Home > The Citizens Bank > Performance and Condition Ratios
The Citizens Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8998% | 2,273 |
| Cost of funding earning assets | 0.4749% | 4,221 |
| Net interest margin | 4.4249% | 686 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 3.3761% | 679 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.3683% | 1,281 |
| Return on assets (ROA) | 1.3683% | 1,250 |
| Pretax return on assets | 1.3724% | 1,696 |
| Return on Equity (ROE) | 23.2700% | 389 |
| Retained earnings to average equity (ytd only) | 10.8093% | 839 |
| Net charge-offs to loans | 0.0572% | 1,285 |
| Credit loss provision to net charge-offs | 342.8571% | 869 |
| Earnings coverage of net charge-offs (x) | 41.9286% | 1,421 |
| Efficiency ratio | 68.8970% | 2,018 |
| Assets per employee ($millions) | 3.8285% | 4,216 |
| Cash dividends to net income (ytd only)* | 53.5541% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 3,385 |
| Loan loss allowance to noncurrent loans | 396.8454% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 2,433 |
| Noncurrent loans to loans | 0.2483% | 2,310 |
| Net loans and leases to total assets | 66.0500% | 2,248 |
| Net loans and leases to deposits | 77.9377% | 2,268 |
| Net loans and leases to core deposits | 78.7558% | 2,779 |
| Total domestic deposits to total assets | 84.7400% | 2,398 |
| Equity capital to assets | 6.6851% | 4,055 |
| Core capital (leverage) ratio | 7.6614% | 4,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2030% | 1,473 |
| Memoranda: | ||
| Average total assets | $196,378,400 | 3,009 |
| Average earning assets | $185,313,400 | 2,970 |
| Average equity | $11,545,600 | 3,571 |
| Average total loans | $122,423,600 | 2,927 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7880% | 2,292 |
| Cost of funding earning assets | 0.4377% | 4,216 |
| Net interest margin | 4.3503% | 752 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 3.4720% | 568 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.1571% | 1,905 |
| Return on assets (ROA) | 1.1571% | 1,887 |
| Pretax return on assets | 1.2084% | 2,278 |
| Return on Equity (ROE) | 20.3600% | 689 |
| Retained earnings to average equity (ytd only) | 11.0507% | 1,151 |
| Net charge-offs to loans | 0.0539% | 1,134 |
| Credit loss provision to net charge-offs | 367.3469% | 765 |
| Earnings coverage of net charge-offs (x) | 40.2245% | 1,441 |
| Efficiency ratio | 72.0809% | 1,558 |
| Assets per employee ($millions) | 4.0034% | 4,169 |
| Cash dividends to net income (ytd only)* | 45.7143% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 3,419 |
| Loan loss allowance to noncurrent loans | 400.9868% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 2,568 |
| Noncurrent loans to loans | 0.2467% | 2,356 |
| Net loans and leases to total assets | 60.9500% | 2,752 |
| Net loans and leases to deposits | 74.1413% | 2,551 |
| Net loans and leases to core deposits | 74.9116% | 2,934 |
| Total domestic deposits to total assets | 82.2100% | 3,175 |
| Equity capital to assets | 5.6133% | 4,104 |
| Core capital (leverage) ratio | 7.4091% | 4,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2094% | 1,500 |
| Memoranda: | ||
| Average total assets | $197,616,750 | 3,014 |
| Average earning assets | $186,710,250 | 2,980 |
| Average equity | $11,232,750 | 3,600 |
| Average total loans | $121,107,750 | 2,943 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6687% | 2,270 |
| Cost of funding earning assets | 0.3843% | 4,193 |
| Net interest margin | 4.2844% | 825 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 3.4874% | 545 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.0927% | 2,143 |
| Return on assets (ROA) | 1.0927% | 2,138 |
| Pretax return on assets | 1.1221% | 2,582 |
| Return on Equity (ROE) | 19.1400% | 816 |
| Retained earnings to average equity (ytd only) | 10.4526% | 1,292 |
| Net charge-offs to loans | 0.0565% | 966 |
| Credit loss provision to net charge-offs | 352.9412% | 786 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,464 |
| Efficiency ratio | 73.7057% | 1,378 |
| Assets per employee ($millions) | 3.9577% | 4,199 |
| Cash dividends to net income (ytd only)* | 45.3953% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 3,560 |
| Loan loss allowance to noncurrent loans | 386.1842% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 2,514 |
| Noncurrent loans to loans | 0.2493% | 2,266 |
| Net loans and leases to total assets | 58.6800% | 2,899 |
| Net loans and leases to deposits | 70.6872% | 2,732 |
| Net loans and leases to core deposits | 71.1817% | 3,055 |
| Total domestic deposits to total assets | 83.0200% | 3,044 |
| Equity capital to assets | 5.5161% | 4,290 |
| Core capital (leverage) ratio | 7.2169% | 4,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9272% | 1,595 |
| Memoranda: | ||
| Average total assets | $196,766,000 | 3,024 |
| Average earning assets | $186,305,333 | 2,988 |
| Average equity | $11,231,667 | 3,610 |
| Average total loans | $120,402,667 | 2,943 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5511% | 2,188 |
| Cost of funding earning assets | 0.3251% | 4,132 |
| Net interest margin | 4.2261% | 910 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 3.5204% | 523 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.0424% | 2,408 |
| Return on assets (ROA) | 1.0424% | 2,372 |
| Pretax return on assets | 1.0424% | 2,879 |
| Return on Equity (ROE) | 17.9400% | 1,038 |
| Retained earnings to average equity (ytd only) | 17.7595% | 531 |
| Net charge-offs to loans | 0.0769% | 686 |
| Credit loss provision to net charge-offs | 260.8696% | 736 |
| Earnings coverage of net charge-offs (x) | 24.3913% | 1,387 |
| Efficiency ratio | 75.0999% | 1,238 |
| Assets per employee ($millions) | 3.8610% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.9980% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 3,758 |
| Loan loss allowance to noncurrent loans | 362.9032% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 2,425 |
| Noncurrent loans to loans | 0.2581% | 2,223 |
| Net loans and leases to total assets | 59.2500% | 2,744 |
| Net loans and leases to deposits | 71.4014% | 2,515 |
| Net loans and leases to core deposits | 71.7827% | 2,836 |
| Total domestic deposits to total assets | 82.9900% | 3,299 |
| Equity capital to assets | 5.8021% | 4,263 |
| Core capital (leverage) ratio | 7.4601% | 4,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2956% | 1,545 |
| Memoranda: | ||
| Average total assets | $192,249,500 | 3,086 |
| Average earning assets | $182,108,500 | 3,054 |
| Average equity | $11,171,500 | 3,658 |
| Average total loans | $119,632,500 | 2,984 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7604% | 2,375 |
| Cost of funding earning assets | 0.1542% | 4,103 |
| Net interest margin | 3.6062% | 1,628 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 3.3158% | 613 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.7463% | 3,492 |
| Return on assets (ROA) | 0.7463% | 3,433 |
| Pretax return on assets | 0.7504% | 3,742 |
| Return on Equity (ROE) | 12.2300% | 2,064 |
| Retained earnings to average equity (ytd only) | 6.2786% | 2,543 |
| Net charge-offs to loans | 0.0061% | 2,195 |
| Credit loss provision to net charge-offs | 1,285.7143% | 360 |
| Earnings coverage of net charge-offs (x) | 220.0000% | 608 |
| Efficiency ratio | 80.6216% | 671 |
| Assets per employee ($millions) | 3.4666% | 4,444 |
| Cash dividends to net income (ytd only)* | 48.6824% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 3,719 |
| Loan loss allowance to noncurrent loans | 253.0233% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 1,973 |
| Noncurrent loans to loans | 0.3608% | 1,846 |
| Net loans and leases to total assets | 64.2700% | 2,222 |
| Net loans and leases to deposits | 71.7808% | 2,425 |
| Net loans and leases to core deposits | 72.1677% | 2,712 |
| Total domestic deposits to total assets | 89.5400% | 1,541 |
| Equity capital to assets | 5.8206% | 4,148 |
| Core capital (leverage) ratio | 7.1594% | 4,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9651% | 1,637 |
| Memoranda: | ||
| Average total assets | $193,228,000 | 3,080 |
| Average earning assets | $182,878,800 | 3,048 |
| Average equity | $11,786,000 | 3,684 |
| Average total loans | $114,672,200 | 2,982 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4952% | 2,635 |
| Cost of funding earning assets | 0.1368% | 3,971 |
| Net interest margin | 3.3583% | 2,109 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 3.1764% | 709 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.6578% | 3,673 |
| Return on assets (ROA) | 0.6578% | 3,633 |
| Pretax return on assets | 0.6619% | 3,882 |
| Return on Equity (ROE) | 10.6700% | 2,514 |
| Retained earnings to average equity (ytd only) | 5.9263% | 2,774 |
| Net charge-offs to loans | -0.0070% | 3,586 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.7687% | 664 |
| Assets per employee ($millions) | 3.6928% | 4,433 |
| Cash dividends to net income (ytd only)* | 44.4560% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 3,778 |
| Loan loss allowance to noncurrent loans | 239.7778% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.2299% | 2,082 |
| Noncurrent loans to loans | 0.3865% | 1,847 |
| Net loans and leases to total assets | 58.9400% | 2,607 |
| Net loans and leases to deposits | 65.8605% | 2,732 |
| Net loans and leases to core deposits | 66.3889% | 2,924 |
| Total domestic deposits to total assets | 89.4900% | 1,878 |
| Equity capital to assets | 5.0996% | 4,265 |
| Core capital (leverage) ratio | 7.0204% | 4,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6640% | 1,826 |
| Memoranda: | ||
| Average total assets | $195,603,000 | 3,093 |
| Average earning assets | $185,166,250 | 3,059 |
| Average equity | $12,059,000 | 3,705 |
| Average total loans | $113,546,250 | 3,003 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2811% | 2,797 |
| Cost of funding earning assets | 0.1253% | 3,910 |
| Net interest margin | 3.1558% | 2,343 |
| Noninterest income to average assets | 0.7036% | 1,321 |
| Noninterest expense to average assets | 3.0875% | 744 |
| Loan and lease loss provision to assets | 0.0460% | 1,746 |
| Net operating income to assets | 0.5533% | 3,753 |
| Return on assets (ROA) | 0.5533% | 3,704 |
| Pretax return on assets | 0.5574% | 3,911 |
| Return on Equity (ROE) | 8.4852% | 2,871 |
| Retained earnings to average equity (ytd only) | 5.3013% | 2,587 |
| Net charge-offs to loans | 0.0249% | 1,228 |
| Credit loss provision to net charge-offs | 321.4286% | 776 |
| Earnings coverage of net charge-offs (x) | 42.1429% | 1,234 |
| Efficiency ratio | 83.6520% | 702 |
| Assets per employee ($millions) | 3.7917% | 4,454 |
| Cash dividends to net income (ytd only)* | 37.5231% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 3,957 |
| Loan loss allowance to noncurrent loans | 238.7097% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 2,214 |
| Noncurrent loans to loans | 0.3758% | 2,015 |
| Net loans and leases to total assets | 58.0408% | 2,534 |
| Net loans and leases to deposits | 65.2383% | 2,612 |
| Net loans and leases to core deposits | 66.0051% | 2,817 |
| Total domestic deposits to total assets | 88.9674% | 2,200 |
| Equity capital to assets | 5.7843% | 4,278 |
| Core capital (leverage) ratio | 6.9361% | 4,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5274% | 1,856 |
| Memoranda: | ||
| Average total assets | $195,564,000 | 3,121 |
| Average earning assets | $185,118,667 | 3,100 |
| Average equity | $12,751,667 | 3,706 |
| Average total loans | $112,584,000 | 3,037 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1417% | 2,849 |
| Cost of funding earning assets | 0.1387% | 3,648 |
| Net interest margin | 3.0030% | 2,492 |
| Noninterest income to average assets | 0.6161% | 1,624 |
| Noninterest expense to average assets | 3.1074% | 684 |
| Loan and lease loss provision to assets | 0.0452% | 1,552 |
| Net operating income to assets | 0.3101% | 4,124 |
| Return on assets (ROA) | 0.3101% | 4,091 |
| Pretax return on assets | 0.3101% | 4,173 |
| Return on Equity (ROE) | 4.4991% | 3,763 |
| Retained earnings to average equity (ytd only) | 4.2011% | 2,867 |
| Net charge-offs to loans | 0.0144% | 1,251 |
| Credit loss provision to net charge-offs | 550.0000% | 487 |
| Earnings coverage of net charge-offs (x) | 43.2500% | 980 |
| Efficiency ratio | 89.7390% | 560 |
| Assets per employee ($millions) | 3.6392% | 4,522 |
| Cash dividends to net income (ytd only)* | 6.6225% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 4,037 |
| Loan loss allowance to noncurrent loans | 192.6554% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 1,958 |
| Noncurrent loans to loans | 0.4683% | 1,850 |
| Net loans and leases to total assets | 58.2560% | 2,270 |
| Net loans and leases to deposits | 66.0524% | 2,335 |
| Net loans and leases to core deposits | 66.9549% | 2,540 |
| Total domestic deposits to total assets | 88.1967% | 2,435 |
| Equity capital to assets | 6.4295% | 4,455 |
| Core capital (leverage) ratio | 6.9174% | 4,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7335% | 1,906 |
| Memoranda: | ||
| Average total assets | $194,761,000 | 3,136 |
| Average earning assets | $184,614,000 | 3,114 |
| Average equity | $13,425,000 | 3,715 |
| Average total loans | $111,138,500 | 3,045 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7230% | 2,048 |
| Cost of funding earning assets | 0.1543% | 3,924 |
