Home > Citizens State Bank > Performance and Condition Ratios
Citizens State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3333% | 1,426 |
| Cost of funding earning assets | 1.3332% | 2,420 |
| Net interest margin | 4.0002% | 1,206 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 3.0941% | 968 |
| Loan and lease loss provision to assets | 0.5200% | 171 |
| Net operating income to assets | 0.6724% | 3,257 |
| Return on assets (ROA) | 0.6644% | 3,265 |
| Pretax return on assets | 0.8247% | 3,155 |
| Return on Equity (ROE) | 7.5200% | 3,155 |
| Retained earnings to average equity (ytd only) | 7.5212% | 1,695 |
| Net charge-offs to loans | 0.0143% | 2,121 |
| Credit loss provision to net charge-offs | 6,052.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 158.2000% | 687 |
| Efficiency ratio | 69.5956% | 1,931 |
| Assets per employee ($millions) | 6.3385% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 1,742 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 2,784 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.5500% | 2,416 |
| Net loans and leases to deposits | 73.1131% | 2,686 |
| Net loans and leases to core deposits | 79.6631% | 2,722 |
| Total domestic deposits to total assets | 88.2900% | 1,259 |
| Equity capital to assets | 9.0197% | 2,661 |
| Core capital (leverage) ratio | 11.2703% | 1,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7807% | 1,323 |
| Memoranda: | ||
| Average total assets | $292,593,800 | 2,456 |
| Average earning assets | $277,912,400 | 2,426 |
| Average equity | $25,846,800 | 2,472 |
| Average total loans | $175,222,200 | 2,487 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2134% | 1,433 |
| Cost of funding earning assets | 1.2288% | 2,338 |
| Net interest margin | 3.9846% | 1,248 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 3.0577% | 982 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.7859% | 3,069 |
| Return on assets (ROA) | 0.7752% | 3,086 |
| Pretax return on assets | 0.9640% | 2,949 |
| Return on Equity (ROE) | 8.8300% | 2,972 |
| Retained earnings to average equity (ytd only) | 8.8254% | 1,735 |
| Net charge-offs to loans | 0.0079% | 2,120 |
| Credit loss provision to net charge-offs | 2,700.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 238.2000% | 532 |
| Efficiency ratio | 73.5009% | 1,403 |
| Assets per employee ($millions) | 5.9068% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7559% | 4,059 |
| Loan loss allowance to noncurrent loans | 6,463.6364% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 2,617 |
| Noncurrent loans to loans | 0.0117% | 3,710 |
| Net loans and leases to total assets | 63.2200% | 2,539 |
| Net loans and leases to deposits | 69.8706% | 2,851 |
| Net loans and leases to core deposits | 76.0465% | 2,862 |
| Total domestic deposits to total assets | 90.4800% | 818 |
| Equity capital to assets | 8.4540% | 2,751 |
| Core capital (leverage) ratio | 11.7861% | 1,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5407% | 1,192 |
| Memoranda: | ||
| Average total assets | $288,095,250 | 2,486 |
| Average earning assets | $273,750,250 | 2,452 |
| Average equity | $25,305,000 | 2,484 |
| Average total loans | $168,244,000 | 2,542 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0419% | 1,485 |
| Cost of funding earning assets | 1.0945% | 2,289 |
| Net interest margin | 3.9474% | 1,332 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.9999% | 1,046 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.8193% | 3,024 |
| Return on assets (ROA) | 0.8142% | 3,048 |
| Pretax return on assets | 1.0109% | 2,880 |
| Return on Equity (ROE) | 9.1500% | 2,942 |
| Retained earnings to average equity (ytd only) | 9.1512% | 1,643 |
| Net charge-offs to loans | 0.0099% | 1,830 |
| Credit loss provision to net charge-offs | 2,250.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 204.1250% | 595 |
| Efficiency ratio | 72.4062% | 1,515 |
| Assets per employee ($millions) | 6.3874% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7446% | 4,113 |
| Loan loss allowance to noncurrent loans | 9,528.5714% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 2,565 |
| Noncurrent loans to loans | 0.0078% | 3,745 |
| Net loans and leases to total assets | 60.5200% | 2,725 |
| Net loans and leases to deposits | 68.6206% | 2,889 |
| Net loans and leases to core deposits | 75.6329% | 2,778 |
| Total domestic deposits to total assets | 88.2000% | 1,531 |
| Equity capital to assets | 8.8800% | 2,601 |
| Core capital (leverage) ratio | 11.7973% | 1,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1243% | 1,101 |
| Memoranda: | ||
| Average total assets | $285,680,667 | 2,498 |
| Average earning assets | $271,724,000 | 2,469 |
| Average equity | $25,417,333 | 2,500 |
| Average total loans | $161,616,667 | 2,584 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8221% | 1,577 |
| Cost of funding earning assets | 0.9121% | 2,335 |
| Net interest margin | 3.9100% | 1,463 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 3.2456% | 747 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.5598% | 3,773 |
| Return on assets (ROA) | 0.5497% | 3,758 |
| Pretax return on assets | 0.7216% | 3,617 |
| Return on Equity (ROE) | 6.1700% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.1721% | 2,720 |
| Net charge-offs to loans | 0.0366% | 1,001 |
| Credit loss provision to net charge-offs | 642.8571% | 481 |
| Earnings coverage of net charge-offs (x) | 43.3571% | 1,156 |
| Efficiency ratio | 79.0111% | 904 |
| Assets per employee ($millions) | 5.7746% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7548% | 4,168 |
| Loan loss allowance to noncurrent loans | 715.6069% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 2,145 |
| Noncurrent loans to loans | 0.1055% | 3,009 |
| Net loans and leases to total assets | 56.3700% | 3,019 |
| Net loans and leases to deposits | 62.1135% | 3,219 |
| Net loans and leases to core deposits | 67.1675% | 3,149 |
| Total domestic deposits to total assets | 90.7600% | 884 |
| Equity capital to assets | 8.8047% | 2,659 |
| Core capital (leverage) ratio | 11.8707% | 1,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7412% | 1,033 |
| Memoranda: | ||
| Average total assets | $281,611,500 | 2,549 |
| Average earning assets | $267,518,000 | 2,517 |
| Average equity | $25,080,500 | 2,542 |
| Average total loans | $152,842,500 | 2,681 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3144% | 3,555 |
| Cost of funding earning assets | 0.2819% | 3,021 |
| Net interest margin | 3.0325% | 3,349 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 3.1971% | 728 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.1204% | 4,497 |
| Return on assets (ROA) | 0.1279% | 4,482 |
| Pretax return on assets | 0.1411% | 4,484 |
| Return on Equity (ROE) | 1.2100% | 4,470 |
| Retained earnings to average equity (ytd only) | 1.2090% | 4,156 |
| Net charge-offs to loans | 0.2461% | 325 |
| Credit loss provision to net charge-offs | 88.9831% | 1,639 |
| Earnings coverage of net charge-offs (x) | 2.3051% | 2,511 |
| Efficiency ratio | 93.6671% | 232 |
| Assets per employee ($millions) | 5.4898% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8202% | 3,988 |
| Loan loss allowance to noncurrent loans | 652.8090% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 2,110 |
| Noncurrent loans to loans | 0.1256% | 2,886 |
| Net loans and leases to total assets | 51.1900% | 3,420 |
| Net loans and leases to deposits | 57.7058% | 3,476 |
| Net loans and leases to core deposits | 60.6375% | 3,471 |
| Total domestic deposits to total assets | 88.7100% | 1,809 |
| Equity capital to assets | 9.0127% | 2,347 |
| Core capital (leverage) ratio | 12.2015% | 1,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2219% | 802 |
| Memoranda: | ||
| Average total assets | $251,668,000 | 2,717 |
| Average earning assets | $240,197,400 | 2,669 |
| Average equity | $26,632,800 | 2,503 |
| Average total loans | $95,906,400 | 3,209 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8476% | 4,132 |
| Cost of funding earning assets | 0.2003% | 3,268 |
| Net interest margin | 2.6472% | 4,030 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 3.2503% | 639 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | -0.1957% | 4,645 |
| Return on assets (ROA) | -0.1957% | 4,624 |
| Pretax return on assets | -0.2694% | 4,629 |
| Return on Equity (ROE) | -1.7800% | 4,611 |
| Retained earnings to average equity (ytd only) | -1.7757% | 4,479 |
| Net charge-offs to loans | 0.3757% | 167 |
| Credit loss provision to net charge-offs | 88.2353% | 1,387 |
| Earnings coverage of net charge-offs (x) | -1.2059% | 4,719 |
| Efficiency ratio | 105.0272% | 122 |
| Assets per employee ($millions) | 5.1779% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 3,434 |
| Loan loss allowance to noncurrent loans | 497.8541% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 2,024 |
| Noncurrent loans to loans | 0.2024% | 2,591 |
| Net loans and leases to total assets | 43.1500% | 3,929 |
| Net loans and leases to deposits | 47.4842% | 3,971 |
| Net loans and leases to core deposits | 49.2571% | 3,983 |
| Total domestic deposits to total assets | 90.8700% | 1,292 |
| Equity capital to assets | 8.7346% | 2,387 |
| Core capital (leverage) ratio | 12.3853% | 1,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5202% | 461 |
| Memoranda: | ||
| Average total assets | $245,962,250 | 2,771 |
| Average earning assets | $234,955,500 | 2,725 |
| Average equity | $27,106,250 | 2,507 |
| Average total loans | $84,463,500 | 3,363 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4066% | 4,454 |
| Cost of funding earning assets | 0.1489% | 3,590 |
| Net interest margin | 2.2576% | 4,377 |
| Noninterest income to average assets | 0.6560% | 1,515 |
| Noninterest expense to average assets | 3.2260% | 602 |
| Loan and lease loss provision to assets | 0.1500% | 635 |
| Net operating income to assets | -0.4235% | 4,674 |
| Return on assets (ROA) | -0.4235% | 4,654 |
| Pretax return on assets | -0.5593% | 4,661 |
| Return on Equity (ROE) | -3.5708% | 4,655 |
| Retained earnings to average equity (ytd only) | -3.5708% | 4,485 |
| Net charge-offs to loans | 0.4148% | 170 |
| Credit loss provision to net charge-offs | 116.8831% | 1,192 |
| Earnings coverage of net charge-offs (x) | -3.1883% | 2,119 |
| Efficiency ratio | 114.5309% | 96 |
| Assets per employee ($millions) | 4.8371% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,430 |
| Loan loss allowance to noncurrent loans | 491.4980% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 1,836 |
| Noncurrent loans to loans | 0.2540% | 2,461 |
| Net loans and leases to total assets | 40.5129% | 4,052 |
| Net loans and leases to deposits | 45.5096% | 4,048 |
| Net loans and leases to core deposits | 47.1605% | 4,073 |
| Total domestic deposits to total assets | 89.0206% | 2,174 |
| Equity capital to assets | 10.6035% | 1,388 |
| Core capital (leverage) ratio | 13.1659% | 777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8249% | 274 |
| Memoranda: | ||
| Average total assets | $239,924,667 | 2,827 |
| Average earning assets | $229,620,000 | 2,797 |
| Average equity | $28,453,000 | 2,500 |
| Average total loans | $74,250,333 | 3,546 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9663% | 4,622 |
| Cost of funding earning assets | 0.1397% | 3,636 |
| Net interest margin | 1.8266% | 4,607 |
| Noninterest income to average assets | 0.4193% | 2,562 |
| Noninterest expense to average assets | 3.3855% | 476 |
| Loan and lease loss provision to assets | 0.1491% | 531 |
| Net operating income to assets | -1.0556% | 4,738 |
| Return on assets (ROA) | -1.0556% | 4,734 |
| Pretax return on assets | -1.3605% | 4,746 |
| Return on Equity (ROE) | -8.4613% | 4,733 |
| Retained earnings to average equity (ytd only) | -8.4613% | 4,533 |
| Net charge-offs to loans | 0.9816% | 68 |
| Credit loss provision to net charge-offs | 58.4416% | 1,173 |
| Earnings coverage of net charge-offs (x) | -4.7468% | 1,805 |
| Efficiency ratio | 155.7165% | 35 |
| Assets per employee ($millions) | 4.9306% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7285% | 1,005 |
| Loan loss allowance to noncurrent loans | 435.6589% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 1,956 |
| Noncurrent loans to loans | 0.3968% | 2,070 |
| Net loans and leases to total assets | 26.4497% | 4,546 |
| Net loans and leases to deposits | 30.0679% | 4,551 |
| Net loans and leases to core deposits | 30.7889% | 4,565 |
| Total domestic deposits to total assets | 87.9668% | 2,536 |
| Equity capital to assets | 11.7170% | 1,053 |
| Core capital (leverage) ratio | 13.3269% | 704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.8177% | 107 |
| Memoranda: | ||
| Average total assets | $241,379,000 | 2,839 |
| Average earning assets | $231,910,000 | 2,789 |
| Average equity | $30,113,500 | 2,480 |
| Average total loans | $62,757,500 | 3,747 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3465% | 4,564 |
| Cost of funding earning assets | 0.1910% | 3,550 |
| Net interest margin | 2.1555% | 4,510 |
| Noninterest income to average assets | 0.5172% | 2,492 |
| Noninterest expense to average assets | 2.9389% | 1,082 |
