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 | 5.2726% | 1,535 |
| Cost of funding earning assets | 1.9165% | 1,043 |
| Net interest margin | 3.3561% | 2,505 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.3133% | 2,816 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.8141% | 2,825 |
| Return on assets (ROA) | 0.7500% | 3,027 |
| Pretax return on assets | 0.9970% | 2,698 |
| Return on Equity (ROE) | 11.8900% | 1,980 |
| Retained earnings to average equity (ytd only) | 10.7855% | 844 |
| Net charge-offs to loans | 0.0078% | 2,386 |
| Credit loss provision to net charge-offs | 1,941.6667% | 235 |
| Earnings coverage of net charge-offs (x) | 228.9167% | 535 |
| Efficiency ratio | 65.9898% | 2,356 |
| Assets per employee ($millions) | 8.2236% | 1,320 |
| Cash dividends to net income (ytd only)* | 9.3171% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 2,612 |
| Loan loss allowance to noncurrent loans | 189.0799% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 1,382 |
| Noncurrent loans to loans | 0.6018% | 1,308 |
| Net loans and leases to total assets | 65.8500% | 2,270 |
| Net loans and leases to deposits | 73.2327% | 2,676 |
| Net loans and leases to core deposits | 94.2031% | 1,758 |
| Total domestic deposits to total assets | 89.9200% | 775 |
| Equity capital to assets | 6.6382% | 4,069 |
| Core capital (leverage) ratio | 8.4288% | 4,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4974% | 2,066 |
| Memoranda: | ||
| Average total assets | $230,402,400 | 2,786 |
| Average earning assets | $219,359,600 | 2,744 |
| Average equity | $14,528,800 | 3,303 |
| Average total loans | $154,832,600 | 2,637 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1753% | 1,503 |
| Cost of funding earning assets | 1.7969% | 1,009 |
| Net interest margin | 3.3784% | 2,500 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.3658% | 2,610 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.8470% | 2,873 |
| Return on assets (ROA) | 0.7599% | 3,131 |
| Pretax return on assets | 0.9732% | 2,923 |
| Return on Equity (ROE) | 12.2300% | 2,067 |
| Retained earnings to average equity (ytd only) | 11.0802% | 1,146 |
| Net charge-offs to loans | 0.0105% | 2,010 |
| Credit loss provision to net charge-offs | 833.3333% | 450 |
| Earnings coverage of net charge-offs (x) | 163.2500% | 691 |
| Efficiency ratio | 67.2134% | 2,112 |
| Assets per employee ($millions) | 7.5063% | 1,627 |
| Cash dividends to net income (ytd only)* | 9.3798% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 3,031 |
| Loan loss allowance to noncurrent loans | 201.7422% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 1,552 |
| Noncurrent loans to loans | 0.5292% | 1,500 |
| Net loans and leases to total assets | 69.1700% | 1,921 |
| Net loans and leases to deposits | 78.7450% | 2,169 |
| Net loans and leases to core deposits | 91.6363% | 1,823 |
| Total domestic deposits to total assets | 87.8400% | 1,631 |
| Equity capital to assets | 5.9022% | 4,024 |
| Core capital (leverage) ratio | 8.6564% | 4,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3492% | 2,136 |
| Memoranda: | ||
| Average total assets | $226,326,250 | 2,817 |
| Average earning assets | $215,323,750 | 2,783 |
| Average equity | $14,066,750 | 3,329 |
| Average total loans | $152,458,750 | 2,662 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0367% | 1,499 |
| Cost of funding earning assets | 1.6852% | 903 |
| Net interest margin | 3.3516% | 2,637 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.3425% | 2,672 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7743% | 3,158 |
| Return on assets (ROA) | 0.7743% | 3,170 |
| Pretax return on assets | 0.9955% | 2,920 |
| Return on Equity (ROE) | 12.2400% | 2,083 |
| Retained earnings to average equity (ytd only) | 11.1020% | 1,172 |
| Net charge-offs to loans | 0.0054% | 2,064 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 279.0000% | 480 |
| Efficiency ratio | 70.1764% | 1,750 |
| Assets per employee ($millions) | 7.3900% | 1,676 |
| Cash dividends to net income (ytd only)* | 9.3318% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 3,079 |
| Loan loss allowance to noncurrent loans | 373.0159% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 2,232 |
| Noncurrent loans to loans | 0.2874% | 2,111 |
| Net loans and leases to total assets | 66.2500% | 2,130 |
| Net loans and leases to deposits | 75.5998% | 2,353 |
| Net loans and leases to core deposits | 88.1163% | 1,919 |
| Total domestic deposits to total assets | 87.6300% | 1,733 |
| Equity capital to assets | 6.3360% | 4,054 |
| Core capital (leverage) ratio | 8.6943% | 4,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9122% | 1,936 |
| Memoranda: | ||
| Average total assets | $224,203,667 | 2,840 |
| Average earning assets | $213,273,667 | 2,803 |
| Average equity | $14,177,667 | 3,339 |
| Average total loans | $149,045,667 | 2,683 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8683% | 1,468 |
| Cost of funding earning assets | 1.4645% | 909 |
| Net interest margin | 3.4038% | 2,626 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.4946% | 2,260 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7812% | 3,250 |
| Return on assets (ROA) | 0.7684% | 3,254 |
| Pretax return on assets | 0.9975% | 3,003 |
| Return on Equity (ROE) | 12.1600% | 2,176 |
| Retained earnings to average equity (ytd only) | 10.9929% | 1,469 |
| Net charge-offs to loans | 0.0109% | 1,531 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 140.5000% | 630 |
| Efficiency ratio | 71.1054% | 1,625 |
| Assets per employee ($millions) | 7.1136% | 1,885 |
| Cash dividends to net income (ytd only)* | 9.6244% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 3,067 |
| Loan loss allowance to noncurrent loans | 301.2821% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 1,917 |
| Noncurrent loans to loans | 0.3645% | 1,842 |
| Net loans and leases to total assets | 65.0800% | 2,145 |
| Net loans and leases to deposits | 72.5838% | 2,418 |
| Net loans and leases to core deposits | 83.4243% | 2,028 |
| Total domestic deposits to total assets | 89.6600% | 1,276 |
| Equity capital to assets | 6.3514% | 4,080 |
| Core capital (leverage) ratio | 8.7178% | 3,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1920% | 1,911 |
| Memoranda: | ||
| Average total assets | $221,761,000 | 2,897 |
| Average earning assets | $210,589,000 | 2,855 |
| Average equity | $14,009,000 | 3,386 |
| Average total loans | $146,858,500 | 2,734 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9556% | 1,837 |
| Cost of funding earning assets | 0.4911% | 1,458 |
| Net interest margin | 3.4644% | 2,055 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.4162% | 2,374 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9050% | 2,940 |
| Return on assets (ROA) | 0.9050% | 2,878 |
| Pretax return on assets | 1.1833% | 2,495 |
| Return on Equity (ROE) | 13.6000% | 1,626 |
| Retained earnings to average equity (ytd only) | 12.5123% | 585 |
| Net charge-offs to loans | -0.0052% | 3,644 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.5737% | 2,136 |
| Assets per employee ($millions) | 6.7394% | 2,161 |
| Cash dividends to net income (ytd only)* | 7.9776% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 3,485 |
| Loan loss allowance to noncurrent loans | 283.4677% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.5142% | 990 |
| Noncurrent loans to loans | 0.3446% | 1,909 |
| Net loans and leases to total assets | 66.0900% | 2,031 |
| Net loans and leases to deposits | 72.4531% | 2,373 |
| Net loans and leases to core deposits | 79.3838% | 2,173 |
| Total domestic deposits to total assets | 91.2200% | 866 |
| Equity capital to assets | 6.2088% | 4,013 |
| Core capital (leverage) ratio | 8.7511% | 3,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0187% | 1,972 |
| Memoranda: | ||
| Average total assets | $217,448,800 | 2,922 |
| Average earning assets | $207,278,000 | 2,881 |
| Average equity | $14,473,800 | 3,415 |
| Average total loans | $134,756,800 | 2,781 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7552% | 1,878 |
| Cost of funding earning assets | 0.3765% | 1,465 |
| Net interest margin | 3.3787% | 2,040 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.4519% | 2,155 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.8310% | 3,127 |
| Return on assets (ROA) | 0.8310% | 3,098 |
| Pretax return on assets | 1.0763% | 2,793 |
| Return on Equity (ROE) | 12.2800% | 1,951 |
| Retained earnings to average equity (ytd only) | 11.2128% | 997 |
| Net charge-offs to loans | -0.0070% | 3,587 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.7189% | 1,927 |
| Assets per employee ($millions) | 7.4191% | 1,663 |
| Cash dividends to net income (ytd only)* | 8.6892% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 3,426 |
| Loan loss allowance to noncurrent loans | 243.2526% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.5351% | 1,007 |
| Noncurrent loans to loans | 0.4149% | 1,775 |
| Net loans and leases to total assets | 61.9600% | 2,295 |
| Net loans and leases to deposits | 66.7250% | 2,655 |
| Net loans and leases to core deposits | 68.5516% | 2,753 |
| Total domestic deposits to total assets | 92.8600% | 618 |
| Equity capital to assets | 5.5267% | 4,125 |
| Core capital (leverage) ratio | 8.4554% | 4,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6766% | 2,183 |
| Memoranda: | ||
| Average total assets | $217,896,000 | 2,944 |
| Average earning assets | $207,882,750 | 2,896 |
| Average equity | $14,744,750 | 3,429 |
| Average total loans | $132,461,500 | 2,806 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5497% | 1,994 |
| Cost of funding earning assets | 0.3835% | 1,031 |
| Net interest margin | 3.1662% | 2,302 |
| Noninterest income to average assets | 0.3781% | 2,887 |
| Noninterest expense to average assets | 2.4933% | 1,950 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7100% | 3,279 |
| Return on assets (ROA) | 0.7100% | 3,229 |
| Pretax return on assets | 0.9069% | 3,041 |
| Return on Equity (ROE) | 9.8719% | 2,379 |
| Retained earnings to average equity (ytd only) | 8.8564% | 1,330 |
| Net charge-offs to loans | -0.0138% | 3,725 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3279% | 1,584 |
| Assets per employee ($millions) | 6.5191% | 2,299 |
| Cash dividends to net income (ytd only)* | 10.2865% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 3,646 |
| Loan loss allowance to noncurrent loans | 233.1597% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 1,060 |
| Noncurrent loans to loans | 0.4244% | 1,845 |
| Net loans and leases to total assets | 60.6312% | 2,257 |
| Net loans and leases to deposits | 64.6079% | 2,666 |
| Net loans and leases to core deposits | 66.4683% | 2,783 |
| Total domestic deposits to total assets | 93.8448% | 309 |
| Equity capital to assets | 5.9427% | 4,220 |
| Core capital (leverage) ratio | 8.3365% | 4,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,337,000 | 2,979 |
| Average earning assets | $206,495,000 | 2,943 |
| Average equity | $15,559,333 | 3,446 |
| Average total loans | $130,176,667 | 2,837 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3366% | 2,275 |
| Cost of funding earning assets | 0.3862% | 949 |
| Net interest margin | 2.9504% | 2,668 |
| Noninterest income to average assets | 0.3463% | 3,023 |
| Noninterest expense to average assets | 2.3924% | 2,194 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5803% | 3,466 |
| Return on assets (ROA) | 0.5803% | 3,441 |
| Pretax return on assets | 0.7712% | 3,199 |
| Return on Equity (ROE) | 7.4017% | 2,909 |
| Retained earnings to average equity (ytd only) | 6.4227% | 2,100 |
| Net charge-offs to loans | -0.0220% | 3,962 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6213% | 1,573 |
| Assets per employee ($millions) | 6.5550% | 2,340 |
| Cash dividends to net income (ytd only)* | 13.2258% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,541 |
| Loan loss allowance to noncurrent loans | 284.1102% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.4868% | 1,239 |
| Noncurrent loans to loans | 0.3685% | 2,167 |
| Net loans and leases to total assets | 56.8760% | 2,432 |
| Net loans and leases to deposits | 61.3808% | 2,768 |
| Net loans and leases to core deposits | 63.4669% | 2,838 |
| Total domestic deposits to total assets | 92.6608% | 362 |
| Equity capital to assets | 7.0112% | 4,209 |
| Core capital (leverage) ratio | 8.2561% | 4,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,680,500 | 3,011 |
| Average earning assets | $204,040,000 | 2,978 |
| Average equity | $16,753,000 | 3,417 |
