Home > Citizens National Bank > Performance and Condition Ratios
Citizens National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0201% | 30 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9,008.0000% | 37 |
| Cost of funding earning assets | 1.0000% | 3,290 |
| Net interest margin | 3,103.0000% | 2 |
| Noninterest income to average assets | 0.1373% | 4,145 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0003% | 4,327 |
| Return on assets (ROA) | 1.6704% | 742 |
| Pretax return on assets | 1.6704% | 1,120 |
| Return on Equity (ROE) | 20.4500% | 575 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0068% | 2,431 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 1.5437% | 2,751 |
| Efficiency ratio | 0.0000% | 4,579 |
| Assets per employee ($millions) | 0.0943% | 4,561 |
| Cash dividends to net income (ytd only)* | 18.0000% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0009% | 3,801 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 168,149.0000% | 2 |
| Equity capital to assets | 811,648.0000% | 2 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $81,500,000 | 4,003 |
| Average earning assets | $6,754 | 4,563 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 3,054 |
| Cost of funding earning assets | 0.1327% | 4,493 |
| Net interest margin | 4.2912% | 812 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.9436% | 1,150 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5374% | 1,048 |
| Return on assets (ROA) | 1.5374% | 1,034 |
| Pretax return on assets | 1.5374% | 1,491 |
| Return on Equity (ROE) | 19.3800% | 788 |
| Retained earnings to average equity (ytd only) | 19.1842% | 290 |
| Net charge-offs to loans | 0.0192% | 1,745 |
| Credit loss provision to net charge-offs | 20.0000% | 2,013 |
| Earnings coverage of net charge-offs (x) | 241.6000% | 524 |
| Efficiency ratio | 65.6721% | 2,310 |
| Assets per employee ($millions) | 7.7762% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.9942% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0690% | 352 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 32.3100% | 4,279 |
| Net loans and leases to deposits | 36.0001% | 4,298 |
| Net loans and leases to core deposits | 36.5639% | 4,319 |
| Total domestic deposits to total assets | 89.7400% | 1,005 |
| Equity capital to assets | 8.1006% | 2,984 |
| Core capital (leverage) ratio | 12.6325% | 1,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $104,676,500 | 3,798 |
| Average earning assets | $98,462,500 | 3,775 |
| Average equity | $8,305,250 | 3,900 |
| Average total loans | $34,719,250 | 4,091 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4234% | 2,830 |
| Cost of funding earning assets | 0.0883% | 4,523 |
| Net interest margin | 4.3351% | 766 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.8846% | 1,247 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6416% | 888 |
| Return on assets (ROA) | 1.6416% | 890 |
| Pretax return on assets | 1.6416% | 1,334 |
| Return on Equity (ROE) | 20.8300% | 626 |
| Retained earnings to average equity (ytd only) | 20.5417% | 232 |
| Net charge-offs to loans | 0.0114% | 1,772 |
| Credit loss provision to net charge-offs | 50.0000% | 1,670 |
| Earnings coverage of net charge-offs (x) | 435.0000% | 335 |
| Efficiency ratio | 63.7046% | 2,521 |
| Assets per employee ($millions) | 7.9728% | 1,335 |
| Cash dividends to net income (ytd only)* | 1.3809% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9572% | 451 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 33.4400% | 4,253 |
| Net loans and leases to deposits | 37.2423% | 4,272 |
| Net loans and leases to core deposits | 37.9235% | 4,292 |
| Total domestic deposits to total assets | 89.8000% | 980 |
| Equity capital to assets | 8.2385% | 3,062 |
| Core capital (leverage) ratio | 11.7507% | 1,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $105,871,667 | 3,804 |
| Average earning assets | $99,651,000 | 3,778 |
| Average equity | $8,344,000 | 3,925 |
| Average total loans | $35,175,667 | 4,092 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 2,570 |
| Cost of funding earning assets | 0.0993% | 4,533 |
| Net interest margin | 4.2916% | 817 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.7855% | 1,462 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7386% | 766 |
| Return on assets (ROA) | 1.7386% | 755 |
| Pretax return on assets | 1.7386% | 1,194 |
| Return on Equity (ROE) | 22.5600% | 544 |
| Retained earnings to average equity (ytd only) | 21.9730% | 287 |
| Net charge-offs to loans | 0.0114% | 1,521 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 465.0000% | 247 |
| Efficiency ratio | 61.5702% | 2,748 |
| Assets per employee ($millions) | 8.1892% | 1,254 |
| Cash dividends to net income (ytd only)* | 2.5806% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0047% | 434 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 31.7700% | 4,327 |
| Net loans and leases to deposits | 35.4046% | 4,344 |
| Net loans and leases to core deposits | 36.2352% | 4,361 |
| Total domestic deposits to total assets | 89.7500% | 1,249 |
| Equity capital to assets | 8.3243% | 3,025 |
| Core capital (leverage) ratio | 10.8397% | 1,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $106,984,000 | 3,846 |
| Average earning assets | $100,755,000 | 3,816 |
| Average equity | $8,246,500 | 3,977 |
| Average total loans | $35,085,500 | 4,150 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2843% | 3,628 |
| Cost of funding earning assets | 0.1007% | 4,389 |
| Net interest margin | 3.1836% | 2,919 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.5118% | 2,071 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8421% | 3,183 |
| Return on assets (ROA) | 0.8421% | 3,113 |
| Pretax return on assets | 0.8421% | 3,511 |
| Return on Equity (ROE) | 10.3500% | 2,696 |
| Retained earnings to average equity (ytd only) | 5.1968% | 2,962 |
| Net charge-offs to loans | 0.0264% | 1,530 |
| Credit loss provision to net charge-offs | 30.0000% | 1,891 |
| Earnings coverage of net charge-offs (x) | 93.1000% | 1,008 |
| Efficiency ratio | 74.8310% | 1,137 |
| Assets per employee ($millions) | 7.6791% | 1,503 |
| Cash dividends to net income (ytd only)* | 49.7845% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9438% | 479 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 32.5200% | 4,323 |
| Net loans and leases to deposits | 35.6910% | 4,349 |
| Net loans and leases to core deposits | 36.3774% | 4,367 |
| Total domestic deposits to total assets | 91.1100% | 913 |
| Equity capital to assets | 7.0981% | 3,619 |
| Core capital (leverage) ratio | 10.5669% | 2,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $110,201,400 | 3,832 |
| Average earning assets | $101,269,800 | 3,826 |
| Average equity | $8,967,000 | 3,996 |
| Average total loans | $37,843,000 | 4,106 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0381% | 3,816 |
| Cost of funding earning assets | 0.1027% | 4,259 |
| Net interest margin | 2.9354% | 3,399 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.5133% | 1,982 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6061% | 3,821 |
| Return on assets (ROA) | 0.6061% | 3,777 |
| Pretax return on assets | 0.6061% | 3,977 |
| Return on Equity (ROE) | 7.2200% | 3,544 |
| Retained earnings to average equity (ytd only) | 7.1102% | 2,325 |
| Net charge-offs to loans | 0.0382% | 1,114 |
| Credit loss provision to net charge-offs | 27.2727% | 1,611 |
| Earnings coverage of net charge-offs (x) | 46.0909% | 1,325 |
| Efficiency ratio | 80.4775% | 745 |
| Assets per employee ($millions) | 7.3811% | 1,688 |
| Cash dividends to net income (ytd only)* | 1.5873% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8922% | 611 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 32.4100% | 4,357 |
| Net loans and leases to deposits | 35.6444% | 4,376 |
| Net loans and leases to core deposits | 36.3106% | 4,395 |
| Total domestic deposits to total assets | 90.9200% | 1,272 |
| Equity capital to assets | 7.1173% | 3,447 |
| Core capital (leverage) ratio | 10.3171% | 2,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $110,874,750 | 3,852 |
| Average earning assets | $101,245,750 | 3,849 |
| Average equity | $9,301,000 | 4,005 |
| Average total loans | $38,390,750 | 4,117 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7916% | 3,993 |
| Cost of funding earning assets | 0.1037% | 4,155 |
| Net interest margin | 2.6879% | 3,724 |
| Noninterest income to average assets | 0.4598% | 2,398 |
| Noninterest expense to average assets | 2.4953% | 1,945 |
| Loan and lease loss provision to assets | 0.0054% | 2,507 |
| Net operating income to assets | 0.3894% | 4,126 |
| Return on assets (ROA) | 0.3894% | 4,077 |
| Pretax return on assets | 0.3894% | 4,175 |
| Return on Equity (ROE) | 4.4196% | 3,926 |
| Retained earnings to average equity (ytd only) | 4.2559% | 2,993 |
| Net charge-offs to loans | 0.0872% | 632 |
| Credit loss provision to net charge-offs | 17.6471% | 1,612 |
| Earnings coverage of net charge-offs (x) | 12.8824% | 1,698 |
| Efficiency ratio | 86.3381% | 569 |
| Assets per employee ($millions) | 7.4620% | 1,639 |
| Cash dividends to net income (ytd only)* | 3.7037% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 34.1070% | 4,332 |
| Net loans and leases to deposits | 37.6865% | 4,348 |
| Net loans and leases to core deposits | 38.3864% | 4,375 |
| Total domestic deposits to total assets | 90.5021% | 1,461 |
| Equity capital to assets | 7.6324% | 3,386 |
| Core capital (leverage) ratio | 10.1339% | 2,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,927,667 | 3,889 |
| Average earning assets | $100,301,333 | 3,915 |
| Average equity | $9,774,667 | 4,022 |
| Average total loans | $38,997,000 | 4,154 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6221% | 4,087 |
| Cost of funding earning assets | 0.1067% | 4,053 |
| Net interest margin | 2.5154% | 3,873 |
| Noninterest income to average assets | 0.5361% | 1,968 |
| Noninterest expense to average assets | 2.5248% | 1,820 |
| Loan and lease loss provision to assets | 0.0036% | 2,237 |
| Net operating income to assets | 0.2282% | 4,288 |
| Return on assets (ROA) | 0.2282% | 4,253 |
| Pretax return on assets | 0.2282% | 4,293 |
| Return on Equity (ROE) | 2.4253% | 4,195 |
| Retained earnings to average equity (ytd only) | 2.2713% | 3,474 |
| Net charge-offs to loans | 0.1638% | 363 |
| Credit loss provision to net charge-offs | 6.2500% | 1,324 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 1,639 |
| Efficiency ratio | 91.5900% | 480 |
| Assets per employee ($millions) | 7.3687% | 1,760 |
| Cash dividends to net income (ytd only)* | 6.3492% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 35.0692% | 4,260 |
| Net loans and leases to deposits | 39.3727% | 4,272 |
| Net loans and leases to core deposits | 40.0202% | 4,313 |
| Total domestic deposits to total assets | 89.0699% | 2,048 |
| Equity capital to assets | 8.9731% | 2,730 |
| Core capital (leverage) ratio | 9.8839% | 2,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,426,500 | 3,910 |
| Average earning assets | $97,479,000 | 3,955 |
| Average equity | $10,390,500 | 4,016 |
| Average total loans | $39,064,000 | 4,172 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5453% | 561 |
| Cost of funding earning assets | 0.2379% | 3,064 |
| Net interest margin | 4.3073% | 400 |
| Noninterest income to average assets | 0.6021% | 2,145 |
| Noninterest expense to average assets | 2.5466% | 2,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8247% | 3,257 |
| Return on assets (ROA) | 0.8247% | 3,330 |
| Pretax return on assets | 0.8247% | 3,674 |
| Return on Equity (ROE) | 7.6924% | 3,321 |
| Retained earnings to average equity (ytd only) | 0.0549% | 4,471 |
| Net charge-offs to loans | -0.0228% | 4,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5381% | 1,147 |
| Assets per employee ($millions) | 6.8952% | 1,995 |
| Cash dividends to net income (ytd only)* | 99.2866% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8123% | 843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 34.4262% | 4,359 |
| Net loans and leases to deposits | 39.0014% | 4,369 |
| Net loans and leases to core deposits | 39.5259% | 4,405 |
| Total domestic deposits to total assets | 88.2690% | 1,891 |
| Equity capital to assets | 9.8465% | 2,805 |
| Core capital (leverage) ratio | 10.0432% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,981,000 | 3,970 |
| Average earning assets | $65,562,800 | 4,315 |
| Average equity | $10,932,800 | 4,045 |
| Average total loans | $39,448,000 | 4,203 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9408% | 337 |