| Net interest margin | 3.5688% | 1,555 |
| Noninterest income to average assets | 0.5521% | 2,351 |
| Noninterest expense to average assets | 2.8791% | 1,197 |
| Loan and lease loss provision to assets | 0.0441% | 2,176 |
| Net operating income to assets | 1.0000% | 2,664 |
| Return on assets (ROA) | 1.0000% | 2,734 |
| Pretax return on assets | 1.0034% | 3,250 |
| Return on Equity (ROE) | 14.0173% | 1,181 |
| Retained earnings to average equity (ytd only) | 7.8354% | 1,605 |
| Net charge-offs to loans | 0.0196% | 1,883 |
| Credit loss provision to net charge-offs | 409.0909% | 899 |
| Earnings coverage of net charge-offs (x) | 97.2727% | 894 |
| Efficiency ratio | 72.5131% | 1,454 |
| Assets per employee ($millions) | 3.7103% | 4,528 |
| Cash dividends to net income (ytd only)* | 44.1018% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 4,008 |
| Loan loss allowance to noncurrent loans | 170.3390% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 1,976 |
| Noncurrent loans to loans | 0.5418% | 1,769 |
| Net loans and leases to total assets | 54.8636% | 2,744 |
| Net loans and leases to deposits | 62.7898% | 2,797 |
| Net loans and leases to core deposits | 63.6375% | 3,014 |
| Total domestic deposits to total assets | 87.3767% | 2,351 |
| Equity capital to assets | 7.3478% | 4,643 |
| Core capital (leverage) ratio | 6.2778% | 4,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1825% | 1,784 |
| Memoranda: | ||
| Average total assets | $204,297,800 | 3,031 |
| Average earning assets | $193,176,200 | 3,009 |
| Average equity | $14,574,800 | 3,681 |
| Average total loans | $112,244,400 | 3,041 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6843% | 2,321 |
| Cost of funding earning assets | 0.1532% | 4,080 |
| Net interest margin | 3.5311% | 1,781 |
| Noninterest income to average assets | 0.5425% | 2,448 |
| Noninterest expense to average assets | 2.8236% | 1,288 |
| Loan and lease loss provision to assets | 0.0441% | 2,115 |
| Net operating income to assets | 1.0093% | 2,869 |
| Return on assets (ROA) | 1.0093% | 2,937 |
| Pretax return on assets | 1.0125% | 3,417 |
| Return on Equity (ROE) | 14.2493% | 1,325 |
| Retained earnings to average equity (ytd only) | 7.6678% | 2,159 |
| Net charge-offs to loans | 0.0059% | 2,107 |
| Credit loss provision to net charge-offs | 1,360.0000% | 430 |
| Earnings coverage of net charge-offs (x) | 326.8000% | 412 |
| Efficiency ratio | 71.9547% | 1,409 |
| Assets per employee ($millions) | 4.0808% | 4,397 |
| Cash dividends to net income (ytd only)* | 46.1883% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 4,101 |
| Loan loss allowance to noncurrent loans | 166.3894% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 2,314 |
| Noncurrent loans to loans | 0.5534% | 1,930 |
| Net loans and leases to total assets | 49.7494% | 3,435 |
| Net loans and leases to deposits | 63.2500% | 2,929 |
| Net loans and leases to core deposits | 64.1180% | 3,128 |
| Total domestic deposits to total assets | 78.6552% | 4,361 |
| Equity capital to assets | 6.7458% | 4,851 |
| Core capital (leverage) ratio | 6.2062% | 4,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0174% | 1,962 |
| Memoranda: | ||
| Average total assets | $206,211,250 | 3,052 |
| Average earning assets | $194,910,000 | 3,033 |
| Average equity | $14,606,250 | 3,725 |
| Average total loans | $113,082,750 | 3,065 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 1,352 |
| Cost of funding earning assets | 0.1541% | 4,174 |
| Net interest margin | 3.9467% | 900 |
| Noninterest income to average assets | 0.5196% | 2,529 |
| Noninterest expense to average assets | 2.8562% | 1,241 |
| Loan and lease loss provision to assets | 0.0444% | 2,127 |
| Net operating income to assets | 1.3517% | 1,702 |
| Return on assets (ROA) | 1.3517% | 1,786 |
| Pretax return on assets | 1.3557% | 2,451 |
| Return on Equity (ROE) | 18.7658% | 563 |
| Retained earnings to average equity (ytd only) | 11.1007% | 1,105 |
| Net charge-offs to loans | 0.0384% | 1,248 |
| Credit loss provision to net charge-offs | 204.5455% | 1,044 |
| Earnings coverage of net charge-offs (x) | 64.5455% | 937 |
| Efficiency ratio | 66.3424% | 2,099 |
| Assets per employee ($millions) | 4.0830% | 4,404 |
| Cash dividends to net income (ytd only)* | 40.8461% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8383% | 4,304 |
| Loan loss allowance to noncurrent loans | 136.9472% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 2,123 |
| Noncurrent loans to loans | 0.6121% | 1,871 |
| Net loans and leases to total assets | 53.4861% | 3,194 |
| Net loans and leases to deposits | 68.5265% | 2,566 |
| Net loans and leases to core deposits | 69.4956% | 2,828 |
| Total domestic deposits to total assets | 78.0517% | 4,427 |
| Equity capital to assets | 6.9316% | 4,859 |
| Core capital (leverage) ratio | 6.2223% | 4,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0039% | 1,971 |
| Memoranda: | ||
| Average total assets | $202,854,333 | 3,076 |
| Average earning assets | $192,060,000 | 3,047 |
| Average equity | $14,611,667 | 3,728 |
| Average total loans | $114,577,333 | 3,059 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 356 |
| Cost of funding earning assets | 0.1560% | 4,264 |
| Net interest margin | 4.8399% | 230 |
| Noninterest income to average assets | 0.5169% | 2,533 |
| Noninterest expense to average assets | 2.9335% | 1,104 |
| Loan and lease loss provision to assets | 0.0464% | 2,152 |
| Net operating income to assets | 2.1098% | 483 |
| Return on assets (ROA) | 2.1098% | 526 |
| Pretax return on assets | 2.1098% | 795 |
| Return on Equity (ROE) | 28.7108% | 166 |
| Retained earnings to average equity (ytd only) | 28.1063% | 95 |
| Net charge-offs to loans | 0.0803% | 796 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 46.4348% | 928 |
| Efficiency ratio | 57.0012% | 3,428 |
| Assets per employee ($millions) | 4.0151% | 4,469 |
| Cash dividends to net income (ytd only)* | 2.1053% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8130% | 4,384 |
| Loan loss allowance to noncurrent loans | 132.7195% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 2,179 |
| Noncurrent loans to loans | 0.6125% | 2,038 |
| Net loans and leases to total assets | 56.9443% | 2,919 |
| Net loans and leases to deposits | 70.9087% | 2,428 |
| Net loans and leases to core deposits | 71.9381% | 2,709 |
| Total domestic deposits to total assets | 80.3064% | 4,160 |
| Equity capital to assets | 7.4787% | 4,717 |
| Core capital (leverage) ratio | 6.7030% | 4,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3105% | 2,159 |
| Memoranda: | ||
| Average total assets | $198,123,000 | 3,106 |
| Average earning assets | $187,194,500 | 3,077 |
| Average equity | $14,559,000 | 3,738 |
| Average total loans | $114,606,000 | 3,066 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8499% | 3,165 |
| Cost of funding earning assets | 0.3151% | 4,057 |
| Net interest margin | 3.5348% | 2,355 |
| Noninterest income to average assets | 0.6350% | 2,084 |
| Noninterest expense to average assets | 3.4542% | 741 |
| Loan and lease loss provision to assets | 0.1229% | 2,830 |
| Net operating income to assets | 0.3605% | 4,328 |
| Return on assets (ROA) | 0.3605% | 4,398 |
| Pretax return on assets | 0.3605% | 4,470 |
| Return on Equity (ROE) | 4.4406% | 4,044 |
| Retained earnings to average equity (ytd only) | 2.2780% | 3,716 |
| Net charge-offs to loans | 0.1054% | 1,414 |
| Credit loss provision to net charge-offs | 179.4872% | 2,269 |
| Earnings coverage of net charge-offs (x) | 7.0598% | 2,725 |
| Efficiency ratio | 86.7568% | 500 |
| Assets per employee ($millions) | 3.9098% | 4,438 |
| Cash dividends to net income (ytd only)* | 48.7013% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8222% | 4,377 |
| Loan loss allowance to noncurrent loans | 132.5318% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.4230% | 2,311 |
| Noncurrent loans to loans | 0.6204% | 2,141 |
| Net loans and leases to total assets | 57.8132% | 3,105 |
| Net loans and leases to deposits | 76.9816% | 2,173 |
| Net loans and leases to core deposits | 78.4500% | 2,521 |
| Total domestic deposits to total assets | 75.1000% | 4,570 |
| Equity capital to assets | 7.2147% | 4,885 |
| Core capital (leverage) ratio | 6.4945% | 4,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8774% | 2,682 |
| Memoranda: | ||
| Average total assets | $170,865,800 | 3,187 |
| Average earning assets | $159,641,000 | 3,171 |
| Average equity | $13,872,000 | 3,776 |
| Average total loans | $111,018,000 | 3,086 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 2,626 |
| Cost of funding earning assets | 0.3658% | 3,974 |
| Net interest margin | 3.7532% | 1,753 |
| Noninterest income to average assets | 0.6589% | 1,949 |
| Noninterest expense to average assets | 3.5893% | 621 |
| Loan and lease loss provision to assets | 0.1700% | 2,295 |
| Net operating income to assets | 0.3966% | 4,271 |
| Return on assets (ROA) | 0.3966% | 4,338 |
| Pretax return on assets | 0.3966% | 4,434 |
| Return on Equity (ROE) | 4.7294% | 3,965 |
| Retained earnings to average equity (ytd only) | 2.2199% | 3,854 |
| Net charge-offs to loans | 0.0737% | 1,573 |
| Credit loss provision to net charge-offs | 344.2623% | 1,629 |
| Earnings coverage of net charge-offs (x) | 11.4754% | 2,301 |
| Efficiency ratio | 85.4110% | 537 |
| Assets per employee ($millions) | 3.6151% | 4,603 |
| Cash dividends to net income (ytd only)* | 53.0612% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 4,166 |
| Loan loss allowance to noncurrent loans | 159.9034% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 2,529 |
| Noncurrent loans to loans | 0.5426% | 2,442 |
| Net loans and leases to total assets | 62.7732% | 2,912 |
| Net loans and leases to deposits | 79.9331% | 2,321 |
| Net loans and leases to core deposits | 81.1421% | 2,740 |
| Total domestic deposits to total assets | 78.5321% | 4,125 |
| Equity capital to assets | 7.7735% | 4,785 |
| Core capital (leverage) ratio | 6.6252% | 4,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4814% | 2,429 |
| Memoranda: | ||
| Average total assets | $164,709,750 | 3,220 |
| Average earning assets | $153,465,000 | 3,208 |
| Average equity | $13,814,000 | 3,781 |
| Average total loans | $110,283,500 | 3,106 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4319% | 2,123 |
| Cost of funding earning assets | 0.3975% | 4,043 |
| Net interest margin | 4.0344% | 1,252 |
| Noninterest income to average assets | 0.6827% | 1,799 |
| Noninterest expense to average assets | 3.6947% | 584 |
| Loan and lease loss provision to assets | 0.2636% | 1,612 |
| Net operating income to assets | 0.4694% | 4,087 |
| Return on assets (ROA) | 0.4694% | 4,152 |
| Pretax return on assets | 0.4694% | 4,301 |
| Return on Equity (ROE) | 5.4459% | 3,700 |
| Retained earnings to average equity (ytd only) | 5.0091% | 2,467 |
| Net charge-offs to loans | 0.0478% | 1,799 |
| Credit loss provision to net charge-offs | 807.6923% | 914 |
| Earnings coverage of net charge-offs (x) | 22.4615% | 1,626 |
| Efficiency ratio | 82.5113% | 729 |
| Assets per employee ($millions) | 3.5890% | 4,613 |
| Cash dividends to net income (ytd only)* | 8.0214% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 3,951 |
| Loan loss allowance to noncurrent loans | 105.6526% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.6230% | 1,952 |
| Noncurrent loans to loans | 0.8625% | 1,766 |
| Net loans and leases to total assets | 62.2944% | 3,096 |
| Net loans and leases to deposits | 78.3240% | 2,619 |
| Net loans and leases to core deposits | 79.3267% | 3,001 |
| Total domestic deposits to total assets | 79.5342% | 3,934 |
| Equity capital to assets | 7.8779% | 4,773 |
| Core capital (leverage) ratio | 7.1229% | 4,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0283% | 2,594 |
| Memoranda: | ||
| Average total assets | $159,361,667 | 3,255 |
| Average earning assets | $147,928,667 | 3,244 |
| Average equity | $13,735,000 | 3,799 |
| Average total loans | $108,892,000 | 3,117 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5362% | 2,204 |
| Cost of funding earning assets | 0.4661% | 4,085 |
| Net interest margin | 4.0702% | 1,197 |
| Noninterest income to average assets | 0.8331% | 1,214 |
| Noninterest expense to average assets | 3.9969% | 512 |
| Loan and lease loss provision to assets | 0.0804% | 2,706 |
| Net operating income to assets | 0.5224% | 3,834 |
| Return on assets (ROA) | 0.5224% | 3,891 |
| Pretax return on assets | 0.5224% | 4,083 |
| Return on Equity (ROE) | 5.7633% | 3,403 |
| Retained earnings to average equity (ytd only) | 5.7633% | 1,972 |
| Net charge-offs to loans | 0.0748% | 1,275 |
| Credit loss provision to net charge-offs | 150.0000% | 1,583 |
| Earnings coverage of net charge-offs (x) | 11.2500% | 1,735 |
| Efficiency ratio | 85.9639% | 711 |
| Assets per employee ($millions) | 2.9814% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7958% | 4,427 |
| Loan loss allowance to noncurrent loans | 78.4926% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.8271% | 1,624 |
| Noncurrent loans to loans | 1.0139% | 1,634 |
| Net loans and leases to total assets | 71.4145% | 2,016 |
| Net loans and leases to deposits | 84.7199% | 2,137 |
| Net loans and leases to core deposits | 85.9469% | 2,685 |
| Total domestic deposits to total assets | 84.2948% | 2,672 |
| Equity capital to assets | 9.1466% | 4,508 |
