Home > Citizens State Bank of Milford > Performance and Condition Ratios
Citizens State Bank of Milford, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3372% | 3,380 |
| Cost of funding earning assets | 0.3173% | 4,367 |
| Net interest margin | 4.0199% | 1,179 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.9420% | 1,202 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.9238% | 2,476 |
| Return on assets (ROA) | 0.9238% | 2,444 |
| Pretax return on assets | 0.9238% | 2,898 |
| Return on Equity (ROE) | 17.1800% | 927 |
| Retained earnings to average equity (ytd only) | 17.1817% | 213 |
| Net charge-offs to loans | 0.2231% | 488 |
| Credit loss provision to net charge-offs | 60.0000% | 2,148 |
| Earnings coverage of net charge-offs (x) | 11.3200% | 2,198 |
| Efficiency ratio | 75.0990% | 1,339 |
| Assets per employee ($millions) | 5.1816% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4635% | 4,361 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 41.0600% | 3,999 |
| Net loans and leases to deposits | 44.3800% | 4,093 |
| Net loans and leases to core deposits | 45.2500% | 4,174 |
| Total domestic deposits to total assets | 92.5300% | 226 |
| Equity capital to assets | 6.5108% | 4,109 |
| Core capital (leverage) ratio | 8.4912% | 4,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1763% | 2,178 |
| Memoranda: | ||
| Average total assets | $58,021,000 | 4,232 |
| Average earning assets | $52,638,000 | 4,220 |
| Average equity | $3,119,600 | 4,417 |
| Average total loans | $22,412,000 | 4,261 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2904% | 3,310 |
| Cost of funding earning assets | 0.3090% | 4,352 |
| Net interest margin | 3.9814% | 1,252 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.8141% | 1,401 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.0227% | 2,293 |
| Return on assets (ROA) | 1.0227% | 2,281 |
| Pretax return on assets | 1.0227% | 2,788 |
| Return on Equity (ROE) | 20.0600% | 716 |
| Retained earnings to average equity (ytd only) | 20.0550% | 258 |
| Net charge-offs to loans | 0.1566% | 538 |
| Credit loss provision to net charge-offs | 19.2308% | 2,017 |
| Earnings coverage of net charge-offs (x) | 17.3846% | 1,903 |
| Efficiency ratio | 73.1272% | 1,439 |
| Assets per employee ($millions) | 4.5729% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4837% | 4,361 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 3,367 |
| Noncurrent loans to loans | 0.1075% | 3,034 |
| Net loans and leases to total assets | 40.4900% | 4,033 |
| Net loans and leases to deposits | 42.8299% | 4,135 |
| Net loans and leases to core deposits | 43.6803% | 4,179 |
| Total domestic deposits to total assets | 94.5300% | 145 |
| Equity capital to assets | 5.0241% | 4,245 |
| Core capital (leverage) ratio | 8.3782% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6942% | 2,009 |
| Memoranda: | ||
| Average total assets | $58,276,750 | 4,244 |
| Average earning assets | $53,078,750 | 4,233 |
| Average equity | $2,971,750 | 4,448 |
| Average total loans | $22,136,250 | 4,287 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2212% | 3,253 |
| Cost of funding earning assets | 0.2353% | 4,393 |
| Net interest margin | 3.9859% | 1,272 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.7571% | 1,505 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.0570% | 2,243 |
| Return on assets (ROA) | 1.0570% | 2,241 |
| Pretax return on assets | 1.0570% | 2,757 |
| Return on Equity (ROE) | 20.6400% | 645 |
| Retained earnings to average equity (ytd only) | 20.6353% | 228 |
| Net charge-offs to loans | 0.2356% | 349 |
| Credit loss provision to net charge-offs | 19.2308% | 1,774 |
| Earnings coverage of net charge-offs (x) | 12.2692% | 1,944 |
| Efficiency ratio | 71.9684% | 1,566 |
| Assets per employee ($millions) | 5.3014% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4918% | 4,381 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 37.4700% | 4,137 |
| Net loans and leases to deposits | 39.6171% | 4,224 |
| Net loans and leases to core deposits | 40.3449% | 4,252 |
| Total domestic deposits to total assets | 94.5900% | 115 |
| Equity capital to assets | 5.3725% | 4,312 |
| Core capital (leverage) ratio | 7.7934% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7167% | 2,017 |
| Memoranda: | ||
| Average total assets | $59,410,667 | 4,253 |
| Average earning assets | $54,392,333 | 4,242 |
| Average equity | $3,043,333 | 4,469 |
| Average total loans | $22,073,000 | 4,301 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0857% | 3,275 |
| Cost of funding earning assets | 0.2185% | 4,343 |
| Net interest margin | 3.8672% | 1,546 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.7286% | 1,597 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0007% | 2,521 |
| Return on assets (ROA) | 1.0007% | 2,492 |
| Pretax return on assets | 1.0007% | 2,993 |
| Return on Equity (ROE) | 20.0100% | 766 |
| Retained earnings to average equity (ytd only) | 20.0100% | 379 |
| Net charge-offs to loans | 0.4700% | 175 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.7692% | 1,800 |
| Efficiency ratio | 73.1664% | 1,418 |
| Assets per employee ($millions) | 5.5345% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4869% | 4,444 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 34.5800% | 4,247 |
| Net loans and leases to deposits | 36.4575% | 4,318 |
| Net loans and leases to core deposits | 37.0941% | 4,340 |
| Total domestic deposits to total assets | 94.8500% | 104 |
| Equity capital to assets | 5.1019% | 4,405 |
| Core capital (leverage) ratio | 7.0147% | 4,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8080% | 2,043 |
| Memoranda: | ||
| Average total assets | $59,958,500 | 4,311 |
| Average earning assets | $54,923,000 | 4,293 |
| Average equity | $2,998,500 | 4,539 |
| Average total loans | $22,129,500 | 4,361 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8873% | 4,249 |
| Cost of funding earning assets | 0.0883% | 4,434 |
| Net interest margin | 2.7990% | 3,898 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 3.0574% | 890 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0071% | 4,558 |
| Return on assets (ROA) | 0.0071% | 4,543 |
| Pretax return on assets | 0.0071% | 4,538 |
| Return on Equity (ROE) | 0.1200% | 4,538 |
| Retained earnings to average equity (ytd only) | 0.1220% | 4,323 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 99.7687% | 151 |
| Assets per employee ($millions) | 5.3671% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5583% | 4,389 |
| Loan loss allowance to noncurrent loans | 339.4737% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 3,159 |
| Noncurrent loans to loans | 0.1645% | 2,665 |
| Net loans and leases to total assets | 38.9200% | 4,101 |
| Net loans and leases to deposits | 40.9361% | 4,216 |
| Net loans and leases to core deposits | 41.2463% | 4,247 |
| Total domestic deposits to total assets | 95.0600% | 133 |
| Equity capital to assets | 4.8968% | 4,386 |
| Core capital (leverage) ratio | 7.2854% | 4,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8540% | 2,430 |
| Memoranda: | ||
| Average total assets | $56,420,800 | 4,376 |
| Average earning assets | $52,090,400 | 4,353 |
| Average equity | $3,277,600 | 4,589 |
| Average total loans | $22,648,600 | 4,366 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6828% | 4,301 |
| Cost of funding earning assets | 0.0827% | 4,399 |
| Net interest margin | 2.6001% | 4,101 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 3.0770% | 816 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.2534% | 4,653 |
| Return on assets (ROA) | -0.2534% | 4,632 |
| Pretax return on assets | -0.2534% | 4,623 |
| Return on Equity (ROE) | -4.1900% | 4,655 |
| Retained earnings to average equity (ytd only) | -4.1885% | 4,580 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 108.9754% | 100 |
| Assets per employee ($millions) | 4.6853% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5447% | 4,438 |
| Loan loss allowance to noncurrent loans | 379.4118% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 3,284 |
| Noncurrent loans to loans | 0.1436% | 2,902 |
| Net loans and leases to total assets | 41.8900% | 3,993 |
| Net loans and leases to deposits | 44.3121% | 4,096 |
| Net loans and leases to core deposits | 44.6684% | 4,157 |
| Total domestic deposits to total assets | 94.5500% | 277 |
| Equity capital to assets | 4.6564% | 4,363 |
| Core capital (leverage) ratio | 7.3622% | 4,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6566% | 2,596 |
| Memoranda: | ||
| Average total assets | $55,766,500 | 4,415 |
| Average earning assets | $51,586,000 | 4,391 |
| Average equity | $3,374,250 | 4,624 |
| Average total loans | $22,534,750 | 4,402 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5217% | 4,357 |
| Cost of funding earning assets | 0.0854% | 4,327 |
| Net interest margin | 2.4364% | 4,181 |
| Noninterest income to average assets | 0.3380% | 3,131 |
| Noninterest expense to average assets | 3.0784% | 755 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.4819% | 4,680 |
| Return on assets (ROA) | -0.4819% | 4,662 |
| Pretax return on assets | -0.4819% | 4,651 |
| Return on Equity (ROE) | -7.3904% | 4,704 |
| Retained earnings to average equity (ytd only) | -7.3904% | 4,604 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.5596% | 82 |
| Assets per employee ($millions) | 4.5343% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5961% | 4,466 |
| Loan loss allowance to noncurrent loans | 460.7143% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.2591% | 2,017 |
| Noncurrent loans to loans | 0.1294% | 3,072 |
| Net loans and leases to total assets | 39.5380% | 4,093 |
| Net loans and leases to deposits | 42.9865% | 4,155 |
| Net loans and leases to core deposits | 43.3529% | 4,209 |
| Total domestic deposits to total assets | 91.9777% | 843 |
| Equity capital to assets | 5.2122% | 4,432 |
| Core capital (leverage) ratio | 7.4540% | 4,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8285% | 2,136 |
| Memoranda: | ||
| Average total assets | $55,614,000 | 4,460 |
| Average earning assets | $51,552,000 | 4,447 |
| Average equity | $3,626,333 | 4,641 |
| Average total loans | $22,151,667 | 4,461 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3871% | 4,390 |
| Cost of funding earning assets | 0.0844% | 4,305 |
| Net interest margin | 2.3026% | 4,234 |
| Noninterest income to average assets | 0.4127% | 2,604 |
| Noninterest expense to average assets | 3.0952% | 693 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.5479% | 4,708 |
| Return on assets (ROA) | -0.5479% | 4,698 |
| Pretax return on assets | -0.5479% | 4,683 |
| Return on Equity (ROE) | -7.6588% | 4,728 |
| Retained earnings to average equity (ytd only) | -7.6588% | 4,517 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.5084% | 84 |
| Assets per employee ($millions) | 4.8993% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6045% | 4,506 |
| Loan loss allowance to noncurrent loans | 496.1538% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 2,220 |
| Noncurrent loans to loans | 0.1218% | 3,216 |
| Net loans and leases to total assets | 36.0770% | 4,205 |
| Net loans and leases to deposits | 38.4964% | 4,305 |
| Net loans and leases to core deposits | 38.9782% | 4,339 |
| Total domestic deposits to total assets | 93.7150% | 143 |
| Equity capital to assets | 6.2237% | 4,524 |
| Core capital (leverage) ratio | 7.0179% | 4,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2329% | 2,103 |
| Memoranda: | ||
| Average total assets | $56,215,500 | 4,480 |
| Average earning assets | $52,114,000 | 4,462 |
| Average equity | $4,021,500 | 4,653 |
| Average total loans | $22,406,500 | 4,477 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3676% | 3,010 |
| Cost of funding earning assets | 0.1471% | 4,008 |
| Net interest margin | 3.2205% | 2,553 |
| Noninterest income to average assets | 0.5656% | 2,298 |
| Noninterest expense to average assets | 3.3014% | 627 |
| Loan and lease loss provision to assets | 0.0150% | 2,781 |
| Net operating income to assets | 0.1691% | 4,564 |
| Return on assets (ROA) | 0.1691% | 4,576 |
| Pretax return on assets | 0.1691% | 4,592 |
| Return on Equity (ROE) | 2.0169% | 4,495 |
| Retained earnings to average equity (ytd only) | 2.0169% | 3,975 |
| Net charge-offs to loans | 0.0215% | 1,837 |
