Home > Citizens Guaranty Bank > Performance and Condition Ratios
Citizens Guaranty Bank, 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 | 5.8571% | 767 |
| Cost of funding earning assets | 1.4341% | 2,135 |
| Net interest margin | 4.4230% | 689 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 4.0578% | 350 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.7575% | 3,022 |
| Return on assets (ROA) | 0.7575% | 2,997 |
| Pretax return on assets | 0.7628% | 3,305 |
| Return on Equity (ROE) | 11.4300% | 2,117 |
| Retained earnings to average equity (ytd only) | 9.2433% | 1,197 |
| Net charge-offs to loans | 0.1572% | 662 |
| Credit loss provision to net charge-offs | 79.5866% | 2,027 |
| Earnings coverage of net charge-offs (x) | 6.3798% | 2,472 |
| Efficiency ratio | 82.3188% | 759 |
| Assets per employee ($millions) | 3.6057% | 4,270 |
| Cash dividends to net income (ytd only)* | 19.1053% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 2,298 |
| Loan loss allowance to noncurrent loans | 103.5887% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 1.0996% | 421 |
| Noncurrent loans to loans | 1.1582% | 625 |
| Net loans and leases to total assets | 89.0400% | 56 |
| Net loans and leases to deposits | 101.5174% | 459 |
| Net loans and leases to core deposits | 110.5879% | 938 |
| Total domestic deposits to total assets | 87.7100% | 1,448 |
| Equity capital to assets | 7.3568% | 3,788 |
| Core capital (leverage) ratio | 7.6417% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4974% | 2,719 |
| Memoranda: | ||
| Average total assets | $283,283,800 | 2,504 |
| Average earning assets | $264,687,200 | 2,495 |
| Average equity | $18,781,200 | 2,956 |
| Average total loans | $246,199,200 | 2,021 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7454% | 737 |
| Cost of funding earning assets | 1.3493% | 2,006 |
| Net interest margin | 4.3961% | 705 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 4.1433% | 332 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.7385% | 3,206 |
| Return on assets (ROA) | 0.7385% | 3,196 |
| Pretax return on assets | 0.7437% | 3,462 |
| Return on Equity (ROE) | 11.4500% | 2,269 |
| Retained earnings to average equity (ytd only) | 8.9127% | 1,709 |
| Net charge-offs to loans | 0.0669% | 1,003 |
| Credit loss provision to net charge-offs | 24.3902% | 1,996 |
| Earnings coverage of net charge-offs (x) | 13.1545% | 2,046 |
| Efficiency ratio | 84.5389% | 582 |
| Assets per employee ($millions) | 3.4761% | 4,327 |
| Cash dividends to net income (ytd only)* | 22.1306% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 2,264 |
| Loan loss allowance to noncurrent loans | 107.8700% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 1.0518% | 476 |
| Noncurrent loans to loans | 1.1315% | 696 |
| Net loans and leases to total assets | 86.9600% | 123 |
| Net loans and leases to deposits | 98.0620% | 614 |
| Net loans and leases to core deposits | 106.5911% | 989 |
| Total domestic deposits to total assets | 88.6800% | 1,350 |
| Equity capital to assets | 6.9964% | 3,609 |
| Core capital (leverage) ratio | 7.2314% | 4,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4121% | 2,749 |
| Memoranda: | ||
| Average total assets | $284,695,750 | 2,498 |
| Average earning assets | $265,318,500 | 2,491 |
| Average equity | $18,370,250 | 2,974 |
| Average total loans | $245,197,000 | 2,026 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6047% | 725 |
| Cost of funding earning assets | 1.2652% | 1,807 |
| Net interest margin | 4.3396% | 761 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 4.1346% | 317 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.6602% | 3,434 |
| Return on assets (ROA) | 0.6602% | 3,438 |
| Pretax return on assets | 0.6657% | 3,673 |
| Return on Equity (ROE) | 10.5200% | 2,551 |
| Retained earnings to average equity (ytd only) | 6.6414% | 2,399 |
| Net charge-offs to loans | 0.0636% | 920 |
| Credit loss provision to net charge-offs | 38.4615% | 1,715 |
| Earnings coverage of net charge-offs (x) | 12.6282% | 1,931 |
| Efficiency ratio | 85.7577% | 506 |
| Assets per employee ($millions) | 3.5061% | 4,347 |
| Cash dividends to net income (ytd only)* | 36.8532% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 2,195 |
| Loan loss allowance to noncurrent loans | 134.8000% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.8365% | 604 |
| Noncurrent loans to loans | 0.9241% | 831 |
| Net loans and leases to total assets | 83.6400% | 296 |
| Net loans and leases to deposits | 96.3520% | 713 |
| Net loans and leases to core deposits | 106.2103% | 976 |
| Total domestic deposits to total assets | 86.8000% | 1,988 |
| Equity capital to assets | 6.6233% | 3,939 |
| Core capital (leverage) ratio | 6.8485% | 4,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7909% | 2,871 |
| Memoranda: | ||
| Average total assets | $286,899,333 | 2,494 |
| Average earning assets | $266,524,333 | 2,492 |
| Average equity | $18,008,333 | 3,022 |
| Average total loans | $245,327,000 | 2,020 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3985% | 718 |
| Cost of funding earning assets | 1.1504% | 1,594 |
| Net interest margin | 4.2481% | 880 |
| Noninterest income to average assets | 0.8200% | 816 |
| Noninterest expense to average assets | 4.0768% | 341 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.6434% | 3,599 |
| Return on assets (ROA) | 0.6434% | 3,563 |
| Pretax return on assets | 0.6448% | 3,765 |
| Return on Equity (ROE) | 10.5400% | 2,623 |
| Retained earnings to average equity (ytd only) | 4.9853% | 3,022 |
| Net charge-offs to loans | 0.0065% | 1,711 |
| Credit loss provision to net charge-offs | 750.0000% | 428 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 697 |
| Efficiency ratio | 85.5845% | 525 |
| Assets per employee ($millions) | 3.4409% | 4,423 |
| Cash dividends to net income (ytd only)* | 52.7115% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 2,218 |
| Loan loss allowance to noncurrent loans | 137.0534% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.8435% | 556 |
| Noncurrent loans to loans | 0.9224% | 816 |
| Net loans and leases to total assets | 82.9700% | 299 |
| Net loans and leases to deposits | 97.0162% | 598 |
| Net loans and leases to core deposits | 107.3724% | 784 |
| Total domestic deposits to total assets | 85.5200% | 2,718 |
| Equity capital to assets | 6.4238% | 4,057 |
| Core capital (leverage) ratio | 6.9396% | 4,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5839% | 2,990 |
| Memoranda: | ||
| Average total assets | $286,599,000 | 2,531 |
| Average earning assets | $265,998,500 | 2,528 |
| Average equity | $17,491,500 | 3,093 |
| Average total loans | $246,244,500 | 2,044 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2403% | 212 |
| Cost of funding earning assets | 0.5180% | 1,279 |
| Net interest margin | 4.7223% | 196 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 4.1263% | 304 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.9661% | 2,698 |
| Return on assets (ROA) | 0.9525% | 2,708 |
| Pretax return on assets | 0.9575% | 3,200 |
| Return on Equity (ROE) | 15.5600% | 1,131 |
| Retained earnings to average equity (ytd only) | 6.6253% | 2,400 |
| Net charge-offs to loans | 0.1453% | 564 |
| Credit loss provision to net charge-offs | 95.8824% | 1,594 |
| Earnings coverage of net charge-offs (x) | 8.4853% | 2,266 |
| Efficiency ratio | 79.0304% | 788 |
| Assets per employee ($millions) | 3.3420% | 4,477 |
| Cash dividends to net income (ytd only)* | 57.4104% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 2,159 |
| Loan loss allowance to noncurrent loans | 171.3571% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.7117% | 674 |
| Noncurrent loans to loans | 0.7287% | 1,031 |
| Net loans and leases to total assets | 86.7900% | 114 |
| Net loans and leases to deposits | 104.3072% | 287 |
| Net loans and leases to core deposits | 115.8915% | 446 |
| Total domestic deposits to total assets | 83.2100% | 3,373 |
| Equity capital to assets | 5.7690% | 4,165 |
| Core capital (leverage) ratio | 6.2846% | 4,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.4280% | 3,047 |
| Memoranda: | ||
| Average total assets | $263,505,400 | 2,643 |
| Average earning assets | $247,888,000 | 2,630 |
| Average equity | $16,135,000 | 3,264 |
| Average total loans | $233,955,600 | 2,032 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1371% | 175 |
| Cost of funding earning assets | 0.4148% | 1,191 |
| Net interest margin | 4.7223% | 165 |
| Noninterest income to average assets | 0.8000% | 1,027 |
| Noninterest expense to average assets | 4.1856% | 293 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.9300% | 2,760 |
| Return on assets (ROA) | 0.9300% | 2,727 |
| Pretax return on assets | 0.9352% | 3,222 |
| Return on Equity (ROE) | 14.9500% | 1,187 |
| Retained earnings to average equity (ytd only) | 7.4026% | 2,230 |
| Net charge-offs to loans | 0.0670% | 824 |
| Credit loss provision to net charge-offs | 229.3103% | 924 |
| Earnings coverage of net charge-offs (x) | 17.9655% | 1,775 |
| Efficiency ratio | 79.6106% | 795 |
| Assets per employee ($millions) | 3.3212% | 4,520 |
| Cash dividends to net income (ytd only)* | 50.4978% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 1,809 |
| Loan loss allowance to noncurrent loans | 169.0104% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.7128% | 726 |
| Noncurrent loans to loans | 0.7980% | 1,008 |
| Net loans and leases to total assets | 86.1000% | 114 |
| Net loans and leases to deposits | 100.3407% | 354 |
| Net loans and leases to core deposits | 111.3076% | 431 |
| Total domestic deposits to total assets | 85.8100% | 3,107 |
| Equity capital to assets | 5.6937% | 4,077 |
| Core capital (leverage) ratio | 6.3724% | 4,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.8285% | 3,112 |
| Memoranda: | ||
| Average total assets | $259,200,500 | 2,690 |
| Average earning assets | $244,904,000 | 2,661 |
| Average equity | $16,120,000 | 3,303 |
| Average total loans | $230,762,250 | 2,046 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1032% | 144 |
| Cost of funding earning assets | 0.3438% | 1,327 |
| Net interest margin | 4.7594% | 138 |
| Noninterest income to average assets | 0.8048% | 1,030 |
| Noninterest expense to average assets | 4.1787% | 254 |
| Loan and lease loss provision to assets | 0.1072% | 928 |
| Net operating income to assets | 1.0098% | 2,118 |
| Return on assets (ROA) | 1.0098% | 2,089 |
| Pretax return on assets | 1.0153% | 2,670 |
| Return on Equity (ROE) | 15.7548% | 746 |
| Retained earnings to average equity (ytd only) | 9.3840% | 1,180 |
| Net charge-offs to loans | 0.0862% | 639 |
| Credit loss provision to net charge-offs | 138.7755% | 1,126 |
| Earnings coverage of net charge-offs (x) | 14.5306% | 1,654 |
| Efficiency ratio | 78.8253% | 1,030 |
| Assets per employee ($millions) | 3.2012% | 4,596 |
| Cash dividends to net income (ytd only)* | 40.4372% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 1,995 |
| Loan loss allowance to noncurrent loans | 178.7222% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.6934% | 780 |
| Noncurrent loans to loans | 0.7512% | 1,144 |
| Net loans and leases to total assets | 88.7888% | 33 |
| Net loans and leases to deposits | 104.0927% | 165 |
| Net loans and leases to core deposits | 111.7446% | 321 |
| Total domestic deposits to total assets | 85.2978% | 3,413 |
| Equity capital to assets | 6.2489% | 4,118 |
| Core capital (leverage) ratio | 6.6978% | 4,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.0917% | 3,080 |
| Memoranda: | ||
| Average total assets | $253,715,333 | 2,748 |
| Average earning assets | $239,691,667 | 2,724 |
| Average equity | $16,261,667 | 3,384 |
| Average total loans | $227,484,667 | 2,068 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1618% | 123 |
| Cost of funding earning assets | 0.3379% | 1,307 |
| Net interest margin | 4.8239% | 117 |
| Noninterest income to average assets | 0.8226% | 988 |
| Noninterest expense to average assets | 4.1271% | 256 |
| Loan and lease loss provision to assets | 0.1212% | 687 |
| Net operating income to assets | 1.1206% | 1,473 |
| Return on assets (ROA) | 1.1206% | 1,465 |
| Pretax return on assets | 1.1254% | 2,065 |
| Return on Equity (ROE) | 17.2611% | 395 |
| Retained earnings to average equity (ytd only) | 12.8906% | 478 |
| Net charge-offs to loans | 0.0018% | 1,766 |
| Credit loss provision to net charge-offs | 7,600.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 782.0000% | 123 |
| Efficiency ratio | 76.8021% | 1,435 |
| Assets per employee ($millions) | 3.2940% | 4,611 |
| Cash dividends to net income (ytd only)* | 25.3201% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 1,906 |
| Loan loss allowance to noncurrent loans | 144.8150% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.8630% | 622 |
| Noncurrent loans to loans | 0.9662% | 939 |
| Net loans and leases to total assets | 88.0737% | 28 |
| Net loans and leases to deposits | 100.2810% | 168 |
| Net loans and leases to core deposits | 107.3598% | 320 |
| Total domestic deposits to total assets | 87.8269% | 2,612 |
| Equity capital to assets | 6.3929% | 4,471 |
| Core capital (leverage) ratio | 6.6857% | 4,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1197% | 3,087 |
| Memoranda: | ||
| Average total assets | $250,926,000 | 2,782 |
