Home > Citizens Bank & Trust Company > Performance and Condition Ratios
Citizens Bank & Trust Company, 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 | 4.0136% | 3,949 |
| Cost of funding earning assets | 1.0313% | 3,225 |
| Net interest margin | 2.9823% | 3,327 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.0032% | 3,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8343% | 2,762 |
| Return on assets (ROA) | 0.8343% | 2,742 |
| Pretax return on assets | 1.0594% | 2,511 |
| Return on Equity (ROE) | 9.8700% | 2,534 |
| Retained earnings to average equity (ytd only) | 4.2952% | 2,866 |
| Net charge-offs to loans | -0.0301% | 4,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.4074% | 2,429 |
| Assets per employee ($millions) | 5.6704% | 3,098 |
| Cash dividends to net income (ytd only)* | 56.4745% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4748% | 199 |
| Loan loss allowance to noncurrent loans | 1,992.8571% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 3,202 |
| Noncurrent loans to loans | 0.1242% | 2,896 |
| Net loans and leases to total assets | 44.7400% | 3,873 |
| Net loans and leases to deposits | 55.8289% | 3,719 |
| Net loans and leases to core deposits | 57.6155% | 3,850 |
| Total domestic deposits to total assets | 80.1500% | 3,436 |
| Equity capital to assets | 9.0239% | 2,659 |
| Core capital (leverage) ratio | 9.4381% | 3,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7267% | 819 |
| Memoranda: | ||
| Average total assets | $143,472,000 | 3,429 |
| Average earning assets | $133,521,000 | 3,410 |
| Average equity | $12,129,800 | 3,516 |
| Average total loans | $66,392,000 | 3,601 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8614% | 4,051 |
| Cost of funding earning assets | 0.9478% | 3,162 |
| Net interest margin | 2.9136% | 3,516 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.9305% | 3,756 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8852% | 2,733 |
| Return on assets (ROA) | 0.8852% | 2,720 |
| Pretax return on assets | 1.0584% | 2,689 |
| Return on Equity (ROE) | 10.6600% | 2,463 |
| Retained earnings to average equity (ytd only) | 3.0414% | 3,494 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.5899% | 2,431 |
| Assets per employee ($millions) | 5.4353% | 3,236 |
| Cash dividends to net income (ytd only)* | 71.4588% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3055% | 255 |
| Loan loss allowance to noncurrent loans | 689.1667% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 2,453 |
| Noncurrent loans to loans | 0.3345% | 2,032 |
| Net loans and leases to total assets | 49.6000% | 3,643 |
| Net loans and leases to deposits | 59.1254% | 3,549 |
| Net loans and leases to core deposits | 64.3863% | 3,509 |
| Total domestic deposits to total assets | 83.8800% | 2,807 |
| Equity capital to assets | 8.5268% | 2,713 |
| Core capital (leverage) ratio | 9.4656% | 3,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2184% | 1,066 |
| Memoranda: | ||
| Average total assets | $142,482,250 | 3,441 |
| Average earning assets | $132,935,000 | 3,424 |
| Average equity | $11,836,250 | 3,537 |
| Average total loans | $66,079,500 | 3,616 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6897% | 4,148 |
| Cost of funding earning assets | 0.8228% | 3,148 |
| Net interest margin | 2.8669% | 3,704 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.9080% | 3,805 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9043% | 2,741 |
| Return on assets (ROA) | 0.9043% | 2,728 |
| Pretax return on assets | 1.0303% | 2,829 |
| Return on Equity (ROE) | 10.9800% | 2,425 |
| Retained earnings to average equity (ytd only) | -0.5100% | 4,162 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.9357% | 2,385 |
| Assets per employee ($millions) | 5.5010% | 3,153 |
| Cash dividends to net income (ytd only)* | 104.6440% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4597% | 232 |
| Loan loss allowance to noncurrent loans | 822.8856% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 2,566 |
| Noncurrent loans to loans | 0.2989% | 2,061 |
| Net loans and leases to total assets | 45.8600% | 3,800 |
| Net loans and leases to deposits | 54.4067% | 3,727 |
| Net loans and leases to core deposits | 56.0435% | 3,814 |
| Total domestic deposits to total assets | 84.2900% | 2,753 |
| Equity capital to assets | 8.3580% | 2,985 |
| Core capital (leverage) ratio | 9.1708% | 3,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8374% | 981 |
| Memoranda: | ||
| Average total assets | $142,870,000 | 3,448 |
| Average earning assets | $133,453,000 | 3,433 |
| Average equity | $11,765,000 | 3,557 |
| Average total loans | $64,191,667 | 3,650 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4257% | 4,350 |
| Cost of funding earning assets | 0.6283% | 3,298 |
| Net interest margin | 2.7974% | 3,947 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.9329% | 3,782 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7059% | 3,451 |
| Return on assets (ROA) | 0.7059% | 3,406 |
| Pretax return on assets | 0.9384% | 3,154 |
| Return on Equity (ROE) | 8.6400% | 3,149 |
| Retained earnings to average equity (ytd only) | -14.5324% | 4,543 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.3171% | 2,060 |
| Assets per employee ($millions) | 5.5242% | 3,196 |
| Cash dividends to net income (ytd only)* | 268.2540% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6139% | 204 |
| Loan loss allowance to noncurrent loans | 407.3892% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 1,738 |
| Noncurrent loans to loans | 0.6416% | 1,173 |
| Net loans and leases to total assets | 42.9000% | 3,916 |
| Net loans and leases to deposits | 50.7336% | 3,857 |
| Net loans and leases to core deposits | 51.9058% | 3,919 |
| Total domestic deposits to total assets | 84.5700% | 2,958 |
| Equity capital to assets | 8.1501% | 3,140 |
| Core capital (leverage) ratio | 9.3052% | 3,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6749% | 1,044 |
| Memoranda: | ||
| Average total assets | $142,792,500 | 3,498 |
| Average earning assets | $133,696,500 | 3,471 |
| Average equity | $11,670,500 | 3,600 |
| Average total loans | $62,665,500 | 3,721 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2733% | 3,655 |
| Cost of funding earning assets | 0.1564% | 4,091 |
| Net interest margin | 3.1170% | 3,121 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.0653% | 3,400 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 0.8878% | 3,014 |
| Return on assets (ROA) | 0.8867% | 2,962 |
| Pretax return on assets | 1.1837% | 2,492 |
| Return on Equity (ROE) | 10.1600% | 2,759 |
| Retained earnings to average equity (ytd only) | 4.2104% | 3,325 |
| Net charge-offs to loans | -0.2241% | 4,637 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.4395% | 2,300 |
| Assets per employee ($millions) | 5.4598% | 3,261 |
| Cash dividends to net income (ytd only)* | 58.5586% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6654% | 180 |
| Loan loss allowance to noncurrent loans | 463.3053% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 1,896 |
| Noncurrent loans to loans | 0.5753% | 1,290 |
| Net loans and leases to total assets | 42.5500% | 3,953 |
| Net loans and leases to deposits | 46.5777% | 4,028 |
| Net loans and leases to core deposits | 47.4392% | 4,076 |
| Total domestic deposits to total assets | 91.3500% | 825 |
| Equity capital to assets | 8.1963% | 2,937 |
| Core capital (leverage) ratio | 9.3882% | 3,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9378% | 838 |
| Memoranda: | ||
| Average total assets | $137,707,200 | 3,556 |
| Average earning assets | $128,554,800 | 3,542 |
| Average equity | $12,018,000 | 3,666 |
| Average total loans | $60,681,600 | 3,714 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1902% | 3,460 |
| Cost of funding earning assets | 0.1045% | 4,248 |
| Net interest margin | 3.0857% | 2,971 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.9515% | 3,624 |
| Loan and lease loss provision to assets | -0.1300% | 4,615 |
| Net operating income to assets | 1.0525% | 2,277 |
| Return on assets (ROA) | 1.0509% | 2,250 |
| Pretax return on assets | 1.3007% | 2,043 |
| Return on Equity (ROE) | 11.8500% | 2,082 |
| Retained earnings to average equity (ytd only) | 3.9844% | 3,449 |
| Net charge-offs to loans | -0.2828% | 4,681 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.4025% | 2,779 |
| Assets per employee ($millions) | 5.2842% | 3,433 |
| Cash dividends to net income (ytd only)* | 66.3881% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5925% | 214 |
| Loan loss allowance to noncurrent loans | 374.9431% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3195% | 1,662 |
| Noncurrent loans to loans | 0.6914% | 1,181 |
| Net loans and leases to total assets | 45.0200% | 3,816 |
| Net loans and leases to deposits | 49.0444% | 3,912 |
| Net loans and leases to core deposits | 51.8034% | 3,864 |
| Total domestic deposits to total assets | 91.7800% | 945 |
| Equity capital to assets | 7.9562% | 2,922 |
| Core capital (leverage) ratio | 9.4298% | 3,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9720% | 990 |
| Memoranda: | ||
| Average total assets | $136,645,250 | 3,586 |
| Average earning assets | $127,595,750 | 3,577 |
| Average equity | $12,113,750 | 3,701 |
| Average total loans | $60,338,250 | 3,735 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0742% | 3,365 |
| Cost of funding earning assets | 0.0815% | 4,364 |
| Net interest margin | 2.9927% | 2,902 |
| Noninterest income to average assets | 0.2449% | 3,702 |
| Noninterest expense to average assets | 2.0015% | 3,426 |
| Loan and lease loss provision to assets | -0.1906% | 4,672 |
| Net operating income to assets | 0.9995% | 2,157 |
| Return on assets (ROA) | 0.9971% | 2,139 |
| Pretax return on assets | 1.2317% | 1,955 |
| Return on Equity (ROE) | 10.8730% | 2,023 |
| Retained earnings to average equity (ytd only) | -0.5596% | 4,248 |
| Net charge-offs to loans | -0.4318% | 4,681 |
| Credit loss provision to net charge-offs | 101.5625% | 1,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7198% | 2,552 |
| Assets per employee ($millions) | 5.8148% | 2,907 |
| Cash dividends to net income (ytd only)* | 105.1471% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5673% | 232 |
| Loan loss allowance to noncurrent loans | 650.5929% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 2,449 |
| Noncurrent loans to loans | 0.3946% | 1,946 |
| Net loans and leases to total assets | 44.7616% | 3,775 |
| Net loans and leases to deposits | 50.7940% | 3,765 |
| Net loans and leases to core deposits | 51.2302% | 3,863 |
| Total domestic deposits to total assets | 88.1237% | 2,521 |
| Equity capital to assets | 8.2878% | 2,919 |
| Core capital (leverage) ratio | 9.2466% | 3,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4109% | 934 |
| Memoranda: | ||
| Average total assets | $136,397,333 | 3,634 |
| Average earning assets | $127,644,667 | 3,626 |
| Average equity | $12,508,000 | 3,733 |
| Average total loans | $59,287,000 | 3,793 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9675% | 3,348 |
| Cost of funding earning assets | 0.0887% | 4,266 |
| Net interest margin | 2.8789% | 2,900 |
| Noninterest income to average assets | 0.2433% | 3,686 |
| Noninterest expense to average assets | 2.1095% | 3,108 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6349% | 3,274 |
| Return on assets (ROA) | 0.6349% | 3,257 |
| Pretax return on assets | 0.8307% | 3,012 |
| Return on Equity (ROE) | 6.5953% | 3,157 |
| Retained earnings to average equity (ytd only) | -15.4403% | 4,647 |
| Net charge-offs to loans | -0.9143% | 4,737 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7457% | 2,011 |
| Assets per employee ($millions) | 5.8500% | 2,945 |
| Cash dividends to net income (ytd only)* | 334.1121% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1281% | 142 |
| Loan loss allowance to noncurrent loans | 719.8381% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 2,524 |
| Noncurrent loans to loans | 0.4346% | 1,943 |
| Net loans and leases to total assets | 40.9220% | 3,953 |
| Net loans and leases to deposits | 45.0305% | 4,021 |
| Net loans and leases to core deposits | 45.1720% | 4,114 |
| Total domestic deposits to total assets | 90.8763% | 1,097 |
| Equity capital to assets | 8.8309% | 2,857 |
| Core capital (leverage) ratio | 9.0017% | 3,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0166% | 754 |
| Memoranda: | ||
| Average total assets | $134,818,500 | 3,666 |
| Average earning assets | $126,300,000 | 3,653 |
| Average equity | $12,979,000 | 3,757 |
| Average total loans | $56,874,000 | 3,849 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6840% | 2,166 |
| Cost of funding earning assets | 0.1334% | 4,127 |
| Net interest margin | 3.5507% | 1,600 |
| Noninterest income to average assets | 0.2408% | 3,938 |
| Noninterest expense to average assets | 2.2747% | 2,864 |
| Loan and lease loss provision to assets | 0.0228% | 2,608 |
| Net operating income to assets | 0.9885% | 2,719 |
| Return on assets (ROA) | 0.9885% | 2,786 |
| Pretax return on assets | 1.2604% | 2,482 |
