Home > Citizens State Bank Norwood Young America > Performance and Condition Ratios
Citizens State Bank Norwood Young America, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6707% | 2,739 |
| Cost of funding earning assets | 1.1114% | 3,035 |
| Net interest margin | 3.5593% | 2,046 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.1844% | 3,172 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3106% | 1,414 |
| Return on assets (ROA) | 1.3305% | 1,331 |
| Pretax return on assets | 1.4510% | 1,533 |
| Return on Equity (ROE) | 14.6400% | 1,357 |
| Retained earnings to average equity (ytd only) | 3.9795% | 2,969 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.4464% | 3,025 |
| Assets per employee ($millions) | 6.0475% | 2,776 |
| Cash dividends to net income (ytd only)* | 72.8125% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 1,826 |
| Loan loss allowance to noncurrent loans | 72.8350% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.9070% | 549 |
| Noncurrent loans to loans | 1.7693% | 345 |
| Net loans and leases to total assets | 50.6000% | 3,561 |
| Net loans and leases to deposits | 56.3179% | 3,696 |
| Net loans and leases to core deposits | 58.8862% | 3,805 |
| Total domestic deposits to total assets | 89.8500% | 800 |
| Equity capital to assets | 9.6966% | 2,201 |
| Core capital (leverage) ratio | 8.4857% | 4,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9158% | 1,091 |
| Memoranda: | ||
| Average total assets | $120,259,600 | 3,650 |
| Average earning assets | $111,117,200 | 3,636 |
| Average equity | $10,931,000 | 3,621 |
| Average total loans | $58,047,800 | 3,735 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5207% | 2,863 |
| Cost of funding earning assets | 0.9760% | 3,103 |
| Net interest margin | 3.5447% | 2,120 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.1484% | 3,215 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3942% | 1,333 |
| Return on assets (ROA) | 1.4134% | 1,273 |
| Pretax return on assets | 1.4678% | 1,641 |
| Return on Equity (ROE) | 15.8200% | 1,287 |
| Retained earnings to average equity (ytd only) | 5.1186% | 2,896 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.7407% | 2,997 |
| Assets per employee ($millions) | 6.4845% | 2,339 |
| Cash dividends to net income (ytd only)* | 67.6355% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 1,611 |
| Loan loss allowance to noncurrent loans | 294.8529% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 2,158 |
| Noncurrent loans to loans | 0.4622% | 1,664 |
| Net loans and leases to total assets | 47.1200% | 3,780 |
| Net loans and leases to deposits | 52.0549% | 3,872 |
| Net loans and leases to core deposits | 53.9870% | 3,928 |
| Total domestic deposits to total assets | 90.5100% | 807 |
| Equity capital to assets | 8.9541% | 2,444 |
| Core capital (leverage) ratio | 8.5784% | 4,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0616% | 1,088 |
| Memoranda: | ||
| Average total assets | $120,087,250 | 3,661 |
| Average earning assets | $110,924,250 | 3,651 |
| Average equity | $10,731,750 | 3,648 |
| Average total loans | $57,059,000 | 3,756 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3979% | 2,887 |
| Cost of funding earning assets | 0.8571% | 3,054 |
| Net interest margin | 3.5409% | 2,175 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.1974% | 3,085 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2983% | 1,573 |
| Return on assets (ROA) | 1.3188% | 1,503 |
| Pretax return on assets | 1.4011% | 1,811 |
| Return on Equity (ROE) | 14.7700% | 1,517 |
| Retained earnings to average equity (ytd only) | -1.4297% | 4,252 |
| Net charge-offs to loans | 0.1311% | 566 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 22.1892% | 1,703 |
| Efficiency ratio | 61.4373% | 2,785 |
| Assets per employee ($millions) | 6.3461% | 2,431 |
| Cash dividends to net income (ytd only)* | 109.6815% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 1,797 |
| Loan loss allowance to noncurrent loans | 81.2965% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 653 |
| Noncurrent loans to loans | 1.6360% | 392 |
| Net loans and leases to total assets | 47.0700% | 3,738 |
| Net loans and leases to deposits | 51.8524% | 3,845 |
| Net loans and leases to core deposits | 53.4226% | 3,911 |
| Total domestic deposits to total assets | 90.7700% | 711 |
| Equity capital to assets | 8.7837% | 2,669 |
| Core capital (leverage) ratio | 8.3583% | 4,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6779% | 1,174 |
| Memoranda: | ||
| Average total assets | $119,047,667 | 3,688 |
| Average earning assets | $110,142,667 | 3,671 |
| Average equity | $10,631,667 | 3,662 |
| Average total loans | $56,461,667 | 3,772 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2755% | 2,861 |
| Cost of funding earning assets | 0.7551% | 2,883 |
| Net interest margin | 3.5203% | 2,309 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.1643% | 3,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4237% | 1,340 |
| Return on assets (ROA) | 1.4406% | 1,279 |
| Pretax return on assets | 1.4406% | 1,788 |
| Return on Equity (ROE) | 16.0000% | 1,355 |
| Retained earnings to average equity (ytd only) | -6.5340% | 4,386 |
| Net charge-offs to loans | 0.2646% | 288 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 11.3784% | 1,640 |
| Efficiency ratio | 60.3205% | 2,920 |
| Assets per employee ($millions) | 6.2819% | 2,519 |
| Cash dividends to net income (ytd only)* | 140.8451% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 1,748 |
| Loan loss allowance to noncurrent loans | 112.1701% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.5714% | 902 |
| Noncurrent loans to loans | 1.2187% | 568 |
| Net loans and leases to total assets | 46.2500% | 3,764 |
| Net loans and leases to deposits | 51.0450% | 3,844 |
| Net loans and leases to core deposits | 52.2323% | 3,905 |
| Total domestic deposits to total assets | 90.6000% | 945 |
| Equity capital to assets | 9.0175% | 2,505 |
| Core capital (leverage) ratio | 8.3071% | 4,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4481% | 1,079 |
| Memoranda: | ||
| Average total assets | $118,283,500 | 3,739 |
| Average earning assets | $109,648,500 | 3,724 |
| Average equity | $10,652,000 | 3,707 |
| Average total loans | $55,933,500 | 3,823 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5531% | 2,934 |
| Cost of funding earning assets | 0.2670% | 3,185 |
| Net interest margin | 3.2861% | 2,601 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 2.5189% | 2,056 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1960% | 1,784 |
| Return on assets (ROA) | 1.1945% | 1,731 |
| Pretax return on assets | 1.2979% | 2,094 |
| Return on Equity (ROE) | 12.8400% | 1,855 |
| Retained earnings to average equity (ytd only) | 1.9669% | 3,982 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.9651% | 2,230 |
| Assets per employee ($millions) | 5.8605% | 2,893 |
| Cash dividends to net income (ytd only)* | 84.6815% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4489% | 1,338 |
| Loan loss allowance to noncurrent loans | 108.4337% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6373% | 781 |
| Noncurrent loans to loans | 1.3362% | 514 |
| Net loans and leases to total assets | 47.0000% | 3,738 |
| Net loans and leases to deposits | 51.8224% | 3,816 |
| Net loans and leases to core deposits | 52.6153% | 3,886 |
| Total domestic deposits to total assets | 90.7000% | 1,059 |
| Equity capital to assets | 8.9933% | 2,361 |
| Core capital (leverage) ratio | 8.4380% | 4,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7979% | 1,016 |
| Memoranda: | ||
| Average total assets | $116,956,600 | 3,753 |
| Average earning assets | $107,484,600 | 3,756 |
| Average equity | $10,880,000 | 3,772 |
| Average total loans | $55,020,800 | 3,825 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3998% | 2,924 |
| Cost of funding earning assets | 0.2026% | 3,237 |
| Net interest margin | 3.1972% | 2,636 |
| Noninterest income to average assets | 0.9200% | 787 |
| Noninterest expense to average assets | 2.4569% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3125% | 1,311 |
| Return on assets (ROA) | 1.3071% | 1,293 |
| Pretax return on assets | 1.3870% | 1,755 |
| Return on Equity (ROE) | 13.9400% | 1,443 |
| Retained earnings to average equity (ytd only) | 0.8634% | 4,237 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.8222% | 2,574 |
| Assets per employee ($millions) | 5.8830% | 2,866 |
| Cash dividends to net income (ytd only)* | 93.8045% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4837% | 1,336 |
| Loan loss allowance to noncurrent loans | 108.2888% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 834 |
| Noncurrent loans to loans | 1.3701% | 528 |
| Net loans and leases to total assets | 45.7100% | 3,780 |
| Net loans and leases to deposits | 50.2283% | 3,840 |
| Net loans and leases to core deposits | 50.5902% | 3,920 |
| Total domestic deposits to total assets | 91.0100% | 1,239 |
| Equity capital to assets | 8.5433% | 2,512 |
| Core capital (leverage) ratio | 8.2245% | 4,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4589% | 1,093 |
| Memoranda: | ||
| Average total assets | $116,893,250 | 3,779 |
| Average earning assets | $107,258,000 | 3,778 |
| Average equity | $10,964,750 | 3,813 |
| Average total loans | $54,800,000 | 3,840 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1466% | 3,195 |
| Cost of funding earning assets | 0.1708% | 3,303 |
| Net interest margin | 2.9757% | 2,953 |
| Noninterest income to average assets | 0.4990% | 2,210 |
| Noninterest expense to average assets | 2.4589% | 2,059 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7158% | 3,255 |
| Return on assets (ROA) | 0.7013% | 3,261 |
| Pretax return on assets | 0.7425% | 3,472 |
| Return on Equity (ROE) | 7.2589% | 3,234 |
| Retained earnings to average equity (ytd only) | -7.6138% | 4,613 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4392% | 1,230 |
| Assets per employee ($millions) | 5.9895% | 2,756 |
| Cash dividends to net income (ytd only)* | 204.8900% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4530% | 1,548 |
| Loan loss allowance to noncurrent loans | 88.5246% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.4517% | 249 |
| Noncurrent loans to loans | 1.6414% | 437 |
| Net loans and leases to total assets | 45.8598% | 3,720 |
| Net loans and leases to deposits | 50.4773% | 3,789 |
| Net loans and leases to core deposits | 51.2329% | 3,862 |
| Total domestic deposits to total assets | 90.8522% | 1,307 |
| Equity capital to assets | 8.7863% | 2,543 |
| Core capital (leverage) ratio | 7.9708% | 4,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2958% | 1,360 |
| Memoranda: | ||
| Average total assets | $116,638,000 | 3,827 |
| Average earning assets | $106,528,667 | 3,842 |
| Average equity | $11,269,000 | 3,853 |
| Average total loans | $54,868,667 | 3,879 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0136% | 3,215 |
| Cost of funding earning assets | 0.1528% | 3,472 |
| Net interest margin | 2.8608% | 2,957 |
| Noninterest income to average assets | 0.5527% | 1,887 |
| Noninterest expense to average assets | 2.3326% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8239% | 2,578 |
| Return on assets (ROA) | 0.8274% | 2,561 |
| Pretax return on assets | 0.8274% | 3,023 |
| Return on Equity (ROE) | 8.1780% | 2,611 |
| Retained earnings to average equity (ytd only) | -15.8749% | 4,653 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8987% | 1,753 |
| Assets per employee ($millions) | 5.8345% | 2,964 |
| Cash dividends to net income (ytd only)* | 294.1176% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 1,559 |
| Loan loss allowance to noncurrent loans | 383.8863% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 607 |
| Noncurrent loans to loans | 0.3898% | 2,090 |
| Net loans and leases to total assets | 45.6915% | 3,611 |
| Net loans and leases to deposits | 50.5868% | 3,684 |
| Net loans and leases to core deposits | 52.1229% | 3,728 |
| Total domestic deposits to total assets | 90.3230% | 1,375 |
| Equity capital to assets | 9.3548% | 2,400 |
| Core capital (leverage) ratio | 8.0680% | 4,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6761% | 1,348 |
| Memoranda: | ||
| Average total assets | $115,062,500 | 3,862 |
| Average earning assets | $104,726,500 | 3,875 |
| Average equity | $11,641,000 | 3,892 |
| Average total loans | $54,430,500 | 3,893 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2620% | 3,320 |
| Cost of funding earning assets | 0.1716% | 3,758 |
| Net interest margin | 3.0905% | 2,939 |
| Noninterest income to average assets | 1.5006% | 499 |
| Noninterest expense to average assets | 2.5582% | 1,997 |
| Loan and lease loss provision to assets | 0.1137% | 1,107 |
| Net operating income to assets | 1.4823% | 1,056 |
| Return on assets (ROA) | 1.5188% | 1,014 |
| Pretax return on assets | 1.7034% | 1,139 |
| Return on Equity (ROE) | 13.3510% | 1,362 |