| Credit loss provision to net charge-offs | 160.0000% | 1,453 |
| Earnings coverage of net charge-offs (x) | 19.6000% | 1,868 |
| Efficiency ratio | 94.7170% | 216 |
| Assets per employee ($millions) | 4.4700% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5495% | 4,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 2,511 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 43.5216% | 3,866 |
| Net loans and leases to deposits | 47.4289% | 4,026 |
| Net loans and leases to core deposits | 48.0934% | 4,087 |
| Total domestic deposits to total assets | 91.7617% | 245 |
| Equity capital to assets | 8.1730% | 4,257 |
| Core capital (leverage) ratio | 7.8303% | 4,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7213% | 2,354 |
| Memoranda: | ||
| Average total assets | $53,219,800 | 4,532 |
| Average earning assets | $48,253,600 | 4,525 |
| Average equity | $4,462,200 | 4,677 |
| Average total loans | $23,248,000 | 4,508 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5995% | 2,564 |
| Cost of funding earning assets | 0.1668% | 3,954 |
| Net interest margin | 3.4327% | 2,062 |
| Noninterest income to average assets | 0.5322% | 2,489 |
| Noninterest expense to average assets | 3.1428% | 771 |
| Loan and lease loss provision to assets | 0.0207% | 2,577 |
| Net operating income to assets | 0.4694% | 4,258 |
| Return on assets (ROA) | 0.4694% | 4,299 |
| Pretax return on assets | 0.4694% | 4,407 |
| Return on Equity (ROE) | 5.5632% | 4,007 |
| Retained earnings to average equity (ytd only) | 5.5632% | 3,016 |
| Net charge-offs to loans | 0.0287% | 1,478 |
| Credit loss provision to net charge-offs | 160.0000% | 1,319 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,385 |
| Efficiency ratio | 86.5238% | 418 |
| Assets per employee ($millions) | 4.3290% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5657% | 4,656 |
| Loan loss allowance to noncurrent loans | 3,225.0000% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 2,655 |
| Noncurrent loans to loans | 0.0175% | 4,074 |
| Net loans and leases to total assets | 43.6475% | 3,981 |
| Net loans and leases to deposits | 47.9072% | 4,122 |
| Net loans and leases to core deposits | 48.6045% | 4,208 |
| Total domestic deposits to total assets | 91.1084% | 336 |
| Equity capital to assets | 8.8030% | 3,998 |
| Core capital (leverage) ratio | 8.3411% | 4,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5370% | 2,151 |
| Memoranda: | ||
| Average total assets | $53,114,750 | 4,592 |
| Average earning assets | $47,969,000 | 4,595 |
| Average equity | $4,481,750 | 4,741 |
| Average total loans | $23,191,500 | 4,567 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9326% | 1,735 |
| Cost of funding earning assets | 0.1823% | 3,927 |
| Net interest margin | 3.7503% | 1,220 |
| Noninterest income to average assets | 0.5308% | 2,489 |
| Noninterest expense to average assets | 3.1101% | 828 |
| Loan and lease loss provision to assets | 0.0187% | 2,584 |
| Net operating income to assets | 0.8635% | 3,320 |
| Return on assets (ROA) | 0.8635% | 3,397 |
| Pretax return on assets | 0.8635% | 3,738 |
| Return on Equity (ROE) | 10.3789% | 2,623 |
| Retained earnings to average equity (ytd only) | 10.3789% | 1,291 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9026% | 916 |
| Assets per employee ($millions) | 4.3476% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5863% | 4,672 |
| Loan loss allowance to noncurrent loans | 30.8235% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 2.6892% | 115 |
| Noncurrent loans to loans | 1.9021% | 523 |
| Net loans and leases to total assets | 42.5773% | 4,138 |
| Net loans and leases to deposits | 46.6944% | 4,281 |
| Net loans and leases to core deposits | 47.3706% | 4,353 |
| Total domestic deposits to total assets | 91.1828% | 311 |
| Equity capital to assets | 8.7405% | 4,017 |
| Core capital (leverage) ratio | 7.8959% | 4,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5701% | 1,781 |
| Memoranda: | ||
| Average total assets | $53,503,667 | 4,616 |
| Average earning assets | $49,382,333 | 4,609 |
| Average equity | $4,451,333 | 4,773 |
| Average total loans | $23,321,000 | 4,601 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6768% | 2,419 |
| Cost of funding earning assets | 0.2153% | 3,770 |
| Net interest margin | 3.4615% | 1,929 |
| Noninterest income to average assets | 0.6194% | 2,132 |
| Noninterest expense to average assets | 2.9497% | 1,065 |
| Loan and lease loss provision to assets | 0.0147% | 2,592 |
| Net operating income to assets | 0.8554% | 3,253 |
| Return on assets (ROA) | 0.8554% | 3,335 |
| Pretax return on assets | 0.8554% | 3,706 |
| Return on Equity (ROE) | 10.3815% | 2,569 |
| Retained earnings to average equity (ytd only) | 10.3815% | 1,549 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2201% | 1,027 |
| Assets per employee ($millions) | 4.6237% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5595% | 4,730 |
| Loan loss allowance to noncurrent loans | 18.4971% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 3.0099% | 95 |
| Noncurrent loans to loans | 3.0250% | 257 |
| Net loans and leases to total assets | 40.9992% | 4,292 |
| Net loans and leases to deposits | 44.6503% | 4,402 |
| Net loans and leases to core deposits | 45.2498% | 4,464 |
| Total domestic deposits to total assets | 91.8229% | 181 |
| Equity capital to assets | 8.0816% | 4,445 |
| Core capital (leverage) ratio | 7.6633% | 4,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4273% | 2,111 |
| Memoranda: | ||
| Average total assets | $54,243,000 | 4,629 |
| Average earning assets | $50,152,000 | 4,616 |
| Average equity | $4,469,500 | 4,794 |
| Average total loans | $23,809,500 | 4,620 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7757% | 3,373 |
| Cost of funding earning assets | 0.2388% | 4,429 |
| Net interest margin | 3.5368% | 2,346 |
| Noninterest income to average assets | 0.5585% | 2,382 |
| Noninterest expense to average assets | 3.5705% | 628 |
| Loan and lease loss provision to assets | 0.0105% | 4,229 |
| Net operating income to assets | 0.2301% | 4,535 |
| Return on assets (ROA) | 0.2322% | 4,591 |
| Pretax return on assets | 0.2322% | 4,626 |
| Return on Equity (ROE) | 2.4761% | 4,485 |
| Retained earnings to average equity (ytd only) | 0.2454% | 4,445 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6883% | 278 |
| Assets per employee ($millions) | 3.5335% | 4,637 |
| Cash dividends to net income (ytd only)* | 90.0901% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5092% | 4,787 |
| Loan loss allowance to noncurrent loans | 15.2358% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 3.4055% | 90 |
| Noncurrent loans to loans | 3.3424% | 227 |
| Net loans and leases to total assets | 46.4454% | 4,100 |
| Net loans and leases to deposits | 54.1116% | 4,107 |
| Net loans and leases to core deposits | 54.6086% | 4,231 |
| Total domestic deposits to total assets | 85.8326% | 2,438 |
| Equity capital to assets | 8.4053% | 4,513 |
| Core capital (leverage) ratio | 7.9220% | 4,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8317% | 2,307 |
| Memoranda: | ||
| Average total assets | $47,808,000 | 4,681 |
| Average earning assets | $43,965,800 | 4,671 |
| Average equity | $4,482,800 | 4,803 |
| Average total loans | $24,423,000 | 4,626 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9468% | 3,123 |
| Cost of funding earning assets | 0.2596% | 4,477 |
| Net interest margin | 3.6872% | 1,985 |
| Noninterest income to average assets | 0.5045% | 2,604 |
| Noninterest expense to average assets | 3.5461% | 664 |
| Loan and lease loss provision to assets | 0.0151% | 4,133 |
| Net operating income to assets | 0.3239% | 4,402 |
| Return on assets (ROA) | 0.3268% | 4,455 |
| Pretax return on assets | 0.3268% | 4,520 |
| Return on Equity (ROE) | 3.3854% | 4,320 |
| Retained earnings to average equity (ytd only) | 3.3854% | 3,360 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2915% | 332 |
| Assets per employee ($millions) | 3.5344% | 4,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4777% | 4,832 |
| Loan loss allowance to noncurrent loans | 13.4472% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 3.8702% | 86 |
| Noncurrent loans to loans | 3.5525% | 221 |
| Net loans and leases to total assets | 53.0507% | 3,886 |
| Net loans and leases to deposits | 62.8126% | 3,881 |
| Net loans and leases to core deposits | 63.4395% | 4,034 |
| Total domestic deposits to total assets | 84.4587% | 2,653 |
| Equity capital to assets | 9.3591% | 3,807 |
| Core capital (leverage) ratio | 8.8759% | 3,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4170% | 2,452 |
| Memoranda: | ||
| Average total assets | $46,509,500 | 4,719 |
| Average earning assets | $42,632,750 | 4,712 |
| Average equity | $4,489,750 | 4,829 |
| Average total loans | $24,343,000 | 4,659 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1593% | 2,885 |
| Cost of funding earning assets | 0.2782% | 4,542 |
| Net interest margin | 3.8811% | 1,614 |
| Noninterest income to average assets | 0.4745% | 2,687 |
| Noninterest expense to average assets | 3.5853% | 671 |
| Loan and lease loss provision to assets | 0.0132% | 4,058 |
| Net operating income to assets | 0.4306% | 4,167 |
| Return on assets (ROA) | 0.4350% | 4,220 |
| Pretax return on assets | 0.4350% | 4,362 |
| Return on Equity (ROE) | 4.4568% | 3,988 |
| Retained earnings to average equity (ytd only) | 4.4568% | 2,726 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9858% | 414 |
| Assets per employee ($millions) | 3.3633% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5224% | 4,814 |
| Loan loss allowance to noncurrent loans | 17.8932% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 3.5488% | 107 |
| Noncurrent loans to loans | 2.9195% | 341 |
| Net loans and leases to total assets | 50.1487% | 4,159 |
| Net loans and leases to deposits | 59.9071% | 4,124 |
| Net loans and leases to core deposits | 59.9071% | 4,267 |
| Total domestic deposits to total assets | 83.7107% | 2,846 |
| Equity capital to assets | 9.7885% | 3,381 |
| Core capital (leverage) ratio | 9.2130% | 3,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4946% | 2,003 |
| Memoranda: | ||
| Average total assets | $45,519,000 | 4,751 |
| Average earning assets | $41,689,667 | 4,743 |
| Average equity | $4,442,667 | 4,859 |
| Average total loans | $23,665,333 | 4,698 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 3,463 |
| Cost of funding earning assets | 0.2937% | 4,676 |
| Net interest margin | 3.8274% | 1,884 |
| Noninterest income to average assets | 0.4828% | 2,643 |
| Noninterest expense to average assets | 3.7465% | 666 |
| Loan and lease loss provision to assets | -0.0179% | 5,052 |
| Net operating income to assets | 0.2504% | 4,450 |
| Return on assets (ROA) | 0.2504% | 4,472 |
| Pretax return on assets | 0.2504% | 4,519 |
| Return on Equity (ROE) | 2.5691% | 4,323 |
| Retained earnings to average equity (ytd only) | 2.5691% | 3,242 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1573% | 373 |
| Assets per employee ($millions) | 2.8981% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5065% | 4,867 |
| Loan loss allowance to noncurrent loans | 3,966.6667% | 165 |
| Noncurrent assets plus other real estate owned to assets | 2.2566% | 330 |
| Noncurrent loans to loans | 0.0128% | 4,517 |
| Net loans and leases to total assets | 53.7679% | 4,006 |
| Net loans and leases to deposits | 59.7632% | 4,210 |
| Net loans and leases to core deposits | 59.7632% | 4,367 |
| Total domestic deposits to total assets | 89.9683% | 331 |
| Equity capital to assets | 9.8983% | 3,884 |
| Core capital (leverage) ratio | 9.2833% | 4,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4199% | 2,106 |
| Memoranda: | ||
| Average total assets | $44,735,500 | 4,789 |
| Average earning assets | $40,863,500 | 4,782 |
| Average equity | $4,359,500 | 4,907 |
| Average total loans | $23,629,500 | 4,728 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 3,407 |
| Cost of funding earning assets | 0.2722% | 4,795 |
| Net interest margin | 4.0729% | 1,612 |
| Noninterest income to average assets | 0.6742% | 1,908 |
| Noninterest expense to average assets | 3.8121% | 661 |
| Loan and lease loss provision to assets | 0.0462% | 3,101 |
| Net operating income to assets | 0.5472% | 4,296 |
| Return on assets (ROA) | 0.5472% | 4,356 |