| Return on Equity (ROE) | 9.2581% | 2,800 |
| Retained earnings to average equity (ytd only) | 4.3124% | 3,083 |
| Net charge-offs to loans | -0.0341% | 4,169 |
| Credit loss provision to net charge-offs | -142.8571% | 3,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9334% | 2,577 |
| Assets per employee ($millions) | 5.1956% | 3,559 |
| Cash dividends to net income (ytd only)* | 53.4204% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8923% | 166 |
| Loan loss allowance to noncurrent loans | 635.5212% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 2,602 |
| Noncurrent loans to loans | 0.4551% | 1,994 |
| Net loans and leases to total assets | 40.9095% | 4,038 |
| Net loans and leases to deposits | 45.9377% | 4,097 |
| Net loans and leases to core deposits | 46.2483% | 4,175 |
| Total domestic deposits to total assets | 89.0544% | 1,488 |
| Equity capital to assets | 10.4200% | 2,243 |
| Core capital (leverage) ratio | 9.1191% | 3,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0008% | 650 |
| Memoranda: | ||
| Average total assets | $131,620,200 | 3,661 |
| Average earning assets | $122,962,600 | 3,652 |
| Average equity | $14,052,600 | 3,740 |
| Average total loans | $61,553,600 | 3,788 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9094% | 1,734 |
| Cost of funding earning assets | 0.1420% | 4,178 |
| Net interest margin | 3.7674% | 1,192 |
| Noninterest income to average assets | 0.2396% | 3,967 |
| Noninterest expense to average assets | 2.0802% | 3,417 |
| Loan and lease loss provision to assets | 0.0306% | 2,381 |
| Net operating income to assets | 1.3389% | 1,720 |
| Return on assets (ROA) | 1.3389% | 1,772 |
| Pretax return on assets | 1.6448% | 1,569 |
| Return on Equity (ROE) | 12.4628% | 1,879 |
| Retained earnings to average equity (ytd only) | 5.8660% | 2,887 |
| Net charge-offs to loans | -0.0446% | 4,297 |
| Credit loss provision to net charge-offs | -142.8571% | 3,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3896% | 3,611 |
| Assets per employee ($millions) | 4.9984% | 3,698 |
| Cash dividends to net income (ytd only)* | 52.9322% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7902% | 196 |
| Loan loss allowance to noncurrent loans | 661.0442% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 2,880 |
| Noncurrent loans to loans | 0.4221% | 2,301 |
| Net loans and leases to total assets | 42.4925% | 4,062 |
| Net loans and leases to deposits | 47.7375% | 4,134 |
| Net loans and leases to core deposits | 48.0587% | 4,235 |
| Total domestic deposits to total assets | 89.0129% | 1,267 |
| Equity capital to assets | 10.6366% | 2,331 |
| Core capital (leverage) ratio | 9.6526% | 2,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8171% | 711 |
| Memoranda: | ||
| Average total assets | $130,753,750 | 3,703 |
| Average earning assets | $122,027,500 | 3,697 |
| Average equity | $14,046,750 | 3,786 |
| Average total loans | $62,714,750 | 3,827 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1056% | 1,336 |
| Cost of funding earning assets | 0.1529% | 4,184 |
| Net interest margin | 3.9527% | 885 |
| Noninterest income to average assets | 0.2412% | 3,956 |
| Noninterest expense to average assets | 2.0657% | 3,503 |
| Loan and lease loss provision to assets | 0.0464% | 2,093 |
| Net operating income to assets | 1.3591% | 1,679 |
| Return on assets (ROA) | 1.3591% | 1,760 |
| Pretax return on assets | 1.8059% | 1,218 |
| Return on Equity (ROE) | 12.6076% | 1,848 |
| Retained earnings to average equity (ytd only) | 2.6391% | 3,960 |
| Net charge-offs to loans | -0.0688% | 4,499 |
| Credit loss provision to net charge-offs | -136.3636% | 3,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7230% | 3,961 |
| Assets per employee ($millions) | 4.9555% | 3,695 |
| Cash dividends to net income (ytd only)* | 79.0671% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5469% | 263 |
| Loan loss allowance to noncurrent loans | 357.2668% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.3578% | 2,168 |
| Noncurrent loans to loans | 0.7129% | 1,657 |
| Net loans and leases to total assets | 48.9118% | 3,652 |
| Net loans and leases to deposits | 55.0856% | 3,785 |
| Net loans and leases to core deposits | 55.6194% | 3,918 |
| Total domestic deposits to total assets | 88.7925% | 1,391 |
| Equity capital to assets | 10.8078% | 2,143 |
| Core capital (leverage) ratio | 9.3796% | 3,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,352,333 | 3,732 |
| Average earning assets | $120,322,333 | 3,727 |
| Average equity | $13,944,000 | 3,797 |
| Average total loans | $63,955,333 | 3,831 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8523% | 1,951 |
| Cost of funding earning assets | 0.1622% | 4,224 |
| Net interest margin | 3.6901% | 1,355 |
| Noninterest income to average assets | 0.2376% | 3,970 |
| Noninterest expense to average assets | 2.1665% | 3,214 |
| Loan and lease loss provision to assets | 0.0926% | 1,443 |
| Net operating income to assets | 1.0709% | 2,571 |
| Return on assets (ROA) | 1.0709% | 2,651 |
| Pretax return on assets | 1.4197% | 2,226 |
| Return on Equity (ROE) | 9.9473% | 2,702 |
| Retained earnings to average equity (ytd only) | -9.9760% | 4,816 |
| Net charge-offs to loans | -0.1195% | 4,684 |
| Credit loss provision to net charge-offs | -157.8947% | 2,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8926% | 3,170 |
| Assets per employee ($millions) | 4.9395% | 3,724 |
| Cash dividends to net income (ytd only)* | 200.2882% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6158% | 223 |
| Loan loss allowance to noncurrent loans | 357.3913% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 2,369 |
| Noncurrent loans to loans | 0.7319% | 1,771 |
| Net loans and leases to total assets | 47.6566% | 3,847 |
| Net loans and leases to deposits | 53.4243% | 3,980 |
| Net loans and leases to core deposits | 54.3586% | 4,080 |
| Total domestic deposits to total assets | 89.2040% | 1,236 |
| Equity capital to assets | 10.4947% | 2,278 |
| Core capital (leverage) ratio | 9.0201% | 3,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6772% | 1,128 |
| Memoranda: | ||
| Average total assets | $129,607,500 | 3,743 |
| Average earning assets | $120,863,000 | 3,730 |
| Average equity | $13,953,500 | 3,798 |
| Average total loans | $63,600,000 | 3,856 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1929% | 2,158 |
| Cost of funding earning assets | 0.2997% | 4,145 |
| Net interest margin | 3.8932% | 1,232 |
| Noninterest income to average assets | 0.2105% | 4,224 |
| Noninterest expense to average assets | 2.3659% | 3,223 |
| Loan and lease loss provision to assets | 0.0573% | 3,648 |
| Net operating income to assets | 1.0523% | 2,096 |
| Return on assets (ROA) | 1.0646% | 2,188 |
| Pretax return on assets | 1.4520% | 1,502 |
| Return on Equity (ROE) | 9.4067% | 2,238 |
| Retained earnings to average equity (ytd only) | 1.4834% | 4,041 |
| Net charge-offs to loans | 0.0074% | 3,073 |
| Credit loss provision to net charge-offs | 1,400.0000% | 601 |
| Earnings coverage of net charge-offs (x) | 364.8000% | 297 |
| Efficiency ratio | 61.2985% | 3,263 |
| Assets per employee ($millions) | 5.4495% | 2,896 |
| Cash dividends to net income (ytd only)* | 84.2308% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4786% | 273 |
| Loan loss allowance to noncurrent loans | 337.9237% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 2,541 |
| Noncurrent loans to loans | 0.7335% | 1,871 |
| Net loans and leases to total assets | 47.9838% | 3,976 |
| Net loans and leases to deposits | 54.3271% | 4,096 |
| Net loans and leases to core deposits | 55.4077% | 4,185 |
| Total domestic deposits to total assets | 88.3239% | 1,314 |
| Equity capital to assets | 11.0324% | 2,225 |
| Core capital (leverage) ratio | 8.9962% | 3,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5023% | 974 |
| Memoranda: | ||
| Average total assets | $122,107,800 | 3,720 |
| Average earning assets | $114,456,000 | 3,702 |
| Average equity | $13,820,000 | 3,785 |
| Average total loans | $67,928,400 | 3,774 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3743% | 1,914 |
| Cost of funding earning assets | 0.3316% | 4,144 |
| Net interest margin | 4.0427% | 1,027 |
| Noninterest income to average assets | 0.2045% | 4,246 |
| Noninterest expense to average assets | 2.1477% | 3,825 |
| Loan and lease loss provision to assets | 0.0334% | 3,923 |
| Net operating income to assets | 1.3962% | 1,110 |
| Return on assets (ROA) | 1.4129% | 1,162 |
| Pretax return on assets | 1.8398% | 728 |
| Return on Equity (ROE) | 12.3987% | 1,275 |
| Retained earnings to average equity (ytd only) | 1.7169% | 4,024 |
| Net charge-offs to loans | 0.0136% | 2,630 |
| Credit loss provision to net charge-offs | 428.5714% | 1,408 |
| Earnings coverage of net charge-offs (x) | 238.0000% | 435 |
| Efficiency ratio | 53.6965% | 4,183 |
| Assets per employee ($millions) | 5.2230% | 2,991 |
| Cash dividends to net income (ytd only)* | 86.1526% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2472% | 320 |
| Loan loss allowance to noncurrent loans | 225.7267% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.5489% | 2,068 |
| Noncurrent loans to loans | 0.9956% | 1,505 |
| Net loans and leases to total assets | 53.8914% | 3,813 |
| Net loans and leases to deposits | 61.0194% | 3,990 |
| Net loans and leases to core deposits | 64.8417% | 3,962 |
| Total domestic deposits to total assets | 88.3185% | 1,052 |
| Equity capital to assets | 11.2603% | 2,183 |
| Core capital (leverage) ratio | 9.6659% | 3,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5134% | 1,128 |
| Memoranda: | ||
| Average total assets | $119,937,750 | 3,737 |
| Average earning assets | $112,594,000 | 3,719 |
| Average equity | $13,667,750 | 3,795 |
| Average total loans | $68,822,500 | 3,774 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 2,271 |
| Cost of funding earning assets | 0.3711% | 4,168 |
| Net interest margin | 4.0031% | 1,310 |
| Noninterest income to average assets | 0.1879% | 4,335 |
| Noninterest expense to average assets | 2.1501% | 3,930 |
| Loan and lease loss provision to assets | 0.0508% | 3,671 |
| Net operating income to assets | 1.3612% | 1,205 |
| Return on assets (ROA) | 1.3866% | 1,237 |
| Pretax return on assets | 1.7810% | 842 |
| Return on Equity (ROE) | 12.1166% | 1,304 |
| Retained earnings to average equity (ytd only) | -2.9293% | 4,648 |
| Net charge-offs to loans | 0.0437% | 1,874 |
| Credit loss provision to net charge-offs | 200.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 70.8667% | 877 |
| Efficiency ratio | 54.4363% | 4,125 |
| Assets per employee ($millions) | 5.3499% | 2,775 |
| Cash dividends to net income (ytd only)* | 124.1758% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1898% | 342 |
| Loan loss allowance to noncurrent loans | 168.0435% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.7477% | 1,652 |
| Noncurrent loans to loans | 1.3031% | 1,186 |
| Net loans and leases to total assets | 56.1204% | 3,673 |
| Net loans and leases to deposits | 63.5012% | 3,922 |
| Net loans and leases to core deposits | 67.5473% | 3,884 |
| Total domestic deposits to total assets | 88.3769% | 1,003 |
| Equity capital to assets | 11.0729% | 2,274 |
| Core capital (leverage) ratio | 9.7986% | 3,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,133,000 | 3,748 |
| Average earning assets | $111,014,667 | 3,725 |
| Average equity | $13,518,667 | 3,820 |
| Average total loans | $68,727,667 | 3,781 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6818% | 1,766 |
| Cost of funding earning assets | 0.4122% | 4,320 |
| Net interest margin | 4.2696% | 809 |
| Noninterest income to average assets | 0.1556% | 4,597 |
| Noninterest expense to average assets | 2.1093% | 4,202 |
| Loan and lease loss provision to assets | 0.1037% | 2,384 |
| Net operating income to assets | 1.4765% | 827 |
| Return on assets (ROA) | 1.4765% | 902 |
| Pretax return on assets | 1.9537% | 504 |
| Return on Equity (ROE) | 12.6843% | 940 |
| Retained earnings to average equity (ytd only) | -15.2092% | 4,902 |
| Net charge-offs to loans | -0.0177% | 4,295 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6224% | 4,628 |
| Assets per employee ($millions) | 4.7586% | 2,920 |
| Cash dividends to net income (ytd only)* | 219.9063% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3102% | 323 |
| Loan loss allowance to noncurrent loans | 169.1558% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.8091% | 1,674 |
| Noncurrent loans to loans | 1.3657% | 1,177 |
| Net loans and leases to total assets | 57.8717% | 3,680 |
| Net loans and leases to deposits | 65.8572% | 3,871 |
| Net loans and leases to core deposits | 70.4196% | 3,854 |
| Total domestic deposits to total assets | 87.8745% | 1,159 |
| Equity capital to assets | 11.6185% | 2,347 |
| Core capital (leverage) ratio | 9.8498% | 3,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4006% | 1,254 |
| Memoranda: | ||
| Average total assets | $115,675,500 | 3,767 |
| Average earning assets | $108,675,000 | 3,734 |
| Average equity | $13,465,500 | 3,837 |