| Average earning assets | $236,739,500 | 2,757 |
| Average equity | $16,291,000 | 3,447 |
| Average total loans | $224,548,500 | 2,075 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2766% | 175 |
| Cost of funding earning assets | 0.5147% | 871 |
| Net interest margin | 4.7619% | 185 |
| Noninterest income to average assets | 0.7892% | 1,472 |
| Noninterest expense to average assets | 4.0073% | 284 |
| Loan and lease loss provision to assets | 0.2032% | 521 |
| Net operating income to assets | 1.0812% | 2,362 |
| Return on assets (ROA) | 1.0866% | 2,420 |
| Pretax return on assets | 1.0920% | 3,002 |
| Return on Equity (ROE) | 16.9205% | 602 |
| Retained earnings to average equity (ytd only) | 10.8890% | 725 |
| Net charge-offs to loans | 0.0014% | 2,609 |
| Credit loss provision to net charge-offs | 16,266.6667% | 44 |
| Earnings coverage of net charge-offs (x) | 1,032.3333% | 145 |
| Efficiency ratio | 75.6506% | 1,135 |
| Assets per employee ($millions) | 3.2659% | 4,640 |
| Cash dividends to net income (ytd only)* | 35.6458% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 1,947 |
| Loan loss allowance to noncurrent loans | 158.8809% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.7848% | 767 |
| Noncurrent loans to loans | 0.8754% | 1,162 |
| Net loans and leases to total assets | 88.4091% | 25 |
| Net loans and leases to deposits | 100.5282% | 184 |
| Net loans and leases to core deposits | 107.3859% | 337 |
| Total domestic deposits to total assets | 87.9445% | 2,074 |
| Equity capital to assets | 6.5940% | 4,780 |
| Core capital (leverage) ratio | 6.3425% | 4,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1000% | 3,083 |
| Memoranda: | ||
| Average total assets | $240,110,200 | 2,792 |
| Average earning assets | $227,306,600 | 2,764 |
| Average equity | $15,419,200 | 3,592 |
| Average total loans | $207,398,200 | 2,190 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1992% | 223 |
| Cost of funding earning assets | 0.5534% | 816 |
| Net interest margin | 4.6458% | 245 |
| Noninterest income to average assets | 0.8031% | 1,518 |
| Noninterest expense to average assets | 4.0108% | 279 |
| Loan and lease loss provision to assets | 0.1819% | 590 |
| Net operating income to assets | 1.0003% | 2,907 |
| Return on assets (ROA) | 1.0075% | 2,944 |
| Pretax return on assets | 1.0131% | 3,416 |
| Return on Equity (ROE) | 15.7988% | 990 |
| Retained earnings to average equity (ytd only) | 7.6315% | 2,168 |
| Net charge-offs to loans | -0.0085% | 3,609 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1518% | 946 |
| Assets per employee ($millions) | 3.5459% | 4,631 |
| Cash dividends to net income (ytd only)* | 51.6954% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 2,125 |
| Loan loss allowance to noncurrent loans | 152.3514% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7579% | 957 |
| Noncurrent loans to loans | 0.9028% | 1,275 |
| Net loans and leases to total assets | 82.7969% | 153 |
| Net loans and leases to deposits | 94.6281% | 396 |
| Net loans and leases to core deposits | 101.5161% | 537 |
| Total domestic deposits to total assets | 87.4972% | 2,110 |
| Equity capital to assets | 6.1413% | 4,882 |
| Core capital (leverage) ratio | 6.1609% | 4,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.9770% | 3,116 |
| Memoranda: | ||
| Average total assets | $238,085,000 | 2,832 |
| Average earning assets | $225,260,000 | 2,801 |
| Average equity | $15,182,250 | 3,664 |
| Average total loans | $203,613,750 | 2,247 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0682% | 307 |
| Cost of funding earning assets | 0.5959% | 761 |
| Net interest margin | 4.4723% | 370 |
| Noninterest income to average assets | 0.7919% | 1,562 |
| Noninterest expense to average assets | 4.0138% | 291 |
| Loan and lease loss provision to assets | 0.1937% | 577 |
| Net operating income to assets | 0.8041% | 3,502 |
| Return on assets (ROA) | 0.8152% | 3,538 |
| Pretax return on assets | 0.8203% | 3,819 |
| Return on Equity (ROE) | 12.6127% | 1,846 |
| Retained earnings to average equity (ytd only) | 3.8224% | 3,577 |
| Net charge-offs to loans | -0.0100% | 3,668 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0103% | 781 |
| Assets per employee ($millions) | 3.3628% | 4,709 |
| Cash dividends to net income (ytd only)* | 69.6938% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 2,142 |
| Loan loss allowance to noncurrent loans | 141.7539% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.8289% | 954 |
| Noncurrent loans to loans | 0.9612% | 1,285 |
| Net loans and leases to total assets | 85.0592% | 104 |
| Net loans and leases to deposits | 97.6645% | 324 |
| Net loans and leases to core deposits | 105.1823% | 497 |
| Total domestic deposits to total assets | 87.0933% | 2,267 |
| Equity capital to assets | 6.2530% | 4,910 |
| Core capital (leverage) ratio | 6.1304% | 4,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.9393% | 3,098 |
| Memoranda: | ||
| Average total assets | $232,345,667 | 2,867 |
| Average earning assets | $219,485,667 | 2,834 |
| Average equity | $15,016,667 | 3,679 |
| Average total loans | $200,041,333 | 2,277 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0723% | 316 |
| Cost of funding earning assets | 0.6170% | 815 |
| Net interest margin | 4.4552% | 387 |
| Noninterest income to average assets | 0.7826% | 1,627 |
| Noninterest expense to average assets | 4.0746% | 269 |
| Loan and lease loss provision to assets | 0.2638% | 377 |
| Net operating income to assets | 0.6419% | 3,831 |
| Return on assets (ROA) | 0.6419% | 3,902 |
| Pretax return on assets | 0.6472% | 4,112 |
| Return on Equity (ROE) | 9.7626% | 2,768 |
| Retained earnings to average equity (ytd only) | 0.8024% | 4,254 |
| Net charge-offs to loans | -0.0041% | 3,321 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7284% | 714 |
| Assets per employee ($millions) | 3.4063% | 4,729 |
| Cash dividends to net income (ytd only)* | 91.7808% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 2,095 |
| Loan loss allowance to noncurrent loans | 117.9838% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.9960% | 831 |
| Noncurrent loans to loans | 1.1626% | 1,142 |
| Net loans and leases to total assets | 84.4953% | 131 |
| Net loans and leases to deposits | 97.7824% | 352 |
| Net loans and leases to core deposits | 105.9314% | 516 |
| Total domestic deposits to total assets | 86.4116% | 2,568 |
| Equity capital to assets | 6.3581% | 4,914 |
| Core capital (leverage) ratio | 6.4447% | 4,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.8997% | 3,075 |
| Memoranda: | ||
| Average total assets | $227,457,000 | 2,883 |
| Average earning assets | $214,578,500 | 2,858 |
| Average equity | $14,955,000 | 3,694 |
| Average total loans | $195,665,500 | 2,312 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3609% | 233 |
| Cost of funding earning assets | 0.9543% | 706 |
| Net interest margin | 4.4067% | 399 |
| Noninterest income to average assets | 0.8225% | 1,471 |
| Noninterest expense to average assets | 3.9767% | 390 |
| Loan and lease loss provision to assets | 0.1929% | 2,025 |
| Net operating income to assets | 0.8033% | 3,076 |
| Return on assets (ROA) | 0.8080% | 3,177 |
| Pretax return on assets | 0.8080% | 3,613 |
| Return on Equity (ROE) | 11.9765% | 1,327 |
| Retained earnings to average equity (ytd only) | 6.8985% | 1,428 |
| Net charge-offs to loans | 0.0601% | 1,918 |
| Credit loss provision to net charge-offs | 383.1776% | 1,485 |
| Earnings coverage of net charge-offs (x) | 19.7850% | 1,962 |
| Efficiency ratio | 79.9678% | 896 |
| Assets per employee ($millions) | 3.0968% | 4,793 |
| Cash dividends to net income (ytd only)* | 42.3995% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3744% | 2,086 |
| Loan loss allowance to noncurrent loans | 113.4231% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 1.0606% | 879 |
| Noncurrent loans to loans | 1.2118% | 1,152 |
| Net loans and leases to total assets | 85.2126% | 123 |
| Net loans and leases to deposits | 99.7625% | 381 |
| Net loans and leases to core deposits | 108.2798% | 561 |
| Total domestic deposits to total assets | 85.4154% | 2,607 |
| Equity capital to assets | 6.8066% | 4,932 |
| Core capital (leverage) ratio | 6.5627% | 4,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3550% | 3,096 |
| Memoranda: | ||
| Average total assets | $212,511,000 | 2,845 |
| Average earning assets | $200,152,000 | 2,821 |
| Average equity | $14,336,400 | 3,715 |
| Average total loans | $178,146,400 | 2,425 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3638% | 300 |
| Cost of funding earning assets | 1.0342% | 678 |
| Net interest margin | 4.3296% | 553 |
| Noninterest income to average assets | 0.8449% | 1,363 |
| Noninterest expense to average assets | 4.0733% | 363 |
| Loan and lease loss provision to assets | 0.1172% | 2,858 |
| Net operating income to assets | 0.7322% | 3,348 |
| Return on assets (ROA) | 0.7386% | 3,424 |
| Pretax return on assets | 0.7386% | 3,803 |
| Return on Equity (ROE) | 10.9737% | 1,687 |
| Retained earnings to average equity (ytd only) | 5.3787% | 2,390 |
| Net charge-offs to loans | 0.0160% | 2,561 |
| Credit loss provision to net charge-offs | 880.9524% | 916 |
| Earnings coverage of net charge-offs (x) | 63.9048% | 1,058 |
| Efficiency ratio | 82.7462% | 694 |
| Assets per employee ($millions) | 3.1974% | 4,783 |
| Cash dividends to net income (ytd only)* | 50.9854% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 1,930 |
| Loan loss allowance to noncurrent loans | 97.8226% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.1876% | 853 |
| Noncurrent loans to loans | 1.3858% | 1,050 |
| Net loans and leases to total assets | 82.6995% | 386 |
| Net loans and leases to deposits | 97.5595% | 655 |
| Net loans and leases to core deposits | 106.0302% | 847 |
| Total domestic deposits to total assets | 84.7683% | 2,521 |
| Equity capital to assets | 6.7155% | 4,976 |
| Core capital (leverage) ratio | 6.4516% | 5,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2305% | 3,118 |
| Memoranda: | ||
| Average total assets | $210,669,750 | 2,843 |
| Average earning assets | $198,411,750 | 2,821 |
| Average equity | $14,179,000 | 3,737 |
| Average total loans | $175,189,750 | 2,443 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4539% | 362 |
| Cost of funding earning assets | 1.1523% | 605 |
| Net interest margin | 4.3016% | 753 |
| Noninterest income to average assets | 0.8886% | 1,194 |
| Noninterest expense to average assets | 4.0630% | 383 |
| Loan and lease loss provision to assets | 0.1535% | 2,467 |
| Net operating income to assets | 0.7235% | 3,307 |
| Return on assets (ROA) | 0.7331% | 3,384 |
| Pretax return on assets | 0.7331% | 3,787 |
| Return on Equity (ROE) | 10.8845% | 1,673 |
| Retained earnings to average equity (ytd only) | 4.9721% | 2,489 |
| Net charge-offs to loans | 0.0336% | 2,063 |
| Credit loss provision to net charge-offs | 551.7241% | 1,160 |
| Earnings coverage of net charge-offs (x) | 31.5172% | 1,393 |
| Efficiency ratio | 82.2455% | 747 |
| Assets per employee ($millions) | 3.1862% | 4,796 |
| Cash dividends to net income (ytd only)* | 54.3194% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 1,609 |
| Loan loss allowance to noncurrent loans | 111.2226% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 1.0897% | 1,054 |
| Noncurrent loans to loans | 1.2530% | 1,245 |
| Net loans and leases to total assets | 79.6175% | 636 |
| Net loans and leases to deposits | 94.2814% | 935 |
| Net loans and leases to core deposits | 104.1937% | 988 |
| Total domestic deposits to total assets | 84.4467% | 2,578 |
| Equity capital to assets | 6.6376% | 5,008 |
| Core capital (leverage) ratio | 6.3739% | 5,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5563% | 3,192 |
| Memoranda: | ||
| Average total assets | $208,419,000 | 2,838 |
| Average earning assets | $196,300,667 | 2,819 |
| Average equity | $14,038,333 | 3,757 |
| Average total loans | $172,827,000 | 2,448 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5714% | 322 |
| Cost of funding earning assets | 1.3026% | 559 |
| Net interest margin | 4.2688% | 812 |
| Noninterest income to average assets | 1.0964% | 713 |
| Noninterest expense to average assets | 4.1528% | 427 |
| Loan and lease loss provision to assets | 0.2741% | 1,139 |
| Net operating income to assets | 0.6990% | 3,272 |
| Return on assets (ROA) | 0.7186% | 3,297 |
| Pretax return on assets | 0.7186% | 3,629 |
| Return on Equity (ROE) | 10.5863% | 1,538 |
| Retained earnings to average equity (ytd only) | 0.7788% | 3,796 |
| Net charge-offs to loans | 0.0326% | 1,737 |
| Credit loss provision to net charge-offs | 1,000.0000% | 564 |
| Earnings coverage of net charge-offs (x) | 35.5000% | 1,083 |
| Efficiency ratio | 81.0160% | 1,040 |
| Assets per employee ($millions) | 3.1491% | 4,724 |
| Cash dividends to net income (ytd only)* | 92.6431% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 1,707 |
| Loan loss allowance to noncurrent loans | 114.9268% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 1.1441% | 1,114 |
| Noncurrent loans to loans | 1.2173% | 1,341 |
| Net loans and leases to total assets | 81.2697% | 532 |
| Net loans and leases to deposits | 96.3510% | 874 |
| Net loans and leases to core deposits | 109.2673% | 885 |
| Total domestic deposits to total assets | 84.3476% | 2,648 |
