| Net loans and leases to core deposits | 107.8480% | 901 |
| Total domestic deposits to total assets | 88.0704% | 1,731 |
| Equity capital to assets | 10.3445% | 3,670 |
| Core capital (leverage) ratio | 9.1358% | 4,769 |
| Tier 1 risk-based capital ratio | 10.8229% | 5,978 |
| Total risk-based capital ratio | 11.6115% | 6,106 |
| Memoranda: | ||
| Average total assets | $136,775,600 | 3,862 |
| Average earning assets | $119,952,800 | 3,967 |
| Average equity | $14,582,600 | 3,917 |
| Average total loans | $102,610,600 | 3,361 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2652% | 463 |
| Cost of funding earning assets | 0.7163% | 1,070 |
| Net interest margin | 4.5489% | 686 |
| Noninterest income to average assets | 1.0710% | 1,065 |
| Noninterest expense to average assets | 4.0759% | 703 |
| Loan and lease loss provision to assets | 0.1677% | 1,473 |
| Net operating income to assets | 0.8106% | 3,378 |
| Return on assets (ROA) | 0.8106% | 3,475 |
| Pretax return on assets | 0.8106% | 4,328 |
| Return on Equity (ROE) | 7.5440% | 3,426 |
| Retained earnings to average equity (ytd only) | -0.7709% | 5,927 |
| Net charge-offs to loans | 0.1756% | 2,047 |
| Credit loss provision to net charge-offs | 128.7879% | 1,791 |
| Earnings coverage of net charge-offs (x) | 7.5149% | 2,919 |
| Efficiency ratio | 80.6439% | 1,817 |
| Assets per employee ($millions) | 2.8549% | 5,906 |
| Cash dividends to net income (ytd only)* | 110.2193% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8551% | 5,732 |
| Loan loss allowance to noncurrent loans | 74.8971% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 0.9629% | 3,041 |
| Noncurrent loans to loans | 1.1417% | 2,775 |
| Net loans and leases to total assets | 75.4257% | 1,302 |
| Net loans and leases to deposits | 85.8206% | 1,924 |
| Net loans and leases to core deposits | 109.1555% | 787 |
| Total domestic deposits to total assets | 87.8876% | 1,821 |
| Equity capital to assets | 10.3975% | 3,681 |
| Core capital (leverage) ratio | 9.1072% | 4,925 |
| Tier 1 risk-based capital ratio | 11.3905% | 5,842 |
| Total risk-based capital ratio | 12.2282% | 5,950 |
| Memoranda: | ||
| Average total assets | $135,197,000 | 3,915 |
| Average earning assets | $118,384,000 | 4,028 |
| Average equity | $14,527,750 | 3,946 |
| Average total loans | $100,250,000 | 3,444 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2561% | 464 |
| Cost of funding earning assets | 0.7323% | 1,011 |
| Net interest margin | 4.5238% | 676 |
| Noninterest income to average assets | 1.0955% | 991 |
| Noninterest expense to average assets | 4.1068% | 672 |
| Loan and lease loss provision to assets | 0.1871% | 1,303 |
| Net operating income to assets | 0.7588% | 3,524 |
| Return on assets (ROA) | 0.7588% | 3,626 |
| Pretax return on assets | 0.7588% | 4,424 |
| Return on Equity (ROE) | 6.9825% | 3,630 |
| Retained earnings to average equity (ytd only) | -5.0682% | 6,241 |
| Net charge-offs to loans | 0.1894% | 1,893 |
| Credit loss provision to net charge-offs | 134.4086% | 1,571 |
| Earnings coverage of net charge-offs (x) | 6.7957% | 2,721 |
| Efficiency ratio | 81.2796% | 1,840 |
| Assets per employee ($millions) | 3.5416% | 4,770 |
| Cash dividends to net income (ytd only)* | 172.5838% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8878% | 5,755 |
| Loan loss allowance to noncurrent loans | 84.9624% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.5047% | 2,168 |
| Noncurrent loans to loans | 1.0449% | 3,140 |
| Net loans and leases to total assets | 74.9924% | 1,306 |
| Net loans and leases to deposits | 85.5346% | 1,865 |
| Net loans and leases to core deposits | 105.8991% | 902 |
| Total domestic deposits to total assets | 87.6749% | 2,103 |
| Equity capital to assets | 10.6049% | 3,305 |
| Core capital (leverage) ratio | 9.1454% | 4,823 |
| Tier 1 risk-based capital ratio | 11.2788% | 5,917 |
| Total risk-based capital ratio | 12.1223% | 6,050 |
| Memoranda: | ||
| Average total assets | $133,632,670 | 3,964 |
| Average earning assets | $116,892,330 | 4,086 |
| Average equity | $14,522,000 | 3,938 |
| Average total loans | $98,192,330 | 3,491 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3473% | 383 |
| Cost of funding earning assets | 0.7395% | 1,022 |
| Net interest margin | 4.6079% | 547 |
| Noninterest income to average assets | 1.0424% | 1,032 |
| Noninterest expense to average assets | 4.1694% | 629 |
| Loan and lease loss provision to assets | 0.2253% | 994 |
| Net operating income to assets | 0.6909% | 3,734 |
| Return on assets (ROA) | 0.6909% | 3,811 |
| Pretax return on assets | 0.6909% | 4,519 |
| Return on Equity (ROE) | 6.2811% | 3,864 |
| Retained earnings to average equity (ytd only) | 0.9558% | 5,217 |
| Net charge-offs to loans | 0.1245% | 1,973 |
| Credit loss provision to net charge-offs | 250.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 10.1667% | 1,884 |
| Efficiency ratio | 81.9846% | 1,927 |
| Assets per employee ($millions) | 2.8714% | 6,013 |
| Cash dividends to net income (ytd only)* | 84.7826% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 5,699 |
| Loan loss allowance to noncurrent loans | 84.3606% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 0.9759% | 3,309 |
| Noncurrent loans to loans | 1.1272% | 3,171 |
| Net loans and leases to total assets | 70.7737% | 1,759 |
| Net loans and leases to deposits | 80.9393% | 2,170 |
| Net loans and leases to core deposits | 99.1570% | 1,160 |