| Average total loans | $67,791,000 | 3,807 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 2,921 |
| Cost of funding earning assets | 0.4509% | 4,266 |
| Net interest margin | 4.0552% | 1,669 |
| Noninterest income to average assets | 0.2835% | 3,991 |
| Noninterest expense to average assets | 2.5459% | 3,330 |
| Loan and lease loss provision to assets | 0.1575% | 1,335 |
| Net operating income to assets | 1.0028% | 2,836 |
| Return on assets (ROA) | 1.0035% | 2,921 |
| Pretax return on assets | 1.3736% | 2,253 |
| Return on Equity (ROE) | 8.5639% | 2,920 |
| Retained earnings to average equity (ytd only) | 1.9786% | 4,012 |
| Net charge-offs to loans | -0.1234% | 4,985 |
| Credit loss provision to net charge-offs | -216.8675% | 4,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4598% | 3,300 |
| Assets per employee ($millions) | 5.0933% | 2,463 |
| Cash dividends to net income (ytd only)* | 76.8963% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2525% | 309 |
| Loan loss allowance to noncurrent loans | 83.1974% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.6228% | 594 |
| Noncurrent loans to loans | 2.7074% | 382 |
| Net loans and leases to total assets | 56.6785% | 3,871 |
| Net loans and leases to deposits | 64.6498% | 4,028 |
| Net loans and leases to core deposits | 69.0108% | 4,019 |
| Total domestic deposits to total assets | 87.6700% | 1,290 |
| Equity capital to assets | 11.6625% | 2,376 |
| Core capital (leverage) ratio | 10.1836% | 3,318 |
| Tier 1 risk-based capital ratio | 16.6650% | 2,163 |
| Total risk-based capital ratio | 17.9265% | 2,096 |
| Memoranda: | ||
| Average total assets | $114,299,200 | 3,771 |
| Average earning assets | $106,900,000 | 3,763 |
| Average equity | $13,393,400 | 3,842 |
| Average total loans | $67,268,000 | 3,830 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5181% | 3,001 |
| Cost of funding earning assets | 0.4615% | 4,297 |
| Net interest margin | 4.0566% | 1,741 |
| Noninterest income to average assets | 0.2817% | 4,059 |
| Noninterest expense to average assets | 2.1821% | 4,216 |
| Loan and lease loss provision to assets | 0.1409% | 1,370 |
| Net operating income to assets | 1.3595% | 1,614 |
| Return on assets (ROA) | 1.3604% | 1,678 |
| Pretax return on assets | 1.7466% | 1,208 |
| Return on Equity (ROE) | 11.5958% | 1,761 |
| Retained earnings to average equity (ytd only) | 3.5518% | 3,626 |
| Net charge-offs to loans | -0.1649% | 5,085 |
| Credit loss provision to net charge-offs | -144.5783% | 4,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6353% | 4,433 |
| Assets per employee ($millions) | 4.2952% | 3,489 |
| Cash dividends to net income (ytd only)* | 69.3702% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1163% | 387 |
| Loan loss allowance to noncurrent loans | 87.7088% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.5008% | 735 |
| Noncurrent loans to loans | 2.4128% | 496 |
| Net loans and leases to total assets | 60.8833% | 3,608 |
| Net loans and leases to deposits | 69.8242% | 3,777 |
| Net loans and leases to core deposits | 77.2531% | 3,611 |
| Total domestic deposits to total assets | 87.1951% | 1,430 |
| Equity capital to assets | 12.2936% | 2,046 |
| Core capital (leverage) ratio | 10.7567% | 2,883 |
| Tier 1 risk-based capital ratio | 16.7694% | 2,159 |
| Total risk-based capital ratio | 18.0290% | 2,104 |
| Memoranda: | ||
| Average total assets | $113,587,750 | 3,825 |
| Average earning assets | $106,030,750 | 3,820 |
| Average equity | $13,326,250 | 3,880 |
| Average total loans | $67,103,500 | 3,875 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5243% | 2,938 |
| Cost of funding earning assets | 0.4526% | 4,314 |
| Net interest margin | 4.0717% | 1,698 |
| Noninterest income to average assets | 0.2784% | 4,072 |
| Noninterest expense to average assets | 2.1992% | 4,225 |
| Loan and lease loss provision to assets | 0.1051% | 1,779 |
| Net operating income to assets | 1.3980% | 1,448 |
| Return on assets (ROA) | 1.4007% | 1,492 |
| Pretax return on assets | 1.7737% | 1,098 |
| Return on Equity (ROE) | 12.1286% | 1,528 |
| Retained earnings to average equity (ytd only) | 1.6525% | 4,225 |
| Net charge-offs to loans | -0.2382% | 5,151 |
| Credit loss provision to net charge-offs | -75.9494% | 3,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9751% | 4,474 |
| Assets per employee ($millions) | 4.4378% | 3,237 |
| Cash dividends to net income (ytd only)* | 86.3750% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0124% | 469 |
| Loan loss allowance to noncurrent loans | 84.4031% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.5701% | 697 |
| Noncurrent loans to loans | 2.3843% | 524 |
| Net loans and leases to total assets | 61.7504% | 3,575 |
| Net loans and leases to deposits | 70.6293% | 3,791 |
| Net loans and leases to core deposits | 78.8602% | 3,513 |
| Total domestic deposits to total assets | 87.4289% | 1,374 |
| Equity capital to assets | 12.1357% | 2,091 |
| Core capital (leverage) ratio | 10.4676% | 3,127 |
| Tier 1 risk-based capital ratio | 16.1305% | 2,356 |
| Total risk-based capital ratio | 17.3892% | 2,296 |
| Memoranda: | ||
| Average total assets | $114,225,000 | 3,841 |
| Average earning assets | $106,490,670 | 3,832 |
| Average equity | $13,192,000 | 3,907 |
| Average total loans | $66,317,330 | 3,919 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2910% | 3,592 |
| Cost of funding earning assets | 0.4410% | 4,329 |
| Net interest margin | 3.8500% | 2,345 |
| Noninterest income to average assets | 0.2555% | 4,179 |
| Noninterest expense to average assets | 2.2509% | 4,148 |
| Loan and lease loss provision to assets | 0.1036% | 1,705 |
| Net operating income to assets | 1.1116% | 2,427 |
| Return on assets (ROA) | 1.1116% | 2,473 |
| Pretax return on assets | 1.4879% | 1,812 |
| Return on Equity (ROE) | 9.8652% | 2,425 |
| Retained earnings to average equity (ytd only) | -8.9154% | 5,065 |
| Net charge-offs to loans | -0.0124% | 4,313 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6819% | 4,120 |
| Assets per employee ($millions) | 4.3730% | 3,373 |
| Cash dividends to net income (ytd only)* | 190.3727% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0007% | 501 |
| Loan loss allowance to noncurrent loans | 65.2261% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.7502% | 614 |
| Noncurrent loans to loans | 3.0673% | 349 |
| Net loans and leases to total assets | 55.9196% | 4,067 |
| Net loans and leases to deposits | 63.3582% | 4,228 |
| Net loans and leases to core deposits | 70.4464% | 4,061 |
| Total domestic deposits to total assets | 88.2594% | 1,215 |
| Equity capital to assets | 11.3959% | 2,490 |
| Core capital (leverage) ratio | 9.9333% | 3,677 |
| Tier 1 risk-based capital ratio | 16.3804% | 2,306 |
| Total risk-based capital ratio | 17.6382% | 2,250 |
| Memoranda: | ||
| Average total assets | $115,865,000 | 3,865 |
| Average earning assets | $107,947,500 | 3,848 |
| Average equity | $13,056,000 | 3,940 |
| Average total loans | $64,518,000 | 4,000 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3065% | 3,088 |
| Cost of funding earning assets | 0.3110% | 4,517 |
| Net interest margin | 3.9955% | 1,995 |
| Noninterest income to average assets | 0.3208% | 3,956 |
| Noninterest expense to average assets | 2.4879% | 3,641 |
| Loan and lease loss provision to assets | 0.1622% | 1,257 |
| Net operating income to assets | 1.0390% | 2,850 |
| Return on assets (ROA) | 0.9542% | 3,208 |
| Pretax return on assets | 1.2453% | 2,716 |
| Return on Equity (ROE) | 8.2139% | 3,350 |
| Retained earnings to average equity (ytd only) | 2.5828% | 4,108 |
| Net charge-offs to loans | 0.1124% | 1,623 |
| Credit loss provision to net charge-offs | 257.1429% | 1,161 |
| Earnings coverage of net charge-offs (x) | 24.0143% | 1,831 |
| Efficiency ratio | 61.2337% | 3,657 |
| Assets per employee ($millions) | 4.0700% | 3,790 |
| Cash dividends to net income (ytd only)* | 68.5552% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9748% | 493 |
| Loan loss allowance to noncurrent loans | 164.3320% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 2,089 |
| Noncurrent loans to loans | 1.2017% | 1,333 |
| Net loans and leases to total assets | 53.2835% | 4,334 |
| Net loans and leases to deposits | 60.2427% | 4,464 |
| Net loans and leases to core deposits | 66.8840% | 4,303 |
| Total domestic deposits to total assets | 88.4480% | 1,098 |
| Equity capital to assets | 11.1454% | 2,557 |
| Core capital (leverage) ratio | 9.8767% | 3,716 |
| Tier 1 risk-based capital ratio | 17.0865% | 2,036 |
| Total risk-based capital ratio | 18.3439% | 1,978 |
| Memoranda: | ||
| Average total assets | $110,977,400 | 3,925 |
| Average earning assets | $102,264,600 | 3,947 |
| Average equity | $12,892,800 | 3,901 |
| Average total loans | $62,262,000 | 4,040 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3009% | 2,958 |
| Cost of funding earning assets | 0.2496% | 4,786 |
| Net interest margin | 4.0514% | 1,786 |
| Noninterest income to average assets | 0.3321% | 3,935 |
| Noninterest expense to average assets | 2.4087% | 3,837 |
| Loan and lease loss provision to assets | 0.0610% | 2,759 |
| Net operating income to assets | 1.2550% | 2,022 |
| Return on assets (ROA) | 1.1402% | 2,501 |
| Pretax return on assets | 1.4430% | 2,080 |
| Return on Equity (ROE) | 9.7082% | 2,748 |
| Retained earnings to average equity (ytd only) | 3.7835% | 3,886 |
| Net charge-offs to loans | -0.0065% | 4,285 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4236% | 4,053 |
| Assets per employee ($millions) | 3.8304% | 4,137 |
| Cash dividends to net income (ytd only)* | 61.0279% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8857% | 613 |
| Loan loss allowance to noncurrent loans | 55.1504% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 1.9751% | 539 |
| Noncurrent loans to loans | 3.4191% | 287 |
| Net loans and leases to total assets | 56.6770% | 4,162 |
| Net loans and leases to deposits | 65.4340% | 4,243 |
| Net loans and leases to core deposits | 71.5944% | 4,101 |
| Total domestic deposits to total assets | 86.6171% | 1,911 |
| Equity capital to assets | 11.7634% | 2,062 |
| Core capital (leverage) ratio | 10.7069% | 2,878 |
| Tier 1 risk-based capital ratio | 16.8471% | 2,156 |
| Total risk-based capital ratio | 18.1024% | 2,105 |
| Memoranda: | ||
| Average total assets | $109,214,000 | 3,995 |
| Average earning assets | $100,441,250 | 4,008 |
| Average equity | $12,827,250 | 3,940 |
| Average total loans | $61,788,000 | 4,090 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2144% | 3,070 |
| Cost of funding earning assets | 0.2138% | 4,953 |
| Net interest margin | 4.0005% | 1,860 |
| Noninterest income to average assets | 0.3297% | 3,985 |
| Noninterest expense to average assets | 2.4256% | 3,837 |
| Loan and lease loss provision to assets | 0.0368% | 3,177 |
| Net operating income to assets | 1.2622% | 1,930 |
| Return on assets (ROA) | 1.0922% | 2,620 |
| Pretax return on assets | 1.3445% | 2,343 |
| Return on Equity (ROE) | 9.3039% | 2,892 |
| Retained earnings to average equity (ytd only) | 1.5846% | 4,613 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4681% | 4,016 |
| Assets per employee ($millions) | 3.7306% | 4,312 |
| Cash dividends to net income (ytd only)* | 82.9680% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8403% | 700 |
| Loan loss allowance to noncurrent loans | 50.0212% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 2.2526% | 417 |
| Noncurrent loans to loans | 3.6790% | 262 |
| Net loans and leases to total assets | 60.1017% | 3,795 |
| Net loans and leases to deposits | 69.0379% | 3,946 |
| Net loans and leases to core deposits | 75.9435% | 3,749 |
| Total domestic deposits to total assets | 87.0560% | 1,815 |
| Equity capital to assets | 12.3121% | 1,651 |
| Core capital (leverage) ratio | 10.6538% | 2,865 |
| Tier 1 risk-based capital ratio | 16.7402% | 2,183 |
| Total risk-based capital ratio | 17.9955% | 2,125 |
| Memoranda: | ||
| Average total assets | $108,591,330 | 4,040 |
| Average earning assets | $100,086,330 | 4,047 |
| Average equity | $12,747,330 | 3,970 |
| Average total loans | $60,994,670 | 4,141 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0807% | 3,296 |
| Cost of funding earning assets | 0.2162% | 4,922 |
| Net interest margin | 3.8645% | 2,180 |
| Noninterest income to average assets | 0.3181% | 4,026 |
| Noninterest expense to average assets | 2.4183% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0928% | 2,456 |
| Return on assets (ROA) | 0.7844% | 3,771 |
| Pretax return on assets | 1.0627% | 3,304 |
| Return on Equity (ROE) | 6.8398% | 3,844 |
| Retained earnings to average equity (ytd only) | -8.6679% | 5,324 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7843% | 3,971 |
| Assets per employee ($millions) | 4.0194% | 3,941 |
| Cash dividends to net income (ytd only)* | 226.7281% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9306% | 627 |
| Loan loss allowance to noncurrent loans | 51.5367% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 2.0687% | 538 |
| Noncurrent loans to loans | 3.7460% | 276 |
| Net loans and leases to total assets | 54.1576% | 4,270 |
