Home > Citizens Bank & Trust, Inc. > Performance and Condition Ratios
Citizens Bank & Trust, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4123% | 1,293 |
| Cost of funding earning assets | 0.4791% | 4,215 |
| Net interest margin | 4.9332% | 345 |
| Noninterest income to average assets | 0.8700% | 812 |
| Noninterest expense to average assets | 3.2822% | 755 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.5235% | 973 |
| Return on assets (ROA) | 1.5204% | 947 |
| Pretax return on assets | 1.9665% | 707 |
| Return on Equity (ROE) | 16.6600% | 996 |
| Retained earnings to average equity (ytd only) | 8.1299% | 1,498 |
| Net charge-offs to loans | 0.1656% | 633 |
| Credit loss provision to net charge-offs | 94.0678% | 1,914 |
| Earnings coverage of net charge-offs (x) | 22.7797% | 1,808 |
| Efficiency ratio | 61.0660% | 2,963 |
| Assets per employee ($millions) | 3.1092% | 4,365 |
| Cash dividends to net income (ytd only)* | 51.2033% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 898 |
| Loan loss allowance to noncurrent loans | 301.3228% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 1,771 |
| Noncurrent loans to loans | 0.5214% | 1,489 |
| Net loans and leases to total assets | 55.9700% | 3,197 |
| Net loans and leases to deposits | 62.7407% | 3,364 |
| Net loans and leases to core deposits | 64.1757% | 3,581 |
| Total domestic deposits to total assets | 89.2200% | 996 |
| Equity capital to assets | 9.5420% | 2,319 |
| Core capital (leverage) ratio | 11.4711% | 1,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0389% | 537 |
| Memoranda: | ||
| Average total assets | $128,452,200 | 3,566 |
| Average earning assets | $117,306,400 | 3,570 |
| Average equity | $11,722,200 | 3,552 |
| Average total loans | $71,270,400 | 3,530 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3288% | 1,243 |
| Cost of funding earning assets | 0.4254% | 4,228 |
| Net interest margin | 4.9035% | 351 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 3.3370% | 690 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.4970% | 1,134 |
| Return on assets (ROA) | 1.4929% | 1,117 |
| Pretax return on assets | 1.9218% | 838 |
| Return on Equity (ROE) | 16.5500% | 1,161 |
| Retained earnings to average equity (ytd only) | 16.5460% | 420 |
| Net charge-offs to loans | 0.1090% | 731 |
| Credit loss provision to net charge-offs | 187.9310% | 1,161 |
| Earnings coverage of net charge-offs (x) | 33.9483% | 1,530 |
| Efficiency ratio | 62.0617% | 2,708 |
| Assets per employee ($millions) | 3.1622% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6752% | 741 |
| Loan loss allowance to noncurrent loans | 308.5052% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3067% | 1,788 |
| Noncurrent loans to loans | 0.5430% | 1,466 |
| Net loans and leases to total assets | 55.5500% | 3,245 |
| Net loans and leases to deposits | 61.6406% | 3,424 |
| Net loans and leases to core deposits | 62.8690% | 3,584 |
| Total domestic deposits to total assets | 90.1100% | 914 |
| Equity capital to assets | 9.3985% | 2,158 |
| Core capital (leverage) ratio | 11.6868% | 1,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7643% | 503 |
| Memoranda: | ||
| Average total assets | $128,695,750 | 3,576 |
| Average earning assets | $117,546,500 | 3,585 |
| Average equity | $11,611,750 | 3,563 |
| Average total loans | $70,964,500 | 3,541 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1852% | 1,237 |
| Cost of funding earning assets | 0.3688% | 4,215 |
| Net interest margin | 4.8164% | 395 |
| Noninterest income to average assets | 0.9300% | 646 |
| Noninterest expense to average assets | 3.3129% | 682 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.4911% | 1,117 |
| Return on assets (ROA) | 1.4911% | 1,114 |
| Pretax return on assets | 1.9161% | 839 |
| Return on Equity (ROE) | 16.7500% | 1,140 |
| Retained earnings to average equity (ytd only) | 16.7540% | 407 |
| Net charge-offs to loans | 0.1215% | 599 |
| Credit loss provision to net charge-offs | 176.7442% | 1,098 |
| Earnings coverage of net charge-offs (x) | 30.6047% | 1,538 |
| Efficiency ratio | 61.9653% | 2,718 |
| Assets per employee ($millions) | 3.2763% | 4,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 820 |
| Loan loss allowance to noncurrent loans | 402.3891% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 2,038 |
| Noncurrent loans to loans | 0.4122% | 1,695 |
| Net loans and leases to total assets | 54.7100% | 3,217 |
| Net loans and leases to deposits | 60.5397% | 3,390 |
| Net loans and leases to core deposits | 61.4023% | 3,563 |
| Total domestic deposits to total assets | 90.3700% | 819 |
| Equity capital to assets | 9.2828% | 2,326 |
| Core capital (leverage) ratio | 11.3009% | 1,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9925% | 554 |
| Memoranda: | ||
| Average total assets | $129,431,667 | 3,576 |
| Average earning assets | $118,760,000 | 3,583 |
| Average equity | $11,519,667 | 3,589 |
| Average total loans | $70,801,000 | 3,548 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0529% | 1,137 |
| Cost of funding earning assets | 0.3029% | 4,192 |
| Net interest margin | 4.7500% | 411 |
| Noninterest income to average assets | 0.8400% | 789 |
| Noninterest expense to average assets | 3.1905% | 812 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.4740% | 1,232 |
| Return on assets (ROA) | 1.4740% | 1,215 |
| Pretax return on assets | 1.8977% | 913 |
| Return on Equity (ROE) | 16.9200% | 1,186 |
| Retained earnings to average equity (ytd only) | 16.9178% | 600 |
| Net charge-offs to loans | 0.0906% | 628 |
| Credit loss provision to net charge-offs | 268.7500% | 727 |
| Earnings coverage of net charge-offs (x) | 41.3125% | 1,177 |
| Efficiency ratio | 61.1176% | 2,807 |
| Assets per employee ($millions) | 3.2348% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6461% | 917 |
| Loan loss allowance to noncurrent loans | 797.9592% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 2,726 |
| Noncurrent loans to loans | 0.2063% | 2,443 |
| Net loans and leases to total assets | 54.1700% | 3,189 |
| Net loans and leases to deposits | 59.9152% | 3,337 |
| Net loans and leases to core deposits | 60.3928% | 3,523 |
| Total domestic deposits to total assets | 90.4100% | 1,008 |
| Equity capital to assets | 9.0400% | 2,487 |
| Core capital (leverage) ratio | 10.8146% | 1,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6580% | 597 |
| Memoranda: | ||
| Average total assets | $130,260,500 | 3,611 |
| Average earning assets | $120,167,500 | 3,606 |
| Average equity | $11,349,000 | 3,638 |
| Average total loans | $70,661,500 | 3,593 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4002% | 885 |
| Cost of funding earning assets | 0.1898% | 3,838 |
| Net interest margin | 4.2104% | 518 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 2.9716% | 1,008 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1894% | 1,815 |
| Return on assets (ROA) | 1.1894% | 1,753 |
| Pretax return on assets | 1.5312% | 1,359 |
| Return on Equity (ROE) | 13.8900% | 1,559 |
| Retained earnings to average equity (ytd only) | 6.9300% | 2,272 |
| Net charge-offs to loans | 0.0400% | 1,301 |
| Credit loss provision to net charge-offs | 470.3704% | 710 |
| Earnings coverage of net charge-offs (x) | 80.8519% | 1,081 |
| Efficiency ratio | 64.6363% | 2,411 |
| Assets per employee ($millions) | 3.3623% | 4,475 |
| Cash dividends to net income (ytd only)* | 50.0939% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6357% | 909 |
| Loan loss allowance to noncurrent loans | 533.0233% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.1640% | 2,393 |
| Noncurrent loans to loans | 0.3069% | 2,043 |
| Net loans and leases to total assets | 52.5600% | 3,319 |
| Net loans and leases to deposits | 58.0500% | 3,456 |
| Net loans and leases to core deposits | 58.5049% | 3,587 |
| Total domestic deposits to total assets | 90.5400% | 1,133 |
| Equity capital to assets | 8.3894% | 2,778 |
| Core capital (leverage) ratio | 10.1876% | 2,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2532% | 609 |
| Memoranda: | ||
| Average total assets | $134,270,800 | 3,592 |
| Average earning assets | $121,175,600 | 3,606 |
| Average equity | $11,500,800 | 3,718 |
| Average total loans | $67,472,800 | 3,618 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2294% | 839 |
| Cost of funding earning assets | 0.1863% | 3,439 |
| Net interest margin | 4.0431% | 588 |
| Noninterest income to average assets | 0.8000% | 1,027 |
| Noninterest expense to average assets | 2.9715% | 942 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.0287% | 2,370 |
| Return on assets (ROA) | 1.0287% | 2,339 |
| Pretax return on assets | 1.3545% | 1,869 |
| Return on Equity (ROE) | 11.9500% | 2,048 |
| Retained earnings to average equity (ytd only) | 11.9502% | 807 |
| Net charge-offs to loans | 0.0100% | 1,754 |
| Credit loss provision to net charge-offs | 1,880.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 293.2000% | 480 |
| Efficiency ratio | 67.2475% | 2,126 |
| Assets per employee ($millions) | 3.4544% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6376% | 1,000 |
| Loan loss allowance to noncurrent loans | 328.0347% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 1,936 |
| Noncurrent loans to loans | 0.4992% | 1,550 |
| Net loans and leases to total assets | 50.6000% | 3,410 |
| Net loans and leases to deposits | 55.4251% | 3,524 |
| Net loans and leases to core deposits | 55.8433% | 3,636 |
| Total domestic deposits to total assets | 91.3000% | 1,124 |
| Equity capital to assets | 8.1567% | 2,789 |
| Core capital (leverage) ratio | 10.1566% | 2,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6741% | 587 |
| Memoranda: | ||
| Average total assets | $135,056,000 | 3,607 |
| Average earning assets | $120,959,000 | 3,633 |
| Average equity | $11,625,750 | 3,752 |
| Average total loans | $66,825,250 | 3,650 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0052% | 932 |
| Cost of funding earning assets | 0.1904% | 3,042 |
| Net interest margin | 3.8148% | 729 |
| Noninterest income to average assets | 0.7857% | 1,082 |
| Noninterest expense to average assets | 2.9711% | 880 |
| Loan and lease loss provision to assets | 0.0459% | 1,749 |
| Net operating income to assets | 0.8789% | 2,672 |
| Return on assets (ROA) | 0.8789% | 2,650 |
| Pretax return on assets | 1.1778% | 2,140 |
| Return on Equity (ROE) | 10.0355% | 2,324 |
| Retained earnings to average equity (ytd only) | 10.0355% | 1,007 |
| Net charge-offs to loans | 0.0030% | 1,959 |
| Credit loss provision to net charge-offs | 3,100.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 827.0000% | 164 |
| Efficiency ratio | 70.8289% | 1,847 |
| Assets per employee ($millions) | 3.4118% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6441% | 1,059 |
| Loan loss allowance to noncurrent loans | 1,195.5556% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 3,316 |
| Noncurrent loans to loans | 0.1375% | 3,018 |
| Net loans and leases to total assets | 47.1671% | 3,617 |
| Net loans and leases to deposits | 51.6398% | 3,716 |
| Net loans and leases to core deposits | 51.9193% | 3,825 |
| Total domestic deposits to total assets | 91.3388% | 1,088 |
| Equity capital to assets | 8.1498% | 3,008 |
| Core capital (leverage) ratio | 9.7035% | 2,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1205% | 526 |
| Memoranda: | ||
| Average total assets | $135,167,000 | 3,647 |
| Average earning assets | $120,792,667 | 3,691 |
| Average equity | $11,838,000 | 3,797 |
| Average total loans | $65,997,333 | 3,694 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9075% | 914 |
| Cost of funding earning assets | 0.1982% | 2,825 |
| Net interest margin | 3.7093% | 738 |
| Noninterest income to average assets | 0.8118% | 1,017 |
| Noninterest expense to average assets | 2.8696% | 1,017 |
| Loan and lease loss provision to assets | 0.0238% | 1,931 |
| Net operating income to assets | 0.9218% | 2,196 |
| Return on assets (ROA) | 0.9218% | 2,188 |
| Pretax return on assets | 1.2013% | 1,811 |
| Return on Equity (ROE) | 10.1673% | 1,902 |
| Retained earnings to average equity (ytd only) | 10.1673% | 984 |
| Net charge-offs to loans | -0.0060% | 3,403 |
| Credit loss provision to net charge-offs | -800.0000% | 3,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0799% | 2,217 |
| Assets per employee ($millions) | 3.3356% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6050% | 1,256 |
| Loan loss allowance to noncurrent loans | 676.2821% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 3,011 |
| Noncurrent loans to loans | 0.2373% | 2,643 |
| Net loans and leases to total assets | 47.2938% | 3,461 |
| Net loans and leases to deposits | 52.0920% | 3,562 |
| Net loans and leases to core deposits | 52.3729% | 3,705 |
| Total domestic deposits to total assets | 90.7890% | 1,140 |
| Equity capital to assets | 8.6436% | 3,028 |
| Core capital (leverage) ratio | 9.6945% | 2,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0745% | 553 |
| Memoranda: | ||
| Average total assets | $134,515,500 | 3,672 |
| Average earning assets | $119,052,000 | 3,725 |
| Average equity | $12,196,000 | 3,842 |