| Average total loans | $127,399,000 | 2,875 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6615% | 2,217 |
| Cost of funding earning assets | 0.4310% | 1,321 |
| Net interest margin | 3.2305% | 2,515 |
| Noninterest income to average assets | 0.7407% | 1,621 |
| Noninterest expense to average assets | 2.7813% | 1,404 |
| Loan and lease loss provision to assets | 0.0466% | 2,128 |
| Net operating income to assets | 0.7975% | 3,341 |
| Return on assets (ROA) | 0.8012% | 3,400 |
| Pretax return on assets | 0.9880% | 3,293 |
| Return on Equity (ROE) | 8.9573% | 2,927 |
| Retained earnings to average equity (ytd only) | 8.1072% | 1,495 |
| Net charge-offs to loans | 0.0399% | 1,462 |
| Credit loss provision to net charge-offs | 183.6735% | 1,353 |
| Earnings coverage of net charge-offs (x) | 40.6327% | 1,428 |
| Efficiency ratio | 72.9777% | 1,413 |
| Assets per employee ($millions) | 6.0144% | 2,758 |
| Cash dividends to net income (ytd only)* | 9.4900% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 3,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 2,037 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 61.3052% | 2,035 |
| Net loans and leases to deposits | 67.3730% | 2,366 |
| Net loans and leases to core deposits | 70.0325% | 2,440 |
| Total domestic deposits to total assets | 90.9937% | 494 |
| Equity capital to assets | 8.7437% | 3,848 |
| Core capital (leverage) ratio | 8.8666% | 3,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,325,400 | 3,109 |
| Average earning assets | $183,750,000 | 3,073 |
| Average equity | $17,293,200 | 3,438 |
| Average total loans | $122,908,800 | 2,922 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7066% | 2,259 |
| Cost of funding earning assets | 0.4486% | 1,359 |
| Net interest margin | 3.2581% | 2,553 |
| Noninterest income to average assets | 0.7390% | 1,700 |
| Noninterest expense to average assets | 2.7921% | 1,358 |
| Loan and lease loss provision to assets | 0.0630% | 1,740 |
| Net operating income to assets | 0.7515% | 3,650 |
| Return on assets (ROA) | 0.7565% | 3,701 |
| Pretax return on assets | 0.9804% | 3,519 |
| Return on Equity (ROE) | 8.4058% | 3,282 |
| Retained earnings to average equity (ytd only) | 7.5427% | 2,206 |
| Net charge-offs to loans | 0.0481% | 1,181 |
| Credit loss provision to net charge-offs | 204.5455% | 1,194 |
| Earnings coverage of net charge-offs (x) | 33.6818% | 1,460 |
| Efficiency ratio | 72.9167% | 1,319 |
| Assets per employee ($millions) | 5.7528% | 2,934 |
| Cash dividends to net income (ytd only)* | 10.2683% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 3,663 |
| Loan loss allowance to noncurrent loans | 133,900.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 2,243 |
| Noncurrent loans to loans | 0.0008% | 4,229 |
| Net loans and leases to total assets | 62.6951% | 1,925 |
| Net loans and leases to deposits | 68.9645% | 2,334 |
| Net loans and leases to core deposits | 71.7254% | 2,448 |
| Total domestic deposits to total assets | 90.9093% | 400 |
| Equity capital to assets | 8.7793% | 4,017 |
| Core capital (leverage) ratio | 8.9142% | 3,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,534,250 | 3,166 |
| Average earning assets | $180,716,250 | 3,127 |
| Average equity | $17,146,500 | 3,493 |
| Average total loans | $121,961,750 | 2,979 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7587% | 2,177 |
| Cost of funding earning assets | 0.4763% | 1,352 |
| Net interest margin | 3.2823% | 2,504 |
| Noninterest income to average assets | 0.6601% | 1,967 |
| Noninterest expense to average assets | 2.8257% | 1,302 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7372% | 3,665 |
| Return on assets (ROA) | 0.7372% | 3,733 |
| Pretax return on assets | 0.9383% | 3,572 |
| Return on Equity (ROE) | 8.1204% | 3,376 |
| Retained earnings to average equity (ytd only) | 7.2600% | 2,338 |
| Net charge-offs to loans | -0.0167% | 3,908 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0711% | 1,159 |
| Assets per employee ($millions) | 5.5202% | 3,103 |
| Cash dividends to net income (ytd only)* | 10.5951% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 3,661 |
| Loan loss allowance to noncurrent loans | 559.6567% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4379% | 1,877 |
| Noncurrent loans to loans | 0.1865% | 3,299 |
| Net loans and leases to total assets | 63.9834% | 1,951 |
| Net loans and leases to deposits | 70.4566% | 2,364 |
| Net loans and leases to core deposits | 73.4174% | 2,468 |
| Total domestic deposits to total assets | 90.8125% | 434 |
| Equity capital to assets | 8.9396% | 3,845 |
| Core capital (leverage) ratio | 9.0203% | 3,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,929,333 | 3,197 |
| Average earning assets | $176,764,667 | 3,161 |
| Average equity | $16,969,667 | 3,514 |
| Average total loans | $120,090,667 | 3,004 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7953% | 2,112 |
| Cost of funding earning assets | 0.5382% | 1,172 |
| Net interest margin | 3.2571% | 2,525 |
| Noninterest income to average assets | 0.7530% | 1,698 |
| Noninterest expense to average assets | 2.9447% | 1,075 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6964% | 3,715 |
| Return on assets (ROA) | 0.6964% | 3,779 |
| Pretax return on assets | 0.8771% | 3,652 |
| Return on Equity (ROE) | 7.6107% | 3,441 |
| Retained earnings to average equity (ytd only) | 6.7307% | 2,658 |
| Net charge-offs to loans | -0.0510% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0501% | 1,035 |
| Assets per employee ($millions) | 5.8180% | 2,779 |
| Cash dividends to net income (ytd only)* | 11.5625% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 3,560 |
| Loan loss allowance to noncurrent loans | 1,222.4299% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 2,252 |
| Noncurrent loans to loans | 0.0877% | 3,868 |
| Net loans and leases to total assets | 64.8372% | 1,938 |
| Net loans and leases to deposits | 71.4107% | 2,373 |
| Net loans and leases to core deposits | 74.1789% | 2,501 |
| Total domestic deposits to total assets | 90.7948% | 477 |
| Equity capital to assets | 9.0065% | 3,679 |
| Core capital (leverage) ratio | 9.0827% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,790,000 | 3,217 |
| Average earning assets | $173,161,500 | 3,183 |
| Average equity | $16,818,500 | 3,528 |
| Average total loans | $117,673,500 | 3,033 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0685% | 2,516 |
| Cost of funding earning assets | 0.6647% | 1,900 |
| Net interest margin | 3.4038% | 2,766 |
| Noninterest income to average assets | 0.8403% | 1,415 |
| Noninterest expense to average assets | 3.0473% | 1,334 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7484% | 3,264 |
| Return on assets (ROA) | 0.7436% | 3,409 |
| Pretax return on assets | 0.9752% | 3,124 |
| Return on Equity (ROE) | 7.5359% | 2,985 |
| Retained earnings to average equity (ytd only) | 6.6732% | 1,522 |
| Net charge-offs to loans | -0.0696% | 4,740 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6414% | 1,275 |
| Assets per employee ($millions) | 5.8517% | 2,496 |
| Cash dividends to net income (ytd only)* | 11.4473% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 3,246 |
| Loan loss allowance to noncurrent loans | 1,306.0606% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.4884% | 2,096 |
| Noncurrent loans to loans | 0.0874% | 3,941 |
| Net loans and leases to total assets | 61.7597% | 2,641 |
| Net loans and leases to deposits | 68.2252% | 3,056 |
| Net loans and leases to core deposits | 70.0523% | 3,250 |
| Total domestic deposits to total assets | 90.5233% | 368 |
| Equity capital to assets | 9.2992% | 3,787 |
| Core capital (leverage) ratio | 9.3300% | 3,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,472,200 | 3,246 |
| Average earning assets | $154,061,000 | 3,223 |
| Average equity | $16,229,000 | 3,528 |
| Average total loans | $110,595,600 | 3,091 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2332% | 2,300 |
| Cost of funding earning assets | 0.6943% | 2,057 |
| Net interest margin | 3.5389% | 2,461 |
| Noninterest income to average assets | 0.8637% | 1,323 |
| Noninterest expense to average assets | 3.0603% | 1,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8387% | 2,955 |
| Return on assets (ROA) | 0.8387% | 3,077 |
| Pretax return on assets | 1.1158% | 2,694 |
| Return on Equity (ROE) | 8.3637% | 2,663 |
| Retained earnings to average equity (ytd only) | 7.4925% | 1,497 |
| Net charge-offs to loans | -0.0922% | 4,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2815% | 1,481 |
| Assets per employee ($millions) | 5.8508% | 2,395 |
| Cash dividends to net income (ytd only)* | 10.4167% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 2,929 |
| Loan loss allowance to noncurrent loans | 234.9091% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 2,165 |
| Noncurrent loans to loans | 0.4904% | 2,594 |
| Net loans and leases to total assets | 63.1558% | 2,866 |
| Net loans and leases to deposits | 70.0803% | 3,310 |
| Net loans and leases to core deposits | 72.1403% | 3,460 |
| Total domestic deposits to total assets | 90.1192% | 387 |
| Equity capital to assets | 9.4945% | 3,691 |
| Core capital (leverage) ratio | 9.4438% | 3,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,239,500 | 3,272 |
| Average earning assets | $149,985,250 | 3,243 |
| Average equity | $16,069,000 | 3,540 |
| Average total loans | $109,912,750 | 3,110 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 2,164 |
| Cost of funding earning assets | 0.7556% | 2,078 |
| Net interest margin | 3.6621% | 2,287 |
| Noninterest income to average assets | 0.8740% | 1,226 |
| Noninterest expense to average assets | 3.1454% | 1,251 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8854% | 2,749 |
| Return on assets (ROA) | 0.8895% | 2,851 |
| Pretax return on assets | 1.1512% | 2,543 |
| Return on Equity (ROE) | 8.6955% | 2,496 |
| Retained earnings to average equity (ytd only) | 7.8133% | 1,367 |
| Net charge-offs to loans | -0.1282% | 4,887 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2953% | 1,531 |
| Assets per employee ($millions) | 5.7706% | 2,398 |
| Cash dividends to net income (ytd only)* | 10.1449% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 2,617 |
| Loan loss allowance to noncurrent loans | 1,248.5437% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 3,248 |
| Noncurrent loans to loans | 0.0944% | 4,082 |
| Net loans and leases to total assets | 64.4388% | 2,828 |
| Net loans and leases to deposits | 71.7421% | 3,284 |
| Net loans and leases to core deposits | 74.8084% | 3,388 |
| Total domestic deposits to total assets | 89.8200% | 450 |
| Equity capital to assets | 9.8011% | 3,366 |
| Core capital (leverage) ratio | 10.1815% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,145,000 | 3,303 |
| Average earning assets | $144,778,667 | 3,282 |
| Average equity | $15,870,333 | 3,562 |
| Average total loans | $109,168,667 | 3,113 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7308% | 1,615 |
| Cost of funding earning assets | 0.8313% | 2,219 |
| Net interest margin | 3.8995% | 1,675 |
| Noninterest income to average assets | 0.6065% | 2,017 |
| Noninterest expense to average assets | 3.3010% | 1,225 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7058% | 3,253 |
| Return on assets (ROA) | 0.7058% | 3,332 |
| Pretax return on assets | 0.9313% | 3,048 |
| Return on Equity (ROE) | 6.7416% | 3,051 |
| Retained earnings to average equity (ytd only) | 5.8445% | 1,937 |
| Net charge-offs to loans | -0.2528% | 4,968 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9962% | 1,334 |
| Assets per employee ($millions) | 5.1276% | 2,503 |
| Cash dividends to net income (ytd only)* | 13.3080% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 2,795 |
| Loan loss allowance to noncurrent loans | 486.7424% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 2,665 |
| Noncurrent loans to loans | 0.2417% | 3,619 |
| Net loans and leases to total assets | 72.5920% | 1,844 |
| Net loans and leases to deposits | 81.4145% | 2,531 |
| Net loans and leases to core deposits | 86.5270% | 2,641 |
| Total domestic deposits to total assets | 89.1635% | 596 |
| Equity capital to assets | 10.5030% | 3,318 |
| Core capital (leverage) ratio | 10.5190% | 2,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,043,500 | 3,335 |
| Average earning assets | $138,581,500 | 3,328 |
| Average equity | $15,604,500 | 3,603 |
| Average total loans | $109,191,500 | 3,093 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0776% | 1,265 |
| Cost of funding earning assets | 0.9039% | 2,171 |
| Net interest margin | 4.1737% | 1,365 |
| Noninterest income to average assets | 0.8013% | 1,450 |