| Net loans and leases to deposits | 61.4315% | 4,373 |
| Net loans and leases to core deposits | 67.5005% | 4,240 |
| Total domestic deposits to total assets | 88.1593% | 1,534 |
| Equity capital to assets | 11.5154% | 2,116 |
| Core capital (leverage) ratio | 9.9714% | 3,566 |
| Tier 1 risk-based capital ratio | 16.7440% | 2,196 |
| Total risk-based capital ratio | 17.9994% | 2,141 |
| Memoranda: | ||
| Average total assets | $110,658,000 | 4,056 |
| Average earning assets | $101,747,000 | 4,069 |
| Average equity | $12,690,500 | 4,020 |
| Average total loans | $59,513,000 | 4,208 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9927% | 3,426 |
| Cost of funding earning assets | 0.1630% | 5,192 |
| Net interest margin | 3.8297% | 2,321 |
| Noninterest income to average assets | 0.3144% | 4,214 |
| Noninterest expense to average assets | 2.4361% | 3,972 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7968% | 3,172 |
| Return on assets (ROA) | 0.7968% | 3,214 |
| Pretax return on assets | 1.4229% | 1,917 |
| Return on Equity (ROE) | 6.9453% | 3,307 |
| Retained earnings to average equity (ytd only) | 0.6969% | 4,760 |
| Net charge-offs to loans | 0.0227% | 3,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 121.8462% | 553 |
| Efficiency ratio | 61.4991% | 4,015 |
| Assets per employee ($millions) | 4.1775% | 3,694 |
| Cash dividends to net income (ytd only)* | 89.9662% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9579% | 580 |
| Loan loss allowance to noncurrent loans | 118.5451% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.8653% | 1,801 |
| Noncurrent loans to loans | 1.6516% | 999 |
| Net loans and leases to total assets | 51.3671% | 4,565 |
| Net loans and leases to deposits | 58.2778% | 4,677 |
| Net loans and leases to core deposits | 63.2760% | 4,582 |
| Total domestic deposits to total assets | 88.1419% | 1,414 |
| Equity capital to assets | 11.4228% | 2,257 |
| Core capital (leverage) ratio | 9.7328% | 3,767 |
| Tier 1 risk-based capital ratio | 16.7822% | 2,163 |
| Total risk-based capital ratio | 18.0383% | 2,111 |
| Memoranda: | ||
| Average total assets | $111,325,000 | 4,034 |
| Average earning assets | $103,037,800 | 4,044 |
| Average equity | $12,771,200 | 4,021 |
| Average total loans | $57,383,800 | 4,259 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 3,424 |
| Cost of funding earning assets | 0.1594% | 5,255 |
| Net interest margin | 3.8192% | 2,322 |
| Noninterest income to average assets | 0.3160% | 4,275 |
| Noninterest expense to average assets | 2.3552% | 4,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9493% | 2,783 |
| Return on assets (ROA) | 0.9493% | 2,848 |
| Pretax return on assets | 1.5020% | 1,760 |
| Return on Equity (ROE) | 8.2658% | 2,989 |
| Retained earnings to average equity (ytd only) | 0.7324% | 5,054 |
| Net charge-offs to loans | 0.0094% | 3,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 312.6886% | 294 |
| Efficiency ratio | 59.4393% | 4,298 |
| Assets per employee ($millions) | 4.0624% | 3,878 |
| Cash dividends to net income (ytd only)* | 91.1394% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9917% | 578 |
| Loan loss allowance to noncurrent loans | 159.9451% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.6646% | 2,507 |
| Noncurrent loans to loans | 1.2452% | 1,533 |
| Net loans and leases to total assets | 52.3111% | 4,546 |
| Net loans and leases to deposits | 59.5238% | 4,657 |
| Net loans and leases to core deposits | 65.0286% | 4,551 |
| Total domestic deposits to total assets | 87.8827% | 1,428 |
| Equity capital to assets | 11.7836% | 2,122 |
| Core capital (leverage) ratio | 10.0924% | 3,452 |
| Tier 1 risk-based capital ratio | 16.8684% | 2,193 |
| Total risk-based capital ratio | 18.1237% | 2,149 |
| Memoranda: | ||
| Average total assets | $110,958,250 | 4,092 |
| Average earning assets | $102,880,250 | 4,092 |
| Average equity | $12,743,000 | 4,060 |
| Average total loans | $56,956,000 | 4,307 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9742% | 3,304 |
| Cost of funding earning assets | 0.1548% | 5,307 |
| Net interest margin | 3.8194% | 2,212 |
| Noninterest income to average assets | 0.3035% | 4,368 |
| Noninterest expense to average assets | 2.3810% | 4,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9373% | 2,735 |
| Return on assets (ROA) | 0.9373% | 2,790 |
| Pretax return on assets | 1.4670% | 1,770 |
| Return on Equity (ROE) | 8.2319% | 2,898 |
| Retained earnings to average equity (ytd only) | -1.8924% | 5,338 |
| Net charge-offs to loans | 0.0142% | 2,967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 204.2500% | 404 |
| Efficiency ratio | 60.2427% | 4,280 |
| Assets per employee ($millions) | 4.0775% | 3,835 |
| Cash dividends to net income (ytd only)* | 122.9885% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0326% | 570 |
| Loan loss allowance to noncurrent loans | 149.1049% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.7103% | 2,435 |
| Noncurrent loans to loans | 1.3632% | 1,421 |
| Net loans and leases to total assets | 51.0478% | 4,641 |
| Net loans and leases to deposits | 57.9023% | 4,753 |
| Net loans and leases to core deposits | 62.5083% | 4,691 |
| Total domestic deposits to total assets | 88.1618% | 1,376 |
| Equity capital to assets | 11.5848% | 2,244 |
| Core capital (leverage) ratio | 10.0269% | 3,506 |
| Tier 1 risk-based capital ratio | 16.0876% | 2,464 |
| Total risk-based capital ratio | 17.3432% | 2,409 |
| Memoranda: | ||
| Average total assets | $111,382,330 | 4,110 |
| Average earning assets | $103,367,000 | 4,110 |
| Average equity | $12,682,330 | 4,081 |
| Average total loans | $56,426,670 | 4,343 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6380% | 4,308 |
| Cost of funding earning assets | 0.1500% | 5,374 |
| Net interest margin | 3.4880% | 3,315 |
| Noninterest income to average assets | 0.3321% | 4,175 |
| Noninterest expense to average assets | 2.3673% | 4,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7355% | 3,532 |
| Return on assets (ROA) | 0.7355% | 3,584 |
| Pretax return on assets | 1.2033% | 2,584 |
| Return on Equity (ROE) | 6.5156% | 3,654 |
| Retained earnings to average equity (ytd only) | -11.3233% | 5,607 |
| Net charge-offs to loans | 0.0214% | 2,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 112.3333% | 482 |
| Efficiency ratio | 64.6000% | 3,724 |
| Assets per employee ($millions) | 4.0646% | 3,905 |
| Cash dividends to net income (ytd only)* | 273.7864% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0999% | 555 |
| Loan loss allowance to noncurrent loans | 76.3244% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.4753% | 1,105 |
| Noncurrent loans to loans | 2.7513% | 532 |
| Net loans and leases to total assets | 49.5767% | 4,708 |
| Net loans and leases to deposits | 56.2125% | 4,802 |
| Net loans and leases to core deposits | 60.6930% | 4,740 |
| Total domestic deposits to total assets | 88.1951% | 1,597 |
| Equity capital to assets | 11.3793% | 2,280 |
| Core capital (leverage) ratio | 9.5091% | 4,118 |
| Tier 1 risk-based capital ratio | 16.1213% | 2,500 |
| Total risk-based capital ratio | 17.3776% | 2,448 |
| Memoranda: | ||
| Average total assets | $112,027,000 | 4,133 |
| Average earning assets | $104,014,500 | 4,128 |
| Average equity | $12,646,500 | 4,113 |
| Average total loans | $55,957,000 | 4,398 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9302% | 3,455 |
| Cost of funding earning assets | 0.1335% | 5,526 |
| Net interest margin | 3.7966% | 2,329 |
| Noninterest income to average assets | 0.3521% | 4,211 |
| Noninterest expense to average assets | 2.5006% | 4,009 |
| Loan and lease loss provision to assets | 0.0806% | 2,747 |
| Net operating income to assets | 0.8319% | 3,142 |
| Return on assets (ROA) | 0.8377% | 3,230 |
| Pretax return on assets | 1.2956% | 2,298 |
| Return on Equity (ROE) | 7.3674% | 3,286 |
| Retained earnings to average equity (ytd only) | 4.0816% | 3,012 |
| Net charge-offs to loans | -0.0864% | 5,544 |
| Credit loss provision to net charge-offs | -183.6735% | 4,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0299% | 4,100 |
| Assets per employee ($millions) | 4.2337% | 3,557 |
| Cash dividends to net income (ytd only)* | 44.5989% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0767% | 569 |
| Loan loss allowance to noncurrent loans | 144.6230% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.8993% | 2,111 |
| Noncurrent loans to loans | 1.4359% | 1,416 |
| Net loans and leases to total assets | 48.2631% | 4,877 |
| Net loans and leases to deposits | 54.6140% | 4,983 |
| Net loans and leases to core deposits | 58.7665% | 4,921 |
| Total domestic deposits to total assets | 88.3712% | 1,457 |
| Equity capital to assets | 11.2019% | 2,417 |
| Core capital (leverage) ratio | 9.6926% | 3,867 |
| Tier 1 risk-based capital ratio | 16.6466% | 2,292 |
| Total risk-based capital ratio | 17.9040% | 2,233 |
| Memoranda: | ||
| Average total assets | $111,612,800 | 4,132 |
| Average earning assets | $103,354,600 | 4,129 |
| Average equity | $12,691,000 | 4,135 |
| Average total loans | $56,704,600 | 4,391 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9649% | 3,354 |
| Cost of funding earning assets | 0.1325% | 5,599 |
| Net interest margin | 3.8324% | 2,218 |
| Noninterest income to average assets | 0.3545% | 4,253 |
| Noninterest expense to average assets | 2.4205% | 4,221 |
| Loan and lease loss provision to assets | 0.1082% | 2,120 |
| Net operating income to assets | 0.8853% | 2,980 |
| Return on assets (ROA) | 0.8930% | 3,073 |
| Pretax return on assets | 1.3845% | 2,105 |
| Return on Equity (ROE) | 7.8234% | 3,103 |
| Retained earnings to average equity (ytd only) | 4.2539% | 3,298 |
| Net charge-offs to loans | -0.1150% | 5,621 |
| Credit loss provision to net charge-offs | -183.6735% | 4,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4436% | 4,472 |
| Assets per employee ($millions) | 3.9160% | 4,100 |
| Cash dividends to net income (ytd only)* | 45.6261% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9205% | 829 |
| Loan loss allowance to noncurrent loans | 143.3824% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.9439% | 2,201 |
| Noncurrent loans to loans | 1.3394% | 1,646 |
| Net loans and leases to total assets | 54.4939% | 4,443 |
| Net loans and leases to deposits | 62.0981% | 4,622 |
| Net loans and leases to core deposits | 67.4478% | 4,512 |
| Total domestic deposits to total assets | 87.7546% | 1,527 |
| Equity capital to assets | 11.7821% | 2,276 |
| Core capital (leverage) ratio | 9.9460% | 3,633 |
| Tier 1 risk-based capital ratio | 15.3750% | 2,880 |
| Total risk-based capital ratio | 16.6300% | 2,811 |
| Memoranda: | ||
| Average total assets | $110,938,250 | 4,173 |
| Average earning assets | $102,665,500 | 4,174 |
| Average equity | $12,662,500 | 4,181 |
| Average total loans | $56,795,750 | 4,418 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7340% | 4,172 |
| Cost of funding earning assets | 0.1356% | 5,640 |
| Net interest margin | 3.5983% | 3,106 |
| Noninterest income to average assets | 0.3484% | 4,287 |
| Noninterest expense to average assets | 2.3975% | 4,340 |
| Loan and lease loss provision to assets | 0.1616% | 1,401 |
| Net operating income to assets | 0.7330% | 3,639 |
| Return on assets (ROA) | 0.7435% | 3,737 |
| Pretax return on assets | 1.1404% | 3,039 |
| Return on Equity (ROE) | 6.5834% | 3,762 |
| Retained earnings to average equity (ytd only) | 2.4330% | 4,337 |
| Net charge-offs to loans | -0.1552% | 5,752 |
| Credit loss provision to net charge-offs | -209.3023% | 4,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3837% | 4,122 |
| Assets per employee ($millions) | 3.9587% | 3,986 |
| Cash dividends to net income (ytd only)* | 63.0435% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9702% | 785 |
| Loan loss allowance to noncurrent loans | 107.6781% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.1728% | 1,790 |
| Noncurrent loans to loans | 1.8297% | 1,122 |
| Net loans and leases to total assets | 52.2509% | 4,650 |
| Net loans and leases to deposits | 59.3005% | 4,836 |
| Net loans and leases to core deposits | 65.0453% | 4,681 |
| Total domestic deposits to total assets | 88.1121% | 1,376 |
| Equity capital to assets | 11.5018% | 2,548 |
| Core capital (leverage) ratio | 9.7304% | 3,893 |
| Tier 1 risk-based capital ratio | 15.0825% | 3,042 |
| Total risk-based capital ratio | 16.3371% | 2,973 |
| Memoranda: | ||
| Average total assets | $111,368,000 | 4,197 |
| Average earning assets | $103,215,000 | 4,192 |
| Average equity | $12,577,000 | 4,218 |
| Average total loans | $55,420,330 | 4,491 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7094% | 4,285 |
| Cost of funding earning assets | 0.1390% | 5,688 |
| Net interest margin | 3.5705% | 3,203 |
| Noninterest income to average assets | 0.3368% | 4,324 |
| Noninterest expense to average assets | 2.3578% | 4,495 |
| Loan and lease loss provision to assets | 0.1612% | 1,285 |
| Net operating income to assets | 0.7382% | 3,547 |
| Return on assets (ROA) | 0.7382% | 3,654 |