| Average total loans | $66,273,500 | 3,695 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4559% | 641 |
| Cost of funding earning assets | 0.2809% | 2,593 |
| Net interest margin | 4.1750% | 511 |
| Noninterest income to average assets | 0.9177% | 1,159 |
| Noninterest expense to average assets | 2.9931% | 993 |
| Loan and lease loss provision to assets | 0.0654% | 1,754 |
| Net operating income to assets | 1.1475% | 2,120 |
| Return on assets (ROA) | 1.1194% | 2,276 |
| Pretax return on assets | 1.4032% | 2,043 |
| Return on Equity (ROE) | 11.1395% | 2,113 |
| Retained earnings to average equity (ytd only) | 5.9823% | 2,368 |
| Net charge-offs to loans | 0.0839% | 965 |
| Credit loss provision to net charge-offs | 151.8519% | 1,484 |
| Earnings coverage of net charge-offs (x) | 34.9259% | 1,509 |
| Efficiency ratio | 66.5603% | 2,182 |
| Assets per employee ($millions) | 3.3916% | 4,614 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5656% | 1,346 |
| Loan loss allowance to noncurrent loans | 792.4242% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 3,242 |
| Noncurrent loans to loans | 0.1976% | 2,959 |
| Net loans and leases to total assets | 49.7214% | 3,319 |
| Net loans and leases to deposits | 55.6197% | 3,453 |
| Net loans and leases to core deposits | 56.0951% | 3,609 |
| Total domestic deposits to total assets | 89.3953% | 1,300 |
| Equity capital to assets | 9.5040% | 3,144 |
| Core capital (leverage) ratio | 9.6273% | 2,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2970% | 619 |
| Memoranda: | ||
| Average total assets | $125,423,400 | 3,741 |
| Average earning assets | $107,520,600 | 3,832 |
| Average equity | $12,603,800 | 3,868 |
| Average total loans | $64,357,600 | 3,757 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4460% | 748 |
| Cost of funding earning assets | 0.2911% | 2,678 |
| Net interest margin | 4.1550% | 593 |
| Noninterest income to average assets | 1.0422% | 995 |
| Noninterest expense to average assets | 3.1352% | 779 |
| Loan and lease loss provision to assets | 0.0687% | 1,633 |
| Net operating income to assets | 1.1093% | 2,519 |
| Return on assets (ROA) | 1.0821% | 2,679 |
| Pretax return on assets | 1.3881% | 2,385 |
| Return on Equity (ROE) | 10.6140% | 2,515 |
| Retained earnings to average equity (ytd only) | 10.6140% | 1,144 |
| Net charge-offs to loans | 0.0711% | 936 |
| Credit loss provision to net charge-offs | 188.2353% | 1,238 |
| Earnings coverage of net charge-offs (x) | 40.7059% | 1,358 |
| Efficiency ratio | 67.7615% | 1,866 |
| Assets per employee ($millions) | 3.2375% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 1,396 |
| Loan loss allowance to noncurrent loans | 589.3258% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 3,199 |
| Noncurrent loans to loans | 0.2679% | 2,850 |
| Net loans and leases to total assets | 50.5027% | 3,350 |
| Net loans and leases to deposits | 56.6100% | 3,526 |
| Net loans and leases to core deposits | 57.2357% | 3,681 |
| Total domestic deposits to total assets | 89.2116% | 1,168 |
| Equity capital to assets | 10.0795% | 2,822 |
| Core capital (leverage) ratio | 9.9839% | 2,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3840% | 654 |
| Memoranda: | ||
| Average total assets | $123,711,500 | 3,797 |
| Average earning assets | $106,729,250 | 3,885 |
| Average equity | $12,612,000 | 3,922 |
| Average total loans | $63,743,750 | 3,820 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4180% | 835 |
| Cost of funding earning assets | 0.3063% | 2,726 |
| Net interest margin | 4.1117% | 677 |
| Noninterest income to average assets | 1.1693% | 838 |
| Noninterest expense to average assets | 3.2369% | 677 |
| Loan and lease loss provision to assets | 0.0673% | 1,704 |
| Net operating income to assets | 1.1390% | 2,405 |
| Return on assets (ROA) | 1.1053% | 2,592 |
| Pretax return on assets | 1.3943% | 2,359 |
| Return on Equity (ROE) | 10.7982% | 2,499 |
| Retained earnings to average equity (ytd only) | 10.7982% | 1,175 |
| Net charge-offs to loans | 0.1050% | 720 |
| Credit loss provision to net charge-offs | 124.2424% | 1,242 |
| Earnings coverage of net charge-offs (x) | 27.7576% | 1,354 |
| Efficiency ratio | 68.2716% | 1,848 |
| Assets per employee ($millions) | 3.1458% | 4,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5933% | 1,289 |
| Loan loss allowance to noncurrent loans | 376.1905% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 2,848 |
| Noncurrent loans to loans | 0.4235% | 2,414 |
| Net loans and leases to total assets | 50.4097% | 3,518 |
| Net loans and leases to deposits | 56.5434% | 3,678 |
| Net loans and leases to core deposits | 57.1894% | 3,818 |
| Total domestic deposits to total assets | 89.1521% | 1,200 |
| Equity capital to assets | 10.1390% | 2,731 |
| Core capital (leverage) ratio | 10.0218% | 2,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2847% | 667 |
| Memoranda: | ||
| Average total assets | $121,782,000 | 3,836 |
| Average earning assets | $105,794,667 | 3,915 |
| Average equity | $12,465,000 | 3,947 |
| Average total loans | $62,841,667 | 3,851 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4804% | 800 |
| Cost of funding earning assets | 0.3357% | 2,660 |
| Net interest margin | 4.1446% | 672 |
| Noninterest income to average assets | 1.4229% | 660 |
| Noninterest expense to average assets | 3.3033% | 605 |
| Loan and lease loss provision to assets | 0.0768% | 1,656 |
| Net operating income to assets | 1.2893% | 1,861 |
| Return on assets (ROA) | 1.2392% | 2,097 |
| Pretax return on assets | 1.5665% | 1,817 |
| Return on Equity (ROE) | 12.0469% | 1,996 |
| Retained earnings to average equity (ytd only) | 12.0469% | 1,134 |
| Net charge-offs to loans | 0.1870% | 430 |
| Credit loss provision to net charge-offs | 79.3103% | 1,212 |
| Earnings coverage of net charge-offs (x) | 17.6207% | 1,294 |
| Efficiency ratio | 65.9333% | 2,242 |
| Assets per employee ($millions) | 3.2571% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 1,171 |
| Loan loss allowance to noncurrent loans | 374.8148% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 3,055 |
| Noncurrent loans to loans | 0.4397% | 2,539 |
| Net loans and leases to total assets | 48.7901% | 3,734 |
| Net loans and leases to deposits | 54.6647% | 3,894 |
| Net loans and leases to core deposits | 55.0434% | 4,042 |
| Total domestic deposits to total assets | 89.2534% | 1,199 |
| Equity capital to assets | 10.0114% | 2,696 |
| Core capital (leverage) ratio | 10.3602% | 2,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2719% | 647 |
| Memoranda: | ||
| Average total assets | $119,757,500 | 3,865 |
| Average earning assets | $103,652,500 | 3,943 |
| Average equity | $12,318,500 | 3,965 |
| Average total loans | $62,033,500 | 3,881 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9424% | 551 |
| Cost of funding earning assets | 0.5367% | 2,705 |
| Net interest margin | 4.4057% | 401 |
| Noninterest income to average assets | 0.8504% | 1,394 |
| Noninterest expense to average assets | 3.5639% | 633 |
| Loan and lease loss provision to assets | 0.1021% | 3,052 |
| Net operating income to assets | 0.8923% | 2,730 |
| Return on assets (ROA) | 0.8996% | 2,828 |
| Pretax return on assets | 1.1138% | 2,637 |
| Return on Equity (ROE) | 8.2049% | 2,735 |
| Retained earnings to average equity (ytd only) | 4.4641% | 2,555 |
| Net charge-offs to loans | 0.0565% | 1,969 |
| Credit loss provision to net charge-offs | 320.0000% | 1,668 |
| Earnings coverage of net charge-offs (x) | 37.8286% | 1,429 |
| Efficiency ratio | 74.7039% | 1,365 |
| Assets per employee ($millions) | 2.9678% | 4,815 |
| Cash dividends to net income (ytd only)* | 45.5927% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6244% | 1,230 |
| Loan loss allowance to noncurrent loans | 187.1324% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.5270% | 1,971 |
| Noncurrent loans to loans | 0.8681% | 1,628 |
| Net loans and leases to total assets | 53.2632% | 3,550 |
| Net loans and leases to deposits | 60.3731% | 3,726 |
| Net loans and leases to core deposits | 60.8144% | 3,898 |
| Total domestic deposits to total assets | 88.2234% | 1,363 |
| Equity capital to assets | 10.5801% | 2,604 |
| Core capital (leverage) ratio | 10.5170% | 2,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0404% | 657 |
| Memoranda: | ||
| Average total assets | $109,711,400 | 3,884 |
| Average earning assets | $97,624,600 | 3,917 |
| Average equity | $12,029,400 | 3,975 |
| Average total loans | $61,973,600 | 3,885 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9410% | 679 |
| Cost of funding earning assets | 0.5664% | 2,834 |
| Net interest margin | 4.3745% | 494 |
| Noninterest income to average assets | 0.8034% | 1,484 |
| Noninterest expense to average assets | 3.6264% | 596 |
| Loan and lease loss provision to assets | 0.0601% | 3,588 |
| Net operating income to assets | 0.7919% | 3,122 |
| Return on assets (ROA) | 0.7997% | 3,213 |
| Pretax return on assets | 1.0757% | 2,825 |
| Return on Equity (ROE) | 7.2258% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.2258% | 1,606 |
| Net charge-offs to loans | 0.0669% | 1,655 |
| Credit loss provision to net charge-offs | 158.0645% | 2,281 |
| Earnings coverage of net charge-offs (x) | 29.4839% | 1,600 |
| Efficiency ratio | 76.3028% | 1,185 |
| Assets per employee ($millions) | 2.6365% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5658% | 1,192 |
| Loan loss allowance to noncurrent loans | 278.7791% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 2,668 |
| Noncurrent loans to loans | 0.5617% | 2,391 |
| Net loans and leases to total assets | 54.4436% | 3,763 |
| Net loans and leases to deposits | 61.9574% | 3,935 |
| Net loans and leases to core deposits | 62.4315% | 4,083 |
| Total domestic deposits to total assets | 87.8726% | 1,276 |
| Equity capital to assets | 11.1954% | 2,234 |
| Core capital (leverage) ratio | 10.7197% | 2,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9952% | 584 |
| Memoranda: | ||
| Average total assets | $108,202,750 | 3,899 |
| Average earning assets | $97,684,500 | 3,919 |
| Average equity | $11,975,250 | 3,983 |
| Average total loans | $61,800,000 | 3,903 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9884% | 839 |
| Cost of funding earning assets | 0.5953% | 2,991 |
| Net interest margin | 4.3930% | 630 |
| Noninterest income to average assets | 0.7731% | 1,511 |
| Noninterest expense to average assets | 3.6308% | 624 |
| Loan and lease loss provision to assets | 0.0577% | 3,580 |
| Net operating income to assets | 0.8295% | 2,942 |
| Return on assets (ROA) | 0.8383% | 3,023 |
| Pretax return on assets | 1.0823% | 2,767 |
| Return on Equity (ROE) | 7.6048% | 2,895 |
| Retained earnings to average equity (ytd only) | 7.6048% | 1,431 |
| Net charge-offs to loans | 0.0323% | 2,084 |
| Credit loss provision to net charge-offs | 310.0000% | 1,593 |
| Earnings coverage of net charge-offs (x) | 60.6000% | 961 |
| Efficiency ratio | 76.2818% | 1,235 |
| Assets per employee ($millions) | 2.6147% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 1,112 |
| Loan loss allowance to noncurrent loans | 311.3269% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 2,562 |
| Noncurrent loans to loans | 0.4995% | 2,655 |
| Net loans and leases to total assets | 54.1661% | 3,861 |
| Net loans and leases to deposits | 61.3234% | 4,050 |
| Net loans and leases to core deposits | 62.5889% | 4,150 |
| Total domestic deposits to total assets | 88.3287% | 1,030 |
| Equity capital to assets | 10.8272% | 2,481 |
| Core capital (leverage) ratio | 10.8905% | 2,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3714% | 641 |
| Memoranda: | ||
| Average total assets | $107,359,333 | 3,901 |
| Average earning assets | $97,427,000 | 3,917 |
| Average equity | $11,834,667 | 4,006 |
| Average total loans | $61,984,667 | 3,907 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1711% | 696 |
| Cost of funding earning assets | 0.6285% | 3,284 |
| Net interest margin | 4.5427% | 453 |
| Noninterest income to average assets | 0.9387% | 980 |
| Noninterest expense to average assets | 3.6595% | 735 |
| Loan and lease loss provision to assets | 0.0496% | 3,157 |
| Net operating income to assets | 0.9646% | 2,300 |
| Return on assets (ROA) | 0.9616% | 2,415 |
| Pretax return on assets | 1.3356% | 1,763 |
| Return on Equity (ROE) | 8.6409% | 2,265 |
| Retained earnings to average equity (ytd only) | 8.6409% | 1,074 |
| Net charge-offs to loans | 0.0580% | 1,429 |
| Credit loss provision to net charge-offs | 144.4444% | 1,604 |
| Earnings coverage of net charge-offs (x) | 40.4444% | 1,021 |
| Efficiency ratio | 72.4868% | 2,004 |
| Assets per employee ($millions) | 2.4295% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 1,242 |
| Loan loss allowance to noncurrent loans | 245.0777% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.4891% | 2,530 |
| Noncurrent loans to loans | 0.6247% | 2,429 |
| Net loans and leases to total assets | 58.2389% | 3,654 |
| Net loans and leases to deposits | 66.4987% | 3,835 |
| Net loans and leases to core deposits | 67.9841% | 3,991 |
| Total domestic deposits to total assets | 87.5790% | 1,287 |