| Total domestic deposits to total assets | 87.4404% | 2,537 |
| Equity capital to assets | 10.8642% | 2,860 |
| Core capital (leverage) ratio | 9.4142% | 4,400 |
| Tier 1 risk-based capital ratio | 12.2709% | 5,460 |
| Total risk-based capital ratio | 13.1716% | 5,621 |
| Memoranda: | ||
| Average total assets | $133,159,500 | 4,008 |
| Average earning assets | $116,843,500 | 4,119 |
| Average equity | $14,647,000 | 3,922 |
| Average total loans | $96,374,500 | 3,547 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3149% | 509 |
| Cost of funding earning assets | 0.8181% | 1,101 |
| Net interest margin | 4.4969% | 744 |
| Noninterest income to average assets | 1.0916% | 1,179 |
| Noninterest expense to average assets | 3.9017% | 990 |
| Loan and lease loss provision to assets | 0.2259% | 1,613 |
| Net operating income to assets | 0.9249% | 2,664 |
| Return on assets (ROA) | 0.8834% | 2,949 |
| Pretax return on assets | 0.8834% | 3,832 |
| Return on Equity (ROE) | 7.9446% | 3,055 |
| Retained earnings to average equity (ytd only) | 0.8635% | 5,450 |
| Net charge-offs to loans | 0.2781% | 2,311 |
| Credit loss provision to net charge-offs | 110.9434% | 2,169 |
| Earnings coverage of net charge-offs (x) | 5.6528% | 3,249 |
| Efficiency ratio | 77.2237% | 2,587 |
| Assets per employee ($millions) | 2.8557% | 6,033 |
| Cash dividends to net income (ytd only)* | 89.1304% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 5,911 |
| Loan loss allowance to noncurrent loans | 83.9114% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.0444% | 3,332 |
| Noncurrent loans to loans | 1.0777% | 3,371 |
| Net loans and leases to total assets | 72.6595% | 1,566 |
| Net loans and leases to deposits | 83.4611% | 2,003 |
| Net loans and leases to core deposits | 102.5694% | 996 |
| Total domestic deposits to total assets | 87.0579% | 2,696 |
| Equity capital to assets | 11.1387% | 2,488 |
| Core capital (leverage) ratio | 9.7156% | 3,968 |
| Tier 1 risk-based capital ratio | 12.3515% | 5,394 |
| Total risk-based capital ratio | 13.2151% | 5,572 |
| Memoranda: | ||
| Average total assets | $130,173,200 | 4,069 |
| Average earning assets | $114,658,000 | 4,171 |
| Average equity | $14,475,200 | 3,972 |
| Average total loans | $95,304,800 | 3,571 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3178% | 514 |
| Cost of funding earning assets | 0.8381% | 1,108 |
| Net interest margin | 4.4798% | 758 |
| Noninterest income to average assets | 1.0800% | 1,256 |
| Noninterest expense to average assets | 3.7912% | 1,094 |
| Loan and lease loss provision to assets | 0.2310% | 1,569 |
| Net operating income to assets | 1.0143% | 2,319 |
| Return on assets (ROA) | 0.9588% | 2,648 |
| Pretax return on assets | 0.9588% | 3,652 |
| Return on Equity (ROE) | 8.6264% | 2,819 |
| Retained earnings to average equity (ytd only) | -0.8405% | 6,109 |
| Net charge-offs to loans | 0.2090% | 2,573 |
| Credit loss provision to net charge-offs | 151.0067% | 1,560 |
| Earnings coverage of net charge-offs (x) | 8.1410% | 2,673 |
| Efficiency ratio | 75.2752% | 2,850 |
| Assets per employee ($millions) | 3.3529% | 5,179 |
| Cash dividends to net income (ytd only)* | 109.7430% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 5,822 |
| Loan loss allowance to noncurrent loans | 85.0926% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.1891% | 3,277 |
| Noncurrent loans to loans | 1.1455% | 3,516 |
| Net loans and leases to total assets | 73.2794% | 1,403 |
| Net loans and leases to deposits | 84.4880% | 1,820 |
| Net loans and leases to core deposits | 101.5024% | 1,026 |
| Total domestic deposits to total assets | 86.7335% | 2,834 |
| Equity capital to assets | 11.3256% | 2,451 |
| Core capital (leverage) ratio | 9.5486% | 4,336 |
| Tier 1 risk-based capital ratio | 12.2348% | 5,615 |
| Total risk-based capital ratio | 13.1533% | 5,781 |
| Memoranda: | ||
| Average total assets | $129,876,000 | 4,119 |
| Average earning assets | $114,705,250 | 4,210 |
| Average equity | $14,436,000 | 4,032 |
| Average total loans | $95,051,500 | 3,600 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2518% | 580 |
| Cost of funding earning assets | 0.8451% | 1,168 |
| Net interest margin | 4.4067% | 835 |
| Noninterest income to average assets | 1.0895% | 1,290 |
| Noninterest expense to average assets | 3.6818% | 1,279 |
| Loan and lease loss provision to assets | 0.2295% | 1,632 |
| Net operating income to assets | 1.0804% | 1,996 |
| Return on assets (ROA) | 0.9977% | 2,477 |
| Pretax return on assets | 0.9977% | 3,520 |
| Return on Equity (ROE) | 9.0317% | 2,592 |
| Retained earnings to average equity (ytd only) | -5.1669% | 6,469 |
| Net charge-offs to loans | 0.0965% | 3,395 |
| Credit loss provision to net charge-offs | 326.0870% | 800 |
| Earnings coverage of net charge-offs (x) | 18.6087% | 1,546 |
| Efficiency ratio | 73.7584% | 3,175 |
| Assets per employee ($millions) | 2.9123% | 5,999 |
| Cash dividends to net income (ytd only)* | 157.2086% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 5,798 |
| Loan loss allowance to noncurrent loans | 138.0466% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.7134% | 4,441 |
| Noncurrent loans to loans | 0.7279% | 4,469 |
| Net loans and leases to total assets | 71.1867% | 1,692 |
| Net loans and leases to deposits | 82.1827% | 2,038 |
| Net loans and leases to core deposits | 95.3780% | 1,413 |
| Total domestic deposits to total assets | 86.6200% | 3,042 |
