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 | 7.1109% | 205 |
| Cost of funding earning assets | 1.6226% | 1,632 |
| Net interest margin | 5.4883% | 188 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 3.2688% | 763 |
| Loan and lease loss provision to assets | 0.4000% | 240 |
| Net operating income to assets | 1.6274% | 826 |
| Return on assets (ROA) | 1.6274% | 798 |
| Pretax return on assets | 2.0600% | 618 |
| Return on Equity (ROE) | 16.3900% | 1,041 |
| Retained earnings to average equity (ytd only) | 16.3903% | 252 |
| Net charge-offs to loans | 0.0008% | 2,856 |
| Credit loss provision to net charge-offs | 74,900.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 4,934.0000% | 15 |
| Efficiency ratio | 57.0134% | 3,395 |
| Assets per employee ($millions) | 6.9979% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 1,117 |
| Loan loss allowance to noncurrent loans | 392.3792% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 2,052 |
| Noncurrent loans to loans | 0.3763% | 1,859 |
| Net loans and leases to total assets | 60.9900% | 2,754 |
| Net loans and leases to deposits | 67.8059% | 3,050 |
| Net loans and leases to core deposits | 71.8978% | 3,201 |
| Total domestic deposits to total assets | 89.9500% | 767 |
| Equity capital to assets | 9.7263% | 2,180 |
| Core capital (leverage) ratio | 10.6988% | 2,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $200,194,600 | 2,990 |
| Average earning assets | $183,718,400 | 2,979 |
| Average equity | $19,877,600 | 2,866 |
| Average total loans | $127,552,200 | 2,878 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0149% | 197 |
| Cost of funding earning assets | 1.5631% | 1,447 |
| Net interest margin | 5.4518% | 191 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 3.2683% | 750 |
| Loan and lease loss provision to assets | 0.3800% | 220 |
| Net operating income to assets | 1.5881% | 957 |
| Return on assets (ROA) | 1.5881% | 952 |
| Pretax return on assets | 2.0099% | 745 |
| Return on Equity (ROE) | 15.9000% | 1,272 |
| Retained earnings to average equity (ytd only) | 15.8969% | 472 |
| Net charge-offs to loans | -0.0011% | 3,494 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.7177% | 3,244 |
| Assets per employee ($millions) | 6.7274% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 1,582 |
| Loan loss allowance to noncurrent loans | 319.7935% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 1,954 |
| Noncurrent loans to loans | 0.4283% | 1,759 |
| Net loans and leases to total assets | 60.2700% | 2,817 |
| Net loans and leases to deposits | 66.9817% | 3,055 |
| Net loans and leases to core deposits | 70.9534% | 3,164 |
| Total domestic deposits to total assets | 89.9700% | 946 |
| Equity capital to assets | 9.6178% | 2,029 |
| Core capital (leverage) ratio | 10.6634% | 2,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $192,510,500 | 3,040 |
| Average earning assets | $176,818,250 | 3,043 |
| Average equity | $19,231,750 | 2,914 |
| Average total loans | $123,701,250 | 2,917 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9738% | 180 |
| Cost of funding earning assets | 1.4417% | 1,363 |
| Net interest margin | 5.5321% | 169 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 3.2680% | 720 |
| Loan and lease loss provision to assets | 0.3400% | 263 |
| Net operating income to assets | 1.6674% | 838 |
| Return on assets (ROA) | 1.6674% | 842 |
| Pretax return on assets | 2.1108% | 612 |
| Return on Equity (ROE) | 16.4400% | 1,195 |
| Retained earnings to average equity (ytd only) | 16.4426% | 432 |
| Net charge-offs to loans | 0.0284% | 1,318 |
| Credit loss provision to net charge-offs | 1,805.8824% | 285 |
| Earnings coverage of net charge-offs (x) | 131.4706% | 802 |
| Efficiency ratio | 57.1839% | 3,281 |
| Assets per employee ($millions) | 5.2387% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 2,153 |
| Loan loss allowance to noncurrent loans | 4,132.5000% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 3,628 |
| Noncurrent loans to loans | 0.0304% | 3,527 |
| Net loans and leases to total assets | 65.3500% | 2,226 |
| Net loans and leases to deposits | 73.2734% | 2,561 |
| Net loans and leases to core deposits | 85.6888% | 2,093 |
| Total domestic deposits to total assets | 89.1900% | 1,177 |
| Equity capital to assets | 10.3762% | 1,646 |
| Core capital (leverage) ratio | 11.6411% | 1,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $182,679,333 | 3,118 |
| Average earning assets | $168,000,667 | 3,124 |
| Average equity | $18,525,000 | 2,983 |
| Average total loans | $119,717,667 | 2,951 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7292% | 146 |
| Cost of funding earning assets | 1.3711% | 1,091 |
| Net interest margin | 5.3581% | 183 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 3.1132% | 913 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 1.7308% | 775 |
| Return on assets (ROA) | 1.7308% | 769 |
| Pretax return on assets | 2.1893% | 581 |
| Return on Equity (ROE) | 17.3000% | 1,127 |
| Retained earnings to average equity (ytd only) | 17.2972% | 571 |
| Net charge-offs to loans | -0.0035% | 3,550 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.2086% | 3,388 |
| Assets per employee ($millions) | 5.3224% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 2,380 |
| Loan loss allowance to noncurrent loans | 3,578.0488% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 3,572 |
| Noncurrent loans to loans | 0.0344% | 3,503 |
| Net loans and leases to total assets | 64.9900% | 2,156 |
| Net loans and leases to deposits | 72.6851% | 2,407 |
| Net loans and leases to core deposits | 83.3435% | 2,036 |
| Total domestic deposits to total assets | 89.4100% | 1,379 |
| Equity capital to assets | 10.1711% | 1,735 |
| Core capital (leverage) ratio | 11.2116% | 1,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $174,484,000 | 3,228 |
| Average earning assets | $161,625,000 | 3,222 |
| Average equity | $17,459,500 | 3,095 |
| Average total loans | $113,704,500 | 3,051 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8316% | 104 |
| Cost of funding earning assets | 0.4772% | 1,541 |
| Net interest margin | 5.3544% | 96 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 3.7469% | 402 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.3274% | 1,343 |
| Return on assets (ROA) | 1.3274% | 1,302 |
| Pretax return on assets | 1.4218% | 1,708 |
| Return on Equity (ROE) | 11.4700% | 2,314 |
| Retained earnings to average equity (ytd only) | 11.4660% | 789 |
| Net charge-offs to loans | -0.0127% | 3,907 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.9892% | 1,445 |
| Assets per employee ($millions) | 5.7933% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3489% | 4,525 |
| Loan loss allowance to noncurrent loans | 879.0698% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 3,575 |
| Noncurrent loans to loans | 0.0397% | 3,489 |
| Net loans and leases to total assets | 64.2600% | 2,223 |
| Net loans and leases to deposits | 75.9583% | 2,100 |
| Net loans and leases to core deposits | 84.1581% | 1,872 |
| Total domestic deposits to total assets | 84.6000% | 3,082 |
| Equity capital to assets | 9.8289% | 1,800 |
| Core capital (leverage) ratio | 10.9649% | 1,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $135,607,000 | 3,582 |
| Average earning assets | $116,520,000 | 3,660 |
| Average equity | $15,698,600 | 3,307 |
| Average total loans | $78,505,800 | 3,433 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2501% | 122 |
| Cost of funding earning assets | 0.2803% | 1,902 |
| Net interest margin | 4.9698% | 109 |
| Noninterest income to average assets | 0.6193% | 1,658 |
| Noninterest expense to average assets | 3.6664% | 368 |
| Loan and lease loss provision to assets | 0.0834% | 1,188 |
| Net operating income to assets | 0.7673% | 3,081 |
| Return on assets (ROA) | 0.7673% | 3,044 |
| Pretax return on assets | 0.9715% | 2,824 |
| Return on Equity (ROE) | 5.8464% | 3,618 |
| Retained earnings to average equity (ytd only) | 5.8464% | 2,388 |
| Net charge-offs to loans | -0.0125% | 3,671 |
| Credit loss provision to net charge-offs | -1,225.0000% | 3,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6577% | 1,110 |
| Assets per employee ($millions) | 4.0691% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5012% | 4,549 |
| Loan loss allowance to noncurrent loans | 791.4894% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 3,443 |
| Noncurrent loans to loans | 0.0633% | 3,485 |
| Net loans and leases to total assets | 56.7133% | 2,677 |
| Net loans and leases to deposits | 64.5623% | 2,671 |
| Net loans and leases to core deposits | 73.2348% | 2,224 |
| Total domestic deposits to total assets | 87.8428% | 2,637 |
| Equity capital to assets | 11.9268% | 902 |
| Core capital (leverage) ratio | 12.8763% | 846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,554,333 | 3,820 |
| Average earning assets | $97,026,000 | 3,944 |
| Average equity | $15,428,333 | 3,460 |
| Average total loans | $64,037,000 | 3,725 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0780% | 138 |
| Cost of funding earning assets | 0.2873% | 1,761 |
| Net interest margin | 4.7906% | 122 |
| Noninterest income to average assets | 0.5322% | 1,985 |
| Noninterest expense to average assets | 3.6430% | 370 |
| Loan and lease loss provision to assets | 0.0216% | 1,967 |
| Net operating income to assets | 0.5574% | 3,535 |
| Return on assets (ROA) | 0.5574% | 3,508 |
| Pretax return on assets | 0.7049% | 3,379 |
| Return on Equity (ROE) | 4.0319% | 3,870 |
| Retained earnings to average equity (ytd only) | 4.0319% | 2,925 |
| Net charge-offs to loans | -0.0136% | 3,714 |
| Credit loss provision to net charge-offs | -300.0000% | 3,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3745% | 893 |
| Assets per employee ($millions) | 4.0140% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5270% | 4,563 |
| Loan loss allowance to noncurrent loans | 817.5000% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 3,506 |
| Noncurrent loans to loans | 0.0645% | 3,527 |
| Net loans and leases to total assets | 53.0196% | 2,875 |
| Net loans and leases to deposits | 61.1487% | 2,793 |
| Net loans and leases to core deposits | 68.2857% | 2,431 |
| Total domestic deposits to total assets | 86.7060% | 3,034 |
| Equity capital to assets | 13.1394% | 663 |
| Core capital (leverage) ratio | 13.5728% | 655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,226,000 | 3,901 |
| Average earning assets | $89,090,500 | 4,031 |
| Average equity | $15,377,500 | 3,529 |
| Average total loans | $58,946,000 | 3,806 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7170% | 410 |
| Cost of funding earning assets | 0.1748% | 3,717 |
| Net interest margin | 4.5422% | 249 |
| Noninterest income to average assets | 0.2774% | 3,726 |
| Noninterest expense to average assets | 3.8838% | 323 |
| Loan and lease loss provision to assets | -0.1097% | 4,552 |
| Net operating income to assets | -0.3471% | 4,741 |
| Return on assets (ROA) | -0.3639% | 4,749 |
| Pretax return on assets | -0.3613% | 4,748 |
| Return on Equity (ROE) | -2.4305% | 4,744 |
| Retained earnings to average equity (ytd only) | -2.4305% | 4,640 |
| Net charge-offs to loans | -0.1163% | 4,609 |
| Credit loss provision to net charge-offs | 242.8571% | 1,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.2430% | 83 |
| Assets per employee ($millions) | 4.0787% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5712% | 4,560 |
| Loan loss allowance to noncurrent loans | 625.4902% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 3,473 |
| Noncurrent loans to loans | 0.0913% | 3,469 |
| Net loans and leases to total assets | 52.3622% | 3,017 |
| Net loans and leases to deposits | 61.5071% | 2,935 |
| Net loans and leases to core deposits | 69.6485% | 2,484 |
| Total domestic deposits to total assets | 85.1319% | 3,228 |
| Equity capital to assets | 14.5786% | 560 |
| Core capital (leverage) ratio | 16.5469% | 320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,500,800 | 4,252 |
| Average earning assets | $53,784,600 | 4,467 |
| Average equity | $11,602,400 | 3,973 |
| Average total loans | $30,101,400 | 4,372 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3950% | 816 |
| Cost of funding earning assets | 0.1743% | 3,878 |
| Net interest margin | 4.2207% | 518 |
| Noninterest income to average assets | 0.2501% | 3,897 |
| Noninterest expense to average assets | 3.3539% | 573 |
| Loan and lease loss provision to assets | -0.2061% | 4,758 |
