Home > Citizens State Bank of Luling > Performance and Condition Ratios
Citizens State Bank of Luling, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2921% | 1,504 |
| Cost of funding earning assets | 0.4159% | 4,276 |
| Net interest margin | 4.8763% | 375 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 4.0297% | 360 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7761% | 2,955 |
| Return on assets (ROA) | 0.7761% | 2,934 |
| Pretax return on assets | 0.9918% | 2,706 |
| Return on Equity (ROE) | 5.6100% | 3,609 |
| Retained earnings to average equity (ytd only) | -5.6437% | 4,404 |
| Net charge-offs to loans | 0.0073% | 2,402 |
| Credit loss provision to net charge-offs | 250.0000% | 1,064 |
| Earnings coverage of net charge-offs (x) | 173.7500% | 644 |
| Efficiency ratio | 80.0173% | 920 |
| Assets per employee ($millions) | 3.7892% | 4,223 |
| Cash dividends to net income (ytd only)* | 200.5597% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0932% | 325 |
| Loan loss allowance to noncurrent loans | 2,877.5000% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 3,184 |
| Noncurrent loans to loans | 0.0727% | 3,198 |
| Net loans and leases to total assets | 78.9300% | 769 |
| Net loans and leases to deposits | 95.3896% | 834 |
| Net loans and leases to core deposits | 99.0324% | 1,487 |
| Total domestic deposits to total assets | 82.7500% | 2,954 |
| Equity capital to assets | 14.1940% | 645 |
| Core capital (leverage) ratio | 15.1489% | 599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $69,063,000 | 4,119 |
| Average earning assets | $64,926,600 | 4,090 |
| Average equity | $9,550,400 | 3,767 |
| Average total loans | $54,701,400 | 3,779 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1589% | 1,528 |
| Cost of funding earning assets | 0.3334% | 4,331 |
| Net interest margin | 4.8255% | 398 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 3.9396% | 372 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.8083% | 3,002 |
| Return on assets (ROA) | 0.8083% | 2,993 |
| Pretax return on assets | 1.0335% | 2,762 |
| Return on Equity (ROE) | 5.8800% | 3,660 |
| Retained earnings to average equity (ytd only) | -9.1756% | 4,494 |
| Net charge-offs to loans | 0.0098% | 2,040 |
| Credit loss provision to net charge-offs | 250.0000% | 984 |
| Earnings coverage of net charge-offs (x) | 136.7500% | 776 |
| Efficiency ratio | 78.9129% | 941 |
| Assets per employee ($millions) | 3.8579% | 4,214 |
| Cash dividends to net income (ytd only)* | 255.9524% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1074% | 335 |
| Loan loss allowance to noncurrent loans | 3,028.9474% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 3,262 |
| Noncurrent loans to loans | 0.0696% | 3,263 |
| Net loans and leases to total assets | 77.0000% | 995 |
| Net loans and leases to deposits | 92.2290% | 1,034 |
| Net loans and leases to core deposits | 94.7677% | 1,633 |
| Total domestic deposits to total assets | 83.4800% | 2,913 |
| Equity capital to assets | 13.4242% | 734 |
| Core capital (leverage) ratio | 14.9679% | 629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $69,277,500 | 4,133 |
| Average earning assets | $65,179,750 | 4,108 |
| Average equity | $9,517,750 | 3,768 |
| Average total loans | $54,630,000 | 3,782 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9921% | 1,578 |
| Cost of funding earning assets | 0.2577% | 4,371 |
| Net interest margin | 4.7343% | 432 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 3.8889% | 371 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8090% | 3,052 |
| Return on assets (ROA) | 0.8090% | 3,061 |
| Pretax return on assets | 1.0343% | 2,821 |
| Return on Equity (ROE) | 5.8400% | 3,729 |
| Retained earnings to average equity (ytd only) | -16.5919% | 4,564 |
| Net charge-offs to loans | 0.0146% | 1,648 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 89.5000% | 993 |
| Efficiency ratio | 78.9906% | 917 |
| Assets per employee ($millions) | 3.8444% | 4,243 |
| Cash dividends to net income (ytd only)* | 383.9286% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0722% | 372 |
| Loan loss allowance to noncurrent loans | 3,352.9412% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 3,286 |
| Noncurrent loans to loans | 0.0618% | 3,258 |
| Net loans and leases to total assets | 77.8500% | 853 |
| Net loans and leases to deposits | 93.2851% | 922 |
| Net loans and leases to core deposits | 96.2981% | 1,451 |
| Total domestic deposits to total assets | 83.4600% | 2,944 |
| Equity capital to assets | 13.4827% | 722 |
| Core capital (leverage) ratio | 15.0075% | 591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $69,222,667 | 4,156 |
| Average earning assets | $65,183,333 | 4,129 |
| Average equity | $9,583,000 | 3,787 |
| Average total loans | $54,634,000 | 3,799 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8387% | 1,530 |
| Cost of funding earning assets | 0.1894% | 4,400 |
| Net interest margin | 4.6493% | 483 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 3.8247% | 401 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8435% | 3,039 |
| Return on assets (ROA) | 0.8435% | 2,995 |
| Pretax return on assets | 1.0746% | 2,783 |
| Return on Equity (ROE) | 6.0100% | 3,711 |
| Retained earnings to average equity (ytd only) | -38.2718% | 4,656 |
| Net charge-offs to loans | -0.0073% | 3,755 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.0660% | 998 |
| Assets per employee ($millions) | 4.0198% | 4,235 |
| Cash dividends to net income (ytd only)* | 736.3014% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1364% | 353 |
| Loan loss allowance to noncurrent loans | 3,094.5946% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 3,242 |
| Noncurrent loans to loans | 0.0690% | 3,237 |
| Net loans and leases to total assets | 76.7500% | 902 |
| Net loans and leases to deposits | 88.9754% | 1,136 |
| Net loans and leases to core deposits | 92.2751% | 1,491 |
| Total domestic deposits to total assets | 86.2600% | 2,520 |
| Equity capital to assets | 13.5388% | 663 |
| Core capital (leverage) ratio | 14.6884% | 629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $69,234,000 | 4,206 |
| Average earning assets | $65,472,000 | 4,175 |
| Average equity | $9,709,500 | 3,819 |
| Average total loans | $54,444,000 | 3,842 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2350% | 1,185 |
| Cost of funding earning assets | 0.1415% | 4,168 |
| Net interest margin | 4.0935% | 668 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 3.4657% | 506 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6566% | 3,743 |
| Return on assets (ROA) | 0.6566% | 3,691 |
| Pretax return on assets | 0.8353% | 3,532 |
| Return on Equity (ROE) | 4.7000% | 4,062 |
| Retained earnings to average equity (ytd only) | 0.8719% | 4,225 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.5792% | 673 |
| Assets per employee ($millions) | 4.1254% | 4,238 |
| Cash dividends to net income (ytd only)* | 81.4433% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0708% | 386 |
| Loan loss allowance to noncurrent loans | 1,789.0625% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 2,909 |
| Noncurrent loans to loans | 0.1157% | 2,949 |
| Net loans and leases to total assets | 77.2100% | 874 |
| Net loans and leases to deposits | 90.3700% | 1,030 |
| Net loans and leases to core deposits | 93.2556% | 1,331 |
| Total domestic deposits to total assets | 85.4400% | 2,878 |
| Equity capital to assets | 14.4972% | 525 |
| Core capital (leverage) ratio | 14.6783% | 610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $73,865,800 | 4,199 |
| Average earning assets | $69,988,200 | 4,158 |
| Average equity | $10,322,400 | 3,831 |
| Average total loans | $53,345,600 | 3,841 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0312% | 1,201 |
| Cost of funding earning assets | 0.1469% | 3,875 |
| Net interest margin | 3.8843% | 826 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 3.4313% | 511 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5098% | 4,050 |
| Return on assets (ROA) | 0.5098% | 4,000 |
| Pretax return on assets | 0.6488% | 3,897 |
| Return on Equity (ROE) | 3.6800% | 4,205 |
| Retained earnings to average equity (ytd only) | -1.0809% | 4,427 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.0979% | 541 |
| Assets per employee ($millions) | 4.4818% | 4,070 |
| Cash dividends to net income (ytd only)* | 129.3706% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1213% | 393 |
| Loan loss allowance to noncurrent loans | 2,044.6429% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 3,154 |
| Noncurrent loans to loans | 0.1037% | 3,137 |
| Net loans and leases to total assets | 69.3400% | 1,538 |
| Net loans and leases to deposits | 79.9114% | 1,579 |
| Net loans and leases to core deposits | 88.5371% | 1,388 |
| Total domestic deposits to total assets | 86.7700% | 2,833 |
| Equity capital to assets | 13.0805% | 666 |
| Core capital (leverage) ratio | 14.6461% | 591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $74,799,500 | 4,223 |
| Average earning assets | $70,779,250 | 4,183 |
| Average equity | $10,361,250 | 3,878 |
| Average total loans | $52,859,000 | 3,870 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0417% | 873 |
| Cost of funding earning assets | 0.1537% | 3,527 |
| Net interest margin | 3.8880% | 622 |
| Noninterest income to average assets | 0.4143% | 2,667 |
| Noninterest expense to average assets | 3.3846% | 486 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5569% | 3,747 |
| Return on assets (ROA) | 0.5569% | 3,696 |
| Pretax return on assets | 0.7049% | 3,561 |
| Return on Equity (ROE) | 3.9455% | 4,044 |
| Retained earnings to average equity (ytd only) | -3.1068% | 4,459 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7632% | 754 |
| Assets per employee ($millions) | 4.6691% | 3,957 |
| Cash dividends to net income (ytd only)* | 178.7440% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2211% | 374 |
| Loan loss allowance to noncurrent loans | 2,044.6429% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 3,226 |
| Noncurrent loans to loans | 0.1086% | 3,209 |
| Net loans and leases to total assets | 67.4747% | 1,529 |
| Net loans and leases to deposits | 77.9257% | 1,545 |
| Net loans and leases to core deposits | 86.5267% | 1,298 |
| Total domestic deposits to total assets | 86.5886% | 3,084 |
| Equity capital to assets | 13.3525% | 601 |
| Core capital (leverage) ratio | 14.3753% | 559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,336,000 | 4,270 |
| Average earning assets | $70,266,667 | 4,245 |
| Average equity | $10,493,000 | 3,936 |
| Average total loans | $52,486,667 | 3,920 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9763% | 805 |
| Cost of funding earning assets | 0.1545% | 3,438 |
| Net interest margin | 3.8218% | 611 |
| Noninterest income to average assets | 0.4369% | 2,460 |
| Noninterest expense to average assets | 3.3877% | 473 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5179% | 3,662 |
| Return on assets (ROA) | 0.5179% | 3,629 |
| Pretax return on assets | 0.6527% | 3,512 |
| Return on Equity (ROE) | 3.5714% | 3,976 |
| Retained earnings to average equity (ytd only) | -5.7292% | 4,446 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8451% | 864 |
| Assets per employee ($millions) | 4.6987% | 4,000 |
| Cash dividends to net income (ytd only)* | 260.4167% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1568% | 475 |
| Loan loss allowance to noncurrent loans | 2,792.6829% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 3,503 |
| Noncurrent loans to loans | 0.0772% | 3,456 |
| Net loans and leases to total assets | 69.0911% | 1,106 |
| Net loans and leases to deposits | 80.3558% | 1,121 |
| Net loans and leases to core deposits | 89.3057% | 951 |
| Total domestic deposits to total assets | 85.9815% | 3,264 |
| Equity capital to assets | 13.9361% | 537 |
| Core capital (leverage) ratio | 14.8546% | 453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,151,500 | 4,295 |
| Average earning assets | $69,914,000 | 4,268 |
| Average equity | $10,752,000 | 3,977 |
| Average total loans | $52,954,000 | 3,925 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3975% | 717 |
| Cost of funding earning assets | 0.1517% | 3,951 |
| Net interest margin | 4.2457% | 455 |
| Noninterest income to average assets | 0.3616% | 3,267 |
| Noninterest expense to average assets | 3.6186% | 420 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6017% | 3,874 |
| Return on assets (ROA) | 0.6017% | 3,916 |