| Equity capital to assets | 6.6340% | 5,083 |
| Core capital (leverage) ratio | 6.5659% | 5,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1429% | 3,387 |
| Memoranda: | ||
| Average total assets | $204,298,000 | 2,833 |
| Average earning assets | $192,841,000 | 2,804 |
| Average equity | $13,867,000 | 3,783 |
| Average total loans | $171,771,500 | 2,437 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6926% | 407 |
| Cost of funding earning assets | 1.4619% | 442 |
| Net interest margin | 4.2307% | 1,256 |
| Noninterest income to average assets | 0.6774% | 1,891 |
| Noninterest expense to average assets | 3.9067% | 594 |
| Loan and lease loss provision to assets | 0.2370% | 803 |
| Net operating income to assets | 0.5183% | 4,367 |
| Return on assets (ROA) | 0.5183% | 4,415 |
| Pretax return on assets | 0.5183% | 4,540 |
| Return on Equity (ROE) | 7.4591% | 3,383 |
| Retained earnings to average equity (ytd only) | 1.2110% | 4,308 |
| Net charge-offs to loans | 0.1098% | 1,634 |
| Credit loss provision to net charge-offs | 263.7931% | 1,052 |
| Earnings coverage of net charge-offs (x) | 8.4080% | 2,778 |
| Efficiency ratio | 83.7984% | 667 |
| Assets per employee ($millions) | 3.1872% | 4,713 |
| Cash dividends to net income (ytd only)* | 83.7649% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 1,674 |
| Loan loss allowance to noncurrent loans | 103.6388% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.3446% | 802 |
| Noncurrent loans to loans | 1.3122% | 1,143 |
| Net loans and leases to total assets | 84.6796% | 262 |
| Net loans and leases to deposits | 99.8056% | 617 |
| Net loans and leases to core deposits | 110.1405% | 843 |
| Total domestic deposits to total assets | 84.8446% | 2,554 |
| Equity capital to assets | 6.9517% | 5,143 |
| Core capital (leverage) ratio | 6.7859% | 5,150 |
| Tier 1 risk-based capital ratio | 9.0264% | 5,165 |
| Total risk-based capital ratio | 10.2795% | 5,163 |
| Memoranda: | ||
| Average total assets | $193,695,200 | 2,890 |
| Average earning assets | $182,430,000 | 2,862 |
| Average equity | $13,460,000 | 3,825 |
| Average total loans | $158,432,800 | 2,529 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6370% | 464 |
| Cost of funding earning assets | 1.4875% | 424 |
| Net interest margin | 4.1495% | 1,502 |
| Noninterest income to average assets | 0.6912% | 1,820 |
| Noninterest expense to average assets | 4.0141% | 521 |
| Loan and lease loss provision to assets | 0.0962% | 1,988 |
| Net operating income to assets | 0.4871% | 4,549 |
| Return on assets (ROA) | 0.4871% | 4,593 |
| Pretax return on assets | 0.4871% | 4,709 |
| Return on Equity (ROE) | 7.0096% | 3,677 |
| Retained earnings to average equity (ytd only) | -0.9658% | 4,857 |
| Net charge-offs to loans | 0.0660% | 1,882 |
| Credit loss provision to net charge-offs | 180.5195% | 1,422 |
| Earnings coverage of net charge-offs (x) | 10.9485% | 2,466 |
| Efficiency ratio | 87.3138% | 439 |
| Assets per employee ($millions) | 3.1253% | 4,819 |
| Cash dividends to net income (ytd only)* | 113.7784% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 2,116 |
| Loan loss allowance to noncurrent loans | 75.7818% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.5159% | 723 |
| Noncurrent loans to loans | 1.6761% | 874 |
| Net loans and leases to total assets | 80.9875% | 709 |
| Net loans and leases to deposits | 95.2714% | 1,100 |
| Net loans and leases to core deposits | 105.1815% | 1,245 |
| Total domestic deposits to total assets | 85.0072% | 2,422 |
| Equity capital to assets | 6.7500% | 5,232 |
| Core capital (leverage) ratio | 6.5449% | 5,236 |
| Tier 1 risk-based capital ratio | 8.8705% | 5,241 |
| Total risk-based capital ratio | 10.1222% | 5,239 |
| Memoranda: | ||
| Average total assets | $192,717,500 | 2,921 |
| Average earning assets | $181,416,750 | 2,890 |
| Average equity | $13,390,750 | 3,869 |
| Average total loans | $155,631,250 | 2,591 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5655% | 503 |
| Cost of funding earning assets | 1.4774% | 407 |
| Net interest margin | 4.0881% | 1,640 |
| Noninterest income to average assets | 0.6979% | 1,720 |
| Noninterest expense to average assets | 4.0150% | 527 |
| Loan and lease loss provision to assets | 0.0462% | 2,894 |
| Net operating income to assets | 0.4814% | 4,570 |
| Return on assets (ROA) | 0.4814% | 4,603 |
| Pretax return on assets | 0.4814% | 4,719 |
| Return on Equity (ROE) | 6.8594% | 3,730 |
| Retained earnings to average equity (ytd only) | -1.9919% | 4,908 |
| Net charge-offs to loans | 0.0393% | 2,098 |
| Credit loss provision to net charge-offs | 146.6667% | 1,519 |
| Earnings coverage of net charge-offs (x) | 16.7333% | 1,920 |
| Efficiency ratio | 88.3850% | 424 |
| Assets per employee ($millions) | 3.3704% | 4,642 |
| Cash dividends to net income (ytd only)* | 129.0393% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 1,970 |
| Loan loss allowance to noncurrent loans | 60.4334% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.8054% | 560 |
| Noncurrent loans to loans | 2.1691% | 625 |
| Net loans and leases to total assets | 75.7994% | 1,581 |
| Net loans and leases to deposits | 88.9840% | 1,864 |
| Net loans and leases to core deposits | 97.9025% | 1,893 |
| Total domestic deposits to total assets | 85.1831% | 2,400 |
| Equity capital to assets | 6.6501% | 5,283 |
| Core capital (leverage) ratio | 6.5753% | 5,279 |
| Tier 1 risk-based capital ratio | 9.1284% | 5,286 |
| Total risk-based capital ratio | 10.3799% | 5,284 |
| Memoranda: | ||
| Average total assets | $190,284,670 | 2,958 |
| Average earning assets | $178,960,000 | 2,929 |
| Average equity | $13,354,000 | 3,879 |
| Average total loans | $152,817,670 | 2,632 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5644% | 463 |
| Cost of funding earning assets | 1.4258% | 418 |
| Net interest margin | 4.1386% | 1,456 |
| Noninterest income to average assets | 0.6684% | 1,736 |
| Noninterest expense to average assets | 4.0669% | 489 |
| Loan and lease loss provision to assets | 0.0304% | 3,014 |
| Net operating income to assets | 0.4579% | 4,624 |
| Return on assets (ROA) | 0.4579% | 4,640 |
| Pretax return on assets | 0.4579% | 4,763 |
| Return on Equity (ROE) | 6.3425% | 3,896 |
| Retained earnings to average equity (ytd only) | -1.2024% | 4,677 |
| Net charge-offs to loans | 0.0475% | 1,601 |
| Credit loss provision to net charge-offs | 77.7778% | 1,798 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,868 |
| Efficiency ratio | 89.2806% | 423 |
| Assets per employee ($millions) | 3.4896% | 4,573 |
| Cash dividends to net income (ytd only)* | 118.9573% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 2,023 |
| Loan loss allowance to noncurrent loans | 67.7636% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.7028% | 648 |
| Noncurrent loans to loans | 1.9406% | 775 |
| Net loans and leases to total assets | 76.1349% | 1,457 |
| Net loans and leases to deposits | 90.9080% | 1,517 |
| Net loans and leases to core deposits | 100.0225% | 1,620 |
| Total domestic deposits to total assets | 83.7494% | 3,131 |
| Equity capital to assets | 6.7146% | 5,324 |
| Core capital (leverage) ratio | 7.1686% | 5,309 |
| Tier 1 risk-based capital ratio | 9.3165% | 5,335 |
| Total risk-based capital ratio | 10.5682% | 5,331 |
| Memoranda: | ||
| Average total assets | $184,316,000 | 3,042 |
| Average earning assets | $173,100,500 | 3,026 |
| Average equity | $13,307,000 | 3,903 |
| Average total loans | $151,567,000 | 2,674 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4403% | 451 |
| Cost of funding earning assets | 0.8702% | 1,221 |
| Net interest margin | 4.5701% | 655 |
| Noninterest income to average assets | 0.7754% | 1,544 |
| Noninterest expense to average assets | 4.1030% | 469 |
| Loan and lease loss provision to assets | 0.1973% | 958 |
| Net operating income to assets | 0.7354% | 4,022 |
| Return on assets (ROA) | 0.7354% | 4,020 |
| Pretax return on assets | 0.7354% | 4,326 |
| Return on Equity (ROE) | 9.4438% | 2,772 |
| Retained earnings to average equity (ytd only) | 4.9598% | 2,787 |
| Net charge-offs to loans | 0.0861% | 1,920 |
| Credit loss provision to net charge-offs | 270.8333% | 1,108 |
| Earnings coverage of net charge-offs (x) | 12.8000% | 2,506 |
| Efficiency ratio | 81.4784% | 848 |
| Assets per employee ($millions) | 2.9776% | 5,007 |
| Cash dividends to net income (ytd only)* | 47.4814% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 1,819 |
| Loan loss allowance to noncurrent loans | 68.4727% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 2.0428% | 463 |
| Noncurrent loans to loans | 1.9729% | 689 |
| Net loans and leases to total assets | 86.9976% | 169 |
| Net loans and leases to deposits | 107.7287% | 316 |
| Net loans and leases to core deposits | 115.0168% | 734 |
| Total domestic deposits to total assets | 80.7562% | 3,940 |
| Equity capital to assets | 7.8116% | 5,218 |
| Core capital (leverage) ratio | 8.0750% | 5,214 |
| Tier 1 risk-based capital ratio | 9.9209% | 5,328 |
| Total risk-based capital ratio | 11.1740% | 5,277 |
| Memoranda: | ||
| Average total assets | $164,683,400 | 3,221 |
| Average earning assets | $153,521,200 | 3,200 |
| Average equity | $12,823,200 | 3,909 |
| Average total loans | $139,389,200 | 2,775 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3393% | 492 |
| Cost of funding earning assets | 0.8166% | 1,254 |
| Net interest margin | 4.5227% | 709 |
| Noninterest income to average assets | 0.8167% | 1,421 |
| Noninterest expense to average assets | 4.2204% | 388 |
| Loan and lease loss provision to assets | 0.1265% | 1,589 |
| Net operating income to assets | 0.6812% | 4,283 |
| Return on assets (ROA) | 0.6812% | 4,295 |
| Pretax return on assets | 0.6812% | 4,572 |
| Return on Equity (ROE) | 8.7562% | 3,214 |
| Retained earnings to average equity (ytd only) | 3.7961% | 3,872 |
| Net charge-offs to loans | 0.0526% | 2,072 |
| Credit loss provision to net charge-offs | 287.0370% | 1,061 |
| Earnings coverage of net charge-offs (x) | 18.3329% | 2,057 |
| Efficiency ratio | 83.9364% | 645 |
| Assets per employee ($millions) | 2.8979% | 5,107 |
| Cash dividends to net income (ytd only)* | 56.6464% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 1,822 |
| Loan loss allowance to noncurrent loans | 64.9509% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 2.1666% | 460 |
| Noncurrent loans to loans | 2.1073% | 680 |
| Net loans and leases to total assets | 85.1656% | 346 |
| Net loans and leases to deposits | 103.9595% | 551 |
| Net loans and leases to core deposits | 109.9741% | 1,036 |
| Total domestic deposits to total assets | 81.9219% | 3,638 |
| Equity capital to assets | 7.9736% | 5,187 |
| Core capital (leverage) ratio | 7.8969% | 5,339 |
| Tier 1 risk-based capital ratio | 10.2885% | 5,300 |
| Total risk-based capital ratio | 11.5414% | 5,227 |
| Memoranda: | ||
| Average total assets | $163,423,750 | 3,263 |
| Average earning assets | $152,175,750 | 3,247 |
| Average equity | $12,714,500 | 3,954 |
| Average total loans | $136,817,500 | 2,822 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1782% | 578 |
| Cost of funding earning assets | 0.7853% | 1,201 |
| Net interest margin | 4.3929% | 863 |
| Noninterest income to average assets | 0.8596% | 1,289 |
| Noninterest expense to average assets | 4.1794% | 423 |
| Loan and lease loss provision to assets | 0.1465% | 1,300 |
| Net operating income to assets | 0.6178% | 4,440 |
| Return on assets (ROA) | 0.6178% | 4,446 |
| Pretax return on assets | 0.6178% | 4,710 |
| Return on Equity (ROE) | 8.0068% | 3,504 |
| Retained earnings to average equity (ytd only) | 2.5793% | 4,228 |
| Net charge-offs to loans | 0.0236% | 2,399 |
| Credit loss provision to net charge-offs | 750.0000% | 521 |
| Earnings coverage of net charge-offs (x) | 39.1250% | 1,317 |
| Efficiency ratio | 84.5394% | 657 |
| Assets per employee ($millions) | 3.2467% | 4,882 |
| Cash dividends to net income (ytd only)* | 67.7866% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 1,735 |
| Loan loss allowance to noncurrent loans | 63.1908% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 2.0844% | 495 |
| Noncurrent loans to loans | 2.2172% | 628 |
| Net loans and leases to total assets | 80.0759% | 1,005 |
| Net loans and leases to deposits | 95.9686% | 1,142 |
| Net loans and leases to core deposits | 103.1520% | 1,470 |
| Total domestic deposits to total assets | 83.4398% | 3,271 |
| Equity capital to assets | 7.5610% | 5,366 |
| Core capital (leverage) ratio | 7.8962% | 5,376 |
| Tier 1 risk-based capital ratio | 10.1090% | 5,402 |
| Total risk-based capital ratio | 11.3621% | 5,328 |
| Memoranda: | ||
| Average total assets | $163,803,330 | 3,277 |
| Average earning assets | $152,291,330 | 3,260 |
| Average equity | $12,639,330 | 3,986 |
| Average total loans | $135,713,670 | 2,845 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0907% | 596 |
| Cost of funding earning assets | 0.7752% | 1,074 |
| Net interest margin | 4.3155% | 926 |
| Noninterest income to average assets | 0.7862% | 1,498 |
| Noninterest expense to average assets | 4.3375% | 343 |
| Loan and lease loss provision to assets | 0.0248% | 3,195 |
| Net operating income to assets | 0.4414% | 4,838 |
| Return on assets (ROA) | 0.4414% | 4,841 |
| Pretax return on assets | 0.4414% | 4,973 |
