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 | 4.8805% | 2,322 |
| Cost of funding earning assets | 1.4816% | 1,986 |
| Net interest margin | 3.3989% | 2,404 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 3.5226% | 566 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2949% | 4,036 |
| Return on assets (ROA) | 0.2998% | 4,023 |
| Pretax return on assets | 0.2998% | 4,090 |
| Return on Equity (ROE) | 4.3000% | 3,847 |
| Retained earnings to average equity (ytd only) | -7.5080% | 4,435 |
| Net charge-offs to loans | 0.0192% | 1,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 20.2333% | 1,866 |
| Efficiency ratio | 92.2744% | 358 |
| Assets per employee ($millions) | 3.3040% | 4,325 |
| Cash dividends to net income (ytd only)* | 274.7164% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 2,912 |
| Loan loss allowance to noncurrent loans | 471.3936% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 2,335 |
| Noncurrent loans to loans | 0.2300% | 2,398 |
| Net loans and leases to total assets | 77.1400% | 959 |
| Net loans and leases to deposits | 93.2161% | 1,000 |
| Net loans and leases to core deposits | 110.1503% | 961 |
| Total domestic deposits to total assets | 82.7600% | 2,951 |
| Equity capital to assets | 7.3012% | 3,815 |
| Core capital (leverage) ratio | 7.9593% | 4,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2008% | 2,790 |
| Memoranda: | ||
| Average total assets | $205,812,400 | 2,948 |
| Average earning assets | $193,444,600 | 2,921 |
| Average equity | $14,358,000 | 3,312 |
| Average total loans | $156,537,400 | 2,622 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7544% | 2,363 |
| Cost of funding earning assets | 1.3548% | 1,989 |
| Net interest margin | 3.3996% | 2,459 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 3.4785% | 566 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3329% | 4,077 |
| Return on assets (ROA) | 0.3402% | 4,071 |
| Pretax return on assets | 0.3295% | 4,133 |
| Return on Equity (ROE) | 4.9400% | 3,817 |
| Retained earnings to average equity (ytd only) | -9.5165% | 4,500 |
| Net charge-offs to loans | -0.0123% | 3,990 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 91.5222% | 331 |
| Assets per employee ($millions) | 3.4185% | 4,337 |
| Cash dividends to net income (ytd only)* | 292.5636% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 2,721 |
| Loan loss allowance to noncurrent loans | 798.3806% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 2,832 |
| Noncurrent loans to loans | 0.1417% | 2,841 |
| Net loans and leases to total assets | 77.5600% | 935 |
| Net loans and leases to deposits | 93.5896% | 934 |
| Net loans and leases to core deposits | 107.6199% | 953 |
| Total domestic deposits to total assets | 82.8800% | 3,039 |
| Equity capital to assets | 7.0131% | 3,603 |
| Core capital (leverage) ratio | 8.0664% | 4,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3334% | 2,764 |
| Memoranda: | ||
| Average total assets | $200,271,500 | 2,995 |
| Average earning assets | $188,564,000 | 2,962 |
| Average equity | $13,786,250 | 3,353 |
| Average total loans | $151,223,000 | 2,672 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6061% | 2,404 |
| Cost of funding earning assets | 1.2165% | 1,939 |
| Net interest margin | 3.3896% | 2,548 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 3.3447% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2801% | 4,182 |
| Return on assets (ROA) | 0.2809% | 4,212 |
| Pretax return on assets | 0.3659% | 4,163 |
| Return on Equity (ROE) | 4.1100% | 4,016 |
| Retained earnings to average equity (ytd only) | 2.2901% | 3,650 |
| Net charge-offs to loans | -0.0195% | 4,117 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 90.1649% | 348 |
| Assets per employee ($millions) | 3.5382% | 4,338 |
| Cash dividends to net income (ytd only)* | 44.2804% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 2,666 |
| Loan loss allowance to noncurrent loans | 2,404.8780% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 3,413 |
| Noncurrent loans to loans | 0.0482% | 3,371 |
| Net loans and leases to total assets | 75.4500% | 1,109 |
| Net loans and leases to deposits | 89.1411% | 1,251 |
| Net loans and leases to core deposits | 104.7150% | 1,025 |
| Total domestic deposits to total assets | 84.6400% | 2,647 |
| Equity capital to assets | 7.1631% | 3,708 |
| Core capital (leverage) ratio | 8.2049% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3805% | 2,787 |
| Memoranda: | ||
| Average total assets | $192,962,000 | 3,046 |
| Average earning assets | $181,671,000 | 3,018 |
| Average equity | $13,187,333 | 3,420 |
| Average total loans | $143,523,667 | 2,738 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 2,816 |
| Cost of funding earning assets | 0.9876% | 2,088 |
| Net interest margin | 3.3053% | 2,864 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 3.2002% | 797 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2589% | 4,301 |
| Return on assets (ROA) | 0.2607% | 4,266 |
| Pretax return on assets | 0.3371% | 4,226 |
| Return on Equity (ROE) | 3.9300% | 4,046 |
| Retained earnings to average equity (ytd only) | 3.9330% | 3,288 |
| Net charge-offs to loans | -0.0492% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 90.5277% | 341 |
| Assets per employee ($millions) | 3.6053% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 1,304 |
| Loan loss allowance to noncurrent loans | 2,350.0000% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 3,319 |
| Noncurrent loans to loans | 0.0634% | 3,279 |
| Net loans and leases to total assets | 72.3800% | 1,386 |
| Net loans and leases to deposits | 81.5259% | 1,702 |
| Net loans and leases to core deposits | 106.2148% | 828 |
| Total domestic deposits to total assets | 88.7800% | 1,623 |
| Equity capital to assets | 6.6906% | 3,969 |
| Core capital (leverage) ratio | 8.8326% | 3,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5014% | 2,175 |
| Memoranda: | ||
| Average total assets | $177,990,000 | 3,195 |
| Average earning assets | $169,303,500 | 3,152 |
| Average equity | $11,797,500 | 3,588 |
| Average total loans | $130,206,000 | 2,889 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7976% | 2,286 |
| Cost of funding earning assets | 0.3371% | 2,574 |
| Net interest margin | 3.4605% | 2,063 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 3.4282% | 531 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3478% | 4,319 |
| Return on assets (ROA) | 0.3540% | 4,270 |
| Pretax return on assets | 0.4624% | 4,218 |
| Return on Equity (ROE) | 4.6800% | 4,067 |
| Retained earnings to average equity (ytd only) | 2.8078% | 3,776 |
| Net charge-offs to loans | -0.0258% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 88.2928% | 350 |
| Assets per employee ($millions) | 3.4454% | 4,451 |
| Cash dividends to net income (ytd only)* | 39.9660% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 1,118 |
| Loan loss allowance to noncurrent loans | 1,812.9630% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 3,190 |
| Noncurrent loans to loans | 0.0844% | 3,152 |
| Net loans and leases to total assets | 71.7100% | 1,448 |
| Net loans and leases to deposits | 82.2509% | 1,599 |
| Net loans and leases to core deposits | 91.1056% | 1,450 |
| Total domestic deposits to total assets | 87.1900% | 2,331 |
| Equity capital to assets | 6.5641% | 3,878 |
| Core capital (leverage) ratio | 8.9912% | 3,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0691% | 2,342 |
| Memoranda: | ||
| Average total assets | $166,094,600 | 3,294 |
| Average earning assets | $156,941,000 | 3,266 |
| Average equity | $12,572,200 | 3,613 |
| Average total loans | $112,484,000 | 3,002 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7123% | 2,007 |
| Cost of funding earning assets | 0.2547% | 2,657 |
| Net interest margin | 3.4576% | 1,784 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 3.4406% | 509 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3971% | 4,244 |
| Return on assets (ROA) | 0.4048% | 4,175 |
| Pretax return on assets | 0.5319% | 4,099 |
| Return on Equity (ROE) | 5.1600% | 3,956 |
| Retained earnings to average equity (ytd only) | 3.9692% | 3,453 |
| Net charge-offs to loans | -0.0356% | 4,198 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.8243% | 424 |
| Assets per employee ($millions) | 3.1313% | 4,555 |
| Cash dividends to net income (ytd only)* | 23.1388% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5919% | 1,079 |
| Loan loss allowance to noncurrent loans | 1,732.7434% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 3,221 |
| Noncurrent loans to loans | 0.0919% | 3,223 |
| Net loans and leases to total assets | 71.5800% | 1,335 |
| Net loans and leases to deposits | 79.8906% | 1,580 |
| Net loans and leases to core deposits | 89.5583% | 1,323 |
| Total domestic deposits to total assets | 89.6000% | 1,828 |
| Equity capital to assets | 6.4883% | 3,744 |
| Core capital (leverage) ratio | 9.1657% | 3,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3931% | 2,316 |
| Memoranda: | ||
| Average total assets | $163,690,000 | 3,346 |
| Average earning assets | $154,438,000 | 3,310 |
| Average equity | $12,831,750 | 3,629 |
| Average total loans | $108,613,000 | 3,053 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6348% | 1,735 |
| Cost of funding earning assets | 0.1865% | 3,093 |
| Net interest margin | 3.4483% | 1,462 |
| Noninterest income to average assets | 0.8005% | 1,040 |
| Noninterest expense to average assets | 3.2874% | 556 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5665% | 3,713 |
| Return on assets (ROA) | 0.5782% | 3,631 |
| Pretax return on assets | 0.7721% | 3,397 |
| Return on Equity (ROE) | 6.9581% | 3,324 |
| Retained earnings to average equity (ytd only) | 5.2483% | 2,611 |
| Net charge-offs to loans | -0.0231% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2767% | 851 |
| Assets per employee ($millions) | 3.1229% | 4,616 |
| Cash dividends to net income (ytd only)* | 24.5726% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7455% | 880 |
| Loan loss allowance to noncurrent loans | 1,673.2759% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 3,287 |
| Noncurrent loans to loans | 0.1043% | 3,228 |
| Net loans and leases to total assets | 64.7914% | 1,823 |
| Net loans and leases to deposits | 72.4278% | 1,995 |
| Net loans and leases to core deposits | 77.5137% | 1,890 |
| Total domestic deposits to total assets | 89.4565% | 1,972 |
| Equity capital to assets | 7.2097% | 3,656 |
| Core capital (leverage) ratio | 9.5903% | 2,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0049% | 2,057 |
| Memoranda: | ||
| Average total assets | $161,890,000 | 3,393 |
| Average earning assets | $152,306,000 | 3,375 |
| Average equity | $13,452,000 | 3,640 |
| Average total loans | $103,818,333 | 3,137 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5979% | 1,511 |
| Cost of funding earning assets | 0.1683% | 3,242 |
| Net interest margin | 3.4297% | 1,235 |
| Noninterest income to average assets | 0.6359% | 1,549 |
| Noninterest expense to average assets | 2.9650% | 863 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6938% | 3,082 |
| Return on assets (ROA) | 0.7217% | 2,967 |
| Pretax return on assets | 0.9463% | 2,610 |
| Return on Equity (ROE) | 8.1141% | 2,646 |
| Retained earnings to average equity (ytd only) | 8.1141% | 1,546 |
| Net charge-offs to loans | -0.0160% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4974% | 1,463 |
| Assets per employee ($millions) | 3.2304% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8259% | 840 |
| Loan loss allowance to noncurrent loans | 1,610.8333% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 3,327 |
| Noncurrent loans to loans | 0.1134% | 3,261 |
| Net loans and leases to total assets | 64.3442% | 1,581 |
| Net loans and leases to deposits | 73.1078% | 1,685 |
| Net loans and leases to core deposits | 73.8333% | 1,953 |
| Total domestic deposits to total assets | 88.0128% | 2,519 |
| Equity capital to assets | 8.1760% | 3,426 |
| Core capital (leverage) ratio | 9.7320% | 2,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7218% | 1,910 |
| Memoranda: | ||
| Average total assets | $158,517,500 | 3,435 |
| Average earning assets | $149,752,000 | 3,410 |
| Average equity | $14,099,000 | 3,647 |
| Average total loans | $100,126,500 | 3,186 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0867% | 1,188 |
| Cost of funding earning assets | 0.2386% | 3,056 |
| Net interest margin | 3.8481% | 923 |
| Noninterest income to average assets | 1.0152% | 972 |
| Noninterest expense to average assets | 3.7471% | 370 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6921% | 3,648 |
| Return on assets (ROA) | 0.6942% | 3,697 |
| Pretax return on assets | 0.9055% | 3,501 |
| Return on Equity (ROE) | 6.9173% | 3,536 |
| Retained earnings to average equity (ytd only) | 5.4179% | 2,610 |