| Pretax return on assets | 0.7591% | 3,818 |
| Return on Equity (ROE) | 3.9530% | 4,225 |
| Retained earnings to average equity (ytd only) | 0.2357% | 4,431 |
| Net charge-offs to loans | -0.0018% | 3,347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6608% | 635 |
| Assets per employee ($millions) | 3.8486% | 4,475 |
| Cash dividends to net income (ytd only)* | 94.0367% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1677% | 470 |
| Loan loss allowance to noncurrent loans | 1,940.6780% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 3,378 |
| Noncurrent loans to loans | 0.1117% | 3,368 |
| Net loans and leases to total assets | 70.6690% | 964 |
| Net loans and leases to deposits | 83.2423% | 969 |
| Net loans and leases to core deposits | 92.9224% | 830 |
| Total domestic deposits to total assets | 84.8955% | 3,304 |
| Equity capital to assets | 15.0799% | 487 |
| Core capital (leverage) ratio | 15.1048% | 454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,458,000 | 4,311 |
| Average earning assets | $68,539,600 | 4,284 |
| Average equity | $11,029,600 | 4,031 |
| Average total loans | $54,525,800 | 3,923 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4666% | 712 |
| Cost of funding earning assets | 0.1517% | 4,092 |
| Net interest margin | 4.3149% | 436 |
| Noninterest income to average assets | 0.3670% | 3,261 |
| Noninterest expense to average assets | 3.6758% | 382 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6197% | 3,971 |
| Return on assets (ROA) | 0.6197% | 4,022 |
| Pretax return on assets | 0.7820% | 3,923 |
| Return on Equity (ROE) | 4.0615% | 4,291 |
| Retained earnings to average equity (ytd only) | -0.8945% | 4,654 |
| Net charge-offs to loans | -0.0073% | 3,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4576% | 612 |
| Assets per employee ($millions) | 4.0677% | 4,407 |
| Cash dividends to net income (ytd only)* | 122.0238% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1122% | 525 |
| Loan loss allowance to noncurrent loans | 1,878.6885% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 3,508 |
| Noncurrent loans to loans | 0.1124% | 3,526 |
| Net loans and leases to total assets | 76.8044% | 483 |
| Net loans and leases to deposits | 91.4824% | 519 |
| Net loans and leases to core deposits | 95.5371% | 768 |
| Total domestic deposits to total assets | 83.9554% | 3,467 |
| Equity capital to assets | 15.9694% | 419 |
| Core capital (leverage) ratio | 15.3337% | 448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,291,500 | 4,367 |
| Average earning assets | $68,536,500 | 4,336 |
| Average equity | $11,030,250 | 4,082 |
| Average total loans | $54,952,000 | 3,965 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 842 |
| Cost of funding earning assets | 0.1525% | 4,187 |
| Net interest margin | 4.2568% | 528 |
| Noninterest income to average assets | 0.3627% | 3,288 |
| Noninterest expense to average assets | 3.6598% | 385 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5781% | 4,025 |
| Return on assets (ROA) | 0.5781% | 4,082 |
| Pretax return on assets | 0.7363% | 3,996 |
| Return on Equity (ROE) | 3.8455% | 4,359 |
| Retained earnings to average equity (ytd only) | -3.5915% | 4,741 |
| Net charge-offs to loans | -0.0109% | 3,701 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2506% | 595 |
| Assets per employee ($millions) | 3.8631% | 4,519 |
| Cash dividends to net income (ytd only)* | 193.3962% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1949% | 428 |
| Loan loss allowance to noncurrent loans | 553.6232% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 2,510 |
| Noncurrent loans to loans | 0.3965% | 2,484 |
| Net loans and leases to total assets | 69.5718% | 1,251 |
| Net loans and leases to deposits | 81.7943% | 1,248 |
| Net loans and leases to core deposits | 85.1481% | 1,484 |
| Total domestic deposits to total assets | 85.0570% | 3,070 |
| Equity capital to assets | 14.9007% | 543 |
| Core capital (leverage) ratio | 14.5536% | 527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,338,333 | 4,375 |
| Average earning assets | $69,488,333 | 4,346 |
| Average equity | $11,026,000 | 4,094 |
| Average total loans | $55,183,667 | 3,987 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5470% | 728 |
| Cost of funding earning assets | 0.1608% | 4,235 |
| Net interest margin | 4.3863% | 440 |
| Noninterest income to average assets | 0.3765% | 3,214 |
| Noninterest expense to average assets | 3.6449% | 391 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7148% | 3,675 |
| Return on assets (ROA) | 0.7148% | 3,740 |
| Pretax return on assets | 0.9003% | 3,594 |
| Return on Equity (ROE) | 4.7333% | 4,143 |
| Retained earnings to average equity (ytd only) | -3.9384% | 4,648 |
| Net charge-offs to loans | -0.0212% | 4,020 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1921% | 809 |
| Assets per employee ($millions) | 3.7315% | 4,607 |
| Cash dividends to net income (ytd only)* | 183.2061% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0626% | 531 |
| Loan loss allowance to noncurrent loans | 559.0244% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 2,781 |
| Noncurrent loans to loans | 0.3690% | 2,767 |
| Net loans and leases to total assets | 72.9144% | 906 |
| Net loans and leases to deposits | 85.7215% | 980 |
| Net loans and leases to core deposits | 88.7338% | 1,314 |
| Total domestic deposits to total assets | 85.0596% | 3,068 |
| Equity capital to assets | 14.7756% | 530 |
| Core capital (leverage) ratio | 15.1301% | 459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,308,000 | 4,394 |
| Average earning assets | $69,672,000 | 4,360 |
| Average equity | $11,070,500 | 4,100 |
| Average total loans | $56,670,000 | 3,977 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9329% | 564 |
| Cost of funding earning assets | 0.2762% | 4,269 |
| Net interest margin | 4.6567% | 238 |
| Noninterest income to average assets | 0.4407% | 2,911 |
| Noninterest expense to average assets | 3.5755% | 623 |
| Loan and lease loss provision to assets | 0.2433% | 1,596 |
| Net operating income to assets | 0.8091% | 3,058 |
| Return on assets (ROA) | 0.8091% | 3,175 |
| Pretax return on assets | 1.0287% | 2,944 |
| Return on Equity (ROE) | 5.3568% | 3,792 |
| Retained earnings to average equity (ytd only) | 4.7954% | 2,372 |
| Net charge-offs to loans | -0.0119% | 4,298 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7597% | 1,482 |
| Assets per employee ($millions) | 3.5993% | 4,610 |
| Cash dividends to net income (ytd only)* | 10.4811% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9783% | 621 |
| Loan loss allowance to noncurrent loans | 1,873.7705% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 3,904 |
| Noncurrent loans to loans | 0.1056% | 3,868 |
| Net loans and leases to total assets | 78.6750% | 533 |
| Net loans and leases to deposits | 93.1083% | 712 |
| Net loans and leases to core deposits | 96.1088% | 1,113 |
| Total domestic deposits to total assets | 84.4984% | 2,947 |
| Equity capital to assets | 15.4391% | 496 |
| Core capital (leverage) ratio | 15.1837% | 482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,933,600 | 4,357 |
| Average earning assets | $68,074,000 | 4,322 |
| Average equity | $10,864,600 | 4,095 |
| Average total loans | $58,653,000 | 3,945 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0630% | 544 |
| Cost of funding earning assets | 0.3043% | 4,294 |
| Net interest margin | 4.7587% | 222 |
| Noninterest income to average assets | 0.4560% | 2,812 |
| Noninterest expense to average assets | 3.5835% | 626 |
| Loan and lease loss provision to assets | 0.2711% | 1,495 |
| Net operating income to assets | 0.8620% | 2,853 |
| Return on assets (ROA) | 0.8620% | 2,993 |
| Pretax return on assets | 1.0956% | 2,764 |
| Return on Equity (ROE) | 5.7394% | 3,643 |
| Retained earnings to average equity (ytd only) | 4.9865% | 2,565 |
| Net charge-offs to loans | -0.0226% | 4,456 |
| Credit loss provision to net charge-offs | -1,460.0000% | 4,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3970% | 1,595 |
| Assets per employee ($millions) | 3.6011% | 4,612 |
| Cash dividends to net income (ytd only)* | 13.1183% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8727% | 617 |
| Loan loss allowance to noncurrent loans | 1,551.3889% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 3,931 |
| Noncurrent loans to loans | 0.1207% | 3,900 |
| Net loans and leases to total assets | 81.2694% | 499 |
| Net loans and leases to deposits | 96.0974% | 753 |
| Net loans and leases to core deposits | 98.3499% | 1,286 |
| Total domestic deposits to total assets | 84.5698% | 2,603 |
| Equity capital to assets | 15.2761% | 575 |
| Core capital (leverage) ratio | 15.2242% | 510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,920,500 | 4,364 |
| Average earning assets | $67,916,250 | 4,332 |
| Average equity | $10,802,250 | 4,111 |
| Average total loans | $58,871,750 | 3,959 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1622% | 614 |
| Cost of funding earning assets | 0.3540% | 4,253 |
| Net interest margin | 4.8083% | 280 |
| Noninterest income to average assets | 0.4785% | 2,661 |
| Noninterest expense to average assets | 3.5472% | 704 |
| Loan and lease loss provision to assets | 0.3172% | 1,347 |
| Net operating income to assets | 0.9014% | 2,685 |
| Return on assets (ROA) | 0.9014% | 2,809 |
| Pretax return on assets | 1.1490% | 2,552 |
| Return on Equity (ROE) | 6.0360% | 3,496 |
| Retained earnings to average equity (ytd only) | 4.8996% | 2,521 |
| Net charge-offs to loans | -0.0273% | 4,502 |
| Credit loss provision to net charge-offs | -1,425.0000% | 3,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7547% | 1,858 |
| Assets per employee ($millions) | 4.2481% | 4,057 |
| Cash dividends to net income (ytd only)* | 18.8272% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8306% | 612 |
| Loan loss allowance to noncurrent loans | 859.5238% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 3,662 |
| Noncurrent loans to loans | 0.2130% | 3,618 |
| Net loans and leases to total assets | 80.4215% | 554 |
| Net loans and leases to deposits | 94.9189% | 881 |
| Net loans and leases to core deposits | 97.1285% | 1,489 |
| Total domestic deposits to total assets | 84.7266% | 2,496 |
| Equity capital to assets | 15.0671% | 607 |
| Core capital (leverage) ratio | 15.2131% | 539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,887,000 | 4,376 |
| Average earning assets | $67,800,000 | 4,346 |
| Average equity | $10,735,667 | 4,129 |
| Average total loans | $58,613,000 | 3,970 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0345% | 903 |
| Cost of funding earning assets | 0.4393% | 4,201 |
| Net interest margin | 4.5952% | 419 |
| Noninterest income to average assets | 0.5298% | 2,389 |
| Noninterest expense to average assets | 3.5582% | 858 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0039% | 2,157 |
| Return on assets (ROA) | 1.0039% | 2,266 |
| Pretax return on assets | 1.2883% | 1,900 |
| Return on Equity (ROE) | 6.7523% | 3,046 |
| Retained earnings to average equity (ytd only) | 4.4640% | 2,509 |
| Net charge-offs to loans | 0.0069% | 2,327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 303 |
| Efficiency ratio | 73.4177% | 1,889 |
| Assets per employee ($millions) | 4.0808% | 3,815 |
| Cash dividends to net income (ytd only)* | 33.8889% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6612% | 932 |
| Loan loss allowance to noncurrent loans | 1,476.9231% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 4,148 |
| Noncurrent loans to loans | 0.1125% | 4,070 |
| Net loans and leases to total assets | 81.9180% | 443 |
| Net loans and leases to deposits | 97.0805% | 812 |
| Net loans and leases to core deposits | 99.4383% | 1,519 |
| Total domestic deposits to total assets | 84.3815% | 2,640 |
| Equity capital to assets | 15.4599% | 684 |
| Core capital (leverage) ratio | 14.7062% | 744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,722,000 | 4,382 |
| Average earning assets | $67,374,500 | 4,362 |
| Average equity | $10,663,000 | 4,151 |
| Average total loans | $58,339,000 | 3,986 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1413% | 1,128 |
| Cost of funding earning assets | 0.4269% | 4,352 |
| Net interest margin | 4.7144% | 453 |
| Noninterest income to average assets | 0.6322% | 2,082 |
| Noninterest expense to average assets | 3.8407% | 632 |
| Loan and lease loss provision to assets | 0.0868% | 2,282 |
| Net operating income to assets | 0.9027% | 3,199 |
| Return on assets (ROA) | 0.9027% | 3,287 |