| Net operating income to assets | -0.1649% | 4,789 |
| Return on assets (ROA) | -0.1649% | 4,795 |
| Pretax return on assets | -0.0985% | 4,777 |
| Return on Equity (ROE) | -1.0904% | 4,792 |
| Retained earnings to average equity (ytd only) | -1.0904% | 4,668 |
| Net charge-offs to loans | -0.1521% | 4,730 |
| Credit loss provision to net charge-offs | 403.7037% | 850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0062% | 103 |
| Assets per employee ($millions) | 3.1399% | 4,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7033% | 4,496 |
| Loan loss allowance to noncurrent loans | 989.6552% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1825% | 2,891 |
| Noncurrent loans to loans | 0.0711% | 3,736 |
| Net loans and leases to total assets | 49.6331% | 3,448 |
| Net loans and leases to deposits | 57.2561% | 3,466 |
| Net loans and leases to core deposits | 57.7095% | 3,651 |
| Total domestic deposits to total assets | 86.6862% | 2,470 |
| Equity capital to assets | 13.1350% | 946 |
| Core capital (leverage) ratio | 14.5714% | 548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,364,500 | 4,394 |
| Average earning assets | $46,657,500 | 4,609 |
| Average equity | $10,638,000 | 4,127 |
| Average total loans | $23,665,000 | 4,561 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 746 |
| Cost of funding earning assets | 0.2122% | 3,633 |
| Net interest margin | 4.2707% | 515 |
| Noninterest income to average assets | 0.2342% | 4,001 |
| Noninterest expense to average assets | 3.0477% | 910 |
| Loan and lease loss provision to assets | -0.3273% | 4,850 |
| Net operating income to assets | -0.0661% | 4,789 |
| Return on assets (ROA) | -0.0661% | 4,800 |
| Pretax return on assets | -0.0090% | 4,782 |
| Return on Equity (ROE) | -0.4147% | 4,797 |
| Retained earnings to average equity (ytd only) | -0.4147% | 4,556 |
| Net charge-offs to loans | -0.1894% | 4,789 |
| Credit loss provision to net charge-offs | 641.1765% | 596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.4031% | 97 |
| Assets per employee ($millions) | 3.7676% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 2,649 |
| Loan loss allowance to noncurrent loans | 865.6250% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 2,809 |
| Noncurrent loans to loans | 0.1454% | 3,476 |
| Net loans and leases to total assets | 32.0514% | 4,591 |
| Net loans and leases to deposits | 38.1173% | 4,578 |
| Net loans and leases to core deposits | 38.4953% | 4,614 |
| Total domestic deposits to total assets | 84.0864% | 3,407 |
| Equity capital to assets | 15.7028% | 443 |
| Core capital (leverage) ratio | 15.3758% | 430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,607,000 | 4,458 |
| Average earning assets | $38,635,000 | 4,727 |
| Average equity | $10,609,667 | 4,144 |
| Average total loans | $17,951,333 | 4,705 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7794% | 501 |
| Cost of funding earning assets | 0.2567% | 3,412 |
| Net interest margin | 4.5227% | 342 |
| Noninterest income to average assets | 0.2364% | 3,977 |
| Noninterest expense to average assets | 3.0120% | 973 |
| Loan and lease loss provision to assets | -0.9878% | 4,956 |
| Net operating income to assets | 0.4545% | 4,261 |
| Return on assets (ROA) | 0.4545% | 4,298 |
| Pretax return on assets | 0.4545% | 4,411 |
| Return on Equity (ROE) | 2.8329% | 4,505 |
| Retained earnings to average equity (ytd only) | 2.8329% | 3,833 |
| Net charge-offs to loans | -0.2512% | 4,821 |
| Credit loss provision to net charge-offs | 1,630.0000% | 286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.5159% | 68 |
| Assets per employee ($millions) | 3.7978% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 2,113 |
| Loan loss allowance to noncurrent loans | 153.1915% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 2,272 |
| Noncurrent loans to loans | 0.8929% | 1,514 |
| Net loans and leases to total assets | 22.7838% | 4,826 |
| Net loans and leases to deposits | 27.0188% | 4,827 |
| Net loans and leases to core deposits | 27.2853% | 4,837 |
| Total domestic deposits to total assets | 84.3256% | 3,333 |
| Equity capital to assets | 15.5559% | 432 |
| Core capital (leverage) ratio | 16.1318% | 372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,002,500 | 4,480 |
| Average earning assets | $32,723,500 | 4,813 |
| Average equity | $10,590,000 | 4,159 |
| Average total loans | $15,920,500 | 4,764 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1840% | 4,471 |
| Cost of funding earning assets | 0.1607% | 4,699 |
| Net interest margin | 3.0233% | 3,835 |
| Noninterest income to average assets | 0.2794% | 3,807 |
| Noninterest expense to average assets | 2.6666% | 2,338 |
| Loan and lease loss provision to assets | 0.3346% | 1,054 |
| Net operating income to assets | -0.5072% | 4,881 |
| Return on assets (ROA) | 0.3162% | 4,479 |
| Pretax return on assets | 0.8381% | 3,538 |
| Return on Equity (ROE) | 2.3922% | 4,509 |
| Retained earnings to average equity (ytd only) | 2.3922% | 3,668 |
| Net charge-offs to loans | 0.2888% | 595 |
| Credit loss provision to net charge-offs | 454.5455% | 1,326 |
| Earnings coverage of net charge-offs (x) | 1.7727% | 3,234 |
| Efficiency ratio | 95.3349% | 241 |
| Assets per employee ($millions) | 3.9778% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2991% | 353 |
| Loan loss allowance to noncurrent loans | 177.4038% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 2,008 |
| Noncurrent loans to loans | 1.2960% | 1,053 |
| Net loans and leases to total assets | 24.6382% | 4,845 |
| Net loans and leases to deposits | 29.5717% | 4,837 |
| Net loans and leases to core deposits | 29.8919% | 4,853 |
| Total domestic deposits to total assets | 83.3168% | 3,325 |
| Equity capital to assets | 16.5700% | 375 |
| Core capital (leverage) ratio | 16.3697% | 360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,777,600 | 4,516 |
| Average earning assets | $49,779,800 | 4,586 |
| Average equity | $7,900,800 | 4,434 |
| Average total loans | $15,235,200 | 4,803 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9969% | 4,735 |
| Cost of funding earning assets | 0.1440% | 4,814 |
| Net interest margin | 2.8529% | 4,260 |
| Noninterest income to average assets | 0.3015% | 3,678 |
| Noninterest expense to average assets | 3.5004% | 707 |
| Loan and lease loss provision to assets | 0.4540% | 708 |
| Net operating income to assets | -1.7094% | 4,979 |
| Return on assets (ROA) | -1.7094% | 4,981 |
| Pretax return on assets | -1.0021% | 4,943 |
| Return on Equity (ROE) | -13.8864% | 4,984 |
| Retained earnings to average equity (ytd only) | -13.8864% | 4,960 |
| Net charge-offs to loans | 0.1242% | 1,136 |
| Credit loss provision to net charge-offs | 1,428.5714% | 639 |
| Earnings coverage of net charge-offs (x) | -17.2857% | 3,211 |
| Efficiency ratio | 118.5868% | 82 |
| Assets per employee ($millions) | 5.3532% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5747% | 209 |
| Loan loss allowance to noncurrent loans | 215.6757% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 2,299 |
| Noncurrent loans to loans | 1.1938% | 1,274 |
| Net loans and leases to total assets | 23.5032% | 4,898 |
| Net loans and leases to deposits | 26.5119% | 4,913 |
| Net loans and leases to core deposits | 26.7785% | 4,913 |
| Total domestic deposits to total assets | 88.6516% | 921 |
| Equity capital to assets | 10.7351% | 2,598 |
| Core capital (leverage) ratio | 10.7802% | 2,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,810,750 | 4,545 |
| Average earning assets | $54,632,500 | 4,532 |
| Average equity | $7,239,500 | 4,522 |
| Average total loans | $15,031,500 | 4,836 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1685% | 4,737 |
| Cost of funding earning assets | 0.1399% | 4,904 |
| Net interest margin | 3.0286% | 4,058 |
| Noninterest income to average assets | 0.3053% | 3,634 |
| Noninterest expense to average assets | 4.1157% | 362 |
| Loan and lease loss provision to assets | 0.1684% | 2,322 |
| Net operating income to assets | -2.2631% | 5,020 |
| Return on assets (ROA) | -2.2631% | 5,021 |
| Pretax return on assets | -1.1684% | 4,962 |
| Return on Equity (ROE) | -17.5415% | 5,025 |
| Retained earnings to average equity (ytd only) | -17.5415% | 4,996 |
| Net charge-offs to loans | 0.0403% | 1,937 |
| Credit loss provision to net charge-offs | 1,600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | -95.0000% | 3,025 |
| Efficiency ratio | 132.0946% | 64 |
| Assets per employee ($millions) | 5.2539% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7054% | 804 |
| Loan loss allowance to noncurrent loans | 131.6327% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.5012% | 2,335 |
| Noncurrent loans to loans | 1.2956% | 1,201 |
| Net loans and leases to total assets | 23.5856% | 4,931 |
| Net loans and leases to deposits | 26.8315% | 4,948 |
| Net loans and leases to core deposits | 27.1039% | 4,949 |
| Total domestic deposits to total assets | 87.9027% | 1,231 |
| Equity capital to assets | 11.1266% | 2,232 |
| Core capital (leverage) ratio | 11.5255% | 1,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,001,667 | 4,582 |
| Average earning assets | $52,895,000 | 4,571 |
| Average equity | $7,354,000 | 4,532 |
| Average total loans | $14,876,333 | 4,869 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5098% | 4,622 |
| Cost of funding earning assets | 0.1442% | 4,980 |
| Net interest margin | 3.3655% | 3,409 |
| Noninterest income to average assets | 0.3557% | 3,390 |
| Noninterest expense to average assets | 2.6899% | 2,738 |
| Loan and lease loss provision to assets | 0.0741% | 2,810 |
| Net operating income to assets | 0.7040% | 3,258 |
| Return on assets (ROA) | 0.7040% | 3,335 |
| Pretax return on assets | 0.7040% | 3,677 |
| Return on Equity (ROE) | 5.0508% | 3,612 |
| Retained earnings to average equity (ytd only) | 5.0508% | 2,253 |
| Net charge-offs to loans | 0.2441% | 590 |
| Credit loss provision to net charge-offs | 111.1111% | 1,747 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 1,723 |
| Efficiency ratio | 77.5641% | 1,389 |
| Assets per employee ($millions) | 4.6147% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 1,404 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5273% | 2,408 |
| Noncurrent loans to loans | 1.1853% | 1,386 |
| Net loans and leases to total assets | 25.8162% | 4,961 |
| Net loans and leases to deposits | 30.0582% | 4,975 |
| Net loans and leases to core deposits | 30.4170% | 4,983 |
| Total domestic deposits to total assets | 85.8874% | 2,040 |
| Equity capital to assets | 13.8562% | 1,109 |
| Core capital (leverage) ratio | 13.3020% | 1,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,979,000 | 4,642 |
| Average earning assets | $49,918,000 | 4,640 |
| Average equity | $7,523,500 | 4,550 |
| Average total loans | $14,750,500 | 4,908 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3147% | 4,961 |
| Cost of funding earning assets | 0.1700% | 5,015 |
| Net interest margin | 3.1447% | 4,296 |
| Noninterest income to average assets | 0.2708% | 4,057 |
| Noninterest expense to average assets | 2.5694% | 3,261 |
| Loan and lease loss provision to assets | 0.1999% | 1,019 |
| Net operating income to assets | 0.3580% | 4,664 |
| Return on assets (ROA) | 0.3580% | 4,695 |
| Pretax return on assets | 0.3580% | 4,760 |
| Return on Equity (ROE) | 2.7748% | 4,696 |
| Retained earnings to average equity (ytd only) | 2.3804% | 3,832 |
| Net charge-offs to loans | 1.4308% | 102 |
| Credit loss provision to net charge-offs | 53.3981% | 3,100 |
| Earnings coverage of net charge-offs (x) | 1.4903% | 3,535 |
| Efficiency ratio | 82.1615% | 790 |
| Assets per employee ($millions) | 4.3818% | 3,402 |
| Cash dividends to net income (ytd only)* | 14.2132% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 1,450 |
| Loan loss allowance to noncurrent loans | 86.5854% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 1,861 |
| Noncurrent loans to loans | 1.6411% | 849 |
| Net loans and leases to total assets | 28.1028% | 4,994 |
| Net loans and leases to deposits | 32.7359% | 5,012 |
| Net loans and leases to core deposits | 33.1509% | 5,021 |
| Total domestic deposits to total assets | 85.8469% | 2,121 |
| Equity capital to assets | 14.0238% | 1,085 |
| Core capital (leverage) ratio | 12.9296% | 1,266 |
| Tier 1 risk-based capital ratio | 42.3568% | 210 |
| Total risk-based capital ratio | 43.6046% | 202 |
| Memoranda: | ||
| Average total assets | $55,032,000 | 4,667 |
| Average earning assets | $49,988,800 | 4,671 |