| Equity capital to assets | 10.7864% | 2,958 |
| Core capital (leverage) ratio | 9.2320% | 4,650 |
| Tier 1 risk-based capital ratio | 11.9709% | 5,806 |
| Total risk-based capital ratio | 12.9188% | 5,965 |
| Memoranda: | ||
| Average total assets | $130,697,670 | 4,124 |
| Average earning assets | $115,731,670 | 4,209 |
| Average equity | $14,438,000 | 4,061 |
| Average total loans | $95,307,000 | 3,602 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2751% | 534 |
| Cost of funding earning assets | 0.8504% | 1,254 |
| Net interest margin | 4.4247% | 771 |
| Noninterest income to average assets | 1.0880% | 1,244 |
| Noninterest expense to average assets | 3.6316% | 1,366 |
| Loan and lease loss provision to assets | 0.2299% | 1,590 |
| Net operating income to assets | 1.1493% | 1,680 |
| Return on assets (ROA) | 0.9838% | 2,423 |
| Pretax return on assets | 0.9838% | 3,429 |
| Return on Equity (ROE) | 8.8012% | 2,576 |
| Retained earnings to average equity (ytd only) | 3.8659% | 3,919 |
| Net charge-offs to loans | 0.0334% | 3,564 |
| Credit loss provision to net charge-offs | 937.5000% | 331 |
| Earnings coverage of net charge-offs (x) | 56.2500% | 621 |
| Efficiency ratio | 72.1713% | 3,580 |
| Assets per employee ($millions) | 3.1047% | 5,814 |
| Cash dividends to net income (ytd only)* | 56.0748% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 6,149 |
| Loan loss allowance to noncurrent loans | 153.5473% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.6299% | 4,805 |
| Noncurrent loans to loans | 0.6154% | 4,907 |
| Net loans and leases to total assets | 71.3709% | 1,459 |
| Net loans and leases to deposits | 82.5283% | 1,761 |
| Net loans and leases to core deposits | 95.2487% | 1,250 |
| Total domestic deposits to total assets | 86.4806% | 3,250 |
| Equity capital to assets | 10.9854% | 2,972 |
| Core capital (leverage) ratio | 9.6920% | 3,803 |
| Tier 1 risk-based capital ratio | 12.2349% | 5,766 |
| Total risk-based capital ratio | 13.1266% | 5,955 |
| Memoranda: | ||
| Average total assets | $130,519,500 | 4,172 |
| Average earning assets | $115,713,500 | 4,249 |
| Average equity | $14,589,000 | 4,075 |
| Average total loans | $95,840,500 | 3,616 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5560% | 560 |
| Cost of funding earning assets | 0.9775% | 1,482 |
| Net interest margin | 4.5785% | 814 |
| Noninterest income to average assets | 1.2243% | 1,038 |
| Noninterest expense to average assets | 3.8817% | 1,117 |
| Loan and lease loss provision to assets | 0.2944% | 2,321 |
| Net operating income to assets | 1.0904% | 1,972 |
| Return on assets (ROA) | 1.0904% | 2,160 |
| Pretax return on assets | 1.0904% | 3,193 |
| Return on Equity (ROE) | 9.9617% | 2,187 |
| Retained earnings to average equity (ytd only) | 4.9809% | 2,720 |
| Net charge-offs to loans | 0.1306% | 4,367 |
| Credit loss provision to net charge-offs | 304.8387% | 795 |
| Earnings coverage of net charge-offs (x) | 14.3387% | 1,742 |
| Efficiency ratio | 73.6764% | 3,118 |
| Assets per employee ($millions) | 3.0365% | 5,957 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8828% | 6,304 |
| Loan loss allowance to noncurrent loans | 145.0947% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.6508% | 4,845 |
| Noncurrent loans to loans | 0.6084% | 4,994 |
| Net loans and leases to total assets | 74.2118% | 1,166 |
| Net loans and leases to deposits | 86.4592% | 1,452 |
| Net loans and leases to core deposits | 98.2600% | 1,130 |
| Total domestic deposits to total assets | 85.8345% | 3,436 |
| Equity capital to assets | 11.3788% | 2,557 |
| Core capital (leverage) ratio | 9.7006% | 3,804 |
| Tier 1 risk-based capital ratio | 11.9826% | 5,801 |
| Total risk-based capital ratio | 12.8017% | 6,026 |
| Memoranda: | ||
| Average total assets | $128,395,800 | 4,178 |
| Average earning assets | $113,354,800 | 4,266 |
| Average equity | $14,053,800 | 4,147 |
| Average total loans | $94,930,000 | 3,643 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6130% | 547 |
| Cost of funding earning assets | 0.9958% | 1,585 |
| Net interest margin | 4.6172% | 789 |
| Noninterest income to average assets | 1.2150% | 1,011 |
| Noninterest expense to average assets | 4.0234% | 909 |
| Loan and lease loss provision to assets | 0.2903% | 2,259 |
| Net operating income to assets | 0.9776% | 2,620 |
| Return on assets (ROA) | 0.9776% | 2,845 |
| Pretax return on assets | 0.9776% | 3,796 |
| Return on Equity (ROE) | 9.0199% | 2,792 |
| Retained earnings to average equity (ytd only) | 3.2808% | 4,564 |
| Net charge-offs to loans | 0.0788% | 4,610 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 21.8407% | 1,378 |
| Efficiency ratio | 76.0188% | 2,675 |
| Assets per employee ($millions) | 3.1834% | 5,669 |
| Cash dividends to net income (ytd only)* | 63.6268% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 6,502 |
| Loan loss allowance to noncurrent loans | 129.6651% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.6750% | 4,996 |
| Noncurrent loans to loans | 0.6569% | 5,133 |
| Net loans and leases to total assets | 72.5088% | 1,465 |
| Net loans and leases to deposits | 84.3813% | 1,823 |
| Net loans and leases to core deposits | 95.5978% | 1,443 |
| Total domestic deposits to total assets | 85.9299% | 3,294 |
| Equity capital to assets | 10.8506% | 3,440 |
| Core capital (leverage) ratio | 9.2048% | 4,757 |
| Tier 1 risk-based capital ratio | 11.7067% | 6,108 |