| Equity capital to assets | 11.3977% | 2,527 |
| Core capital (leverage) ratio | 11.1749% | 2,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5558% | 690 |
| Memoranda: | ||
| Average total assets | $104,824,000 | 3,916 |
| Average earning assets | $94,834,500 | 3,949 |
| Average equity | $11,665,500 | 4,040 |
| Average total loans | $62,046,500 | 3,926 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2943% | 829 |
| Cost of funding earning assets | 0.6345% | 3,491 |
| Net interest margin | 4.6598% | 512 |
| Noninterest income to average assets | 0.9280% | 1,123 |
| Noninterest expense to average assets | 3.5864% | 863 |
| Loan and lease loss provision to assets | 0.0117% | 3,779 |
| Net operating income to assets | 1.1949% | 2,079 |
| Return on assets (ROA) | 1.1903% | 2,191 |
| Pretax return on assets | 1.5266% | 1,725 |
| Return on Equity (ROE) | 10.6061% | 2,046 |
| Retained earnings to average equity (ytd only) | 1.9197% | 4,036 |
| Net charge-offs to loans | 0.1621% | 1,237 |
| Credit loss provision to net charge-offs | 11.8812% | 3,348 |
| Earnings coverage of net charge-offs (x) | 15.6832% | 2,216 |
| Efficiency ratio | 69.9031% | 2,183 |
| Assets per employee ($millions) | 2.4460% | 5,012 |
| Cash dividends to net income (ytd only)* | 81.9001% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 1,195 |
| Loan loss allowance to noncurrent loans | 465.8416% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 3,161 |
| Noncurrent loans to loans | 0.3242% | 3,277 |
| Net loans and leases to total assets | 58.3428% | 3,742 |
| Net loans and leases to deposits | 66.8857% | 3,902 |
| Net loans and leases to core deposits | 68.5635% | 4,049 |
| Total domestic deposits to total assets | 87.2276% | 1,500 |
| Equity capital to assets | 10.8614% | 3,125 |
| Core capital (leverage) ratio | 10.7627% | 2,707 |
| Tier 1 risk-based capital ratio | 19.6605% | 1,380 |
| Total risk-based capital ratio | 20.9151% | 1,351 |
| Memoranda: | ||
| Average total assets | $102,583,000 | 3,961 |
| Average earning assets | $92,515,200 | 4,005 |
| Average equity | $11,512,200 | 4,053 |
| Average total loans | $62,318,600 | 3,941 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2931% | 879 |
| Cost of funding earning assets | 0.6228% | 3,567 |
| Net interest margin | 4.6703% | 523 |
| Noninterest income to average assets | 0.8908% | 1,162 |
| Noninterest expense to average assets | 3.5094% | 933 |
| Loan and lease loss provision to assets | 0.0118% | 3,659 |
| Net operating income to assets | 1.1913% | 2,229 |
| Return on assets (ROA) | 1.1851% | 2,327 |
| Pretax return on assets | 1.5696% | 1,738 |
| Return on Equity (ROE) | 10.4729% | 2,228 |
| Retained earnings to average equity (ytd only) | 10.4729% | 633 |
| Net charge-offs to loans | 0.1433% | 1,135 |
| Credit loss provision to net charge-offs | 13.4328% | 2,992 |
| Earnings coverage of net charge-offs (x) | 18.1346% | 2,064 |
| Efficiency ratio | 68.8302% | 2,282 |
| Assets per employee ($millions) | 2.5243% | 5,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 1,186 |
| Loan loss allowance to noncurrent loans | 315.5844% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 3,390 |
| Noncurrent loans to loans | 0.4826% | 2,850 |
| Net loans and leases to total assets | 59.2799% | 3,743 |
| Net loans and leases to deposits | 67.7074% | 3,942 |
| Net loans and leases to core deposits | 69.3886% | 4,085 |
| Total domestic deposits to total assets | 87.5532% | 1,236 |
| Equity capital to assets | 11.4385% | 2,706 |
| Core capital (leverage) ratio | 11.9908% | 1,859 |
| Tier 1 risk-based capital ratio | 20.4841% | 1,291 |
| Total risk-based capital ratio | 21.7393% | 1,253 |
| Memoranda: | ||
| Average total assets | $101,933,750 | 4,011 |
| Average earning assets | $91,840,000 | 4,060 |
| Average equity | $11,534,250 | 4,091 |
| Average total loans | $62,321,750 | 3,986 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2914% | 827 |
| Cost of funding earning assets | 0.6105% | 3,594 |
| Net interest margin | 4.6808% | 512 |
| Noninterest income to average assets | 0.8869% | 1,103 |
| Noninterest expense to average assets | 3.5298% | 924 |
| Loan and lease loss provision to assets | 0.0119% | 3,520 |
| Net operating income to assets | 1.1435% | 2,354 |
| Return on assets (ROA) | 1.1435% | 2,431 |
| Pretax return on assets | 1.5531% | 1,686 |
| Return on Equity (ROE) | 10.1441% | 2,324 |
| Retained earnings to average equity (ytd only) | 10.1441% | 715 |
| Net charge-offs to loans | 0.1488% | 1,048 |
| Credit loss provision to net charge-offs | 13.0435% | 2,685 |
| Earnings coverage of net charge-offs (x) | 17.1087% | 1,904 |
| Efficiency ratio | 69.2818% | 2,333 |
| Assets per employee ($millions) | 2.4065% | 5,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 1,068 |
| Loan loss allowance to noncurrent loans | 216.1572% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 2,684 |
| Noncurrent loans to loans | 0.7318% | 2,158 |
| Net loans and leases to total assets | 60.9417% | 3,657 |
| Net loans and leases to deposits | 69.8459% | 3,855 |
| Net loans and leases to core deposits | 70.6429% | 4,080 |
| Total domestic deposits to total assets | 87.2517% | 1,460 |
| Equity capital to assets | 11.7134% | 2,426 |
| Core capital (leverage) ratio | 11.6362% | 2,070 |
| Tier 1 risk-based capital ratio | 20.6250% | 1,229 |
| Total risk-based capital ratio | 21.8805% | 1,200 |
| Memoranda: | ||
| Average total assets | $100,572,000 | 4,061 |
| Average earning assets | $90,411,000 | 4,108 |
| Average equity | $11,336,670 | 4,123 |
| Average total loans | $61,822,330 | 4,010 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2238% | 866 |
| Cost of funding earning assets | 0.5784% | 3,683 |
| Net interest margin | 4.6453% | 555 |
| Noninterest income to average assets | 0.9210% | 993 |
| Noninterest expense to average assets | 3.6203% | 826 |
| Loan and lease loss provision to assets | 0.0120% | 3,280 |
| Net operating income to assets | 1.0606% | 2,618 |
| Return on assets (ROA) | 1.0606% | 2,667 |
| Pretax return on assets | 1.4513% | 1,916 |
| Return on Equity (ROE) | 9.5981% | 2,550 |
| Retained earnings to average equity (ytd only) | 9.5981% | 1,139 |
| Net charge-offs to loans | 0.2539% | 570 |
| Credit loss provision to net charge-offs | 7.6923% | 2,185 |
| Earnings coverage of net charge-offs (x) | 9.4103% | 2,032 |
| Efficiency ratio | 71.2157% | 2,156 |
| Assets per employee ($millions) | 2.4519% | 5,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6181% | 1,029 |
| Loan loss allowance to noncurrent loans | 234.3529% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 2,911 |
| Noncurrent loans to loans | 0.6905% | 2,294 |
| Net loans and leases to total assets | 58.8056% | 3,804 |
| Net loans and leases to deposits | 66.7836% | 3,998 |
| Net loans and leases to core deposits | 67.7875% | 4,191 |
| Total domestic deposits to total assets | 88.0540% | 1,311 |
| Equity capital to assets | 10.9575% | 2,899 |
| Core capital (leverage) ratio | 11.4993% | 2,133 |
| Tier 1 risk-based capital ratio | 20.1556% | 1,314 |
| Total risk-based capital ratio | 21.4121% | 1,278 |
| Memoranda: | ||
| Average total assets | $100,322,000 | 4,105 |
| Average earning assets | $89,896,500 | 4,148 |
| Average equity | $11,085,500 | 4,179 |
| Average total loans | $61,441,000 | 4,061 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4433% | 447 |
| Cost of funding earning assets | 0.4944% | 3,394 |
| Net interest margin | 4.9489% | 295 |
| Noninterest income to average assets | 0.9140% | 1,146 |
| Noninterest expense to average assets | 3.6450% | 827 |
| Loan and lease loss provision to assets | 0.1034% | 2,127 |
| Net operating income to assets | 1.2241% | 2,068 |
| Return on assets (ROA) | 1.2241% | 2,061 |
| Pretax return on assets | 1.5575% | 1,598 |
| Return on Equity (ROE) | 10.9850% | 2,086 |
| Retained earnings to average equity (ytd only) | 1.8915% | 4,393 |
| Net charge-offs to loans | 0.1726% | 1,118 |
| Credit loss provision to net charge-offs | 94.4444% | 2,652 |
| Earnings coverage of net charge-offs (x) | 15.1759% | 2,343 |
| Efficiency ratio | 68.6975% | 2,433 |
| Assets per employee ($millions) | 2.2713% | 5,270 |
| Cash dividends to net income (ytd only)* | 82.7815% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6811% | 865 |
| Loan loss allowance to noncurrent loans | 263.0102% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 2,883 |
| Noncurrent loans to loans | 0.6392% | 2,386 |
| Net loans and leases to total assets | 61.7392% | 3,595 |
| Net loans and leases to deposits | 71.0714% | 3,746 |
| Net loans and leases to core deposits | 72.4288% | 3,961 |
| Total domestic deposits to total assets | 86.8693% | 1,842 |
| Equity capital to assets | 11.1474% | 2,555 |
| Core capital (leverage) ratio | 11.3735% | 2,200 |
| Tier 1 risk-based capital ratio | 20.3363% | 1,250 |
| Total risk-based capital ratio | 21.5924% | 1,226 |
| Memoranda: | ||
| Average total assets | $98,682,200 | 4,118 |
| Average earning assets | $87,575,400 | 4,196 |
| Average equity | $10,996,800 | 4,157 |
| Average total loans | $62,561,000 | 4,035 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4387% | 411 |
| Cost of funding earning assets | 0.4789% | 3,338 |
| Net interest margin | 4.9597% | 278 |
| Noninterest income to average assets | 0.9150% | 1,155 |
| Noninterest expense to average assets | 3.7316% | 728 |
| Loan and lease loss provision to assets | 0.1199% | 1,688 |
| Net operating income to assets | 1.0633% | 2,813 |
| Return on assets (ROA) | 1.0633% | 2,827 |
| Pretax return on assets | 1.4595% | 2,031 |
| Return on Equity (ROE) | 9.5423% | 2,823 |
| Retained earnings to average equity (ytd only) | 9.5423% | 1,039 |
| Net charge-offs to loans | 0.1485% | 1,112 |
| Credit loss provision to net charge-offs | 127.1429% | 1,923 |
| Earnings coverage of net charge-offs (x) | 16.7431% | 2,149 |
| Efficiency ratio | 70.2614% | 2,153 |
| Assets per employee ($millions) | 2.2977% | 5,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7058% | 854 |
| Loan loss allowance to noncurrent loans | 269.8210% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 3,071 |
| Noncurrent loans to loans | 0.6322% | 2,504 |
| Net loans and leases to total assets | 61.5318% | 3,694 |
| Net loans and leases to deposits | 70.3032% | 3,894 |
| Net loans and leases to core deposits | 71.6192% | 4,099 |
| Total domestic deposits to total assets | 87.5234% | 1,475 |
| Equity capital to assets | 11.4240% | 2,316 |
| Core capital (leverage) ratio | 11.8862% | 1,850 |
| Tier 1 risk-based capital ratio | 21.0303% | 1,180 |
| Total risk-based capital ratio | 22.2848% | 1,159 |
| Memoranda: | ||
| Average total assets | $98,936,750 | 4,160 |
| Average earning assets | $87,690,500 | 4,232 |
| Average equity | $11,024,250 | 4,192 |
| Average total loans | $62,869,250 | 4,071 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4014% | 387 |
| Cost of funding earning assets | 0.4585% | 3,295 |
| Net interest margin | 4.9429% | 269 |
| Noninterest income to average assets | 0.9396% | 1,079 |
| Noninterest expense to average assets | 3.7138% | 741 |
| Loan and lease loss provision to assets | 0.1334% | 1,479 |
| Net operating income to assets | 1.0951% | 2,602 |
| Return on assets (ROA) | 1.0951% | 2,609 |
| Pretax return on assets | 1.4710% | 1,922 |
| Return on Equity (ROE) | 9.9116% | 2,602 |
| Retained earnings to average equity (ytd only) | 9.9116% | 950 |
| Net charge-offs to loans | 0.1107% | 1,268 |
| Credit loss provision to net charge-offs | 188.5714% | 1,353 |
| Earnings coverage of net charge-offs (x) | 22.6857% | 1,737 |
| Efficiency ratio | 69.8328% | 2,344 |
| Assets per employee ($millions) | 2.3066% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7109% | 891 |
| Loan loss allowance to noncurrent loans | 321.3855% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 3,188 |
| Noncurrent loans to loans | 0.5324% | 2,824 |
| Net loans and leases to total assets | 61.8019% | 3,629 |
| Net loans and leases to deposits | 70.4029% | 3,823 |
| Net loans and leases to core deposits | 71.7234% | 4,027 |
| Total domestic deposits to total assets | 87.7832% | 1,481 |
| Equity capital to assets | 11.2227% | 2,434 |
| Core capital (leverage) ratio | 11.6139% | 1,974 |
| Tier 1 risk-based capital ratio | 20.5438% | 1,239 |
| Total risk-based capital ratio | 21.7991% | 1,210 |
| Memoranda: | ||
| Average total assets | $98,982,000 | 4,192 |
| Average earning assets | $87,680,670 | 4,262 |
| Average equity | $10,936,670 | 4,238 |
| Average total loans | $63,209,330 | 4,095 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3442% | 371 |
| Cost of funding earning assets | 0.4149% | 3,484 |
| Net interest margin | 4.9292% | 261 |
| Noninterest income to average assets | 0.9385% | 1,052 |
| Noninterest expense to average assets | 3.8147% | 660 |
| Loan and lease loss provision to assets | 0.1335% | 1,412 |
| Net operating income to assets | 0.9264% | 3,175 |
| Return on assets (ROA) | 0.9264% | 3,195 |
| Pretax return on assets | 1.3632% | 2,135 |
| Return on Equity (ROE) | 8.4506% | 3,166 |
| Retained earnings to average equity (ytd only) | 8.4506% | 1,673 |