| Cost of funding earning assets | 0.2876% | 2,716 |
| Net interest margin | 4.6532% | 239 |
| Noninterest income to average assets | 0.4191% | 2,986 |
| Noninterest expense to average assets | 2.5346% | 2,020 |
| Loan and lease loss provision to assets | 0.0200% | 2,597 |
| Net operating income to assets | 0.6286% | 3,954 |
| Return on assets (ROA) | 0.6286% | 4,007 |
| Pretax return on assets | 0.6286% | 4,194 |
| Return on Equity (ROE) | 5.7349% | 3,977 |
| Retained earnings to average equity (ytd only) | 2.8614% | 3,947 |
| Net charge-offs to loans | -0.0135% | 3,798 |
| Credit loss provision to net charge-offs | -375.0000% | 3,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6226% | 769 |
| Assets per employee ($millions) | 6.6088% | 2,169 |
| Cash dividends to net income (ytd only)* | 50.1062% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 1,072 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,290 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 38.4036% | 4,281 |
| Net loans and leases to deposits | 44.0071% | 4,311 |
| Net loans and leases to core deposits | 44.6320% | 4,356 |
| Total domestic deposits to total assets | 87.2669% | 2,237 |
| Equity capital to assets | 10.5570% | 2,416 |
| Core capital (leverage) ratio | 10.7134% | 1,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,895,500 | 4,042 |
| Average earning assets | $59,340,750 | 4,448 |
| Average equity | $10,950,250 | 4,095 |
| Average total loans | $39,639,750 | 4,255 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2556% | 237 |
| Cost of funding earning assets | 0.3602% | 2,232 |
| Net interest margin | 4.8954% | 194 |
| Noninterest income to average assets | 0.4308% | 2,949 |
| Noninterest expense to average assets | 2.5279% | 2,055 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4839% | 4,251 |
| Return on assets (ROA) | 0.4839% | 4,290 |
| Pretax return on assets | 0.4839% | 4,407 |
| Return on Equity (ROE) | 4.3569% | 4,261 |
| Retained earnings to average equity (ytd only) | 0.0184% | 4,507 |
| Net charge-offs to loans | -0.0256% | 4,089 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9322% | 556 |
| Assets per employee ($millions) | 6.3864% | 2,245 |
| Cash dividends to net income (ytd only)* | 99.5781% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6083% | 1,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 4,342 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 41.7314% | 4,195 |
| Net loans and leases to deposits | 47.8731% | 4,226 |
| Net loans and leases to core deposits | 48.5772% | 4,300 |
| Total domestic deposits to total assets | 87.1709% | 2,231 |
| Equity capital to assets | 10.6526% | 2,266 |
| Core capital (leverage) ratio | 11.0714% | 1,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,947,333 | 4,083 |
| Average earning assets | $51,640,333 | 4,578 |
| Average equity | $10,879,333 | 4,115 |
| Average total loans | $39,080,000 | 4,302 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8273% | 472 |
| Cost of funding earning assets | 0.3868% | 2,205 |
| Net interest margin | 4.4405% | 397 |
| Noninterest income to average assets | 0.4675% | 2,769 |
| Noninterest expense to average assets | 2.5170% | 2,132 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2504% | 4,593 |
| Return on assets (ROA) | 0.2504% | 4,615 |
| Pretax return on assets | 0.2504% | 4,642 |
| Return on Equity (ROE) | 2.2066% | 4,583 |
| Retained earnings to average equity (ytd only) | -6.3256% | 4,738 |
| Net charge-offs to loans | 0.0325% | 1,158 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,254 |
| Efficiency ratio | 90.9502% | 345 |
| Assets per employee ($millions) | 6.0704% | 2,530 |
| Cash dividends to net income (ytd only)* | 386.6667% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8274% | 829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 4,411 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 38.1093% | 4,415 |
| Net loans and leases to deposits | 43.9601% | 4,420 |
| Net loans and leases to core deposits | 44.6425% | 4,481 |
| Total domestic deposits to total assets | 86.6905% | 2,445 |
| Equity capital to assets | 11.0032% | 1,857 |
| Core capital (leverage) ratio | 11.1982% | 1,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,830,000 | 4,123 |
| Average earning assets | $49,634,000 | 4,625 |
| Average equity | $10,876,500 | 4,123 |
| Average total loans | $36,950,500 | 4,356 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3158% | 258 |
| Cost of funding earning assets | 0.3463% | 3,884 |
| Net interest margin | 4.9696% | 129 |
| Noninterest income to average assets | 0.4191% | 3,017 |
| Noninterest expense to average assets | 2.7689% | 2,020 |
| Loan and lease loss provision to assets | 0.0478% | 3,799 |
| Net operating income to assets | 0.6014% | 3,752 |
| Return on assets (ROA) | 0.6014% | 3,865 |
| Pretax return on assets | 0.6014% | 4,078 |
| Return on Equity (ROE) | 4.9551% | 3,921 |
| Retained earnings to average equity (ytd only) | 0.7144% | 4,314 |
| Net charge-offs to loans | 0.1177% | 1,309 |
| Credit loss provision to net charge-offs | 97.7273% | 2,869 |
| Earnings coverage of net charge-offs (x) | 13.2727% | 2,289 |
| Efficiency ratio | 81.0081% | 816 |
| Assets per employee ($millions) | 5.9084% | 2,428 |
| Cash dividends to net income (ytd only)* | 85.5823% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9117% | 703 |
| Loan loss allowance to noncurrent loans | 3,295.2381% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 4,272 |
| Noncurrent loans to loans | 0.0580% | 4,057 |
| Net loans and leases to total assets | 37.5590% | 4,546 |
| Net loans and leases to deposits | 43.7174% | 4,538 |
| Net loans and leases to core deposits | 44.4197% | 4,587 |
| Total domestic deposits to total assets | 85.9130% | 2,401 |
| Equity capital to assets | 11.7058% | 1,731 |
| Core capital (leverage) ratio | 12.0438% | 1,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,962,400 | 4,121 |
| Average earning assets | $54,290,600 | 4,524 |
| Average equity | $10,918,000 | 4,090 |
| Average total loans | $37,385,000 | 4,367 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4307% | 267 |
| Cost of funding earning assets | 0.3458% | 4,080 |
| Net interest margin | 5.0849% | 122 |
| Noninterest income to average assets | 0.4894% | 2,654 |
| Noninterest expense to average assets | 2.9602% | 1,532 |
| Loan and lease loss provision to assets | 0.0642% | 3,536 |
| Net operating income to assets | 0.6650% | 3,582 |
| Return on assets (ROA) | 0.6650% | 3,684 |
| Pretax return on assets | 0.6650% | 3,972 |
| Return on Equity (ROE) | 5.4283% | 3,744 |
| Retained earnings to average equity (ytd only) | -0.2451% | 4,520 |
| Net charge-offs to loans | 0.1451% | 1,008 |
| Credit loss provision to net charge-offs | 104.8780% | 2,588 |
| Earnings coverage of net charge-offs (x) | 11.8537% | 2,279 |
| Efficiency ratio | 80.2278% | 854 |
| Assets per employee ($millions) | 5.4844% | 2,724 |
| Cash dividends to net income (ytd only)* | 104.5147% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7826% | 757 |
| Loan loss allowance to noncurrent loans | 952.0548% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 3,780 |
| Noncurrent loans to loans | 0.1872% | 3,640 |
| Net loans and leases to total assets | 43.6387% | 4,433 |
| Net loans and leases to deposits | 51.6016% | 4,427 |
| Net loans and leases to core deposits | 52.5080% | 4,505 |
| Total domestic deposits to total assets | 84.5687% | 2,605 |
| Equity capital to assets | 12.5504% | 1,400 |
| Core capital (leverage) ratio | 12.0408% | 1,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,819,500 | 4,136 |
| Average earning assets | $55,902,750 | 4,514 |
| Average equity | $10,881,000 | 4,101 |
| Average total loans | $37,681,750 | 4,380 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7300% | 218 |
| Cost of funding earning assets | 0.3564% | 4,242 |
| Net interest margin | 5.3736% | 102 |
| Noninterest income to average assets | 0.5136% | 2,515 |
| Noninterest expense to average assets | 3.1780% | 1,198 |
| Loan and lease loss provision to assets | 0.0964% | 3,068 |
| Net operating income to assets | 0.6549% | 3,566 |
| Return on assets (ROA) | 0.6549% | 3,658 |
| Pretax return on assets | 0.6549% | 3,961 |
| Return on Equity (ROE) | 5.3889% | 3,722 |
| Retained earnings to average equity (ytd only) | -3.1559% | 4,668 |
| Net charge-offs to loans | 0.2255% | 690 |
| Credit loss provision to net charge-offs | 102.3810% | 2,380 |
| Earnings coverage of net charge-offs (x) | 7.9762% | 2,328 |
| Efficiency ratio | 80.8790% | 825 |
| Assets per employee ($millions) | 5.6719% | 2,468 |
| Cash dividends to net income (ytd only)* | 158.5616% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7315% | 767 |
| Loan loss allowance to noncurrent loans | 1,334.6154% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 4,027 |
| Noncurrent loans to loans | 0.1297% | 3,937 |
| Net loans and leases to total assets | 43.4006% | 4,481 |
| Net loans and leases to deposits | 50.9317% | 4,491 |
| Net loans and leases to core deposits | 51.7869% | 4,574 |
| Total domestic deposits to total assets | 85.2132% | 2,301 |
| Equity capital to assets | 11.9857% | 1,670 |
| Core capital (leverage) ratio | 12.0124% | 1,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,176,000 | 4,143 |
| Average earning assets | $56,684,333 | 4,517 |
| Average equity | $10,837,000 | 4,110 |
| Average total loans | $37,246,333 | 4,402 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5290% | 353 |
| Cost of funding earning assets | 0.3889% | 4,399 |
| Net interest margin | 5.1402% | 158 |
| Noninterest income to average assets | 0.6064% | 2,018 |
| Noninterest expense to average assets | 2.9596% | 1,986 |
| Loan and lease loss provision to assets | 0.1901% | 1,579 |
| Net operating income to assets | 0.7467% | 3,105 |
| Return on assets (ROA) | 0.7467% | 3,178 |
| Pretax return on assets | 0.7467% | 3,552 |
| Return on Equity (ROE) | 6.1015% | 3,283 |
| Retained earnings to average equity (ytd only) | -11.0197% | 4,796 |
| Net charge-offs to loans | 0.4354% | 335 |
| Credit loss provision to net charge-offs | 107.6923% | 1,773 |
| Earnings coverage of net charge-offs (x) | 5.3077% | 2,072 |
| Efficiency ratio | 75.9582% | 1,567 |
| Assets per employee ($millions) | 5.3719% | 2,251 |
| Cash dividends to net income (ytd only)* | 280.6061% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9735% | 522 |
| Loan loss allowance to noncurrent loans | 376.2162% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 3,410 |
| Noncurrent loans to loans | 0.5246% | 2,688 |
| Net loans and leases to total assets | 40.2229% | 4,657 |
| Net loans and leases to deposits | 47.4453% | 4,680 |
| Net loans and leases to core deposits | 48.1223% | 4,728 |
| Total domestic deposits to total assets | 84.7774% | 2,499 |
| Equity capital to assets | 12.3815% | 1,803 |
| Core capital (leverage) ratio | 11.8647% | 1,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1881% | 434 |
| Memoranda: | ||
| Average total assets | $88,389,000 | 4,150 |
| Average earning assets | $56,574,000 | 4,534 |
| Average equity | $10,817,000 | 4,132 |
| Average total loans | $35,829,500 | 4,455 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5689% | 2,716 |
| Cost of funding earning assets | 0.2567% | 4,835 |
| Net interest margin | 4.3122% | 1,068 |
| Noninterest income to average assets | 0.5160% | 2,642 |
| Noninterest expense to average assets | 2.8023% | 2,595 |
| Loan and lease loss provision to assets | 0.0402% | 3,209 |
| Net operating income to assets | 1.1448% | 2,273 |
| Return on assets (ROA) | 1.1448% | 2,370 |
| Pretax return on assets | 1.1448% | 3,030 |
| Return on Equity (ROE) | 9.8144% | 2,383 |
| Retained earnings to average equity (ytd only) | 7.5356% | 1,150 |
| Net charge-offs to loans | 0.0399% | 2,587 |
| Credit loss provision to net charge-offs | 257.1429% | 1,067 |
| Earnings coverage of net charge-offs (x) | 75.7857% | 831 |
| Efficiency ratio | 70.2801% | 2,131 |
| Assets per employee ($millions) | 5.3428% | 2,203 |
| Cash dividends to net income (ytd only)* | 23.2195% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9043% | 542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 4,421 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 39.3033% | 4,762 |
| Net loans and leases to deposits | 46.0887% | 4,785 |
| Net loans and leases to core deposits | 47.8211% | 4,796 |
| Total domestic deposits to total assets | 85.2775% | 2,388 |
| Equity capital to assets | 12.1021% | 2,074 |
| Core capital (leverage) ratio | 12.1208% | 1,702 |
| Tier 1 risk-based capital ratio | 23.4293% | 875 |