| Total risk-based capital ratio | 12.5015% | 6,349 |
| Memoranda: | ||
| Average total assets | $128,611,000 | 4,220 |
| Average earning assets | $113,542,500 | 4,300 |
| Average equity | $13,939,250 | 4,207 |
| Average total loans | $94,790,250 | 3,685 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6866% | 496 |
| Cost of funding earning assets | 1.0176% | 1,665 |
| Net interest margin | 4.6689% | 716 |
| Noninterest income to average assets | 1.3221% | 811 |
| Noninterest expense to average assets | 4.1102% | 824 |
| Loan and lease loss provision to assets | 0.3438% | 1,914 |
| Net operating income to assets | 0.9768% | 2,563 |
| Return on assets (ROA) | 0.9768% | 2,800 |
| Pretax return on assets | 0.9768% | 3,798 |
| Return on Equity (ROE) | 9.0155% | 2,807 |
| Retained earnings to average equity (ytd only) | 0.3606% | 5,924 |
| Net charge-offs to loans | 0.0444% | 4,758 |
| Credit loss provision to net charge-offs | 1,047.6190% | 313 |
| Earnings coverage of net charge-offs (x) | 40.2381% | 872 |
| Efficiency ratio | 75.6547% | 2,799 |
| Assets per employee ($millions) | 2.9457% | 6,159 |
| Cash dividends to net income (ytd only)* | 96.0000% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8254% | 6,623 |
| Loan loss allowance to noncurrent loans | 168.7366% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.5890% | 5,295 |
| Noncurrent loans to loans | 0.4892% | 5,552 |
| Net loans and leases to total assets | 74.7503% | 1,136 |
| Net loans and leases to deposits | 87.1800% | 1,454 |
| Net loans and leases to core deposits | 98.7309% | 1,198 |
| Total domestic deposits to total assets | 85.7425% | 3,490 |
| Equity capital to assets | 10.9266% | 3,200 |
| Core capital (leverage) ratio | 9.0235% | 4,878 |
| Tier 1 risk-based capital ratio | 11.4338% | 6,259 |
| Total risk-based capital ratio | 12.2067% | 6,499 |
| Memoranda: | ||
| Average total assets | $127,975,330 | 4,254 |
| Average earning assets | $112,616,330 | 4,343 |
| Average equity | $13,865,000 | 4,222 |
| Average total loans | $94,570,330 | 3,702 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6505% | 571 |
| Cost of funding earning assets | 1.0312% | 1,801 |
| Net interest margin | 4.6193% | 797 |
| Noninterest income to average assets | 1.4957% | 643 |
| Noninterest expense to average assets | 4.0985% | 829 |
| Loan and lease loss provision to assets | 0.4975% | 1,223 |
| Net operating income to assets | 0.9671% | 2,605 |
| Return on assets (ROA) | 0.9671% | 2,807 |
| Pretax return on assets | 0.9671% | 3,806 |
| Return on Equity (ROE) | 8.9642% | 2,853 |
| Retained earnings to average equity (ytd only) | 3.1994% | 4,648 |
| Net charge-offs to loans | 0.0255% | 4,329 |
| Credit loss provision to net charge-offs | 2,666.6667% | 115 |
| Earnings coverage of net charge-offs (x) | 78.5000% | 424 |
| Efficiency ratio | 73.6724% | 3,145 |
| Assets per employee ($millions) | 3.0909% | 5,979 |
| Cash dividends to net income (ytd only)* | 64.3087% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7990% | 6,745 |
| Loan loss allowance to noncurrent loans | 93.4591% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.8273% | 4,880 |
| Noncurrent loans to loans | 0.8549% | 4,961 |
| Net loans and leases to total assets | 71.0603% | 1,561 |
| Net loans and leases to deposits | 82.6152% | 1,845 |
| Net loans and leases to core deposits | 91.8092% | 1,671 |
| Total domestic deposits to total assets | 86.0135% | 3,523 |
| Equity capital to assets | 10.7458% | 3,216 |
| Core capital (leverage) ratio | 9.0097% | 4,828 |
| Tier 1 risk-based capital ratio | 11.6981% | 6,156 |
| Total risk-based capital ratio | 12.4382% | 6,438 |
| Memoranda: | ||
| Average total assets | $128,631,500 | 4,265 |
| Average earning assets | $113,265,000 | 4,350 |
| Average equity | $13,877,500 | 4,224 |
| Average total loans | $94,121,000 | 3,734 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8205% | 616 |
| Cost of funding earning assets | 1.2794% | 1,580 |
| Net interest margin | 4.5411% | 1,039 |
| Noninterest income to average assets | 1.2435% | 841 |
| Noninterest expense to average assets | 4.0781% | 933 |
| Loan and lease loss provision to assets | 0.4908% | 2,155 |
| Net operating income to assets | 0.6588% | 3,698 |
| Return on assets (ROA) | 0.6588% | 3,883 |
| Pretax return on assets | 0.6588% | 4,479 |
| Return on Equity (ROE) | 5.6623% | 4,047 |
| Retained earnings to average equity (ytd only) | -4.2467% | 6,391 |
| Net charge-offs to loans | 0.5499% | 2,815 |
| Credit loss provision to net charge-offs | 122.6337% | 2,578 |
| Earnings coverage of net charge-offs (x) | 2.8724% | 3,773 |
| Efficiency ratio | 77.8670% | 2,606 |
| Assets per employee ($millions) | 3.0344% | 6,017 |
| Cash dividends to net income (ytd only)* | 175.0000% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6184% | 6,996 |
| Loan loss allowance to noncurrent loans | 122.9645% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.6693% | 5,315 |
| Noncurrent loans to loans | 0.5029% | 5,704 |
| Net loans and leases to total assets | 74.2760% | 1,220 |
| Net loans and leases to deposits | 86.5425% | 1,603 |
| Net loans and leases to core deposits | 97.8246% | 1,342 |
| Total domestic deposits to total assets | 85.8260% | 3,417 |
| Equity capital to assets | 10.8321% | 3,159 |
| Core capital (leverage) ratio | 9.3188% | 4,298 |
| Tier 1 risk-based capital ratio | 11.5437% | 6,137 |
