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 | 5.4060% | 1,301 |
| Cost of funding earning assets | 1.5860% | 1,724 |
| Net interest margin | 3.8200% | 1,537 |
| Noninterest income to average assets | 0.9300% | 719 |
| Noninterest expense to average assets | 4.3992% | 291 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0079% | 4,321 |
| Return on assets (ROA) | 0.0024% | 4,352 |
| Pretax return on assets | -0.0589% | 4,389 |
| Return on Equity (ROE) | 0.0300% | 4,342 |
| Retained earnings to average equity (ytd only) | 0.0324% | 4,035 |
| Net charge-offs to loans | 0.1229% | 798 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | -0.7857% | 4,528 |
| Efficiency ratio | 101.1927% | 169 |
| Assets per employee ($millions) | 3.1722% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 2,523 |
| Loan loss allowance to noncurrent loans | 164.0483% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.6171% | 885 |
| Noncurrent loans to loans | 0.7042% | 1,104 |
| Net loans and leases to total assets | 56.3300% | 3,164 |
| Net loans and leases to deposits | 61.4329% | 3,441 |
| Net loans and leases to core deposits | 77.8491% | 2,851 |
| Total domestic deposits to total assets | 91.6900% | 359 |
| Equity capital to assets | 8.0894% | 3,358 |
| Core capital (leverage) ratio | 10.4298% | 2,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1773% | 882 |
| Memoranda: | ||
| Average total assets | $84,856,200 | 3,973 |
| Average earning assets | $75,915,400 | 3,969 |
| Average equity | $6,179,600 | 4,146 |
| Average total loans | $45,557,800 | 3,906 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2871% | 1,305 |
| Cost of funding earning assets | 1.5036% | 1,594 |
| Net interest margin | 3.7835% | 1,635 |
| Noninterest income to average assets | 0.9100% | 748 |
| Noninterest expense to average assets | 4.4594% | 284 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | -0.1159% | 4,481 |
| Return on assets (ROA) | -0.1233% | 4,466 |
| Pretax return on assets | -0.2044% | 4,471 |
| Return on Equity (ROE) | -1.7400% | 4,448 |
| Retained earnings to average equity (ytd only) | -1.7391% | 4,308 |
| Net charge-offs to loans | 0.1357% | 598 |
| Credit loss provision to net charge-offs | 47.8261% | 1,906 |
| Earnings coverage of net charge-offs (x) | -2.2391% | 4,573 |
| Efficiency ratio | 103.7387% | 138 |
| Assets per employee ($millions) | 3.4770% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 1,870 |
| Loan loss allowance to noncurrent loans | 110.1533% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.6396% | 900 |
| Noncurrent loans to loans | 1.1796% | 666 |
| Net loans and leases to total assets | 50.2500% | 3,601 |
| Net loans and leases to deposits | 53.8376% | 3,793 |
| Net loans and leases to core deposits | 69.4144% | 3,236 |
| Total domestic deposits to total assets | 93.3400% | 258 |
| Equity capital to assets | 6.3561% | 3,875 |
| Core capital (leverage) ratio | 10.2637% | 2,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5896% | 872 |
| Memoranda: | ||
| Average total assets | $85,450,750 | 3,984 |
| Average earning assets | $76,612,250 | 3,977 |
| Average equity | $6,056,500 | 4,164 |
| Average total loans | $45,197,000 | 3,919 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2210% | 1,183 |
| Cost of funding earning assets | 1.4066% | 1,432 |
| Net interest margin | 3.8144% | 1,595 |
| Noninterest income to average assets | 0.9000% | 691 |
| Noninterest expense to average assets | 4.4986% | 275 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | -0.0777% | 4,505 |
| Return on assets (ROA) | -0.0777% | 4,494 |
| Pretax return on assets | -0.2001% | 4,514 |
| Return on Equity (ROE) | -1.0600% | 4,475 |
| Retained earnings to average equity (ytd only) | -1.0588% | 4,225 |
| Net charge-offs to loans | 0.1450% | 525 |
| Credit loss provision to net charge-offs | 45.4545% | 1,690 |
| Earnings coverage of net charge-offs (x) | -2.1212% | 4,617 |
| Efficiency ratio | 103.8023% | 128 |
| Assets per employee ($millions) | 3.1688% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,022 |
| Loan loss allowance to noncurrent loans | 147.4619% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4605% | 1,162 |
| Noncurrent loans to loans | 0.8663% | 875 |
| Net loans and leases to total assets | 52.4800% | 3,369 |
| Net loans and leases to deposits | 56.6599% | 3,603 |
| Net loans and leases to core deposits | 73.5181% | 2,925 |
| Total domestic deposits to total assets | 92.6200% | 306 |
| Equity capital to assets | 7.0408% | 3,772 |
| Core capital (leverage) ratio | 10.1981% | 2,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2923% | 914 |
| Memoranda: | ||
| Average total assets | $84,959,667 | 4,003 |
| Average earning assets | $76,499,000 | 3,996 |
| Average equity | $6,233,667 | 4,164 |
| Average total loans | $45,511,333 | 3,928 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1488% | 1,021 |
| Cost of funding earning assets | 1.3265% | 1,178 |
| Net interest margin | 3.8223% | 1,641 |
| Noninterest income to average assets | 0.9200% | 655 |
| Noninterest expense to average assets | 4.4791% | 275 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.0992% | 4,432 |
| Return on assets (ROA) | 0.0992% | 4,408 |
| Pretax return on assets | -0.1465% | 4,510 |
| Return on Equity (ROE) | 1.3300% | 4,358 |
| Retained earnings to average equity (ytd only) | 1.3252% | 3,818 |
| Net charge-offs to loans | 0.1669% | 423 |
| Credit loss provision to net charge-offs | 36.8421% | 1,326 |
| Earnings coverage of net charge-offs (x) | -1.2632% | 4,644 |
| Efficiency ratio | 102.5974% | 146 |
| Assets per employee ($millions) | 2.9720% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 2,046 |
| Loan loss allowance to noncurrent loans | 136.5116% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 1,004 |
| Noncurrent loans to loans | 0.9508% | 791 |
| Net loans and leases to total assets | 53.6400% | 3,228 |
| Net loans and leases to deposits | 58.3442% | 3,435 |
| Net loans and leases to core deposits | 72.7881% | 2,759 |
| Total domestic deposits to total assets | 91.9400% | 532 |
| Equity capital to assets | 7.8291% | 3,362 |
| Core capital (leverage) ratio | 10.3291% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5757% | 898 |
| Memoranda: | ||
| Average total assets | $84,660,500 | 4,053 |
| Average earning assets | $76,289,000 | 4,054 |
| Average equity | $6,338,500 | 4,214 |
| Average total loans | $45,527,000 | 3,969 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9184% | 353 |
| Cost of funding earning assets | 0.3851% | 2,220 |
| Net interest margin | 4.5333% | 277 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 4.7256% | 242 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.2428% | 4,416 |
| Return on assets (ROA) | 0.2287% | 4,406 |
| Pretax return on assets | 0.1525% | 4,475 |
| Return on Equity (ROE) | 2.8700% | 4,306 |
| Retained earnings to average equity (ytd only) | 2.8661% | 3,757 |
| Net charge-offs to loans | 0.1698% | 492 |
| Credit loss provision to net charge-offs | 95.8904% | 1,593 |
| Earnings coverage of net charge-offs (x) | 2.9041% | 2,489 |
| Efficiency ratio | 95.0012% | 214 |
| Assets per employee ($millions) | 2.8702% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 1,859 |
| Loan loss allowance to noncurrent loans | 93.7402% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 637 |
| Noncurrent loans to loans | 1.3943% | 481 |
| Net loans and leases to total assets | 52.5300% | 3,322 |
| Net loans and leases to deposits | 58.5274% | 3,418 |
| Net loans and leases to core deposits | 74.6653% | 2,525 |
| Total domestic deposits to total assets | 89.7500% | 1,467 |
| Equity capital to assets | 7.1563% | 3,578 |
| Core capital (leverage) ratio | 10.6256% | 2,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9589% | 983 |
| Memoranda: | ||
| Average total assets | $85,258,200 | 4,072 |
| Average earning assets | $76,610,800 | 4,081 |
| Average equity | $6,803,600 | 4,238 |
| Average total loans | $42,988,000 | 4,011 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8871% | 247 |
| Cost of funding earning assets | 0.3021% | 2,142 |
| Net interest margin | 4.5850% | 206 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 4.7032% | 233 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.3041% | 4,374 |
| Return on assets (ROA) | 0.2853% | 4,355 |
| Pretax return on assets | 0.1834% | 4,474 |
| Return on Equity (ROE) | 3.4800% | 4,232 |
| Retained earnings to average equity (ytd only) | 3.4845% | 3,633 |
| Net charge-offs to loans | 0.2050% | 323 |
| Credit loss provision to net charge-offs | 107.6923% | 1,282 |
| Earnings coverage of net charge-offs (x) | 3.0615% | 2,220 |
| Efficiency ratio | 93.7793% | 236 |
| Assets per employee ($millions) | 2.7686% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 1,878 |
| Loan loss allowance to noncurrent loans | 158.0729% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 1,169 |
| Noncurrent loans to loans | 0.8428% | 930 |
| Net loans and leases to total assets | 54.1300% | 3,089 |
| Net loans and leases to deposits | 60.4174% | 3,162 |
| Net loans and leases to core deposits | 73.4035% | 2,395 |
| Total domestic deposits to total assets | 89.5900% | 1,836 |
| Equity capital to assets | 7.1515% | 3,431 |
| Core capital (leverage) ratio | 10.7146% | 1,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0852% | 974 |
| Memoranda: | ||
| Average total assets | $85,046,250 | 4,104 |
| Average earning assets | $76,362,250 | 4,112 |
| Average equity | $6,964,000 | 4,259 |
| Average total loans | $42,277,750 | 4,047 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 213 |
| Cost of funding earning assets | 0.3251% | 1,479 |
| Net interest margin | 4.5231% | 190 |
| Noninterest income to average assets | 0.8821% | 876 |
| Noninterest expense to average assets | 4.7463% | 189 |
| Loan and lease loss provision to assets | 0.1423% | 668 |
| Net operating income to assets | 0.2030% | 4,416 |
| Return on assets (ROA) | 0.2030% | 4,376 |
| Pretax return on assets | 0.0513% | 4,516 |
| Return on Equity (ROE) | 2.3818% | 4,311 |
| Retained earnings to average equity (ytd only) | 2.3818% | 3,648 |
| Net charge-offs to loans | 0.3594% | 194 |
| Credit loss provision to net charge-offs | 82.4324% | 1,378 |
| Earnings coverage of net charge-offs (x) | 1.1216% | 2,078 |
| Efficiency ratio | 96.0794% | 246 |
| Assets per employee ($millions) | 2.5092% | 4,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 1,480 |
| Loan loss allowance to noncurrent loans | 204.5139% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 1,610 |
| Noncurrent loans to loans | 0.7203% | 1,202 |
| Net loans and leases to total assets | 47.5750% | 3,588 |
| Net loans and leases to deposits | 51.4725% | 3,727 |
| Net loans and leases to core deposits | 61.8887% | 3,125 |
| Total domestic deposits to total assets | 92.4279% | 683 |
| Equity capital to assets | 7.3934% | 3,537 |
| Core capital (leverage) ratio | 10.1674% | 2,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4696% | 660 |
| Memoranda: | ||
| Average total assets | $85,708,667 | 4,131 |
| Average earning assets | $76,894,000 | 4,158 |
| Average equity | $7,305,333 | 4,278 |
| Average total loans | $41,182,667 | 4,118 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7317% | 218 |
| Cost of funding earning assets | 0.3667% | 1,080 |
| Net interest margin | 4.3650% | 212 |
| Noninterest income to average assets | 0.8765% | 875 |
| Noninterest expense to average assets | 4.3230% | 227 |
| Loan and lease loss provision to assets | 0.1285% | 640 |
| Net operating income to assets | 0.3580% | 4,042 |
| Return on assets (ROA) | 0.3580% | 4,005 |
| Pretax return on assets | 0.3580% | 4,103 |
| Return on Equity (ROE) | 3.9509% | 3,888 |
| Retained earnings to average equity (ytd only) | 3.9509% | 2,948 |
| Net charge-offs to loans | 0.2776% | 227 |
| Credit loss provision to net charge-offs | 96.5517% | 1,056 |
| Earnings coverage of net charge-offs (x) | 3.6552% | 1,657 |
| Efficiency ratio | 89.8855% | 552 |
| Assets per employee ($millions) | 2.8780% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 1,752 |
| Loan loss allowance to noncurrent loans | 213.1206% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 1,807 |
| Noncurrent loans to loans | 0.6765% | 1,406 |
| Net loans and leases to total assets | 47.5845% | 3,428 |
| Net loans and leases to deposits | 52.0097% | 3,569 |
| Net loans and leases to core deposits | 62.8561% | 2,909 |
| Total domestic deposits to total assets | 91.4917% | 808 |
| Equity capital to assets | 8.3867% | 3,253 |
| Core capital (leverage) ratio | 9.7655% | 2,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3627% | 711 |
| Memoranda: | ||
| Average total assets | $87,161,000 | 4,130 |
| Average earning assets | $78,534,500 | 4,156 |
| Average equity | $7,897,000 | 4,278 |
| Average total loans | $41,782,500 | 4,124 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6708% | 444 |
| Cost of funding earning assets | 0.5177% | 861 |