| Pretax return on assets | 0.5472% | 4,498 |
| Return on Equity (ROE) | 5.4238% | 4,096 |
| Retained earnings to average equity (ytd only) | 1.4189% | 4,234 |
| Net charge-offs to loans | -0.0084% | 4,423 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5304% | 515 |
| Assets per employee ($millions) | 3.0666% | 4,790 |
| Cash dividends to net income (ytd only)* | 73.8397% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5091% | 4,877 |
| Loan loss allowance to noncurrent loans | 55.2511% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 2.6022% | 240 |
| Noncurrent loans to loans | 0.9215% | 1,665 |
| Net loans and leases to total assets | 51.4033% | 4,264 |
| Net loans and leases to deposits | 56.9526% | 4,418 |
| Net loans and leases to core deposits | 56.9526% | 4,553 |
| Total domestic deposits to total assets | 90.2563% | 247 |
| Equity capital to assets | 9.6002% | 4,272 |
| Core capital (leverage) ratio | 9.2756% | 4,299 |
| Tier 1 risk-based capital ratio | 13.5244% | 3,508 |
| Total risk-based capital ratio | 13.9115% | 3,854 |
| Memoranda: | ||
| Average total assets | $43,309,400 | 4,851 |
| Average earning assets | $39,677,200 | 4,846 |
| Average equity | $4,369,600 | 4,957 |
| Average total loans | $23,749,600 | 4,788 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3800% | 3,423 |
| Cost of funding earning assets | 0.2659% | 4,886 |
| Net interest margin | 4.1141% | 1,581 |
| Noninterest income to average assets | 0.6067% | 2,170 |
| Noninterest expense to average assets | 3.6650% | 784 |
| Loan and lease loss provision to assets | 0.0500% | 2,898 |
| Net operating income to assets | 0.6661% | 4,120 |
| Return on assets (ROA) | 0.6661% | 4,178 |
| Pretax return on assets | 0.6661% | 4,419 |
| Return on Equity (ROE) | 6.5165% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.5165% | 2,107 |
| Net charge-offs to loans | 0.0112% | 2,959 |
| Credit loss provision to net charge-offs | 800.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 114.3558% | 676 |
| Efficiency ratio | 83.6545% | 637 |
| Assets per employee ($millions) | 2.7729% | 4,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4830% | 4,990 |
| Loan loss allowance to noncurrent loans | 310.8108% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 2.4403% | 291 |
| Noncurrent loans to loans | 0.1554% | 3,980 |
| Net loans and leases to total assets | 56.9639% | 3,967 |
| Net loans and leases to deposits | 64.0646% | 4,166 |
| Net loans and leases to core deposits | 64.0646% | 4,364 |
| Total domestic deposits to total assets | 88.9164% | 640 |
| Equity capital to assets | 10.9586% | 3,134 |
| Core capital (leverage) ratio | 10.5378% | 3,076 |
| Tier 1 risk-based capital ratio | 14.2138% | 3,217 |
| Total risk-based capital ratio | 14.5871% | 3,557 |
| Memoranda: | ||
| Average total assets | $42,637,000 | 4,929 |
| Average earning assets | $39,116,000 | 4,926 |
| Average equity | $4,358,000 | 5,026 |
| Average total loans | $23,745,500 | 4,858 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3191% | 3,587 |
| Cost of funding earning assets | 0.2579% | 4,935 |
| Net interest margin | 4.0611% | 1,722 |
| Noninterest income to average assets | 0.5397% | 2,441 |
| Noninterest expense to average assets | 3.5826% | 865 |
| Loan and lease loss provision to assets | 0.0465% | 2,883 |
| Net operating income to assets | 0.6467% | 4,177 |
| Return on assets (ROA) | 0.6467% | 4,226 |
| Pretax return on assets | 0.6467% | 4,455 |
| Return on Equity (ROE) | 6.4782% | 3,884 |
| Retained earnings to average equity (ytd only) | 6.4782% | 2,064 |
| Net charge-offs to loans | 0.0169% | 2,549 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 74.5000% | 857 |
| Efficiency ratio | 83.7867% | 668 |
| Assets per employee ($millions) | 2.9024% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4603% | 5,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.4069% | 318 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 58.0130% | 3,913 |
| Net loans and leases to deposits | 65.2431% | 4,144 |
| Net loans and leases to core deposits | 65.2431% | 4,347 |
| Total domestic deposits to total assets | 88.9181% | 693 |
| Equity capital to assets | 10.9760% | 3,092 |
| Core capital (leverage) ratio | 10.1428% | 3,453 |
| Tier 1 risk-based capital ratio | 14.1826% | 3,229 |
| Total risk-based capital ratio | 14.5417% | 3,593 |
| Memoranda: | ||
| Average total assets | $42,985,000 | 4,967 |
| Average earning assets | $39,545,670 | 4,963 |
| Average equity | $4,291,330 | 5,071 |
| Average total loans | $23,724,670 | 4,893 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1980% | 3,874 |
| Cost of funding earning assets | 0.2365% | 5,020 |
| Net interest margin | 3.9615% | 1,980 |
| Noninterest income to average assets | 0.5163% | 2,458 |
| Noninterest expense to average assets | 3.5869% | 862 |
| Loan and lease loss provision to assets | 0.0362% | 2,899 |
| Net operating income to assets | 0.5344% | 4,427 |
| Return on assets (ROA) | 0.5344% | 4,451 |
| Pretax return on assets | 0.5344% | 4,616 |
| Return on Equity (ROE) | 5.6097% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.6097% | 2,632 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2745% | 565 |
| Assets per employee ($millions) | 3.0595% | 4,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4704% | 5,114 |
| Loan loss allowance to noncurrent loans | 73.4266% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 2.6171% | 281 |
| Noncurrent loans to loans | 0.6406% | 2,410 |
| Net loans and leases to total assets | 51.8689% | 4,343 |
| Net loans and leases to deposits | 57.6915% | 4,521 |
| Net loans and leases to core deposits | 57.6915% | 4,652 |
| Total domestic deposits to total assets | 89.9073% | 485 |
| Equity capital to assets | 9.9783% | 3,849 |
| Core capital (leverage) ratio | 9.2789% | 4,384 |
| Tier 1 risk-based capital ratio | 14.5079% | 3,099 |
| Total risk-based capital ratio | 14.8683% | 3,458 |
| Memoranda: | ||
| Average total assets | $44,160,500 | 5,002 |
| Average earning assets | $40,591,000 | 4,995 |
| Average equity | $4,207,000 | 5,123 |
| Average total loans | $23,746,000 | 4,950 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8839% | 4,307 |
| Cost of funding earning assets | 0.1923% | 5,033 |
| Net interest margin | 3.6916% | 3,065 |
| Noninterest income to average assets | 0.6874% | 1,895 |
| Noninterest expense to average assets | 3.5434% | 939 |
| Loan and lease loss provision to assets | 0.0222% | 3,724 |
| Net operating income to assets | 0.5699% | 4,501 |
| Return on assets (ROA) | 0.5699% | 4,506 |
| Pretax return on assets | 0.5699% | 4,683 |
| Return on Equity (ROE) | 6.1287% | 4,134 |
| Retained earnings to average equity (ytd only) | 0.1669% | 4,937 |
| Net charge-offs to loans | 0.2140% | 898 |
| Credit loss provision to net charge-offs | 18.5185% | 3,405 |
| Earnings coverage of net charge-offs (x) | 4.9444% | 3,244 |
| Efficiency ratio | 85.6836% | 548 |
| Assets per employee ($millions) | 3.2491% | 4,784 |
| Cash dividends to net income (ytd only)* | 97.2763% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4013% | 5,213 |
| Loan loss allowance to noncurrent loans | 2,020.0000% | 355 |
| Noncurrent assets plus other real estate owned to assets | 2.1610% | 417 |
| Noncurrent loans to loans | 0.0199% | 4,701 |
| Net loans and leases to total assets | 55.1112% | 4,199 |
| Net loans and leases to deposits | 60.7027% | 4,441 |
| Net loans and leases to core deposits | 61.1872% | 4,576 |
| Total domestic deposits to total assets | 90.7888% | 253 |
| Equity capital to assets | 9.1255% | 4,469 |
| Core capital (leverage) ratio | 9.1772% | 4,481 |
| Tier 1 risk-based capital ratio | 12.8610% | 3,929 |
| Total risk-based capital ratio | 13.1720% | 4,366 |
| Memoranda: | ||
| Average total assets | $45,098,400 | 5,030 |
| Average earning assets | $42,122,200 | 5,012 |
| Average equity | $4,193,400 | 5,153 |
| Average total loans | $25,232,000 | 4,929 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8080% | 4,420 |
| Cost of funding earning assets | 0.1860% | 5,071 |
| Net interest margin | 3.6220% | 3,296 |
| Noninterest income to average assets | 0.5985% | 2,317 |
| Noninterest expense to average assets | 3.4843% | 1,000 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5185% | 4,720 |
| Return on assets (ROA) | 0.5185% | 4,722 |
| Pretax return on assets | 0.5185% | 4,876 |
| Return on Equity (ROE) | 5.5502% | 4,402 |
| Retained earnings to average equity (ytd only) | 3.1715% | 4,162 |
| Net charge-offs to loans | 0.2852% | 585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 3.2407% | 3,181 |
| Efficiency ratio | 87.0466% | 457 |
| Assets per employee ($millions) | 3.0995% | 4,964 |
| Cash dividends to net income (ytd only)* | 42.8578% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3648% | 5,319 |
| Loan loss allowance to noncurrent loans | 568.7500% | 968 |
| Noncurrent assets plus other real estate owned to assets | 2.2907% | 414 |
| Noncurrent loans to loans | 0.0641% | 4,596 |
| Net loans and leases to total assets | 57.2765% | 4,107 |
| Net loans and leases to deposits | 63.5100% | 4,360 |
| Net loans and leases to core deposits | 64.5441% | 4,488 |
| Total domestic deposits to total assets | 90.1851% | 447 |
| Equity capital to assets | 9.6836% | 3,927 |
| Core capital (leverage) ratio | 9.8420% | 3,804 |
| Tier 1 risk-based capital ratio | 13.2801% | 3,736 |
| Total risk-based capital ratio | 13.5617% | 4,205 |
| Memoranda: | ||
| Average total assets | $45,001,000 | 5,091 |
| Average earning assets | $42,296,000 | 5,067 |
| Average equity | $4,204,000 | 5,218 |
| Average total loans | $25,247,500 | 4,988 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6803% | 4,626 |
| Cost of funding earning assets | 0.1761% | 5,124 |
| Net interest margin | 3.5042% | 3,613 |
| Noninterest income to average assets | 0.5622% | 2,511 |
| Noninterest expense to average assets | 3.4477% | 1,077 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4348% | 4,887 |
| Return on assets (ROA) | 0.4348% | 4,896 |
| Pretax return on assets | 0.4348% | 5,008 |
| Return on Equity (ROE) | 4.7090% | 4,637 |
| Retained earnings to average equity (ytd only) | 1.1416% | 4,726 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8009% | 417 |
| Assets per employee ($millions) | 3.0800% | 5,045 |
| Cash dividends to net income (ytd only)* | 75.7576% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5596% | 5,177 |
| Loan loss allowance to noncurrent loans | 13.7702% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 2.4420% | 363 |
| Noncurrent loans to loans | 4.0639% | 213 |
| Net loans and leases to total assets | 59.7542% | 3,832 |
| Net loans and leases to deposits | 66.2484% | 4,153 |
| Net loans and leases to core deposits | 67.3339% | 4,293 |
| Total domestic deposits to total assets | 90.1971% | 507 |
| Equity capital to assets | 9.6985% | 3,920 |
| Core capital (leverage) ratio | 9.4495% | 4,179 |
| Tier 1 risk-based capital ratio | 13.0381% | 3,871 |
| Total risk-based capital ratio | 13.4865% | 4,231 |
| Memoranda: | ||
| Average total assets | $45,537,000 | 5,141 |
| Average earning assets | $43,148,330 | 5,104 |
| Average equity | $4,204,670 | 5,277 |
| Average total loans | $25,348,330 | 5,044 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5100% | 4,862 |
| Cost of funding earning assets | 0.1719% | 5,153 |
| Net interest margin | 3.3381% | 4,083 |
| Noninterest income to average assets | 0.5134% | 2,730 |
| Noninterest expense to average assets | 3.4228% | 1,126 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2482% | 5,185 |
| Return on assets (ROA) | 0.2482% | 5,186 |
| Pretax return on assets | 0.2482% | 5,221 |
| Return on Equity (ROE) | 2.7514% | 5,065 |
| Retained earnings to average equity (ytd only) | -4.3643% | 5,165 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2401% | 326 |
| Assets per employee ($millions) | 3.3321% | 4,863 |
| Cash dividends to net income (ytd only)* | 258.6207% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5969% | 5,188 |
| Loan loss allowance to noncurrent loans | 13.9155% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 2.2337% | 456 |
| Noncurrent loans to loans | 4.2891% | 216 |
| Net loans and leases to total assets | 51.7675% | 4,452 |
| Net loans and leases to deposits | 56.8881% | 4,654 |