| Retained earnings to average equity (ytd only) | 1.0473% | 4,246 |
| Net charge-offs to loans | 0.1033% | 839 |
| Credit loss provision to net charge-offs | 195.3125% | 1,319 |
| Earnings coverage of net charge-offs (x) | 30.5156% | 1,593 |
| Efficiency ratio | 59.0222% | 3,294 |
| Assets per employee ($millions) | 5.6718% | 3,097 |
| Cash dividends to net income (ytd only)* | 92.1557% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 1,636 |
| Loan loss allowance to noncurrent loans | 382.0755% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 1.2465% | 382 |
| Noncurrent loans to loans | 0.3873% | 2,195 |
| Net loans and leases to total assets | 47.5369% | 3,533 |
| Net loans and leases to deposits | 53.5157% | 3,629 |
| Net loans and leases to core deposits | 55.2166% | 3,680 |
| Total domestic deposits to total assets | 88.8281% | 1,604 |
| Equity capital to assets | 10.9013% | 1,852 |
| Core capital (leverage) ratio | 8.4545% | 3,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8894% | 1,068 |
| Memoranda: | ||
| Average total assets | $109,958,200 | 3,893 |
| Average earning assets | $100,826,400 | 3,901 |
| Average equity | $12,508,400 | 3,882 |
| Average total loans | $61,977,800 | 3,784 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3000% | 3,389 |
| Cost of funding earning assets | 0.1768% | 3,850 |
| Net interest margin | 3.1231% | 2,990 |
| Noninterest income to average assets | 1.8235% | 391 |
| Noninterest expense to average assets | 2.4982% | 2,125 |
| Loan and lease loss provision to assets | 0.1531% | 725 |
| Net operating income to assets | 2.0411% | 430 |
| Return on assets (ROA) | 2.0875% | 426 |
| Pretax return on assets | 2.0900% | 685 |
| Return on Equity (ROE) | 18.1543% | 612 |
| Retained earnings to average equity (ytd only) | 1.7963% | 4,246 |
| Net charge-offs to loans | 0.2090% | 395 |
| Credit loss provision to net charge-offs | 125.0000% | 1,440 |
| Earnings coverage of net charge-offs (x) | 17.9700% | 1,799 |
| Efficiency ratio | 53.2153% | 3,901 |
| Assets per employee ($millions) | 5.7032% | 2,989 |
| Cash dividends to net income (ytd only)* | 90.1054% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 2,636 |
| Loan loss allowance to noncurrent loans | 61.8705% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.4281% | 360 |
| Noncurrent loans to loans | 2.0512% | 422 |
| Net loans and leases to total assets | 52.7905% | 3,109 |
| Net loans and leases to deposits | 59.6696% | 3,260 |
| Net loans and leases to core deposits | 60.9383% | 3,405 |
| Total domestic deposits to total assets | 88.4714% | 1,580 |
| Equity capital to assets | 11.0438% | 1,982 |
| Core capital (leverage) ratio | 8.7011% | 3,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3163% | 1,286 |
| Memoranda: | ||
| Average total assets | $109,088,750 | 3,948 |
| Average earning assets | $100,281,000 | 3,953 |
| Average equity | $12,544,000 | 3,930 |
| Average total loans | $63,788,750 | 3,818 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3164% | 3,381 |
| Cost of funding earning assets | 0.1774% | 3,976 |
| Net interest margin | 3.1390% | 2,929 |
| Noninterest income to average assets | 2.4127% | 261 |
| Noninterest expense to average assets | 2.5170% | 2,087 |
| Loan and lease loss provision to assets | 0.2327% | 438 |
| Net operating income to assets | 2.5579% | 203 |
| Return on assets (ROA) | 2.5579% | 216 |
| Pretax return on assets | 2.5617% | 321 |
| Return on Equity (ROE) | 21.9378% | 323 |
| Retained earnings to average equity (ytd only) | -2.2832% | 4,684 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3887% | 4,433 |
| Assets per employee ($millions) | 5.6114% | 3,005 |
| Cash dividends to net income (ytd only)* | 110.4076% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 2,302 |
| Loan loss allowance to noncurrent loans | 57.1615% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.7268% | 280 |
| Noncurrent loans to loans | 2.3233% | 377 |
| Net loans and leases to total assets | 57.8626% | 2,685 |
| Net loans and leases to deposits | 65.3155% | 2,878 |
| Net loans and leases to core deposits | 66.3832% | 3,086 |
| Total domestic deposits to total assets | 88.5893% | 1,519 |
| Equity capital to assets | 11.0035% | 1,968 |
| Core capital (leverage) ratio | 8.6094% | 3,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6286% | 1,440 |
| Memoranda: | ||
| Average total assets | $107,430,333 | 3,983 |
| Average earning assets | $99,205,000 | 3,982 |
| Average equity | $12,526,333 | 3,942 |
| Average total loans | $64,722,000 | 3,822 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3923% | 3,216 |
| Cost of funding earning assets | 0.1814% | 4,068 |
| Net interest margin | 3.2109% | 2,661 |
| Noninterest income to average assets | 2.9858% | 200 |
| Noninterest expense to average assets | 2.4869% | 2,212 |
| Loan and lease loss provision to assets | 0.0571% | 1,974 |
| Net operating income to assets | 3.4009% | 116 |
| Return on assets (ROA) | 3.4009% | 126 |
| Pretax return on assets | 3.4085% | 157 |
| Return on Equity (ROE) | 28.3155% | 175 |
| Retained earnings to average equity (ytd only) | 5.3270% | 3,118 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7786% | 4,679 |
| Assets per employee ($millions) | 5.4427% | 3,172 |
| Cash dividends to net income (ytd only)* | 81.1870% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 3,112 |
| Loan loss allowance to noncurrent loans | 59.4553% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.5921% | 375 |
| Noncurrent loans to loans | 1.9621% | 558 |
| Net loans and leases to total assets | 59.4628% | 2,609 |
| Net loans and leases to deposits | 67.5894% | 2,744 |
| Net loans and leases to core deposits | 68.7357% | 2,994 |
| Total domestic deposits to total assets | 87.9764% | 1,857 |
| Equity capital to assets | 11.6662% | 1,463 |
| Core capital (leverage) ratio | 9.2768% | 3,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2363% | 1,235 |
| Memoranda: | ||
| Average total assets | $105,031,500 | 4,015 |
| Average earning assets | $97,043,500 | 4,009 |
| Average equity | $12,615,000 | 3,939 |
| Average total loans | $64,177,000 | 3,837 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1799% | 2,198 |
| Cost of funding earning assets | 0.3317% | 3,967 |
| Net interest margin | 3.8483% | 1,362 |
| Noninterest income to average assets | 0.9936% | 1,051 |
| Noninterest expense to average assets | 2.6991% | 2,242 |
| Loan and lease loss provision to assets | 0.2657% | 1,454 |
| Net operating income to assets | 1.5037% | 801 |
| Return on assets (ROA) | 1.5037% | 876 |
| Pretax return on assets | 1.5058% | 1,311 |
| Return on Equity (ROE) | 11.3914% | 1,500 |
| Retained earnings to average equity (ytd only) | 0.4669% | 4,373 |
| Net charge-offs to loans | 0.4096% | 417 |
| Credit loss provision to net charge-offs | 100.4016% | 2,815 |
| Earnings coverage of net charge-offs (x) | 6.6948% | 2,756 |
| Efficiency ratio | 60.3756% | 3,400 |
| Assets per employee ($millions) | 5.0605% | 3,328 |
| Cash dividends to net income (ytd only)* | 95.9011% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 2,992 |
| Loan loss allowance to noncurrent loans | 59.3973% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.6886% | 392 |
| Noncurrent loans to loans | 2.0059% | 568 |
| Net loans and leases to total assets | 61.3714% | 2,678 |
| Net loans and leases to deposits | 70.2838% | 2,852 |
| Net loans and leases to core deposits | 71.5756% | 3,118 |
| Total domestic deposits to total assets | 87.3194% | 1,786 |
| Equity capital to assets | 12.3812% | 1,374 |
| Core capital (leverage) ratio | 9.4347% | 3,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0272% | 1,255 |
| Memoranda: | ||
| Average total assets | $94,103,800 | 4,065 |
| Average earning assets | $85,025,600 | 4,087 |
| Average equity | $12,421,600 | 3,933 |
| Average total loans | $60,797,400 | 3,902 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 1,911 |
| Cost of funding earning assets | 0.3759% | 3,932 |
| Net interest margin | 3.9998% | 1,117 |
| Noninterest income to average assets | 1.1943% | 747 |
| Noninterest expense to average assets | 2.6918% | 2,287 |
| Loan and lease loss provision to assets | 0.2383% | 1,704 |
| Net operating income to assets | 1.8571% | 406 |
| Return on assets (ROA) | 1.8571% | 449 |
| Pretax return on assets | 1.8600% | 697 |
| Return on Equity (ROE) | 13.8340% | 906 |
| Retained earnings to average equity (ytd only) | 0.8606% | 4,295 |
| Net charge-offs to loans | 0.2367% | 647 |
| Credit loss provision to net charge-offs | 154.2056% | 2,303 |
| Earnings coverage of net charge-offs (x) | 13.5794% | 2,191 |
| Efficiency ratio | 56.1954% | 3,901 |
| Assets per employee ($millions) | 5.0079% | 3,243 |
| Cash dividends to net income (ytd only)* | 93.7792% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 2,482 |
| Loan loss allowance to noncurrent loans | 48.9970% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 2.3713% | 236 |
| Noncurrent loans to loans | 2.5166% | 418 |
| Net loans and leases to total assets | 64.4582% | 2,710 |
| Net loans and leases to deposits | 74.1081% | 2,942 |
| Net loans and leases to core deposits | 75.4188% | 3,216 |
| Total domestic deposits to total assets | 86.9786% | 1,681 |
| Equity capital to assets | 12.5332% | 1,407 |
| Core capital (leverage) ratio | 9.6817% | 3,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4266% | 1,387 |
| Memoranda: | ||
| Average total assets | $92,327,250 | 4,089 |
| Average earning assets | $83,003,000 | 4,114 |
| Average equity | $12,394,250 | 3,939 |
| Average total loans | $60,281,000 | 3,936 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 2,190 |
| Cost of funding earning assets | 0.4349% | 3,872 |
| Net interest margin | 3.9716% | 1,398 |
| Noninterest income to average assets | 1.5226% | 449 |
| Noninterest expense to average assets | 2.7107% | 2,352 |
| Loan and lease loss provision to assets | 0.3344% | 1,279 |
| Net operating income to assets | 2.0353% | 307 |
| Return on assets (ROA) | 2.0353% | 342 |
| Pretax return on assets | 2.0397% | 504 |
| Return on Equity (ROE) | 14.7958% | 737 |
| Retained earnings to average equity (ytd only) | 0.4376% | 4,224 |
| Net charge-offs to loans | 0.3653% | 438 |
| Credit loss provision to net charge-offs | 140.1869% | 2,175 |
| Earnings coverage of net charge-offs (x) | 9.9533% | 2,185 |
| Efficiency ratio | 53.3100% | 4,250 |
| Assets per employee ($millions) | 4.8465% | 3,363 |
| Cash dividends to net income (ytd only)* | 97.0427% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 2,657 |
| Loan loss allowance to noncurrent loans | 17.2594% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 5.5123% | 47 |
| Noncurrent loans to loans | 6.7884% | 63 |
| Net loans and leases to total assets | 68.8349% | 2,208 |
| Net loans and leases to deposits | 79.4146% | 2,502 |
| Net loans and leases to core deposits | 80.8700% | 2,884 |
| Total domestic deposits to total assets | 86.6779% | 1,739 |
| Equity capital to assets | 12.8960% | 1,211 |
| Core capital (leverage) ratio | 10.2549% | 2,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5401% | 1,618 |
| Memoranda: | ||
| Average total assets | $89,717,000 | 4,136 |
| Average earning assets | $80,471,000 | 4,160 |
| Average equity | $12,341,333 | 3,940 |
| Average total loans | $58,586,000 | 3,971 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7360% | 1,598 |
| Cost of funding earning assets | 0.5262% | 3,819 |
| Net interest margin | 4.2098% | 902 |
| Noninterest income to average assets | 0.4599% | 2,746 |
| Noninterest expense to average assets | 2.6803% | 2,756 |
| Loan and lease loss provision to assets | 0.3484% | 881 |
| Net operating income to assets | 1.1752% | 1,599 |
| Return on assets (ROA) | 1.1752% | 1,719 |
| Pretax return on assets | 1.1845% | 2,247 |
| Return on Equity (ROE) | 8.2531% | 2,406 |
| Retained earnings to average equity (ytd only) | -13.7661% | 4,870 |
| Net charge-offs to loans | 0.7908% | 192 |
| Credit loss provision to net charge-offs | 70.0935% | 1,981 |
| Earnings coverage of net charge-offs (x) | 3.0841% | 2,234 |
| Efficiency ratio | 63.6163% | 3,292 |
| Assets per employee ($millions) | 4.3612% | 3,459 |
| Cash dividends to net income (ytd only)* | 266.7984% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3088% | 2,102 |
| Loan loss allowance to noncurrent loans | 16.9628% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 5.7450% | 51 |
| Noncurrent loans to loans | 7.7159% | 47 |
| Net loans and leases to total assets | 61.8977% | 3,309 |
| Net loans and leases to deposits | 72.1604% | 3,420 |
| Net loans and leases to core deposits | 73.3945% | 3,678 |
| Total domestic deposits to total assets | 85.7778% | 2,092 |
| Equity capital to assets | 13.8163% | 1,122 |
| Core capital (leverage) ratio | 10.7037% | 2,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5439% | 1,749 |
| Memoranda: | ||
| Average total assets | $86,111,000 | 4,182 |
| Average earning assets | $76,773,500 | 4,219 |
| Average equity | $12,262,000 | 3,967 |