| Pretax return on assets | 1.1616% | 2,978 |
| Return on Equity (ROE) | 5.9652% | 3,929 |
| Retained earnings to average equity (ytd only) | 2.5142% | 3,771 |
| Net charge-offs to loans | -0.0790% | 4,919 |
| Credit loss provision to net charge-offs | -133.3333% | 4,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4690% | 1,427 |
| Assets per employee ($millions) | 4.1151% | 3,752 |
| Cash dividends to net income (ytd only)* | 57.8526% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6319% | 913 |
| Loan loss allowance to noncurrent loans | 1,501.5625% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 4,212 |
| Noncurrent loans to loans | 0.1087% | 4,094 |
| Net loans and leases to total assets | 78.2060% | 1,047 |
| Net loans and leases to deposits | 91.3619% | 1,448 |
| Net loans and leases to core deposits | 93.3991% | 2,120 |
| Total domestic deposits to total assets | 85.6003% | 2,237 |
| Equity capital to assets | 14.3119% | 994 |
| Core capital (leverage) ratio | 14.4833% | 804 |
| Tier 1 risk-based capital ratio | 18.3748% | 1,676 |
| Total risk-based capital ratio | 19.6324% | 1,638 |
| Memoranda: | ||
| Average total assets | $69,127,400 | 4,445 |
| Average earning assets | $65,353,400 | 4,415 |
| Average equity | $10,460,600 | 4,180 |
| Average total loans | $56,950,000 | 4,030 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1797% | 1,082 |
| Cost of funding earning assets | 0.4067% | 4,480 |
| Net interest margin | 4.7730% | 435 |
| Noninterest income to average assets | 0.6697% | 1,917 |
| Noninterest expense to average assets | 3.9081% | 591 |
| Loan and lease loss provision to assets | 0.1178% | 1,658 |
| Net operating income to assets | 0.9034% | 3,331 |
| Return on assets (ROA) | 0.9034% | 3,406 |
| Pretax return on assets | 1.1606% | 3,100 |
| Return on Equity (ROE) | 5.8829% | 4,075 |
| Retained earnings to average equity (ytd only) | 3.8750% | 3,464 |
| Net charge-offs to loans | -0.0992% | 4,989 |
| Credit loss provision to net charge-offs | -142.8571% | 4,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3502% | 1,408 |
| Assets per employee ($millions) | 3.5239% | 4,477 |
| Cash dividends to net income (ytd only)* | 34.1306% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 886 |
| Loan loss allowance to noncurrent loans | 1,708.9286% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 4,325 |
| Noncurrent loans to loans | 0.0970% | 4,209 |
| Net loans and leases to total assets | 80.5710% | 768 |
| Net loans and leases to deposits | 95.0885% | 1,113 |
| Net loans and leases to core deposits | 97.3362% | 1,870 |
| Total domestic deposits to total assets | 84.7326% | 2,531 |
| Equity capital to assets | 15.0815% | 830 |
| Core capital (leverage) ratio | 15.1646% | 703 |
| Tier 1 risk-based capital ratio | 18.4944% | 1,688 |
| Total risk-based capital ratio | 19.7494% | 1,653 |
| Memoranda: | ||
| Average total assets | $67,891,500 | 4,519 |
| Average earning assets | $64,249,250 | 4,486 |
| Average equity | $10,425,500 | 4,233 |
| Average total loans | $56,465,250 | 4,089 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1155% | 1,183 |
| Cost of funding earning assets | 0.3848% | 4,561 |
| Net interest margin | 4.7307% | 465 |
| Noninterest income to average assets | 0.6176% | 2,074 |
| Noninterest expense to average assets | 3.9923% | 542 |
| Loan and lease loss provision to assets | 0.1790% | 1,004 |
| Net operating income to assets | 0.7131% | 3,962 |
| Return on assets (ROA) | 0.7131% | 4,019 |
| Pretax return on assets | 0.9220% | 3,783 |
| Return on Equity (ROE) | 4.6149% | 4,441 |
| Retained earnings to average equity (ytd only) | 3.0895% | 3,673 |
| Net charge-offs to loans | -0.0250% | 4,623 |
| Credit loss provision to net charge-offs | -857.1429% | 4,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3831% | 1,104 |
| Assets per employee ($millions) | 3.3996% | 4,605 |
| Cash dividends to net income (ytd only)* | 33.0544% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 907 |
| Loan loss allowance to noncurrent loans | 1,589.6552% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 4,339 |
| Noncurrent loans to loans | 0.1041% | 4,202 |
| Net loans and leases to total assets | 80.5742% | 796 |
| Net loans and leases to deposits | 95.3628% | 1,110 |
| Net loans and leases to core deposits | 97.7012% | 1,906 |
| Total domestic deposits to total assets | 84.4923% | 2,686 |
| Equity capital to assets | 15.4180% | 725 |
| Core capital (leverage) ratio | 15.3095% | 644 |
| Tier 1 risk-based capital ratio | 18.8468% | 1,591 |
| Total risk-based capital ratio | 20.1041% | 1,555 |
| Memoranda: | ||
| Average total assets | $67,029,670 | 4,566 |
| Average earning assets | $63,415,330 | 4,537 |
| Average equity | $10,357,670 | 4,255 |
| Average total loans | $56,040,000 | 4,124 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0446% | 1,226 |
| Cost of funding earning assets | 0.3562% | 4,657 |
| Net interest margin | 4.6883% | 511 |
| Noninterest income to average assets | 0.6071% | 2,013 |
| Noninterest expense to average assets | 3.9851% | 552 |
| Loan and lease loss provision to assets | 0.1803% | 921 |
| Net operating income to assets | 0.6792% | 4,004 |
| Return on assets (ROA) | 0.6792% | 4,043 |
| Pretax return on assets | 0.8715% | 3,853 |
| Return on Equity (ROE) | 4.3905% | 4,499 |
| Retained earnings to average equity (ytd only) | 1.3210% | 4,251 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1169% | 1,145 |
| Assets per employee ($millions) | 3.4052% | 4,649 |
| Cash dividends to net income (ytd only)* | 69.9115% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6033% | 1,054 |
| Loan loss allowance to noncurrent loans | 1,610.9091% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 4,399 |
| Noncurrent loans to loans | 0.0995% | 4,296 |
| Net loans and leases to total assets | 79.8426% | 860 |
| Net loans and leases to deposits | 94.3553% | 1,128 |
| Net loans and leases to core deposits | 96.6547% | 1,882 |
| Total domestic deposits to total assets | 84.6191% | 2,811 |
| Equity capital to assets | 15.1621% | 722 |
| Core capital (leverage) ratio | 15.4842% | 598 |
| Tier 1 risk-based capital ratio | 18.8685% | 1,571 |
| Total risk-based capital ratio | 20.1213% | 1,537 |
| Memoranda: | ||
| Average total assets | $66,548,500 | 4,629 |
| Average earning assets | $62,879,500 | 4,595 |
| Average equity | $10,295,000 | 4,283 |
| Average total loans | $56,207,000 | 4,161 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1195% | 815 |
| Cost of funding earning assets | 0.2599% | 4,757 |
| Net interest margin | 4.8597% | 350 |
| Noninterest income to average assets | 0.6231% | 2,178 |
| Noninterest expense to average assets | 3.7940% | 690 |
| Loan and lease loss provision to assets | 0.1797% | 1,094 |
| Net operating income to assets | 0.9631% | 3,165 |
| Return on assets (ROA) | 0.9631% | 3,166 |
| Pretax return on assets | 1.2432% | 2,725 |
| Return on Equity (ROE) | 6.2636% | 4,082 |
| Retained earnings to average equity (ytd only) | -2.9419% | 5,177 |
| Net charge-offs to loans | -0.0103% | 4,497 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7247% | 1,808 |
| Assets per employee ($millions) | 3.2478% | 4,786 |
| Cash dividends to net income (ytd only)* | 146.9673% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 1,300 |
| Loan loss allowance to noncurrent loans | 1,501.7544% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 4,378 |
| Noncurrent loans to loans | 0.0997% | 4,283 |
| Net loans and leases to total assets | 86.6679% | 196 |
| Net loans and leases to deposits | 103.3295% | 522 |
| Net loans and leases to core deposits | 105.9869% | 1,268 |
| Total domestic deposits to total assets | 83.8752% | 3,038 |
| Equity capital to assets | 15.7599% | 573 |
| Core capital (leverage) ratio | 15.5859% | 583 |
| Tier 1 risk-based capital ratio | 17.8886% | 1,788 |
| Total risk-based capital ratio | 19.1433% | 1,746 |
| Memoranda: | ||
| Average total assets | $66,764,000 | 4,635 |
| Average earning assets | $63,111,200 | 4,607 |
| Average equity | $10,265,600 | 4,271 |
| Average total loans | $58,156,200 | 4,142 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0779% | 798 |
| Cost of funding earning assets | 0.2417% | 4,835 |
| Net interest margin | 4.8362% | 350 |
| Noninterest income to average assets | 0.6030% | 2,294 |
| Noninterest expense to average assets | 3.7272% | 730 |
| Loan and lease loss provision to assets | 0.1785% | 1,021 |
| Net operating income to assets | 0.9839% | 3,164 |
| Return on assets (ROA) | 0.9839% | 3,172 |
| Pretax return on assets | 1.2616% | 2,764 |
| Return on Equity (ROE) | 6.4376% | 4,133 |
| Retained earnings to average equity (ytd only) | -2.9592% | 5,250 |
| Net charge-offs to loans | -0.0091% | 4,368 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1305% | 1,860 |
| Assets per employee ($millions) | 3.6388% | 4,384 |
| Cash dividends to net income (ytd only)* | 145.9672% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4489% | 1,528 |
| Loan loss allowance to noncurrent loans | 1,396.6102% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 4,519 |
| Noncurrent loans to loans | 0.1037% | 4,420 |
| Net loans and leases to total assets | 85.5706% | 305 |
| Net loans and leases to deposits | 101.9018% | 657 |
| Net loans and leases to core deposits | 104.4893% | 1,420 |
| Total domestic deposits to total assets | 83.9736% | 2,950 |
| Equity capital to assets | 15.7135% | 582 |
| Core capital (leverage) ratio | 15.2438% | 646 |
| Tier 1 risk-based capital ratio | 17.7372% | 1,862 |
| Total risk-based capital ratio | 18.9886% | 1,816 |
| Memoranda: | ||
| Average total assets | $67,216,000 | 4,678 |
| Average earning assets | $63,436,750 | 4,646 |
| Average equity | $10,272,750 | 4,312 |
| Average total loans | $58,407,250 | 4,174 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9836% | 856 |
| Cost of funding earning assets | 0.2216% | 4,910 |
| Net interest margin | 4.7620% | 381 |
| Noninterest income to average assets | 0.5930% | 2,357 |
| Noninterest expense to average assets | 3.6938% | 763 |
| Loan and lease loss provision to assets | 0.1770% | 1,024 |
| Net operating income to assets | 1.0002% | 3,021 |
| Return on assets (ROA) | 1.0002% | 3,018 |
| Pretax return on assets | 1.2244% | 2,851 |
| Return on Equity (ROE) | 6.6041% | 4,024 |
| Retained earnings to average equity (ytd only) | -7.4808% | 5,369 |
| Net charge-offs to loans | -0.0204% | 4,578 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4957% | 1,918 |
| Assets per employee ($millions) | 3.8042% | 4,203 |
| Cash dividends to net income (ytd only)* | 213.2743% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 1,867 |
| Loan loss allowance to noncurrent loans | 1,306.5574% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 4,571 |
| Noncurrent loans to loans | 0.1047% | 4,445 |
| Net loans and leases to total assets | 83.9535% | 464 |
| Net loans and leases to deposits | 100.3859% | 780 |
| Net loans and leases to core deposits | 102.3046% | 1,541 |
| Total domestic deposits to total assets | 83.6308% | 3,206 |
| Equity capital to assets | 14.8037% | 728 |
| Core capital (leverage) ratio | 15.0156% | 665 |
| Tier 1 risk-based capital ratio | 17.5731% | 1,923 |
| Total risk-based capital ratio | 18.8239% | 1,878 |
| Memoranda: | ||
| Average total assets | $67,788,670 | 4,720 |
| Average earning assets | $64,090,330 | 4,691 |
| Average equity | $10,266,330 | 4,349 |
| Average total loans | $58,919,330 | 4,190 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0939% | 594 |
| Cost of funding earning assets | 0.2128% | 4,939 |
| Net interest margin | 4.8811% | 292 |
| Noninterest income to average assets | 0.5812% | 2,356 |
| Noninterest expense to average assets | 3.6830% | 782 |
| Loan and lease loss provision to assets | 0.1779% | 975 |
| Net operating income to assets | 1.0616% | 2,600 |
| Return on assets (ROA) | 1.0616% | 2,610 |
| Pretax return on assets | 1.3463% | 2,197 |
| Return on Equity (ROE) | 6.9306% | 3,811 |
| Retained earnings to average equity (ytd only) | -1.8972% | 5,000 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7289% | 2,384 |
| Assets per employee ($millions) | 3.7256% | 4,384 |
| Cash dividends to net income (ytd only)* | 127.3743% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 2,218 |
| Loan loss allowance to noncurrent loans | 710.2804% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 4,285 |
| Noncurrent loans to loans | 0.1839% | 4,136 |
| Net loans and leases to total assets | 85.6129% | 291 |