| Net charge-offs to loans | -0.2525% | 4,735 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5839% | 772 |
| Assets per employee ($millions) | 2.8799% | 4,706 |
| Cash dividends to net income (ytd only)* | 21.6763% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0436% | 570 |
| Loan loss allowance to noncurrent loans | 1,568.2927% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 3,396 |
| Noncurrent loans to loans | 0.1303% | 3,281 |
| Net loans and leases to total assets | 59.4555% | 2,215 |
| Net loans and leases to deposits | 66.3302% | 2,482 |
| Net loans and leases to core deposits | 66.8800% | 2,742 |
| Total domestic deposits to total assets | 89.6356% | 1,151 |
| Equity capital to assets | 9.6404% | 3,003 |
| Core capital (leverage) ratio | 9.7692% | 2,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0436% | 1,494 |
| Memoranda: | ||
| Average total assets | $149,529,400 | 3,488 |
| Average earning assets | $141,239,000 | 3,460 |
| Average equity | $15,005,800 | 3,633 |
| Average total loans | $91,864,800 | 3,312 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0859% | 1,337 |
| Cost of funding earning assets | 0.2570% | 3,047 |
| Net interest margin | 3.8289% | 1,062 |
| Noninterest income to average assets | 1.0925% | 930 |
| Noninterest expense to average assets | 3.5685% | 420 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8690% | 3,326 |
| Return on assets (ROA) | 0.8719% | 3,394 |
| Pretax return on assets | 1.1511% | 3,074 |
| Return on Equity (ROE) | 8.5989% | 3,232 |
| Retained earnings to average equity (ytd only) | 7.6218% | 2,172 |
| Net charge-offs to loans | -0.3390% | 4,817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6684% | 1,060 |
| Assets per employee ($millions) | 2.6492% | 4,802 |
| Cash dividends to net income (ytd only)* | 11.3636% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1763% | 477 |
| Loan loss allowance to noncurrent loans | 499.7409% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 2,519 |
| Noncurrent loans to loans | 0.4355% | 2,251 |
| Net loans and leases to total assets | 56.4304% | 2,681 |
| Net loans and leases to deposits | 65.5283% | 2,676 |
| Net loans and leases to core deposits | 65.9830% | 2,958 |
| Total domestic deposits to total assets | 86.1161% | 2,704 |
| Equity capital to assets | 9.9660% | 2,935 |
| Core capital (leverage) ratio | 9.8948% | 2,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8602% | 1,376 |
| Memoranda: | ||
| Average total assets | $148,033,500 | 3,534 |
| Average earning assets | $140,088,000 | 3,507 |
| Average equity | $15,009,250 | 3,682 |
| Average total loans | $91,233,500 | 3,361 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3459% | 929 |
| Cost of funding earning assets | 0.2690% | 3,098 |
| Net interest margin | 4.0769% | 727 |
| Noninterest income to average assets | 1.1248% | 895 |
| Noninterest expense to average assets | 3.6412% | 390 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0107% | 2,854 |
| Return on assets (ROA) | 1.0140% | 2,925 |
| Pretax return on assets | 1.3451% | 2,497 |
| Return on Equity (ROE) | 9.9410% | 2,763 |
| Retained earnings to average equity (ytd only) | 8.4653% | 1,910 |
| Net charge-offs to loans | -0.3322% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0843% | 1,330 |
| Assets per employee ($millions) | 2.9159% | 4,799 |
| Cash dividends to net income (ytd only)* | 14.8448% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0472% | 556 |
| Loan loss allowance to noncurrent loans | 473.1458% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.2579% | 2,636 |
| Noncurrent loans to loans | 0.4327% | 2,381 |
| Net loans and leases to total assets | 58.3784% | 2,612 |
| Net loans and leases to deposits | 67.8294% | 2,633 |
| Net loans and leases to core deposits | 68.3046% | 2,932 |
| Total domestic deposits to total assets | 86.0666% | 2,719 |
| Equity capital to assets | 9.9698% | 2,880 |
| Core capital (leverage) ratio | 10.1850% | 2,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4660% | 1,481 |
| Memoranda: | ||
| Average total assets | $146,160,333 | 3,560 |
| Average earning assets | $138,292,667 | 3,535 |
| Average equity | $14,908,000 | 3,691 |
| Average total loans | $92,099,333 | 3,369 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0011% | 1,609 |
| Cost of funding earning assets | 0.2896% | 3,102 |
| Net interest margin | 3.7115% | 1,308 |
| Noninterest income to average assets | 1.1379% | 937 |
| Noninterest expense to average assets | 3.3327% | 575 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9906% | 2,837 |
| Return on assets (ROA) | 0.9928% | 2,926 |
| Pretax return on assets | 1.3108% | 2,540 |
| Return on Equity (ROE) | 9.6184% | 2,814 |
| Retained earnings to average equity (ytd only) | 9.6184% | 1,763 |
| Net charge-offs to loans | -0.7185% | 4,907 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8149% | 1,514 |
| Assets per employee ($millions) | 3.2175% | 4,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0015% | 596 |
| Loan loss allowance to noncurrent loans | 210.3837% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.6258% | 1,517 |
| Noncurrent loans to loans | 0.9514% | 1,424 |
| Net loans and leases to total assets | 64.4647% | 1,986 |
| Net loans and leases to deposits | 72.5123% | 2,264 |
| Net loans and leases to core deposits | 73.0369% | 2,609 |
| Total domestic deposits to total assets | 88.9018% | 1,389 |
| Equity capital to assets | 10.5134% | 2,261 |
| Core capital (leverage) ratio | 10.3496% | 2,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2823% | 1,224 |
| Memoranda: | ||
| Average total assets | $143,428,000 | 3,600 |
| Average earning assets | $135,364,000 | 3,572 |
| Average equity | $14,805,000 | 3,708 |
| Average total loans | $92,965,000 | 3,363 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3228% | 1,793 |
| Cost of funding earning assets | 0.4805% | 3,074 |
| Net interest margin | 3.8423% | 1,385 |
| Noninterest income to average assets | 1.3466% | 643 |
| Noninterest expense to average assets | 3.6652% | 553 |
| Loan and lease loss provision to assets | 0.1177% | 2,886 |
| Net operating income to assets | 0.8853% | 2,762 |
| Return on assets (ROA) | 0.8859% | 2,898 |
| Pretax return on assets | 1.1743% | 2,422 |
| Return on Equity (ROE) | 8.0925% | 2,776 |
| Retained earnings to average equity (ytd only) | 5.7392% | 1,937 |
| Net charge-offs to loans | -0.2489% | 4,914 |
| Credit loss provision to net charge-offs | -69.5455% | 3,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9488% | 1,453 |
| Assets per employee ($millions) | 3.2285% | 4,747 |
| Cash dividends to net income (ytd only)* | 29.0799% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8286% | 815 |
| Loan loss allowance to noncurrent loans | 154.4131% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.7564% | 1,361 |
| Noncurrent loans to loans | 1.1842% | 1,193 |
| Net loans and leases to total assets | 62.7082% | 2,519 |
| Net loans and leases to deposits | 70.3655% | 2,840 |
| Net loans and leases to core deposits | 70.8580% | 3,190 |
| Total domestic deposits to total assets | 89.1179% | 936 |
| Equity capital to assets | 10.1360% | 2,995 |
| Core capital (leverage) ratio | 10.4890% | 2,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7113% | 1,623 |
| Memoranda: | ||
| Average total assets | $130,032,400 | 3,625 |
| Average earning assets | $122,165,400 | 3,602 |
| Average equity | $14,235,400 | 3,725 |
| Average total loans | $88,389,800 | 3,426 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 1,503 |
| Cost of funding earning assets | 0.5312% | 3,042 |
| Net interest margin | 3.9996% | 1,118 |
| Noninterest income to average assets | 1.1503% | 792 |
| Noninterest expense to average assets | 3.5609% | 646 |
| Loan and lease loss provision to assets | 0.1616% | 2,383 |
| Net operating income to assets | 0.8928% | 2,734 |
| Return on assets (ROA) | 0.8937% | 2,847 |
| Pretax return on assets | 1.1831% | 2,448 |
| Return on Equity (ROE) | 7.9926% | 2,811 |
| Retained earnings to average equity (ytd only) | 7.0006% | 1,689 |
| Net charge-offs to loans | -0.3360% | 4,956 |
| Credit loss provision to net charge-offs | -69.5455% | 3,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6039% | 1,563 |
| Assets per employee ($millions) | 2.8436% | 4,873 |
| Cash dividends to net income (ytd only)* | 12.4113% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8797% | 613 |
| Loan loss allowance to noncurrent loans | 147.9512% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.8582% | 1,354 |
| Noncurrent loans to loans | 1.2705% | 1,175 |
| Net loans and leases to total assets | 66.2803% | 2,486 |
| Net loans and leases to deposits | 75.0735% | 2,841 |
| Net loans and leases to core deposits | 76.7863% | 3,112 |
| Total domestic deposits to total assets | 88.2872% | 1,067 |
| Equity capital to assets | 10.9593% | 2,426 |
| Core capital (leverage) ratio | 10.7184% | 2,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4905% | 1,134 |
| Memoranda: | ||
| Average total assets | $126,219,500 | 3,665 |
| Average earning assets | $118,474,750 | 3,630 |
| Average equity | $14,112,750 | 3,747 |
| Average total loans | $87,286,750 | 3,465 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 1,429 |
| Cost of funding earning assets | 0.5901% | 3,016 |
| Net interest margin | 4.0997% | 1,113 |
| Noninterest income to average assets | 1.0425% | 914 |
| Noninterest expense to average assets | 3.5105% | 740 |
| Loan and lease loss provision to assets | 0.2473% | 1,702 |
| Net operating income to assets | 0.8676% | 2,814 |
| Return on assets (ROA) | 0.8663% | 2,937 |
| Pretax return on assets | 1.1459% | 2,561 |
| Return on Equity (ROE) | 7.6930% | 2,863 |
| Retained earnings to average equity (ytd only) | 6.1860% | 1,997 |
| Net charge-offs to loans | -0.3268% | 4,981 |
| Credit loss provision to net charge-offs | -108.5106% | 3,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5651% | 1,750 |
| Assets per employee ($millions) | 3.0828% | 4,832 |
| Cash dividends to net income (ytd only)* | 19.5896% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7606% | 714 |
| Loan loss allowance to noncurrent loans | 121.2894% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.0063% | 1,194 |
| Noncurrent loans to loans | 1.4516% | 1,053 |
| Net loans and leases to total assets | 68.1068% | 2,335 |
| Net loans and leases to deposits | 79.7447% | 2,456 |
| Net loans and leases to core deposits | 81.8463% | 2,786 |
| Total domestic deposits to total assets | 85.4060% | 2,238 |
| Equity capital to assets | 10.8252% | 2,484 |
| Core capital (leverage) ratio | 11.1441% | 1,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3989% | 1,386 |
| Memoranda: | ||
| Average total assets | $123,743,000 | 3,680 |
| Average earning assets | $116,594,000 | 3,642 |
| Average equity | $13,934,667 | 3,778 |
| Average total loans | $86,289,000 | 3,477 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4670% | 2,400 |
| Cost of funding earning assets | 0.6720% | 3,049 |
| Net interest margin | 3.7950% | 1,996 |
| Noninterest income to average assets | 0.7073% | 1,627 |
| Noninterest expense to average assets | 3.3452% | 1,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7341% | 3,154 |
| Return on assets (ROA) | 0.7341% | 3,238 |
| Pretax return on assets | 0.9587% | 2,968 |
| Return on Equity (ROE) | 6.3816% | 3,183 |
| Retained earnings to average equity (ytd only) | 6.3816% | 1,757 |
| Net charge-offs to loans | -0.1581% | 4,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7259% | 1,373 |
| Assets per employee ($millions) | 2.6146% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6080% | 1,050 |
| Loan loss allowance to noncurrent loans | 94.6304% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.2188% | 1,003 |
| Noncurrent loans to loans | 1.6992% | 892 |
| Net loans and leases to total assets | 70.5750% | 2,157 |
| Net loans and leases to deposits | 80.5188% | 2,625 |
| Net loans and leases to core deposits | 82.9181% | 2,940 |
| Total domestic deposits to total assets | 87.6503% | 1,252 |
| Equity capital to assets | 11.7717% | 2,235 |
| Core capital (leverage) ratio | 11.5272% | 2,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5339% | 1,226 |
| Memoranda: | ||
| Average total assets | $119,334,000 | 3,712 |
| Average earning assets | $113,096,000 | 3,665 |
| Average equity | $13,727,000 | 3,806 |
| Average total loans | $83,483,000 | 3,527 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4943% | 2,965 |
| Cost of funding earning assets | 0.7001% | 3,157 |
| Net interest margin | 3.7942% | 2,516 |
| Noninterest income to average assets | 0.5687% | 2,379 |
| Noninterest expense to average assets | 3.5669% | 881 |
| Loan and lease loss provision to assets | -0.0294% | 4,976 |
| Net operating income to assets | 0.5056% | 4,392 |
| Return on assets (ROA) | 0.5056% | 4,444 |
| Pretax return on assets | 0.6378% | 4,354 |