| Net charge-offs to loans | 0.1383% | 983 |
| Credit loss provision to net charge-offs | 150.0000% | 1,229 |
| Earnings coverage of net charge-offs (x) | 16.8182% | 1,605 |
| Efficiency ratio | 71.8203% | 2,215 |
| Assets per employee ($millions) | 2.3413% | 5,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6481% | 1,057 |
| Loan loss allowance to noncurrent loans | 260.4478% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 3,032 |
| Noncurrent loans to loans | 0.6328% | 2,648 |
| Net loans and leases to total assets | 62.0611% | 3,539 |
| Net loans and leases to deposits | 70.3707% | 3,754 |
| Net loans and leases to core deposits | 71.6637% | 3,992 |
| Total domestic deposits to total assets | 88.1917% | 1,511 |
| Equity capital to assets | 10.8051% | 2,766 |
| Core capital (leverage) ratio | 11.4734% | 2,031 |
| Tier 1 risk-based capital ratio | 19.6787% | 1,398 |
| Total risk-based capital ratio | 20.9358% | 1,366 |
| Memoranda: | ||
| Average total assets | $98,881,500 | 4,240 |
| Average earning assets | $87,722,000 | 4,309 |
| Average equity | $10,839,500 | 4,300 |
| Average total loans | $63,632,000 | 4,112 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4104% | 305 |
| Cost of funding earning assets | 0.3862% | 3,376 |
| Net interest margin | 5.0242% | 227 |
| Noninterest income to average assets | 0.8303% | 1,464 |
| Noninterest expense to average assets | 3.4614% | 1,103 |
| Loan and lease loss provision to assets | 0.1521% | 1,483 |
| Net operating income to assets | 0.9437% | 2,475 |
| Return on assets (ROA) | 0.9444% | 2,504 |
| Pretax return on assets | 1.6687% | 1,099 |
| Return on Equity (ROE) | 8.2823% | 2,657 |
| Retained earnings to average equity (ytd only) | -2.2460% | 5,304 |
| Net charge-offs to loans | 0.1289% | 1,756 |
| Credit loss provision to net charge-offs | 183.1325% | 1,481 |
| Earnings coverage of net charge-offs (x) | 21.9157% | 1,872 |
| Efficiency ratio | 65.5427% | 3,334 |
| Assets per employee ($millions) | 2.2579% | 5,525 |
| Cash dividends to net income (ytd only)* | 127.1186% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6254% | 1,084 |
| Loan loss allowance to noncurrent loans | 314.8936% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 3,277 |
| Noncurrent loans to loans | 0.5162% | 2,970 |
| Net loans and leases to total assets | 64.5816% | 3,285 |
| Net loans and leases to deposits | 74.4951% | 3,475 |
| Net loans and leases to core deposits | 76.1720% | 3,729 |
| Total domestic deposits to total assets | 86.6925% | 2,153 |
| Equity capital to assets | 11.1250% | 2,514 |
| Core capital (leverage) ratio | 10.8547% | 2,469 |
| Tier 1 risk-based capital ratio | 18.6293% | 1,611 |
| Total risk-based capital ratio | 19.8867% | 1,559 |
| Memoranda: | ||
| Average total assets | $99,959,400 | 4,235 |
| Average earning assets | $88,551,000 | 4,322 |
| Average equity | $11,397,800 | 4,238 |
| Average total loans | $64,380,400 | 4,093 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4026% | 298 |
| Cost of funding earning assets | 0.3817% | 3,362 |
| Net interest margin | 5.0209% | 222 |
| Noninterest income to average assets | 0.8330% | 1,466 |
| Noninterest expense to average assets | 3.4644% | 1,045 |
| Loan and lease loss provision to assets | 0.1311% | 1,655 |
| Net operating income to assets | 1.1010% | 2,089 |
| Return on assets (ROA) | 1.1018% | 2,134 |
| Pretax return on assets | 1.6634% | 1,206 |
| Return on Equity (ROE) | 9.6069% | 2,302 |
| Retained earnings to average equity (ytd only) | 9.6069% | 680 |
| Net charge-offs to loans | 0.1219% | 1,574 |
| Credit loss provision to net charge-offs | 167.7966% | 1,545 |
| Earnings coverage of net charge-offs (x) | 22.9505% | 1,837 |
| Efficiency ratio | 65.8942% | 3,230 |
| Assets per employee ($millions) | 2.2883% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 1,350 |
| Loan loss allowance to noncurrent loans | 195.5340% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.6138% | 2,671 |
| Noncurrent loans to loans | 0.7949% | 2,372 |
| Net loans and leases to total assets | 64.8174% | 3,279 |
| Net loans and leases to deposits | 74.6940% | 3,499 |
| Net loans and leases to core deposits | 76.3665% | 3,779 |
| Total domestic deposits to total assets | 86.7772% | 1,965 |
| Equity capital to assets | 12.1954% | 1,838 |
| Core capital (leverage) ratio | 12.0301% | 1,666 |
| Tier 1 risk-based capital ratio | 20.6586% | 1,254 |
| Total risk-based capital ratio | 21.9154% | 1,221 |
| Memoranda: | ||
| Average total assets | $100,677,250 | 4,268 |
| Average earning assets | $88,721,000 | 4,356 |
| Average equity | $11,547,000 | 4,259 |
| Average total loans | $64,541,250 | 4,112 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3788% | 286 |
| Cost of funding earning assets | 0.3805% | 3,284 |
| Net interest margin | 4.9983% | 219 |
| Noninterest income to average assets | 0.8182% | 1,507 |
| Noninterest expense to average assets | 3.4051% | 1,154 |
| Loan and lease loss provision to assets | 0.1301% | 1,599 |
| Net operating income to assets | 1.1127% | 1,913 |
| Return on assets (ROA) | 1.1061% | 1,992 |
| Pretax return on assets | 1.6503% | 1,194 |
| Return on Equity (ROE) | 9.8456% | 2,105 |
| Retained earnings to average equity (ytd only) | 9.8456% | 616 |
| Net charge-offs to loans | 0.1303% | 1,378 |
| Credit loss provision to net charge-offs | 157.1429% | 1,486 |
| Earnings coverage of net charge-offs (x) | 21.6190% | 1,742 |
| Efficiency ratio | 65.5408% | 3,425 |
| Assets per employee ($millions) | 2.3659% | 5,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 1,453 |
| Loan loss allowance to noncurrent loans | 189.1221% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.6094% | 2,736 |
| Noncurrent loans to loans | 0.8117% | 2,379 |
| Net loans and leases to total assets | 62.4829% | 3,576 |
| Net loans and leases to deposits | 71.4919% | 3,786 |
| Net loans and leases to core deposits | 73.4785% | 3,984 |
| Total domestic deposits to total assets | 87.3986% | 1,762 |
| Equity capital to assets | 11.5653% | 2,256 |
| Core capital (leverage) ratio | 11.4892% | 1,975 |
| Tier 1 risk-based capital ratio | 20.2338% | 1,321 |
| Total risk-based capital ratio | 21.4924% | 1,289 |
| Memoranda: | ||
| Average total assets | $101,437,000 | 4,279 |
| Average earning assets | $88,830,330 | 4,383 |
| Average equity | $11,396,000 | 4,295 |
| Average total loans | $64,459,670 | 4,138 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2852% | 328 |
| Cost of funding earning assets | 0.3892% | 3,104 |
| Net interest margin | 4.8961% | 263 |
| Noninterest income to average assets | 0.8017% | 1,541 |
| Noninterest expense to average assets | 3.5029% | 1,038 |
| Loan and lease loss provision to assets | 0.1303% | 1,468 |
| Net operating income to assets | 0.8893% | 2,818 |
| Return on assets (ROA) | 0.8767% | 2,928 |
| Pretax return on assets | 1.4217% | 1,809 |
| Return on Equity (ROE) | 7.9208% | 2,960 |
| Retained earnings to average equity (ytd only) | 7.9208% | 1,493 |
| Net charge-offs to loans | 0.1242% | 1,175 |
| Credit loss provision to net charge-offs | 165.0000% | 1,147 |
| Earnings coverage of net charge-offs (x) | 19.9000% | 1,505 |
| Efficiency ratio | 69.0272% | 3,041 |
| Assets per employee ($millions) | 2.3800% | 5,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 1,554 |
| Loan loss allowance to noncurrent loans | 142.2351% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.7495% | 2,425 |
| Noncurrent loans to loans | 1.0801% | 1,898 |
| Net loans and leases to total assets | 61.3741% | 3,615 |
| Net loans and leases to deposits | 69.8266% | 3,818 |
| Net loans and leases to core deposits | 71.7440% | 4,005 |
| Total domestic deposits to total assets | 87.8950% | 1,773 |
| Equity capital to assets | 11.0946% | 2,539 |
| Core capital (leverage) ratio | 11.1460% | 2,237 |
| Tier 1 risk-based capital ratio | 19.5905% | 1,479 |
| Total risk-based capital ratio | 20.8494% | 1,447 |
| Memoranda: | ||
| Average total assets | $101,288,000 | 4,325 |
| Average earning assets | $88,397,500 | 4,432 |
| Average equity | $11,211,000 | 4,349 |
| Average total loans | $64,410,500 | 4,172 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5051% | 250 |
| Cost of funding earning assets | 0.4081% | 2,925 |
| Net interest margin | 5.0970% | 208 |
| Noninterest income to average assets | 0.7898% | 1,784 |
| Noninterest expense to average assets | 3.3352% | 1,499 |
| Loan and lease loss provision to assets | 0.2491% | 842 |
| Net operating income to assets | 1.0814% | 1,980 |
| Return on assets (ROA) | 1.0834% | 2,072 |
| Pretax return on assets | 1.5915% | 1,311 |
| Return on Equity (ROE) | 9.9019% | 1,998 |
| Retained earnings to average equity (ytd only) | 5.3846% | 2,085 |
| Net charge-offs to loans | 0.2903% | 954 |
| Credit loss provision to net charge-offs | 136.2162% | 1,994 |
| Earnings coverage of net charge-offs (x) | 10.0486% | 2,689 |
| Efficiency ratio | 64.4754% | 3,854 |
| Assets per employee ($millions) | 2.3311% | 5,727 |
| Cash dividends to net income (ytd only)* | 45.6204% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 1,722 |
| Loan loss allowance to noncurrent loans | 204.4397% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 3,068 |
| Noncurrent loans to loans | 0.7273% | 2,714 |
| Net loans and leases to total assets | 63.9129% | 3,368 |
| Net loans and leases to deposits | 73.1027% | 3,606 |
| Net loans and leases to core deposits | 75.1619% | 3,826 |
| Total domestic deposits to total assets | 87.4289% | 1,917 |
| Equity capital to assets | 11.0417% | 2,602 |
| Core capital (leverage) ratio | 10.8547% | 2,483 |
| Tier 1 risk-based capital ratio | 17.9081% | 1,874 |
| Total risk-based capital ratio | 19.1648% | 1,833 |
| Memoranda: | ||
| Average total assets | $101,162,400 | 4,332 |
| Average earning assets | $86,992,600 | 4,455 |
| Average equity | $11,068,600 | 4,417 |
| Average total loans | $63,730,800 | 4,186 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4522% | 272 |
| Cost of funding earning assets | 0.4037% | 2,984 |
| Net interest margin | 5.0484% | 230 |
| Noninterest income to average assets | 0.7916% | 1,798 |
| Noninterest expense to average assets | 3.3400% | 1,475 |
| Loan and lease loss provision to assets | 0.2288% | 882 |
| Net operating income to assets | 1.0397% | 2,245 |
| Return on assets (ROA) | 1.0415% | 2,359 |
| Pretax return on assets | 1.5333% | 1,597 |
| Return on Equity (ROE) | 9.5401% | 2,254 |
| Retained earnings to average equity (ytd only) | 9.5401% | 677 |
| Net charge-offs to loans | 0.2671% | 870 |
| Credit loss provision to net charge-offs | 137.0079% | 1,898 |
| Earnings coverage of net charge-offs (x) | 10.5354% | 2,560 |
| Efficiency ratio | 65.4977% | 3,678 |
| Assets per employee ($millions) | 2.3808% | 5,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 1,824 |
| Loan loss allowance to noncurrent loans | 206.3181% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.6760% | 2,882 |
| Noncurrent loans to loans | 0.7189% | 2,876 |
| Net loans and leases to total assets | 62.9041% | 3,535 |
| Net loans and leases to deposits | 72.0317% | 3,802 |
| Net loans and leases to core deposits | 74.0979% | 3,992 |
| Total domestic deposits to total assets | 87.3284% | 1,746 |
| Equity capital to assets | 11.5596% | 2,464 |
| Core capital (leverage) ratio | 11.2987% | 2,190 |
| Tier 1 risk-based capital ratio | 18.7646% | 1,719 |
| Total risk-based capital ratio | 20.0154% | 1,688 |
| Memoranda: | ||
| Average total assets | $101,393,500 | 4,368 |
| Average earning assets | $86,520,250 | 4,499 |
| Average equity | $11,068,750 | 4,460 |
| Average total loans | $63,405,500 | 4,217 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4192% | 287 |
| Cost of funding earning assets | 0.4074% | 2,962 |
| Net interest margin | 5.0119% | 248 |
| Noninterest income to average assets | 0.7913% | 1,749 |
| Noninterest expense to average assets | 3.2731% | 1,642 |
| Loan and lease loss provision to assets | 0.2376% | 836 |
| Net operating income to assets | 1.0458% | 2,204 |
| Return on assets (ROA) | 1.0485% | 2,313 |
| Pretax return on assets | 1.5119% | 1,636 |
| Return on Equity (ROE) | 9.7934% | 2,138 |
| Retained earnings to average equity (ytd only) | 9.7934% | 642 |
| Net charge-offs to loans | 0.1233% | 1,607 |
| Credit loss provision to net charge-offs | 310.2564% | 940 |
| Earnings coverage of net charge-offs (x) | 22.7949% | 1,612 |
| Efficiency ratio | 65.2191% | 3,803 |
| Assets per employee ($millions) | 2.4620% | 5,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 1,739 |
| Loan loss allowance to noncurrent loans | 175.6708% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.8704% | 2,420 |
| Noncurrent loans to loans | 0.8735% | 2,557 |
| Net loans and leases to total assets | 60.9375% | 3,760 |
| Net loans and leases to deposits | 69.1706% | 4,063 |
| Net loans and leases to core deposits | 71.2664% | 4,232 |
| Total domestic deposits to total assets | 88.0974% | 1,381 |
| Equity capital to assets | 10.8736% | 3,200 |
| Core capital (leverage) ratio | 10.9406% | 2,500 |
| Tier 1 risk-based capital ratio | 18.1583% | 1,886 |
| Total risk-based capital ratio | 19.4130% | 1,854 |