| Net loans and leases to deposits | 101.3308% | 624 |
| Net loans and leases to core deposits | 102.3697% | 1,497 |
| Total domestic deposits to total assets | 84.4885% | 3,122 |
| Equity capital to assets | 15.0999% | 649 |
| Core capital (leverage) ratio | 14.4705% | 770 |
| Tier 1 risk-based capital ratio | 18.0916% | 1,811 |
| Total risk-based capital ratio | 19.3426% | 1,760 |
| Memoranda: | ||
| Average total assets | $67,445,000 | 4,786 |
| Average earning assets | $63,919,500 | 4,749 |
| Average equity | $10,331,000 | 4,378 |
| Average total loans | $59,236,500 | 4,216 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9399% | 732 |
| Cost of funding earning assets | 0.1930% | 4,999 |
| Net interest margin | 4.7469% | 389 |
| Noninterest income to average assets | 0.5991% | 2,454 |
| Noninterest expense to average assets | 3.7317% | 755 |
| Loan and lease loss provision to assets | 0.1825% | 1,171 |
| Net operating income to assets | 0.7497% | 3,394 |
| Return on assets (ROA) | 0.7497% | 3,432 |
| Pretax return on assets | 1.1359% | 3,037 |
| Return on Equity (ROE) | 5.4848% | 3,974 |
| Retained earnings to average equity (ytd only) | 4.0274% | 2,774 |
| Net charge-offs to loans | 0.0441% | 2,907 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 36.1250% | 1,351 |
| Efficiency ratio | 73.8934% | 1,909 |
| Assets per employee ($millions) | 3.9915% | 3,976 |
| Cash dividends to net income (ytd only)* | 26.5720% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 2,711 |
| Loan loss allowance to noncurrent loans | 1,158.7302% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 4,656 |
| Noncurrent loans to loans | 0.1045% | 4,517 |
| Net loans and leases to total assets | 87.7903% | 147 |
| Net loans and leases to deposits | 106.1739% | 396 |
| Net loans and leases to core deposits | 107.2714% | 1,198 |
| Total domestic deposits to total assets | 82.6854% | 3,664 |
| Equity capital to assets | 15.6287% | 562 |
| Core capital (leverage) ratio | 15.4926% | 544 |
| Tier 1 risk-based capital ratio | 18.5010% | 1,653 |
| Total risk-based capital ratio | 19.7507% | 1,605 |
| Memoranda: | ||
| Average total assets | $65,761,400 | 4,855 |
| Average earning assets | $61,661,000 | 4,827 |
| Average equity | $8,988,400 | 4,613 |
| Average total loans | $54,412,200 | 4,351 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 859 |
| Cost of funding earning assets | 0.1945% | 5,020 |
| Net interest margin | 4.6433% | 453 |
| Noninterest income to average assets | 0.5559% | 2,696 |
| Noninterest expense to average assets | 3.6992% | 767 |
| Loan and lease loss provision to assets | 0.1839% | 1,074 |
| Net operating income to assets | 0.6703% | 4,119 |
| Return on assets (ROA) | 0.6703% | 4,177 |
| Pretax return on assets | 1.0157% | 3,622 |
| Return on Equity (ROE) | 5.0944% | 4,496 |
| Retained earnings to average equity (ytd only) | 3.0598% | 4,085 |
| Net charge-offs to loans | 0.0680% | 2,146 |
| Credit loss provision to net charge-offs | 333.3333% | 894 |
| Earnings coverage of net charge-offs (x) | 21.7403% | 1,899 |
| Efficiency ratio | 75.5111% | 1,662 |
| Assets per employee ($millions) | 3.7453% | 4,386 |
| Cash dividends to net income (ytd only)* | 39.9387% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 2,596 |
| Loan loss allowance to noncurrent loans | 1,072.3077% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 4,756 |
| Noncurrent loans to loans | 0.1173% | 4,587 |
| Net loans and leases to total assets | 81.1706% | 812 |
| Net loans and leases to deposits | 96.2044% | 1,101 |
| Net loans and leases to core deposits | 97.1833% | 1,958 |
| Total domestic deposits to total assets | 84.3731% | 2,968 |
| Equity capital to assets | 15.3791% | 657 |
| Core capital (leverage) ratio | 15.7730% | 523 |
| Tier 1 risk-based capital ratio | 19.3497% | 1,509 |
| Total risk-based capital ratio | 20.6013% | 1,466 |
| Memoranda: | ||
| Average total assets | $65,237,750 | 4,913 |
| Average earning assets | $61,018,500 | 4,890 |
| Average equity | $8,584,250 | 4,736 |
| Average total loans | $52,940,000 | 4,426 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8276% | 814 |
| Cost of funding earning assets | 0.1916% | 5,055 |
| Net interest margin | 4.6359% | 446 |
| Noninterest income to average assets | 0.5921% | 2,498 |
| Noninterest expense to average assets | 3.7420% | 727 |
| Loan and lease loss provision to assets | 0.1860% | 1,017 |
| Net operating income to assets | 0.6696% | 3,983 |
| Return on assets (ROA) | 0.6696% | 4,041 |
| Pretax return on assets | 1.0138% | 3,510 |
| Return on Equity (ROE) | 5.4070% | 4,309 |
| Retained earnings to average equity (ytd only) | 2.1277% | 4,403 |
| Net charge-offs to loans | 0.1075% | 1,558 |
| Credit loss provision to net charge-offs | 214.2857% | 1,208 |
| Earnings coverage of net charge-offs (x) | 13.8214% | 2,112 |
| Efficiency ratio | 75.7215% | 1,767 |
| Assets per employee ($millions) | 3.5739% | 4,615 |
| Cash dividends to net income (ytd only)* | 60.6481% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 81.1581% | 795 |
| Net loans and leases to deposits | 92.9945% | 1,360 |
| Net loans and leases to core deposits | 93.9535% | 2,158 |
| Total domestic deposits to total assets | 87.2719% | 1,819 |
| Equity capital to assets | 12.5323% | 1,605 |
| Core capital (leverage) ratio | 12.4344% | 1,397 |
| Tier 1 risk-based capital ratio | 15.8957% | 2,546 |
| Total risk-based capital ratio | 17.1475% | 2,486 |
| Memoranda: | ||
| Average total assets | $64,511,670 | 4,963 |
| Average earning assets | $60,527,330 | 4,936 |
| Average equity | $7,989,670 | 4,862 |
| Average total loans | $52,113,670 | 4,464 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7962% | 752 |
| Cost of funding earning assets | 0.1820% | 5,139 |
| Net interest margin | 4.6142% | 433 |
| Noninterest income to average assets | 0.6006% | 2,414 |
| Noninterest expense to average assets | 3.7955% | 685 |
| Loan and lease loss provision to assets | 0.1858% | 912 |
| Net operating income to assets | 0.6687% | 3,842 |
| Return on assets (ROA) | 0.6687% | 3,884 |
| Pretax return on assets | 1.0154% | 3,303 |
| Return on Equity (ROE) | 5.4316% | 4,180 |
| Retained earnings to average equity (ytd only) | -1.1567% | 5,088 |
| Net charge-offs to loans | 0.2706% | 677 |
| Credit loss provision to net charge-offs | 85.7143% | 1,715 |
| Earnings coverage of net charge-offs (x) | 5.5429% | 2,283 |
| Efficiency ratio | 75.9603% | 1,912 |
| Assets per employee ($millions) | 3.5636% | 4,693 |
| Cash dividends to net income (ytd only)* | 121.2963% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 3,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 81.2765% | 663 |
| Net loans and leases to deposits | 93.0034% | 1,225 |
| Net loans and leases to core deposits | 93.9639% | 1,990 |
| Total domestic deposits to total assets | 87.3909% | 2,036 |
| Equity capital to assets | 12.3753% | 1,618 |
| Core capital (leverage) ratio | 12.1761% | 1,518 |
| Tier 1 risk-based capital ratio | 15.4504% | 2,775 |
| Total risk-based capital ratio | 16.6784% | 2,718 |
| Memoranda: | ||
| Average total assets | $64,602,500 | 5,017 |
| Average earning assets | $61,548,500 | 4,962 |
| Average equity | $7,953,500 | 4,907 |
| Average total loans | $51,732,500 | 4,512 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 1,593 |
| Cost of funding earning assets | 0.1637% | 5,329 |
| Net interest margin | 4.3175% | 906 |
| Noninterest income to average assets | 0.5629% | 2,853 |
| Noninterest expense to average assets | 3.8437% | 738 |
| Loan and lease loss provision to assets | 0.1204% | 2,055 |
| Net operating income to assets | 0.4650% | 4,754 |
| Return on assets (ROA) | 0.4650% | 4,833 |
| Pretax return on assets | 0.6863% | 4,536 |
| Return on Equity (ROE) | 3.9294% | 4,859 |
| Retained earnings to average equity (ytd only) | 3.9294% | 3,130 |
| Net charge-offs to loans | 0.0341% | 3,350 |
| Credit loss provision to net charge-offs | 470.5882% | 692 |
| Earnings coverage of net charge-offs (x) | 31.5294% | 1,386 |
| Efficiency ratio | 82.6537% | 1,127 |
| Assets per employee ($millions) | 3.0981% | 5,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 76.9539% | 1,373 |
| Net loans and leases to deposits | 87.7860% | 1,951 |
| Net loans and leases to core deposits | 88.6754% | 2,614 |
| Total domestic deposits to total assets | 87.6608% | 1,807 |
| Equity capital to assets | 12.2485% | 1,656 |
| Core capital (leverage) ratio | 11.8846% | 1,677 |
| Tier 1 risk-based capital ratio | 15.9710% | 2,558 |
| Total risk-based capital ratio | 17.2250% | 2,492 |
| Memoranda: | ||
| Average total assets | $66,446,400 | 5,002 |
| Average earning assets | $62,907,400 | 4,964 |
| Average equity | $7,863,800 | 4,956 |
| Average total loans | $49,900,000 | 4,578 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4613% | 1,660 |
| Cost of funding earning assets | 0.1604% | 5,412 |
| Net interest margin | 4.3009% | 924 |
| Noninterest income to average assets | 0.5689% | 2,822 |
| Noninterest expense to average assets | 3.7668% | 777 |
| Loan and lease loss provision to assets | 0.0998% | 2,239 |
| Net operating income to assets | 0.5090% | 4,665 |
| Return on assets (ROA) | 0.5090% | 4,764 |
| Pretax return on assets | 0.7705% | 4,410 |
| Return on Equity (ROE) | 4.3380% | 4,781 |
| Retained earnings to average equity (ytd only) | 4.3380% | 3,235 |
| Net charge-offs to loans | 0.0644% | 2,425 |
| Credit loss provision to net charge-offs | 208.3333% | 1,400 |
| Earnings coverage of net charge-offs (x) | 18.1663% | 2,008 |
| Efficiency ratio | 81.2312% | 1,277 |
| Assets per employee ($millions) | 3.2583% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 3,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 70.8075% | 2,374 |
| Net loans and leases to deposits | 80.2192% | 2,933 |
| Net loans and leases to core deposits | 81.3957% | 3,330 |
| Total domestic deposits to total assets | 88.2674% | 1,255 |
| Equity capital to assets | 11.6259% | 2,416 |
| Core capital (leverage) ratio | 11.8017% | 1,811 |
| Tier 1 risk-based capital ratio | 15.7944% | 2,704 |
| Total risk-based capital ratio | 16.9898% | 2,667 |
| Memoranda: | ||
| Average total assets | $66,792,750 | 5,040 |
| Average earning assets | $63,179,250 | 4,998 |
| Average equity | $7,837,500 | 5,015 |
| Average total loans | $49,699,750 | 4,625 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 1,437 |
| Cost of funding earning assets | 0.1593% | 5,485 |
| Net interest margin | 4.3688% | 818 |
| Noninterest income to average assets | 0.5947% | 2,647 |
| Noninterest expense to average assets | 3.8793% | 692 |
| Loan and lease loss provision to assets | 0.0604% | 2,931 |
| Net operating income to assets | 0.5344% | 4,545 |
| Return on assets (ROA) | 0.5344% | 4,654 |
| Pretax return on assets | 0.7940% | 4,304 |
| Return on Equity (ROE) | 4.5394% | 4,702 |
| Retained earnings to average equity (ytd only) | 4.5394% | 3,023 |
| Net charge-offs to loans | 0.4608% | 484 |
| Credit loss provision to net charge-offs | 17.3913% | 2,950 |
| Earnings coverage of net charge-offs (x) | 2.4609% | 3,270 |
| Efficiency ratio | 81.9515% | 1,277 |
| Assets per employee ($millions) | 3.2778% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 4,700 |
| Loan loss allowance to noncurrent loans | 6,814.2857% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 5,574 |
| Noncurrent loans to loans | 0.0142% | 5,428 |
| Net loans and leases to total assets | 74.7224% | 1,699 |
| Net loans and leases to deposits | 85.0139% | 2,349 |
| Net loans and leases to core deposits | 86.3202% | 2,869 |
| Total domestic deposits to total assets | 87.8943% | 1,484 |
| Equity capital to assets | 12.0142% | 2,116 |
| Core capital (leverage) ratio | 11.6404% | 1,879 |
| Tier 1 risk-based capital ratio | 15.5185% | 2,855 |
| Total risk-based capital ratio | 16.4652% | 2,912 |
| Memoranda: | ||
| Average total assets | $66,248,670 | 5,095 |
| Average earning assets | $62,763,670 | 5,057 |
| Average equity | $7,798,330 | 5,065 |
| Average total loans | $49,917,000 | 4,648 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4750% | 1,582 |
| Cost of funding earning assets | 0.1519% | 5,594 |
| Net interest margin | 4.3231% | 885 |
| Noninterest income to average assets | 0.6367% | 2,334 |
| Noninterest expense to average assets | 3.9823% | 618 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5646% | 4,347 |
| Return on assets (ROA) | 0.5646% | 4,450 |
| Pretax return on assets | 0.7568% | 4,345 |
| Return on Equity (ROE) | 4.8457% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.8457% | 3,038 |