| Average total loans | $54,123,000 | 4,068 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5359% | 527 |
| Cost of funding earning assets | 0.5986% | 3,641 |
| Net interest margin | 4.9373% | 302 |
| Noninterest income to average assets | 0.5305% | 2,577 |
| Noninterest expense to average assets | 2.9568% | 2,130 |
| Loan and lease loss provision to assets | 0.1725% | 1,212 |
| Net operating income to assets | 1.7424% | 605 |
| Return on assets (ROA) | 1.7424% | 642 |
| Pretax return on assets | 1.7864% | 972 |
| Return on Equity (ROE) | 11.9819% | 1,522 |
| Retained earnings to average equity (ytd only) | 1.2759% | 4,282 |
| Net charge-offs to loans | 0.0559% | 2,303 |
| Credit loss provision to net charge-offs | 453.1250% | 641 |
| Earnings coverage of net charge-offs (x) | 51.4688% | 1,106 |
| Efficiency ratio | 60.1500% | 3,672 |
| Assets per employee ($millions) | 4.2500% | 3,579 |
| Cash dividends to net income (ytd only)* | 89.3515% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 1,530 |
| Loan loss allowance to noncurrent loans | 35.8066% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 3.4224% | 135 |
| Noncurrent loans to loans | 3.9017% | 185 |
| Net loans and leases to total assets | 62.1101% | 3,389 |
| Net loans and leases to deposits | 73.0719% | 3,432 |
| Net loans and leases to core deposits | 74.6265% | 3,667 |
| Total domestic deposits to total assets | 84.9986% | 2,494 |
| Equity capital to assets | 14.6743% | 870 |
| Core capital (leverage) ratio | 11.1918% | 2,347 |
| Tier 1 risk-based capital ratio | 16.0137% | 2,405 |
| Total risk-based capital ratio | 17.2629% | 2,348 |
| Memoranda: | ||
| Average total assets | $84,077,600 | 4,225 |
| Average earning assets | $74,675,800 | 4,276 |
| Average equity | $12,226,800 | 3,970 |
| Average total loans | $57,238,200 | 4,025 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6490% | 452 |
| Cost of funding earning assets | 0.6012% | 3,695 |
| Net interest margin | 5.0477% | 261 |
| Noninterest income to average assets | 0.5120% | 2,656 |
| Noninterest expense to average assets | 3.0642% | 1,794 |
| Loan and lease loss provision to assets | 0.1113% | 1,756 |
| Net operating income to assets | 1.7635% | 656 |
| Return on assets (ROA) | 1.7635% | 692 |
| Pretax return on assets | 1.8223% | 1,026 |
| Return on Equity (ROE) | 12.1545% | 1,556 |
| Retained earnings to average equity (ytd only) | -1.1727% | 4,874 |
| Net charge-offs to loans | 0.0734% | 1,772 |
| Credit loss provision to net charge-offs | 218.7500% | 1,224 |
| Earnings coverage of net charge-offs (x) | 37.9960% | 1,414 |
| Efficiency ratio | 61.3108% | 3,436 |
| Assets per employee ($millions) | 4.2987% | 3,485 |
| Cash dividends to net income (ytd only)* | 109.6481% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 2,678 |
| Loan loss allowance to noncurrent loans | 31.7004% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 3.4580% | 144 |
| Noncurrent loans to loans | 3.6797% | 205 |
| Net loans and leases to total assets | 66.3247% | 3,012 |
| Net loans and leases to deposits | 77.7820% | 3,119 |
| Net loans and leases to core deposits | 79.4566% | 3,428 |
| Total domestic deposits to total assets | 85.2700% | 2,313 |
| Equity capital to assets | 14.2008% | 1,077 |
| Core capital (leverage) ratio | 10.9833% | 2,659 |
| Tier 1 risk-based capital ratio | 15.4110% | 2,671 |
| Total risk-based capital ratio | 16.5579% | 2,643 |
| Memoranda: | ||
| Average total assets | $83,847,250 | 4,280 |
| Average earning assets | $74,513,250 | 4,331 |
| Average equity | $12,165,250 | 4,011 |
| Average total loans | $58,162,500 | 4,061 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7302% | 377 |
| Cost of funding earning assets | 0.5863% | 3,721 |
| Net interest margin | 5.1438% | 216 |
| Noninterest income to average assets | 0.4619% | 2,903 |
| Noninterest expense to average assets | 2.9830% | 2,047 |
| Loan and lease loss provision to assets | 0.0722% | 2,372 |
| Net operating income to assets | 1.8764% | 507 |
| Return on assets (ROA) | 1.8764% | 531 |
| Pretax return on assets | 1.9654% | 727 |
| Return on Equity (ROE) | 12.8388% | 1,291 |
| Retained earnings to average equity (ytd only) | -3.6047% | 5,000 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4154% | 3,808 |
| Assets per employee ($millions) | 4.2153% | 3,554 |
| Cash dividends to net income (ytd only)* | 128.0769% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 2,973 |
| Loan loss allowance to noncurrent loans | 34.0502% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 3.3604% | 157 |
| Noncurrent loans to loans | 3.2862% | 282 |
| Net loans and leases to total assets | 69.7056% | 2,566 |
| Net loans and leases to deposits | 81.8286% | 2,747 |
| Net loans and leases to core deposits | 83.5860% | 3,147 |
| Total domestic deposits to total assets | 85.1849% | 2,399 |
| Equity capital to assets | 14.3489% | 1,000 |
| Core capital (leverage) ratio | 11.2389% | 2,387 |
| Tier 1 risk-based capital ratio | 14.7422% | 2,943 |
| Total risk-based capital ratio | 15.8399% | 2,948 |
| Memoranda: | ||
| Average total assets | $83,138,330 | 4,326 |
| Average earning assets | $73,680,330 | 4,378 |
| Average equity | $12,150,670 | 4,022 |
| Average total loans | $58,318,330 | 4,085 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6798% | 373 |
| Cost of funding earning assets | 0.5713% | 3,722 |
| Net interest margin | 5.1085% | 240 |
| Noninterest income to average assets | 0.4748% | 2,707 |
| Noninterest expense to average assets | 2.9217% | 2,215 |
| Loan and lease loss provision to assets | 0.0727% | 2,217 |
| Net operating income to assets | 1.9769% | 403 |
| Return on assets (ROA) | 1.9769% | 418 |
| Pretax return on assets | 1.9866% | 656 |
| Return on Equity (ROE) | 13.4018% | 1,111 |
| Retained earnings to average equity (ytd only) | -9.0987% | 5,072 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6576% | 3,995 |
| Assets per employee ($millions) | 4.1241% | 3,736 |
| Cash dividends to net income (ytd only)* | 167.8922% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 3,015 |
| Loan loss allowance to noncurrent loans | 28.4588% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 3.8724% | 124 |
| Noncurrent loans to loans | 3.9384% | 200 |
| Net loans and leases to total assets | 69.5218% | 2,553 |
| Net loans and leases to deposits | 81.8029% | 2,627 |
| Net loans and leases to core deposits | 84.2301% | 3,006 |
| Total domestic deposits to total assets | 84.9870% | 2,680 |
| Equity capital to assets | 14.5959% | 860 |
| Core capital (leverage) ratio | 11.2101% | 2,381 |
| Tier 1 risk-based capital ratio | 15.0413% | 2,876 |
| Total risk-based capital ratio | 16.1431% | 2,854 |
| Memoranda: | ||
| Average total assets | $82,554,500 | 4,373 |
| Average earning assets | $72,819,500 | 4,435 |
| Average equity | $12,177,500 | 4,038 |
| Average total loans | $57,762,000 | 4,134 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2956% | 586 |
| Cost of funding earning assets | 0.4873% | 3,433 |
| Net interest margin | 4.8083% | 393 |
| Noninterest income to average assets | 0.5151% | 2,749 |
| Noninterest expense to average assets | 2.9176% | 2,289 |
| Loan and lease loss provision to assets | 0.0660% | 2,833 |
| Net operating income to assets | 1.7229% | 650 |
| Return on assets (ROA) | 1.7229% | 650 |
| Pretax return on assets | 1.8082% | 895 |
| Return on Equity (ROE) | 11.9240% | 1,741 |
| Retained earnings to average equity (ytd only) | 2.8335% | 3,986 |
| Net charge-offs to loans | 0.1005% | 1,754 |
| Credit loss provision to net charge-offs | 96.4912% | 2,619 |
| Earnings coverage of net charge-offs (x) | 27.3860% | 1,689 |
| Efficiency ratio | 60.8870% | 3,713 |
| Assets per employee ($millions) | 4.3488% | 3,385 |
| Cash dividends to net income (ytd only)* | 76.2369% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 3,078 |
| Loan loss allowance to noncurrent loans | 43.2856% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 2.9131% | 226 |
| Noncurrent loans to loans | 2.5499% | 469 |
| Net loans and leases to total assets | 68.8588% | 2,754 |
| Net loans and leases to deposits | 81.2394% | 2,827 |
| Net loans and leases to core deposits | 83.6521% | 3,122 |
| Total domestic deposits to total assets | 84.7604% | 2,747 |
| Equity capital to assets | 14.9055% | 729 |
| Core capital (leverage) ratio | 11.3723% | 2,201 |
| Tier 1 risk-based capital ratio | 14.6757% | 2,975 |
| Total risk-based capital ratio | 15.6942% | 2,998 |
| Memoranda: | ||
| Average total assets | $83,288,000 | 4,370 |
| Average earning assets | $74,079,800 | 4,419 |
| Average equity | $12,034,600 | 4,017 |
| Average total loans | $56,691,200 | 4,169 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1947% | 635 |
| Cost of funding earning assets | 0.4732% | 3,374 |
| Net interest margin | 4.7215% | 445 |
| Noninterest income to average assets | 0.5001% | 2,863 |
| Noninterest expense to average assets | 2.8103% | 2,602 |
| Loan and lease loss provision to assets | 0.0639% | 2,697 |
| Net operating income to assets | 1.7367% | 692 |
| Return on assets (ROA) | 1.7367% | 699 |
| Pretax return on assets | 1.8501% | 907 |
| Return on Equity (ROE) | 12.1136% | 1,751 |
| Retained earnings to average equity (ytd only) | 1.8053% | 4,638 |
| Net charge-offs to loans | 0.0236% | 2,659 |
| Credit loss provision to net charge-offs | 400.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 119.8267% | 657 |
| Efficiency ratio | 59.4860% | 3,887 |
| Assets per employee ($millions) | 4.4372% | 3,215 |
| Cash dividends to net income (ytd only)* | 85.0963% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 3,018 |
| Loan loss allowance to noncurrent loans | 44.6752% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 2.9215% | 254 |
| Noncurrent loans to loans | 2.5319% | 512 |
| Net loans and leases to total assets | 69.1540% | 2,780 |
| Net loans and leases to deposits | 81.4943% | 2,873 |
| Net loans and leases to core deposits | 83.8900% | 3,163 |
| Total domestic deposits to total assets | 84.8575% | 2,665 |
| Equity capital to assets | 14.3964% | 853 |
| Core capital (leverage) ratio | 10.9014% | 2,676 |
| Tier 1 risk-based capital ratio | 14.6520% | 3,043 |
| Total risk-based capital ratio | 15.7414% | 3,048 |
| Memoranda: | ||
| Average total assets | $83,453,250 | 4,414 |
| Average earning assets | $74,663,750 | 4,453 |
| Average equity | $11,964,250 | 4,065 |
| Average total loans | $56,481,250 | 4,219 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0418% | 743 |
| Cost of funding earning assets | 0.4569% | 3,308 |
| Net interest margin | 4.5849% | 570 |
| Noninterest income to average assets | 0.4858% | 2,943 |
| Noninterest expense to average assets | 2.8015% | 2,652 |
| Loan and lease loss provision to assets | 0.0601% | 2,699 |
| Net operating income to assets | 1.5559% | 1,023 |
| Return on assets (ROA) | 1.5559% | 1,027 |
| Pretax return on assets | 1.7266% | 1,153 |
| Return on Equity (ROE) | 10.8679% | 2,168 |
| Retained earnings to average equity (ytd only) | -1.2262% | 5,094 |
| Net charge-offs to loans | 0.0359% | 2,131 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 74.3000% | 868 |
| Efficiency ratio | 61.0587% | 3,755 |
| Assets per employee ($millions) | 4.2508% | 3,495 |
| Cash dividends to net income (ytd only)* | 111.2828% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 3,006 |
| Loan loss allowance to noncurrent loans | 43.5247% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 2.9383% | 256 |
| Noncurrent loans to loans | 2.6320% | 470 |
| Net loans and leases to total assets | 66.1789% | 3,122 |
| Net loans and leases to deposits | 77.3595% | 3,218 |
| Net loans and leases to core deposits | 79.5909% | 3,454 |
| Total domestic deposits to total assets | 85.5473% | 2,477 |
| Equity capital to assets | 13.9999% | 927 |
| Core capital (leverage) ratio | 10.9276% | 2,583 |
| Tier 1 risk-based capital ratio | 14.7118% | 3,015 |
| Total risk-based capital ratio | 15.8098% | 3,008 |
| Memoranda: | ||
| Average total assets | $83,169,000 | 4,466 |
| Average earning assets | $74,417,670 | 4,495 |
| Average equity | $11,906,670 | 4,099 |
| Average total loans | $55,652,330 | 4,268 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9140% | 847 |
| Cost of funding earning assets | 0.4240% | 3,411 |
| Net interest margin | 4.4900% | 633 |
| Noninterest income to average assets | 0.5544% | 2,504 |
| Noninterest expense to average assets | 2.8743% | 2,456 |
| Loan and lease loss provision to assets | 0.0486% | 2,807 |
| Net operating income to assets | 1.3034% | 1,633 |
| Return on assets (ROA) | 1.3034% | 1,638 |
| Pretax return on assets | 1.6487% | 1,245 |
| Return on Equity (ROE) | 9.0016% | 2,908 |
| Retained earnings to average equity (ytd only) | -4.4336% | 5,174 |
| Net charge-offs to loans | -0.0073% | 4,131 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8723% | 3,655 |
| Assets per employee ($millions) | 4.1243% | 3,766 |
| Cash dividends to net income (ytd only)* | 149.2537% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 3,029 |