| Total risk-based capital ratio | 24.6828% | 858 |
| Memoranda: | ||
| Average total assets | $89,533,600 | 4,155 |
| Average earning assets | $72,073,800 | 4,311 |
| Average equity | $10,443,800 | 4,184 |
| Average total loans | $35,102,400 | 4,532 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4686% | 3,158 |
| Cost of funding earning assets | 0.2407% | 4,947 |
| Net interest margin | 4.2278% | 1,311 |
| Noninterest income to average assets | 0.5425% | 2,500 |
| Noninterest expense to average assets | 2.8247% | 2,498 |
| Loan and lease loss provision to assets | 0.0538% | 2,833 |
| Net operating income to assets | 1.2076% | 2,172 |
| Return on assets (ROA) | 1.2076% | 2,248 |
| Pretax return on assets | 1.2076% | 2,958 |
| Return on Equity (ROE) | 10.4525% | 2,233 |
| Retained earnings to average equity (ytd only) | 7.3736% | 1,678 |
| Net charge-offs to loans | 0.0192% | 2,736 |
| Credit loss provision to net charge-offs | 720.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 168.7121% | 500 |
| Efficiency ratio | 69.1295% | 2,238 |
| Assets per employee ($millions) | 5.2282% | 2,307 |
| Cash dividends to net income (ytd only)* | 29.4558% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9472% | 512 |
| Loan loss allowance to noncurrent loans | 287.7049% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.3477% | 3,119 |
| Noncurrent loans to loans | 0.6768% | 2,266 |
| Net loans and leases to total assets | 39.7727% | 4,823 |
| Net loans and leases to deposits | 46.7859% | 4,853 |
| Net loans and leases to core deposits | 48.9003% | 4,861 |
| Total domestic deposits to total assets | 85.0101% | 2,420 |
| Equity capital to assets | 12.0533% | 2,217 |
| Core capital (leverage) ratio | 11.8473% | 1,964 |
| Tier 1 risk-based capital ratio | 24.6869% | 788 |
| Total risk-based capital ratio | 25.9417% | 776 |
| Memoranda: | ||
| Average total assets | $89,210,250 | 4,209 |
| Average earning assets | $74,772,500 | 4,328 |
| Average equity | $10,306,750 | 4,246 |
| Average total loans | $34,780,250 | 4,600 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 3,279 |
| Cost of funding earning assets | 0.2326% | 5,003 |
| Net interest margin | 4.1866% | 1,398 |
| Noninterest income to average assets | 0.5598% | 2,344 |
| Noninterest expense to average assets | 2.7676% | 2,694 |
| Loan and lease loss provision to assets | 0.0694% | 2,432 |
| Net operating income to assets | 1.2696% | 1,879 |
| Return on assets (ROA) | 1.2696% | 1,947 |
| Pretax return on assets | 1.2696% | 2,673 |
| Return on Equity (ROE) | 11.1490% | 1,920 |
| Retained earnings to average equity (ytd only) | 6.4692% | 2,068 |
| Net charge-offs to loans | 0.2620% | 636 |
| Credit loss provision to net charge-offs | 68.8889% | 2,325 |
| Earnings coverage of net charge-offs (x) | 13.2889% | 2,107 |
| Efficiency ratio | 67.3937% | 2,625 |
| Assets per employee ($millions) | 5.3139% | 2,135 |
| Cash dividends to net income (ytd only)* | 41.9753% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8818% | 582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 4,398 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 37.9218% | 4,917 |
| Net loans and leases to deposits | 44.2751% | 4,948 |
| Net loans and leases to core deposits | 46.2214% | 4,954 |
| Total domestic deposits to total assets | 85.6502% | 2,200 |
| Equity capital to assets | 11.5668% | 2,560 |
| Core capital (leverage) ratio | 11.4829% | 2,182 |
| Tier 1 risk-based capital ratio | 23.2385% | 923 |
| Total risk-based capital ratio | 24.4918% | 896 |
| Memoranda: | ||
| Average total assets | $89,320,330 | 4,235 |
| Average earning assets | $75,669,330 | 4,338 |
| Average equity | $10,171,330 | 4,280 |
| Average total loans | $34,356,330 | 4,646 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3906% | 3,264 |
| Cost of funding earning assets | 0.2303% | 5,040 |
| Net interest margin | 4.1604% | 1,402 |
| Noninterest income to average assets | 0.6531% | 1,813 |
| Noninterest expense to average assets | 2.8194% | 2,501 |
| Loan and lease loss provision to assets | 0.0901% | 1,907 |
| Net operating income to assets | 1.3241% | 1,615 |
| Return on assets (ROA) | 1.3241% | 1,658 |
| Pretax return on assets | 1.3241% | 2,361 |
| Return on Equity (ROE) | 11.7219% | 1,644 |
| Retained earnings to average equity (ytd only) | 2.2327% | 3,999 |
| Net charge-offs to loans | 0.5282% | 281 |
| Credit loss provision to net charge-offs | 44.4444% | 2,006 |
| Earnings coverage of net charge-offs (x) | 6.9778% | 2,162 |
| Efficiency ratio | 66.5957% | 2,854 |
| Assets per employee ($millions) | 5.2243% | 2,257 |
| Cash dividends to net income (ytd only)* | 80.9524% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8838% | 605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 4,411 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 37.8852% | 4,963 |
| Net loans and leases to deposits | 44.1585% | 4,981 |
| Net loans and leases to core deposits | 46.1253% | 4,988 |
| Total domestic deposits to total assets | 85.7937% | 2,367 |
| Equity capital to assets | 11.3790% | 2,499 |
| Core capital (leverage) ratio | 11.3423% | 2,249 |
| Tier 1 risk-based capital ratio | 23.3398% | 902 |
| Total risk-based capital ratio | 24.5933% | 880 |
| Memoranda: | ||
| Average total assets | $88,812,500 | 4,282 |
| Average earning assets | $76,435,500 | 4,365 |
| Average equity | $10,032,500 | 4,323 |
| Average total loans | $34,077,500 | 4,702 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0278% | 3,950 |
| Cost of funding earning assets | 0.2498% | 4,809 |
| Net interest margin | 3.7779% | 2,750 |
| Noninterest income to average assets | 0.4870% | 2,898 |
| Noninterest expense to average assets | 2.6490% | 3,182 |
| Loan and lease loss provision to assets | 0.0231% | 3,708 |
| Net operating income to assets | 0.8308% | 3,691 |
| Return on assets (ROA) | 0.8308% | 3,687 |
| Pretax return on assets | 0.8308% | 4,088 |
| Return on Equity (ROE) | 7.8060% | 3,519 |
| Retained earnings to average equity (ytd only) | 6.5844% | 1,876 |
| Net charge-offs to loans | 0.0561% | 2,340 |
| Credit loss provision to net charge-offs | 116.6667% | 2,220 |
| Earnings coverage of net charge-offs (x) | 43.0556% | 1,247 |
| Efficiency ratio | 75.6213% | 1,415 |
| Assets per employee ($millions) | 5.5508% | 1,911 |
| Cash dividends to net income (ytd only)* | 15.6499% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9816% | 486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 4,425 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 37.3722% | 5,032 |
| Net loans and leases to deposits | 43.4244% | 5,039 |
| Net loans and leases to core deposits | 45.5058% | 5,049 |
| Total domestic deposits to total assets | 86.0627% | 2,199 |
| Equity capital to assets | 11.2136% | 2,502 |
| Core capital (leverage) ratio | 11.3661% | 2,206 |
| Tier 1 risk-based capital ratio | 22.9697% | 925 |
| Total risk-based capital ratio | 24.2240% | 893 |
| Memoranda: | ||
| Average total assets | $90,750,600 | 4,257 |
| Average earning assets | $72,447,200 | 4,451 |
| Average equity | $9,659,200 | 4,357 |
| Average total loans | $32,064,000 | 4,766 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0031% | 3,921 |
| Cost of funding earning assets | 0.2586% | 4,733 |
| Net interest margin | 3.7444% | 2,850 |
| Noninterest income to average assets | 0.5261% | 2,710 |
| Noninterest expense to average assets | 2.7766% | 2,719 |
| Loan and lease loss provision to assets | 0.0307% | 3,405 |
| Net operating income to assets | 0.5962% | 4,513 |
| Return on assets (ROA) | 0.5962% | 4,523 |
| Pretax return on assets | 0.5962% | 4,741 |
| Return on Equity (ROE) | 5.6759% | 4,366 |
| Retained earnings to average equity (ytd only) | 4.0343% | 3,752 |
| Net charge-offs to loans | 0.0675% | 1,871 |
| Credit loss provision to net charge-offs | 131.2500% | 1,879 |
| Earnings coverage of net charge-offs (x) | 26.8162% | 1,729 |
| Efficiency ratio | 81.5801% | 808 |
| Assets per employee ($millions) | 5.5163% | 1,900 |
| Cash dividends to net income (ytd only)* | 28.9215% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1651% | 382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 4,339 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 34.4562% | 5,190 |
| Net loans and leases to deposits | 40.0103% | 5,207 |
| Net loans and leases to core deposits | 41.9341% | 5,199 |
| Total domestic deposits to total assets | 86.1183% | 2,134 |
| Equity capital to assets | 10.9347% | 2,719 |
| Core capital (leverage) ratio | 11.0071% | 2,568 |
| Tier 1 risk-based capital ratio | 24.0303% | 842 |
| Total risk-based capital ratio | 25.2853% | 821 |
| Memoranda: | ||
| Average total assets | $91,235,250 | 4,292 |
| Average earning assets | $70,111,500 | 4,538 |
| Average equity | $9,584,250 | 4,405 |
| Average total loans | $31,614,500 | 4,833 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8992% | 4,084 |
| Cost of funding earning assets | 0.2560% | 4,721 |
| Net interest margin | 3.6432% | 3,145 |
| Noninterest income to average assets | 0.5183% | 2,758 |
| Noninterest expense to average assets | 2.7693% | 2,766 |
| Loan and lease loss provision to assets | 0.0239% | 3,443 |
| Net operating income to assets | 0.5335% | 4,670 |
| Return on assets (ROA) | 0.5335% | 4,678 |
| Pretax return on assets | 0.5335% | 4,846 |
| Return on Equity (ROE) | 5.1454% | 4,508 |
| Retained earnings to average equity (ytd only) | 2.6773% | 4,180 |
| Net charge-offs to loans | 0.0755% | 1,572 |
| Credit loss provision to net charge-offs | 91.6667% | 2,142 |
| Earnings coverage of net charge-offs (x) | 21.4167% | 1,775 |
| Efficiency ratio | 83.2464% | 741 |
| Assets per employee ($millions) | 5.7012% | 1,717 |
| Cash dividends to net income (ytd only)* | 47.9675% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0951% | 446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 4,393 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 34.1694% | 5,232 |
| Net loans and leases to deposits | 39.3488% | 5,260 |
| Net loans and leases to core deposits | 40.8854% | 5,267 |
| Total domestic deposits to total assets | 86.8372% | 1,914 |
| Equity capital to assets | 10.4770% | 3,144 |
| Core capital (leverage) ratio | 10.6283% | 2,891 |
| Tier 1 risk-based capital ratio | 23.5707% | 875 |
| Total risk-based capital ratio | 24.8250% | 847 |
| Memoranda: | ||
| Average total assets | $92,227,000 | 4,311 |
| Average earning assets | $71,091,000 | 4,566 |
| Average equity | $9,562,000 | 4,445 |
| Average total loans | $31,791,330 | 4,879 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 4,137 |
| Cost of funding earning assets | 0.2567% | 4,671 |
| Net interest margin | 3.5714% | 3,278 |
| Noninterest income to average assets | 0.4616% | 3,047 |
| Noninterest expense to average assets | 2.7866% | 2,747 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4357% | 4,853 |
| Return on assets (ROA) | 0.4357% | 4,858 |
| Pretax return on assets | 0.4357% | 4,979 |
| Return on Equity (ROE) | 4.2240% | 4,709 |
| Retained earnings to average equity (ytd only) | -0.7110% | 4,884 |
| Net charge-offs to loans | 0.1385% | 982 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 9.1818% | 1,982 |
| Efficiency ratio | 86.4793% | 616 |
| Assets per employee ($millions) | 5.8065% | 1,676 |
| Cash dividends to net income (ytd only)* | 116.8317% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0453% | 492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 4,501 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 33.8694% | 5,274 |
| Net loans and leases to deposits | 38.8412% | 5,295 |
| Net loans and leases to core deposits | 39.4885% | 5,318 |
| Total domestic deposits to total assets | 87.1997% | 2,046 |
| Equity capital to assets | 10.2138% | 3,373 |
| Core capital (leverage) ratio | 10.2621% | 3,228 |
| Tier 1 risk-based capital ratio | 23.1001% | 934 |
| Total risk-based capital ratio | 24.3557% | 907 |
| Memoranda: | ||
| Average total assets | $92,731,000 | 4,356 |
| Average earning assets | $71,681,500 | 4,602 |
| Average equity | $9,564,500 | 4,491 |
| Average total loans | $31,769,000 | 4,927 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8359% | 3,927 |
| Cost of funding earning assets | 0.2865% | 4,262 |
| Net interest margin | 3.5494% | 3,343 |
| Noninterest income to average assets | 0.6182% | 2,359 |
| Noninterest expense to average assets | 2.8934% | 2,478 |
| Loan and lease loss provision to assets | 0.0129% | 4,031 |
| Net operating income to assets | 0.4380% | 4,570 |
| Return on assets (ROA) | 0.4391% | 4,596 |
| Pretax return on assets | 0.4391% | 5,029 |
| Return on Equity (ROE) | 4.2926% | 4,412 |