| Noninterest expense to average assets | 3.2804% | 1,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0589% | 2,623 |
| Return on assets (ROA) | 1.0573% | 2,723 |
| Pretax return on assets | 1.3863% | 2,216 |
| Return on Equity (ROE) | 10.7236% | 1,992 |
| Retained earnings to average equity (ytd only) | 9.8266% | 527 |
| Net charge-offs to loans | 0.6303% | 289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 2.9183% | 3,369 |
| Efficiency ratio | 70.2641% | 2,132 |
| Assets per employee ($millions) | 4.9795% | 2,629 |
| Cash dividends to net income (ytd only)* | 8.3650% | 3,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 2,862 |
| Loan loss allowance to noncurrent loans | 1,004.9587% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.3534% | 2,990 |
| Noncurrent loans to loans | 0.1109% | 4,086 |
| Net loans and leases to total assets | 72.2538% | 2,053 |
| Net loans and leases to deposits | 80.9590% | 2,666 |
| Net loans and leases to core deposits | 87.4550% | 2,661 |
| Total domestic deposits to total assets | 89.2473% | 576 |
| Equity capital to assets | 10.4367% | 3,507 |
| Core capital (leverage) ratio | 10.3400% | 3,149 |
| Tier 1 risk-based capital ratio | 13.9468% | 3,297 |
| Total risk-based capital ratio | 15.0378% | 3,278 |
| Memoranda: | ||
| Average total assets | $149,250,800 | 3,309 |
| Average earning assets | $138,293,800 | 3,305 |
| Average equity | $14,715,200 | 3,663 |
| Average total loans | $112,641,800 | 3,042 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1312% | 1,208 |
| Cost of funding earning assets | 0.9173% | 2,147 |
| Net interest margin | 4.2139% | 1,347 |
| Noninterest income to average assets | 0.6031% | 2,189 |
| Noninterest expense to average assets | 3.1247% | 1,652 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0531% | 2,776 |
| Return on assets (ROA) | 1.0517% | 2,869 |
| Pretax return on assets | 1.3760% | 2,398 |
| Return on Equity (ROE) | 10.8255% | 2,088 |
| Retained earnings to average equity (ytd only) | 9.9150% | 769 |
| Net charge-offs to loans | 0.5650% | 293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 3.2058% | 3,127 |
| Efficiency ratio | 69.3987% | 2,203 |
| Assets per employee ($millions) | 4.7526% | 2,847 |
| Cash dividends to net income (ytd only)* | 8.4114% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 1,783 |
| Loan loss allowance to noncurrent loans | 398.0716% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.4873% | 2,576 |
| Noncurrent loans to loans | 0.3381% | 3,326 |
| Net loans and leases to total assets | 71.9022% | 2,191 |
| Net loans and leases to deposits | 80.6129% | 2,840 |
| Net loans and leases to core deposits | 86.9332% | 2,824 |
| Total domestic deposits to total assets | 89.1945% | 556 |
| Equity capital to assets | 10.3277% | 3,693 |
| Core capital (leverage) ratio | 10.2833% | 3,322 |
| Tier 1 risk-based capital ratio | 13.7472% | 3,452 |
| Total risk-based capital ratio | 14.9980% | 3,360 |
| Memoranda: | ||
| Average total assets | $149,217,000 | 3,342 |
| Average earning assets | $138,080,500 | 3,340 |
| Average equity | $14,496,250 | 3,718 |
| Average total loans | $113,514,000 | 3,066 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1594% | 1,080 |
| Cost of funding earning assets | 0.9319% | 2,001 |
| Net interest margin | 4.2275% | 1,292 |
| Noninterest income to average assets | 0.6140% | 2,085 |
| Noninterest expense to average assets | 3.2433% | 1,422 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9944% | 2,944 |
| Return on assets (ROA) | 0.9944% | 3,009 |
| Pretax return on assets | 1.2760% | 2,647 |
| Return on Equity (ROE) | 10.4515% | 2,198 |
| Retained earnings to average equity (ytd only) | 9.5256% | 899 |
| Net charge-offs to loans | 0.7390% | 194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 2.2389% | 2,958 |
| Efficiency ratio | 71.7661% | 1,954 |
| Assets per employee ($millions) | 4.8686% | 2,640 |
| Cash dividends to net income (ytd only)* | 8.8591% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 2,008 |
| Loan loss allowance to noncurrent loans | 405.1351% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4964% | 2,562 |
| Noncurrent loans to loans | 0.3213% | 3,380 |
| Net loans and leases to total assets | 77.8285% | 1,253 |
| Net loans and leases to deposits | 88.9921% | 1,862 |
| Net loans and leases to core deposits | 94.3517% | 2,222 |
| Total domestic deposits to total assets | 87.4556% | 1,362 |
| Equity capital to assets | 10.1187% | 3,867 |
| Core capital (leverage) ratio | 9.6092% | 4,027 |
| Tier 1 risk-based capital ratio | 12.8946% | 3,894 |
| Total risk-based capital ratio | 14.1450% | 3,795 |
| Memoranda: | ||
| Average total assets | $149,845,330 | 3,353 |
| Average earning assets | $138,427,670 | 3,351 |
| Average equity | $14,256,330 | 3,756 |
| Average total loans | $115,558,670 | 3,037 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0103% | 1,320 |
| Cost of funding earning assets | 0.9115% | 1,952 |
| Net interest margin | 4.0988% | 1,551 |
| Noninterest income to average assets | 0.6010% | 2,039 |
| Noninterest expense to average assets | 3.0421% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1810% | 2,128 |
| Return on assets (ROA) | 1.1810% | 2,178 |
| Pretax return on assets | 1.3523% | 2,257 |
| Return on Equity (ROE) | 12.8046% | 1,281 |
| Retained earnings to average equity (ytd only) | 11.8614% | 635 |
| Net charge-offs to loans | 0.8190% | 182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.1646% | 2,522 |
| Efficiency ratio | 69.2262% | 2,468 |
| Assets per employee ($millions) | 5.1693% | 2,318 |
| Cash dividends to net income (ytd only)* | 7.3661% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 1,441 |
| Loan loss allowance to noncurrent loans | 334.4554% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 2,188 |
| Noncurrent loans to loans | 0.4392% | 3,007 |
| Net loans and leases to total assets | 73.0466% | 1,965 |
| Net loans and leases to deposits | 82.5939% | 2,551 |
| Net loans and leases to core deposits | 89.7687% | 2,528 |
| Total domestic deposits to total assets | 88.4407% | 1,114 |
| Equity capital to assets | 9.2114% | 4,521 |
| Core capital (leverage) ratio | 9.6072% | 4,016 |
| Tier 1 risk-based capital ratio | 12.5382% | 4,145 |
| Total risk-based capital ratio | 13.7908% | 4,020 |
| Memoranda: | ||
| Average total assets | $151,739,500 | 3,368 |
| Average earning assets | $140,430,000 | 3,361 |
| Average equity | $13,995,000 | 3,801 |
| Average total loans | $115,751,500 | 3,066 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9113% | 1,253 |
| Cost of funding earning assets | 0.6070% | 2,667 |
| Net interest margin | 4.3043% | 1,145 |
| Noninterest income to average assets | 0.5367% | 2,628 |
| Noninterest expense to average assets | 3.1973% | 1,558 |
| Loan and lease loss provision to assets | 0.2994% | 538 |
| Net operating income to assets | 0.8061% | 3,785 |
| Return on assets (ROA) | 0.8044% | 3,794 |
| Pretax return on assets | 1.0482% | 3,447 |
| Return on Equity (ROE) | 8.0277% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.1133% | 1,620 |
| Net charge-offs to loans | 0.1851% | 1,035 |
| Credit loss provision to net charge-offs | 212.8205% | 1,358 |
| Earnings coverage of net charge-offs (x) | 9.5949% | 2,797 |
| Efficiency ratio | 70.3157% | 2,133 |
| Assets per employee ($millions) | 4.8054% | 2,734 |
| Cash dividends to net income (ytd only)* | 11.3901% | 3,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 3,655 |
| Loan loss allowance to noncurrent loans | 160.8516% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.8096% | 1,723 |
| Noncurrent loans to loans | 0.6247% | 2,422 |
| Net loans and leases to total assets | 77.4425% | 1,361 |
| Net loans and leases to deposits | 89.3207% | 1,888 |
| Net loans and leases to core deposits | 98.4040% | 1,839 |
| Total domestic deposits to total assets | 86.7017% | 1,914 |
| Equity capital to assets | 9.5800% | 4,062 |
| Core capital (leverage) ratio | 10.0862% | 3,480 |
| Tier 1 risk-based capital ratio | 12.8566% | 3,932 |
| Total risk-based capital ratio | 13.8831% | 3,939 |
| Memoranda: | ||
| Average total assets | $138,618,600 | 3,527 |
| Average earning assets | $129,150,400 | 3,503 |
| Average equity | $13,889,400 | 3,763 |
| Average total loans | $105,365,000 | 3,210 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8314% | 1,341 |
| Cost of funding earning assets | 0.5025% | 3,183 |
| Net interest margin | 4.3289% | 1,050 |
| Noninterest income to average assets | 0.5283% | 2,690 |
| Noninterest expense to average assets | 3.1198% | 1,715 |
| Loan and lease loss provision to assets | 0.1715% | 1,082 |
| Net operating income to assets | 0.9864% | 3,145 |
| Return on assets (ROA) | 0.9841% | 3,169 |
| Pretax return on assets | 1.2703% | 2,726 |
| Return on Equity (ROE) | 9.7044% | 2,750 |
| Retained earnings to average equity (ytd only) | 8.7766% | 1,316 |
| Net charge-offs to loans | 0.0130% | 2,960 |
| Credit loss provision to net charge-offs | 1,750.0000% | 242 |
| Earnings coverage of net charge-offs (x) | 147.4329% | 550 |
| Efficiency ratio | 68.3487% | 2,474 |
| Assets per employee ($millions) | 4.6324% | 2,943 |
| Cash dividends to net income (ytd only)* | 9.5620% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 3,749 |
| Loan loss allowance to noncurrent loans | 139.8496% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.8029% | 1,838 |
| Noncurrent loans to loans | 0.7163% | 2,287 |
| Net loans and leases to total assets | 76.8036% | 1,533 |
| Net loans and leases to deposits | 88.9531% | 2,025 |
| Net loans and leases to core deposits | 95.8528% | 2,127 |
| Total domestic deposits to total assets | 86.3416% | 2,040 |
| Equity capital to assets | 9.7644% | 3,853 |
| Core capital (leverage) ratio | 10.0392% | 3,594 |
| Tier 1 risk-based capital ratio | 13.1083% | 3,844 |
| Total risk-based capital ratio | 14.1112% | 3,891 |
| Memoranda: | ||
| Average total assets | $136,031,750 | 3,600 |
| Average earning assets | $126,834,250 | 3,583 |
| Average equity | $13,794,000 | 3,802 |
| Average total loans | $102,572,750 | 3,282 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6202% | 1,723 |
| Cost of funding earning assets | 0.4178% | 3,587 |
| Net interest margin | 4.2023% | 1,287 |
| Noninterest income to average assets | 0.5543% | 2,560 |
| Noninterest expense to average assets | 3.1654% | 1,619 |
| Loan and lease loss provision to assets | 0.1558% | 1,209 |
| Net operating income to assets | 0.9054% | 3,433 |
| Return on assets (ROA) | 0.9018% | 3,453 |
| Pretax return on assets | 1.1460% | 3,148 |
| Return on Equity (ROE) | 8.7768% | 3,132 |
| Retained earnings to average equity (ytd only) | 7.8291% | 1,693 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7873% | 2,195 |
| Assets per employee ($millions) | 4.3252% | 3,394 |
| Cash dividends to net income (ytd only)* | 10.7973% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 3,834 |
| Loan loss allowance to noncurrent loans | 200.5703% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.6365% | 2,312 |
| Noncurrent loans to loans | 0.4988% | 2,928 |
| Net loans and leases to total assets | 75.4326% | 1,732 |
| Net loans and leases to deposits | 84.2104% | 2,514 |
| Net loans and leases to core deposits | 88.3185% | 2,692 |
| Total domestic deposits to total assets | 89.5764% | 716 |
| Equity capital to assets | 10.1194% | 3,519 |
| Core capital (leverage) ratio | 10.1844% | 3,375 |
| Tier 1 risk-based capital ratio | 12.8668% | 3,968 |
| Total risk-based capital ratio | 13.8347% | 4,031 |
| Memoranda: | ||
| Average total assets | $133,507,670 | 3,652 |
| Average earning assets | $124,454,330 | 3,640 |
| Average equity | $13,718,000 | 3,836 |
| Average total loans | $99,627,330 | 3,342 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5077% | 1,844 |
| Cost of funding earning assets | 0.3931% | 3,640 |
| Net interest margin | 4.1145% | 1,405 |
| Noninterest income to average assets | 0.5707% | 2,420 |
| Noninterest expense to average assets | 3.0246% | 2,013 |
| Loan and lease loss provision to assets | 0.1007% | 1,842 |
| Net operating income to assets | 1.0114% | 2,814 |
| Return on assets (ROA) | 1.0041% | 2,857 |
| Pretax return on assets | 1.2697% | 2,479 |
| Return on Equity (ROE) | 9.6950% | 2,586 |
| Retained earnings to average equity (ytd only) | 8.7815% | 1,545 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6764% | 2,722 |
| Assets per employee ($millions) | 4.4642% | 3,217 |
| Cash dividends to net income (ytd only)* | 9.4225% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 3,924 |