| Loan loss allowance to noncurrent loans | 39.4161% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 3.2418% | 229 |
| Noncurrent loans to loans | 2.9472% | 412 |
| Net loans and leases to total assets | 66.8392% | 2,918 |
| Net loans and leases to deposits | 78.4030% | 2,972 |
| Net loans and leases to core deposits | 81.3363% | 3,206 |
| Total domestic deposits to total assets | 85.2508% | 2,838 |
| Equity capital to assets | 14.3576% | 805 |
| Core capital (leverage) ratio | 11.0576% | 2,378 |
| Tier 1 risk-based capital ratio | 14.6896% | 3,032 |
| Total risk-based capital ratio | 15.7866% | 3,007 |
| Memoranda: | ||
| Average total assets | $82,246,000 | 4,528 |
| Average earning assets | $73,585,000 | 4,561 |
| Average equity | $11,909,000 | 4,138 |
| Average total loans | $55,021,500 | 4,326 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7585% | 1,058 |
| Cost of funding earning assets | 0.3596% | 3,618 |
| Net interest margin | 4.3989% | 772 |
| Noninterest income to average assets | 0.5070% | 2,955 |
| Noninterest expense to average assets | 2.9173% | 2,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8467% | 2,968 |
| Return on assets (ROA) | 0.8467% | 2,996 |
| Pretax return on assets | 1.4920% | 1,675 |
| Return on Equity (ROE) | 5.9704% | 3,771 |
| Retained earnings to average equity (ytd only) | 2.5490% | 3,801 |
| Net charge-offs to loans | 0.0743% | 2,386 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 30.7500% | 1,517 |
| Efficiency ratio | 66.1623% | 3,238 |
| Assets per employee ($millions) | 4.3161% | 3,458 |
| Cash dividends to net income (ytd only)* | 57.3066% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 2,925 |
| Loan loss allowance to noncurrent loans | 25.6338% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 4.2997% | 129 |
| Noncurrent loans to loans | 4.5796% | 176 |
| Net loans and leases to total assets | 65.3916% | 3,174 |
| Net loans and leases to deposits | 76.9667% | 3,234 |
| Net loans and leases to core deposits | 79.1747% | 3,490 |
| Total domestic deposits to total assets | 84.9609% | 2,847 |
| Equity capital to assets | 14.6026% | 754 |
| Core capital (leverage) ratio | 11.0772% | 2,259 |
| Tier 1 risk-based capital ratio | 15.3395% | 2,687 |
| Total risk-based capital ratio | 16.4487% | 2,680 |
| Memoranda: | ||
| Average total assets | $82,439,200 | 4,548 |
| Average earning assets | $73,132,400 | 4,592 |
| Average equity | $11,691,000 | 4,186 |
| Average total loans | $53,854,600 | 4,368 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7038% | 1,123 |
| Cost of funding earning assets | 0.3536% | 3,628 |
| Net interest margin | 4.3502% | 821 |
| Noninterest income to average assets | 0.4797% | 3,152 |
| Noninterest expense to average assets | 2.9849% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8044% | 3,509 |
| Return on assets (ROA) | 0.8044% | 3,552 |
| Pretax return on assets | 1.3503% | 2,284 |
| Return on Equity (ROE) | 5.7141% | 4,240 |
| Retained earnings to average equity (ytd only) | 1.1244% | 4,940 |
| Net charge-offs to loans | -0.0124% | 4,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8525% | 2,735 |
| Assets per employee ($millions) | 4.3132% | 3,451 |
| Cash dividends to net income (ytd only)* | 80.3217% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 2,522 |
| Loan loss allowance to noncurrent loans | 55.4021% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 2.9652% | 303 |
| Noncurrent loans to loans | 2.2917% | 695 |
| Net loans and leases to total assets | 64.7143% | 3,298 |
| Net loans and leases to deposits | 76.0879% | 3,371 |
| Net loans and leases to core deposits | 78.2859% | 3,605 |
| Total domestic deposits to total assets | 85.0520% | 2,693 |
| Equity capital to assets | 14.3683% | 892 |
| Core capital (leverage) ratio | 10.7588% | 2,692 |
| Tier 1 risk-based capital ratio | 15.1099% | 2,876 |
| Total risk-based capital ratio | 16.3069% | 2,824 |
| Memoranda: | ||
| Average total assets | $82,547,500 | 4,586 |
| Average earning assets | $73,159,500 | 4,644 |
| Average equity | $11,620,000 | 4,242 |
| Average total loans | $53,752,750 | 4,406 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5868% | 1,280 |
| Cost of funding earning assets | 0.3419% | 3,669 |
| Net interest margin | 4.2449% | 984 |
| Noninterest income to average assets | 0.5269% | 2,848 |
| Noninterest expense to average assets | 2.9560% | 2,247 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7710% | 3,539 |
| Return on assets (ROA) | 0.7710% | 3,590 |
| Pretax return on assets | 1.3221% | 2,303 |
| Return on Equity (ROE) | 5.5151% | 4,263 |
| Retained earnings to average equity (ytd only) | -1.4004% | 5,274 |
| Net charge-offs to loans | -0.0186% | 4,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0960% | 2,829 |
| Assets per employee ($millions) | 4.4593% | 3,180 |
| Cash dividends to net income (ytd only)* | 125.3918% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,458 |
| Loan loss allowance to noncurrent loans | 56.8333% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 3.5691% | 223 |
| Noncurrent loans to loans | 2.2715% | 705 |
| Net loans and leases to total assets | 61.5471% | 3,680 |
| Net loans and leases to deposits | 71.6778% | 3,770 |
| Net loans and leases to core deposits | 73.6581% | 3,966 |
| Total domestic deposits to total assets | 85.8664% | 2,436 |
| Equity capital to assets | 13.6863% | 1,073 |
| Core capital (leverage) ratio | 10.6675% | 2,741 |
| Tier 1 risk-based capital ratio | 14.8030% | 3,012 |
| Total risk-based capital ratio | 16.0006% | 2,969 |
| Memoranda: | ||
| Average total assets | $82,746,330 | 4,613 |
| Average earning assets | $73,122,670 | 4,671 |
| Average equity | $11,568,330 | 4,266 |
| Average total loans | $53,765,000 | 4,429 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 1,063 |
| Cost of funding earning assets | 0.3214% | 3,839 |
| Net interest margin | 4.3112% | 763 |
| Noninterest income to average assets | 0.4354% | 3,412 |
| Noninterest expense to average assets | 2.9649% | 2,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7584% | 3,437 |
| Return on assets (ROA) | 0.7584% | 3,492 |
| Pretax return on assets | 1.2770% | 2,321 |
| Return on Equity (ROE) | 5.3659% | 4,212 |
| Retained earnings to average equity (ytd only) | -8.4815% | 5,543 |
| Net charge-offs to loans | -0.0369% | 5,032 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8962% | 2,911 |
| Assets per employee ($millions) | 4.2853% | 3,525 |
| Cash dividends to net income (ytd only)* | 258.0645% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 2,693 |
| Loan loss allowance to noncurrent loans | 66.1494% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 3.3861% | 257 |
| Noncurrent loans to loans | 1.9185% | 945 |
| Net loans and leases to total assets | 65.1658% | 3,094 |
| Net loans and leases to deposits | 76.1332% | 3,185 |
| Net loans and leases to core deposits | 77.7543% | 3,493 |
| Total domestic deposits to total assets | 85.5944% | 2,842 |
| Equity capital to assets | 14.0408% | 889 |
| Core capital (leverage) ratio | 10.6172% | 2,773 |
| Tier 1 risk-based capital ratio | 14.3742% | 3,273 |
| Total risk-based capital ratio | 15.5601% | 3,231 |
| Memoranda: | ||
| Average total assets | $81,756,000 | 4,678 |
| Average earning assets | $72,184,500 | 4,742 |
| Average equity | $11,554,500 | 4,295 |
| Average total loans | $54,233,000 | 4,450 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8184% | 860 |
| Cost of funding earning assets | 0.2895% | 4,179 |
| Net interest margin | 4.5289% | 585 |
| Noninterest income to average assets | 0.6568% | 2,386 |
| Noninterest expense to average assets | 2.9434% | 2,519 |
| Loan and lease loss provision to assets | 0.0635% | 3,108 |
| Net operating income to assets | 0.9655% | 2,509 |
| Return on assets (ROA) | 0.9655% | 2,614 |
| Pretax return on assets | 1.6248% | 1,206 |
| Return on Equity (ROE) | 6.6912% | 3,647 |
| Retained earnings to average equity (ytd only) | 3.6097% | 3,354 |
| Net charge-offs to loans | 0.0452% | 3,136 |
| Credit loss provision to net charge-offs | 208.3333% | 1,364 |
| Earnings coverage of net charge-offs (x) | 55.3750% | 949 |
| Efficiency ratio | 63.5491% | 4,024 |
| Assets per employee ($millions) | 4.3206% | 3,408 |
| Cash dividends to net income (ytd only)* | 46.0526% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 2,893 |
| Loan loss allowance to noncurrent loans | 244.4043% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 2.4765% | 482 |
| Noncurrent loans to loans | 0.5062% | 3,327 |
| Net loans and leases to total assets | 65.8395% | 3,096 |
| Net loans and leases to deposits | 77.1467% | 3,194 |
| Net loans and leases to core deposits | 78.7829% | 3,499 |
| Total domestic deposits to total assets | 85.3433% | 2,904 |
| Equity capital to assets | 14.2243% | 819 |
| Core capital (leverage) ratio | 10.9630% | 2,379 |
| Tier 1 risk-based capital ratio | 14.4942% | 3,199 |
| Total risk-based capital ratio | 15.6471% | 3,172 |
| Memoranda: | ||
| Average total assets | $78,719,200 | 4,751 |
| Average earning assets | $69,089,600 | 4,823 |
| Average equity | $11,358,200 | 4,363 |
| Average total loans | $53,150,600 | 4,486 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8753% | 767 |
| Cost of funding earning assets | 0.2909% | 4,200 |
| Net interest margin | 4.5844% | 523 |
| Noninterest income to average assets | 0.6506% | 2,420 |
| Noninterest expense to average assets | 2.9551% | 2,443 |
| Loan and lease loss provision to assets | 0.0616% | 3,000 |
| Net operating income to assets | 0.9742% | 2,549 |
| Return on assets (ROA) | 0.9742% | 2,678 |
| Pretax return on assets | 1.6539% | 1,238 |
| Return on Equity (ROE) | 6.7265% | 3,710 |
| Retained earnings to average equity (ytd only) | 2.5889% | 4,361 |
| Net charge-offs to loans | 0.0607% | 2,486 |
| Credit loss provision to net charge-offs | 150.0000% | 1,767 |
| Earnings coverage of net charge-offs (x) | 41.7491% | 1,202 |
| Efficiency ratio | 63.2698% | 4,029 |
| Assets per employee ($millions) | 4.1383% | 3,715 |
| Cash dividends to net income (ytd only)* | 61.5119% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 3,054 |
| Loan loss allowance to noncurrent loans | 112.9472% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 2.9799% | 387 |
| Noncurrent loans to loans | 1.0908% | 2,077 |
| Net loans and leases to total assets | 67.6015% | 2,856 |
| Net loans and leases to deposits | 79.7076% | 3,003 |
| Net loans and leases to core deposits | 81.8242% | 3,296 |
| Total domestic deposits to total assets | 84.8118% | 2,887 |
| Equity capital to assets | 14.6069% | 839 |
| Core capital (leverage) ratio | 10.9819% | 2,466 |
| Tier 1 risk-based capital ratio | 14.4610% | 3,302 |
| Total risk-based capital ratio | 15.6135% | 3,293 |
| Memoranda: | ||
| Average total assets | $77,876,000 | 4,812 |
| Average earning assets | $68,288,500 | 4,880 |
| Average equity | $11,278,500 | 4,418 |
| Average total loans | $52,756,750 | 4,536 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8576% | 787 |
| Cost of funding earning assets | 0.2906% | 4,243 |
| Net interest margin | 4.5671% | 537 |
| Noninterest income to average assets | 0.5797% | 2,728 |
| Noninterest expense to average assets | 2.9964% | 2,359 |
| Loan and lease loss provision to assets | 0.0593% | 2,954 |
| Net operating income to assets | 0.9121% | 2,804 |
| Return on assets (ROA) | 0.9121% | 2,936 |
| Pretax return on assets | 1.5330% | 1,577 |
| Return on Equity (ROE) | 6.3160% | 3,896 |
| Retained earnings to average equity (ytd only) | 0.0714% | 5,270 |
| Net charge-offs to loans | 0.0649% | 2,270 |
| Credit loss provision to net charge-offs | 135.2941% | 1,725 |
| Earnings coverage of net charge-offs (x) | 36.3529% | 1,230 |
| Efficiency ratio | 65.3004% | 3,792 |
| Assets per employee ($millions) | 4.1272% | 3,693 |
| Cash dividends to net income (ytd only)* | 98.8701% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 3,049 |
| Loan loss allowance to noncurrent loans | 80.0244% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 3.2863% | 350 |
| Noncurrent loans to loans | 1.5673% | 1,372 |
| Net loans and leases to total assets | 65.9649% | 3,090 |
| Net loans and leases to deposits | 77.4472% | 3,214 |
| Net loans and leases to core deposits | 79.8071% | 3,475 |
| Total domestic deposits to total assets | 85.1739% | 2,791 |
| Equity capital to assets | 14.3721% | 910 |
| Core capital (leverage) ratio | 10.8502% | 2,593 |
| Tier 1 risk-based capital ratio | 14.4800% | 3,329 |
| Total risk-based capital ratio | 15.6539% | 3,302 |
| Memoranda: | ||
| Average total assets | $77,625,670 | 4,867 |
| Average earning assets | $68,140,000 | 4,933 |
| Average equity | $11,209,670 | 4,446 |
| Average total loans | $52,403,670 | 4,575 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9035% | 688 |
| Cost of funding earning assets | 0.2891% | 4,287 |
| Net interest margin | 4.6144% | 485 |