| Net charge-offs to loans | 0.1914% | 1,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.2500% | 2,344 |
| Efficiency ratio | 84.0304% | 1,154 |
| Assets per employee ($millions) | 3.3626% | 5,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 4,280 |
| Loan loss allowance to noncurrent loans | 26,400.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 5,674 |
| Noncurrent loans to loans | 0.0040% | 5,518 |
| Net loans and leases to total assets | 73.2350% | 1,841 |
| Net loans and leases to deposits | 83.0304% | 2,426 |
| Net loans and leases to core deposits | 84.2692% | 2,910 |
| Total domestic deposits to total assets | 88.2026% | 1,529 |
| Equity capital to assets | 11.6205% | 2,322 |
| Core capital (leverage) ratio | 11.5576% | 1,936 |
| Tier 1 risk-based capital ratio | 14.9554% | 3,183 |
| Total risk-based capital ratio | 15.9727% | 3,220 |
| Memoranda: | ||
| Average total assets | $66,595,000 | 5,134 |
| Average earning assets | $63,195,000 | 5,095 |
| Average equity | $7,759,500 | 5,098 |
| Average total loans | $50,144,500 | 4,669 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 1,554 |
| Cost of funding earning assets | 0.1412% | 5,741 |
| Net interest margin | 4.3709% | 845 |
| Noninterest income to average assets | 0.6561% | 2,432 |
| Noninterest expense to average assets | 3.7855% | 879 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6606% | 3,992 |
| Return on assets (ROA) | 0.6561% | 4,106 |
| Pretax return on assets | 0.9849% | 3,526 |
| Return on Equity (ROE) | 5.7096% | 4,183 |
| Retained earnings to average equity (ytd only) | 0.4812% | 5,323 |
| Net charge-offs to loans | 0.0042% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 331.0000% | 211 |
| Efficiency ratio | 79.2801% | 1,782 |
| Assets per employee ($millions) | 3.6632% | 4,540 |
| Cash dividends to net income (ytd only)* | 91.5718% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 4,087 |
| Loan loss allowance to noncurrent loans | 968.4211% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 5,282 |
| Noncurrent loans to loans | 0.1129% | 5,050 |
| Net loans and leases to total assets | 75.7636% | 1,456 |
| Net loans and leases to deposits | 85.8427% | 2,152 |
| Net loans and leases to core deposits | 87.1470% | 2,679 |
| Total domestic deposits to total assets | 88.2587% | 1,502 |
| Equity capital to assets | 11.6837% | 2,206 |
| Core capital (leverage) ratio | 11.4248% | 2,019 |
| Tier 1 risk-based capital ratio | 14.7667% | 3,293 |
| Total risk-based capital ratio | 15.8329% | 3,312 |
| Memoranda: | ||
| Average total assets | $66,912,800 | 5,160 |
| Average earning assets | $63,052,800 | 5,108 |
| Average equity | $7,688,800 | 5,115 |
| Average total loans | $47,955,000 | 4,727 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4863% | 1,633 |
| Cost of funding earning assets | 0.1393% | 5,857 |
| Net interest margin | 4.3470% | 878 |
| Noninterest income to average assets | 0.6492% | 2,489 |
| Noninterest expense to average assets | 3.7503% | 905 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6512% | 4,126 |
| Return on assets (ROA) | 0.6512% | 4,237 |
| Pretax return on assets | 0.9867% | 3,667 |
| Return on Equity (ROE) | 5.6906% | 4,308 |
| Retained earnings to average equity (ytd only) | 2.2034% | 4,779 |
| Net charge-offs to loans | 0.0338% | 3,238 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 41.4156% | 1,209 |
| Efficiency ratio | 79.1702% | 1,776 |
| Assets per employee ($millions) | 3.6929% | 4,461 |
| Cash dividends to net income (ytd only)* | 61.2801% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 4,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 77.3559% | 1,201 |
| Net loans and leases to deposits | 87.9095% | 1,916 |
| Net loans and leases to core deposits | 88.7761% | 2,579 |
| Total domestic deposits to total assets | 87.9949% | 1,556 |
| Equity capital to assets | 11.7628% | 2,296 |
| Core capital (leverage) ratio | 11.6338% | 1,934 |
| Tier 1 risk-based capital ratio | 15.0281% | 3,276 |
| Total risk-based capital ratio | 16.0814% | 3,319 |
| Memoranda: | ||
| Average total assets | $67,156,500 | 5,216 |
| Average earning assets | $63,153,500 | 5,173 |
| Average equity | $7,685,000 | 5,181 |
| Average total loans | $47,316,500 | 4,802 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3139% | 2,123 |
| Cost of funding earning assets | 0.1394% | 5,923 |
| Net interest margin | 4.1746% | 1,162 |
| Noninterest income to average assets | 0.6470% | 2,490 |
| Noninterest expense to average assets | 3.7308% | 953 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5580% | 4,528 |
| Return on assets (ROA) | 0.5580% | 4,634 |
| Pretax return on assets | 0.8281% | 4,214 |
| Return on Equity (ROE) | 4.9213% | 4,655 |
| Retained earnings to average equity (ytd only) | -0.3403% | 5,576 |
| Net charge-offs to loans | 0.0393% | 2,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,336 |
| Efficiency ratio | 81.8359% | 1,512 |
| Assets per employee ($millions) | 3.7065% | 4,412 |
| Cash dividends to net income (ytd only)* | 106.9149% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 4,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 70.5712% | 2,229 |
| Net loans and leases to deposits | 79.8342% | 2,811 |
| Net loans and leases to core deposits | 80.6133% | 3,320 |
| Total domestic deposits to total assets | 88.3973% | 1,444 |
| Equity capital to assets | 11.4843% | 2,428 |
| Core capital (leverage) ratio | 11.1169% | 2,316 |
| Tier 1 risk-based capital ratio | 15.8195% | 2,945 |
| Total risk-based capital ratio | 16.9511% | 2,951 |
| Memoranda: | ||
| Average total assets | $67,384,670 | 5,268 |
| Average earning assets | $63,144,000 | 5,220 |
| Average equity | $7,640,330 | 5,234 |
| Average total loans | $45,768,000 | 4,897 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1507% | 2,630 |
| Cost of funding earning assets | 0.1321% | 6,046 |
| Net interest margin | 4.0186% | 1,495 |
| Noninterest income to average assets | 0.6557% | 2,378 |
| Noninterest expense to average assets | 3.7804% | 901 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4962% | 4,700 |
| Return on assets (ROA) | 0.4962% | 4,821 |
| Pretax return on assets | 0.6497% | 4,766 |
| Return on Equity (ROE) | 4.4040% | 4,802 |
| Retained earnings to average equity (ytd only) | -6.1341% | 5,995 |
| Net charge-offs to loans | 0.0803% | 1,907 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 12.2222% | 1,809 |
| Efficiency ratio | 85.3333% | 1,240 |
| Assets per employee ($millions) | 3.5621% | 4,795 |
| Cash dividends to net income (ytd only)* | 239.2857% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 3,720 |
| Loan loss allowance to noncurrent loans | 579.7872% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 5,401 |
| Noncurrent loans to loans | 0.2147% | 5,012 |
| Net loans and leases to total assets | 63.8987% | 3,103 |
| Net loans and leases to deposits | 72.0418% | 3,531 |
| Net loans and leases to core deposits | 72.7325% | 3,896 |
| Total domestic deposits to total assets | 88.6966% | 1,454 |
| Equity capital to assets | 11.1940% | 2,759 |
| Core capital (leverage) ratio | 11.0453% | 2,370 |
| Tier 1 risk-based capital ratio | 15.9048% | 2,966 |
| Total risk-based capital ratio | 17.0587% | 2,947 |
| Memoranda: | ||
| Average total assets | $67,718,500 | 5,313 |
| Average earning assets | $63,604,000 | 5,259 |
| Average equity | $7,629,500 | 5,278 |
| Average total loans | $44,838,000 | 4,955 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5483% | 1,701 |
| Cost of funding earning assets | 0.1399% | 6,157 |
| Net interest margin | 4.4084% | 873 |
| Noninterest income to average assets | 0.7676% | 2,002 |
| Noninterest expense to average assets | 3.7301% | 1,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8679% | 3,032 |
| Return on assets (ROA) | 0.8679% | 3,124 |
| Pretax return on assets | 1.1567% | 2,845 |
| Return on Equity (ROE) | 7.7202% | 3,262 |
| Retained earnings to average equity (ytd only) | 4.9890% | 2,606 |
| Net charge-offs to loans | 0.0431% | 3,960 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 38.0500% | 1,128 |
| Efficiency ratio | 76.3297% | 2,461 |
| Assets per employee ($millions) | 3.5662% | 4,784 |
| Cash dividends to net income (ytd only)* | 35.3765% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 3,952 |
| Loan loss allowance to noncurrent loans | 577.0833% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 5,464 |
| Noncurrent loans to loans | 0.2092% | 5,066 |
| Net loans and leases to total assets | 66.9013% | 2,747 |
| Net loans and leases to deposits | 75.4913% | 3,256 |
| Net loans and leases to core deposits | 76.2160% | 3,685 |
| Total domestic deposits to total assets | 88.6213% | 1,458 |
| Equity capital to assets | 11.3389% | 2,573 |
| Core capital (leverage) ratio | 11.2624% | 2,168 |
| Tier 1 risk-based capital ratio | 15.3567% | 3,289 |
| Total risk-based capital ratio | 16.4723% | 3,316 |
| Memoranda: | ||
| Average total assets | $65,788,600 | 5,403 |
| Average earning assets | $61,474,000 | 5,355 |
| Average equity | $7,396,200 | 5,327 |
| Average total loans | $46,361,000 | 4,937 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5214% | 1,792 |
| Cost of funding earning assets | 0.1421% | 6,230 |
| Net interest margin | 4.3793% | 911 |
| Noninterest income to average assets | 0.8066% | 1,870 |
| Noninterest expense to average assets | 3.6836% | 1,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8699% | 3,075 |
| Return on assets (ROA) | 0.8699% | 3,166 |
| Pretax return on assets | 1.2129% | 2,725 |
| Return on Equity (ROE) | 7.7547% | 3,338 |
| Retained earnings to average equity (ytd only) | 4.0775% | 3,746 |
| Net charge-offs to loans | 0.0057% | 4,494 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 296.6217% | 236 |
| Efficiency ratio | 75.2294% | 2,630 |
| Assets per employee ($millions) | 3.6863% | 4,515 |
| Cash dividends to net income (ytd only)* | 47.4181% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 4,188 |
| Loan loss allowance to noncurrent loans | 184.5161% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 4,495 |
| Noncurrent loans to loans | 0.6536% | 3,979 |
| Net loans and leases to total assets | 70.6208% | 2,090 |
| Net loans and leases to deposits | 79.7994% | 2,719 |
| Net loans and leases to core deposits | 80.5802% | 3,243 |
| Total domestic deposits to total assets | 88.4979% | 1,501 |
| Equity capital to assets | 11.3484% | 2,631 |
| Core capital (leverage) ratio | 11.2287% | 2,287 |
| Tier 1 risk-based capital ratio | 14.5807% | 3,830 |
| Total risk-based capital ratio | 15.6962% | 3,862 |
| Memoranda: | ||
| Average total assets | $65,296,250 | 5,472 |
| Average earning assets | $60,982,500 | 5,429 |
| Average equity | $7,324,500 | 5,383 |
| Average total loans | $46,480,000 | 4,985 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 1,875 |
| Cost of funding earning assets | 0.1423% | 6,310 |
| Net interest margin | 4.3438% | 947 |
| Noninterest income to average assets | 0.9208% | 1,420 |
| Noninterest expense to average assets | 3.6801% | 1,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9547% | 2,531 |
| Return on assets (ROA) | 0.9547% | 2,620 |
| Pretax return on assets | 1.2842% | 2,320 |
| Return on Equity (ROE) | 8.5447% | 2,815 |
| Retained earnings to average equity (ytd only) | 2.9768% | 4,311 |
| Net charge-offs to loans | -0.0866% | 6,099 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1315% | 2,956 |
| Assets per employee ($millions) | 4.1311% | 3,583 |
| Cash dividends to net income (ytd only)* | 65.1613% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 3,881 |
| Loan loss allowance to noncurrent loans | 148.1297% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 4,149 |
| Noncurrent loans to loans | 0.8733% | 3,513 |
| Net loans and leases to total assets | 68.5724% | 2,313 |
| Net loans and leases to deposits | 77.2344% | 2,897 |
| Net loans and leases to core deposits | 77.9906% | 3,439 |
| Total domestic deposits to total assets | 88.7848% | 1,482 |
| Equity capital to assets | 11.1335% | 2,747 |
| Core capital (leverage) ratio | 11.0703% | 2,359 |
| Tier 1 risk-based capital ratio | 14.2975% | 4,065 |
| Total risk-based capital ratio | 15.4610% | 4,053 |
| Memoranda: | ||
| Average total assets | $64,944,000 | 5,530 |
| Average earning assets | $60,453,670 | 5,491 |
| Average equity | $7,256,000 | 5,424 |
| Average total loans | $46,163,000 | 5,026 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 1,430 |