| Net interest margin | 4.1531% | 539 |
| Noninterest income to average assets | 1.3400% | 600 |
| Noninterest expense to average assets | 4.7613% | 189 |
| Loan and lease loss provision to assets | 0.1070% | 1,181 |
| Net operating income to assets | 0.2085% | 4,526 |
| Return on assets (ROA) | 0.3266% | 4,410 |
| Pretax return on assets | 0.3289% | 4,463 |
| Return on Equity (ROE) | 3.4154% | 4,305 |
| Retained earnings to average equity (ytd only) | 3.4154% | 3,451 |
| Net charge-offs to loans | 0.0502% | 1,311 |
| Credit loss provision to net charge-offs | 457.1429% | 843 |
| Earnings coverage of net charge-offs (x) | 13.5238% | 2,073 |
| Efficiency ratio | 93.7651% | 236 |
| Assets per employee ($millions) | 2.8382% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 1,774 |
| Loan loss allowance to noncurrent loans | 792.1053% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 3,339 |
| Noncurrent loans to loans | 0.1815% | 3,034 |
| Net loans and leases to total assets | 46.9159% | 3,611 |
| Net loans and leases to deposits | 52.0727% | 3,735 |
| Net loans and leases to core deposits | 62.7745% | 3,093 |
| Total domestic deposits to total assets | 90.0970% | 913 |
| Equity capital to assets | 9.7212% | 2,921 |
| Core capital (leverage) ratio | 9.6414% | 2,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7969% | 676 |
| Memoranda: | ||
| Average total assets | $89,702,800 | 4,100 |
| Average earning assets | $80,735,000 | 4,122 |
| Average equity | $8,578,800 | 4,281 |
| Average total loans | $41,827,400 | 4,149 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 459 |
| Cost of funding earning assets | 0.5643% | 771 |
| Net interest margin | 4.1675% | 581 |
| Noninterest income to average assets | 1.4526% | 571 |
| Noninterest expense to average assets | 4.8283% | 187 |
| Loan and lease loss provision to assets | 0.1065% | 1,135 |
| Net operating income to assets | 0.2101% | 4,621 |
| Return on assets (ROA) | 0.3683% | 4,451 |
| Pretax return on assets | 0.3683% | 4,530 |
| Return on Equity (ROE) | 3.8670% | 4,324 |
| Retained earnings to average equity (ytd only) | 3.8670% | 3,614 |
| Net charge-offs to loans | 0.0255% | 1,533 |
| Credit loss provision to net charge-offs | 900.0000% | 538 |
| Earnings coverage of net charge-offs (x) | 26.7500% | 1,594 |
| Efficiency ratio | 93.8470% | 232 |
| Assets per employee ($millions) | 2.8584% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 1,882 |
| Loan loss allowance to noncurrent loans | 7,387.5000% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 4,180 |
| Noncurrent loans to loans | 0.0194% | 4,054 |
| Net loans and leases to total assets | 45.9265% | 3,804 |
| Net loans and leases to deposits | 51.1713% | 3,940 |
| Net loans and leases to core deposits | 60.7098% | 3,427 |
| Total domestic deposits to total assets | 89.7505% | 893 |
| Equity capital to assets | 9.8376% | 3,075 |
| Core capital (leverage) ratio | 9.3184% | 3,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0462% | 947 |
| Memoranda: | ||
| Average total assets | $90,132,750 | 4,148 |
| Average earning assets | $79,854,250 | 4,186 |
| Average equity | $8,585,250 | 4,342 |
| Average total loans | $41,814,250 | 4,202 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6857% | 541 |
| Cost of funding earning assets | 0.5839% | 804 |
| Net interest margin | 4.1019% | 690 |
| Noninterest income to average assets | 0.9422% | 1,173 |
| Noninterest expense to average assets | 4.8808% | 180 |
| Loan and lease loss provision to assets | 0.1059% | 1,182 |
| Net operating income to assets | -0.3707% | 4,851 |
| Return on assets (ROA) | -0.1346% | 4,822 |
| Pretax return on assets | -0.1346% | 4,816 |
| Return on Equity (ROE) | -1.4283% | 4,829 |
| Retained earnings to average equity (ytd only) | -1.4283% | 4,634 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7361% | 122 |
| Assets per employee ($millions) | 2.5983% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 2,059 |
| Loan loss allowance to noncurrent loans | 267.4419% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 2,750 |
| Noncurrent loans to loans | 0.5159% | 2,128 |
| Net loans and leases to total assets | 45.1952% | 3,961 |
| Net loans and leases to deposits | 49.9465% | 4,116 |
| Net loans and leases to core deposits | 59.6159% | 3,646 |
| Total domestic deposits to total assets | 90.4872% | 560 |
| Equity capital to assets | 9.1906% | 3,608 |
| Core capital (leverage) ratio | 8.9416% | 3,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1705% | 789 |
| Memoranda: | ||
| Average total assets | $90,640,667 | 4,167 |
| Average earning assets | $81,182,667 | 4,186 |
| Average equity | $8,541,333 | 4,367 |
| Average total loans | $41,990,333 | 4,230 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7175% | 555 |
| Cost of funding earning assets | 0.6280% | 766 |
| Net interest margin | 4.0895% | 731 |
| Noninterest income to average assets | 0.9106% | 1,298 |
| Noninterest expense to average assets | 4.6281% | 199 |
| Loan and lease loss provision to assets | 0.1061% | 1,294 |
| Net operating income to assets | -0.1680% | 4,825 |
| Return on assets (ROA) | 0.3050% | 4,544 |
| Pretax return on assets | 0.3050% | 4,594 |
| Return on Equity (ROE) | 3.1970% | 4,438 |
| Retained earnings to average equity (ytd only) | 3.1970% | 3,718 |
| Net charge-offs to loans | -0.0285% | 4,147 |
| Credit loss provision to net charge-offs | -800.0000% | 3,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3553% | 178 |
| Assets per employee ($millions) | 2.7413% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 2,188 |
| Loan loss allowance to noncurrent loans | 5,036.3636% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 4,295 |
| Noncurrent loans to loans | 0.0269% | 4,155 |
| Net loans and leases to total assets | 44.6719% | 4,069 |
| Net loans and leases to deposits | 49.5743% | 4,185 |
| Net loans and leases to core deposits | 59.4556% | 3,741 |
| Total domestic deposits to total assets | 90.1110% | 768 |
| Equity capital to assets | 9.4734% | 3,228 |
| Core capital (leverage) ratio | 9.3104% | 3,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5034% | 625 |
| Memoranda: | ||
| Average total assets | $90,490,500 | 4,180 |
| Average earning assets | $80,889,500 | 4,202 |
| Average equity | $8,633,000 | 4,372 |
| Average total loans | $42,147,500 | 4,254 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2533% | 300 |
| Cost of funding earning assets | 1.0290% | 533 |
| Net interest margin | 4.2243% | 603 |
| Noninterest income to average assets | 0.8920% | 1,286 |
| Noninterest expense to average assets | 4.2812% | 293 |
| Loan and lease loss provision to assets | 0.1604% | 2,368 |
| Net operating income to assets | 0.2329% | 4,528 |
| Return on assets (ROA) | 0.2428% | 4,580 |
| Pretax return on assets | 0.2307% | 4,629 |
| Return on Equity (ROE) | 2.6098% | 4,460 |
| Retained earnings to average equity (ytd only) | 2.6098% | 3,546 |
| Net charge-offs to loans | 0.4291% | 389 |
| Credit loss provision to net charge-offs | 73.0000% | 3,031 |
| Earnings coverage of net charge-offs (x) | 1.7350% | 3,235 |
| Efficiency ratio | 91.8238% | 321 |
| Assets per employee ($millions) | 2.9185% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 2,861 |
| Loan loss allowance to noncurrent loans | 3,764.2857% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 4,329 |
| Noncurrent loans to loans | 0.0323% | 4,179 |
| Net loans and leases to total assets | 47.3086% | 4,024 |
| Net loans and leases to deposits | 52.5358% | 4,193 |
| Net loans and leases to core deposits | 63.6811% | 3,713 |
| Total domestic deposits to total assets | 90.0502% | 545 |
| Equity capital to assets | 9.5895% | 3,524 |
| Core capital (leverage) ratio | 8.9831% | 3,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2378% | 746 |
| Memoranda: | ||
| Average total assets | $91,026,400 | 4,109 |
| Average earning assets | $81,244,200 | 4,145 |
| Average equity | $8,468,200 | 4,376 |
| Average total loans | $46,611,800 | 4,172 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3414% | 320 |
| Cost of funding earning assets | 1.1079% | 526 |
| Net interest margin | 4.2335% | 684 |
| Noninterest income to average assets | 0.9009% | 1,219 |
| Noninterest expense to average assets | 4.2135% | 318 |
| Loan and lease loss provision to assets | 0.1711% | 2,285 |
| Net operating income to assets | 0.2998% | 4,447 |
| Return on assets (ROA) | 0.3115% | 4,477 |
| Pretax return on assets | 0.3115% | 4,531 |
| Return on Equity (ROE) | 3.3743% | 4,322 |
| Retained earnings to average equity (ytd only) | 3.3743% | 3,362 |
| Net charge-offs to loans | 0.4666% | 322 |
| Credit loss provision to net charge-offs | 70.4819% | 2,807 |
| Earnings coverage of net charge-offs (x) | 1.9398% | 3,029 |
| Efficiency ratio | 89.9469% | 365 |
| Assets per employee ($millions) | 3.2503% | 4,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 2,903 |
| Loan loss allowance to noncurrent loans | 443.3333% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 3,789 |
| Noncurrent loans to loans | 0.2610% | 3,366 |
| Net loans and leases to total assets | 48.2092% | 4,205 |
| Net loans and leases to deposits | 53.3977% | 4,359 |
| Net loans and leases to core deposits | 68.5441% | 3,730 |
| Total domestic deposits to total assets | 90.2833% | 334 |
| Equity capital to assets | 9.2584% | 3,897 |
| Core capital (leverage) ratio | 8.6953% | 4,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0798% | 904 |
| Memoranda: | ||
| Average total assets | $91,164,500 | 4,115 |
| Average earning assets | $81,474,250 | 4,145 |
| Average equity | $8,416,250 | 4,402 |
| Average total loans | $47,432,500 | 4,178 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5229% | 327 |
| Cost of funding earning assets | 1.1797% | 542 |
| Net interest margin | 4.3432% | 685 |
| Noninterest income to average assets | 0.8677% | 1,243 |
| Noninterest expense to average assets | 4.3985% | 279 |
| Loan and lease loss provision to assets | 0.1731% | 2,281 |
| Net operating income to assets | 0.1687% | 4,606 |
| Return on assets (ROA) | 0.1864% | 4,630 |
| Pretax return on assets | 0.1864% | 4,647 |
| Return on Equity (ROE) | 2.0236% | 4,528 |
| Retained earnings to average equity (ytd only) | 2.0236% | 3,744 |
| Net charge-offs to loans | 0.4090% | 387 |
| Credit loss provision to net charge-offs | 79.5918% | 2,509 |
| Earnings coverage of net charge-offs (x) | 1.5714% | 2,845 |
| Efficiency ratio | 92.7903% | 324 |
| Assets per employee ($millions) | 2.8326% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 2,563 |
| Loan loss allowance to noncurrent loans | 445.2381% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 3,848 |
| Noncurrent loans to loans | 0.2677% | 3,420 |
| Net loans and leases to total assets | 49.7588% | 4,173 |
| Net loans and leases to deposits | 55.0821% | 4,334 |
| Net loans and leases to core deposits | 71.6124% | 3,614 |
| Total domestic deposits to total assets | 90.3356% | 317 |
| Equity capital to assets | 9.1744% | 3,949 |
| Core capital (leverage) ratio | 8.7920% | 4,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9193% | 917 |
| Memoranda: | ||
| Average total assets | $90,122,000 | 4,131 |
| Average earning assets | $80,356,333 | 4,163 |
| Average equity | $8,302,000 | 4,430 |
| Average total loans | $47,922,333 | 4,177 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8662% | 196 |
| Cost of funding earning assets | 1.2516% | 651 |
| Net interest margin | 4.6146% | 400 |
| Noninterest income to average assets | 0.9995% | 861 |
| Noninterest expense to average assets | 4.5904% | 281 |
| Loan and lease loss provision to assets | 0.1764% | 1,679 |
| Net operating income to assets | 0.3347% | 4,275 |
| Return on assets (ROA) | 0.3754% | 4,225 |
| Pretax return on assets | 0.3754% | 4,339 |
| Return on Equity (ROE) | 4.0661% | 3,929 |
| Retained earnings to average equity (ytd only) | 4.0661% | 2,655 |
| Net charge-offs to loans | 0.7115% | 212 |
| Credit loss provision to net charge-offs | 45.3488% | 2,072 |
| Earnings coverage of net charge-offs (x) | 1.3140% | 2,402 |
| Efficiency ratio | 89.9823% | 497 |
| Assets per employee ($millions) | 2.7822% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 3,141 |
| Loan loss allowance to noncurrent loans | 278.1250% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 3,611 |
| Noncurrent loans to loans | 0.3995% | 3,057 |
| Net loans and leases to total assets | 53.3792% | 4,034 |
| Net loans and leases to deposits | 59.0955% | 4,239 |
| Net loans and leases to core deposits | 78.2456% | 3,337 |
| Total domestic deposits to total assets | 90.3270% | 233 |
| Equity capital to assets | 9.2586% | 4,422 |
| Core capital (leverage) ratio | 9.1253% | 4,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3709% | 1,088 |
| Memoranda: | ||
| Average total assets | $88,444,500 | 4,148 |
| Average earning assets | $78,619,500 | 4,196 |
| Average equity | $8,165,000 | 4,470 |