| Total risk-based capital ratio | 12.1282% | 6,497 |
| Memoranda: | ||
| Average total assets | $121,428,600 | 4,359 |
| Average earning assets | $106,538,000 | 4,491 |
| Average equity | $14,128,600 | 4,083 |
| Average total loans | $88,379,000 | 3,898 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8490% | 625 |
| Cost of funding earning assets | 1.3433% | 1,488 |
| Net interest margin | 4.5057% | 1,134 |
| Noninterest income to average assets | 1.2774% | 793 |
| Noninterest expense to average assets | 4.0247% | 982 |
| Loan and lease loss provision to assets | 0.1957% | 4,064 |
| Net operating income to assets | 1.0062% | 2,296 |
| Return on assets (ROA) | 1.0062% | 2,450 |
| Pretax return on assets | 1.0062% | 3,374 |
| Return on Equity (ROE) | 8.4918% | 2,820 |
| Retained earnings to average equity (ytd only) | -2.7680% | 6,393 |
| Net charge-offs to loans | 0.1554% | 4,526 |
| Credit loss provision to net charge-offs | 174.2574% | 1,710 |
| Earnings coverage of net charge-offs (x) | 10.7033% | 1,884 |
| Efficiency ratio | 76.8134% | 2,701 |
| Assets per employee ($millions) | 2.8405% | 6,421 |
| Cash dividends to net income (ytd only)* | 132.5963% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6212% | 7,058 |
| Loan loss allowance to noncurrent loans | 115.1767% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.7369% | 5,314 |
| Noncurrent loans to loans | 0.5394% | 5,787 |
| Net loans and leases to total assets | 72.5618% | 1,592 |
| Net loans and leases to deposits | 85.5135% | 1,752 |
| Net loans and leases to core deposits | 96.0924% | 1,601 |
| Total domestic deposits to total assets | 84.8543% | 3,843 |
| Equity capital to assets | 11.5646% | 2,628 |
| Core capital (leverage) ratio | 9.8081% | 3,696 |
| Tier 1 risk-based capital ratio | 12.4640% | 5,520 |
| Total risk-based capital ratio | 13.0424% | 6,033 |
| Memoranda: | ||
| Average total assets | $119,924,500 | 4,428 |
| Average earning assets | $105,109,750 | 4,548 |
| Average equity | $14,209,500 | 4,088 |
| Average total loans | $86,661,250 | 3,985 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8920% | 591 |
| Cost of funding earning assets | 1.3800% | 1,499 |
| Net interest margin | 4.5120% | 1,107 |
| Noninterest income to average assets | 1.3206% | 724 |
| Noninterest expense to average assets | 4.0156% | 1,028 |
| Loan and lease loss provision to assets | 0.1561% | 4,360 |
| Net operating income to assets | 1.0991% | 1,874 |
| Return on assets (ROA) | 1.0991% | 1,961 |
| Pretax return on assets | 1.0991% | 2,856 |
| Return on Equity (ROE) | 9.2009% | 2,435 |
| Retained earnings to average equity (ytd only) | -4.8463% | 6,549 |
| Net charge-offs to loans | 0.2121% | 3,869 |
| Credit loss provision to net charge-offs | 102.1978% | 3,026 |
| Earnings coverage of net charge-offs (x) | 8.2198% | 2,095 |
| Efficiency ratio | 75.8994% | 3,030 |
| Assets per employee ($millions) | 2.8616% | 6,362 |
| Cash dividends to net income (ytd only)* | 152.6718% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5583% | 7,190 |
| Loan loss allowance to noncurrent loans | 149.3789% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.7846% | 5,326 |
| Noncurrent loans to loans | 0.3738% | 6,156 |
| Net loans and leases to total assets | 71.2794% | 1,941 |
| Net loans and leases to deposits | 85.5400% | 1,855 |
| Net loans and leases to core deposits | 99.7021% | 1,367 |
| Total domestic deposits to total assets | 83.3288% | 4,617 |
| Equity capital to assets | 11.7465% | 2,288 |
| Core capital (leverage) ratio | 9.7727% | 3,563 |
| Tier 1 risk-based capital ratio | 12.9633% | 4,940 |
| Total risk-based capital ratio | 13.4879% | 5,560 |
| Memoranda: | ||
| Average total assets | $119,186,000 | 4,483 |
| Average earning assets | $104,344,670 | 4,598 |
| Average equity | $14,237,670 | 4,077 |
| Average total loans | $85,821,330 | 4,050 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9183% | 575 |
| Cost of funding earning assets | 1.3785% | 1,723 |
| Net interest margin | 4.5398% | 982 |
| Noninterest income to average assets | 1.4459% | 607 |
| Noninterest expense to average assets | 4.1589% | 856 |
| Loan and lease loss provision to assets | 0.1517% | 4,128 |
| Net operating income to assets | 1.1088% | 1,811 |
| Return on assets (ROA) | 1.1088% | 1,865 |
| Pretax return on assets | 1.1088% | 2,727 |
| Return on Equity (ROE) | 9.2044% | 2,383 |
| Retained earnings to average equity (ytd only) | -7.5817% | 6,720 |
| Net charge-offs to loans | 0.0374% | 4,586 |
| Credit loss provision to net charge-offs | 562.5000% | 660 |
| Earnings coverage of net charge-offs (x) | 46.7500% | 605 |
| Efficiency ratio | 76.1816% | 3,131 |
| Assets per employee ($millions) | 2.9723% | 6,193 |
| Cash dividends to net income (ytd only)* | 182.3708% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6053% | 7,197 |
| Loan loss allowance to noncurrent loans | 938.1818% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.5802% | 5,810 |
| Noncurrent loans to loans | 0.0645% | 6,883 |
| Net loans and leases to total assets | 69.5346% | 2,215 |
| Net loans and leases to deposits | 83.2518% | 2,147 |
| Net loans and leases to core deposits | 92.7628% | 2,038 |
| Total domestic deposits to total assets | 83.5233% | 4,692 |
| Equity capital to assets | 11.6188% | 2,185 |
| Core capital (leverage) ratio | 9.9824% | 3,161 |
| Tier 1 risk-based capital ratio | 13.1889% | 4,676 |
| Total risk-based capital ratio | 13.7579% | 5,237 |