| Return on Equity (ROE) | 4.3731% | 4,379 |
| Retained earnings to average equity (ytd only) | 2.8407% | 3,620 |
| Net charge-offs to loans | 0.2147% | 953 |
| Credit loss provision to net charge-offs | -19.2090% | 4,121 |
| Earnings coverage of net charge-offs (x) | 3.9774% | 3,269 |
| Efficiency ratio | 85.4274% | 573 |
| Assets per employee ($millions) | 2.6892% | 4,947 |
| Cash dividends to net income (ytd only)* | 35.0427% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 966 |
| Loan loss allowance to noncurrent loans | 96.0116% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.2329% | 934 |
| Noncurrent loans to loans | 1.6700% | 825 |
| Net loans and leases to total assets | 67.1415% | 2,807 |
| Net loans and leases to deposits | 76.2274% | 3,155 |
| Net loans and leases to core deposits | 78.4123% | 3,424 |
| Total domestic deposits to total assets | 88.0806% | 1,096 |
| Equity capital to assets | 11.2418% | 2,768 |
| Core capital (leverage) ratio | 11.7314% | 1,936 |
| Tier 1 risk-based capital ratio | 16.1101% | 2,368 |
| Total risk-based capital ratio | 17.3631% | 2,313 |
| Memoranda: | ||
| Average total assets | $115,701,800 | 3,752 |
| Average earning assets | $109,983,200 | 3,708 |
| Average equity | $13,377,200 | 3,848 |
| Average total loans | $82,432,800 | 3,552 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4805% | 3,130 |
| Cost of funding earning assets | 0.7074% | 3,178 |
| Net interest margin | 3.7731% | 2,673 |
| Noninterest income to average assets | 0.5467% | 2,479 |
| Noninterest expense to average assets | 3.4343% | 1,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5432% | 4,423 |
| Return on assets (ROA) | 0.5432% | 4,476 |
| Pretax return on assets | 0.7064% | 4,329 |
| Return on Equity (ROE) | 4.6644% | 4,437 |
| Retained earnings to average equity (ytd only) | 3.6635% | 3,569 |
| Net charge-offs to loans | 0.2815% | 622 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 3.4828% | 3,097 |
| Efficiency ratio | 82.9392% | 692 |
| Assets per employee ($millions) | 2.6504% | 5,031 |
| Cash dividends to net income (ytd only)* | 21.4592% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7009% | 820 |
| Loan loss allowance to noncurrent loans | 108.1876% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.2547% | 986 |
| Noncurrent loans to loans | 1.5722% | 940 |
| Net loans and leases to total assets | 69.0156% | 2,623 |
| Net loans and leases to deposits | 78.9947% | 3,011 |
| Net loans and leases to core deposits | 81.4108% | 3,283 |
| Total domestic deposits to total assets | 87.3674% | 1,331 |
| Equity capital to assets | 11.9429% | 2,302 |
| Core capital (leverage) ratio | 11.9963% | 1,856 |
| Tier 1 risk-based capital ratio | 16.6491% | 2,207 |
| Total risk-based capital ratio | 17.9038% | 2,136 |
| Memoranda: | ||
| Average total assets | $114,374,000 | 3,815 |
| Average earning assets | $108,943,000 | 3,768 |
| Average equity | $13,320,500 | 3,883 |
| Average total loans | $82,397,500 | 3,591 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4245% | 3,266 |
| Cost of funding earning assets | 0.6941% | 3,202 |
| Net interest margin | 3.7304% | 2,829 |
| Noninterest income to average assets | 0.5292% | 2,511 |
| Noninterest expense to average assets | 3.4163% | 1,076 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5170% | 4,496 |
| Return on assets (ROA) | 0.5170% | 4,526 |
| Pretax return on assets | 0.6707% | 4,401 |
| Return on Equity (ROE) | 4.4768% | 4,474 |
| Retained earnings to average equity (ytd only) | 2.9644% | 3,732 |
| Net charge-offs to loans | 0.5241% | 297 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1.7615% | 2,993 |
| Efficiency ratio | 83.5897% | 683 |
| Assets per employee ($millions) | 3.0309% | 4,886 |
| Cash dividends to net income (ytd only)* | 33.7838% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6247% | 976 |
| Loan loss allowance to noncurrent loans | 75.6602% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.6720% | 637 |
| Noncurrent loans to loans | 2.1474% | 635 |
| Net loans and leases to total assets | 71.1612% | 2,348 |
| Net loans and leases to deposits | 81.3636% | 2,804 |
| Net loans and leases to core deposits | 83.8769% | 3,116 |
| Total domestic deposits to total assets | 87.4608% | 1,358 |
| Equity capital to assets | 11.9890% | 2,189 |
| Core capital (leverage) ratio | 11.9869% | 1,838 |
| Tier 1 risk-based capital ratio | 16.0337% | 2,398 |
| Total risk-based capital ratio | 17.2873% | 2,339 |
| Memoranda: | ||
| Average total assets | $114,509,670 | 3,837 |
| Average earning assets | $109,209,670 | 3,788 |
| Average equity | $13,223,670 | 3,899 |
| Average total loans | $83,191,330 | 3,592 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3830% | 3,295 |
| Cost of funding earning assets | 0.6991% | 3,059 |
| Net interest margin | 3.6839% | 2,953 |
| Noninterest income to average assets | 0.4391% | 2,917 |
| Noninterest expense to average assets | 3.2569% | 1,372 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5394% | 4,407 |
| Return on assets (ROA) | 0.5394% | 4,436 |
| Pretax return on assets | 0.6984% | 4,307 |
| Return on Equity (ROE) | 4.7586% | 4,394 |
| Retained earnings to average equity (ytd only) | 4.7586% | 3,021 |
| Net charge-offs to loans | 0.4322% | 351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.2198% | 2,515 |
| Efficiency ratio | 82.3427% | 840 |
| Assets per employee ($millions) | 3.1401% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7277% | 814 |
| Loan loss allowance to noncurrent loans | 68.8423% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.8860% | 545 |
| Noncurrent loans to loans | 2.5096% | 521 |
| Net loans and leases to total assets | 72.7101% | 2,042 |
| Net loans and leases to deposits | 83.0241% | 2,495 |
| Net loans and leases to core deposits | 85.5553% | 2,903 |
| Total domestic deposits to total assets | 87.5772% | 1,532 |
| Equity capital to assets | 11.7355% | 2,197 |
| Core capital (leverage) ratio | 11.4960% | 2,135 |
| Tier 1 risk-based capital ratio | 15.6998% | 2,570 |
| Total risk-based capital ratio | 16.9559% | 2,484 |
| Memoranda: | ||
| Average total assets | $115,692,500 | 3,866 |
| Average earning assets | $110,427,500 | 3,807 |
| Average equity | $13,113,000 | 3,927 |
| Average total loans | $84,226,500 | 3,606 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4240% | 2,684 |
| Cost of funding earning assets | 0.6315% | 2,514 |
| Net interest margin | 3.7925% | 2,687 |
| Noninterest income to average assets | 0.5049% | 2,813 |
| Noninterest expense to average assets | 3.2444% | 1,443 |
| Loan and lease loss provision to assets | -0.0394% | 5,171 |
| Net operating income to assets | 0.6794% | 4,203 |
| Return on assets (ROA) | 0.6794% | 4,209 |
| Pretax return on assets | 0.8967% | 3,908 |
| Return on Equity (ROE) | 6.4235% | 4,028 |
| Retained earnings to average equity (ytd only) | 4.8771% | 2,843 |
| Net charge-offs to loans | 0.1763% | 1,092 |
| Credit loss provision to net charge-offs | -30.3226% | 4,305 |
| Earnings coverage of net charge-offs (x) | 6.5935% | 3,075 |
| Efficiency ratio | 79.1002% | 1,030 |
| Assets per employee ($millions) | 3.1143% | 4,916 |
| Cash dividends to net income (ytd only)* | 24.0741% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8110% | 670 |
| Loan loss allowance to noncurrent loans | 85.8580% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 1.5396% | 753 |
| Noncurrent loans to loans | 2.1093% | 624 |
| Net loans and leases to total assets | 70.3709% | 2,516 |
| Net loans and leases to deposits | 79.7371% | 2,983 |
| Net loans and leases to core deposits | 82.0281% | 3,258 |
| Total domestic deposits to total assets | 88.2536% | 1,180 |
| Equity capital to assets | 10.9512% | 2,729 |
| Core capital (leverage) ratio | 11.4233% | 2,160 |
| Tier 1 risk-based capital ratio | 15.2382% | 2,724 |
| Total risk-based capital ratio | 16.4948% | 2,657 |
| Memoranda: | ||
| Average total assets | $119,220,200 | 3,802 |
| Average earning assets | $113,064,600 | 3,757 |
| Average equity | $12,610,000 | 3,942 |
| Average total loans | $87,897,000 | 3,514 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 2,535 |
| Cost of funding earning assets | 0.6328% | 2,252 |
| Net interest margin | 3.7954% | 2,665 |
| Noninterest income to average assets | 0.4521% | 3,152 |
| Noninterest expense to average assets | 3.2674% | 1,374 |
| Loan and lease loss provision to assets | 0.0391% | 3,221 |
| Net operating income to assets | 0.5660% | 4,598 |
| Return on assets (ROA) | 0.5660% | 4,604 |
| Pretax return on assets | 0.7412% | 4,441 |
| Return on Equity (ROE) | 5.3981% | 4,445 |
| Retained earnings to average equity (ytd only) | 4.3867% | 3,562 |
| Net charge-offs to loans | -0.2363% | 5,326 |
| Credit loss provision to net charge-offs | -22.2930% | 4,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7226% | 883 |
| Assets per employee ($millions) | 3.3493% | 4,728 |
| Cash dividends to net income (ytd only)* | 18.7372% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1979% | 365 |
| Loan loss allowance to noncurrent loans | 112.6021% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.4903% | 859 |
| Noncurrent loans to loans | 1.9519% | 769 |
| Net loans and leases to total assets | 73.2596% | 2,120 |
| Net loans and leases to deposits | 87.7034% | 2,188 |
| Net loans and leases to core deposits | 90.3486% | 2,631 |
| Total domestic deposits to total assets | 83.5311% | 3,109 |
| Equity capital to assets | 10.7595% | 2,887 |
| Core capital (leverage) ratio | 11.1566% | 2,450 |
| Tier 1 risk-based capital ratio | 14.5817% | 3,075 |
| Total risk-based capital ratio | 15.8436% | 2,992 |
| Memoranda: | ||
| Average total assets | $119,439,750 | 3,837 |
| Average earning assets | $113,151,000 | 3,797 |
| Average equity | $12,522,500 | 3,983 |
| Average total loans | $88,599,500 | 3,535 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 2,343 |
| Cost of funding earning assets | 0.6266% | 2,062 |
| Net interest margin | 3.7966% | 2,575 |
| Noninterest income to average assets | 0.4543% | 3,124 |
| Noninterest expense to average assets | 3.3068% | 1,307 |
| Loan and lease loss provision to assets | 0.0582% | 2,737 |
| Net operating income to assets | 0.5142% | 4,717 |
| Return on assets (ROA) | 0.5142% | 4,724 |
| Pretax return on assets | 0.6690% | 4,589 |
| Return on Equity (ROE) | 4.9470% | 4,565 |
| Retained earnings to average equity (ytd only) | 3.4261% | 3,866 |
| Net charge-offs to loans | -0.5041% | 5,438 |
| Credit loss provision to net charge-offs | -15.6250% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9719% | 838 |
| Assets per employee ($millions) | 3.1643% | 4,964 |
| Cash dividends to net income (ytd only)* | 30.7443% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3175% | 309 |
| Loan loss allowance to noncurrent loans | 108.4737% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 1.6006% | 800 |
| Noncurrent loans to loans | 2.1365% | 663 |
| Net loans and leases to total assets | 71.8942% | 2,294 |
| Net loans and leases to deposits | 85.8505% | 2,335 |
| Net loans and leases to core deposits | 89.0541% | 2,643 |
| Total domestic deposits to total assets | 83.7435% | 3,153 |
| Equity capital to assets | 10.6714% | 2,955 |
| Core capital (leverage) ratio | 11.0022% | 2,526 |
| Tier 1 risk-based capital ratio | 14.7666% | 2,984 |
| Total risk-based capital ratio | 16.0296% | 2,905 |
| Memoranda: | ||
| Average total assets | $120,177,330 | 3,859 |
| Average earning assets | $113,312,000 | 3,821 |
| Average equity | $12,492,330 | 4,009 |
| Average total loans | $88,862,670 | 3,545 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6599% | 1,408 |
| Cost of funding earning assets | 0.6260% | 1,871 |
| Net interest margin | 4.0340% | 1,613 |
| Noninterest income to average assets | 0.4108% | 3,390 |
| Noninterest expense to average assets | 3.0790% | 1,878 |
| Loan and lease loss provision to assets | 0.1150% | 1,642 |
| Net operating income to assets | 0.7755% | 3,810 |
| Return on assets (ROA) | 0.7755% | 3,808 |
| Pretax return on assets | 1.0285% | 3,432 |
| Return on Equity (ROE) | 7.5571% | 3,556 |
| Retained earnings to average equity (ytd only) | 7.5571% | 2,013 |
| Net charge-offs to loans | -1.2017% | 5,544 |
| Credit loss provision to net charge-offs | -12.9151% | 3,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9183% | 2,051 |
| Assets per employee ($millions) | 3.2014% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3218% | 314 |
| Loan loss allowance to noncurrent loans | 153.2234% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 1.1541% | 1,332 |
| Noncurrent loans to loans | 1.5153% | 1,162 |
| Net loans and leases to total assets | 72.5969% | 2,076 |
| Net loans and leases to deposits | 86.6941% | 2,082 |
| Net loans and leases to core deposits | 89.8829% | 2,458 |
| Total domestic deposits to total assets | 83.7391% | 3,423 |
| Equity capital to assets | 10.5867% | 2,988 |