| Retained earnings to average equity (ytd only) | 3.0692% | 3,462 |
| Net charge-offs to loans | 0.1438% | 1,637 |
| Credit loss provision to net charge-offs | 25.0000% | 3,575 |
| Earnings coverage of net charge-offs (x) | 8.7083% | 2,876 |
| Efficiency ratio | 86.5161% | 611 |
| Assets per employee ($millions) | 5.4446% | 1,990 |
| Cash dividends to net income (ytd only)* | 28.5012% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1264% | 430 |
| Loan loss allowance to noncurrent loans | 5,138.4615% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 4,475 |
| Noncurrent loans to loans | 0.0414% | 4,818 |
| Net loans and leases to total assets | 33.2192% | 5,364 |
| Net loans and leases to deposits | 38.1150% | 5,388 |
| Net loans and leases to core deposits | 38.7520% | 5,409 |
| Total domestic deposits to total assets | 87.1551% | 1,917 |
| Equity capital to assets | 10.4151% | 3,249 |
| Core capital (leverage) ratio | 10.1791% | 3,222 |
| Tier 1 risk-based capital ratio | 23.6783% | 845 |
| Total risk-based capital ratio | 24.9329% | 830 |
| Memoranda: | ||
| Average total assets | $92,694,600 | 4,377 |
| Average earning assets | $71,195,800 | 4,645 |
| Average equity | $9,481,400 | 4,528 |
| Average total loans | $33,379,800 | 4,913 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8614% | 3,794 |
| Cost of funding earning assets | 0.2998% | 4,136 |
| Net interest margin | 3.5617% | 3,285 |
| Noninterest income to average assets | 0.6212% | 2,356 |
| Noninterest expense to average assets | 3.0382% | 2,005 |
| Loan and lease loss provision to assets | 0.0173% | 3,800 |
| Net operating income to assets | 0.2991% | 5,216 |
| Return on assets (ROA) | 0.3005% | 5,234 |
| Pretax return on assets | 0.3005% | 5,309 |
| Return on Equity (ROE) | 2.9514% | 5,122 |
| Retained earnings to average equity (ytd only) | 1.3133% | 4,880 |
| Net charge-offs to loans | 0.1811% | 1,164 |
| Credit loss provision to net charge-offs | 26.0870% | 3,107 |
| Earnings coverage of net charge-offs (x) | 4.7828% | 3,181 |
| Efficiency ratio | 90.5701% | 390 |
| Assets per employee ($millions) | 4.9983% | 2,446 |
| Cash dividends to net income (ytd only)* | 55.5013% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1076% | 478 |
| Loan loss allowance to noncurrent loans | 195.3353% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.6058% | 2,700 |
| Noncurrent loans to loans | 1.0790% | 1,783 |
| Net loans and leases to total assets | 34.5897% | 5,399 |
| Net loans and leases to deposits | 39.9522% | 5,422 |
| Net loans and leases to core deposits | 41.1885% | 5,434 |
| Total domestic deposits to total assets | 86.5776% | 2,059 |
| Equity capital to assets | 10.6670% | 3,198 |
| Core capital (leverage) ratio | 10.0767% | 3,475 |
| Tier 1 risk-based capital ratio | 25.0617% | 743 |
| Total risk-based capital ratio | 26.3176% | 725 |
| Memoranda: | ||
| Average total assets | $92,728,750 | 4,415 |
| Average earning assets | $71,163,500 | 4,689 |
| Average equity | $9,441,750 | 4,583 |
| Average total loans | $33,871,000 | 4,954 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8220% | 3,819 |
| Cost of funding earning assets | 0.2961% | 4,118 |
| Net interest margin | 3.5258% | 3,307 |
| Noninterest income to average assets | 0.6236% | 2,357 |
| Noninterest expense to average assets | 2.9878% | 2,148 |
| Loan and lease loss provision to assets | 0.0235% | 3,522 |
| Net operating income to assets | 0.3332% | 5,144 |
| Return on assets (ROA) | 0.3332% | 5,166 |
| Pretax return on assets | 0.3332% | 5,294 |
| Return on Equity (ROE) | 3.3227% | 5,032 |
| Retained earnings to average equity (ytd only) | 0.8520% | 4,881 |
| Net charge-offs to loans | 0.1215% | 1,435 |
| Credit loss provision to net charge-offs | 52.3810% | 2,539 |
| Earnings coverage of net charge-offs (x) | 7.9524% | 2,555 |
| Efficiency ratio | 89.3359% | 483 |
| Assets per employee ($millions) | 5.1872% | 2,168 |
| Cash dividends to net income (ytd only)* | 74.3590% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0478% | 551 |
| Loan loss allowance to noncurrent loans | 176.1421% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 2,644 |
| Noncurrent loans to loans | 1.1626% | 1,683 |
| Net loans and leases to total assets | 35.5532% | 5,395 |
| Net loans and leases to deposits | 40.7413% | 5,430 |
| Net loans and leases to core deposits | 41.9427% | 5,445 |
| Total domestic deposits to total assets | 87.2657% | 1,823 |
| Equity capital to assets | 10.2731% | 3,602 |
| Core capital (leverage) ratio | 9.9315% | 3,612 |
| Tier 1 risk-based capital ratio | 22.4352% | 996 |
| Total risk-based capital ratio | 23.6904% | 982 |
| Memoranda: | ||
| Average total assets | $93,648,670 | 4,423 |
| Average earning assets | $72,266,670 | 4,690 |
| Average equity | $9,390,000 | 4,611 |
| Average total loans | $34,564,670 | 4,966 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8044% | 3,754 |
| Cost of funding earning assets | 0.2889% | 4,156 |
| Net interest margin | 3.5155% | 3,220 |
| Noninterest income to average assets | 0.6994% | 1,972 |
| Noninterest expense to average assets | 2.9428% | 2,323 |
| Loan and lease loss provision to assets | 0.0426% | 2,946 |
| Net operating income to assets | 0.4649% | 4,725 |
| Return on assets (ROA) | 0.4649% | 4,744 |
| Pretax return on assets | 0.4649% | 5,024 |
| Return on Equity (ROE) | 4.6937% | 4,515 |
| Retained earnings to average equity (ytd only) | -0.2153% | 4,956 |
| Net charge-offs to loans | 0.1719% | 958 |
| Credit loss provision to net charge-offs | 66.6667% | 1,864 |
| Earnings coverage of net charge-offs (x) | 7.9333% | 2,098 |
| Efficiency ratio | 85.2905% | 863 |
| Assets per employee ($millions) | 4.9287% | 2,539 |
| Cash dividends to net income (ytd only)* | 104.5872% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0525% | 607 |
| Loan loss allowance to noncurrent loans | 203.1977% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.5831% | 2,902 |
| Noncurrent loans to loans | 1.0101% | 2,031 |
| Net loans and leases to total assets | 35.6207% | 5,420 |
| Net loans and leases to deposits | 40.6243% | 5,451 |
| Net loans and leases to core deposits | 41.8102% | 5,476 |
| Total domestic deposits to total assets | 87.6833% | 1,896 |
| Equity capital to assets | 9.9418% | 3,825 |
| Core capital (leverage) ratio | 9.7605% | 3,800 |
| Tier 1 risk-based capital ratio | 22.4846% | 1,034 |
| Total risk-based capital ratio | 23.7414% | 1,011 |
| Memoranda: | ||
| Average total assets | $93,788,000 | 4,464 |
| Average earning assets | $73,389,000 | 4,716 |
| Average equity | $9,289,000 | 4,660 |
| Average total loans | $34,902,000 | 5,002 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5610% | 4,609 |
| Cost of funding earning assets | 0.2381% | 4,673 |
| Net interest margin | 3.3229% | 4,074 |
| Noninterest income to average assets | 0.5567% | 2,877 |
| Noninterest expense to average assets | 2.7939% | 3,042 |
| Loan and lease loss provision to assets | 0.0228% | 3,918 |
| Net operating income to assets | 0.4408% | 4,825 |
| Return on assets (ROA) | 0.4429% | 4,902 |
| Pretax return on assets | 0.4429% | 5,135 |
| Return on Equity (ROE) | 4.5161% | 4,648 |
| Retained earnings to average equity (ytd only) | 3.1971% | 3,634 |
| Net charge-offs to loans | 0.0085% | 3,974 |
| Credit loss provision to net charge-offs | 733.3333% | 491 |
| Earnings coverage of net charge-offs (x) | 149.3333% | 430 |
| Efficiency ratio | 85.7687% | 841 |
| Assets per employee ($millions) | 4.9437% | 2,451 |
| Cash dividends to net income (ytd only)* | 29.2056% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9693% | 694 |
| Loan loss allowance to noncurrent loans | 192.8767% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 2,888 |
| Noncurrent loans to loans | 1.0210% | 2,047 |
| Net loans and leases to total assets | 37.3082% | 5,435 |
| Net loans and leases to deposits | 42.4441% | 5,479 |
| Net loans and leases to core deposits | 43.7547% | 5,492 |
| Total domestic deposits to total assets | 87.8996% | 1,682 |
| Equity capital to assets | 9.8668% | 3,862 |
| Core capital (leverage) ratio | 9.7984% | 3,750 |
| Tier 1 risk-based capital ratio | 21.9697% | 1,089 |
| Total risk-based capital ratio | 23.2260% | 1,060 |
| Memoranda: | ||
| Average total assets | $96,640,800 | 4,412 |
| Average earning assets | $78,545,600 | 4,615 |
| Average equity | $9,477,200 | 4,659 |
| Average total loans | $35,190,800 | 5,036 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5851% | 4,593 |
| Cost of funding earning assets | 0.2352% | 4,750 |
| Net interest margin | 3.3499% | 4,030 |
| Noninterest income to average assets | 0.5658% | 2,843 |
| Noninterest expense to average assets | 2.8675% | 2,753 |
| Loan and lease loss provision to assets | 0.0178% | 3,891 |
| Net operating income to assets | 0.4124% | 4,979 |
| Return on assets (ROA) | 0.4151% | 5,064 |
| Pretax return on assets | 0.4151% | 5,277 |
| Return on Equity (ROE) | 4.2394% | 4,816 |
| Retained earnings to average equity (ytd only) | 2.4905% | 4,429 |
| Net charge-offs to loans | -0.0152% | 4,911 |
| Credit loss provision to net charge-offs | -325.0000% | 4,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9547% | 735 |
| Assets per employee ($millions) | 4.9459% | 2,424 |
| Cash dividends to net income (ytd only)* | 41.2535% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9672% | 761 |
| Loan loss allowance to noncurrent loans | 196.6387% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 3,076 |
| Noncurrent loans to loans | 1.0004% | 2,243 |
| Net loans and leases to total assets | 37.2267% | 5,502 |
| Net loans and leases to deposits | 42.6487% | 5,564 |
| Net loans and leases to core deposits | 43.7195% | 5,586 |
| Total domestic deposits to total assets | 87.2868% | 1,764 |
| Equity capital to assets | 10.2891% | 3,816 |
| Core capital (leverage) ratio | 9.5793% | 4,084 |
| Tier 1 risk-based capital ratio | 22.2936% | 1,093 |
| Total risk-based capital ratio | 23.5492% | 1,077 |
| Memoranda: | ||
| Average total assets | $97,318,250 | 4,431 |
| Average earning assets | $79,363,750 | 4,637 |
| Average equity | $9,529,500 | 4,703 |
| Average total loans | $35,051,500 | 5,090 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5502% | 4,743 |
| Cost of funding earning assets | 0.2321% | 4,829 |
| Net interest margin | 3.3181% | 4,164 |
| Noninterest income to average assets | 0.5588% | 2,857 |
| Noninterest expense to average assets | 2.8344% | 2,897 |
| Loan and lease loss provision to assets | 0.0224% | 3,682 |
| Net operating income to assets | 0.4328% | 4,930 |
| Return on assets (ROA) | 0.4328% | 5,016 |
| Pretax return on assets | 0.4328% | 5,275 |
| Return on Equity (ROE) | 4.4922% | 4,716 |
| Retained earnings to average equity (ytd only) | 1.8560% | 4,629 |
| Net charge-offs to loans | -0.0287% | 5,097 |
| Credit loss provision to net charge-offs | -220.0000% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1643% | 863 |
| Assets per employee ($millions) | 5.0821% | 2,220 |
| Cash dividends to net income (ytd only)* | 58.6854% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0137% | 715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 4,599 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 35.3266% | 5,637 |
| Net loans and leases to deposits | 40.2385% | 5,682 |
| Net loans and leases to core deposits | 41.2133% | 5,702 |
| Total domestic deposits to total assets | 87.7930% | 1,533 |
| Equity capital to assets | 9.9929% | 4,236 |
| Core capital (leverage) ratio | 9.2343% | 4,539 |
| Tier 1 risk-based capital ratio | 20.8874% | 1,282 |
| Total risk-based capital ratio | 22.1411% | 1,270 |
| Memoranda: | ||
| Average total assets | $98,433,330 | 4,446 |
| Average earning assets | $81,009,000 | 4,642 |
| Average equity | $9,483,000 | 4,744 |
| Average total loans | $34,840,330 | 5,143 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5503% | 4,763 |
| Cost of funding earning assets | 0.2338% | 4,866 |
| Net interest margin | 3.3166% | 4,158 |
| Noninterest income to average assets | 0.6078% | 2,482 |
| Noninterest expense to average assets | 2.8097% | 3,032 |
| Loan and lease loss provision to assets | 0.0403% | 3,111 |
| Net operating income to assets | 0.4991% | 4,632 |
| Return on assets (ROA) | 0.4991% | 4,732 |
| Pretax return on assets | 0.4991% | 5,091 |
| Return on Equity (ROE) | 5.2766% | 4,353 |
| Retained earnings to average equity (ytd only) | 0.2553% | 5,050 |
| Net charge-offs to loans | -0.0689% | 5,484 |
| Credit loss provision to net charge-offs | -166.6667% | 4,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8942% | 1,169 |