| Pretax return on assets | 1.1323% | 2,962 |
| Return on Equity (ROE) | 6.5967% | 3,676 |
| Retained earnings to average equity (ytd only) | 3.2343% | 3,881 |
| Net charge-offs to loans | -0.2762% | 5,921 |
| Credit loss provision to net charge-offs | -121.6216% | 4,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9048% | 4,310 |
| Assets per employee ($millions) | 3.9478% | 4,047 |
| Cash dividends to net income (ytd only)* | 50.9709% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0005% | 817 |
| Loan loss allowance to noncurrent loans | 102.1101% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.0358% | 2,138 |
| Noncurrent loans to loans | 1.9591% | 1,105 |
| Net loans and leases to total assets | 49.3260% | 4,857 |
| Net loans and leases to deposits | 55.8991% | 4,993 |
| Net loans and leases to core deposits | 61.5090% | 4,840 |
| Total domestic deposits to total assets | 88.2411% | 1,507 |
| Equity capital to assets | 11.3952% | 2,540 |
| Core capital (leverage) ratio | 9.6131% | 4,022 |
| Tier 1 risk-based capital ratio | 15.6494% | 2,844 |
| Total risk-based capital ratio | 16.9041% | 2,771 |
| Memoranda: | ||
| Average total assets | $111,630,000 | 4,227 |
| Average earning assets | $103,628,000 | 4,221 |
| Average equity | $12,491,000 | 4,242 |
| Average total loans | $53,590,000 | 4,568 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6282% | 4,595 |
| Cost of funding earning assets | 0.1875% | 5,381 |
| Net interest margin | 3.4407% | 3,755 |
| Noninterest income to average assets | 0.3979% | 4,049 |
| Noninterest expense to average assets | 2.5000% | 4,224 |
| Loan and lease loss provision to assets | 0.1326% | 1,802 |
| Net operating income to assets | 0.6322% | 4,128 |
| Return on assets (ROA) | 0.6394% | 4,176 |
| Pretax return on assets | 0.9660% | 3,593 |
| Return on Equity (ROE) | 5.7225% | 4,176 |
| Retained earnings to average equity (ytd only) | 3.1682% | 3,801 |
| Net charge-offs to loans | 0.1047% | 2,350 |
| Credit loss provision to net charge-offs | 278.8462% | 1,045 |
| Earnings coverage of net charge-offs (x) | 22.8654% | 1,752 |
| Efficiency ratio | 67.8990% | 3,586 |
| Assets per employee ($millions) | 4.0258% | 3,890 |
| Cash dividends to net income (ytd only)* | 44.6352% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0003% | 802 |
| Loan loss allowance to noncurrent loans | 109.1005% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.8871% | 2,455 |
| Noncurrent loans to loans | 1.8334% | 1,184 |
| Net loans and leases to total assets | 44.8111% | 5,236 |
| Net loans and leases to deposits | 50.4026% | 5,370 |
| Net loans and leases to core deposits | 55.3083% | 5,238 |
| Total domestic deposits to total assets | 88.9063% | 1,166 |
| Equity capital to assets | 10.9881% | 2,833 |
| Core capital (leverage) ratio | 9.3202% | 4,444 |
| Tier 1 risk-based capital ratio | 16.5553% | 2,451 |
| Total risk-based capital ratio | 17.8096% | 2,407 |
| Memoranda: | ||
| Average total assets | $109,321,400 | 4,271 |
| Average earning assets | $101,346,000 | 4,254 |
| Average equity | $12,215,000 | 4,265 |
| Average total loans | $49,644,200 | 4,683 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6296% | 4,643 |
| Cost of funding earning assets | 0.1978% | 5,394 |
| Net interest margin | 3.4318% | 3,828 |
| Noninterest income to average assets | 0.4167% | 3,957 |
| Noninterest expense to average assets | 2.5038% | 4,180 |
| Loan and lease loss provision to assets | 0.1782% | 1,178 |
| Net operating income to assets | 0.6072% | 4,350 |
| Return on assets (ROA) | 0.6170% | 4,405 |
| Pretax return on assets | 0.9268% | 3,892 |
| Return on Equity (ROE) | 5.4987% | 4,412 |
| Retained earnings to average equity (ytd only) | 2.9355% | 4,364 |
| Net charge-offs to loans | 0.1627% | 1,524 |
| Credit loss provision to net charge-offs | 241.6667% | 1,167 |
| Earnings coverage of net charge-offs (x) | 14.7830% | 2,227 |
| Efficiency ratio | 67.8523% | 3,574 |
| Assets per employee ($millions) | 3.8986% | 4,086 |
| Cash dividends to net income (ytd only)* | 46.6130% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8513% | 1,174 |
| Loan loss allowance to noncurrent loans | 103.4378% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.9918% | 2,376 |
| Noncurrent loans to loans | 1.7898% | 1,329 |
| Net loans and leases to total assets | 51.5224% | 4,800 |
| Net loans and leases to deposits | 58.6250% | 4,946 |
| Net loans and leases to core deposits | 64.2279% | 4,804 |
| Total domestic deposits to total assets | 87.8846% | 1,622 |
| Equity capital to assets | 11.7601% | 2,300 |
| Core capital (leverage) ratio | 9.8331% | 3,854 |
| Tier 1 risk-based capital ratio | 15.6612% | 2,967 |
| Total risk-based capital ratio | 16.9148% | 2,900 |
| Memoranda: | ||
| Average total assets | $108,471,250 | 4,333 |
| Average earning assets | $100,432,000 | 4,320 |
| Average equity | $12,172,250 | 4,321 |
| Average total loans | $49,169,500 | 4,749 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4813% | 5,038 |
| Cost of funding earning assets | 0.2012% | 5,424 |
| Net interest margin | 3.2801% | 4,374 |
| Noninterest income to average assets | 0.3706% | 4,289 |
| Noninterest expense to average assets | 2.5452% | 4,089 |
| Loan and lease loss provision to assets | 0.1917% | 1,041 |
| Net operating income to assets | 0.4601% | 4,945 |
| Return on assets (ROA) | 0.4601% | 5,035 |
| Pretax return on assets | 0.6701% | 4,757 |
| Return on Equity (ROE) | 4.1641% | 4,957 |
| Retained earnings to average equity (ytd only) | 1.5863% | 4,907 |
| Net charge-offs to loans | 0.3267% | 807 |
| Credit loss provision to net charge-offs | 136.3636% | 1,636 |
| Earnings coverage of net charge-offs (x) | 6.1299% | 2,818 |
| Efficiency ratio | 72.8296% | 2,874 |
| Assets per employee ($millions) | 3.7466% | 4,334 |
| Cash dividends to net income (ytd only)* | 61.9048% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9552% | 1,062 |
| Loan loss allowance to noncurrent loans | 74.3649% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 1.3631% | 1,842 |
| Noncurrent loans to loans | 2.6292% | 835 |
| Net loans and leases to total assets | 44.5827% | 5,347 |
| Net loans and leases to deposits | 50.3608% | 5,487 |
| Net loans and leases to core deposits | 55.5473% | 5,336 |
| Total domestic deposits to total assets | 88.5267% | 1,398 |
| Equity capital to assets | 11.1521% | 2,715 |
| Core capital (leverage) ratio | 9.4387% | 4,364 |
| Tier 1 risk-based capital ratio | 16.4900% | 2,610 |
| Total risk-based capital ratio | 17.7447% | 2,567 |
| Memoranda: | ||
| Average total assets | $109,540,670 | 4,351 |
| Average earning assets | $101,400,330 | 4,334 |
| Average equity | $12,103,330 | 4,362 |
| Average total loans | $47,140,330 | 4,846 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3236% | 5,393 |
| Cost of funding earning assets | 0.2043% | 5,471 |
| Net interest margin | 3.1193% | 4,886 |
| Noninterest income to average assets | 0.3673% | 4,275 |
| Noninterest expense to average assets | 2.5858% | 3,989 |
| Loan and lease loss provision to assets | 0.0546% | 2,842 |
| Net operating income to assets | 0.4255% | 4,969 |
| Return on assets (ROA) | 0.4255% | 5,093 |
| Pretax return on assets | 0.6146% | 4,877 |
| Return on Equity (ROE) | 3.8689% | 5,031 |
| Retained earnings to average equity (ytd only) | 3.8689% | 3,680 |
| Net charge-offs to loans | -0.0348% | 5,333 |
| Credit loss provision to net charge-offs | -375.0000% | 4,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4302% | 2,276 |
| Assets per employee ($millions) | 3.6335% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0424% | 1,004 |
| Loan loss allowance to noncurrent loans | 68.4060% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.6403% | 1,549 |
| Noncurrent loans to loans | 2.9857% | 727 |
| Net loans and leases to total assets | 42.1076% | 5,476 |
| Net loans and leases to deposits | 47.5928% | 5,584 |
| Net loans and leases to core deposits | 52.4698% | 5,455 |
| Total domestic deposits to total assets | 88.4747% | 1,555 |
| Equity capital to assets | 11.2207% | 2,733 |
| Core capital (leverage) ratio | 9.4123% | 4,410 |
| Tier 1 risk-based capital ratio | 16.9959% | 2,481 |
| Total risk-based capital ratio | 18.2513% | 2,433 |
| Memoranda: | ||
| Average total assets | $109,985,000 | 4,368 |
| Average earning assets | $101,816,500 | 4,349 |
| Average equity | $12,096,500 | 4,398 |
| Average total loans | $46,007,500 | 4,919 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7168% | 4,729 |
| Cost of funding earning assets | 0.2449% | 5,378 |
| Net interest margin | 3.4719% | 3,890 |
| Noninterest income to average assets | 0.4338% | 3,941 |
| Noninterest expense to average assets | 2.6226% | 4,133 |
| Loan and lease loss provision to assets | 0.0047% | 4,521 |
| Net operating income to assets | 0.6542% | 4,116 |
| Return on assets (ROA) | 0.6573% | 4,204 |
| Pretax return on assets | 1.0060% | 3,471 |
| Return on Equity (ROE) | 5.9710% | 4,162 |
| Retained earnings to average equity (ytd only) | 3.3210% | 3,865 |
| Net charge-offs to loans | 0.1994% | 2,074 |
| Credit loss provision to net charge-offs | 5.1020% | 4,158 |
| Earnings coverage of net charge-offs (x) | 10.9796% | 2,561 |
| Efficiency ratio | 70.4715% | 3,461 |
| Assets per employee ($millions) | 3.6989% | 4,529 |
| Cash dividends to net income (ytd only)* | 44.3812% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0771% | 983 |
| Loan loss allowance to noncurrent loans | 64.6006% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 1.5843% | 1,706 |
| Noncurrent loans to loans | 3.2153% | 678 |
| Net loans and leases to total assets | 39.8509% | 5,754 |
| Net loans and leases to deposits | 44.7454% | 5,853 |
| Net loans and leases to core deposits | 49.2000% | 5,753 |
| Total domestic deposits to total assets | 89.0615% | 1,208 |
| Equity capital to assets | 10.7799% | 3,144 |
| Core capital (leverage) ratio | 8.9738% | 5,037 |
| Tier 1 risk-based capital ratio | 16.9034% | 2,549 |
| Total risk-based capital ratio | 18.1574% | 2,500 |
| Memoranda: | ||
| Average total assets | $106,955,600 | 4,437 |
| Average earning assets | $98,419,000 | 4,442 |
| Average equity | $11,773,600 | 4,402 |
| Average total loans | $49,142,800 | 4,847 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8077% | 4,515 |
| Cost of funding earning assets | 0.2535% | 5,373 |
| Net interest margin | 3.5542% | 3,610 |
| Noninterest income to average assets | 0.4430% | 3,939 |
| Noninterest expense to average assets | 2.6879% | 3,863 |
| Loan and lease loss provision to assets | 0.0063% | 4,293 |
| Net operating income to assets | 0.6629% | 4,141 |
| Return on assets (ROA) | 0.6669% | 4,218 |
| Pretax return on assets | 1.0193% | 3,523 |
| Return on Equity (ROE) | 6.0261% | 4,219 |
| Retained earnings to average equity (ytd only) | 4.2523% | 3,630 |
| Net charge-offs to loans | 0.1330% | 2,464 |
| Credit loss provision to net charge-offs | 10.0000% | 3,705 |
| Earnings coverage of net charge-offs (x) | 16.1987% | 1,996 |
| Efficiency ratio | 70.7060% | 3,387 |
| Assets per employee ($millions) | 3.5777% | 4,721 |
| Cash dividends to net income (ytd only)* | 29.4332% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9443% | 1,363 |
| Loan loss allowance to noncurrent loans | 54.8998% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 2.0259% | 1,407 |
| Noncurrent loans to loans | 3.5416% | 669 |
| Net loans and leases to total assets | 47.9268% | 5,211 |
| Net loans and leases to deposits | 54.3454% | 5,359 |
| Net loans and leases to core deposits | 60.5624% | 5,154 |
| Total domestic deposits to total assets | 88.1894% | 1,665 |
| Equity capital to assets | 11.5302% | 2,454 |
| Core capital (leverage) ratio | 9.5696% | 4,282 |
| Tier 1 risk-based capital ratio | 15.6286% | 3,244 |
| Total risk-based capital ratio | 16.8826% | 3,183 |
| Memoranda: | ||
| Average total assets | $105,953,000 | 4,501 |
| Average earning assets | $97,309,000 | 4,513 |
| Average equity | $11,726,500 | 4,441 |
| Average total loans | $50,138,750 | 4,858 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7076% | 4,839 |
| Cost of funding earning assets | 0.2529% | 5,454 |
| Net interest margin | 3.4547% | 3,966 |
| Noninterest income to average assets | 0.4293% | 4,029 |
| Noninterest expense to average assets | 2.6676% | 3,991 |
| Loan and lease loss provision to assets | 0.0094% | 4,047 |
| Net operating income to assets | 0.6118% | 4,301 |
| Return on assets (ROA) | 0.6130% | 4,388 |
| Pretax return on assets | 0.9298% | 3,765 |
| Return on Equity (ROE) | 5.6149% | 4,379 |
| Retained earnings to average equity (ytd only) | 4.2755% | 3,456 |
| Net charge-offs to loans | -0.0160% | 5,465 |
| Credit loss provision to net charge-offs | -125.0000% | 5,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1789% | 3,297 |
| Assets per employee ($millions) | 3.5325% | 4,790 |
| Cash dividends to net income (ytd only)* | 23.8532% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0302% | 1,310 |
| Loan loss allowance to noncurrent loans | 48.6664% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 2.3053% | 1,290 |
| Noncurrent loans to loans | 4.1716% | 560 |