| Cost of funding earning assets | 0.1394% | 6,403 |
| Net interest margin | 4.4888% | 674 |
| Noninterest income to average assets | 0.6214% | 2,614 |
| Noninterest expense to average assets | 3.9026% | 856 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6649% | 3,870 |
| Return on assets (ROA) | 0.6649% | 3,960 |
| Pretax return on assets | 0.9197% | 3,625 |
| Return on Equity (ROE) | 5.9407% | 4,052 |
| Retained earnings to average equity (ytd only) | -5.2745% | 6,138 |
| Net charge-offs to loans | -0.1556% | 6,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9278% | 2,060 |
| Assets per employee ($millions) | 3.9011% | 4,141 |
| Cash dividends to net income (ytd only)* | 188.7850% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 4,123 |
| Loan loss allowance to noncurrent loans | 159.8383% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 4,470 |
| Noncurrent loans to loans | 0.8132% | 3,844 |
| Net loans and leases to total assets | 67.8976% | 2,237 |
| Net loans and leases to deposits | 76.2570% | 2,787 |
| Net loans and leases to core deposits | 76.9977% | 3,307 |
| Total domestic deposits to total assets | 89.0378% | 1,635 |
| Equity capital to assets | 10.7978% | 2,941 |
| Core capital (leverage) ratio | 11.2160% | 2,210 |
| Tier 1 risk-based capital ratio | 14.5608% | 3,975 |
| Total risk-based capital ratio | 15.7779% | 3,946 |
| Memoranda: | ||
| Average total assets | $64,367,000 | 5,617 |
| Average earning assets | $60,238,500 | 5,557 |
| Average equity | $7,204,500 | 5,466 |
| Average total loans | $46,285,000 | 5,071 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4820% | 2,277 |
| Cost of funding earning assets | 0.1699% | 6,442 |
| Net interest margin | 4.3120% | 1,078 |
| Noninterest income to average assets | 0.7981% | 2,088 |
| Noninterest expense to average assets | 3.7185% | 1,260 |
| Loan and lease loss provision to assets | 0.0896% | 3,320 |
| Net operating income to assets | 0.6557% | 4,006 |
| Return on assets (ROA) | 0.6557% | 4,108 |
| Pretax return on assets | 1.0076% | 3,321 |
| Return on Equity (ROE) | 5.8214% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.8214% | 2,081 |
| Net charge-offs to loans | -0.1042% | 6,482 |
| Credit loss provision to net charge-offs | -127.2727% | 5,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2169% | 2,588 |
| Assets per employee ($millions) | 3.4675% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 4,532 |
| Loan loss allowance to noncurrent loans | 153.0667% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 4,434 |
| Noncurrent loans to loans | 0.7988% | 3,981 |
| Net loans and leases to total assets | 74.2994% | 1,297 |
| Net loans and leases to deposits | 84.1420% | 1,923 |
| Net loans and leases to core deposits | 85.0181% | 2,560 |
| Total domestic deposits to total assets | 88.3025% | 2,004 |
| Equity capital to assets | 11.6126% | 2,089 |
| Core capital (leverage) ratio | 11.3858% | 2,045 |
| Tier 1 risk-based capital ratio | 15.0284% | 3,646 |
| Total risk-based capital ratio | 16.2284% | 3,625 |
| Memoranda: | ||
| Average total assets | $62,525,400 | 5,691 |
| Average earning assets | $58,255,600 | 5,646 |
| Average equity | $7,043,000 | 5,555 |
| Average total loans | $42,228,400 | 5,257 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4126% | 2,554 |
| Cost of funding earning assets | 0.1741% | 6,528 |
| Net interest margin | 4.2385% | 1,227 |
| Noninterest income to average assets | 0.7822% | 2,239 |
| Noninterest expense to average assets | 3.6214% | 1,363 |
| Loan and lease loss provision to assets | 0.0895% | 3,268 |
| Net operating income to assets | 0.6693% | 4,017 |
| Return on assets (ROA) | 0.6693% | 4,159 |
| Pretax return on assets | 1.0146% | 3,453 |
| Return on Equity (ROE) | 5.9879% | 4,193 |
| Retained earnings to average equity (ytd only) | 5.9879% | 2,414 |
| Net charge-offs to loans | -0.1267% | 6,555 |
| Credit loss provision to net charge-offs | -107.6923% | 5,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6351% | 2,623 |
| Assets per employee ($millions) | 2.7333% | 6,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 4,597 |
| Loan loss allowance to noncurrent loans | 92.9530% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.9480% | 3,775 |
| Noncurrent loans to loans | 1.3551% | 3,153 |
| Net loans and leases to total assets | 69.0792% | 2,128 |
| Net loans and leases to deposits | 78.0812% | 2,656 |
| Net loans and leases to core deposits | 78.8854% | 3,243 |
| Total domestic deposits to total assets | 88.4709% | 1,855 |
| Equity capital to assets | 11.2921% | 2,479 |
| Core capital (leverage) ratio | 11.3510% | 2,164 |
| Tier 1 risk-based capital ratio | 15.1696% | 3,650 |
| Total risk-based capital ratio | 16.3627% | 3,630 |
| Memoranda: | ||
| Average total assets | $62,553,000 | 5,751 |
| Average earning assets | $58,195,500 | 5,705 |
| Average equity | $6,991,750 | 5,637 |
| Average total loans | $41,048,500 | 5,351 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3928% | 2,591 |
| Cost of funding earning assets | 0.1827% | 6,559 |
| Net interest margin | 4.2101% | 1,253 |
| Noninterest income to average assets | 0.7911% | 2,231 |
| Noninterest expense to average assets | 3.6286% | 1,368 |
| Loan and lease loss provision to assets | 0.0897% | 3,291 |
| Net operating income to assets | 0.6533% | 4,045 |
| Return on assets (ROA) | 0.6533% | 4,211 |
| Pretax return on assets | 0.9832% | 3,586 |
| Return on Equity (ROE) | 5.8654% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.8654% | 2,510 |
| Net charge-offs to loans | -0.1597% | 6,608 |
| Credit loss provision to net charge-offs | -87.5000% | 5,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1798% | 2,596 |
| Assets per employee ($millions) | 2.8507% | 6,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 4,422 |
| Loan loss allowance to noncurrent loans | 131.2808% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.6474% | 4,611 |
| Noncurrent loans to loans | 1.0026% | 3,930 |
| Net loans and leases to total assets | 63.7168% | 2,964 |
| Net loans and leases to deposits | 71.8382% | 3,473 |
| Net loans and leases to core deposits | 72.9290% | 3,939 |
| Total domestic deposits to total assets | 88.6949% | 1,782 |
| Equity capital to assets | 11.1616% | 2,597 |
| Core capital (leverage) ratio | 11.0855% | 2,278 |
| Tier 1 risk-based capital ratio | 15.9246% | 3,241 |
| Total risk-based capital ratio | 17.1485% | 3,203 |
| Memoranda: | ||
| Average total assets | $62,448,330 | 5,792 |
| Average earning assets | $58,003,670 | 5,751 |
| Average equity | $6,956,000 | 5,695 |
| Average total loans | $40,070,670 | 5,423 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3341% | 2,751 |
| Cost of funding earning assets | 0.1942% | 6,601 |
| Net interest margin | 4.1399% | 1,351 |
| Noninterest income to average assets | 0.8281% | 2,006 |
| Noninterest expense to average assets | 3.6717% | 1,292 |
| Loan and lease loss provision to assets | 0.0899% | 3,162 |
| Net operating income to assets | 0.6547% | 3,932 |
| Return on assets (ROA) | 0.6547% | 4,090 |
| Pretax return on assets | 0.8987% | 3,769 |
| Return on Equity (ROE) | 5.8840% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.8840% | 2,744 |
| Net charge-offs to loans | -0.2509% | 6,733 |
| Credit loss provision to net charge-offs | -56.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7879% | 2,489 |
| Assets per employee ($millions) | 3.0024% | 5,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 4,917 |
| Loan loss allowance to noncurrent loans | 109.1684% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.7439% | 4,509 |
| Noncurrent loans to loans | 1.1497% | 3,861 |
| Net loans and leases to total assets | 63.8890% | 2,729 |
| Net loans and leases to deposits | 71.9694% | 3,182 |
| Net loans and leases to core deposits | 73.4055% | 3,649 |
| Total domestic deposits to total assets | 88.7724% | 1,818 |
| Equity capital to assets | 11.0626% | 2,888 |
| Core capital (leverage) ratio | 11.1359% | 2,149 |
| Tier 1 risk-based capital ratio | 15.7543% | 3,398 |
| Total risk-based capital ratio | 16.9349% | 3,400 |
| Memoranda: | ||
| Average total assets | $62,315,000 | 5,856 |
| Average earning assets | $57,682,000 | 5,807 |
| Average equity | $6,934,000 | 5,762 |
| Average total loans | $39,859,500 | 5,467 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7831% | 2,256 |
| Cost of funding earning assets | 0.3255% | 6,332 |
| Net interest margin | 4.4575% | 1,028 |
| Noninterest income to average assets | 0.7836% | 2,336 |
| Noninterest expense to average assets | 3.8538% | 1,161 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7346% | 3,587 |
| Return on assets (ROA) | 0.7346% | 3,826 |
| Pretax return on assets | 1.0690% | 3,276 |
| Return on Equity (ROE) | 6.3389% | 3,995 |
| Retained earnings to average equity (ytd only) | 0.5100% | 5,593 |
| Net charge-offs to loans | 0.2121% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 7.5357% | 2,580 |
| Efficiency ratio | 78.2847% | 2,398 |
| Assets per employee ($millions) | 2.9324% | 6,105 |
| Cash dividends to net income (ytd only)* | 91.9540% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 5,046 |
| Loan loss allowance to noncurrent loans | 685.5072% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 6,299 |
| Noncurrent loans to loans | 0.1773% | 6,034 |
| Net loans and leases to total assets | 62.4424% | 3,179 |
| Net loans and leases to deposits | 70.3708% | 3,658 |
| Net loans and leases to core deposits | 72.5660% | 3,966 |
| Total domestic deposits to total assets | 88.7334% | 1,743 |
| Equity capital to assets | 11.1936% | 2,743 |
| Core capital (leverage) ratio | 11.0245% | 2,234 |
| Tier 1 risk-based capital ratio | 16.1849% | 3,057 |
| Total risk-based capital ratio | 17.3224% | 3,078 |
| Memoranda: | ||
| Average total assets | $59,214,600 | 5,939 |
| Average earning assets | $54,985,800 | 5,890 |
| Average equity | $6,862,400 | 5,804 |
| Average total loans | $39,600,600 | 5,523 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8381% | 2,250 |
| Cost of funding earning assets | 0.3590% | 6,336 |
| Net interest margin | 4.4790% | 1,030 |
| Noninterest income to average assets | 0.7619% | 2,419 |
| Noninterest expense to average assets | 3.9437% | 1,011 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6527% | 4,128 |
| Return on assets (ROA) | 0.6527% | 4,396 |
| Pretax return on assets | 0.9894% | 3,755 |
| Return on Equity (ROE) | 5.5824% | 4,548 |
| Retained earnings to average equity (ytd only) | 1.6533% | 5,505 |
| Net charge-offs to loans | 0.4224% | 2,405 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.4523% | 3,638 |
| Efficiency ratio | 79.9447% | 2,100 |
| Assets per employee ($millions) | 2.7320% | 6,452 |
| Cash dividends to net income (ytd only)* | 70.3836% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 5,568 |
| Loan loss allowance to noncurrent loans | 607.0423% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 6,424 |
| Noncurrent loans to loans | 0.1874% | 6,142 |
| Net loans and leases to total assets | 62.3203% | 3,330 |
| Net loans and leases to deposits | 70.7376% | 3,796 |
| Net loans and leases to core deposits | 73.3746% | 4,066 |
| Total domestic deposits to total assets | 88.1006% | 1,986 |
| Equity capital to assets | 11.5916% | 2,655 |
| Core capital (leverage) ratio | 11.4315% | 2,033 |
| Tier 1 risk-based capital ratio | 16.4959% | 3,002 |
| Total risk-based capital ratio | 17.5446% | 3,081 |
| Memoranda: | ||
| Average total assets | $58,623,250 | 6,024 |
| Average earning assets | $54,593,500 | 5,974 |
| Average equity | $6,854,750 | 5,869 |
| Average total loans | $39,769,500 | 5,585 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9343% | 1,980 |
| Cost of funding earning assets | 0.3884% | 6,341 |
| Net interest margin | 4.5459% | 917 |
| Noninterest income to average assets | 0.7466% | 2,434 |
| Noninterest expense to average assets | 4.0186% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6399% | 4,165 |
| Return on assets (ROA) | 0.6399% | 4,418 |
| Pretax return on assets | 0.9565% | 3,864 |
| Return on Equity (ROE) | 5.4567% | 4,605 |
| Retained earnings to average equity (ytd only) | -0.4694% | 6,117 |
| Net charge-offs to loans | 0.3169% | 2,761 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 4.3438% | 3,115 |
| Efficiency ratio | 80.7746% | 2,068 |
| Assets per employee ($millions) | 2.7784% | 6,437 |
| Cash dividends to net income (ytd only)* | 108.6022% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 5,221 |