| Average total loans | $48,346,500 | 4,183 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8536% | 292 |
| Cost of funding earning assets | 1.1902% | 1,046 |
| Net interest margin | 4.6633% | 507 |
| Noninterest income to average assets | 1.1367% | 725 |
| Noninterest expense to average assets | 4.3173% | 368 |
| Loan and lease loss provision to assets | 0.2294% | 838 |
| Net operating income to assets | 0.6717% | 3,947 |
| Return on assets (ROA) | 0.7103% | 3,899 |
| Pretax return on assets | 0.7868% | 3,998 |
| Return on Equity (ROE) | 7.5744% | 3,334 |
| Retained earnings to average equity (ytd only) | 0.2224% | 4,624 |
| Net charge-offs to loans | 0.5097% | 366 |
| Credit loss provision to net charge-offs | 86.4629% | 2,704 |
| Earnings coverage of net charge-offs (x) | 3.6681% | 3,296 |
| Efficiency ratio | 81.6032% | 823 |
| Assets per employee ($millions) | 2.6649% | 4,955 |
| Cash dividends to net income (ytd only)* | 97.0636% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 3,354 |
| Loan loss allowance to noncurrent loans | 429.3103% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 3,974 |
| Noncurrent loans to loans | 0.2385% | 3,591 |
| Net loans and leases to total assets | 54.7378% | 4,029 |
| Net loans and leases to deposits | 61.0635% | 4,239 |
| Net loans and leases to core deposits | 80.5142% | 3,253 |
| Total domestic deposits to total assets | 89.6408% | 452 |
| Equity capital to assets | 9.2903% | 4,497 |
| Core capital (leverage) ratio | 9.1598% | 4,393 |
| Tier 1 risk-based capital ratio | 16.6788% | 2,160 |
| Total risk-based capital ratio | 17.7128% | 2,173 |
| Memoranda: | ||
| Average total assets | $86,303,400 | 4,197 |
| Average earning assets | $76,876,200 | 4,234 |
| Average equity | $8,093,000 | 4,496 |
| Average total loans | $44,925,200 | 4,284 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8114% | 345 |
| Cost of funding earning assets | 1.1546% | 1,156 |
| Net interest margin | 4.6568% | 542 |
| Noninterest income to average assets | 1.1518% | 687 |
| Noninterest expense to average assets | 4.3417% | 349 |
| Loan and lease loss provision to assets | 0.2468% | 670 |
| Net operating income to assets | 0.6423% | 4,173 |
| Return on assets (ROA) | 0.6675% | 4,175 |
| Pretax return on assets | 0.7420% | 4,257 |
| Return on Equity (ROE) | 7.1010% | 3,637 |
| Retained earnings to average equity (ytd only) | 7.1010% | 1,818 |
| Net charge-offs to loans | 0.6303% | 255 |
| Credit loss provision to net charge-offs | 76.4423% | 2,546 |
| Earnings coverage of net charge-offs (x) | 2.9759% | 3,148 |
| Efficiency ratio | 81.8794% | 766 |
| Assets per employee ($millions) | 2.7232% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 3,503 |
| Loan loss allowance to noncurrent loans | 156.8627% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 3,099 |
| Noncurrent loans to loans | 0.6453% | 2,344 |
| Net loans and leases to total assets | 53.8684% | 4,192 |
| Net loans and leases to deposits | 60.0696% | 4,381 |
| Net loans and leases to core deposits | 78.4786% | 3,514 |
| Total domestic deposits to total assets | 89.6766% | 383 |
| Equity capital to assets | 9.8058% | 4,208 |
| Core capital (leverage) ratio | 9.6856% | 3,987 |
| Tier 1 risk-based capital ratio | 17.7827% | 1,885 |
| Total risk-based capital ratio | 18.7934% | 1,900 |
| Memoranda: | ||
| Average total assets | $85,894,000 | 4,255 |
| Average earning assets | $76,559,750 | 4,288 |
| Average equity | $8,073,750 | 4,545 |
| Average total loans | $43,997,750 | 4,362 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7163% | 388 |
| Cost of funding earning assets | 1.0924% | 1,326 |
| Net interest margin | 4.6238% | 588 |
| Noninterest income to average assets | 1.0950% | 710 |
| Noninterest expense to average assets | 4.3029% | 370 |
| Loan and lease loss provision to assets | 0.1591% | 1,142 |
| Net operating income to assets | 0.6964% | 4,013 |
| Return on assets (ROA) | 0.7347% | 3,939 |
| Pretax return on assets | 0.8049% | 4,081 |
| Return on Equity (ROE) | 7.9326% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.9326% | 1,428 |
| Net charge-offs to loans | 0.7093% | 213 |
| Credit loss provision to net charge-offs | 44.7368% | 2,512 |
| Earnings coverage of net charge-offs (x) | 2.5921% | 2,926 |
| Efficiency ratio | 82.3556% | 779 |
| Assets per employee ($millions) | 3.0238% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 3,421 |
| Loan loss allowance to noncurrent loans | 373.9496% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 4,079 |
| Noncurrent loans to loans | 0.2766% | 3,541 |
| Net loans and leases to total assets | 48.5546% | 4,548 |
| Net loans and leases to deposits | 54.9479% | 4,636 |
| Net loans and leases to core deposits | 70.2283% | 4,099 |
| Total domestic deposits to total assets | 88.3648% | 935 |
| Equity capital to assets | 9.5301% | 4,378 |
| Core capital (leverage) ratio | 9.6975% | 3,934 |
| Tier 1 risk-based capital ratio | 19.0525% | 1,542 |
| Total risk-based capital ratio | 21.3194% | 1,309 |
| Memoranda: | ||
| Average total assets | $85,478,000 | 4,291 |
| Average earning assets | $76,343,330 | 4,322 |
| Average equity | $7,916,670 | 4,591 |
| Average total loans | $42,856,330 | 4,423 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7774% | 325 |
| Cost of funding earning assets | 1.0195% | 1,482 |
| Net interest margin | 4.7579% | 438 |
| Noninterest income to average assets | 1.1473% | 611 |
| Noninterest expense to average assets | 4.4565% | 305 |
| Loan and lease loss provision to assets | 0.1375% | 1,261 |
| Net operating income to assets | 0.7396% | 3,804 |
| Return on assets (ROA) | 0.7396% | 3,856 |
| Pretax return on assets | 0.8012% | 4,036 |
| Return on Equity (ROE) | 8.1076% | 3,216 |
| Retained earnings to average equity (ytd only) | 8.1076% | 1,615 |
| Net charge-offs to loans | 1.1316% | 116 |
| Credit loss provision to net charge-offs | 23.9669% | 2,116 |
| Earnings coverage of net charge-offs (x) | 1.6364% | 2,574 |
| Efficiency ratio | 82.6011% | 819 |
| Assets per employee ($millions) | 2.6430% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 3,243 |
| Loan loss allowance to noncurrent loans | 502.2989% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 4,300 |
| Noncurrent loans to loans | 0.2148% | 3,821 |
| Net loans and leases to total assets | 47.3675% | 4,608 |
| Net loans and leases to deposits | 54.8907% | 4,645 |
| Net loans and leases to core deposits | 67.8316% | 4,190 |
| Total domestic deposits to total assets | 86.2941% | 2,144 |
| Equity capital to assets | 9.3465% | 4,389 |
| Core capital (leverage) ratio | 9.6660% | 3,953 |
| Tier 1 risk-based capital ratio | 19.6953% | 1,401 |
| Total risk-based capital ratio | 21.9975% | 1,179 |
| Memoranda: | ||
| Average total assets | $84,371,500 | 4,347 |
| Average earning assets | $75,327,500 | 4,384 |
| Average equity | $7,696,500 | 4,657 |
| Average total loans | $42,773,000 | 4,472 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6526% | 297 |
| Cost of funding earning assets | 0.8479% | 1,317 |
| Net interest margin | 4.8047% | 396 |
| Noninterest income to average assets | 0.9702% | 1,010 |
| Noninterest expense to average assets | 4.3731% | 334 |
| Loan and lease loss provision to assets | 0.1156% | 1,908 |
| Net operating income to assets | 0.7379% | 4,009 |
| Return on assets (ROA) | 0.7379% | 4,013 |
| Pretax return on assets | 0.7379% | 4,317 |
| Return on Equity (ROE) | 7.9710% | 3,450 |
| Retained earnings to average equity (ytd only) | 0.2341% | 4,921 |
| Net charge-offs to loans | 0.2864% | 677 |
| Credit loss provision to net charge-offs | 83.4783% | 2,815 |
| Earnings coverage of net charge-offs (x) | 6.1652% | 3,117 |
| Efficiency ratio | 83.6711% | 673 |
| Assets per employee ($millions) | 2.6302% | 5,162 |
| Cash dividends to net income (ytd only)* | 97.0636% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 2,699 |
| Loan loss allowance to noncurrent loans | 243.7788% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 3,084 |
| Noncurrent loans to loans | 0.4817% | 2,830 |
| Net loans and leases to total assets | 52.8931% | 4,360 |
| Net loans and leases to deposits | 62.3632% | 4,358 |
| Net loans and leases to core deposits | 77.1182% | 3,635 |
| Total domestic deposits to total assets | 84.8145% | 2,725 |
| Equity capital to assets | 8.8967% | 4,660 |
| Core capital (leverage) ratio | 9.6275% | 3,977 |
| Tier 1 risk-based capital ratio | 17.9260% | 1,775 |
| Total risk-based capital ratio | 19.1093% | 1,755 |
| Memoranda: | ||
| Average total assets | $83,076,800 | 4,374 |
| Average earning assets | $73,594,400 | 4,428 |
| Average equity | $7,690,400 | 4,651 |
| Average total loans | $40,153,800 | 4,548 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5847% | 306 |
| Cost of funding earning assets | 0.8261% | 1,213 |
| Net interest margin | 4.7585% | 409 |
| Noninterest income to average assets | 0.9484% | 1,065 |
| Noninterest expense to average assets | 4.3829% | 328 |
| Loan and lease loss provision to assets | 0.1401% | 1,422 |
| Net operating income to assets | 0.6296% | 4,425 |
| Return on assets (ROA) | 0.6296% | 4,438 |
| Pretax return on assets | 0.6360% | 4,668 |
| Return on Equity (ROE) | 6.7345% | 4,024 |
| Retained earnings to average equity (ytd only) | 6.7345% | 2,270 |
| Net charge-offs to loans | 0.2021% | 841 |
| Credit loss provision to net charge-offs | 147.4576% | 1,732 |
| Earnings coverage of net charge-offs (x) | 8.1700% | 2,740 |
| Efficiency ratio | 84.9563% | 583 |
| Assets per employee ($millions) | 2.7526% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 1,557 |
| Loan loss allowance to noncurrent loans | 366.8790% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 3,491 |
| Noncurrent loans to loans | 0.3924% | 3,247 |
| Net loans and leases to total assets | 47.7591% | 4,728 |
| Net loans and leases to deposits | 56.2964% | 4,738 |
| Net loans and leases to core deposits | 68.8410% | 4,257 |
| Total domestic deposits to total assets | 84.8351% | 2,676 |
| Equity capital to assets | 9.4394% | 4,142 |
| Core capital (leverage) ratio | 10.1582% | 3,458 |
| Tier 1 risk-based capital ratio | 20.3741% | 1,271 |
| Total risk-based capital ratio | 21.6250% | 1,244 |
| Memoranda: | ||
| Average total assets | $82,804,500 | 4,426 |
| Average earning assets | $73,270,000 | 4,480 |
| Average equity | $7,741,000 | 4,690 |
| Average total loans | $38,930,500 | 4,632 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5623% | 294 |
| Cost of funding earning assets | 0.8118% | 1,078 |
| Net interest margin | 4.7505% | 392 |
| Noninterest income to average assets | 0.9435% | 1,069 |
| Noninterest expense to average assets | 4.3026% | 360 |
| Loan and lease loss provision to assets | 0.1882% | 937 |
| Net operating income to assets | 0.6371% | 4,389 |
| Return on assets (ROA) | 0.6371% | 4,394 |
| Pretax return on assets | 0.6467% | 4,649 |
| Return on Equity (ROE) | 6.8367% | 3,947 |
| Retained earnings to average equity (ytd only) | 6.8367% | 2,151 |
| Net charge-offs to loans | 0.1141% | 1,241 |
| Credit loss provision to net charge-offs | 354.5455% | 892 |
| Earnings coverage of net charge-offs (x) | 15.7273% | 2,024 |
| Efficiency ratio | 83.7482% | 700 |
| Assets per employee ($millions) | 2.6063% | 5,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5507% | 1,237 |
| Loan loss allowance to noncurrent loans | 604.0000% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 3,850 |
| Noncurrent loans to loans | 0.2567% | 3,781 |
| Net loans and leases to total assets | 45.9796% | 4,829 |
| Net loans and leases to deposits | 54.3205% | 4,832 |
| Net loans and leases to core deposits | 66.1463% | 4,363 |
| Total domestic deposits to total assets | 84.6451% | 2,822 |
| Equity capital to assets | 9.2878% | 4,298 |
| Core capital (leverage) ratio | 9.9708% | 3,607 |
| Tier 1 risk-based capital ratio | 20.5309% | 1,244 |
| Total risk-based capital ratio | 21.7834% | 1,216 |
| Memoranda: | ||
| Average total assets | $82,879,670 | 4,471 |
| Average earning assets | $73,170,670 | 4,524 |
| Average equity | $7,723,000 | 4,740 |
| Average total loans | $38,569,000 | 4,681 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5656% | 249 |
| Cost of funding earning assets | 0.7935% | 975 |
| Net interest margin | 4.7721% | 360 |
| Noninterest income to average assets | 1.0119% | 892 |
| Noninterest expense to average assets | 4.2895% | 360 |
| Loan and lease loss provision to assets | 0.1888% | 897 |
| Net operating income to assets | 0.7359% | 3,961 |
| Return on assets (ROA) | 0.7359% | 3,965 |
| Pretax return on assets | 0.7553% | 4,276 |
| Return on Equity (ROE) | 7.8843% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.8843% | 1,883 |
| Net charge-offs to loans | 0.0938% | 1,239 |
| Credit loss provision to net charge-offs | 433.3333% | 655 |
| Earnings coverage of net charge-offs (x) | 21.6667% | 1,426 |
| Efficiency ratio | 81.9611% | 947 |
| Assets per employee ($millions) | 2.7558% | 5,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 1,402 |