| Core capital (leverage) ratio | 10.4814% | 2,964 |
| Tier 1 risk-based capital ratio | 14.7774% | 2,989 |
| Total risk-based capital ratio | 16.0414% | 2,905 |
| Memoranda: | ||
| Average total assets | $121,726,500 | 3,872 |
| Average earning assets | $115,023,000 | 3,830 |
| Average equity | $12,491,500 | 4,049 |
| Average total loans | $90,209,000 | 3,538 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3502% | 2,178 |
| Cost of funding earning assets | 0.5555% | 1,905 |
| Net interest margin | 3.7947% | 2,445 |
| Noninterest income to average assets | 0.4521% | 3,296 |
| Noninterest expense to average assets | 2.9310% | 2,344 |
| Loan and lease loss provision to assets | 0.1951% | 1,069 |
| Net operating income to assets | 0.6016% | 4,001 |
| Return on assets (ROA) | 0.6075% | 4,009 |
| Pretax return on assets | 0.9315% | 3,804 |
| Return on Equity (ROE) | 5.9492% | 3,783 |
| Retained earnings to average equity (ytd only) | 4.4518% | 2,480 |
| Net charge-offs to loans | 0.0869% | 2,225 |
| Credit loss provision to net charge-offs | 302.5641% | 936 |
| Earnings coverage of net charge-offs (x) | 17.3333% | 2,137 |
| Efficiency ratio | 72.3969% | 2,165 |
| Assets per employee ($millions) | 3.7880% | 4,297 |
| Cash dividends to net income (ytd only)* | 25.1701% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8813% | 672 |
| Loan loss allowance to noncurrent loans | 106.5604% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.3312% | 1,081 |
| Noncurrent loans to loans | 1.7655% | 909 |
| Net loans and leases to total assets | 72.5143% | 2,155 |
| Net loans and leases to deposits | 88.6660% | 1,937 |
| Net loans and leases to core deposits | 92.0198% | 2,380 |
| Total domestic deposits to total assets | 81.7836% | 3,917 |
| Equity capital to assets | 9.9542% | 3,753 |
| Core capital (leverage) ratio | 10.3393% | 3,027 |
| Tier 1 risk-based capital ratio | 13.8840% | 3,428 |
| Total risk-based capital ratio | 15.1414% | 3,331 |
| Memoranda: | ||
| Average total assets | $120,984,600 | 3,880 |
| Average earning assets | $114,661,400 | 3,834 |
| Average equity | $12,354,600 | 4,076 |
| Average total loans | $89,794,200 | 3,528 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 2,109 |
| Cost of funding earning assets | 0.5408% | 1,952 |
| Net interest margin | 3.8093% | 2,362 |
| Noninterest income to average assets | 0.4812% | 3,145 |
| Noninterest expense to average assets | 2.9782% | 2,172 |
| Loan and lease loss provision to assets | 0.1467% | 1,431 |
| Net operating income to assets | 0.6266% | 4,291 |
| Return on assets (ROA) | 0.6345% | 4,311 |
| Pretax return on assets | 0.9768% | 3,779 |
| Return on Equity (ROE) | 6.1732% | 4,045 |
| Retained earnings to average equity (ytd only) | 5.2002% | 2,745 |
| Net charge-offs to loans | -0.0374% | 5,074 |
| Credit loss provision to net charge-offs | -528.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8261% | 2,066 |
| Assets per employee ($millions) | 3.6632% | 4,497 |
| Cash dividends to net income (ytd only)* | 15.7623% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9165% | 679 |
| Loan loss allowance to noncurrent loans | 102.6596% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.4270% | 1,086 |
| Noncurrent loans to loans | 1.8669% | 933 |
| Net loans and leases to total assets | 73.5377% | 1,989 |
| Net loans and leases to deposits | 92.7962% | 1,444 |
| Net loans and leases to core deposits | 96.0301% | 2,071 |
| Total domestic deposits to total assets | 79.2464% | 4,487 |
| Equity capital to assets | 10.3826% | 3,500 |
| Core capital (leverage) ratio | 10.4013% | 3,083 |
| Tier 1 risk-based capital ratio | 13.9259% | 3,478 |
| Total risk-based capital ratio | 15.1863% | 3,401 |
| Memoranda: | ||
| Average total assets | $119,980,000 | 3,937 |
| Average earning assets | $113,650,000 | 3,891 |
| Average equity | $12,332,500 | 4,118 |
| Average total loans | $89,147,000 | 3,574 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3661% | 1,922 |
| Cost of funding earning assets | 0.5308% | 1,907 |
| Net interest margin | 3.8353% | 2,153 |
| Noninterest income to average assets | 0.4880% | 3,098 |
| Noninterest expense to average assets | 3.0582% | 1,947 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6888% | 3,894 |
| Return on assets (ROA) | 0.6985% | 3,922 |
| Pretax return on assets | 1.0796% | 3,264 |
| Return on Equity (ROE) | 6.8191% | 3,656 |
| Retained earnings to average equity (ytd only) | 5.3509% | 2,498 |
| Net charge-offs to loans | -0.0857% | 5,369 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1792% | 1,976 |
| Assets per employee ($millions) | 3.2125% | 5,075 |
| Cash dividends to net income (ytd only)* | 21.5311% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7952% | 898 |
| Loan loss allowance to noncurrent loans | 98.0012% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.4168% | 1,113 |
| Noncurrent loans to loans | 1.8318% | 975 |
| Net loans and leases to total assets | 74.4651% | 1,781 |
| Net loans and leases to deposits | 94.0935% | 1,253 |
| Net loans and leases to core deposits | 97.6048% | 1,843 |
| Total domestic deposits to total assets | 79.1395% | 4,593 |
| Equity capital to assets | 10.5064% | 3,332 |
| Core capital (leverage) ratio | 10.5326% | 2,876 |
| Tier 1 risk-based capital ratio | 13.9418% | 3,456 |
| Total risk-based capital ratio | 15.1985% | 3,372 |
| Memoranda: | ||
| Average total assets | $119,678,330 | 3,968 |
| Average earning assets | $113,418,670 | 3,917 |
| Average equity | $12,259,670 | 4,148 |
| Average total loans | $88,651,670 | 3,605 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2249% | 2,187 |
| Cost of funding earning assets | 0.5431% | 1,763 |
| Net interest margin | 3.6818% | 2,552 |
| Noninterest income to average assets | 0.4797% | 3,119 |
| Noninterest expense to average assets | 2.8113% | 2,752 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7433% | 3,505 |
| Return on assets (ROA) | 0.7628% | 3,464 |
| Pretax return on assets | 1.1758% | 2,691 |
| Return on Equity (ROE) | 7.5419% | 3,143 |
| Retained earnings to average equity (ytd only) | 7.5419% | 1,633 |
| Net charge-offs to loans | 0.0045% | 2,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 344.0000% | 176 |
| Efficiency ratio | 71.0438% | 2,727 |
| Assets per employee ($millions) | 3.1920% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7925% | 970 |
| Loan loss allowance to noncurrent loans | 95.5811% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.4267% | 1,160 |
| Noncurrent loans to loans | 1.8754% | 983 |
| Net loans and leases to total assets | 73.2479% | 1,866 |
| Net loans and leases to deposits | 91.2522% | 1,405 |
| Net loans and leases to core deposits | 94.6198% | 1,918 |
| Total domestic deposits to total assets | 80.2698% | 4,567 |
| Equity capital to assets | 10.4062% | 3,284 |
| Core capital (leverage) ratio | 10.1910% | 3,251 |
| Tier 1 risk-based capital ratio | 13.3446% | 3,861 |
| Total risk-based capital ratio | 14.6009% | 3,778 |
| Memoranda: | ||
| Average total assets | $120,087,000 | 3,995 |
| Average earning assets | $113,421,500 | 3,955 |
| Average equity | $12,145,500 | 4,193 |
| Average total loans | $87,913,500 | 3,648 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3585% | 1,960 |
| Cost of funding earning assets | 0.4844% | 2,214 |
| Net interest margin | 3.8741% | 2,050 |
| Noninterest income to average assets | 0.4756% | 3,375 |
| Noninterest expense to average assets | 3.1523% | 1,891 |
| Loan and lease loss provision to assets | 0.1013% | 2,350 |
| Net operating income to assets | 0.6081% | 4,172 |
| Return on assets (ROA) | 0.6134% | 4,269 |
| Pretax return on assets | 0.8607% | 3,969 |
| Return on Equity (ROE) | 6.1430% | 3,905 |
| Retained earnings to average equity (ytd only) | 4.6883% | 2,555 |
| Net charge-offs to loans | 0.1838% | 1,506 |
| Credit loss provision to net charge-offs | 77.2152% | 3,015 |
| Earnings coverage of net charge-offs (x) | 7.2785% | 3,040 |
| Efficiency ratio | 76.7583% | 1,888 |
| Assets per employee ($millions) | 3.2992% | 5,042 |
| Cash dividends to net income (ytd only)* | 23.6806% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8008% | 946 |
| Loan loss allowance to noncurrent loans | 120.7951% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.0985% | 1,700 |
| Noncurrent loans to loans | 1.4908% | 1,351 |
| Net loans and leases to total assets | 70.5819% | 2,394 |
| Net loans and leases to deposits | 87.8843% | 1,939 |
| Net loans and leases to core deposits | 91.0051% | 2,408 |
| Total domestic deposits to total assets | 80.3123% | 4,505 |
| Equity capital to assets | 9.8312% | 3,906 |
| Core capital (leverage) ratio | 9.9871% | 3,496 |
| Tier 1 risk-based capital ratio | 12.6476% | 4,291 |
| Total risk-based capital ratio | 13.9030% | 4,181 |
| Memoranda: | ||
| Average total assets | $120,482,200 | 3,984 |
| Average earning assets | $112,930,000 | 3,949 |
| Average equity | $12,030,000 | 4,248 |
| Average total loans | $85,958,800 | 3,665 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3716% | 1,940 |
| Cost of funding earning assets | 0.4821% | 2,242 |
| Net interest margin | 3.8895% | 2,012 |
| Noninterest income to average assets | 0.4086% | 3,857 |
| Noninterest expense to average assets | 3.0877% | 2,059 |
| Loan and lease loss provision to assets | 0.0666% | 2,891 |
| Net operating income to assets | 0.6348% | 4,154 |
| Return on assets (ROA) | 0.6418% | 4,241 |
| Pretax return on assets | 0.9193% | 3,911 |
| Return on Equity (ROE) | 6.4022% | 3,878 |
| Retained earnings to average equity (ytd only) | 5.4607% | 2,513 |
| Net charge-offs to loans | -0.0031% | 4,537 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9836% | 1,974 |
| Assets per employee ($millions) | 3.1526% | 5,239 |
| Cash dividends to net income (ytd only)* | 14.7058% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9374% | 799 |
| Loan loss allowance to noncurrent loans | 83.7743% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.8314% | 891 |
| Noncurrent loans to loans | 2.3127% | 796 |
| Net loans and leases to total assets | 70.8946% | 2,362 |
| Net loans and leases to deposits | 91.8848% | 1,515 |
| Net loans and leases to core deposits | 95.3392% | 2,065 |
| Total domestic deposits to total assets | 77.1559% | 5,053 |
| Equity capital to assets | 10.2563% | 3,850 |
| Core capital (leverage) ratio | 9.9763% | 3,603 |
| Tier 1 risk-based capital ratio | 13.1864% | 4,043 |
| Total risk-based capital ratio | 14.4436% | 3,947 |
| Memoranda: | ||
| Average total assets | $120,085,000 | 4,018 |
| Average earning assets | $112,847,000 | 3,977 |
| Average equity | $12,037,250 | 4,286 |
| Average total loans | $85,513,500 | 3,696 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4025% | 1,823 |
| Cost of funding earning assets | 0.4785% | 2,285 |
| Net interest margin | 3.9240% | 1,900 |
| Noninterest income to average assets | 0.4576% | 3,472 |
| Noninterest expense to average assets | 3.0654% | 2,157 |
| Loan and lease loss provision to assets | 0.0316% | 3,499 |
| Net operating income to assets | 0.7256% | 3,672 |
| Return on assets (ROA) | 0.7256% | 3,826 |
| Pretax return on assets | 1.0451% | 3,414 |
| Return on Equity (ROE) | 7.2946% | 3,373 |
| Retained earnings to average equity (ytd only) | 5.8725% | 2,200 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0056% | 2,358 |
| Assets per employee ($millions) | 3.3209% | 5,030 |
| Cash dividends to net income (ytd only)* | 19.4954% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8941% | 906 |
| Loan loss allowance to noncurrent loans | 109.5845% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.4747% | 1,310 |
| Noncurrent loans to loans | 1.7285% | 1,221 |
| Net loans and leases to total assets | 70.8350% | 2,347 |
| Net loans and leases to deposits | 91.8591% | 1,532 |
| Net loans and leases to core deposits | 95.3080% | 2,040 |
| Total domestic deposits to total assets | 77.1127% | 5,149 |
| Equity capital to assets | 10.2417% | 3,920 |
| Core capital (leverage) ratio | 9.8836% | 3,708 |
| Tier 1 risk-based capital ratio | 13.2231% | 4,066 |
| Total risk-based capital ratio | 14.4799% | 3,976 |
| Memoranda: | ||
| Average total assets | $120,180,330 | 4,041 |
| Average earning assets | $112,844,330 | 4,000 |
| Average equity | $11,954,000 | 4,325 |
| Average total loans | $85,148,330 | 3,715 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4817% | 1,561 |
| Cost of funding earning assets | 0.4755% | 2,325 |
| Net interest margin | 4.0062% | 1,593 |
| Noninterest income to average assets | 0.3618% | 4,137 |
| Noninterest expense to average assets | 3.1669% | 1,913 |
| Loan and lease loss provision to assets | 0.0631% | 2,690 |
| Net operating income to assets | 0.6606% | 3,927 |
| Return on assets (ROA) | 0.6606% | 4,049 |
| Pretax return on assets | 0.8797% | 3,931 |
| Return on Equity (ROE) | 6.7406% | 3,595 |
| Retained earnings to average equity (ytd only) | 6.7406% | 2,013 |