| Assets per employee ($millions) | 5.1829% | 2,156 |
| Cash dividends to net income (ytd only)* | 95.1613% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0294% | 777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 4,680 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 34.3651% | 5,699 |
| Net loans and leases to deposits | 38.9295% | 5,744 |
| Net loans and leases to core deposits | 40.2266% | 5,764 |
| Total domestic deposits to total assets | 88.2752% | 1,487 |
| Equity capital to assets | 9.5821% | 4,582 |
| Core capital (leverage) ratio | 8.9642% | 4,906 |
| Tier 1 risk-based capital ratio | 20.5642% | 1,392 |
| Total risk-based capital ratio | 21.8192% | 1,369 |
| Memoranda: | ||
| Average total assets | $99,370,500 | 4,479 |
| Average earning assets | $82,133,000 | 4,657 |
| Average equity | $9,400,000 | 4,779 |
| Average total loans | $34,854,500 | 5,185 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2669% | 5,401 |
| Cost of funding earning assets | 0.2083% | 5,213 |
| Net interest margin | 3.0586% | 5,008 |
| Noninterest income to average assets | 0.5745% | 2,864 |
| Noninterest expense to average assets | 2.7078% | 3,557 |
| Loan and lease loss provision to assets | 0.0311% | 3,748 |
| Net operating income to assets | 0.4192% | 4,989 |
| Return on assets (ROA) | 0.4192% | 5,073 |
| Pretax return on assets | 0.4192% | 5,281 |
| Return on Equity (ROE) | 4.5158% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.3931% | 2,849 |
| Net charge-offs to loans | 0.0340% | 3,525 |
| Credit loss provision to net charge-offs | 272.7273% | 1,063 |
| Earnings coverage of net charge-offs (x) | 39.5455% | 1,192 |
| Efficiency ratio | 85.7424% | 1,015 |
| Assets per employee ($millions) | 5.2772% | 2,028 |
| Cash dividends to net income (ytd only)* | 2.7160% | 4,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9478% | 884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 4,702 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 34.3905% | 5,764 |
| Net loans and leases to deposits | 38.7765% | 5,813 |
| Net loans and leases to core deposits | 40.0372% | 5,819 |
| Total domestic deposits to total assets | 88.6891% | 1,291 |
| Equity capital to assets | 9.3392% | 4,742 |
| Core capital (leverage) ratio | 8.8903% | 5,014 |
| Tier 1 risk-based capital ratio | 20.2468% | 1,437 |
| Total risk-based capital ratio | 21.5015% | 1,409 |
| Memoranda: | ||
| Average total assets | $96,611,200 | 4,524 |
| Average earning assets | $81,605,600 | 4,685 |
| Average equity | $8,968,600 | 4,858 |
| Average total loans | $32,309,800 | 5,285 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2342% | 5,535 |
| Cost of funding earning assets | 0.2074% | 5,312 |
| Net interest margin | 3.0268% | 5,133 |
| Noninterest income to average assets | 0.5963% | 2,763 |
| Noninterest expense to average assets | 2.8241% | 3,094 |
| Loan and lease loss provision to assets | 0.0390% | 3,429 |
| Net operating income to assets | 0.2954% | 5,462 |
| Return on assets (ROA) | 0.2954% | 5,544 |
| Pretax return on assets | 0.2954% | 5,647 |
| Return on Equity (ROE) | 3.1868% | 5,323 |
| Retained earnings to average equity (ytd only) | 3.0214% | 4,291 |
| Net charge-offs to loans | 0.0506% | 2,892 |
| Credit loss provision to net charge-offs | 233.3333% | 1,195 |
| Earnings coverage of net charge-offs (x) | 19.9994% | 1,899 |
| Efficiency ratio | 89.4133% | 733 |
| Assets per employee ($millions) | 5.1156% | 2,154 |
| Cash dividends to net income (ytd only)* | 5.1900% | 3,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0414% | 856 |
| Loan loss allowance to noncurrent loans | 346.1929% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 3,960 |
| Noncurrent loans to loans | 0.5897% | 3,563 |
| Net loans and leases to total assets | 33.6711% | 5,872 |
| Net loans and leases to deposits | 38.0440% | 5,926 |
| Net loans and leases to core deposits | 38.8562% | 5,948 |
| Total domestic deposits to total assets | 88.5057% | 1,296 |
| Equity capital to assets | 9.2679% | 5,038 |
| Core capital (leverage) ratio | 9.0178% | 4,971 |
| Tier 1 risk-based capital ratio | 21.3038% | 1,292 |
| Total risk-based capital ratio | 22.5599% | 1,276 |
| Memoranda: | ||
| Average total assets | $95,697,500 | 4,602 |
| Average earning assets | $81,006,500 | 4,750 |
| Average equity | $8,869,750 | 4,941 |
| Average total loans | $31,595,500 | 5,367 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1999% | 5,624 |
| Cost of funding earning assets | 0.2087% | 5,370 |
| Net interest margin | 2.9912% | 5,249 |
| Noninterest income to average assets | 0.5861% | 2,817 |
| Noninterest expense to average assets | 2.8530% | 3,055 |
| Loan and lease loss provision to assets | 0.0546% | 3,019 |
| Net operating income to assets | 0.2080% | 5,676 |
| Return on assets (ROA) | 0.2080% | 5,743 |
| Pretax return on assets | 0.2080% | 5,805 |
| Return on Equity (ROE) | 2.2440% | 5,628 |
| Retained earnings to average equity (ytd only) | 1.9946% | 4,699 |
| Net charge-offs to loans | 0.0194% | 3,304 |
| Credit loss provision to net charge-offs | 866.6667% | 402 |
| Earnings coverage of net charge-offs (x) | 41.6667% | 1,102 |
| Efficiency ratio | 91.5711% | 660 |
| Assets per employee ($millions) | 5.0662% | 2,182 |
| Cash dividends to net income (ytd only)* | 11.1111% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2455% | 689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 4,832 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 31.1610% | 6,003 |
| Net loans and leases to deposits | 35.0942% | 6,060 |
| Net loans and leases to core deposits | 36.1081% | 6,063 |
| Total domestic deposits to total assets | 88.7926% | 1,250 |
| Equity capital to assets | 9.1057% | 5,145 |
| Core capital (leverage) ratio | 8.8932% | 5,104 |
| Tier 1 risk-based capital ratio | 24.3754% | 920 |
| Total risk-based capital ratio | 25.6346% | 907 |
| Memoranda: | ||
| Average total assets | $95,198,000 | 4,655 |
| Average earning assets | $80,502,670 | 4,817 |
| Average equity | $8,823,670 | 4,982 |
| Average total loans | $30,991,000 | 5,434 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2260% | 5,605 |
| Cost of funding earning assets | 0.2041% | 5,473 |
| Net interest margin | 3.0219% | 5,150 |
| Noninterest income to average assets | 0.6591% | 2,363 |
| Noninterest expense to average assets | 2.8436% | 3,089 |
| Loan and lease loss provision to assets | 0.1056% | 1,942 |
| Net operating income to assets | 0.2746% | 5,495 |
| Return on assets (ROA) | 0.2746% | 5,590 |
| Pretax return on assets | 0.2746% | 5,702 |
| Return on Equity (ROE) | 2.9369% | 5,404 |
| Retained earnings to average equity (ytd only) | 2.7561% | 4,300 |
| Net charge-offs to loans | -0.0128% | 4,835 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2045% | 1,003 |
| Assets per employee ($millions) | 5.0468% | 2,290 |
| Cash dividends to net income (ytd only)* | 6.1538% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2133% | 794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 4,868 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 31.8837% | 6,005 |
| Net loans and leases to deposits | 35.9809% | 6,057 |
| Net loans and leases to core deposits | 37.1604% | 6,072 |
| Total domestic deposits to total assets | 88.6129% | 1,491 |
| Equity capital to assets | 9.3097% | 4,948 |
| Core capital (leverage) ratio | 9.0286% | 4,919 |
| Tier 1 risk-based capital ratio | 19.2329% | 1,804 |
| Total risk-based capital ratio | 20.4873% | 1,762 |
| Memoranda: | ||
| Average total assets | $94,668,000 | 4,701 |
| Average earning assets | $80,346,000 | 4,858 |
| Average equity | $8,853,000 | 5,022 |
| Average total loans | $31,144,500 | 5,468 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3415% | 5,634 |
| Cost of funding earning assets | 0.2339% | 5,479 |
| Net interest margin | 3.1076% | 5,186 |
| Noninterest income to average assets | 0.6442% | 2,592 |
| Noninterest expense to average assets | 2.8987% | 3,157 |
| Loan and lease loss provision to assets | -0.0514% | 6,045 |
| Net operating income to assets | 0.4563% | 4,987 |
| Return on assets (ROA) | 0.4563% | 5,086 |
| Pretax return on assets | 0.4563% | 5,374 |
| Return on Equity (ROE) | 4.9469% | 4,691 |
| Retained earnings to average equity (ytd only) | 4.8014% | 2,757 |
| Net charge-offs to loans | 0.0232% | 4,374 |
| Credit loss provision to net charge-offs | -657.1429% | 5,838 |
| Earnings coverage of net charge-offs (x) | 51.7143% | 907 |
| Efficiency ratio | 87.7454% | 1,014 |
| Assets per employee ($millions) | 4.9183% | 2,425 |
| Cash dividends to net income (ytd only)* | 2.9412% | 4,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1467% | 885 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3392% | 4,699 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 32.4869% | 6,098 |
| Net loans and leases to deposits | 36.6612% | 6,150 |
| Net loans and leases to core deposits | 37.8940% | 6,148 |
| Total domestic deposits to total assets | 88.6139% | 1,465 |
| Equity capital to assets | 9.3946% | 4,851 |
| Core capital (leverage) ratio | 8.9816% | 5,025 |
| Tier 1 risk-based capital ratio | 19.2573% | 1,779 |
| Total risk-based capital ratio | 20.5111% | 1,747 |
| Memoranda: | ||
| Average total assets | $89,419,000 | 4,848 |
| Average earning assets | $76,521,400 | 4,968 |
| Average equity | $8,247,600 | 5,137 |
| Average total loans | $30,174,000 | 5,557 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3414% | 5,688 |
| Cost of funding earning assets | 0.2404% | 5,506 |
| Net interest margin | 3.1010% | 5,255 |
| Noninterest income to average assets | 0.6937% | 2,358 |
| Noninterest expense to average assets | 2.9844% | 2,854 |
| Loan and lease loss provision to assets | -0.0709% | 6,227 |
| Net operating income to assets | 0.4449% | 5,095 |
| Return on assets (ROA) | 0.4449% | 5,171 |
| Pretax return on assets | 0.4449% | 5,483 |
| Return on Equity (ROE) | 4.8470% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.6498% | 3,324 |
| Net charge-offs to loans | -0.0044% | 5,280 |
| Credit loss provision to net charge-offs | 4,700.0000% | 82 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8639% | 932 |
| Assets per employee ($millions) | 4.7953% | 2,522 |
| Cash dividends to net income (ytd only)* | 4.0679% | 3,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2270% | 908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 4,832 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 32.4300% | 6,167 |
| Net loans and leases to deposits | 36.7153% | 6,221 |
| Net loans and leases to core deposits | 37.7063% | 6,246 |
| Total domestic deposits to total assets | 88.3284% | 1,588 |
| Equity capital to assets | 9.4468% | 4,866 |
| Core capital (leverage) ratio | 9.3655% | 4,553 |
| Tier 1 risk-based capital ratio | 19.7301% | 1,732 |
| Total risk-based capital ratio | 20.9847% | 1,698 |
| Memoranda: | ||
| Average total assets | $88,412,000 | 4,931 |
| Average earning assets | $75,974,250 | 5,040 |
| Average equity | $8,114,750 | 5,216 |
| Average total loans | $29,961,500 | 5,619 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3292% | 5,753 |
| Cost of funding earning assets | 0.2482% | 5,504 |
| Net interest margin | 3.0810% | 5,311 |
| Noninterest income to average assets | 0.7336% | 2,123 |
| Noninterest expense to average assets | 2.9893% | 2,866 |
| Loan and lease loss provision to assets | 0.0069% | 4,101 |
| Net operating income to assets | 0.4045% | 5,206 |
| Return on assets (ROA) | 0.4045% | 5,285 |
| Pretax return on assets | 0.4045% | 5,547 |
| Return on Equity (ROE) | 4.4525% | 4,942 |
| Retained earnings to average equity (ytd only) | 4.1506% | 3,532 |
| Net charge-offs to loans | -0.0669% | 6,000 |
| Credit loss provision to net charge-offs | -30.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9032% | 1,093 |
| Assets per employee ($millions) | 4.6684% | 2,667 |
| Cash dividends to net income (ytd only)* | 6.7797% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4478% | 766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3799% | 4,878 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 32.8899% | 6,205 |
| Net loans and leases to deposits | 37.1645% | 6,257 |
| Net loans and leases to core deposits | 38.1926% | 6,268 |
| Total domestic deposits to total assets | 88.4982% | 1,639 |
| Equity capital to assets | 9.3778% | 4,862 |
| Core capital (leverage) ratio | 9.4342% | 4,424 |
| Tier 1 risk-based capital ratio | 20.7684% | 1,491 |
| Total risk-based capital ratio | 22.0245% | 1,475 |
| Memoranda: | ||
| Average total assets | $87,512,670 | 4,986 |
| Average earning assets | $75,754,670 | 5,083 |
| Average equity | $7,950,670 | 5,286 |