| Loan loss allowance to noncurrent loans | 404.9383% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 3,064 |
| Noncurrent loans to loans | 0.2481% | 3,875 |
| Net loans and leases to total assets | 72.4081% | 2,104 |
| Net loans and leases to deposits | 80.8413% | 2,715 |
| Net loans and leases to core deposits | 86.2328% | 2,783 |
| Total domestic deposits to total assets | 89.5682% | 849 |
| Equity capital to assets | 10.2063% | 3,383 |
| Core capital (leverage) ratio | 10.5656% | 2,873 |
| Tier 1 risk-based capital ratio | 13.4551% | 3,686 |
| Total risk-based capital ratio | 14.4186% | 3,767 |
| Memoranda: | ||
| Average total assets | $131,058,000 | 3,732 |
| Average earning assets | $122,103,500 | 3,712 |
| Average equity | $13,574,000 | 3,891 |
| Average total loans | $96,711,500 | 3,419 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2198% | 2,613 |
| Cost of funding earning assets | 0.3683% | 3,537 |
| Net interest margin | 3.8515% | 2,243 |
| Noninterest income to average assets | 1.0419% | 936 |
| Noninterest expense to average assets | 3.3709% | 1,250 |
| Loan and lease loss provision to assets | 0.2220% | 893 |
| Net operating income to assets | 0.5387% | 4,268 |
| Return on assets (ROA) | 0.5729% | 4,164 |
| Pretax return on assets | 1.0589% | 3,347 |
| Return on Equity (ROE) | 5.5380% | 3,943 |
| Retained earnings to average equity (ytd only) | 4.6600% | 2,348 |
| Net charge-offs to loans | 0.2400% | 1,079 |
| Credit loss provision to net charge-offs | 140.1961% | 1,886 |
| Earnings coverage of net charge-offs (x) | 7.7500% | 2,999 |
| Efficiency ratio | 73.3074% | 2,014 |
| Assets per employee ($millions) | 4.1351% | 3,764 |
| Cash dividends to net income (ytd only)* | 15.8537% | 3,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 3,975 |
| Loan loss allowance to noncurrent loans | 315.9468% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.5117% | 2,853 |
| Noncurrent loans to loans | 0.3153% | 3,650 |
| Net loans and leases to total assets | 73.7302% | 1,966 |
| Net loans and leases to deposits | 82.5356% | 2,660 |
| Net loans and leases to core deposits | 87.1627% | 2,805 |
| Total domestic deposits to total assets | 89.3314% | 854 |
| Equity capital to assets | 10.5149% | 3,155 |
| Core capital (leverage) ratio | 10.5537% | 2,783 |
| Tier 1 risk-based capital ratio | 13.8627% | 3,438 |
| Total risk-based capital ratio | 14.8348% | 3,493 |
| Memoranda: | ||
| Average total assets | $128,807,800 | 3,765 |
| Average earning assets | $118,939,200 | 3,765 |
| Average equity | $13,326,200 | 3,939 |
| Average total loans | $84,999,600 | 3,637 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 3,006 |
| Cost of funding earning assets | 0.3635% | 3,519 |
| Net interest margin | 3.7303% | 2,655 |
| Noninterest income to average assets | 1.1310% | 787 |
| Noninterest expense to average assets | 3.3053% | 1,334 |
| Loan and lease loss provision to assets | 0.1034% | 2,048 |
| Net operating income to assets | 0.9074% | 2,995 |
| Return on assets (ROA) | 0.9501% | 2,842 |
| Pretax return on assets | 1.2148% | 2,840 |
| Return on Equity (ROE) | 9.2211% | 2,489 |
| Retained earnings to average equity (ytd only) | 8.3381% | 1,079 |
| Net charge-offs to loans | 0.3302% | 636 |
| Credit loss provision to net charge-offs | 49.0196% | 2,922 |
| Earnings coverage of net charge-offs (x) | 5.9903% | 3,037 |
| Efficiency ratio | 72.3467% | 2,159 |
| Assets per employee ($millions) | 4.2259% | 3,598 |
| Cash dividends to net income (ytd only)* | 9.5756% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8939% | 4,596 |
| Loan loss allowance to noncurrent loans | 247.5728% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.7904% | 2,162 |
| Noncurrent loans to loans | 0.3611% | 3,659 |
| Net loans and leases to total assets | 66.9023% | 2,989 |
| Net loans and leases to deposits | 75.5397% | 3,421 |
| Net loans and leases to core deposits | 79.8509% | 3,463 |
| Total domestic deposits to total assets | 88.5657% | 1,093 |
| Equity capital to assets | 11.0494% | 2,819 |
| Core capital (leverage) ratio | 10.0769% | 3,474 |
| Tier 1 risk-based capital ratio | 14.6436% | 3,109 |
| Total risk-based capital ratio | 15.4885% | 3,229 |
| Memoranda: | ||
| Average total assets | $128,962,500 | 3,804 |
| Average earning assets | $118,844,750 | 3,808 |
| Average equity | $13,288,000 | 3,985 |
| Average total loans | $82,383,250 | 3,720 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9662% | 3,329 |
| Cost of funding earning assets | 0.3628% | 3,453 |
| Net interest margin | 3.6034% | 3,022 |
| Noninterest income to average assets | 1.0641% | 890 |
| Noninterest expense to average assets | 3.3680% | 1,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8862% | 2,983 |
| Return on assets (ROA) | 0.9037% | 2,947 |
| Pretax return on assets | 1.0394% | 3,406 |
| Return on Equity (ROE) | 8.9822% | 2,520 |
| Retained earnings to average equity (ytd only) | 8.0779% | 1,128 |
| Net charge-offs to loans | -0.0197% | 4,775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7663% | 1,613 |
| Assets per employee ($millions) | 4.4957% | 3,114 |
| Cash dividends to net income (ytd only)* | 10.0683% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 4,004 |
| Loan loss allowance to noncurrent loans | 158.5895% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 1.1107% | 1,566 |
| Noncurrent loans to loans | 0.6455% | 2,798 |
| Net loans and leases to total assets | 62.8663% | 3,525 |
| Net loans and leases to deposits | 70.1333% | 3,906 |
| Net loans and leases to core deposits | 73.8226% | 3,955 |
| Total domestic deposits to total assets | 89.6383% | 668 |
| Equity capital to assets | 10.1452% | 3,746 |
| Core capital (leverage) ratio | 9.8154% | 3,758 |
| Tier 1 risk-based capital ratio | 14.4674% | 3,184 |
| Total risk-based capital ratio | 15.4468% | 3,232 |
| Memoranda: | ||
| Average total assets | $129,691,330 | 3,804 |
| Average earning assets | $119,610,670 | 3,813 |
| Average equity | $13,048,000 | 4,027 |
| Average total loans | $81,317,330 | 3,760 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8539% | 3,569 |
| Cost of funding earning assets | 0.3690% | 3,323 |
| Net interest margin | 3.4849% | 3,332 |
| Noninterest income to average assets | 0.5665% | 2,573 |
| Noninterest expense to average assets | 3.2919% | 1,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3849% | 4,991 |
| Return on assets (ROA) | 0.4123% | 4,939 |
| Pretax return on assets | 0.5193% | 4,928 |
| Return on Equity (ROE) | 4.1161% | 4,741 |
| Retained earnings to average equity (ytd only) | 3.2049% | 3,826 |
| Net charge-offs to loans | -0.0253% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1667% | 719 |
| Assets per employee ($millions) | 4.1666% | 3,728 |
| Cash dividends to net income (ytd only)* | 22.1374% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 3,926 |
| Loan loss allowance to noncurrent loans | 123.6544% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.2774% | 1,336 |
| Noncurrent loans to loans | 0.8577% | 2,314 |
| Net loans and leases to total assets | 63.0535% | 3,395 |
| Net loans and leases to deposits | 70.1236% | 3,784 |
| Net loans and leases to core deposits | 73.9598% | 3,836 |
| Total domestic deposits to total assets | 89.9175% | 700 |
| Equity capital to assets | 9.9268% | 3,849 |
| Core capital (leverage) ratio | 9.9657% | 3,546 |
| Tier 1 risk-based capital ratio | 14.3162% | 3,309 |
| Total risk-based capital ratio | 15.3138% | 3,355 |
| Memoranda: | ||
| Average total assets | $127,101,000 | 3,890 |
| Average earning assets | $117,076,000 | 3,893 |
| Average equity | $12,730,500 | 4,103 |
| Average total loans | $79,143,000 | 3,832 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7788% | 3,973 |
| Cost of funding earning assets | 0.3752% | 3,261 |
| Net interest margin | 3.4036% | 3,815 |
| Noninterest income to average assets | 0.8705% | 1,509 |
| Noninterest expense to average assets | 3.3637% | 1,430 |
| Loan and lease loss provision to assets | 0.0637% | 3,101 |
| Net operating income to assets | 0.4712% | 4,740 |
| Return on assets (ROA) | 0.4851% | 4,766 |
| Pretax return on assets | 0.6010% | 4,785 |
| Return on Equity (ROE) | 4.6283% | 4,601 |
| Retained earnings to average equity (ytd only) | 3.7712% | 3,234 |
| Net charge-offs to loans | -0.0086% | 4,907 |
| Credit loss provision to net charge-offs | -1,300.0000% | 5,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8559% | 1,021 |
| Assets per employee ($millions) | 4.3116% | 3,420 |
| Cash dividends to net income (ytd only)* | 18.5185% | 3,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 3,470 |
| Loan loss allowance to noncurrent loans | 218.8917% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 1.0349% | 1,827 |
| Noncurrent loans to loans | 0.5226% | 3,285 |
| Net loans and leases to total assets | 60.0630% | 3,841 |
| Net loans and leases to deposits | 66.9170% | 4,177 |
| Net loans and leases to core deposits | 70.6999% | 4,181 |
| Total domestic deposits to total assets | 89.7574% | 747 |
| Equity capital to assets | 10.1082% | 3,598 |
| Core capital (leverage) ratio | 9.9333% | 3,584 |
| Tier 1 risk-based capital ratio | 15.0277% | 2,954 |
| Total risk-based capital ratio | 16.0786% | 2,981 |
| Memoranda: | ||
| Average total assets | $122,453,200 | 3,950 |
| Average earning assets | $112,997,600 | 3,947 |
| Average equity | $12,834,000 | 4,115 |
| Average total loans | $69,727,000 | 4,049 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7405% | 4,114 |
| Cost of funding earning assets | 0.3652% | 3,383 |
| Net interest margin | 3.3754% | 3,938 |
| Noninterest income to average assets | 0.9030% | 1,396 |
| Noninterest expense to average assets | 3.3243% | 1,508 |
| Loan and lease loss provision to assets | 0.0854% | 2,518 |
| Net operating income to assets | 0.4840% | 4,750 |
| Return on assets (ROA) | 0.5013% | 4,790 |
| Pretax return on assets | 0.6316% | 4,798 |
| Return on Equity (ROE) | 4.7401% | 4,622 |
| Retained earnings to average equity (ytd only) | 3.6016% | 3,730 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7070% | 1,105 |
| Assets per employee ($millions) | 4.5492% | 3,001 |
| Cash dividends to net income (ytd only)* | 24.0170% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 3,508 |
| Loan loss allowance to noncurrent loans | 519.8795% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 3,845 |
| Noncurrent loans to loans | 0.2224% | 4,474 |
| Net loans and leases to total assets | 55.9116% | 4,315 |
| Net loans and leases to deposits | 62.2972% | 4,609 |
| Net loans and leases to core deposits | 65.6138% | 4,634 |
| Total domestic deposits to total assets | 89.7497% | 577 |
| Equity capital to assets | 10.0327% | 4,101 |
| Core capital (leverage) ratio | 9.8411% | 3,764 |
| Tier 1 risk-based capital ratio | 14.9865% | 3,060 |
| Total risk-based capital ratio | 16.0495% | 3,082 |
| Memoranda: | ||
| Average total assets | $121,807,250 | 3,984 |
| Average earning assets | $112,458,500 | 3,984 |
| Average equity | $12,882,750 | 4,141 |
| Average total loans | $68,166,250 | 4,118 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7575% | 4,104 |
| Cost of funding earning assets | 0.3684% | 3,371 |
| Net interest margin | 3.3891% | 3,938 |
| Noninterest income to average assets | 0.8004% | 1,711 |
| Noninterest expense to average assets | 3.2879% | 1,614 |
| Loan and lease loss provision to assets | 0.0507% | 3,135 |
| Net operating income to assets | 0.4549% | 4,849 |
| Return on assets (ROA) | 0.4813% | 4,855 |
| Pretax return on assets | 0.6181% | 4,842 |
| Return on Equity (ROE) | 4.4653% | 4,725 |
| Retained earnings to average equity (ytd only) | 3.6036% | 3,599 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8140% | 1,065 |
| Assets per employee ($millions) | 4.4695% | 3,085 |
| Cash dividends to net income (ytd only)* | 19.2982% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 3,568 |
| Loan loss allowance to noncurrent loans | 926.1364% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.4906% | 3,571 |
| Noncurrent loans to loans | 0.1255% | 4,936 |
| Net loans and leases to total assets | 55.3949% | 4,371 |
| Net loans and leases to deposits | 62.0336% | 4,648 |
| Net loans and leases to core deposits | 63.9417% | 4,752 |
| Total domestic deposits to total assets | 89.2982% | 765 |
| Equity capital to assets | 10.4733% | 3,665 |
| Core capital (leverage) ratio | 10.0826% | 3,472 |
| Tier 1 risk-based capital ratio | 15.5279% | 2,849 |
| Total risk-based capital ratio | 16.5796% | 2,863 |
| Memoranda: | ||
| Average total assets | $118,433,670 | 4,077 |
| Average earning assets | $109,116,000 | 4,079 |