| Average equity | $7,099,600 | 4,627 |
| Average total loans | $14,397,600 | 4,975 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2719% | 5,077 |
| Cost of funding earning assets | 0.1696% | 5,088 |
| Net interest margin | 3.1023% | 4,470 |
| Noninterest income to average assets | 0.2875% | 4,010 |
| Noninterest expense to average assets | 2.5039% | 3,427 |
| Loan and lease loss provision to assets | 0.2636% | 593 |
| Net operating income to assets | 0.3259% | 4,810 |
| Return on assets (ROA) | 0.3259% | 4,835 |
| Pretax return on assets | 0.3259% | 4,879 |
| Return on Equity (ROE) | 2.5790% | 4,827 |
| Retained earnings to average equity (ytd only) | 2.5790% | 4,058 |
| Net charge-offs to loans | 1.1134% | 130 |
| Credit loss provision to net charge-offs | 92.4370% | 2,370 |
| Earnings coverage of net charge-offs (x) | 2.0673% | 3,223 |
| Efficiency ratio | 80.9450% | 836 |
| Assets per employee ($millions) | 4.7125% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0263% | 438 |
| Loan loss allowance to noncurrent loans | 68.4932% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.0221% | 1,310 |
| Noncurrent loans to loans | 2.9585% | 340 |
| Net loans and leases to total assets | 25.6499% | 5,114 |
| Net loans and leases to deposits | 29.5321% | 5,128 |
| Net loans and leases to core deposits | 29.8783% | 5,133 |
| Total domestic deposits to total assets | 86.8541% | 1,595 |
| Equity capital to assets | 12.9920% | 1,634 |
| Core capital (leverage) ratio | 12.8321% | 1,415 |
| Tier 1 risk-based capital ratio | 41.0446% | 230 |
| Total risk-based capital ratio | 42.3005% | 225 |
| Memoranda: | ||
| Average total assets | $55,644,500 | 4,720 |
| Average earning assets | $50,326,250 | 4,737 |
| Average equity | $7,031,000 | 4,695 |
| Average total loans | $14,249,500 | 5,059 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2916% | 5,127 |
| Cost of funding earning assets | 0.1813% | 5,112 |
| Net interest margin | 3.1103% | 4,513 |
| Noninterest income to average assets | 0.2783% | 4,073 |
| Noninterest expense to average assets | 2.5514% | 3,328 |
| Loan and lease loss provision to assets | 0.3975% | 305 |
| Net operating income to assets | 0.1193% | 5,047 |
| Return on assets (ROA) | 0.1193% | 5,057 |
| Pretax return on assets | 0.1193% | 5,061 |
| Return on Equity (ROE) | 0.9530% | 5,052 |
| Retained earnings to average equity (ytd only) | 0.9530% | 4,450 |
| Net charge-offs to loans | 1.3652% | 88 |
| Credit loss provision to net charge-offs | 114.5833% | 1,804 |
| Earnings coverage of net charge-offs (x) | 1.4896% | 3,015 |
| Efficiency ratio | 83.1567% | 718 |
| Assets per employee ($millions) | 4.5830% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2932% | 300 |
| Loan loss allowance to noncurrent loans | 71.9376% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 1.0710% | 1,275 |
| Noncurrent loans to loans | 3.1878% | 304 |
| Net loans and leases to total assets | 25.0236% | 5,166 |
| Net loans and leases to deposits | 28.8372% | 5,179 |
| Net loans and leases to core deposits | 29.1865% | 5,187 |
| Total domestic deposits to total assets | 86.7754% | 1,695 |
| Equity capital to assets | 13.0573% | 1,561 |
| Core capital (leverage) ratio | 12.6679% | 1,451 |
| Tier 1 risk-based capital ratio | 43.9150% | 185 |
| Total risk-based capital ratio | 45.1716% | 184 |
| Memoranda: | ||
| Average total assets | $55,342,670 | 4,763 |
| Average earning assets | $49,642,000 | 4,779 |
| Average equity | $6,925,670 | 4,736 |
| Average total loans | $14,064,330 | 5,108 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2449% | 5,200 |
| Cost of funding earning assets | 0.1767% | 5,166 |
| Net interest margin | 3.0682% | 4,642 |
| Noninterest income to average assets | 0.2666% | 4,096 |
| Noninterest expense to average assets | 2.4642% | 3,598 |
| Loan and lease loss provision to assets | 0.7926% | 126 |
| Net operating income to assets | -0.2378% | 5,211 |
| Return on assets (ROA) | -0.2378% | 5,209 |
| Pretax return on assets | -0.2378% | 5,203 |
| Return on Equity (ROE) | -1.9417% | 5,214 |
| Retained earnings to average equity (ytd only) | -1.9417% | 4,740 |
| Net charge-offs to loans | 2.3054% | 47 |
| Credit loss provision to net charge-offs | 135.8025% | 1,324 |
| Earnings coverage of net charge-offs (x) | 0.9506% | 2,635 |
| Efficiency ratio | 81.6229% | 909 |
| Assets per employee ($millions) | 4.6638% | 2,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4233% | 268 |
| Loan loss allowance to noncurrent loans | 71.1579% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.0989% | 1,260 |
| Noncurrent loans to loans | 3.4055% | 274 |
| Net loans and leases to total assets | 24.3188% | 5,232 |
| Net loans and leases to deposits | 27.7800% | 5,238 |
| Net loans and leases to core deposits | 28.1105% | 5,244 |
| Total domestic deposits to total assets | 87.5404% | 1,553 |
| Equity capital to assets | 12.2845% | 1,853 |
| Core capital (leverage) ratio | 12.4308% | 1,548 |
| Tier 1 risk-based capital ratio | 42.5039% | 197 |
| Total risk-based capital ratio | 43.7622% | 190 |
| Memoranda: | ||
| Average total assets | $55,516,000 | 4,816 |
| Average earning assets | $49,801,500 | 4,830 |
| Average equity | $6,798,000 | 4,789 |
| Average total loans | $14,054,000 | 5,164 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2710% | 5,102 |
| Cost of funding earning assets | 0.1592% | 5,152 |
| Net interest margin | 3.1118% | 4,632 |
| Noninterest income to average assets | 0.4552% | 3,078 |
| Noninterest expense to average assets | 2.6603% | 3,152 |
| Loan and lease loss provision to assets | 0.1712% | 1,166 |
| Net operating income to assets | 0.4006% | 4,865 |
| Return on assets (ROA) | 0.4006% | 4,857 |
| Pretax return on assets | 0.4006% | 4,932 |
| Return on Equity (ROE) | 3.3146% | 4,853 |
| Retained earnings to average equity (ytd only) | 2.8927% | 3,954 |
| Net charge-offs to loans | 0.6321% | 267 |
| Credit loss provision to net charge-offs | 105.6180% | 2,415 |
| Earnings coverage of net charge-offs (x) | 3.5281% | 3,399 |
| Efficiency ratio | 82.3099% | 773 |
| Assets per employee ($millions) | 4.5843% | 3,042 |
| Cash dividends to net income (ytd only)* | 12.7273% | 3,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1751% | 345 |
| Loan loss allowance to noncurrent loans | 56.0000% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.2688% | 1,011 |
| Noncurrent loans to loans | 3.8842% | 197 |
| Net loans and leases to total assets | 25.1800% | 5,267 |
| Net loans and leases to deposits | 28.7005% | 5,284 |
| Net loans and leases to core deposits | 29.8316% | 5,278 |
| Total domestic deposits to total assets | 87.7336% | 1,428 |
| Equity capital to assets | 12.1174% | 1,807 |
| Core capital (leverage) ratio | 12.4841% | 1,463 |
| Tier 1 risk-based capital ratio | 41.9943% | 207 |
| Total risk-based capital ratio | 43.2493% | 203 |
| Memoranda: | ||
| Average total assets | $54,917,600 | 4,860 |
| Average earning assets | $49,006,600 | 4,876 |
| Average equity | $6,637,400 | 4,803 |
| Average total loans | $14,080,800 | 5,211 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2456% | 5,171 |
| Cost of funding earning assets | 0.1474% | 5,228 |
| Net interest margin | 3.0982% | 4,708 |
| Noninterest income to average assets | 0.5149% | 2,772 |
| Noninterest expense to average assets | 2.6523% | 3,117 |
| Loan and lease loss provision to assets | 0.0729% | 2,496 |
| Net operating income to assets | 0.5465% | 4,650 |
| Return on assets (ROA) | 0.5465% | 4,657 |
| Pretax return on assets | 0.5465% | 4,823 |
| Return on Equity (ROE) | 4.5246% | 4,691 |
| Retained earnings to average equity (ytd only) | 4.5246% | 3,488 |
| Net charge-offs to loans | 0.1422% | 1,147 |
| Credit loss provision to net charge-offs | 200.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 16.9995% | 2,130 |
| Efficiency ratio | 81.0690% | 854 |
| Assets per employee ($millions) | 4.1093% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2301% | 345 |
| Loan loss allowance to noncurrent loans | 43.6389% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 1.5314% | 830 |
| Noncurrent loans to loans | 5.1105% | 120 |
| Net loans and leases to total assets | 24.3091% | 5,350 |
| Net loans and leases to deposits | 27.4733% | 5,364 |
| Net loans and leases to core deposits | 27.7921% | 5,366 |
| Total domestic deposits to total assets | 88.4825% | 1,055 |
| Equity capital to assets | 11.3471% | 2,362 |
| Core capital (leverage) ratio | 12.3412% | 1,585 |
| Tier 1 risk-based capital ratio | 39.8294% | 239 |
| Total risk-based capital ratio | 41.0852% | 234 |
| Memoranda: | ||
| Average total assets | $54,894,000 | 4,912 |
| Average earning assets | $48,844,000 | 4,935 |
| Average equity | $6,630,250 | 4,855 |
| Average total loans | $14,061,000 | 5,278 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2193% | 5,211 |
| Cost of funding earning assets | 0.1445% | 5,267 |
| Net interest margin | 3.0748% | 4,776 |
| Noninterest income to average assets | 0.6628% | 2,040 |
| Noninterest expense to average assets | 2.7214% | 2,937 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6998% | 4,193 |
| Return on assets (ROA) | 0.6998% | 4,200 |
| Pretax return on assets | 0.6998% | 4,513 |
| Return on Equity (ROE) | 5.6720% | 4,353 |
| Retained earnings to average equity (ytd only) | 5.6720% | 2,738 |
| Net charge-offs to loans | 0.1860% | 843 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 14.5385% | 2,092 |
| Efficiency ratio | 79.5455% | 1,062 |
| Assets per employee ($millions) | 3.8782% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0651% | 465 |
| Loan loss allowance to noncurrent loans | 34.7255% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 1.9044% | 578 |
| Noncurrent loans to loans | 5.9471% | 91 |
| Net loans and leases to total assets | 25.4167% | 5,393 |
| Net loans and leases to deposits | 28.9934% | 5,406 |
| Net loans and leases to core deposits | 29.3555% | 5,408 |
| Total domestic deposits to total assets | 87.6637% | 1,554 |
| Equity capital to assets | 12.1724% | 1,736 |
| Core capital (leverage) ratio | 12.4919% | 1,443 |
| Tier 1 risk-based capital ratio | 40.1352% | 224 |
| Total risk-based capital ratio | 41.3859% | 223 |
| Memoranda: | ||
| Average total assets | $54,015,330 | 4,979 |
| Average earning assets | $48,457,670 | 4,992 |
| Average equity | $6,664,330 | 4,896 |
| Average total loans | $13,980,000 | 5,341 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1524% | 5,274 |
| Cost of funding earning assets | 0.1493% | 5,272 |
| Net interest margin | 3.0031% | 4,877 |
| Noninterest income to average assets | 0.2744% | 4,333 |
| Noninterest expense to average assets | 2.3806% | 4,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5785% | 4,487 |
| Return on assets (ROA) | 0.5785% | 4,494 |
| Pretax return on assets | 0.5785% | 4,738 |
| Return on Equity (ROE) | 4.6467% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.6467% | 3,339 |
| Net charge-offs to loans | 0.1724% | 843 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,775 |
| Efficiency ratio | 80.4511% | 1,095 |
| Assets per employee ($millions) | 4.2647% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1499% | 423 |
| Loan loss allowance to noncurrent loans | 48.6928% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.4574% | 977 |
| Noncurrent loans to loans | 4.4153% | 202 |
| Net loans and leases to total assets | 24.4638% | 5,460 |
| Net loans and leases to deposits | 27.9017% | 5,473 |
| Net loans and leases to core deposits | 28.2451% | 5,479 |
| Total domestic deposits to total assets | 87.6788% | 1,798 |
| Equity capital to assets | 12.0272% | 1,767 |
| Core capital (leverage) ratio | 12.3675% | 1,447 |
| Tier 1 risk-based capital ratio | 39.3435% | 235 |
| Total risk-based capital ratio | 40.6000% | 230 |
| Memoranda: | ||
| Average total assets | $53,935,500 | 5,038 |
| Average earning assets | $48,216,500 | 5,057 |
| Average equity | $6,714,500 | 4,940 |
| Average total loans | $13,924,500 | 5,403 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2896% | 5,091 |
| Cost of funding earning assets | 0.1583% | 5,216 |
| Net interest margin | 3.1313% | 4,625 |
| Noninterest income to average assets | 0.3019% | 4,296 |
| Noninterest expense to average assets | 2.6739% | 3,219 |
| Loan and lease loss provision to assets | 0.2273% | 860 |
| Net operating income to assets | 0.2012% | 5,105 |
| Return on assets (ROA) | 0.2031% | 5,119 |
| Pretax return on assets | 0.2031% | 5,308 |
| Return on Equity (ROE) | 1.6064% | 5,138 |