| Net loans and leases to core deposits | 57.3256% | 4,779 |
| Total domestic deposits to total assets | 90.9987% | 322 |
| Equity capital to assets | 8.8855% | 4,676 |
| Core capital (leverage) ratio | 8.6406% | 5,032 |
| Tier 1 risk-based capital ratio | 13.4479% | 3,692 |
| Total risk-based capital ratio | 13.9183% | 4,035 |
| Memoranda: | ||
| Average total assets | $46,745,500 | 5,170 |
| Average earning assets | $44,216,500 | 5,148 |
| Average equity | $4,216,000 | 5,329 |
| Average total loans | $25,067,000 | 5,102 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4255% | 4,907 |
| Cost of funding earning assets | 0.1561% | 5,228 |
| Net interest margin | 3.2693% | 4,255 |
| Noninterest income to average assets | 0.6261% | 2,328 |
| Noninterest expense to average assets | 3.5327% | 981 |
| Loan and lease loss provision to assets | 0.0813% | 2,577 |
| Net operating income to assets | 0.0945% | 5,265 |
| Return on assets (ROA) | 0.1758% | 5,168 |
| Pretax return on assets | 0.1758% | 5,332 |
| Return on Equity (ROE) | 1.8596% | 5,087 |
| Retained earnings to average equity (ytd only) | 1.8596% | 4,199 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2607% | 266 |
| Assets per employee ($millions) | 3.1228% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5611% | 5,309 |
| Loan loss allowance to noncurrent loans | 13.2784% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 2.3312% | 423 |
| Noncurrent loans to loans | 4.2260% | 214 |
| Net loans and leases to total assets | 54.8546% | 4,282 |
| Net loans and leases to deposits | 60.4332% | 4,540 |
| Net loans and leases to core deposits | 60.9016% | 4,710 |
| Total domestic deposits to total assets | 90.7690% | 310 |
| Equity capital to assets | 9.1520% | 4,574 |
| Core capital (leverage) ratio | 8.9427% | 4,712 |
| Tier 1 risk-based capital ratio | 13.3113% | 3,734 |
| Total risk-based capital ratio | 13.7718% | 4,092 |
| Memoranda: | ||
| Average total assets | $45,517,400 | 5,238 |
| Average earning assets | $42,913,800 | 5,210 |
| Average equity | $4,302,000 | 5,375 |
| Average total loans | $25,489,400 | 5,143 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3925% | 4,971 |
| Cost of funding earning assets | 0.1531% | 5,298 |
| Net interest margin | 3.2394% | 4,360 |
| Noninterest income to average assets | 0.5577% | 2,681 |
| Noninterest expense to average assets | 3.4257% | 1,110 |
| Loan and lease loss provision to assets | 0.0590% | 2,899 |
| Net operating income to assets | 0.1328% | 5,414 |
| Return on assets (ROA) | 0.2449% | 5,319 |
| Pretax return on assets | 0.2449% | 5,345 |
| Return on Equity (ROE) | 2.5701% | 5,205 |
| Retained earnings to average equity (ytd only) | 2.5701% | 4,345 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6982% | 273 |
| Assets per employee ($millions) | 2.8413% | 5,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5027% | 5,462 |
| Loan loss allowance to noncurrent loans | 12.2021% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 2.3075% | 501 |
| Noncurrent loans to loans | 4.1194% | 233 |
| Net loans and leases to total assets | 55.7335% | 4,252 |
| Net loans and leases to deposits | 61.7494% | 4,532 |
| Net loans and leases to core deposits | 62.2470% | 4,700 |
| Total domestic deposits to total assets | 90.2576% | 391 |
| Equity capital to assets | 9.6214% | 4,322 |
| Core capital (leverage) ratio | 9.4416% | 4,236 |
| Tier 1 risk-based capital ratio | 13.7451% | 3,554 |
| Total risk-based capital ratio | 14.1645% | 3,974 |
| Memoranda: | ||
| Average total assets | $45,186,250 | 5,303 |
| Average earning assets | $42,681,500 | 5,275 |
| Average equity | $4,305,750 | 5,433 |
| Average total loans | $25,401,750 | 5,199 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5666% | 4,598 |
| Cost of funding earning assets | 0.1504% | 5,335 |
| Net interest margin | 3.4162% | 3,714 |
| Noninterest income to average assets | 0.4923% | 3,069 |
| Noninterest expense to average assets | 3.5082% | 993 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2085% | 5,381 |
| Return on assets (ROA) | 0.2085% | 5,397 |
| Pretax return on assets | 0.2085% | 5,426 |
| Return on Equity (ROE) | 2.1947% | 5,310 |
| Retained earnings to average equity (ytd only) | 2.1947% | 4,363 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3914% | 299 |
| Assets per employee ($millions) | 2.5238% | 5,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4264% | 5,589 |
| Loan loss allowance to noncurrent loans | 10,800.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 5,308 |
| Noncurrent loans to loans | 0.0039% | 5,184 |
| Net loans and leases to total assets | 58.7857% | 3,944 |
| Net loans and leases to deposits | 65.6276% | 4,247 |
| Net loans and leases to core deposits | 66.1908% | 4,460 |
| Total domestic deposits to total assets | 89.5746% | 702 |
| Equity capital to assets | 10.2669% | 3,607 |
| Core capital (leverage) ratio | 9.4450% | 4,186 |
| Tier 1 risk-based capital ratio | 13.6379% | 3,621 |
| Total risk-based capital ratio | 13.9920% | 4,063 |
| Memoranda: | ||
| Average total assets | $45,094,670 | 5,343 |
| Average earning assets | $42,562,000 | 5,319 |
| Average equity | $4,283,000 | 5,475 |
| Average total loans | $25,380,670 | 5,239 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3968% | 4,927 |
| Cost of funding earning assets | 0.1469% | 5,398 |
| Net interest margin | 3.2499% | 4,180 |
| Noninterest income to average assets | 0.4763% | 3,145 |
| Noninterest expense to average assets | 3.4553% | 1,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0866% | 5,536 |
| Return on assets (ROA) | 0.0866% | 5,541 |
| Pretax return on assets | 0.0866% | 5,532 |
| Return on Equity (ROE) | 0.9474% | 5,504 |
| Retained earnings to average equity (ytd only) | 0.9474% | 4,679 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5550% | 279 |
| Assets per employee ($millions) | 2.6805% | 5,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4360% | 5,656 |
| Loan loss allowance to noncurrent loans | 140.2597% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 4,574 |
| Noncurrent loans to loans | 0.3109% | 4,010 |
| Net loans and leases to total assets | 54.1191% | 4,329 |
| Net loans and leases to deposits | 59.7480% | 4,580 |
| Net loans and leases to core deposits | 60.2208% | 4,763 |
| Total domestic deposits to total assets | 90.5789% | 443 |
| Equity capital to assets | 9.3289% | 4,471 |
| Core capital (leverage) ratio | 8.5363% | 5,206 |
| Tier 1 risk-based capital ratio | 13.7574% | 3,628 |
| Total risk-based capital ratio | 14.1179% | 4,060 |
| Memoranda: | ||
| Average total assets | $46,189,500 | 5,384 |
| Average earning assets | $43,571,000 | 5,357 |
| Average equity | $4,222,000 | 5,544 |
| Average total loans | $25,406,000 | 5,285 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5248% | 4,716 |
| Cost of funding earning assets | 0.1442% | 5,460 |
| Net interest margin | 3.3806% | 3,888 |
| Noninterest income to average assets | 0.5591% | 2,870 |
| Noninterest expense to average assets | 3.4870% | 1,189 |
| Loan and lease loss provision to assets | 0.0105% | 4,164 |
| Net operating income to assets | 0.2648% | 5,291 |
| Return on assets (ROA) | 0.2669% | 5,357 |
| Pretax return on assets | 0.2669% | 5,410 |
| Return on Equity (ROE) | 2.8629% | 5,195 |
| Retained earnings to average equity (ytd only) | 0.6087% | 5,085 |
| Net charge-offs to loans | -0.0080% | 4,883 |
| Credit loss provision to net charge-offs | -250.0000% | 5,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6816% | 434 |
| Assets per employee ($millions) | 2.7536% | 5,527 |
| Cash dividends to net income (ytd only)* | 78.7402% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4147% | 5,726 |
| Loan loss allowance to noncurrent loans | 490.9091% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 5,154 |
| Noncurrent loans to loans | 0.0845% | 4,908 |
| Net loans and leases to total assets | 55.4036% | 4,317 |
| Net loans and leases to deposits | 60.9060% | 4,616 |
| Net loans and leases to core deposits | 61.3730% | 4,785 |
| Total domestic deposits to total assets | 90.9658% | 289 |
| Equity capital to assets | 8.9573% | 4,858 |
| Core capital (leverage) ratio | 8.7536% | 5,022 |
| Tier 1 risk-based capital ratio | 13.1782% | 3,959 |
| Total risk-based capital ratio | 13.5243% | 4,402 |
| Memoranda: | ||
| Average total assets | $47,576,600 | 5,394 |
| Average earning assets | $45,080,600 | 5,353 |
| Average equity | $4,436,000 | 5,565 |
| Average total loans | $25,038,600 | 5,350 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5277% | 4,734 |
| Cost of funding earning assets | 0.1468% | 5,503 |
| Net interest margin | 3.3810% | 3,917 |
| Noninterest income to average assets | 0.5024% | 3,230 |
| Noninterest expense to average assets | 3.4443% | 1,259 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2735% | 5,334 |
| Return on assets (ROA) | 0.2763% | 5,412 |
| Pretax return on assets | 0.2763% | 5,482 |
| Return on Equity (ROE) | 2.9355% | 5,236 |
| Retained earnings to average equity (ytd only) | 2.9355% | 4,147 |
| Net charge-offs to loans | -0.0108% | 4,792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6426% | 439 |
| Assets per employee ($millions) | 2.5824% | 5,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4279% | 5,779 |
| Loan loss allowance to noncurrent loans | 239.5349% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 5,042 |
| Noncurrent loans to loans | 0.1786% | 4,638 |
| Net loans and leases to total assets | 54.5991% | 4,439 |
| Net loans and leases to deposits | 61.0380% | 4,685 |
| Net loans and leases to core deposits | 62.0332% | 4,829 |
| Total domestic deposits to total assets | 89.4510% | 699 |
| Equity capital to assets | 10.4077% | 3,671 |
| Core capital (leverage) ratio | 9.2765% | 4,490 |
| Tier 1 risk-based capital ratio | 13.9704% | 3,572 |
| Total risk-based capital ratio | 14.3143% | 4,032 |
| Memoranda: | ||
| Average total assets | $47,768,000 | 5,445 |
| Average earning assets | $45,429,250 | 5,403 |
| Average equity | $4,496,750 | 5,616 |
| Average total loans | $24,787,500 | 5,410 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4539% | 4,976 |
| Cost of funding earning assets | 0.1450% | 5,583 |
| Net interest margin | 3.3089% | 4,201 |
| Noninterest income to average assets | 0.4403% | 3,587 |
| Noninterest expense to average assets | 3.3797% | 1,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2242% | 5,483 |
| Return on assets (ROA) | 0.2242% | 5,543 |
| Pretax return on assets | 0.2242% | 5,589 |
| Return on Equity (ROE) | 2.4594% | 5,397 |
| Retained earnings to average equity (ytd only) | 2.4594% | 4,321 |
| Net charge-offs to loans | -0.0160% | 4,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7783% | 426 |
| Assets per employee ($millions) | 2.8700% | 5,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4212% | 5,866 |
| Loan loss allowance to noncurrent loans | 145.0704% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 4,889 |
| Noncurrent loans to loans | 0.2904% | 4,332 |
| Net loans and leases to total assets | 53.0270% | 4,586 |
| Net loans and leases to deposits | 61.7018% | 4,679 |
| Net loans and leases to core deposits | 62.7012% | 4,839 |
| Total domestic deposits to total assets | 85.9408% | 2,452 |
| Equity capital to assets | 9.9695% | 4,266 |
| Core capital (leverage) ratio | 8.7400% | 5,122 |
| Tier 1 risk-based capital ratio | 13.6165% | 3,826 |
| Total risk-based capital ratio | 13.9553% | 4,286 |
| Memoranda: | ||
| Average total assets | $49,057,330 | 5,479 |
| Average earning assets | $46,904,000 | 5,426 |
| Average equity | $4,472,670 | 5,681 |
| Average total loans | $25,026,000 | 5,459 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3545% | 5,216 |
| Cost of funding earning assets | 0.1405% | 5,671 |
| Net interest margin | 3.2140% | 4,536 |
| Noninterest income to average assets | 0.4188% | 3,690 |
| Noninterest expense to average assets | 3.4765% | 1,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0158% | 5,771 |
| Return on assets (ROA) | 0.0158% | 5,800 |
| Pretax return on assets | 0.0158% | 5,796 |
| Return on Equity (ROE) | 0.1810% | 5,799 |
| Retained earnings to average equity (ytd only) | 0.1810% | 5,065 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5475% | 303 |
| Assets per employee ($millions) | 2.8671% | 5,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4153% | 5,936 |