| Loan loss allowance to noncurrent loans | 407.0423% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 3,727 |
| Noncurrent loans to loans | 0.3727% | 3,444 |
| Net loans and leases to total assets | 45.3848% | 4,824 |
| Net loans and leases to deposits | 53.3613% | 4,827 |
| Net loans and leases to core deposits | 64.9737% | 4,370 |
| Total domestic deposits to total assets | 85.0520% | 2,913 |
| Equity capital to assets | 9.2751% | 4,290 |
| Core capital (leverage) ratio | 9.9291% | 3,605 |
| Tier 1 risk-based capital ratio | 20.3146% | 1,292 |
| Total risk-based capital ratio | 21.5635% | 1,265 |
| Memoranda: | ||
| Average total assets | $82,619,500 | 4,523 |
| Average earning assets | $73,091,500 | 4,573 |
| Average equity | $7,711,500 | 4,795 |
| Average total loans | $38,378,000 | 4,740 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6439% | 213 |
| Cost of funding earning assets | 0.7946% | 639 |
| Net interest margin | 4.8494% | 310 |
| Noninterest income to average assets | 0.9959% | 1,027 |
| Noninterest expense to average assets | 4.0101% | 526 |
| Loan and lease loss provision to assets | 0.2850% | 621 |
| Net operating income to assets | 1.0031% | 2,226 |
| Return on assets (ROA) | 1.0031% | 2,263 |
| Pretax return on assets | 1.0092% | 3,532 |
| Return on Equity (ROE) | 10.2430% | 1,791 |
| Retained earnings to average equity (ytd only) | 1.8207% | 4,226 |
| Net charge-offs to loans | 0.5735% | 400 |
| Credit loss provision to net charge-offs | 100.4274% | 2,548 |
| Earnings coverage of net charge-offs (x) | 4.5598% | 3,449 |
| Efficiency ratio | 75.6003% | 1,681 |
| Assets per employee ($millions) | 2.5020% | 5,457 |
| Cash dividends to net income (ytd only)* | 82.2249% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 1,697 |
| Loan loss allowance to noncurrent loans | 240.3509% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.3876% | 3,311 |
| Noncurrent loans to loans | 0.5898% | 2,746 |
| Net loans and leases to total assets | 46.1558% | 4,885 |
| Net loans and leases to deposits | 54.9042% | 4,853 |
| Net loans and leases to core deposits | 67.0260% | 4,365 |
| Total domestic deposits to total assets | 84.0661% | 3,179 |
| Equity capital to assets | 9.3925% | 4,338 |
| Core capital (leverage) ratio | 9.7912% | 3,707 |
| Tier 1 risk-based capital ratio | 19.6626% | 1,389 |
| Total risk-based capital ratio | 20.9118% | 1,355 |
| Memoranda: | ||
| Average total assets | $82,441,800 | 4,547 |
| Average earning assets | $73,246,800 | 4,590 |
| Average equity | $8,073,800 | 4,776 |
| Average total loans | $40,805,400 | 4,710 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7092% | 188 |
| Cost of funding earning assets | 0.7857% | 626 |
| Net interest margin | 4.9235% | 263 |
| Noninterest income to average assets | 1.0662% | 900 |
| Noninterest expense to average assets | 4.0139% | 510 |
| Loan and lease loss provision to assets | 0.2362% | 755 |
| Net operating income to assets | 1.0419% | 2,365 |
| Return on assets (ROA) | 1.0419% | 2,402 |
| Pretax return on assets | 1.1956% | 2,927 |
| Return on Equity (ROE) | 10.5311% | 1,889 |
| Retained earnings to average equity (ytd only) | 10.5311% | 484 |
| Net charge-offs to loans | 0.6676% | 292 |
| Credit loss provision to net charge-offs | 70.5314% | 2,696 |
| Earnings coverage of net charge-offs (x) | 4.2754% | 3,249 |
| Efficiency ratio | 73.7077% | 1,939 |
| Assets per employee ($millions) | 2.4014% | 5,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,796 |
| Loan loss allowance to noncurrent loans | 292.7711% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 3,798 |
| Noncurrent loans to loans | 0.4171% | 3,451 |
| Net loans and leases to total assets | 48.1518% | 4,814 |
| Net loans and leases to deposits | 57.7307% | 4,776 |
| Net loans and leases to core deposits | 69.8208% | 4,252 |
| Total domestic deposits to total assets | 83.4076% | 3,324 |
| Equity capital to assets | 10.4647% | 3,409 |
| Core capital (leverage) ratio | 10.3745% | 3,107 |
| Tier 1 risk-based capital ratio | 20.7050% | 1,247 |
| Total risk-based capital ratio | 21.8899% | 1,227 |
| Memoranda: | ||
| Average total assets | $82,410,750 | 4,588 |
| Average earning assets | $73,307,000 | 4,639 |
| Average equity | $8,153,500 | 4,813 |
| Average total loans | $41,342,500 | 4,731 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7413% | 177 |
| Cost of funding earning assets | 0.7675% | 623 |
| Net interest margin | 4.9738% | 231 |
| Noninterest income to average assets | 1.1903% | 717 |
| Noninterest expense to average assets | 4.0089% | 523 |
| Loan and lease loss provision to assets | 0.2153% | 827 |
| Net operating income to assets | 1.1734% | 1,693 |
| Return on assets (ROA) | 1.1734% | 1,733 |
| Pretax return on assets | 1.4032% | 2,011 |
| Return on Equity (ROE) | 12.0897% | 1,274 |
| Retained earnings to average equity (ytd only) | 12.0897% | 313 |
| Net charge-offs to loans | 0.6642% | 295 |
| Credit loss provision to net charge-offs | 64.0288% | 2,430 |
| Earnings coverage of net charge-offs (x) | 4.8129% | 2,885 |
| Efficiency ratio | 71.2382% | 2,476 |
| Assets per employee ($millions) | 2.6650% | 5,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 2,874 |
| Loan loss allowance to noncurrent loans | 181.3869% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 3,799 |
| Noncurrent loans to loans | 0.6744% | 2,731 |
| Net loans and leases to total assets | 48.5778% | 4,788 |
| Net loans and leases to deposits | 57.9454% | 4,752 |
| Net loans and leases to core deposits | 70.1675% | 4,213 |
| Total domestic deposits to total assets | 83.8336% | 3,268 |
| Equity capital to assets | 10.1808% | 3,689 |
| Core capital (leverage) ratio | 10.1395% | 3,349 |
| Tier 1 risk-based capital ratio | 19.8193% | 1,405 |
| Total risk-based capital ratio | 21.0011% | 1,386 |
| Memoranda: | ||
| Average total assets | $82,665,670 | 4,616 |
| Average earning assets | $73,747,000 | 4,662 |
| Average equity | $8,023,330 | 4,858 |
| Average total loans | $41,856,670 | 4,748 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7387% | 172 |
| Cost of funding earning assets | 0.7464% | 669 |
| Net interest margin | 4.9923% | 229 |
| Noninterest income to average assets | 1.2142% | 697 |
| Noninterest expense to average assets | 3.9231% | 589 |
| Loan and lease loss provision to assets | 0.1500% | 1,238 |
| Net operating income to assets | 1.3012% | 1,237 |
| Return on assets (ROA) | 1.3012% | 1,271 |
| Pretax return on assets | 1.6060% | 1,216 |
| Return on Equity (ROE) | 13.7429% | 850 |
| Retained earnings to average equity (ytd only) | 13.7429% | 314 |
| Net charge-offs to loans | 0.6122% | 290 |
| Credit loss provision to net charge-offs | 47.6923% | 2,005 |
| Earnings coverage of net charge-offs (x) | 5.5846% | 2,276 |
| Efficiency ratio | 69.0801% | 3,029 |
| Assets per employee ($millions) | 2.5987% | 5,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 3,006 |
| Loan loss allowance to noncurrent loans | 111.0390% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.6037% | 2,834 |
| Noncurrent loans to loans | 1.0992% | 1,861 |
| Net loans and leases to total assets | 49.9242% | 4,679 |
| Net loans and leases to deposits | 58.9649% | 4,634 |
| Net loans and leases to core deposits | 71.6287% | 4,017 |
| Total domestic deposits to total assets | 84.6677% | 3,230 |
| Equity capital to assets | 9.6311% | 4,152 |
| Core capital (leverage) ratio | 9.8644% | 3,674 |
| Tier 1 risk-based capital ratio | 18.6712% | 1,699 |
| Total risk-based capital ratio | 19.8510% | 1,676 |
| Memoranda: | ||
| Average total assets | $82,690,500 | 4,665 |
| Average earning assets | $73,953,500 | 4,708 |
| Average equity | $7,829,500 | 4,929 |
| Average total loans | $42,470,000 | 4,774 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8566% | 148 |
| Cost of funding earning assets | 0.7372% | 670 |
| Net interest margin | 5.1194% | 200 |
| Noninterest income to average assets | 1.0173% | 1,094 |
| Noninterest expense to average assets | 4.7977% | 291 |
| Loan and lease loss provision to assets | 0.2233% | 978 |
| Net operating income to assets | 0.6615% | 3,946 |
| Return on assets (ROA) | 0.7809% | 3,496 |
| Pretax return on assets | 0.7427% | 4,365 |
| Return on Equity (ROE) | 7.8493% | 3,029 |
| Retained earnings to average equity (ytd only) | 0.1920% | 5,241 |
| Net charge-offs to loans | 0.5917% | 391 |
| Credit loss provision to net charge-offs | 75.4032% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.8589% | 3,761 |
| Efficiency ratio | 85.0011% | 909 |
| Assets per employee ($millions) | 2.5745% | 5,630 |
| Cash dividends to net income (ytd only)* | 97.5535% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 3,382 |
| Loan loss allowance to noncurrent loans | 114.5161% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.5753% | 3,005 |
| Noncurrent loans to loans | 1.0114% | 2,066 |
| Net loans and leases to total assets | 51.4827% | 4,652 |
| Net loans and leases to deposits | 61.2008% | 4,599 |
| Net loans and leases to core deposits | 75.5800% | 3,785 |
| Total domestic deposits to total assets | 84.1209% | 3,383 |
| Equity capital to assets | 9.3464% | 4,432 |
| Core capital (leverage) ratio | 9.5943% | 3,972 |
| Tier 1 risk-based capital ratio | 17.8549% | 1,892 |
| Total risk-based capital ratio | 18.9783% | 1,898 |
| Memoranda: | ||
| Average total assets | $83,747,600 | 4,656 |
| Average earning assets | $75,693,000 | 4,685 |
| Average equity | $8,332,000 | 4,878 |
| Average total loans | $41,915,600 | 4,818 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8141% | 162 |
| Cost of funding earning assets | 0.7357% | 678 |
| Net interest margin | 5.0784% | 219 |
| Noninterest income to average assets | 1.0608% | 1,012 |
| Noninterest expense to average assets | 4.7140% | 320 |
| Loan and lease loss provision to assets | 0.1633% | 1,406 |
| Net operating income to assets | 0.7183% | 3,749 |
| Return on assets (ROA) | 0.8626% | 3,219 |
| Pretax return on assets | 0.9498% | 3,814 |
| Return on Equity (ROE) | 8.5432% | 2,743 |
| Retained earnings to average equity (ytd only) | 8.5432% | 965 |
| Net charge-offs to loans | 0.4416% | 481 |
| Credit loss provision to net charge-offs | 74.6377% | 2,728 |
| Earnings coverage of net charge-offs (x) | 4.3622% | 3,279 |
| Efficiency ratio | 83.1608% | 1,058 |
| Assets per employee ($millions) | 2.6835% | 5,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 3,186 |
| Loan loss allowance to noncurrent loans | 209.2000% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 4,010 |
| Noncurrent loans to loans | 0.5776% | 3,272 |
| Net loans and leases to total assets | 51.3956% | 4,702 |
| Net loans and leases to deposits | 61.6232% | 4,654 |
| Net loans and leases to core deposits | 74.9106% | 3,930 |
| Total domestic deposits to total assets | 83.4031% | 3,447 |
| Equity capital to assets | 10.5602% | 3,501 |
| Core capital (leverage) ratio | 10.1242% | 3,408 |
| Tier 1 risk-based capital ratio | 18.9574% | 1,680 |
| Total risk-based capital ratio | 20.1341% | 1,657 |
| Memoranda: | ||
| Average total assets | $84,088,250 | 4,681 |
| Average earning assets | $76,295,250 | 4,705 |
| Average equity | $8,490,000 | 4,890 |
| Average total loans | $41,666,750 | 4,869 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6883% | 190 |
| Cost of funding earning assets | 0.7279% | 691 |
| Net interest margin | 4.9603% | 278 |
| Noninterest income to average assets | 1.0712% | 975 |
| Noninterest expense to average assets | 4.6002% | 348 |
| Loan and lease loss provision to assets | 0.1256% | 1,813 |
| Net operating income to assets | 0.7924% | 3,345 |
| Return on assets (ROA) | 0.8485% | 3,227 |
| Pretax return on assets | 0.9290% | 3,838 |
| Return on Equity (ROE) | 8.5323% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.5323% | 1,000 |
| Net charge-offs to loans | 0.3015% | 790 |
| Credit loss provision to net charge-offs | 85.4839% | 2,312 |
| Earnings coverage of net charge-offs (x) | 6.7581% | 2,708 |
| Efficiency ratio | 82.2458% | 1,244 |
| Assets per employee ($millions) | 2.8365% | 5,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 2,882 |
| Loan loss allowance to noncurrent loans | 477.3913% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.3008% | 4,296 |
| Noncurrent loans to loans | 0.2689% | 4,402 |
| Net loans and leases to total assets | 49.6063% | 4,867 |
| Net loans and leases to deposits | 60.2650% | 4,778 |
| Net loans and leases to core deposits | 72.8396% | 4,105 |
| Total domestic deposits to total assets | 82.3137% | 3,905 |
| Equity capital to assets | 10.1429% | 4,034 |
| Core capital (leverage) ratio | 9.7637% | 3,848 |
| Tier 1 risk-based capital ratio | 18.8218% | 1,734 |
| Total risk-based capital ratio | 20.0713% | 1,692 |
| Memoranda: | ||
| Average total assets | $84,387,670 | 4,716 |
| Average earning assets | $76,930,330 | 4,733 |
| Average equity | $8,391,670 | 4,945 |
| Average total loans | $41,129,330 | 4,934 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6358% | 209 |