| Average equity | $12,765,000 | 4,187 |
| Average total loans | $66,013,000 | 4,193 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7077% | 4,292 |
| Cost of funding earning assets | 0.3742% | 3,354 |
| Net interest margin | 3.3335% | 4,098 |
| Noninterest income to average assets | 0.6535% | 2,246 |
| Noninterest expense to average assets | 3.3508% | 1,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3211% | 5,239 |
| Return on assets (ROA) | 0.3302% | 5,297 |
| Pretax return on assets | 0.3789% | 5,350 |
| Return on Equity (ROE) | 3.0173% | 5,230 |
| Retained earnings to average equity (ytd only) | 2.1598% | 4,393 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0935% | 671 |
| Assets per employee ($millions) | 4.0040% | 3,931 |
| Cash dividends to net income (ytd only)* | 28.4211% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 3,418 |
| Loan loss allowance to noncurrent loans | 1,207.6923% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 3,569 |
| Noncurrent loans to loans | 0.1002% | 5,070 |
| Net loans and leases to total assets | 55.1643% | 4,339 |
| Net loans and leases to deposits | 62.1088% | 4,568 |
| Net loans and leases to core deposits | 64.1785% | 4,678 |
| Total domestic deposits to total assets | 88.8188% | 1,193 |
| Equity capital to assets | 10.9753% | 2,972 |
| Core capital (leverage) ratio | 10.4246% | 3,047 |
| Tier 1 risk-based capital ratio | 16.6298% | 2,429 |
| Total risk-based capital ratio | 17.7294% | 2,437 |
| Memoranda: | ||
| Average total assets | $115,077,000 | 4,166 |
| Average earning assets | $105,835,000 | 4,162 |
| Average equity | $12,594,000 | 4,225 |
| Average total loans | $63,949,500 | 4,263 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6681% | 4,463 |
| Cost of funding earning assets | 0.3807% | 3,359 |
| Net interest margin | 3.2874% | 4,340 |
| Noninterest income to average assets | 0.5972% | 2,730 |
| Noninterest expense to average assets | 3.2041% | 1,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3340% | 5,263 |
| Return on assets (ROA) | 0.3861% | 5,176 |
| Pretax return on assets | 0.4987% | 5,120 |
| Return on Equity (ROE) | 3.5646% | 5,119 |
| Retained earnings to average equity (ytd only) | 2.7364% | 4,125 |
| Net charge-offs to loans | 0.1273% | 2,099 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 6.7123% | 3,179 |
| Efficiency ratio | 88.1442% | 824 |
| Assets per employee ($millions) | 3.5637% | 4,698 |
| Cash dividends to net income (ytd only)* | 23.2346% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 3,214 |
| Loan loss allowance to noncurrent loans | 1,226.5625% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 3,571 |
| Noncurrent loans to loans | 0.1015% | 5,094 |
| Net loans and leases to total assets | 54.6085% | 4,434 |
| Net loans and leases to deposits | 61.4152% | 4,674 |
| Net loans and leases to core deposits | 63.6537% | 4,754 |
| Total domestic deposits to total assets | 88.9169% | 1,156 |
| Equity capital to assets | 10.9121% | 2,917 |
| Core capital (leverage) ratio | 10.1236% | 3,362 |
| Tier 1 risk-based capital ratio | 16.8342% | 2,345 |
| Total risk-based capital ratio | 17.9538% | 2,340 |
| Memoranda: | ||
| Average total assets | $113,697,200 | 4,183 |
| Average earning assets | $105,067,800 | 4,163 |
| Average equity | $12,315,600 | 4,242 |
| Average total loans | $57,325,000 | 4,450 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6114% | 4,701 |
| Cost of funding earning assets | 0.3820% | 3,406 |
| Net interest margin | 3.2295% | 4,581 |
| Noninterest income to average assets | 0.6185% | 2,640 |
| Noninterest expense to average assets | 3.0290% | 2,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4267% | 5,065 |
| Return on assets (ROA) | 0.4753% | 4,975 |
| Pretax return on assets | 0.6419% | 4,858 |
| Return on Equity (ROE) | 4.3961% | 4,874 |
| Retained earnings to average equity (ytd only) | 3.5602% | 3,936 |
| Net charge-offs to loans | 0.0215% | 3,505 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 54.5542% | 985 |
| Efficiency ratio | 84.0169% | 1,169 |
| Assets per employee ($millions) | 3.8005% | 4,264 |
| Cash dividends to net income (ytd only)* | 19.0115% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 2,629 |
| Loan loss allowance to noncurrent loans | 322.8137% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.6920% | 3,175 |
| Noncurrent loans to loans | 0.4322% | 4,058 |
| Net loans and leases to total assets | 52.6277% | 4,698 |
| Net loans and leases to deposits | 59.2421% | 4,909 |
| Net loans and leases to core deposits | 61.0852% | 4,995 |
| Total domestic deposits to total assets | 88.8349% | 1,109 |
| Equity capital to assets | 10.8502% | 3,192 |
| Core capital (leverage) ratio | 10.0484% | 3,559 |
| Tier 1 risk-based capital ratio | 17.0737% | 2,351 |
| Total risk-based capital ratio | 18.3138% | 2,302 |
| Memoranda: | ||
| Average total assets | $113,611,750 | 4,230 |
| Average earning assets | $105,070,750 | 4,206 |
| Average equity | $12,283,500 | 4,303 |
| Average total loans | $55,891,250 | 4,546 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5704% | 4,805 |
| Cost of funding earning assets | 0.3804% | 3,483 |
| Net interest margin | 3.1900% | 4,692 |
| Noninterest income to average assets | 0.4794% | 3,506 |
| Noninterest expense to average assets | 2.9997% | 2,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3436% | 5,314 |
| Return on assets (ROA) | 0.3631% | 5,364 |
| Pretax return on assets | 0.4600% | 5,328 |
| Return on Equity (ROE) | 3.3621% | 5,286 |
| Retained earnings to average equity (ytd only) | 2.5297% | 4,445 |
| Net charge-offs to loans | 0.0295% | 3,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 30.8750% | 1,339 |
| Efficiency ratio | 87.3268% | 957 |
| Assets per employee ($millions) | 4.0839% | 3,716 |
| Cash dividends to net income (ytd only)* | 24.7573% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 2,392 |
| Loan loss allowance to noncurrent loans | 586.2069% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 3,718 |
| Noncurrent loans to loans | 0.2520% | 4,770 |
| Net loans and leases to total assets | 47.8747% | 5,118 |
| Net loans and leases to deposits | 53.4795% | 5,286 |
| Net loans and leases to core deposits | 56.4399% | 5,282 |
| Total domestic deposits to total assets | 89.5197% | 889 |
| Equity capital to assets | 10.2793% | 3,711 |
| Core capital (leverage) ratio | 10.0768% | 3,498 |
| Tier 1 risk-based capital ratio | 17.3123% | 2,282 |
| Total risk-based capital ratio | 18.5721% | 2,240 |
| Memoranda: | ||
| Average total assets | $113,477,000 | 4,267 |
| Average earning assets | $105,142,670 | 4,242 |
| Average equity | $12,254,330 | 4,333 |
| Average total loans | $54,237,330 | 4,635 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6205% | 4,625 |
| Cost of funding earning assets | 0.3885% | 3,429 |
| Net interest margin | 3.2320% | 4,482 |
| Noninterest income to average assets | 0.3423% | 4,459 |
| Noninterest expense to average assets | 2.9045% | 2,893 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3474% | 5,255 |
| Return on assets (ROA) | 0.3820% | 5,257 |
| Pretax return on assets | 0.4793% | 5,232 |
| Return on Equity (ROE) | 3.4487% | 5,198 |
| Retained earnings to average equity (ytd only) | 2.6353% | 4,366 |
| Net charge-offs to loans | 0.0228% | 2,698 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 40.3333% | 968 |
| Efficiency ratio | 86.9471% | 1,102 |
| Assets per employee ($millions) | 4.1240% | 3,714 |
| Cash dividends to net income (ytd only)* | 23.5849% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5996% | 2,052 |
| Loan loss allowance to noncurrent loans | 555.1948% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.6556% | 3,532 |
| Noncurrent loans to loans | 0.2881% | 4,740 |
| Net loans and leases to total assets | 47.2352% | 5,109 |
| Net loans and leases to deposits | 53.2273% | 5,253 |
| Net loans and leases to core deposits | 55.9551% | 5,252 |
| Total domestic deposits to total assets | 88.7424% | 1,428 |
| Equity capital to assets | 11.0825% | 2,882 |
| Core capital (leverage) ratio | 10.5173% | 2,937 |
| Tier 1 risk-based capital ratio | 18.0252% | 2,128 |
| Total risk-based capital ratio | 19.2766% | 2,082 |
| Memoranda: | ||
| Average total assets | $110,999,500 | 4,346 |
| Average earning assets | $102,969,500 | 4,327 |
| Average equity | $12,294,500 | 4,362 |
| Average total loans | $52,581,500 | 4,715 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7165% | 4,731 |
| Cost of funding earning assets | 0.3999% | 3,690 |
| Net interest margin | 3.3165% | 4,519 |
| Noninterest income to average assets | 0.7248% | 2,194 |
| Noninterest expense to average assets | 2.9575% | 2,977 |
| Loan and lease loss provision to assets | 0.1060% | 2,380 |
| Net operating income to assets | 0.5898% | 4,426 |
| Return on assets (ROA) | 0.6129% | 4,413 |
| Pretax return on assets | 0.7219% | 4,548 |
| Return on Equity (ROE) | 5.4549% | 4,427 |
| Retained earnings to average equity (ytd only) | 5.2991% | 2,403 |
| Net charge-offs to loans | 0.0171% | 4,523 |
| Credit loss provision to net charge-offs | 1,362.5000% | 209 |
| Earnings coverage of net charge-offs (x) | 102.8750% | 514 |
| Efficiency ratio | 78.6953% | 2,103 |
| Assets per employee ($millions) | 4.2558% | 3,443 |
| Cash dividends to net income (ytd only)* | 2.8571% | 4,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 1,901 |
| Loan loss allowance to noncurrent loans | 539.6226% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 3,588 |
| Noncurrent loans to loans | 0.3075% | 4,742 |
| Net loans and leases to total assets | 45.9594% | 5,325 |
| Net loans and leases to deposits | 51.7698% | 5,496 |
| Net loans and leases to core deposits | 54.5854% | 5,472 |
| Total domestic deposits to total assets | 88.7765% | 1,371 |
| Equity capital to assets | 11.0698% | 2,833 |
| Core capital (leverage) ratio | 9.9601% | 3,634 |
| Tier 1 risk-based capital ratio | 18.8206% | 1,902 |
| Total risk-based capital ratio | 20.0745% | 1,860 |
| Memoranda: | ||
| Average total assets | $102,788,800 | 4,532 |
| Average earning assets | $94,013,800 | 4,551 |
| Average equity | $11,549,200 | 4,447 |
| Average total loans | $46,891,400 | 4,916 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7580% | 4,687 |
| Cost of funding earning assets | 0.3964% | 3,828 |
| Net interest margin | 3.3616% | 4,385 |
| Noninterest income to average assets | 0.4866% | 3,640 |
| Noninterest expense to average assets | 2.9080% | 3,088 |
| Loan and lease loss provision to assets | 0.1441% | 1,739 |
| Net operating income to assets | 0.3726% | 5,357 |
| Return on assets (ROA) | 0.3994% | 5,327 |
| Pretax return on assets | 0.5316% | 5,231 |
| Return on Equity (ROE) | 3.5401% | 5,351 |
| Retained earnings to average equity (ytd only) | 3.3291% | 4,248 |
| Net charge-offs to loans | 0.0234% | 4,047 |
| Credit loss provision to net charge-offs | 1,362.5000% | 254 |
| Earnings coverage of net charge-offs (x) | 60.4799% | 857 |
| Efficiency ratio | 81.9605% | 1,627 |
| Assets per employee ($millions) | 4.1995% | 3,488 |
| Cash dividends to net income (ytd only)* | 5.9604% | 3,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7300% | 1,886 |
| Loan loss allowance to noncurrent loans | 532.9193% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.7020% | 3,711 |
| Noncurrent loans to loans | 0.3246% | 4,935 |
| Net loans and leases to total assets | 46.4229% | 5,338 |
| Net loans and leases to deposits | 52.3974% | 5,508 |
| Net loans and leases to core deposits | 55.4080% | 5,483 |
| Total domestic deposits to total assets | 88.5976% | 1,454 |
| Equity capital to assets | 11.1185% | 2,843 |
| Core capital (leverage) ratio | 10.1653% | 3,454 |
| Tier 1 risk-based capital ratio | 18.7883% | 1,963 |
| Total risk-based capital ratio | 20.0415% | 1,926 |
| Memoranda: | ||
| Average total assets | $100,823,000 | 4,624 |
| Average earning assets | $91,818,500 | 4,647 |
| Average equity | $11,374,250 | 4,510 |
| Average total loans | $45,686,000 | 5,014 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8009% | 4,520 |
| Cost of funding earning assets | 0.3925% | 3,951 |
| Net interest margin | 3.4084% | 4,139 |
| Noninterest income to average assets | 0.4626% | 3,767 |
| Noninterest expense to average assets | 2.9929% | 2,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4161% | 5,155 |
| Return on assets (ROA) | 0.4324% | 5,172 |
| Pretax return on assets | 0.5833% | 5,007 |
| Return on Equity (ROE) | 3.8139% | 5,227 |
| Retained earnings to average equity (ytd only) | 3.8139% | 3,752 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2105% | 1,482 |