| Return on Equity (ROE) | 5.6614% | 4,260 |
| Retained earnings to average equity (ytd only) | -1.6539% | 4,979 |
| Net charge-offs to loans | -0.0563% | 5,023 |
| Credit loss provision to net charge-offs | -52.6316% | 3,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2943% | 429 |
| Assets per employee ($millions) | 3.0694% | 5,110 |
| Cash dividends to net income (ytd only)* | 129.2135% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 1,956 |
| Loan loss allowance to noncurrent loans | 58.6963% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 2.1705% | 489 |
| Noncurrent loans to loans | 2.3344% | 612 |
| Net loans and leases to total assets | 81.6823% | 699 |
| Net loans and leases to deposits | 98.2688% | 839 |
| Net loans and leases to core deposits | 105.0942% | 1,306 |
| Total domestic deposits to total assets | 83.1214% | 3,627 |
| Equity capital to assets | 7.6992% | 5,365 |
| Core capital (leverage) ratio | 7.9048% | 5,413 |
| Tier 1 risk-based capital ratio | 10.2677% | 5,423 |
| Total risk-based capital ratio | 11.5200% | 5,351 |
| Memoranda: | ||
| Average total assets | $161,292,000 | 3,337 |
| Average earning assets | $150,155,000 | 3,326 |
| Average equity | $12,576,500 | 4,035 |
| Average total loans | $135,015,500 | 2,873 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0817% | 552 |
| Cost of funding earning assets | 0.7232% | 917 |
| Net interest margin | 4.3585% | 843 |
| Noninterest income to average assets | 0.7636% | 1,717 |
| Noninterest expense to average assets | 4.2207% | 409 |
| Loan and lease loss provision to assets | 0.0697% | 2,804 |
| Net operating income to assets | 0.5184% | 4,329 |
| Return on assets (ROA) | 0.5190% | 4,366 |
| Pretax return on assets | 0.5184% | 4,900 |
| Return on Equity (ROE) | 6.6093% | 3,481 |
| Retained earnings to average equity (ytd only) | 2.7922% | 3,637 |
| Net charge-offs to loans | 0.1025% | 2,045 |
| Credit loss provision to net charge-offs | 82.0896% | 2,914 |
| Earnings coverage of net charge-offs (x) | 6.9179% | 3,119 |
| Efficiency ratio | 87.7817% | 544 |
| Assets per employee ($millions) | 2.9612% | 5,223 |
| Cash dividends to net income (ytd only)* | 57.7534% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 2,009 |
| Loan loss allowance to noncurrent loans | 69.9115% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 2.1138% | 512 |
| Noncurrent loans to loans | 1.9208% | 805 |
| Net loans and leases to total assets | 83.4796% | 500 |
| Net loans and leases to deposits | 101.1089% | 648 |
| Net loans and leases to core deposits | 107.3892% | 1,192 |
| Total domestic deposits to total assets | 82.5640% | 3,706 |
| Equity capital to assets | 7.8972% | 5,425 |
| Core capital (leverage) ratio | 7.9769% | 5,454 |
| Tier 1 risk-based capital ratio | 10.2809% | 5,453 |
| Total risk-based capital ratio | 11.5329% | 5,376 |
| Memoranda: | ||
| Average total assets | $157,795,400 | 3,382 |
| Average earning assets | $146,427,400 | 3,366 |
| Average equity | $12,391,600 | 4,071 |
| Average total loans | $130,703,800 | 2,905 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9911% | 621 |
| Cost of funding earning assets | 0.7053% | 936 |
| Net interest margin | 4.2857% | 958 |
| Noninterest income to average assets | 0.7579% | 1,743 |
| Noninterest expense to average assets | 4.1898% | 412 |
| Loan and lease loss provision to assets | 0.0509% | 3,077 |
| Net operating income to assets | 0.4951% | 4,740 |
| Return on assets (ROA) | 0.4960% | 4,777 |
| Pretax return on assets | 0.4951% | 5,040 |
| Return on Equity (ROE) | 6.3246% | 3,973 |
| Retained earnings to average equity (ytd only) | 1.2109% | 4,918 |
| Net charge-offs to loans | 0.0875% | 1,921 |
| Credit loss provision to net charge-offs | 70.5882% | 2,695 |
| Earnings coverage of net charge-offs (x) | 7.5647% | 2,864 |
| Efficiency ratio | 88.4870% | 481 |
| Assets per employee ($millions) | 2.8490% | 5,358 |
| Cash dividends to net income (ytd only)* | 80.8546% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 1,993 |
| Loan loss allowance to noncurrent loans | 68.3992% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 2.1928% | 556 |
| Noncurrent loans to loans | 2.0129% | 847 |
| Net loans and leases to total assets | 83.0185% | 543 |
| Net loans and leases to deposits | 100.1023% | 735 |
| Net loans and leases to core deposits | 106.6970% | 1,222 |
| Total domestic deposits to total assets | 82.9336% | 3,478 |
| Equity capital to assets | 7.9799% | 5,527 |
| Core capital (leverage) ratio | 7.9543% | 5,523 |
| Tier 1 risk-based capital ratio | 10.3796% | 5,491 |
| Total risk-based capital ratio | 11.6324% | 5,426 |
| Memoranda: | ||
| Average total assets | $157,268,000 | 3,410 |
| Average earning assets | $145,937,500 | 3,398 |
| Average equity | $12,332,500 | 4,118 |
| Average total loans | $129,553,500 | 2,942 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8868% | 717 |
| Cost of funding earning assets | 0.6991% | 900 |
| Net interest margin | 4.1877% | 1,101 |
| Noninterest income to average assets | 0.7583% | 1,733 |
| Noninterest expense to average assets | 4.1395% | 448 |
| Loan and lease loss provision to assets | 0.0508% | 2,969 |
| Net operating income to assets | 0.4573% | 4,835 |
| Return on assets (ROA) | 0.4585% | 4,855 |
| Pretax return on assets | 0.4573% | 5,073 |
| Return on Equity (ROE) | 5.8817% | 4,097 |
| Retained earnings to average equity (ytd only) | 0.2607% | 5,019 |
| Net charge-offs to loans | 0.0280% | 2,651 |
| Credit loss provision to net charge-offs | 222.2222% | 1,171 |
| Earnings coverage of net charge-offs (x) | 22.1667% | 1,720 |
| Efficiency ratio | 89.0924% | 498 |
| Assets per employee ($millions) | 3.1432% | 5,155 |
| Cash dividends to net income (ytd only)* | 95.5679% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4265% | 1,838 |
| Loan loss allowance to noncurrent loans | 74.8794% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.8287% | 749 |
| Noncurrent loans to loans | 1.9050% | 911 |
| Net loans and leases to total assets | 81.9152% | 678 |
| Net loans and leases to deposits | 99.2966% | 790 |
| Net loans and leases to core deposits | 105.4737% | 1,268 |
| Total domestic deposits to total assets | 82.4955% | 3,728 |
| Equity capital to assets | 7.8907% | 5,579 |
| Core capital (leverage) ratio | 7.8174% | 5,584 |
| Tier 1 risk-based capital ratio | 10.4254% | 5,491 |
| Total risk-based capital ratio | 11.6792% | 5,414 |
| Memoranda: | ||
| Average total assets | $157,459,330 | 3,424 |
| Average earning assets | $146,188,330 | 3,410 |
| Average equity | $12,275,330 | 4,146 |
| Average total loans | $128,771,000 | 2,965 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7460% | 854 |
| Cost of funding earning assets | 0.6917% | 875 |
| Net interest margin | 4.0544% | 1,336 |
| Noninterest income to average assets | 0.7030% | 1,956 |
| Noninterest expense to average assets | 4.1977% | 429 |
| Loan and lease loss provision to assets | 0.0254% | 3,242 |
| Net operating income to assets | 0.2462% | 5,310 |
| Return on assets (ROA) | 0.2462% | 5,326 |
| Pretax return on assets | 0.2436% | 5,383 |
| Return on Equity (ROE) | 3.1771% | 5,050 |
| Retained earnings to average equity (ytd only) | -5.9939% | 5,444 |
| Net charge-offs to loans | 0.0907% | 1,437 |
| Credit loss provision to net charge-offs | 34.4828% | 2,089 |
| Earnings coverage of net charge-offs (x) | 3.6552% | 2,464 |
| Efficiency ratio | 93.9773% | 386 |
| Assets per employee ($millions) | 3.1091% | 5,262 |
| Cash dividends to net income (ytd only)* | 288.6598% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 2,016 |
| Loan loss allowance to noncurrent loans | 81.7407% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.8567% | 751 |
| Noncurrent loans to loans | 1.7313% | 1,106 |
| Net loans and leases to total assets | 80.0473% | 821 |
| Net loans and leases to deposits | 96.5577% | 888 |
| Net loans and leases to core deposits | 102.9308% | 1,297 |
| Total domestic deposits to total assets | 82.9010% | 3,879 |
| Equity capital to assets | 7.6656% | 5,641 |
| Core capital (leverage) ratio | 7.7247% | 5,654 |
| Tier 1 risk-based capital ratio | 10.3298% | 5,612 |
| Total risk-based capital ratio | 11.5830% | 5,542 |
| Memoranda: | ||
| Average total assets | $157,609,000 | 3,457 |
| Average earning assets | $146,311,500 | 3,445 |
| Average equity | $12,212,500 | 4,180 |
| Average total loans | $127,856,000 | 2,995 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9418% | 668 |
| Cost of funding earning assets | 0.6813% | 902 |
| Net interest margin | 4.2605% | 996 |
| Noninterest income to average assets | 0.7358% | 2,016 |
| Noninterest expense to average assets | 4.1048% | 528 |
| Loan and lease loss provision to assets | 0.0785% | 2,795 |
| Net operating income to assets | 0.5211% | 4,547 |
| Return on assets (ROA) | 0.5204% | 4,634 |
| Pretax return on assets | 0.5204% | 4,985 |
| Return on Equity (ROE) | 6.5285% | 3,726 |
| Retained earnings to average equity (ytd only) | 1.6769% | 4,577 |
| Net charge-offs to loans | 0.1153% | 2,106 |
| Credit loss provision to net charge-offs | 82.8767% | 2,932 |
| Earnings coverage of net charge-offs (x) | 6.3288% | 3,195 |
| Efficiency ratio | 87.2552% | 734 |
| Assets per employee ($millions) | 3.1970% | 5,150 |
| Cash dividends to net income (ytd only)* | 74.3142% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 1,871 |
| Loan loss allowance to noncurrent loans | 68.9513% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 2.0338% | 670 |
| Noncurrent loans to loans | 2.1030% | 834 |
| Net loans and leases to total assets | 79.8721% | 912 |
| Net loans and leases to deposits | 96.9570% | 911 |
| Net loans and leases to core deposits | 103.2189% | 1,342 |
| Total domestic deposits to total assets | 82.3789% | 3,968 |
| Equity capital to assets | 7.8326% | 5,629 |
| Core capital (leverage) ratio | 7.9609% | 5,638 |
| Tier 1 risk-based capital ratio | 10.6199% | 5,516 |
| Total risk-based capital ratio | 11.8739% | 5,436 |
| Memoranda: | ||
| Average total assets | $154,111,000 | 3,455 |
| Average earning assets | $143,551,200 | 3,454 |
| Average equity | $12,284,600 | 4,209 |
| Average total loans | $126,674,000 | 2,966 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9133% | 709 |
| Cost of funding earning assets | 0.6791% | 910 |
| Net interest margin | 4.2341% | 1,054 |
| Noninterest income to average assets | 0.7263% | 2,055 |
| Noninterest expense to average assets | 4.0944% | 532 |
| Loan and lease loss provision to assets | 0.0869% | 2,491 |
| Net operating income to assets | 0.4934% | 4,720 |
| Return on assets (ROA) | 0.4926% | 4,815 |
| Pretax return on assets | 0.4926% | 5,141 |
| Return on Equity (ROE) | 6.1521% | 3,995 |
| Retained earnings to average equity (ytd only) | 0.7812% | 5,151 |
| Net charge-offs to loans | 0.0432% | 2,778 |
| Credit loss provision to net charge-offs | 243.9024% | 1,217 |
| Earnings coverage of net charge-offs (x) | 16.2912% | 2,122 |
| Efficiency ratio | 87.5860% | 703 |
| Assets per employee ($millions) | 3.0515% | 5,343 |
| Cash dividends to net income (ytd only)* | 87.3013% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 1,781 |
| Loan loss allowance to noncurrent loans | 67.4020% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 2.0312% | 766 |
| Noncurrent loans to loans | 2.2171% | 842 |
| Net loans and leases to total assets | 81.5363% | 681 |
| Net loans and leases to deposits | 97.1950% | 933 |
| Net loans and leases to core deposits | 103.6827% | 1,367 |
| Total domestic deposits to total assets | 83.8894% | 3,244 |
| Equity capital to assets | 7.9043% | 5,767 |
| Core capital (leverage) ratio | 7.8569% | 5,738 |
| Tier 1 risk-based capital ratio | 10.3982% | 5,656 |
| Total risk-based capital ratio | 11.6521% | 5,586 |
| Memoranda: | ||
| Average total assets | $153,475,500 | 3,484 |
| Average earning assets | $143,119,250 | 3,476 |
| Average equity | $12,288,250 | 4,244 |
| Average total loans | $126,601,750 | 2,981 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8972% | 729 |
| Cost of funding earning assets | 0.6735% | 927 |
| Net interest margin | 4.2237% | 1,071 |
| Noninterest income to average assets | 0.7201% | 2,048 |
| Noninterest expense to average assets | 4.0377% | 563 |
| Loan and lease loss provision to assets | 0.0681% | 2,777 |
| Net operating income to assets | 0.5551% | 4,460 |
| Return on assets (ROA) | 0.5551% | 4,575 |
| Pretax return on assets | 0.5551% | 5,008 |
| Return on Equity (ROE) | 6.9033% | 3,603 |
| Retained earnings to average equity (ytd only) | 1.2862% | 4,876 |
| Net charge-offs to loans | 0.0111% | 3,331 |
| Credit loss provision to net charge-offs | 742.8571% | 486 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 797 |
| Efficiency ratio | 86.6292% | 823 |
| Assets per employee ($millions) | 3.1853% | 5,226 |
| Cash dividends to net income (ytd only)* | 81.3679% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 1,887 |
| Loan loss allowance to noncurrent loans | 74.2424% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.9040% | 879 |
| Noncurrent loans to loans | 2.0117% | 990 |
| Net loans and leases to total assets | 82.4360% | 580 |
| Net loans and leases to deposits | 100.9071% | 635 |
| Net loans and leases to core deposits | 105.8431% | 1,192 |
| Total domestic deposits to total assets | 81.6949% | 4,092 |