| Memoranda: | ||
| Average total assets | $101,859,670 | 4,395 |
| Average earning assets | $85,916,000 | 4,544 |
| Average equity | $10,905,330 | 4,508 |
| Average total loans | $63,258,000 | 4,253 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3529% | 318 |
| Cost of funding earning assets | 0.4038% | 3,027 |
| Net interest margin | 4.9491% | 281 |
| Noninterest income to average assets | 0.7914% | 1,654 |
| Noninterest expense to average assets | 3.4268% | 1,331 |
| Loan and lease loss provision to assets | 0.2295% | 807 |
| Net operating income to assets | 0.8811% | 2,847 |
| Return on assets (ROA) | 0.8864% | 2,948 |
| Pretax return on assets | 1.3137% | 2,245 |
| Return on Equity (ROE) | 8.3458% | 2,740 |
| Retained earnings to average equity (ytd only) | 8.3458% | 1,324 |
| Net charge-offs to loans | 0.1399% | 1,272 |
| Credit loss provision to net charge-offs | 263.6364% | 918 |
| Earnings coverage of net charge-offs (x) | 17.6364% | 1,568 |
| Efficiency ratio | 69.0590% | 3,290 |
| Assets per employee ($millions) | 2.4551% | 5,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 2,102 |
| Loan loss allowance to noncurrent loans | 125.6376% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.9271% | 2,388 |
| Noncurrent loans to loans | 1.1726% | 2,067 |
| Net loans and leases to total assets | 60.7066% | 3,686 |
| Net loans and leases to deposits | 68.7554% | 3,978 |
| Net loans and leases to core deposits | 71.0409% | 4,152 |
| Total domestic deposits to total assets | 88.2935% | 1,473 |
| Equity capital to assets | 10.5689% | 3,403 |
| Core capital (leverage) ratio | 10.8942% | 2,517 |
| Tier 1 risk-based capital ratio | 17.9018% | 2,014 |
| Total risk-based capital ratio | 19.1526% | 1,980 |
| Memoranda: | ||
| Average total assets | $101,086,500 | 4,448 |
| Average earning assets | $85,187,000 | 4,591 |
| Average equity | $10,736,000 | 4,554 |
| Average total loans | $62,889,500 | 4,289 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4908% | 266 |
| Cost of funding earning assets | 0.4263% | 2,880 |
| Net interest margin | 5.0644% | 222 |
| Noninterest income to average assets | 0.6722% | 2,335 |
| Noninterest expense to average assets | 3.4763% | 1,338 |
| Loan and lease loss provision to assets | 0.1162% | 2,057 |
| Net operating income to assets | 0.9280% | 2,712 |
| Return on assets (ROA) | 0.9316% | 2,780 |
| Pretax return on assets | 1.3611% | 2,066 |
| Return on Equity (ROE) | 8.5566% | 2,690 |
| Retained earnings to average equity (ytd only) | 4.3831% | 2,852 |
| Net charge-offs to loans | 0.3947% | 727 |
| Credit loss provision to net charge-offs | 47.6596% | 3,440 |
| Earnings coverage of net charge-offs (x) | 6.0383% | 3,290 |
| Efficiency ratio | 70.2516% | 3,185 |
| Assets per employee ($millions) | 2.4161% | 5,931 |
| Cash dividends to net income (ytd only)* | 48.7751% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4459% | 2,230 |
| Loan loss allowance to noncurrent loans | 125.8741% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.9439% | 2,310 |
| Noncurrent loans to loans | 1.1487% | 2,047 |
| Net loans and leases to total assets | 61.9287% | 3,573 |
| Net loans and leases to deposits | 70.5143% | 3,864 |
| Net loans and leases to core deposits | 72.7547% | 4,065 |
| Total domestic deposits to total assets | 87.8244% | 1,734 |
| Equity capital to assets | 10.6744% | 3,159 |
| Core capital (leverage) ratio | 10.8089% | 2,595 |
| Tier 1 risk-based capital ratio | 17.7829% | 2,027 |
| Total risk-based capital ratio | 19.0334% | 1,975 |
| Memoranda: | ||
| Average total assets | $96,396,000 | 4,531 |
| Average earning assets | $81,391,200 | 4,689 |
| Average equity | $10,494,800 | 4,566 |
| Average total loans | $59,536,000 | 4,387 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4554% | 287 |
| Cost of funding earning assets | 0.4316% | 2,885 |
| Net interest margin | 5.0238% | 240 |
| Noninterest income to average assets | 0.6574% | 2,440 |
| Noninterest expense to average assets | 3.5028% | 1,279 |
| Loan and lease loss provision to assets | 0.0961% | 2,252 |
| Net operating income to assets | 0.8404% | 3,215 |
| Return on assets (ROA) | 0.8440% | 3,285 |
| Pretax return on assets | 1.2953% | 2,419 |
| Return on Equity (ROE) | 7.7134% | 3,228 |
| Retained earnings to average equity (ytd only) | 7.7134% | 1,368 |
| Net charge-offs to loans | 0.5346% | 435 |
| Credit loss provision to net charge-offs | 29.2373% | 3,278 |
| Earnings coverage of net charge-offs (x) | 4.2161% | 3,381 |
| Efficiency ratio | 71.6524% | 2,939 |
| Assets per employee ($millions) | 2.3266% | 6,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 2,619 |
| Loan loss allowance to noncurrent loans | 109.4629% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.1312% | 2,108 |
| Noncurrent loans to loans | 1.2758% | 2,005 |
| Net loans and leases to total assets | 63.3595% | 3,398 |
| Net loans and leases to deposits | 72.4537% | 3,711 |
| Net loans and leases to core deposits | 74.8505% | 3,921 |
| Total domestic deposits to total assets | 87.4482% | 1,824 |
| Equity capital to assets | 11.3000% | 2,698 |
| Core capital (leverage) ratio | 11.1995% | 2,303 |
| Tier 1 risk-based capital ratio | 18.5227% | 1,890 |
| Total risk-based capital ratio | 19.7727% | 1,857 |
| Memoranda: | ||
| Average total assets | $95,730,250 | 4,600 |
| Average earning assets | $80,627,500 | 4,761 |
| Average equity | $10,475,000 | 4,623 |
| Average total loans | $58,858,500 | 4,455 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4413% | 295 |
| Cost of funding earning assets | 0.4373% | 2,883 |
| Net interest margin | 5.0040% | 246 |
| Noninterest income to average assets | 0.7345% | 2,062 |
| Noninterest expense to average assets | 3.4368% | 1,404 |
| Loan and lease loss provision to assets | 0.0751% | 2,610 |
| Net operating income to assets | 0.9265% | 2,753 |
| Return on assets (ROA) | 0.9265% | 2,874 |
| Pretax return on assets | 1.3772% | 2,076 |
| Return on Equity (ROE) | 8.5601% | 2,768 |
| Retained earnings to average equity (ytd only) | 8.5601% | 1,058 |
| Net charge-offs to loans | 0.7477% | 302 |
| Credit loss provision to net charge-offs | 16.5899% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.2074% | 3,223 |
| Efficiency ratio | 70.2945% | 3,287 |
| Assets per employee ($millions) | 2.3049% | 6,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 2,577 |
| Loan loss allowance to noncurrent loans | 619.1176% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 3,454 |
| Noncurrent loans to loans | 0.2322% | 4,840 |
| Net loans and leases to total assets | 59.6236% | 3,889 |
| Net loans and leases to deposits | 67.8780% | 4,147 |
| Net loans and leases to core deposits | 69.1341% | 4,400 |
| Total domestic deposits to total assets | 87.8393% | 1,734 |
| Equity capital to assets | 10.9241% | 2,970 |
| Core capital (leverage) ratio | 10.8743% | 2,542 |
| Tier 1 risk-based capital ratio | 18.4258% | 1,938 |
| Total risk-based capital ratio | 19.6790% | 1,906 |
| Memoranda: | ||
| Average total assets | $95,844,000 | 4,634 |
| Average earning assets | $79,576,330 | 4,837 |
| Average equity | $10,373,670 | 4,674 |
| Average total loans | $58,046,670 | 4,509 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3976% | 304 |
| Cost of funding earning assets | 0.4523% | 2,746 |
| Net interest margin | 4.9452% | 269 |
| Noninterest income to average assets | 0.7760% | 1,807 |
| Noninterest expense to average assets | 3.5108% | 1,281 |
| Loan and lease loss provision to assets | 0.0545% | 2,843 |
| Net operating income to assets | 0.8389% | 3,066 |
| Return on assets (ROA) | 0.8389% | 3,193 |
| Pretax return on assets | 1.2919% | 2,317 |
| Return on Equity (ROE) | 7.7874% | 3,073 |
| Retained earnings to average equity (ytd only) | 7.7874% | 1,648 |
| Net charge-offs to loans | 0.0485% | 2,306 |
| Credit loss provision to net charge-offs | 185.7143% | 1,101 |
| Earnings coverage of net charge-offs (x) | 45.8571% | 895 |
| Efficiency ratio | 72.2798% | 3,124 |
| Assets per employee ($millions) | 2.4302% | 6,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7832% | 1,531 |
| Loan loss allowance to noncurrent loans | 227.6549% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.9598% | 2,706 |
| Noncurrent loans to loans | 0.7833% | 3,297 |
| Net loans and leases to total assets | 58.3040% | 3,900 |
| Net loans and leases to deposits | 66.1867% | 4,137 |
| Net loans and leases to core deposits | 67.5313% | 4,378 |
| Total domestic deposits to total assets | 88.0902% | 1,766 |
| Equity capital to assets | 10.7102% | 3,310 |
| Core capital (leverage) ratio | 10.8482% | 2,574 |
| Tier 1 risk-based capital ratio | 18.3054% | 2,061 |
| Total risk-based capital ratio | 19.5541% | 2,017 |
| Memoranda: | ||
| Average total assets | $95,364,000 | 4,679 |
| Average earning assets | $78,702,000 | 4,899 |
| Average equity | $10,273,000 | 4,727 |
| Average total loans | $57,790,000 | 4,552 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5878% | 278 |
| Cost of funding earning assets | 0.5340% | 2,340 |
| Net interest margin | 5.0538% | 274 |
| Noninterest income to average assets | 0.6398% | 2,619 |
| Noninterest expense to average assets | 3.6055% | 1,297 |
| Loan and lease loss provision to assets | 0.1102% | 2,328 |
| Net operating income to assets | 0.7959% | 3,395 |
| Return on assets (ROA) | 0.8095% | 3,415 |
| Pretax return on assets | 1.1575% | 2,833 |
| Return on Equity (ROE) | 7.6098% | 3,318 |
| Retained earnings to average equity (ytd only) | 4.0538% | 3,324 |
| Net charge-offs to loans | 0.1375% | 2,644 |
| Credit loss provision to net charge-offs | 127.5000% | 1,879 |
| Earnings coverage of net charge-offs (x) | 14.4375% | 2,165 |
| Efficiency ratio | 74.2819% | 2,791 |
| Assets per employee ($millions) | 2.2267% | 6,301 |
| Cash dividends to net income (ytd only)* | 46.7290% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7676% | 1,604 |
| Loan loss allowance to noncurrent loans | 173.9796% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 1.1569% | 2,449 |
| Noncurrent loans to loans | 1.0160% | 2,792 |
| Net loans and leases to total assets | 60.7910% | 3,676 |
| Net loans and leases to deposits | 69.3795% | 3,988 |
| Net loans and leases to core deposits | 70.6319% | 4,263 |
| Total domestic deposits to total assets | 87.6211% | 1,969 |
| Equity capital to assets | 10.8370% | 3,073 |
| Core capital (leverage) ratio | 10.8830% | 2,516 |
| Tier 1 risk-based capital ratio | 15.1434% | 3,417 |
| Total risk-based capital ratio | 16.3946% | 3,362 |
| Memoranda: | ||
| Average total assets | $92,526,200 | 4,781 |
| Average earning assets | $77,149,600 | 4,950 |
| Average equity | $9,842,600 | 4,784 |
| Average total loans | $58,189,400 | 4,543 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6049% | 271 |
| Cost of funding earning assets | 0.5522% | 2,271 |
| Net interest margin | 5.0527% | 267 |
| Noninterest income to average assets | 0.6170% | 2,767 |
| Noninterest expense to average assets | 3.6989% | 1,123 |
| Loan and lease loss provision to assets | 0.1286% | 1,950 |
| Net operating income to assets | 0.5700% | 4,594 |
| Return on assets (ROA) | 0.5866% | 4,587 |
| Pretax return on assets | 1.0331% | 3,456 |
| Return on Equity (ROE) | 5.5409% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.5409% | 2,713 |
| Net charge-offs to loans | 0.1510% | 2,283 |
| Credit loss provision to net charge-offs | 134.8485% | 1,729 |
| Earnings coverage of net charge-offs (x) | 11.9088% | 2,365 |
| Efficiency ratio | 76.5093% | 2,412 |
| Assets per employee ($millions) | 2.2148% | 6,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 1,845 |
| Loan loss allowance to noncurrent loans | 158.7597% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 1.2610% | 2,443 |
| Noncurrent loans to loans | 1.0978% | 2,871 |
| Net loans and leases to total assets | 62.0578% | 3,475 |
| Net loans and leases to deposits | 70.6628% | 3,842 |
| Net loans and leases to core deposits | 71.9585% | 4,157 |
| Total domestic deposits to total assets | 87.8224% | 1,852 |
| Equity capital to assets | 10.8565% | 3,118 |
| Core capital (leverage) ratio | 10.9489% | 2,537 |
| Tier 1 risk-based capital ratio | 15.2527% | 3,439 |
| Total risk-based capital ratio | 16.5062% | 3,384 |
| Memoranda: | ||
| Average total assets | $92,277,250 | 4,835 |
| Average earning assets | $77,025,500 | 5,009 |
| Average equity | $9,769,500 | 4,833 |
| Average total loans | $58,267,750 | 4,577 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6067% | 258 |
| Cost of funding earning assets | 0.5669% | 2,194 |
| Net interest margin | 5.0398% | 263 |
| Noninterest income to average assets | 0.5803% | 2,930 |
| Noninterest expense to average assets | 3.8684% | 885 |
| Loan and lease loss provision to assets | 0.1434% | 1,725 |
| Net operating income to assets | 0.3037% | 5,554 |
| Return on assets (ROA) | 0.3260% | 5,552 |
| Pretax return on assets | 0.7954% | 4,289 |
| Return on Equity (ROE) | 3.1057% | 5,490 |
| Retained earnings to average equity (ytd only) | 3.1057% | 4,226 |
| Net charge-offs to loans | 0.1239% | 2,433 |
| Credit loss provision to net charge-offs | 183.3333% | 1,254 |