| Core capital (leverage) ratio | 8.1588% | 4,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1309% | 2,222 |
| Memoranda: | ||
| Average total assets | $149,317,000 | 3,330 |
| Average earning assets | $138,176,000 | 3,335 |
| Average equity | $13,534,000 | 3,832 |
| Average total loans | $106,930,000 | 3,122 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0229% | 1,419 |
| Cost of funding earning assets | 0.4746% | 4,191 |
| Net interest margin | 4.5482% | 653 |
| Noninterest income to average assets | 0.8488% | 1,305 |
| Noninterest expense to average assets | 4.0024% | 528 |
| Loan and lease loss provision to assets | 0.0843% | 2,318 |
| Net operating income to assets | 0.9303% | 3,091 |
| Return on assets (ROA) | 0.9275% | 3,176 |
| Pretax return on assets | 0.9275% | 3,655 |
| Return on Equity (ROE) | 9.8472% | 2,362 |
| Retained earnings to average equity (ytd only) | 1.0295% | 4,373 |
| Net charge-offs to loans | 0.0845% | 1,908 |
| Credit loss provision to net charge-offs | 131.8681% | 1,934 |
| Earnings coverage of net charge-offs (x) | 15.8681% | 2,208 |
| Efficiency ratio | 78.8655% | 1,049 |
| Assets per employee ($millions) | 3.0523% | 4,796 |
| Cash dividends to net income (ytd only)* | 89.5455% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7921% | 4,329 |
| Loan loss allowance to noncurrent loans | 76.3110% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 0.8398% | 1,533 |
| Noncurrent loans to loans | 1.0380% | 1,457 |
| Net loans and leases to total assets | 70.6750% | 2,294 |
| Net loans and leases to deposits | 85.8432% | 2,109 |
| Net loans and leases to core deposits | 87.1059% | 2,698 |
| Total domestic deposits to total assets | 82.3304% | 3,414 |
| Equity capital to assets | 8.9816% | 4,691 |
| Core capital (leverage) ratio | 8.0427% | 5,022 |
| Tier 1 risk-based capital ratio | 12.8743% | 3,857 |
| Total risk-based capital ratio | 13.8136% | 3,918 |
| Memoranda: | ||
| Average total assets | $142,313,000 | 3,403 |
| Average earning assets | $130,423,800 | 3,415 |
| Average equity | $13,404,800 | 3,840 |
| Average total loans | $107,744,600 | 3,123 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1241% | 1,231 |
| Cost of funding earning assets | 0.4702% | 4,262 |
| Net interest margin | 4.6539% | 545 |
| Noninterest income to average assets | 0.8218% | 1,354 |
| Noninterest expense to average assets | 4.0445% | 504 |
| Loan and lease loss provision to assets | 0.0996% | 1,926 |
| Net operating income to assets | 0.9328% | 3,221 |
| Return on assets (ROA) | 0.9328% | 3,298 |
| Pretax return on assets | 0.9328% | 3,784 |
| Return on Equity (ROE) | 9.7825% | 2,524 |
| Retained earnings to average equity (ytd only) | 3.4433% | 3,691 |
| Net charge-offs to loans | 0.0346% | 2,382 |
| Credit loss provision to net charge-offs | 375.0000% | 807 |
| Earnings coverage of net charge-offs (x) | 38.8596% | 1,400 |
| Efficiency ratio | 78.7477% | 1,036 |
| Assets per employee ($millions) | 3.1073% | 4,833 |
| Cash dividends to net income (ytd only)* | 64.8017% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 4,296 |
| Loan loss allowance to noncurrent loans | 75.1474% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.0473% | 1,269 |
| Noncurrent loans to loans | 1.1084% | 1,432 |
| Net loans and leases to total assets | 74.3011% | 1,756 |
| Net loans and leases to deposits | 87.7297% | 1,970 |
| Net loans and leases to core deposits | 89.1099% | 2,625 |
| Total domestic deposits to total assets | 84.6931% | 2,543 |
| Equity capital to assets | 9.5980% | 4,393 |
| Core capital (leverage) ratio | 8.4450% | 4,969 |
| Tier 1 risk-based capital ratio | 13.1773% | 3,747 |
| Total risk-based capital ratio | 14.1767% | 3,784 |
| Memoranda: | ||
| Average total assets | $140,500,750 | 3,466 |
| Average earning assets | $128,462,500 | 3,481 |
| Average equity | $13,397,750 | 3,867 |
| Average total loans | $108,044,000 | 3,152 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1302% | 1,149 |
| Cost of funding earning assets | 0.4628% | 4,271 |
| Net interest margin | 4.6674% | 528 |
| Noninterest income to average assets | 0.8046% | 1,332 |
| Noninterest expense to average assets | 4.0562% | 498 |
| Loan and lease loss provision to assets | 0.1289% | 1,449 |
| Net operating income to assets | 0.8791% | 3,364 |
| Return on assets (ROA) | 0.8791% | 3,429 |
| Pretax return on assets | 0.8791% | 3,909 |
| Return on Equity (ROE) | 9.2396% | 2,762 |
| Retained earnings to average equity (ytd only) | 2.7087% | 3,846 |
| Net charge-offs to loans | 0.0406% | 2,080 |
| Credit loss provision to net charge-offs | 409.0909% | 701 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,415 |
| Efficiency ratio | 79.1631% | 1,046 |
| Assets per employee ($millions) | 2.9423% | 4,940 |
| Cash dividends to net income (ytd only)* | 70.6840% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8115% | 4,404 |
| Loan loss allowance to noncurrent loans | 105.3699% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.8844% | 1,589 |
| Noncurrent loans to loans | 0.7702% | 2,061 |
| Net loans and leases to total assets | 76.4175% | 1,486 |
| Net loans and leases to deposits | 89.3560% | 1,817 |
| Net loans and leases to core deposits | 90.3797% | 2,567 |
| Total domestic deposits to total assets | 85.5203% | 2,257 |
| Equity capital to assets | 9.5602% | 4,347 |
| Core capital (leverage) ratio | 8.4877% | 4,969 |
| Tier 1 risk-based capital ratio | 12.8380% | 3,919 |
| Total risk-based capital ratio | 13.8169% | 3,986 |
| Memoranda: | ||
| Average total assets | $139,689,000 | 3,497 |
| Average earning assets | $127,480,330 | 3,512 |
| Average equity | $13,290,670 | 3,886 |
| Average total loans | $108,360,330 | 3,164 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1073% | 1,086 |
| Cost of funding earning assets | 0.4554% | 4,263 |
| Net interest margin | 4.6519% | 548 |
| Noninterest income to average assets | 0.7515% | 1,427 |
| Noninterest expense to average assets | 4.0744% | 482 |
| Loan and lease loss provision to assets | 0.1296% | 1,350 |
| Net operating income to assets | 0.7832% | 3,676 |
| Return on assets (ROA) | 0.7832% | 3,723 |
| Pretax return on assets | 0.7832% | 4,085 |
| Return on Equity (ROE) | 8.2518% | 3,142 |
| Retained earnings to average equity (ytd only) | 5.8551% | 2,518 |
| Net charge-offs to loans | 0.0148% | 2,181 |
| Credit loss provision to net charge-offs | 1,125.0000% | 336 |
| Earnings coverage of net charge-offs (x) | 79.2500% | 772 |
| Efficiency ratio | 80.7737% | 983 |
| Assets per employee ($millions) | 3.0936% | 4,920 |
| Cash dividends to net income (ytd only)* | 29.0441% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7898% | 4,551 |
| Loan loss allowance to noncurrent loans | 163.0476% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 2,085 |
| Noncurrent loans to loans | 0.4844% | 2,858 |
| Net loans and leases to total assets | 77.2376% | 1,283 |
| Net loans and leases to deposits | 89.3985% | 1,698 |
| Net loans and leases to core deposits | 90.4216% | 2,455 |
| Total domestic deposits to total assets | 86.3970% | 2,112 |
| Equity capital to assets | 9.5918% | 4,170 |
| Core capital (leverage) ratio | 8.6349% | 4,925 |
| Tier 1 risk-based capital ratio | 12.9270% | 3,911 |
| Total risk-based capital ratio | 13.8830% | 3,962 |
| Memoranda: | ||
| Average total assets | $138,917,500 | 3,547 |
| Average earning assets | $126,486,500 | 3,564 |
| Average equity | $13,185,000 | 3,921 |
| Average total loans | $108,136,000 | 3,194 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0369% | 965 |
| Cost of funding earning assets | 0.4096% | 3,930 |
| Net interest margin | 4.6273% | 567 |
| Noninterest income to average assets | 0.6871% | 1,898 |
| Noninterest expense to average assets | 3.9885% | 538 |
| Loan and lease loss provision to assets | 0.1532% | 1,382 |
| Net operating income to assets | 0.7812% | 3,874 |
| Return on assets (ROA) | 0.7812% | 3,876 |
| Pretax return on assets | 0.7812% | 4,224 |
| Return on Equity (ROE) | 8.3650% | 3,289 |
| Retained earnings to average equity (ytd only) | 2.7258% | 4,041 |
| Net charge-offs to loans | 0.1466% | 1,305 |
| Credit loss provision to net charge-offs | 132.9114% | 1,998 |
| Earnings coverage of net charge-offs (x) | 8.1076% | 2,926 |
| Efficiency ratio | 80.0563% | 954 |
| Assets per employee ($millions) | 3.1505% | 4,884 |
| Cash dividends to net income (ytd only)* | 67.4136% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7554% | 4,660 |
| Loan loss allowance to noncurrent loans | 272.5753% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.5923% | 2,258 |
| Noncurrent loans to loans | 0.2771% | 3,571 |
| Net loans and leases to total assets | 77.2433% | 1,400 |
| Net loans and leases to deposits | 89.7732% | 1,828 |
| Net loans and leases to core deposits | 91.0279% | 2,493 |
| Total domestic deposits to total assets | 86.0427% | 2,207 |
| Equity capital to assets | 9.3902% | 4,225 |
| Core capital (leverage) ratio | 8.4565% | 5,049 |
| Tier 1 risk-based capital ratio | 12.7929% | 3,972 |
| Total risk-based capital ratio | 13.7102% | 4,032 |
| Memoranda: | ||
| Average total assets | $137,095,600 | 3,544 |
| Average earning assets | $125,494,000 | 3,567 |
| Average equity | $12,803,400 | 3,914 |
| Average total loans | $107,767,000 | 3,175 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9859% | 965 |
| Cost of funding earning assets | 0.3900% | 3,934 |
| Net interest margin | 4.5959% | 603 |
| Noninterest income to average assets | 0.7324% | 1,743 |
| Noninterest expense to average assets | 4.0492% | 495 |
| Loan and lease loss provision to assets | 0.1755% | 1,045 |
| Net operating income to assets | 0.7256% | 4,149 |
| Return on assets (ROA) | 0.7256% | 4,159 |
| Pretax return on assets | 0.7256% | 4,479 |
| Return on Equity (ROE) | 7.7802% | 3,631 |
| Retained earnings to average equity (ytd only) | 2.1542% | 4,520 |
| Net charge-offs to loans | 0.1299% | 1,232 |
| Credit loss provision to net charge-offs | 171.4286% | 1,555 |
| Earnings coverage of net charge-offs (x) | 8.7998% | 2,679 |
| Efficiency ratio | 80.8314% | 873 |
| Assets per employee ($millions) | 3.0681% | 4,991 |
| Cash dividends to net income (ytd only)* | 72.3119% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7755% | 4,699 |
| Loan loss allowance to noncurrent loans | 265.1899% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.7593% | 1,954 |
| Noncurrent loans to loans | 0.2924% | 3,633 |
| Net loans and leases to total assets | 79.4238% | 1,105 |
| Net loans and leases to deposits | 90.5489% | 1,819 |
| Net loans and leases to core deposits | 91.8222% | 2,499 |
| Total domestic deposits to total assets | 87.7137% | 1,385 |
| Equity capital to assets | 9.4329% | 4,148 |
| Core capital (leverage) ratio | 8.3407% | 5,181 |
| Tier 1 risk-based capital ratio | 12.6544% | 4,118 |
| Total risk-based capital ratio | 13.6006% | 4,176 |
| Memoranda: | ||
| Average total assets | $136,713,750 | 3,589 |
| Average earning assets | $125,471,750 | 3,604 |
| Average equity | $12,750,000 | 3,948 |
| Average total loans | $107,735,750 | 3,198 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9105% | 994 |
| Cost of funding earning assets | 0.3524% | 4,060 |
| Net interest margin | 4.5580% | 615 |
| Noninterest income to average assets | 0.7211% | 1,786 |
| Noninterest expense to average assets | 3.9989% | 534 |
| Loan and lease loss provision to assets | 0.1748% | 1,041 |
| Net operating income to assets | 0.7299% | 4,105 |
| Return on assets (ROA) | 0.7299% | 4,104 |
| Pretax return on assets | 0.7299% | 4,437 |
| Return on Equity (ROE) | 7.8555% | 3,563 |
| Retained earnings to average equity (ytd only) | 2.4304% | 4,290 |
| Net charge-offs to loans | 0.1226% | 1,196 |
| Credit loss provision to net charge-offs | 181.8182% | 1,397 |
| Earnings coverage of net charge-offs (x) | 9.4091% | 2,398 |
| Efficiency ratio | 80.5704% | 954 |
| Assets per employee ($millions) | 3.2021% | 4,928 |
| Cash dividends to net income (ytd only)* | 69.0619% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7531% | 4,819 |
| Loan loss allowance to noncurrent loans | 380.0000% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.6950% | 2,151 |
| Noncurrent loans to loans | 0.1982% | 4,016 |
| Net loans and leases to total assets | 78.1954% | 1,279 |
| Net loans and leases to deposits | 90.5184% | 1,779 |
| Net loans and leases to core deposits | 91.5482% | 2,439 |
| Total domestic deposits to total assets | 86.3862% | 2,105 |
| Equity capital to assets | 9.2446% | 4,337 |
| Core capital (leverage) ratio | 8.2985% | 5,212 |
| Tier 1 risk-based capital ratio | 12.5294% | 4,167 |
| Total risk-based capital ratio | 13.4484% | 4,251 |
| Memoranda: | ||
| Average total assets | $137,286,330 | 3,607 |
| Average earning assets | $125,976,000 | 3,623 |
| Average equity | $12,755,330 | 3,968 |
| Average total loans | $107,628,670 | 3,209 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8591% | 956 |
| Cost of funding earning assets | 0.2825% | 4,487 |
| Net interest margin | 4.5766% | 528 |
| Noninterest income to average assets | 0.6915% | 1,869 |
| Noninterest expense to average assets | 3.9975% | 534 |
| Loan and lease loss provision to assets | 0.1751% | 995 |
| Net operating income to assets | 0.7266% | 3,995 |
| Return on assets (ROA) | 0.7266% | 4,006 |
| Pretax return on assets | 0.7266% | 4,370 |
| Return on Equity (ROE) | 7.8004% | 3,466 |
| Retained earnings to average equity (ytd only) | 5.3569% | 3,010 |