| Equity capital to assets | 8.0593% | 5,787 |
| Core capital (leverage) ratio | 7.9050% | 5,779 |
| Tier 1 risk-based capital ratio | 10.5647% | 5,645 |
| Total risk-based capital ratio | 11.8190% | 5,556 |
| Memoranda: | ||
| Average total assets | $152,759,330 | 3,513 |
| Average earning assets | $142,530,330 | 3,504 |
| Average equity | $12,284,000 | 4,270 |
| Average total loans | $125,864,000 | 3,002 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8773% | 723 |
| Cost of funding earning assets | 0.6735% | 928 |
| Net interest margin | 4.2038% | 1,089 |
| Noninterest income to average assets | 0.7152% | 1,959 |
| Noninterest expense to average assets | 3.9923% | 608 |
| Loan and lease loss provision to assets | 0.0367% | 3,177 |
| Net operating income to assets | 0.6104% | 4,133 |
| Return on assets (ROA) | 0.6104% | 4,251 |
| Pretax return on assets | 0.6104% | 4,791 |
| Return on Equity (ROE) | 7.5989% | 3,131 |
| Retained earnings to average equity (ytd only) | 4.6637% | 3,143 |
| Net charge-offs to loans | 0.0577% | 1,939 |
| Credit loss provision to net charge-offs | 77.7778% | 1,853 |
| Earnings coverage of net charge-offs (x) | 13.7222% | 1,726 |
| Efficiency ratio | 86.0531% | 970 |
| Assets per employee ($millions) | 3.2626% | 5,180 |
| Cash dividends to net income (ytd only)* | 38.6266% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 2,018 |
| Loan loss allowance to noncurrent loans | 80.5015% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.6988% | 1,143 |
| Noncurrent loans to loans | 1.8556% | 1,195 |
| Net loans and leases to total assets | 80.0745% | 798 |
| Net loans and leases to deposits | 97.9288% | 764 |
| Net loans and leases to core deposits | 102.6965% | 1,284 |
| Total domestic deposits to total assets | 81.7681% | 4,294 |
| Equity capital to assets | 8.0487% | 5,806 |
| Core capital (leverage) ratio | 8.0268% | 5,758 |
| Tier 1 risk-based capital ratio | 10.8082% | 5,595 |
| Total risk-based capital ratio | 12.0629% | 5,507 |
| Memoranda: | ||
| Average total assets | $152,693,000 | 3,544 |
| Average earning assets | $142,536,500 | 3,519 |
| Average equity | $12,265,000 | 4,289 |
| Average total loans | $124,821,500 | 3,016 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 810 |
| Cost of funding earning assets | 0.6250% | 1,207 |
| Net interest margin | 4.2529% | 1,059 |
| Noninterest income to average assets | 0.7104% | 2,154 |
| Noninterest expense to average assets | 4.1007% | 599 |
| Loan and lease loss provision to assets | 0.3243% | 502 |
| Net operating income to assets | 0.2502% | 5,482 |
| Return on assets (ROA) | 0.4997% | 4,790 |
| Pretax return on assets | 0.4997% | 5,118 |
| Return on Equity (ROE) | 6.1455% | 3,972 |
| Retained earnings to average equity (ytd only) | 3.5117% | 3,564 |
| Net charge-offs to loans | 0.1764% | 1,624 |
| Credit loss provision to net charge-offs | 222.8972% | 1,271 |
| Earnings coverage of net charge-offs (x) | 3.9486% | 3,632 |
| Efficiency ratio | 87.7127% | 851 |
| Assets per employee ($millions) | 3.1676% | 5,325 |
| Cash dividends to net income (ytd only)* | 42.8571% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 2,041 |
| Loan loss allowance to noncurrent loans | 82.4569% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.6804% | 1,163 |
| Noncurrent loans to loans | 1.8105% | 1,208 |
| Net loans and leases to total assets | 80.9813% | 715 |
| Net loans and leases to deposits | 99.4467% | 718 |
| Net loans and leases to core deposits | 103.8625% | 1,230 |
| Total domestic deposits to total assets | 81.4318% | 4,359 |
| Equity capital to assets | 8.0160% | 5,848 |
| Core capital (leverage) ratio | 8.0466% | 5,810 |
| Tier 1 risk-based capital ratio | 10.6656% | 5,694 |
| Total risk-based capital ratio | 11.9200% | 5,607 |
| Memoranda: | ||
| Average total assets | $147,095,800 | 3,612 |
| Average earning assets | $137,128,600 | 3,574 |
| Average equity | $11,960,000 | 4,317 |
| Average total loans | $121,349,400 | 3,029 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8497% | 855 |
| Cost of funding earning assets | 0.6109% | 1,338 |
| Net interest margin | 4.2388% | 1,082 |
| Noninterest income to average assets | 0.7194% | 2,150 |
| Noninterest expense to average assets | 4.1884% | 540 |
| Loan and lease loss provision to assets | 0.0640% | 2,907 |
| Net operating income to assets | 0.4187% | 5,091 |
| Return on assets (ROA) | 0.4241% | 5,159 |
| Pretax return on assets | 0.4241% | 5,413 |
| Return on Equity (ROE) | 5.1974% | 4,532 |
| Retained earnings to average equity (ytd only) | 1.6690% | 5,033 |
| Net charge-offs to loans | 0.0764% | 2,470 |
| Credit loss provision to net charge-offs | 101.4493% | 2,235 |
| Earnings coverage of net charge-offs (x) | 7.6520% | 2,890 |
| Efficiency ratio | 89.6673% | 724 |
| Assets per employee ($millions) | 3.2915% | 5,138 |
| Cash dividends to net income (ytd only)* | 67.8881% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 3,160 |
| Loan loss allowance to noncurrent loans | 84.7332% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.3956% | 1,650 |
| Noncurrent loans to loans | 1.5211% | 1,650 |
| Net loans and leases to total assets | 81.1352% | 687 |
| Net loans and leases to deposits | 99.1653% | 715 |
| Net loans and leases to core deposits | 103.1132% | 1,295 |
| Total domestic deposits to total assets | 81.8181% | 4,221 |
| Equity capital to assets | 7.8972% | 5,994 |
| Core capital (leverage) ratio | 7.8698% | 5,958 |
| Tier 1 risk-based capital ratio | 10.5055% | 5,877 |
| Total risk-based capital ratio | 11.7568% | 5,808 |
| Memoranda: | ||
| Average total assets | $145,858,500 | 3,667 |
| Average earning assets | $135,978,750 | 3,629 |
| Average equity | $11,903,000 | 4,373 |
| Average total loans | $120,438,250 | 3,067 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8168% | 864 |
| Cost of funding earning assets | 0.5918% | 1,472 |
| Net interest margin | 4.2249% | 1,060 |
| Noninterest income to average assets | 0.7083% | 2,179 |
| Noninterest expense to average assets | 4.1803% | 559 |
| Loan and lease loss provision to assets | 0.0833% | 2,452 |
| Net operating income to assets | 0.3805% | 5,201 |
| Return on assets (ROA) | 0.3805% | 5,317 |
| Pretax return on assets | 0.3805% | 5,514 |
| Return on Equity (ROE) | 4.6109% | 4,787 |
| Retained earnings to average equity (ytd only) | 0.9928% | 5,172 |
| Net charge-offs to loans | 0.0437% | 2,827 |
| Credit loss provision to net charge-offs | 230.7692% | 1,105 |
| Earnings coverage of net charge-offs (x) | 12.8462% | 2,175 |
| Efficiency ratio | 90.0120% | 749 |
| Assets per employee ($millions) | 3.2529% | 5,244 |
| Cash dividends to net income (ytd only)* | 78.4672% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 2,986 |
| Loan loss allowance to noncurrent loans | 63.6965% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 1.8298% | 1,253 |
| Noncurrent loans to loans | 2.1203% | 1,136 |
| Net loans and leases to total assets | 79.9094% | 813 |
| Net loans and leases to deposits | 99.3214% | 701 |
| Net loans and leases to core deposits | 103.1612% | 1,252 |
| Total domestic deposits to total assets | 80.4554% | 4,761 |
| Equity capital to assets | 7.9214% | 6,015 |
| Core capital (leverage) ratio | 7.9647% | 5,949 |
| Tier 1 risk-based capital ratio | 10.6062% | 5,881 |
| Total risk-based capital ratio | 11.8585% | 5,825 |
| Memoranda: | ||
| Average total assets | $144,008,330 | 3,715 |
| Average earning assets | $134,156,670 | 3,691 |
| Average equity | $11,885,000 | 4,401 |
| Average total loans | $119,101,000 | 3,098 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8276% | 812 |
| Cost of funding earning assets | 0.5526% | 1,817 |
| Net interest margin | 4.2750% | 930 |
| Noninterest income to average assets | 0.7054% | 2,145 |
| Noninterest expense to average assets | 4.2296% | 536 |
| Loan and lease loss provision to assets | 0.0567% | 2,799 |
| Net operating income to assets | 0.4079% | 5,043 |
| Return on assets (ROA) | 0.4079% | 5,154 |
| Pretax return on assets | 0.4079% | 5,420 |
| Return on Equity (ROE) | 4.8399% | 4,612 |
| Retained earnings to average equity (ytd only) | 3.3275% | 3,985 |
| Net charge-offs to loans | 0.0644% | 2,102 |
| Credit loss provision to net charge-offs | 105.2632% | 1,553 |
| Earnings coverage of net charge-offs (x) | 8.6316% | 2,077 |
| Efficiency ratio | 90.1026% | 840 |
| Assets per employee ($millions) | 2.9832% | 5,692 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 3,127 |
| Loan loss allowance to noncurrent loans | 66.6390% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 1.8416% | 1,322 |
| Noncurrent loans to loans | 2.0320% | 1,287 |
| Net loans and leases to total assets | 81.6037% | 504 |
| Net loans and leases to deposits | 102.5234% | 434 |
| Net loans and leases to core deposits | 106.0720% | 935 |
| Total domestic deposits to total assets | 79.5952% | 5,143 |
| Equity capital to assets | 8.3433% | 5,843 |
| Core capital (leverage) ratio | 8.2130% | 5,798 |
| Tier 1 risk-based capital ratio | 11.4681% | 5,574 |
| Total risk-based capital ratio | 12.7218% | 5,484 |
| Memoranda: | ||
| Average total assets | $141,196,500 | 3,793 |
| Average earning assets | $131,743,500 | 3,752 |
| Average equity | $11,901,000 | 4,426 |
| Average total loans | $118,048,000 | 3,124 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8669% | 981 |
| Cost of funding earning assets | 0.5047% | 2,622 |
| Net interest margin | 4.3622% | 947 |
| Noninterest income to average assets | 0.7515% | 2,070 |
| Noninterest expense to average assets | 4.2622% | 571 |
| Loan and lease loss provision to assets | 0.1526% | 1,721 |
| Net operating income to assets | 0.4154% | 5,175 |
| Return on assets (ROA) | 0.4667% | 5,040 |
| Pretax return on assets | 0.4667% | 5,336 |
| Return on Equity (ROE) | 5.4187% | 4,447 |
| Retained earnings to average equity (ytd only) | 2.7945% | 4,254 |
| Net charge-offs to loans | 0.0810% | 3,336 |
| Credit loss provision to net charge-offs | 228.5714% | 1,098 |
| Earnings coverage of net charge-offs (x) | 8.5055% | 2,866 |
| Efficiency ratio | 88.2407% | 976 |
| Assets per employee ($millions) | 2.9000% | 5,831 |
| Cash dividends to net income (ytd only)* | 48.4277% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 3,125 |
| Loan loss allowance to noncurrent loans | 59.0859% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 2.1954% | 1,110 |
| Noncurrent loans to loans | 2.3061% | 1,128 |
| Net loans and leases to total assets | 83.3608% | 392 |
| Net loans and leases to deposits | 108.7403% | 277 |
| Net loans and leases to core deposits | 114.2139% | 595 |
| Total domestic deposits to total assets | 76.6604% | 5,648 |
| Equity capital to assets | 8.5165% | 5,740 |
| Core capital (leverage) ratio | 8.6079% | 5,437 |
| Tier 1 risk-based capital ratio | 11.1952% | 5,822 |
| Total risk-based capital ratio | 12.4485% | 5,753 |
| Memoranda: | ||
| Average total assets | $136,268,800 | 3,874 |
| Average earning assets | $127,411,800 | 3,816 |
| Average equity | $11,737,200 | 4,411 |
| Average total loans | $112,386,600 | 3,171 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9054% | 920 |
| Cost of funding earning assets | 0.5026% | 2,730 |
| Net interest margin | 4.4028% | 880 |
| Noninterest income to average assets | 0.7516% | 2,090 |
| Noninterest expense to average assets | 4.3225% | 545 |
| Loan and lease loss provision to assets | 0.1062% | 2,265 |
| Net operating income to assets | 0.4417% | 5,107 |
| Return on assets (ROA) | 0.5106% | 4,901 |
| Pretax return on assets | 0.5106% | 5,300 |
| Return on Equity (ROE) | 5.9104% | 4,279 |
| Retained earnings to average equity (ytd only) | 3.0065% | 4,473 |
| Net charge-offs to loans | 0.0444% | 3,609 |
| Credit loss provision to net charge-offs | 291.8919% | 927 |
| Earnings coverage of net charge-offs (x) | 15.0547% | 2,085 |
| Efficiency ratio | 88.7497% | 938 |
| Assets per employee ($millions) | 2.7698% | 6,001 |
| Cash dividends to net income (ytd only)* | 49.1329% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 3,344 |
| Loan loss allowance to noncurrent loans | 71.2912% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.8619% | 1,586 |
| Noncurrent loans to loans | 1.9097% | 1,677 |
| Net loans and leases to total assets | 83.1168% | 391 |
| Net loans and leases to deposits | 107.4598% | 277 |
| Net loans and leases to core deposits | 113.2362% | 610 |
| Total domestic deposits to total assets | 77.3469% | 5,623 |
| Equity capital to assets | 8.6810% | 5,657 |
| Core capital (leverage) ratio | 8.5544% | 5,592 |
| Tier 1 risk-based capital ratio | 11.3545% | 5,860 |
| Total risk-based capital ratio | 12.6082% | 5,792 |
| Memoranda: | ||
| Average total assets | $135,535,750 | 3,909 |
| Average earning assets | $126,794,500 | 3,859 |
| Average equity | $11,707,750 | 4,446 |
| Average total loans | $111,072,750 | 3,219 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8658% | 968 |
| Cost of funding earning assets | 0.4976% | 2,856 |
| Net interest margin | 4.3682% | 903 |
| Noninterest income to average assets | 0.7352% | 2,110 |
| Noninterest expense to average assets | 4.3137% | 545 |
| Loan and lease loss provision to assets | 0.0782% | 2,718 |
| Net operating income to assets | 0.4252% | 5,116 |
| Return on assets (ROA) | 0.5285% | 4,789 |
| Pretax return on assets | 0.5285% | 5,198 |
| Return on Equity (ROE) | 6.1286% | 4,086 |