| Net charge-offs to loans | -0.0095% | 4,507 |
| Credit loss provision to net charge-offs | -950.0000% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0598% | 2,035 |
| Assets per employee ($millions) | 3.2162% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9401% | 911 |
| Loan loss allowance to noncurrent loans | 109.5780% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.5530% | 1,293 |
| Noncurrent loans to loans | 1.7705% | 1,250 |
| Net loans and leases to total assets | 69.4877% | 2,426 |
| Net loans and leases to deposits | 89.8217% | 1,596 |
| Net loans and leases to core deposits | 92.6062% | 2,134 |
| Total domestic deposits to total assets | 77.3618% | 5,241 |
| Equity capital to assets | 10.0455% | 4,024 |
| Core capital (leverage) ratio | 9.7727% | 3,811 |
| Tier 1 risk-based capital ratio | 13.1045% | 4,196 |
| Total risk-based capital ratio | 14.3618% | 4,113 |
| Memoranda: | ||
| Average total assets | $120,495,000 | 4,062 |
| Average earning assets | $112,724,000 | 4,025 |
| Average equity | $11,809,000 | 4,364 |
| Average total loans | $84,563,000 | 3,738 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3754% | 1,986 |
| Cost of funding earning assets | 0.4220% | 2,917 |
| Net interest margin | 3.9534% | 1,857 |
| Noninterest income to average assets | 0.5934% | 2,752 |
| Noninterest expense to average assets | 3.1263% | 2,160 |
| Loan and lease loss provision to assets | 0.3076% | 551 |
| Net operating income to assets | 0.6097% | 4,223 |
| Return on assets (ROA) | 0.6169% | 4,289 |
| Pretax return on assets | 0.8922% | 3,871 |
| Return on Equity (ROE) | 6.1989% | 3,950 |
| Retained earnings to average equity (ytd only) | 4.7542% | 2,609 |
| Net charge-offs to loans | 0.3548% | 834 |
| Credit loss provision to net charge-offs | 129.3040% | 2,024 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 3,451 |
| Efficiency ratio | 72.4409% | 2,839 |
| Assets per employee ($millions) | 3.3887% | 4,998 |
| Cash dividends to net income (ytd only)* | 23.3051% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9056% | 947 |
| Loan loss allowance to noncurrent loans | 105.9672% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.3722% | 1,528 |
| Noncurrent loans to loans | 1.7983% | 1,219 |
| Net loans and leases to total assets | 68.1889% | 2,679 |
| Net loans and leases to deposits | 87.2619% | 1,962 |
| Net loans and leases to core deposits | 89.8608% | 2,412 |
| Total domestic deposits to total assets | 78.1428% | 5,138 |
| Equity capital to assets | 9.5613% | 4,483 |
| Core capital (leverage) ratio | 9.7033% | 3,902 |
| Tier 1 risk-based capital ratio | 12.6128% | 4,567 |
| Total risk-based capital ratio | 13.8692% | 4,452 |
| Memoranda: | ||
| Average total assets | $114,767,600 | 4,162 |
| Average earning assets | $108,059,600 | 4,093 |
| Average equity | $11,421,400 | 4,402 |
| Average total loans | $76,936,600 | 3,911 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3721% | 2,005 |
| Cost of funding earning assets | 0.4162% | 3,051 |
| Net interest margin | 3.9559% | 1,855 |
| Noninterest income to average assets | 0.5276% | 3,182 |
| Noninterest expense to average assets | 3.1597% | 2,061 |
| Loan and lease loss provision to assets | 0.2585% | 648 |
| Net operating income to assets | 0.5884% | 4,438 |
| Return on assets (ROA) | 0.6008% | 4,490 |
| Pretax return on assets | 0.8628% | 4,125 |
| Return on Equity (ROE) | 5.9736% | 4,166 |
| Retained earnings to average equity (ytd only) | 5.0348% | 2,892 |
| Net charge-offs to loans | 0.3735% | 694 |
| Credit loss provision to net charge-offs | 104.2857% | 2,194 |
| Earnings coverage of net charge-offs (x) | 4.4524% | 3,349 |
| Efficiency ratio | 74.1141% | 2,534 |
| Assets per employee ($millions) | 3.1080% | 5,419 |
| Cash dividends to net income (ytd only)* | 15.7165% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9612% | 974 |
| Loan loss allowance to noncurrent loans | 131.0433% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.4409% | 1,580 |
| Noncurrent loans to loans | 1.4966% | 1,679 |
| Net loans and leases to total assets | 67.1629% | 2,833 |
| Net loans and leases to deposits | 85.7641% | 2,169 |
| Net loans and leases to core deposits | 86.3867% | 2,811 |
| Total domestic deposits to total assets | 78.3112% | 5,126 |
| Equity capital to assets | 10.0961% | 4,054 |
| Core capital (leverage) ratio | 9.9386% | 3,723 |
| Tier 1 risk-based capital ratio | 13.7144% | 4,014 |
| Total risk-based capital ratio | 14.9723% | 3,942 |
| Memoranda: | ||
| Average total assets | $112,961,500 | 4,245 |
| Average earning assets | $106,674,000 | 4,165 |
| Average equity | $11,360,750 | 4,466 |
| Average total loans | $74,970,500 | 4,007 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 1,969 |
| Cost of funding earning assets | 0.4182% | 3,055 |
| Net interest margin | 3.9434% | 1,840 |
| Noninterest income to average assets | 0.5148% | 3,269 |
| Noninterest expense to average assets | 3.0387% | 2,429 |
| Loan and lease loss provision to assets | 0.1692% | 1,235 |
| Net operating income to assets | 0.7292% | 3,741 |
| Return on assets (ROA) | 0.7445% | 3,762 |
| Pretax return on assets | 1.0402% | 3,418 |
| Return on Equity (ROE) | 7.4129% | 3,364 |
| Retained earnings to average equity (ytd only) | 5.9941% | 2,248 |
| Net charge-offs to loans | 0.5726% | 423 |
| Credit loss provision to net charge-offs | 45.0237% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.1611% | 3,233 |
| Efficiency ratio | 71.8921% | 3,012 |
| Assets per employee ($millions) | 3.0419% | 5,546 |
| Cash dividends to net income (ytd only)* | 19.1388% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8713% | 1,221 |
| Loan loss allowance to noncurrent loans | 112.3418% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.5682% | 1,547 |
| Noncurrent loans to loans | 1.6657% | 1,564 |
| Net loans and leases to total assets | 66.1596% | 2,923 |
| Net loans and leases to deposits | 79.6428% | 2,835 |
| Net loans and leases to core deposits | 80.1986% | 3,372 |
| Total domestic deposits to total assets | 83.0705% | 3,921 |
| Equity capital to assets | 10.0978% | 3,926 |
| Core capital (leverage) ratio | 10.0599% | 3,518 |
| Tier 1 risk-based capital ratio | 14.1256% | 3,854 |
| Total risk-based capital ratio | 15.3829% | 3,778 |
| Memoranda: | ||
| Average total assets | $112,283,670 | 4,292 |
| Average earning assets | $105,695,670 | 4,224 |
| Average equity | $11,277,670 | 4,515 |
| Average total loans | $73,701,000 | 4,066 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3561% | 1,922 |
| Cost of funding earning assets | 0.4216% | 3,052 |
| Net interest margin | 3.9345% | 1,770 |
| Noninterest income to average assets | 0.4173% | 3,863 |
| Noninterest expense to average assets | 3.2028% | 1,976 |
| Loan and lease loss provision to assets | 0.3388% | 394 |
| Net operating income to assets | 0.4406% | 4,911 |
| Return on assets (ROA) | 0.4708% | 4,916 |
| Pretax return on assets | 0.6099% | 4,891 |
| Return on Equity (ROE) | 4.7000% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.7000% | 3,217 |
| Net charge-offs to loans | 1.1844% | 186 |
| Credit loss provision to net charge-offs | 44.1860% | 2,152 |
| Earnings coverage of net charge-offs (x) | 1.1860% | 2,956 |
| Efficiency ratio | 77.8838% | 2,199 |
| Assets per employee ($millions) | 3.3155% | 5,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9172% | 1,245 |
| Loan loss allowance to noncurrent loans | 113.3707% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.5524% | 1,663 |
| Noncurrent loans to loans | 1.6911% | 1,630 |
| Net loans and leases to total assets | 64.2635% | 3,057 |
| Net loans and leases to deposits | 74.3562% | 3,259 |
| Net loans and leases to core deposits | 74.8533% | 3,703 |
| Total domestic deposits to total assets | 86.4266% | 2,699 |
| Equity capital to assets | 10.0640% | 4,071 |
| Core capital (leverage) ratio | 9.9004% | 3,748 |
| Tier 1 risk-based capital ratio | 14.2144% | 3,872 |
| Total risk-based capital ratio | 15.4710% | 3,794 |
| Memoranda: | ||
| Average total assets | $112,151,000 | 4,327 |
| Average earning assets | $105,323,500 | 4,266 |
| Average equity | $11,234,000 | 4,554 |
| Average total loans | $72,610,500 | 4,113 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6393% | 1,444 |
| Cost of funding earning assets | 0.4673% | 3,004 |
| Net interest margin | 4.1720% | 1,382 |
| Noninterest income to average assets | 0.4815% | 3,645 |
| Noninterest expense to average assets | 3.2676% | 2,016 |
| Loan and lease loss provision to assets | 0.0557% | 3,435 |
| Net operating income to assets | 0.7510% | 3,629 |
| Return on assets (ROA) | 0.7589% | 3,680 |
| Pretax return on assets | 1.0706% | 3,203 |
| Return on Equity (ROE) | 7.5946% | 3,328 |
| Retained earnings to average equity (ytd only) | 6.2020% | 1,809 |
| Net charge-offs to loans | -0.0167% | 5,667 |
| Credit loss provision to net charge-offs | -500.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5555% | 2,741 |
| Assets per employee ($millions) | 3.2816% | 5,287 |
| Cash dividends to net income (ytd only)* | 18.3374% | 3,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1524% | 880 |
| Loan loss allowance to noncurrent loans | 90.9953% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.9619% | 1,314 |
| Noncurrent loans to loans | 2.3654% | 1,096 |
| Net loans and leases to total assets | 62.5827% | 3,430 |
| Net loans and leases to deposits | 70.0516% | 3,901 |
| Net loans and leases to core deposits | 70.5085% | 4,278 |
| Total domestic deposits to total assets | 89.3380% | 1,052 |
| Equity capital to assets | 9.9692% | 4,151 |
| Core capital (leverage) ratio | 10.1778% | 3,337 |
| Tier 1 risk-based capital ratio | 13.8629% | 4,202 |
| Total risk-based capital ratio | 15.1210% | 4,128 |
| Memoranda: | ||
| Average total assets | $107,786,800 | 4,421 |
| Average earning assets | $100,791,000 | 4,373 |
| Average equity | $10,770,800 | 4,603 |
| Average total loans | $71,803,800 | 4,129 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7223% | 1,259 |
| Cost of funding earning assets | 0.4757% | 2,994 |
| Net interest margin | 4.2466% | 1,168 |
| Noninterest income to average assets | 0.4929% | 3,591 |
| Noninterest expense to average assets | 3.1798% | 2,240 |
| Loan and lease loss provision to assets | 0.0749% | 2,846 |
| Net operating income to assets | 0.8493% | 3,181 |
| Return on assets (ROA) | 0.8598% | 3,217 |
| Pretax return on assets | 1.2305% | 2,649 |
| Return on Equity (ROE) | 8.5993% | 2,903 |
| Retained earnings to average equity (ytd only) | 7.7256% | 1,482 |
| Net charge-offs to loans | -0.0130% | 5,492 |
| Credit loss provision to net charge-offs | -857.1429% | 5,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1334% | 3,322 |
| Assets per employee ($millions) | 3.1750% | 5,479 |
| Cash dividends to net income (ytd only)* | 10.1596% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1572% | 1,008 |
| Loan loss allowance to noncurrent loans | 112.0791% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.8144% | 1,632 |
| Noncurrent loans to loans | 1.9247% | 1,665 |
| Net loans and leases to total assets | 66.2754% | 2,809 |
| Net loans and leases to deposits | 76.2348% | 3,156 |
| Net loans and leases to core deposits | 77.0024% | 3,637 |
| Total domestic deposits to total assets | 86.9358% | 2,354 |
| Equity capital to assets | 10.5493% | 3,500 |
| Core capital (leverage) ratio | 10.2615% | 3,328 |
| Tier 1 risk-based capital ratio | 15.0182% | 3,571 |
| Total risk-based capital ratio | 16.2783% | 3,505 |
| Memoranda: | ||
| Average total assets | $106,840,000 | 4,487 |
| Average earning assets | $100,061,250 | 4,433 |
| Average equity | $10,682,750 | 4,651 |
| Average total loans | $71,914,250 | 4,160 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7359% | 1,212 |
| Cost of funding earning assets | 0.4766% | 3,051 |
| Net interest margin | 4.2593% | 1,114 |
| Noninterest income to average assets | 0.4594% | 3,794 |
| Noninterest expense to average assets | 3.1378% | 2,367 |
| Loan and lease loss provision to assets | 0.1116% | 2,162 |
| Net operating income to assets | 0.8273% | 3,190 |
| Return on assets (ROA) | 0.8481% | 3,188 |
| Pretax return on assets | 1.2127% | 2,609 |
| Return on Equity (ROE) | 8.6369% | 2,765 |
| Retained earnings to average equity (ytd only) | 7.3111% | 1,608 |
| Net charge-offs to loans | -0.0111% | 5,350 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7931% | 3,527 |
| Assets per employee ($millions) | 3.2322% | 5,370 |
| Cash dividends to net income (ytd only)* | 15.3509% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1217% | 1,140 |
| Loan loss allowance to noncurrent loans | 263.2759% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 1.0875% | 2,888 |
| Noncurrent loans to loans | 0.8059% | 3,691 |
| Net loans and leases to total assets | 66.0410% | 2,743 |
| Net loans and leases to deposits | 75.5337% | 3,119 |