| Loan loss allowance to noncurrent loans | 10,100.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,682 |
| Noncurrent loans to loans | 0.0041% | 5,517 |
| Net loans and leases to total assets | 49.6892% | 4,838 |
| Net loans and leases to deposits | 54.7607% | 5,056 |
| Net loans and leases to core deposits | 55.5456% | 5,159 |
| Total domestic deposits to total assets | 90.7388% | 352 |
| Equity capital to assets | 9.1422% | 5,045 |
| Core capital (leverage) ratio | 8.0096% | 5,767 |
| Tier 1 risk-based capital ratio | 13.4999% | 3,977 |
| Total risk-based capital ratio | 13.8335% | 4,440 |
| Memoranda: | ||
| Average total assets | $50,626,000 | 5,493 |
| Average earning assets | $48,413,000 | 5,439 |
| Average equity | $4,420,000 | 5,737 |
| Average total loans | $25,312,500 | 5,500 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4664% | 5,011 |
| Cost of funding earning assets | 0.1803% | 5,453 |
| Net interest margin | 3.2862% | 4,348 |
| Noninterest income to average assets | 0.5749% | 2,859 |
| Noninterest expense to average assets | 3.1358% | 2,129 |
| Loan and lease loss provision to assets | 0.2339% | 838 |
| Net operating income to assets | 0.3313% | 5,267 |
| Return on assets (ROA) | 0.3313% | 5,355 |
| Pretax return on assets | 0.3313% | 5,455 |
| Return on Equity (ROE) | 3.8591% | 5,004 |
| Retained earnings to average equity (ytd only) | 1.5890% | 4,813 |
| Net charge-offs to loans | 0.6677% | 359 |
| Credit loss provision to net charge-offs | 67.4157% | 3,168 |
| Earnings coverage of net charge-offs (x) | 1.6292% | 4,056 |
| Efficiency ratio | 84.7288% | 1,121 |
| Assets per employee ($millions) | 3.0889% | 5,431 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3840% | 6,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 49.9019% | 4,878 |
| Net loans and leases to deposits | 54.4929% | 5,132 |
| Net loans and leases to core deposits | 55.2082% | 5,241 |
| Total domestic deposits to total assets | 91.5751% | 163 |
| Equity capital to assets | 8.3487% | 5,669 |
| Core capital (leverage) ratio | 8.0833% | 5,786 |
| Tier 1 risk-based capital ratio | 12.8097% | 4,446 |
| Total risk-based capital ratio | 13.1265% | 4,936 |
| Memoranda: | ||
| Average total assets | $51,311,200 | 5,518 |
| Average earning assets | $48,810,800 | 5,464 |
| Average equity | $4,405,200 | 5,782 |
| Average total loans | $26,659,000 | 5,499 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4875% | 5,008 |
| Cost of funding earning assets | 0.1843% | 5,509 |
| Net interest margin | 3.3032% | 4,325 |
| Noninterest income to average assets | 0.4992% | 3,367 |
| Noninterest expense to average assets | 3.0267% | 2,444 |
| Loan and lease loss provision to assets | 0.1045% | 2,117 |
| Net operating income to assets | 0.5071% | 4,759 |
| Return on assets (ROA) | 0.5071% | 4,851 |
| Pretax return on assets | 0.5071% | 5,201 |
| Return on Equity (ROE) | 5.8646% | 4,215 |
| Retained earnings to average equity (ytd only) | 5.8646% | 2,328 |
| Net charge-offs to loans | 0.1595% | 1,549 |
| Credit loss provision to net charge-offs | 125.0000% | 1,923 |
| Earnings coverage of net charge-offs (x) | 7.3117% | 2,928 |
| Efficiency ratio | 83.1897% | 1,243 |
| Assets per employee ($millions) | 2.8402% | 5,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5983% | 5,897 |
| Loan loss allowance to noncurrent loans | 28.6942% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 1.1384% | 2,096 |
| Noncurrent loans to loans | 2.0852% | 1,097 |
| Net loans and leases to total assets | 54.2681% | 4,542 |
| Net loans and leases to deposits | 63.3222% | 4,616 |
| Net loans and leases to core deposits | 64.2326% | 4,802 |
| Total domestic deposits to total assets | 85.7014% | 2,692 |
| Equity capital to assets | 8.7454% | 5,542 |
| Core capital (leverage) ratio | 8.3653% | 5,659 |
| Tier 1 risk-based capital ratio | 12.3805% | 4,837 |
| Total risk-based capital ratio | 12.8718% | 5,239 |
| Memoranda: | ||
| Average total assets | $51,011,250 | 5,593 |
| Average earning assets | $48,476,500 | 5,544 |
| Average equity | $4,410,500 | 5,857 |
| Average total loans | $26,747,500 | 5,552 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4491% | 5,111 |
| Cost of funding earning assets | 0.1898% | 5,528 |
| Net interest margin | 3.2593% | 4,457 |
| Noninterest income to average assets | 0.4355% | 3,811 |
| Noninterest expense to average assets | 3.0251% | 2,480 |
| Loan and lease loss provision to assets | 0.0785% | 2,549 |
| Net operating income to assets | 0.4316% | 5,034 |
| Return on assets (ROA) | 0.4316% | 5,137 |
| Pretax return on assets | 0.4316% | 5,396 |
| Return on Equity (ROE) | 5.0110% | 4,611 |
| Retained earnings to average equity (ytd only) | 5.0110% | 2,858 |
| Net charge-offs to loans | 0.2352% | 1,102 |
| Credit loss provision to net charge-offs | 64.5161% | 2,547 |
| Earnings coverage of net charge-offs (x) | 4.1935% | 3,079 |
| Efficiency ratio | 85.5716% | 1,099 |
| Assets per employee ($millions) | 2.7197% | 5,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5792% | 6,005 |
| Loan loss allowance to noncurrent loans | 25.6499% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 1.1786% | 2,152 |
| Noncurrent loans to loans | 2.2582% | 1,049 |
| Net loans and leases to total assets | 51.8905% | 4,763 |
| Net loans and leases to deposits | 58.4676% | 4,956 |
| Net loans and leases to core deposits | 58.8823% | 5,140 |
| Total domestic deposits to total assets | 88.7509% | 1,268 |
| Equity capital to assets | 8.9286% | 5,303 |
| Core capital (leverage) ratio | 8.3167% | 5,702 |
| Tier 1 risk-based capital ratio | 12.9458% | 4,546 |
| Total risk-based capital ratio | 13.4103% | 4,928 |
| Memoranda: | ||
| Average total assets | $50,973,670 | 5,654 |
| Average earning assets | $48,477,000 | 5,595 |
| Average equity | $4,390,330 | 5,921 |
| Average total loans | $26,359,670 | 5,622 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5136% | 4,920 |
| Cost of funding earning assets | 0.2019% | 5,492 |
| Net interest margin | 3.3116% | 4,165 |
| Noninterest income to average assets | 0.4232% | 3,824 |
| Noninterest expense to average assets | 2.9317% | 2,802 |
| Loan and lease loss provision to assets | 0.0385% | 3,136 |
| Net operating income to assets | 0.6079% | 4,252 |
| Return on assets (ROA) | 0.6079% | 4,346 |
| Pretax return on assets | 0.6079% | 4,898 |
| Return on Equity (ROE) | 7.1818% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.1818% | 1,932 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9355% | 1,630 |
| Assets per employee ($millions) | 2.8054% | 5,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6388% | 6,003 |
| Loan loss allowance to noncurrent loans | 25.0765% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 1.2951% | 2,052 |
| Noncurrent loans to loans | 2.5473% | 951 |
| Net loans and leases to total assets | 50.5169% | 4,792 |
| Net loans and leases to deposits | 55.5241% | 5,079 |
| Net loans and leases to core deposits | 55.8964% | 5,254 |
| Total domestic deposits to total assets | 90.9818% | 374 |
| Equity capital to assets | 8.9192% | 5,373 |
| Core capital (leverage) ratio | 7.7114% | 6,065 |
| Tier 1 risk-based capital ratio | 12.7802% | 4,738 |
| Total risk-based capital ratio | 13.2921% | 5,111 |
| Memoranda: | ||
| Average total assets | $51,983,000 | 5,686 |
| Average earning assets | $49,522,500 | 5,623 |
| Average equity | $4,400,000 | 5,971 |
| Average total loans | $26,764,000 | 5,649 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3656% | 5,593 |
| Cost of funding earning assets | 0.2466% | 5,361 |
| Net interest margin | 3.1190% | 5,158 |
| Noninterest income to average assets | 0.5278% | 3,307 |
| Noninterest expense to average assets | 3.0356% | 2,737 |
| Loan and lease loss provision to assets | -0.0692% | 6,087 |
| Net operating income to assets | 0.5203% | 4,726 |
| Return on assets (ROA) | 0.7505% | 3,727 |
| Pretax return on assets | 0.7505% | 4,439 |
| Return on Equity (ROE) | 9.7767% | 2,206 |
| Retained earnings to average equity (ytd only) | 2.2186% | 4,670 |
| Net charge-offs to loans | 0.0526% | 3,777 |
| Credit loss provision to net charge-offs | -284.6154% | 5,693 |
| Earnings coverage of net charge-offs (x) | 18.5385% | 1,840 |
| Efficiency ratio | 87.0639% | 1,069 |
| Assets per employee ($millions) | 2.9704% | 5,740 |
| Cash dividends to net income (ytd only)* | 77.3067% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5708% | 6,184 |
| Loan loss allowance to noncurrent loans | 26.1944% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 1.1353% | 2,489 |
| Noncurrent loans to loans | 2.1792% | 1,229 |
| Net loans and leases to total assets | 51.7973% | 4,803 |
| Net loans and leases to deposits | 56.3754% | 5,159 |
| Net loans and leases to core deposits | 56.7276% | 5,334 |
| Total domestic deposits to total assets | 91.8793% | 161 |
| Equity capital to assets | 8.0347% | 6,051 |
| Core capital (leverage) ratio | 7.4597% | 6,216 |
| Tier 1 risk-based capital ratio | 12.2985% | 5,152 |
| Total risk-based capital ratio | 12.7857% | 5,556 |
| Memoranda: | ||
| Average total assets | $53,432,400 | 5,711 |
| Average earning assets | $50,690,000 | 5,651 |
| Average equity | $4,101,600 | 6,073 |
| Average total loans | $24,705,600 | 5,790 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3132% | 5,744 |
| Cost of funding earning assets | 0.2500% | 5,415 |
| Net interest margin | 3.0632% | 5,352 |
| Noninterest income to average assets | 0.4991% | 3,551 |
| Noninterest expense to average assets | 2.8751% | 3,216 |
| Loan and lease loss provision to assets | -0.0923% | 6,257 |
| Net operating income to assets | 0.6214% | 4,344 |
| Return on assets (ROA) | 0.6214% | 4,440 |
| Pretax return on assets | 0.6214% | 4,963 |
| Return on Equity (ROE) | 8.1912% | 3,102 |
| Retained earnings to average equity (ytd only) | 4.5727% | 3,390 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4575% | 1,333 |
| Assets per employee ($millions) | 3.1005% | 5,592 |
| Cash dividends to net income (ytd only)* | 44.1760% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6935% | 6,116 |
| Loan loss allowance to noncurrent loans | 29.7064% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 1.0985% | 2,757 |
| Noncurrent loans to loans | 2.3345% | 1,282 |
| Net loans and leases to total assets | 46.7283% | 5,315 |
| Net loans and leases to deposits | 51.0022% | 5,585 |
| Net loans and leases to core deposits | 51.8123% | 5,693 |
| Total domestic deposits to total assets | 91.6200% | 211 |
| Equity capital to assets | 8.2510% | 5,980 |
| Core capital (leverage) ratio | 7.9235% | 6,118 |
| Tier 1 risk-based capital ratio | 13.4731% | 4,562 |
| Total risk-based capital ratio | 14.0436% | 4,891 |
| Memoranda: | ||
| Average total assets | $53,423,500 | 5,770 |
| Average earning assets | $50,664,000 | 5,715 |
| Average equity | $4,053,000 | 6,149 |
| Average total loans | $23,918,500 | 5,887 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2471% | 5,876 |
| Cost of funding earning assets | 0.2516% | 5,468 |
| Net interest margin | 2.9955% | 5,542 |
| Noninterest income to average assets | 0.4100% | 4,173 |
| Noninterest expense to average assets | 2.8363% | 3,386 |
| Loan and lease loss provision to assets | -0.1379% | 6,415 |
| Net operating income to assets | 0.5516% | 4,596 |
| Return on assets (ROA) | 0.5516% | 4,696 |
| Pretax return on assets | 0.5516% | 5,130 |
| Return on Equity (ROE) | 7.4855% | 3,377 |
| Retained earnings to average equity (ytd only) | 1.9219% | 4,920 |
| Net charge-offs to loans | -0.3132% | 6,445 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2706% | 1,157 |
| Assets per employee ($millions) | 2.9765% | 5,784 |
| Cash dividends to net income (ytd only)* | 74.3243% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8799% | 5,780 |
| Loan loss allowance to noncurrent loans | 267.9487% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 5,695 |
| Noncurrent loans to loans | 0.3284% | 5,030 |
| Net loans and leases to total assets | 46.5287% | 5,311 |
| Net loans and leases to deposits | 50.7972% | 5,574 |
| Net loans and leases to core deposits | 51.6361% | 5,684 |
| Total domestic deposits to total assets | 91.5970% | 239 |
| Equity capital to assets | 8.2923% | 5,954 |
| Core capital (leverage) ratio | 7.6044% | 6,275 |
| Tier 1 risk-based capital ratio | 13.6563% | 4,483 |