| Loan and lease loss provision to assets | 0.2999% | 269 |
| Net operating income to assets | -0.5250% | 4,766 |
| Return on assets (ROA) | -0.5436% | 4,773 |
| Pretax return on assets | -0.6898% | 4,778 |
| Return on Equity (ROE) | -5.0699% | 4,778 |
| Retained earnings to average equity (ytd only) | -10.1130% | 4,769 |
| Net charge-offs to loans | 0.6101% | 128 |
| Credit loss provision to net charge-offs | 127.0876% | 1,604 |
| Earnings coverage of net charge-offs (x) | -1.5519% | 2,663 |
| Efficiency ratio | 114.2377% | 78 |
| Assets per employee ($millions) | 5.3591% | 3,406 |
| Cash dividends to net income (ytd only)* | -99.4695% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9640% | 644 |
| Loan loss allowance to noncurrent loans | 208.0560% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.4217% | 1,555 |
| Noncurrent loans to loans | 0.9440% | 1,075 |
| Net loans and leases to total assets | 24.5899% | 4,655 |
| Net loans and leases to deposits | 28.4465% | 4,654 |
| Net loans and leases to core deposits | 29.0677% | 4,661 |
| Total domestic deposits to total assets | 86.4426% | 2,740 |
| Equity capital to assets | 13.2356% | 840 |
| Core capital (leverage) ratio | 14.1352% | 599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.7033% | 76 |
| Memoranda: | ||
| Average total assets | $208,038,600 | 3,004 |
| Average earning assets | $198,377,600 | 2,966 |
| Average equity | $22,308,000 | 3,034 |
| Average total loans | $80,481,200 | 3,477 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5581% | 4,531 |
| Cost of funding earning assets | 0.2057% | 3,551 |
| Net interest margin | 2.3524% | 4,444 |
| Noninterest income to average assets | 0.5286% | 2,507 |
| Noninterest expense to average assets | 3.0296% | 918 |
| Loan and lease loss provision to assets | 0.2163% | 456 |
| Net operating income to assets | -0.3829% | 4,818 |
| Return on assets (ROA) | -0.3845% | 4,825 |
| Pretax return on assets | -0.4832% | 4,833 |
| Return on Equity (ROE) | -3.8582% | 4,830 |
| Retained earnings to average equity (ytd only) | -11.3937% | 4,858 |
| Net charge-offs to loans | 0.0671% | 971 |
| Credit loss provision to net charge-offs | 753.4884% | 615 |
| Earnings coverage of net charge-offs (x) | -9.2326% | 2,436 |
| Efficiency ratio | 109.5847% | 106 |
| Assets per employee ($millions) | 4.9467% | 3,748 |
| Cash dividends to net income (ytd only)* | -195.3125% | 4,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9911% | 643 |
| Loan loss allowance to noncurrent loans | 126.1568% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.6473% | 1,166 |
| Noncurrent loans to loans | 1.5783% | 652 |
| Net loans and leases to total assets | 28.2852% | 4,638 |
| Net loans and leases to deposits | 33.0893% | 4,649 |
| Net loans and leases to core deposits | 33.8486% | 4,655 |
| Total domestic deposits to total assets | 85.4813% | 2,955 |
| Equity capital to assets | 14.1054% | 713 |
| Core capital (leverage) ratio | 16.2007% | 377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.0109% | 64 |
| Memoranda: | ||
| Average total assets | $199,758,250 | 3,101 |
| Average earning assets | $189,872,250 | 3,064 |
| Average equity | $19,905,250 | 3,260 |
| Average total loans | $85,479,250 | 3,441 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8528% | 4,283 |
| Cost of funding earning assets | 0.2213% | 3,550 |
| Net interest margin | 2.6315% | 4,113 |
| Noninterest income to average assets | 0.5539% | 2,390 |
| Noninterest expense to average assets | 2.8806% | 1,184 |
| Loan and lease loss provision to assets | 0.0635% | 1,767 |
| Net operating income to assets | 0.1334% | 4,681 |
| Return on assets (ROA) | 0.1334% | 4,702 |
| Pretax return on assets | 0.1027% | 4,730 |
| Return on Equity (ROE) | 1.6145% | 4,634 |
| Retained earnings to average equity (ytd only) | -1.5888% | 4,648 |
| Net charge-offs to loans | 0.0065% | 1,903 |
| Credit loss provision to net charge-offs | 2,000.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 52.3333% | 1,041 |
| Efficiency ratio | 94.5429% | 244 |
| Assets per employee ($millions) | 4.1741% | 4,346 |
| Cash dividends to net income (ytd only)* | 198.4127% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 1,890 |
| Loan loss allowance to noncurrent loans | 95.4506% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.9041% | 856 |
| Noncurrent loans to loans | 1.4872% | 766 |
| Net loans and leases to total assets | 40.2179% | 4,279 |
| Net loans and leases to deposits | 44.0913% | 4,376 |
| Net loans and leases to core deposits | 45.3812% | 4,416 |
| Total domestic deposits to total assets | 91.2150% | 301 |
| Equity capital to assets | 8.0449% | 4,507 |
| Core capital (leverage) ratio | 8.0930% | 4,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9004% | 486 |
| Memoranda: | ||
| Average total assets | $188,846,667 | 3,181 |
| Average earning assets | $178,911,667 | 3,144 |
| Average equity | $15,609,000 | 3,623 |
| Average total loans | $91,606,667 | 3,378 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0395% | 4,005 |
| Cost of funding earning assets | 0.2298% | 3,645 |
| Net interest margin | 2.8097% | 3,738 |
| Noninterest income to average assets | 0.5554% | 2,388 |
| Noninterest expense to average assets | 2.8857% | 1,186 |
| Loan and lease loss provision to assets | 0.0641% | 1,860 |
| Net operating income to assets | 0.2905% | 4,532 |
| Return on assets (ROA) | 0.2905% | 4,566 |
| Pretax return on assets | 0.2691% | 4,627 |
| Return on Equity (ROE) | 3.4672% | 4,379 |
| Retained earnings to average equity (ytd only) | 0.9178% | 4,232 |
| Net charge-offs to loans | 0.0407% | 1,055 |
| Credit loss provision to net charge-offs | 300.0000% | 753 |
| Earnings coverage of net charge-offs (x) | 15.6000% | 1,341 |
| Efficiency ratio | 89.6483% | 379 |
| Assets per employee ($millions) | 4.1336% | 4,396 |
| Cash dividends to net income (ytd only)* | 73.5294% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 3,225 |
| Loan loss allowance to noncurrent loans | 80.7057% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.0008% | 825 |
| Noncurrent loans to loans | 1.4172% | 895 |
| Net loans and leases to total assets | 48.8643% | 3,726 |
| Net loans and leases to deposits | 53.7442% | 3,957 |
| Net loans and leases to core deposits | 55.5460% | 4,006 |
| Total domestic deposits to total assets | 90.9202% | 430 |
| Equity capital to assets | 8.2163% | 4,350 |
| Core capital (leverage) ratio | 8.6119% | 4,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1759% | 664 |
| Memoranda: | ||
| Average total assets | $187,265,500 | 3,185 |
| Average earning assets | $177,528,000 | 3,143 |
| Average equity | $15,690,000 | 3,617 |
| Average total loans | $98,243,000 | 3,284 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8726% | 3,108 |
| Cost of funding earning assets | 0.3159% | 4,055 |
| Net interest margin | 3.5567% | 2,288 |
| Noninterest income to average assets | 0.8490% | 1,399 |
| Noninterest expense to average assets | 2.1350% | 3,859 |
| Loan and lease loss provision to assets | 0.5365% | 425 |
| Net operating income to assets | 1.1894% | 1,585 |
| Return on assets (ROA) | 1.2364% | 1,531 |
| Pretax return on assets | 1.5825% | 1,111 |
| Return on Equity (ROE) | 13.9458% | 827 |
| Retained earnings to average equity (ytd only) | 9.9556% | 595 |
| Net charge-offs to loans | 0.8100% | 177 |
| Credit loss provision to net charge-offs | 110.5711% | 2,718 |
| Earnings coverage of net charge-offs (x) | 4.2442% | 3,007 |
| Efficiency ratio | 50.8996% | 4,475 |
| Assets per employee ($millions) | 4.0083% | 4,371 |
| Cash dividends to net income (ytd only)* | 28.6123% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 3,763 |
| Loan loss allowance to noncurrent loans | 40.8440% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.4009% | 548 |
| Noncurrent loans to loans | 2.5201% | 396 |
| Net loans and leases to total assets | 55.0167% | 3,388 |
| Net loans and leases to deposits | 60.8191% | 3,694 |
| Net loans and leases to core deposits | 62.6704% | 3,796 |
| Total domestic deposits to total assets | 90.4596% | 395 |
| Equity capital to assets | 8.5458% | 4,417 |
| Core capital (leverage) ratio | 8.5699% | 4,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3691% | 735 |
| Memoranda: | ||
| Average total assets | $169,603,600 | 3,196 |
| Average earning assets | $159,531,200 | 3,173 |
| Average equity | $15,036,800 | 3,649 |
| Average total loans | $101,606,000 | 3,203 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9943% | 2,990 |
| Cost of funding earning assets | 0.3372% | 4,117 |
| Net interest margin | 3.6571% | 2,079 |
| Noninterest income to average assets | 0.5939% | 2,204 |
| Noninterest expense to average assets | 1.7937% | 4,511 |
| Loan and lease loss provision to assets | 0.4659% | 671 |
| Net operating income to assets | 1.4266% | 1,040 |
| Return on assets (ROA) | 1.4924% | 1,005 |
| Pretax return on assets | 1.8492% | 714 |
| Return on Equity (ROE) | 16.6654% | 478 |
| Retained earnings to average equity (ytd only) | 13.0757% | 326 |
| Net charge-offs to loans | 0.4748% | 310 |
| Credit loss provision to net charge-offs | 160.6648% | 2,264 |
| Earnings coverage of net charge-offs (x) | 7.7008% | 2,556 |
| Efficiency ratio | 44.5331% | 4,770 |
| Assets per employee ($millions) | 3.8944% | 4,413 |
| Cash dividends to net income (ytd only)* | 21.5401% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 3,237 |
| Loan loss allowance to noncurrent loans | 44.4903% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 1.4576% | 598 |
| Noncurrent loans to loans | 2.4600% | 429 |
| Net loans and leases to total assets | 58.6056% | 3,363 |
| Net loans and leases to deposits | 64.5730% | 3,750 |
| Net loans and leases to core deposits | 65.6596% | 3,911 |
| Total domestic deposits to total assets | 90.7587% | 220 |
| Equity capital to assets | 8.6294% | 4,384 |
| Core capital (leverage) ratio | 8.4990% | 4,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1319% | 770 |
| Memoranda: | ||
| Average total assets | $165,908,500 | 3,209 |
| Average earning assets | $155,783,750 | 3,188 |
| Average equity | $14,856,750 | 3,672 |
| Average total loans | $101,383,250 | 3,218 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2119% | 2,722 |
| Cost of funding earning assets | 0.3727% | 4,157 |
| Net interest margin | 3.8392% | 1,716 |
| Noninterest income to average assets | 0.6142% | 2,078 |
| Noninterest expense to average assets | 1.0849% | 4,996 |
| Loan and lease loss provision to assets | 0.6866% | 411 |
| Net operating income to assets | 1.9541% | 364 |
| Return on assets (ROA) | 2.0549% | 329 |
| Pretax return on assets | 2.5568% | 194 |
| Return on Equity (ROE) | 22.6348% | 148 |
| Retained earnings to average equity (ytd only) | 17.1342% | 136 |
| Net charge-offs to loans | 0.4847% | 331 |
| Credit loss provision to net charge-offs | 229.1667% | 1,808 |
| Earnings coverage of net charge-offs (x) | 10.4042% | 2,156 |
| Efficiency ratio | 25.8170% | 5,035 |
| Assets per employee ($millions) | 3.9433% | 4,364 |
| Cash dividends to net income (ytd only)* | 24.3013% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 1,956 |
| Loan loss allowance to noncurrent loans | 47.5446% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.4819% | 635 |
| Noncurrent loans to loans | 2.7532% | 388 |
| Net loans and leases to total assets | 53.1192% | 3,951 |
| Net loans and leases to deposits | 58.5666% | 4,188 |
| Net loans and leases to core deposits | 59.4571% | 4,292 |
| Total domestic deposits to total assets | 90.6987% | 224 |
| Equity capital to assets | 8.5587% | 4,444 |
| Core capital (leverage) ratio | 9.3645% | 3,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9151% | 683 |
| Memoranda: | ||
| Average total assets | $160,199,000 | 3,246 |
| Average earning assets | $149,720,333 | 3,222 |
| Average equity | $14,544,000 | 3,700 |
| Average total loans | $99,025,333 | 3,253 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6229% | 1,934 |
| Cost of funding earning assets | 0.4482% | 4,160 |
| Net interest margin | 4.1747% | 969 |
| Noninterest income to average assets | 0.7059% | 1,631 |
| Noninterest expense to average assets | 4.3957% | 332 |
| Loan and lease loss provision to assets | 0.0802% | 2,710 |
| Net operating income to assets | 0.1019% | 4,655 |
| Return on assets (ROA) | 0.3422% | 4,288 |
| Pretax return on assets | 0.3850% | 4,318 |
| Return on Equity (ROE) | 3.6432% | 4,053 |
| Retained earnings to average equity (ytd only) | 3.6432% | 2,823 |
| Net charge-offs to loans | 0.9547% | 159 |
| Credit loss provision to net charge-offs | 12.6050% | 2,223 |
| Earnings coverage of net charge-offs (x) | 0.3067% | 2,476 |
| Efficiency ratio | 95.7484% | 333 |
| Assets per employee ($millions) | 3.4607% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7200% | 4,575 |
| Loan loss allowance to noncurrent loans | 23.1425% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 2.1626% | 353 |
| Noncurrent loans to loans | 3.1112% | 333 |
| Net loans and leases to total assets | 68.8210% | 2,418 |
| Net loans and leases to deposits | 76.2319% | 3,050 |