| Noninterest income to average assets | 0.5542% | 2,779 |
| Noninterest expense to average assets | 3.0195% | 2,335 |
| Loan and lease loss provision to assets | 0.0466% | 2,985 |
| Net operating income to assets | 0.9116% | 2,693 |
| Return on assets (ROA) | 0.9116% | 2,811 |
| Pretax return on assets | 1.5383% | 1,478 |
| Return on Equity (ROE) | 6.2972% | 3,832 |
| Retained earnings to average equity (ytd only) | -6.2257% | 5,677 |
| Net charge-offs to loans | 0.3434% | 649 |
| Credit loss provision to net charge-offs | 20.0000% | 2,294 |
| Earnings coverage of net charge-offs (x) | 6.8000% | 2,210 |
| Efficiency ratio | 65.5793% | 3,865 |
| Assets per employee ($millions) | 4.0625% | 3,839 |
| Cash dividends to net income (ytd only)* | 198.8636% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 3,625 |
| Loan loss allowance to noncurrent loans | 368.2635% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 2.5328% | 579 |
| Noncurrent loans to loans | 0.3194% | 4,285 |
| Net loans and leases to total assets | 66.9443% | 2,815 |
| Net loans and leases to deposits | 78.6571% | 2,927 |
| Net loans and leases to core deposits | 81.1015% | 3,222 |
| Total domestic deposits to total assets | 85.1091% | 3,086 |
| Equity capital to assets | 14.3714% | 864 |
| Core capital (leverage) ratio | 10.7921% | 2,631 |
| Tier 1 risk-based capital ratio | 14.2163% | 3,552 |
| Total risk-based capital ratio | 15.3192% | 3,577 |
| Memoranda: | ||
| Average total assets | $77,230,500 | 4,912 |
| Average earning assets | $67,788,500 | 4,984 |
| Average equity | $11,179,500 | 4,472 |
| Average total loans | $52,413,500 | 4,603 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7880% | 946 |
| Cost of funding earning assets | 0.3227% | 3,995 |
| Net interest margin | 4.4653% | 699 |
| Noninterest income to average assets | 0.5985% | 2,723 |
| Noninterest expense to average assets | 3.0888% | 2,274 |
| Loan and lease loss provision to assets | 0.0771% | 2,737 |
| Net operating income to assets | 0.7821% | 3,411 |
| Return on assets (ROA) | 0.7821% | 3,488 |
| Pretax return on assets | 1.3074% | 2,249 |
| Return on Equity (ROE) | 5.5458% | 4,262 |
| Retained earnings to average equity (ytd only) | 3.7245% | 3,398 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0497% | 3,390 |
| Assets per employee ($millions) | 4.2929% | 3,397 |
| Cash dividends to net income (ytd only)* | 32.8407% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 3,253 |
| Loan loss allowance to noncurrent loans | 538.0165% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 2.4899% | 624 |
| Noncurrent loans to loans | 0.2303% | 4,600 |
| Net loans and leases to total assets | 67.1489% | 2,841 |
| Net loans and leases to deposits | 78.9700% | 2,944 |
| Net loans and leases to core deposits | 81.4530% | 3,207 |
| Total domestic deposits to total assets | 85.0310% | 3,078 |
| Equity capital to assets | 14.5795% | 751 |
| Core capital (leverage) ratio | 10.7917% | 2,611 |
| Tier 1 risk-based capital ratio | 14.5156% | 3,441 |
| Total risk-based capital ratio | 15.6822% | 3,389 |
| Memoranda: | ||
| Average total assets | $77,863,000 | 4,915 |
| Average earning assets | $67,565,200 | 4,995 |
| Average equity | $10,981,200 | 4,484 |
| Average total loans | $52,211,400 | 4,605 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 926 |
| Cost of funding earning assets | 0.3377% | 3,891 |
| Net interest margin | 4.4646% | 709 |
| Noninterest income to average assets | 0.6409% | 2,525 |
| Noninterest expense to average assets | 3.2046% | 1,955 |
| Loan and lease loss provision to assets | 0.0769% | 2,651 |
| Net operating income to assets | 0.7298% | 3,766 |
| Return on assets (ROA) | 0.7298% | 3,873 |
| Pretax return on assets | 1.2237% | 2,715 |
| Return on Equity (ROE) | 5.2183% | 4,522 |
| Retained earnings to average equity (ytd only) | 2.7742% | 4,454 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1305% | 3,023 |
| Assets per employee ($millions) | 4.2907% | 3,331 |
| Cash dividends to net income (ytd only)* | 46.8383% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 3,406 |
| Loan loss allowance to noncurrent loans | 367.6301% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 2.7761% | 576 |
| Noncurrent loans to loans | 0.3385% | 4,401 |
| Net loans and leases to total assets | 65.3550% | 3,099 |
| Net loans and leases to deposits | 76.7657% | 3,224 |
| Net loans and leases to core deposits | 79.2262% | 3,487 |
| Total domestic deposits to total assets | 85.1357% | 2,955 |
| Equity capital to assets | 14.3516% | 899 |
| Core capital (leverage) ratio | 10.5316% | 3,007 |
| Tier 1 risk-based capital ratio | 14.5814% | 3,507 |
| Total risk-based capital ratio | 15.7526% | 3,484 |
| Memoranda: | ||
| Average total assets | $78,010,500 | 4,965 |
| Average earning assets | $67,522,500 | 5,056 |
| Average equity | $10,910,000 | 4,553 |
| Average total loans | $52,129,500 | 4,654 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7253% | 1,022 |
| Cost of funding earning assets | 0.3473% | 3,837 |
| Net interest margin | 4.3780% | 792 |
| Noninterest income to average assets | 0.6439% | 2,510 |
| Noninterest expense to average assets | 3.2196% | 1,923 |
| Loan and lease loss provision to assets | 0.0767% | 2,589 |
| Net operating income to assets | 0.6644% | 4,059 |
| Return on assets (ROA) | 0.6644% | 4,161 |
| Pretax return on assets | 1.1166% | 3,104 |
| Return on Equity (ROE) | 4.7917% | 4,705 |
| Retained earnings to average equity (ytd only) | 1.1058% | 5,127 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9589% | 2,850 |
| Assets per employee ($millions) | 4.1023% | 3,678 |
| Cash dividends to net income (ytd only)* | 76.9231% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 3,770 |
| Loan loss allowance to noncurrent loans | 376.3636% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 3.1138% | 516 |
| Noncurrent loans to loans | 0.3197% | 4,552 |
| Net loans and leases to total assets | 65.4200% | 3,065 |
| Net loans and leases to deposits | 76.4712% | 3,213 |
| Net loans and leases to core deposits | 79.6112% | 3,434 |
| Total domestic deposits to total assets | 85.5486% | 2,896 |
| Equity capital to assets | 14.0075% | 980 |
| Core capital (leverage) ratio | 10.3215% | 3,191 |
| Tier 1 risk-based capital ratio | 13.9776% | 3,947 |
| Total risk-based capital ratio | 15.0974% | 3,942 |
| Memoranda: | ||
| Average total assets | $78,270,000 | 5,013 |
| Average earning assets | $67,382,330 | 5,119 |
| Average equity | $10,852,000 | 4,592 |
| Average total loans | $52,469,000 | 4,689 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7525% | 940 |
| Cost of funding earning assets | 0.3743% | 3,599 |
| Net interest margin | 4.3782% | 770 |
| Noninterest income to average assets | 0.5712% | 2,824 |
| Noninterest expense to average assets | 3.2027% | 1,978 |
| Loan and lease loss provision to assets | 0.0765% | 2,423 |
| Net operating income to assets | 0.6222% | 4,186 |
| Return on assets (ROA) | 0.6222% | 4,282 |
| Pretax return on assets | 1.0506% | 3,299 |
| Return on Equity (ROE) | 4.5106% | 4,753 |
| Retained earnings to average equity (ytd only) | -2.8838% | 5,782 |
| Net charge-offs to loans | -0.0454% | 5,473 |
| Credit loss provision to net charge-offs | -250.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9694% | 2,824 |
| Assets per employee ($millions) | 4.0888% | 3,778 |
| Cash dividends to net income (ytd only)* | 163.9344% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 4,095 |
| Loan loss allowance to noncurrent loans | 24.9084% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 6.0023% | 172 |
| Noncurrent loans to loans | 4.7298% | 304 |
| Net loans and leases to total assets | 66.0793% | 2,751 |
| Net loans and leases to deposits | 77.0854% | 2,935 |
| Net loans and leases to core deposits | 80.6178% | 3,091 |
| Total domestic deposits to total assets | 85.7222% | 3,079 |
| Equity capital to assets | 13.8762% | 1,023 |
| Core capital (leverage) ratio | 10.1823% | 3,364 |
| Tier 1 risk-based capital ratio | 13.4730% | 4,336 |
| Total risk-based capital ratio | 14.5559% | 4,344 |
| Memoranda: | ||
| Average total assets | $78,433,000 | 5,058 |
| Average earning assets | $67,333,500 | 5,160 |
| Average equity | $10,819,000 | 4,635 |
| Average total loans | $52,897,500 | 4,703 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7389% | 1,221 |
| Cost of funding earning assets | 0.5234% | 2,459 |
| Net interest margin | 4.2155% | 1,256 |
| Noninterest income to average assets | 0.5684% | 3,063 |
| Noninterest expense to average assets | 2.9603% | 2,967 |
| Loan and lease loss provision to assets | 0.0363% | 3,859 |
| Net operating income to assets | 0.7014% | 3,887 |
| Return on assets (ROA) | 0.7014% | 4,005 |
| Pretax return on assets | 1.1948% | 2,675 |
| Return on Equity (ROE) | 5.4984% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.4984% | 2,261 |
| Net charge-offs to loans | 0.1809% | 2,218 |
| Credit loss provision to net charge-offs | 30.6122% | 3,826 |
| Earnings coverage of net charge-offs (x) | 10.3878% | 2,616 |
| Efficiency ratio | 70.6290% | 3,440 |
| Assets per employee ($millions) | 4.1673% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 4,551 |
| Loan loss allowance to noncurrent loans | 100.1695% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 3.5982% | 508 |
| Noncurrent loans to loans | 1.0957% | 2,638 |
| Net loans and leases to total assets | 67.2615% | 2,686 |
| Net loans and leases to deposits | 78.3860% | 2,927 |
| Net loans and leases to core deposits | 81.9049% | 3,123 |
| Total domestic deposits to total assets | 85.8081% | 2,942 |
| Equity capital to assets | 13.7132% | 1,067 |
| Core capital (leverage) ratio | 9.9792% | 3,594 |
| Tier 1 risk-based capital ratio | 13.3921% | 4,470 |
| Total risk-based capital ratio | 14.4210% | 4,537 |
| Memoranda: | ||
| Average total assets | $82,694,400 | 4,999 |
| Average earning assets | $71,071,400 | 5,100 |
| Average equity | $10,548,600 | 4,643 |
| Average total loans | $54,183,600 | 4,684 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 1,345 |
| Cost of funding earning assets | 0.5555% | 2,236 |
| Net interest margin | 4.1291% | 1,490 |
| Noninterest income to average assets | 0.5664% | 3,090 |
| Noninterest expense to average assets | 2.9626% | 2,925 |
| Loan and lease loss provision to assets | 0.0239% | 3,927 |
| Net operating income to assets | 0.6780% | 4,058 |
| Return on assets (ROA) | 0.6780% | 4,146 |
| Pretax return on assets | 1.1375% | 3,041 |
| Return on Equity (ROE) | 5.4115% | 4,527 |
| Retained earnings to average equity (ytd only) | 5.4115% | 2,820 |
| Net charge-offs to loans | 0.2432% | 1,579 |
| Credit loss provision to net charge-offs | 15.1515% | 3,634 |
| Earnings coverage of net charge-offs (x) | 7.3533% | 2,935 |
| Efficiency ratio | 71.8375% | 3,209 |
| Assets per employee ($millions) | 4.2214% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 4,965 |
| Loan loss allowance to noncurrent loans | 108.8847% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 3.4760% | 623 |
| Noncurrent loans to loans | 0.9691% | 3,141 |
| Net loans and leases to total assets | 67.3358% | 2,639 |
| Net loans and leases to deposits | 78.2396% | 2,923 |
| Net loans and leases to core deposits | 81.7349% | 3,122 |
| Total domestic deposits to total assets | 86.0636% | 2,814 |
| Equity capital to assets | 13.3442% | 1,258 |
| Core capital (leverage) ratio | 9.6319% | 4,185 |
| Tier 1 risk-based capital ratio | 12.9528% | 4,892 |
| Total risk-based capital ratio | 13.9427% | 4,955 |
| Memoranda: | ||
| Average total assets | $83,573,250 | 5,027 |
| Average earning assets | $72,007,500 | 5,142 |
| Average equity | $10,471,250 | 4,695 |
| Average total loans | $54,267,500 | 4,721 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5397% | 1,694 |
| Cost of funding earning assets | 0.6060% | 1,858 |
| Net interest margin | 3.9337% | 2,031 |
| Noninterest income to average assets | 0.5290% | 3,277 |
| Noninterest expense to average assets | 2.9872% | 2,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5620% | 4,535 |
| Return on assets (ROA) | 0.5620% | 4,640 |
| Pretax return on assets | 0.9446% | 3,702 |
| Return on Equity (ROE) | 4.5796% | 4,877 |
| Retained earnings to average equity (ytd only) | 4.5796% | 3,251 |
| Net charge-offs to loans | 0.4283% | 955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.4483% | 3,303 |
| Efficiency ratio | 75.9760% | 2,638 |
| Assets per employee ($millions) | 4.3683% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 5,454 |
| Loan loss allowance to noncurrent loans | 85.3774% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 3.1387% | 803 |
| Noncurrent loans to loans | 1.1431% | 2,944 |
| Net loans and leases to total assets | 66.3831% | 2,698 |
| Net loans and leases to deposits | 76.3949% | 3,005 |
| Net loans and leases to core deposits | 79.9570% | 3,219 |
| Total domestic deposits to total assets | 86.8947% | 2,517 |
| Equity capital to assets | 12.6703% | 1,554 |
| Core capital (leverage) ratio | 9.1697% | 4,787 |