| Net charge-offs to loans | 0.1978% | 742 |
| Credit loss provision to net charge-offs | 113.2075% | 1,426 |
| Earnings coverage of net charge-offs (x) | 5.8302% | 2,195 |
| Efficiency ratio | 80.6432% | 1,072 |
| Assets per employee ($millions) | 3.2610% | 4,942 |
| Cash dividends to net income (ytd only)* | 31.3253% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7188% | 4,989 |
| Loan loss allowance to noncurrent loans | 762.3762% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 2,442 |
| Noncurrent loans to loans | 0.0943% | 4,552 |
| Net loans and leases to total assets | 77.6489% | 1,288 |
| Net loans and leases to deposits | 92.7129% | 1,366 |
| Net loans and leases to core deposits | 93.4133% | 2,183 |
| Total domestic deposits to total assets | 83.7519% | 3,419 |
| Equity capital to assets | 9.3382% | 4,235 |
| Core capital (leverage) ratio | 8.3064% | 5,255 |
| Tier 1 risk-based capital ratio | 12.6003% | 4,177 |
| Total risk-based capital ratio | 13.4713% | 4,318 |
| Memoranda: | ||
| Average total assets | $137,084,000 | 3,644 |
| Average earning assets | $126,032,500 | 3,646 |
| Average equity | $12,768,500 | 4,000 |
| Average total loans | $107,200,500 | 3,242 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7408% | 1,095 |
| Cost of funding earning assets | 0.2347% | 4,689 |
| Net interest margin | 4.5061% | 600 |
| Noninterest income to average assets | 0.6740% | 2,074 |
| Noninterest expense to average assets | 3.8175% | 681 |
| Loan and lease loss provision to assets | 0.1530% | 1,475 |
| Net operating income to assets | 0.8030% | 3,145 |
| Return on assets (ROA) | 0.8030% | 3,185 |
| Pretax return on assets | 0.8030% | 4,230 |
| Return on Equity (ROE) | 8.6590% | 2,471 |
| Retained earnings to average equity (ytd only) | 2.6244% | 3,750 |
| Net charge-offs to loans | 0.1468% | 1,615 |
| Credit loss provision to net charge-offs | 137.2549% | 1,928 |
| Earnings coverage of net charge-offs (x) | 8.5752% | 2,892 |
| Efficiency ratio | 78.9803% | 1,223 |
| Assets per employee ($millions) | 3.1908% | 5,039 |
| Cash dividends to net income (ytd only)* | 69.6915% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7112% | 5,049 |
| Loan loss allowance to noncurrent loans | 303.9841% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 2,377 |
| Noncurrent loans to loans | 0.2340% | 3,964 |
| Net loans and leases to total assets | 77.6340% | 1,329 |
| Net loans and leases to deposits | 96.1466% | 1,079 |
| Net loans and leases to core deposits | 96.6158% | 1,974 |
| Total domestic deposits to total assets | 80.7455% | 4,183 |
| Equity capital to assets | 9.2905% | 4,438 |
| Core capital (leverage) ratio | 8.1049% | 5,398 |
| Tier 1 risk-based capital ratio | 12.5068% | 4,201 |
| Total risk-based capital ratio | 13.3741% | 4,341 |
| Memoranda: | ||
| Average total assets | $137,237,600 | 3,646 |
| Average earning assets | $124,852,400 | 3,671 |
| Average equity | $12,726,600 | 4,026 |
| Average total loans | $104,207,000 | 3,277 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7032% | 1,126 |
| Cost of funding earning assets | 0.2280% | 4,755 |
| Net interest margin | 4.4753% | 633 |
| Noninterest income to average assets | 0.7169% | 1,930 |
| Noninterest expense to average assets | 3.7878% | 684 |
| Loan and lease loss provision to assets | 0.1379% | 1,552 |
| Net operating income to assets | 0.8530% | 3,261 |
| Return on assets (ROA) | 0.8530% | 3,309 |
| Pretax return on assets | 0.8530% | 4,200 |
| Return on Equity (ROE) | 9.2021% | 2,495 |
| Retained earnings to average equity (ytd only) | 3.1337% | 4,044 |
| Net charge-offs to loans | 0.1108% | 1,681 |
| Credit loss provision to net charge-offs | 165.1163% | 1,565 |
| Earnings coverage of net charge-offs (x) | 11.8609% | 2,471 |
| Efficiency ratio | 78.2679% | 1,297 |
| Assets per employee ($millions) | 3.2708% | 4,991 |
| Cash dividends to net income (ytd only)* | 65.9451% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7193% | 5,098 |
| Loan loss allowance to noncurrent loans | 504.6358% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 2,723 |
| Noncurrent loans to loans | 0.1425% | 4,485 |
| Net loans and leases to total assets | 74.7807% | 1,790 |
| Net loans and leases to deposits | 94.1172% | 1,294 |
| Net loans and leases to core deposits | 94.5912% | 2,214 |
| Total domestic deposits to total assets | 79.4548% | 4,445 |
| Equity capital to assets | 9.1663% | 4,756 |
| Core capital (leverage) ratio | 8.1336% | 5,458 |
| Tier 1 risk-based capital ratio | 12.5820% | 4,268 |
| Total risk-based capital ratio | 13.4571% | 4,387 |
| Memoranda: | ||
| Average total assets | $137,246,000 | 3,684 |
| Average earning assets | $124,563,250 | 3,703 |
| Average equity | $12,721,500 | 4,063 |
| Average total loans | $103,438,750 | 3,323 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6722% | 1,114 |
| Cost of funding earning assets | 0.2203% | 4,802 |
| Net interest margin | 4.4518% | 634 |
| Noninterest income to average assets | 0.7420% | 1,802 |
| Noninterest expense to average assets | 3.8277% | 651 |
| Loan and lease loss provision to assets | 0.1102% | 1,853 |
| Net operating income to assets | 0.8713% | 3,064 |
| Return on assets (ROA) | 0.8713% | 3,114 |
| Pretax return on assets | 0.8713% | 4,030 |
| Return on Equity (ROE) | 9.3646% | 2,325 |
| Retained earnings to average equity (ytd only) | 3.6795% | 3,510 |
| Net charge-offs to loans | 0.1014% | 1,610 |
| Credit loss provision to net charge-offs | 144.2308% | 1,556 |
| Earnings coverage of net charge-offs (x) | 12.8462% | 2,165 |
| Efficiency ratio | 78.5823% | 1,385 |
| Assets per employee ($millions) | 3.1107% | 5,183 |
| Cash dividends to net income (ytd only)* | 60.7083% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6909% | 5,233 |
| Loan loss allowance to noncurrent loans | 473.3766% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.6466% | 2,616 |
| Noncurrent loans to loans | 0.1460% | 4,533 |
| Net loans and leases to total assets | 76.5559% | 1,455 |
| Net loans and leases to deposits | 96.2583% | 1,048 |
| Net loans and leases to core deposits | 98.0719% | 1,799 |
| Total domestic deposits to total assets | 79.5317% | 4,506 |
| Equity capital to assets | 9.3899% | 4,526 |
| Core capital (leverage) ratio | 8.2131% | 5,421 |
| Tier 1 risk-based capital ratio | 12.6605% | 4,204 |
| Total risk-based capital ratio | 13.5090% | 4,340 |
| Memoranda: | ||
| Average total assets | $136,112,670 | 3,722 |
| Average earning assets | $124,353,670 | 3,731 |
| Average equity | $12,664,670 | 4,084 |
| Average total loans | $102,605,670 | 3,347 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5436% | 1,272 |
| Cost of funding earning assets | 0.2231% | 4,773 |
| Net interest margin | 4.3205% | 748 |
| Noninterest income to average assets | 0.7750% | 1,639 |
| Noninterest expense to average assets | 3.8546% | 639 |
| Loan and lease loss provision to assets | 0.1120% | 1,715 |
| Net operating income to assets | 0.7456% | 3,496 |
| Return on assets (ROA) | 0.7456% | 3,551 |
| Pretax return on assets | 0.7456% | 4,300 |
| Return on Equity (ROE) | 8.0503% | 2,899 |
| Retained earnings to average equity (ytd only) | 5.4093% | 2,662 |
| Net charge-offs to loans | 0.1463% | 1,073 |
| Credit loss provision to net charge-offs | 102.7027% | 1,538 |
| Earnings coverage of net charge-offs (x) | 7.8649% | 2,103 |
| Efficiency ratio | 80.8005% | 1,280 |
| Assets per employee ($millions) | 3.0959% | 5,273 |
| Cash dividends to net income (ytd only)* | 32.8063% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6908% | 5,329 |
| Loan loss allowance to noncurrent loans | 143.4077% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.9030% | 2,054 |
| Noncurrent loans to loans | 0.4817% | 3,359 |
| Net loans and leases to total assets | 74.6120% | 1,646 |
| Net loans and leases to deposits | 93.6659% | 1,146 |
| Net loans and leases to core deposits | 95.7628% | 1,833 |
| Total domestic deposits to total assets | 79.6576% | 4,690 |
| Equity capital to assets | 9.3189% | 4,488 |
| Core capital (leverage) ratio | 8.1954% | 5,453 |
| Tier 1 risk-based capital ratio | 12.8074% | 4,197 |
| Total risk-based capital ratio | 13.6457% | 4,359 |
| Memoranda: | ||
| Average total assets | $135,734,000 | 3,761 |
| Average earning assets | $123,690,000 | 3,782 |
| Average equity | $12,571,000 | 4,126 |
| Average total loans | $101,153,000 | 3,397 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 1,850 |
| Cost of funding earning assets | 0.2257% | 4,777 |
| Net interest margin | 4.1648% | 1,199 |
| Noninterest income to average assets | 0.6963% | 2,192 |
| Noninterest expense to average assets | 3.7340% | 841 |
| Loan and lease loss provision to assets | 0.0905% | 2,550 |
| Net operating income to assets | 0.6714% | 3,908 |
| Return on assets (ROA) | 0.6714% | 4,019 |
| Pretax return on assets | 0.6714% | 4,583 |
| Return on Equity (ROE) | 7.0655% | 3,433 |
| Retained earnings to average equity (ytd only) | 3.0247% | 3,745 |
| Net charge-offs to loans | 0.2451% | 1,130 |
| Credit loss provision to net charge-offs | 50.4202% | 3,370 |
| Earnings coverage of net charge-offs (x) | 4.2437% | 3,529 |
| Efficiency ratio | 81.9631% | 1,202 |
| Assets per employee ($millions) | 3.0739% | 5,289 |
| Cash dividends to net income (ytd only)* | 57.1910% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7063% | 5,346 |
| Loan loss allowance to noncurrent loans | 176.9424% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 1.1216% | 1,659 |
| Noncurrent loans to loans | 0.3991% | 3,718 |
| Net loans and leases to total assets | 73.3885% | 1,945 |
| Net loans and leases to deposits | 93.1589% | 1,281 |
| Net loans and leases to core deposits | 95.2883% | 1,982 |
| Total domestic deposits to total assets | 78.7778% | 4,844 |
| Equity capital to assets | 9.2037% | 4,579 |
| Core capital (leverage) ratio | 8.0670% | 5,581 |
| Tier 1 risk-based capital ratio | 12.9103% | 4,124 |
| Total risk-based capital ratio | 13.7635% | 4,257 |
| Memoranda: | ||
| Average total assets | $132,565,600 | 3,791 |
| Average earning assets | $120,943,600 | 3,812 |
| Average equity | $12,596,400 | 4,154 |
| Average total loans | $97,106,800 | 3,440 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3386% | 2,044 |
| Cost of funding earning assets | 0.2225% | 4,864 |
| Net interest margin | 4.1162% | 1,354 |
| Noninterest income to average assets | 0.7147% | 2,109 |
| Noninterest expense to average assets | 3.6564% | 912 |
| Loan and lease loss provision to assets | 0.0910% | 2,410 |
| Net operating income to assets | 0.7268% | 3,712 |
| Return on assets (ROA) | 0.7268% | 3,845 |
| Pretax return on assets | 0.7268% | 4,537 |
| Return on Equity (ROE) | 7.5881% | 3,245 |
| Retained earnings to average equity (ytd only) | 3.2083% | 3,990 |
| Net charge-offs to loans | 0.0816% | 2,154 |
| Credit loss provision to net charge-offs | 152.5424% | 1,747 |
| Earnings coverage of net charge-offs (x) | 13.7127% | 2,288 |
| Efficiency ratio | 80.6146% | 1,357 |
| Assets per employee ($millions) | 2.9717% | 5,410 |
| Cash dividends to net income (ytd only)* | 57.7193% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8541% | 5,022 |
| Loan loss allowance to noncurrent loans | 101.3033% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.3414% | 1,407 |
| Noncurrent loans to loans | 0.8431% | 2,575 |
| Net loans and leases to total assets | 75.9061% | 1,534 |
| Net loans and leases to deposits | 95.9114% | 1,059 |
| Net loans and leases to core deposits | 97.2448% | 1,886 |
| Total domestic deposits to total assets | 79.1419% | 4,688 |
| Equity capital to assets | 9.7495% | 4,421 |
| Core capital (leverage) ratio | 8.2682% | 5,521 |
| Tier 1 risk-based capital ratio | 12.9284% | 4,206 |
| Total risk-based capital ratio | 13.9716% | 4,242 |
| Memoranda: | ||
| Average total assets | $131,894,500 | 3,823 |
| Average earning assets | $120,464,750 | 3,842 |
| Average equity | $12,633,500 | 4,189 |
| Average total loans | $96,392,500 | 3,464 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2984% | 2,162 |
| Cost of funding earning assets | 0.2266% | 4,876 |
| Net interest margin | 4.0718% | 1,442 |
| Noninterest income to average assets | 0.6985% | 2,148 |
| Noninterest expense to average assets | 3.6258% | 969 |
| Loan and lease loss provision to assets | 0.0907% | 2,335 |
| Net operating income to assets | 0.7046% | 3,764 |
| Return on assets (ROA) | 0.7046% | 3,915 |
| Pretax return on assets | 0.7046% | 4,606 |
| Return on Equity (ROE) | 7.3996% | 3,317 |
| Retained earnings to average equity (ytd only) | 3.1917% | 3,868 |
| Net charge-offs to loans | 0.0357% | 2,737 |
| Credit loss provision to net charge-offs | 352.9412% | 848 |
| Earnings coverage of net charge-offs (x) | 30.9412% | 1,371 |
| Efficiency ratio | 80.8824% | 1,395 |
| Assets per employee ($millions) | 2.9529% | 5,477 |
| Cash dividends to net income (ytd only)* | 56.8670% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 5,021 |
| Loan loss allowance to noncurrent loans | 51.8231% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 1.3546% | 1,472 |
| Noncurrent loans to loans | 1.6936% | 1,252 |
| Net loans and leases to total assets | 73.6866% | 1,903 |
| Net loans and leases to deposits | 92.3273% | 1,468 |
| Net loans and leases to core deposits | 94.2886% | 2,136 |
| Total domestic deposits to total assets | 79.8102% | 4,590 |
| Equity capital to assets | 9.5553% | 4,710 |