| Retained earnings to average equity (ytd only) | 2.9616% | 4,319 |
| Net charge-offs to loans | 0.0400% | 3,431 |
| Credit loss provision to net charge-offs | 240.9091% | 1,013 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,843 |
| Efficiency ratio | 89.5495% | 952 |
| Assets per employee ($millions) | 2.9485% | 5,824 |
| Cash dividends to net income (ytd only)* | 51.6760% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 3,587 |
| Loan loss allowance to noncurrent loans | 107.2843% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.2954% | 2,526 |
| Noncurrent loans to loans | 1.2580% | 2,707 |
| Net loans and leases to total assets | 81.7583% | 486 |
| Net loans and leases to deposits | 101.7667% | 462 |
| Net loans and leases to core deposits | 107.0213% | 831 |
| Total domestic deposits to total assets | 80.3390% | 5,168 |
| Equity capital to assets | 8.6567% | 5,652 |
| Core capital (leverage) ratio | 8.5108% | 5,627 |
| Tier 1 risk-based capital ratio | 11.4424% | 5,831 |
| Total risk-based capital ratio | 12.6950% | 5,786 |
| Memoranda: | ||
| Average total assets | $135,474,000 | 3,932 |
| Average earning assets | $126,597,670 | 3,881 |
| Average equity | $11,683,000 | 4,456 |
| Average total loans | $109,975,670 | 3,244 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7931% | 1,063 |
| Cost of funding earning assets | 0.4995% | 2,914 |
| Net interest margin | 4.2935% | 1,010 |
| Noninterest income to average assets | 0.7297% | 2,030 |
| Noninterest expense to average assets | 4.2335% | 584 |
| Loan and lease loss provision to assets | 0.0089% | 3,710 |
| Net operating income to assets | 0.4993% | 4,699 |
| Return on assets (ROA) | 0.5022% | 4,762 |
| Pretax return on assets | 0.5022% | 5,162 |
| Return on Equity (ROE) | 5.8349% | 4,110 |
| Retained earnings to average equity (ytd only) | 1.5445% | 4,990 |
| Net charge-offs to loans | 0.0662% | 2,492 |
| Credit loss provision to net charge-offs | 16.6667% | 2,538 |
| Earnings coverage of net charge-offs (x) | 9.5556% | 1,926 |
| Efficiency ratio | 89.2835% | 1,095 |
| Assets per employee ($millions) | 2.9624% | 5,900 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 3,935 |
| Loan loss allowance to noncurrent loans | 204.5897% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.8380% | 3,628 |
| Noncurrent loans to loans | 0.6516% | 4,232 |
| Net loans and leases to total assets | 79.8920% | 562 |
| Net loans and leases to deposits | 99.2515% | 476 |
| Net loans and leases to core deposits | 103.7322% | 875 |
| Total domestic deposits to total assets | 80.4945% | 5,386 |
| Equity capital to assets | 8.5661% | 5,583 |
| Core capital (leverage) ratio | 8.4930% | 5,654 |
| Tier 1 risk-based capital ratio | 11.4810% | 5,922 |
| Total risk-based capital ratio | 12.7339% | 5,870 |
| Memoranda: | ||
| Average total assets | $135,396,500 | 3,971 |
| Average earning assets | $126,516,500 | 3,915 |
| Average equity | $11,654,000 | 4,479 |
| Average total loans | $108,761,000 | 3,286 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1231% | 740 |
| Cost of funding earning assets | 0.4808% | 3,809 |
| Net interest margin | 4.6423% | 558 |
| Noninterest income to average assets | 0.7922% | 2,111 |
| Noninterest expense to average assets | 4.2425% | 667 |
| Loan and lease loss provision to assets | 0.2783% | 1,245 |
| Net operating income to assets | 0.5955% | 4,283 |
| Return on assets (ROA) | 0.5955% | 4,399 |
| Pretax return on assets | 0.5955% | 4,888 |
| Return on Equity (ROE) | 6.6439% | 3,751 |
| Retained earnings to average equity (ytd only) | 2.6194% | 4,392 |
| Net charge-offs to loans | 0.2920% | 2,228 |
| Credit loss provision to net charge-offs | 119.7324% | 2,000 |
| Earnings coverage of net charge-offs (x) | 3.7592% | 3,755 |
| Efficiency ratio | 82.9205% | 1,761 |
| Assets per employee ($millions) | 2.9244% | 5,953 |
| Cash dividends to net income (ytd only)* | 60.5744% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 3,715 |
| Loan loss allowance to noncurrent loans | 160.6486% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 1.2503% | 2,914 |
| Noncurrent loans to loans | 0.8630% | 3,821 |
| Net loans and leases to total assets | 78.5711% | 759 |
| Net loans and leases to deposits | 97.3681% | 635 |
| Net loans and leases to core deposits | 102.1355% | 1,015 |
| Total domestic deposits to total assets | 80.6949% | 5,268 |
| Equity capital to assets | 8.6490% | 5,424 |
| Core capital (leverage) ratio | 8.4816% | 5,693 |
| Tier 1 risk-based capital ratio | 11.7635% | 5,765 |
| Total risk-based capital ratio | 13.0173% | 5,695 |
| Memoranda: | ||
| Average total assets | $128,627,200 | 4,095 |
| Average earning assets | $119,811,200 | 4,053 |
| Average equity | $11,529,400 | 4,541 |
| Average total loans | $102,399,600 | 3,393 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1414% | 721 |
| Cost of funding earning assets | 0.4628% | 4,136 |
| Net interest margin | 4.6786% | 534 |
| Noninterest income to average assets | 0.8147% | 2,073 |
| Noninterest expense to average assets | 4.3474% | 601 |
| Loan and lease loss provision to assets | 0.2559% | 1,390 |
| Net operating income to assets | 0.5683% | 4,482 |
| Return on assets (ROA) | 0.5683% | 4,632 |
| Pretax return on assets | 0.5683% | 5,141 |
| Return on Equity (ROE) | 6.2823% | 4,033 |
| Retained earnings to average equity (ytd only) | 0.9041% | 5,616 |
| Net charge-offs to loans | 0.2622% | 2,240 |
| Credit loss provision to net charge-offs | 122.6131% | 1,917 |
| Earnings coverage of net charge-offs (x) | 3.9497% | 3,577 |
| Efficiency ratio | 84.0633% | 1,588 |
| Assets per employee ($millions) | 2.8230% | 6,118 |
| Cash dividends to net income (ytd only)* | 85.6085% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 3,957 |
| Loan loss allowance to noncurrent loans | 70.4643% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.9521% | 2,082 |
| Noncurrent loans to loans | 1.9666% | 2,293 |
| Net loans and leases to total assets | 78.9510% | 653 |
| Net loans and leases to deposits | 98.0209% | 571 |
| Net loans and leases to core deposits | 102.8927% | 941 |
| Total domestic deposits to total assets | 80.5451% | 5,347 |
| Equity capital to assets | 8.6056% | 5,617 |
| Core capital (leverage) ratio | 8.9367% | 5,220 |
| Tier 1 risk-based capital ratio | 11.6391% | 5,989 |
| Total risk-based capital ratio | 12.8929% | 5,946 |
| Memoranda: | ||
| Average total assets | $127,153,000 | 4,173 |
| Average earning assets | $118,407,750 | 4,121 |
| Average equity | $11,503,000 | 4,590 |
| Average total loans | $101,203,750 | 3,449 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2083% | 630 |
| Cost of funding earning assets | 0.4860% | 4,024 |
| Net interest margin | 4.7223% | 488 |
| Noninterest income to average assets | 0.8475% | 2,009 |
| Noninterest expense to average assets | 4.3827% | 584 |
| Loan and lease loss provision to assets | 0.2649% | 1,399 |
| Net operating income to assets | 0.5889% | 4,349 |
| Return on assets (ROA) | 0.5889% | 4,534 |
| Pretax return on assets | 0.5889% | 5,055 |
| Return on Equity (ROE) | 6.4000% | 3,935 |
| Retained earnings to average equity (ytd only) | 2.2721% | 4,834 |
| Net charge-offs to loans | 0.2853% | 2,057 |
| Credit loss provision to net charge-offs | 116.9014% | 1,898 |
| Earnings coverage of net charge-offs (x) | 3.7676% | 3,305 |
| Efficiency ratio | 83.6940% | 1,671 |
| Assets per employee ($millions) | 2.5398% | 6,460 |
| Cash dividends to net income (ytd only)* | 64.4986% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 3,967 |
| Loan loss allowance to noncurrent loans | 104.6143% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.4985% | 2,854 |
| Noncurrent loans to loans | 1.3524% | 3,292 |
| Net loans and leases to total assets | 79.6160% | 573 |
| Net loans and leases to deposits | 94.9129% | 744 |
| Net loans and leases to core deposits | 99.6383% | 1,109 |
| Total domestic deposits to total assets | 83.8832% | 4,368 |
| Equity capital to assets | 9.0801% | 5,136 |
| Core capital (leverage) ratio | 8.9607% | 5,062 |
| Tier 1 risk-based capital ratio | 12.2201% | 5,668 |
| Total risk-based capital ratio | 13.4739% | 5,610 |
| Memoranda: | ||
| Average total assets | $125,310,330 | 4,236 |
| Average earning assets | $116,469,000 | 4,190 |
| Average equity | $11,531,330 | 4,619 |
| Average total loans | $99,530,000 | 3,504 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2447% | 560 |
| Cost of funding earning assets | 0.5176% | 3,901 |
| Net interest margin | 4.7272% | 455 |
| Noninterest income to average assets | 0.7809% | 2,207 |
| Noninterest expense to average assets | 4.3609% | 599 |
| Loan and lease loss provision to assets | 0.2732% | 1,292 |
| Net operating income to assets | 0.5495% | 4,456 |
| Return on assets (ROA) | 0.5495% | 4,611 |
| Pretax return on assets | 0.5495% | 5,116 |
| Return on Equity (ROE) | 5.9316% | 4,086 |
| Retained earnings to average equity (ytd only) | 3.5034% | 4,141 |
| Net charge-offs to loans | 0.1510% | 2,494 |
| Credit loss provision to net charge-offs | 229.7297% | 991 |
| Earnings coverage of net charge-offs (x) | 6.9189% | 2,148 |
| Efficiency ratio | 84.1290% | 1,749 |
| Assets per employee ($millions) | 2.4993% | 6,587 |
| Cash dividends to net income (ytd only)* | 40.9357% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 3,896 |
| Loan loss allowance to noncurrent loans | 118.8558% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 1.6661% | 2,782 |
| Noncurrent loans to loans | 1.2459% | 3,695 |
| Net loans and leases to total assets | 78.5282% | 558 |
| Net loans and leases to deposits | 91.6813% | 831 |
| Net loans and leases to core deposits | 96.2163% | 1,190 |
| Total domestic deposits to total assets | 85.6535% | 3,706 |
| Equity capital to assets | 9.2523% | 5,192 |
| Core capital (leverage) ratio | 8.9605% | 4,948 |
| Tier 1 risk-based capital ratio | 12.3898% | 5,653 |
| Total risk-based capital ratio | 13.6445% | 5,596 |
| Memoranda: | ||
| Average total assets | $124,469,500 | 4,293 |
| Average earning assets | $115,926,000 | 4,241 |
| Average equity | $11,531,500 | 4,665 |
| Average total loans | $98,016,500 | 3,564 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3752% | 797 |
| Cost of funding earning assets | 0.5890% | 4,454 |
| Net interest margin | 4.7862% | 555 |
| Noninterest income to average assets | 0.7759% | 2,362 |
| Noninterest expense to average assets | 4.2293% | 741 |
| Loan and lease loss provision to assets | -0.2033% | 6,983 |
| Net operating income to assets | 1.2038% | 1,591 |
| Return on assets (ROA) | 0.8289% | 3,398 |
| Pretax return on assets | 0.8289% | 4,184 |
| Return on Equity (ROE) | 9.3525% | 2,461 |
| Retained earnings to average equity (ytd only) | 4.3282% | 3,183 |
| Net charge-offs to loans | 0.0421% | 5,331 |
| Credit loss provision to net charge-offs | -626.8293% | 6,539 |
| Earnings coverage of net charge-offs (x) | 30.8537% | 989 |
| Efficiency ratio | 80.8681% | 2,025 |
| Assets per employee ($millions) | 2.3841% | 6,718 |
| Cash dividends to net income (ytd only)* | 53.7214% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 3,830 |
| Loan loss allowance to noncurrent loans | 80.0786% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.9633% | 2,492 |
| Noncurrent loans to loans | 1.8480% | 2,861 |
| Net loans and leases to total assets | 76.6275% | 839 |
| Net loans and leases to deposits | 89.5735% | 1,114 |
| Net loans and leases to core deposits | 93.8058% | 1,480 |
| Total domestic deposits to total assets | 85.5471% | 3,587 |
| Equity capital to assets | 9.2769% | 5,179 |
| Core capital (leverage) ratio | 9.0087% | 4,884 |
| Tier 1 risk-based capital ratio | 12.5757% | 5,422 |
| Total risk-based capital ratio | 13.8304% | 5,368 |
| Memoranda: | ||
| Average total assets | $126,428,800 | 4,219 |
| Average earning assets | $117,650,600 | 4,172 |
| Average equity | $11,205,600 | 4,720 |
| Average total loans | $97,276,200 | 3,587 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4055% | 830 |
| Cost of funding earning assets | 0.6106% | 4,536 |
| Net interest margin | 4.7948% | 568 |
| Noninterest income to average assets | 0.7934% | 2,271 |
| Noninterest expense to average assets | 4.3533% | 627 |
| Loan and lease loss provision to assets | -0.3054% | 7,119 |
| Net operating income to assets | 1.2038% | 1,722 |
| Return on assets (ROA) | 0.6780% | 4,278 |
| Pretax return on assets | 0.6780% | 4,929 |
| Return on Equity (ROE) | 7.7374% | 3,404 |
| Retained earnings to average equity (ytd only) | 0.9941% | 5,775 |
| Net charge-offs to loans | 0.0027% | 5,729 |
| Credit loss provision to net charge-offs | -14,550.0000% | 6,714 |
| Earnings coverage of net charge-offs (x) | 427.4532% | 106 |
| Efficiency ratio | 82.8937% | 1,711 |
| Assets per employee ($millions) | 2.4287% | 6,760 |
| Cash dividends to net income (ytd only)* | 87.1521% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 3,935 |
| Loan loss allowance to noncurrent loans | 91.5016% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.7883% | 2,932 |
| Noncurrent loans to loans | 1.6441% | 3,327 |
| Net loans and leases to total assets | 75.6919% | 1,014 |
| Net loans and leases to deposits | 88.3248% | 1,311 |
| Net loans and leases to core deposits | 92.4852% | 1,733 |
| Total domestic deposits to total assets | 85.6972% | 3,416 |