| Tier 1 risk-based capital ratio | 12.5482% | 5,197 |
| Total risk-based capital ratio | 13.4753% | 5,320 |
| Memoranda: | ||
| Average total assets | $84,695,330 | 5,045 |
| Average earning assets | $73,264,670 | 5,154 |
| Average equity | $10,394,000 | 4,727 |
| Average total loans | $54,162,000 | 4,742 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 2,108 |
| Cost of funding earning assets | 0.7004% | 1,248 |
| Net interest margin | 3.7082% | 2,831 |
| Noninterest income to average assets | 0.5705% | 2,914 |
| Noninterest expense to average assets | 2.8944% | 3,237 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5144% | 4,616 |
| Return on assets (ROA) | 0.5144% | 4,691 |
| Pretax return on assets | 0.8697% | 3,830 |
| Return on Equity (ROE) | 4.2582% | 4,903 |
| Retained earnings to average equity (ytd only) | 4.2582% | 3,572 |
| Net charge-offs to loans | 0.0449% | 2,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,026 |
| Efficiency ratio | 76.8944% | 2,661 |
| Assets per employee ($millions) | 4.5089% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 4,438 |
| Loan loss allowance to noncurrent loans | 88.2432% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 4.3131% | 524 |
| Noncurrent loans to loans | 1.4050% | 2,679 |
| Net loans and leases to total assets | 60.7186% | 3,440 |
| Net loans and leases to deposits | 69.4848% | 3,663 |
| Net loans and leases to core deposits | 73.0740% | 3,755 |
| Total domestic deposits to total assets | 87.3840% | 2,577 |
| Equity capital to assets | 12.1257% | 1,784 |
| Core capital (leverage) ratio | 8.8391% | 5,210 |
| Tier 1 risk-based capital ratio | 12.6245% | 5,240 |
| Total risk-based capital ratio | 13.7660% | 5,242 |
| Memoranda: | ||
| Average total assets | $85,544,500 | 5,076 |
| Average earning assets | $73,674,500 | 5,186 |
| Average equity | $10,333,000 | 4,759 |
| Average total loans | $53,423,500 | 4,809 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1374% | 726 |
| Cost of funding earning assets | 1.0227% | 400 |
| Net interest margin | 4.1147% | 1,607 |
| Noninterest income to average assets | 0.1534% | 6,172 |
| Noninterest expense to average assets | 2.8605% | 3,493 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4769% | 4,829 |
| Return on assets (ROA) | 0.4769% | 4,976 |
| Pretax return on assets | 0.7981% | 4,150 |
| Return on Equity (ROE) | 3.9288% | 5,147 |
| Retained earnings to average equity (ytd only) | 3.9288% | 3,412 |
| Net charge-offs to loans | 0.8651% | 712 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.3537% | 4,610 |
| Efficiency ratio | 78.1854% | 2,443 |
| Assets per employee ($millions) | 4.4958% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 4,564 |
| Loan loss allowance to noncurrent loans | 69.8093% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 4.5645% | 543 |
| Noncurrent loans to loans | 1.7424% | 2,309 |
| Net loans and leases to total assets | 62.6528% | 3,260 |
| Net loans and leases to deposits | 71.5969% | 3,579 |
| Net loans and leases to core deposits | 75.2969% | 3,697 |
| Total domestic deposits to total assets | 87.5076% | 2,471 |
| Equity capital to assets | 12.0323% | 1,779 |
| Core capital (leverage) ratio | 8.6211% | 5,518 |
| Tier 1 risk-based capital ratio | 11.8739% | 5,694 |
| Total risk-based capital ratio | 12.9742% | 5,724 |
| Memoranda: | ||
| Average total assets | $83,447,000 | 5,149 |
| Average earning assets | $71,086,400 | 5,280 |
| Average equity | $10,130,200 | 4,813 |
| Average total loans | $56,872,200 | 4,716 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2526% | 582 |
| Cost of funding earning assets | 1.0418% | 401 |
| Net interest margin | 4.2108% | 1,298 |
| Noninterest income to average assets | 0.4999% | 3,806 |
| Noninterest expense to average assets | 2.9365% | 3,181 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6815% | 3,945 |
| Return on assets (ROA) | 0.6815% | 4,088 |
| Pretax return on assets | 1.1428% | 2,934 |
| Return on Equity (ROE) | 5.6010% | 4,414 |
| Retained earnings to average equity (ytd only) | 5.6010% | 2,661 |
| Net charge-offs to loans | 0.1761% | 2,813 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 9.3554% | 2,492 |
| Efficiency ratio | 71.9858% | 3,406 |
| Assets per employee ($millions) | 4.5166% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9319% | 1,907 |
| Loan loss allowance to noncurrent loans | 73.9340% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 5.4734% | 483 |
| Noncurrent loans to loans | 2.6130% | 1,625 |
| Net loans and leases to total assets | 63.5903% | 3,059 |
| Net loans and leases to deposits | 72.6592% | 3,437 |
| Net loans and leases to core deposits | 76.6723% | 3,541 |
| Total domestic deposits to total assets | 87.5185% | 2,404 |
| Equity capital to assets | 12.0072% | 1,912 |
| Core capital (leverage) ratio | 8.8215% | 5,382 |
| Tier 1 risk-based capital ratio | 11.5550% | 6,030 |
| Total risk-based capital ratio | 12.8112% | 5,995 |
| Memoranda: | ||
| Average total assets | $82,953,750 | 5,217 |
| Average earning assets | $70,515,250 | 5,351 |
| Average equity | $10,093,250 | 4,873 |
| Average total loans | $57,546,000 | 4,745 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3933% | 454 |
| Cost of funding earning assets | 1.0402% | 450 |
| Net interest margin | 4.3531% | 930 |
| Noninterest income to average assets | 0.4659% | 4,051 |
| Noninterest expense to average assets | 3.0293% | 2,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6732% | 3,939 |
| Return on assets (ROA) | 0.6732% | 4,103 |
| Pretax return on assets | 1.1317% | 2,966 |
| Return on Equity (ROE) | 5.5073% | 4,456 |
| Retained earnings to average equity (ytd only) | 5.5073% | 2,737 |
| Net charge-offs to loans | 0.2544% | 2,198 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.2703% | 2,746 |
| Efficiency ratio | 72.8019% | 3,340 |
| Assets per employee ($millions) | 4.3686% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8873% | 2,144 |
| Loan loss allowance to noncurrent loans | 102.5714% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 5.1384% | 590 |
| Noncurrent loans to loans | 1.8400% | 2,579 |
| Net loans and leases to total assets | 67.4530% | 2,346 |
| Net loans and leases to deposits | 77.1993% | 2,696 |
| Net loans and leases to core deposits | 81.6187% | 2,839 |
| Total domestic deposits to total assets | 87.3752% | 2,604 |
| Equity capital to assets | 12.2357% | 1,752 |
| Core capital (leverage) ratio | 8.8614% | 5,209 |
| Tier 1 risk-based capital ratio | 11.1169% | 6,286 |
| Total risk-based capital ratio | 12.3734% | 6,257 |
| Memoranda: | ||
| Average total assets | $82,000,000 | 5,274 |
| Average earning assets | $69,605,000 | 5,405 |
| Average equity | $10,023,000 | 4,928 |
| Average total loans | $58,179,670 | 4,739 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4977% | 369 |
| Cost of funding earning assets | 1.0196% | 552 |
| Net interest margin | 4.4781% | 702 |
| Noninterest income to average assets | 0.6528% | 2,861 |
| Noninterest expense to average assets | 3.1804% | 2,415 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7509% | 3,430 |
| Return on assets (ROA) | 0.7509% | 3,567 |
| Pretax return on assets | 1.2663% | 2,351 |
| Return on Equity (ROE) | 6.1467% | 3,966 |
| Retained earnings to average equity (ytd only) | 6.1467% | 2,602 |
| Net charge-offs to loans | 0.6810% | 902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.5800% | 2,998 |
| Efficiency ratio | 71.5232% | 3,705 |
| Assets per employee ($millions) | 4.3306% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8193% | 2,553 |
| Loan loss allowance to noncurrent loans | 143.9726% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 5.1190% | 702 |
| Noncurrent loans to loans | 1.2637% | 3,668 |
| Net loans and leases to total assets | 68.9309% | 1,854 |
| Net loans and leases to deposits | 78.8163% | 2,239 |
| Net loans and leases to core deposits | 83.0191% | 2,453 |
| Total domestic deposits to total assets | 87.4576% | 2,656 |
| Equity capital to assets | 12.1936% | 1,913 |
| Core capital (leverage) ratio | 8.7733% | 5,228 |
| Tier 1 risk-based capital ratio | 10.7573% | 6,503 |
| Total risk-based capital ratio | 12.0120% | 6,468 |
| Memoranda: | ||
| Average total assets | $81,498,500 | 5,329 |
| Average earning assets | $69,047,500 | 5,462 |
| Average equity | $9,956,500 | 4,993 |
| Average total loans | $58,737,000 | 4,747 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4469% | 691 |
| Cost of funding earning assets | 1.3930% | 259 |
| Net interest margin | 4.0539% | 2,176 |
| Noninterest income to average assets | 0.3586% | 4,915 |
| Noninterest expense to average assets | 2.8709% | 3,760 |
| Loan and lease loss provision to assets | 0.6983% | 739 |
| Net operating income to assets | 0.1333% | 5,934 |
| Return on assets (ROA) | 0.1333% | 6,086 |
| Pretax return on assets | 0.2666% | 5,888 |
| Return on Equity (ROE) | 1.1559% | 6,100 |
| Retained earnings to average equity (ytd only) | -2.1583% | 6,180 |
| Net charge-offs to loans | 0.1943% | 3,822 |
| Credit loss provision to net charge-offs | 489.2562% | 498 |
| Earnings coverage of net charge-offs (x) | 6.7603% | 2,744 |
| Efficiency ratio | 74.8462% | 2,927 |
| Assets per employee ($millions) | 4.2482% | 3,465 |
| Cash dividends to net income (ytd only)* | 286.7257% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9278% | 2,201 |
| Loan loss allowance to noncurrent loans | 62.0820% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 5.6346% | 654 |
| Noncurrent loans to loans | 3.1052% | 1,666 |
| Net loans and leases to total assets | 72.5445% | 1,416 |
| Net loans and leases to deposits | 82.8827% | 1,894 |
| Net loans and leases to core deposits | 86.6442% | 2,240 |
| Total domestic deposits to total assets | 87.5266% | 2,513 |
| Equity capital to assets | 12.2404% | 1,896 |
| Core capital (leverage) ratio | 8.4148% | 5,735 |
| Tier 1 risk-based capital ratio | 10.4159% | 6,581 |
| Total risk-based capital ratio | 11.6275% | 6,563 |
| Memoranda: | ||
| Average total assets | $84,782,200 | 5,228 |
| Average earning assets | $72,720,000 | 5,347 |
| Average equity | $9,776,200 | 5,033 |
| Average total loans | $62,283,200 | 4,621 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4047% | 832 |
| Cost of funding earning assets | 1.4791% | 225 |
| Net interest margin | 3.9256% | 2,818 |
| Noninterest income to average assets | 0.2642% | 5,666 |
| Noninterest expense to average assets | 2.9106% | 3,551 |
| Loan and lease loss provision to assets | 0.8733% | 517 |
| Net operating income to assets | -0.1150% | 6,417 |
| Return on assets (ROA) | -0.1150% | 6,506 |
| Pretax return on assets | -0.1336% | 6,503 |
| Return on Equity (ROE) | -1.0119% | 6,505 |
| Retained earnings to average equity (ytd only) | -5.4424% | 6,641 |
| Net charge-offs to loans | 0.4513% | 2,299 |
| Credit loss provision to net charge-offs | 263.8498% | 1,047 |
| Earnings coverage of net charge-offs (x) | 2.2348% | 4,146 |
| Efficiency ratio | 79.7361% | 2,134 |
| Assets per employee ($millions) | 4.4514% | 2,996 |
| Cash dividends to net income (ytd only)* | -437.8573% | 7,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6023% | 3,507 |
| Loan loss allowance to noncurrent loans | 36.4668% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 5.9508% | 675 |
| Noncurrent loans to loans | 4.3939% | 1,090 |
| Net loans and leases to total assets | 74.6409% | 1,156 |
| Net loans and leases to deposits | 84.7108% | 1,776 |
| Net loans and leases to core deposits | 90.4000% | 1,935 |
| Total domestic deposits to total assets | 88.1126% | 1,975 |
| Equity capital to assets | 11.4606% | 2,790 |
| Core capital (leverage) ratio | 8.0590% | 6,279 |
| Tier 1 risk-based capital ratio | 9.6814% | 6,872 |
| Total risk-based capital ratio | 10.9348% | 6,858 |
| Memoranda: | ||
| Average total assets | $85,798,750 | 5,249 |
| Average earning assets | $74,007,500 | 5,369 |
| Average equity | $9,750,250 | 5,090 |
| Average total loans | $62,927,500 | 4,642 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5765% | 607 |
| Cost of funding earning assets | 1.4828% | 254 |
| Net interest margin | 4.0937% | 2,122 |
| Noninterest income to average assets | 0.0835% | 6,744 |
| Noninterest expense to average assets | 2.8026% | 4,014 |
| Loan and lease loss provision to assets | 1.0371% | 420 |
| Net operating income to assets | -0.1879% | 6,528 |
| Return on assets (ROA) | -0.1879% | 6,608 |
| Pretax return on assets | -0.2204% | 6,598 |
| Return on Equity (ROE) | -1.6583% | 6,595 |
| Retained earnings to average equity (ytd only) | -8.2913% | 6,782 |
| Net charge-offs to loans | 0.5566% | 1,920 |
| Credit loss provision to net charge-offs | 256.8966% | 1,117 |
| Earnings coverage of net charge-offs (x) | 2.0230% | 3,979 |
| Efficiency ratio | 77.4359% | 2,531 |
| Assets per employee ($millions) | 4.4036% | 3,084 |
| Cash dividends to net income (ytd only)* | -400.0000% | 7,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 4,013 |