| Core capital (leverage) ratio | 8.0952% | 5,673 |
| Tier 1 risk-based capital ratio | 12.9501% | 4,231 |
| Total risk-based capital ratio | 14.0210% | 4,245 |
| Memoranda: | ||
| Average total assets | $132,274,330 | 3,841 |
| Average earning assets | $120,930,000 | 3,861 |
| Average equity | $12,595,330 | 4,214 |
| Average total loans | $95,154,670 | 3,500 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2233% | 2,394 |
| Cost of funding earning assets | 0.2317% | 4,884 |
| Net interest margin | 3.9916% | 1,634 |
| Noninterest income to average assets | 0.7396% | 1,860 |
| Noninterest expense to average assets | 3.6584% | 949 |
| Loan and lease loss provision to assets | 0.0909% | 2,168 |
| Net operating income to assets | 0.6456% | 3,994 |
| Return on assets (ROA) | 0.6456% | 4,115 |
| Pretax return on assets | 0.6456% | 4,687 |
| Return on Equity (ROE) | 6.7918% | 3,563 |
| Retained earnings to average equity (ytd only) | 6.7918% | 1,980 |
| Net charge-offs to loans | -0.0257% | 4,992 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1379% | 1,359 |
| Assets per employee ($millions) | 3.0757% | 5,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 5,028 |
| Loan loss allowance to noncurrent loans | 62.3188% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 1.1803% | 1,865 |
| Noncurrent loans to loans | 1.4593% | 1,618 |
| Net loans and leases to total assets | 70.8537% | 2,210 |
| Net loans and leases to deposits | 87.9649% | 1,828 |
| Net loans and leases to core deposits | 89.8413% | 2,389 |
| Total domestic deposits to total assets | 80.5477% | 4,620 |
| Equity capital to assets | 9.5927% | 4,573 |
| Core capital (leverage) ratio | 8.2492% | 5,610 |
| Tier 1 risk-based capital ratio | 13.6395% | 3,907 |
| Total risk-based capital ratio | 14.7431% | 3,908 |
| Memoranda: | ||
| Average total assets | $131,972,000 | 3,882 |
| Average earning assets | $120,852,500 | 3,888 |
| Average equity | $12,544,500 | 4,235 |
| Average total loans | $93,341,500 | 3,546 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1781% | 2,630 |
| Cost of funding earning assets | 0.2116% | 5,178 |
| Net interest margin | 3.9665% | 1,821 |
| Noninterest income to average assets | 0.7350% | 2,044 |
| Noninterest expense to average assets | 3.5933% | 1,138 |
| Loan and lease loss provision to assets | 0.1170% | 2,036 |
| Net operating income to assets | 0.6523% | 4,028 |
| Return on assets (ROA) | 0.6531% | 4,120 |
| Pretax return on assets | 0.6531% | 4,668 |
| Return on Equity (ROE) | 6.7374% | 3,662 |
| Retained earnings to average equity (ytd only) | 2.0446% | 4,568 |
| Net charge-offs to loans | 0.1327% | 2,034 |
| Credit loss provision to net charge-offs | 127.1186% | 2,045 |
| Earnings coverage of net charge-offs (x) | 8.3559% | 2,965 |
| Efficiency ratio | 81.2019% | 1,508 |
| Assets per employee ($millions) | 3.1354% | 5,372 |
| Cash dividends to net income (ytd only)* | 69.6535% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8945% | 5,100 |
| Loan loss allowance to noncurrent loans | 101.4778% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.8011% | 2,670 |
| Noncurrent loans to loans | 0.8815% | 2,589 |
| Net loans and leases to total assets | 69.3235% | 2,483 |
| Net loans and leases to deposits | 85.5641% | 2,180 |
| Net loans and leases to core deposits | 87.3881% | 2,664 |
| Total domestic deposits to total assets | 81.0194% | 4,477 |
| Equity capital to assets | 9.4178% | 4,649 |
| Core capital (leverage) ratio | 8.0598% | 5,799 |
| Tier 1 risk-based capital ratio | 13.7463% | 3,858 |
| Total risk-based capital ratio | 14.8267% | 3,895 |
| Memoranda: | ||
| Average total assets | $128,155,200 | 3,927 |
| Average earning assets | $117,206,000 | 3,944 |
| Average equity | $12,423,200 | 4,228 |
| Average total loans | $88,929,400 | 3,613 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 2,648 |
| Cost of funding earning assets | 0.2107% | 5,285 |
| Net interest margin | 3.9696% | 1,806 |
| Noninterest income to average assets | 0.7658% | 1,953 |
| Noninterest expense to average assets | 3.5922% | 1,130 |
| Loan and lease loss provision to assets | 0.0943% | 2,284 |
| Net operating income to assets | 0.7113% | 3,855 |
| Return on assets (ROA) | 0.7124% | 3,950 |
| Pretax return on assets | 0.7124% | 4,644 |
| Return on Equity (ROE) | 7.2948% | 3,472 |
| Retained earnings to average equity (ytd only) | 2.9716% | 4,338 |
| Net charge-offs to loans | 0.1740% | 1,438 |
| Credit loss provision to net charge-offs | 78.2609% | 2,636 |
| Earnings coverage of net charge-offs (x) | 6.6869% | 3,015 |
| Efficiency ratio | 80.5145% | 1,579 |
| Assets per employee ($millions) | 3.0240% | 5,522 |
| Cash dividends to net income (ytd only)* | 59.2650% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8467% | 5,380 |
| Loan loss allowance to noncurrent loans | 124.5130% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.6771% | 3,224 |
| Noncurrent loans to loans | 0.6800% | 3,283 |
| Net loans and leases to total assets | 70.7203% | 2,279 |
| Net loans and leases to deposits | 89.4042% | 1,724 |
| Net loans and leases to core deposits | 91.6707% | 2,297 |
| Total domestic deposits to total assets | 79.1018% | 4,953 |
| Equity capital to assets | 9.8751% | 4,309 |
| Core capital (leverage) ratio | 8.3895% | 5,637 |
| Tier 1 risk-based capital ratio | 14.3091% | 3,673 |
| Total risk-based capital ratio | 15.3542% | 3,729 |
| Memoranda: | ||
| Average total assets | $127,272,250 | 3,989 |
| Average earning assets | $116,449,750 | 3,994 |
| Average equity | $12,428,500 | 4,281 |
| Average total loans | $88,133,250 | 3,660 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1510% | 2,716 |
| Cost of funding earning assets | 0.2094% | 5,360 |
| Net interest margin | 3.9415% | 1,851 |
| Noninterest income to average assets | 0.7459% | 2,015 |
| Noninterest expense to average assets | 3.5286% | 1,250 |
| Loan and lease loss provision to assets | 0.0942% | 2,241 |
| Net operating income to assets | 0.7286% | 3,748 |
| Return on assets (ROA) | 0.7286% | 3,868 |
| Pretax return on assets | 0.7286% | 4,568 |
| Return on Equity (ROE) | 7.4895% | 3,327 |
| Retained earnings to average equity (ytd only) | 3.2444% | 3,983 |
| Net charge-offs to loans | 0.2153% | 1,185 |
| Credit loss provision to net charge-offs | 63.8298% | 2,552 |
| Earnings coverage of net charge-offs (x) | 5.5745% | 2,907 |
| Efficiency ratio | 79.8990% | 1,778 |
| Assets per employee ($millions) | 2.9711% | 5,628 |
| Cash dividends to net income (ytd only)* | 56.6810% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 5,426 |
| Loan loss allowance to noncurrent loans | 96.3151% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 3,004 |
| Noncurrent loans to loans | 0.8954% | 2,889 |
| Net loans and leases to total assets | 68.2000% | 2,613 |
| Net loans and leases to deposits | 84.5686% | 2,245 |
| Net loans and leases to core deposits | 87.1999% | 2,639 |
| Total domestic deposits to total assets | 80.6447% | 4,702 |
| Equity capital to assets | 9.6910% | 4,414 |
| Core capital (leverage) ratio | 8.2660% | 5,738 |
| Tier 1 risk-based capital ratio | 14.5065% | 3,635 |
| Total risk-based capital ratio | 15.5620% | 3,674 |
| Memoranda: | ||
| Average total assets | $127,361,000 | 4,012 |
| Average earning assets | $116,503,330 | 4,027 |
| Average equity | $12,390,670 | 4,304 |
| Average total loans | $87,315,670 | 3,704 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1318% | 2,704 |
| Cost of funding earning assets | 0.2104% | 5,414 |
| Net interest margin | 3.9214% | 1,817 |
| Noninterest income to average assets | 0.7927% | 1,742 |
| Noninterest expense to average assets | 3.5356% | 1,234 |
| Loan and lease loss provision to assets | 0.0944% | 2,107 |
| Net operating income to assets | 0.7392% | 3,601 |
| Return on assets (ROA) | 0.7392% | 3,727 |
| Pretax return on assets | 0.7392% | 4,470 |
| Return on Equity (ROE) | 7.5834% | 3,175 |
| Retained earnings to average equity (ytd only) | 6.7444% | 2,128 |
| Net charge-offs to loans | 0.2390% | 997 |
| Credit loss provision to net charge-offs | 57.6923% | 2,026 |
| Earnings coverage of net charge-offs (x) | 5.0962% | 2,416 |
| Efficiency ratio | 79.7696% | 1,924 |
| Assets per employee ($millions) | 2.9051% | 5,778 |
| Cash dividends to net income (ytd only)* | 11.0638% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8795% | 5,502 |
| Loan loss allowance to noncurrent loans | 100.5222% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.9787% | 2,660 |
| Noncurrent loans to loans | 0.8750% | 3,059 |
| Net loans and leases to total assets | 67.8863% | 2,458 |
| Net loans and leases to deposits | 83.8187% | 2,105 |
| Net loans and leases to core deposits | 86.0522% | 2,546 |
| Total domestic deposits to total assets | 80.9918% | 4,825 |
| Equity capital to assets | 9.8065% | 4,381 |
| Core capital (leverage) ratio | 8.3139% | 5,712 |
| Tier 1 risk-based capital ratio | 14.3790% | 3,787 |
| Total risk-based capital ratio | 15.4415% | 3,816 |
| Memoranda: | ||
| Average total assets | $127,162,500 | 4,041 |
| Average earning assets | $115,978,000 | 4,062 |
| Average equity | $12,395,500 | 4,338 |
| Average total loans | $87,029,000 | 3,725 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3377% | 2,466 |
| Cost of funding earning assets | 0.2055% | 5,698 |
| Net interest margin | 4.1322% | 1,483 |
| Noninterest income to average assets | 0.9371% | 1,391 |
| Noninterest expense to average assets | 3.7195% | 1,111 |
| Loan and lease loss provision to assets | 0.1354% | 1,935 |
| Net operating income to assets | 0.8271% | 3,242 |
| Return on assets (ROA) | 0.8271% | 3,333 |
| Pretax return on assets | 0.8271% | 4,154 |
| Return on Equity (ROE) | 8.3870% | 2,920 |
| Retained earnings to average equity (ytd only) | 2.5793% | 4,405 |
| Net charge-offs to loans | 0.2386% | 1,774 |
| Credit loss provision to net charge-offs | 80.8824% | 2,847 |
| Earnings coverage of net charge-offs (x) | 5.7500% | 3,363 |
| Efficiency ratio | 78.3035% | 2,162 |
| Assets per employee ($millions) | 2.9419% | 5,771 |
| Cash dividends to net income (ytd only)* | 69.2460% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9155% | 5,420 |
| Loan loss allowance to noncurrent loans | 104.3478% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 0.9700% | 2,820 |
| Noncurrent loans to loans | 0.8773% | 3,127 |
| Net loans and leases to total assets | 67.7631% | 2,596 |
| Net loans and leases to deposits | 82.3030% | 2,435 |
| Net loans and leases to core deposits | 84.8236% | 2,800 |
| Total domestic deposits to total assets | 82.3337% | 4,300 |
| Equity capital to assets | 9.6885% | 4,484 |
| Core capital (leverage) ratio | 8.0391% | 5,978 |
| Tier 1 risk-based capital ratio | 13.8725% | 4,190 |
| Total risk-based capital ratio | 14.9791% | 4,218 |
| Memoranda: | ||
| Average total assets | $121,871,000 | 4,143 |
| Average earning assets | $110,450,200 | 4,171 |
| Average equity | $12,018,600 | 4,357 |
| Average total loans | $85,513,800 | 3,726 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4002% | 2,220 |
| Cost of funding earning assets | 0.2024% | 5,806 |
| Net interest margin | 4.1978% | 1,296 |
| Noninterest income to average assets | 0.9344% | 1,410 |
| Noninterest expense to average assets | 3.7454% | 1,049 |
| Loan and lease loss provision to assets | 0.1568% | 1,588 |
| Net operating income to assets | 0.8350% | 3,257 |
| Return on assets (ROA) | 0.8350% | 3,349 |
| Pretax return on assets | 0.8350% | 4,242 |
| Return on Equity (ROE) | 8.4284% | 2,976 |
| Retained earnings to average equity (ytd only) | 1.9622% | 5,078 |
| Net charge-offs to loans | 0.2783% | 1,411 |
| Credit loss provision to net charge-offs | 79.7753% | 2,596 |
| Earnings coverage of net charge-offs (x) | 5.0449% | 3,331 |
| Efficiency ratio | 77.9203% | 2,190 |
| Assets per employee ($millions) | 2.8532% | 5,909 |
| Cash dividends to net income (ytd only)* | 76.7195% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 5,479 |
| Loan loss allowance to noncurrent loans | 124.0250% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.8632% | 3,261 |
| Noncurrent loans to loans | 0.7551% | 3,715 |
| Net loans and leases to total assets | 68.5413% | 2,458 |
| Net loans and leases to deposits | 83.7094% | 2,192 |
| Net loans and leases to core deposits | 86.3651% | 2,629 |
| Total domestic deposits to total assets | 81.8801% | 4,520 |
| Equity capital to assets | 9.8592% | 4,342 |
| Core capital (leverage) ratio | 8.2753% | 5,860 |
| Tier 1 risk-based capital ratio | 13.9718% | 4,238 |
| Total risk-based capital ratio | 15.1077% | 4,252 |
| Memoranda: | ||
| Average total assets | $120,713,500 | 4,202 |
| Average earning assets | $109,356,750 | 4,234 |
| Average equity | $11,959,250 | 4,394 |
| Average total loans | $85,264,000 | 3,775 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4509% | 1,990 |
| Cost of funding earning assets | 0.1991% | 5,921 |
| Net interest margin | 4.2518% | 1,133 |
| Noninterest income to average assets | 0.9412% | 1,356 |
| Noninterest expense to average assets | 3.7466% | 1,056 |
| Loan and lease loss provision to assets | 0.1999% | 1,207 |
| Net operating income to assets | 0.8363% | 3,145 |
| Return on assets (ROA) | 0.8363% | 3,238 |
| Pretax return on assets | 0.8363% | 4,137 |
| Return on Equity (ROE) | 8.4273% | 2,883 |
| Retained earnings to average equity (ytd only) | 1.6620% | 5,069 |
| Net charge-offs to loans | 0.3326% | 1,225 |