| Retained earnings to average equity (ytd only) | 1.1938% | 4,547 |
| Net charge-offs to loans | 0.8048% | 250 |
| Credit loss provision to net charge-offs | 107.0175% | 2,422 |
| Earnings coverage of net charge-offs (x) | 2.0175% | 3,813 |
| Efficiency ratio | 86.1862% | 633 |
| Assets per employee ($millions) | 4.0331% | 3,912 |
| Cash dividends to net income (ytd only)* | 25.6881% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1733% | 392 |
| Loan loss allowance to noncurrent loans | 42.2222% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 1.6880% | 762 |
| Noncurrent loans to loans | 5.1473% | 129 |
| Net loans and leases to total assets | 26.0996% | 5,499 |
| Net loans and leases to deposits | 30.0200% | 5,515 |
| Net loans and leases to core deposits | 30.4163% | 5,523 |
| Total domestic deposits to total assets | 86.9407% | 2,023 |
| Equity capital to assets | 12.8953% | 1,318 |
| Core capital (leverage) ratio | 12.5378% | 1,335 |
| Tier 1 risk-based capital ratio | 39.1705% | 229 |
| Total risk-based capital ratio | 40.4315% | 225 |
| Memoranda: | ||
| Average total assets | $53,667,600 | 5,084 |
| Average earning assets | $47,999,400 | 5,107 |
| Average equity | $6,785,200 | 4,977 |
| Average total loans | $14,164,400 | 5,461 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2767% | 5,143 |
| Cost of funding earning assets | 0.1574% | 5,271 |
| Net interest margin | 3.1193% | 4,655 |
| Noninterest income to average assets | 0.3112% | 4,299 |
| Noninterest expense to average assets | 2.6702% | 3,163 |
| Loan and lease loss provision to assets | 0.2272% | 806 |
| Net operating income to assets | 0.2050% | 5,349 |
| Return on assets (ROA) | 0.2075% | 5,359 |
| Pretax return on assets | 0.2075% | 5,382 |
| Return on Equity (ROE) | 1.6492% | 5,354 |
| Retained earnings to average equity (ytd only) | 1.6492% | 4,768 |
| Net charge-offs to loans | 0.9477% | 188 |
| Credit loss provision to net charge-offs | 91.0891% | 2,446 |
| Earnings coverage of net charge-offs (x) | 1.7327% | 3,553 |
| Efficiency ratio | 86.0669% | 626 |
| Assets per employee ($millions) | 4.1064% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0456% | 527 |
| Loan loss allowance to noncurrent loans | 54.2533% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 1.3000% | 1,236 |
| Noncurrent loans to loans | 3.7705% | 277 |
| Net loans and leases to total assets | 25.7442% | 5,573 |
| Net loans and leases to deposits | 29.6000% | 5,593 |
| Net loans and leases to core deposits | 29.9863% | 5,603 |
| Total domestic deposits to total assets | 86.9734% | 1,880 |
| Equity capital to assets | 12.8449% | 1,468 |
| Core capital (leverage) ratio | 12.5640% | 1,394 |
| Tier 1 risk-based capital ratio | 38.3410% | 245 |
| Total risk-based capital ratio | 39.6006% | 243 |
| Memoranda: | ||
| Average total assets | $53,977,000 | 5,140 |
| Average earning assets | $48,299,500 | 5,157 |
| Average equity | $6,791,250 | 5,031 |
| Average total loans | $14,208,500 | 5,520 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2940% | 5,116 |
| Cost of funding earning assets | 0.1567% | 5,294 |
| Net interest margin | 3.1374% | 4,580 |
| Noninterest income to average assets | 0.3027% | 4,373 |
| Noninterest expense to average assets | 2.6691% | 3,201 |
| Loan and lease loss provision to assets | 0.1108% | 1,845 |
| Net operating income to assets | 0.3323% | 5,146 |
| Return on assets (ROA) | 0.3359% | 5,156 |
| Pretax return on assets | 0.3359% | 5,292 |
| Return on Equity (ROE) | 2.6886% | 5,201 |
| Retained earnings to average equity (ytd only) | 2.6886% | 4,093 |
| Net charge-offs to loans | 0.6869% | 283 |
| Credit loss provision to net charge-offs | 61.2245% | 2,454 |
| Earnings coverage of net charge-offs (x) | 2.4490% | 3,160 |
| Efficiency ratio | 85.7651% | 710 |
| Assets per employee ($millions) | 4.1208% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9821% | 626 |
| Loan loss allowance to noncurrent loans | 48.3421% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 1.3776% | 1,149 |
| Noncurrent loans to loans | 4.1002% | 226 |
| Net loans and leases to total assets | 25.5698% | 5,620 |
| Net loans and leases to deposits | 29.6898% | 5,633 |
| Net loans and leases to core deposits | 30.0824% | 5,641 |
| Total domestic deposits to total assets | 86.1231% | 2,325 |
| Equity capital to assets | 12.7980% | 1,471 |
| Core capital (leverage) ratio | 12.2226% | 1,520 |
| Tier 1 risk-based capital ratio | 38.5351% | 235 |
| Total risk-based capital ratio | 39.7947% | 230 |
| Memoranda: | ||
| Average total assets | $54,175,000 | 5,168 |
| Average earning assets | $48,512,000 | 5,182 |
| Average equity | $6,769,330 | 5,061 |
| Average total loans | $14,268,000 | 5,563 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2349% | 5,194 |
| Cost of funding earning assets | 0.1485% | 5,386 |
| Net interest margin | 3.0863% | 4,694 |
| Noninterest income to average assets | 0.3010% | 4,408 |
| Noninterest expense to average assets | 2.6800% | 3,211 |
| Loan and lease loss provision to assets | 0.2203% | 722 |
| Net operating income to assets | 0.1469% | 5,463 |
| Return on assets (ROA) | 0.1469% | 5,472 |
| Pretax return on assets | 0.1469% | 5,485 |
| Return on Equity (ROE) | 1.1894% | 5,464 |
| Retained earnings to average equity (ytd only) | 1.1894% | 4,595 |
| Net charge-offs to loans | 0.6382% | 280 |
| Credit loss provision to net charge-offs | 130.4348% | 1,310 |
| Earnings coverage of net charge-offs (x) | 2.1739% | 2,630 |
| Efficiency ratio | 87.9518% | 660 |
| Assets per employee ($millions) | 4.3163% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1039% | 551 |
| Loan loss allowance to noncurrent loans | 44.7563% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 1.5006% | 1,067 |
| Noncurrent loans to loans | 4.7007% | 180 |
| Net loans and leases to total assets | 25.1265% | 5,680 |
| Net loans and leases to deposits | 28.6059% | 5,698 |
| Net loans and leases to core deposits | 28.9620% | 5,705 |
| Total domestic deposits to total assets | 87.8368% | 1,808 |
| Equity capital to assets | 12.0188% | 1,819 |
| Core capital (leverage) ratio | 12.1694% | 1,525 |
| Tier 1 risk-based capital ratio | 36.7326% | 280 |
| Total risk-based capital ratio | 37.9897% | 277 |
| Memoranda: | ||
| Average total assets | $54,477,000 | 5,216 |
| Average earning assets | $48,471,500 | 5,239 |
| Average equity | $6,726,000 | 5,117 |
| Average total loans | $14,414,500 | 5,624 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3653% | 5,048 |
| Cost of funding earning assets | 0.1552% | 5,383 |
| Net interest margin | 3.2101% | 4,420 |
| Noninterest income to average assets | 0.3341% | 4,347 |
| Noninterest expense to average assets | 2.6578% | 3,495 |
| Loan and lease loss provision to assets | 0.0844% | 2,667 |
| Net operating income to assets | 0.3744% | 5,020 |
| Return on assets (ROA) | 0.3744% | 5,102 |
| Pretax return on assets | 0.4387% | 5,143 |
| Return on Equity (ROE) | 2.9606% | 5,172 |
| Retained earnings to average equity (ytd only) | 2.7138% | 3,974 |
| Net charge-offs to loans | 1.6265% | 88 |
| Credit loss provision to net charge-offs | 20.0000% | 3,675 |
| Earnings coverage of net charge-offs (x) | 1.2391% | 4,017 |
| Efficiency ratio | 83.5545% | 1,053 |
| Assets per employee ($millions) | 4.0648% | 3,846 |
| Cash dividends to net income (ytd only)* | 8.3333% | 4,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0517% | 598 |
| Loan loss allowance to noncurrent loans | 76.4858% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.0522% | 1,793 |
| Noncurrent loans to loans | 2.6825% | 561 |
| Net loans and leases to total assets | 26.7420% | 5,714 |
| Net loans and leases to deposits | 30.6722% | 5,729 |
| Net loans and leases to core deposits | 31.0831% | 5,741 |
| Total domestic deposits to total assets | 87.1863% | 2,036 |
| Equity capital to assets | 12.6944% | 1,402 |
| Core capital (leverage) ratio | 12.0530% | 1,566 |
| Tier 1 risk-based capital ratio | 38.0827% | 249 |
| Total risk-based capital ratio | 39.3492% | 246 |
| Memoranda: | ||
| Average total assets | $54,482,000 | 5,256 |
| Average earning assets | $48,316,600 | 5,281 |
| Average equity | $6,890,600 | 5,114 |
| Average total loans | $14,140,800 | 5,683 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3247% | 5,177 |
| Cost of funding earning assets | 0.1540% | 5,461 |
| Net interest margin | 3.1707% | 4,574 |
| Noninterest income to average assets | 0.3255% | 4,452 |
| Noninterest expense to average assets | 2.6305% | 3,564 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4955% | 4,714 |
| Return on assets (ROA) | 0.4955% | 4,806 |
| Pretax return on assets | 0.4955% | 5,135 |
| Return on Equity (ROE) | 3.9213% | 4,932 |
| Retained earnings to average equity (ytd only) | 3.9213% | 3,510 |
| Net charge-offs to loans | 1.1183% | 146 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1.7288% | 3,661 |
| Efficiency ratio | 84.1492% | 988 |
| Assets per employee ($millions) | 4.3370% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4921% | 336 |
| Loan loss allowance to noncurrent loans | 51.5670% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 1.6796% | 1,018 |
| Noncurrent loans to loans | 4.8327% | 182 |
| Net loans and leases to total assets | 25.1219% | 5,811 |
| Net loans and leases to deposits | 28.7693% | 5,829 |
| Net loans and leases to core deposits | 29.1308% | 5,835 |
| Total domestic deposits to total assets | 87.3220% | 1,752 |
| Equity capital to assets | 12.5397% | 1,751 |
| Core capital (leverage) ratio | 12.3729% | 1,456 |
| Tier 1 risk-based capital ratio | 36.8633% | 297 |
| Total risk-based capital ratio | 38.1243% | 292 |
| Memoranda: | ||
| Average total assets | $54,892,000 | 5,294 |
| Average earning assets | $48,484,000 | 5,329 |
| Average equity | $6,936,250 | 5,155 |
| Average total loans | $14,069,250 | 5,743 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3288% | 5,230 |
| Cost of funding earning assets | 0.1524% | 5,530 |
| Net interest margin | 3.1763% | 4,620 |
| Noninterest income to average assets | 0.2537% | 4,953 |
| Noninterest expense to average assets | 2.6362% | 3,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4522% | 4,860 |
| Return on assets (ROA) | 0.4522% | 4,950 |
| Pretax return on assets | 0.4522% | 5,242 |
| Return on Equity (ROE) | 3.5695% | 5,067 |
| Retained earnings to average equity (ytd only) | 3.5695% | 3,619 |
| Net charge-offs to loans | 1.5664% | 90 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.1284% | 3,451 |
| Efficiency ratio | 85.3571% | 936 |
| Assets per employee ($millions) | 4.1758% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6460% | 298 |
| Loan loss allowance to noncurrent loans | 92.2886% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.2840% | 1,580 |
| Noncurrent loans to loans | 2.8671% | 534 |
| Net loans and leases to total assets | 25.1451% | 5,880 |
| Net loans and leases to deposits | 28.9348% | 5,894 |
| Net loans and leases to core deposits | 29.3176% | 5,903 |
| Total domestic deposits to total assets | 86.9025% | 1,959 |
| Equity capital to assets | 12.9944% | 1,505 |
| Core capital (leverage) ratio | 12.0031% | 1,624 |
| Tier 1 risk-based capital ratio | 38.2511% | 259 |
| Total risk-based capital ratio | 39.5144% | 254 |
| Memoranda: | ||
| Average total assets | $54,395,670 | 5,362 |
| Average earning assets | $48,546,330 | 5,390 |
| Average equity | $6,891,670 | 5,216 |
| Average total loans | $13,917,000 | 5,815 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2852% | 5,346 |
| Cost of funding earning assets | 0.1497% | 5,613 |
| Net interest margin | 3.1355% | 4,766 |
| Noninterest income to average assets | 0.3012% | 4,572 |
| Noninterest expense to average assets | 2.4977% | 4,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5730% | 4,299 |
| Return on assets (ROA) | 0.5730% | 4,415 |
| Pretax return on assets | 0.5730% | 4,895 |
| Return on Equity (ROE) | 4.5812% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.5812% | 3,189 |
| Net charge-offs to loans | 0.6347% | 345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.5455% | 2,528 |
| Efficiency ratio | 81.3397% | 1,449 |
| Assets per employee ($millions) | 4.2748% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3088% | 163 |
| Loan loss allowance to noncurrent loans | 110.3614% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.9447% | 2,346 |
| Noncurrent loans to loans | 2.9981% | 546 |
| Net loans and leases to total assets | 24.0836% | 5,943 |