| Loan loss allowance to noncurrent loans | 42.2242% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 4.5669% | 1,077 |
| Noncurrent loans to loans | 3.5504% | 1,616 |
| Net loans and leases to total assets | 74.8410% | 1,125 |
| Net loans and leases to deposits | 85.0511% | 1,716 |
| Net loans and leases to core deposits | 91.1908% | 1,847 |
| Total domestic deposits to total assets | 87.9954% | 2,149 |
| Equity capital to assets | 11.5803% | 2,510 |
| Core capital (leverage) ratio | 7.9242% | 6,344 |
| Tier 1 risk-based capital ratio | 9.6221% | 6,903 |
| Total risk-based capital ratio | 10.8735% | 6,897 |
| Memoranda: | ||
| Average total assets | $86,206,000 | 5,272 |
| Average earning assets | $74,455,670 | 5,384 |
| Average equity | $9,769,330 | 5,083 |
| Average total loans | $62,517,670 | 4,693 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5663% | 673 |
| Cost of funding earning assets | 1.5055% | 279 |
| Net interest margin | 4.0607% | 2,255 |
| Noninterest income to average assets | -0.1738% | 7,191 |
| Noninterest expense to average assets | 2.8442% | 3,849 |
| Loan and lease loss provision to assets | 1.6325% | 205 |
| Net operating income to assets | -1.1569% | 7,030 |
| Return on assets (ROA) | -1.1569% | 7,044 |
| Pretax return on assets | -1.1478% | 7,010 |
| Return on Equity (ROE) | -10.3165% | 6,994 |
| Retained earnings to average equity (ytd only) | -23.5282% | 7,082 |
| Net charge-offs to loans | -0.0129% | 6,028 |
| Credit loss provision to net charge-offs | -17,850.0000% | 6,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4396% | 1,532 |
| Assets per employee ($millions) | 4.6106% | 2,788 |
| Cash dividends to net income (ytd only)* | -128.0632% | 7,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6709% | 3,460 |
| Loan loss allowance to noncurrent loans | 77.9445% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 3.6278% | 1,566 |
| Noncurrent loans to loans | 2.1437% | 2,977 |
| Net loans and leases to total assets | 69.7975% | 1,787 |
| Net loans and leases to deposits | 82.0879% | 1,928 |
| Net loans and leases to core deposits | 87.6026% | 2,100 |
| Total domestic deposits to total assets | 85.0277% | 4,022 |
| Equity capital to assets | 10.8650% | 3,068 |
| Core capital (leverage) ratio | 7.5630% | 6,590 |
| Tier 1 risk-based capital ratio | 9.5403% | 6,961 |
| Total risk-based capital ratio | 10.7940% | 6,954 |
| Memoranda: | ||
| Average total assets | $87,475,000 | 5,278 |
| Average earning assets | $75,454,500 | 5,383 |
| Average equity | $9,809,500 | 5,086 |
| Average total loans | $61,991,000 | 4,735 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7575% | 695 |
| Cost of funding earning assets | 1.6040% | 472 |
| Net interest margin | 4.1535% | 2,220 |
| Noninterest income to average assets | 0.3796% | 4,791 |
| Noninterest expense to average assets | 2.8701% | 4,081 |
| Loan and lease loss provision to assets | 0.8215% | 1,187 |
| Net operating income to assets | 0.2799% | 5,329 |
| Return on assets (ROA) | 0.2799% | 5,486 |
| Pretax return on assets | 0.2821% | 5,606 |
| Return on Equity (ROE) | 2.3755% | 5,520 |
| Retained earnings to average equity (ytd only) | -3.2891% | 6,313 |
| Net charge-offs to loans | 0.9491% | 1,829 |
| Credit loss provision to net charge-offs | 116.7472% | 2,767 |
| Earnings coverage of net charge-offs (x) | 1.5684% | 4,597 |
| Efficiency ratio | 72.2270% | 3,523 |
| Assets per employee ($millions) | 4.5973% | 2,761 |
| Cash dividends to net income (ytd only)* | 238.4615% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 5,810 |
| Loan loss allowance to noncurrent loans | 40.0707% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 4.2245% | 1,333 |
| Noncurrent loans to loans | 2.7460% | 2,375 |
| Net loans and leases to total assets | 69.9718% | 2,034 |
| Net loans and leases to deposits | 83.1302% | 2,051 |
| Net loans and leases to core deposits | 88.7790% | 2,282 |
| Total domestic deposits to total assets | 84.1714% | 4,246 |
| Equity capital to assets | 11.5641% | 2,457 |
| Core capital (leverage) ratio | 8.1320% | 6,099 |
| Tier 1 risk-based capital ratio | 10.4090% | 6,723 |
| Total risk-based capital ratio | 11.4311% | 6,788 |
| Memoranda: | ||
| Average total assets | $88,253,600 | 5,229 |
| Average earning assets | $76,369,400 | 5,332 |
| Average equity | $10,398,000 | 4,924 |
| Average total loans | $65,431,600 | 4,654 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8666% | 601 |
| Cost of funding earning assets | 1.6548% | 463 |
| Net interest margin | 4.2119% | 2,050 |
| Noninterest income to average assets | 0.7339% | 2,395 |
| Noninterest expense to average assets | 2.9354% | 3,793 |
| Loan and lease loss provision to assets | 0.3285% | 2,912 |
| Net operating income to assets | 1.1106% | 1,929 |
| Return on assets (ROA) | 1.1106% | 2,069 |
| Pretax return on assets | 1.1136% | 2,956 |
| Return on Equity (ROE) | 9.3833% | 2,433 |
| Retained earnings to average equity (ytd only) | 2.9283% | 4,597 |
| Net charge-offs to loans | 0.2673% | 3,766 |
| Credit loss provision to net charge-offs | 163.9098% | 1,862 |
| Earnings coverage of net charge-offs (x) | 7.1955% | 2,403 |
| Efficiency ratio | 67.0568% | 4,509 |
| Assets per employee ($millions) | 4.7041% | 2,617 |
| Cash dividends to net income (ytd only)* | 68.7922% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 6,162 |
| Loan loss allowance to noncurrent loans | 23.3099% | 6,565 |
| Noncurrent assets plus other real estate owned to assets | 5.7274% | 955 |
| Noncurrent loans to loans | 4.3810% | 1,487 |
| Net loans and leases to total assets | 71.7895% | 1,760 |
| Net loans and leases to deposits | 85.8772% | 1,700 |
| Net loans and leases to core deposits | 92.6596% | 1,919 |
| Total domestic deposits to total assets | 83.5955% | 4,435 |
| Equity capital to assets | 11.9481% | 2,294 |
| Core capital (leverage) ratio | 8.7480% | 5,342 |
| Tier 1 risk-based capital ratio | 10.7798% | 6,675 |
| Total risk-based capital ratio | 11.7316% | 6,770 |
| Memoranda: | ||
| Average total assets | $88,480,000 | 5,259 |
| Average earning assets | $76,544,000 | 5,365 |
| Average equity | $10,472,250 | 4,925 |
| Average total loans | $66,339,750 | 4,659 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8799% | 606 |
| Cost of funding earning assets | 1.6586% | 555 |
| Net interest margin | 4.2212% | 1,950 |
| Noninterest income to average assets | 0.6464% | 2,874 |
| Noninterest expense to average assets | 2.9893% | 3,685 |
| Loan and lease loss provision to assets | 0.3085% | 2,947 |
| Net operating income to assets | 0.9980% | 2,236 |
| Return on assets (ROA) | 0.9980% | 2,344 |
| Pretax return on assets | 1.0025% | 3,229 |
| Return on Equity (ROE) | 8.4588% | 2,733 |
| Retained earnings to average equity (ytd only) | -0.7305% | 6,003 |
| Net charge-offs to loans | 0.1316% | 4,423 |
| Credit loss provision to net charge-offs | 309.0909% | 982 |
| Earnings coverage of net charge-offs (x) | 13.1364% | 1,575 |
| Efficiency ratio | 69.5148% | 4,202 |
| Assets per employee ($millions) | 4.4323% | 2,951 |
| Cash dividends to net income (ytd only)* | 108.6364% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 6,331 |
| Loan loss allowance to noncurrent loans | 31.8420% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 4.7808% | 1,299 |
| Noncurrent loans to loans | 3.1430% | 2,289 |
| Net loans and leases to total assets | 74.6554% | 1,292 |
| Net loans and leases to deposits | 89.0101% | 1,374 |
| Net loans and leases to core deposits | 96.0620% | 1,678 |
| Total domestic deposits to total assets | 83.8729% | 4,405 |
| Equity capital to assets | 11.7490% | 2,286 |
| Core capital (leverage) ratio | 8.6031% | 5,401 |
| Tier 1 risk-based capital ratio | 10.1198% | 6,944 |
| Total risk-based capital ratio | 11.0565% | 7,031 |
| Memoranda: | ||
| Average total assets | $88,180,670 | 5,308 |
| Average earning assets | $76,328,330 | 5,425 |
| Average equity | $10,403,330 | 4,950 |
| Average total loans | $66,844,330 | 4,690 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8751% | 631 |
| Cost of funding earning assets | 1.6696% | 632 |
| Net interest margin | 4.2055% | 1,877 |
| Noninterest income to average assets | 0.6504% | 2,847 |
| Noninterest expense to average assets | 3.0473% | 3,460 |
| Loan and lease loss provision to assets | 0.2501% | 3,155 |
| Net operating income to assets | 0.9869% | 2,223 |
| Return on assets (ROA) | 0.9869% | 2,281 |
| Pretax return on assets | 0.9960% | 3,142 |
| Return on Equity (ROE) | 8.3482% | 2,758 |
| Retained earnings to average equity (ytd only) | -4.3087% | 6,457 |
| Net charge-offs to loans | 0.1257% | 3,767 |
| Credit loss provision to net charge-offs | 261.9048% | 1,200 |
| Earnings coverage of net charge-offs (x) | 13.0476% | 1,461 |
| Efficiency ratio | 70.9746% | 4,062 |
| Assets per employee ($millions) | 4.2825% | 3,274 |
| Cash dividends to net income (ytd only)* | 151.6129% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 6,665 |
| Loan loss allowance to noncurrent loans | 26.2027% | 6,503 |
| Noncurrent assets plus other real estate owned to assets | 5.0357% | 1,248 |
| Noncurrent loans to loans | 3.4820% | 2,139 |
| Net loans and leases to total assets | 77.3482% | 821 |
| Net loans and leases to deposits | 92.6740% | 960 |
| Net loans and leases to core deposits | 100.8280% | 1,273 |
| Total domestic deposits to total assets | 83.4627% | 4,711 |
| Equity capital to assets | 12.0725% | 1,877 |
| Core capital (leverage) ratio | 8.6817% | 5,116 |
| Tier 1 risk-based capital ratio | 9.8915% | 7,042 |
| Total risk-based capital ratio | 10.7348% | 7,153 |
| Memoranda: | ||
| Average total assets | $87,948,000 | 5,356 |
| Average earning assets | $76,186,000 | 5,469 |
| Average equity | $10,397,500 | 4,941 |
| Average total loans | $66,842,500 | 4,740 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2284% | 532 |
| Cost of funding earning assets | 1.9930% | 624 |
| Net interest margin | 4.2354% | 2,043 |
| Noninterest income to average assets | 0.8526% | 2,048 |
| Noninterest expense to average assets | 3.1050% | 3,437 |
| Loan and lease loss provision to assets | 0.6785% | 2,429 |
| Net operating income to assets | 0.7259% | 3,120 |
| Return on assets (ROA) | 0.7259% | 3,248 |
| Pretax return on assets | 0.7283% | 3,878 |
| Return on Equity (ROE) | 6.0071% | 3,605 |
| Retained earnings to average equity (ytd only) | 0.9506% | 5,080 |
| Net charge-offs to loans | 0.9310% | 2,322 |
| Credit loss provision to net charge-offs | 92.1222% | 5,038 |
| Earnings coverage of net charge-offs (x) | 1.9100% | 4,294 |
| Efficiency ratio | 68.8189% | 4,399 |
| Assets per employee ($millions) | 4.5124% | 2,844 |
| Cash dividends to net income (ytd only)* | 84.1762% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8619% | 6,817 |
| Loan loss allowance to noncurrent loans | 25.5546% | 6,569 |
| Noncurrent assets plus other real estate owned to assets | 4.6971% | 1,401 |
| Noncurrent loans to loans | 3.3729% | 2,253 |
| Net loans and leases to total assets | 73.4108% | 1,788 |
| Net loans and leases to deposits | 91.0542% | 1,391 |
| Net loans and leases to core deposits | 100.8724% | 1,546 |
| Total domestic deposits to total assets | 80.6232% | 5,652 |
| Equity capital to assets | 11.5849% | 2,193 |
| Core capital (leverage) ratio | 8.5013% | 5,364 |
| Tier 1 risk-based capital ratio | 10.2624% | 6,842 |
| Total risk-based capital ratio | 11.0758% | 7,038 |
| Memoranda: | ||
| Average total assets | $84,445,200 | 5,459 |
| Average earning assets | $72,956,600 | 5,570 |
| Average equity | $10,204,600 | 5,076 |
| Average total loans | $66,811,200 | 4,797 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2194% | 593 |
| Cost of funding earning assets | 2.0514% | 634 |
| Net interest margin | 4.1680% | 2,341 |
| Noninterest income to average assets | 0.7888% | 2,294 |
| Noninterest expense to average assets | 3.0025% | 3,734 |
| Loan and lease loss provision to assets | 0.8161% | 1,853 |
| Net operating income to assets | 0.5639% | 4,038 |
| Return on assets (ROA) | 0.5639% | 4,199 |
| Pretax return on assets | 0.5671% | 4,701 |
| Return on Equity (ROE) | 4.6144% | 4,494 |
| Retained earnings to average equity (ytd only) | -1.8799% | 6,176 |
| Net charge-offs to loans | 0.6746% | 2,741 |
| Credit loss provision to net charge-offs | 150.2959% | 2,592 |
| Earnings coverage of net charge-offs (x) | 2.5473% | 3,886 |
| Efficiency ratio | 68.4615% | 4,380 |
| Assets per employee ($millions) | 4.3490% | 3,173 |
| Cash dividends to net income (ytd only)* | 140.7402% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 5,652 |
| Loan loss allowance to noncurrent loans | 17.7060% | 6,985 |
| Noncurrent assets plus other real estate owned to assets | 6.6027% | 855 |
| Noncurrent loans to loans | 6.5711% | 901 |
| Net loans and leases to total assets | 77.6431% | 1,103 |
| Net loans and leases to deposits | 97.1614% | 870 |
| Net loans and leases to core deposits | 109.0753% | 1,091 |
| Total domestic deposits to total assets | 79.9115% | 5,735 |