| Credit loss provision to net charge-offs | 84.5070% | 2,268 |
| Earnings coverage of net charge-offs (x) | 4.3803% | 3,121 |
| Efficiency ratio | 77.1856% | 2,428 |
| Assets per employee ($millions) | 2.8415% | 5,972 |
| Cash dividends to net income (ytd only)* | 80.2789% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 5,587 |
| Loan loss allowance to noncurrent loans | 159.2520% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.8153% | 3,522 |
| Noncurrent loans to loans | 0.5928% | 4,247 |
| Net loans and leases to total assets | 71.1291% | 1,901 |
| Net loans and leases to deposits | 86.0097% | 1,815 |
| Net loans and leases to core deposits | 88.7960% | 2,232 |
| Total domestic deposits to total assets | 82.6989% | 4,414 |
| Equity capital to assets | 10.0959% | 3,975 |
| Core capital (leverage) ratio | 8.1854% | 5,944 |
| Tier 1 risk-based capital ratio | 13.7648% | 4,407 |
| Total risk-based capital ratio | 14.9144% | 4,427 |
| Memoranda: | ||
| Average total assets | $120,055,330 | 4,238 |
| Average earning assets | $108,472,670 | 4,278 |
| Average equity | $11,913,670 | 4,412 |
| Average total loans | $85,389,670 | 3,783 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 1,807 |
| Cost of funding earning assets | 0.1951% | 6,041 |
| Net interest margin | 4.3066% | 981 |
| Noninterest income to average assets | 0.9169% | 1,341 |
| Noninterest expense to average assets | 3.7372% | 1,077 |
| Loan and lease loss provision to assets | 0.1993% | 1,171 |
| Net operating income to assets | 0.8670% | 2,813 |
| Return on assets (ROA) | 0.8670% | 2,882 |
| Pretax return on assets | 0.8670% | 3,837 |
| Return on Equity (ROE) | 8.8131% | 2,546 |
| Retained earnings to average equity (ytd only) | 8.8131% | 1,309 |
| Net charge-offs to loans | 0.5772% | 638 |
| Credit loss provision to net charge-offs | 48.7805% | 2,217 |
| Earnings coverage of net charge-offs (x) | 2.6098% | 2,844 |
| Efficiency ratio | 76.6943% | 2,692 |
| Assets per employee ($millions) | 2.9106% | 5,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9064% | 5,852 |
| Loan loss allowance to noncurrent loans | 112.6100% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.9268% | 3,411 |
| Noncurrent loans to loans | 0.8049% | 3,864 |
| Net loans and leases to total assets | 68.6855% | 2,116 |
| Net loans and leases to deposits | 83.3939% | 1,895 |
| Net loans and leases to core deposits | 86.2605% | 2,297 |
| Total domestic deposits to total assets | 82.3628% | 4,830 |
| Equity capital to assets | 9.8604% | 4,017 |
| Core capital (leverage) ratio | 8.4394% | 5,711 |
| Tier 1 risk-based capital ratio | 13.7264% | 4,525 |
| Total risk-based capital ratio | 14.7987% | 4,590 |
| Memoranda: | ||
| Average total assets | $120,410,500 | 4,267 |
| Average earning assets | $108,670,000 | 4,303 |
| Average equity | $11,846,000 | 4,434 |
| Average total loans | $85,235,500 | 3,820 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6027% | 1,869 |
| Cost of funding earning assets | 0.4079% | 4,560 |
| Net interest margin | 4.1948% | 1,365 |
| Noninterest income to average assets | 1.0048% | 1,386 |
| Noninterest expense to average assets | 3.6641% | 1,346 |
| Loan and lease loss provision to assets | 0.2680% | 1,317 |
| Net operating income to assets | 0.8870% | 2,845 |
| Return on assets (ROA) | 0.9160% | 2,788 |
| Pretax return on assets | 0.9160% | 3,694 |
| Return on Equity (ROE) | 9.3295% | 2,401 |
| Retained earnings to average equity (ytd only) | 2.8732% | 4,207 |
| Net charge-offs to loans | 0.1945% | 2,911 |
| Credit loss provision to net charge-offs | 201.8750% | 1,135 |
| Earnings coverage of net charge-offs (x) | 8.7000% | 2,625 |
| Efficiency ratio | 74.9139% | 2,965 |
| Assets per employee ($millions) | 2.8232% | 6,075 |
| Cash dividends to net income (ytd only)* | 69.2029% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 5,705 |
| Loan loss allowance to noncurrent loans | 78.0282% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.1453% | 3,105 |
| Noncurrent loans to loans | 1.2422% | 3,061 |
| Net loans and leases to total assets | 71.6059% | 1,754 |
| Net loans and leases to deposits | 87.2415% | 1,549 |
| Net loans and leases to core deposits | 89.3860% | 2,094 |
| Total domestic deposits to total assets | 82.0779% | 4,844 |
| Equity capital to assets | 9.8150% | 4,013 |
| Core capital (leverage) ratio | 8.0052% | 6,130 |
| Tier 1 risk-based capital ratio | 13.2612% | 4,814 |
| Total risk-based capital ratio | 14.4146% | 4,819 |
| Memoranda: | ||
| Average total assets | $120,520,000 | 4,267 |
| Average earning assets | $109,586,800 | 4,274 |
| Average equity | $11,833,400 | 4,479 |
| Average total loans | $82,248,800 | 3,875 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5952% | 1,922 |
| Cost of funding earning assets | 0.4750% | 4,018 |
| Net interest margin | 4.1202% | 1,572 |
| Noninterest income to average assets | 0.9839% | 1,499 |
| Noninterest expense to average assets | 3.6647% | 1,298 |
| Loan and lease loss provision to assets | 0.1686% | 2,157 |
| Net operating income to assets | 0.8969% | 2,850 |
| Return on assets (ROA) | 0.9333% | 2,786 |
| Pretax return on assets | 0.9333% | 3,750 |
| Return on Equity (ROE) | 9.5042% | 2,394 |
| Retained earnings to average equity (ytd only) | 4.5669% | 3,425 |
| Net charge-offs to loans | 0.1671% | 2,888 |
| Credit loss provision to net charge-offs | 150.0000% | 1,565 |
| Earnings coverage of net charge-offs (x) | 9.4801% | 2,480 |
| Efficiency ratio | 76.3336% | 2,678 |
| Assets per employee ($millions) | 2.8670% | 6,056 |
| Cash dividends to net income (ytd only)* | 51.9476% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8349% | 6,208 |
| Loan loss allowance to noncurrent loans | 75.9240% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 0.9683% | 3,728 |
| Noncurrent loans to loans | 1.0996% | 3,592 |
| Net loans and leases to total assets | 70.9226% | 1,798 |
| Net loans and leases to deposits | 93.2997% | 880 |
| Net loans and leases to core deposits | 95.6595% | 1,426 |
| Total domestic deposits to total assets | 76.0159% | 6,165 |
| Equity capital to assets | 9.8079% | 4,169 |
| Core capital (leverage) ratio | 8.2051% | 6,055 |
| Tier 1 risk-based capital ratio | 13.2177% | 4,972 |
| Total risk-based capital ratio | 14.2073% | 5,099 |
| Memoranda: | ||
| Average total assets | $121,006,500 | 4,305 |
| Average earning assets | $110,025,250 | 4,302 |
| Average equity | $11,882,250 | 4,518 |
| Average total loans | $81,376,750 | 3,929 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5531% | 2,020 |
| Cost of funding earning assets | 0.5977% | 2,966 |
| Net interest margin | 3.9554% | 2,025 |
| Noninterest income to average assets | 1.0297% | 1,440 |
| Noninterest expense to average assets | 3.6517% | 1,329 |
| Loan and lease loss provision to assets | 0.1683% | 2,233 |
| Net operating income to assets | 0.8135% | 3,223 |
| Return on assets (ROA) | 0.8680% | 3,109 |
| Pretax return on assets | 0.8680% | 4,030 |
| Return on Equity (ROE) | 8.8356% | 2,687 |
| Retained earnings to average equity (ytd only) | 4.0483% | 3,721 |
| Net charge-offs to loans | 0.1379% | 2,999 |
| Credit loss provision to net charge-offs | 185.4545% | 1,284 |
| Earnings coverage of net charge-offs (x) | 10.8182% | 2,120 |
| Efficiency ratio | 77.6353% | 2,520 |
| Assets per employee ($millions) | 2.9812% | 5,884 |
| Cash dividends to net income (ytd only)* | 54.1825% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 6,242 |
| Loan loss allowance to noncurrent loans | 102.5825% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.8243% | 4,172 |
| Noncurrent loans to loans | 0.8350% | 4,245 |
| Net loans and leases to total assets | 69.3986% | 1,997 |
| Net loans and leases to deposits | 89.4426% | 1,198 |
| Net loans and leases to core deposits | 91.6861% | 1,743 |
| Total domestic deposits to total assets | 77.5900% | 6,052 |
| Equity capital to assets | 9.6263% | 4,416 |
| Core capital (leverage) ratio | 7.9227% | 6,235 |
| Tier 1 risk-based capital ratio | 13.2841% | 4,930 |
| Total risk-based capital ratio | 14.2922% | 5,056 |
| Memoranda: | ||
| Average total assets | $121,204,330 | 4,325 |
| Average earning assets | $110,430,000 | 4,328 |
| Average equity | $11,906,330 | 4,553 |
| Average total loans | $79,796,000 | 3,985 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4923% | 2,200 |
| Cost of funding earning assets | 0.7350% | 1,960 |
| Net interest margin | 3.7573% | 2,621 |
| Noninterest income to average assets | 0.9821% | 1,515 |
| Noninterest expense to average assets | 3.5291% | 1,561 |
| Loan and lease loss provision to assets | 0.1670% | 2,193 |
| Net operating income to assets | 0.7170% | 3,611 |
| Return on assets (ROA) | 0.7955% | 3,323 |
| Pretax return on assets | 0.7955% | 4,190 |
| Return on Equity (ROE) | 8.0198% | 2,963 |
| Retained earnings to average equity (ytd only) | 8.0198% | 1,748 |
| Net charge-offs to loans | 0.1129% | 2,752 |
| Credit loss provision to net charge-offs | 231.8182% | 982 |
| Earnings coverage of net charge-offs (x) | 12.2727% | 1,611 |
| Efficiency ratio | 78.7834% | 2,490 |
| Assets per employee ($millions) | 2.7405% | 6,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 6,309 |
| Loan loss allowance to noncurrent loans | 110.6349% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.7939% | 4,383 |
| Noncurrent loans to loans | 0.7941% | 4,531 |
| Net loans and leases to total assets | 63.7643% | 2,756 |
| Net loans and leases to deposits | 77.7850% | 2,368 |
| Net loans and leases to core deposits | 83.9877% | 2,321 |
| Total domestic deposits to total assets | 81.9750% | 5,197 |
| Equity capital to assets | 9.8546% | 4,343 |
| Core capital (leverage) ratio | 7.7589% | 6,319 |
| Tier 1 risk-based capital ratio | 13.5873% | 4,809 |
| Total risk-based capital ratio | 14.5940% | 4,929 |
| Memoranda: | ||
| Average total assets | $122,183,500 | 4,342 |
| Average earning assets | $111,569,000 | 4,343 |
| Average equity | $12,120,000 | 4,552 |
| Average total loans | $77,959,000 | 4,068 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6578% | 2,767 |
| Cost of funding earning assets | 0.9538% | 1,617 |
| Net interest margin | 3.7040% | 3,625 |
| Noninterest income to average assets | 1.0615% | 1,375 |
| Noninterest expense to average assets | 3.5480% | 1,723 |
| Loan and lease loss provision to assets | 0.1901% | 3,263 |
| Net operating income to assets | 0.7138% | 3,677 |
| Return on assets (ROA) | 0.9681% | 2,703 |
| Pretax return on assets | 0.9681% | 3,662 |
| Return on Equity (ROE) | 9.7763% | 2,274 |
| Retained earnings to average equity (ytd only) | 2.8546% | 4,229 |
| Net charge-offs to loans | 0.2729% | 3,295 |
| Credit loss provision to net charge-offs | 112.3153% | 2,599 |
| Earnings coverage of net charge-offs (x) | 5.3399% | 3,068 |
| Efficiency ratio | 78.4791% | 2,362 |
| Assets per employee ($millions) | 2.6899% | 6,433 |
| Cash dividends to net income (ytd only)* | 70.8010% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8722% | 6,339 |
| Loan loss allowance to noncurrent loans | 144.2765% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.7039% | 4,725 |
| Noncurrent loans to loans | 0.6046% | 5,008 |
| Net loans and leases to total assets | 62.7185% | 3,118 |
| Net loans and leases to deposits | 75.8874% | 2,820 |
| Net loans and leases to core deposits | 82.0334% | 2,768 |
| Total domestic deposits to total assets | 82.6468% | 4,870 |
| Equity capital to assets | 9.9856% | 4,188 |
| Core capital (leverage) ratio | 7.6301% | 6,435 |
| Tier 1 risk-based capital ratio | 13.6599% | 4,633 |
| Total risk-based capital ratio | 14.6573% | 4,771 |
| Memoranda: | ||
| Average total assets | $119,927,400 | 4,366 |
| Average earning assets | $109,773,200 | 4,345 |
| Average equity | $11,875,600 | 4,592 |
| Average total loans | $74,395,600 | 4,195 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6921% | 2,834 |
| Cost of funding earning assets | 0.9922% | 1,606 |
| Net interest margin | 3.6999% | 3,793 |
| Noninterest income to average assets | 1.0497% | 1,379 |
| Noninterest expense to average assets | 3.5247% | 1,703 |
| Loan and lease loss provision to assets | 0.2240% | 2,817 |
| Net operating income to assets | 0.6876% | 3,967 |
| Return on assets (ROA) | 0.8959% | 3,232 |
| Pretax return on assets | 0.8959% | 4,120 |
| Return on Equity (ROE) | 9.0670% | 2,769 |
| Retained earnings to average equity (ytd only) | 3.2930% | 4,551 |
| Net charge-offs to loans | 0.2816% | 3,037 |
| Credit loss provision to net charge-offs | 128.8462% | 2,234 |
| Earnings coverage of net charge-offs (x) | 5.2437% | 3,071 |
| Efficiency ratio | 78.2216% | 2,368 |
| Assets per employee ($millions) | 2.8436% | 6,300 |
| Cash dividends to net income (ytd only)* | 63.6818% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 6,332 |
| Loan loss allowance to noncurrent loans | 1,075.0000% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 5,675 |
| Noncurrent loans to loans | 0.0854% | 6,398 |
| Net loans and leases to total assets | 62.1735% | 3,350 |
| Net loans and leases to deposits | 74.6935% | 3,187 |
| Net loans and leases to core deposits | 80.7357% | 3,116 |
| Total domestic deposits to total assets | 83.2382% | 4,549 |
| Equity capital to assets | 10.2184% | 4,180 |
| Core capital (leverage) ratio | 7.8254% | 6,451 |
| Tier 1 risk-based capital ratio | 13.8575% | 4,641 |
| Total risk-based capital ratio | 14.9070% | 4,734 |
| Memoranda: | ||