| Loan loss allowance to noncurrent loans | 177.3381% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 5,297 |
| Noncurrent loans to loans | 0.6924% | 5,119 |
| Net loans and leases to total assets | 67.9721% | 2,293 |
| Net loans and leases to deposits | 77.1771% | 2,805 |
| Net loans and leases to core deposits | 80.1370% | 3,195 |
| Total domestic deposits to total assets | 88.0729% | 2,096 |
| Equity capital to assets | 11.7317% | 2,381 |
| Core capital (leverage) ratio | 11.3832% | 1,982 |
| Tier 1 risk-based capital ratio | 16.1099% | 3,119 |
| Total risk-based capital ratio | 17.2990% | 3,108 |
| Memoranda: | ||
| Average total assets | $58,129,670 | 6,074 |
| Average earning assets | $54,070,670 | 6,026 |
| Average equity | $6,817,330 | 5,902 |
| Average total loans | $40,396,670 | 5,583 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9315% | 2,130 |
| Cost of funding earning assets | 0.4227% | 6,299 |
| Net interest margin | 4.5088% | 995 |
| Noninterest income to average assets | 0.8066% | 2,137 |
| Noninterest expense to average assets | 4.1915% | 755 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6067% | 4,314 |
| Return on assets (ROA) | 0.6067% | 4,526 |
| Pretax return on assets | 0.8066% | 4,392 |
| Return on Equity (ROE) | 5.1738% | 4,704 |
| Retained earnings to average equity (ytd only) | -6.7024% | 6,702 |
| Net charge-offs to loans | 0.5923% | 1,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.9500% | 3,359 |
| Efficiency ratio | 83.8621% | 1,702 |
| Assets per employee ($millions) | 2.9063% | 6,341 |
| Cash dividends to net income (ytd only)* | 229.5455% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 5,377 |
| Loan loss allowance to noncurrent loans | 199.5984% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 5,294 |
| Noncurrent loans to loans | 0.6137% | 5,432 |
| Net loans and leases to total assets | 68.9433% | 1,952 |
| Net loans and leases to deposits | 78.1962% | 2,473 |
| Net loans and leases to core deposits | 81.6088% | 2,884 |
| Total domestic deposits to total assets | 88.1671% | 2,205 |
| Equity capital to assets | 11.6041% | 2,350 |
| Core capital (leverage) ratio | 11.4664% | 1,915 |
| Tier 1 risk-based capital ratio | 15.6500% | 3,362 |
| Total risk-based capital ratio | 16.8319% | 3,368 |
| Memoranda: | ||
| Average total assets | $58,021,500 | 6,117 |
| Average earning assets | $53,939,500 | 6,067 |
| Average equity | $6,803,500 | 5,931 |
| Average total loans | $40,519,000 | 5,621 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1134% | 2,402 |
| Cost of funding earning assets | 0.4923% | 6,567 |
| Net interest margin | 4.6211% | 883 |
| Noninterest income to average assets | 0.9100% | 1,641 |
| Noninterest expense to average assets | 4.0151% | 1,020 |
| Loan and lease loss provision to assets | 0.1267% | 5,030 |
| Net operating income to assets | 0.7217% | 3,379 |
| Return on assets (ROA) | 0.7217% | 3,549 |
| Pretax return on assets | 1.0473% | 3,043 |
| Return on Equity (ROE) | 6.1375% | 3,800 |
| Retained earnings to average equity (ytd only) | 4.0717% | 3,294 |
| Net charge-offs to loans | 0.1716% | 4,783 |
| Credit loss provision to net charge-offs | 105.8824% | 3,224 |
| Earnings coverage of net charge-offs (x) | 9.8088% | 1,930 |
| Efficiency ratio | 77.3745% | 2,685 |
| Assets per employee ($millions) | 2.7580% | 6,519 |
| Cash dividends to net income (ytd only)* | 33.6585% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 4,577 |
| Loan loss allowance to noncurrent loans | 618.8889% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 6,410 |
| Noncurrent loans to loans | 0.2224% | 6,294 |
| Net loans and leases to total assets | 68.9090% | 2,223 |
| Net loans and leases to deposits | 78.4056% | 2,773 |
| Net loans and leases to core deposits | 81.4307% | 3,259 |
| Total domestic deposits to total assets | 87.8878% | 2,231 |
| Equity capital to assets | 11.8480% | 2,242 |
| Core capital (leverage) ratio | 11.6005% | 1,823 |
| Tier 1 risk-based capital ratio | 16.1077% | 2,990 |
| Total risk-based capital ratio | 17.3588% | 2,950 |
| Memoranda: | ||
| Average total assets | $56,811,200 | 6,143 |
| Average earning assets | $52,606,400 | 6,103 |
| Average equity | $6,680,200 | 5,962 |
| Average total loans | $39,627,800 | 5,709 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1235% | 2,500 |
| Cost of funding earning assets | 0.5044% | 6,678 |
| Net interest margin | 4.6190% | 912 |
| Noninterest income to average assets | 0.8490% | 1,842 |
| Noninterest expense to average assets | 4.0871% | 910 |
| Loan and lease loss provision to assets | 0.1274% | 4,840 |
| Net operating income to assets | 0.6014% | 4,081 |
| Return on assets (ROA) | 0.6014% | 4,257 |
| Pretax return on assets | 0.9103% | 3,719 |
| Return on Equity (ROE) | 5.1244% | 4,481 |
| Retained earnings to average equity (ytd only) | 2.3513% | 4,940 |
| Net charge-offs to loans | 0.0643% | 5,323 |
| Credit loss provision to net charge-offs | 284.2105% | 1,007 |
| Earnings coverage of net charge-offs (x) | 23.1603% | 1,127 |
| Efficiency ratio | 79.7515% | 2,288 |
| Assets per employee ($millions) | 2.7442% | 6,588 |
| Cash dividends to net income (ytd only)* | 54.1192% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4572% | 4,305 |
| Loan loss allowance to noncurrent loans | 426.0870% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 6,458 |
| Noncurrent loans to loans | 0.3420% | 6,164 |
| Net loans and leases to total assets | 69.0012% | 2,274 |
| Net loans and leases to deposits | 78.5431% | 2,884 |
| Net loans and leases to core deposits | 83.2248% | 3,159 |
| Total domestic deposits to total assets | 87.8514% | 2,128 |
| Equity capital to assets | 11.6870% | 2,510 |
| Core capital (leverage) ratio | 11.2708% | 2,178 |
| Tier 1 risk-based capital ratio | 15.7388% | 3,258 |
| Total risk-based capital ratio | 16.9904% | 3,219 |
| Memoranda: | ||
| Average total assets | $56,534,750 | 6,196 |
| Average earning assets | $52,333,000 | 6,157 |
| Average equity | $6,634,750 | 6,017 |
| Average total loans | $39,418,000 | 5,770 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1681% | 2,383 |
| Cost of funding earning assets | 0.5018% | 6,842 |
| Net interest margin | 4.6664% | 791 |
| Noninterest income to average assets | 0.8403% | 1,836 |
| Noninterest expense to average assets | 4.0911% | 926 |
| Loan and lease loss provision to assets | 0.1282% | 4,688 |
| Net operating income to assets | 0.6231% | 3,945 |
| Return on assets (ROA) | 0.6231% | 4,073 |
| Pretax return on assets | 0.9258% | 3,529 |
| Return on Equity (ROE) | 5.3020% | 4,309 |
| Retained earnings to average equity (ytd only) | 1.1210% | 5,413 |
| Net charge-offs to loans | 0.0972% | 4,709 |
| Credit loss provision to net charge-offs | 189.4737% | 1,597 |
| Earnings coverage of net charge-offs (x) | 15.5789% | 1,397 |
| Efficiency ratio | 79.5156% | 2,464 |
| Assets per employee ($millions) | 2.4240% | 7,001 |
| Cash dividends to net income (ytd only)* | 78.8571% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 4,497 |
| Loan loss allowance to noncurrent loans | 575.7576% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 6,671 |
| Noncurrent loans to loans | 0.2457% | 6,427 |
| Net loans and leases to total assets | 68.2778% | 2,564 |
| Net loans and leases to deposits | 77.3494% | 3,244 |
| Net loans and leases to core deposits | 80.6309% | 3,702 |
| Total domestic deposits to total assets | 88.2720% | 1,981 |
| Equity capital to assets | 11.4306% | 2,573 |
| Core capital (leverage) ratio | 11.3471% | 2,012 |
| Tier 1 risk-based capital ratio | 15.3897% | 3,299 |
| Total risk-based capital ratio | 16.6405% | 3,249 |
| Memoranda: | ||
| Average total assets | $56,170,330 | 6,258 |
| Average earning assets | $51,817,670 | 6,225 |
| Average equity | $6,601,330 | 6,054 |
| Average total loans | $39,106,670 | 5,839 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2919% | 1,891 |
| Cost of funding earning assets | 0.5055% | 6,952 |
| Net interest margin | 4.7864% | 585 |
| Noninterest income to average assets | 0.8701% | 1,771 |
| Noninterest expense to average assets | 4.3069% | 723 |
| Loan and lease loss provision to assets | 0.1305% | 4,369 |
| Net operating income to assets | 0.6308% | 3,863 |
| Return on assets (ROA) | 0.6308% | 3,931 |
| Pretax return on assets | 0.8266% | 3,803 |
| Return on Equity (ROE) | 5.2912% | 4,247 |
| Retained earnings to average equity (ytd only) | -3.1017% | 6,317 |
| Net charge-offs to loans | 0.1662% | 3,481 |
| Credit loss provision to net charge-offs | 112.5000% | 2,382 |
| Earnings coverage of net charge-offs (x) | 8.2500% | 1,840 |
| Efficiency ratio | 81.8182% | 2,253 |
| Assets per employee ($millions) | 2.2691% | 7,206 |
| Cash dividends to net income (ytd only)* | 158.6207% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 4,635 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 68.6046% | 2,426 |
| Net loans and leases to deposits | 77.7287% | 3,109 |
| Net loans and leases to core deposits | 80.6842% | 3,645 |
| Total domestic deposits to total assets | 88.2615% | 2,217 |
| Equity capital to assets | 11.5428% | 2,229 |
| Core capital (leverage) ratio | 11.7279% | 1,719 |
| Tier 1 risk-based capital ratio | 15.6383% | 3,081 |
| Total risk-based capital ratio | 16.8900% | 3,039 |
| Memoranda: | ||
| Average total assets | $55,167,000 | 6,339 |
| Average earning assets | $50,643,000 | 6,322 |
| Average equity | $6,577,000 | 6,068 |
| Average total loans | $38,514,000 | 5,918 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5466% | 2,094 |
| Cost of funding earning assets | 0.5937% | 7,141 |
| Net interest margin | 4.9529% | 483 |
| Noninterest income to average assets | 0.9756% | 1,585 |
| Noninterest expense to average assets | 4.6260% | 580 |
| Loan and lease loss provision to assets | 0.1432% | 5,752 |
| Net operating income to assets | 0.5518% | 3,881 |
| Return on assets (ROA) | 0.5518% | 4,035 |
| Pretax return on assets | 0.7618% | 3,753 |
| Return on Equity (ROE) | 4.4370% | 4,325 |
| Retained earnings to average equity (ytd only) | 3.3623% | 3,513 |
| Net charge-offs to loans | 0.6246% | 3,156 |
| Credit loss provision to net charge-offs | 33.6323% | 6,467 |
| Earnings coverage of net charge-offs (x) | 2.1256% | 4,129 |
| Efficiency ratio | 83.6382% | 1,961 |
| Assets per employee ($millions) | 2.1442% | 7,339 |
| Cash dividends to net income (ytd only)* | 24.2215% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4725% | 4,167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 69.0259% | 2,750 |
| Net loans and leases to deposits | 78.7880% | 3,369 |
| Net loans and leases to core deposits | 80.6355% | 4,111 |
| Total domestic deposits to total assets | 87.6096% | 2,477 |
| Equity capital to assets | 12.3232% | 1,731 |
| Core capital (leverage) ratio | 12.2436% | 1,412 |
| Tier 1 risk-based capital ratio | 16.5430% | 2,505 |
| Total risk-based capital ratio | 17.7948% | 2,480 |
| Memoranda: | ||
| Average total assets | $52,377,600 | 6,452 |
| Average earning assets | $48,174,000 | 6,424 |
| Average equity | $6,513,400 | 6,195 |
| Average total loans | $35,703,000 | 6,127 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6262% | 1,962 |
| Cost of funding earning assets | 0.6199% | 7,249 |
| Net interest margin | 5.0063% | 439 |
| Noninterest income to average assets | 0.9628% | 1,574 |
| Noninterest expense to average assets | 4.6065% | 532 |
| Loan and lease loss provision to assets | 0.1920% | 5,123 |
| Net operating income to assets | 0.5044% | 4,295 |
| Return on assets (ROA) | 0.5044% | 4,488 |
| Pretax return on assets | 0.7554% | 4,065 |
| Return on Equity (ROE) | 4.0470% | 4,758 |
| Retained earnings to average equity (ytd only) | 2.6090% | 4,590 |
| Net charge-offs to loans | 0.9875% | 2,028 |
| Credit loss provision to net charge-offs | 28.7356% | 6,168 |
| Earnings coverage of net charge-offs (x) | 1.4176% | 4,664 |
| Efficiency ratio | 82.9414% | 1,956 |
| Assets per employee ($millions) | 2.0622% | 7,492 |
| Cash dividends to net income (ytd only)* | 35.5326% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 4,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 66.9563% | 3,471 |
| Net loans and leases to deposits | 76.9145% | 4,023 |
| Net loans and leases to core deposits | 78.3530% | 4,762 |
| Total domestic deposits to total assets | 87.0529% | 2,500 |
| Equity capital to assets | 12.7395% | 1,725 |
| Core capital (leverage) ratio | 12.0416% | 1,645 |
| Tier 1 risk-based capital ratio | 17.1117% | 2,301 |
| Total risk-based capital ratio | 18.3632% | 2,262 |
| Memoranda: | ||