| Net loans and leases to core deposits | 76.2739% | 3,603 |
| Total domestic deposits to total assets | 87.4325% | 2,227 |
| Equity capital to assets | 10.1656% | 3,880 |
| Core capital (leverage) ratio | 9.9843% | 3,636 |
| Tier 1 risk-based capital ratio | 14.2691% | 4,085 |
| Total risk-based capital ratio | 15.5289% | 4,014 |
| Memoranda: | ||
| Average total assets | $107,528,330 | 4,500 |
| Average earning assets | $100,297,000 | 4,465 |
| Average equity | $10,559,330 | 4,691 |
| Average total loans | $72,228,670 | 4,157 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7048% | 1,245 |
| Cost of funding earning assets | 0.4917% | 2,996 |
| Net interest margin | 4.2132% | 1,180 |
| Noninterest income to average assets | 0.4594% | 3,718 |
| Noninterest expense to average assets | 3.0493% | 2,700 |
| Loan and lease loss provision to assets | 0.2223% | 1,014 |
| Net operating income to assets | 0.7669% | 3,326 |
| Return on assets (ROA) | 0.7669% | 3,409 |
| Pretax return on assets | 1.0930% | 2,938 |
| Return on Equity (ROE) | 7.9482% | 2,955 |
| Retained earnings to average equity (ytd only) | 7.9482% | 1,613 |
| Net charge-offs to loans | 0.0111% | 3,403 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 177.5000% | 281 |
| Efficiency ratio | 69.8642% | 3,862 |
| Assets per employee ($millions) | 3.2337% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1348% | 1,261 |
| Loan loss allowance to noncurrent loans | 369.4175% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.9446% | 3,364 |
| Noncurrent loans to loans | 0.5779% | 4,429 |
| Net loans and leases to total assets | 65.3847% | 2,655 |
| Net loans and leases to deposits | 76.0513% | 2,808 |
| Net loans and leases to core deposits | 76.8081% | 3,329 |
| Total domestic deposits to total assets | 85.9745% | 3,376 |
| Equity capital to assets | 9.9163% | 3,947 |
| Core capital (leverage) ratio | 9.7711% | 3,901 |
| Tier 1 risk-based capital ratio | 13.6059% | 4,603 |
| Total risk-based capital ratio | 14.8651% | 4,553 |
| Memoranda: | ||
| Average total assets | $107,960,500 | 4,533 |
| Average earning assets | $100,067,000 | 4,508 |
| Average equity | $10,417,500 | 4,746 |
| Average total loans | $72,358,500 | 4,187 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7934% | 1,332 |
| Cost of funding earning assets | 0.5701% | 2,925 |
| Net interest margin | 4.2233% | 1,292 |
| Noninterest income to average assets | 0.6961% | 2,564 |
| Noninterest expense to average assets | 3.1535% | 2,573 |
| Loan and lease loss provision to assets | 0.1428% | 2,519 |
| Net operating income to assets | 0.9041% | 2,757 |
| Return on assets (ROA) | 0.9080% | 2,824 |
| Pretax return on assets | 1.3157% | 2,091 |
| Return on Equity (ROE) | 9.4643% | 2,338 |
| Retained earnings to average equity (ytd only) | 8.1827% | 995 |
| Net charge-offs to loans | 0.1025% | 3,806 |
| Credit loss provision to net charge-offs | 204.0541% | 1,125 |
| Earnings coverage of net charge-offs (x) | 20.7568% | 1,528 |
| Efficiency ratio | 68.4600% | 4,110 |
| Assets per employee ($millions) | 3.3093% | 5,271 |
| Cash dividends to net income (ytd only)* | 13.5417% | 3,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9940% | 1,565 |
| Loan loss allowance to noncurrent loans | 229.1080% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 1.1309% | 3,134 |
| Noncurrent loans to loans | 0.8703% | 3,804 |
| Net loans and leases to total assets | 65.8899% | 2,706 |
| Net loans and leases to deposits | 75.0076% | 3,098 |
| Net loans and leases to core deposits | 75.7187% | 3,636 |
| Total domestic deposits to total assets | 87.8443% | 2,272 |
| Equity capital to assets | 9.3885% | 4,559 |
| Core capital (leverage) ratio | 9.5981% | 4,117 |
| Tier 1 risk-based capital ratio | 12.9285% | 5,029 |
| Total risk-based capital ratio | 14.1856% | 4,975 |
| Memoranda: | ||
| Average total assets | $105,724,400 | 4,599 |
| Average earning assets | $97,885,600 | 4,568 |
| Average equity | $10,143,400 | 4,811 |
| Average total loans | $72,216,000 | 4,186 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7908% | 1,368 |
| Cost of funding earning assets | 0.5834% | 2,964 |
| Net interest margin | 4.2074% | 1,306 |
| Noninterest income to average assets | 0.7426% | 2,400 |
| Noninterest expense to average assets | 3.1103% | 2,620 |
| Loan and lease loss provision to assets | 0.1322% | 2,629 |
| Net operating income to assets | 0.9675% | 2,512 |
| Return on assets (ROA) | 1.0096% | 2,426 |
| Pretax return on assets | 1.4674% | 1,706 |
| Return on Equity (ROE) | 10.4650% | 2,014 |
| Retained earnings to average equity (ytd only) | 9.6742% | 866 |
| Net charge-offs to loans | 0.1353% | 3,184 |
| Credit loss provision to net charge-offs | 142.4658% | 1,650 |
| Earnings coverage of net charge-offs (x) | 16.5755% | 1,793 |
| Efficiency ratio | 66.9037% | 4,325 |
| Assets per employee ($millions) | 3.1892% | 5,517 |
| Cash dividends to net income (ytd only)* | 7.5569% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9396% | 1,890 |
| Loan loss allowance to noncurrent loans | 237.6884% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 1.1411% | 3,374 |
| Noncurrent loans to loans | 0.8160% | 4,202 |
| Net loans and leases to total assets | 68.1638% | 2,267 |
| Net loans and leases to deposits | 77.5171% | 2,734 |
| Net loans and leases to core deposits | 78.2878% | 3,320 |
| Total domestic deposits to total assets | 87.9339% | 2,171 |
| Equity capital to assets | 9.7268% | 4,273 |
| Core capital (leverage) ratio | 9.8529% | 3,886 |
| Tier 1 risk-based capital ratio | 13.7645% | 4,592 |
| Total risk-based capital ratio | 15.0222% | 4,544 |
| Memoranda: | ||
| Average total assets | $104,853,500 | 4,671 |
| Average earning assets | $97,350,250 | 4,631 |
| Average equity | $10,116,000 | 4,865 |
| Average total loans | $71,914,750 | 4,232 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8219% | 1,285 |
| Cost of funding earning assets | 0.5942% | 2,990 |
| Net interest margin | 4.2277% | 1,202 |
| Noninterest income to average assets | 0.8480% | 2,007 |
| Noninterest expense to average assets | 3.0824% | 2,718 |
| Loan and lease loss provision to assets | 0.0840% | 3,396 |
| Net operating income to assets | 1.1898% | 1,615 |
| Return on assets (ROA) | 1.2586% | 1,532 |
| Pretax return on assets | 1.6730% | 1,178 |
| Return on Equity (ROE) | 13.0810% | 1,227 |
| Retained earnings to average equity (ytd only) | 11.8900% | 516 |
| Net charge-offs to loans | 0.0979% | 3,382 |
| Credit loss provision to net charge-offs | 125.7143% | 1,793 |
| Earnings coverage of net charge-offs (x) | 24.9143% | 1,281 |
| Efficiency ratio | 64.9236% | 4,720 |
| Assets per employee ($millions) | 3.1358% | 5,606 |
| Cash dividends to net income (ytd only)* | 9.1047% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9692% | 1,916 |
| Loan loss allowance to noncurrent loans | 181.5345% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 1.3741% | 3,042 |
| Noncurrent loans to loans | 1.0847% | 3,762 |
| Net loans and leases to total assets | 67.1569% | 2,387 |
| Net loans and leases to deposits | 76.0126% | 2,873 |
| Net loans and leases to core deposits | 76.7759% | 3,457 |
| Total domestic deposits to total assets | 88.3498% | 2,012 |
| Equity capital to assets | 9.7030% | 4,305 |
| Core capital (leverage) ratio | 9.7313% | 3,895 |
| Tier 1 risk-based capital ratio | 13.7632% | 4,593 |
| Total risk-based capital ratio | 15.0212% | 4,561 |
| Memoranda: | ||
| Average total assets | $104,723,000 | 4,709 |
| Average earning assets | $96,600,000 | 4,685 |
| Average equity | $10,075,670 | 4,922 |
| Average total loans | $71,500,330 | 4,255 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7338% | 1,448 |
| Cost of funding earning assets | 0.6130% | 2,983 |
| Net interest margin | 4.1209% | 1,401 |
| Noninterest income to average assets | 1.0214% | 1,421 |
| Noninterest expense to average assets | 3.1402% | 2,545 |
| Loan and lease loss provision to assets | 0.1671% | 2,187 |
| Net operating income to assets | 1.1239% | 1,764 |
| Return on assets (ROA) | 1.2606% | 1,473 |
| Pretax return on assets | 1.6745% | 1,142 |
| Return on Equity (ROE) | 13.1576% | 1,131 |
| Retained earnings to average equity (ytd only) | 13.1576% | 536 |
| Net charge-offs to loans | 0.1003% | 2,853 |
| Credit loss provision to net charge-offs | 244.4444% | 939 |
| Earnings coverage of net charge-offs (x) | 24.2778% | 1,086 |
| Efficiency ratio | 65.4272% | 4,763 |
| Assets per employee ($millions) | 3.1353% | 5,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0327% | 1,958 |
| Loan loss allowance to noncurrent loans | 212.4812% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 1.2739% | 3,432 |
| Noncurrent loans to loans | 0.9566% | 4,227 |
| Net loans and leases to total assets | 65.8203% | 2,399 |
| Net loans and leases to deposits | 73.3681% | 3,002 |
| Net loans and leases to core deposits | 74.3161% | 3,536 |
| Total domestic deposits to total assets | 89.7125% | 1,223 |
| Equity capital to assets | 9.8719% | 4,316 |
| Core capital (leverage) ratio | 9.3216% | 4,362 |
| Tier 1 risk-based capital ratio | 13.5612% | 4,827 |
| Total risk-based capital ratio | 14.8194% | 4,777 |
| Memoranda: | ||
| Average total assets | $105,343,000 | 4,736 |
| Average earning assets | $96,582,000 | 4,724 |
| Average equity | $10,093,000 | 4,963 |
| Average total loans | $71,804,500 | 4,275 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0037% | 1,549 |
| Cost of funding earning assets | 0.7863% | 2,768 |
| Net interest margin | 4.2174% | 1,610 |
| Noninterest income to average assets | 0.4892% | 3,973 |
| Noninterest expense to average assets | 3.2720% | 2,419 |
| Loan and lease loss provision to assets | 0.0723% | 4,827 |
| Net operating income to assets | 0.7763% | 3,385 |
| Return on assets (ROA) | 0.7802% | 3,617 |
| Pretax return on assets | 0.9833% | 3,604 |
| Return on Equity (ROE) | 8.2671% | 2,976 |
| Retained earnings to average equity (ytd only) | 7.6463% | 1,260 |
| Net charge-offs to loans | -0.4830% | 7,001 |
| Credit loss provision to net charge-offs | -23.0530% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6946% | 2,802 |
| Assets per employee ($millions) | 3.1536% | 5,732 |
| Cash dividends to net income (ytd only)* | 7.5094% | 4,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8719% | 2,376 |
| Loan loss allowance to noncurrent loans | 196.1810% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 1.3495% | 3,380 |
| Noncurrent loans to loans | 0.9542% | 4,287 |
| Net loans and leases to total assets | 67.8113% | 2,211 |
| Net loans and leases to deposits | 76.8259% | 2,678 |
| Net loans and leases to core deposits | 77.5701% | 3,322 |
| Total domestic deposits to total assets | 88.2663% | 2,053 |
| Equity capital to assets | 9.3004% | 5,156 |
| Core capital (leverage) ratio | 9.1096% | 4,726 |
| Tier 1 risk-based capital ratio | 12.1175% | 5,706 |
| Total risk-based capital ratio | 13.3646% | 5,674 |
| Memoranda: | ||
| Average total assets | $102,413,400 | 4,768 |
| Average earning assets | $93,090,800 | 4,773 |
| Average equity | $9,664,800 | 5,062 |
| Average total loans | $66,460,400 | 4,482 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9974% | 1,702 |
| Cost of funding earning assets | 0.8276% | 2,727 |
| Net interest margin | 4.1698% | 1,832 |
| Noninterest income to average assets | 0.6903% | 2,753 |
| Noninterest expense to average assets | 3.2525% | 2,415 |
| Loan and lease loss provision to assets | 0.0975% | 4,356 |
| Net operating income to assets | 0.8631% | 3,166 |
| Return on assets (ROA) | 0.8681% | 3,384 |
| Pretax return on assets | 1.1369% | 3,200 |
| Return on Equity (ROE) | 9.1640% | 2,724 |
| Retained earnings to average equity (ytd only) | 9.1640% | 1,166 |
| Net charge-offs to loans | -0.6548% | 7,107 |
| Credit loss provision to net charge-offs | -23.3438% | 6,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5963% | 3,211 |
| Assets per employee ($millions) | 3.0457% | 5,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9876% | 2,199 |
| Loan loss allowance to noncurrent loans | 205.6464% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 1.7143% | 3,028 |
| Noncurrent loans to loans | 0.9665% | 4,505 |
| Net loans and leases to total assets | 67.9024% | 2,314 |
| Net loans and leases to deposits | 78.5046% | 2,601 |
| Net loans and leases to core deposits | 79.3425% | 3,288 |
| Total domestic deposits to total assets | 86.4947% | 2,983 |
| Equity capital to assets | 9.9404% | 4,588 |
| Core capital (leverage) ratio | 9.3930% | 4,440 |
| Tier 1 risk-based capital ratio | 13.2820% | 5,037 |
| Total risk-based capital ratio | 14.5414% | 4,992 |
| Memoranda: | ||
| Average total assets | $101,211,500 | 4,848 |
| Average earning assets | $91,991,750 | 4,847 |
| Average equity | $9,588,000 | 5,130 |
| Average total loans | $64,551,750 | 4,603 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9360% | 1,974 |