| Average total assets | $119,648,250 | 4,406 |
| Average earning assets | $109,514,000 | 4,397 |
| Average equity | $11,822,750 | 4,646 |
| Average total loans | $73,848,250 | 4,263 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 3,124 |
| Cost of funding earning assets | 1.0384% | 1,538 |
| Net interest margin | 3.6154% | 4,196 |
| Noninterest income to average assets | 1.0441% | 1,332 |
| Noninterest expense to average assets | 3.5900% | 1,601 |
| Loan and lease loss provision to assets | 0.3157% | 2,089 |
| Net operating income to assets | 0.4477% | 5,047 |
| Return on assets (ROA) | 0.7601% | 3,827 |
| Pretax return on assets | 0.7601% | 4,607 |
| Return on Equity (ROE) | 7.7807% | 3,358 |
| Retained earnings to average equity (ytd only) | 4.7026% | 3,481 |
| Net charge-offs to loans | 0.3946% | 2,441 |
| Credit loss provision to net charge-offs | 130.3448% | 2,110 |
| Earnings coverage of net charge-offs (x) | 3.1517% | 3,479 |
| Efficiency ratio | 81.1972% | 2,003 |
| Assets per employee ($millions) | 2.8321% | 6,360 |
| Cash dividends to net income (ytd only)* | 39.5604% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9221% | 6,406 |
| Loan loss allowance to noncurrent loans | 141.0678% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.8852% | 4,601 |
| Noncurrent loans to loans | 0.6537% | 5,201 |
| Net loans and leases to total assets | 60.6118% | 3,705 |
| Net loans and leases to deposits | 74.8466% | 3,150 |
| Net loans and leases to core deposits | 80.4589% | 3,153 |
| Total domestic deposits to total assets | 80.9813% | 5,476 |
| Equity capital to assets | 9.8588% | 4,533 |
| Core capital (leverage) ratio | 7.7668% | 6,469 |
| Tier 1 risk-based capital ratio | 13.6974% | 4,665 |
| Total risk-based capital ratio | 14.7371% | 4,791 |
| Memoranda: | ||
| Average total assets | $119,720,330 | 4,427 |
| Average earning assets | $109,586,670 | 4,418 |
| Average equity | $11,695,670 | 4,677 |
| Average total loans | $73,483,330 | 4,298 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7570% | 2,822 |
| Cost of funding earning assets | 1.1291% | 1,261 |
| Net interest margin | 3.6279% | 4,138 |
| Noninterest income to average assets | 1.1054% | 1,156 |
| Noninterest expense to average assets | 3.5689% | 1,628 |
| Loan and lease loss provision to assets | 0.1921% | 3,029 |
| Net operating income to assets | 0.6471% | 4,132 |
| Return on assets (ROA) | 0.5123% | 4,984 |
| Pretax return on assets | 0.5123% | 5,390 |
| Return on Equity (ROE) | 5.2684% | 4,657 |
| Retained earnings to average equity (ytd only) | 3.3621% | 4,555 |
| Net charge-offs to loans | -0.0658% | 6,648 |
| Credit loss provision to net charge-offs | -475.0000% | 5,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7401% | 2,230 |
| Assets per employee ($millions) | 2.7932% | 6,508 |
| Cash dividends to net income (ytd only)* | 36.1842% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 6,317 |
| Loan loss allowance to noncurrent loans | 166.3551% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 1.0940% | 4,304 |
| Noncurrent loans to loans | 0.5900% | 5,480 |
| Net loans and leases to total assets | 59.8033% | 3,714 |
| Net loans and leases to deposits | 71.9496% | 3,441 |
| Net loans and leases to core deposits | 77.4392% | 3,402 |
| Total domestic deposits to total assets | 83.1184% | 4,878 |
| Equity capital to assets | 9.6889% | 4,538 |
| Core capital (leverage) ratio | 7.6444% | 6,536 |
| Tier 1 risk-based capital ratio | 13.7369% | 4,655 |
| Total risk-based capital ratio | 14.8412% | 4,745 |
| Memoranda: | ||
| Average total assets | $118,690,500 | 4,482 |
| Average earning assets | $108,051,500 | 4,482 |
| Average equity | $11,540,500 | 4,718 |
| Average total loans | $72,975,000 | 4,350 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1654% | 2,200 |
| Cost of funding earning assets | 1.2021% | 2,012 |
| Net interest margin | 3.9633% | 3,051 |
| Noninterest income to average assets | 1.1489% | 992 |
| Noninterest expense to average assets | 3.8979% | 1,185 |
| Loan and lease loss provision to assets | 0.2179% | 4,014 |
| Net operating income to assets | 0.6364% | 3,802 |
| Return on assets (ROA) | 0.6364% | 4,001 |
| Pretax return on assets | 0.6364% | 4,573 |
| Return on Equity (ROE) | 6.5826% | 3,600 |
| Retained earnings to average equity (ytd only) | 2.1111% | 4,709 |
| Net charge-offs to loans | 0.4980% | 3,001 |
| Credit loss provision to net charge-offs | 70.6704% | 4,819 |
| Earnings coverage of net charge-offs (x) | 2.7709% | 3,839 |
| Efficiency ratio | 80.8445% | 2,182 |
| Assets per employee ($millions) | 2.6653% | 6,653 |
| Cash dividends to net income (ytd only)* | 67.9296% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8759% | 6,591 |
| Loan loss allowance to noncurrent loans | 196.0366% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 1.0301% | 4,548 |
| Noncurrent loans to loans | 0.4468% | 5,815 |
| Net loans and leases to total assets | 62.0487% | 3,592 |
| Net loans and leases to deposits | 75.2526% | 3,305 |
| Net loans and leases to core deposits | 82.2709% | 3,141 |
| Total domestic deposits to total assets | 82.4539% | 4,981 |
| Equity capital to assets | 9.7583% | 4,500 |
| Core capital (leverage) ratio | 7.6272% | 6,584 |
| Tier 1 risk-based capital ratio | 13.2936% | 4,839 |
| Total risk-based capital ratio | 14.2712% | 5,025 |
| Memoranda: | ||
| Average total assets | $116,114,800 | 4,498 |
| Average earning assets | $105,568,200 | 4,511 |
| Average equity | $11,226,600 | 4,732 |
| Average total loans | $71,891,000 | 4,415 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2517% | 2,022 |
| Cost of funding earning assets | 1.2041% | 2,296 |
| Net interest margin | 4.0476% | 2,699 |
| Noninterest income to average assets | 1.1362% | 1,023 |
| Noninterest expense to average assets | 3.9933% | 1,008 |
| Loan and lease loss provision to assets | 0.1243% | 4,877 |
| Net operating income to assets | 0.7022% | 3,610 |
| Return on assets (ROA) | 0.7022% | 3,775 |
| Pretax return on assets | 0.7022% | 4,473 |
| Return on Equity (ROE) | 7.2797% | 3,388 |
| Retained earnings to average equity (ytd only) | 3.1029% | 4,477 |
| Net charge-offs to loans | 0.3151% | 3,525 |
| Credit loss provision to net charge-offs | 63.9053% | 4,674 |
| Earnings coverage of net charge-offs (x) | 4.2485% | 3,128 |
| Efficiency ratio | 81.6814% | 2,019 |
| Assets per employee ($millions) | 2.6248% | 6,748 |
| Cash dividends to net income (ytd only)* | 57.3779% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 6,538 |
| Loan loss allowance to noncurrent loans | 75.4945% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.5417% | 3,779 |
| Noncurrent loans to loans | 1.2169% | 4,514 |
| Net loans and leases to total assets | 62.7301% | 3,563 |
| Net loans and leases to deposits | 77.7577% | 3,034 |
| Net loans and leases to core deposits | 84.5482% | 2,976 |
| Total domestic deposits to total assets | 80.6738% | 5,540 |
| Equity capital to assets | 10.0437% | 4,280 |
| Core capital (leverage) ratio | 7.7070% | 6,635 |
| Tier 1 risk-based capital ratio | 12.8601% | 5,198 |
| Total risk-based capital ratio | 13.8698% | 5,371 |
| Memoranda: | ||
| Average total assets | $115,825,000 | 4,536 |
| Average earning assets | $105,410,500 | 4,541 |
| Average equity | $11,172,250 | 4,764 |
| Average total loans | $71,511,250 | 4,476 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2597% | 2,030 |
| Cost of funding earning assets | 1.2094% | 2,512 |
| Net interest margin | 4.0503% | 2,610 |
| Noninterest income to average assets | 1.1507% | 972 |
| Noninterest expense to average assets | 4.0378% | 991 |
| Loan and lease loss provision to assets | 0.1095% | 4,929 |
| Net operating income to assets | 0.6883% | 3,606 |
| Return on assets (ROA) | 0.6883% | 3,724 |
| Pretax return on assets | 0.6883% | 4,424 |
| Return on Equity (ROE) | 7.2382% | 3,330 |
| Retained earnings to average equity (ytd only) | 2.9245% | 4,423 |
| Net charge-offs to loans | 0.0710% | 4,931 |
| Credit loss provision to net charge-offs | 252.0000% | 1,200 |
| Earnings coverage of net charge-offs (x) | 18.3600% | 1,264 |
| Efficiency ratio | 82.3508% | 2,057 |
| Assets per employee ($millions) | 2.7304% | 6,595 |
| Cash dividends to net income (ytd only)* | 59.5960% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 6,041 |
| Loan loss allowance to noncurrent loans | 97.7612% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 1.3298% | 4,239 |
| Noncurrent loans to loans | 1.1046% | 4,824 |
| Net loans and leases to total assets | 62.7870% | 3,721 |
| Net loans and leases to deposits | 74.9074% | 3,662 |
| Net loans and leases to core deposits | 80.9346% | 3,665 |
| Total domestic deposits to total assets | 83.8195% | 4,426 |
| Equity capital to assets | 9.9804% | 4,175 |
| Core capital (leverage) ratio | 7.6974% | 6,586 |
| Tier 1 risk-based capital ratio | 13.1322% | 4,817 |
| Total risk-based capital ratio | 14.3276% | 4,838 |
| Memoranda: | ||
| Average total assets | $115,062,000 | 4,583 |
| Average earning assets | $104,683,330 | 4,592 |
| Average equity | $10,942,000 | 4,814 |
| Average total loans | $70,421,670 | 4,559 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1114% | 2,593 |
| Cost of funding earning assets | 1.2007% | 2,812 |
| Net interest margin | 3.9107% | 3,089 |
| Noninterest income to average assets | 1.1314% | 1,020 |
| Noninterest expense to average assets | 3.9668% | 1,079 |
| Loan and lease loss provision to assets | 0.1388% | 4,270 |
| Net operating income to assets | 0.5865% | 4,107 |
| Return on assets (ROA) | 0.5865% | 4,175 |
| Pretax return on assets | 0.5865% | 4,741 |
| Return on Equity (ROE) | 6.3234% | 3,715 |
| Retained earnings to average equity (ytd only) | 3.1430% | 4,286 |
| Net charge-offs to loans | -0.0462% | 6,854 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3580% | 2,037 |
| Assets per employee ($millions) | 2.6017% | 6,842 |
| Cash dividends to net income (ytd only)* | 50.2959% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 5,890 |
| Loan loss allowance to noncurrent loans | 152.1989% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 1.0993% | 4,724 |
| Noncurrent loans to loans | 0.7484% | 5,523 |
| Net loans and leases to total assets | 59.0060% | 4,462 |
| Net loans and leases to deposits | 69.7526% | 4,384 |
| Net loans and leases to core deposits | 74.3716% | 4,498 |
| Total domestic deposits to total assets | 84.5932% | 4,226 |
| Equity capital to assets | 9.2050% | 4,865 |
| Core capital (leverage) ratio | 7.5862% | 6,668 |
| Tier 1 risk-based capital ratio | 13.1273% | 4,727 |
| Total risk-based capital ratio | 14.3507% | 4,723 |
| Memoranda: | ||
| Average total assets | $115,255,500 | 4,610 |
| Average earning assets | $104,942,500 | 4,617 |
| Average equity | $10,690,500 | 4,871 |
| Average total loans | $69,239,000 | 4,639 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3403% | 2,932 |
| Cost of funding earning assets | 1.2635% | 4,117 |
| Net interest margin | 4.0768% | 2,676 |
| Noninterest income to average assets | 1.2553% | 942 |
| Noninterest expense to average assets | 4.2085% | 894 |
| Loan and lease loss provision to assets | 0.4453% | 3,458 |
| Net operating income to assets | 0.3085% | 4,909 |
| Return on assets (ROA) | 0.3961% | 4,698 |
| Pretax return on assets | 0.3961% | 4,955 |
| Return on Equity (ROE) | 4.0120% | 4,517 |
| Retained earnings to average equity (ytd only) | 1.8385% | 4,575 |
| Net charge-offs to loans | 0.4969% | 3,646 |
| Credit loss provision to net charge-offs | 145.1895% | 2,546 |
| Earnings coverage of net charge-offs (x) | 2.4577% | 3,894 |
| Efficiency ratio | 83.6216% | 1,966 |
| Assets per employee ($millions) | 2.4135% | 7,121 |
| Cash dividends to net income (ytd only)* | 54.1761% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 5,982 |
| Loan loss allowance to noncurrent loans | 111.8087% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 1.3065% | 4,416 |
| Noncurrent loans to loans | 0.9752% | 5,102 |
| Net loans and leases to total assets | 59.8159% | 4,708 |
| Net loans and leases to deposits | 73.1997% | 4,329 |
| Net loans and leases to core deposits | 78.1253% | 4,449 |
| Total domestic deposits to total assets | 81.7161% | 5,288 |
| Equity capital to assets | 9.3482% | 4,618 |
| Core capital (leverage) ratio | 7.5574% | 6,656 |
| Tier 1 risk-based capital ratio | 13.2904% | 4,380 |
| Total risk-based capital ratio | 14.4681% | 4,389 |
| Memoranda: | ||
| Average total assets | $111,846,200 | 4,662 |
| Average earning assets | $101,697,600 | 4,679 |
| Average equity | $11,041,800 | 4,853 |
| Average total loans | $69,028,600 | 4,715 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4808% | 2,517 |
| Cost of funding earning assets | 1.2583% | 4,504 |
| Net interest margin | 4.2225% | 2,134 |
| Noninterest income to average assets | 1.2633% | 864 |
| Noninterest expense to average assets | 4.2757% | 761 |
| Loan and lease loss provision to assets | 0.4367% | 3,290 |
| Net operating income to assets | 0.3888% | 4,797 |
| Return on assets (ROA) | 0.4989% | 4,513 |
| Pretax return on assets | 0.4989% | 4,929 |
| Return on Equity (ROE) | 4.9859% | 4,296 |
| Retained earnings to average equity (ytd only) | 3.3119% | 4,120 |
| Net charge-offs to loans | 0.4127% | 3,643 |
| Credit loss provision to net charge-offs | 170.5607% | 2,178 |
| Earnings coverage of net charge-offs (x) | 3.2243% | 3,535 |
| Efficiency ratio | 82.6689% | 1,987 |