| Average total assets | $52,070,500 | 6,536 |
| Average earning assets | $47,751,750 | 6,518 |
| Average equity | $6,490,250 | 6,281 |
| Average total loans | $35,240,000 | 6,229 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6935% | 1,793 |
| Cost of funding earning assets | 0.6415% | 7,318 |
| Net interest margin | 5.0520% | 375 |
| Noninterest income to average assets | 0.9265% | 1,598 |
| Noninterest expense to average assets | 4.5672% | 536 |
| Loan and lease loss provision to assets | 0.2297% | 4,615 |
| Net operating income to assets | 0.5245% | 4,220 |
| Return on assets (ROA) | 0.5245% | 4,377 |
| Pretax return on assets | 0.7427% | 4,097 |
| Return on Equity (ROE) | 4.2386% | 4,670 |
| Retained earnings to average equity (ytd only) | 2.0729% | 4,823 |
| Net charge-offs to loans | 1.2462% | 1,529 |
| Credit loss provision to net charge-offs | 27.2727% | 5,773 |
| Earnings coverage of net charge-offs (x) | 1.1545% | 4,640 |
| Efficiency ratio | 82.4464% | 2,105 |
| Assets per employee ($millions) | 2.0813% | 7,530 |
| Cash dividends to net income (ytd only)* | 51.0949% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 3,910 |
| Loan loss allowance to noncurrent loans | 54,100.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 7,426 |
| Noncurrent loans to loans | 0.0028% | 7,338 |
| Net loans and leases to total assets | 68.0799% | 3,338 |
| Net loans and leases to deposits | 77.9835% | 3,966 |
| Net loans and leases to core deposits | 79.4207% | 4,755 |
| Total domestic deposits to total assets | 87.3004% | 2,380 |
| Equity capital to assets | 12.5228% | 1,785 |
| Core capital (leverage) ratio | 11.9493% | 1,672 |
| Tier 1 risk-based capital ratio | 17.4714% | 2,109 |
| Total risk-based capital ratio | 18.7251% | 2,072 |
| Memoranda: | ||
| Average total assets | $52,242,000 | 6,574 |
| Average earning assets | $47,703,670 | 6,561 |
| Average equity | $6,464,330 | 6,311 |
| Average total loans | $35,308,330 | 6,273 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3945% | 3,061 |
| Cost of funding earning assets | 0.6577% | 7,418 |
| Net interest margin | 4.7368% | 719 |
| Noninterest income to average assets | 0.9093% | 1,588 |
| Noninterest expense to average assets | 4.5543% | 544 |
| Loan and lease loss provision to assets | 0.2292% | 4,210 |
| Net operating income to assets | 0.4126% | 4,784 |
| Return on assets (ROA) | 0.4126% | 4,927 |
| Pretax return on assets | 0.4738% | 5,050 |
| Return on Equity (ROE) | 3.3548% | 5,186 |
| Retained earnings to average equity (ytd only) | -0.9940% | 6,048 |
| Net charge-offs to loans | 2.3899% | 702 |
| Credit loss provision to net charge-offs | 14.3541% | 5,006 |
| Earnings coverage of net charge-offs (x) | 0.4402% | 4,634 |
| Efficiency ratio | 86.6279% | 1,728 |
| Assets per employee ($millions) | 2.0835% | 7,623 |
| Cash dividends to net income (ytd only)* | 129.6296% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 4,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 7,424 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 67.7040% | 3,464 |
| Net loans and leases to deposits | 77.4085% | 4,143 |
| Net loans and leases to core deposits | 81.1025% | 4,607 |
| Total domestic deposits to total assets | 87.4633% | 2,380 |
| Equity capital to assets | 12.3678% | 1,830 |
| Core capital (leverage) ratio | 12.0165% | 1,647 |
| Tier 1 risk-based capital ratio | 17.2733% | 2,163 |
| Total risk-based capital ratio | 18.5267% | 2,117 |
| Memoranda: | ||
| Average total assets | $52,346,500 | 6,654 |
| Average earning assets | $48,049,000 | 6,625 |
| Average equity | $6,438,500 | 6,370 |
| Average total loans | $34,980,000 | 6,370 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5935% | 3,641 |
| Cost of funding earning assets | 0.9640% | 7,279 |
| Net interest margin | 4.6295% | 932 |
| Noninterest income to average assets | 1.0315% | 1,464 |
| Noninterest expense to average assets | 4.4684% | 818 |
| Loan and lease loss provision to assets | 0.6375% | 3,253 |
| Net operating income to assets | 0.1427% | 5,075 |
| Return on assets (ROA) | 0.5633% | 3,552 |
| Pretax return on assets | 0.6052% | 3,890 |
| Return on Equity (ROE) | 4.6843% | 3,805 |
| Retained earnings to average equity (ytd only) | 4.3678% | 2,185 |
| Net charge-offs to loans | 0.3605% | 4,427 |
| Credit loss provision to net charge-offs | 279.1667% | 1,223 |
| Earnings coverage of net charge-offs (x) | 3.6000% | 3,276 |
| Efficiency ratio | 84.4604% | 2,295 |
| Assets per employee ($millions) | 2.0233% | 7,717 |
| Cash dividends to net income (ytd only)* | 6.7568% | 3,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0513% | 1,910 |
| Loan loss allowance to noncurrent loans | 167.7033% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.8801% | 5,344 |
| Noncurrent loans to loans | 1.2232% | 4,904 |
| Net loans and leases to total assets | 63.6277% | 4,673 |
| Net loans and leases to deposits | 72.9015% | 5,209 |
| Net loans and leases to core deposits | 88.4029% | 5,284 |
| Total domestic deposits to total assets | 87.2790% | 2,341 |
| Equity capital to assets | 12.2324% | 1,890 |
| Core capital (leverage) ratio | 11.8280% | 1,745 |
| Tier 1 risk-based capital ratio | 17.8286% | 1,934 |
| Total risk-based capital ratio | 19.1074% | 1,885 |
| Memoranda: | ||
| Average total assets | $52,546,800 | 6,614 |
| Average earning assets | $48,341,800 | 6,585 |
| Average equity | $6,319,000 | 6,492 |
| Average total loans | $33,283,400 | 6,445 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6189% | 3,750 |
| Cost of funding earning assets | 1.0246% | 7,333 |
| Net interest margin | 4.5943% | 1,000 |
| Noninterest income to average assets | 1.0152% | 1,544 |
| Noninterest expense to average assets | 4.4695% | 771 |
| Loan and lease loss provision to assets | 0.3122% | 4,476 |
| Net operating income to assets | 0.3274% | 4,687 |
| Return on assets (ROA) | 0.8325% | 2,749 |
| Pretax return on assets | 0.9721% | 2,985 |
| Return on Equity (ROE) | 6.9526% | 3,093 |
| Retained earnings to average equity (ytd only) | 6.5288% | 1,700 |
| Net charge-offs to loans | 0.1936% | 4,848 |
| Credit loss provision to net charge-offs | 256.2500% | 1,669 |
| Earnings coverage of net charge-offs (x) | 6.3956% | 2,613 |
| Efficiency ratio | 85.1547% | 2,164 |
| Assets per employee ($millions) | 2.0360% | 7,771 |
| Cash dividends to net income (ytd only)* | 6.0985% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6809% | 2,693 |
| Loan loss allowance to noncurrent loans | 106.2500% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 1.0843% | 4,911 |
| Noncurrent loans to loans | 1.5821% | 4,265 |
| Net loans and leases to total assets | 61.9862% | 5,246 |
| Net loans and leases to deposits | 71.2057% | 5,774 |
| Net loans and leases to core deposits | 87.6369% | 5,678 |
| Total domestic deposits to total assets | 87.0523% | 2,153 |
| Equity capital to assets | 12.2828% | 2,077 |
| Core capital (leverage) ratio | 11.8288% | 1,882 |
| Tier 1 risk-based capital ratio | 17.5855% | 2,101 |
| Total risk-based capital ratio | 18.8404% | 2,059 |
| Memoranda: | ||
| Average total assets | $52,532,000 | 6,660 |
| Average earning assets | $48,406,750 | 6,632 |
| Average equity | $6,290,000 | 6,561 |
| Average total loans | $33,061,000 | 6,506 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7318% | 3,382 |
| Cost of funding earning assets | 1.0610% | 7,450 |
| Net interest margin | 4.6708% | 841 |
| Noninterest income to average assets | 0.9695% | 1,692 |
| Noninterest expense to average assets | 4.4659% | 800 |
| Loan and lease loss provision to assets | 0.3435% | 3,873 |
| Net operating income to assets | 0.3397% | 4,721 |
| Return on assets (ROA) | 1.0993% | 1,851 |
| Pretax return on assets | 1.2214% | 2,240 |
| Return on Equity (ROE) | 9.2614% | 2,268 |
| Retained earnings to average equity (ytd only) | 8.6183% | 1,030 |
| Net charge-offs to loans | -0.4066% | 8,090 |
| Credit loss provision to net charge-offs | -134.3284% | 6,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7212% | 2,392 |
| Assets per employee ($millions) | 2.0110% | 7,844 |
| Cash dividends to net income (ytd only)* | 6.9444% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9741% | 1,628 |
| Loan loss allowance to noncurrent loans | 118.6347% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 1.0672% | 4,832 |
| Noncurrent loans to loans | 1.6641% | 3,998 |
| Net loans and leases to total assets | 61.0653% | 5,507 |
| Net loans and leases to deposits | 69.9271% | 5,995 |
| Net loans and leases to core deposits | 84.0122% | 6,088 |
| Total domestic deposits to total assets | 87.3271% | 2,087 |
| Equity capital to assets | 12.1660% | 2,116 |
| Core capital (leverage) ratio | 11.8625% | 1,898 |
| Tier 1 risk-based capital ratio | 17.7898% | 2,073 |
| Total risk-based capital ratio | 19.0473% | 2,018 |
| Memoranda: | ||
| Average total assets | $52,397,330 | 6,728 |
| Average earning assets | $48,257,000 | 6,700 |
| Average equity | $6,219,330 | 6,630 |
| Average total loans | $32,956,670 | 6,555 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8600% | 2,986 |
| Cost of funding earning assets | 1.1554% | 7,404 |
| Net interest margin | 4.7047% | 757 |
| Noninterest income to average assets | 0.8846% | 1,913 |
| Noninterest expense to average assets | 4.2857% | 863 |
| Loan and lease loss provision to assets | 0.1144% | 5,503 |
| Net operating income to assets | 0.6024% | 4,000 |
| Return on assets (ROA) | 0.6024% | 4,195 |
| Pretax return on assets | 0.8007% | 4,074 |
| Return on Equity (ROE) | 5.1395% | 4,413 |
| Retained earnings to average equity (ytd only) | 3.8383% | 3,757 |
| Net charge-offs to loans | -0.3258% | 8,077 |
| Credit loss provision to net charge-offs | -55.5556% | 6,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4047% | 2,484 |
| Assets per employee ($millions) | 1.9923% | 7,907 |
| Cash dividends to net income (ytd only)* | 25.3165% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 2,533 |
| Loan loss allowance to noncurrent loans | 171.9870% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.6255% | 5,617 |
| Noncurrent loans to loans | 0.9287% | 5,143 |
| Net loans and leases to total assets | 62.8004% | 5,191 |
| Net loans and leases to deposits | 71.5480% | 5,805 |
| Net loans and leases to core deposits | 86.2933% | 5,880 |
| Total domestic deposits to total assets | 87.7739% | 1,859 |
| Equity capital to assets | 11.9829% | 2,271 |
| Core capital (leverage) ratio | 11.5835% | 2,097 |
| Tier 1 risk-based capital ratio | 17.0318% | 2,328 |
| Total risk-based capital ratio | 18.2837% | 2,263 |
| Memoranda: | ||
| Average total assets | $52,453,500 | 6,761 |
| Average earning assets | $48,122,500 | 6,744 |
| Average equity | $6,148,500 | 6,710 |
| Average total loans | $33,149,500 | 6,580 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0783% | 5,150 |
| Cost of funding earning assets | 1.6638% | 7,330 |
| Net interest margin | 4.4145% | 1,645 |
| Noninterest income to average assets | 0.9229% | 1,882 |
| Noninterest expense to average assets | 4.0841% | 1,305 |
| Loan and lease loss provision to assets | 0.6165% | 2,360 |
| Net operating income to assets | 0.1835% | 5,900 |
| Return on assets (ROA) | 0.1835% | 5,731 |
| Pretax return on assets | 0.2238% | 5,677 |
| Return on Equity (ROE) | 1.6339% | 5,729 |
| Retained earnings to average equity (ytd only) | -4.6566% | 6,451 |
| Net charge-offs to loans | 1.3061% | 913 |
| Credit loss provision to net charge-offs | 76.1905% | 5,974 |
| Earnings coverage of net charge-offs (x) | 1.0385% | 5,610 |
| Efficiency ratio | 82.9359% | 2,190 |
| Assets per employee ($millions) | 2.0426% | 7,879 |
| Cash dividends to net income (ytd only)* | 385.0000% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 2,872 |
| Loan loss allowance to noncurrent loans | 98.9817% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.9245% | 4,521 |
| Noncurrent loans to loans | 1.4771% | 3,586 |
| Net loans and leases to total assets | 61.6762% | 5,671 |
| Net loans and leases to deposits | 69.7746% | 6,296 |
| Net loans and leases to core deposits | 83.8560% | 6,301 |
| Total domestic deposits to total assets | 88.3935% | 1,291 |
| Equity capital to assets | 11.4672% | 2,658 |
| Core capital (leverage) ratio | 11.0494% | 2,553 |
| Tier 1 risk-based capital ratio | 16.3454% | 2,538 |
| Total risk-based capital ratio | 17.5973% | 2,477 |
| Memoranda: | ||
| Average total assets | $54,504,200 | 6,603 |
| Average earning assets | $49,405,600 | 6,620 |
| Average equity | $6,120,400 | 6,761 |
| Average total loans | $33,763,400 | 6,499 |