| Cost of funding earning assets | 0.8698% | 2,661 |
| Net interest margin | 4.0662% | 2,226 |
| Noninterest income to average assets | 0.6526% | 2,944 |
| Noninterest expense to average assets | 3.2510% | 2,436 |
| Loan and lease loss provision to assets | 0.0591% | 4,912 |
| Net operating income to assets | 0.7945% | 3,412 |
| Return on assets (ROA) | 0.7945% | 3,665 |
| Pretax return on assets | 1.0291% | 3,602 |
| Return on Equity (ROE) | 8.5258% | 3,008 |
| Retained earnings to average equity (ytd only) | 8.5258% | 1,444 |
| Net charge-offs to loans | -1.1009% | 7,180 |
| Credit loss provision to net charge-offs | -8.6705% | 5,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9205% | 2,910 |
| Assets per employee ($millions) | 3.1084% | 5,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1573% | 1,870 |
| Loan loss allowance to noncurrent loans | 209.4946% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 1.7121% | 3,156 |
| Noncurrent loans to loans | 1.0298% | 4,449 |
| Net loans and leases to total assets | 62.3746% | 3,360 |
| Net loans and leases to deposits | 69.4844% | 3,972 |
| Net loans and leases to core deposits | 70.7240% | 4,448 |
| Total domestic deposits to total assets | 89.7678% | 1,064 |
| Equity capital to assets | 9.7426% | 4,702 |
| Core capital (leverage) ratio | 9.1110% | 4,749 |
| Tier 1 risk-based capital ratio | 13.1888% | 5,046 |
| Total risk-based capital ratio | 14.4485% | 5,016 |
| Memoranda: | ||
| Average total assets | $101,445,670 | 4,869 |
| Average earning assets | $91,977,000 | 4,871 |
| Average equity | $9,453,670 | 5,166 |
| Average total loans | $62,858,330 | 4,680 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9287% | 2,143 |
| Cost of funding earning assets | 0.9179% | 2,542 |
| Net interest margin | 4.0108% | 2,457 |
| Noninterest income to average assets | 0.6053% | 3,195 |
| Noninterest expense to average assets | 3.2646% | 2,405 |
| Loan and lease loss provision to assets | -0.0937% | 7,176 |
| Net operating income to assets | 0.8005% | 3,376 |
| Return on assets (ROA) | 0.8005% | 3,610 |
| Pretax return on assets | 1.0348% | 3,553 |
| Return on Equity (ROE) | 8.7841% | 2,916 |
| Retained earnings to average equity (ytd only) | 8.7841% | 1,667 |
| Net charge-offs to loans | -2.4352% | 7,255 |
| Credit loss provision to net charge-offs | 6.2992% | 3,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6230% | 2,549 |
| Assets per employee ($millions) | 3.0475% | 6,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1221% | 2,048 |
| Loan loss allowance to noncurrent loans | 169.2597% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 2.1249% | 2,753 |
| Noncurrent loans to loans | 1.2538% | 4,239 |
| Net loans and leases to total assets | 61.8686% | 3,282 |
| Net loans and leases to deposits | 68.5371% | 3,965 |
| Net loans and leases to core deposits | 69.7409% | 4,457 |
| Total domestic deposits to total assets | 90.2703% | 935 |
| Equity capital to assets | 9.3877% | 4,980 |
| Core capital (leverage) ratio | 8.7452% | 5,215 |
| Tier 1 risk-based capital ratio | 12.5109% | 5,591 |
| Total risk-based capital ratio | 13.7688% | 5,552 |
| Memoranda: | ||
| Average total assets | $102,433,500 | 4,879 |
| Average earning assets | $91,952,000 | 4,912 |
| Average equity | $9,335,000 | 5,206 |
| Average total loans | $62,581,500 | 4,712 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3709% | 1,494 |
| Cost of funding earning assets | 1.3076% | 1,450 |
| Net interest margin | 4.0632% | 2,590 |
| Noninterest income to average assets | 0.2660% | 5,618 |
| Noninterest expense to average assets | 3.4017% | 2,232 |
| Loan and lease loss provision to assets | 0.0754% | 5,667 |
| Net operating income to assets | 0.3931% | 4,899 |
| Return on assets (ROA) | 0.3931% | 5,063 |
| Pretax return on assets | 0.4685% | 5,079 |
| Return on Equity (ROE) | 4.4256% | 4,662 |
| Retained earnings to average equity (ytd only) | 3.9785% | 3,364 |
| Net charge-offs to loans | 0.4562% | 3,157 |
| Credit loss provision to net charge-offs | 26.6667% | 5,834 |
| Earnings coverage of net charge-offs (x) | 1.9228% | 4,331 |
| Efficiency ratio | 86.2138% | 1,532 |
| Assets per employee ($millions) | 3.0676% | 5,956 |
| Cash dividends to net income (ytd only)* | 10.1010% | 3,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6105% | 3,546 |
| Loan loss allowance to noncurrent loans | 233.4118% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 1.6980% | 3,401 |
| Noncurrent loans to loans | 0.6900% | 5,322 |
| Net loans and leases to total assets | 58.1041% | 4,351 |
| Net loans and leases to deposits | 64.6842% | 4,910 |
| Net loans and leases to core deposits | 65.7809% | 5,275 |
| Total domestic deposits to total assets | 89.8273% | 1,083 |
| Equity capital to assets | 8.8486% | 5,733 |
| Core capital (leverage) ratio | 8.5993% | 5,402 |
| Tier 1 risk-based capital ratio | 12.4028% | 5,533 |
| Total risk-based capital ratio | 13.6551% | 5,503 |
| Memoranda: | ||
| Average total assets | $100,742,400 | 4,873 |
| Average earning assets | $91,232,400 | 4,883 |
| Average equity | $8,948,000 | 5,294 |
| Average total loans | $62,471,600 | 4,777 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4529% | 1,388 |
| Cost of funding earning assets | 1.3496% | 1,454 |
| Net interest margin | 4.1033% | 2,461 |
| Noninterest income to average assets | 0.2657% | 5,717 |
| Noninterest expense to average assets | 3.3715% | 2,276 |
| Loan and lease loss provision to assets | 0.0681% | 5,600 |
| Net operating income to assets | 0.4887% | 4,587 |
| Return on assets (ROA) | 0.4887% | 4,779 |
| Pretax return on assets | 0.5488% | 4,977 |
| Return on Equity (ROE) | 5.4968% | 4,288 |
| Retained earnings to average equity (ytd only) | 5.4968% | 2,863 |
| Net charge-offs to loans | 0.6040% | 2,440 |
| Credit loss provision to net charge-offs | 17.9577% | 5,587 |
| Earnings coverage of net charge-offs (x) | 1.6267% | 4,423 |
| Efficiency ratio | 84.5330% | 1,685 |
| Assets per employee ($millions) | 2.8447% | 6,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5235% | 3,988 |
| Loan loss allowance to noncurrent loans | 152.4409% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 1.9264% | 3,229 |
| Noncurrent loans to loans | 0.9994% | 4,894 |
| Net loans and leases to total assets | 62.8426% | 3,540 |
| Net loans and leases to deposits | 70.2901% | 4,252 |
| Net loans and leases to core deposits | 71.5423% | 4,767 |
| Total domestic deposits to total assets | 89.4047% | 1,190 |
| Equity capital to assets | 9.2976% | 5,385 |
| Core capital (leverage) ratio | 8.7654% | 5,317 |
| Tier 1 risk-based capital ratio | 12.5642% | 5,440 |
| Total risk-based capital ratio | 13.8157% | 5,424 |
| Memoranda: | ||
| Average total assets | $99,853,250 | 4,932 |
| Average earning assets | $90,592,000 | 4,937 |
| Average equity | $8,877,750 | 5,344 |
| Average total loans | $62,691,000 | 4,802 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5147% | 1,270 |
| Cost of funding earning assets | 1.4202% | 1,331 |
| Net interest margin | 4.0945% | 2,429 |
| Noninterest income to average assets | 0.1381% | 6,637 |
| Noninterest expense to average assets | 3.3937% | 2,278 |
| Loan and lease loss provision to assets | 0.0300% | 5,931 |
| Net operating income to assets | 0.3902% | 4,994 |
| Return on assets (ROA) | 0.3902% | 5,134 |
| Pretax return on assets | 0.4122% | 5,357 |
| Return on Equity (ROE) | 4.4565% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.4565% | 3,356 |
| Net charge-offs to loans | 0.0385% | 5,314 |
| Credit loss provision to net charge-offs | 125.0000% | 2,438 |
| Earnings coverage of net charge-offs (x) | 18.4167% | 1,260 |
| Efficiency ratio | 88.4716% | 1,366 |
| Assets per employee ($millions) | 2.8901% | 6,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9087% | 2,641 |
| Loan loss allowance to noncurrent loans | 170.2970% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 1.9061% | 3,365 |
| Noncurrent loans to loans | 1.1208% | 4,796 |
| Net loans and leases to total assets | 62.9677% | 3,682 |
| Net loans and leases to deposits | 70.2666% | 4,405 |
| Net loans and leases to core deposits | 71.5282% | 4,882 |
| Total domestic deposits to total assets | 89.6126% | 1,180 |
| Equity capital to assets | 9.1530% | 5,355 |
| Core capital (leverage) ratio | 8.5985% | 5,413 |
| Tier 1 risk-based capital ratio | 12.1530% | 5,663 |
| Total risk-based capital ratio | 13.4090% | 5,633 |
| Memoranda: | ||
| Average total assets | $99,950,000 | 4,965 |
| Average earning assets | $90,268,330 | 4,987 |
| Average equity | $8,751,330 | 5,394 |
| Average total loans | $62,409,330 | 4,854 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6298% | 1,007 |
| Cost of funding earning assets | 1.5550% | 962 |
| Net interest margin | 4.0748% | 2,366 |
| Noninterest income to average assets | -0.2222% | 7,440 |
| Noninterest expense to average assets | 3.4447% | 2,158 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0238% | 6,382 |
| Return on assets (ROA) | -0.0238% | 6,405 |
| Pretax return on assets | 0.0040% | 6,350 |
| Return on Equity (ROE) | -0.2781% | 6,412 |
| Retained earnings to average equity (ytd only) | -0.2781% | 5,843 |
| Net charge-offs to loans | 0.0193% | 4,811 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.3333% | 4,364 |
| Efficiency ratio | 99.8849% | 751 |
| Assets per employee ($millions) | 2.8907% | 6,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9721% | 2,488 |
| Loan loss allowance to noncurrent loans | 190.1587% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 2.1000% | 3,193 |
| Noncurrent loans to loans | 1.0371% | 4,985 |
| Net loans and leases to total assets | 60.5871% | 4,154 |
| Net loans and leases to deposits | 67.3384% | 4,777 |
| Net loans and leases to core deposits | 68.5413% | 5,225 |
| Total domestic deposits to total assets | 89.9741% | 1,165 |
| Equity capital to assets | 8.7989% | 5,499 |
| Core capital (leverage) ratio | 8.2579% | 5,886 |
| Tier 1 risk-based capital ratio | 12.1838% | 5,525 |
| Total risk-based capital ratio | 13.4396% | 5,514 |
| Memoranda: | ||
| Average total assets | $100,793,500 | 4,987 |
| Average earning assets | $90,802,500 | 5,016 |
| Average equity | $8,630,000 | 5,428 |
| Average total loans | $62,075,000 | 4,902 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6675% | 1,691 |
| Cost of funding earning assets | 1.7363% | 1,437 |
| Net interest margin | 3.9312% | 3,338 |
| Noninterest income to average assets | 0.5583% | 3,764 |
| Noninterest expense to average assets | 3.5669% | 2,014 |
| Loan and lease loss provision to assets | 0.5217% | 3,066 |
| Net operating income to assets | 0.0365% | 5,740 |
| Return on assets (ROA) | 0.0365% | 5,876 |
| Pretax return on assets | 0.0365% | 5,822 |
| Return on Equity (ROE) | 0.4149% | 5,848 |
| Retained earnings to average equity (ytd only) | 0.4149% | 5,370 |
| Net charge-offs to loans | 1.1733% | 1,898 |
| Credit loss provision to net charge-offs | 68.5333% | 5,905 |
| Earnings coverage of net charge-offs (x) | 0.7333% | 5,385 |
| Efficiency ratio | 86.4665% | 1,639 |
| Assets per employee ($millions) | 3.0383% | 6,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8942% | 2,583 |
| Loan loss allowance to noncurrent loans | 84.0448% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 2.9825% | 2,360 |
| Noncurrent loans to loans | 2.2538% | 3,267 |
| Net loans and leases to total assets | 60.2147% | 4,643 |
| Net loans and leases to deposits | 68.0491% | 5,096 |
| Net loans and leases to core deposits | 69.4656% | 5,493 |
| Total domestic deposits to total assets | 88.4872% | 1,951 |
| Equity capital to assets | 8.3367% | 6,102 |
| Core capital (leverage) ratio | 8.0618% | 6,090 |
| Tier 1 risk-based capital ratio | 11.1018% | 6,250 |
| Total risk-based capital ratio | 12.3570% | 6,215 |
| Memoranda: | ||
| Average total assets | $98,515,800 | 5,035 |
| Average earning assets | $89,386,400 | 5,039 |
| Average equity | $8,677,600 | 5,507 |
| Average total loans | $63,923,800 | 4,917 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6564% | 1,865 |
| Cost of funding earning assets | 1.7948% | 1,435 |
| Net interest margin | 3.8615% | 3,698 |
| Noninterest income to average assets | 0.4686% | 4,424 |
| Noninterest expense to average assets | 3.6059% | 1,778 |
| Loan and lease loss provision to assets | 0.6302% | 2,417 |
| Net operating income to assets | -0.2493% | 6,382 |
| Return on assets (ROA) | -0.2493% | 6,430 |
| Pretax return on assets | -0.2452% | 6,358 |
| Return on Equity (ROE) | -2.7911% | 6,475 |
| Retained earnings to average equity (ytd only) | -2.7911% | 6,324 |
| Net charge-offs to loans | 1.5799% | 1,254 |
| Credit loss provision to net charge-offs | 60.6061% | 5,671 |
| Earnings coverage of net charge-offs (x) | 0.3702% | 5,661 |
| Efficiency ratio | 90.3536% | 1,257 |
| Assets per employee ($millions) | 2.8834% | 6,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7424% | 3,017 |