| Net loans and leases to core deposits | 77.6544% | 3,374 |
| Total domestic deposits to total assets | 90.2784% | 243 |
| Equity capital to assets | 9.1640% | 4,495 |
| Core capital (leverage) ratio | 9.5558% | 3,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8578% | 1,383 |
| Memoranda: | ||
| Average total assets | $149,601,500 | 3,324 |
| Average earning assets | $139,220,000 | 3,320 |
| Average equity | $14,053,500 | 3,766 |
| Average total loans | $99,721,500 | 3,228 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2402% | 915 |
| Cost of funding earning assets | 0.5028% | 4,082 |
| Net interest margin | 4.7375% | 433 |
| Noninterest income to average assets | 0.8075% | 1,428 |
| Noninterest expense to average assets | 4.3485% | 354 |
| Loan and lease loss provision to assets | 0.0909% | 2,207 |
| Net operating income to assets | 0.6358% | 4,055 |
| Return on assets (ROA) | 0.6392% | 4,111 |
| Pretax return on assets | 0.7587% | 4,063 |
| Return on Equity (ROE) | 6.7530% | 3,643 |
| Retained earnings to average equity (ytd only) | 1.7348% | 4,108 |
| Net charge-offs to loans | 0.0469% | 2,450 |
| Credit loss provision to net charge-offs | 304.5455% | 911 |
| Earnings coverage of net charge-offs (x) | 28.3182% | 1,632 |
| Efficiency ratio | 83.7209% | 673 |
| Assets per employee ($millions) | 3.0611% | 4,793 |
| Cash dividends to net income (ytd only)* | 74.3100% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 3,316 |
| Loan loss allowance to noncurrent loans | 38.9537% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.6974% | 546 |
| Noncurrent loans to loans | 2.6467% | 394 |
| Net loans and leases to total assets | 63.2406% | 3,286 |
| Net loans and leases to deposits | 70.4195% | 3,636 |
| Net loans and leases to core deposits | 71.7833% | 3,870 |
| Total domestic deposits to total assets | 89.8056% | 393 |
| Equity capital to assets | 9.6322% | 4,239 |
| Core capital (leverage) ratio | 9.5834% | 3,981 |
| Tier 1 risk-based capital ratio | 17.4882% | 1,896 |
| Total risk-based capital ratio | 18.6831% | 1,870 |
| Memoranda: | ||
| Average total assets | $147,361,200 | 3,330 |
| Average earning assets | $136,444,600 | 3,336 |
| Average equity | $13,949,400 | 3,760 |
| Average total loans | $93,812,200 | 3,324 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3270% | 815 |
| Cost of funding earning assets | 0.5112% | 4,095 |
| Net interest margin | 4.8158% | 406 |
| Noninterest income to average assets | 0.8191% | 1,362 |
| Noninterest expense to average assets | 4.2594% | 382 |
| Loan and lease loss provision to assets | 0.0814% | 2,281 |
| Net operating income to assets | 0.7820% | 3,730 |
| Return on assets (ROA) | 0.7866% | 3,784 |
| Pretax return on assets | 0.9385% | 3,767 |
| Return on Equity (ROE) | 8.3460% | 3,177 |
| Retained earnings to average equity (ytd only) | 4.0291% | 3,382 |
| Net charge-offs to loans | 0.0554% | 2,041 |
| Credit loss provision to net charge-offs | 230.7692% | 1,165 |
| Earnings coverage of net charge-offs (x) | 28.7685% | 1,673 |
| Efficiency ratio | 80.7646% | 858 |
| Assets per employee ($millions) | 3.1078% | 4,832 |
| Cash dividends to net income (ytd only)* | 51.7246% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 3,739 |
| Loan loss allowance to noncurrent loans | 37.1006% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.7977% | 552 |
| Noncurrent loans to loans | 2.6104% | 426 |
| Net loans and leases to total assets | 66.4491% | 2,996 |
| Net loans and leases to deposits | 74.3467% | 3,447 |
| Net loans and leases to core deposits | 75.8292% | 3,710 |
| Total domestic deposits to total assets | 89.3774% | 485 |
| Equity capital to assets | 10.1099% | 3,909 |
| Core capital (leverage) ratio | 9.7182% | 3,947 |
| Tier 1 risk-based capital ratio | 17.2364% | 2,014 |
| Total risk-based capital ratio | 18.3527% | 2,004 |
| Memoranda: | ||
| Average total assets | $147,468,000 | 3,370 |
| Average earning assets | $136,409,000 | 3,369 |
| Average equity | $13,898,500 | 3,797 |
| Average total loans | $93,792,750 | 3,362 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2869% | 834 |
| Cost of funding earning assets | 0.5044% | 4,102 |
| Net interest margin | 4.7825% | 417 |
| Noninterest income to average assets | 0.8216% | 1,277 |
| Noninterest expense to average assets | 4.2841% | 374 |
| Loan and lease loss provision to assets | 0.0953% | 1,946 |
| Net operating income to assets | 0.7196% | 3,934 |
| Return on assets (ROA) | 0.7196% | 3,995 |
| Pretax return on assets | 0.8592% | 3,952 |
| Return on Equity (ROE) | 7.8170% | 3,369 |
| Retained earnings to average equity (ytd only) | 3.4418% | 3,517 |
| Net charge-offs to loans | 0.0838% | 1,523 |
| Credit loss provision to net charge-offs | 182.0513% | 1,302 |
| Earnings coverage of net charge-offs (x) | 18.2308% | 1,865 |
| Efficiency ratio | 81.7786% | 819 |
| Assets per employee ($millions) | 3.3256% | 4,679 |
| Cash dividends to net income (ytd only)* | 55.9701% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 4,039 |
| Loan loss allowance to noncurrent loans | 107.4380% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 2,233 |
| Noncurrent loans to loans | 0.8501% | 1,902 |
| Net loans and leases to total assets | 64.5357% | 3,282 |
| Net loans and leases to deposits | 71.5432% | 3,720 |
| Net loans and leases to core deposits | 72.8573% | 3,955 |
| Total domestic deposits to total assets | 90.2052% | 279 |
| Equity capital to assets | 9.3418% | 4,540 |
| Core capital (leverage) ratio | 9.4705% | 4,175 |
| Tier 1 risk-based capital ratio | 16.4254% | 2,271 |
| Total risk-based capital ratio | 18.5364% | 1,955 |
| Memoranda: | ||
| Average total assets | $148,971,000 | 3,367 |
| Average earning assets | $137,586,330 | 3,365 |
| Average equity | $13,713,670 | 3,829 |
| Average total loans | $93,082,330 | 3,389 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1764% | 950 |
| Cost of funding earning assets | 0.5047% | 4,036 |
| Net interest margin | 4.6718% | 526 |
| Noninterest income to average assets | 0.8437% | 1,181 |
| Noninterest expense to average assets | 4.1642% | 428 |
| Loan and lease loss provision to assets | 0.1007% | 1,747 |
| Net operating income to assets | 0.7457% | 3,785 |
| Return on assets (ROA) | 0.7457% | 3,833 |
| Pretax return on assets | 0.8873% | 3,807 |
| Return on Equity (ROE) | 8.1639% | 3,184 |
| Retained earnings to average equity (ytd only) | 3.6946% | 3,445 |
| Net charge-offs to loans | 0.1114% | 1,070 |
| Credit loss provision to net charge-offs | 148.0000% | 1,254 |
| Earnings coverage of net charge-offs (x) | 14.5200% | 1,791 |
| Efficiency ratio | 80.8241% | 979 |
| Assets per employee ($millions) | 3.1859% | 4,842 |
| Cash dividends to net income (ytd only)* | 54.7445% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9799% | 3,822 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 2,158 |
| Noncurrent loans to loans | 0.9799% | 1,706 |
| Net loans and leases to total assets | 60.0604% | 3,703 |
| Net loans and leases to deposits | 66.4092% | 4,023 |
| Net loans and leases to core deposits | 67.9111% | 4,183 |
| Total domestic deposits to total assets | 90.4398% | 307 |
| Equity capital to assets | 9.1067% | 4,612 |
| Core capital (leverage) ratio | 9.4806% | 4,153 |
| Tier 1 risk-based capital ratio | 16.4965% | 2,269 |
| Total risk-based capital ratio | 17.5459% | 2,286 |
| Memoranda: | ||
| Average total assets | $146,967,000 | 3,426 |
| Average earning assets | $135,537,000 | 3,433 |
| Average equity | $13,425,000 | 3,884 |
| Average total loans | $89,805,500 | 3,495 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3192% | 563 |
| Cost of funding earning assets | 0.4161% | 3,890 |
| Net interest margin | 4.9031% | 321 |
| Noninterest income to average assets | 0.8419% | 1,331 |
| Noninterest expense to average assets | 4.4215% | 318 |
| Loan and lease loss provision to assets | 0.1186% | 1,858 |
| Net operating income to assets | 0.6807% | 4,199 |
| Return on assets (ROA) | 0.6801% | 4,205 |
| Pretax return on assets | 0.8090% | 4,148 |
| Return on Equity (ROE) | 7.8399% | 3,508 |
| Retained earnings to average equity (ytd only) | 7.8399% | 1,315 |
| Net charge-offs to loans | 0.2647% | 729 |
| Credit loss provision to net charge-offs | 67.8431% | 3,019 |
| Earnings coverage of net charge-offs (x) | 5.3098% | 3,203 |
| Efficiency ratio | 82.6477% | 730 |
| Assets per employee ($millions) | 2.8274% | 5,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 3,769 |
| Loan loss allowance to noncurrent loans | 210.5516% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 3,368 |
| Noncurrent loans to loans | 0.4697% | 2,869 |
| Net loans and leases to total assets | 60.9655% | 3,671 |
| Net loans and leases to deposits | 68.0526% | 3,975 |
| Net loans and leases to core deposits | 69.9678% | 4,118 |
| Total domestic deposits to total assets | 89.5858% | 627 |
| Equity capital to assets | 9.1638% | 4,435 |
| Core capital (leverage) ratio | 9.5566% | 4,050 |
| Tier 1 risk-based capital ratio | 16.4285% | 2,264 |
| Total risk-based capital ratio | 17.4742% | 2,278 |
| Memoranda: | ||
| Average total assets | $145,855,000 | 3,429 |
| Average earning assets | $134,100,200 | 3,441 |
| Average equity | $12,653,200 | 3,936 |
| Average total loans | $96,331,600 | 3,365 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3403% | 490 |
| Cost of funding earning assets | 0.4038% | 3,832 |
| Net interest margin | 4.9364% | 290 |
| Noninterest income to average assets | 0.8213% | 1,408 |
| Noninterest expense to average assets | 4.3781% | 331 |
| Loan and lease loss provision to assets | 0.1139% | 1,782 |
| Net operating income to assets | 0.7254% | 4,151 |
| Return on assets (ROA) | 0.7247% | 4,161 |
| Pretax return on assets | 0.8632% | 4,136 |
| Return on Equity (ROE) | 8.4710% | 3,346 |
| Retained earnings to average equity (ytd only) | 8.4710% | 1,435 |
| Net charge-offs to loans | 0.1996% | 848 |
| Credit loss provision to net charge-offs | 85.0340% | 2,471 |
| Earnings coverage of net charge-offs (x) | 7.2991% | 2,819 |
| Efficiency ratio | 81.7393% | 796 |
| Assets per employee ($millions) | 2.7682% | 5,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 3,624 |
| Loan loss allowance to noncurrent loans | 93.4263% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 2,074 |
| Noncurrent loans to loans | 1.0955% | 1,554 |
| Net loans and leases to total assets | 63.0174% | 3,541 |
| Net loans and leases to deposits | 69.5306% | 3,953 |
| Net loans and leases to core deposits | 71.4642% | 4,111 |
| Total domestic deposits to total assets | 90.6326% | 306 |
| Equity capital to assets | 8.8061% | 4,718 |
| Core capital (leverage) ratio | 9.4296% | 4,253 |
| Tier 1 risk-based capital ratio | 15.6365% | 2,588 |
| Total risk-based capital ratio | 16.7170% | 2,599 |
| Memoranda: | ||
| Average total assets | $146,269,250 | 3,466 |
| Average earning assets | $134,372,000 | 3,472 |
| Average equity | $12,513,000 | 3,984 |
| Average total loans | $98,217,250 | 3,357 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2990% | 473 |
| Cost of funding earning assets | 0.3930% | 3,776 |
| Net interest margin | 4.9060% | 296 |
| Noninterest income to average assets | 0.8555% | 1,304 |
| Noninterest expense to average assets | 4.3701% | 334 |
| Loan and lease loss provision to assets | 0.1578% | 1,190 |
| Net operating income to assets | 0.7111% | 4,166 |
| Return on assets (ROA) | 0.7100% | 4,170 |
| Pretax return on assets | 0.8433% | 4,128 |
| Return on Equity (ROE) | 8.3797% | 3,326 |
| Retained earnings to average equity (ytd only) | 8.3797% | 1,459 |
| Net charge-offs to loans | 0.2410% | 658 |
| Credit loss provision to net charge-offs | 95.8678% | 2,107 |
| Earnings coverage of net charge-offs (x) | 6.0909% | 2,657 |
| Efficiency ratio | 81.3418% | 888 |
| Assets per employee ($millions) | 2.7498% | 5,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 4,035 |
| Loan loss allowance to noncurrent loans | 210.8168% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 3,445 |
| Noncurrent loans to loans | 0.4581% | 3,062 |
| Net loans and leases to total assets | 68.4943% | 2,795 |
| Net loans and leases to deposits | 75.5296% | 3,388 |
| Net loans and leases to core deposits | 77.6383% | 3,607 |
| Total domestic deposits to total assets | 90.6854% | 332 |
| Equity capital to assets | 8.7803% | 4,737 |
| Core capital (leverage) ratio | 9.1289% | 4,542 |
| Tier 1 risk-based capital ratio | 14.3533% | 3,179 |
| Total risk-based capital ratio | 15.3916% | 3,207 |
| Memoranda: | ||
| Average total assets | $147,043,670 | 3,478 |
| Average earning assets | $135,384,000 | 3,480 |
| Average equity | $12,458,670 | 4,017 |
| Average total loans | $100,406,670 | 3,334 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2200% | 471 |
| Cost of funding earning assets | 0.3941% | 3,633 |
| Net interest margin | 4.8259% | 327 |
| Noninterest income to average assets | 0.8774% | 1,212 |
| Noninterest expense to average assets | 4.2369% | 387 |
| Loan and lease loss provision to assets | 0.1503% | 1,207 |
| Net operating income to assets | 0.7777% | 3,802 |
| Return on assets (ROA) | 0.7755% | 3,809 |
| Pretax return on assets | 0.9231% | 3,775 |