| Cost of funding earning assets | 0.7312% | 686 |
| Net interest margin | 4.9045% | 310 |
| Noninterest income to average assets | 1.2090% | 743 |
| Noninterest expense to average assets | 4.4125% | 417 |
| Loan and lease loss provision to assets | 0.1142% | 1,833 |
| Net operating income to assets | 1.0062% | 2,248 |
| Return on assets (ROA) | 1.1138% | 1,952 |
| Pretax return on assets | 1.2757% | 2,400 |
| Return on Equity (ROE) | 11.3153% | 1,499 |
| Retained earnings to average equity (ytd only) | 11.3153% | 599 |
| Net charge-offs to loans | 0.3175% | 686 |
| Credit loss provision to net charge-offs | 75.0000% | 1,868 |
| Earnings coverage of net charge-offs (x) | 8.3125% | 2,064 |
| Efficiency ratio | 77.7033% | 1,937 |
| Assets per employee ($millions) | 2.8165% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 2,558 |
| Loan loss allowance to noncurrent loans | 533.9806% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 5,093 |
| Noncurrent loans to loans | 0.2567% | 4,517 |
| Net loans and leases to total assets | 46.8342% | 5,060 |
| Net loans and leases to deposits | 55.7743% | 5,003 |
| Net loans and leases to core deposits | 63.6990% | 4,711 |
| Total domestic deposits to total assets | 83.9708% | 3,532 |
| Equity capital to assets | 10.0052% | 4,080 |
| Core capital (leverage) ratio | 9.6795% | 3,938 |
| Tier 1 risk-based capital ratio | 19.7455% | 1,558 |
| Total risk-based capital ratio | 20.9960% | 1,524 |
| Memoranda: | ||
| Average total assets | $84,034,500 | 4,764 |
| Average earning assets | $76,582,500 | 4,783 |
| Average equity | $8,272,000 | 5,002 |
| Average total loans | $40,313,500 | 4,998 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5775% | 242 |
| Cost of funding earning assets | 0.7581% | 616 |
| Net interest margin | 4.8194% | 354 |
| Noninterest income to average assets | 1.1020% | 968 |
| Noninterest expense to average assets | 4.1371% | 579 |
| Loan and lease loss provision to assets | 0.1146% | 2,091 |
| Net operating income to assets | 1.0500% | 2,124 |
| Return on assets (ROA) | 1.0937% | 2,023 |
| Pretax return on assets | 1.2811% | 2,353 |
| Return on Equity (ROE) | 11.0657% | 1,592 |
| Retained earnings to average equity (ytd only) | 2.3436% | 4,390 |
| Net charge-offs to loans | 0.1430% | 1,921 |
| Credit loss provision to net charge-offs | 174.5455% | 1,553 |
| Earnings coverage of net charge-offs (x) | 20.4727% | 1,877 |
| Efficiency ratio | 75.4738% | 2,358 |
| Assets per employee ($millions) | 2.8818% | 5,631 |
| Cash dividends to net income (ytd only)* | 78.8210% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 2,524 |
| Loan loss allowance to noncurrent loans | 377.0270% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 4,896 |
| Noncurrent loans to loans | 0.3654% | 4,140 |
| Net loans and leases to total assets | 47.7977% | 5,030 |
| Net loans and leases to deposits | 57.1563% | 4,968 |
| Net loans and leases to core deposits | 65.2243% | 4,651 |
| Total domestic deposits to total assets | 83.6263% | 3,625 |
| Equity capital to assets | 9.6802% | 4,326 |
| Core capital (leverage) ratio | 9.4009% | 4,318 |
| Tier 1 risk-based capital ratio | 19.1823% | 1,661 |
| Total risk-based capital ratio | 20.4332% | 1,618 |
| Memoranda: | ||
| Average total assets | $83,754,200 | 4,793 |
| Average earning assets | $76,109,600 | 4,808 |
| Average equity | $8,277,800 | 5,009 |
| Average total loans | $38,456,400 | 5,069 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5251% | 252 |
| Cost of funding earning assets | 0.7595% | 620 |
| Net interest margin | 4.7656% | 403 |
| Noninterest income to average assets | 1.1169% | 966 |
| Noninterest expense to average assets | 4.0588% | 624 |
| Loan and lease loss provision to assets | 0.1098% | 2,047 |
| Net operating income to assets | 1.0915% | 2,051 |
| Return on assets (ROA) | 1.0915% | 2,129 |
| Pretax return on assets | 1.2808% | 2,467 |
| Return on Equity (ROE) | 10.9870% | 1,717 |
| Retained earnings to average equity (ytd only) | 10.9870% | 482 |
| Net charge-offs to loans | 0.0773% | 2,455 |
| Credit loss provision to net charge-offs | 313.6364% | 930 |
| Earnings coverage of net charge-offs (x) | 39.7307% | 1,253 |
| Efficiency ratio | 74.4818% | 2,476 |
| Assets per employee ($millions) | 2.6399% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 2,422 |
| Loan loss allowance to noncurrent loans | 504.4643% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 5,222 |
| Noncurrent loans to loans | 0.2848% | 4,559 |
| Net loans and leases to total assets | 45.8747% | 5,236 |
| Net loans and leases to deposits | 55.4016% | 5,164 |
| Net loans and leases to core deposits | 63.7622% | 4,832 |
| Total domestic deposits to total assets | 82.8038% | 3,880 |
| Equity capital to assets | 10.2985% | 3,819 |
| Core capital (leverage) ratio | 9.9858% | 3,653 |
| Tier 1 risk-based capital ratio | 20.8183% | 1,380 |
| Total risk-based capital ratio | 42.8895% | 228 |
| Memoranda: | ||
| Average total assets | $83,799,500 | 4,854 |
| Average earning assets | $76,183,750 | 4,862 |
| Average equity | $8,324,750 | 5,065 |
| Average total loans | $37,944,500 | 5,146 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4892% | 271 |
| Cost of funding earning assets | 0.7661% | 597 |
| Net interest margin | 4.7230% | 426 |
| Noninterest income to average assets | 1.1654% | 886 |
| Noninterest expense to average assets | 4.0755% | 621 |
| Loan and lease loss provision to assets | 0.1125% | 1,955 |
| Net operating income to assets | 1.1104% | 1,906 |
| Return on assets (ROA) | 1.1104% | 1,993 |
| Pretax return on assets | 1.2707% | 2,468 |
| Return on Equity (ROE) | 11.3175% | 1,583 |
| Retained earnings to average equity (ytd only) | 11.3175% | 468 |
| Net charge-offs to loans | -0.0694% | 5,660 |
| Credit loss provision to net charge-offs | -361.5385% | 5,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6602% | 2,582 |
| Assets per employee ($millions) | 2.5548% | 5,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 2,327 |
| Loan loss allowance to noncurrent loans | 520.7207% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 5,329 |
| Noncurrent loans to loans | 0.2866% | 4,656 |
| Net loans and leases to total assets | 45.2538% | 5,301 |
| Net loans and leases to deposits | 53.8215% | 5,267 |
| Net loans and leases to core deposits | 62.0606% | 4,943 |
| Total domestic deposits to total assets | 84.0812% | 3,536 |
| Equity capital to assets | 9.8554% | 4,209 |
| Core capital (leverage) ratio | 9.6603% | 4,058 |
| Tier 1 risk-based capital ratio | 20.4850% | 1,453 |
| Total risk-based capital ratio | 42.2239% | 241 |
| Memoranda: | ||
| Average total assets | $83,573,330 | 4,909 |
| Average earning assets | $75,968,000 | 4,924 |
| Average equity | $8,199,670 | 5,125 |
| Average total loans | $37,486,330 | 5,204 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4311% | 286 |
| Cost of funding earning assets | 0.7593% | 626 |
| Net interest margin | 4.6718% | 434 |
| Noninterest income to average assets | 1.2499% | 731 |
| Noninterest expense to average assets | 3.9901% | 702 |
| Loan and lease loss provision to assets | 0.1106% | 1,869 |
| Net operating income to assets | 1.2115% | 1,515 |
| Return on assets (ROA) | 1.2115% | 1,610 |
| Pretax return on assets | 1.4086% | 1,859 |
| Return on Equity (ROE) | 12.3757% | 1,246 |
| Retained earnings to average equity (ytd only) | 12.3757% | 517 |
| Net charge-offs to loans | -0.3364% | 6,173 |
| Credit loss provision to net charge-offs | -74.1935% | 4,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4258% | 3,100 |
| Assets per employee ($millions) | 2.6321% | 6,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5246% | 2,351 |
| Loan loss allowance to noncurrent loans | 324.4318% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 5,113 |
| Noncurrent loans to loans | 0.4699% | 4,171 |
| Net loans and leases to total assets | 43.7881% | 5,365 |
| Net loans and leases to deposits | 52.0631% | 5,330 |
| Net loans and leases to core deposits | 59.6452% | 5,019 |
| Total domestic deposits to total assets | 84.1059% | 3,780 |
| Equity capital to assets | 9.8663% | 4,302 |
| Core capital (leverage) ratio | 9.6487% | 4,080 |
| Tier 1 risk-based capital ratio | 20.4518% | 1,531 |
| Total risk-based capital ratio | 21.7036% | 1,501 |
| Memoranda: | ||
| Average total assets | $83,205,500 | 4,957 |
| Average earning assets | $75,859,000 | 4,973 |
| Average equity | $8,145,000 | 5,181 |
| Average total loans | $36,864,000 | 5,256 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4841% | 326 |
| Cost of funding earning assets | 0.8447% | 523 |
| Net interest margin | 4.6393% | 578 |
| Noninterest income to average assets | 1.1322% | 947 |
| Noninterest expense to average assets | 3.9401% | 816 |
| Loan and lease loss provision to assets | 0.0914% | 2,637 |
| Net operating income to assets | 1.1675% | 1,683 |
| Return on assets (ROA) | 1.1968% | 1,659 |
| Pretax return on assets | 1.3503% | 2,075 |
| Return on Equity (ROE) | 12.5054% | 1,264 |
| Retained earnings to average equity (ytd only) | 2.9799% | 4,120 |
| Net charge-offs to loans | 0.1984% | 2,080 |
| Credit loss provision to net charge-offs | 111.9403% | 2,126 |
| Earnings coverage of net charge-offs (x) | 17.2537% | 1,939 |
| Efficiency ratio | 73.6614% | 2,888 |
| Assets per employee ($millions) | 2.4905% | 6,166 |
| Cash dividends to net income (ytd only)* | 76.1711% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 2,824 |
| Loan loss allowance to noncurrent loans | 254.6798% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.2470% | 5,040 |
| Noncurrent loans to loans | 0.5596% | 3,989 |
| Net loans and leases to total assets | 43.5104% | 5,496 |
| Net loans and leases to deposits | 52.5582% | 5,440 |
| Net loans and leases to core deposits | 59.3707% | 5,186 |
| Total domestic deposits to total assets | 82.7852% | 4,154 |
| Equity capital to assets | 9.7098% | 4,456 |
| Core capital (leverage) ratio | 9.3277% | 4,499 |
| Tier 1 risk-based capital ratio | 19.5918% | 1,690 |
| Total risk-based capital ratio | 20.8404% | 1,654 |
| Memoranda: | ||
| Average total assets | $82,053,600 | 5,010 |
| Average earning assets | $74,579,800 | 5,028 |
| Average equity | $7,852,600 | 5,236 |
| Average total loans | $33,774,000 | 5,407 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4646% | 335 |
| Cost of funding earning assets | 0.8591% | 518 |
| Net interest margin | 4.6054% | 611 |
| Noninterest income to average assets | 1.0956% | 1,012 |
| Noninterest expense to average assets | 3.8542% | 905 |
| Loan and lease loss provision to assets | 0.0861% | 2,631 |
| Net operating income to assets | 1.1724% | 1,783 |
| Return on assets (ROA) | 1.2110% | 1,709 |
| Pretax return on assets | 1.3817% | 2,077 |
| Return on Equity (ROE) | 12.7010% | 1,301 |
| Retained earnings to average equity (ytd only) | 12.7010% | 358 |
| Net charge-offs to loans | 0.1126% | 2,676 |
| Credit loss provision to net charge-offs | 189.2857% | 1,330 |
| Earnings coverage of net charge-offs (x) | 31.2877% | 1,334 |
| Efficiency ratio | 73.0213% | 2,992 |
| Assets per employee ($millions) | 2.6543% | 6,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 2,569 |
| Loan loss allowance to noncurrent loans | 282.5397% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2297% | 5,297 |
| Noncurrent loans to loans | 0.5426% | 4,301 |
| Net loans and leases to total assets | 41.6842% | 5,705 |
| Net loans and leases to deposits | 49.9018% | 5,656 |
| Net loans and leases to core deposits | 55.9490% | 5,452 |
| Total domestic deposits to total assets | 83.5324% | 3,938 |
| Equity capital to assets | 10.1260% | 4,014 |
| Core capital (leverage) ratio | 9.9088% | 3,805 |
| Tier 1 risk-based capital ratio | 20.9478% | 1,464 |
| Total risk-based capital ratio | 22.1995% | 1,441 |
| Memoranda: | ||
| Average total assets | $82,020,750 | 5,063 |
| Average earning assets | $74,490,000 | 5,087 |
| Average equity | $7,820,750 | 5,290 |
| Average total loans | $33,148,500 | 5,484 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3941% | 376 |
| Cost of funding earning assets | 0.8704% | 503 |
| Net interest margin | 4.5238% | 677 |
| Noninterest income to average assets | 1.0911% | 1,000 |
| Noninterest expense to average assets | 3.7543% | 1,035 |
| Loan and lease loss provision to assets | 0.0928% | 2,479 |
| Net operating income to assets | 1.2181% | 1,540 |
| Return on assets (ROA) | 1.2400% | 1,537 |
| Pretax return on assets | 1.3792% | 1,973 |
| Return on Equity (ROE) | 13.2805% | 1,103 |
| Retained earnings to average equity (ytd only) | 13.2805% | 313 |
| Net charge-offs to loans | 0.0552% | 3,172 |
| Credit loss provision to net charge-offs | 422.2222% | 665 |
| Earnings coverage of net charge-offs (x) | 65.8889% | 756 |
| Efficiency ratio | 72.1727% | 3,300 |
| Assets per employee ($millions) | 2.7765% | 6,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6055% | 2,436 |