| Average total loans | $29,875,330 | 5,662 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2937% | 5,857 |
| Cost of funding earning assets | 0.2517% | 5,562 |
| Net interest margin | 3.0419% | 5,406 |
| Noninterest income to average assets | 0.8238% | 1,657 |
| Noninterest expense to average assets | 2.9683% | 2,989 |
| Loan and lease loss provision to assets | 0.0046% | 3,759 |
| Net operating income to assets | 0.5200% | 4,587 |
| Return on assets (ROA) | 0.5200% | 4,659 |
| Pretax return on assets | 0.5200% | 5,106 |
| Return on Equity (ROE) | 5.8195% | 4,122 |
| Retained earnings to average equity (ytd only) | 5.6135% | 2,731 |
| Net charge-offs to loans | 0.0134% | 3,336 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 114.0000% | 412 |
| Efficiency ratio | 84.9802% | 1,546 |
| Assets per employee ($millions) | 4.8822% | 2,393 |
| Cash dividends to net income (ytd only)* | 3.5398% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4094% | 901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 5,006 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 33.1399% | 6,217 |
| Net loans and leases to deposits | 37.3247% | 6,275 |
| Net loans and leases to core deposits | 38.6170% | 6,289 |
| Total domestic deposits to total assets | 88.7880% | 1,783 |
| Equity capital to assets | 9.0932% | 5,006 |
| Core capital (leverage) ratio | 9.3075% | 4,565 |
| Tier 1 risk-based capital ratio | 19.9321% | 1,741 |
| Total risk-based capital ratio | 21.1875% | 1,706 |
| Memoranda: | ||
| Average total assets | $86,919,500 | 5,047 |
| Average earning assets | $76,267,000 | 5,106 |
| Average equity | $7,767,000 | 5,353 |
| Average total loans | $29,860,500 | 5,717 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2499% | 6,073 |
| Cost of funding earning assets | 0.2830% | 5,742 |
| Net interest margin | 2.9669% | 5,652 |
| Noninterest income to average assets | 0.6733% | 2,685 |
| Noninterest expense to average assets | 2.8175% | 3,666 |
| Loan and lease loss provision to assets | 0.0034% | 5,043 |
| Net operating income to assets | 0.4462% | 4,971 |
| Return on assets (ROA) | 0.4462% | 5,097 |
| Pretax return on assets | 0.4462% | 5,371 |
| Return on Equity (ROE) | 5.1349% | 4,564 |
| Retained earnings to average equity (ytd only) | 5.0569% | 2,555 |
| Net charge-offs to loans | 0.5560% | 1,190 |
| Credit loss provision to net charge-offs | 1.8519% | 4,685 |
| Earnings coverage of net charge-offs (x) | 2.4568% | 4,190 |
| Efficiency ratio | 86.2379% | 1,394 |
| Assets per employee ($millions) | 4.2980% | 3,272 |
| Cash dividends to net income (ytd only)* | 1.5190% | 4,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4064% | 922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3920% | 5,080 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 33.9228% | 6,303 |
| Net loans and leases to deposits | 38.0361% | 6,362 |
| Net loans and leases to core deposits | 39.3761% | 6,385 |
| Total domestic deposits to total assets | 89.1857% | 1,498 |
| Equity capital to assets | 8.7750% | 5,282 |
| Core capital (leverage) ratio | 9.2921% | 4,570 |
| Tier 1 risk-based capital ratio | 19.2992% | 1,835 |
| Total risk-based capital ratio | 20.5551% | 1,799 |
| Memoranda: | ||
| Average total assets | $88,517,200 | 5,012 |
| Average earning assets | $77,386,400 | 5,109 |
| Average equity | $7,692,400 | 5,416 |
| Average total loans | $29,138,000 | 5,804 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2434% | 6,145 |
| Cost of funding earning assets | 0.2903% | 5,809 |
| Net interest margin | 2.9531% | 5,691 |
| Noninterest income to average assets | 0.6849% | 2,704 |
| Noninterest expense to average assets | 2.7711% | 3,758 |
| Loan and lease loss provision to assets | 0.0030% | 4,897 |
| Net operating income to assets | 0.4815% | 4,881 |
| Return on assets (ROA) | 0.4815% | 5,040 |
| Pretax return on assets | 0.4815% | 5,411 |
| Return on Equity (ROE) | 5.5541% | 4,439 |
| Retained earnings to average equity (ytd only) | 5.4506% | 2,757 |
| Net charge-offs to loans | 0.4697% | 1,367 |
| Credit loss provision to net charge-offs | 1.9608% | 4,316 |
| Earnings coverage of net charge-offs (x) | 3.1764% | 3,780 |
| Efficiency ratio | 85.1171% | 1,457 |
| Assets per employee ($millions) | 4.3807% | 3,079 |
| Cash dividends to net income (ytd only)* | 1.8634% | 3,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6020% | 830 |
| Loan loss allowance to noncurrent loans | 3,536.3636% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 5,192 |
| Noncurrent loans to loans | 0.0736% | 6,118 |
| Net loans and leases to total assets | 33.2394% | 6,399 |
| Net loans and leases to deposits | 37.1236% | 6,469 |
| Net loans and leases to core deposits | 38.2796% | 6,491 |
| Total domestic deposits to total assets | 89.5369% | 1,275 |
| Equity capital to assets | 8.3880% | 5,842 |
| Core capital (leverage) ratio | 9.2146% | 4,814 |
| Tier 1 risk-based capital ratio | 18.9511% | 2,006 |
| Total risk-based capital ratio | 20.2076% | 1,959 |
| Memoranda: | ||
| Average total assets | $89,156,500 | 5,050 |
| Average earning assets | $77,611,750 | 5,149 |
| Average equity | $7,729,750 | 5,462 |
| Average total loans | $28,952,750 | 5,867 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1808% | 6,252 |
| Cost of funding earning assets | 0.2880% | 5,921 |
| Net interest margin | 2.8928% | 5,810 |
| Noninterest income to average assets | 0.6892% | 2,692 |
| Noninterest expense to average assets | 2.7077% | 4,000 |
| Loan and lease loss provision to assets | 0.0022% | 4,757 |
| Net operating income to assets | 0.5108% | 4,763 |
| Return on assets (ROA) | 0.5108% | 4,920 |
| Pretax return on assets | 0.5108% | 5,331 |
| Return on Equity (ROE) | 5.8294% | 4,266 |
| Retained earnings to average equity (ytd only) | 5.6767% | 2,627 |
| Net charge-offs to loans | 0.6495% | 1,012 |
| Credit loss provision to net charge-offs | 1.0753% | 3,992 |
| Earnings coverage of net charge-offs (x) | 2.4731% | 3,700 |
| Efficiency ratio | 84.0720% | 1,626 |
| Assets per employee ($millions) | 4.3861% | 3,015 |
| Cash dividends to net income (ytd only)* | 2.6201% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6921% | 796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 32.3879% | 6,491 |
| Net loans and leases to deposits | 36.1928% | 6,553 |
| Net loans and leases to core deposits | 37.4430% | 6,557 |
| Total domestic deposits to total assets | 89.4871% | 1,335 |
| Equity capital to assets | 8.5213% | 5,746 |
| Core capital (leverage) ratio | 8.9586% | 5,066 |
| Tier 1 risk-based capital ratio | 19.1214% | 1,964 |
| Total risk-based capital ratio | 20.3797% | 1,926 |
| Memoranda: | ||
| Average total assets | $89,671,000 | 5,066 |
| Average earning assets | $78,470,330 | 5,154 |
| Average equity | $7,856,670 | 5,466 |
| Average total loans | $28,637,000 | 5,906 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1402% | 6,362 |
| Cost of funding earning assets | 0.2910% | 6,035 |
| Net interest margin | 2.8492% | 5,918 |
| Noninterest income to average assets | 0.7722% | 2,246 |
| Noninterest expense to average assets | 2.5991% | 4,410 |
| Loan and lease loss provision to assets | 0.0044% | 4,373 |
| Net operating income to assets | 0.6310% | 4,074 |
| Return on assets (ROA) | 0.6310% | 4,228 |
| Pretax return on assets | 0.6310% | 4,838 |
| Return on Equity (ROE) | 7.1078% | 3,434 |
| Retained earnings to average equity (ytd only) | 6.9090% | 2,196 |
| Net charge-offs to loans | 0.0141% | 3,866 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 273 |
| Efficiency ratio | 80.3547% | 2,275 |
| Assets per employee ($millions) | 4.4849% | 2,999 |
| Cash dividends to net income (ytd only)* | 2.7972% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0881% | 602 |
| Loan loss allowance to noncurrent loans | 268.5015% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.9276% | 4,074 |
| Noncurrent loans to loans | 1.1501% | 3,859 |
| Net loans and leases to total assets | 30.7190% | 6,575 |
| Net loans and leases to deposits | 34.4094% | 6,620 |
| Net loans and leases to core deposits | 35.7107% | 6,629 |
| Total domestic deposits to total assets | 89.2750% | 1,505 |
| Equity capital to assets | 8.8699% | 5,643 |
| Core capital (leverage) ratio | 8.6424% | 5,401 |
| Tier 1 risk-based capital ratio | 18.8205% | 2,089 |
| Total risk-based capital ratio | 20.0820% | 2,064 |
| Memoranda: | ||
| Average total assets | $90,646,000 | 5,081 |
| Average earning assets | $78,338,500 | 5,200 |
| Average equity | $8,047,500 | 5,473 |
| Average total loans | $28,357,000 | 5,963 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2939% | 6,590 |
| Cost of funding earning assets | 0.4015% | 5,911 |
| Net interest margin | 2.8924% | 6,238 |
| Noninterest income to average assets | 0.7019% | 2,710 |
| Noninterest expense to average assets | 3.1547% | 2,753 |
| Loan and lease loss provision to assets | 0.0847% | 4,642 |
| Net operating income to assets | 0.0452% | 6,093 |
| Return on assets (ROA) | 0.4165% | 5,283 |
| Pretax return on assets | 0.4165% | 5,529 |
| Return on Equity (ROE) | 4.4687% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.6845% | 3,630 |
| Net charge-offs to loans | 0.1803% | 3,930 |
| Credit loss provision to net charge-offs | 130.3571% | 2,146 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,414 |
| Efficiency ratio | 96.0438% | 708 |
| Assets per employee ($millions) | 4.5798% | 2,820 |
| Cash dividends to net income (ytd only)* | 17.5487% | 3,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1044% | 599 |
| Loan loss allowance to noncurrent loans | 268.5015% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.9083% | 4,223 |
| Noncurrent loans to loans | 1.1562% | 3,921 |
| Net loans and leases to total assets | 29.9187% | 6,702 |
| Net loans and leases to deposits | 33.4836% | 6,744 |
| Net loans and leases to core deposits | 34.6996% | 6,756 |
| Total domestic deposits to total assets | 89.3531% | 1,328 |
| Equity capital to assets | 8.8859% | 5,649 |
| Core capital (leverage) ratio | 8.4545% | 5,686 |
| Tier 1 risk-based capital ratio | 18.9159% | 1,981 |
| Total risk-based capital ratio | 20.1772% | 1,943 |
| Memoranda: | ||
| Average total assets | $86,188,600 | 5,184 |
| Average earning assets | $76,961,000 | 5,214 |
| Average equity | $8,033,600 | 5,492 |
| Average total loans | $31,057,400 | 5,893 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3576% | 6,668 |
| Cost of funding earning assets | 0.4151% | 6,027 |
| Net interest margin | 2.9425% | 6,287 |
| Noninterest income to average assets | 0.7056% | 2,687 |
| Noninterest expense to average assets | 3.3507% | 2,130 |
| Loan and lease loss provision to assets | 0.1132% | 4,150 |
| Net operating income to assets | -0.1069% | 6,410 |
| Return on assets (ROA) | 0.3960% | 5,487 |
| Pretax return on assets | 0.3960% | 5,731 |
| Return on Equity (ROE) | 4.1961% | 5,202 |
| Retained earnings to average equity (ytd only) | 3.1470% | 4,663 |
| Net charge-offs to loans | 0.1764% | 3,702 |
| Credit loss provision to net charge-offs | 171.4286% | 1,624 |
| Earnings coverage of net charge-offs (x) | 0.0952% | 5,290 |
| Efficiency ratio | 99.8127% | 540 |
| Assets per employee ($millions) | 4.3570% | 3,156 |
| Cash dividends to net income (ytd only)* | 25.0007% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9553% | 756 |
| Loan loss allowance to noncurrent loans | 223.3083% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 1.0374% | 4,222 |
| Noncurrent loans to loans | 1.3234% | 3,823 |
| Net loans and leases to total assets | 33.5762% | 6,676 |
| Net loans and leases to deposits | 37.9181% | 6,756 |
| Net loans and leases to core deposits | 39.1406% | 6,773 |
| Total domestic deposits to total assets | 88.5493% | 1,696 |
| Equity capital to assets | 9.3483% | 5,408 |
| Core capital (leverage) ratio | 8.8861% | 5,211 |
| Tier 1 risk-based capital ratio | 18.3630% | 2,211 |
| Total risk-based capital ratio | 19.6243% | 2,179 |
| Memoranda: | ||
| Average total assets | $84,837,000 | 5,276 |
| Average earning assets | $76,440,750 | 5,282 |
| Average equity | $8,007,250 | 5,557 |
| Average total loans | $31,751,250 | 5,937 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4502% | 6,669 |
| Cost of funding earning assets | 0.4251% | 6,126 |
| Net interest margin | 3.0251% | 6,191 |
| Noninterest income to average assets | 0.6899% | 2,718 |
| Noninterest expense to average assets | 3.5875% | 1,609 |
| Loan and lease loss provision to assets | 0.1285% | 3,918 |
| Net operating income to assets | -0.2498% | 6,581 |
| Return on assets (ROA) | 0.4330% | 5,332 |
| Pretax return on assets | 0.4330% | 5,624 |