| Net loans and leases to total assets | 47.3574% | 5,229 |
| Net loans and leases to deposits | 53.4758% | 5,392 |
| Net loans and leases to core deposits | 59.4098% | 5,168 |
| Total domestic deposits to total assets | 88.5586% | 1,604 |
| Equity capital to assets | 11.1960% | 2,699 |
| Core capital (leverage) ratio | 9.2998% | 4,592 |
| Tier 1 risk-based capital ratio | 15.3717% | 3,425 |
| Total risk-based capital ratio | 16.6261% | 3,371 |
| Memoranda: | ||
| Average total assets | $106,686,000 | 4,521 |
| Average earning assets | $98,068,000 | 4,525 |
| Average equity | $11,647,670 | 4,462 |
| Average total loans | $49,947,670 | 4,899 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5440% | 5,318 |
| Cost of funding earning assets | 0.2601% | 5,489 |
| Net interest margin | 3.2839% | 4,610 |
| Noninterest income to average assets | 0.4223% | 4,009 |
| Noninterest expense to average assets | 2.5784% | 4,346 |
| Loan and lease loss provision to assets | 0.0187% | 3,587 |
| Net operating income to assets | 0.5605% | 4,410 |
| Return on assets (ROA) | 0.5605% | 4,490 |
| Pretax return on assets | 0.8445% | 3,924 |
| Return on Equity (ROE) | 5.1998% | 4,441 |
| Retained earnings to average equity (ytd only) | 2.4959% | 4,576 |
| Net charge-offs to loans | 0.1298% | 1,938 |
| Credit loss provision to net charge-offs | 31.2500% | 2,387 |
| Earnings coverage of net charge-offs (x) | 14.4375% | 1,610 |
| Efficiency ratio | 73.0727% | 3,302 |
| Assets per employee ($millions) | 3.5230% | 4,877 |
| Cash dividends to net income (ytd only)* | 52.0000% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0837% | 1,359 |
| Loan loss allowance to noncurrent loans | 53.6278% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 2.0891% | 1,611 |
| Noncurrent loans to loans | 3.8854% | 704 |
| Net loans and leases to total assets | 45.3515% | 5,396 |
| Net loans and leases to deposits | 51.0801% | 5,514 |
| Net loans and leases to core deposits | 56.7357% | 5,299 |
| Total domestic deposits to total assets | 88.7851% | 1,784 |
| Equity capital to assets | 10.9745% | 2,737 |
| Core capital (leverage) ratio | 9.0782% | 4,895 |
| Tier 1 risk-based capital ratio | 15.8970% | 3,221 |
| Total risk-based capital ratio | 17.1526% | 3,174 |
| Memoranda: | ||
| Average total assets | $107,041,500 | 4,557 |
| Average earning assets | $98,419,500 | 4,552 |
| Average equity | $11,539,000 | 4,500 |
| Average total loans | $49,308,000 | 4,957 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8451% | 4,641 |
| Cost of funding earning assets | 0.3020% | 5,580 |
| Net interest margin | 3.5430% | 3,717 |
| Noninterest income to average assets | 0.4035% | 4,419 |
| Noninterest expense to average assets | 2.4799% | 4,834 |
| Loan and lease loss provision to assets | 0.1327% | 2,654 |
| Net operating income to assets | 0.6135% | 4,201 |
| Return on assets (ROA) | 0.6135% | 4,318 |
| Pretax return on assets | 1.0437% | 3,177 |
| Return on Equity (ROE) | 5.8353% | 4,184 |
| Retained earnings to average equity (ytd only) | 1.5070% | 5,140 |
| Net charge-offs to loans | 0.3771% | 1,786 |
| Credit loss provision to net charge-offs | 72.7273% | 3,232 |
| Earnings coverage of net charge-offs (x) | 6.4495% | 3,062 |
| Efficiency ratio | 66.0620% | 4,547 |
| Assets per employee ($millions) | 3.8712% | 4,115 |
| Cash dividends to net income (ytd only)* | 74.1742% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0760% | 1,378 |
| Loan loss allowance to noncurrent loans | 55.5496% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 1.9946% | 1,800 |
| Noncurrent loans to loans | 3.7371% | 800 |
| Net loans and leases to total assets | 44.8673% | 5,593 |
| Net loans and leases to deposits | 50.2646% | 5,749 |
| Net loans and leases to core deposits | 55.6314% | 5,563 |
| Total domestic deposits to total assets | 89.2622% | 1,452 |
| Equity capital to assets | 10.5902% | 3,059 |
| Core capital (leverage) ratio | 8.8166% | 5,252 |
| Tier 1 risk-based capital ratio | 15.5258% | 3,362 |
| Total risk-based capital ratio | 16.7813% | 3,310 |
| Memoranda: | ||
| Average total assets | $108,554,000 | 4,535 |
| Average earning assets | $99,660,600 | 4,527 |
| Average equity | $11,413,200 | 4,556 |
| Average total loans | $52,509,000 | 4,866 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7114% | 5,132 |
| Cost of funding earning assets | 0.3091% | 5,653 |
| Net interest margin | 3.4024% | 4,276 |
| Noninterest income to average assets | 0.3941% | 4,571 |
| Noninterest expense to average assets | 2.4629% | 4,829 |
| Loan and lease loss provision to assets | 0.1400% | 2,545 |
| Net operating income to assets | 0.5108% | 4,752 |
| Return on assets (ROA) | 0.5108% | 4,911 |
| Pretax return on assets | 0.9135% | 3,821 |
| Return on Equity (ROE) | 4.8667% | 4,788 |
| Retained earnings to average equity (ytd only) | 0.9125% | 5,612 |
| Net charge-offs to loans | 0.3733% | 1,705 |
| Credit loss provision to net charge-offs | 76.5101% | 2,933 |
| Earnings coverage of net charge-offs (x) | 5.7584% | 3,110 |
| Efficiency ratio | 68.1913% | 4,061 |
| Assets per employee ($millions) | 3.4269% | 4,999 |
| Cash dividends to net income (ytd only)* | 81.2512% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9479% | 1,858 |
| Loan loss allowance to noncurrent loans | 36.4837% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 3.2332% | 1,099 |
| Noncurrent loans to loans | 5.3390% | 529 |
| Net loans and leases to total assets | 51.4114% | 4,949 |
| Net loans and leases to deposits | 57.9843% | 5,195 |
| Net loans and leases to core deposits | 64.5825% | 4,835 |
| Total domestic deposits to total assets | 88.6643% | 1,741 |
| Equity capital to assets | 11.1178% | 2,646 |
| Core capital (leverage) ratio | 9.3237% | 4,662 |
| Tier 1 risk-based capital ratio | 14.4037% | 4,145 |
| Total risk-based capital ratio | 15.6585% | 4,101 |
| Memoranda: | ||
| Average total assets | $108,594,250 | 4,571 |
| Average earning assets | $99,653,000 | 4,568 |
| Average equity | $11,396,750 | 4,608 |
| Average total loans | $53,220,250 | 4,882 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6148% | 5,389 |
| Cost of funding earning assets | 0.3168% | 5,700 |
| Net interest margin | 3.2980% | 4,588 |
| Noninterest income to average assets | 0.3746% | 4,716 |
| Noninterest expense to average assets | 2.4538% | 4,886 |
| Loan and lease loss provision to assets | 0.2063% | 1,836 |
| Net operating income to assets | 0.3619% | 5,353 |
| Return on assets (ROA) | 0.3619% | 5,536 |
| Pretax return on assets | 0.7474% | 4,518 |
| Return on Equity (ROE) | 3.5132% | 5,419 |
| Retained earnings to average equity (ytd only) | -1.0540% | 6,061 |
| Net charge-offs to loans | 0.5133% | 1,278 |
| Credit loss provision to net charge-offs | 83.8235% | 2,555 |
| Earnings coverage of net charge-offs (x) | 3.8750% | 3,279 |
| Efficiency ratio | 70.1540% | 3,796 |
| Assets per employee ($millions) | 3.5639% | 4,722 |
| Cash dividends to net income (ytd only)* | 130.0000% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0130% | 1,817 |
| Loan loss allowance to noncurrent loans | 37.1159% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 3.0958% | 1,295 |
| Noncurrent loans to loans | 5.4234% | 568 |
| Net loans and leases to total assets | 48.3969% | 5,291 |
| Net loans and leases to deposits | 54.3763% | 5,494 |
| Net loans and leases to core deposits | 60.5495% | 5,217 |
| Total domestic deposits to total assets | 89.0037% | 1,631 |
| Equity capital to assets | 10.5473% | 3,239 |
| Core capital (leverage) ratio | 8.4728% | 5,703 |
| Tier 1 risk-based capital ratio | 15.0104% | 3,772 |
| Total risk-based capital ratio | 16.2669% | 3,734 |
| Memoranda: | ||
| Average total assets | $110,523,000 | 4,562 |
| Average earning assets | $101,638,330 | 4,525 |
| Average equity | $11,385,670 | 4,643 |
| Average total loans | $52,992,000 | 4,915 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2675% | 6,216 |
| Cost of funding earning assets | 0.3244% | 5,766 |
| Net interest margin | 2.9430% | 5,723 |
| Noninterest income to average assets | 0.3561% | 4,823 |
| Noninterest expense to average assets | 2.3895% | 5,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2065% | 5,866 |
| Return on assets (ROA) | 0.2065% | 5,980 |
| Pretax return on assets | 0.6802% | 4,658 |
| Return on Equity (ROE) | 2.0280% | 5,928 |
| Retained earnings to average equity (ytd only) | -7.0629% | 6,477 |
| Net charge-offs to loans | 0.0754% | 3,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 19.1000% | 1,237 |
| Efficiency ratio | 75.8701% | 2,943 |
| Assets per employee ($millions) | 3.8108% | 4,332 |
| Cash dividends to net income (ytd only)* | 448.2759% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0518% | 1,915 |
| Loan loss allowance to noncurrent loans | 30.3415% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 3.6095% | 1,160 |
| Noncurrent loans to loans | 6.7624% | 453 |
| Net loans and leases to total assets | 46.4362% | 5,393 |
| Net loans and leases to deposits | 52.8061% | 5,543 |
| Net loans and leases to core deposits | 58.8813% | 5,259 |
| Total domestic deposits to total assets | 87.9372% | 2,358 |
| Equity capital to assets | 10.2440% | 3,864 |
| Core capital (leverage) ratio | 8.2048% | 5,928 |
| Tier 1 risk-based capital ratio | 15.0415% | 3,808 |
| Total risk-based capital ratio | 16.2977% | 3,760 |
| Memoranda: | ||
| Average total assets | $112,325,500 | 4,569 |
| Average earning assets | $103,567,000 | 4,529 |
| Average equity | $11,440,000 | 4,691 |
| Average total loans | $53,084,000 | 4,944 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 4,924 |
| Cost of funding earning assets | 0.4182% | 5,801 |
| Net interest margin | 3.6893% | 3,691 |
| Noninterest income to average assets | 0.3784% | 4,765 |
| Noninterest expense to average assets | 2.5270% | 5,001 |
| Loan and lease loss provision to assets | 0.0951% | 4,478 |
| Net operating income to assets | 0.7397% | 3,559 |
| Return on assets (ROA) | 0.7397% | 3,803 |
| Pretax return on assets | 1.1114% | 3,118 |
| Return on Equity (ROE) | 6.8259% | 3,745 |
| Retained earnings to average equity (ytd only) | 2.0793% | 4,762 |
| Net charge-offs to loans | 0.2388% | 3,505 |
| Credit loss provision to net charge-offs | 78.7402% | 3,869 |
| Earnings coverage of net charge-offs (x) | 9.9921% | 2,197 |
| Efficiency ratio | 65.9027% | 4,523 |
| Assets per employee ($millions) | 3.8046% | 4,358 |
| Cash dividends to net income (ytd only)* | 69.5373% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0177% | 1,977 |
| Loan loss allowance to noncurrent loans | 55.2725% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 2.1106% | 2,322 |
| Noncurrent loans to loans | 3.6504% | 1,343 |
| Net loans and leases to total assets | 46.1634% | 5,595 |
| Net loans and leases to deposits | 52.6163% | 5,766 |
| Net loans and leases to core deposits | 58.4561% | 5,502 |
| Total domestic deposits to total assets | 87.7359% | 2,385 |
| Equity capital to assets | 10.1272% | 4,005 |
| Core capital (leverage) ratio | 8.2813% | 5,906 |
| Tier 1 risk-based capital ratio | 14.8184% | 3,820 |
| Total risk-based capital ratio | 16.0750% | 3,774 |
| Memoranda: | ||
| Average total assets | $105,182,400 | 4,704 |
| Average earning assets | $95,655,000 | 4,703 |
| Average equity | $11,397,800 | 4,690 |
| Average total loans | $53,188,800 | 4,977 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2228% | 4,739 |
| Cost of funding earning assets | 0.4307% | 5,929 |
| Net interest margin | 3.7921% | 3,368 |
| Noninterest income to average assets | 0.3898% | 4,711 |
| Noninterest expense to average assets | 2.5580% | 4,888 |
| Loan and lease loss provision to assets | 0.0907% | 4,467 |
| Net operating income to assets | 0.7771% | 3,562 |
| Return on assets (ROA) | 0.7771% | 3,814 |
| Pretax return on assets | 1.1734% | 3,087 |
| Return on Equity (ROE) | 7.0436% | 3,781 |
| Retained earnings to average equity (ytd only) | 1.5966% | 5,537 |
| Net charge-offs to loans | 0.2212% | 3,397 |
| Credit loss provision to net charge-offs | 79.5455% | 3,635 |
| Earnings coverage of net charge-offs (x) | 11.0909% | 2,111 |
| Efficiency ratio | 65.1644% | 4,597 |
| Assets per employee ($millions) | 3.7480% | 4,427 |
| Cash dividends to net income (ytd only)* | 77.3332% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9980% | 2,171 |
| Loan loss allowance to noncurrent loans | 50.3915% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 2.4342% | 2,176 |
| Noncurrent loans to loans | 3.9649% | 1,305 |
| Net loans and leases to total assets | 47.7246% | 5,584 |
| Net loans and leases to deposits | 54.3319% | 5,782 |
| Net loans and leases to core deposits | 60.1019% | 5,547 |
| Total domestic deposits to total assets | 87.8390% | 2,134 |
| Equity capital to assets | 10.2409% | 4,150 |
| Core capital (leverage) ratio | 9.1459% | 4,838 |
| Tier 1 risk-based capital ratio | 14.4793% | 4,199 |
| Total risk-based capital ratio | 15.7362% | 4,162 |
| Memoranda: | ||
| Average total assets | $102,943,500 | 4,802 |
| Average earning assets | $93,174,250 | 4,823 |
| Average equity | $11,357,500 | 4,740 |