| Net loans and leases to deposits | 27.5448% | 5,957 |
| Net loans and leases to core deposits | 27.9008% | 5,965 |
| Total domestic deposits to total assets | 87.4345% | 1,967 |
| Equity capital to assets | 12.4629% | 1,706 |
| Core capital (leverage) ratio | 12.0089% | 1,595 |
| Tier 1 risk-based capital ratio | 37.3881% | 280 |
| Total risk-based capital ratio | 38.6625% | 276 |
| Memoranda: | ||
| Average total assets | $54,451,000 | 5,410 |
| Average earning assets | $48,095,000 | 5,446 |
| Average equity | $6,810,500 | 5,270 |
| Average total loans | $13,865,000 | 5,876 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4856% | 4,958 |
| Cost of funding earning assets | 0.1698% | 5,540 |
| Net interest margin | 3.3159% | 4,225 |
| Noninterest income to average assets | 0.2163% | 5,294 |
| Noninterest expense to average assets | 2.6978% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3529% | 5,205 |
| Return on assets (ROA) | 0.3529% | 5,293 |
| Pretax return on assets | 0.3718% | 5,377 |
| Return on Equity (ROE) | 2.7809% | 5,378 |
| Retained earnings to average equity (ytd only) | 2.7809% | 4,096 |
| Net charge-offs to loans | 0.0506% | 3,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,527 |
| Efficiency ratio | 87.8863% | 839 |
| Assets per employee ($millions) | 4.1022% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4562% | 134 |
| Loan loss allowance to noncurrent loans | 287.4251% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 3,561 |
| Noncurrent loans to loans | 1.2025% | 1,963 |
| Net loans and leases to total assets | 25.1420% | 5,992 |
| Net loans and leases to deposits | 28.7664% | 6,008 |
| Net loans and leases to core deposits | 29.1567% | 6,015 |
| Total domestic deposits to total assets | 87.4009% | 1,925 |
| Equity capital to assets | 12.5541% | 1,597 |
| Core capital (leverage) ratio | 12.0154% | 1,612 |
| Tier 1 risk-based capital ratio | 36.6419% | 292 |
| Total risk-based capital ratio | 37.9215% | 289 |
| Memoranda: | ||
| Average total assets | $52,710,400 | 5,490 |
| Average earning assets | $45,357,600 | 5,547 |
| Average equity | $6,688,600 | 5,303 |
| Average total loans | $13,832,600 | 5,930 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4791% | 5,031 |
| Cost of funding earning assets | 0.1717% | 5,616 |
| Net interest margin | 3.3074% | 4,311 |
| Noninterest income to average assets | 0.1827% | 5,564 |
| Noninterest expense to average assets | 2.7272% | 3,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2892% | 5,484 |
| Return on assets (ROA) | 0.2892% | 5,557 |
| Pretax return on assets | 0.2892% | 5,656 |
| Return on Equity (ROE) | 2.2731% | 5,615 |
| Retained earnings to average equity (ytd only) | 2.2731% | 4,750 |
| Net charge-offs to loans | 0.1062% | 2,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 10.3613% | 2,603 |
| Efficiency ratio | 90.4121% | 673 |
| Assets per employee ($millions) | 4.1186% | 3,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4518% | 159 |
| Loan loss allowance to noncurrent loans | 218.3486% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6219% | 3,404 |
| Noncurrent loans to loans | 1.5809% | 1,575 |
| Net loans and leases to total assets | 24.8665% | 6,076 |
| Net loans and leases to deposits | 28.5060% | 6,098 |
| Net loans and leases to core deposits | 29.5355% | 6,096 |
| Total domestic deposits to total assets | 87.2325% | 1,925 |
| Equity capital to assets | 12.6648% | 1,642 |
| Core capital (leverage) ratio | 12.1825% | 1,573 |
| Tier 1 risk-based capital ratio | 36.5567% | 312 |
| Total risk-based capital ratio | 37.8367% | 310 |
| Memoranda: | ||
| Average total assets | $52,555,750 | 5,565 |
| Average earning assets | $45,029,250 | 5,626 |
| Average equity | $6,687,000 | 5,371 |
| Average total loans | $13,818,750 | 6,008 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4841% | 5,029 |
| Cost of funding earning assets | 0.1704% | 5,688 |
| Net interest margin | 3.3137% | 4,249 |
| Noninterest income to average assets | 0.2259% | 5,348 |
| Noninterest expense to average assets | 2.8108% | 3,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2451% | 5,590 |
| Return on assets (ROA) | 0.2451% | 5,665 |
| Pretax return on assets | 0.2451% | 5,746 |
| Return on Equity (ROE) | 1.9232% | 5,698 |
| Retained earnings to average equity (ytd only) | 1.9232% | 4,737 |
| Net charge-offs to loans | 0.0289% | 3,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,311 |
| Efficiency ratio | 91.9799% | 640 |
| Assets per employee ($millions) | 3.9720% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5425% | 157 |
| Loan loss allowance to noncurrent loans | 209.0517% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.7553% | 3,121 |
| Noncurrent loans to loans | 1.6945% | 1,526 |
| Net loans and leases to total assets | 25.5752% | 6,140 |
| Net loans and leases to deposits | 29.3747% | 6,151 |
| Net loans and leases to core deposits | 29.7929% | 6,156 |
| Total domestic deposits to total assets | 87.0652% | 2,135 |
| Equity capital to assets | 12.8283% | 1,473 |
| Core capital (leverage) ratio | 12.5605% | 1,350 |
| Tier 1 risk-based capital ratio | 38.1418% | 288 |
| Total risk-based capital ratio | 39.4096% | 287 |
| Memoranda: | ||
| Average total assets | $52,227,000 | 5,633 |
| Average earning assets | $44,603,000 | 5,696 |
| Average equity | $6,655,670 | 5,420 |
| Average total loans | $13,828,330 | 6,069 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4330% | 5,136 |
| Cost of funding earning assets | 0.1735% | 5,739 |
| Net interest margin | 3.2595% | 4,382 |
| Noninterest income to average assets | 0.1523% | 5,827 |
| Noninterest expense to average assets | 2.9245% | 2,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0533% | 6,057 |
| Return on assets (ROA) | -0.0533% | 6,094 |
| Pretax return on assets | -0.0533% | 6,087 |
| Return on Equity (ROE) | -0.4197% | 6,090 |
| Retained earnings to average equity (ytd only) | -0.4197% | 5,459 |
| Net charge-offs to loans | 0.0863% | 1,857 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -2.3333% | 3,210 |
| Efficiency ratio | 101.8568% | 319 |
| Assets per employee ($millions) | 3.6761% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5190% | 180 |
| Loan loss allowance to noncurrent loans | 230.4762% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.7181% | 3,342 |
| Noncurrent loans to loans | 1.5268% | 1,845 |
| Net loans and leases to total assets | 24.0651% | 6,212 |
| Net loans and leases to deposits | 27.4083% | 6,228 |
| Net loans and leases to core deposits | 27.7725% | 6,238 |
| Total domestic deposits to total assets | 87.8024% | 1,930 |
| Equity capital to assets | 12.1287% | 1,937 |
| Core capital (leverage) ratio | 12.4145% | 1,396 |
| Tier 1 risk-based capital ratio | 35.4647% | 347 |
| Total risk-based capital ratio | 36.7273% | 347 |
| Memoranda: | ||
| Average total assets | $52,522,500 | 5,673 |
| Average earning assets | $43,810,000 | 5,760 |
| Average equity | $6,671,500 | 5,470 |
| Average total loans | $13,897,000 | 6,119 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5885% | 5,111 |
| Cost of funding earning assets | 0.1743% | 5,948 |
| Net interest margin | 3.4142% | 4,139 |
| Noninterest income to average assets | 0.3119% | 4,890 |
| Noninterest expense to average assets | 2.8529% | 3,292 |
| Loan and lease loss provision to assets | 0.0711% | 3,067 |
| Net operating income to assets | 0.2270% | 5,709 |
| Return on assets (ROA) | 0.2270% | 5,773 |
| Pretax return on assets | 0.2113% | 5,856 |
| Return on Equity (ROE) | 1.7645% | 5,828 |
| Retained earnings to average equity (ytd only) | 1.7645% | 4,933 |
| Net charge-offs to loans | 1.4797% | 167 |
| Credit loss provision to net charge-offs | 17.1429% | 4,011 |
| Earnings coverage of net charge-offs (x) | 0.6810% | 4,589 |
| Efficiency ratio | 90.9950% | 782 |
| Assets per employee ($millions) | 3.1189% | 5,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4687% | 189 |
| Loan loss allowance to noncurrent loans | 151.2422% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 1.1081% | 2,538 |
| Noncurrent loans to loans | 2.2934% | 1,138 |
| Net loans and leases to total assets | 27.1587% | 6,255 |
| Net loans and leases to deposits | 31.3567% | 6,273 |
| Net loans and leases to core deposits | 31.8265% | 6,281 |
| Total domestic deposits to total assets | 86.6120% | 2,501 |
| Equity capital to assets | 13.3359% | 1,216 |
| Core capital (leverage) ratio | 13.1809% | 1,070 |
| Tier 1 risk-based capital ratio | 39.3107% | 247 |
| Total risk-based capital ratio | 40.5760% | 244 |
| Memoranda: | ||
| Average total assets | $50,650,200 | 5,772 |
| Average earning assets | $41,883,800 | 5,876 |
| Average equity | $6,517,400 | 5,518 |
| Average total loans | $14,192,400 | 6,183 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5783% | 5,198 |
| Cost of funding earning assets | 0.1745% | 6,038 |
| Net interest margin | 3.4038% | 4,226 |
| Noninterest income to average assets | 0.3514% | 4,627 |
| Noninterest expense to average assets | 2.9112% | 3,079 |
| Loan and lease loss provision to assets | 0.0498% | 3,384 |
| Net operating income to assets | 0.2046% | 5,842 |
| Return on assets (ROA) | 0.2046% | 5,893 |
| Pretax return on assets | 0.2046% | 5,943 |
| Return on Equity (ROE) | 1.6042% | 5,922 |
| Retained earnings to average equity (ytd only) | 1.6042% | 5,241 |
| Net charge-offs to loans | 1.5178% | 157 |
| Credit loss provision to net charge-offs | 11.7284% | 3,682 |
| Earnings coverage of net charge-offs (x) | 0.5988% | 4,350 |
| Efficiency ratio | 91.9635% | 714 |
| Assets per employee ($millions) | 3.1261% | 5,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6921% | 202 |
| Loan loss allowance to noncurrent loans | 126.3415% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 1.1996% | 2,554 |
| Noncurrent loans to loans | 2.9223% | 923 |
| Net loans and leases to total assets | 27.0143% | 6,337 |
| Net loans and leases to deposits | 31.1401% | 6,354 |
| Net loans and leases to core deposits | 31.6078% | 6,369 |
| Total domestic deposits to total assets | 86.7508% | 2,448 |
| Equity capital to assets | 13.1273% | 1,367 |
| Core capital (leverage) ratio | 12.8786% | 1,233 |
| Tier 1 risk-based capital ratio | 38.4474% | 265 |
| Total risk-based capital ratio | 39.5970% | 264 |
| Memoranda: | ||
| Average total assets | $50,837,000 | 5,832 |
| Average earning assets | $42,030,500 | 5,941 |
| Average equity | $6,483,000 | 5,582 |
| Average total loans | $14,230,500 | 6,251 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5750% | 5,223 |
| Cost of funding earning assets | 0.1764% | 6,099 |
| Net interest margin | 3.3986% | 4,178 |
| Noninterest income to average assets | 0.3365% | 4,734 |
| Noninterest expense to average assets | 2.9388% | 3,039 |
| Loan and lease loss provision to assets | 0.0196% | 3,880 |
| Net operating income to assets | 0.1683% | 5,913 |
| Return on assets (ROA) | 0.1683% | 5,955 |
| Pretax return on assets | 0.1683% | 5,992 |
| Return on Equity (ROE) | 1.3322% | 5,983 |
| Retained earnings to average equity (ytd only) | 1.3322% | 5,210 |
| Net charge-offs to loans | 1.7206% | 140 |
| Credit loss provision to net charge-offs | 4.0650% | 3,369 |
| Earnings coverage of net charge-offs (x) | 0.3902% | 4,052 |
| Efficiency ratio | 93.9925% | 638 |
| Assets per employee ($millions) | 3.1736% | 5,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8816% | 192 |
| Loan loss allowance to noncurrent loans | 128.0660% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.1304% | 2,818 |
| Noncurrent loans to loans | 3.0310% | 947 |
| Net loans and leases to total assets | 26.4805% | 6,404 |
| Net loans and leases to deposits | 30.4704% | 6,421 |
| Net loans and leases to core deposits | 30.9224% | 6,435 |
| Total domestic deposits to total assets | 86.9055% | 2,508 |
| Equity capital to assets | 12.9429% | 1,404 |
| Core capital (leverage) ratio | 12.5359% | 1,376 |
| Tier 1 risk-based capital ratio | 33.4977% | 393 |
| Total risk-based capital ratio | 34.7646% | 384 |
| Memoranda: | ||
| Average total assets | $51,110,000 | 5,874 |
| Average earning assets | $41,958,330 | 6,001 |
| Average equity | $6,455,330 | 5,613 |
| Average total loans | $14,297,330 | 6,309 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6214% | 5,098 |
| Cost of funding earning assets | 0.1711% | 6,222 |
| Net interest margin | 3.4503% | 3,900 |
| Noninterest income to average assets | 0.3744% | 4,390 |
| Noninterest expense to average assets | 3.0423% | 2,722 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1638% | 5,897 |