| Assets per employee ($millions) | 2.2966% | 7,308 |
| Cash dividends to net income (ytd only)* | 33.5725% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 6,024 |
| Loan loss allowance to noncurrent loans | 51.7385% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 1.6718% | 3,942 |
| Noncurrent loans to loans | 2.0858% | 3,585 |
| Net loans and leases to total assets | 61.8643% | 4,562 |
| Net loans and leases to deposits | 73.7220% | 4,563 |
| Net loans and leases to core deposits | 78.0057% | 4,805 |
| Total domestic deposits to total assets | 83.9157% | 4,178 |
| Equity capital to assets | 10.1707% | 3,918 |
| Core capital (leverage) ratio | 7.8851% | 6,483 |
| Tier 1 risk-based capital ratio | 13.0387% | 4,551 |
| Total risk-based capital ratio | 14.1803% | 4,612 |
| Memoranda: | ||
| Average total assets | $111,449,500 | 4,730 |
| Average earning assets | $101,295,750 | 4,751 |
| Average equity | $11,151,250 | 4,889 |
| Average total loans | $69,136,000 | 4,790 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4642% | 2,683 |
| Cost of funding earning assets | 1.2540% | 4,801 |
| Net interest margin | 4.2102% | 2,123 |
| Noninterest income to average assets | 1.1765% | 927 |
| Noninterest expense to average assets | 4.3611% | 672 |
| Loan and lease loss provision to assets | 0.2414% | 4,500 |
| Net operating income to assets | 0.4041% | 4,738 |
| Return on assets (ROA) | 0.4202% | 4,816 |
| Pretax return on assets | 0.4202% | 5,158 |
| Return on Equity (ROE) | 4.2224% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.2224% | 3,385 |
| Net charge-offs to loans | 0.2861% | 3,906 |
| Credit loss provision to net charge-offs | 136.3636% | 2,937 |
| Earnings coverage of net charge-offs (x) | 3.6465% | 3,229 |
| Efficiency ratio | 85.9286% | 1,711 |
| Assets per employee ($millions) | 2.3986% | 7,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 6,711 |
| Loan loss allowance to noncurrent loans | 42.7020% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 1.6312% | 3,993 |
| Noncurrent loans to loans | 2.1380% | 3,543 |
| Net loans and leases to total assets | 60.5547% | 4,953 |
| Net loans and leases to deposits | 71.8638% | 5,017 |
| Net loans and leases to core deposits | 75.6689% | 5,231 |
| Total domestic deposits to total assets | 84.2632% | 3,979 |
| Equity capital to assets | 10.1006% | 3,890 |
| Core capital (leverage) ratio | 7.7115% | 6,594 |
| Tier 1 risk-based capital ratio | 12.7085% | 4,685 |
| Total risk-based capital ratio | 13.6557% | 4,920 |
| Memoranda: | ||
| Average total assets | $111,853,330 | 4,755 |
| Average earning assets | $101,754,000 | 4,752 |
| Average equity | $11,131,000 | 4,895 |
| Average total loans | $69,200,670 | 4,816 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3891% | 3,089 |
| Cost of funding earning assets | 1.2673% | 5,020 |
| Net interest margin | 4.1218% | 2,347 |
| Noninterest income to average assets | 1.0520% | 1,149 |
| Noninterest expense to average assets | 4.3586% | 674 |
| Loan and lease loss provision to assets | 0.2693% | 3,872 |
| Net operating income to assets | 0.1723% | 5,781 |
| Return on assets (ROA) | 0.2046% | 5,788 |
| Pretax return on assets | 0.2046% | 5,866 |
| Return on Equity (ROE) | 2.0722% | 5,737 |
| Retained earnings to average equity (ytd only) | 2.0722% | 4,887 |
| Net charge-offs to loans | 0.0115% | 5,423 |
| Credit loss provision to net charge-offs | 3,750.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 61.5000% | 500 |
| Efficiency ratio | 89.6036% | 1,463 |
| Assets per employee ($millions) | 2.4633% | 7,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 6,636 |
| Loan loss allowance to noncurrent loans | 46.2500% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 1.4759% | 4,295 |
| Noncurrent loans to loans | 2.0797% | 3,680 |
| Net loans and leases to total assets | 61.8649% | 4,785 |
| Net loans and leases to deposits | 72.4752% | 4,992 |
| Net loans and leases to core deposits | 76.3092% | 5,215 |
| Total domestic deposits to total assets | 85.3601% | 3,481 |
| Equity capital to assets | 9.9388% | 3,941 |
| Core capital (leverage) ratio | 7.5482% | 6,803 |
| Tier 1 risk-based capital ratio | 12.5102% | 4,737 |
| Total risk-based capital ratio | 13.5206% | 4,897 |
| Memoranda: | ||
| Average total assets | $111,412,000 | 4,838 |
| Average earning assets | $101,315,500 | 4,841 |
| Average equity | $11,003,000 | 4,972 |
| Average total loans | $69,353,000 | 4,888 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9116% | 2,186 |
| Cost of funding earning assets | 1.4157% | 5,864 |
| Net interest margin | 4.4959% | 1,188 |
| Noninterest income to average assets | 1.0146% | 1,521 |
| Noninterest expense to average assets | 4.2772% | 1,013 |
| Loan and lease loss provision to assets | 0.3120% | 4,952 |
| Net operating income to assets | 0.4903% | 3,769 |
| Return on assets (ROA) | 0.5529% | 3,601 |
| Pretax return on assets | 0.5629% | 4,009 |
| Return on Equity (ROE) | 5.6004% | 3,379 |
| Retained earnings to average equity (ytd only) | 1.5988% | 3,961 |
| Net charge-offs to loans | 0.5350% | 3,644 |
| Credit loss provision to net charge-offs | 92.4324% | 5,924 |
| Earnings coverage of net charge-offs (x) | 2.4027% | 3,932 |
| Efficiency ratio | 82.8940% | 2,489 |
| Assets per employee ($millions) | 2.2852% | 7,487 |
| Cash dividends to net income (ytd only)* | 71.4521% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8537% | 6,971 |
| Loan loss allowance to noncurrent loans | 68.0827% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 0.9511% | 5,206 |
| Noncurrent loans to loans | 1.2539% | 4,844 |
| Net loans and leases to total assets | 61.5051% | 5,103 |
| Net loans and leases to deposits | 70.4296% | 5,548 |
| Net loans and leases to core deposits | 85.8345% | 5,532 |
| Total domestic deposits to total assets | 87.3285% | 2,307 |
| Equity capital to assets | 9.8137% | 3,990 |
| Core capital (leverage) ratio | 7.4375% | 6,846 |
| Tier 1 risk-based capital ratio | 11.9814% | 4,963 |
| Total risk-based capital ratio | 12.8508% | 5,251 |
| Memoranda: | ||
| Average total assets | $109,604,200 | 4,831 |
| Average earning assets | $99,313,200 | 4,858 |
| Average equity | $10,820,600 | 5,074 |
| Average total loans | $69,163,200 | 4,895 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9562% | 2,212 |
| Cost of funding earning assets | 1.4229% | 6,141 |
| Net interest margin | 4.5333% | 1,114 |
| Noninterest income to average assets | 0.9577% | 1,747 |
| Noninterest expense to average assets | 4.2820% | 934 |
| Loan and lease loss provision to assets | 0.3376% | 4,310 |
| Net operating income to assets | 0.4040% | 4,384 |
| Return on assets (ROA) | 0.4819% | 4,162 |
| Pretax return on assets | 0.5308% | 4,420 |
| Return on Equity (ROE) | 4.8738% | 4,018 |
| Retained earnings to average equity (ytd only) | 3.6862% | 3,230 |
| Net charge-offs to loans | 0.6542% | 2,721 |
| Credit loss provision to net charge-offs | 81.4159% | 5,722 |
| Earnings coverage of net charge-offs (x) | 1.8879% | 4,394 |
| Efficiency ratio | 83.3615% | 2,375 |
| Assets per employee ($millions) | 2.2374% | 7,573 |
| Cash dividends to net income (ytd only)* | 24.3661% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7982% | 7,126 |
| Loan loss allowance to noncurrent loans | 60.7843% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 1.0535% | 4,971 |
| Noncurrent loans to loans | 1.3131% | 4,745 |
| Net loans and leases to total assets | 63.2572% | 5,028 |
| Net loans and leases to deposits | 72.4189% | 5,587 |
| Net loans and leases to core deposits | 88.0012% | 5,640 |
| Total domestic deposits to total assets | 87.3489% | 1,983 |
| Equity capital to assets | 10.1090% | 3,952 |
| Core capital (leverage) ratio | 7.7753% | 6,636 |
| Tier 1 risk-based capital ratio | 12.3002% | 4,708 |
| Total risk-based capital ratio | 13.1291% | 5,015 |
| Memoranda: | ||
| Average total assets | $109,011,250 | 4,883 |
| Average earning assets | $98,763,250 | 4,896 |
| Average equity | $10,778,500 | 5,120 |
| Average total loans | $69,088,000 | 4,948 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0409% | 2,015 |
| Cost of funding earning assets | 1.4212% | 6,412 |
| Net interest margin | 4.6198% | 919 |
| Noninterest income to average assets | 0.8511% | 2,176 |
| Noninterest expense to average assets | 4.2848% | 963 |
| Loan and lease loss provision to assets | 0.3860% | 3,602 |
| Net operating income to assets | 0.2966% | 4,914 |
| Return on assets (ROA) | 0.4044% | 4,609 |
| Pretax return on assets | 0.4779% | 4,692 |
| Return on Equity (ROE) | 4.1210% | 4,445 |
| Retained earnings to average equity (ytd only) | 2.3227% | 4,042 |
| Net charge-offs to loans | 0.8109% | 2,064 |
| Credit loss provision to net charge-offs | 75.2688% | 5,313 |
| Earnings coverage of net charge-offs (x) | 1.4373% | 4,453 |
| Efficiency ratio | 84.1142% | 2,460 |
| Assets per employee ($millions) | 2.1542% | 7,722 |
| Cash dividends to net income (ytd only)* | 43.6364% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 7,150 |
| Loan loss allowance to noncurrent loans | 99.6390% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 1.1150% | 4,723 |
| Noncurrent loans to loans | 0.8037% | 5,624 |
| Net loans and leases to total assets | 62.2433% | 5,322 |
| Net loans and leases to deposits | 70.8786% | 5,888 |
| Net loans and leases to core deposits | 85.0630% | 6,007 |
| Total domestic deposits to total assets | 87.8168% | 1,858 |
| Equity capital to assets | 9.7248% | 4,313 |
| Core capital (leverage) ratio | 7.6036% | 6,896 |
| Tier 1 risk-based capital ratio | 12.0343% | 4,890 |
| Total risk-based capital ratio | 12.8553% | 5,216 |
| Memoranda: | ||
| Average total assets | $108,803,330 | 4,916 |
| Average earning assets | $98,229,670 | 4,948 |
| Average equity | $10,677,000 | 5,169 |
| Average total loans | $68,814,000 | 5,005 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2529% | 1,433 |
| Cost of funding earning assets | 1.3936% | 6,758 |
| Net interest margin | 4.8593% | 542 |
| Noninterest income to average assets | 0.8423% | 2,114 |
| Noninterest expense to average assets | 4.2596% | 884 |
| Loan and lease loss provision to assets | 0.5874% | 2,141 |
| Net operating income to assets | 0.2988% | 5,304 |
| Return on assets (ROA) | 0.4950% | 4,631 |
| Pretax return on assets | 0.6428% | 4,614 |
| Return on Equity (ROE) | 5.0218% | 4,467 |
| Retained earnings to average equity (ytd only) | 4.8719% | 3,205 |
| Net charge-offs to loans | 0.6865% | 1,810 |
| Credit loss provision to net charge-offs | 134.7458% | 3,005 |
| Earnings coverage of net charge-offs (x) | 2.2373% | 3,620 |
| Efficiency ratio | 80.2399% | 2,777 |
| Assets per employee ($millions) | 2.1255% | 7,784 |
| Cash dividends to net income (ytd only)* | 2.9851% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 6,310 |
| Loan loss allowance to noncurrent loans | 144.2266% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.9834% | 4,735 |
| Noncurrent loans to loans | 0.6789% | 5,707 |
| Net loans and leases to total assets | 61.7550% | 5,380 |
| Net loans and leases to deposits | 70.8812% | 5,885 |
| Net loans and leases to core deposits | 83.6631% | 6,088 |
| Total domestic deposits to total assets | 87.1247% | 2,159 |
| Equity capital to assets | 9.8440% | 4,190 |
| Core capital (leverage) ratio | 7.7987% | 6,745 |
| Tier 1 risk-based capital ratio | 12.2193% | 4,774 |
| Total risk-based capital ratio | 13.2204% | 4,880 |
| Memoranda: | ||
| Average total assets | $108,273,000 | 4,943 |
| Average earning assets | $97,874,000 | 4,973 |
| Average equity | $10,673,500 | 5,193 |
| Average total loans | $68,753,500 | 5,025 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7926% | 1,704 |
| Cost of funding earning assets | 1.8436% | 6,886 |
| Net interest margin | 4.9490% | 571 |
| Noninterest income to average assets | 0.7667% | 2,687 |
| Noninterest expense to average assets | 4.4335% | 922 |
| Loan and lease loss provision to assets | 0.3017% | 3,960 |
| Net operating income to assets | 0.3322% | 5,436 |
| Return on assets (ROA) | 0.3452% | 5,191 |
| Pretax return on assets | 0.4952% | 4,985 |
| Return on Equity (ROE) | 3.6767% | 4,961 |
| Retained earnings to average equity (ytd only) | -3.7901% | 6,282 |
| Net charge-offs to loans | 0.5323% | 2,233 |
| Credit loss provision to net charge-offs | 92.6431% | 5,609 |
| Earnings coverage of net charge-offs (x) | 2.3896% | 4,884 |
| Efficiency ratio | 83.9605% | 2,058 |
| Assets per employee ($millions) | 2.1205% | 7,801 |
| Cash dividends to net income (ytd only)* | 203.0848% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 6,738 |
| Loan loss allowance to noncurrent loans | 43.9802% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 1.7615% | 2,772 |
| Noncurrent loans to loans | 2.0200% | 2,741 |
| Net loans and leases to total assets | 64.0631% | 5,263 |
| Net loans and leases to deposits | 75.2139% | 5,699 |
| Net loans and leases to core deposits | 88.0597% | 5,974 |
| Total domestic deposits to total assets | 85.1745% | 2,766 |
| Equity capital to assets | 9.8719% | 4,192 |
| Core capital (leverage) ratio | 7.5958% | 7,081 |
| Tier 1 risk-based capital ratio | 11.5111% | 5,233 |
| Total risk-based capital ratio | 12.4120% | 5,468 |
| Memoranda: | ||
| Average total assets | $112,686,400 | 4,701 |
| Average earning assets | $101,212,400 | 4,770 |
| Average equity | $10,580,200 | 5,243 |
| Average total loans | $68,942,200 | 4,907 |