| Earnings coverage of net charge-offs (x) | 11.5556% | 2,147 |
| Efficiency ratio | 81.0565% | 1,869 |
| Assets per employee ($millions) | 2.1473% | 6,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7864% | 1,875 |
| Loan loss allowance to noncurrent loans | 108.4122% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.6505% | 1,974 |
| Noncurrent loans to loans | 1.6478% | 2,111 |
| Net loans and leases to total assets | 61.3880% | 3,506 |
| Net loans and leases to deposits | 69.7925% | 3,850 |
| Net loans and leases to core deposits | 71.1219% | 4,137 |
| Total domestic deposits to total assets | 87.9578% | 1,925 |
| Equity capital to assets | 10.6515% | 3,254 |
| Core capital (leverage) ratio | 10.7544% | 2,671 |
| Tier 1 risk-based capital ratio | 14.8118% | 3,747 |
| Total risk-based capital ratio | 16.0648% | 3,686 |
| Memoranda: | ||
| Average total assets | $92,028,670 | 4,875 |
| Average earning assets | $76,551,330 | 5,059 |
| Average equity | $9,659,670 | 4,872 |
| Average total loans | $58,106,330 | 4,611 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5707% | 262 |
| Cost of funding earning assets | 0.5748% | 2,201 |
| Net interest margin | 4.9959% | 277 |
| Noninterest income to average assets | 0.3048% | 4,915 |
| Noninterest expense to average assets | 4.0925% | 689 |
| Loan and lease loss provision to assets | 0.1437% | 1,699 |
| Net operating income to assets | -0.2395% | 6,375 |
| Return on assets (ROA) | -0.2395% | 6,378 |
| Pretax return on assets | 0.2307% | 5,871 |
| Return on Equity (ROE) | -2.2984% | 6,366 |
| Retained earnings to average equity (ytd only) | -2.2984% | 5,883 |
| Net charge-offs to loans | 0.0823% | 2,324 |
| Credit loss provision to net charge-offs | 275.0000% | 844 |
| Earnings coverage of net charge-offs (x) | 7.1667% | 2,149 |
| Efficiency ratio | 91.6179% | 904 |
| Assets per employee ($millions) | 2.2295% | 6,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7550% | 2,177 |
| Loan loss allowance to noncurrent loans | 96.4151% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.8251% | 1,913 |
| Noncurrent loans to loans | 1.8203% | 2,110 |
| Net loans and leases to total assets | 61.0976% | 3,381 |
| Net loans and leases to deposits | 69.0725% | 3,728 |
| Net loans and leases to core deposits | 70.4054% | 4,046 |
| Total domestic deposits to total assets | 88.4544% | 1,958 |
| Equity capital to assets | 10.2203% | 3,573 |
| Core capital (leverage) ratio | 10.3848% | 3,068 |
| Tier 1 risk-based capital ratio | 14.4012% | 4,065 |
| Total risk-based capital ratio | 15.6542% | 4,023 |
| Memoranda: | ||
| Average total assets | $91,876,000 | 4,916 |
| Average earning assets | $76,543,000 | 5,102 |
| Average equity | $9,572,000 | 4,917 |
| Average total loans | $58,303,000 | 4,641 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7879% | 234 |
| Cost of funding earning assets | 0.6799% | 1,959 |
| Net interest margin | 5.1080% | 254 |
| Noninterest income to average assets | 0.8628% | 1,816 |
| Noninterest expense to average assets | 3.8564% | 1,049 |
| Loan and lease loss provision to assets | 0.2108% | 1,748 |
| Net operating income to assets | 0.7291% | 3,662 |
| Return on assets (ROA) | 0.8101% | 3,339 |
| Pretax return on assets | 1.1768% | 2,664 |
| Return on Equity (ROE) | 7.6817% | 3,208 |
| Retained earnings to average equity (ytd only) | 4.0386% | 3,317 |
| Net charge-offs to loans | 0.2553% | 2,440 |
| Credit loss provision to net charge-offs | 128.8591% | 1,821 |
| Earnings coverage of net charge-offs (x) | 7.7651% | 2,787 |
| Efficiency ratio | 75.2248% | 2,913 |
| Assets per employee ($millions) | 2.1456% | 6,592 |
| Cash dividends to net income (ytd only)* | 47.4255% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7148% | 2,356 |
| Loan loss allowance to noncurrent loans | 97.8495% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 2.0762% | 1,723 |
| Noncurrent loans to loans | 1.7525% | 2,301 |
| Net loans and leases to total assets | 63.6664% | 3,104 |
| Net loans and leases to deposits | 72.6305% | 3,442 |
| Net loans and leases to core deposits | 73.9619% | 3,842 |
| Total domestic deposits to total assets | 87.6580% | 2,387 |
| Equity capital to assets | 10.6242% | 3,012 |
| Core capital (leverage) ratio | 10.8517% | 2,523 |
| Tier 1 risk-based capital ratio | 15.2176% | 3,534 |
| Total risk-based capital ratio | 16.4719% | 3,480 |
| Memoranda: | ||
| Average total assets | $91,094,600 | 4,951 |
| Average earning assets | $76,038,200 | 5,154 |
| Average equity | $9,607,200 | 4,947 |
| Average total loans | $58,357,600 | 4,669 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8016% | 237 |
| Cost of funding earning assets | 0.6989% | 1,960 |
| Net interest margin | 5.1028% | 257 |
| Noninterest income to average assets | 0.8393% | 1,981 |
| Noninterest expense to average assets | 3.9383% | 920 |
| Loan and lease loss provision to assets | 0.2321% | 1,556 |
| Net operating income to assets | 0.4889% | 4,844 |
| Return on assets (ROA) | 0.5562% | 4,702 |
| Pretax return on assets | 1.0160% | 3,446 |
| Return on Equity (ROE) | 5.2830% | 4,576 |
| Retained earnings to average equity (ytd only) | 5.2830% | 2,883 |
| Net charge-offs to loans | 0.2033% | 2,604 |
| Credit loss provision to net charge-offs | 178.6517% | 1,352 |
| Earnings coverage of net charge-offs (x) | 8.7980% | 2,574 |
| Efficiency ratio | 77.5065% | 2,483 |
| Assets per employee ($millions) | 2.2208% | 6,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 2,435 |
| Loan loss allowance to noncurrent loans | 105.0051% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.9648% | 2,068 |
| Noncurrent loans to loans | 1.6725% | 2,680 |
| Net loans and leases to total assets | 63.1588% | 3,138 |
| Net loans and leases to deposits | 71.8437% | 3,531 |
| Net loans and leases to core deposits | 73.3717% | 3,922 |
| Total domestic deposits to total assets | 87.9114% | 2,187 |
| Equity capital to assets | 10.5543% | 3,210 |
| Core capital (leverage) ratio | 10.7333% | 2,749 |
| Tier 1 risk-based capital ratio | 15.0576% | 3,718 |
| Total risk-based capital ratio | 16.3118% | 3,665 |
| Memoranda: | ||
| Average total assets | $91,339,500 | 4,994 |
| Average earning assets | $75,931,000 | 5,202 |
| Average equity | $9,615,500 | 4,998 |
| Average total loans | $58,353,500 | 4,710 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8011% | 240 |
| Cost of funding earning assets | 0.7159% | 1,953 |
| Net interest margin | 5.0852% | 268 |
| Noninterest income to average assets | 0.8356% | 2,042 |
| Noninterest expense to average assets | 3.9285% | 948 |
| Loan and lease loss provision to assets | 0.2756% | 1,337 |
| Net operating income to assets | 0.4405% | 5,060 |
| Return on assets (ROA) | 0.5315% | 4,823 |
| Pretax return on assets | 0.9843% | 3,578 |
| Return on Equity (ROE) | 5.0534% | 4,704 |
| Retained earnings to average equity (ytd only) | 5.0534% | 3,023 |
| Net charge-offs to loans | 0.3019% | 1,979 |
| Credit loss provision to net charge-offs | 143.1818% | 1,590 |
| Earnings coverage of net charge-offs (x) | 5.8068% | 2,826 |
| Efficiency ratio | 77.8500% | 2,483 |
| Assets per employee ($millions) | 1.9912% | 6,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7333% | 2,655 |
| Loan loss allowance to noncurrent loans | 105.0633% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 1.9783% | 2,177 |
| Noncurrent loans to loans | 1.6498% | 2,840 |
| Net loans and leases to total assets | 61.6475% | 3,365 |
| Net loans and leases to deposits | 70.0327% | 3,707 |
| Net loans and leases to core deposits | 71.1266% | 4,156 |
| Total domestic deposits to total assets | 88.0266% | 2,226 |
| Equity capital to assets | 10.4787% | 3,328 |
| Core capital (leverage) ratio | 10.5191% | 2,860 |
| Tier 1 risk-based capital ratio | 14.7322% | 3,956 |
| Total risk-based capital ratio | 15.9860% | 3,920 |
| Memoranda: | ||
| Average total assets | $91,435,000 | 5,023 |
| Average earning assets | $75,709,330 | 5,235 |
| Average equity | $9,617,330 | 5,030 |
| Average total loans | $58,292,670 | 4,732 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7056% | 272 |
| Cost of funding earning assets | 0.7270% | 2,014 |
| Net interest margin | 4.9786% | 304 |
| Noninterest income to average assets | 0.8144% | 2,075 |
| Noninterest expense to average assets | 3.7830% | 1,135 |
| Loan and lease loss provision to assets | 0.2758% | 1,278 |
| Net operating income to assets | 0.5359% | 4,514 |
| Return on assets (ROA) | 0.7181% | 3,740 |
| Pretax return on assets | 1.1778% | 2,654 |
| Return on Equity (ROE) | 6.8142% | 3,589 |
| Retained earnings to average equity (ytd only) | 6.8142% | 2,249 |
| Net charge-offs to loans | 0.4565% | 1,304 |
| Credit loss provision to net charge-offs | 94.0299% | 1,952 |
| Earnings coverage of net charge-offs (x) | 3.9851% | 2,636 |
| Efficiency ratio | 76.3926% | 2,867 |
| Assets per employee ($millions) | 2.1972% | 6,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6539% | 3,185 |
| Loan loss allowance to noncurrent loans | 102.8017% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 2.2420% | 2,081 |
| Noncurrent loans to loans | 1.6088% | 3,128 |
| Net loans and leases to total assets | 61.4700% | 3,175 |
| Net loans and leases to deposits | 69.8264% | 3,507 |
| Net loans and leases to core deposits | 71.3063% | 3,912 |
| Total domestic deposits to total assets | 88.0326% | 2,288 |
| Equity capital to assets | 10.4807% | 3,562 |
| Core capital (leverage) ratio | 10.3539% | 2,961 |
| Tier 1 risk-based capital ratio | 14.4689% | 4,199 |
| Total risk-based capital ratio | 15.7213% | 4,160 |
| Memoranda: | ||
| Average total assets | $91,355,000 | 5,068 |
| Average earning assets | $75,925,000 | 5,268 |
| Average equity | $9,627,000 | 5,083 |
| Average total loans | $58,708,000 | 4,750 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0225% | 258 |
| Cost of funding earning assets | 0.8607% | 2,210 |
| Net interest margin | 5.1617% | 291 |
| Noninterest income to average assets | 0.7751% | 2,366 |
| Noninterest expense to average assets | 3.6397% | 1,524 |
| Loan and lease loss provision to assets | 0.4095% | 1,577 |
| Net operating income to assets | 0.7634% | 3,445 |
| Return on assets (ROA) | 0.7773% | 3,637 |
| Pretax return on assets | 1.1163% | 3,098 |
| Return on Equity (ROE) | 7.4565% | 3,364 |
| Retained earnings to average equity (ytd only) | 3.7600% | 3,568 |
| Net charge-offs to loans | 0.5494% | 2,088 |
| Credit loss provision to net charge-offs | 111.7117% | 2,610 |
| Earnings coverage of net charge-offs (x) | 4.1081% | 3,479 |
| Efficiency ratio | 70.7317% | 3,670 |
| Assets per employee ($millions) | 2.1530% | 6,856 |
| Cash dividends to net income (ytd only)* | 49.5751% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 3,295 |
| Loan loss allowance to noncurrent loans | 78.0130% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 2.4727% | 1,978 |
| Noncurrent loans to loans | 2.0557% | 2,632 |
| Net loans and leases to total assets | 65.0001% | 2,721 |
| Net loans and leases to deposits | 73.9501% | 3,093 |
| Net loans and leases to core deposits | 75.5479% | 3,597 |
| Total domestic deposits to total assets | 87.8973% | 2,294 |
| Equity capital to assets | 10.5965% | 3,401 |
| Core capital (leverage) ratio | 10.3853% | 2,904 |
| Tier 1 risk-based capital ratio | 15.1412% | 3,643 |
| Total risk-based capital ratio | 16.3955% | 3,591 |
| Memoranda: | ||
| Average total assets | $90,832,000 | 5,065 |
| Average earning assets | $76,912,200 | 5,216 |
| Average equity | $9,468,200 | 5,112 |
| Average total loans | $60,608,000 | 4,684 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0607% | 265 |
| Cost of funding earning assets | 0.8891% | 2,246 |
| Net interest margin | 5.1716% | 304 |
| Noninterest income to average assets | 0.7038% | 2,700 |
| Noninterest expense to average assets | 3.6802% | 1,395 |
| Loan and lease loss provision to assets | 0.4531% | 1,377 |
| Net operating income to assets | 0.6104% | 4,344 |
| Return on assets (ROA) | 0.6275% | 4,513 |
| Pretax return on assets | 0.9721% | 3,815 |
| Return on Equity (ROE) | 6.0452% | 4,309 |
| Retained earnings to average equity (ytd only) | 6.0452% | 2,675 |
| Net charge-offs to loans | 0.6269% | 1,753 |
| Credit loss provision to net charge-offs | 108.0420% | 2,717 |
| Earnings coverage of net charge-offs (x) | 3.3357% | 3,685 |
| Efficiency ratio | 72.4596% | 3,241 |
| Assets per employee ($millions) | 2.1534% | 6,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 3,772 |
| Loan loss allowance to noncurrent loans | 66.1517% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 2.7101% | 1,950 |
| Noncurrent loans to loans | 2.3283% | 2,476 |
| Net loans and leases to total assets | 66.5837% | 2,545 |
| Net loans and leases to deposits | 75.8626% | 3,003 |
| Net loans and leases to core deposits | 77.4920% | 3,534 |
| Total domestic deposits to total assets | 87.7688% | 2,188 |
| Equity capital to assets | 10.6810% | 3,625 |
| Core capital (leverage) ratio | 10.4643% | 2,961 |
| Tier 1 risk-based capital ratio | 14.7272% | 4,026 |
| Total risk-based capital ratio | 15.9799% | 3,989 |
| Memoranda: | ||
| Average total assets | $90,933,500 | 5,107 |