| Total risk-based capital ratio | 14.3768% | 4,765 |
| Memoranda: | ||
| Average total assets | $53,661,670 | 5,817 |
| Average earning assets | $50,875,670 | 5,759 |
| Average equity | $3,954,330 | 6,211 |
| Average total loans | $23,624,000 | 5,945 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1544% | 6,058 |
| Cost of funding earning assets | 0.2591% | 5,505 |
| Net interest margin | 2.8954% | 5,763 |
| Noninterest income to average assets | 0.4131% | 4,081 |
| Noninterest expense to average assets | 2.7613% | 3,709 |
| Loan and lease loss provision to assets | -0.2682% | 6,606 |
| Net operating income to assets | 0.6740% | 3,822 |
| Return on assets (ROA) | 0.6740% | 3,903 |
| Pretax return on assets | 0.6740% | 4,577 |
| Return on Equity (ROE) | 9.7039% | 2,149 |
| Retained earnings to average equity (ytd only) | 9.7039% | 1,045 |
| Net charge-offs to loans | -0.6282% | 6,580 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1854% | 1,322 |
| Assets per employee ($millions) | 3.1540% | 5,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 5,767 |
| Loan loss allowance to noncurrent loans | 24.7924% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 1.5722% | 2,247 |
| Noncurrent loans to loans | 3.7612% | 747 |
| Net loans and leases to total assets | 41.4115% | 5,718 |
| Net loans and leases to deposits | 44.8312% | 5,928 |
| Net loans and leases to core deposits | 45.5233% | 6,018 |
| Total domestic deposits to total assets | 92.3720% | 182 |
| Equity capital to assets | 7.4975% | 6,315 |
| Core capital (leverage) ratio | 7.1385% | 6,441 |
| Tier 1 risk-based capital ratio | 14.4067% | 4,061 |
| Total risk-based capital ratio | 15.1564% | 4,335 |
| Memoranda: | ||
| Average total assets | $55,192,000 | 5,837 |
| Average earning assets | $52,497,500 | 5,773 |
| Average equity | $3,833,500 | 6,283 |
| Average total loans | $23,559,500 | 6,002 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0234% | 4,008 |
| Cost of funding earning assets | 0.3220% | 5,406 |
| Net interest margin | 3.7015% | 3,048 |
| Noninterest income to average assets | 0.2046% | 5,856 |
| Noninterest expense to average assets | 3.2475% | 2,284 |
| Loan and lease loss provision to assets | -0.6119% | 6,764 |
| Net operating income to assets | 1.0338% | 2,186 |
| Return on assets (ROA) | 1.0338% | 2,252 |
| Pretax return on assets | 1.0338% | 3,212 |
| Return on Equity (ROE) | 13.8244% | 988 |
| Retained earnings to average equity (ytd only) | 10.8935% | 430 |
| Net charge-offs to loans | -1.4711% | 6,766 |
| Credit loss provision to net charge-offs | 94.1011% | 2,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5017% | 1,166 |
| Assets per employee ($millions) | 3.1537% | 5,584 |
| Cash dividends to net income (ytd only)* | 21.2014% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 6,067 |
| Loan loss allowance to noncurrent loans | 55.8824% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 0.6588% | 4,270 |
| Noncurrent loans to loans | 1.5138% | 2,626 |
| Net loans and leases to total assets | 43.1544% | 5,747 |
| Net loans and leases to deposits | 46.1685% | 5,997 |
| Net loans and leases to core deposits | 47.0616% | 6,088 |
| Total domestic deposits to total assets | 93.4714% | 101 |
| Equity capital to assets | 6.4246% | 6,578 |
| Core capital (leverage) ratio | 7.2243% | 6,469 |
| Tier 1 risk-based capital ratio | 13.0332% | 4,946 |
| Total risk-based capital ratio | 13.7276% | 5,255 |
| Memoranda: | ||
| Average total assets | $54,750,200 | 5,898 |
| Average earning assets | $51,250,000 | 5,854 |
| Average equity | $4,094,200 | 6,304 |
| Average total loans | $24,200,000 | 6,023 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3061% | 2,958 |
| Cost of funding earning assets | 0.3379% | 5,409 |
| Net interest margin | 3.9682% | 2,050 |
| Noninterest income to average assets | 0.0270% | 6,684 |
| Noninterest expense to average assets | 3.1289% | 2,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5924% | 4,391 |
| Return on assets (ROA) | 0.5924% | 4,515 |
| Pretax return on assets | 0.5924% | 5,047 |
| Return on Equity (ROE) | 7.6398% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.6398% | 1,570 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0819% | 1,586 |
| Assets per employee ($millions) | 2.8528% | 6,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7686% | 6,333 |
| Loan loss allowance to noncurrent loans | 18,800.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 6,531 |
| Noncurrent loans to loans | 0.0041% | 6,377 |
| Net loans and leases to total assets | 47.2688% | 5,421 |
| Net loans and leases to deposits | 50.9017% | 5,779 |
| Net loans and leases to core deposits | 51.9998% | 5,891 |
| Total domestic deposits to total assets | 92.8628% | 133 |
| Equity capital to assets | 6.9794% | 6,561 |
| Core capital (leverage) ratio | 7.1994% | 6,545 |
| Tier 1 risk-based capital ratio | 12.3942% | 5,521 |
| Total risk-based capital ratio | 13.0209% | 5,871 |
| Memoranda: | ||
| Average total assets | $54,246,250 | 5,980 |
| Average earning assets | $50,500,250 | 5,939 |
| Average equity | $4,206,000 | 6,352 |
| Average total loans | $24,073,500 | 6,092 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6734% | 1,638 |
| Cost of funding earning assets | 0.3466% | 5,440 |
| Net interest margin | 4.3267% | 985 |
| Noninterest income to average assets | 0.6738% | 2,773 |
| Noninterest expense to average assets | 3.0899% | 2,692 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6084% | 734 |
| Return on assets (ROA) | 1.6084% | 807 |
| Pretax return on assets | 1.6084% | 1,349 |
| Return on Equity (ROE) | 20.1209% | 293 |
| Retained earnings to average equity (ytd only) | 20.1209% | 87 |
| Net charge-offs to loans | -0.0084% | 5,738 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7672% | 4,589 |
| Assets per employee ($millions) | 2.7971% | 6,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8150% | 6,330 |
| Loan loss allowance to noncurrent loans | 134.0426% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 1.7618% | 2,475 |
| Noncurrent loans to loans | 0.6080% | 4,736 |
| Net loans and leases to total assets | 45.6849% | 5,568 |
| Net loans and leases to deposits | 49.9696% | 5,843 |
| Net loans and leases to core deposits | 52.5713% | 5,845 |
| Total domestic deposits to total assets | 91.4255% | 405 |
| Equity capital to assets | 8.4374% | 5,827 |
| Core capital (leverage) ratio | 7.3032% | 6,529 |
| Tier 1 risk-based capital ratio | 13.4770% | 4,783 |
| Total risk-based capital ratio | 14.1266% | 5,173 |
| Memoranda: | ||
| Average total assets | $55,211,330 | 5,994 |
| Average earning assets | $51,355,000 | 5,956 |
| Average equity | $4,413,330 | 6,353 |
| Average total loans | $23,944,330 | 6,132 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7504% | 253 |
| Cost of funding earning assets | 0.3510% | 5,525 |
| Net interest margin | 5.3994% | 146 |
| Noninterest income to average assets | 0.6453% | 2,904 |
| Noninterest expense to average assets | 2.9977% | 3,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.6647% | 138 |
| Return on assets (ROA) | 2.6647% | 145 |
| Pretax return on assets | 2.6647% | 217 |
| Return on Equity (ROE) | 34.1637% | 56 |
| Retained earnings to average equity (ytd only) | 34.1637% | 34 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9412% | 6,314 |
| Assets per employee ($millions) | 3.0219% | 5,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 6,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2975% | 3,372 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 38.1594% | 6,139 |
| Net loans and leases to deposits | 41.5955% | 6,343 |
| Net loans and leases to core deposits | 43.4757% | 6,338 |
| Total domestic deposits to total assets | 91.7394% | 301 |
| Equity capital to assets | 8.1300% | 6,311 |
| Core capital (leverage) ratio | 6.5950% | 6,731 |
| Tier 1 risk-based capital ratio | 14.0537% | 4,471 |
| Total risk-based capital ratio | 14.7382% | 4,839 |
| Memoranda: | ||
| Average total assets | $57,643,500 | 5,974 |
| Average earning assets | $53,561,500 | 5,917 |
| Average equity | $4,496,000 | 6,391 |
| Average total loans | $24,321,500 | 6,159 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1923% | 4,621 |
| Cost of funding earning assets | 0.4550% | 5,544 |
| Net interest margin | 3.7373% | 3,489 |
| Noninterest income to average assets | 0.6211% | 3,159 |
| Noninterest expense to average assets | 3.0883% | 2,963 |
| Loan and lease loss provision to assets | 1.6627% | 166 |
| Net operating income to assets | -0.6765% | 6,641 |
| Return on assets (ROA) | -0.6689% | 6,671 |
| Pretax return on assets | -0.6689% | 6,646 |
| Return on Equity (ROE) | -7.4863% | 6,672 |
| Retained earnings to average equity (ytd only) | -9.0050% | 6,606 |
| Net charge-offs to loans | 2.9014% | 183 |
| Credit loss provision to net charge-offs | 108.6142% | 2,706 |
| Earnings coverage of net charge-offs (x) | 0.6442% | 5,163 |
| Efficiency ratio | 75.7974% | 2,781 |
| Assets per employee ($millions) | 3.4041% | 5,203 |
| Cash dividends to net income (ytd only)* | -20.2857% | 7,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7082% | 6,624 |
| Loan loss allowance to noncurrent loans | 15.5629% | 6,482 |
| Noncurrent assets plus other real estate owned to assets | 3.3748% | 1,364 |
| Noncurrent loans to loans | 4.5508% | 933 |
| Net loans and leases to total assets | 45.5452% | 5,665 |
| Net loans and leases to deposits | 49.2848% | 6,010 |
| Net loans and leases to core deposits | 51.3762% | 6,061 |
| Total domestic deposits to total assets | 92.4123% | 183 |
| Equity capital to assets | 7.4719% | 6,643 |
| Core capital (leverage) ratio | 6.3415% | 6,819 |
| Tier 1 risk-based capital ratio | 10.8399% | 6,409 |
| Total risk-based capital ratio | 11.4260% | 6,619 |
| Memoranda: | ||
| Average total assets | $52,325,800 | 6,141 |
| Average earning assets | $48,350,600 | 6,109 |
| Average equity | $4,675,200 | 6,394 |
| Average total loans | $27,607,200 | 6,052 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3709% | 4,165 |
| Cost of funding earning assets | 0.4844% | 5,542 |
| Net interest margin | 3.8865% | 2,962 |
| Noninterest income to average assets | 0.5235% | 3,780 |
| Noninterest expense to average assets | 3.0179% | 3,179 |
| Loan and lease loss provision to assets | 0.9684% | 433 |
| Net operating income to assets | 0.1282% | 6,077 |
| Return on assets (ROA) | 0.1335% | 6,209 |
| Pretax return on assets | 0.1335% | 6,225 |
| Return on Equity (ROE) | 1.4277% | 6,170 |
| Retained earnings to average equity (ytd only) | -0.5599% | 6,190 |
| Net charge-offs to loans | 1.6455% | 505 |
| Credit loss provision to net charge-offs | 107.5581% | 2,736 |
| Earnings coverage of net charge-offs (x) | 1.2180% | 4,685 |
| Efficiency ratio | 73.3461% | 3,092 |
| Assets per employee ($millions) | 2.8307% | 6,320 |
| Cash dividends to net income (ytd only)* | 139.2059% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5133% | 6,944 |
| Loan loss allowance to noncurrent loans | 20.3081% | 6,481 |
| Noncurrent assets plus other real estate owned to assets | 3.7603% | 1,311 |
| Noncurrent loans to loans | 2.5273% | 2,258 |
| Net loans and leases to total assets | 55.1606% | 4,577 |
| Net loans and leases to deposits | 61.4258% | 5,033 |
| Net loans and leases to core deposits | 64.4944% | 5,100 |
| Total domestic deposits to total assets | 89.8004% | 946 |
| Equity capital to assets | 9.4715% | 5,242 |
| Core capital (leverage) ratio | 7.7248% | 6,511 |
| Tier 1 risk-based capital ratio | 11.4217% | 6,275 |
| Total risk-based capital ratio | 11.8487% | 6,617 |
| Memoranda: | ||
| Average total assets | $50,939,750 | 6,255 |
| Average earning assets | $47,068,000 | 6,219 |
| Average equity | $4,763,000 | 6,438 |
| Average total loans | $27,872,750 | 6,118 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3416% | 4,410 |
| Cost of funding earning assets | 0.5040% | 5,593 |
| Net interest margin | 3.8375% | 3,192 |
| Noninterest income to average assets | 0.4280% | 4,447 |
| Noninterest expense to average assets | 2.9488% | 3,445 |
| Loan and lease loss provision to assets | 0.1492% | 3,655 |
| Net operating income to assets | 0.8874% | 2,969 |
| Return on assets (ROA) | 0.8953% | 3,198 |
| Pretax return on assets | 0.8953% | 4,096 |
| Return on Equity (ROE) | 9.6162% | 2,524 |