| Return on Equity (ROE) | 4.5723% | 5,004 |
| Retained earnings to average equity (ytd only) | 2.9896% | 4,653 |
| Net charge-offs to loans | -0.0310% | 6,533 |
| Credit loss provision to net charge-offs | -1,080.0000% | 6,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5003% | 445 |
| Assets per employee ($millions) | 4.2460% | 3,369 |
| Cash dividends to net income (ytd only)* | 34.6154% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9059% | 866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 5,283 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 36.1992% | 6,603 |
| Net loans and leases to deposits | 40.9054% | 6,699 |
| Net loans and leases to core deposits | 42.5538% | 6,710 |
| Total domestic deposits to total assets | 88.4949% | 1,823 |
| Equity capital to assets | 9.4278% | 5,163 |
| Core capital (leverage) ratio | 8.8636% | 5,104 |
| Tier 1 risk-based capital ratio | 18.7339% | 2,054 |
| Total risk-based capital ratio | 19.9975% | 2,012 |
| Memoranda: | ||
| Average total assets | $84,069,670 | 5,324 |
| Average earning assets | $77,154,670 | 5,296 |
| Average equity | $7,961,000 | 5,584 |
| Average total loans | $32,285,330 | 5,951 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6804% | 6,472 |
| Cost of funding earning assets | 0.4339% | 6,235 |
| Net interest margin | 3.2465% | 5,633 |
| Noninterest income to average assets | 0.6647% | 2,841 |
| Noninterest expense to average assets | 3.9118% | 1,052 |
| Loan and lease loss provision to assets | 0.2439% | 2,514 |
| Net operating income to assets | -0.5213% | 6,838 |
| Return on assets (ROA) | 0.6647% | 4,268 |
| Pretax return on assets | 0.6647% | 4,898 |
| Return on Equity (ROE) | 7.0038% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.8023% | 2,529 |
| Net charge-offs to loans | -0.0614% | 6,616 |
| Credit loss provision to net charge-offs | -1,020.0000% | 5,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6316% | 379 |
| Assets per employee ($millions) | 4.2127% | 3,553 |
| Cash dividends to net income (ytd only)* | 2.8777% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8578% | 951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5994% | 5,390 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 36.9969% | 6,554 |
| Net loans and leases to deposits | 41.7892% | 6,672 |
| Net loans and leases to core deposits | 43.8701% | 6,659 |
| Total domestic deposits to total assets | 88.5322% | 1,991 |
| Equity capital to assets | 9.3694% | 5,004 |
| Core capital (leverage) ratio | 8.8377% | 5,089 |
| Tier 1 risk-based capital ratio | 18.6131% | 2,105 |
| Total risk-based capital ratio | 19.8759% | 2,069 |
| Memoranda: | ||
| Average total assets | $83,645,000 | 5,371 |
| Average earning assets | $76,513,000 | 5,344 |
| Average equity | $7,938,500 | 5,618 |
| Average total loans | $32,598,000 | 5,973 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8640% | 6,657 |
| Cost of funding earning assets | 0.4748% | 6,636 |
| Net interest margin | 3.3892% | 5,517 |
| Noninterest income to average assets | 0.7902% | 2,120 |
| Noninterest expense to average assets | 3.2910% | 2,550 |
| Loan and lease loss provision to assets | 0.2508% | 3,692 |
| Net operating income to assets | 0.2727% | 5,359 |
| Return on assets (ROA) | 0.2959% | 5,428 |
| Pretax return on assets | 0.2959% | 5,565 |
| Return on Equity (ROE) | 3.3423% | 5,144 |
| Retained earnings to average equity (ytd only) | 0.9078% | 5,439 |
| Net charge-offs to loans | 0.1446% | 4,987 |
| Credit loss provision to net charge-offs | 447.8261% | 508 |
| Earnings coverage of net charge-offs (x) | 9.3478% | 1,998 |
| Efficiency ratio | 86.2751% | 1,525 |
| Assets per employee ($millions) | 4.1519% | 3,545 |
| Cash dividends to net income (ytd only)* | 72.8395% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5976% | 1,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8827% | 4,858 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 38.8357% | 6,608 |
| Net loans and leases to deposits | 43.8647% | 6,726 |
| Net loans and leases to core deposits | 45.8681% | 6,742 |
| Total domestic deposits to total assets | 88.5352% | 1,833 |
| Equity capital to assets | 9.6138% | 4,724 |
| Core capital (leverage) ratio | 8.7167% | 5,225 |
| Tier 1 risk-based capital ratio | 16.9189% | 2,639 |
| Total risk-based capital ratio | 18.1774% | 2,598 |
| Memoranda: | ||
| Average total assets | $82,132,400 | 5,399 |
| Average earning assets | $73,292,400 | 5,428 |
| Average equity | $7,270,400 | 5,789 |
| Average total loans | $31,813,200 | 6,081 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8831% | 6,749 |
| Cost of funding earning assets | 0.4968% | 6,704 |
| Net interest margin | 3.3863% | 5,620 |
| Noninterest income to average assets | 0.8025% | 2,046 |
| Noninterest expense to average assets | 3.3452% | 2,363 |
| Loan and lease loss provision to assets | 0.0065% | 6,344 |
| Net operating income to assets | 0.4574% | 4,735 |
| Return on assets (ROA) | 0.4884% | 4,782 |
| Pretax return on assets | 0.4884% | 5,195 |
| Return on Equity (ROE) | 5.6398% | 4,213 |
| Retained earnings to average equity (ytd only) | 4.4367% | 3,567 |
| Net charge-offs to loans | 0.1058% | 4,943 |
| Credit loss provision to net charge-offs | 16.0000% | 5,608 |
| Earnings coverage of net charge-offs (x) | 11.4008% | 1,811 |
| Efficiency ratio | 87.8205% | 1,359 |
| Assets per employee ($millions) | 4.1660% | 3,507 |
| Cash dividends to net income (ytd only)* | 21.3330% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0712% | 2,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8797% | 4,979 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 38.5886% | 6,738 |
| Net loans and leases to deposits | 43.6279% | 6,849 |
| Net loans and leases to core deposits | 45.3503% | 6,873 |
| Total domestic deposits to total assets | 88.4494% | 1,786 |
| Equity capital to assets | 9.6099% | 4,919 |
| Core capital (leverage) ratio | 9.2084% | 4,615 |
| Tier 1 risk-based capital ratio | 17.5950% | 2,396 |
| Total risk-based capital ratio | 18.8486% | 2,370 |
| Memoranda: | ||
| Average total assets | $81,906,250 | 5,440 |
| Average earning assets | $72,723,250 | 5,490 |
| Average equity | $7,092,250 | 5,882 |
| Average total loans | $31,489,500 | 6,165 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9352% | 6,761 |
| Cost of funding earning assets | 0.5178% | 6,787 |
| Net interest margin | 3.4174% | 5,494 |
| Noninterest income to average assets | 0.8056% | 1,993 |
| Noninterest expense to average assets | 3.3671% | 2,350 |
| Loan and lease loss provision to assets | 0.0074% | 6,165 |
| Net operating income to assets | 0.4298% | 4,810 |
| Return on assets (ROA) | 0.4568% | 4,821 |
| Pretax return on assets | 0.4568% | 5,199 |
| Return on Equity (ROE) | 5.4808% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.2745% | 2,823 |
| Net charge-offs to loans | 0.0064% | 5,781 |
| Credit loss provision to net charge-offs | 300.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 178.0000% | 206 |
| Efficiency ratio | 88.5087% | 1,361 |
| Assets per employee ($millions) | 4.0364% | 3,683 |
| Cash dividends to net income (ytd only)* | 3.7634% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3422% | 1,675 |
| Loan loss allowance to noncurrent loans | 17,575.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.9129% | 5,042 |
| Noncurrent loans to loans | 0.0133% | 6,973 |
| Net loans and leases to total assets | 36.3083% | 6,945 |
| Net loans and leases to deposits | 40.7913% | 7,039 |
| Net loans and leases to core deposits | 42.5723% | 7,053 |
| Total domestic deposits to total assets | 89.0100% | 1,522 |
| Equity capital to assets | 9.1009% | 5,435 |
| Core capital (leverage) ratio | 9.2349% | 4,343 |
| Tier 1 risk-based capital ratio | 18.8011% | 1,906 |
| Total risk-based capital ratio | 20.0578% | 1,869 |
| Memoranda: | ||
| Average total assets | $81,435,000 | 5,506 |
| Average earning assets | $71,457,330 | 5,571 |
| Average equity | $6,787,330 | 5,993 |
| Average total loans | $31,042,000 | 6,238 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0663% | 6,568 |
| Cost of funding earning assets | 0.5566% | 6,777 |
| Net interest margin | 3.5097% | 4,963 |
| Noninterest income to average assets | 0.7189% | 2,460 |
| Noninterest expense to average assets | 3.3550% | 2,396 |
| Loan and lease loss provision to assets | 0.0049% | 5,806 |
| Net operating income to assets | 0.3815% | 5,022 |
| Return on assets (ROA) | 0.3961% | 5,060 |
| Pretax return on assets | 0.3961% | 5,354 |
| Return on Equity (ROE) | 4.9789% | 4,418 |
| Retained earnings to average equity (ytd only) | 4.7330% | 3,359 |
| Net charge-offs to loans | -0.0380% | 6,798 |
| Credit loss provision to net charge-offs | -33.3333% | 5,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6732% | 1,360 |
| Assets per employee ($millions) | 4.2524% | 3,332 |
| Cash dividends to net income (ytd only)* | 4.9383% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2957% | 1,770 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9072% | 5,085 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 37.1372% | 6,955 |
| Net loans and leases to deposits | 41.3144% | 7,048 |
| Net loans and leases to core deposits | 42.7470% | 7,084 |
| Total domestic deposits to total assets | 89.8892% | 1,217 |
| Equity capital to assets | 8.2517% | 6,222 |
| Core capital (leverage) ratio | 9.1156% | 4,425 |
| Tier 1 risk-based capital ratio | 17.5868% | 2,253 |
| Total risk-based capital ratio | 18.8430% | 2,224 |
| Memoranda: | ||
| Average total assets | $81,788,500 | 5,530 |
| Average earning assets | $70,433,000 | 5,651 |
| Average equity | $6,507,500 | 6,091 |
| Average total loans | $31,556,000 | 6,265 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5524% | 6,246 |
| Cost of funding earning assets | 0.7442% | 6,756 |
| Net interest margin | 3.8082% | 3,907 |
| Noninterest income to average assets | 0.9135% | 1,799 |
| Noninterest expense to average assets | 3.3076% | 2,719 |
| Loan and lease loss provision to assets | 0.5661% | 2,865 |
| Net operating income to assets | 0.2655% | 5,053 |
| Return on assets (ROA) | 0.3942% | 4,714 |
| Pretax return on assets | 0.3942% | 4,964 |
| Return on Equity (ROE) | 4.7209% | 4,192 |
| Retained earnings to average equity (ytd only) | 1.4289% | 4,818 |
| Net charge-offs to loans | 1.5211% | 1,441 |
| Credit loss provision to net charge-offs | 93.6170% | 4,965 |
| Earnings coverage of net charge-offs (x) | 1.3752% | 4,731 |
| Efficiency ratio | 79.9096% | 2,431 |
| Assets per employee ($millions) | 4.3569% | 3,101 |
| Cash dividends to net income (ytd only)* | 69.7329% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1634% | 1,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9193% | 5,183 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 38.2946% | 7,063 |
| Net loans and leases to deposits | 42.2742% | 7,175 |
| Net loans and leases to core deposits | 43.6870% | 7,210 |
| Total domestic deposits to total assets | 90.5861% | 799 |
| Equity capital to assets | 7.6683% | 6,768 |
| Core capital (leverage) ratio | 8.6966% | 5,027 |
| Tier 1 risk-based capital ratio | 17.0812% | 2,321 |
| Total risk-based capital ratio | 18.3352% | 2,288 |
| Memoranda: | ||
| Average total assets | $85,499,800 | 5,423 |
| Average earning assets | $72,423,600 | 5,589 |
| Average equity | $7,138,400 | 5,986 |
| Average total loans | $33,989,600 | 6,208 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6948% | 6,041 |
| Cost of funding earning assets | 0.7664% | 6,854 |
| Net interest margin | 3.9285% | 3,413 |
| Noninterest income to average assets | 0.9345% | 1,674 |
| Noninterest expense to average assets | 3.4207% | 2,234 |
| Loan and lease loss provision to assets | 0.5245% | 2,836 |
| Net operating income to assets | 0.3203% | 5,086 |
| Return on assets (ROA) | 0.4904% | 4,556 |
| Pretax return on assets | 0.4904% | 4,957 |
| Return on Equity (ROE) | 5.7615% | 3,923 |
| Retained earnings to average equity (ytd only) | 3.5623% | 3,942 |
| Net charge-offs to loans | 1.9271% | 984 |
| Credit loss provision to net charge-offs | 68.2093% | 5,470 |
| Earnings coverage of net charge-offs (x) | 1.0986% | 4,956 |
| Efficiency ratio | 80.1959% | 2,311 |
| Assets per employee ($millions) | 4.3564% | 3,157 |
| Cash dividends to net income (ytd only)* | 38.1702% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 2,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9194% | 5,271 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 39.0543% | 7,128 |
| Net loans and leases to deposits | 44.0337% | 7,242 |
| Net loans and leases to core deposits | 45.5315% | 7,274 |