| Loan loss allowance to noncurrent loans | 283.6842% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 5,417 |
| Noncurrent loans to loans | 0.5659% | 4,318 |
| Net loans and leases to total assets | 39.6595% | 5,845 |
| Net loans and leases to deposits | 47.7011% | 5,787 |
| Net loans and leases to core deposits | 53.8776% | 5,561 |
| Total domestic deposits to total assets | 83.1416% | 4,249 |
| Equity capital to assets | 9.8434% | 4,301 |
| Core capital (leverage) ratio | 9.6462% | 4,114 |
| Tier 1 risk-based capital ratio | 20.6820% | 1,514 |
| Total risk-based capital ratio | 21.9339% | 1,489 |
| Memoranda: | ||
| Average total assets | $81,933,330 | 5,111 |
| Average earning assets | $74,451,330 | 5,124 |
| Average equity | $7,650,330 | 5,357 |
| Average total loans | $32,587,000 | 5,547 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3908% | 354 |
| Cost of funding earning assets | 0.8948% | 470 |
| Net interest margin | 4.4959% | 664 |
| Noninterest income to average assets | 1.1618% | 823 |
| Noninterest expense to average assets | 3.6479% | 1,218 |
| Loan and lease loss provision to assets | 0.0738% | 2,659 |
| Net operating income to assets | 1.4473% | 902 |
| Return on assets (ROA) | 1.4473% | 934 |
| Pretax return on assets | 1.5212% | 1,370 |
| Return on Equity (ROE) | 15.9436% | 645 |
| Retained earnings to average equity (ytd only) | 15.9436% | 270 |
| Net charge-offs to loans | -0.1122% | 6,165 |
| Credit loss provision to net charge-offs | -166.6667% | 4,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5775% | 3,897 |
| Assets per employee ($millions) | 2.7360% | 6,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6554% | 2,491 |
| Loan loss allowance to noncurrent loans | 237.3333% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.2741% | 5,343 |
| Noncurrent loans to loans | 0.6975% | 4,122 |
| Net loans and leases to total assets | 38.6496% | 5,897 |
| Net loans and leases to deposits | 45.6309% | 5,876 |
| Net loans and leases to core deposits | 51.8663% | 5,624 |
| Total domestic deposits to total assets | 84.7005% | 4,004 |
| Equity capital to assets | 9.3846% | 4,653 |
| Core capital (leverage) ratio | 9.5589% | 4,193 |
| Tier 1 risk-based capital ratio | 20.9699% | 1,477 |
| Total risk-based capital ratio | 22.2228% | 1,458 |
| Memoranda: | ||
| Average total assets | $81,253,000 | 5,181 |
| Average earning assets | $73,755,500 | 5,184 |
| Average equity | $7,376,000 | 5,436 |
| Average total loans | $32,094,000 | 5,626 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3376% | 493 |
| Cost of funding earning assets | 0.8945% | 763 |
| Net interest margin | 4.4431% | 835 |
| Noninterest income to average assets | 1.0328% | 1,317 |
| Noninterest expense to average assets | 3.5287% | 1,595 |
| Loan and lease loss provision to assets | 0.1467% | 2,462 |
| Net operating income to assets | 1.1683% | 1,691 |
| Return on assets (ROA) | 1.4117% | 1,039 |
| Pretax return on assets | 1.7002% | 953 |
| Return on Equity (ROE) | 14.1416% | 917 |
| Retained earnings to average equity (ytd only) | 0.0980% | 5,806 |
| Net charge-offs to loans | 0.2246% | 2,668 |
| Credit loss provision to net charge-offs | 171.4286% | 1,332 |
| Earnings coverage of net charge-offs (x) | 18.1571% | 1,669 |
| Efficiency ratio | 69.4324% | 3,932 |
| Assets per employee ($millions) | 2.8723% | 6,015 |
| Cash dividends to net income (ytd only)* | 99.3074% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5941% | 2,785 |
| Loan loss allowance to noncurrent loans | 214.7679% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 5,382 |
| Noncurrent loans to loans | 0.7422% | 4,104 |
| Net loans and leases to total assets | 39.0687% | 6,029 |
| Net loans and leases to deposits | 46.3423% | 5,985 |
| Net loans and leases to core deposits | 52.4470% | 5,763 |
| Total domestic deposits to total assets | 84.3046% | 4,051 |
| Equity capital to assets | 8.7647% | 5,295 |
| Core capital (leverage) ratio | 9.1203% | 4,828 |
| Tier 1 risk-based capital ratio | 20.7857% | 1,466 |
| Total risk-based capital ratio | 22.0348% | 1,447 |
| Memoranda: | ||
| Average total assets | $81,813,800 | 5,196 |
| Average earning assets | $74,565,200 | 5,183 |
| Average equity | $8,167,400 | 5,294 |
| Average total loans | $31,168,200 | 5,702 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2826% | 546 |
| Cost of funding earning assets | 0.8804% | 903 |
| Net interest margin | 4.4021% | 889 |
| Noninterest income to average assets | 1.1928% | 1,034 |
| Noninterest expense to average assets | 3.5977% | 1,402 |
| Loan and lease loss provision to assets | 0.0730% | 3,598 |
| Net operating income to assets | 1.2722% | 1,423 |
| Return on assets (ROA) | 1.5968% | 799 |
| Pretax return on assets | 1.9295% | 675 |
| Return on Equity (ROE) | 15.5318% | 707 |
| Retained earnings to average equity (ytd only) | 15.5318% | 174 |
| Net charge-offs to loans | 0.0990% | 3,566 |
| Credit loss provision to net charge-offs | 195.6522% | 1,237 |
| Earnings coverage of net charge-offs (x) | 43.1682% | 955 |
| Efficiency ratio | 69.0654% | 3,908 |
| Assets per employee ($millions) | 2.7989% | 6,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 3,391 |
| Loan loss allowance to noncurrent loans | 176.8382% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 5,404 |
| Noncurrent loans to loans | 0.8574% | 4,106 |
| Net loans and leases to total assets | 38.4930% | 6,142 |
| Net loans and leases to deposits | 45.7935% | 6,118 |
| Net loans and leases to core deposits | 52.1629% | 5,880 |
| Total domestic deposits to total assets | 84.0578% | 4,162 |
| Equity capital to assets | 9.9128% | 4,033 |
| Core capital (leverage) ratio | 10.3081% | 3,232 |
| Tier 1 risk-based capital ratio | 23.1132% | 1,124 |
| Total risk-based capital ratio | 24.3578% | 1,112 |
| Memoranda: | ||
| Average total assets | $82,161,000 | 5,238 |
| Average earning assets | $74,961,750 | 5,227 |
| Average equity | $8,447,000 | 5,285 |
| Average total loans | $30,977,750 | 5,765 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2260% | 607 |
| Cost of funding earning assets | 0.8670% | 1,048 |
| Net interest margin | 4.3590% | 924 |
| Noninterest income to average assets | 1.2171% | 1,038 |
| Noninterest expense to average assets | 3.6634% | 1,307 |
| Loan and lease loss provision to assets | 0.0727% | 3,586 |
| Net operating income to assets | 1.2712% | 1,400 |
| Return on assets (ROA) | 1.7796% | 583 |
| Pretax return on assets | 2.0390% | 559 |
| Return on Equity (ROE) | 17.1082% | 545 |
| Retained earnings to average equity (ytd only) | 17.1082% | 152 |
| Net charge-offs to loans | 0.1041% | 3,319 |
| Credit loss provision to net charge-offs | 187.5000% | 1,269 |
| Earnings coverage of net charge-offs (x) | 39.3750% | 938 |
| Efficiency ratio | 70.5745% | 3,719 |
| Assets per employee ($millions) | 2.6444% | 6,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5273% | 3,458 |
| Loan loss allowance to noncurrent loans | 111.5566% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 4,890 |
| Noncurrent loans to loans | 1.3691% | 3,263 |
| Net loans and leases to total assets | 37.2011% | 6,226 |
| Net loans and leases to deposits | 44.2503% | 6,214 |
| Net loans and leases to core deposits | 49.9689% | 6,023 |
| Total domestic deposits to total assets | 84.0697% | 4,286 |
| Equity capital to assets | 9.9151% | 4,022 |
| Core capital (leverage) ratio | 9.8467% | 3,726 |
| Tier 1 risk-based capital ratio | 22.7607% | 1,174 |
| Total risk-based capital ratio | 24.0125% | 1,151 |
| Memoranda: | ||
| Average total assets | $82,492,000 | 5,260 |
| Average earning assets | $75,201,330 | 5,246 |
| Average equity | $8,580,670 | 5,278 |
| Average total loans | $30,728,670 | 5,811 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2174% | 588 |
| Cost of funding earning assets | 0.8280% | 1,382 |
| Net interest margin | 4.3895% | 819 |
| Noninterest income to average assets | 1.0731% | 1,291 |
| Noninterest expense to average assets | 3.5094% | 1,603 |
| Loan and lease loss provision to assets | 0.0725% | 3,420 |
| Net operating income to assets | 1.3492% | 1,157 |
| Return on assets (ROA) | 2.1366% | 296 |
| Pretax return on assets | 2.3541% | 328 |
| Return on Equity (ROE) | 20.0749% | 290 |
| Retained earnings to average equity (ytd only) | 20.0749% | 139 |
| Net charge-offs to loans | -0.0131% | 5,541 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2088% | 4,112 |
| Assets per employee ($millions) | 2.6390% | 6,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5651% | 3,547 |
| Loan loss allowance to noncurrent loans | 106.7416% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.5733% | 4,958 |
| Noncurrent loans to loans | 1.4663% | 3,363 |
| Net loans and leases to total assets | 36.5168% | 6,260 |
| Net loans and leases to deposits | 44.1969% | 6,190 |
| Net loans and leases to core deposits | 49.3459% | 6,011 |
| Total domestic deposits to total assets | 82.6229% | 4,980 |
| Equity capital to assets | 10.6578% | 3,368 |
| Core capital (leverage) ratio | 9.4827% | 4,118 |
| Tier 1 risk-based capital ratio | 22.2938% | 1,277 |
| Total risk-based capital ratio | 23.5540% | 1,251 |
| Memoranda: | ||
| Average total assets | $82,750,000 | 5,304 |
| Average earning assets | $75,362,500 | 5,285 |
| Average equity | $8,807,000 | 5,273 |
| Average total loans | $30,608,500 | 5,866 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3404% | 843 |
| Cost of funding earning assets | 0.8892% | 1,996 |
| Net interest margin | 4.4513% | 1,043 |
| Noninterest income to average assets | 0.9108% | 1,830 |
| Noninterest expense to average assets | 3.3862% | 2,086 |
| Loan and lease loss provision to assets | 0.0910% | 4,548 |
| Net operating income to assets | 1.2535% | 1,438 |
| Return on assets (ROA) | 1.4442% | 1,136 |
| Pretax return on assets | 1.7945% | 927 |
| Return on Equity (ROE) | 12.7526% | 1,293 |
| Retained earnings to average equity (ytd only) | 0.3256% | 5,692 |
| Net charge-offs to loans | 0.2031% | 3,756 |
| Credit loss provision to net charge-offs | 117.4603% | 2,450 |
| Earnings coverage of net charge-offs (x) | 21.2698% | 1,309 |
| Efficiency ratio | 67.2772% | 4,272 |
| Assets per employee ($millions) | 3.0997% | 5,847 |
| Cash dividends to net income (ytd only)* | 97.4468% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 3,803 |
| Loan loss allowance to noncurrent loans | 124.0541% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5007% | 5,220 |
| Noncurrent loans to loans | 1.1987% | 3,854 |
| Net loans and leases to total assets | 36.3349% | 6,407 |
| Net loans and leases to deposits | 46.4998% | 6,219 |
| Net loans and leases to core deposits | 51.6405% | 6,041 |
| Total domestic deposits to total assets | 78.1398% | 6,059 |
| Equity capital to assets | 10.6284% | 3,367 |
| Core capital (leverage) ratio | 9.5458% | 4,043 |
| Tier 1 risk-based capital ratio | 21.9814% | 1,267 |
| Total risk-based capital ratio | 23.2324% | 1,239 |
| Memoranda: | ||
| Average total assets | $81,358,600 | 5,318 |
| Average earning assets | $75,349,600 | 5,264 |
| Average equity | $9,213,800 | 5,169 |
| Average total loans | $31,017,400 | 5,895 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3782% | 869 |
| Cost of funding earning assets | 0.8943% | 2,210 |
| Net interest margin | 4.4839% | 1,021 |
| Noninterest income to average assets | 0.9409% | 1,703 |
| Noninterest expense to average assets | 3.3904% | 2,026 |
| Loan and lease loss provision to assets | 0.0231% | 5,506 |
| Net operating income to assets | 1.3661% | 1,296 |
| Return on assets (ROA) | 1.5615% | 1,029 |
| Pretax return on assets | 1.9428% | 790 |
| Return on Equity (ROE) | 13.5719% | 1,205 |
| Retained earnings to average equity (ytd only) | 13.5719% | 340 |
| Net charge-offs to loans | 0.1803% | 3,672 |
| Credit loss provision to net charge-offs | 33.3333% | 4,741 |
| Earnings coverage of net charge-offs (x) | 24.8327% | 1,265 |
| Efficiency ratio | 66.3222% | 4,390 |
| Assets per employee ($millions) | 3.0276% | 6,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 4,542 |
| Loan loss allowance to noncurrent loans | 156.5056% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 5,713 |
| Noncurrent loans to loans | 0.8690% | 4,683 |
| Net loans and leases to total assets | 37.3540% | 6,458 |
| Net loans and leases to deposits | 46.2925% | 6,364 |
| Net loans and leases to core deposits | 51.6029% | 6,208 |
| Total domestic deposits to total assets | 80.6912% | 5,454 |
| Equity capital to assets | 12.2270% | 2,093 |
| Core capital (leverage) ratio | 10.7661% | 2,641 |
| Tier 1 risk-based capital ratio | 25.1143% | 897 |
| Total risk-based capital ratio | 26.3247% | 889 |
| Memoranda: | ||
| Average total assets | $80,775,500 | 5,383 |
| Average earning assets | $75,140,500 | 5,322 |
| Average equity | $9,293,500 | 5,199 |
| Average total loans | $31,054,750 | 5,970 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4092% | 854 |
| Cost of funding earning assets | 0.8958% | 2,435 |
| Net interest margin | 4.5135% | 967 |