| Retained earnings to average equity (ytd only) | 6.6217% | 2,317 |
| Net charge-offs to loans | 0.1297% | 3,890 |
| Credit loss provision to net charge-offs | 211.1111% | 1,337 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,696 |
| Efficiency ratio | 73.9901% | 3,075 |
| Assets per employee ($millions) | 2.5908% | 6,664 |
| Cash dividends to net income (ytd only)* | 31.1404% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5045% | 7,020 |
| Loan loss allowance to noncurrent loans | 19.6328% | 6,530 |
| Noncurrent assets plus other real estate owned to assets | 1.9441% | 2,854 |
| Noncurrent loans to loans | 2.5699% | 2,342 |
| Net loans and leases to total assets | 55.6840% | 4,518 |
| Net loans and leases to deposits | 62.4339% | 4,947 |
| Net loans and leases to core deposits | 65.6897% | 5,037 |
| Total domestic deposits to total assets | 89.1886% | 1,397 |
| Equity capital to assets | 10.0800% | 4,221 |
| Core capital (leverage) ratio | 7.9528% | 6,320 |
| Tier 1 risk-based capital ratio | 12.8554% | 5,293 |
| Total risk-based capital ratio | 13.2959% | 5,877 |
| Memoranda: | ||
| Average total assets | $50,935,330 | 6,294 |
| Average earning assets | $47,217,670 | 6,257 |
| Average equity | $4,742,000 | 6,469 |
| Average total loans | $27,746,670 | 6,163 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2150% | 5,055 |
| Cost of funding earning assets | 0.5165% | 5,711 |
| Net interest margin | 3.6985% | 3,836 |
| Noninterest income to average assets | 0.4171% | 4,540 |
| Noninterest expense to average assets | 2.9118% | 3,580 |
| Loan and lease loss provision to assets | 0.1854% | 3,120 |
| Net operating income to assets | 0.7492% | 3,629 |
| Return on assets (ROA) | 0.7646% | 3,783 |
| Pretax return on assets | 0.7646% | 4,553 |
| Return on Equity (ROE) | 8.5492% | 3,032 |
| Retained earnings to average equity (ytd only) | 8.5492% | 1,760 |
| Net charge-offs to loans | 0.2442% | 2,710 |
| Credit loss provision to net charge-offs | 141.1765% | 1,747 |
| Earnings coverage of net charge-offs (x) | 7.1176% | 2,113 |
| Efficiency ratio | 75.7028% | 2,824 |
| Assets per employee ($millions) | 2.9371% | 6,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4818% | 7,078 |
| Loan loss allowance to noncurrent loans | 14.0156% | 6,703 |
| Noncurrent assets plus other real estate owned to assets | 1.7005% | 3,309 |
| Noncurrent loans to loans | 3.4373% | 1,820 |
| Net loans and leases to total assets | 49.2330% | 5,398 |
| Net loans and leases to deposits | 54.3893% | 5,770 |
| Net loans and leases to core deposits | 56.9790% | 5,819 |
| Total domestic deposits to total assets | 90.5196% | 791 |
| Equity capital to assets | 8.7730% | 5,786 |
| Core capital (leverage) ratio | 7.3043% | 6,724 |
| Tier 1 risk-based capital ratio | 13.5068% | 4,821 |
| Total risk-based capital ratio | 13.9324% | 5,427 |
| Memoranda: | ||
| Average total assets | $51,790,000 | 6,310 |
| Average earning assets | $48,019,500 | 6,274 |
| Average equity | $4,632,000 | 6,538 |
| Average total loans | $27,845,000 | 6,203 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7906% | 3,858 |
| Cost of funding earning assets | 0.6519% | 5,814 |
| Net interest margin | 4.1386% | 2,272 |
| Noninterest income to average assets | 0.6244% | 3,043 |
| Noninterest expense to average assets | 3.2090% | 2,835 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2613% | 1,345 |
| Return on assets (ROA) | 1.2695% | 1,428 |
| Pretax return on assets | 1.2695% | 2,240 |
| Return on Equity (ROE) | 14.9370% | 750 |
| Retained earnings to average equity (ytd only) | 11.2879% | 373 |
| Net charge-offs to loans | 0.0070% | 6,335 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 305.0000% | 119 |
| Efficiency ratio | 71.7854% | 3,618 |
| Assets per employee ($millions) | 2.8174% | 6,433 |
| Cash dividends to net income (ytd only)* | 24.4300% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4029% | 7,164 |
| Loan loss allowance to noncurrent loans | 10.1277% | 6,818 |
| Noncurrent assets plus other real estate owned to assets | 2.3170% | 2,605 |
| Noncurrent loans to loans | 3.9782% | 1,570 |
| Net loans and leases to total assets | 58.0068% | 4,366 |
| Net loans and leases to deposits | 64.5747% | 4,926 |
| Net loans and leases to core deposits | 68.2323% | 4,999 |
| Total domestic deposits to total assets | 89.8290% | 1,081 |
| Equity capital to assets | 9.1219% | 5,387 |
| Core capital (leverage) ratio | 7.6346% | 6,575 |
| Tier 1 risk-based capital ratio | 11.7096% | 6,015 |
| Total risk-based capital ratio | 12.0670% | 6,534 |
| Memoranda: | ||
| Average total assets | $48,364,600 | 6,407 |
| Average earning assets | $44,942,600 | 6,360 |
| Average equity | $4,110,600 | 6,724 |
| Average total loans | $28,436,600 | 6,227 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 3,902 |
| Cost of funding earning assets | 0.6861% | 5,844 |
| Net interest margin | 4.1403% | 2,305 |
| Noninterest income to average assets | 0.5553% | 3,477 |
| Noninterest expense to average assets | 3.1339% | 3,044 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2781% | 1,435 |
| Return on assets (ROA) | 1.2893% | 1,503 |
| Pretax return on assets | 1.2893% | 2,322 |
| Return on Equity (ROE) | 15.4701% | 752 |
| Retained earnings to average equity (ytd only) | 15.4701% | 202 |
| Net charge-offs to loans | 0.0095% | 6,029 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 228.7079% | 174 |
| Efficiency ratio | 71.0310% | 3,737 |
| Assets per employee ($millions) | 2.8705% | 6,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3993% | 7,230 |
| Loan loss allowance to noncurrent loans | 12.8649% | 6,853 |
| Noncurrent assets plus other real estate owned to assets | 1.7902% | 3,411 |
| Noncurrent loans to loans | 3.1038% | 2,234 |
| Net loans and leases to total assets | 57.4484% | 4,598 |
| Net loans and leases to deposits | 63.6142% | 5,222 |
| Net loans and leases to core deposits | 67.2779% | 5,271 |
| Total domestic deposits to total assets | 90.3075% | 718 |
| Equity capital to assets | 8.7035% | 6,080 |
| Core capital (leverage) ratio | 7.9280% | 6,455 |
| Tier 1 risk-based capital ratio | 11.7194% | 6,086 |
| Total risk-based capital ratio | 12.0774% | 6,625 |
| Memoranda: | ||
| Average total assets | $47,777,500 | 6,484 |
| Average earning assets | $44,504,250 | 6,437 |
| Average equity | $3,981,750 | 6,807 |
| Average total loans | $28,161,750 | 6,296 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8981% | 3,630 |
| Cost of funding earning assets | 0.7262% | 5,800 |
| Net interest margin | 4.1719% | 2,154 |
| Noninterest income to average assets | 0.5293% | 3,632 |
| Noninterest expense to average assets | 3.1712% | 2,999 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2392% | 1,466 |
| Return on assets (ROA) | 1.2392% | 1,541 |
| Pretax return on assets | 1.2392% | 2,347 |
| Return on Equity (ROE) | 15.1181% | 783 |
| Retained earnings to average equity (ytd only) | 15.1181% | 241 |
| Net charge-offs to loans | 0.0145% | 5,640 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 248 |
| Efficiency ratio | 71.9024% | 3,753 |
| Assets per employee ($millions) | 2.4982% | 6,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4138% | 7,288 |
| Loan loss allowance to noncurrent loans | 17.9487% | 6,778 |
| Noncurrent assets plus other real estate owned to assets | 1.4744% | 3,999 |
| Noncurrent loans to loans | 2.3054% | 3,093 |
| Net loans and leases to total assets | 63.6889% | 3,534 |
| Net loans and leases to deposits | 71.0486% | 4,284 |
| Net loans and leases to core deposits | 75.8147% | 4,337 |
| Total domestic deposits to total assets | 89.6413% | 1,163 |
| Equity capital to assets | 9.1578% | 5,342 |
| Core capital (leverage) ratio | 8.0780% | 6,196 |
| Tier 1 risk-based capital ratio | 11.6633% | 6,038 |
| Total risk-based capital ratio | 12.0362% | 6,644 |
| Memoranda: | ||
| Average total assets | $46,480,330 | 6,583 |
| Average earning assets | $43,241,670 | 6,535 |
| Average equity | $3,810,000 | 6,896 |
| Average total loans | $27,615,000 | 6,384 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7207% | 4,425 |
| Cost of funding earning assets | 0.7473% | 5,875 |
| Net interest margin | 3.9734% | 2,810 |
| Noninterest income to average assets | 0.4827% | 4,024 |
| Noninterest expense to average assets | 3.1247% | 3,161 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0500% | 1,999 |
| Return on assets (ROA) | 1.0500% | 2,052 |
| Pretax return on assets | 1.0500% | 2,945 |
| Return on Equity (ROE) | 13.5667% | 1,074 |
| Retained earnings to average equity (ytd only) | 13.5667% | 518 |
| Net charge-offs to loans | 0.0296% | 4,684 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 477 |
| Efficiency ratio | 74.8479% | 3,353 |
| Assets per employee ($millions) | 2.6312% | 6,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4413% | 7,322 |
| Loan loss allowance to noncurrent loans | 17.5516% | 6,855 |
| Noncurrent assets plus other real estate owned to assets | 1.4316% | 4,126 |
| Noncurrent loans to loans | 2.5141% | 2,972 |
| Net loans and leases to total assets | 56.6901% | 4,873 |
| Net loans and leases to deposits | 62.6991% | 5,423 |
| Net loans and leases to core deposits | 67.8245% | 5,310 |
| Total domestic deposits to total assets | 90.4162% | 887 |
| Equity capital to assets | 7.9855% | 6,515 |
| Core capital (leverage) ratio | 7.2333% | 6,902 |
| Tier 1 risk-based capital ratio | 11.0917% | 6,438 |
| Total risk-based capital ratio | 11.4627% | 6,925 |
| Memoranda: | ||
| Average total assets | $47,237,000 | 6,608 |
| Average earning assets | $43,891,500 | 6,563 |
| Average equity | $3,656,000 | 6,970 |
| Average total loans | $27,043,500 | 6,469 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6362% | 5,999 |
| Cost of funding earning assets | 0.9056% | 6,156 |
| Net interest margin | 3.7306% | 4,224 |
| Noninterest income to average assets | 0.5466% | 3,842 |
| Noninterest expense to average assets | 3.2335% | 2,966 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7947% | 2,826 |
| Return on assets (ROA) | 0.8010% | 2,929 |
| Pretax return on assets | 0.8010% | 3,631 |
| Return on Equity (ROE) | 10.8442% | 1,631 |
| Retained earnings to average equity (ytd only) | 6.2902% | 1,671 |
| Net charge-offs to loans | -0.0201% | 7,370 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2714% | 2,379 |
| Assets per employee ($millions) | 2.6174% | 6,827 |
| Cash dividends to net income (ytd only)* | 41.9948% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4462% | 7,396 |
| Loan loss allowance to noncurrent loans | 13.7344% | 7,020 |
| Noncurrent assets plus other real estate owned to assets | 1.8700% | 3,524 |
| Noncurrent loans to loans | 3.2486% | 2,337 |
| Net loans and leases to total assets | 57.3048% | 5,137 |
| Net loans and leases to deposits | 63.0485% | 5,736 |
| Net loans and leases to core deposits | 69.0521% | 5,547 |
| Total domestic deposits to total assets | 90.8900% | 658 |
| Equity capital to assets | 7.4926% | 6,883 |
| Core capital (leverage) ratio | 7.0448% | 7,005 |
| Tier 1 risk-based capital ratio | 10.1646% | 6,898 |
| Total risk-based capital ratio | 10.5227% | 7,195 |
| Memoranda: | ||
| Average total assets | $47,565,000 | 6,615 |
| Average earning assets | $44,390,200 | 6,566 |
| Average equity | $3,513,400 | 7,133 |
| Average total loans | $24,869,200 | 6,683 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5075% | 6,592 |
| Cost of funding earning assets | 0.9326% | 6,264 |
| Net interest margin | 3.5749% | 4,990 |
| Noninterest income to average assets | 0.5146% | 4,067 |
| Noninterest expense to average assets | 3.2131% | 2,878 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6460% | 3,668 |
| Return on assets (ROA) | 0.6460% | 3,835 |
| Pretax return on assets | 0.6460% | 4,437 |
| Return on Equity (ROE) | 8.7765% | 2,575 |
| Retained earnings to average equity (ytd only) | 6.8770% | 1,914 |
| Net charge-offs to loans | -0.0274% | 7,394 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2609% | 1,923 |
| Assets per employee ($millions) | 2.6645% | 6,829 |
| Cash dividends to net income (ytd only)* | 21.6468% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4779% | 7,479 |
| Loan loss allowance to noncurrent loans | 13.0670% | 7,121 |
| Noncurrent assets plus other real estate owned to assets | 1.9307% | 3,573 |