| Loan loss allowance to noncurrent loans | 72.1166% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 3.2947% | 2,164 |
| Noncurrent loans to loans | 2.4161% | 3,217 |
| Net loans and leases to total assets | 65.4603% | 3,809 |
| Net loans and leases to deposits | 75.8379% | 4,201 |
| Net loans and leases to core deposits | 77.2632% | 4,895 |
| Total domestic deposits to total assets | 86.3161% | 2,905 |
| Equity capital to assets | 8.7928% | 5,869 |
| Core capital (leverage) ratio | 8.2686% | 5,930 |
| Tier 1 risk-based capital ratio | 11.7771% | 5,664 |
| Total risk-based capital ratio | 13.0317% | 5,637 |
| Memoranda: | ||
| Average total assets | $97,319,250 | 5,129 |
| Average earning assets | $88,770,500 | 5,117 |
| Average equity | $8,694,000 | 5,578 |
| Average total loans | $64,053,750 | 4,979 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5937% | 2,160 |
| Cost of funding earning assets | 1.8525% | 1,421 |
| Net interest margin | 3.7412% | 4,178 |
| Noninterest income to average assets | 0.4203% | 4,752 |
| Noninterest expense to average assets | 3.4095% | 2,234 |
| Loan and lease loss provision to assets | 0.3111% | 3,888 |
| Net operating income to assets | 0.1133% | 5,823 |
| Return on assets (ROA) | 0.1133% | 5,936 |
| Pretax return on assets | 0.1195% | 5,940 |
| Return on Equity (ROE) | 1.2617% | 5,878 |
| Retained earnings to average equity (ytd only) | 1.2617% | 5,249 |
| Net charge-offs to loans | 1.2823% | 1,488 |
| Credit loss provision to net charge-offs | 37.0098% | 5,650 |
| Earnings coverage of net charge-offs (x) | 0.5123% | 5,215 |
| Efficiency ratio | 88.7876% | 1,435 |
| Assets per employee ($millions) | 2.8172% | 6,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8922% | 2,435 |
| Loan loss allowance to noncurrent loans | 43.8173% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 3.8962% | 1,779 |
| Noncurrent loans to loans | 4.3185% | 1,721 |
| Net loans and leases to total assets | 63.8722% | 4,292 |
| Net loans and leases to deposits | 72.9932% | 4,833 |
| Net loans and leases to core deposits | 74.3486% | 5,403 |
| Total domestic deposits to total assets | 87.5043% | 2,251 |
| Equity capital to assets | 9.1424% | 5,233 |
| Core capital (leverage) ratio | 8.5020% | 5,407 |
| Tier 1 risk-based capital ratio | 12.1048% | 5,221 |
| Total risk-based capital ratio | 13.3614% | 5,185 |
| Memoranda: | ||
| Average total assets | $97,080,670 | 5,164 |
| Average earning assets | $88,742,670 | 5,144 |
| Average equity | $8,718,670 | 5,581 |
| Average total loans | $63,634,330 | 5,029 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5388% | 2,417 |
| Cost of funding earning assets | 1.9359% | 1,304 |
| Net interest margin | 3.6029% | 4,716 |
| Noninterest income to average assets | 0.4011% | 4,910 |
| Noninterest expense to average assets | 3.3931% | 2,254 |
| Loan and lease loss provision to assets | 0.6180% | 2,058 |
| Net operating income to assets | -0.3315% | 6,693 |
| Return on assets (ROA) | -0.3315% | 6,746 |
| Pretax return on assets | -0.3193% | 6,656 |
| Return on Equity (ROE) | -3.7244% | 6,801 |
| Retained earnings to average equity (ytd only) | -3.7244% | 6,463 |
| Net charge-offs to loans | 2.5330% | 643 |
| Credit loss provision to net charge-offs | 37.1007% | 4,690 |
| Earnings coverage of net charge-offs (x) | 0.1794% | 4,875 |
| Efficiency ratio | 91.9069% | 1,279 |
| Assets per employee ($millions) | 2.8359% | 6,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8715% | 2,527 |
| Loan loss allowance to noncurrent loans | 37.2320% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 3.9235% | 1,762 |
| Noncurrent loans to loans | 5.0267% | 1,436 |
| Net loans and leases to total assets | 64.2218% | 4,286 |
| Net loans and leases to deposits | 74.1048% | 4,724 |
| Net loans and leases to core deposits | 75.5100% | 5,326 |
| Total domestic deposits to total assets | 86.6634% | 2,812 |
| Equity capital to assets | 8.9806% | 5,309 |
| Core capital (leverage) ratio | 8.1822% | 5,937 |
| Tier 1 risk-based capital ratio | 11.8839% | 5,315 |
| Total risk-based capital ratio | 13.1404% | 5,258 |
| Memoranda: | ||
| Average total assets | $97,728,500 | 5,217 |
| Average earning assets | $89,260,500 | 5,186 |
| Average equity | $8,699,500 | 5,629 |
| Average total loans | $64,271,500 | 5,074 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9444% | 2,066 |
| Cost of funding earning assets | 2.1743% | 2,140 |
| Net interest margin | 3.7701% | 3,836 |
| Noninterest income to average assets | 0.5428% | 4,090 |
| Noninterest expense to average assets | 3.3957% | 2,698 |
| Loan and lease loss provision to assets | 1.8238% | 1,235 |
| Net operating income to assets | -0.8595% | 6,480 |
| Return on assets (ROA) | -0.8595% | 6,478 |
| Pretax return on assets | -1.1792% | 6,527 |
| Return on Equity (ROE) | -9.0073% | 6,539 |
| Retained earnings to average equity (ytd only) | -9.0073% | 6,430 |
| Net charge-offs to loans | 2.1353% | 1,135 |
| Credit loss provision to net charge-offs | 127.7178% | 4,053 |
| Earnings coverage of net charge-offs (x) | 0.4514% | 5,659 |
| Efficiency ratio | 84.0458% | 2,342 |
| Assets per employee ($millions) | 2.9129% | 6,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1959% | 1,658 |
| Loan loss allowance to noncurrent loans | 36.6862% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 4.4367% | 1,458 |
| Noncurrent loans to loans | 5.9856% | 1,051 |
| Net loans and leases to total assets | 64.6247% | 4,463 |
| Net loans and leases to deposits | 76.1895% | 4,711 |
| Net loans and leases to core deposits | 83.8131% | 5,733 |
| Total domestic deposits to total assets | 84.8210% | 3,637 |
| Equity capital to assets | 8.8249% | 5,391 |
| Core capital (leverage) ratio | 8.3388% | 5,547 |
| Tier 1 risk-based capital ratio | 11.5142% | 5,381 |
| Total risk-based capital ratio | 12.7739% | 5,331 |
| Memoranda: | ||
| Average total assets | $97,269,000 | 5,158 |
| Average earning assets | $90,236,200 | 5,112 |
| Average equity | $9,281,400 | 5,514 |
| Average total loans | $65,048,000 | 5,065 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0089% | 1,999 |
| Cost of funding earning assets | 2.2225% | 2,302 |
| Net interest margin | 3.7864% | 3,714 |
| Noninterest income to average assets | 0.5742% | 3,898 |
| Noninterest expense to average assets | 3.4177% | 2,521 |
| Loan and lease loss provision to assets | 1.5133% | 1,263 |
| Net operating income to assets | -0.5288% | 6,458 |
| Return on assets (ROA) | -0.5288% | 6,457 |
| Pretax return on assets | -0.8262% | 6,557 |
| Return on Equity (ROE) | -5.4370% | 6,496 |
| Retained earnings to average equity (ytd only) | -5.4370% | 6,308 |
| Net charge-offs to loans | 2.0508% | 955 |
| Credit loss provision to net charge-offs | 110.0100% | 4,622 |
| Earnings coverage of net charge-offs (x) | 0.4995% | 5,531 |
| Efficiency ratio | 83.2607% | 2,398 |
| Assets per employee ($millions) | 2.8235% | 6,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7944% | 2,294 |
| Loan loss allowance to noncurrent loans | 30.7179% | 6,409 |
| Noncurrent assets plus other real estate owned to assets | 4.4001% | 1,396 |
| Noncurrent loans to loans | 5.8416% | 1,033 |
| Net loans and leases to total assets | 65.6180% | 4,504 |
| Net loans and leases to deposits | 78.3346% | 4,692 |
| Net loans and leases to core deposits | 86.7945% | 5,788 |
| Total domestic deposits to total assets | 83.7663% | 3,831 |
| Equity capital to assets | 9.6440% | 4,564 |
| Core capital (leverage) ratio | 8.9048% | 4,803 |
| Tier 1 risk-based capital ratio | 12.8393% | 4,299 |
| Total risk-based capital ratio | 14.0947% | 4,237 |
| Memoranda: | ||
| Average total assets | $96,826,750 | 5,220 |
| Average earning assets | $90,285,750 | 5,153 |
| Average equity | $9,416,750 | 5,516 |
| Average total loans | $64,950,000 | 5,110 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1958% | 1,471 |
| Cost of funding earning assets | 2.2697% | 2,491 |
| Net interest margin | 3.9261% | 2,993 |
| Noninterest income to average assets | 0.5891% | 3,776 |
| Noninterest expense to average assets | 3.4026% | 2,620 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6364% | 3,526 |
| Return on assets (ROA) | 0.6364% | 3,633 |
| Pretax return on assets | 0.8383% | 3,545 |
| Return on Equity (ROE) | 6.5261% | 3,423 |
| Retained earnings to average equity (ytd only) | 6.5261% | 1,784 |
| Net charge-offs to loans | 0.8126% | 2,060 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.5358% | 4,386 |
| Efficiency ratio | 80.2331% | 3,008 |
| Assets per employee ($millions) | 2.8790% | 6,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 4,973 |
| Loan loss allowance to noncurrent loans | 27.8387% | 6,644 |
| Noncurrent assets plus other real estate owned to assets | 3.0505% | 2,076 |
| Noncurrent loans to loans | 4.2987% | 1,528 |
| Net loans and leases to total assets | 66.3803% | 4,486 |
| Net loans and leases to deposits | 80.8383% | 4,413 |
| Net loans and leases to core deposits | 88.4330% | 5,683 |
| Total domestic deposits to total assets | 82.1149% | 4,639 |
| Equity capital to assets | 9.8788% | 4,110 |
| Core capital (leverage) ratio | 9.5212% | 3,857 |
| Tier 1 risk-based capital ratio | 13.7325% | 3,670 |
| Total risk-based capital ratio | 14.8752% | 3,666 |
| Memoranda: | ||
| Average total assets | $97,103,000 | 5,246 |
| Average earning assets | $90,319,330 | 5,186 |
| Average equity | $9,469,670 | 5,524 |
| Average total loans | $65,219,000 | 5,131 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2222% | 1,525 |
| Cost of funding earning assets | 2.3689% | 2,422 |
| Net interest margin | 3.8533% | 3,235 |
| Noninterest income to average assets | 0.4963% | 4,351 |
| Noninterest expense to average assets | 3.3378% | 2,545 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6204% | 3,938 |
| Return on assets (ROA) | 0.6204% | 4,123 |
| Pretax return on assets | 0.7445% | 4,276 |
| Return on Equity (ROE) | 6.4038% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.4038% | 2,460 |
| Net charge-offs to loans | 1.6260% | 895 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.6818% | 4,463 |
| Efficiency ratio | 81.7629% | 2,565 |
| Assets per employee ($millions) | 2.8498% | 6,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 4,891 |
| Loan loss allowance to noncurrent loans | 26.4252% | 6,814 |
| Noncurrent assets plus other real estate owned to assets | 3.2418% | 1,702 |
| Noncurrent loans to loans | 4.4874% | 1,281 |
| Net loans and leases to total assets | 67.7713% | 4,188 |
| Net loans and leases to deposits | 84.0007% | 3,984 |
| Net loans and leases to core deposits | 90.5887% | 5,500 |
| Total domestic deposits to total assets | 80.6795% | 5,099 |
| Equity capital to assets | 9.8460% | 4,188 |
| Core capital (leverage) ratio | 9.3165% | 4,221 |
| Tier 1 risk-based capital ratio | 13.7077% | 3,738 |
| Total risk-based capital ratio | 14.8692% | 3,709 |
| Memoranda: | ||
| Average total assets | $96,711,500 | 5,282 |
| Average earning assets | $90,001,000 | 5,221 |
| Average equity | $9,369,500 | 5,574 |
| Average total loans | $64,946,500 | 5,170 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3995% | 3,421 |
| Cost of funding earning assets | 2.9043% | 2,250 |
| Net interest margin | 3.4952% | 5,309 |
| Noninterest income to average assets | 0.3688% | 5,752 |
| Noninterest expense to average assets | 3.1659% | 3,466 |
| Loan and lease loss provision to assets | 0.8702% | 1,712 |
| Net operating income to assets | -0.1432% | 6,550 |
| Return on assets (ROA) | -0.1326% | 6,387 |
| Pretax return on assets | -0.4030% | 6,548 |
| Return on Equity (ROE) | -1.3081% | 6,403 |
| Retained earnings to average equity (ytd only) | -8.0939% | 6,896 |
| Net charge-offs to loans | 0.8417% | 1,491 |
| Credit loss provision to net charge-offs | 160.9195% | 3,208 |
| Earnings coverage of net charge-offs (x) | 0.8333% | 5,734 |
| Efficiency ratio | 87.5394% | 1,719 |
| Assets per employee ($millions) | 2.9252% | 6,235 |
| Cash dividends to net income (ytd only)* | -518.7500% | 8,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6583% | 2,033 |
| Loan loss allowance to noncurrent loans | 32.4391% | 6,555 |
| Noncurrent assets plus other real estate owned to assets | 3.5243% | 1,262 |
| Noncurrent loans to loans | 5.1119% | 846 |
| Net loans and leases to total assets | 64.6300% | 5,145 |
| Net loans and leases to deposits | 77.9207% | 5,352 |
| Net loans and leases to core deposits | 83.8008% | 6,304 |
| Total domestic deposits to total assets | 82.9433% | 3,795 |
| Equity capital to assets | 9.5296% | 4,640 |
| Core capital (leverage) ratio | 9.6749% | 3,802 |
| Tier 1 risk-based capital ratio | 13.7710% | 3,662 |
| Total risk-based capital ratio | 15.0247% | 3,576 |
| Memoranda: | ||
| Average total assets | $96,528,400 | 5,150 |
| Average earning assets | $89,694,400 | 5,093 |
| Average equity | $9,785,200 | 5,482 |
| Average total loans | $62,015,200 | 5,182 |