| Noninterest income to average assets | 0.9546% | 1,599 |
| Noninterest expense to average assets | 3.3610% | 2,122 |
| Loan and lease loss provision to assets | 0.0174% | 5,446 |
| Net operating income to assets | 1.4451% | 1,096 |
| Return on assets (ROA) | 1.5438% | 1,032 |
| Pretax return on assets | 1.9067% | 832 |
| Return on Equity (ROE) | 13.7091% | 1,186 |
| Retained earnings to average equity (ytd only) | 13.7091% | 369 |
| Net charge-offs to loans | 0.1158% | 4,012 |
| Credit loss provision to net charge-offs | 38.8889% | 4,290 |
| Earnings coverage of net charge-offs (x) | 40.2778% | 870 |
| Efficiency ratio | 65.0939% | 4,708 |
| Assets per employee ($millions) | 3.0459% | 5,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 4,432 |
| Loan loss allowance to noncurrent loans | 1,560.7143% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 6,345 |
| Noncurrent loans to loans | 0.0902% | 6,437 |
| Net loans and leases to total assets | 37.2082% | 6,536 |
| Net loans and leases to deposits | 45.5696% | 6,473 |
| Net loans and leases to core deposits | 50.6321% | 6,313 |
| Total domestic deposits to total assets | 81.6513% | 5,246 |
| Equity capital to assets | 11.5783% | 2,513 |
| Core capital (leverage) ratio | 10.3686% | 2,962 |
| Tier 1 risk-based capital ratio | 24.3549% | 977 |
| Total risk-based capital ratio | 25.6060% | 955 |
| Memoranda: | ||
| Average total assets | $80,452,330 | 5,423 |
| Average earning assets | $75,020,000 | 5,357 |
| Average equity | $9,059,670 | 5,250 |
| Average total loans | $31,087,670 | 6,010 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4905% | 770 |
| Cost of funding earning assets | 0.9106% | 2,604 |
| Net interest margin | 4.5799% | 856 |
| Noninterest income to average assets | 1.0005% | 1,422 |
| Noninterest expense to average assets | 3.3585% | 2,118 |
| Loan and lease loss provision to assets | 0.0352% | 4,941 |
| Net operating income to assets | 1.5415% | 954 |
| Return on assets (ROA) | 1.6240% | 923 |
| Pretax return on assets | 1.9809% | 762 |
| Return on Equity (ROE) | 14.6344% | 1,052 |
| Retained earnings to average equity (ytd only) | 14.6344% | 491 |
| Net charge-offs to loans | 0.1543% | 3,167 |
| Credit loss provision to net charge-offs | 58.3333% | 3,147 |
| Earnings coverage of net charge-offs (x) | 31.7500% | 881 |
| Efficiency ratio | 63.6797% | 4,985 |
| Assets per employee ($millions) | 2.9913% | 6,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 4,439 |
| Loan loss allowance to noncurrent loans | 540.2439% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 6,341 |
| Noncurrent loans to loans | 0.2659% | 6,156 |
| Net loans and leases to total assets | 37.6297% | 6,517 |
| Net loans and leases to deposits | 45.7787% | 6,445 |
| Net loans and leases to core deposits | 51.2297% | 6,261 |
| Total domestic deposits to total assets | 82.1992% | 5,229 |
| Equity capital to assets | 11.1817% | 2,728 |
| Core capital (leverage) ratio | 10.2947% | 3,000 |
| Tier 1 risk-based capital ratio | 23.9830% | 1,010 |
| Total risk-based capital ratio | 25.2336% | 995 |
| Memoranda: | ||
| Average total assets | $79,558,500 | 5,488 |
| Average earning assets | $74,237,000 | 5,422 |
| Average equity | $8,828,500 | 5,332 |
| Average total loans | $31,113,000 | 6,058 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8731% | 551 |
| Cost of funding earning assets | 0.9447% | 3,753 |
| Net interest margin | 4.9284% | 478 |
| Noninterest income to average assets | 0.7799% | 2,167 |
| Noninterest expense to average assets | 3.7107% | 1,520 |
| Loan and lease loss provision to assets | 0.2023% | 4,160 |
| Net operating income to assets | 1.1731% | 1,594 |
| Return on assets (ROA) | 1.3682% | 1,176 |
| Pretax return on assets | 1.6836% | 1,025 |
| Return on Equity (ROE) | 11.8128% | 1,460 |
| Retained earnings to average equity (ytd only) | 0.6780% | 5,530 |
| Net charge-offs to loans | 0.1560% | 4,896 |
| Credit loss provision to net charge-offs | 304.0000% | 767 |
| Earnings coverage of net charge-offs (x) | 24.7200% | 986 |
| Efficiency ratio | 69.2843% | 4,093 |
| Assets per employee ($millions) | 3.1340% | 5,841 |
| Cash dividends to net income (ytd only)* | 94.2607% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 4,344 |
| Loan loss allowance to noncurrent loans | 103.7037% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6752% | 5,291 |
| Noncurrent loans to loans | 1.3762% | 4,079 |
| Net loans and leases to total assets | 39.4928% | 6,575 |
| Net loans and leases to deposits | 48.7084% | 6,448 |
| Net loans and leases to core deposits | 53.8298% | 6,313 |
| Total domestic deposits to total assets | 81.0800% | 5,425 |
| Equity capital to assets | 11.0094% | 2,974 |
| Core capital (leverage) ratio | 10.0117% | 3,330 |
| Tier 1 risk-based capital ratio | 23.0922% | 1,090 |
| Total risk-based capital ratio | 24.3433% | 1,073 |
| Memoranda: | ||
| Average total assets | $75,134,800 | 5,599 |
| Average earning assets | $69,759,000 | 5,545 |
| Average equity | $8,702,400 | 5,357 |
| Average total loans | $32,049,600 | 6,068 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9457% | 516 |
| Cost of funding earning assets | 0.9522% | 4,025 |
| Net interest margin | 4.9934% | 417 |
| Noninterest income to average assets | 0.8664% | 1,768 |
| Noninterest expense to average assets | 3.5319% | 1,855 |
| Loan and lease loss provision to assets | 0.1345% | 4,755 |
| Net operating income to assets | 1.4580% | 1,032 |
| Return on assets (ROA) | 1.6789% | 730 |
| Pretax return on assets | 2.1041% | 516 |
| Return on Equity (ROE) | 14.3091% | 977 |
| Retained earnings to average equity (ytd only) | 14.3091% | 280 |
| Net charge-offs to loans | 0.1738% | 4,411 |
| Credit loss provision to net charge-offs | 178.5714% | 1,669 |
| Earnings coverage of net charge-offs (x) | 26.0470% | 1,029 |
| Efficiency ratio | 64.2834% | 5,020 |
| Assets per employee ($millions) | 2.8495% | 6,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 5,533 |
| Loan loss allowance to noncurrent loans | 189.5000% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6083% | 5,604 |
| Noncurrent loans to loans | 0.6244% | 5,639 |
| Net loans and leases to total assets | 41.1394% | 6,552 |
| Net loans and leases to deposits | 49.4725% | 6,529 |
| Net loans and leases to core deposits | 54.5970% | 6,415 |
| Total domestic deposits to total assets | 83.1561% | 4,621 |
| Equity capital to assets | 12.5572% | 1,881 |
| Core capital (leverage) ratio | 11.5444% | 1,992 |
| Tier 1 risk-based capital ratio | 25.8934% | 848 |
| Total risk-based capital ratio | 27.0258% | 837 |
| Memoranda: | ||
| Average total assets | $74,330,750 | 5,666 |
| Average earning assets | $68,889,000 | 5,622 |
| Average equity | $8,721,500 | 5,381 |
| Average total loans | $32,214,250 | 6,121 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9839% | 493 |
| Cost of funding earning assets | 0.9527% | 4,296 |
| Net interest margin | 5.0311% | 379 |
| Noninterest income to average assets | 0.8494% | 1,806 |
| Noninterest expense to average assets | 3.6100% | 1,715 |
| Loan and lease loss provision to assets | 0.1443% | 4,502 |
| Net operating income to assets | 1.4391% | 1,001 |
| Return on assets (ROA) | 1.5954% | 785 |
| Pretax return on assets | 1.9439% | 649 |
| Return on Equity (ROE) | 13.9386% | 993 |
| Retained earnings to average equity (ytd only) | 13.9386% | 319 |
| Net charge-offs to loans | 0.1611% | 4,211 |
| Credit loss provision to net charge-offs | 203.8462% | 1,482 |
| Earnings coverage of net charge-offs (x) | 26.8077% | 1,004 |
| Efficiency ratio | 65.5462% | 4,968 |
| Assets per employee ($millions) | 2.4180% | 7,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 5,752 |
| Loan loss allowance to noncurrent loans | 187.4372% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.6230% | 5,677 |
| Noncurrent loans to loans | 0.6150% | 5,693 |
| Net loans and leases to total assets | 42.6685% | 6,545 |
| Net loans and leases to deposits | 51.5198% | 6,500 |
| Net loans and leases to core deposits | 56.4941% | 6,379 |
| Total domestic deposits to total assets | 82.8195% | 4,840 |
| Equity capital to assets | 11.8575% | 2,204 |
| Core capital (leverage) ratio | 11.2059% | 2,107 |
| Tier 1 risk-based capital ratio | 24.9453% | 907 |
| Total risk-based capital ratio | 26.0641% | 904 |
| Memoranda: | ||
| Average total assets | $73,462,330 | 5,736 |
| Average earning assets | $68,016,330 | 5,695 |
| Average equity | $8,408,330 | 5,488 |
| Average total loans | $32,275,670 | 6,175 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9301% | 558 |
| Cost of funding earning assets | 0.9874% | 4,288 |
| Net interest margin | 4.9428% | 422 |
| Noninterest income to average assets | 1.0672% | 1,151 |
| Noninterest expense to average assets | 3.4876% | 2,035 |
| Loan and lease loss provision to assets | 0.1265% | 4,414 |
| Net operating income to assets | 1.6683% | 602 |
| Return on assets (ROA) | 1.8758% | 446 |
| Pretax return on assets | 2.2774% | 356 |
| Return on Equity (ROE) | 16.6983% | 607 |
| Retained earnings to average equity (ytd only) | 16.6983% | 299 |
| Net charge-offs to loans | 0.0124% | 4,909 |
| Credit loss provision to net charge-offs | 2,300.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 391.0000% | 70 |
| Efficiency ratio | 61.8537% | 5,705 |
| Assets per employee ($millions) | 2.5832% | 6,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 5,926 |
| Loan loss allowance to noncurrent loans | 209.7143% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.5913% | 5,787 |
| Noncurrent loans to loans | 0.5391% | 5,950 |
| Net loans and leases to total assets | 42.8411% | 6,556 |
| Net loans and leases to deposits | 50.4924% | 6,587 |
| Net loans and leases to core deposits | 55.2098% | 6,472 |
| Total domestic deposits to total assets | 84.8466% | 4,110 |
| Equity capital to assets | 11.2556% | 2,454 |
| Core capital (leverage) ratio | 11.1900% | 2,037 |
| Tier 1 risk-based capital ratio | 24.2890% | 947 |
| Total risk-based capital ratio | 25.3935% | 944 |
| Memoranda: | ||
| Average total assets | $72,715,000 | 5,798 |
| Average earning assets | $67,250,000 | 5,755 |
| Average equity | $8,168,500 | 5,560 |
| Average total loans | $32,235,500 | 6,228 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2610% | 498 |
| Cost of funding earning assets | 1.3104% | 3,815 |
| Net interest margin | 4.9506% | 486 |
| Noninterest income to average assets | 0.8705% | 1,975 |
| Noninterest expense to average assets | 3.9772% | 1,194 |
| Loan and lease loss provision to assets | 0.4509% | 3,423 |
| Net operating income to assets | 0.8730% | 2,492 |
| Return on assets (ROA) | 1.1252% | 1,704 |
| Pretax return on assets | 1.3428% | 1,825 |
| Return on Equity (ROE) | 9.3578% | 2,157 |
| Retained earnings to average equity (ytd only) | 1.0292% | 5,024 |
| Net charge-offs to loans | 0.3567% | 4,234 |
| Credit loss provision to net charge-offs | 270.9402% | 1,018 |
| Earnings coverage of net charge-offs (x) | 8.9744% | 1,895 |
| Efficiency ratio | 72.6989% | 3,655 |
| Assets per employee ($millions) | 2.3505% | 7,170 |
| Cash dividends to net income (ytd only)* | 89.0013% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 6,023 |
| Loan loss allowance to noncurrent loans | 227.6316% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.5956% | 5,833 |
| Noncurrent loans to loans | 0.4749% | 6,090 |
| Net loans and leases to total assets | 44.9033% | 6,645 |
| Net loans and leases to deposits | 51.4527% | 6,783 |
| Net loans and leases to core deposits | 56.4099% | 6,674 |
| Total domestic deposits to total assets | 87.2710% | 2,686 |
| Equity capital to assets | 11.2102% | 2,494 |
| Core capital (leverage) ratio | 10.9422% | 2,203 |
| Tier 1 risk-based capital ratio | 23.9713% | 935 |
| Total risk-based capital ratio | 25.0442% | 935 |
| Memoranda: | ||
| Average total assets | $70,301,200 | 5,879 |
| Average earning assets | $65,325,200 | 5,820 |
| Average equity | $8,452,800 | 5,564 |
| Average total loans | $32,797,600 | 6,268 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3092% | 496 |
| Cost of funding earning assets | 1.3719% | 3,765 |
| Net interest margin | 4.9373% | 511 |
| Noninterest income to average assets | 0.8010% | 2,231 |
| Noninterest expense to average assets | 3.9232% | 1,171 |
| Loan and lease loss provision to assets | 0.5599% | 2,708 |
| Net operating income to assets | 0.7741% | 3,118 |
| Return on assets (ROA) | 1.0306% | 2,240 |
| Pretax return on assets | 1.2166% | 2,434 |
| Return on Equity (ROE) | 8.4284% | 2,726 |
| Retained earnings to average equity (ytd only) | 8.4284% | 1,268 |
| Net charge-offs to loans | 0.3799% | 3,778 |
| Credit loss provision to net charge-offs | 313.8298% | 1,005 |
| Earnings coverage of net charge-offs (x) | 8.2659% | 2,187 |
| Efficiency ratio | 72.6793% | 3,574 |
| Assets per employee ($millions) | 2.4537% | 7,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0695% | 6,076 |