| Equity capital to assets | 9.0026% | 5,824 |
| Core capital (leverage) ratio | 8.4855% | 5,769 |
| Tier 1 risk-based capital ratio | 12.1287% | 5,865 |
| Total risk-based capital ratio | 13.3831% | 5,839 |
| Memoranda: | ||
| Average total assets | $127,042,250 | 4,252 |
| Average earning assets | $118,124,000 | 4,197 |
| Average equity | $11,131,750 | 4,778 |
| Average total loans | $97,488,750 | 3,623 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4264% | 827 |
| Cost of funding earning assets | 0.6296% | 4,631 |
| Net interest margin | 4.7968% | 566 |
| Noninterest income to average assets | 0.8103% | 2,137 |
| Noninterest expense to average assets | 4.3231% | 638 |
| Loan and lease loss provision to assets | -0.5480% | 7,208 |
| Net operating income to assets | 1.4957% | 999 |
| Return on assets (ROA) | 0.7135% | 4,063 |
| Pretax return on assets | 0.7135% | 4,789 |
| Return on Equity (ROE) | 8.2155% | 3,157 |
| Retained earnings to average equity (ytd only) | 0.0899% | 6,011 |
| Net charge-offs to loans | 0.0122% | 5,284 |
| Credit loss provision to net charge-offs | -5,850.0000% | 6,572 |
| Earnings coverage of net charge-offs (x) | 101.1667% | 421 |
| Efficiency ratio | 82.0201% | 1,879 |
| Assets per employee ($millions) | 2.3990% | 6,831 |
| Cash dividends to net income (ytd only)* | 98.9059% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 4,358 |
| Loan loss allowance to noncurrent loans | 101.6345% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 1.5142% | 3,432 |
| Noncurrent loans to loans | 1.4042% | 3,813 |
| Net loans and leases to total assets | 75.7433% | 999 |
| Net loans and leases to deposits | 88.2910% | 1,343 |
| Net loans and leases to core deposits | 91.2911% | 1,841 |
| Total domestic deposits to total assets | 85.7883% | 3,466 |
| Equity capital to assets | 9.0141% | 5,684 |
| Core capital (leverage) ratio | 8.3265% | 5,875 |
| Tier 1 risk-based capital ratio | 11.8642% | 6,018 |
| Total risk-based capital ratio | 13.1180% | 5,986 |
| Memoranda: | ||
| Average total assets | $128,101,670 | 4,248 |
| Average earning assets | $119,122,000 | 4,198 |
| Average equity | $11,125,330 | 4,786 |
| Average total loans | $98,256,000 | 3,618 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4174% | 886 |
| Cost of funding earning assets | 0.6500% | 4,737 |
| Net interest margin | 4.7674% | 607 |
| Noninterest income to average assets | 0.8445% | 1,968 |
| Noninterest expense to average assets | 4.2904% | 675 |
| Loan and lease loss provision to assets | -1.3130% | 7,290 |
| Net operating income to assets | 2.3209% | 236 |
| Return on assets (ROA) | 0.7767% | 3,736 |
| Pretax return on assets | 0.7767% | 4,504 |
| Return on Equity (ROE) | 9.1094% | 2,783 |
| Retained earnings to average equity (ytd only) | 7.6273% | 2,118 |
| Net charge-offs to loans | 0.2896% | 2,511 |
| Credit loss provision to net charge-offs | -591.6667% | 5,813 |
| Earnings coverage of net charge-offs (x) | 4.5417% | 2,553 |
| Efficiency ratio | 80.9773% | 2,081 |
| Assets per employee ($millions) | 2.5305% | 6,826 |
| Cash dividends to net income (ytd only)* | 16.2698% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 5,265 |
| Loan loss allowance to noncurrent loans | 140.0685% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 1.0492% | 4,396 |
| Noncurrent loans to loans | 0.8903% | 4,886 |
| Net loans and leases to total assets | 75.2956% | 886 |
| Net loans and leases to deposits | 87.2413% | 1,256 |
| Net loans and leases to core deposits | 90.0783% | 1,847 |
| Total domestic deposits to total assets | 86.3073% | 3,354 |
| Equity capital to assets | 8.7831% | 5,764 |
| Core capital (leverage) ratio | 8.2968% | 5,880 |
| Tier 1 risk-based capital ratio | 12.0051% | 5,963 |
| Total risk-based capital ratio | 13.2563% | 5,943 |
| Memoranda: | ||
| Average total assets | $129,778,000 | 4,236 |
| Average earning assets | $121,239,000 | 4,172 |
| Average equity | $11,065,500 | 4,811 |
| Average total loans | $99,455,500 | 3,608 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4754% | 1,222 |
| Cost of funding earning assets | 0.8975% | 4,133 |
| Net interest margin | 4.5779% | 964 |
| Noninterest income to average assets | 0.6801% | 2,726 |
| Noninterest expense to average assets | 4.1694% | 843 |
| Loan and lease loss provision to assets | 0.0284% | 6,216 |
| Net operating income to assets | 0.7518% | 3,253 |
| Return on assets (ROA) | 0.7548% | 3,406 |
| Pretax return on assets | 0.7548% | 4,135 |
| Return on Equity (ROE) | 9.4862% | 2,253 |
| Retained earnings to average equity (ytd only) | 7.2884% | 1,368 |
| Net charge-offs to loans | 0.1835% | 4,677 |
| Credit loss provision to net charge-offs | 21.1111% | 5,903 |
| Earnings coverage of net charge-offs (x) | 5.8000% | 2,680 |
| Efficiency ratio | 84.2368% | 1,738 |
| Assets per employee ($millions) | 2.6100% | 6,707 |
| Cash dividends to net income (ytd only)* | 23.1683% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 3,140 |
| Loan loss allowance to noncurrent loans | 151.1832% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 1.2115% | 4,213 |
| Noncurrent loans to loans | 1.1352% | 4,462 |
| Net loans and leases to total assets | 75.6977% | 992 |
| Net loans and leases to deposits | 87.2692% | 1,478 |
| Net loans and leases to core deposits | 95.7442% | 1,521 |
| Total domestic deposits to total assets | 86.7404% | 2,901 |
| Equity capital to assets | 8.2727% | 6,374 |
| Core capital (leverage) ratio | 8.1945% | 6,011 |
| Tier 1 risk-based capital ratio | 11.5775% | 6,114 |
| Total risk-based capital ratio | 12.8352% | 6,095 |
| Memoranda: | ||
| Average total assets | $133,808,800 | 4,097 |
| Average earning assets | $124,794,000 | 4,042 |
| Average equity | $10,647,000 | 4,877 |
| Average total loans | $98,071,400 | 3,670 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4472% | 1,396 |
| Cost of funding earning assets | 0.9500% | 4,045 |
| Net interest margin | 4.4972% | 1,156 |
| Noninterest income to average assets | 0.7219% | 2,472 |
| Noninterest expense to average assets | 4.1850% | 812 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7279% | 3,471 |
| Return on assets (ROA) | 0.7249% | 3,662 |
| Pretax return on assets | 0.7249% | 4,393 |
| Return on Equity (ROE) | 9.1989% | 2,503 |
| Retained earnings to average equity (ytd only) | 6.5850% | 2,203 |
| Net charge-offs to loans | 0.2189% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 4.5937% | 3,012 |
| Efficiency ratio | 85.1844% | 1,616 |
| Assets per employee ($millions) | 2.6245% | 6,749 |
| Cash dividends to net income (ytd only)* | 28.4155% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7264% | 3,182 |
| Loan loss allowance to noncurrent loans | 149.4746% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 1.3942% | 4,035 |
| Noncurrent loans to loans | 1.1549% | 4,610 |
| Net loans and leases to total assets | 75.5603% | 1,049 |
| Net loans and leases to deposits | 86.2900% | 1,648 |
| Net loans and leases to core deposits | 93.9895% | 1,792 |
| Total domestic deposits to total assets | 87.5655% | 2,316 |
| Equity capital to assets | 8.4773% | 6,316 |
| Core capital (leverage) ratio | 7.9393% | 6,448 |
| Tier 1 risk-based capital ratio | 11.4962% | 6,243 |
| Total risk-based capital ratio | 12.7544% | 6,232 |
| Memoranda: | ||
| Average total assets | $134,635,500 | 4,105 |
| Average earning assets | $125,469,000 | 4,053 |
| Average equity | $10,609,750 | 4,890 |
| Average total loans | $97,461,250 | 3,712 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3803% | 1,622 |
| Cost of funding earning assets | 0.9829% | 4,065 |
| Net interest margin | 4.3973% | 1,377 |
| Noninterest income to average assets | 0.6703% | 2,711 |
| Noninterest expense to average assets | 4.1538% | 866 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6220% | 3,950 |
| Return on assets (ROA) | 0.6177% | 4,101 |
| Pretax return on assets | 0.6177% | 4,684 |
| Return on Equity (ROE) | 8.0287% | 2,934 |
| Retained earnings to average equity (ytd only) | 4.0714% | 3,609 |
| Net charge-offs to loans | 0.4702% | 2,699 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.8640% | 3,934 |
| Efficiency ratio | 86.9752% | 1,516 |
| Assets per employee ($millions) | 2.6188% | 6,761 |
| Cash dividends to net income (ytd only)* | 49.2891% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6793% | 3,390 |
| Loan loss allowance to noncurrent loans | 223.9071% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.9928% | 4,880 |
| Noncurrent loans to loans | 0.7500% | 5,407 |
| Net loans and leases to total assets | 71.8514% | 1,816 |
| Net loans and leases to deposits | 81.0240% | 2,613 |
| Net loans and leases to core deposits | 89.5688% | 2,430 |
| Total domestic deposits to total assets | 88.6792% | 1,734 |
| Equity capital to assets | 7.9568% | 6,708 |
| Core capital (leverage) ratio | 7.3784% | 6,825 |
| Tier 1 risk-based capital ratio | 11.2683% | 6,340 |
| Total risk-based capital ratio | 12.5260% | 6,334 |
| Memoranda: | ||
| Average total assets | $136,646,670 | 4,095 |
| Average earning assets | $127,577,000 | 4,037 |
| Average equity | $10,512,330 | 4,917 |
| Average total loans | $96,988,670 | 3,767 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3029% | 1,858 |
| Cost of funding earning assets | 1.0090% | 4,140 |
| Net interest margin | 4.2938% | 1,578 |
| Noninterest income to average assets | 0.7178% | 2,466 |
| Noninterest expense to average assets | 4.1363% | 880 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5847% | 4,114 |
| Return on assets (ROA) | 0.5847% | 4,180 |
| Pretax return on assets | 0.5847% | 4,746 |
| Return on Equity (ROE) | 7.7284% | 3,037 |
| Retained earnings to average equity (ytd only) | 7.2692% | 2,032 |
| Net charge-offs to loans | -0.0414% | 6,830 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6150% | 1,558 |
| Assets per employee ($millions) | 2.7061% | 6,685 |
| Cash dividends to net income (ytd only)* | 5.9406% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9411% | 2,565 |
| Loan loss allowance to noncurrent loans | 248.6093% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 1.0651% | 4,795 |
| Noncurrent loans to loans | 0.7808% | 5,475 |
| Net loans and leases to total assets | 68.7037% | 2,401 |
| Net loans and leases to deposits | 77.6259% | 3,130 |
| Net loans and leases to core deposits | 85.1412% | 3,014 |
| Total domestic deposits to total assets | 88.5062% | 2,073 |
| Equity capital to assets | 7.6609% | 6,775 |
| Core capital (leverage) ratio | 7.3207% | 6,843 |
| Tier 1 risk-based capital ratio | 11.1452% | 6,400 |
| Total risk-based capital ratio | 12.4055% | 6,360 |
| Memoranda: | ||
| Average total assets | $138,190,500 | 4,093 |
| Average earning assets | $128,835,500 | 4,050 |
| Average equity | $10,455,000 | 4,927 |
| Average total loans | $96,681,500 | 3,815 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8338% | 1,189 |
| Cost of funding earning assets | 1.5343% | 2,447 |
| Net interest margin | 4.2995% | 1,824 |
| Noninterest income to average assets | 0.8334% | 2,130 |
| Noninterest expense to average assets | 3.9630% | 1,215 |
| Loan and lease loss provision to assets | 0.1746% | 5,478 |
| Net operating income to assets | 0.7116% | 3,188 |
| Return on assets (ROA) | 0.6939% | 3,384 |
| Pretax return on assets | 0.6939% | 3,997 |
| Return on Equity (ROE) | 9.0905% | 2,256 |
| Retained earnings to average equity (ytd only) | 6.8430% | 1,390 |
| Net charge-offs to loans | 0.2637% | 4,716 |
| Credit loss provision to net charge-offs | 89.4118% | 5,150 |
| Earnings coverage of net charge-offs (x) | 4.5373% | 2,884 |
| Efficiency ratio | 81.7248% | 2,198 |
| Assets per employee ($millions) | 2.6609% | 6,748 |
| Cash dividends to net income (ytd only)* | 24.7241% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9314% | 2,468 |
| Loan loss allowance to noncurrent loans | 282.8788% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 1.0046% | 4,993 |
| Noncurrent loans to loans | 0.6828% | 5,680 |
| Net loans and leases to total assets | 68.5122% | 2,861 |
| Net loans and leases to deposits | 80.6532% | 3,051 |
| Net loans and leases to core deposits | 88.5848% | 2,967 |
| Total domestic deposits to total assets | 84.9467% | 3,881 |
| Equity capital to assets | 7.4707% | 6,894 |
| Core capital (leverage) ratio | 7.0943% | 6,976 |
| Tier 1 risk-based capital ratio | 10.8391% | 6,456 |
| Total risk-based capital ratio | 12.0987% | 6,418 |
| Memoranda: | ||
| Average total assets | $130,557,200 | 4,250 |
| Average earning assets | $121,945,000 | 4,190 |
| Average equity | $9,966,400 | 5,148 |
| Average total loans | $96,710,800 | 3,881 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9077% | 1,120 |
| Cost of funding earning assets | 1.6479% | 2,118 |
| Net interest margin | 4.2599% | 1,993 |
| Noninterest income to average assets | 0.8968% | 1,812 |
| Noninterest expense to average assets | 4.1729% | 858 |
| Loan and lease loss provision to assets | 0.0726% | 6,333 |
| Net operating income to assets | 0.6366% | 3,717 |
| Return on assets (ROA) | 0.6355% | 3,891 |
| Pretax return on assets | 0.6355% | 4,467 |
| Return on Equity (ROE) | 8.2776% | 2,803 |
| Retained earnings to average equity (ytd only) | 6.1575% | 2,283 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4746% | 1,683 |
| Assets per employee ($millions) | 2.6049% | 6,928 |