| Average total loans | $53,042,250 | 5,033 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3201% | 4,488 |
| Cost of funding earning assets | 0.4613% | 5,897 |
| Net interest margin | 3.8588% | 3,095 |
| Noninterest income to average assets | 0.3829% | 4,772 |
| Noninterest expense to average assets | 2.6439% | 4,632 |
| Loan and lease loss provision to assets | 0.0802% | 4,601 |
| Net operating income to assets | 0.7797% | 3,468 |
| Return on assets (ROA) | 0.7797% | 3,739 |
| Pretax return on assets | 1.1465% | 3,130 |
| Return on Equity (ROE) | 6.8819% | 3,842 |
| Retained earnings to average equity (ytd only) | 0.0354% | 6,022 |
| Net charge-offs to loans | 0.3392% | 2,663 |
| Credit loss provision to net charge-offs | 44.9438% | 4,151 |
| Earnings coverage of net charge-offs (x) | 6.8764% | 2,566 |
| Efficiency ratio | 66.4940% | 4,430 |
| Assets per employee ($millions) | 3.2393% | 5,581 |
| Cash dividends to net income (ytd only)* | 99.4859% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9887% | 2,260 |
| Loan loss allowance to noncurrent loans | 40.7748% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 3.2826% | 1,653 |
| Noncurrent loans to loans | 4.8774% | 1,031 |
| Net loans and leases to total assets | 53.9088% | 4,817 |
| Net loans and leases to deposits | 62.5865% | 4,928 |
| Net loans and leases to core deposits | 67.1581% | 4,879 |
| Total domestic deposits to total assets | 86.1349% | 3,288 |
| Equity capital to assets | 11.6733% | 2,438 |
| Core capital (leverage) ratio | 9.3251% | 4,418 |
| Tier 1 risk-based capital ratio | 14.3391% | 4,217 |
| Total risk-based capital ratio | 15.5954% | 4,175 |
| Memoranda: | ||
| Average total assets | $99,777,670 | 4,900 |
| Average earning assets | $90,183,330 | 4,925 |
| Average equity | $11,305,000 | 4,752 |
| Average total loans | $52,471,000 | 5,087 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2802% | 4,813 |
| Cost of funding earning assets | 0.4954% | 5,847 |
| Net interest margin | 3.7848% | 3,463 |
| Noninterest income to average assets | 0.3720% | 4,885 |
| Noninterest expense to average assets | 2.6317% | 4,698 |
| Loan and lease loss provision to assets | 0.0396% | 4,891 |
| Net operating income to assets | 0.7598% | 3,575 |
| Return on assets (ROA) | 0.7598% | 3,813 |
| Pretax return on assets | 1.1476% | 3,123 |
| Return on Equity (ROE) | 6.8052% | 3,892 |
| Retained earnings to average equity (ytd only) | -4.1824% | 6,519 |
| Net charge-offs to loans | 0.0539% | 3,962 |
| Credit loss provision to net charge-offs | 142.8571% | 1,723 |
| Earnings coverage of net charge-offs (x) | 42.8571% | 703 |
| Efficiency ratio | 67.1503% | 4,331 |
| Assets per employee ($millions) | 3.2919% | 5,584 |
| Cash dividends to net income (ytd only)* | 161.4583% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1578% | 1,968 |
| Loan loss allowance to noncurrent loans | 83.5206% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.9421% | 2,982 |
| Noncurrent loans to loans | 2.5836% | 2,524 |
| Net loans and leases to total assets | 51.1938% | 5,119 |
| Net loans and leases to deposits | 59.3230% | 5,241 |
| Net loans and leases to core deposits | 62.9300% | 5,228 |
| Total domestic deposits to total assets | 86.2968% | 3,364 |
| Equity capital to assets | 11.3621% | 2,570 |
| Core capital (leverage) ratio | 8.9537% | 4,910 |
| Tier 1 risk-based capital ratio | 14.6360% | 3,997 |
| Total risk-based capital ratio | 15.8932% | 3,953 |
| Memoranda: | ||
| Average total assets | $101,077,000 | 4,914 |
| Average earning assets | $92,052,500 | 4,905 |
| Average equity | $11,285,500 | 4,771 |
| Average total loans | $51,981,000 | 5,147 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6147% | 4,612 |
| Cost of funding earning assets | 0.7036% | 5,517 |
| Net interest margin | 3.9111% | 3,285 |
| Noninterest income to average assets | 0.3878% | 4,727 |
| Noninterest expense to average assets | 2.6292% | 4,989 |
| Loan and lease loss provision to assets | 0.1105% | 5,206 |
| Net operating income to assets | 0.7867% | 3,101 |
| Return on assets (ROA) | 0.7867% | 3,260 |
| Pretax return on assets | 1.1946% | 2,482 |
| Return on Equity (ROE) | 7.1063% | 3,351 |
| Retained earnings to average equity (ytd only) | 4.3110% | 3,110 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0409% | 4,943 |
| Assets per employee ($millions) | 3.3354% | 5,416 |
| Cash dividends to net income (ytd only)* | 39.3359% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1266% | 1,936 |
| Loan loss allowance to noncurrent loans | 91.3722% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.7409% | 3,337 |
| Noncurrent loans to loans | 2.3274% | 2,827 |
| Net loans and leases to total assets | 49.4961% | 5,659 |
| Net loans and leases to deposits | 56.9589% | 5,805 |
| Net loans and leases to core deposits | 60.2763% | 5,825 |
| Total domestic deposits to total assets | 86.8979% | 2,819 |
| Equity capital to assets | 10.9772% | 3,000 |
| Core capital (leverage) ratio | 8.8938% | 4,954 |
| Tier 1 risk-based capital ratio | 14.6879% | 3,838 |
| Total risk-based capital ratio | 15.9450% | 3,815 |
| Memoranda: | ||
| Average total assets | $99,535,000 | 4,900 |
| Average earning assets | $90,255,000 | 4,931 |
| Average equity | $11,018,400 | 4,774 |
| Average total loans | $54,281,600 | 5,104 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 4,444 |
| Cost of funding earning assets | 0.7438% | 5,499 |
| Net interest margin | 3.9597% | 3,107 |
| Noninterest income to average assets | 0.3679% | 4,928 |
| Noninterest expense to average assets | 2.6336% | 4,961 |
| Loan and lease loss provision to assets | 0.1217% | 4,912 |
| Net operating income to assets | 0.7899% | 3,219 |
| Return on assets (ROA) | 0.7899% | 3,383 |
| Pretax return on assets | 1.1985% | 2,641 |
| Return on Equity (ROE) | 7.1204% | 3,469 |
| Retained earnings to average equity (ytd only) | 4.3039% | 3,667 |
| Net charge-offs to loans | 0.0268% | 5,772 |
| Credit loss provision to net charge-offs | 818.1818% | 325 |
| Earnings coverage of net charge-offs (x) | 88.7048% | 404 |
| Efficiency ratio | 64.8307% | 4,928 |
| Assets per employee ($millions) | 3.1256% | 5,846 |
| Cash dividends to net income (ytd only)* | 39.5544% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 2,535 |
| Loan loss allowance to noncurrent loans | 66.0758% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 2.4676% | 2,610 |
| Noncurrent loans to loans | 2.9209% | 2,384 |
| Net loans and leases to total assets | 56.6908% | 4,730 |
| Net loans and leases to deposits | 66.1568% | 4,882 |
| Net loans and leases to core deposits | 70.1461% | 4,936 |
| Total domestic deposits to total assets | 85.6916% | 3,391 |
| Equity capital to assets | 11.5941% | 2,594 |
| Core capital (leverage) ratio | 9.1728% | 4,670 |
| Tier 1 risk-based capital ratio | 13.6293% | 4,635 |
| Total risk-based capital ratio | 14.8856% | 4,597 |
| Memoranda: | ||
| Average total assets | $98,569,750 | 4,963 |
| Average earning assets | $89,264,750 | 4,978 |
| Average equity | $10,935,500 | 4,818 |
| Average total loans | $54,779,750 | 5,130 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5868% | 5,022 |
| Cost of funding earning assets | 0.7682% | 5,572 |
| Net interest margin | 3.8187% | 3,696 |
| Noninterest income to average assets | 0.3571% | 5,032 |
| Noninterest expense to average assets | 2.6511% | 5,003 |
| Loan and lease loss provision to assets | 0.1211% | 4,764 |
| Net operating income to assets | 0.7082% | 3,497 |
| Return on assets (ROA) | 0.7082% | 3,609 |
| Pretax return on assets | 1.0653% | 2,987 |
| Return on Equity (ROE) | 6.4784% | 3,716 |
| Retained earnings to average equity (ytd only) | 3.6360% | 3,916 |
| Net charge-offs to loans | -0.1324% | 7,222 |
| Credit loss provision to net charge-offs | -166.6667% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2450% | 4,656 |
| Assets per employee ($millions) | 3.2903% | 5,442 |
| Cash dividends to net income (ytd only)* | 43.8746% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9645% | 2,468 |
| Loan loss allowance to noncurrent loans | 89.3409% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 2.2612% | 2,901 |
| Noncurrent loans to loans | 2.1989% | 3,226 |
| Net loans and leases to total assets | 55.5091% | 5,065 |
| Net loans and leases to deposits | 64.0651% | 5,265 |
| Net loans and leases to core deposits | 67.8913% | 5,300 |
| Total domestic deposits to total assets | 86.6447% | 2,960 |
| Equity capital to assets | 11.1417% | 2,825 |
| Core capital (leverage) ratio | 8.8416% | 4,979 |
| Tier 1 risk-based capital ratio | 13.3078% | 4,685 |
| Total risk-based capital ratio | 14.5644% | 4,658 |
| Memoranda: | ||
| Average total assets | $99,128,330 | 4,985 |
| Average earning assets | $90,345,330 | 4,985 |
| Average equity | $10,836,000 | 4,842 |
| Average total loans | $54,369,330 | 5,195 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5283% | 5,246 |
| Cost of funding earning assets | 0.8074% | 5,537 |
| Net interest margin | 3.7209% | 3,993 |
| Noninterest income to average assets | 0.3745% | 4,913 |
| Noninterest expense to average assets | 2.6133% | 5,168 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7771% | 3,131 |
| Return on assets (ROA) | 0.7771% | 3,203 |
| Pretax return on assets | 1.1758% | 2,463 |
| Return on Equity (ROE) | 7.1781% | 3,303 |
| Retained earnings to average equity (ytd only) | 4.3143% | 3,583 |
| Net charge-offs to loans | -0.5298% | 7,417 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1626% | 4,816 |
| Assets per employee ($millions) | 3.3968% | 5,249 |
| Cash dividends to net income (ytd only)* | 39.8964% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0061% | 2,404 |
| Loan loss allowance to noncurrent loans | 79.8958% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 2.0912% | 3,207 |
| Noncurrent loans to loans | 2.5109% | 2,973 |
| Net loans and leases to total assets | 53.2084% | 5,420 |
| Net loans and leases to deposits | 61.4236% | 5,578 |
| Net loans and leases to core deposits | 65.3321% | 5,578 |
| Total domestic deposits to total assets | 86.6253% | 3,167 |
| Equity capital to assets | 10.9434% | 2,745 |
| Core capital (leverage) ratio | 8.6881% | 5,101 |
| Tier 1 risk-based capital ratio | 13.8413% | 4,185 |
| Total risk-based capital ratio | 15.0975% | 4,154 |
| Memoranda: | ||
| Average total assets | $99,337,500 | 5,017 |
| Average earning assets | $91,161,000 | 5,001 |
| Average equity | $10,755,000 | 4,858 |
| Average total loans | $53,608,500 | 5,269 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2717% | 3,259 |
| Cost of funding earning assets | 1.0288% | 5,541 |
| Net interest margin | 4.2429% | 2,022 |
| Noninterest income to average assets | 0.4230% | 4,724 |
| Noninterest expense to average assets | 2.5108% | 5,750 |
| Loan and lease loss provision to assets | 0.9681% | 1,675 |
| Net operating income to assets | 0.5293% | 3,967 |
| Return on assets (ROA) | 0.5293% | 4,123 |
| Pretax return on assets | 0.8282% | 3,537 |
| Return on Equity (ROE) | 4.6806% | 4,218 |
| Retained earnings to average equity (ytd only) | -0.5583% | 5,718 |
| Net charge-offs to loans | 0.7226% | 2,850 |
| Credit loss provision to net charge-offs | 227.1605% | 1,301 |
| Earnings coverage of net charge-offs (x) | 4.2148% | 3,016 |
| Efficiency ratio | 56.5844% | 6,513 |
| Assets per employee ($millions) | 3.4541% | 5,044 |
| Cash dividends to net income (ytd only)* | 111.9284% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8649% | 2,653 |
| Loan loss allowance to noncurrent loans | 51.4902% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 1.9427% | 3,421 |
| Noncurrent loans to loans | 3.6218% | 2,066 |
| Net loans and leases to total assets | 52.6396% | 5,831 |
| Net loans and leases to deposits | 60.7451% | 5,975 |
| Net loans and leases to core deposits | 64.9272% | 5,987 |
| Total domestic deposits to total assets | 86.6564% | 3,002 |
| Equity capital to assets | 10.7120% | 2,940 |
| Core capital (leverage) ratio | 8.5558% | 5,265 |
| Tier 1 risk-based capital ratio | 13.4658% | 4,232 |
| Total risk-based capital ratio | 14.7209% | 4,197 |
| Memoranda: | ||
| Average total assets | $95,028,200 | 5,127 |
| Average earning assets | $86,992,600 | 5,118 |
| Average equity | $10,746,400 | 4,922 |
| Average total loans | $56,050,000 | 5,230 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4237% | 2,774 |
| Cost of funding earning assets | 1.0760% | 5,567 |
| Net interest margin | 4.3477% | 1,686 |
| Noninterest income to average assets | 0.4352% | 4,673 |
| Noninterest expense to average assets | 2.5374% | 5,574 |
| Loan and lease loss provision to assets | 1.1023% | 1,318 |
| Net operating income to assets | 0.4921% | 4,350 |
| Return on assets (ROA) | 0.4921% | 4,551 |
| Pretax return on assets | 0.7666% | 4,027 |
| Return on Equity (ROE) | 4.2911% | 4,649 |
| Retained earnings to average equity (ytd only) | -1.7363% | 6,149 |
| Net charge-offs to loans | 0.4638% | 3,434 |
| Credit loss provision to net charge-offs | 393.4010% | 773 |
| Earnings coverage of net charge-offs (x) | 6.6701% | 2,475 |
| Efficiency ratio | 55.9070% | 6,571 |