| Loan loss allowance to noncurrent loans | 321.2963% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 6,084 |
| Noncurrent loans to loans | 0.3329% | 6,526 |
| Net loans and leases to total assets | 45.1073% | 6,763 |
| Net loans and leases to deposits | 52.2157% | 6,885 |
| Net loans and leases to core deposits | 57.9201% | 6,734 |
| Total domestic deposits to total assets | 86.3864% | 2,862 |
| Equity capital to assets | 12.5624% | 1,827 |
| Core capital (leverage) ratio | 11.5067% | 1,938 |
| Tier 1 risk-based capital ratio | 25.3452% | 836 |
| Total risk-based capital ratio | 26.4194% | 832 |
| Memoranda: | ||
| Average total assets | $70,247,500 | 5,939 |
| Average earning assets | $65,405,000 | 5,883 |
| Average equity | $8,589,750 | 5,606 |
| Average total loans | $32,994,500 | 6,340 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3512% | 464 |
| Cost of funding earning assets | 1.4527% | 3,542 |
| Net interest margin | 4.8985% | 539 |
| Noninterest income to average assets | 0.7921% | 2,163 |
| Noninterest expense to average assets | 3.9403% | 1,118 |
| Loan and lease loss provision to assets | 0.2431% | 4,490 |
| Net operating income to assets | 0.8955% | 2,567 |
| Return on assets (ROA) | 1.0122% | 2,220 |
| Pretax return on assets | 1.3211% | 2,024 |
| Return on Equity (ROE) | 8.3556% | 2,737 |
| Retained earnings to average equity (ytd only) | 8.3556% | 1,315 |
| Net charge-offs to loans | 0.3074% | 3,778 |
| Credit loss provision to net charge-offs | 166.6667% | 2,354 |
| Earnings coverage of net charge-offs (x) | 9.6863% | 1,987 |
| Efficiency ratio | 73.6111% | 3,542 |
| Assets per employee ($millions) | 2.4529% | 7,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5311% | 7,480 |
| Loan loss allowance to noncurrent loans | 46.4103% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 0.7380% | 5,647 |
| Noncurrent loans to loans | 1.1444% | 5,051 |
| Net loans and leases to total assets | 47.6531% | 6,647 |
| Net loans and leases to deposits | 54.8582% | 6,801 |
| Net loans and leases to core deposits | 61.5432% | 6,585 |
| Total domestic deposits to total assets | 86.8658% | 2,612 |
| Equity capital to assets | 12.1178% | 2,031 |
| Core capital (leverage) ratio | 11.3048% | 2,033 |
| Tier 1 risk-based capital ratio | 23.8462% | 955 |
| Total risk-based capital ratio | 24.3858% | 1,025 |
| Memoranda: | ||
| Average total assets | $69,944,330 | 5,981 |
| Average earning assets | $65,122,000 | 5,920 |
| Average equity | $8,473,330 | 5,645 |
| Average total loans | $33,178,000 | 6,374 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3521% | 485 |
| Cost of funding earning assets | 1.5260% | 3,398 |
| Net interest margin | 4.8261% | 607 |
| Noninterest income to average assets | 0.7325% | 2,396 |
| Noninterest expense to average assets | 3.9914% | 1,050 |
| Loan and lease loss provision to assets | 0.0865% | 5,776 |
| Net operating income to assets | 0.9748% | 2,283 |
| Return on assets (ROA) | 0.9748% | 2,346 |
| Pretax return on assets | 1.1420% | 2,578 |
| Return on Equity (ROE) | 8.0476% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.0476% | 1,688 |
| Net charge-offs to loans | 0.2322% | 3,540 |
| Credit loss provision to net charge-offs | 78.9474% | 3,903 |
| Earnings coverage of net charge-offs (x) | 11.2105% | 1,669 |
| Efficiency ratio | 76.4641% | 3,138 |
| Assets per employee ($millions) | 2.4985% | 7,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4344% | 7,662 |
| Loan loss allowance to noncurrent loans | 52.0147% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 5,886 |
| Noncurrent loans to loans | 0.8352% | 5,643 |
| Net loans and leases to total assets | 46.5187% | 6,793 |
| Net loans and leases to deposits | 53.4340% | 6,954 |
| Net loans and leases to core deposits | 59.1204% | 6,809 |
| Total domestic deposits to total assets | 87.0581% | 2,600 |
| Equity capital to assets | 11.9742% | 2,056 |
| Core capital (leverage) ratio | 11.3217% | 2,022 |
| Tier 1 risk-based capital ratio | 24.0031% | 968 |
| Total risk-based capital ratio | 24.4393% | 1,030 |
| Memoranda: | ||
| Average total assets | $69,349,000 | 6,064 |
| Average earning assets | $64,482,500 | 6,017 |
| Average equity | $8,400,000 | 5,715 |
| Average total loans | $32,727,500 | 6,474 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7204% | 444 |
| Cost of funding earning assets | 1.9120% | 3,397 |
| Net interest margin | 4.8083% | 684 |
| Noninterest income to average assets | 0.4680% | 4,666 |
| Noninterest expense to average assets | 3.6734% | 1,974 |
| Loan and lease loss provision to assets | 0.2450% | 5,426 |
| Net operating income to assets | 0.8177% | 2,462 |
| Return on assets (ROA) | 1.0959% | 1,562 |
| Pretax return on assets | 1.3951% | 1,449 |
| Return on Equity (ROE) | 8.7721% | 2,098 |
| Retained earnings to average equity (ytd only) | 0.1409% | 4,823 |
| Net charge-offs to loans | 0.5281% | 3,673 |
| Credit loss provision to net charge-offs | 100.6024% | 5,483 |
| Earnings coverage of net charge-offs (x) | 5.2892% | 2,638 |
| Efficiency ratio | 74.0390% | 3,889 |
| Assets per employee ($millions) | 2.2913% | 7,479 |
| Cash dividends to net income (ytd only)* | 98.3936% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4455% | 7,715 |
| Loan loss allowance to noncurrent loans | 29.7352% | 6,487 |
| Noncurrent assets plus other real estate owned to assets | 0.7143% | 5,683 |
| Noncurrent loans to loans | 1.4984% | 4,420 |
| Net loans and leases to total assets | 47.4592% | 6,852 |
| Net loans and leases to deposits | 55.3345% | 6,963 |
| Net loans and leases to core deposits | 90.2185% | 5,102 |
| Total domestic deposits to total assets | 85.7679% | 3,128 |
| Equity capital to assets | 12.2536% | 1,877 |
| Core capital (leverage) ratio | 11.6003% | 1,866 |
| Tier 1 risk-based capital ratio | 24.7975% | 863 |
| Total risk-based capital ratio | 25.2524% | 926 |
| Memoranda: | ||
| Average total assets | $68,166,000 | 6,068 |
| Average earning assets | $63,702,000 | 6,008 |
| Average equity | $8,515,600 | 5,763 |
| Average total loans | $31,433,400 | 6,558 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7378% | 473 |
| Cost of funding earning assets | 1.9834% | 3,452 |
| Net interest margin | 4.7544% | 748 |
| Noninterest income to average assets | 0.4626% | 4,799 |
| Noninterest expense to average assets | 3.5830% | 2,065 |
| Loan and lease loss provision to assets | 0.1901% | 5,474 |
| Net operating income to assets | 0.8763% | 2,518 |
| Return on assets (ROA) | 1.0800% | 1,847 |
| Pretax return on assets | 1.4034% | 1,685 |
| Return on Equity (ROE) | 8.6037% | 2,409 |
| Retained earnings to average equity (ytd only) | 8.6037% | 943 |
| Net charge-offs to loans | 0.3301% | 3,984 |
| Credit loss provision to net charge-offs | 125.9740% | 3,995 |
| Earnings coverage of net charge-offs (x) | 8.8056% | 2,196 |
| Efficiency ratio | 72.9449% | 4,063 |
| Assets per employee ($millions) | 2.3638% | 7,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5047% | 7,707 |
| Loan loss allowance to noncurrent loans | 59.5668% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 6,442 |
| Noncurrent loans to loans | 0.8473% | 5,603 |
| Net loans and leases to total assets | 47.4536% | 7,001 |
| Net loans and leases to deposits | 55.3883% | 7,125 |
| Net loans and leases to core deposits | 91.3300% | 5,297 |
| Total domestic deposits to total assets | 85.6745% | 2,874 |
| Equity capital to assets | 13.2124% | 1,619 |
| Core capital (leverage) ratio | 12.3118% | 1,662 |
| Tier 1 risk-based capital ratio | 26.8535% | 759 |
| Total risk-based capital ratio | 27.3750% | 795 |
| Memoranda: | ||
| Average total assets | $68,022,750 | 6,102 |
| Average earning assets | $63,659,000 | 6,053 |
| Average equity | $8,538,750 | 5,811 |
| Average total loans | $31,099,500 | 6,622 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6115% | 649 |
| Cost of funding earning assets | 2.0549% | 3,500 |
| Net interest margin | 4.5566% | 1,044 |
| Noninterest income to average assets | 0.5277% | 4,209 |
| Noninterest expense to average assets | 3.4872% | 2,375 |
| Loan and lease loss provision to assets | 0.1769% | 5,277 |
| Net operating income to assets | 0.8617% | 2,605 |
| Return on assets (ROA) | 1.0700% | 1,950 |
| Pretax return on assets | 1.4061% | 1,709 |
| Return on Equity (ROE) | 8.6780% | 2,489 |
| Retained earnings to average equity (ytd only) | 8.6780% | 1,015 |
| Net charge-offs to loans | 0.4057% | 3,170 |
| Credit loss provision to net charge-offs | 96.7742% | 4,712 |
| Earnings coverage of net charge-offs (x) | 7.1613% | 2,486 |
| Efficiency ratio | 72.7105% | 4,267 |
| Assets per employee ($millions) | 2.3969% | 7,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4475% | 7,846 |
| Loan loss allowance to noncurrent loans | 94.7020% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 6,963 |
| Noncurrent loans to loans | 0.4726% | 6,344 |
| Net loans and leases to total assets | 45.7640% | 7,212 |
| Net loans and leases to deposits | 52.6533% | 7,348 |
| Net loans and leases to core deposits | 88.7460% | 5,657 |
| Total domestic deposits to total assets | 86.9157% | 2,297 |
| Equity capital to assets | 12.2513% | 2,053 |
| Core capital (leverage) ratio | 12.0700% | 1,806 |
| Tier 1 risk-based capital ratio | 26.1891% | 843 |
| Total risk-based capital ratio | 26.6398% | 888 |
| Memoranda: | ||
| Average total assets | $67,847,330 | 6,160 |
| Average earning assets | $63,555,670 | 6,090 |
| Average equity | $8,366,000 | 5,893 |
| Average total loans | $30,568,000 | 6,701 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6423% | 647 |
| Cost of funding earning assets | 2.1161% | 3,576 |
| Net interest margin | 4.5262% | 1,076 |
| Noninterest income to average assets | 0.6685% | 3,084 |
| Noninterest expense to average assets | 3.5872% | 1,891 |
| Loan and lease loss provision to assets | 0.1194% | 5,436 |
| Net operating income to assets | 0.9132% | 2,643 |
| Return on assets (ROA) | 0.9132% | 2,787 |
| Pretax return on assets | 1.1878% | 2,667 |
| Return on Equity (ROE) | 7.3815% | 3,431 |
| Retained earnings to average equity (ytd only) | 7.3815% | 2,062 |
| Net charge-offs to loans | 0.2812% | 2,991 |
| Credit loss provision to net charge-offs | 95.2381% | 3,887 |
| Earnings coverage of net charge-offs (x) | 10.4286% | 1,953 |
| Efficiency ratio | 73.2927% | 3,949 |
| Assets per employee ($millions) | 2.3447% | 7,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4818% | 7,845 |
| Loan loss allowance to noncurrent loans | 62.8821% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 6,505 |
| Noncurrent loans to loans | 0.7662% | 5,515 |
| Net loans and leases to total assets | 43.7415% | 7,365 |
| Net loans and leases to deposits | 50.5679% | 7,470 |
| Net loans and leases to core deposits | 83.1409% | 6,135 |
| Total domestic deposits to total assets | 86.5005% | 2,444 |
| Equity capital to assets | 12.5053% | 1,968 |
| Core capital (leverage) ratio | 12.1178% | 1,845 |
| Tier 1 risk-based capital ratio | 27.6121% | 778 |
| Total risk-based capital ratio | 28.1029% | 812 |
| Memoranda: | ||
| Average total assets | $67,015,500 | 6,216 |
| Average earning assets | $62,568,500 | 6,153 |
| Average equity | $8,291,000 | 5,960 |
| Average total loans | $29,875,000 | 6,772 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9339% | 1,297 |
| Cost of funding earning assets | 2.3057% | 5,121 |
| Net interest margin | 4.6283% | 1,101 |
| Noninterest income to average assets | 0.3612% | 5,826 |
| Noninterest expense to average assets | 3.3130% | 2,928 |
| Loan and lease loss provision to assets | 0.2060% | 4,831 |
| Net operating income to assets | 0.8629% | 3,156 |
| Return on assets (ROA) | 0.8746% | 2,963 |
| Pretax return on assets | 1.1804% | 2,723 |
| Return on Equity (ROE) | 6.7857% | 3,628 |
| Retained earnings to average equity (ytd only) | 0.0123% | 5,234 |
| Net charge-offs to loans | 0.3359% | 3,151 |
| Credit loss provision to net charge-offs | 135.4167% | 3,938 |
| Earnings coverage of net charge-offs (x) | 9.0104% | 2,772 |
| Efficiency ratio | 70.7375% | 4,189 |
| Assets per employee ($millions) | 2.2012% | 7,709 |
| Cash dividends to net income (ytd only)* | 99.8188% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4855% | 7,870 |
| Loan loss allowance to noncurrent loans | 100.6944% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 6,699 |
| Noncurrent loans to loans | 0.4822% | 5,897 |
| Net loans and leases to total assets | 45.0042% | 7,407 |
| Net loans and leases to deposits | 52.2018% | 7,524 |
| Net loans and leases to core deposits | 87.1985% | 6,042 |
| Total domestic deposits to total assets | 86.2121% | 2,308 |
| Equity capital to assets | 12.2342% | 2,147 |
| Core capital (leverage) ratio | 12.1119% | 1,916 |
| Tier 1 risk-based capital ratio | 27.3130% | 811 |
| Total risk-based capital ratio | 27.8114% | 841 |
| Memoranda: | ||
| Average total assets | $63,114,600 | 6,272 |
| Average earning assets | $58,942,000 | 6,222 |
| Average equity | $8,134,800 | 6,029 |
| Average total loans | $28,576,600 | 6,791 |