| Return on Equity (ROE) | 9.3147% | 2,758 |
| Retained earnings to average equity (ytd only) | 9.3147% | 1,356 |
| Net charge-offs to loans | 0.4943% | 309 |
| Credit loss provision to net charge-offs | 44.8000% | 1,986 |
| Earnings coverage of net charge-offs (x) | 3.2080% | 2,408 |
| Efficiency ratio | 79.7475% | 1,170 |
| Assets per employee ($millions) | 2.7972% | 5,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,349 |
| Loan loss allowance to noncurrent loans | 87.3529% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.7136% | 2,183 |
| Noncurrent loans to loans | 1.0539% | 1,739 |
| Net loans and leases to total assets | 65.9271% | 3,043 |
| Net loans and leases to deposits | 72.4410% | 3,560 |
| Net loans and leases to core deposits | 74.4158% | 3,784 |
| Total domestic deposits to total assets | 91.0081% | 315 |
| Equity capital to assets | 8.5113% | 4,971 |
| Core capital (leverage) ratio | 8.7699% | 4,927 |
| Tier 1 risk-based capital ratio | 13.6936% | 3,549 |
| Total risk-based capital ratio | 14.6400% | 3,640 |
| Memoranda: | ||
| Average total assets | $149,070,500 | 3,481 |
| Average earning assets | $137,012,000 | 3,492 |
| Average equity | $12,410,500 | 4,060 |
| Average total loans | $101,162,500 | 3,338 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9907% | 657 |
| Cost of funding earning assets | 0.3741% | 3,473 |
| Net interest margin | 4.6166% | 488 |
| Noninterest income to average assets | 0.7733% | 1,677 |
| Noninterest expense to average assets | 6.5341% | 133 |
| Loan and lease loss provision to assets | -0.2139% | 5,586 |
| Net operating income to assets | -1.1344% | 5,601 |
| Return on assets (ROA) | -1.0985% | 5,598 |
| Pretax return on assets | -1.2200% | 5,618 |
| Return on Equity (ROE) | -13.0385% | 5,619 |
| Retained earnings to average equity (ytd only) | -16.9816% | 5,602 |
| Net charge-offs to loans | 0.0103% | 3,725 |
| Credit loss provision to net charge-offs | -3,072.7273% | 5,210 |
| Earnings coverage of net charge-offs (x) | -211.7273% | 4,125 |
| Efficiency ratio | 129.1234% | 45 |
| Assets per employee ($millions) | 2.8276% | 5,304 |
| Cash dividends to net income (ytd only)* | -30.2419% | 5,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 4,417 |
| Loan loss allowance to noncurrent loans | 139.8836% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.4617% | 3,025 |
| Noncurrent loans to loans | 0.6509% | 2,592 |
| Net loans and leases to total assets | 68.4926% | 2,753 |
| Net loans and leases to deposits | 79.4741% | 2,972 |
| Net loans and leases to core deposits | 81.6617% | 3,273 |
| Total domestic deposits to total assets | 86.1823% | 2,358 |
| Equity capital to assets | 8.1480% | 5,330 |
| Core capital (leverage) ratio | 7.7099% | 5,517 |
| Tier 1 risk-based capital ratio | 13.0997% | 3,848 |
| Total risk-based capital ratio | 14.1066% | 3,893 |
| Memoranda: | ||
| Average total assets | $158,033,000 | 3,377 |
| Average earning assets | $146,754,400 | 3,362 |
| Average equity | $13,314,400 | 3,941 |
| Average total loans | $106,691,000 | 3,234 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8027% | 925 |
| Cost of funding earning assets | 0.3343% | 3,821 |
| Net interest margin | 4.4683% | 639 |
| Noninterest income to average assets | 0.7764% | 1,675 |
| Noninterest expense to average assets | 4.0208% | 504 |
| Loan and lease loss provision to assets | 2.1208% | 35 |
| Net operating income to assets | -0.7540% | 5,652 |
| Return on assets (ROA) | -0.7245% | 5,652 |
| Pretax return on assets | -1.1595% | 5,676 |
| Return on Equity (ROE) | -8.5322% | 5,662 |
| Retained earnings to average equity (ytd only) | -13.7047% | 5,651 |
| Net charge-offs to loans | 3.1582% | 41 |
| Credit loss provision to net charge-offs | 100.0395% | 2,275 |
| Earnings coverage of net charge-offs (x) | 0.4317% | 3,667 |
| Efficiency ratio | 81.4576% | 961 |
| Assets per employee ($millions) | 3.1835% | 5,091 |
| Cash dividends to net income (ytd only)* | -60.6232% | 5,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 3,240 |
| Loan loss allowance to noncurrent loans | 179.8354% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 3,210 |
| Noncurrent loans to loans | 0.6351% | 2,803 |
| Net loans and leases to total assets | 66.0068% | 3,103 |
| Net loans and leases to deposits | 84.2475% | 2,534 |
| Net loans and leases to core deposits | 86.3260% | 2,935 |
| Total domestic deposits to total assets | 78.3487% | 4,658 |
| Equity capital to assets | 7.2916% | 5,637 |
| Core capital (leverage) ratio | 7.4197% | 5,627 |
| Tier 1 risk-based capital ratio | 11.8157% | 4,754 |
| Total risk-based capital ratio | 13.0678% | 4,623 |
| Memoranda: | ||
| Average total assets | $159,369,250 | 3,383 |
| Average earning assets | $148,358,750 | 3,375 |
| Average equity | $13,532,750 | 3,947 |
| Average total loans | $106,978,500 | 3,260 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6970% | 1,065 |
| Cost of funding earning assets | 0.2977% | 4,101 |
| Net interest margin | 4.3993% | 704 |
| Noninterest income to average assets | 0.7939% | 1,588 |
| Noninterest expense to average assets | 4.0905% | 476 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5657% | 4,446 |
| Return on assets (ROA) | 0.6160% | 4,277 |
| Pretax return on assets | 0.8686% | 4,041 |
| Return on Equity (ROE) | 6.8949% | 3,611 |
| Retained earnings to average equity (ytd only) | 1.8463% | 4,511 |
| Net charge-offs to loans | -0.0153% | 4,677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6805% | 868 |
| Assets per employee ($millions) | 3.1534% | 5,144 |
| Cash dividends to net income (ytd only)* | 73.2218% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 3,171 |
| Loan loss allowance to noncurrent loans | 114.4097% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.7349% | 2,362 |
| Noncurrent loans to loans | 1.0273% | 1,910 |
| Net loans and leases to total assets | 67.5835% | 2,867 |
| Net loans and leases to deposits | 81.6558% | 2,730 |
| Net loans and leases to core deposits | 83.6491% | 3,107 |
| Total domestic deposits to total assets | 82.7663% | 3,640 |
| Equity capital to assets | 8.5708% | 5,250 |
| Core capital (leverage) ratio | 9.4294% | 4,203 |
| Tier 1 risk-based capital ratio | 14.0157% | 3,421 |
| Total risk-based capital ratio | 15.2657% | 3,333 |
| Memoranda: | ||
| Average total assets | $155,188,670 | 3,450 |
| Average earning assets | $144,431,670 | 3,436 |
| Average equity | $13,865,330 | 3,906 |
| Average total loans | $104,376,670 | 3,308 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 873 |
| Cost of funding earning assets | 0.2859% | 4,188 |
| Net interest margin | 4.4489% | 573 |
| Noninterest income to average assets | 0.8011% | 1,547 |
| Noninterest expense to average assets | 4.1699% | 440 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5438% | 4,406 |
| Return on assets (ROA) | 0.5438% | 4,446 |
| Pretax return on assets | 0.7586% | 4,256 |
| Return on Equity (ROE) | 5.9545% | 3,937 |
| Retained earnings to average equity (ytd only) | 0.8714% | 4,701 |
| Net charge-offs to loans | 0.0478% | 1,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 23.8333% | 1,379 |
| Efficiency ratio | 84.6071% | 918 |
| Assets per employee ($millions) | 3.1059% | 5,264 |
| Cash dividends to net income (ytd only)* | 85.3659% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3730% | 2,195 |
| Loan loss allowance to noncurrent loans | 242.1642% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.3640% | 3,743 |
| Noncurrent loans to loans | 0.5670% | 3,108 |
| Net loans and leases to total assets | 61.2655% | 3,627 |
| Net loans and leases to deposits | 67.6942% | 4,017 |
| Net loans and leases to core deposits | 69.1907% | 4,210 |
| Total domestic deposits to total assets | 90.5033% | 475 |
| Equity capital to assets | 9.0886% | 4,721 |
| Core capital (leverage) ratio | 9.4746% | 4,143 |
| Tier 1 risk-based capital ratio | 14.9832% | 2,969 |
| Total risk-based capital ratio | 16.2344% | 2,898 |
| Memoranda: | ||
| Average total assets | $150,795,500 | 3,547 |
| Average earning assets | $139,899,000 | 3,528 |
| Average equity | $13,771,000 | 3,950 |
| Average total loans | $100,496,000 | 3,412 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0073% | 582 |
| Cost of funding earning assets | 0.3212% | 3,833 |
| Net interest margin | 4.6861% | 434 |
| Noninterest income to average assets | 0.7365% | 2,008 |
| Noninterest expense to average assets | 3.6550% | 942 |
| Loan and lease loss provision to assets | 0.1267% | 1,962 |
| Net operating income to assets | 0.9304% | 2,677 |
| Return on assets (ROA) | 0.9850% | 2,515 |
| Pretax return on assets | 1.4298% | 1,818 |
| Return on Equity (ROE) | 12.3270% | 1,163 |
| Retained earnings to average equity (ytd only) | 7.0687% | 1,206 |
| Net charge-offs to loans | 0.0349% | 3,331 |
| Credit loss provision to net charge-offs | 502.3810% | 658 |
| Earnings coverage of net charge-offs (x) | 58.5952% | 911 |
| Efficiency ratio | 71.2164% | 2,709 |
| Assets per employee ($millions) | 2.9294% | 5,403 |
| Cash dividends to net income (ytd only)* | 42.6569% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 2,932 |
| Loan loss allowance to noncurrent loans | 230.6338% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 3,699 |
| Noncurrent loans to loans | 0.5336% | 3,253 |
| Net loans and leases to total assets | 70.3770% | 2,417 |
| Net loans and leases to deposits | 78.3026% | 3,065 |
| Net loans and leases to core deposits | 80.0749% | 3,390 |
| Total domestic deposits to total assets | 89.8782% | 694 |
| Equity capital to assets | 9.1766% | 4,608 |
| Core capital (leverage) ratio | 8.3350% | 5,411 |
| Tier 1 risk-based capital ratio | 14.6963% | 3,104 |
| Total risk-based capital ratio | 15.9470% | 3,045 |
| Memoranda: | ||
| Average total assets | $166,595,200 | 3,324 |
| Average earning assets | $156,270,800 | 3,290 |
| Average equity | $13,312,200 | 4,054 |
| Average total loans | $120,433,000 | 3,062 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8252% | 848 |
| Cost of funding earning assets | 0.3070% | 4,021 |
| Net interest margin | 4.5182% | 601 |
| Noninterest income to average assets | 0.7146% | 2,110 |
| Noninterest expense to average assets | 3.5225% | 1,109 |
| Loan and lease loss provision to assets | 0.1233% | 1,893 |
| Net operating income to assets | 0.9078% | 2,859 |
| Return on assets (ROA) | 0.9643% | 2,731 |
| Pretax return on assets | 1.3989% | 2,041 |
| Return on Equity (ROE) | 12.4725% | 1,182 |
| Retained earnings to average equity (ytd only) | 7.1747% | 1,540 |
| Net charge-offs to loans | 0.0194% | 3,316 |
| Credit loss provision to net charge-offs | 877.7778% | 461 |
| Earnings coverage of net charge-offs (x) | 102.5529% | 645 |
| Efficiency ratio | 70.9794% | 2,745 |
| Assets per employee ($millions) | 3.6172% | 4,616 |
| Cash dividends to net income (ytd only)* | 42.4755% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 4,563 |
| Loan loss allowance to noncurrent loans | 204.9600% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 3,968 |
| Noncurrent loans to loans | 0.4731% | 3,597 |
| Net loans and leases to total assets | 73.8067% | 1,899 |
| Net loans and leases to deposits | 100.5457% | 675 |
| Net loans and leases to core deposits | 102.8921% | 1,426 |
| Total domestic deposits to total assets | 73.4062% | 5,488 |
| Equity capital to assets | 7.8034% | 5,794 |
| Core capital (leverage) ratio | 8.4753% | 5,382 |
| Tier 1 risk-based capital ratio | 12.7536% | 4,310 |
| Total risk-based capital ratio | 13.9314% | 4,257 |
| Memoranda: | ||
| Average total assets | $170,897,750 | 3,286 |
| Average earning assets | $160,679,750 | 3,242 |
| Average equity | $13,212,750 | 4,096 |
| Average total loans | $123,927,750 | 3,015 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8642% | 781 |
| Cost of funding earning assets | 0.3142% | 3,973 |
| Net interest margin | 4.5500% | 554 |
| Noninterest income to average assets | 0.7133% | 2,076 |
| Noninterest expense to average assets | 3.5335% | 1,107 |
| Loan and lease loss provision to assets | 0.1256% | 1,815 |
| Net operating income to assets | 0.9137% | 2,796 |
| Return on assets (ROA) | 0.9930% | 2,562 |
| Pretax return on assets | 1.4421% | 1,869 |
| Return on Equity (ROE) | 12.8857% | 1,060 |
| Retained earnings to average equity (ytd only) | 7.5038% | 1,377 |
| Net charge-offs to loans | -0.0066% | 4,591 |
| Credit loss provision to net charge-offs | -2,650.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8650% | 2,849 |
| Assets per employee ($millions) | 3.4135% | 4,899 |
| Cash dividends to net income (ytd only)* | 41.7661% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 4,693 |
| Loan loss allowance to noncurrent loans | 539.2241% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 4,781 |
| Noncurrent loans to loans | 0.1792% | 4,717 |
| Net loans and leases to total assets | 75.1150% | 1,629 |
| Net loans and leases to deposits | 95.7840% | 1,103 |
| Net loans and leases to core deposits | 98.1857% | 1,791 |
| Total domestic deposits to total assets | 78.4212% | 4,910 |
| Equity capital to assets | 7.9565% | 5,818 |
| Core capital (leverage) ratio | 8.1067% | 5,666 |