| Assets per employee ($millions) | 3.2364% | 5,601 |
| Cash dividends to net income (ytd only)* | 140.4622% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8270% | 2,695 |
| Loan loss allowance to noncurrent loans | 44.7479% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 2.5358% | 2,830 |
| Noncurrent loans to loans | 4.0829% | 1,821 |
| Net loans and leases to total assets | 60.9732% | 4,723 |
| Net loans and leases to deposits | 71.2514% | 4,959 |
| Net loans and leases to core deposits | 76.8354% | 4,946 |
| Total domestic deposits to total assets | 85.5747% | 3,309 |
| Equity capital to assets | 11.5379% | 2,502 |
| Core capital (leverage) ratio | 8.9146% | 4,826 |
| Tier 1 risk-based capital ratio | 12.4962% | 4,987 |
| Total risk-based capital ratio | 13.7516% | 4,957 |
| Memoranda: | ||
| Average total assets | $93,743,250 | 5,225 |
| Average earning assets | $85,622,500 | 5,216 |
| Average equity | $10,750,500 | 4,987 |
| Average total loans | $56,630,000 | 5,290 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4183% | 2,896 |
| Cost of funding earning assets | 1.0907% | 5,728 |
| Net interest margin | 4.3276% | 1,680 |
| Noninterest income to average assets | 0.4397% | 4,611 |
| Noninterest expense to average assets | 2.5335% | 5,598 |
| Loan and lease loss provision to assets | 1.6221% | 802 |
| Net operating income to assets | 0.1878% | 5,604 |
| Return on assets (ROA) | 0.1878% | 5,728 |
| Pretax return on assets | 0.2476% | 5,663 |
| Return on Equity (ROE) | 1.6411% | 5,750 |
| Retained earnings to average equity (ytd only) | -7.4224% | 6,775 |
| Net charge-offs to loans | 0.6527% | 2,586 |
| Credit loss provision to net charge-offs | 415.3005% | 876 |
| Earnings coverage of net charge-offs (x) | 4.7869% | 2,843 |
| Efficiency ratio | 55.8410% | 6,654 |
| Assets per employee ($millions) | 3.1664% | 5,751 |
| Cash dividends to net income (ytd only)* | 552.2727% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8349% | 2,622 |
| Loan loss allowance to noncurrent loans | 129.7561% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.8930% | 5,333 |
| Noncurrent loans to loans | 1.4141% | 4,588 |
| Net loans and leases to total assets | 61.9918% | 4,686 |
| Net loans and leases to deposits | 72.0575% | 4,983 |
| Net loans and leases to core deposits | 76.8112% | 5,104 |
| Total domestic deposits to total assets | 86.0310% | 3,062 |
| Equity capital to assets | 11.4969% | 2,445 |
| Core capital (leverage) ratio | 8.7706% | 4,970 |
| Tier 1 risk-based capital ratio | 12.2020% | 5,127 |
| Total risk-based capital ratio | 13.4567% | 5,092 |
| Memoranda: | ||
| Average total assets | $93,705,670 | 5,260 |
| Average earning assets | $85,820,330 | 5,244 |
| Average equity | $10,724,330 | 4,996 |
| Average total loans | $56,076,000 | 5,351 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2427% | 3,818 |
| Cost of funding earning assets | 1.1110% | 5,846 |
| Net interest margin | 4.1317% | 2,313 |
| Noninterest income to average assets | 0.4142% | 4,774 |
| Noninterest expense to average assets | 2.5146% | 5,681 |
| Loan and lease loss provision to assets | 0.5917% | 2,143 |
| Net operating income to assets | 0.7058% | 3,413 |
| Return on assets (ROA) | 0.7058% | 3,523 |
| Pretax return on assets | 1.1115% | 2,695 |
| Return on Equity (ROE) | 6.1806% | 3,781 |
| Retained earnings to average equity (ytd only) | -8.9563% | 6,895 |
| Net charge-offs to loans | 1.3280% | 1,290 |
| Credit loss provision to net charge-offs | 76.5027% | 3,961 |
| Earnings coverage of net charge-offs (x) | 2.2022% | 3,437 |
| Efficiency ratio | 57.9158% | 6,497 |
| Assets per employee ($millions) | 3.2030% | 5,763 |
| Cash dividends to net income (ytd only)* | 244.9102% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7949% | 7,142 |
| Loan loss allowance to noncurrent loans | 47.4359% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 1.0077% | 5,140 |
| Noncurrent loans to loans | 1.6757% | 4,233 |
| Net loans and leases to total assets | 59.6559% | 5,180 |
| Net loans and leases to deposits | 69.5467% | 5,403 |
| Net loans and leases to core deposits | 74.3356% | 5,467 |
| Total domestic deposits to total assets | 85.7783% | 3,271 |
| Equity capital to assets | 11.5184% | 2,346 |
| Core capital (leverage) ratio | 8.8382% | 4,808 |
| Tier 1 risk-based capital ratio | 12.7985% | 4,481 |
| Total risk-based capital ratio | 13.5083% | 4,908 |
| Memoranda: | ||
| Average total assets | $94,646,000 | 5,295 |
| Average earning assets | $87,131,500 | 5,270 |
| Average equity | $10,808,000 | 5,026 |
| Average total loans | $55,120,000 | 5,451 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4753% | 4,290 |
| Cost of funding earning assets | 1.4339% | 5,785 |
| Net interest margin | 4.0413% | 2,690 |
| Noninterest income to average assets | 0.3837% | 5,348 |
| Noninterest expense to average assets | 2.6243% | 5,701 |
| Loan and lease loss provision to assets | 0.0313% | 7,217 |
| Net operating income to assets | 0.8478% | 2,355 |
| Return on assets (ROA) | 0.8425% | 2,461 |
| Pretax return on assets | 1.4076% | 1,417 |
| Return on Equity (ROE) | 7.4617% | 2,595 |
| Retained earnings to average equity (ytd only) | 1.9208% | 3,752 |
| Net charge-offs to loans | 0.6509% | 3,238 |
| Credit loss provision to net charge-offs | 8.3565% | 6,979 |
| Earnings coverage of net charge-offs (x) | 3.8663% | 3,162 |
| Efficiency ratio | 61.9206% | 6,168 |
| Assets per employee ($millions) | 3.3243% | 5,442 |
| Cash dividends to net income (ytd only)* | 74.2574% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8955% | 6,831 |
| Loan loss allowance to noncurrent loans | 52.8773% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 0.9553% | 5,198 |
| Noncurrent loans to loans | 1.6935% | 4,101 |
| Net loans and leases to total assets | 55.9063% | 5,963 |
| Net loans and leases to deposits | 65.3471% | 6,130 |
| Net loans and leases to core deposits | 79.8971% | 6,109 |
| Total domestic deposits to total assets | 85.5528% | 3,256 |
| Equity capital to assets | 11.3240% | 2,450 |
| Core capital (leverage) ratio | 8.8937% | 4,598 |
| Tier 1 risk-based capital ratio | 13.5615% | 3,789 |
| Total risk-based capital ratio | 14.3639% | 4,018 |
| Memoranda: | ||
| Average total assets | $95,910,600 | 5,206 |
| Average earning assets | $87,520,600 | 5,211 |
| Average equity | $10,828,600 | 5,069 |
| Average total loans | $55,158,000 | 5,455 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5286% | 4,282 |
| Cost of funding earning assets | 1.5007% | 5,821 |
| Net interest margin | 4.0279% | 2,691 |
| Noninterest income to average assets | 0.3730% | 5,529 |
| Noninterest expense to average assets | 2.4888% | 6,103 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9342% | 2,292 |
| Return on assets (ROA) | 0.9270% | 2,387 |
| Pretax return on assets | 1.5381% | 1,306 |
| Return on Equity (ROE) | 8.2171% | 2,550 |
| Retained earnings to average equity (ytd only) | 2.0481% | 4,178 |
| Net charge-offs to loans | 0.2096% | 4,726 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 12.7928% | 1,729 |
| Efficiency ratio | 60.0138% | 6,411 |
| Assets per employee ($millions) | 3.1746% | 5,715 |
| Cash dividends to net income (ytd only)* | 75.0749% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 4,701 |
| Loan loss allowance to noncurrent loans | 58.0414% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 1.3643% | 4,361 |
| Noncurrent loans to loans | 2.1862% | 3,394 |
| Net loans and leases to total assets | 61.6128% | 5,309 |
| Net loans and leases to deposits | 72.8784% | 5,527 |
| Net loans and leases to core deposits | 89.6734% | 5,470 |
| Total domestic deposits to total assets | 84.5419% | 3,456 |
| Equity capital to assets | 11.9463% | 2,268 |
| Core capital (leverage) ratio | 8.9505% | 4,727 |
| Tier 1 risk-based capital ratio | 12.8975% | 4,273 |
| Total risk-based capital ratio | 14.0531% | 4,263 |
| Memoranda: | ||
| Average total assets | $95,786,750 | 5,250 |
| Average earning assets | $87,156,750 | 5,260 |
| Average equity | $10,806,500 | 5,110 |
| Average total loans | $55,351,500 | 5,489 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4371% | 4,955 |
| Cost of funding earning assets | 1.5525% | 5,914 |
| Net interest margin | 3.8846% | 3,187 |
| Noninterest income to average assets | 0.3401% | 5,790 |
| Noninterest expense to average assets | 2.4075% | 6,438 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9508% | 2,277 |
| Return on assets (ROA) | 0.9441% | 2,393 |
| Pretax return on assets | 1.4449% | 1,604 |
| Return on Equity (ROE) | 8.5267% | 2,558 |
| Retained earnings to average equity (ytd only) | 2.9415% | 3,689 |
| Net charge-offs to loans | 0.2891% | 3,748 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 8.9367% | 2,195 |
| Efficiency ratio | 62.3266% | 6,197 |
| Assets per employee ($millions) | 3.3585% | 5,166 |
| Cash dividends to net income (ytd only)* | 65.5022% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 4,124 |
| Loan loss allowance to noncurrent loans | 37.7368% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 2.0052% | 3,190 |
| Noncurrent loans to loans | 3.5128% | 1,995 |
| Net loans and leases to total assets | 56.3267% | 6,177 |
| Net loans and leases to deposits | 65.2078% | 6,464 |
| Net loans and leases to core deposits | 80.9300% | 6,327 |
| Total domestic deposits to total assets | 86.3803% | 2,582 |
| Equity capital to assets | 11.1350% | 2,805 |
| Core capital (leverage) ratio | 8.5921% | 5,276 |
| Tier 1 risk-based capital ratio | 13.1058% | 4,067 |
| Total risk-based capital ratio | 14.3240% | 4,008 |
| Memoranda: | ||
| Average total assets | $97,028,330 | 5,251 |
| Average earning assets | $87,988,000 | 5,265 |
| Average equity | $10,742,670 | 5,152 |
| Average total loans | $54,651,670 | 5,571 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5397% | 4,697 |
| Cost of funding earning assets | 1.6155% | 5,964 |
| Net interest margin | 3.9241% | 2,955 |
| Noninterest income to average assets | 0.3387% | 5,749 |
| Noninterest expense to average assets | 2.2345% | 6,739 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0625% | 2,098 |
| Return on assets (ROA) | 1.0491% | 2,267 |
| Pretax return on assets | 1.6150% | 1,370 |
| Return on Equity (ROE) | 9.5029% | 2,529 |
| Retained earnings to average equity (ytd only) | 5.7616% | 2,748 |
| Net charge-offs to loans | 0.3544% | 2,669 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 8.2500% | 2,221 |
| Efficiency ratio | 57.7375% | 6,740 |
| Assets per employee ($millions) | 3.2452% | 5,474 |
| Cash dividends to net income (ytd only)* | 39.3701% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 3,421 |
| Loan loss allowance to noncurrent loans | 33.3478% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 2.4471% | 2,340 |
| Noncurrent loans to loans | 4.2416% | 1,390 |
| Net loans and leases to total assets | 56.8771% | 6,114 |
| Net loans and leases to deposits | 66.2061% | 6,360 |
| Net loans and leases to core deposits | 82.5728% | 6,183 |
| Total domestic deposits to total assets | 85.9090% | 2,771 |
| Equity capital to assets | 11.4441% | 2,628 |
| Core capital (leverage) ratio | 8.5064% | 5,520 |
| Tier 1 risk-based capital ratio | 13.1086% | 4,115 |
| Total risk-based capital ratio | 14.3583% | 4,023 |
| Memoranda: | ||
| Average total assets | $96,844,500 | 5,279 |
| Average earning assets | $87,153,500 | 5,314 |
| Average equity | $10,691,500 | 5,190 |
| Average total loans | $54,179,000 | 5,625 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2782% | 4,080 |
| Cost of funding earning assets | 2.0381% | 6,284 |
| Net interest margin | 4.2401% | 2,158 |
| Noninterest income to average assets | 0.3662% | 5,775 |
| Noninterest expense to average assets | 2.5988% | 5,657 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0256% | 2,453 |
| Return on assets (ROA) | 1.0540% | 2,232 |
| Pretax return on assets | 1.6485% | 1,268 |
| Return on Equity (ROE) | 8.3043% | 2,942 |
| Retained earnings to average equity (ytd only) | -59.8005% | 8,191 |
| Net charge-offs to loans | -0.0219% | 7,938 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8342% | 5,986 |
| Assets per employee ($millions) | 3.5564% | 4,533 |
| Cash dividends to net income (ytd only)* | 820.1125% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 2,629 |
| Loan loss allowance to noncurrent loans | 54.1114% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 1.5144% | 3,186 |
| Noncurrent loans to loans | 2.7893% | 1,950 |
| Net loans and leases to total assets | 53.4721% | 6,708 |
| Net loans and leases to deposits | 61.6985% | 6,969 |
| Net loans and leases to core deposits | 75.7695% | 6,870 |
| Total domestic deposits to total assets | 86.6669% | 2,109 |
| Equity capital to assets | 10.6579% | 3,331 |
| Core capital (leverage) ratio | 8.1766% | 6,212 |
| Tier 1 risk-based capital ratio | 12.0858% | 4,749 |
| Total risk-based capital ratio | 13.3360% | 4,636 |
| Memoranda: | ||
| Average total assets | $67,454,600 | 6,106 |
| Average earning assets | $61,036,600 | 6,131 |
| Average equity | $8,561,800 | 5,885 |
| Average total loans | $41,078,400 | 6,118 |