| Assets per employee ($millions) | 4.2894% | 3,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6453% | 2,306 |
| Loan loss allowance to noncurrent loans | 409.1892% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.9306% | 3,216 |
| Noncurrent loans to loans | 0.4021% | 4,782 |
| Net loans and leases to total assets | 43.9590% | 5,532 |
| Net loans and leases to deposits | 49.6615% | 5,661 |
| Net loans and leases to core deposits | 52.9101% | 5,618 |
| Total domestic deposits to total assets | 88.5173% | 1,628 |
| Equity capital to assets | 11.2525% | 2,657 |
| Core capital (leverage) ratio | 10.1407% | 3,423 |
| Tier 1 risk-based capital ratio | 19.6991% | 1,764 |
| Total risk-based capital ratio | 20.9507% | 1,729 |
| Memoranda: | ||
| Average total assets | $99,435,000 | 4,698 |
| Average earning assets | $90,189,330 | 4,725 |
| Average equity | $11,274,670 | 4,541 |
| Average total loans | $44,382,670 | 5,108 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8047% | 4,471 |
| Cost of funding earning assets | 0.3900% | 4,090 |
| Net interest margin | 3.4147% | 4,056 |
| Noninterest income to average assets | 0.4750% | 3,602 |
| Noninterest expense to average assets | 2.7314% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5815% | 4,289 |
| Return on assets (ROA) | 0.5815% | 4,358 |
| Pretax return on assets | 0.8272% | 3,987 |
| Return on Equity (ROE) | 5.1079% | 4,489 |
| Retained earnings to average equity (ytd only) | 5.1079% | 3,053 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7549% | 2,677 |
| Assets per employee ($millions) | 4.1197% | 3,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7345% | 2,231 |
| Loan loss allowance to noncurrent loans | 372.9064% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 1.2946% | 2,702 |
| Noncurrent loans to loans | 0.4651% | 4,761 |
| Net loans and leases to total assets | 43.3748% | 5,564 |
| Net loans and leases to deposits | 49.1665% | 5,653 |
| Net loans and leases to core deposits | 52.0240% | 5,614 |
| Total domestic deposits to total assets | 88.2202% | 2,095 |
| Equity capital to assets | 11.5239% | 2,225 |
| Core capital (leverage) ratio | 10.7598% | 2,641 |
| Tier 1 risk-based capital ratio | 19.8707% | 1,755 |
| Total risk-based capital ratio | 21.1239% | 1,715 |
| Memoranda: | ||
| Average total assets | $97,679,500 | 4,782 |
| Average earning assets | $88,207,000 | 4,815 |
| Average equity | $11,120,000 | 4,586 |
| Average total loans | $43,568,500 | 5,183 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4253% | 5,785 |
| Cost of funding earning assets | 0.3718% | 4,928 |
| Net interest margin | 3.0534% | 5,445 |
| Noninterest income to average assets | 1.0106% | 1,372 |
| Noninterest expense to average assets | 3.2047% | 2,400 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.2572% | 222 |
| Return on assets (ROA) | 2.5691% | 161 |
| Pretax return on assets | 0.9336% | 3,626 |
| Return on Equity (ROE) | 24.7133% | 131 |
| Retained earnings to average equity (ytd only) | 24.7133% | 48 |
| Net charge-offs to loans | 0.7445% | 863 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.9530% | 4,397 |
| Efficiency ratio | 83.7521% | 1,655 |
| Assets per employee ($millions) | 3.7110% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 2,265 |
| Loan loss allowance to noncurrent loans | 238.0503% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 1.5857% | 2,344 |
| Noncurrent loans to loans | 0.7311% | 4,132 |
| Net loans and leases to total assets | 44.2935% | 5,651 |
| Net loans and leases to deposits | 49.9953% | 5,769 |
| Net loans and leases to core deposits | 52.9402% | 5,735 |
| Total domestic deposits to total assets | 88.5952% | 1,857 |
| Equity capital to assets | 11.2410% | 2,393 |
| Core capital (leverage) ratio | 10.6300% | 2,753 |
| Tier 1 risk-based capital ratio | 19.5233% | 1,776 |
| Total risk-based capital ratio | 20.7755% | 1,738 |
| Memoranda: | ||
| Average total assets | $93,612,200 | 4,895 |
| Average earning assets | $86,329,400 | 4,875 |
| Average equity | $9,731,600 | 4,913 |
| Average total loans | $40,024,600 | 5,346 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3240% | 6,016 |
| Cost of funding earning assets | 0.3654% | 5,141 |
| Net interest margin | 2.9586% | 5,684 |
| Noninterest income to average assets | 1.1224% | 1,162 |
| Noninterest expense to average assets | 3.1892% | 2,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6760% | 3,977 |
| Return on assets (ROA) | 1.0951% | 2,098 |
| Pretax return on assets | 1.0951% | 3,133 |
| Return on Equity (ROE) | 10.7618% | 1,900 |
| Retained earnings to average equity (ytd only) | 10.7618% | 625 |
| Net charge-offs to loans | 0.7287% | 817 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 2.2009% | 4,104 |
| Efficiency ratio | 82.5102% | 1,759 |
| Assets per employee ($millions) | 3.5989% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9984% | 1,723 |
| Loan loss allowance to noncurrent loans | 164.2578% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 1.9258% | 2,106 |
| Noncurrent loans to loans | 1.2166% | 3,381 |
| Net loans and leases to total assets | 44.0752% | 5,726 |
| Net loans and leases to deposits | 49.0089% | 5,907 |
| Net loans and leases to core deposits | 51.9663% | 5,893 |
| Total domestic deposits to total assets | 89.9329% | 1,040 |
| Equity capital to assets | 9.8737% | 4,082 |
| Core capital (leverage) ratio | 10.4062% | 3,101 |
| Tier 1 risk-based capital ratio | 20.2067% | 1,682 |
| Total risk-based capital ratio | 21.4618% | 1,659 |
| Memoranda: | ||
| Average total assets | $92,893,750 | 4,955 |
| Average earning assets | $86,118,750 | 4,924 |
| Average equity | $9,453,000 | 5,041 |
| Average total loans | $39,157,250 | 5,436 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2090% | 6,218 |
| Cost of funding earning assets | 0.3596% | 5,320 |
| Net interest margin | 2.8493% | 5,902 |
| Noninterest income to average assets | 1.4288% | 771 |
| Noninterest expense to average assets | 3.2180% | 2,309 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8611% | 2,986 |
| Return on assets (ROA) | 1.4914% | 986 |
| Pretax return on assets | 1.4914% | 1,640 |
| Return on Equity (ROE) | 14.5102% | 909 |
| Retained earnings to average equity (ytd only) | 14.5102% | 272 |
| Net charge-offs to loans | 1.1209% | 529 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.8645% | 3,905 |
| Efficiency ratio | 78.8889% | 2,321 |
| Assets per employee ($millions) | 3.4758% | 4,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1651% | 1,495 |
| Loan loss allowance to noncurrent loans | 71.7577% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.7774% | 2,443 |
| Noncurrent loans to loans | 3.0173% | 1,475 |
| Net loans and leases to total assets | 40.4936% | 6,013 |
| Net loans and leases to deposits | 46.7631% | 6,059 |
| Net loans and leases to core deposits | 48.5438% | 6,104 |
| Total domestic deposits to total assets | 86.5931% | 3,062 |
| Equity capital to assets | 10.0451% | 3,858 |
| Core capital (leverage) ratio | 10.8208% | 2,536 |
| Tier 1 risk-based capital ratio | 21.4009% | 1,401 |
| Total risk-based capital ratio | 22.6575% | 1,373 |
| Memoranda: | ||
| Average total assets | $92,667,670 | 4,994 |
| Average earning assets | $86,195,330 | 4,945 |
| Average equity | $9,524,330 | 5,051 |
| Average total loans | $38,182,000 | 5,498 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2480% | 6,241 |
| Cost of funding earning assets | 0.3495% | 5,536 |
| Net interest margin | 2.8985% | 5,820 |
| Noninterest income to average assets | 2.2546% | 365 |
| Noninterest expense to average assets | 3.0930% | 2,700 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8636% | 427 |
| Return on assets (ROA) | 2.0678% | 338 |
| Pretax return on assets | 2.0678% | 532 |
| Return on Equity (ROE) | 19.8893% | 305 |
| Retained earnings to average equity (ytd only) | 19.8893% | 147 |
| Net charge-offs to loans | 0.4861% | 1,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.3261% | 1,847 |
| Efficiency ratio | 62.4014% | 5,253 |
| Assets per employee ($millions) | 3.3821% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7640% | 855 |
| Loan loss allowance to noncurrent loans | 70.6872% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 2.0296% | 2,302 |
| Noncurrent loans to loans | 3.9102% | 1,167 |
| Net loans and leases to total assets | 37.4460% | 6,187 |
| Net loans and leases to deposits | 41.9181% | 6,323 |
| Net loans and leases to core deposits | 43.4443% | 6,339 |
| Total domestic deposits to total assets | 89.3315% | 1,468 |
| Equity capital to assets | 10.3919% | 3,678 |
| Core capital (leverage) ratio | 10.4919% | 2,787 |
| Tier 1 risk-based capital ratio | 21.2411% | 1,479 |
| Total risk-based capital ratio | 22.5007% | 1,454 |
| Memoranda: | ||
| Average total assets | $92,078,000 | 5,051 |
| Average earning assets | $85,837,000 | 4,989 |
| Average equity | $9,573,000 | 5,098 |
| Average total loans | $37,851,500 | 5,549 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7289% | 5,998 |
| Cost of funding earning assets | 0.3895% | 5,983 |
| Net interest margin | 3.3394% | 5,106 |
| Noninterest income to average assets | 0.9531% | 1,689 |
| Noninterest expense to average assets | 3.4241% | 2,001 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6056% | 4,214 |
| Return on assets (ROA) | 0.6927% | 4,034 |
| Pretax return on assets | 0.6927% | 4,688 |
| Return on Equity (ROE) | 6.9234% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.9234% | 1,606 |
| Net charge-offs to loans | -0.0682% | 6,765 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9719% | 1,517 |
| Assets per employee ($millions) | 3.3132% | 5,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6864% | 934 |
| Loan loss allowance to noncurrent loans | 80.4580% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 2.0188% | 2,430 |
| Noncurrent loans to loans | 3.3389% | 1,529 |
| Net loans and leases to total assets | 42.6797% | 5,932 |
| Net loans and leases to deposits | 47.7799% | 6,122 |
| Net loans and leases to core deposits | 49.4348% | 6,178 |
| Total domestic deposits to total assets | 89.3256% | 1,349 |
| Equity capital to assets | 10.4016% | 3,640 |
| Core capital (leverage) ratio | 10.0598% | 3,330 |
| Tier 1 risk-based capital ratio | 19.6774% | 1,761 |
| Total risk-based capital ratio | 20.9390% | 1,730 |
| Memoranda: | ||
| Average total assets | $88,343,800 | 5,129 |
| Average earning assets | $81,391,200 | 5,092 |
| Average equity | $8,839,600 | 5,264 |
| Average total loans | $38,140,800 | 5,583 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6848% | 6,245 |
| Cost of funding earning assets | 0.3953% | 6,145 |
| Net interest margin | 3.2895% | 5,428 |
| Noninterest income to average assets | 0.9705% | 1,596 |
| Noninterest expense to average assets | 3.3732% | 2,074 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6207% | 4,295 |
| Return on assets (ROA) | 0.7373% | 4,002 |
| Pretax return on assets | 0.7373% | 4,714 |
| Return on Equity (ROE) | 7.4436% | 3,561 |
| Retained earnings to average equity (ytd only) | 7.4436% | 1,875 |
| Net charge-offs to loans | 0.0211% | 5,371 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 68.3313% | 595 |
| Efficiency ratio | 84.4579% | 1,538 |
| Assets per employee ($millions) | 3.3071% | 5,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6992% | 983 |
| Loan loss allowance to noncurrent loans | 73.6842% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 2.1626% | 2,474 |
| Noncurrent loans to loans | 3.6632% | 1,465 |
| Net loans and leases to total assets | 41.2590% | 6,181 |
| Net loans and leases to deposits | 46.2153% | 6,368 |
| Net loans and leases to core deposits | 47.0235% | 6,471 |
| Total domestic deposits to total assets | 89.2756% | 1,259 |
| Equity capital to assets | 10.3178% | 4,059 |
| Core capital (leverage) ratio | 10.1088% | 3,397 |
| Tier 1 risk-based capital ratio | 19.6678% | 1,837 |
| Total risk-based capital ratio | 20.9301% | 1,809 |
| Memoranda: | ||
| Average total assets | $88,065,500 | 5,190 |
| Average earning assets | $80,943,250 | 5,147 |
| Average equity | $8,723,250 | 5,346 |
| Average total loans | $37,867,500 | 5,658 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6688% | 6,389 |
| Cost of funding earning assets | 0.3941% | 6,303 |
| Net interest margin | 3.2747% | 5,520 |
| Noninterest income to average assets | 1.0975% | 1,190 |
| Noninterest expense to average assets | 3.3905% | 2,053 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7027% | 3,853 |
| Return on assets (ROA) | 0.7872% | 3,697 |
| Pretax return on assets | 0.7872% | 4,517 |
| Return on Equity (ROE) | 8.0607% | 3,234 |