| Tier 1 risk-based capital ratio | 12.9862% | 4,208 |
| Total risk-based capital ratio | 14.1766% | 4,159 |
| Memoranda: | ||
| Average total assets | $168,782,330 | 3,329 |
| Average earning assets | $158,505,670 | 3,288 |
| Average equity | $13,006,670 | 4,149 |
| Average total loans | $121,204,000 | 3,055 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7573% | 932 |
| Cost of funding earning assets | 0.3124% | 4,033 |
| Net interest margin | 4.4449% | 674 |
| Noninterest income to average assets | 0.6959% | 2,060 |
| Noninterest expense to average assets | 3.4939% | 1,190 |
| Loan and lease loss provision to assets | 0.1263% | 1,680 |
| Net operating income to assets | 0.8628% | 2,934 |
| Return on assets (ROA) | 0.9319% | 2,700 |
| Pretax return on assets | 1.3466% | 2,107 |
| Return on Equity (ROE) | 12.2956% | 1,214 |
| Retained earnings to average equity (ytd only) | 6.7925% | 1,979 |
| Net charge-offs to loans | -0.0068% | 4,387 |
| Credit loss provision to net charge-offs | -2,650.0000% | 4,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7924% | 2,831 |
| Assets per employee ($millions) | 3.4211% | 4,927 |
| Cash dividends to net income (ytd only)* | 44.7570% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 4,774 |
| Loan loss allowance to noncurrent loans | 198.6711% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 4,011 |
| Noncurrent loans to loans | 0.4870% | 3,720 |
| Net loans and leases to total assets | 71.5737% | 2,104 |
| Net loans and leases to deposits | 92.4299% | 1,291 |
| Net loans and leases to core deposits | 94.7659% | 1,909 |
| Total domestic deposits to total assets | 77.4356% | 5,228 |
| Equity capital to assets | 7.6345% | 5,922 |
| Core capital (leverage) ratio | 8.1034% | 5,718 |
| Tier 1 risk-based capital ratio | 12.4813% | 4,584 |
| Total risk-based capital ratio | 13.6086% | 4,583 |
| Memoranda: | ||
| Average total assets | $167,835,000 | 3,360 |
| Average earning assets | $157,485,500 | 3,321 |
| Average equity | $12,720,000 | 4,205 |
| Average total loans | $117,078,500 | 3,131 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5078% | 1,568 |
| Cost of funding earning assets | 0.2926% | 4,338 |
| Net interest margin | 4.2151% | 1,138 |
| Noninterest income to average assets | 0.7514% | 1,976 |
| Noninterest expense to average assets | 3.6232% | 1,083 |
| Loan and lease loss provision to assets | 0.1477% | 1,595 |
| Net operating income to assets | 0.6742% | 3,931 |
| Return on assets (ROA) | 0.7188% | 3,825 |
| Pretax return on assets | 1.0056% | 3,454 |
| Return on Equity (ROE) | 8.9858% | 2,460 |
| Retained earnings to average equity (ytd only) | 3.2675% | 3,728 |
| Net charge-offs to loans | 0.0061% | 4,240 |
| Credit loss provision to net charge-offs | 3,766.6667% | 101 |
| Earnings coverage of net charge-offs (x) | 278.1667% | 260 |
| Efficiency ratio | 76.8644% | 2,138 |
| Assets per employee ($millions) | 3.4295% | 4,938 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 4,428 |
| Loan loss allowance to noncurrent loans | 224.6063% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 4,175 |
| Noncurrent loans to loans | 0.4596% | 3,826 |
| Net loans and leases to total assets | 66.4518% | 2,916 |
| Net loans and leases to deposits | 83.7360% | 2,391 |
| Net loans and leases to core deposits | 85.7088% | 2,814 |
| Total domestic deposits to total assets | 79.3588% | 4,895 |
| Equity capital to assets | 7.5211% | 5,978 |
| Core capital (leverage) ratio | 8.4018% | 5,523 |
| Tier 1 risk-based capital ratio | 12.3183% | 4,752 |
| Total risk-based capital ratio | 13.4316% | 4,741 |
| Memoranda: | ||
| Average total assets | $153,040,600 | 3,527 |
| Average earning assets | $143,863,200 | 3,489 |
| Average equity | $12,241,600 | 4,258 |
| Average total loans | $98,378,600 | 3,412 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5498% | 1,454 |
| Cost of funding earning assets | 0.2954% | 4,392 |
| Net interest margin | 4.2543% | 1,051 |
| Noninterest income to average assets | 0.7575% | 1,994 |
| Noninterest expense to average assets | 3.6408% | 1,057 |
| Loan and lease loss provision to assets | 0.1661% | 1,276 |
| Net operating income to assets | 0.6841% | 3,972 |
| Return on assets (ROA) | 0.7237% | 3,905 |
| Pretax return on assets | 1.0079% | 3,581 |
| Return on Equity (ROE) | 8.9020% | 2,632 |
| Retained earnings to average equity (ytd only) | 3.1676% | 4,207 |
| Net charge-offs to loans | -0.0028% | 4,745 |
| Credit loss provision to net charge-offs | -9,350.0000% | 5,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4925% | 2,161 |
| Assets per employee ($millions) | 3.0744% | 5,460 |
| Cash dividends to net income (ytd only)* | 64.4169% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 3,907 |
| Loan loss allowance to noncurrent loans | 2,413.0435% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 5,434 |
| Noncurrent loans to loans | 0.0478% | 5,424 |
| Net loans and leases to total assets | 64.4388% | 3,235 |
| Net loans and leases to deposits | 73.4054% | 3,604 |
| Net loans and leases to core deposits | 75.4886% | 3,858 |
| Total domestic deposits to total assets | 87.7849% | 1,664 |
| Equity capital to assets | 8.3567% | 5,797 |
| Core capital (leverage) ratio | 8.6112% | 5,449 |
| Tier 1 risk-based capital ratio | 13.3995% | 4,192 |
| Total risk-based capital ratio | 14.5948% | 4,144 |
| Memoranda: | ||
| Average total assets | $150,146,500 | 3,601 |
| Average earning assets | $141,249,000 | 3,558 |
| Average equity | $12,206,750 | 4,317 |
| Average total loans | $95,340,250 | 3,504 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 1,685 |
| Cost of funding earning assets | 0.2913% | 4,491 |
| Net interest margin | 4.1617% | 1,199 |
| Noninterest income to average assets | 0.7271% | 2,104 |
| Noninterest expense to average assets | 3.6250% | 1,081 |
| Loan and lease loss provision to assets | 0.1907% | 1,047 |
| Net operating income to assets | 0.6010% | 4,341 |
| Return on assets (ROA) | 0.6609% | 4,177 |
| Pretax return on assets | 0.9099% | 3,917 |
| Return on Equity (ROE) | 8.2039% | 2,940 |
| Retained earnings to average equity (ytd only) | 2.4497% | 4,493 |
| Net charge-offs to loans | -0.0126% | 5,002 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0662% | 2,062 |
| Assets per employee ($millions) | 3.3343% | 5,101 |
| Cash dividends to net income (ytd only)* | 70.1403% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 4,866 |
| Loan loss allowance to noncurrent loans | 442.5620% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 5,068 |
| Noncurrent loans to loans | 0.2264% | 4,867 |
| Net loans and leases to total assets | 67.5292% | 2,712 |
| Net loans and leases to deposits | 82.0883% | 2,540 |
| Net loans and leases to core deposits | 84.3994% | 2,939 |
| Total domestic deposits to total assets | 82.2641% | 4,204 |
| Equity capital to assets | 7.7602% | 6,060 |
| Core capital (leverage) ratio | 8.3103% | 5,708 |
| Tier 1 risk-based capital ratio | 12.8756% | 4,585 |
| Total risk-based capital ratio | 13.9964% | 4,572 |
| Memoranda: | ||
| Average total assets | $151,005,000 | 3,617 |
| Average earning assets | $142,105,670 | 3,566 |
| Average equity | $12,165,000 | 4,353 |
| Average total loans | $95,052,670 | 3,535 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4014% | 1,763 |
| Cost of funding earning assets | 0.2925% | 4,529 |
| Net interest margin | 4.1089% | 1,256 |
| Noninterest income to average assets | 0.7236% | 2,050 |
| Noninterest expense to average assets | 3.6881% | 1,027 |
| Loan and lease loss provision to assets | 0.1944% | 957 |
| Net operating income to assets | 0.5275% | 4,555 |
| Return on assets (ROA) | 0.5994% | 4,392 |
| Pretax return on assets | 0.8073% | 4,211 |
| Return on Equity (ROE) | 7.2984% | 3,334 |
| Retained earnings to average equity (ytd only) | 1.5452% | 4,858 |
| Net charge-offs to loans | -0.0135% | 4,857 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3057% | 1,859 |
| Assets per employee ($millions) | 3.0703% | 5,582 |
| Cash dividends to net income (ytd only)* | 78.8288% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 4,850 |
| Loan loss allowance to noncurrent loans | 538.3784% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1681% | 5,280 |
| Noncurrent loans to loans | 0.1919% | 5,096 |
| Net loans and leases to total assets | 62.1357% | 3,347 |
| Net loans and leases to deposits | 72.7645% | 3,462 |
| Net loans and leases to core deposits | 74.7617% | 3,710 |
| Total domestic deposits to total assets | 85.3929% | 3,224 |
| Equity capital to assets | 8.0038% | 6,030 |
| Core capital (leverage) ratio | 8.4680% | 5,550 |
| Tier 1 risk-based capital ratio | 12.8104% | 4,719 |
| Total risk-based capital ratio | 13.8647% | 4,751 |
| Memoranda: | ||
| Average total assets | $148,152,500 | 3,683 |
| Average earning assets | $139,500,500 | 3,634 |
| Average equity | $12,167,000 | 4,387 |
| Average total loans | $89,131,000 | 3,667 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7346% | 1,227 |
| Cost of funding earning assets | 0.3358% | 4,420 |
| Net interest margin | 4.3988% | 889 |
| Noninterest income to average assets | 0.8594% | 1,645 |
| Noninterest expense to average assets | 4.3092% | 539 |
| Loan and lease loss provision to assets | 0.1124% | 2,295 |
| Net operating income to assets | 0.4146% | 5,178 |
| Return on assets (ROA) | 0.5537% | 4,676 |
| Pretax return on assets | 0.7088% | 4,590 |
| Return on Equity (ROE) | 6.2285% | 4,033 |
| Retained earnings to average equity (ytd only) | 0.5984% | 5,505 |
| Net charge-offs to loans | 0.4893% | 848 |
| Credit loss provision to net charge-offs | 39.5778% | 3,681 |
| Earnings coverage of net charge-offs (x) | 2.2639% | 4,208 |
| Efficiency ratio | 87.0177% | 1,077 |
| Assets per employee ($millions) | 2.7998% | 5,929 |
| Cash dividends to net income (ytd only)* | 90.3924% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 4,421 |
| Loan loss allowance to noncurrent loans | 375.9184% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 4,893 |
| Noncurrent loans to loans | 0.2992% | 4,771 |
| Net loans and leases to total assets | 56.6969% | 4,240 |
| Net loans and leases to deposits | 63.7299% | 4,552 |
| Net loans and leases to core deposits | 65.4365% | 4,715 |
| Total domestic deposits to total assets | 88.9643% | 1,261 |
| Equity capital to assets | 8.4368% | 5,802 |
| Core capital (leverage) ratio | 8.4075% | 5,655 |
| Tier 1 risk-based capital ratio | 13.1082% | 4,647 |
| Total risk-based capital ratio | 14.1493% | 4,708 |
| Memoranda: | ||
| Average total assets | $133,460,000 | 3,911 |
| Average earning assets | $124,171,000 | 3,880 |
| Average equity | $11,864,800 | 4,384 |
| Average total loans | $77,450,000 | 3,955 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8339% | 1,050 |
| Cost of funding earning assets | 0.3399% | 4,461 |
| Net interest margin | 4.4940% | 744 |
| Noninterest income to average assets | 0.8561% | 1,675 |
| Noninterest expense to average assets | 4.2777% | 568 |
| Loan and lease loss provision to assets | 0.1220% | 2,047 |
| Net operating income to assets | 0.4802% | 4,946 |
| Return on assets (ROA) | 0.6274% | 4,416 |
| Pretax return on assets | 0.8155% | 4,312 |
| Return on Equity (ROE) | 6.9603% | 3,724 |
| Retained earnings to average equity (ytd only) | 1.0378% | 5,468 |
| Net charge-offs to loans | 0.6514% | 548 |
| Credit loss provision to net charge-offs | 32.1716% | 3,421 |
| Earnings coverage of net charge-offs (x) | 1.9678% | 4,030 |
| Efficiency ratio | 85.1447% | 1,274 |
| Assets per employee ($millions) | 2.4668% | 6,245 |
| Cash dividends to net income (ytd only)* | 85.0884% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 4,455 |
| Loan loss allowance to noncurrent loans | 400.4464% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 4,975 |
| Noncurrent loans to loans | 0.2892% | 5,046 |
| Net loans and leases to total assets | 57.4823% | 4,138 |
| Net loans and leases to deposits | 64.1637% | 4,518 |
| Net loans and leases to core deposits | 65.8556% | 4,725 |
| Total domestic deposits to total assets | 89.5870% | 943 |
| Equity capital to assets | 9.0025% | 5,350 |
| Core capital (leverage) ratio | 8.5303% | 5,626 |
| Tier 1 risk-based capital ratio | 13.7496% | 4,388 |
| Total risk-based capital ratio | 14.8115% | 4,442 |
| Memoranda: | ||
| Average total assets | $131,127,250 | 3,984 |
| Average earning assets | $121,611,000 | 3,954 |
| Average equity | $11,819,250 | 4,419 |
| Average total loans | $76,342,750 | 4,020 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8473% | 994 |
| Cost of funding earning assets | 0.3291% | 4,654 |
| Net interest margin | 4.5182% | 681 |
| Noninterest income to average assets | 0.8525% | 1,647 |
| Noninterest expense to average assets | 4.2106% | 588 |
| Loan and lease loss provision to assets | 0.1380% | 1,797 |
| Net operating income to assets | 0.5328% | 4,681 |
| Return on assets (ROA) | 0.6532% | 4,175 |
| Pretax return on assets | 0.8495% | 4,080 |
| Return on Equity (ROE) | 7.2439% | 3,490 |
| Retained earnings to average equity (ytd only) | 1.2923% | 5,225 |
| Net charge-offs to loans | 0.7477% | 511 |