| Return on assets (ROA) | 0.1638% | 5,936 |
| Pretax return on assets | 0.1638% | 5,987 |
| Return on Equity (ROE) | 1.3131% | 5,974 |
| Retained earnings to average equity (ytd only) | 1.3131% | 5,091 |
| Net charge-offs to loans | -0.0277% | 5,513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8905% | 701 |
| Assets per employee ($millions) | 3.3229% | 5,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6639% | 115 |
| Loan loss allowance to noncurrent loans | 139.0756% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 1.0082% | 3,246 |
| Noncurrent loans to loans | 3.3535% | 906 |
| Net loans and leases to total assets | 25.4524% | 6,481 |
| Net loans and leases to deposits | 28.9988% | 6,497 |
| Net loans and leases to core deposits | 29.4078% | 6,507 |
| Total domestic deposits to total assets | 87.7704% | 2,366 |
| Equity capital to assets | 12.1055% | 1,803 |
| Core capital (leverage) ratio | 12.5928% | 1,342 |
| Tier 1 risk-based capital ratio | 32.4191% | 432 |
| Total risk-based capital ratio | 33.6947% | 424 |
| Memoranda: | ||
| Average total assets | $51,276,500 | 5,932 |
| Average earning assets | $42,083,000 | 6,052 |
| Average equity | $6,397,000 | 5,663 |
| Average total loans | $14,451,500 | 6,364 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1986% | 6,129 |
| Cost of funding earning assets | 0.1786% | 6,401 |
| Net interest margin | 3.0200% | 5,531 |
| Noninterest income to average assets | 0.0658% | 6,501 |
| Noninterest expense to average assets | 2.9458% | 3,214 |
| Loan and lease loss provision to assets | 0.9574% | 191 |
| Net operating income to assets | -1.1083% | 6,625 |
| Return on assets (ROA) | -1.1083% | 6,624 |
| Pretax return on assets | -1.3520% | 6,652 |
| Return on Equity (ROE) | -8.6018% | 6,565 |
| Retained earnings to average equity (ytd only) | -8.6018% | 6,508 |
| Net charge-offs to loans | 3.0716% | 80 |
| Credit loss provision to net charge-offs | 105.5437% | 2,286 |
| Earnings coverage of net charge-offs (x) | -0.4350% | 5,187 |
| Efficiency ratio | 115.4663% | 210 |
| Assets per employee ($millions) | 2.7437% | 6,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4938% | 135 |
| Loan loss allowance to noncurrent loans | 131.6733% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 1.1380% | 3,121 |
| Noncurrent loans to loans | 3.4129% | 938 |
| Net loans and leases to total assets | 28.4447% | 6,510 |
| Net loans and leases to deposits | 32.6804% | 6,517 |
| Net loans and leases to core deposits | 33.1837% | 6,527 |
| Total domestic deposits to total assets | 87.0391% | 2,703 |
| Equity capital to assets | 12.8738% | 1,335 |
| Core capital (leverage) ratio | 12.7226% | 1,250 |
| Tier 1 risk-based capital ratio | 32.8953% | 404 |
| Total risk-based capital ratio | 34.1734% | 397 |
| Memoranda: | ||
| Average total assets | $51,700,000 | 5,972 |
| Average earning assets | $42,549,800 | 6,091 |
| Average equity | $6,661,400 | 5,657 |
| Average total loans | $15,269,000 | 6,403 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0505% | 6,369 |
| Cost of funding earning assets | 0.1805% | 6,499 |
| Net interest margin | 2.8699% | 5,878 |
| Noninterest income to average assets | 0.0204% | 6,694 |
| Noninterest expense to average assets | 3.0197% | 2,924 |
| Loan and lease loss provision to assets | 1.2624% | 109 |
| Net operating income to assets | -1.9102% | 6,796 |
| Return on assets (ROA) | -1.9102% | 6,803 |
| Pretax return on assets | -1.9102% | 6,798 |
| Return on Equity (ROE) | -14.8227% | 6,730 |
| Retained earnings to average equity (ytd only) | -14.8227% | 6,703 |
| Net charge-offs to loans | 3.4957% | 59 |
| Credit loss provision to net charge-offs | 122.5248% | 1,919 |
| Earnings coverage of net charge-offs (x) | -0.6287% | 4,966 |
| Efficiency ratio | 127.3118% | 136 |
| Assets per employee ($millions) | 2.8797% | 6,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8294% | 129 |
| Loan loss allowance to noncurrent loans | 121.0000% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.3466% | 2,946 |
| Noncurrent loans to loans | 3.9912% | 879 |
| Net loans and leases to total assets | 27.6010% | 6,611 |
| Net loans and leases to deposits | 31.4592% | 6,628 |
| Net loans and leases to core deposits | 31.9203% | 6,649 |
| Total domestic deposits to total assets | 87.7361% | 2,279 |
| Equity capital to assets | 12.0884% | 1,863 |
| Core capital (leverage) ratio | 11.9640% | 1,697 |
| Tier 1 risk-based capital ratio | 30.8290% | 483 |
| Total risk-based capital ratio | 32.1100% | 476 |
| Memoranda: | ||
| Average total assets | $52,278,250 | 6,025 |
| Average earning assets | $42,833,500 | 6,153 |
| Average equity | $6,737,250 | 5,703 |
| Average total loans | $15,409,000 | 6,464 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7428% | 6,636 |
| Cost of funding earning assets | 0.1810% | 6,569 |
| Net interest margin | 2.5618% | 6,370 |
| Noninterest income to average assets | 0.0305% | 6,727 |
| Noninterest expense to average assets | 2.9642% | 3,107 |
| Loan and lease loss provision to assets | 1.4420% | 95 |
| Net operating income to assets | -2.2699% | 6,867 |
| Return on assets (ROA) | -2.2699% | 6,871 |
| Pretax return on assets | -2.2699% | 6,865 |
| Return on Equity (ROE) | -17.2606% | 6,810 |
| Retained earnings to average equity (ytd only) | -17.2606% | 6,778 |
| Net charge-offs to loans | 5.2400% | 31 |
| Credit loss provision to net charge-offs | 92.8747% | 2,375 |
| Earnings coverage of net charge-offs (x) | -0.5332% | 4,666 |
| Efficiency ratio | 138.7500% | 100 |
| Assets per employee ($millions) | 2.8881% | 6,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0159% | 254 |
| Loan loss allowance to noncurrent loans | 99.6711% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.5889% | 2,731 |
| Noncurrent loans to loans | 4.0292% | 959 |
| Net loans and leases to total assets | 27.8619% | 6,632 |
| Net loans and leases to deposits | 31.8624% | 6,654 |
| Net loans and leases to core deposits | 32.3318% | 6,679 |
| Total domestic deposits to total assets | 87.4445% | 2,569 |
| Equity capital to assets | 12.3651% | 1,664 |
| Core capital (leverage) ratio | 12.0396% | 1,591 |
| Tier 1 risk-based capital ratio | 31.4786% | 456 |
| Total risk-based capital ratio | 32.7501% | 452 |
| Memoranda: | ||
| Average total assets | $52,426,000 | 6,063 |
| Average earning assets | $43,094,000 | 6,185 |
| Average equity | $6,894,330 | 5,710 |
| Average total loans | $15,534,330 | 6,497 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2795% | 6,189 |
| Cost of funding earning assets | 0.1885% | 6,630 |
| Net interest margin | 3.0910% | 5,293 |
| Noninterest income to average assets | 0.2659% | 5,557 |
| Noninterest expense to average assets | 3.0923% | 2,702 |
| Loan and lease loss provision to assets | 0.8738% | 233 |
| Net operating income to assets | -1.2081% | 6,849 |
| Return on assets (ROA) | -1.2081% | 6,854 |
| Pretax return on assets | -1.2081% | 6,842 |
| Return on Equity (ROE) | -8.9232% | 6,782 |
| Retained earnings to average equity (ytd only) | -8.9232% | 6,571 |
| Net charge-offs to loans | 0.1777% | 2,326 |
| Credit loss provision to net charge-offs | 1,642.8571% | 196 |
| Earnings coverage of net charge-offs (x) | -6.2857% | 4,084 |
| Efficiency ratio | 112.1212% | 303 |
| Assets per employee ($millions) | 2.9988% | 5,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7677% | 157 |
| Loan loss allowance to noncurrent loans | 75.0505% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 2.4065% | 1,931 |
| Noncurrent loans to loans | 6.3527% | 508 |
| Net loans and leases to total assets | 27.4945% | 6,683 |
| Net loans and leases to deposits | 31.6669% | 6,697 |
| Net loans and leases to core deposits | 32.1220% | 6,718 |
| Total domestic deposits to total assets | 86.8243% | 3,065 |
| Equity capital to assets | 13.0609% | 1,399 |
| Core capital (leverage) ratio | 13.0021% | 1,112 |
| Tier 1 risk-based capital ratio | 31.5237% | 466 |
| Total risk-based capital ratio | 32.7989% | 460 |
| Memoranda: | ||
| Average total assets | $52,646,500 | 6,108 |
| Average earning assets | $42,445,500 | 6,262 |
| Average equity | $7,127,500 | 5,709 |
| Average total loans | $15,756,500 | 6,543 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9934% | 5,330 |
| Cost of funding earning assets | 0.2365% | 6,724 |
| Net interest margin | 3.7569% | 3,410 |
| Noninterest income to average assets | -0.4740% | 7,026 |
| Noninterest expense to average assets | 3.3558% | 2,168 |
| Loan and lease loss provision to assets | 0.4092% | 1,578 |
| Net operating income to assets | -1.1288% | 6,778 |
| Return on assets (ROA) | -1.1288% | 6,792 |
| Pretax return on assets | -1.3362% | 6,812 |
| Return on Equity (ROE) | -7.8770% | 6,679 |
| Retained earnings to average equity (ytd only) | -7.8770% | 6,567 |
| Net charge-offs to loans | 0.7492% | 1,562 |
| Credit loss provision to net charge-offs | 174.7967% | 1,509 |
| Earnings coverage of net charge-offs (x) | -3.9593% | 5,893 |
| Efficiency ratio | 138.1661% | 125 |
| Assets per employee ($millions) | 2.8508% | 6,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9864% | 290 |
| Loan loss allowance to noncurrent loans | 71.3483% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 2.3502% | 2,089 |
| Noncurrent loans to loans | 5.5873% | 659 |
| Net loans and leases to total assets | 29.8042% | 6,708 |
| Net loans and leases to deposits | 34.7118% | 6,722 |
| Net loans and leases to core deposits | 35.2453% | 6,741 |
| Total domestic deposits to total assets | 85.8618% | 3,418 |
| Equity capital to assets | 14.0407% | 1,034 |
| Core capital (leverage) ratio | 13.3295% | 1,007 |
| Tier 1 risk-based capital ratio | 33.4579% | 384 |
| Total risk-based capital ratio | 34.7278% | 377 |
| Memoranda: | ||
| Average total assets | $52,535,800 | 6,135 |
| Average earning assets | $40,592,000 | 6,343 |
| Average equity | $7,528,200 | 5,629 |
| Average total loans | $16,417,400 | 6,579 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 5,098 |
| Cost of funding earning assets | 0.2516% | 6,801 |
| Net interest margin | 3.8728% | 3,016 |
| Noninterest income to average assets | -0.7040% | 7,150 |
| Noninterest expense to average assets | 3.3559% | 2,114 |
| Loan and lease loss provision to assets | 0.4920% | 1,252 |
| Net operating income to assets | -1.5997% | 6,986 |
| Return on assets (ROA) | -1.5997% | 6,994 |
| Pretax return on assets | -1.5997% | 6,970 |
| Return on Equity (ROE) | -11.1093% | 6,880 |
| Retained earnings to average equity (ytd only) | -11.1093% | 6,841 |
| Net charge-offs to loans | 0.6046% | 1,824 |
| Credit loss provision to net charge-offs | 260.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | -5.8532% | 5,720 |
| Efficiency ratio | 149.2705% | 92 |
| Assets per employee ($millions) | 2.9575% | 6,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0767% | 286 |
| Loan loss allowance to noncurrent loans | 75.0849% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 2.4213% | 2,192 |
| Noncurrent loans to loans | 5.4295% | 794 |
| Net loans and leases to total assets | 29.3040% | 6,837 |
| Net loans and leases to deposits | 33.9566% | 6,872 |
| Net loans and leases to core deposits | 34.4599% | 6,890 |
| Total domestic deposits to total assets | 86.2985% | 3,089 |
| Equity capital to assets | 13.5137% | 1,343 |
| Core capital (leverage) ratio | 13.3504% | 1,057 |
| Tier 1 risk-based capital ratio | 32.9067% | 411 |
| Total risk-based capital ratio | 34.1820% | 406 |
| Memoranda: | ||
| Average total assets | $52,841,000 | 6,196 |
| Average earning assets | $40,280,000 | 6,420 |
| Average equity | $7,609,000 | 5,669 |
| Average total loans | $16,539,500 | 6,658 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1141% | 5,268 |
| Cost of funding earning assets | 0.2583% | 6,886 |
| Net interest margin | 3.8557% | 3,110 |
| Noninterest income to average assets | -0.9258% | 7,218 |
| Noninterest expense to average assets | 3.3163% | 2,265 |
| Loan and lease loss provision to assets | 0.4364% | 1,485 |
| Net operating income to assets | -1.6771% | 7,038 |
| Return on assets (ROA) | -1.6771% | 7,053 |
| Pretax return on assets | -1.6771% | 7,031 |
| Return on Equity (ROE) | -11.4104% | 6,929 |
| Retained earnings to average equity (ytd only) | -11.4104% | 6,868 |
| Net charge-offs to loans | 1.0702% | 1,027 |
| Credit loss provision to net charge-offs | 129.2135% | 2,124 |
| Earnings coverage of net charge-offs (x) | -3.6742% | 5,423 |