| Noncurrent loans to loans | 3.6573% | 2,137 |
| Net loans and leases to total assets | 52.5385% | 6,037 |
| Net loans and leases to deposits | 58.0546% | 6,459 |
| Net loans and leases to core deposits | 63.1007% | 6,367 |
| Total domestic deposits to total assets | 90.4985% | 641 |
| Equity capital to assets | 7.8793% | 6,884 |
| Core capital (leverage) ratio | 7.5732% | 6,790 |
| Tier 1 risk-based capital ratio | 10.4485% | 6,807 |
| Total risk-based capital ratio | 10.8210% | 7,228 |
| Memoranda: | ||
| Average total assets | $47,678,000 | 6,690 |
| Average earning assets | $44,606,500 | 6,632 |
| Average equity | $3,509,250 | 7,222 |
| Average total loans | $24,306,750 | 6,799 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3951% | 6,905 |
| Cost of funding earning assets | 0.9732% | 6,268 |
| Net interest margin | 3.4219% | 5,554 |
| Noninterest income to average assets | 0.4371% | 4,635 |
| Noninterest expense to average assets | 3.1734% | 2,997 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4707% | 4,460 |
| Return on assets (ROA) | 0.4707% | 4,619 |
| Pretax return on assets | 0.4707% | 5,000 |
| Return on Equity (ROE) | 6.5510% | 3,530 |
| Retained earnings to average equity (ytd only) | 6.5510% | 2,055 |
| Net charge-offs to loans | -0.0417% | 7,418 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0819% | 1,594 |
| Assets per employee ($millions) | 2.3406% | 7,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4676% | 7,544 |
| Loan loss allowance to noncurrent loans | 15.3553% | 7,137 |
| Noncurrent assets plus other real estate owned to assets | 1.7719% | 3,799 |
| Noncurrent loans to loans | 3.0453% | 2,645 |
| Net loans and leases to total assets | 57.9141% | 5,428 |
| Net loans and leases to deposits | 64.0178% | 6,038 |
| Net loans and leases to core deposits | 71.1091% | 5,758 |
| Total domestic deposits to total assets | 90.4657% | 697 |
| Equity capital to assets | 7.7669% | 6,953 |
| Core capital (leverage) ratio | 7.6645% | 6,655 |
| Tier 1 risk-based capital ratio | 10.3409% | 6,805 |
| Total risk-based capital ratio | 10.7172% | 7,278 |
| Memoranda: | ||
| Average total assets | $47,583,670 | 6,743 |
| Average earning assets | $44,595,000 | 6,677 |
| Average equity | $3,419,330 | 7,291 |
| Average total loans | $23,969,330 | 6,867 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2026% | 7,262 |
| Cost of funding earning assets | 0.9986% | 6,385 |
| Net interest margin | 3.2041% | 6,282 |
| Noninterest income to average assets | 0.3989% | 4,927 |
| Noninterest expense to average assets | 3.1420% | 3,100 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2605% | 5,450 |
| Return on assets (ROA) | 0.2605% | 5,576 |
| Pretax return on assets | 0.2605% | 5,714 |
| Return on Equity (ROE) | 3.7625% | 5,004 |
| Retained earnings to average equity (ytd only) | 3.7625% | 3,894 |
| Net charge-offs to loans | -0.0869% | 7,494 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3445% | 1,254 |
| Assets per employee ($millions) | 2.3106% | 7,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5423% | 7,558 |
| Loan loss allowance to noncurrent loans | 18.3612% | 7,090 |
| Noncurrent assets plus other real estate owned to assets | 1.5011% | 4,254 |
| Noncurrent loans to loans | 2.9533% | 2,722 |
| Net loans and leases to total assets | 50.5512% | 6,417 |
| Net loans and leases to deposits | 55.9257% | 6,778 |
| Net loans and leases to core deposits | 63.5666% | 6,484 |
| Total domestic deposits to total assets | 90.3900% | 787 |
| Equity capital to assets | 7.8334% | 6,822 |
| Core capital (leverage) ratio | 7.0009% | 7,249 |
| Tier 1 risk-based capital ratio | 11.0827% | 6,085 |
| Total risk-based capital ratio | 11.4959% | 6,845 |
| Memoranda: | ||
| Average total assets | $49,140,000 | 6,759 |
| Average earning assets | $46,066,500 | 6,708 |
| Average equity | $3,402,000 | 7,371 |
| Average total loans | $23,016,000 | 6,991 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0456% | 6,289 |
| Cost of funding earning assets | 1.4674% | 5,651 |
| Net interest margin | 3.5781% | 4,625 |
| Noninterest income to average assets | 0.5836% | 3,758 |
| Noninterest expense to average assets | 3.2267% | 3,286 |
| Loan and lease loss provision to assets | 0.5774% | 3,497 |
| Net operating income to assets | 0.1188% | 5,150 |
| Return on assets (ROA) | 0.0500% | 5,397 |
| Pretax return on assets | 0.0500% | 5,332 |
| Return on Equity (ROE) | 0.6705% | 5,336 |
| Retained earnings to average equity (ytd only) | -4.9173% | 6,012 |
| Net charge-offs to loans | 1.2450% | 1,977 |
| Credit loss provision to net charge-offs | 90.5229% | 5,982 |
| Earnings coverage of net charge-offs (x) | 1.0915% | 5,018 |
| Efficiency ratio | 82.2529% | 2,567 |
| Assets per employee ($millions) | 2.8620% | 6,535 |
| Cash dividends to net income (ytd only)* | 833.3333% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4891% | 7,674 |
| Loan loss allowance to noncurrent loans | 17.6292% | 7,152 |
| Noncurrent assets plus other real estate owned to assets | 1.2100% | 4,679 |
| Noncurrent loans to loans | 2.7743% | 2,783 |
| Net loans and leases to total assets | 43.4036% | 7,148 |
| Net loans and leases to deposits | 47.0056% | 7,399 |
| Net loans and leases to core deposits | 57.3463% | 7,361 |
| Total domestic deposits to total assets | 92.3370% | 212 |
| Equity capital to assets | 6.1882% | 7,634 |
| Core capital (leverage) ratio | 6.5731% | 7,456 |
| Tier 1 risk-based capital ratio | 9.9523% | 6,915 |
| Total risk-based capital ratio | 10.3116% | 7,464 |
| Memoranda: | ||
| Average total assets | $47,974,600 | 6,790 |
| Average earning assets | $44,772,000 | 6,730 |
| Average equity | $3,579,200 | 7,424 |
| Average total loans | $24,577,600 | 6,942 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2959% | 5,445 |
| Cost of funding earning assets | 1.5638% | 5,574 |
| Net interest margin | 3.7321% | 3,937 |
| Noninterest income to average assets | 0.5836% | 3,827 |
| Noninterest expense to average assets | 3.2518% | 3,119 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8108% | 2,767 |
| Return on assets (ROA) | 0.8194% | 2,793 |
| Pretax return on assets | 0.8194% | 3,479 |
| Return on Equity (ROE) | 10.4601% | 1,774 |
| Retained earnings to average equity (ytd only) | 4.9549% | 2,511 |
| Net charge-offs to loans | 0.0484% | 6,239 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 31.3325% | 906 |
| Efficiency ratio | 80.0425% | 2,834 |
| Assets per employee ($millions) | 2.4833% | 7,253 |
| Cash dividends to net income (ytd only)* | 52.6330% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5396% | 7,660 |
| Loan loss allowance to noncurrent loans | 20.7002% | 7,056 |
| Noncurrent assets plus other real estate owned to assets | 1.3925% | 4,310 |
| Noncurrent loans to loans | 2.6066% | 2,895 |
| Net loans and leases to total assets | 53.1326% | 6,478 |
| Net loans and leases to deposits | 59.3124% | 6,884 |
| Net loans and leases to core deposits | 78.6799% | 6,440 |
| Total domestic deposits to total assets | 89.5808% | 931 |
| Equity capital to assets | 8.0476% | 6,805 |
| Core capital (leverage) ratio | 7.5713% | 6,895 |
| Tier 1 risk-based capital ratio | 11.0512% | 5,896 |
| Total risk-based capital ratio | 11.4777% | 6,692 |
| Memoranda: | ||
| Average total assets | $46,373,750 | 6,905 |
| Average earning assets | $43,227,750 | 6,854 |
| Average equity | $3,632,750 | 7,466 |
| Average total loans | $24,792,500 | 6,990 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3621% | 5,343 |
| Cost of funding earning assets | 1.5979% | 5,758 |
| Net interest margin | 3.7642% | 3,700 |
| Noninterest income to average assets | 0.5119% | 4,339 |
| Noninterest expense to average assets | 3.1667% | 3,444 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8502% | 2,651 |
| Return on assets (ROA) | 0.8546% | 2,736 |
| Pretax return on assets | 0.8546% | 3,490 |
| Return on Equity (ROE) | 11.0117% | 1,696 |
| Retained earnings to average equity (ytd only) | 4.8631% | 2,582 |
| Net charge-offs to loans | 0.0324% | 6,002 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 692 |
| Efficiency ratio | 78.8337% | 3,214 |
| Assets per employee ($millions) | 2.3537% | 7,488 |
| Cash dividends to net income (ytd only)* | 55.8376% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5951% | 7,639 |
| Loan loss allowance to noncurrent loans | 19.0798% | 7,179 |
| Noncurrent assets plus other real estate owned to assets | 1.6525% | 3,724 |
| Noncurrent loans to loans | 3.1189% | 2,292 |
| Net loans and leases to total assets | 52.6677% | 6,606 |
| Net loans and leases to deposits | 58.4761% | 6,992 |
| Net loans and leases to core deposits | 74.5938% | 6,758 |
| Total domestic deposits to total assets | 90.0671% | 804 |
| Equity capital to assets | 8.0859% | 6,647 |
| Core capital (leverage) ratio | 7.7858% | 6,634 |
| Tier 1 risk-based capital ratio | 11.7177% | 5,177 |
| Total risk-based capital ratio | 12.1895% | 5,884 |
| Memoranda: | ||
| Average total assets | $46,104,330 | 6,981 |
| Average earning assets | $42,930,670 | 6,930 |
| Average equity | $3,578,000 | 7,545 |
| Average total loans | $24,655,000 | 7,049 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3368% | 5,719 |
| Cost of funding earning assets | 1.6111% | 5,984 |
| Net interest margin | 3.7257% | 3,778 |
| Noninterest income to average assets | 0.4017% | 5,197 |
| Noninterest expense to average assets | 3.1113% | 3,335 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7693% | 3,258 |
| Return on assets (ROA) | 0.7693% | 3,434 |
| Pretax return on assets | 0.7693% | 4,189 |
| Return on Equity (ROE) | 10.1152% | 2,276 |
| Retained earnings to average equity (ytd only) | 6.7435% | 2,312 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1762% | 2,789 |
| Assets per employee ($millions) | 2.3015% | 7,583 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5835% | 7,684 |
| Loan loss allowance to noncurrent loans | 19.8630% | 7,177 |
| Noncurrent assets plus other real estate owned to assets | 1.6694% | 3,421 |
| Noncurrent loans to loans | 2.9375% | 2,221 |
| Net loans and leases to total assets | 56.4980% | 6,167 |
| Net loans and leases to deposits | 64.1381% | 6,551 |
| Net loans and leases to core deposits | 82.3424% | 6,204 |
| Total domestic deposits to total assets | 88.0880% | 1,708 |
| Equity capital to assets | 8.2302% | 6,497 |
| Core capital (leverage) ratio | 7.6316% | 6,982 |
| Tier 1 risk-based capital ratio | 11.5853% | 5,328 |
| Total risk-based capital ratio | 12.0723% | 5,976 |
| Memoranda: | ||
| Average total assets | $46,796,500 | 6,999 |
| Average earning assets | $43,696,500 | 6,947 |
| Average equity | $3,559,000 | 7,603 |
| Average total loans | $25,135,500 | 7,059 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9752% | 5,667 |
| Cost of funding earning assets | 2.1894% | 5,644 |
| Net interest margin | 3.7859% | 4,078 |
| Noninterest income to average assets | 0.6280% | 3,648 |
| Noninterest expense to average assets | 3.2397% | 3,185 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9009% | 2,996 |
| Return on assets (ROA) | 0.9030% | 2,831 |
| Pretax return on assets | 0.9030% | 3,710 |
| Return on Equity (ROE) | 12.2922% | 1,519 |
| Retained earnings to average equity (ytd only) | 4.0384% | 2,621 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2427% | 2,877 |
| Assets per employee ($millions) | 2.6244% | 6,950 |
| Cash dividends to net income (ytd only)* | 67.1463% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5704% | 7,728 |
| Loan loss allowance to noncurrent loans | 21.2299% | 7,177 |
| Noncurrent assets plus other real estate owned to assets | 1.3697% | 3,452 |
| Noncurrent loans to loans | 2.6869% | 2,017 |
| Net loans and leases to total assets | 50.6879% | 6,969 |
| Net loans and leases to deposits | 55.5812% | 7,351 |
| Net loans and leases to core deposits | 69.0649% | 7,246 |
| Total domestic deposits to total assets | 91.1961% | 273 |
| Equity capital to assets | 7.0572% | 7,707 |
| Core capital (leverage) ratio | 7.0563% | 7,649 |
| Tier 1 risk-based capital ratio | 10.7359% | 5,967 |
| Total risk-based capital ratio | 11.1952% | 6,691 |
| Memoranda: | ||
| Average total assets | $46,177,600 | 6,929 |
| Average earning assets | $42,843,400 | 6,906 |
| Average equity | $3,392,400 | 7,724 |
| Average total loans | $24,928,000 | 7,029 |