| Credit loss provision to net charge-offs | 31.6901% | 3,035 |
| Earnings coverage of net charge-offs (x) | 1.9085% | 3,688 |
| Efficiency ratio | 83.5158% | 1,566 |
| Assets per employee ($millions) | 2.5919% | 6,221 |
| Cash dividends to net income (ytd only)* | 82.1596% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 4,574 |
| Loan loss allowance to noncurrent loans | 190.4382% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.4981% | 4,516 |
| Noncurrent loans to loans | 0.6135% | 4,184 |
| Net loans and leases to total assets | 56.7281% | 4,153 |
| Net loans and leases to deposits | 70.3607% | 3,775 |
| Net loans and leases to core deposits | 71.8722% | 4,061 |
| Total domestic deposits to total assets | 80.6246% | 5,091 |
| Equity capital to assets | 8.4264% | 5,860 |
| Core capital (leverage) ratio | 8.9125% | 5,144 |
| Tier 1 risk-based capital ratio | 13.2723% | 4,742 |
| Total risk-based capital ratio | 14.3624% | 4,774 |
| Memoranda: | ||
| Average total assets | $130,433,670 | 4,027 |
| Average earning assets | $120,933,330 | 3,987 |
| Average equity | $11,761,670 | 4,442 |
| Average total loans | $75,967,670 | 4,044 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9929% | 726 |
| Cost of funding earning assets | 0.3435% | 4,606 |
| Net interest margin | 4.6494% | 509 |
| Noninterest income to average assets | 0.8812% | 1,449 |
| Noninterest expense to average assets | 4.2999% | 553 |
| Loan and lease loss provision to assets | 0.1930% | 1,225 |
| Net operating income to assets | 0.5471% | 4,470 |
| Return on assets (ROA) | 0.6850% | 3,835 |
| Pretax return on assets | 0.8748% | 3,810 |
| Return on Equity (ROE) | 7.3218% | 3,301 |
| Retained earnings to average equity (ytd only) | 1.3062% | 5,093 |
| Net charge-offs to loans | 0.0219% | 3,142 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 69.2500% | 595 |
| Efficiency ratio | 82.8377% | 1,820 |
| Assets per employee ($millions) | 2.5458% | 6,342 |
| Cash dividends to net income (ytd only)* | 82.1596% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7526% | 2,194 |
| Loan loss allowance to noncurrent loans | 186.1111% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 4,245 |
| Noncurrent loans to loans | 0.9417% | 3,534 |
| Net loans and leases to total assets | 54.1962% | 4,386 |
| Net loans and leases to deposits | 60.0983% | 4,751 |
| Net loans and leases to core deposits | 61.1380% | 4,952 |
| Total domestic deposits to total assets | 90.1792% | 980 |
| Equity capital to assets | 9.4761% | 4,529 |
| Core capital (leverage) ratio | 9.4118% | 4,403 |
| Tier 1 risk-based capital ratio | 14.8077% | 3,809 |
| Total risk-based capital ratio | 16.0616% | 3,763 |
| Memoranda: | ||
| Average total assets | $124,374,500 | 4,187 |
| Average earning assets | $115,283,000 | 4,153 |
| Average equity | $11,636,500 | 4,486 |
| Average total loans | $73,040,000 | 4,163 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9911% | 932 |
| Cost of funding earning assets | 0.3372% | 5,268 |
| Net interest margin | 4.6539% | 548 |
| Noninterest income to average assets | 0.8763% | 1,766 |
| Noninterest expense to average assets | 4.1017% | 775 |
| Loan and lease loss provision to assets | 0.3121% | 1,065 |
| Net operating income to assets | 0.5729% | 4,396 |
| Return on assets (ROA) | 0.6627% | 4,069 |
| Pretax return on assets | 0.8787% | 3,856 |
| Return on Equity (ROE) | 7.0859% | 3,520 |
| Retained earnings to average equity (ytd only) | 1.8199% | 4,941 |
| Net charge-offs to loans | 0.1436% | 3,365 |
| Credit loss provision to net charge-offs | 347.3684% | 655 |
| Earnings coverage of net charge-offs (x) | 11.9211% | 2,185 |
| Efficiency ratio | 79.2962% | 2,269 |
| Assets per employee ($millions) | 2.5834% | 6,335 |
| Cash dividends to net income (ytd only)* | 74.3163% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 3,252 |
| Loan loss allowance to noncurrent loans | 350.6098% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 5,255 |
| Noncurrent loans to loans | 0.4245% | 4,930 |
| Net loans and leases to total assets | 61.3827% | 3,468 |
| Net loans and leases to deposits | 69.3802% | 3,859 |
| Net loans and leases to core deposits | 70.4448% | 4,250 |
| Total domestic deposits to total assets | 88.4730% | 1,916 |
| Equity capital to assets | 9.2352% | 4,767 |
| Core capital (leverage) ratio | 9.3220% | 4,514 |
| Tier 1 risk-based capital ratio | 14.3041% | 4,081 |
| Total risk-based capital ratio | 15.5556% | 4,022 |
| Memoranda: | ||
| Average total assets | $126,897,600 | 4,129 |
| Average earning assets | $117,148,800 | 4,104 |
| Average equity | $11,868,600 | 4,467 |
| Average total loans | $79,382,000 | 3,954 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0254% | 893 |
| Cost of funding earning assets | 0.3366% | 5,418 |
| Net interest margin | 4.6888% | 526 |
| Noninterest income to average assets | 0.8650% | 1,875 |
| Noninterest expense to average assets | 4.0097% | 848 |
| Loan and lease loss provision to assets | 0.2674% | 1,317 |
| Net operating income to assets | 0.6045% | 4,329 |
| Return on assets (ROA) | 0.7010% | 3,989 |
| Pretax return on assets | 1.0562% | 3,275 |
| Return on Equity (ROE) | 7.4723% | 3,396 |
| Retained earnings to average equity (ytd only) | 2.4611% | 4,857 |
| Net charge-offs to loans | -0.0634% | 6,378 |
| Credit loss provision to net charge-offs | -673.6842% | 6,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3011% | 2,512 |
| Assets per employee ($millions) | 2.7511% | 6,218 |
| Cash dividends to net income (ytd only)* | 67.0650% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7430% | 2,480 |
| Loan loss allowance to noncurrent loans | 384.7682% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 5,413 |
| Noncurrent loans to loans | 0.4530% | 5,059 |
| Net loans and leases to total assets | 55.3737% | 4,406 |
| Net loans and leases to deposits | 61.7597% | 4,793 |
| Net loans and leases to core deposits | 62.7380% | 5,038 |
| Total domestic deposits to total assets | 89.6600% | 1,189 |
| Equity capital to assets | 9.8480% | 4,108 |
| Core capital (leverage) ratio | 9.3857% | 4,547 |
| Tier 1 risk-based capital ratio | 15.6253% | 3,385 |
| Total risk-based capital ratio | 16.8799% | 3,348 |
| Memoranda: | ||
| Average total assets | $127,621,000 | 4,168 |
| Average earning assets | $117,639,750 | 4,135 |
| Average equity | $11,972,750 | 4,498 |
| Average total loans | $79,910,750 | 3,973 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9647% | 967 |
| Cost of funding earning assets | 0.3293% | 5,572 |
| Net interest margin | 4.6354% | 566 |
| Noninterest income to average assets | 0.8246% | 2,089 |
| Noninterest expense to average assets | 3.8660% | 1,019 |
| Loan and lease loss provision to assets | 0.2999% | 1,204 |
| Net operating income to assets | 0.6252% | 4,178 |
| Return on assets (ROA) | 0.7221% | 3,878 |
| Pretax return on assets | 1.0908% | 3,127 |
| Return on Equity (ROE) | 7.8144% | 3,180 |
| Retained earnings to average equity (ytd only) | 3.2615% | 4,228 |
| Net charge-offs to loans | -0.0569% | 6,313 |
| Credit loss provision to net charge-offs | -816.6667% | 5,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6587% | 2,838 |
| Assets per employee ($millions) | 2.8799% | 6,054 |
| Cash dividends to net income (ytd only)* | 58.2627% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 4,802 |
| Loan loss allowance to noncurrent loans | 211.6732% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.4725% | 5,090 |
| Noncurrent loans to loans | 0.5842% | 4,795 |
| Net loans and leases to total assets | 65.5950% | 2,662 |
| Net loans and leases to deposits | 84.2736% | 1,765 |
| Net loans and leases to core deposits | 85.6440% | 2,367 |
| Total domestic deposits to total assets | 77.8358% | 6,007 |
| Equity capital to assets | 8.9413% | 5,278 |
| Core capital (leverage) ratio | 9.0277% | 4,942 |
| Tier 1 risk-based capital ratio | 13.3039% | 4,915 |
| Total risk-based capital ratio | 14.5546% | 4,856 |
| Memoranda: | ||
| Average total assets | $130,728,670 | 4,123 |
| Average earning assets | $120,852,670 | 4,107 |
| Average equity | $12,080,330 | 4,518 |
| Average total loans | $84,325,000 | 3,869 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9469% | 981 |
| Cost of funding earning assets | 0.3285% | 5,731 |
| Net interest margin | 4.6185% | 546 |
| Noninterest income to average assets | 0.8009% | 2,118 |
| Noninterest expense to average assets | 3.9428% | 951 |
| Loan and lease loss provision to assets | 0.1848% | 1,998 |
| Net operating income to assets | 0.6353% | 4,051 |
| Return on assets (ROA) | 0.7085% | 3,786 |
| Pretax return on assets | 1.0720% | 3,066 |
| Return on Equity (ROE) | 7.5422% | 3,203 |
| Retained earnings to average equity (ytd only) | 4.2630% | 3,671 |
| Net charge-offs to loans | 0.0339% | 3,554 |
| Credit loss provision to net charge-offs | 857.1429% | 352 |
| Earnings coverage of net charge-offs (x) | 53.1429% | 642 |
| Efficiency ratio | 77.4818% | 2,696 |
| Assets per employee ($millions) | 2.7771% | 6,307 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 5,443 |
| Loan loss allowance to noncurrent loans | 361.1765% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 5,581 |
| Noncurrent loans to loans | 0.3158% | 5,611 |
| Net loans and leases to total assets | 61.1653% | 3,229 |
| Net loans and leases to deposits | 76.4222% | 2,564 |
| Net loans and leases to core deposits | 77.4438% | 3,138 |
| Total domestic deposits to total assets | 80.0360% | 5,744 |
| Equity capital to assets | 9.4304% | 4,955 |
| Core capital (leverage) ratio | 9.3633% | 4,298 |
| Tier 1 risk-based capital ratio | 14.1229% | 4,412 |
| Total risk-based capital ratio | 15.2268% | 4,482 |
| Memoranda: | ||
| Average total assets | $129,855,500 | 4,183 |
| Average earning assets | $120,559,500 | 4,141 |
| Average equity | $12,198,000 | 4,539 |
| Average total loans | $82,495,000 | 3,937 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0513% | 1,427 |
| Cost of funding earning assets | 0.3770% | 6,069 |
| Net interest margin | 4.6742% | 683 |
| Noninterest income to average assets | 0.8206% | 2,178 |
| Noninterest expense to average assets | 4.3300% | 659 |
| Loan and lease loss provision to assets | 0.2596% | 2,571 |
| Net operating income to assets | 0.6889% | 3,789 |
| Return on assets (ROA) | 0.7408% | 3,797 |
| Pretax return on assets | 0.6152% | 4,950 |
| Return on Equity (ROE) | 8.1751% | 3,014 |
| Retained earnings to average equity (ytd only) | 6.8497% | 1,641 |
| Net charge-offs to loans | 0.5195% | 2,167 |
| Credit loss provision to net charge-offs | 76.8349% | 3,935 |
| Earnings coverage of net charge-offs (x) | 2.4358% | 4,193 |
| Efficiency ratio | 84.0301% | 1,632 |
| Assets per employee ($millions) | 2.7486% | 6,371 |
| Cash dividends to net income (ytd only)* | 16.2134% | 3,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 5,851 |
| Loan loss allowance to noncurrent loans | 586.4865% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 5,902 |
| Noncurrent loans to loans | 0.1757% | 6,039 |
| Net loans and leases to total assets | 64.5310% | 2,805 |
| Net loans and leases to deposits | 77.4300% | 2,596 |
| Net loans and leases to core deposits | 78.6188% | 3,182 |
| Total domestic deposits to total assets | 83.3411% | 4,589 |
| Equity capital to assets | 9.3563% | 5,063 |
| Core capital (leverage) ratio | 9.3126% | 4,396 |
| Tier 1 risk-based capital ratio | 13.7097% | 4,597 |
| Total risk-based capital ratio | 14.7291% | 4,722 |
| Memoranda: | ||
| Average total assets | $129,053,400 | 4,163 |
| Average earning assets | $119,613,200 | 4,115 |
| Average equity | $11,694,000 | 4,635 |
| Average total loans | $83,918,800 | 3,910 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0719% | 1,494 |
| Cost of funding earning assets | 0.3840% | 6,204 |
| Net interest margin | 4.6880% | 686 |
| Noninterest income to average assets | 0.8092% | 2,199 |
| Noninterest expense to average assets | 4.3620% | 622 |
| Loan and lease loss provision to assets | 0.1860% | 3,263 |
| Net operating income to assets | 0.6014% | 4,387 |
| Return on assets (ROA) | 0.6386% | 4,446 |
| Pretax return on assets | 0.6386% | 5,054 |
| Return on Equity (ROE) | 7.1059% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.1861% | 2,575 |
| Net charge-offs to loans | 0.4691% | 2,226 |
| Credit loss provision to net charge-offs | 61.0169% | 4,125 |
| Earnings coverage of net charge-offs (x) | 2.5831% | 4,008 |
| Efficiency ratio | 84.7080% | 1,507 |
| Assets per employee ($millions) | 2.4139% | 6,770 |
| Cash dividends to net income (ytd only)* | 12.9445% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 6,022 |
| Loan loss allowance to noncurrent loans | 119.7756% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.6931% | 4,953 |
| Noncurrent loans to loans | 0.8484% | 4,716 |
| Net loans and leases to total assets | 66.2699% | 2,605 |
| Net loans and leases to deposits | 75.5792% | 3,042 |
| Net loans and leases to core deposits | 76.7111% | 3,643 |
| Total domestic deposits to total assets | 87.6827% | 2,237 |
| Equity capital to assets | 9.4827% | 5,228 |
| Core capital (leverage) ratio | 8.5698% | 5,667 |