| Efficiency ratio | 159.7806% | 83 |
| Assets per employee ($millions) | 2.8841% | 6,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5410% | 481 |
| Loan loss allowance to noncurrent loans | 50.8490% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 3.1765% | 1,715 |
| Noncurrent loans to loans | 6.9637% | 558 |
| Net loans and leases to total assets | 29.8576% | 6,873 |
| Net loans and leases to deposits | 34.9146% | 6,898 |
| Net loans and leases to core deposits | 35.4529% | 6,924 |
| Total domestic deposits to total assets | 85.5162% | 3,598 |
| Equity capital to assets | 14.2931% | 978 |
| Core capital (leverage) ratio | 13.3544% | 1,033 |
| Tier 1 risk-based capital ratio | 33.9182% | 376 |
| Total risk-based capital ratio | 35.1878% | 373 |
| Memoranda: | ||
| Average total assets | $52,709,670 | 6,241 |
| Average earning assets | $41,029,670 | 6,445 |
| Average equity | $7,747,330 | 5,642 |
| Average total loans | $16,631,670 | 6,709 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1092% | 5,420 |
| Cost of funding earning assets | 0.2604% | 6,978 |
| Net interest margin | 3.8488% | 3,141 |
| Noninterest income to average assets | 0.2711% | 5,708 |
| Noninterest expense to average assets | 3.3667% | 2,103 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0904% | 6,527 |
| Return on assets (ROA) | -0.0904% | 6,612 |
| Pretax return on assets | -0.0904% | 6,594 |
| Return on Equity (ROE) | -0.6068% | 6,592 |
| Retained earnings to average equity (ytd only) | -0.6068% | 6,090 |
| Net charge-offs to loans | 2.7908% | 273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.1017% | 4,407 |
| Efficiency ratio | 102.7586% | 478 |
| Assets per employee ($millions) | 3.0395% | 6,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5688% | 1,268 |
| Loan loss allowance to noncurrent loans | 39.0625% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 3.6446% | 1,556 |
| Noncurrent loans to loans | 6.5760% | 722 |
| Net loans and leases to total assets | 29.4639% | 6,928 |
| Net loans and leases to deposits | 34.4990% | 6,935 |
| Net loans and leases to core deposits | 35.0069% | 6,966 |
| Total domestic deposits to total assets | 85.4051% | 3,834 |
| Equity capital to assets | 14.4103% | 885 |
| Core capital (leverage) ratio | 14.2183% | 746 |
| Tier 1 risk-based capital ratio | 33.6447% | 376 |
| Total risk-based capital ratio | 34.9037% | 372 |
| Memoranda: | ||
| Average total assets | $53,108,000 | 6,262 |
| Average earning assets | $41,468,000 | 6,472 |
| Average equity | $7,911,000 | 5,624 |
| Average total loans | $16,913,000 | 6,753 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3779% | 5,507 |
| Cost of funding earning assets | 0.3745% | 6,954 |
| Net interest margin | 4.0033% | 2,860 |
| Noninterest income to average assets | 0.2264% | 5,918 |
| Noninterest expense to average assets | 3.3543% | 2,355 |
| Loan and lease loss provision to assets | 0.6012% | 1,719 |
| Net operating income to assets | -0.3843% | 6,405 |
| Return on assets (ROA) | -0.3843% | 6,454 |
| Pretax return on assets | -0.4547% | 6,459 |
| Return on Equity (ROE) | -2.4436% | 6,365 |
| Retained earnings to average equity (ytd only) | -7.9115% | 6,618 |
| Net charge-offs to loans | 1.1350% | 1,497 |
| Credit loss provision to net charge-offs | 155.6650% | 1,805 |
| Earnings coverage of net charge-offs (x) | 0.3793% | 5,534 |
| Efficiency ratio | 95.8152% | 829 |
| Assets per employee ($millions) | 2.8614% | 6,352 |
| Cash dividends to net income (ytd only)* | -223.7624% | 7,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1422% | 715 |
| Loan loss allowance to noncurrent loans | 49.9081% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 3.5802% | 1,644 |
| Noncurrent loans to loans | 6.2959% | 771 |
| Net loans and leases to total assets | 32.4978% | 6,932 |
| Net loans and leases to deposits | 38.5021% | 6,936 |
| Net loans and leases to core deposits | 39.1148% | 6,967 |
| Total domestic deposits to total assets | 84.4054% | 4,135 |
| Equity capital to assets | 15.4121% | 693 |
| Core capital (leverage) ratio | 14.0975% | 800 |
| Tier 1 risk-based capital ratio | 34.6414% | 344 |
| Total risk-based capital ratio | 35.9083% | 334 |
| Memoranda: | ||
| Average total assets | $52,559,600 | 6,285 |
| Average earning assets | $42,989,000 | 6,421 |
| Average equity | $8,266,400 | 5,483 |
| Average total loans | $17,885,800 | 6,759 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4316% | 5,490 |
| Cost of funding earning assets | 0.4054% | 7,002 |
| Net interest margin | 4.0261% | 2,797 |
| Noninterest income to average assets | 0.1969% | 6,189 |
| Noninterest expense to average assets | 3.4327% | 2,112 |
| Loan and lease loss provision to assets | 0.0151% | 6,243 |
| Net operating income to assets | 0.0328% | 6,106 |
| Return on assets (ROA) | 0.0328% | 6,204 |
| Pretax return on assets | 0.0328% | 6,186 |
| Return on Equity (ROE) | 0.2076% | 6,218 |
| Retained earnings to average equity (ytd only) | -7.0111% | 6,707 |
| Net charge-offs to loans | 0.0370% | 5,625 |
| Credit loss provision to net charge-offs | 120.0000% | 2,704 |
| Earnings coverage of net charge-offs (x) | 3.7976% | 3,293 |
| Efficiency ratio | 98.6222% | 711 |
| Assets per employee ($millions) | 3.0049% | 6,107 |
| Cash dividends to net income (ytd only)* | 3,477.4957% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4209% | 1,506 |
| Loan loss allowance to noncurrent loans | 55.2564% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 2.8046% | 2,317 |
| Noncurrent loans to loans | 4.3813% | 1,486 |
| Net loans and leases to total assets | 32.1174% | 7,022 |
| Net loans and leases to deposits | 38.0073% | 7,035 |
| Net loans and leases to core deposits | 38.5847% | 7,073 |
| Total domestic deposits to total assets | 84.5033% | 4,005 |
| Equity capital to assets | 15.1251% | 824 |
| Core capital (leverage) ratio | 14.6091% | 747 |
| Tier 1 risk-based capital ratio | 34.2600% | 377 |
| Total risk-based capital ratio | 35.5179% | 369 |
| Memoranda: | ||
| Average total assets | $52,823,250 | 6,322 |
| Average earning assets | $43,084,000 | 6,478 |
| Average equity | $8,348,500 | 5,492 |
| Average total loans | $18,037,000 | 6,818 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4599% | 5,488 |
| Cost of funding earning assets | 0.4539% | 6,995 |
| Net interest margin | 4.0061% | 2,806 |
| Noninterest income to average assets | 0.2824% | 5,628 |
| Noninterest expense to average assets | 3.4465% | 2,129 |
| Loan and lease loss provision to assets | 0.0076% | 6,164 |
| Net operating income to assets | 0.1298% | 5,932 |
| Return on assets (ROA) | 0.1298% | 6,029 |
| Pretax return on assets | 0.1298% | 6,047 |
| Return on Equity (ROE) | 0.8091% | 6,126 |
| Retained earnings to average equity (ytd only) | -9.9473% | 6,878 |
| Net charge-offs to loans | 0.0662% | 4,974 |
| Credit loss provision to net charge-offs | 33.3333% | 4,934 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,493 |
| Efficiency ratio | 96.1661% | 870 |
| Assets per employee ($millions) | 2.9585% | 6,171 |
| Cash dividends to net income (ytd only)* | 1,329.4118% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4103% | 1,574 |
| Loan loss allowance to noncurrent loans | 49.0783% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 3.9303% | 1,642 |
| Noncurrent loans to loans | 4.9112% | 1,342 |
| Net loans and leases to total assets | 32.3888% | 7,103 |
| Net loans and leases to deposits | 38.4297% | 7,107 |
| Net loans and leases to core deposits | 39.0279% | 7,141 |
| Total domestic deposits to total assets | 84.2807% | 4,222 |
| Equity capital to assets | 15.3606% | 727 |
| Core capital (leverage) ratio | 14.7031% | 726 |
| Tier 1 risk-based capital ratio | 33.9241% | 387 |
| Total risk-based capital ratio | 35.1794% | 377 |
| Memoranda: | ||
| Average total assets | $52,401,330 | 6,395 |
| Average earning assets | $43,184,670 | 6,537 |
| Average equity | $8,404,330 | 5,491 |
| Average total loans | $18,115,000 | 6,885 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4145% | 5,641 |
| Cost of funding earning assets | 0.5205% | 6,895 |
| Net interest margin | 3.8941% | 3,172 |
| Noninterest income to average assets | 0.2694% | 5,745 |
| Noninterest expense to average assets | 3.5555% | 1,864 |
| Loan and lease loss provision to assets | 0.1154% | 4,565 |
| Net operating income to assets | -0.1770% | 6,536 |
| Return on assets (ROA) | -0.1770% | 6,555 |
| Pretax return on assets | -0.1770% | 6,521 |
| Return on Equity (ROE) | -1.0803% | 6,493 |
| Retained earnings to average equity (ytd only) | -1.0803% | 6,001 |
| Net charge-offs to loans | -0.0218% | 6,597 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7621% | 682 |
| Assets per employee ($millions) | 2.9463% | 6,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4600% | 1,518 |
| Loan loss allowance to noncurrent loans | 46.0268% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 3.7127% | 1,822 |
| Noncurrent loans to loans | 5.3447% | 1,232 |
| Net loans and leases to total assets | 33.3446% | 7,116 |
| Net loans and leases to deposits | 39.8270% | 7,110 |
| Net loans and leases to core deposits | 40.4539% | 7,157 |
| Total domestic deposits to total assets | 83.7236% | 4,609 |
| Equity capital to assets | 16.0293% | 570 |
| Core capital (leverage) ratio | 15.8062% | 538 |
| Tier 1 risk-based capital ratio | 35.1001% | 345 |
| Total risk-based capital ratio | 36.3578% | 337 |
| Memoranda: | ||
| Average total assets | $51,975,500 | 6,456 |
| Average earning assets | $43,039,500 | 6,586 |
| Average equity | $8,516,500 | 5,457 |
| Average total loans | $18,335,500 | 6,922 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4692% | 6,468 |
| Cost of funding earning assets | 0.5837% | 7,157 |
| Net interest margin | 3.8855% | 3,559 |
| Noninterest income to average assets | 0.3176% | 5,519 |
| Noninterest expense to average assets | 3.3802% | 2,489 |
| Loan and lease loss provision to assets | 0.0076% | 7,003 |
| Net operating income to assets | 0.4405% | 4,361 |
| Return on assets (ROA) | 0.4405% | 4,522 |
| Pretax return on assets | 0.4159% | 4,895 |
| Return on Equity (ROE) | 2.6649% | 5,104 |
| Retained earnings to average equity (ytd only) | -2.5048% | 6,048 |
| Net charge-offs to loans | 0.0204% | 6,611 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 421 |
| Efficiency ratio | 88.8668% | 1,407 |
| Assets per employee ($millions) | 2.8287% | 6,480 |
| Cash dividends to net income (ytd only)* | 193.9914% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3192% | 1,667 |
| Loan loss allowance to noncurrent loans | 44.1026% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 3.8789% | 1,757 |
| Noncurrent loans to loans | 5.2586% | 1,269 |
| Net loans and leases to total assets | 35.5697% | 7,176 |
| Net loans and leases to deposits | 42.8156% | 7,159 |
| Net loans and leases to core deposits | 43.5256% | 7,216 |
| Total domestic deposits to total assets | 83.0764% | 4,764 |
| Equity capital to assets | 16.7567% | 487 |
| Core capital (leverage) ratio | 15.6445% | 553 |
| Tier 1 risk-based capital ratio | 35.3282% | 339 |
| Total risk-based capital ratio | 36.5861% | 332 |
| Memoranda: | ||
| Average total assets | $52,895,600 | 6,433 |
| Average earning assets | $47,458,200 | 6,457 |
| Average equity | $8,743,200 | 5,492 |
| Average total loans | $19,570,800 | 6,949 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4956% | 6,615 |
| Cost of funding earning assets | 0.5867% | 7,315 |
| Net interest margin | 3.9088% | 3,493 |
| Noninterest income to average assets | 0.2997% | 5,747 |
| Noninterest expense to average assets | 3.3463% | 2,442 |
| Loan and lease loss provision to assets | 0.1124% | 5,909 |
| Net operating income to assets | 0.3846% | 4,819 |
| Return on assets (ROA) | 0.3846% | 5,005 |
| Pretax return on assets | 0.3846% | 5,265 |
| Return on Equity (ROE) | 2.3344% | 5,485 |
| Retained earnings to average equity (ytd only) | -2.6982% | 6,313 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0695% | 1,523 |
| Assets per employee ($millions) | 2.9899% | 6,171 |
| Cash dividends to net income (ytd only)* | 215.5847% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4976% | 1,328 |
| Loan loss allowance to noncurrent loans | 42.1847% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 3.8927% | 1,813 |
| Noncurrent loans to loans | 5.9207% | 1,066 |
| Net loans and leases to total assets | 34.4550% | 7,329 |
| Net loans and leases to deposits | 41.3040% | 7,329 |
| Net loans and leases to core deposits | 41.9506% | 7,378 |