| Retained earnings to average equity (ytd only) | 8.0607% | 1,617 |
| Net charge-offs to loans | 0.0317% | 4,934 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 51.3333% | 713 |
| Efficiency ratio | 82.8317% | 1,771 |
| Assets per employee ($millions) | 3.3004% | 5,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5488% | 1,218 |
| Loan loss allowance to noncurrent loans | 126.3288% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 1.5273% | 3,411 |
| Noncurrent loans to loans | 2.0176% | 2,932 |
| Net loans and leases to total assets | 43.8504% | 6,026 |
| Net loans and leases to deposits | 48.7761% | 6,262 |
| Net loans and leases to core deposits | 49.4959% | 6,367 |
| Total domestic deposits to total assets | 89.9015% | 979 |
| Equity capital to assets | 9.8494% | 4,547 |
| Core capital (leverage) ratio | 9.8529% | 3,646 |
| Tier 1 risk-based capital ratio | 19.0328% | 1,958 |
| Total risk-based capital ratio | 20.2944% | 1,937 |
| Memoranda: | ||
| Average total assets | $87,656,670 | 5,235 |
| Average earning assets | $80,190,000 | 5,198 |
| Average equity | $8,560,000 | 5,397 |
| Average total loans | $37,869,000 | 5,693 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7255% | 6,396 |
| Cost of funding earning assets | 0.4004% | 6,411 |
| Net interest margin | 3.3251% | 5,389 |
| Noninterest income to average assets | 0.8743% | 1,854 |
| Noninterest expense to average assets | 3.0001% | 3,249 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8927% | 2,952 |
| Return on assets (ROA) | 1.0399% | 2,517 |
| Pretax return on assets | 1.0399% | 3,534 |
| Return on Equity (ROE) | 10.6963% | 2,140 |
| Retained earnings to average equity (ytd only) | 10.6963% | 1,111 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0686% | 2,639 |
| Assets per employee ($millions) | 3.0611% | 6,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8028% | 1,004 |
| Loan loss allowance to noncurrent loans | 841.8033% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.7401% | 5,066 |
| Noncurrent loans to loans | 0.3330% | 6,005 |
| Net loans and leases to total assets | 40.1201% | 6,340 |
| Net loans and leases to deposits | 44.4976% | 6,528 |
| Net loans and leases to core deposits | 44.9826% | 6,620 |
| Total domestic deposits to total assets | 90.1623% | 998 |
| Equity capital to assets | 9.6135% | 4,632 |
| Core capital (leverage) ratio | 9.8827% | 3,522 |
| Tier 1 risk-based capital ratio | 19.3375% | 1,888 |
| Total risk-based capital ratio | 20.6002% | 1,849 |
| Memoranda: | ||
| Average total assets | $86,929,000 | 5,293 |
| Average earning assets | $78,916,000 | 5,271 |
| Average equity | $8,451,500 | 5,450 |
| Average total loans | $36,754,500 | 5,789 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 6,425 |
| Cost of funding earning assets | 0.4400% | 6,769 |
| Net interest margin | 3.5752% | 4,825 |
| Noninterest income to average assets | 1.2237% | 876 |
| Noninterest expense to average assets | 3.8094% | 1,335 |
| Loan and lease loss provision to assets | 0.3582% | 2,859 |
| Net operating income to assets | 0.2648% | 5,386 |
| Return on assets (ROA) | -0.0248% | 6,184 |
| Pretax return on assets | -0.0248% | 6,155 |
| Return on Equity (ROE) | -0.2143% | 6,183 |
| Retained earnings to average equity (ytd only) | -0.2143% | 5,887 |
| Net charge-offs to loans | 0.6263% | 2,584 |
| Credit loss provision to net charge-offs | 111.8081% | 2,965 |
| Earnings coverage of net charge-offs (x) | 1.9446% | 4,318 |
| Efficiency ratio | 85.9429% | 1,570 |
| Assets per employee ($millions) | 3.0388% | 6,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7884% | 992 |
| Loan loss allowance to noncurrent loans | 4,112.0000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.6605% | 5,330 |
| Noncurrent loans to loans | 0.0678% | 6,645 |
| Net loans and leases to total assets | 42.1204% | 6,377 |
| Net loans and leases to deposits | 46.8282% | 6,578 |
| Net loans and leases to core deposits | 47.1733% | 6,684 |
| Total domestic deposits to total assets | 89.9468% | 1,022 |
| Equity capital to assets | 9.8358% | 4,391 |
| Core capital (leverage) ratio | 9.8353% | 3,536 |
| Tier 1 risk-based capital ratio | 19.2512% | 1,832 |
| Total risk-based capital ratio | 20.5152% | 1,797 |
| Memoranda: | ||
| Average total assets | $84,580,600 | 5,323 |
| Average earning assets | $75,912,200 | 5,347 |
| Average equity | $9,800,200 | 5,073 |
| Average total loans | $43,266,600 | 5,546 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0830% | 6,447 |
| Cost of funding earning assets | 0.4443% | 6,898 |
| Net interest margin | 3.6387% | 4,622 |
| Noninterest income to average assets | 1.3767% | 686 |
| Noninterest expense to average assets | 3.7637% | 1,375 |
| Loan and lease loss provision to assets | 0.4436% | 2,257 |
| Net operating income to assets | 0.4278% | 4,864 |
| Return on assets (ROA) | 0.4736% | 4,858 |
| Pretax return on assets | 0.4736% | 5,248 |
| Return on Equity (ROE) | 3.9377% | 5,024 |
| Retained earnings to average equity (ytd only) | 3.9377% | 3,922 |
| Net charge-offs to loans | 0.5557% | 2,569 |
| Credit loss provision to net charge-offs | 150.2674% | 2,080 |
| Earnings coverage of net charge-offs (x) | 2.9518% | 3,669 |
| Efficiency ratio | 81.1989% | 2,086 |
| Assets per employee ($millions) | 2.8313% | 6,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6968% | 1,134 |
| Loan loss allowance to noncurrent loans | 4,192.3077% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.7539% | 5,272 |
| Noncurrent loans to loans | 0.0643% | 6,766 |
| Net loans and leases to total assets | 47.8985% | 5,967 |
| Net loans and leases to deposits | 53.7510% | 6,232 |
| Net loans and leases to core deposits | 54.1641% | 6,451 |
| Total domestic deposits to total assets | 89.1118% | 1,363 |
| Equity capital to assets | 10.6544% | 3,513 |
| Core capital (leverage) ratio | 10.4457% | 2,940 |
| Tier 1 risk-based capital ratio | 18.6107% | 2,059 |
| Total risk-based capital ratio | 19.8747% | 2,010 |
| Memoranda: | ||
| Average total assets | $84,454,000 | 5,367 |
| Average earning assets | $75,628,500 | 5,399 |
| Average equity | $10,158,000 | 4,996 |
| Average total loans | $44,866,500 | 5,522 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0822% | 6,527 |
| Cost of funding earning assets | 0.4615% | 6,977 |
| Net interest margin | 3.6207% | 4,646 |
| Noninterest income to average assets | 1.4477% | 610 |
| Noninterest expense to average assets | 3.8129% | 1,331 |
| Loan and lease loss provision to assets | 0.6054% | 1,590 |
| Net operating income to assets | 0.3825% | 5,032 |
| Return on assets (ROA) | 0.4482% | 4,867 |
| Pretax return on assets | 0.3168% | 5,631 |
| Return on Equity (ROE) | 3.5943% | 5,115 |
| Retained earnings to average equity (ytd only) | 3.5943% | 3,948 |
| Net charge-offs to loans | 0.8112% | 1,880 |
| Credit loss provision to net charge-offs | 137.2340% | 2,225 |
| Earnings coverage of net charge-offs (x) | 1.9415% | 3,891 |
| Efficiency ratio | 81.6583% | 2,152 |
| Assets per employee ($millions) | 2.7579% | 6,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4263% | 1,552 |
| Loan loss allowance to noncurrent loans | 1,185.5556% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.6285% | 5,664 |
| Noncurrent loans to loans | 0.2047% | 6,500 |
| Net loans and leases to total assets | 51.8619% | 5,588 |
| Net loans and leases to deposits | 59.8127% | 5,744 |
| Net loans and leases to core deposits | 60.2815% | 6,067 |
| Total domestic deposits to total assets | 86.7073% | 2,922 |
| Equity capital to assets | 13.0123% | 1,508 |
| Core capital (leverage) ratio | 10.4890% | 2,724 |
| Tier 1 risk-based capital ratio | 16.9093% | 2,561 |
| Total risk-based capital ratio | 18.1699% | 2,525 |
| Memoranda: | ||
| Average total assets | $85,236,330 | 5,388 |
| Average earning assets | $75,840,670 | 5,439 |
| Average equity | $10,628,000 | 4,889 |
| Average total loans | $46,349,330 | 5,508 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9102% | 6,810 |
| Cost of funding earning assets | 0.4875% | 7,014 |
| Net interest margin | 3.4227% | 5,334 |
| Noninterest income to average assets | 1.5170% | 565 |
| Noninterest expense to average assets | 3.4826% | 2,050 |
| Loan and lease loss provision to assets | 0.1064% | 4,683 |
| Net operating income to assets | 0.7065% | 3,493 |
| Return on assets (ROA) | 0.6799% | 3,676 |
| Pretax return on assets | 0.9435% | 3,347 |
| Return on Equity (ROE) | 5.5687% | 4,128 |
| Retained earnings to average equity (ytd only) | 5.5687% | 2,871 |
| Net charge-offs to loans | 0.2524% | 3,073 |
| Credit loss provision to net charge-offs | 76.6667% | 3,224 |
| Earnings coverage of net charge-offs (x) | 7.8333% | 1,889 |
| Efficiency ratio | 76.2146% | 3,123 |
| Assets per employee ($millions) | 2.7263% | 6,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1490% | 2,079 |
| Loan loss allowance to noncurrent loans | 960.1942% | 394 |
| Noncurrent assets plus other real estate owned to assets | 1.2459% | 4,456 |
| Noncurrent loans to loans | 0.2238% | 6,532 |
| Net loans and leases to total assets | 53.2828% | 5,413 |
| Net loans and leases to deposits | 61.1441% | 5,602 |
| Net loans and leases to core deposits | 64.0241% | 5,725 |
| Total domestic deposits to total assets | 87.1431% | 2,860 |
| Equity capital to assets | 12.5741% | 1,585 |
| Core capital (leverage) ratio | 10.3175% | 2,784 |
| Tier 1 risk-based capital ratio | 16.0465% | 2,885 |
| Total risk-based capital ratio | 17.3029% | 2,859 |
| Memoranda: | ||
| Average total assets | $86,486,000 | 5,392 |
| Average earning assets | $77,131,000 | 5,443 |
| Average equity | $10,559,000 | 4,906 |
| Average total loans | $47,536,000 | 5,497 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5893% | 7,354 |
| Cost of funding earning assets | 0.5685% | 7,186 |
| Net interest margin | 3.0208% | 6,696 |
| Noninterest income to average assets | 1.8619% | 447 |
| Noninterest expense to average assets | 5.3866% | 323 |
| Loan and lease loss provision to assets | 1.1371% | 1,404 |
| Net operating income to assets | -1.0192% | 6,692 |
| Return on assets (ROA) | -1.3824% | 6,887 |
| Pretax return on assets | -2.5294% | 7,174 |
| Return on Equity (ROE) | -11.1660% | 6,780 |
| Retained earnings to average equity (ytd only) | -11.1660% | 6,722 |
| Net charge-offs to loans | 3.5000% | 405 |
| Credit loss provision to net charge-offs | 55.9524% | 6,159 |
| Earnings coverage of net charge-offs (x) | -0.4058% | 6,408 |
| Efficiency ratio | 118.0810% | 427 |
| Assets per employee ($millions) | 2.9486% | 6,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0305% | 2,223 |
| Loan loss allowance to noncurrent loans | 711.4286% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.8038% | 5,399 |
| Noncurrent loans to loans | 0.2854% | 6,484 |
| Net loans and leases to total assets | 54.3258% | 5,593 |
| Net loans and leases to deposits | 61.8357% | 5,859 |
| Net loans and leases to core deposits | 64.5762% | 6,011 |
| Total domestic deposits to total assets | 87.8551% | 2,338 |
| Equity capital to assets | 11.8600% | 1,996 |
| Core capital (leverage) ratio | 9.3679% | 3,898 |
| Tier 1 risk-based capital ratio | 15.8038% | 2,838 |
| Total risk-based capital ratio | 17.0646% | 2,800 |
| Memoranda: | ||
| Average total assets | $90,929,600 | 5,259 |
| Average earning assets | $81,269,400 | 5,298 |
| Average equity | $11,257,400 | 4,804 |
| Average total loans | $52,800,000 | 5,366 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6034% | 7,491 |
| Cost of funding earning assets | 0.5786% | 7,330 |
| Net interest margin | 3.0248% | 6,781 |
| Noninterest income to average assets | 2.0142% | 372 |
| Noninterest expense to average assets | 3.6483% | 1,676 |
| Loan and lease loss provision to assets | 1.1025% | 1,317 |
| Net operating income to assets | 0.1500% | 5,639 |
| Return on assets (ROA) | 0.1500% | 5,795 |
| Pretax return on assets | -0.0335% | 6,143 |
| Return on Equity (ROE) | 1.1995% | 5,849 |
| Retained earnings to average equity (ytd only) | 1.1995% | 5,337 |
| Net charge-offs to loans | 4.5579% | 216 |
| Credit loss provision to net charge-offs | 41.2085% | 6,001 |
| Earnings coverage of net charge-offs (x) | 0.3996% | 5,626 |
| Efficiency ratio | 77.3387% | 2,716 |
| Assets per employee ($millions) | 2.9048% | 6,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 4,463 |
| Loan loss allowance to noncurrent loans | 32.3725% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 3.3926% | 2,098 |
| Noncurrent loans to loans | 4.3228% | 1,685 |
| Net loans and leases to total assets | 57.1183% | 5,396 |
| Net loans and leases to deposits | 65.8427% | 5,683 |