| Tier 1 risk-based capital ratio | 13.7455% | 4,726 |
| Total risk-based capital ratio | 14.7848% | 4,819 |
| Memoranda: | ||
| Average total assets | $129,020,250 | 4,209 |
| Average earning assets | $119,452,000 | 4,166 |
| Average equity | $11,595,750 | 4,696 |
| Average total loans | $83,840,250 | 3,958 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9824% | 1,832 |
| Cost of funding earning assets | 0.3902% | 6,325 |
| Net interest margin | 4.5922% | 839 |
| Noninterest income to average assets | 0.8065% | 2,153 |
| Noninterest expense to average assets | 4.3399% | 629 |
| Loan and lease loss provision to assets | 0.1844% | 3,262 |
| Net operating income to assets | 0.5315% | 4,667 |
| Return on assets (ROA) | 0.5869% | 4,685 |
| Pretax return on assets | 0.5869% | 5,188 |
| Return on Equity (ROE) | 6.6473% | 3,968 |
| Retained earnings to average equity (ytd only) | 5.9513% | 2,737 |
| Net charge-offs to loans | 0.5181% | 2,035 |
| Credit loss provision to net charge-offs | 55.2995% | 3,924 |
| Earnings coverage of net charge-offs (x) | 2.1475% | 3,911 |
| Efficiency ratio | 85.8402% | 1,452 |
| Assets per employee ($millions) | 2.4331% | 6,809 |
| Cash dividends to net income (ytd only)* | 10.4712% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 6,180 |
| Loan loss allowance to noncurrent loans | 131.5234% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.6195% | 5,224 |
| Noncurrent loans to loans | 0.7569% | 4,998 |
| Net loans and leases to total assets | 64.8065% | 2,874 |
| Net loans and leases to deposits | 76.3601% | 2,935 |
| Net loans and leases to core deposits | 77.4657% | 3,595 |
| Total domestic deposits to total assets | 84.8696% | 3,918 |
| Equity capital to assets | 8.7526% | 5,964 |
| Core capital (leverage) ratio | 8.6646% | 5,428 |
| Tier 1 risk-based capital ratio | 13.5897% | 4,753 |
| Total risk-based capital ratio | 14.6526% | 4,858 |
| Memoranda: | ||
| Average total assets | $130,186,000 | 4,205 |
| Average earning assets | $120,464,330 | 4,156 |
| Average equity | $11,493,330 | 4,717 |
| Average total loans | $83,774,330 | 3,986 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9571% | 2,047 |
| Cost of funding earning assets | 0.4018% | 6,403 |
| Net interest margin | 4.5553% | 903 |
| Noninterest income to average assets | 0.7510% | 2,395 |
| Noninterest expense to average assets | 4.3531% | 626 |
| Loan and lease loss provision to assets | 0.1870% | 3,088 |
| Net operating income to assets | 0.4144% | 5,198 |
| Return on assets (ROA) | 0.4830% | 5,097 |
| Pretax return on assets | 0.4830% | 5,479 |
| Return on Equity (ROE) | 5.4465% | 4,572 |
| Retained earnings to average equity (ytd only) | 5.4465% | 3,292 |
| Net charge-offs to loans | 0.7036% | 1,420 |
| Credit loss provision to net charge-offs | 41.6667% | 3,428 |
| Earnings coverage of net charge-offs (x) | 1.3403% | 3,662 |
| Efficiency ratio | 87.8616% | 1,297 |
| Assets per employee ($millions) | 2.6043% | 6,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 5,867 |
| Loan loss allowance to noncurrent loans | 61.4157% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 2.0930% | 2,787 |
| Noncurrent loans to loans | 1.8084% | 3,399 |
| Net loans and leases to total assets | 61.7476% | 3,303 |
| Net loans and leases to deposits | 71.2582% | 3,546 |
| Net loans and leases to core deposits | 72.3156% | 4,100 |
| Total domestic deposits to total assets | 86.6534% | 3,145 |
| Equity capital to assets | 9.0234% | 5,456 |
| Core capital (leverage) ratio | 8.7217% | 5,261 |
| Tier 1 risk-based capital ratio | 12.7537% | 5,399 |
| Total risk-based capital ratio | 13.7788% | 5,546 |
| Memoranda: | ||
| Average total assets | $128,367,500 | 4,271 |
| Average earning assets | $118,455,500 | 4,237 |
| Average equity | $11,383,500 | 4,752 |
| Average total loans | $81,862,500 | 4,068 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2978% | 1,704 |
| Cost of funding earning assets | 0.5051% | 6,506 |
| Net interest margin | 4.7928% | 637 |
| Noninterest income to average assets | 1.0032% | 1,360 |
| Noninterest expense to average assets | 4.7559% | 473 |
| Loan and lease loss provision to assets | 0.1936% | 4,247 |
| Net operating income to assets | 0.5519% | 4,222 |
| Return on assets (ROA) | 0.6375% | 3,995 |
| Pretax return on assets | 0.5321% | 4,895 |
| Return on Equity (ROE) | 7.1188% | 3,344 |
| Retained earnings to average equity (ytd only) | 7.1188% | 1,440 |
| Net charge-offs to loans | 0.2457% | 4,243 |
| Credit loss provision to net charge-offs | 125.6684% | 2,489 |
| Earnings coverage of net charge-offs (x) | 4.1551% | 3,242 |
| Efficiency ratio | 88.1392% | 1,353 |
| Assets per employee ($millions) | 2.4363% | 6,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 5,616 |
| Loan loss allowance to noncurrent loans | 93.4426% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.9633% | 3,017 |
| Noncurrent loans to loans | 1.2339% | 4,303 |
| Net loans and leases to total assets | 64.3368% | 3,110 |
| Net loans and leases to deposits | 75.1601% | 3,316 |
| Net loans and leases to core deposits | 76.2725% | 3,948 |
| Total domestic deposits to total assets | 85.5997% | 3,536 |
| Equity capital to assets | 8.7142% | 5,882 |
| Core capital (leverage) ratio | 8.7963% | 5,109 |
| Tier 1 risk-based capital ratio | 14.0220% | 4,313 |
| Total risk-based capital ratio | 15.2412% | 4,287 |
| Memoranda: | ||
| Average total assets | $121,408,000 | 4,360 |
| Average earning assets | $111,272,000 | 4,364 |
| Average equity | $10,872,600 | 4,813 |
| Average total loans | $76,122,400 | 4,265 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3722% | 1,596 |
| Cost of funding earning assets | 0.5177% | 6,635 |
| Net interest margin | 4.8545% | 562 |
| Noninterest income to average assets | 1.0054% | 1,325 |
| Noninterest expense to average assets | 4.9090% | 407 |
| Loan and lease loss provision to assets | 0.1283% | 4,828 |
| Net operating income to assets | 0.4151% | 4,930 |
| Return on assets (ROA) | 0.5312% | 4,590 |
| Pretax return on assets | 0.5312% | 5,037 |
| Return on Equity (ROE) | 5.8885% | 4,076 |
| Retained earnings to average equity (ytd only) | 5.8885% | 2,624 |
| Net charge-offs to loans | 0.2751% | 3,711 |
| Credit loss provision to net charge-offs | 75.1634% | 4,309 |
| Earnings coverage of net charge-offs (x) | 3.1831% | 3,547 |
| Efficiency ratio | 90.0327% | 1,162 |
| Assets per employee ($millions) | 2.2750% | 7,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 5,801 |
| Loan loss allowance to noncurrent loans | 84.8223% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 2.1091% | 3,022 |
| Noncurrent loans to loans | 1.3237% | 4,326 |
| Net loans and leases to total assets | 63.2975% | 3,455 |
| Net loans and leases to deposits | 71.2756% | 4,099 |
| Net loans and leases to core deposits | 72.3425% | 4,671 |
| Total domestic deposits to total assets | 88.8067% | 1,541 |
| Equity capital to assets | 9.0134% | 5,744 |
| Core capital (leverage) ratio | 8.9856% | 4,959 |
| Tier 1 risk-based capital ratio | 14.6445% | 3,875 |
| Total risk-based capital ratio | 15.8617% | 3,872 |
| Memoranda: | ||
| Average total assets | $119,479,500 | 4,443 |
| Average earning assets | $109,449,000 | 4,436 |
| Average equity | $10,777,750 | 4,853 |
| Average total loans | $74,142,500 | 4,382 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4220% | 1,497 |
| Cost of funding earning assets | 0.5193% | 6,780 |
| Net interest margin | 4.9027% | 489 |
| Noninterest income to average assets | 0.9919% | 1,344 |
| Noninterest expense to average assets | 5.0509% | 356 |
| Loan and lease loss provision to assets | 0.1014% | 5,045 |
| Net operating income to assets | 0.3228% | 5,279 |
| Return on assets (ROA) | 0.3650% | 5,244 |
| Pretax return on assets | 0.3650% | 5,499 |
| Return on Equity (ROE) | 4.0452% | 4,923 |
| Retained earnings to average equity (ytd only) | 4.0452% | 3,630 |
| Net charge-offs to loans | 0.3662% | 3,087 |
| Credit loss provision to net charge-offs | 45.1128% | 4,705 |
| Earnings coverage of net charge-offs (x) | 1.8872% | 3,920 |
| Efficiency ratio | 92.2531% | 1,081 |
| Assets per employee ($millions) | 2.2226% | 7,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 5,385 |
| Loan loss allowance to noncurrent loans | 139.0164% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 1.8113% | 3,490 |
| Noncurrent loans to loans | 0.8887% | 5,194 |
| Net loans and leases to total assets | 56.4850% | 4,902 |
| Net loans and leases to deposits | 65.6426% | 5,052 |
| Net loans and leases to core deposits | 66.3538% | 5,469 |
| Total domestic deposits to total assets | 86.0493% | 3,302 |
| Equity capital to assets | 9.0724% | 5,478 |
| Core capital (leverage) ratio | 9.0320% | 4,667 |
| Tier 1 risk-based capital ratio | 15.3338% | 3,335 |
| Total risk-based capital ratio | 16.5831% | 3,281 |
| Memoranda: | ||
| Average total assets | $118,356,000 | 4,505 |
| Average earning assets | $108,225,670 | 4,502 |
| Average equity | $10,679,330 | 4,876 |
| Average total loans | $72,642,000 | 4,484 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4224% | 1,494 |
| Cost of funding earning assets | 0.5288% | 6,870 |
| Net interest margin | 4.8936% | 473 |
| Noninterest income to average assets | 0.9632% | 1,425 |
| Noninterest expense to average assets | 5.0544% | 351 |
| Loan and lease loss provision to assets | 0.1021% | 4,731 |
| Net operating income to assets | 0.2791% | 5,505 |
| Return on assets (ROA) | 0.2927% | 5,522 |
| Pretax return on assets | 0.2927% | 5,677 |
| Return on Equity (ROE) | 3.2531% | 5,262 |
| Retained earnings to average equity (ytd only) | 3.2531% | 4,228 |
| Net charge-offs to loans | 0.1661% | 3,482 |
| Credit loss provision to net charge-offs | 96.7742% | 2,818 |
| Earnings coverage of net charge-offs (x) | 3.6129% | 2,692 |
| Efficiency ratio | 92.9869% | 1,101 |
| Assets per employee ($millions) | 2.3333% | 7,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 5,170 |
| Loan loss allowance to noncurrent loans | 97.8723% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 2.6015% | 2,636 |
| Noncurrent loans to loans | 1.3203% | 4,493 |
| Net loans and leases to total assets | 60.2383% | 4,220 |
| Net loans and leases to deposits | 66.6784% | 4,881 |
| Net loans and leases to core deposits | 67.0000% | 5,399 |
| Total domestic deposits to total assets | 90.3416% | 938 |
| Equity capital to assets | 9.1116% | 5,025 |
| Core capital (leverage) ratio | 8.8749% | 4,815 |
| Tier 1 risk-based capital ratio | 15.2781% | 3,270 |
| Total risk-based capital ratio | 16.5290% | 3,231 |
| Memoranda: | ||
| Average total assets | $117,522,500 | 4,548 |
| Average earning assets | $107,406,000 | 4,541 |
| Average equity | $10,574,500 | 4,900 |
| Average total loans | $74,641,500 | 4,439 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9105% | 1,021 |
| Cost of funding earning assets | 0.6364% | 7,043 |
| Net interest margin | 5.2741% | 250 |
| Noninterest income to average assets | 1.0966% | 1,239 |
| Noninterest expense to average assets | 5.4266% | 318 |
| Loan and lease loss provision to assets | -0.1125% | 7,606 |
| Net operating income to assets | 0.7677% | 2,926 |
| Return on assets (ROA) | 0.8508% | 2,724 |
| Pretax return on assets | 0.6855% | 4,024 |
| Return on Equity (ROE) | 9.9415% | 1,950 |
| Retained earnings to average equity (ytd only) | 9.9415% | 537 |
| Net charge-offs to loans | 0.0507% | 6,288 |
| Credit loss provision to net charge-offs | -371.4286% | 7,097 |
| Earnings coverage of net charge-offs (x) | 16.1714% | 1,228 |
| Efficiency ratio | 91.7203% | 1,201 |
| Assets per employee ($millions) | 2.4159% | 7,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 5,608 |
| Loan loss allowance to noncurrent loans | 70.6830% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 2.6263% | 2,651 |
| Noncurrent loans to loans | 1.6687% | 3,996 |
| Net loans and leases to total assets | 65.1842% | 3,629 |
| Net loans and leases to deposits | 75.4803% | 3,921 |
| Net loans and leases to core deposits | 75.6690% | 4,761 |
| Total domestic deposits to total assets | 86.3592% | 3,159 |
| Equity capital to assets | 8.8858% | 5,309 |
| Core capital (leverage) ratio | 8.7649% | 4,908 |
| Tier 1 risk-based capital ratio | 14.5443% | 3,512 |
| Total risk-based capital ratio | 15.7961% | 3,473 |
| Memoranda: | ||
| Average total assets | $115,542,400 | 4,582 |
| Average earning assets | $105,591,400 | 4,576 |
| Average equity | $9,887,800 | 5,164 |
| Average total loans | $68,981,400 | 4,718 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0600% | 825 |
| Cost of funding earning assets | 0.6623% | 7,152 |
| Net interest margin | 5.3977% | 207 |
| Noninterest income to average assets | 1.2017% | 965 |
| Noninterest expense to average assets | 5.5209% | 269 |
| Loan and lease loss provision to assets | -0.1509% | 7,706 |
| Net operating income to assets | 0.7524% | 3,207 |
| Return on assets (ROA) | 0.8348% | 2,991 |
| Pretax return on assets | 0.8348% | 3,785 |
| Return on Equity (ROE) | 9.8524% | 2,180 |
| Retained earnings to average equity (ytd only) | 9.8524% | 826 |
| Net charge-offs to loans | 0.0420% | 6,123 |