| Cash dividends to net income (ytd only)* | 25.6121% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0308% | 2,148 |
| Loan loss allowance to noncurrent loans | 158.1320% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 1.2937% | 4,555 |
| Noncurrent loans to loans | 1.2842% | 4,711 |
| Net loans and leases to total assets | 72.7454% | 2,065 |
| Net loans and leases to deposits | 86.0876% | 2,323 |
| Net loans and leases to core deposits | 88.9928% | 3,235 |
| Total domestic deposits to total assets | 84.5016% | 3,865 |
| Equity capital to assets | 7.8298% | 6,911 |
| Core capital (leverage) ratio | 7.6934% | 6,677 |
| Tier 1 risk-based capital ratio | 10.9017% | 6,460 |
| Total risk-based capital ratio | 12.1642% | 6,430 |
| Memoranda: | ||
| Average total assets | $128,604,500 | 4,360 |
| Average earning assets | $120,314,000 | 4,279 |
| Average equity | $9,873,750 | 5,235 |
| Average total loans | $96,722,000 | 3,950 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9091% | 1,163 |
| Cost of funding earning assets | 1.7283% | 1,979 |
| Net interest margin | 4.1807% | 2,216 |
| Noninterest income to average assets | 0.8621% | 1,831 |
| Noninterest expense to average assets | 4.1716% | 840 |
| Loan and lease loss provision to assets | 0.0312% | 6,630 |
| Net operating income to assets | 0.5732% | 3,978 |
| Return on assets (ROA) | 0.5716% | 4,132 |
| Pretax return on assets | 0.5716% | 4,661 |
| Return on Equity (ROE) | 7.4956% | 3,116 |
| Retained earnings to average equity (ytd only) | 4.8537% | 2,980 |
| Net charge-offs to loans | -0.0372% | 7,397 |
| Credit loss provision to net charge-offs | -111.1111% | 6,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3447% | 1,574 |
| Assets per employee ($millions) | 2.5167% | 7,083 |
| Cash dividends to net income (ytd only)* | 35.2459% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0058% | 2,161 |
| Loan loss allowance to noncurrent loans | 161.1343% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 1.3327% | 4,487 |
| Noncurrent loans to loans | 1.2448% | 4,889 |
| Net loans and leases to total assets | 75.0115% | 1,690 |
| Net loans and leases to deposits | 89.7022% | 1,910 |
| Net loans and leases to core deposits | 93.1125% | 2,831 |
| Total domestic deposits to total assets | 83.6229% | 4,283 |
| Equity capital to assets | 7.8755% | 6,866 |
| Core capital (leverage) ratio | 7.3150% | 6,986 |
| Tier 1 risk-based capital ratio | 10.9086% | 6,332 |
| Total risk-based capital ratio | 12.1710% | 6,308 |
| Memoranda: | ||
| Average total assets | $128,057,330 | 4,403 |
| Average earning assets | $119,883,670 | 4,312 |
| Average equity | $9,765,670 | 5,265 |
| Average total loans | $96,725,330 | 3,989 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8753% | 1,259 |
| Cost of funding earning assets | 1.7775% | 1,981 |
| Net interest margin | 4.0978% | 2,449 |
| Noninterest income to average assets | 0.8361% | 1,858 |
| Noninterest expense to average assets | 4.0970% | 903 |
| Loan and lease loss provision to assets | 0.0619% | 6,024 |
| Net operating income to assets | 0.5110% | 4,341 |
| Return on assets (ROA) | 0.5079% | 4,493 |
| Pretax return on assets | 0.5079% | 4,931 |
| Return on Equity (ROE) | 6.7674% | 3,468 |
| Retained earnings to average equity (ytd only) | 3.5075% | 4,041 |
| Net charge-offs to loans | -0.1527% | 7,616 |
| Credit loss provision to net charge-offs | -54.0541% | 6,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7321% | 1,616 |
| Assets per employee ($millions) | 2.6141% | 7,013 |
| Cash dividends to net income (ytd only)* | 48.1707% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0189% | 2,137 |
| Loan loss allowance to noncurrent loans | 231.7102% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.9678% | 5,214 |
| Noncurrent loans to loans | 0.8713% | 5,575 |
| Net loans and leases to total assets | 72.4433% | 2,346 |
| Net loans and leases to deposits | 90.0366% | 1,892 |
| Net loans and leases to core deposits | 93.4470% | 2,911 |
| Total domestic deposits to total assets | 80.4598% | 5,636 |
| Equity capital to assets | 7.4963% | 7,077 |
| Core capital (leverage) ratio | 7.1866% | 7,114 |
| Tier 1 risk-based capital ratio | 10.4805% | 6,650 |
| Total risk-based capital ratio | 11.7425% | 6,627 |
| Memoranda: | ||
| Average total assets | $129,169,000 | 4,432 |
| Average earning assets | $120,844,000 | 4,353 |
| Average equity | $9,693,500 | 5,322 |
| Average total loans | $96,927,000 | 4,053 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4094% | 814 |
| Cost of funding earning assets | 2.1723% | 2,149 |
| Net interest margin | 4.2371% | 1,950 |
| Noninterest income to average assets | 0.9597% | 1,706 |
| Noninterest expense to average assets | 4.2606% | 1,028 |
| Loan and lease loss provision to assets | 0.1986% | 5,751 |
| Net operating income to assets | 0.4798% | 3,813 |
| Return on assets (ROA) | 0.4798% | 3,908 |
| Pretax return on assets | 0.4798% | 4,251 |
| Return on Equity (ROE) | 6.5098% | 2,986 |
| Retained earnings to average equity (ytd only) | 5.6568% | 1,492 |
| Net charge-offs to loans | 0.1972% | 5,415 |
| Credit loss provision to net charge-offs | 126.9841% | 4,091 |
| Earnings coverage of net charge-offs (x) | 4.3386% | 2,982 |
| Efficiency ratio | 86.2647% | 2,079 |
| Assets per employee ($millions) | 2.4545% | 7,276 |
| Cash dividends to net income (ytd only)* | 13.1034% | 3,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 2,148 |
| Loan loss allowance to noncurrent loans | 304.0128% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.8282% | 5,441 |
| Noncurrent loans to loans | 0.6408% | 5,955 |
| Net loans and leases to total assets | 74.6844% | 2,098 |
| Net loans and leases to deposits | 95.2515% | 1,425 |
| Net loans and leases to core deposits | 126.6048% | 1,469 |
| Total domestic deposits to total assets | 78.4076% | 6,141 |
| Equity capital to assets | 7.5129% | 7,026 |
| Core capital (leverage) ratio | 6.8349% | 7,351 |
| Tier 1 risk-based capital ratio | 10.2396% | 6,647 |
| Total risk-based capital ratio | 11.5007% | 6,607 |
| Memoranda: | ||
| Average total assets | $120,874,400 | 4,539 |
| Average earning assets | $113,520,000 | 4,459 |
| Average equity | $8,909,600 | 5,632 |
| Average total loans | $95,863,200 | 4,064 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4365% | 862 |
| Cost of funding earning assets | 2.2272% | 2,285 |
| Net interest margin | 4.2093% | 2,022 |
| Noninterest income to average assets | 0.9878% | 1,649 |
| Noninterest expense to average assets | 4.3081% | 906 |
| Loan and lease loss provision to assets | 0.2014% | 5,375 |
| Net operating income to assets | 0.4363% | 4,252 |
| Return on assets (ROA) | 0.4363% | 4,354 |
| Pretax return on assets | 0.4363% | 4,700 |
| Return on Equity (ROE) | 5.9497% | 3,549 |
| Retained earnings to average equity (ytd only) | 4.7903% | 2,612 |
| Net charge-offs to loans | 0.2163% | 4,680 |
| Credit loss provision to net charge-offs | 116.1290% | 4,372 |
| Earnings coverage of net charge-offs (x) | 3.6774% | 3,426 |
| Efficiency ratio | 87.1070% | 1,954 |
| Assets per employee ($millions) | 2.5339% | 7,174 |
| Cash dividends to net income (ytd only)* | 19.4869% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9556% | 1,900 |
| Loan loss allowance to noncurrent loans | 281.3253% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.9641% | 5,134 |
| Noncurrent loans to loans | 0.6951% | 5,912 |
| Net loans and leases to total assets | 75.4281% | 2,118 |
| Net loans and leases to deposits | 94.0168% | 1,881 |
| Net loans and leases to core deposits | 128.2742% | 1,561 |
| Total domestic deposits to total assets | 80.2283% | 5,356 |
| Equity capital to assets | 7.5506% | 7,262 |
| Core capital (leverage) ratio | 7.5068% | 6,960 |
| Tier 1 risk-based capital ratio | 10.1888% | 6,789 |
| Total risk-based capital ratio | 11.4531% | 6,715 |
| Memoranda: | ||
| Average total assets | $119,184,750 | 4,618 |
| Average earning assets | $112,067,000 | 4,536 |
| Average equity | $8,739,750 | 5,738 |
| Average total loans | $95,525,000 | 4,101 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4942% | 834 |
| Cost of funding earning assets | 2.2779% | 2,453 |
| Net interest margin | 4.2162% | 1,936 |
| Noninterest income to average assets | 0.9904% | 1,628 |
| Noninterest expense to average assets | 4.2340% | 1,031 |
| Loan and lease loss provision to assets | 0.2042% | 5,008 |
| Net operating income to assets | 0.5241% | 4,006 |
| Return on assets (ROA) | 0.5241% | 4,118 |
| Pretax return on assets | 0.5241% | 4,539 |
| Return on Equity (ROE) | 7.2233% | 3,101 |
| Retained earnings to average equity (ytd only) | 5.4409% | 2,275 |
| Net charge-offs to loans | 0.3475% | 3,448 |
| Credit loss provision to net charge-offs | 72.2892% | 5,377 |
| Earnings coverage of net charge-offs (x) | 2.5783% | 3,778 |
| Efficiency ratio | 85.3224% | 2,320 |
| Assets per employee ($millions) | 2.4222% | 7,394 |
| Cash dividends to net income (ytd only)* | 24.6753% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8842% | 1,832 |
| Loan loss allowance to noncurrent loans | 219.1463% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 1.1399% | 4,669 |
| Noncurrent loans to loans | 0.8598% | 5,499 |
| Net loans and leases to total assets | 78.8407% | 1,564 |
| Net loans and leases to deposits | 102.5704% | 1,031 |
| Net loans and leases to core deposits | 138.5716% | 1,078 |
| Total domestic deposits to total assets | 76.8649% | 6,360 |
| Equity capital to assets | 7.4859% | 7,280 |
| Core capital (leverage) ratio | 7.5763% | 6,929 |
| Tier 1 risk-based capital ratio | 10.2422% | 6,658 |
| Total risk-based capital ratio | 11.5019% | 6,576 |
| Memoranda: | ||
| Average total assets | $117,525,670 | 4,699 |
| Average earning assets | $110,715,000 | 4,608 |
| Average equity | $8,528,000 | 5,836 |
| Average total loans | $95,526,330 | 4,129 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5020% | 861 |
| Cost of funding earning assets | 2.3693% | 2,419 |
| Net interest margin | 4.1327% | 2,152 |
| Noninterest income to average assets | 0.9509% | 1,637 |
| Noninterest expense to average assets | 4.1866% | 956 |
| Loan and lease loss provision to assets | 0.2052% | 4,392 |
| Net operating income to assets | 0.4549% | 4,633 |
| Return on assets (ROA) | 0.4549% | 4,806 |
| Pretax return on assets | 0.4549% | 5,230 |
| Return on Equity (ROE) | 6.3716% | 3,875 |
| Retained earnings to average equity (ytd only) | 4.4074% | 3,464 |
| Net charge-offs to loans | -0.0167% | 7,391 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3797% | 2,031 |
| Assets per employee ($millions) | 2.4268% | 7,414 |
| Cash dividends to net income (ytd only)* | 30.8271% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9546% | 1,516 |
| Loan loss allowance to noncurrent loans | 142.1013% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 1.1795% | 4,309 |
| Noncurrent loans to loans | 1.3755% | 4,253 |
| Net loans and leases to total assets | 82.1200% | 998 |
| Net loans and leases to deposits | 104.2332% | 995 |
| Net loans and leases to core deposits | 138.9195% | 1,155 |
| Total domestic deposits to total assets | 78.7849% | 5,796 |
| Equity capital to assets | 7.1321% | 7,607 |
| Core capital (leverage) ratio | 7.4868% | 7,173 |
| Tier 1 risk-based capital ratio | 10.0779% | 6,829 |
| Total risk-based capital ratio | 11.3391% | 6,737 |
| Memoranda: | ||
| Average total assets | $116,943,500 | 4,730 |
| Average earning assets | $110,243,500 | 4,631 |
| Average equity | $8,349,500 | 5,935 |
| Average total loans | $95,603,000 | 4,164 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9859% | 1,171 |
| Cost of funding earning assets | 2.6254% | 3,554 |
| Net interest margin | 4.3605% | 1,791 |
| Noninterest income to average assets | 2.0112% | 340 |
| Noninterest expense to average assets | 4.1514% | 1,199 |
| Loan and lease loss provision to assets | 0.5125% | 2,758 |
| Net operating income to assets | 1.3395% | 1,374 |
| Return on assets (ROA) | 0.5523% | 4,368 |
| Pretax return on assets | 0.5735% | 4,770 |
| Return on Equity (ROE) | 7.2732% | 3,389 |
| Retained earnings to average equity (ytd only) | -0.8030% | 5,543 |
| Net charge-offs to loans | 0.4719% | 2,472 |
| Credit loss provision to net charge-offs | 141.1192% | 3,757 |
| Earnings coverage of net charge-offs (x) | 5.2482% | 3,716 |
| Efficiency ratio | 68.5339% | 4,625 |
| Assets per employee ($millions) | 2.5522% | 7,107 |
| Cash dividends to net income (ytd only)* | 111.0400% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9682% | 1,288 |
| Loan loss allowance to noncurrent loans | 197.7468% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.9038% | 4,586 |
| Noncurrent loans to loans | 0.9953% | 4,604 |
| Net loans and leases to total assets | 78.1915% | 2,086 |
| Net loans and leases to deposits | 103.0143% | 1,465 |
| Net loans and leases to core deposits | 135.2547% | 1,524 |
| Total domestic deposits to total assets | 75.9035% | 6,269 |
| Equity capital to assets | 7.1474% | 7,656 |
| Core capital (leverage) ratio | 7.1841% | 7,539 |
| Tier 1 risk-based capital ratio | 10.3500% | 6,365 |
| Total risk-based capital ratio | 11.6117% | 6,228 |
| Memoranda: | ||
| Average total assets | $113,165,600 | 4,689 |
| Average earning assets | $105,011,200 | 4,643 |
| Average equity | $8,593,200 | 5,876 |
| Average total loans | $87,096,800 | 4,306 |