| Memoranda: | ||
| Average total assets | $118,684,500 | 4,523 |
| Average earning assets | $103,880,500 | 4,638 |
| Average equity | $14,297,500 | 4,048 |
| Average total loans | $85,656,500 | 4,085 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2401% | 524 |
| Cost of funding earning assets | 1.5119% | 2,564 |
| Net interest margin | 4.7282% | 769 |
| Noninterest income to average assets | 1.3930% | 746 |
| Noninterest expense to average assets | 4.1578% | 952 |
| Loan and lease loss provision to assets | 0.0502% | 6,654 |
| Net operating income to assets | 1.3349% | 1,096 |
| Return on assets (ROA) | 1.3349% | 1,166 |
| Pretax return on assets | 1.3349% | 1,844 |
| Return on Equity (ROE) | 10.8062% | 1,643 |
| Retained earnings to average equity (ytd only) | 6.3541% | 1,636 |
| Net charge-offs to loans | 0.6147% | 3,194 |
| Credit loss provision to net charge-offs | 10.8365% | 6,609 |
| Earnings coverage of net charge-offs (x) | 2.9924% | 3,575 |
| Efficiency ratio | 73.2338% | 3,548 |
| Assets per employee ($millions) | 2.8877% | 6,357 |
| Cash dividends to net income (ytd only)* | 41.1997% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5566% | 7,314 |
| Loan loss allowance to noncurrent loans | 614.1026% | 545 |
| Noncurrent assets plus other real estate owned to assets | 1.0112% | 4,979 |
| Noncurrent loans to loans | 0.0906% | 6,906 |
| Net loans and leases to total assets | 74.0923% | 1,645 |
| Net loans and leases to deposits | 90.0047% | 1,519 |
| Net loans and leases to core deposits | 102.5807% | 1,409 |
| Total domestic deposits to total assets | 82.3204% | 5,083 |
| Equity capital to assets | 12.4981% | 1,636 |
| Core capital (leverage) ratio | 10.7108% | 2,376 |
| Tier 1 risk-based capital ratio | 13.4909% | 4,214 |
| Total risk-based capital ratio | 14.0196% | 4,767 |
| Memoranda: | ||
| Average total assets | $113,640,600 | 4,624 |
| Average earning assets | $99,741,800 | 4,733 |
| Average equity | $14,038,200 | 4,137 |
| Average total loans | $85,574,800 | 4,164 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2205% | 591 |
| Cost of funding earning assets | 1.5457% | 2,697 |
| Net interest margin | 4.6747% | 896 |
| Noninterest income to average assets | 1.4467% | 646 |
| Noninterest expense to average assets | 4.0373% | 1,008 |
| Loan and lease loss provision to assets | 0.1850% | 5,191 |
| Net operating income to assets | 1.3324% | 1,275 |
| Return on assets (ROA) | 1.3324% | 1,351 |
| Pretax return on assets | 1.3324% | 2,084 |
| Return on Equity (ROE) | 10.8185% | 1,846 |
| Retained earnings to average equity (ytd only) | 6.0358% | 2,335 |
| Net charge-offs to loans | 0.2746% | 4,303 |
| Credit loss provision to net charge-offs | 89.2045% | 4,801 |
| Earnings coverage of net charge-offs (x) | 7.3182% | 2,354 |
| Efficiency ratio | 70.9014% | 3,898 |
| Assets per employee ($millions) | 2.7537% | 6,680 |
| Cash dividends to net income (ytd only)* | 44.2087% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 6,117 |
| Loan loss allowance to noncurrent loans | 61.4418% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.7325% | 3,844 |
| Noncurrent loans to loans | 1.7249% | 4,058 |
| Net loans and leases to total assets | 76.8171% | 1,257 |
| Net loans and leases to deposits | 93.7407% | 1,233 |
| Net loans and leases to core deposits | 104.3545% | 1,451 |
| Total domestic deposits to total assets | 81.9463% | 5,017 |
| Equity capital to assets | 12.5808% | 1,823 |
| Core capital (leverage) ratio | 10.6303% | 2,565 |
| Tier 1 risk-based capital ratio | 13.2690% | 4,375 |
| Total risk-based capital ratio | 14.3019% | 4,518 |
| Memoranda: | ||
| Average total assets | $113,174,250 | 4,692 |
| Average earning assets | $99,454,250 | 4,803 |
| Average equity | $13,938,750 | 4,217 |
| Average total loans | $85,453,500 | 4,245 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1596% | 673 |
| Cost of funding earning assets | 1.5630% | 2,882 |
| Net interest margin | 4.5966% | 1,008 |
| Noninterest income to average assets | 1.5362% | 545 |
| Noninterest expense to average assets | 4.0171% | 1,022 |
| Loan and lease loss provision to assets | 0.2207% | 4,687 |
| Net operating income to assets | 1.3385% | 1,220 |
| Return on assets (ROA) | 1.3385% | 1,293 |
| Pretax return on assets | 1.3385% | 1,979 |
| Return on Equity (ROE) | 10.9456% | 1,772 |
| Retained earnings to average equity (ytd only) | 6.6136% | 2,012 |
| Net charge-offs to loans | -0.0071% | 7,154 |
| Credit loss provision to net charge-offs | -4,166.6667% | 7,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2660% | 4,138 |
| Assets per employee ($millions) | 2.8220% | 6,525 |
| Cash dividends to net income (ytd only)* | 39.5778% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 5,236 |
| Loan loss allowance to noncurrent loans | 75.9887% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.6487% | 3,958 |
| Noncurrent loans to loans | 1.6320% | 4,261 |
| Net loans and leases to total assets | 75.9123% | 1,507 |
| Net loans and leases to deposits | 92.5947% | 1,443 |
| Net loans and leases to core deposits | 104.4020% | 1,601 |
| Total domestic deposits to total assets | 81.9834% | 4,994 |
| Equity capital to assets | 12.4044% | 1,863 |
| Core capital (leverage) ratio | 10.5285% | 2,605 |
| Tier 1 risk-based capital ratio | 13.1786% | 4,298 |
| Total risk-based capital ratio | 14.3805% | 4,297 |
| Memoranda: | ||
| Average total assets | $113,265,000 | 4,723 |