| Average earning assets | $76,931,000 | 5,269 |
| Average equity | $9,439,750 | 5,169 |
| Average total loans | $60,826,250 | 4,734 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1291% | 247 |
| Cost of funding earning assets | 0.9195% | 2,263 |
| Net interest margin | 5.2096% | 281 |
| Noninterest income to average assets | 0.5862% | 3,347 |
| Noninterest expense to average assets | 3.7301% | 1,325 |
| Loan and lease loss provision to assets | 0.2766% | 2,377 |
| Net operating income to assets | 0.5228% | 4,706 |
| Return on assets (ROA) | 0.5467% | 4,878 |
| Pretax return on assets | 1.0077% | 3,674 |
| Return on Equity (ROE) | 5.3169% | 4,659 |
| Retained earnings to average equity (ytd only) | 5.3169% | 3,081 |
| Net charge-offs to loans | 0.1318% | 3,872 |
| Credit loss provision to net charge-offs | 315.0000% | 937 |
| Earnings coverage of net charge-offs (x) | 14.2000% | 1,728 |
| Efficiency ratio | 74.9449% | 2,904 |
| Assets per employee ($millions) | 2.1945% | 6,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6413% | 3,457 |
| Loan loss allowance to noncurrent loans | 69.3582% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 2.7275% | 2,021 |
| Noncurrent loans to loans | 2.3664% | 2,540 |
| Net loans and leases to total assets | 66.9393% | 2,476 |
| Net loans and leases to deposits | 76.1975% | 2,960 |
| Net loans and leases to core deposits | 77.8411% | 3,541 |
| Total domestic deposits to total assets | 87.8498% | 2,251 |
| Equity capital to assets | 10.5242% | 3,659 |
| Core capital (leverage) ratio | 10.3185% | 3,025 |
| Tier 1 risk-based capital ratio | 14.7513% | 3,933 |
| Total risk-based capital ratio | 16.0049% | 3,890 |
| Memoranda: | ||
| Average total assets | $91,097,670 | 5,135 |
| Average earning assets | $76,781,670 | 5,302 |
| Average equity | $9,366,330 | 5,192 |
| Average total loans | $60,714,670 | 4,758 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2302% | 223 |
| Cost of funding earning assets | 0.9694% | 2,161 |
| Net interest margin | 5.2608% | 275 |
| Noninterest income to average assets | 0.7681% | 2,311 |
| Noninterest expense to average assets | 3.6003% | 1,556 |
| Loan and lease loss provision to assets | 0.2749% | 2,265 |
| Net operating income to assets | 0.8298% | 3,254 |
| Return on assets (ROA) | 0.8553% | 3,366 |
| Pretax return on assets | 1.3136% | 2,494 |
| Return on Equity (ROE) | 8.4165% | 3,096 |
| Retained earnings to average equity (ytd only) | 8.4165% | 1,813 |
| Net charge-offs to loans | 0.1786% | 3,026 |
| Credit loss provision to net charge-offs | 233.3333% | 1,208 |
| Earnings coverage of net charge-offs (x) | 13.1481% | 1,555 |
| Efficiency ratio | 69.9153% | 3,831 |
| Assets per employee ($millions) | 2.2409% | 7,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5837% | 3,790 |
| Loan loss allowance to noncurrent loans | 77.8321% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 2.3739% | 2,502 |
| Noncurrent loans to loans | 2.0347% | 3,106 |
| Net loans and leases to total assets | 64.5958% | 2,742 |
| Net loans and leases to deposits | 73.4033% | 3,215 |
| Net loans and leases to core deposits | 74.7672% | 3,792 |
| Total domestic deposits to total assets | 88.0012% | 2,320 |
| Equity capital to assets | 10.2355% | 3,807 |
| Core capital (leverage) ratio | 10.0472% | 3,312 |
| Tier 1 risk-based capital ratio | 14.1930% | 4,324 |
| Total risk-based capital ratio | 15.4415% | 4,298 |
| Memoranda: | ||
| Average total assets | $91,659,500 | 5,160 |
| Average earning assets | $76,337,500 | 5,351 |
| Average equity | $9,315,000 | 5,213 |
| Average total loans | $60,455,500 | 4,794 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2065% | 301 |
| Cost of funding earning assets | 1.1680% | 2,230 |
| Net interest margin | 5.0385% | 381 |
| Noninterest income to average assets | 1.2584% | 818 |
| Noninterest expense to average assets | 3.5963% | 1,752 |
| Loan and lease loss provision to assets | 0.5652% | 1,844 |
| Net operating income to assets | 0.8494% | 2,824 |
| Return on assets (ROA) | 0.8494% | 2,977 |
| Pretax return on assets | 1.2574% | 2,280 |
| Return on Equity (ROE) | 8.7174% | 2,586 |
| Retained earnings to average equity (ytd only) | 5.7114% | 2,168 |
| Net charge-offs to loans | 0.6116% | 2,612 |
| Credit loss provision to net charge-offs | 136.0313% | 2,199 |
| Earnings coverage of net charge-offs (x) | 4.3864% | 3,132 |
| Efficiency ratio | 66.3664% | 4,689 |
| Assets per employee ($millions) | 2.1772% | 7,089 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 3,957 |
| Loan loss allowance to noncurrent loans | 118.4516% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 1.9498% | 3,041 |
| Noncurrent loans to loans | 1.2787% | 4,234 |
| Net loans and leases to total assets | 65.2756% | 2,926 |
| Net loans and leases to deposits | 74.2977% | 3,448 |
| Net loans and leases to core deposits | 75.7026% | 4,022 |
| Total domestic deposits to total assets | 87.8569% | 2,246 |
| Equity capital to assets | 10.0893% | 4,046 |
| Core capital (leverage) ratio | 9.9021% | 3,454 |
| Tier 1 risk-based capital ratio | 16.5592% | 2,798 |
| Total risk-based capital ratio | 17.8090% | 2,763 |
| Memoranda: | ||
| Average total assets | $92,177,600 | 5,125 |
| Average earning assets | $76,113,400 | 5,342 |
| Average equity | $8,982,000 | 5,279 |
| Average total loans | $62,624,600 | 4,767 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2671% | 285 |
| Cost of funding earning assets | 1.2107% | 2,252 |
| Net interest margin | 5.0564% | 372 |
| Noninterest income to average assets | 1.2299% | 865 |
| Noninterest expense to average assets | 3.6407% | 1,626 |
| Loan and lease loss provision to assets | 0.6121% | 1,611 |
| Net operating income to assets | 0.6785% | 3,727 |
| Return on assets (ROA) | 0.6785% | 3,902 |
| Pretax return on assets | 1.1433% | 2,847 |
| Return on Equity (ROE) | 7.0244% | 3,516 |
| Retained earnings to average equity (ytd only) | 7.0244% | 1,956 |
| Net charge-offs to loans | 0.6378% | 2,334 |
| Credit loss provision to net charge-offs | 140.3974% | 2,266 |
| Earnings coverage of net charge-offs (x) | 4.0264% | 3,207 |
| Efficiency ratio | 67.4692% | 4,428 |
| Assets per employee ($millions) | 2.2683% | 7,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 4,381 |
| Loan loss allowance to noncurrent loans | 132.2581% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 1.8380% | 3,350 |
| Noncurrent loans to loans | 1.0876% | 4,736 |
| Net loans and leases to total assets | 64.8724% | 3,136 |
| Net loans and leases to deposits | 73.2677% | 3,769 |
| Net loans and leases to core deposits | 74.5924% | 4,367 |
| Total domestic deposits to total assets | 88.5417% | 1,727 |
| Equity capital to assets | 9.6728% | 4,819 |
| Core capital (leverage) ratio | 9.4618% | 4,209 |
| Tier 1 risk-based capital ratio | 15.7653% | 3,240 |
| Total risk-based capital ratio | 17.0152% | 3,200 |
| Memoranda: | ||
| Average total assets | $92,361,250 | 5,160 |
| Average earning assets | $76,099,750 | 5,379 |
| Average equity | $8,921,000 | 5,330 |
| Average total loans | $63,128,750 | 4,796 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3251% | 270 |
| Cost of funding earning assets | 1.2592% | 2,191 |
| Net interest margin | 5.0659% | 355 |
| Noninterest income to average assets | 1.2386% | 822 |
| Noninterest expense to average assets | 3.6896% | 1,545 |
| Loan and lease loss provision to assets | 0.3589% | 2,635 |
| Net operating income to assets | 0.7791% | 3,160 |
| Return on assets (ROA) | 0.7791% | 3,287 |
| Pretax return on assets | 1.3809% | 1,857 |
| Return on Equity (ROE) | 8.0698% | 2,920 |
| Retained earnings to average equity (ytd only) | 8.0698% | 1,439 |
| Net charge-offs to loans | 0.2402% | 3,687 |
| Credit loss provision to net charge-offs | 215.7895% | 1,379 |
| Earnings coverage of net charge-offs (x) | 10.4605% | 1,808 |
| Efficiency ratio | 67.9565% | 4,525 |
| Assets per employee ($millions) | 2.2915% | 7,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 4,698 |
| Loan loss allowance to noncurrent loans | 96.1240% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 2.1248% | 3,077 |
| Noncurrent loans to loans | 1.4319% | 4,266 |
| Net loans and leases to total assets | 64.6205% | 3,338 |
| Net loans and leases to deposits | 72.7118% | 3,995 |
| Net loans and leases to core deposits | 74.5365% | 4,503 |
| Total domestic deposits to total assets | 88.8721% | 1,614 |
| Equity capital to assets | 9.3927% | 4,987 |
| Core capital (leverage) ratio | 9.2409% | 4,335 |
| Tier 1 risk-based capital ratio | 15.6016% | 3,182 |
| Total risk-based capital ratio | 16.8509% | 3,143 |
| Memoranda: | ||
| Average total assets | $91,392,670 | 5,221 |
| Average earning assets | $75,603,330 | 5,446 |
| Average equity | $8,823,000 | 5,370 |
| Average total loans | $63,270,330 | 4,819 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3393% | 265 |
| Cost of funding earning assets | 1.3222% | 2,058 |
| Net interest margin | 5.0170% | 370 |
| Noninterest income to average assets | 1.2589% | 800 |
| Noninterest expense to average assets | 3.5879% | 1,794 |
| Loan and lease loss provision to assets | 0.3867% | 2,247 |
| Net operating income to assets | 0.9262% | 2,456 |
| Return on assets (ROA) | 0.9262% | 2,517 |
| Pretax return on assets | 1.5152% | 1,406 |
| Return on Equity (ROE) | 9.4555% | 2,294 |
| Retained earnings to average equity (ytd only) | 9.4555% | 1,246 |
| Net charge-offs to loans | -0.1136% | 7,121 |
| Credit loss provision to net charge-offs | -477.7778% | 5,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3563% | 5,145 |
| Assets per employee ($millions) | 2.2547% | 7,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 4,681 |
| Loan loss allowance to noncurrent loans | 89.1129% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 2.1400% | 3,142 |
| Noncurrent loans to loans | 1.5677% | 4,128 |
| Net loans and leases to total assets | 69.1810% | 2,290 |
| Net loans and leases to deposits | 78.3822% | 2,996 |
| Net loans and leases to core deposits | 80.4874% | 3,670 |
| Total domestic deposits to total assets | 88.2612% | 2,218 |
| Equity capital to assets | 9.7663% | 4,078 |
| Core capital (leverage) ratio | 9.6872% | 3,543 |
| Tier 1 risk-based capital ratio | 15.6106% | 3,095 |
| Total risk-based capital ratio | 16.8607% | 3,062 |
| Memoranda: | ||
| Average total assets | $88,966,500 | 5,321 |
| Average earning assets | $75,024,500 | 5,508 |
| Average equity | $8,714,500 | 5,402 |
| Average total loans | $63,374,500 | 4,855 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6979% | 233 |
| Cost of funding earning assets | 1.5904% | 2,122 |
| Net interest margin | 5.1075% | 348 |
| Noninterest income to average assets | 1.3715% | 775 |
| Noninterest expense to average assets | 3.7748% | 1,536 |
| Loan and lease loss provision to assets | 0.3891% | 3,779 |
| Net operating income to assets | 1.0192% | 1,969 |
| Return on assets (ROA) | 1.0192% | 2,084 |
| Pretax return on assets | 1.5494% | 1,254 |
| Return on Equity (ROE) | 10.5144% | 1,759 |
| Retained earnings to average equity (ytd only) | 6.7846% | 1,415 |
| Net charge-offs to loans | 0.4280% | 3,908 |
| Credit loss provision to net charge-offs | 124.6324% | 3,303 |
| Earnings coverage of net charge-offs (x) | 6.2096% | 2,414 |
| Efficiency ratio | 66.0707% | 4,958 |
| Assets per employee ($millions) | 2.1936% | 7,308 |
| Cash dividends to net income (ytd only)* | 35.4730% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 5,373 |
| Loan loss allowance to noncurrent loans | 87.8378% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 2.1300% | 3,175 |
| Noncurrent loans to loans | 1.3990% | 4,385 |
| Net loans and leases to total assets | 71.4479% | 2,210 |
| Net loans and leases to deposits | 81.3400% | 2,926 |
| Net loans and leases to core deposits | 83.5771% | 3,653 |
| Total domestic deposits to total assets | 87.8386% | 2,349 |
| Equity capital to assets | 9.8251% | 3,967 |
| Core capital (leverage) ratio | 9.7253% | 3,404 |
| Tier 1 risk-based capital ratio | 15.3586% | 3,067 |
| Total risk-based capital ratio | 16.6090% | 3,026 |
| Memoranda: | ||
| Average total assets | $87,129,400 | 5,374 |
| Average earning assets | $74,067,800 | 5,539 |
| Average equity | $8,445,600 | 5,566 |
| Average total loans | $63,550,400 | 4,928 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7206% | 228 |
| Cost of funding earning assets | 1.6311% | 2,207 |
| Net interest margin | 5.0895% | 365 |
| Noninterest income to average assets | 1.4073% | 686 |
| Noninterest expense to average assets | 3.7680% | 1,436 |
| Loan and lease loss provision to assets | 0.3894% | 3,563 |
| Net operating income to assets | 0.9136% | 2,556 |
| Return on assets (ROA) | 0.9136% | 2,703 |
| Pretax return on assets | 1.5835% | 1,385 |
| Return on Equity (ROE) | 9.4581% | 2,332 |
| Retained earnings to average equity (ytd only) | 9.1407% | 1,014 |
| Net charge-offs to loans | 0.4656% | 3,424 |
| Credit loss provision to net charge-offs | 114.4144% | 3,655 |
| Earnings coverage of net charge-offs (x) | 5.7974% | 2,677 |
| Efficiency ratio | 65.6342% | 4,938 |
| Assets per employee ($millions) | 2.2067% | 7,381 |