| Total domestic deposits to total assets | 83.4182% | 4,412 |
| Equity capital to assets | 16.1637% | 645 |
| Core capital (leverage) ratio | 15.6813% | 610 |
| Tier 1 risk-based capital ratio | 35.0260% | 346 |
| Total risk-based capital ratio | 36.2839% | 337 |
| Memoranda: | ||
| Average total assets | $53,390,250 | 6,498 |
| Average earning assets | $48,402,250 | 6,492 |
| Average equity | $8,796,000 | 5,553 |
| Average total loans | $19,828,250 | 7,024 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6011% | 6,460 |
| Cost of funding earning assets | 0.6082% | 7,390 |
| Net interest margin | 3.9929% | 3,054 |
| Noninterest income to average assets | 0.3080% | 5,691 |
| Noninterest expense to average assets | 3.3391% | 2,434 |
| Loan and lease loss provision to assets | 0.1127% | 5,777 |
| Net operating income to assets | 0.4770% | 4,429 |
| Return on assets (ROA) | 0.4770% | 4,583 |
| Pretax return on assets | 0.4808% | 4,962 |
| Return on Equity (ROE) | 2.8771% | 5,290 |
| Retained earnings to average equity (ytd only) | 2.8318% | 4,341 |
| Net charge-offs to loans | 0.0100% | 6,214 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 222 |
| Efficiency ratio | 84.9093% | 1,825 |
| Assets per employee ($millions) | 2.8793% | 6,401 |
| Cash dividends to net income (ytd only)* | 1.5748% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3542% | 1,505 |
| Loan loss allowance to noncurrent loans | 60.7947% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 3.2318% | 2,180 |
| Noncurrent loans to loans | 3.8724% | 1,978 |
| Net loans and leases to total assets | 36.7330% | 7,329 |
| Net loans and leases to deposits | 44.5083% | 7,303 |
| Net loans and leases to core deposits | 45.5673% | 7,366 |
| Total domestic deposits to total assets | 82.5307% | 4,772 |
| Equity capital to assets | 17.2339% | 496 |
| Core capital (leverage) ratio | 15.6834% | 609 |
| Tier 1 risk-based capital ratio | 35.3832% | 340 |
| Total risk-based capital ratio | 36.6420% | 331 |
| Memoranda: | ||
| Average total assets | $53,247,670 | 6,541 |
| Average earning assets | $48,336,000 | 6,539 |
| Average equity | $8,828,330 | 5,551 |
| Average total loans | $20,098,330 | 7,060 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 6,701 |
| Cost of funding earning assets | 0.6405% | 7,471 |
| Net interest margin | 3.8997% | 3,326 |
| Noninterest income to average assets | 0.3114% | 5,659 |
| Noninterest expense to average assets | 3.1655% | 2,991 |
| Loan and lease loss provision to assets | 0.1112% | 5,508 |
| Net operating income to assets | 0.5856% | 3,958 |
| Return on assets (ROA) | 0.5856% | 4,103 |
| Pretax return on assets | 0.6005% | 4,603 |
| Return on Equity (ROE) | 3.6005% | 5,077 |
| Retained earnings to average equity (ytd only) | 3.6005% | 3,998 |
| Net charge-offs to loans | -0.0196% | 7,073 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6444% | 2,326 |
| Assets per employee ($millions) | 3.0907% | 6,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2155% | 1,721 |
| Loan loss allowance to noncurrent loans | 36.5274% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 3.1043% | 2,302 |
| Noncurrent loans to loans | 6.0653% | 1,079 |
| Net loans and leases to total assets | 35.3837% | 7,446 |
| Net loans and leases to deposits | 42.1205% | 7,458 |
| Net loans and leases to core deposits | 42.5226% | 7,513 |
| Total domestic deposits to total assets | 84.0059% | 4,144 |
| Equity capital to assets | 15.8269% | 696 |
| Core capital (leverage) ratio | 15.7750% | 618 |
| Tier 1 risk-based capital ratio | 33.0991% | 407 |
| Total risk-based capital ratio | 34.3568% | 400 |
| Memoranda: | ||
| Average total assets | $53,957,500 | 6,605 |
| Average earning assets | $49,337,500 | 6,578 |
| Average equity | $8,776,500 | 5,600 |
| Average total loans | $20,399,000 | 7,138 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0996% | 6,088 |
| Cost of funding earning assets | 0.7626% | 7,605 |
| Net interest margin | 4.3370% | 1,611 |
| Noninterest income to average assets | 0.3769% | 5,396 |
| Noninterest expense to average assets | 3.4259% | 2,595 |
| Loan and lease loss provision to assets | 0.0569% | 6,996 |
| Net operating income to assets | 0.8128% | 2,480 |
| Return on assets (ROA) | 0.8128% | 2,568 |
| Pretax return on assets | 0.8580% | 3,064 |
| Return on Equity (ROE) | 4.6926% | 3,798 |
| Retained earnings to average equity (ytd only) | -0.6801% | 5,169 |
| Net charge-offs to loans | 0.1438% | 5,800 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 16.0690% | 1,272 |
| Efficiency ratio | 78.9236% | 3,056 |
| Assets per employee ($millions) | 2.9046% | 6,450 |
| Cash dividends to net income (ytd only)* | 114.4928% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0806% | 1,857 |
| Loan loss allowance to noncurrent loans | 23.2684% | 6,896 |
| Noncurrent assets plus other real estate owned to assets | 4.4834% | 1,439 |
| Noncurrent loans to loans | 8.9418% | 511 |
| Net loans and leases to total assets | 38.7074% | 7,421 |
| Net loans and leases to deposits | 46.7119% | 7,410 |
| Net loans and leases to core deposits | 50.9594% | 7,561 |
| Total domestic deposits to total assets | 82.8641% | 4,576 |
| Equity capital to assets | 16.7323% | 587 |
| Core capital (leverage) ratio | 15.9321% | 626 |
| Tier 1 risk-based capital ratio | 33.0439% | 410 |
| Total risk-based capital ratio | 34.2995% | 395 |
| Memoranda: | ||
| Average total assets | $50,935,200 | 6,668 |
| Average earning assets | $46,553,000 | 6,661 |
| Average equity | $8,822,400 | 5,659 |
| Average total loans | $20,160,000 | 7,183 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1915% | 5,912 |
| Cost of funding earning assets | 0.7701% | 7,735 |
| Net interest margin | 4.4214% | 1,390 |
| Noninterest income to average assets | 0.3768% | 5,495 |
| Noninterest expense to average assets | 3.3123% | 2,865 |
| Loan and lease loss provision to assets | 0.1186% | 6,180 |
| Net operating income to assets | 0.8801% | 2,497 |
| Return on assets (ROA) | 0.8801% | 2,569 |
| Pretax return on assets | 0.9855% | 2,950 |
| Return on Equity (ROE) | 5.0370% | 3,951 |
| Retained earnings to average equity (ytd only) | 0.9652% | 4,770 |
| Net charge-offs to loans | -0.0665% | 7,888 |
| Credit loss provision to net charge-offs | -450.0000% | 7,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 3,692 |
| Assets per employee ($millions) | 2.9316% | 6,323 |
| Cash dividends to net income (ytd only)* | 80.8385% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3644% | 1,213 |
| Loan loss allowance to noncurrent loans | 33.7744% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 3.7655% | 1,723 |
| Noncurrent loans to loans | 7.0004% | 767 |
| Net loans and leases to total assets | 37.9541% | 7,549 |
| Net loans and leases to deposits | 45.9358% | 7,570 |
| Net loans and leases to core deposits | 50.0813% | 7,685 |
| Total domestic deposits to total assets | 82.6243% | 4,388 |
| Equity capital to assets | 17.0024% | 634 |
| Core capital (leverage) ratio | 16.5563% | 608 |
| Tier 1 risk-based capital ratio | 33.6671% | 412 |
| Total risk-based capital ratio | 34.9238% | 405 |
| Memoranda: | ||
| Average total assets | $50,598,500 | 6,731 |
| Average earning assets | $46,228,500 | 6,724 |
| Average equity | $8,841,000 | 5,704 |
| Average total loans | $20,033,250 | 7,249 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2994% | 5,661 |
| Cost of funding earning assets | 0.7853% | 7,836 |
| Net interest margin | 4.5141% | 1,138 |
| Noninterest income to average assets | 0.3368% | 5,817 |
| Noninterest expense to average assets | 3.3444% | 2,811 |
| Loan and lease loss provision to assets | 0.1203% | 5,920 |
| Net operating income to assets | 0.9023% | 2,450 |
| Return on assets (ROA) | 0.9023% | 2,549 |
| Pretax return on assets | 0.9985% | 3,022 |
| Return on Equity (ROE) | 5.1152% | 4,029 |
| Retained earnings to average equity (ytd only) | -1.0230% | 5,492 |
| Net charge-offs to loans | -0.0201% | 7,700 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9326% | 3,890 |
| Assets per employee ($millions) | 2.8145% | 6,591 |
| Cash dividends to net income (ytd only)* | 120.0000% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2923% | 1,110 |
| Loan loss allowance to noncurrent loans | 39.3526% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 3.7978% | 1,600 |
| Noncurrent loans to loans | 5.8251% | 959 |
| Net loans and leases to total assets | 38.8701% | 7,608 |
| Net loans and leases to deposits | 47.1642% | 7,588 |
| Net loans and leases to core deposits | 51.5362% | 7,724 |
| Total domestic deposits to total assets | 82.4145% | 4,516 |
| Equity capital to assets | 17.2894% | 625 |
| Core capital (leverage) ratio | 16.6369% | 659 |
| Tier 1 risk-based capital ratio | 33.9008% | 452 |
| Total risk-based capital ratio | 35.1586% | 438 |
| Memoranda: | ||
| Average total assets | $49,875,000 | 6,831 |
| Average earning assets | $45,590,330 | 6,813 |
| Average equity | $8,797,330 | 5,751 |
| Average total loans | $19,873,330 | 7,332 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3115% | 5,849 |
| Cost of funding earning assets | 0.8002% | 7,912 |
| Net interest margin | 4.5112% | 1,109 |
| Noninterest income to average assets | 0.3153% | 5,923 |
| Noninterest expense to average assets | 3.3628% | 2,463 |
| Loan and lease loss provision to assets | 0.1213% | 5,412 |
| Net operating income to assets | 0.8973% | 2,714 |
| Return on assets (ROA) | 0.8973% | 2,864 |
| Pretax return on assets | 0.9781% | 3,433 |
| Return on Equity (ROE) | 5.0360% | 4,463 |
| Retained earnings to average equity (ytd only) | 1.8601% | 4,820 |
| Net charge-offs to loans | -0.0405% | 7,642 |
| Credit loss provision to net charge-offs | -750.0000% | 6,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3623% | 3,592 |
| Assets per employee ($millions) | 2.7597% | 6,741 |
| Cash dividends to net income (ytd only)* | 63.0631% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2325% | 1,045 |
| Loan loss allowance to noncurrent loans | 32.8676% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 3.5552% | 1,504 |
| Noncurrent loans to loans | 6.7925% | 614 |
| Net loans and leases to total assets | 39.4069% | 7,596 |
| Net loans and leases to deposits | 48.1029% | 7,572 |
| Net loans and leases to core deposits | 52.6918% | 7,708 |
| Total domestic deposits to total assets | 81.9221% | 4,580 |
| Equity capital to assets | 17.7960% | 628 |
| Core capital (leverage) ratio | 16.9562% | 659 |
| Tier 1 risk-based capital ratio | 33.9535% | 467 |
| Total risk-based capital ratio | 35.2110% | 460 |
| Memoranda: | ||
| Average total assets | $49,482,000 | 6,891 |
| Average earning assets | $45,486,500 | 6,859 |
| Average equity | $8,816,500 | 5,771 |
| Average total loans | $19,733,000 | 7,385 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8396% | 6,299 |
| Cost of funding earning assets | 1.1237% | 7,994 |
| Net interest margin | 4.7159% | 941 |
| Noninterest income to average assets | 0.3421% | 6,001 |
| Noninterest expense to average assets | 3.3148% | 2,923 |
| Loan and lease loss provision to assets | 0.0369% | 6,947 |
| Net operating income to assets | 1.1063% | 2,122 |
| Return on assets (ROA) | 1.1063% | 2,035 |
| Pretax return on assets | 1.3153% | 2,260 |
| Return on Equity (ROE) | 6.2801% | 3,832 |
| Retained earnings to average equity (ytd only) | 3.0819% | 3,245 |
| Net charge-offs to loans | 0.0920% | 5,416 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 36.6667% | 1,006 |
| Efficiency ratio | 71.0272% | 4,131 |
| Assets per employee ($millions) | 2.7383% | 6,706 |
| Cash dividends to net income (ytd only)* | 50.9259% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2115% | 935 |
| Loan loss allowance to noncurrent loans | 151.4085% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 1.3999% | 3,398 |
| Noncurrent loans to loans | 1.4606% | 3,609 |
| Net loans and leases to total assets | 38.5758% | 7,738 |
| Net loans and leases to deposits | 47.2069% | 7,747 |
| Net loans and leases to core deposits | 51.7177% | 7,850 |
| Total domestic deposits to total assets | 81.7164% | 4,312 |
| Equity capital to assets | 17.8393% | 669 |
| Core capital (leverage) ratio | 15.6607% | 889 |
| Tier 1 risk-based capital ratio | 34.6671% | 459 |
| Total risk-based capital ratio | 35.9221% | 445 |
| Memoranda: | ||
| Average total assets | $48,811,600 | 6,829 |
| Average earning assets | $44,763,400 | 6,825 |
| Average equity | $8,598,600 | 5,874 |
| Average total loans | $19,571,600 | 7,360 |