| Total domestic deposits to total assets | 88.6918% | 1,567 |
| Equity capital to assets | 9.3510% | 5,049 |
| Core capital (leverage) ratio | 8.8176% | 4,973 |
| Tier 1 risk-based capital ratio | 17.1546% | 2,287 |
| Total risk-based capital ratio | 18.4049% | 2,251 |
| Memoranda: | ||
| Average total assets | $86,179,250 | 5,468 |
| Average earning assets | $73,071,250 | 5,633 |
| Average equity | $7,336,000 | 6,006 |
| Average total loans | $34,386,500 | 6,274 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8098% | 5,763 |
| Cost of funding earning assets | 0.7791% | 6,974 |
| Net interest margin | 4.0307% | 2,878 |
| Noninterest income to average assets | 0.9529% | 1,508 |
| Noninterest expense to average assets | 3.3740% | 2,334 |
| Loan and lease loss provision to assets | 0.6895% | 2,101 |
| Net operating income to assets | 0.3024% | 5,177 |
| Return on assets (ROA) | 0.5497% | 4,235 |
| Pretax return on assets | 0.5497% | 4,743 |
| Return on Equity (ROE) | 6.6654% | 3,456 |
| Retained earnings to average equity (ytd only) | 4.8602% | 2,977 |
| Net charge-offs to loans | 2.5171% | 680 |
| Credit loss provision to net charge-offs | 68.5649% | 5,005 |
| Earnings coverage of net charge-offs (x) | 0.9863% | 4,798 |
| Efficiency ratio | 77.2823% | 2,850 |
| Assets per employee ($millions) | 4.2475% | 3,306 |
| Cash dividends to net income (ytd only)* | 27.0833% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7427% | 2,927 |
| Loan loss allowance to noncurrent loans | 573.0769% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.7687% | 5,585 |
| Noncurrent loans to loans | 0.3041% | 6,615 |
| Net loans and leases to total assets | 39.5562% | 7,191 |
| Net loans and leases to deposits | 44.1953% | 7,316 |
| Net loans and leases to core deposits | 47.8192% | 7,289 |
| Total domestic deposits to total assets | 89.5032% | 1,176 |
| Equity capital to assets | 8.7569% | 5,802 |
| Core capital (leverage) ratio | 8.5503% | 5,325 |
| Tier 1 risk-based capital ratio | 16.1233% | 2,618 |
| Total risk-based capital ratio | 17.3740% | 2,580 |
| Memoranda: | ||
| Average total assets | $87,315,000 | 5,473 |
| Average earning assets | $73,932,330 | 5,643 |
| Average equity | $7,201,330 | 6,069 |
| Average total loans | $34,881,330 | 6,291 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8322% | 5,756 |
| Cost of funding earning assets | 0.7922% | 7,112 |
| Net interest margin | 4.0400% | 2,698 |
| Noninterest income to average assets | 0.9537% | 1,440 |
| Noninterest expense to average assets | 3.5391% | 1,887 |
| Loan and lease loss provision to assets | 0.4204% | 2,853 |
| Net operating income to assets | 0.4520% | 4,608 |
| Return on assets (ROA) | 0.4520% | 4,735 |
| Pretax return on assets | 0.4520% | 5,125 |
| Return on Equity (ROE) | 5.6477% | 4,036 |
| Retained earnings to average equity (ytd only) | 5.4218% | 2,922 |
| Net charge-offs to loans | 2.0441% | 837 |
| Credit loss provision to net charge-offs | 51.6667% | 4,456 |
| Earnings coverage of net charge-offs (x) | 1.0722% | 4,120 |
| Efficiency ratio | 80.2254% | 2,532 |
| Assets per employee ($millions) | 4.3498% | 3,209 |
| Cash dividends to net income (ytd only)* | 4.0000% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8562% | 2,554 |
| Loan loss allowance to noncurrent loans | 32,300.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 5,931 |
| Noncurrent loans to loans | 0.0057% | 7,406 |
| Net loans and leases to total assets | 39.2616% | 7,294 |
| Net loans and leases to deposits | 43.6415% | 7,417 |
| Net loans and leases to core deposits | 48.3002% | 7,348 |
| Total domestic deposits to total assets | 89.9639% | 1,005 |
| Equity capital to assets | 8.2624% | 6,349 |
| Core capital (leverage) ratio | 8.2778% | 5,782 |
| Tier 1 risk-based capital ratio | 15.4176% | 2,907 |
| Total risk-based capital ratio | 16.6688% | 2,858 |
| Memoranda: | ||
| Average total assets | $88,497,500 | 5,499 |
| Average earning assets | $75,742,000 | 5,646 |
| Average equity | $7,082,500 | 6,172 |
| Average total loans | $35,222,500 | 6,356 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9223% | 6,662 |
| Cost of funding earning assets | 1.2030% | 6,649 |
| Net interest margin | 3.7193% | 4,048 |
| Noninterest income to average assets | 0.9461% | 1,765 |
| Noninterest expense to average assets | 3.2251% | 3,296 |
| Loan and lease loss provision to assets | 0.5169% | 3,789 |
| Net operating income to assets | 0.4606% | 3,887 |
| Return on assets (ROA) | 0.5484% | 3,622 |
| Pretax return on assets | 0.5484% | 4,052 |
| Return on Equity (ROE) | 7.2004% | 2,710 |
| Retained earnings to average equity (ytd only) | 2.8318% | 3,182 |
| Net charge-offs to loans | 0.5591% | 3,544 |
| Credit loss provision to net charge-offs | 236.1386% | 1,535 |
| Earnings coverage of net charge-offs (x) | 4.4653% | 2,943 |
| Efficiency ratio | 76.7406% | 3,402 |
| Assets per employee ($millions) | 4.5000% | 2,923 |
| Cash dividends to net income (ytd only)* | 60.6719% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0593% | 1,891 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6100% | 5,927 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 38.7882% | 7,416 |
| Net loans and leases to deposits | 42.7497% | 7,547 |
| Net loans and leases to core deposits | 57.8711% | 7,344 |
| Total domestic deposits to total assets | 90.7332% | 648 |
| Equity capital to assets | 7.7523% | 6,815 |
| Core capital (leverage) ratio | 7.9510% | 6,259 |
| Tier 1 risk-based capital ratio | 14.8651% | 3,019 |
| Total risk-based capital ratio | 16.1184% | 2,963 |
| Memoranda: | ||
| Average total assets | $92,276,200 | 5,323 |
| Average earning assets | $80,795,600 | 5,430 |
| Average equity | $7,027,400 | 6,258 |
| Average total loans | $36,131,000 | 6,301 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9951% | 6,618 |
| Cost of funding earning assets | 1.2671% | 6,665 |
| Net interest margin | 3.7279% | 3,958 |
| Noninterest income to average assets | 0.9234% | 1,891 |
| Noninterest expense to average assets | 3.4264% | 2,494 |
| Loan and lease loss provision to assets | 0.2398% | 5,049 |
| Net operating income to assets | 0.5356% | 3,844 |
| Return on assets (ROA) | 0.6520% | 3,460 |
| Pretax return on assets | 0.6520% | 4,013 |
| Return on Equity (ROE) | 8.5983% | 2,412 |
| Retained earnings to average equity (ytd only) | 8.4658% | 989 |
| Net charge-offs to loans | 0.7282% | 2,539 |
| Credit loss provision to net charge-offs | 84.3434% | 5,646 |
| Earnings coverage of net charge-offs (x) | 2.7273% | 3,863 |
| Efficiency ratio | 81.5448% | 2,643 |
| Assets per employee ($millions) | 4.5060% | 2,852 |
| Cash dividends to net income (ytd only)* | 1.5413% | 3,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 5,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6292% | 5,874 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 38.8027% | 7,519 |
| Net loans and leases to deposits | 43.2159% | 7,645 |
| Net loans and leases to core deposits | 61.3760% | 7,347 |
| Total domestic deposits to total assets | 89.7881% | 850 |
| Equity capital to assets | 8.4332% | 6,339 |
| Core capital (leverage) ratio | 8.1518% | 6,099 |
| Tier 1 risk-based capital ratio | 15.8023% | 2,703 |
| Total risk-based capital ratio | 16.7105% | 2,785 |
| Memoranda: | ||
| Average total assets | $92,845,500 | 5,343 |
| Average earning assets | $81,651,500 | 5,434 |
| Average equity | $7,040,000 | 6,304 |
| Average total loans | $36,253,000 | 6,332 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0759% | 6,528 |
| Cost of funding earning assets | 1.3159% | 6,748 |
| Net interest margin | 3.7600% | 3,713 |
| Noninterest income to average assets | 0.9002% | 1,989 |
| Noninterest expense to average assets | 3.4388% | 2,514 |
| Loan and lease loss provision to assets | 0.3435% | 3,874 |
| Net operating income to assets | 0.4522% | 4,280 |
| Return on assets (ROA) | 0.5568% | 3,966 |
| Pretax return on assets | 0.5568% | 4,448 |
| Return on Equity (ROE) | 7.6167% | 2,917 |
| Retained earnings to average equity (ytd only) | 7.4416% | 1,416 |
| Net charge-offs to loans | 1.0455% | 1,712 |
| Credit loss provision to net charge-offs | 84.2932% | 5,081 |
| Earnings coverage of net charge-offs (x) | 1.9529% | 4,125 |
| Efficiency ratio | 81.2091% | 2,849 |
| Assets per employee ($millions) | 4.6300% | 2,554 |
| Cash dividends to net income (ytd only)* | 2.2989% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 5,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 5,888 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 38.9590% | 7,597 |
| Net loans and leases to deposits | 42.8578% | 7,732 |
| Net loans and leases to core deposits | 61.0206% | 7,414 |
| Total domestic deposits to total assets | 90.9028% | 489 |
| Equity capital to assets | 7.4622% | 7,303 |
| Core capital (leverage) ratio | 7.7412% | 6,689 |
| Tier 1 risk-based capital ratio | 14.8924% | 3,068 |
| Total risk-based capital ratio | 15.7731% | 3,171 |
| Memoranda: | ||
| Average total assets | $93,754,000 | 5,355 |
| Average earning assets | $83,137,330 | 5,437 |
| Average equity | $6,853,330 | 6,420 |
| Average total loans | $36,538,330 | 6,372 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1237% | 6,577 |
| Cost of funding earning assets | 1.3926% | 6,763 |
| Net interest margin | 3.7311% | 3,758 |
| Noninterest income to average assets | 0.9202% | 1,777 |
| Noninterest expense to average assets | 3.4856% | 2,140 |
| Loan and lease loss provision to assets | 0.6657% | 1,899 |
| Net operating income to assets | 0.0975% | 5,984 |
| Return on assets (ROA) | 0.1993% | 5,827 |
| Pretax return on assets | 0.1993% | 5,937 |
| Return on Equity (ROE) | 2.7546% | 5,468 |
| Retained earnings to average equity (ytd only) | 2.5201% | 4,476 |
| Net charge-offs to loans | 1.4772% | 977 |
| Credit loss provision to net charge-offs | 116.2963% | 3,350 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 4,074 |
| Efficiency ratio | 82.0359% | 2,530 |
| Assets per employee ($millions) | 4.4830% | 2,749 |
| Cash dividends to net income (ytd only)* | 8.5106% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 3,996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5555% | 5,808 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 38.3421% | 7,652 |
| Net loans and leases to deposits | 42.0366% | 7,780 |
| Net loans and leases to core deposits | 61.1890% | 7,412 |
| Total domestic deposits to total assets | 91.2111% | 346 |
| Equity capital to assets | 7.1923% | 7,566 |
| Core capital (leverage) ratio | 7.4083% | 7,268 |
| Tier 1 risk-based capital ratio | 14.4915% | 3,314 |
| Total risk-based capital ratio | 15.4812% | 3,395 |
| Memoranda: | ||
| Average total assets | $94,331,000 | 5,361 |
| Average earning assets | $84,158,000 | 5,424 |
| Average equity | $6,825,000 | 6,467 |
| Average total loans | $36,555,000 | 6,410 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6400% | 6,960 |
| Cost of funding earning assets | 1.7032% | 7,253 |
| Net interest margin | 3.9367% | 3,415 |
| Noninterest income to average assets | 0.8989% | 1,960 |
| Noninterest expense to average assets | 3.5471% | 2,278 |
| Loan and lease loss provision to assets | 0.1135% | 5,921 |
| Net operating income to assets | 0.7217% | 3,791 |
| Return on assets (ROA) | 0.7680% | 3,422 |
| Pretax return on assets | 0.7680% | 4,187 |
| Return on Equity (ROE) | 9.6532% | 2,378 |
| Retained earnings to average equity (ytd only) | 1.9365% | 4,027 |
| Net charge-offs to loans | 0.0251% | 6,491 |
| Credit loss provision to net charge-offs | 1,088.8889% | 409 |
| Earnings coverage of net charge-offs (x) | 80.1111% | 518 |
| Efficiency ratio | 80.9411% | 2,460 |
| Assets per employee ($millions) | 4.2964% | 2,966 |
| Cash dividends to net income (ytd only)* | 79.9397% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 4,074 |
| Loan loss allowance to noncurrent loans | 232.9949% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 6,742 |
| Noncurrent loans to loans | 0.5392% | 5,746 |
| Net loans and leases to total assets | 38.1655% | 7,759 |
| Net loans and leases to deposits | 41.7954% | 7,901 |
| Net loans and leases to core deposits | 61.4789% | 7,525 |
| Total domestic deposits to total assets | 91.3151% | 246 |
| Equity capital to assets | 7.2778% | 7,573 |
| Core capital (leverage) ratio | 7.4244% | 7,288 |
| Tier 1 risk-based capital ratio | 14.5388% | 3,274 |
| Total risk-based capital ratio | 15.4921% | 3,345 |
| Memoranda: | ||
| Average total assets | $86,324,600 | 5,471 |
| Average earning assets | $76,383,400 | 5,571 |
| Average equity | $6,868,200 | 6,502 |
| Average total loans | $35,797,000 | 6,376 |