| Average earning assets | $99,552,330 | 4,822 |
| Average equity | $13,850,330 | 4,232 |
| Average total loans | $84,719,000 | 4,300 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0445% | 897 |
| Cost of funding earning assets | 1.5833% | 3,054 |
| Net interest margin | 4.4612% | 1,231 |
| Noninterest income to average assets | 1.7804% | 406 |
| Noninterest expense to average assets | 3.9662% | 1,082 |
| Loan and lease loss provision to assets | 0.2186% | 4,313 |
| Net operating income to assets | 1.5195% | 868 |
| Return on assets (ROA) | 1.5195% | 929 |
| Pretax return on assets | 1.5195% | 1,471 |
| Return on Equity (ROE) | 12.5159% | 1,369 |
| Retained earnings to average equity (ytd only) | 12.5159% | 679 |
| Net charge-offs to loans | 0.1290% | 4,193 |
| Credit loss provision to net charge-offs | 229.6296% | 1,660 |
| Earnings coverage of net charge-offs (x) | 18.2593% | 1,241 |
| Efficiency ratio | 67.7998% | 4,760 |
| Assets per employee ($millions) | 2.8170% | 6,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 5,675 |
| Loan loss allowance to noncurrent loans | 75.9660% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.5433% | 4,183 |
| Noncurrent loans to loans | 1.5363% | 4,445 |
| Net loans and leases to total assets | 73.8789% | 2,000 |
| Net loans and leases to deposits | 90.3777% | 1,848 |
| Net loans and leases to core deposits | 100.0685% | 2,121 |
| Total domestic deposits to total assets | 81.7446% | 5,176 |
| Equity capital to assets | 12.4087% | 1,804 |
| Core capital (leverage) ratio | 10.2600% | 2,858 |
| Tier 1 risk-based capital ratio | 13.3756% | 4,067 |
| Total risk-based capital ratio | 14.5016% | 4,110 |
| Memoranda: | ||
| Average total assets | $113,458,000 | 4,782 |
| Average earning assets | $99,794,000 | 4,881 |
| Average equity | $13,774,500 | 4,295 |
| Average total loans | $83,696,000 | 4,393 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2900% | 1,048 |
| Cost of funding earning assets | 1.8164% | 3,906 |
| Net interest margin | 4.4736% | 1,228 |
| Noninterest income to average assets | 1.2234% | 1,017 |
| Noninterest expense to average assets | 3.9154% | 1,489 |
| Loan and lease loss provision to assets | 1.0383% | 2,206 |
| Net operating income to assets | 0.2106% | 4,869 |
| Return on assets (ROA) | 0.2106% | 4,930 |
| Pretax return on assets | 0.2106% | 4,981 |
| Return on Equity (ROE) | 1.7650% | 4,995 |
| Retained earnings to average equity (ytd only) | 1.0042% | 4,330 |
| Net charge-offs to loans | 1.4344% | 1,749 |
| Credit loss provision to net charge-offs | 97.9452% | 5,688 |
| Earnings coverage of net charge-offs (x) | 1.1781% | 4,948 |
| Efficiency ratio | 73.8489% | 3,928 |
| Assets per employee ($millions) | 3.0875% | 6,015 |
| Cash dividends to net income (ytd only)* | 43.1034% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 5,689 |
| Loan loss allowance to noncurrent loans | 201.2739% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 1.2789% | 4,530 |
| Noncurrent loans to loans | 0.5664% | 6,111 |
| Net loans and leases to total assets | 71.9688% | 2,757 |
| Net loans and leases to deposits | 87.4628% | 2,650 |
| Net loans and leases to core deposits | 104.4066% | 3,524 |
| Total domestic deposits to total assets | 82.2851% | 4,824 |
| Equity capital to assets | 11.8762% | 2,094 |
| Core capital (leverage) ratio | 9.9342% | 3,155 |
| Tier 1 risk-based capital ratio | 12.8264% | 4,266 |
| Total risk-based capital ratio | 13.9102% | 4,331 |
| Memoranda: | ||
| Average total assets | $110,180,600 | 4,815 |
| Average earning assets | $97,058,400 | 4,921 |
| Average equity | $13,144,400 | 4,479 |
| Average total loans | $81,427,000 | 4,462 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3064% | 1,124 |
| Cost of funding earning assets | 1.8662% | 4,069 |
| Net interest margin | 4.4403% | 1,340 |
| Noninterest income to average assets | 1.2678% | 960 |
| Noninterest expense to average assets | 3.8595% | 1,493 |
| Loan and lease loss provision to assets | 0.9136% | 2,104 |
| Net operating income to assets | 0.4092% | 4,363 |
| Return on assets (ROA) | 0.4092% | 4,466 |
| Pretax return on assets | 0.4092% | 4,780 |
| Return on Equity (ROE) | 3.4256% | 4,606 |
| Retained earnings to average equity (ytd only) | 2.4031% | 3,977 |
| Net charge-offs to loans | 1.3285% | 1,541 |
| Credit loss provision to net charge-offs | 92.6890% | 5,409 |
| Earnings coverage of net charge-offs (x) | 1.3420% | 4,779 |
| Efficiency ratio | 72.5430% | 4,143 |
| Assets per employee ($millions) | 2.7113% | 6,824 |
| Cash dividends to net income (ytd only)* | 29.8504% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 5,474 |
| Loan loss allowance to noncurrent loans | 78.2348% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 2.0996% | 3,215 |
| Noncurrent loans to loans | 1.4584% | 4,490 |
| Net loans and leases to total assets | 72.9442% | 2,811 |
| Net loans and leases to deposits | 90.0100% | 2,581 |
| Net loans and leases to core deposits | 109.1913% | 3,328 |
| Total domestic deposits to total assets | 81.0401% | 5,067 |
| Equity capital to assets | 12.6455% | 1,861 |
| Core capital (leverage) ratio | 10.3717% | 2,905 |
| Tier 1 risk-based capital ratio | 13.7072% | 3,706 |
| Total risk-based capital ratio | 14.8155% | 3,741 |
| Memoranda: | ||
| Average total assets | $109,166,500 | 4,878 |
| Average earning assets | $96,238,250 | 4,975 |
| Average equity | $13,038,750 | 4,525 |