| Credit loss provision to net charge-offs | -619.0476% | 7,041 |
| Earnings coverage of net charge-offs (x) | 24.6661% | 1,015 |
| Efficiency ratio | 90.1764% | 1,274 |
| Assets per employee ($millions) | 2.2669% | 7,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 4,549 |
| Loan loss allowance to noncurrent loans | 55.1297% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 2.8449% | 2,548 |
| Noncurrent loans to loans | 2.5131% | 3,104 |
| Net loans and leases to total assets | 57.5650% | 5,327 |
| Net loans and leases to deposits | 63.6581% | 5,956 |
| Net loans and leases to core deposits | 63.8138% | 6,317 |
| Total domestic deposits to total assets | 90.4283% | 669 |
| Equity capital to assets | 9.0527% | 5,502 |
| Core capital (leverage) ratio | 8.8420% | 4,937 |
| Tier 1 risk-based capital ratio | 14.7559% | 3,364 |
| Total risk-based capital ratio | 15.8683% | 3,417 |
| Memoranda: | ||
| Average total assets | $114,833,000 | 4,659 |
| Average earning assets | $104,683,750 | 4,649 |
| Average equity | $9,730,000 | 5,277 |
| Average total loans | $66,705,250 | 4,878 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1074% | 745 |
| Cost of funding earning assets | 0.6901% | 7,210 |
| Net interest margin | 5.4172% | 192 |
| Noninterest income to average assets | 1.3703% | 671 |
| Noninterest expense to average assets | 5.5458% | 270 |
| Loan and lease loss provision to assets | -0.2269% | 7,783 |
| Net operating income to assets | 0.9706% | 2,295 |
| Return on assets (ROA) | 1.0875% | 1,965 |
| Pretax return on assets | 1.0875% | 2,817 |
| Return on Equity (ROE) | 13.1370% | 1,204 |
| Retained earnings to average equity (ytd only) | 13.1370% | 367 |
| Net charge-offs to loans | 0.0211% | 6,045 |
| Credit loss provision to net charge-offs | -1,857.1429% | 6,963 |
| Earnings coverage of net charge-offs (x) | 60.8571% | 508 |
| Efficiency ratio | 88.1765% | 1,492 |
| Assets per employee ($millions) | 2.0826% | 7,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 4,541 |
| Loan loss allowance to noncurrent loans | 43.7327% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 3.3753% | 2,083 |
| Noncurrent loans to loans | 3.1506% | 2,543 |
| Net loans and leases to total assets | 60.3985% | 4,988 |
| Net loans and leases to deposits | 66.7518% | 5,717 |
| Net loans and leases to core deposits | 66.9189% | 6,163 |
| Total domestic deposits to total assets | 90.4822% | 690 |
| Equity capital to assets | 9.0119% | 5,428 |
| Core capital (leverage) ratio | 8.5487% | 5,327 |
| Tier 1 risk-based capital ratio | 14.5433% | 3,422 |
| Total risk-based capital ratio | 15.7948% | 3,381 |
| Memoranda: | ||
| Average total assets | $114,573,330 | 4,688 |
| Average earning assets | $104,038,330 | 4,693 |
| Average equity | $9,484,670 | 5,343 |
| Average total loans | $66,444,670 | 4,920 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1602% | 694 |
| Cost of funding earning assets | 0.7173% | 7,296 |
| Net interest margin | 5.4429% | 198 |
| Noninterest income to average assets | 2.0860% | 324 |
| Noninterest expense to average assets | 5.6111% | 261 |
| Loan and lease loss provision to assets | -0.4497% | 7,897 |
| Net operating income to assets | 1.8335% | 461 |
| Return on assets (ROA) | 2.0237% | 361 |
| Pretax return on assets | 2.0237% | 578 |
| Return on Equity (ROE) | 25.5472% | 149 |
| Retained earnings to average equity (ytd only) | 25.5472% | 99 |
| Net charge-offs to loans | -0.2882% | 7,734 |
| Credit loss provision to net charge-offs | 276.5957% | 1,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2176% | 2,535 |
| Assets per employee ($millions) | 2.1948% | 7,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 3,682 |
| Loan loss allowance to noncurrent loans | 77.2727% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 2.8635% | 2,520 |
| Noncurrent loans to loans | 1.9977% | 3,793 |
| Net loans and leases to total assets | 56.0525% | 5,736 |
| Net loans and leases to deposits | 61.7552% | 6,299 |
| Net loans and leases to core deposits | 61.9070% | 6,610 |
| Total domestic deposits to total assets | 90.7656% | 623 |
| Equity capital to assets | 8.7814% | 5,587 |
| Core capital (leverage) ratio | 8.4542% | 5,460 |
| Tier 1 risk-based capital ratio | 14.3277% | 3,476 |
| Total risk-based capital ratio | 15.5805% | 3,440 |
| Memoranda: | ||
| Average total assets | $115,628,500 | 4,731 |
| Average earning assets | $104,282,500 | 4,750 |
| Average equity | $9,159,500 | 5,498 |
| Average total loans | $65,229,500 | 5,032 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6885% | 475 |
| Cost of funding earning assets | 0.9168% | 7,370 |
| Net interest margin | 5.7718% | 138 |
| Noninterest income to average assets | 1.5184% | 622 |
| Noninterest expense to average assets | 6.0746% | 298 |
| Loan and lease loss provision to assets | 0.4608% | 4,066 |
| Net operating income to assets | -0.0367% | 5,560 |
| Return on assets (ROA) | -0.3197% | 5,990 |
| Pretax return on assets | -0.0760% | 5,566 |
| Return on Equity (ROE) | -4.8725% | 6,198 |
| Retained earnings to average equity (ytd only) | -4.8725% | 6,006 |
| Net charge-offs to loans | 0.4184% | 4,133 |
| Credit loss provision to net charge-offs | 191.6667% | 2,078 |
| Earnings coverage of net charge-offs (x) | 2.7778% | 3,701 |
| Efficiency ratio | 90.0953% | 1,702 |
| Assets per employee ($millions) | 2.2100% | 7,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6584% | 3,054 |
| Loan loss allowance to noncurrent loans | 113.9559% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 2.4955% | 2,800 |
| Noncurrent loans to loans | 1.4553% | 4,488 |
| Net loans and leases to total assets | 54.9808% | 6,085 |
| Net loans and leases to deposits | 59.4295% | 6,675 |
| Net loans and leases to core deposits | 63.2330% | 7,134 |
| Total domestic deposits to total assets | 92.5143% | 176 |
| Equity capital to assets | 7.0836% | 7,336 |
| Core capital (leverage) ratio | 7.0683% | 7,180 |
| Tier 1 risk-based capital ratio | 12.1006% | 4,848 |
| Total risk-based capital ratio | 13.3536% | 4,816 |
| Memoranda: | ||
| Average total assets | $119,794,400 | 4,571 |
| Average earning assets | $108,424,200 | 4,617 |
| Average equity | $7,860,400 | 5,971 |
| Average total loans | $68,840,400 | 4,912 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7155% | 497 |
| Cost of funding earning assets | 0.9587% | 7,468 |
| Net interest margin | 5.7569% | 138 |
| Noninterest income to average assets | 2.0056% | 364 |
| Noninterest expense to average assets | 6.4772% | 248 |
| Loan and lease loss provision to assets | 0.4516% | 3,658 |
| Net operating income to assets | 0.2789% | 4,867 |
| Return on assets (ROA) | -0.0576% | 5,870 |
| Pretax return on assets | -0.0553% | 5,790 |
| Return on Equity (ROE) | -0.8944% | 5,914 |
| Retained earnings to average equity (ytd only) | -0.8944% | 5,463 |
| Net charge-offs to loans | 0.3138% | 4,076 |
| Credit loss provision to net charge-offs | 248.7805% | 1,737 |
| Earnings coverage of net charge-offs (x) | 4.0366% | 3,292 |
| Efficiency ratio | 89.8373% | 1,703 |
| Assets per employee ($millions) | 2.1573% | 7,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 3,283 |
| Loan loss allowance to noncurrent loans | 326.9939% | 935 |
| Noncurrent assets plus other real estate owned to assets | 2.0725% | 3,247 |
| Noncurrent loans to loans | 0.4677% | 6,385 |
| Net loans and leases to total assets | 57.8453% | 5,911 |
| Net loans and leases to deposits | 62.9687% | 6,588 |
| Net loans and leases to core deposits | 67.1651% | 7,106 |
| Total domestic deposits to total assets | 91.8635% | 193 |
| Equity capital to assets | 7.1453% | 7,526 |
| Core capital (leverage) ratio | 6.7701% | 7,555 |
| Tier 1 risk-based capital ratio | 10.8927% | 6,060 |
| Total risk-based capital ratio | 12.1449% | 6,018 |
| Memoranda: | ||
| Average total assets | $120,460,500 | 4,583 |
| Average earning assets | $108,898,750 | 4,623 |
| Average equity | $7,751,250 | 6,063 |
| Average total loans | $69,679,250 | 4,927 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7914% | 458 |
| Cost of funding earning assets | 1.0080% | 7,539 |
| Net interest margin | 5.7834% | 125 |
| Noninterest income to average assets | 2.6614% | 244 |
| Noninterest expense to average assets | 6.9748% | 221 |
| Loan and lease loss provision to assets | 0.5782% | 2,708 |
| Net operating income to assets | 0.3361% | 4,736 |
| Return on assets (ROA) | 0.4064% | 4,596 |
| Pretax return on assets | 0.4114% | 4,900 |
| Return on Equity (ROE) | 6.5521% | 3,411 |
| Retained earnings to average equity (ytd only) | 6.5521% | 1,769 |
| Net charge-offs to loans | 0.2239% | 4,097 |
| Credit loss provision to net charge-offs | 448.7179% | 1,035 |
| Earnings coverage of net charge-offs (x) | 7.1282% | 2,492 |
| Efficiency ratio | 88.3633% | 1,964 |
| Assets per employee ($millions) | 2.1028% | 7,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 2,579 |
| Loan loss allowance to noncurrent loans | 53.5487% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 2.5981% | 2,477 |
| Noncurrent loans to loans | 3.0595% | 2,348 |
| Net loans and leases to total assets | 54.7986% | 6,356 |
| Net loans and leases to deposits | 59.1470% | 6,954 |
| Net loans and leases to core deposits | 63.3198% | 7,327 |
| Total domestic deposits to total assets | 92.6480% | 126 |
| Equity capital to assets | 6.6161% | 7,782 |
| Core capital (leverage) ratio | 6.3279% | 7,850 |
| Tier 1 risk-based capital ratio | 10.5035% | 6,376 |
| Total risk-based capital ratio | 11.7564% | 6,318 |
| Memoranda: | ||
| Average total assets | $121,063,670 | 4,602 |
| Average earning assets | $109,520,670 | 4,635 |
| Average equity | $7,509,000 | 6,178 |
| Average total loans | $69,672,330 | 4,973 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8233% | 464 |
| Cost of funding earning assets | 1.0730% | 7,557 |
| Net interest margin | 5.7503% | 133 |
| Noninterest income to average assets | 3.6165% | 179 |
| Noninterest expense to average assets | 7.8707% | 158 |
| Loan and lease loss provision to assets | 0.7825% | 1,643 |
| Net operating income to assets | 0.1539% | 5,808 |
| Return on assets (ROA) | 0.4208% | 4,947 |
| Pretax return on assets | 0.4307% | 5,309 |
| Return on Equity (ROE) | 7.0151% | 3,587 |
| Retained earnings to average equity (ytd only) | 7.0151% | 2,202 |
| Net charge-offs to loans | 0.2306% | 3,255 |
| Credit loss provision to net charge-offs | 580.4878% | 974 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,402 |
| Efficiency ratio | 89.2950% | 1,778 |
| Assets per employee ($millions) | 2.2902% | 7,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 3,681 |
| Loan loss allowance to noncurrent loans | 65.1118% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 2.1315% | 2,703 |
| Noncurrent loans to loans | 2.1041% | 3,114 |
| Net loans and leases to total assets | 59.3200% | 5,767 |
| Net loans and leases to deposits | 63.5331% | 6,602 |
| Net loans and leases to core deposits | 67.7775% | 7,149 |
| Total domestic deposits to total assets | 93.3686% | 66 |
| Equity capital to assets | 5.6885% | 8,042 |
| Core capital (leverage) ratio | 5.3917% | 8,090 |
| Tier 1 risk-based capital ratio | 8.3588% | 7,968 |
| Total risk-based capital ratio | 9.6089% | 8,002 |
| Memoranda: | ||
| Average total assets | $121,666,000 | 4,600 |
| Average earning assets | $109,976,000 | 4,640 |
| Average equity | $7,298,500 | 6,299 |
| Average total loans | $71,121,000 | 4,940 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0975% | 923 |
| Cost of funding earning assets | 1.8792% | 6,791 |
| Net interest margin | 5.2183% | 328 |
| Noninterest income to average assets | 4.0427% | 147 |
| Noninterest expense to average assets | 10.0262% | 138 |
| Loan and lease loss provision to assets | 0.5552% | 2,593 |
| Net operating income to assets | -2.1265% | 7,633 |
| Return on assets (ROA) | -2.9141% | 7,775 |
| Pretax return on assets | -2.6759% | 7,635 |
| Return on Equity (ROE) | -42.2180% | 8,097 |
| Retained earnings to average equity (ytd only) | -42.2180% | 8,069 |
| Net charge-offs to loans | 1.1411% | 1,062 |
| Credit loss provision to net charge-offs | 93.4993% | 5,583 |
| Earnings coverage of net charge-offs (x) | -2.2448% | 6,719 |
| Efficiency ratio | 115.3345% | 621 |
| Assets per employee ($millions) | 2.1757% | 7,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 4,447 |
| Loan loss allowance to noncurrent loans | 36.9604% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 2.4369% | 1,989 |
| Noncurrent loans to loans | 3.2772% | 1,592 |
| Net loans and leases to total assets | 56.0245% | 6,438 |
| Net loans and leases to deposits | 60.4007% | 7,054 |
| Net loans and leases to core deposits | 64.5155% | 7,420 |
| Total domestic deposits to total assets | 92.7546% | 69 |
| Equity capital to assets | 6.3195% | 7,991 |
| Core capital (leverage) ratio | 5.1831% | 8,193 |
| Tier 1 risk-based capital ratio | 7.9291% | 8,094 |
| Total risk-based capital ratio | 8.9995% | 8,140 |
| Memoranda: | ||
| Average total assets | $121,751,200 | 4,474 |
| Average earning assets | $108,502,600 | 4,547 |
| Average equity | $8,404,000 | 5,944 |
| Average total loans | $63,361,000 | 5,126 |