| Cash dividends to net income (ytd only)* | 3.3562% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 5,599 |
| Loan loss allowance to noncurrent loans | 100.4043% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 2.1061% | 3,324 |
| Noncurrent loans to loans | 1.1733% | 4,902 |
| Net loans and leases to total assets | 70.8011% | 2,532 |
| Net loans and leases to deposits | 80.4268% | 3,372 |
| Net loans and leases to core deposits | 82.3427% | 4,192 |
| Total domestic deposits to total assets | 88.0318% | 1,937 |
| Equity capital to assets | 9.8610% | 4,340 |
| Core capital (leverage) ratio | 9.6799% | 3,651 |
| Tier 1 risk-based capital ratio | 15.3945% | 3,046 |
| Total risk-based capital ratio | 16.6438% | 3,014 |
| Memoranda: | ||
| Average total assets | $86,975,500 | 5,445 |
| Average earning assets | $74,058,750 | 5,603 |
| Average equity | $8,401,750 | 5,656 |
| Average total loans | $63,570,000 | 4,998 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6861% | 250 |
| Cost of funding earning assets | 1.6533% | 2,369 |
| Net interest margin | 5.0327% | 394 |
| Noninterest income to average assets | 1.4952% | 573 |
| Noninterest expense to average assets | 3.7807% | 1,396 |
| Loan and lease loss provision to assets | 0.4067% | 3,281 |
| Net operating income to assets | 0.9313% | 2,433 |
| Return on assets (ROA) | 0.9313% | 2,526 |
| Pretax return on assets | 1.6200% | 1,249 |
| Return on Equity (ROE) | 9.7097% | 2,207 |
| Retained earnings to average equity (ytd only) | 9.7097% | 912 |
| Net charge-offs to loans | 0.3800% | 3,460 |
| Credit loss provision to net charge-offs | 145.4545% | 2,727 |
| Earnings coverage of net charge-offs (x) | 7.2479% | 2,334 |
| Efficiency ratio | 65.1015% | 5,133 |
| Assets per employee ($millions) | 2.1991% | 7,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 5,452 |
| Loan loss allowance to noncurrent loans | 78.8501% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.9508% | 3,551 |
| Noncurrent loans to loans | 1.5238% | 4,427 |
| Net loans and leases to total assets | 71.7919% | 2,458 |
| Net loans and leases to deposits | 81.3058% | 3,383 |
| Net loans and leases to core deposits | 82.9668% | 4,285 |
| Total domestic deposits to total assets | 88.2986% | 1,829 |
| Equity capital to assets | 9.6937% | 4,411 |
| Core capital (leverage) ratio | 9.5158% | 3,799 |
| Tier 1 risk-based capital ratio | 15.0317% | 3,141 |
| Total risk-based capital ratio | 16.2822% | 3,111 |
| Memoranda: | ||
| Average total assets | $86,545,000 | 5,495 |
| Average earning assets | $74,154,330 | 5,635 |
| Average equity | $8,301,000 | 5,696 |
| Average total loans | $63,680,330 | 5,026 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6882% | 269 |
| Cost of funding earning assets | 1.6775% | 2,495 |
| Net interest margin | 5.0107% | 410 |
| Noninterest income to average assets | 1.4959% | 537 |
| Noninterest expense to average assets | 3.5789% | 1,789 |
| Loan and lease loss provision to assets | 0.4567% | 2,685 |
| Net operating income to assets | 1.0811% | 1,889 |
| Return on assets (ROA) | 1.0811% | 1,969 |
| Pretax return on assets | 1.7755% | 925 |
| Return on Equity (ROE) | 11.3337% | 1,686 |
| Retained earnings to average equity (ytd only) | 11.3337% | 860 |
| Net charge-offs to loans | 0.3650% | 2,954 |
| Credit loss provision to net charge-offs | 168.9655% | 2,156 |
| Earnings coverage of net charge-offs (x) | 8.2586% | 1,975 |
| Efficiency ratio | 61.5878% | 5,900 |
| Assets per employee ($millions) | 2.1874% | 7,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 5,600 |
| Loan loss allowance to noncurrent loans | 51.6461% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 2.1830% | 3,297 |
| Noncurrent loans to loans | 2.2863% | 3,406 |
| Net loans and leases to total assets | 72.0258% | 2,438 |
| Net loans and leases to deposits | 81.4841% | 3,370 |
| Net loans and leases to core deposits | 81.4841% | 4,559 |
| Total domestic deposits to total assets | 88.3925% | 1,854 |
| Equity capital to assets | 9.4965% | 4,539 |
| Core capital (leverage) ratio | 9.3743% | 3,942 |
| Tier 1 risk-based capital ratio | 14.7160% | 3,251 |
| Total risk-based capital ratio | 15.9659% | 3,216 |
| Memoranda: | ||
| Average total assets | $85,835,500 | 5,577 |
| Average earning assets | $73,921,500 | 5,708 |
| Average equity | $8,188,000 | 5,778 |
| Average total loans | $63,561,000 | 5,108 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8415% | 357 |
| Cost of funding earning assets | 1.8833% | 3,545 |
| Net interest margin | 4.9582% | 491 |
| Noninterest income to average assets | 1.6155% | 555 |
| Noninterest expense to average assets | 4.1785% | 1,117 |
| Loan and lease loss provision to assets | 0.4891% | 3,929 |
| Net operating income to assets | 0.8176% | 2,465 |
| Return on assets (ROA) | 0.8176% | 2,553 |
| Pretax return on assets | 1.3949% | 1,450 |
| Return on Equity (ROE) | 8.5918% | 2,166 |
| Retained earnings to average equity (ytd only) | 6.1830% | 1,280 |
| Net charge-offs to loans | 0.5115% | 3,735 |
| Credit loss provision to net charge-offs | 125.8675% | 4,150 |
| Earnings coverage of net charge-offs (x) | 4.8486% | 2,786 |
| Efficiency ratio | 68.9244% | 4,841 |
| Assets per employee ($millions) | 2.1044% | 7,650 |
| Cash dividends to net income (ytd only)* | 28.0360% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 5,775 |
| Loan loss allowance to noncurrent loans | 58.0619% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 2.0148% | 3,377 |
| Noncurrent loans to loans | 1.9384% | 3,745 |
| Net loans and leases to total assets | 74.4119% | 2,162 |
| Net loans and leases to deposits | 84.5281% | 3,175 |
| Net loans and leases to core deposits | 105.3378% | 3,414 |
| Total domestic deposits to total assets | 88.0322% | 1,962 |
| Equity capital to assets | 9.5835% | 4,291 |
| Core capital (leverage) ratio | 9.4587% | 3,773 |
| Tier 1 risk-based capital ratio | 14.5455% | 3,178 |
| Total risk-based capital ratio | 15.7950% | 3,131 |
| Memoranda: | ||
| Average total assets | $81,585,200 | 5,681 |
| Average earning assets | $73,171,000 | 5,713 |
| Average equity | $7,763,200 | 6,005 |
| Average total loans | $61,976,600 | 5,170 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8381% | 392 |
| Cost of funding earning assets | 1.9053% | 3,856 |
| Net interest margin | 4.9328% | 512 |
| Noninterest income to average assets | 1.5781% | 591 |
| Noninterest expense to average assets | 4.3440% | 862 |
| Loan and lease loss provision to assets | 0.5535% | 3,167 |
| Net operating income to assets | 0.4069% | 4,370 |
| Return on assets (ROA) | 0.4069% | 4,474 |
| Pretax return on assets | 1.1334% | 2,465 |
| Return on Equity (ROE) | 4.2841% | 4,257 |
| Retained earnings to average equity (ytd only) | 4.2841% | 2,881 |
| Net charge-offs to loans | 0.6274% | 2,798 |
| Credit loss provision to net charge-offs | 115.8621% | 4,383 |
| Earnings coverage of net charge-offs (x) | 3.5310% | 3,491 |
| Efficiency ratio | 72.0295% | 4,237 |
| Assets per employee ($millions) | 2.0623% | 7,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 5,859 |
| Loan loss allowance to noncurrent loans | 66.9634% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.6850% | 3,851 |
| Noncurrent loans to loans | 1.6074% | 4,226 |
| Net loans and leases to total assets | 75.4231% | 2,120 |
| Net loans and leases to deposits | 85.6231% | 3,396 |
| Net loans and leases to core deposits | 107.1283% | 3,579 |
| Total domestic deposits to total assets | 88.0873% | 1,617 |
| Equity capital to assets | 9.5136% | 4,732 |
| Core capital (leverage) ratio | 9.3708% | 4,088 |
| Tier 1 risk-based capital ratio | 14.3976% | 3,331 |
| Total risk-based capital ratio | 15.6475% | 3,275 |
| Memoranda: | ||
| Average total assets | $80,937,500 | 5,730 |
| Average earning assets | $73,059,500 | 5,751 |
| Average equity | $7,687,250 | 6,088 |
| Average total loans | $61,633,250 | 5,219 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7576% | 489 |
| Cost of funding earning assets | 1.8966% | 4,283 |
| Net interest margin | 4.8610% | 587 |
| Noninterest income to average assets | 1.5767% | 605 |
| Noninterest expense to average assets | 4.5686% | 727 |
| Loan and lease loss provision to assets | 0.6789% | 2,395 |
| Net operating income to assets | 0.0075% | 5,818 |
| Return on assets (ROA) | 0.0075% | 5,896 |
| Pretax return on assets | 0.7337% | 3,885 |
| Return on Equity (ROE) | 0.0786% | 5,894 |
| Retained earnings to average equity (ytd only) | 0.0786% | 5,170 |
| Net charge-offs to loans | 0.9573% | 1,816 |
| Credit loss provision to net charge-offs | 93.1741% | 4,828 |
| Earnings coverage of net charge-offs (x) | 1.9386% | 4,132 |
| Efficiency ratio | 76.3825% | 3,625 |
| Assets per employee ($millions) | 2.0537% | 7,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 6,336 |
| Loan loss allowance to noncurrent loans | 54.0230% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 1.8381% | 3,418 |
| Noncurrent loans to loans | 1.8286% | 3,768 |
| Net loans and leases to total assets | 74.5496% | 2,557 |
| Net loans and leases to deposits | 84.1546% | 3,852 |
| Net loans and leases to core deposits | 106.1590% | 3,820 |
| Total domestic deposits to total assets | 88.5865% | 1,487 |
| Equity capital to assets | 9.1773% | 5,051 |
| Core capital (leverage) ratio | 9.1099% | 4,446 |
| Tier 1 risk-based capital ratio | 14.2205% | 3,393 |
| Total risk-based capital ratio | 15.3830% | 3,379 |
| Memoranda: | ||
| Average total assets | $80,419,330 | 5,784 |
| Average earning assets | $72,866,330 | 5,793 |
| Average equity | $7,633,670 | 6,137 |
| Average total loans | $61,212,670 | 5,284 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8643% | 432 |
| Cost of funding earning assets | 1.8902% | 4,680 |
| Net interest margin | 4.9741% | 427 |
| Noninterest income to average assets | 1.5436% | 581 |
| Noninterest expense to average assets | 3.7861% | 1,495 |
| Loan and lease loss provision to assets | 0.5531% | 2,265 |
| Net operating income to assets | 1.0056% | 2,288 |
| Return on assets (ROA) | 1.0056% | 2,426 |
| Pretax return on assets | 1.7296% | 1,122 |
| Return on Equity (ROE) | 10.4153% | 2,160 |
| Retained earnings to average equity (ytd only) | 10.4153% | 1,092 |
| Net charge-offs to loans | 0.4270% | 2,393 |
| Credit loss provision to net charge-offs | 169.2308% | 2,529 |
| Earnings coverage of net charge-offs (x) | 6.9846% | 2,407 |
| Efficiency ratio | 62.3861% | 5,982 |
| Assets per employee ($millions) | 2.0444% | 7,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 5,646 |
| Loan loss allowance to noncurrent loans | 57.6687% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 1.8221% | 3,183 |
| Noncurrent loans to loans | 1.8653% | 3,469 |
| Net loans and leases to total assets | 73.9969% | 2,758 |
| Net loans and leases to deposits | 83.9696% | 3,989 |
| Net loans and leases to core deposits | 103.0378% | 4,240 |
| Total domestic deposits to total assets | 88.1235% | 1,689 |
| Equity capital to assets | 9.5323% | 4,626 |
| Core capital (leverage) ratio | 9.4037% | 4,102 |
| Tier 1 risk-based capital ratio | 14.6474% | 3,231 |
| Total risk-based capital ratio | 15.8981% | 3,161 |
| Memoranda: | ||
| Average total assets | $79,555,000 | 5,840 |
| Average earning assets | $72,374,500 | 5,828 |
| Average equity | $7,681,000 | 6,162 |
| Average total loans | $60,893,000 | 5,325 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5316% | 392 |
| Cost of funding earning assets | 2.3190% | 5,061 |
| Net interest margin | 5.2126% | 333 |
| Noninterest income to average assets | 1.7776% | 430 |
| Noninterest expense to average assets | 4.1829% | 1,165 |
| Loan and lease loss provision to assets | 0.2756% | 4,188 |
| Net operating income to assets | 1.2910% | 1,511 |
| Return on assets (ROA) | 1.2910% | 1,463 |
| Pretax return on assets | 2.0202% | 573 |
| Return on Equity (ROE) | 13.2047% | 1,281 |
| Retained earnings to average equity (ytd only) | 3.0078% | 3,301 |
| Net charge-offs to loans | 0.3076% | 3,342 |
| Credit loss provision to net charge-offs | 112.9730% | 4,777 |
| Earnings coverage of net charge-offs (x) | 9.4108% | 2,691 |
| Efficiency ratio | 64.5634% | 5,431 |
| Assets per employee ($millions) | 1.9334% | 7,963 |
| Cash dividends to net income (ytd only)* | 77.2217% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 5,903 |
| Loan loss allowance to noncurrent loans | 92.1922% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.2698% | 3,685 |
| Noncurrent loans to loans | 1.0987% | 4,362 |
| Net loans and leases to total assets | 77.5884% | 2,239 |
| Net loans and leases to deposits | 88.3527% | 3,749 |
| Net loans and leases to core deposits | 106.8106% | 4,105 |
| Total domestic deposits to total assets | 87.8166% | 1,553 |
| Equity capital to assets | 9.7847% | 4,313 |
| Core capital (leverage) ratio | 9.6798% | 3,792 |
| Tier 1 risk-based capital ratio | 14.4849% | 3,302 |
| Total risk-based capital ratio | 15.6753% | 3,241 |
| Memoranda: | ||
| Average total assets | $75,832,600 | 5,844 |
| Average earning assets | $68,391,600 | 5,878 |
| Average equity | $7,414,000 | 6,307 |
| Average total loans | $60,149,600 | 5,257 |