| Average total loans | $80,993,000 | 4,521 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1055% | 1,775 |
| Cost of funding earning assets | 1.9144% | 4,192 |
| Net interest margin | 4.1911% | 2,031 |
| Noninterest income to average assets | 1.2303% | 1,021 |
| Noninterest expense to average assets | 3.7238% | 1,788 |
| Loan and lease loss provision to assets | 1.1389% | 1,507 |
| Net operating income to assets | 0.0695% | 5,650 |
| Return on assets (ROA) | 0.0695% | 5,743 |
| Pretax return on assets | 0.0695% | 5,739 |
| Return on Equity (ROE) | 0.5931% | 5,758 |
| Retained earnings to average equity (ytd only) | -0.9677% | 5,473 |
| Net charge-offs to loans | 1.8594% | 1,010 |
| Credit loss provision to net charge-offs | 82.4074% | 5,130 |
| Earnings coverage of net charge-offs (x) | 0.8743% | 4,877 |
| Efficiency ratio | 73.6101% | 4,095 |
| Assets per employee ($millions) | 2.9696% | 6,211 |
| Cash dividends to net income (ytd only)* | 263.1579% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 5,845 |
| Loan loss allowance to noncurrent loans | 53.7821% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 2.4309% | 2,654 |
| Noncurrent loans to loans | 1.9684% | 3,565 |
| Net loans and leases to total assets | 71.3650% | 3,390 |
| Net loans and leases to deposits | 88.4603% | 3,095 |
| Net loans and leases to core deposits | 107.3930% | 3,675 |
| Total domestic deposits to total assets | 80.6746% | 5,204 |
| Equity capital to assets | 12.1874% | 2,102 |
| Core capital (leverage) ratio | 9.8742% | 3,428 |
| Tier 1 risk-based capital ratio | 13.4594% | 3,834 |
| Total risk-based capital ratio | 14.4895% | 3,889 |
| Memoranda: | ||
| Average total assets | $109,405,330 | 4,901 |
| Average earning assets | $96,634,330 | 4,986 |
| Average equity | $12,813,670 | 4,591 |
| Average total loans | $81,317,000 | 4,548 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0383% | 2,205 |
| Cost of funding earning assets | 1.9357% | 4,461 |
| Net interest margin | 4.1026% | 2,256 |
| Noninterest income to average assets | 1.2018% | 999 |
| Noninterest expense to average assets | 3.5431% | 1,995 |
| Loan and lease loss provision to assets | 0.4030% | 2,910 |
| Net operating income to assets | 0.8977% | 2,711 |
| Return on assets (ROA) | 0.8977% | 2,863 |
| Pretax return on assets | 0.8977% | 3,724 |
| Return on Equity (ROE) | 7.8244% | 3,232 |
| Retained earnings to average equity (ytd only) | 4.6307% | 3,343 |
| Net charge-offs to loans | 0.4420% | 2,342 |
| Credit loss provision to net charge-offs | 120.8791% | 3,259 |
| Earnings coverage of net charge-offs (x) | 3.9011% | 3,033 |
| Efficiency ratio | 71.6339% | 4,245 |
| Assets per employee ($millions) | 2.7936% | 6,661 |
| Cash dividends to net income (ytd only)* | 40.8163% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 4,704 |
| Loan loss allowance to noncurrent loans | 46.5695% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 2.4297% | 2,360 |
| Noncurrent loans to loans | 2.6068% | 2,529 |
| Net loans and leases to total assets | 72.1676% | 3,208 |
| Net loans and leases to deposits | 89.3076% | 3,047 |
| Net loans and leases to core deposits | 108.0832% | 3,664 |
| Total domestic deposits to total assets | 80.8079% | 5,039 |
| Equity capital to assets | 12.1617% | 2,162 |
| Core capital (leverage) ratio | 10.0476% | 3,352 |
| Tier 1 risk-based capital ratio | 13.3575% | 3,954 |
| Total risk-based capital ratio | 14.5460% | 3,915 |
| Memoranda: | ||
| Average total assets | $109,170,000 | 4,925 |
| Average earning assets | $96,914,500 | 5,006 |
| Average equity | $12,525,000 | 4,700 |
| Average total loans | $82,349,500 | 4,548 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0406% | 1,026 |
| Cost of funding earning assets | 2.5572% | 3,914 |
| Net interest margin | 4.4834% | 1,469 |
| Noninterest income to average assets | 1.7252% | 457 |
| Noninterest expense to average assets | 3.9005% | 1,561 |
| Loan and lease loss provision to assets | 1.7425% | 734 |
| Net operating income to assets | 0.0510% | 6,228 |
| Return on assets (ROA) | 0.0501% | 6,089 |
| Pretax return on assets | 0.0501% | 6,046 |
| Return on Equity (ROE) | 0.4341% | 6,100 |
| Retained earnings to average equity (ytd only) | -10.8764% | 7,152 |
| Net charge-offs to loans | 2.3236% | 443 |
| Credit loss provision to net charge-offs | 97.0066% | 5,482 |
| Earnings coverage of net charge-offs (x) | 0.9985% | 5,627 |
| Efficiency ratio | 66.6293% | 4,995 |
| Assets per employee ($millions) | 2.8810% | 6,365 |
| Cash dividends to net income (ytd only)* | 2,605.4545% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 4,775 |
| Loan loss allowance to noncurrent loans | 38.7714% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 2.3584% | 2,058 |
| Noncurrent loans to loans | 3.0181% | 1,777 |
| Net loans and leases to total assets | 77.0132% | 2,374 |
| Net loans and leases to deposits | 93.8710% | 2,789 |
| Net loans and leases to core deposits | 113.3646% | 3,409 |
| Total domestic deposits to total assets | 82.0415% | 4,186 |
| Equity capital to assets | 10.7509% | 3,248 |
| Core capital (leverage) ratio | 8.1986% | 6,167 |
| Tier 1 risk-based capital ratio | 10.8881% | 5,824 |
| Total risk-based capital ratio | 12.0675% | 5,800 |
| Memoranda: | ||
| Average total assets | $109,728,200 | 4,796 |
| Average earning assets | $97,137,000 | 4,889 |
| Average equity | $12,669,600 | 4,655 |
| Average total loans | $84,826,800 | 4,370 |