| Equity capital to assets | 11.7510% | 2,321 |
| Core capital (leverage) ratio | 8.4149% | 5,677 |
| Tier 1 risk-based capital ratio | 9.8189% | 7,152 |
| Total risk-based capital ratio | 10.9299% | 7,188 |
| Memoranda: | ||
| Average total assets | $82,994,750 | 5,564 |
| Average earning assets | $71,623,250 | 5,679 |
| Average equity | $10,142,000 | 5,150 |
| Average total loans | $66,807,250 | 4,875 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3439% | 471 |
| Cost of funding earning assets | 2.0881% | 688 |
| Net interest margin | 4.2558% | 1,940 |
| Noninterest income to average assets | 0.7788% | 2,242 |
| Noninterest expense to average assets | 3.0123% | 3,669 |
| Loan and lease loss provision to assets | 1.2441% | 1,122 |
| Net operating income to assets | 0.1812% | 5,628 |
| Return on assets (ROA) | 0.1812% | 5,747 |
| Pretax return on assets | 0.1861% | 5,800 |
| Return on Equity (ROE) | 1.4631% | 5,811 |
| Retained earnings to average equity (ytd only) | -7.8690% | 6,802 |
| Net charge-offs to loans | 0.7632% | 2,332 |
| Credit loss provision to net charge-offs | 200.7905% | 1,951 |
| Earnings coverage of net charge-offs (x) | 2.3083% | 3,842 |
| Efficiency ratio | 67.8060% | 4,618 |
| Assets per employee ($millions) | 4.2120% | 3,359 |
| Cash dividends to net income (ytd only)* | 637.8378% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 4,754 |
| Loan loss allowance to noncurrent loans | 19.8422% | 6,950 |
| Noncurrent assets plus other real estate owned to assets | 7.0632% | 749 |
| Noncurrent loans to loans | 6.7229% | 869 |
| Net loans and leases to total assets | 77.2661% | 1,239 |
| Net loans and leases to deposits | 97.0131% | 956 |
| Net loans and leases to core deposits | 105.6725% | 1,480 |
| Total domestic deposits to total assets | 79.6451% | 5,839 |
| Equity capital to assets | 11.8269% | 2,199 |
| Core capital (leverage) ratio | 8.2633% | 5,837 |
| Tier 1 risk-based capital ratio | 9.6314% | 7,207 |
| Total risk-based capital ratio | 10.8828% | 7,209 |
| Memoranda: | ||
| Average total assets | $81,666,330 | 5,642 |
| Average earning assets | $70,304,000 | 5,760 |
| Average equity | $10,115,670 | 5,167 |
| Average total loans | $66,300,000 | 4,931 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3884% | 446 |
| Cost of funding earning assets | 2.0582% | 918 |
| Net interest margin | 4.3302% | 1,595 |
| Noninterest income to average assets | 0.6171% | 3,157 |
| Noninterest expense to average assets | 3.0456% | 3,496 |
| Loan and lease loss provision to assets | 0.4976% | 2,514 |
| Net operating income to assets | 0.7912% | 3,008 |
| Return on assets (ROA) | 0.7912% | 3,119 |
| Pretax return on assets | 0.8012% | 3,856 |
| Return on Equity (ROE) | 6.2402% | 3,751 |
| Retained earnings to average equity (ytd only) | -11.4207% | 7,041 |
| Net charge-offs to loans | 1.5286% | 1,138 |
| Credit loss provision to net charge-offs | 39.3701% | 4,654 |
| Earnings coverage of net charge-offs (x) | 1.0276% | 4,155 |
| Efficiency ratio | 70.1031% | 4,280 |
| Assets per employee ($millions) | 4.1456% | 3,571 |
| Cash dividends to net income (ytd only)* | 283.0189% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7022% | 7,331 |
| Loan loss allowance to noncurrent loans | 12.6172% | 7,277 |
| Noncurrent assets plus other real estate owned to assets | 6.3296% | 917 |
| Noncurrent loans to loans | 5.5654% | 1,247 |
| Net loans and leases to total assets | 80.3310% | 795 |
| Net loans and leases to deposits | 101.3251% | 675 |
| Net loans and leases to core deposits | 105.3827% | 1,632 |
| Total domestic deposits to total assets | 79.2804% | 6,013 |
| Equity capital to assets | 12.1165% | 1,973 |
| Core capital (leverage) ratio | 8.9921% | 4,587 |
| Tier 1 risk-based capital ratio | 9.5734% | 7,265 |
| Total risk-based capital ratio | 10.2288% | 7,496 |
| Memoranda: | ||
| Average total assets | $80,379,500 | 5,758 |
| Average earning assets | $69,188,000 | 5,873 |
| Average equity | $10,192,000 | 5,181 |
| Average total loans | $66,465,500 | 4,989 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8543% | 344 |
| Cost of funding earning assets | 2.2176% | 1,956 |
| Net interest margin | 4.6367% | 922 |
| Noninterest income to average assets | 1.5030% | 636 |
| Noninterest expense to average assets | 3.9432% | 1,449 |
| Loan and lease loss provision to assets | 0.4862% | 3,939 |
| Net operating income to assets | 1.0479% | 1,674 |
| Return on assets (ROA) | 1.0479% | 1,715 |
| Pretax return on assets | 1.0520% | 2,402 |
| Return on Equity (ROE) | 7.8139% | 2,455 |
| Retained earnings to average equity (ytd only) | 3.7761% | 2,554 |
| Net charge-offs to loans | 0.6492% | 3,243 |
| Credit loss provision to net charge-offs | 89.1089% | 6,036 |
| Earnings coverage of net charge-offs (x) | 2.8193% | 3,682 |
| Efficiency ratio | 71.9389% | 4,269 |
| Assets per employee ($millions) | 3.8924% | 4,038 |
| Cash dividends to net income (ytd only)* | 51.6753% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9490% | 6,639 |
| Loan loss allowance to noncurrent loans | 24.8311% | 6,811 |
| Noncurrent assets plus other real estate owned to assets | 4.4857% | 1,436 |
| Noncurrent loans to loans | 3.8220% | 1,952 |
| Net loans and leases to total assets | 83.7939% | 459 |
| Net loans and leases to deposits | 111.2986% | 338 |
| Net loans and leases to core deposits | 143.7186% | 684 |
| Total domestic deposits to total assets | 75.2874% | 6,812 |
| Equity capital to assets | 13.2799% | 1,403 |
| Core capital (leverage) ratio | 9.6145% | 3,577 |
| Tier 1 risk-based capital ratio | 10.3274% | 6,560 |
| Total risk-based capital ratio | 11.2276% | 6,866 |
| Memoranda: | ||
| Average total assets | $74,050,800 | 5,885 |
| Average earning assets | $63,536,600 | 6,017 |
| Average equity | $9,931,000 | 5,312 |
| Average total loans | $62,227,800 | 5,164 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9489% | 327 |
| Cost of funding earning assets | 2.2306% | 2,274 |
| Net interest margin | 4.7183% | 804 |
| Noninterest income to average assets | 1.7272% | 491 |
| Noninterest expense to average assets | 4.2314% | 999 |
| Loan and lease loss provision to assets | 0.1642% | 5,711 |
| Net operating income to assets | 1.3770% | 1,072 |
| Return on assets (ROA) | 1.3770% | 1,133 |
| Pretax return on assets | 1.3825% | 1,745 |
| Return on Equity (ROE) | 10.2413% | 1,833 |
| Retained earnings to average equity (ytd only) | 9.2511% | 784 |
| Net charge-offs to loans | 0.4327% | 3,518 |
| Credit loss provision to net charge-offs | 45.2261% | 6,373 |
| Earnings coverage of net charge-offs (x) | 4.2613% | 3,197 |
| Efficiency ratio | 73.2323% | 4,009 |
| Assets per employee ($millions) | 3.9318% | 3,867 |
| Cash dividends to net income (ytd only)* | 9.6688% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8568% | 6,933 |
| Loan loss allowance to noncurrent loans | 34.5040% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 3.3039% | 2,045 |
| Noncurrent loans to loans | 2.4833% | 3,035 |
| Net loans and leases to total assets | 82.4010% | 753 |
| Net loans and leases to deposits | 112.9440% | 365 |
| Net loans and leases to core deposits | 145.8745% | 689 |
| Total domestic deposits to total assets | 72.9573% | 7,091 |
| Equity capital to assets | 13.5410% | 1,481 |
| Core capital (leverage) ratio | 10.1105% | 3,161 |
| Tier 1 risk-based capital ratio | 10.5103% | 6,458 |
| Total risk-based capital ratio | 11.2974% | 6,882 |
| Memoranda: | ||
| Average total assets | $73,101,750 | 5,950 |
| Average earning assets | $62,761,250 | 6,077 |
| Average equity | $9,829,250 | 5,389 |
| Average total loans | $61,320,750 | 5,228 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0124% | 308 |
| Cost of funding earning assets | 2.2762% | 2,458 |
| Net interest margin | 4.7361% | 753 |
| Noninterest income to average assets | 2.0629% | 352 |
| Noninterest expense to average assets | 4.5188% | 766 |
| Loan and lease loss provision to assets | 0.1179% | 5,952 |
| Net operating income to assets | 1.4763% | 879 |
| Return on assets (ROA) | 1.4763% | 942 |
| Pretax return on assets | 1.4791% | 1,502 |
| Return on Equity (ROE) | 11.0084% | 1,697 |
| Retained earnings to average equity (ytd only) | 9.4806% | 821 |
| Net charge-offs to loans | 0.6869% | 2,330 |
| Credit loss provision to net charge-offs | 20.3883% | 6,124 |
| Earnings coverage of net charge-offs (x) | 2.7621% | 3,701 |
| Efficiency ratio | 73.8871% | 4,051 |
| Assets per employee ($millions) | 3.2015% | 5,581 |
| Cash dividends to net income (ytd only)* | 13.8783% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7984% | 7,160 |
| Loan loss allowance to noncurrent loans | 31.1576% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 3.3826% | 1,853 |
| Noncurrent loans to loans | 2.5626% | 2,830 |
| Net loans and leases to total assets | 81.8208% | 982 |
| Net loans and leases to deposits | 113.5275% | 419 |
| Net loans and leases to core deposits | 135.7555% | 1,226 |
| Total domestic deposits to total assets | 72.0713% | 7,233 |
| Equity capital to assets | 13.5576% | 1,475 |
| Core capital (leverage) ratio | 10.2513% | 3,042 |
| Tier 1 risk-based capital ratio | 10.4785% | 6,395 |
| Total risk-based capital ratio | 11.2101% | 6,901 |
| Memoranda: | ||
| Average total assets | $71,257,330 | 6,051 |
| Average earning assets | $60,978,000 | 6,185 |
| Average equity | $9,556,330 | 5,498 |
| Average total loans | $59,975,670 | 5,336 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1751% | 260 |
| Cost of funding earning assets | 2.4031% | 2,280 |
| Net interest margin | 4.7720% | 644 |
| Noninterest income to average assets | 2.0681% | 346 |
| Noninterest expense to average assets | 4.1362% | 1,017 |
| Loan and lease loss provision to assets | 0.0993% | 5,694 |
| Net operating income to assets | 1.9104% | 417 |
| Return on assets (ROA) | 1.9104% | 468 |
| Pretax return on assets | 1.9162% | 770 |
| Return on Equity (ROE) | 14.3327% | 1,101 |
| Retained earnings to average equity (ytd only) | 14.2450% | 496 |
| Net charge-offs to loans | 1.0776% | 1,261 |
| Credit loss provision to net charge-offs | 10.8280% | 5,187 |
| Earnings coverage of net charge-offs (x) | 2.1975% | 3,642 |
| Efficiency ratio | 67.2365% | 5,094 |
| Assets per employee ($millions) | 2.2347% | 7,669 |
| Cash dividends to net income (ytd only)* | 0.6116% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 6,732 |
| Loan loss allowance to noncurrent loans | 32.2561% | 6,394 |
| Noncurrent assets plus other real estate owned to assets | 3.5511% | 1,507 |
| Noncurrent loans to loans | 2.8002% | 2,341 |
| Net loans and leases to total assets | 83.7791% | 722 |
| Net loans and leases to deposits | 113.6730% | 461 |
| Net loans and leases to core deposits | 127.8201% | 1,797 |
| Total domestic deposits to total assets | 73.7019% | 6,933 |
| Equity capital to assets | 13.4045% | 1,570 |
| Core capital (leverage) ratio | 9.0496% | 4,622 |
| Tier 1 risk-based capital ratio | 9.4828% | 7,441 |
| Total risk-based capital ratio | 10.3025% | 7,782 |
| Memoranda: | ||
| Average total assets | $68,468,500 | 6,157 |
| Average earning assets | $58,591,500 | 6,319 |
| Average equity | $9,126,000 | 5,654 |
| Average total loans | $58,277,000 | 5,434 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9977% | 194 |
| Cost of funding earning assets | 2.9660% | 2,002 |
| Net interest margin | 5.0317% | 473 |
| Noninterest income to average assets | 1.1214% | 1,241 |
| Noninterest expense to average assets | 3.7519% | 1,851 |
| Loan and lease loss provision to assets | 0.5060% | 2,786 |
| Net operating income to assets | 1.2694% | 1,568 |
| Return on assets (ROA) | 1.2694% | 1,517 |
| Pretax return on assets | 1.2709% | 2,406 |
| Return on Equity (ROE) | 9.5866% | 2,405 |
| Retained earnings to average equity (ytd only) | 2.5698% | 3,591 |
| Net charge-offs to loans | 0.4104% | 2,765 |
| Credit loss provision to net charge-offs | 144.9153% | 3,646 |
| Earnings coverage of net charge-offs (x) | 5.0890% | 3,755 |
| Efficiency ratio | 67.8619% | 4,748 |
| Assets per employee ($millions) | 3.3831% | 4,983 |
| Cash dividends to net income (ytd only)* | 73.1935% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 4,891 |
| Loan loss allowance to noncurrent loans | 46.2656% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 2.8317% | 1,658 |
| Noncurrent loans to loans | 2.4937% | 2,187 |
| Net loans and leases to total assets | 84.7122% | 782 |
| Net loans and leases to deposits | 116.1836% | 515 |
| Net loans and leases to core deposits | 132.6038% | 1,683 |
| Total domestic deposits to total assets | 72.9124% | 6,845 |
| Equity capital to assets | 13.2512% | 1,688 |
| Core capital (leverage) ratio | 8.9251% | 4,852 |
| Tier 1 risk-based capital ratio | 9.1131% | 7,703 |
| Total risk-based capital ratio | 10.1651% | 7,857 |
| Memoranda: | ||
| Average total assets | $67,592,400 | 6,098 |
| Average earning assets | $59,204,800 | 6,213 |
| Average equity | $8,950,000 | 5,753 |
| Average total loans | $57,510,400 | 5,382 |