| Net loans and leases to core deposits | 68.1574% | 5,922 |
| Total domestic deposits to total assets | 86.7496% | 2,666 |
| Equity capital to assets | 12.8851% | 1,637 |
| Core capital (leverage) ratio | 11.8042% | 1,762 |
| Tier 1 risk-based capital ratio | 18.6401% | 1,835 |
| Total risk-based capital ratio | 19.8913% | 1,802 |
| Memoranda: | ||
| Average total assets | $91,547,750 | 5,309 |
| Average earning assets | $81,809,250 | 5,349 |
| Average equity | $11,449,000 | 4,826 |
| Average total loans | $53,737,250 | 5,403 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5252% | 7,603 |
| Cost of funding earning assets | 0.6054% | 7,396 |
| Net interest margin | 2.9198% | 6,985 |
| Noninterest income to average assets | 1.4884% | 578 |
| Noninterest expense to average assets | 3.5308% | 1,957 |
| Loan and lease loss provision to assets | 1.5948% | 822 |
| Net operating income to assets | -0.4324% | 6,599 |
| Return on assets (ROA) | -0.4324% | 6,632 |
| Pretax return on assets | -1.0386% | 6,906 |
| Return on Equity (ROE) | -3.4919% | 6,565 |
| Retained earnings to average equity (ytd only) | -3.4919% | 6,366 |
| Net charge-offs to loans | 6.7709% | 94 |
| Credit loss provision to net charge-offs | 39.9565% | 5,616 |
| Earnings coverage of net charge-offs (x) | 0.1394% | 5,583 |
| Efficiency ratio | 86.3902% | 1,665 |
| Assets per employee ($millions) | 2.8158% | 6,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 5,033 |
| Loan loss allowance to noncurrent loans | 23.4962% | 6,760 |
| Noncurrent assets plus other real estate owned to assets | 4.0386% | 1,707 |
| Noncurrent loans to loans | 5.4469% | 1,215 |
| Net loans and leases to total assets | 60.5238% | 4,959 |
| Net loans and leases to deposits | 69.2869% | 5,377 |
| Net loans and leases to core deposits | 71.6915% | 5,706 |
| Total domestic deposits to total assets | 87.3525% | 2,352 |
| Equity capital to assets | 12.2479% | 1,951 |
| Core capital (leverage) ratio | 11.7010% | 1,805 |
| Tier 1 risk-based capital ratio | 17.3855% | 2,138 |
| Total risk-based capital ratio | 18.5901% | 2,118 |
| Memoranda: | ||
| Average total assets | $92,047,000 | 5,316 |
| Average earning assets | $81,923,330 | 5,370 |
| Average equity | $11,397,670 | 4,836 |
| Average total loans | $54,261,330 | 5,410 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4547% | 7,719 |
| Cost of funding earning assets | 0.6185% | 7,509 |
| Net interest margin | 2.8362% | 7,128 |
| Noninterest income to average assets | 1.1224% | 996 |
| Noninterest expense to average assets | 3.5434% | 1,866 |
| Loan and lease loss provision to assets | 0.0989% | 5,646 |
| Net operating income to assets | 0.1118% | 5,992 |
| Return on assets (ROA) | 0.1118% | 6,099 |
| Pretax return on assets | 0.0043% | 6,343 |
| Return on Equity (ROE) | 0.8982% | 6,144 |
| Retained earnings to average equity (ytd only) | 0.8982% | 5,455 |
| Net charge-offs to loans | 0.2157% | 3,631 |
| Credit loss provision to net charge-offs | 79.3103% | 3,897 |
| Earnings coverage of net charge-offs (x) | 0.8276% | 4,306 |
| Efficiency ratio | 97.1698% | 961 |
| Assets per employee ($millions) | 3.0280% | 6,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3653% | 598 |
| Loan loss allowance to noncurrent loans | 38.7624% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 5.8168% | 1,042 |
| Noncurrent loans to loans | 8.6819% | 582 |
| Net loans and leases to total assets | 57.0255% | 5,603 |
| Net loans and leases to deposits | 65.6811% | 5,857 |
| Net loans and leases to core deposits | 67.9424% | 6,107 |
| Total domestic deposits to total assets | 86.8219% | 2,723 |
| Equity capital to assets | 12.7928% | 1,602 |
| Core capital (leverage) ratio | 12.1281% | 1,583 |
| Tier 1 risk-based capital ratio | 19.1706% | 1,679 |
| Total risk-based capital ratio | 20.4434% | 1,648 |
| Memoranda: | ||
| Average total assets | $93,018,000 | 5,349 |
| Average earning assets | $82,785,500 | 5,407 |
| Average equity | $11,578,500 | 4,822 |
| Average total loans | $53,771,000 | 5,502 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7748% | 7,767 |
| Cost of funding earning assets | 0.7777% | 7,588 |
| Net interest margin | 2.9972% | 6,654 |
| Noninterest income to average assets | 1.7683% | 475 |
| Noninterest expense to average assets | 4.0997% | 1,233 |
| Loan and lease loss provision to assets | 0.1014% | 6,617 |
| Net operating income to assets | 0.0880% | 5,243 |
| Return on assets (ROA) | 0.0924% | 5,270 |
| Pretax return on assets | 0.1611% | 5,086 |
| Return on Equity (ROE) | 0.7385% | 5,315 |
| Retained earnings to average equity (ytd only) | 0.7385% | 4,491 |
| Net charge-offs to loans | 0.1065% | 6,084 |
| Credit loss provision to net charge-offs | 155.1724% | 2,930 |
| Earnings coverage of net charge-offs (x) | 3.9138% | 3,144 |
| Efficiency ratio | 94.1298% | 1,407 |
| Assets per employee ($millions) | 3.1732% | 5,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3558% | 596 |
| Loan loss allowance to noncurrent loans | 38.9080% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 5.7628% | 997 |
| Noncurrent loans to loans | 8.6250% | 550 |
| Net loans and leases to total assets | 54.7565% | 6,113 |
| Net loans and leases to deposits | 62.5575% | 6,404 |
| Net loans and leases to core deposits | 67.7313% | 6,893 |
| Total domestic deposits to total assets | 87.5299% | 2,202 |
| Equity capital to assets | 12.1182% | 1,962 |
| Core capital (leverage) ratio | 12.1734% | 1,592 |
| Tier 1 risk-based capital ratio | 19.0287% | 1,651 |
| Total risk-based capital ratio | 20.3006% | 1,608 |
| Memoranda: | ||
| Average total assets | $88,786,800 | 5,427 |
| Average earning assets | $76,639,000 | 5,574 |
| Average equity | $11,104,200 | 4,994 |
| Average total loans | $54,472,800 | 5,484 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8760% | 7,844 |
| Cost of funding earning assets | 0.8280% | 7,657 |
| Net interest margin | 3.0480% | 6,467 |
| Noninterest income to average assets | 1.7480% | 478 |
| Noninterest expense to average assets | 4.1520% | 1,079 |
| Loan and lease loss provision to assets | 0.1040% | 6,333 |
| Net operating income to assets | 0.0079% | 5,695 |
| Return on assets (ROA) | 0.0138% | 5,730 |
| Pretax return on assets | 0.0963% | 5,535 |
| Return on Equity (ROE) | 0.1091% | 5,743 |
| Retained earnings to average equity (ytd only) | 0.1091% | 5,157 |
| Net charge-offs to loans | 0.1392% | 5,311 |
| Credit loss provision to net charge-offs | 119.2982% | 4,251 |
| Earnings coverage of net charge-offs (x) | 2.1929% | 4,178 |
| Efficiency ratio | 95.5986% | 1,297 |
| Assets per employee ($millions) | 2.9164% | 6,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4277% | 450 |
| Loan loss allowance to noncurrent loans | 38.0395% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 6.1034% | 870 |
| Noncurrent loans to loans | 9.0108% | 498 |
| Net loans and leases to total assets | 55.7517% | 6,169 |
| Net loans and leases to deposits | 63.8340% | 6,504 |
| Net loans and leases to core deposits | 69.6236% | 6,982 |
| Total domestic deposits to total assets | 87.3385% | 1,990 |
| Equity capital to assets | 12.2191% | 2,109 |
| Core capital (leverage) ratio | 12.8768% | 1,420 |
| Tier 1 risk-based capital ratio | 20.3363% | 1,494 |
| Total risk-based capital ratio | 21.6090% | 1,439 |
| Memoranda: | ||
| Average total assets | $87,184,500 | 5,512 |
| Average earning assets | $74,233,000 | 5,710 |
| Average equity | $10,996,250 | 5,074 |
| Average total loans | $54,607,000 | 5,536 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0220% | 7,902 |
| Cost of funding earning assets | 0.8842% | 7,714 |
| Net interest margin | 3.1378% | 6,134 |
| Noninterest income to average assets | 2.0323% | 362 |
| Noninterest expense to average assets | 3.9833% | 1,336 |
| Loan and lease loss provision to assets | 0.1045% | 6,120 |
| Net operating income to assets | 0.3186% | 4,816 |
| Return on assets (ROA) | 0.3275% | 4,894 |
| Pretax return on assets | 0.5714% | 4,403 |
| Return on Equity (ROE) | 2.5685% | 5,070 |
| Retained earnings to average equity (ytd only) | 2.5685% | 3,897 |
| Net charge-offs to loans | 0.2057% | 4,235 |
| Credit loss provision to net charge-offs | 78.9474% | 5,227 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,935 |
| Efficiency ratio | 85.7500% | 2,252 |
| Assets per employee ($millions) | 3.0508% | 5,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2224% | 478 |
| Loan loss allowance to noncurrent loans | 38.6518% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 6.0549% | 801 |
| Noncurrent loans to loans | 8.3370% | 511 |
| Net loans and leases to total assets | 59.9476% | 5,684 |
| Net loans and leases to deposits | 68.9934% | 6,093 |
| Net loans and leases to core deposits | 75.5215% | 6,704 |
| Total domestic deposits to total assets | 86.8888% | 2,312 |
| Equity capital to assets | 12.6048% | 1,876 |
| Core capital (leverage) ratio | 13.1099% | 1,396 |
| Tier 1 risk-based capital ratio | 20.4951% | 1,488 |
| Total risk-based capital ratio | 21.7669% | 1,445 |
| Memoranda: | ||
| Average total assets | $86,110,000 | 5,582 |
| Average earning assets | $71,705,670 | 5,835 |
| Average equity | $10,979,330 | 5,091 |
| Average total loans | $55,411,670 | 5,536 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2505% | 7,875 |
| Cost of funding earning assets | 0.9855% | 7,690 |
| Net interest margin | 3.2651% | 5,639 |
| Noninterest income to average assets | 2.1854% | 312 |
| Noninterest expense to average assets | 4.0929% | 1,074 |
| Loan and lease loss provision to assets | 0.1083% | 5,583 |
| Net operating income to assets | 0.3485% | 5,076 |
| Return on assets (ROA) | 0.3485% | 5,258 |
| Pretax return on assets | 0.5746% | 4,830 |
| Return on Equity (ROE) | 2.7173% | 5,487 |
| Retained earnings to average equity (ytd only) | 2.7173% | 4,375 |
| Net charge-offs to loans | 0.2728% | 3,029 |
| Credit loss provision to net charge-offs | 60.5263% | 4,508 |
| Earnings coverage of net charge-offs (x) | 3.8158% | 3,059 |
| Efficiency ratio | 85.7002% | 2,109 |
| Assets per employee ($millions) | 2.6723% | 6,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1131% | 437 |
| Loan loss allowance to noncurrent loans | 38.3929% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 6.5487% | 563 |
| Noncurrent loans to loans | 8.1086% | 439 |
| Net loans and leases to total assets | 68.4404% | 4,034 |
| Net loans and leases to deposits | 79.6909% | 4,666 |
| Net loans and leases to core deposits | 88.0296% | 5,734 |
| Total domestic deposits to total assets | 85.8823% | 2,783 |
| Equity capital to assets | 13.6063% | 1,493 |
| Core capital (leverage) ratio | 14.7891% | 1,009 |
| Tier 1 risk-based capital ratio | 19.0657% | 1,801 |
| Total risk-based capital ratio | 20.3354% | 1,758 |
| Memoranda: | ||
| Average total assets | $84,928,000 | 5,647 |
| Average earning assets | $67,380,000 | 5,994 |
| Average equity | $10,893,000 | 5,137 |
| Average total loans | $55,715,500 | 5,553 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3555% | 7,527 |
| Cost of funding earning assets | 1.2852% | 7,862 |
| Net interest margin | 4.0703% | 2,830 |
| Noninterest income to average assets | 1.2827% | 892 |
| Noninterest expense to average assets | 12.9403% | 92 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -4.8575% | 8,082 |
| Return on assets (ROA) | -4.8495% | 8,065 |
| Pretax return on assets | -8.1739% | 8,208 |
| Return on Equity (ROE) | -29.6356% | 7,951 |
| Retained earnings to average equity (ytd only) | -32.2785% | 7,949 |
| Net charge-offs to loans | 0.0715% | 5,743 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -179.8250% | 7,018 |
| Efficiency ratio | 272.2049% | 123 |
| Assets per employee ($millions) | 2.9896% | 6,077 |
| Cash dividends to net income (ytd only)* | -8.9181% | 7,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2445% | 352 |
| Loan loss allowance to noncurrent loans | 37.9104% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 5.7556% | 539 |
| Noncurrent loans to loans | 8.5584% | 303 |
| Net loans and leases to total assets | 59.1189% | 6,040 |
| Net loans and leases to deposits | 67.6543% | 6,492 |
| Net loans and leases to core deposits | 75.0818% | 6,911 |
| Total domestic deposits to total assets | 87.3839% | 1,763 |
| Equity capital to assets | 12.1288% | 2,208 |
| Core capital (leverage) ratio | 14.6890% | 1,091 |
| Tier 1 risk-based capital ratio | 18.4810% | 1,924 |
| Total risk-based capital ratio | 19.7450% | 1,865 |
| Memoranda: | ||
| Average total assets | $87,864,800 | 5,425 |
| Average earning assets | $74,932,800 | 5,628 |
| Average equity | $14,378,000 | 4,259 |
| Average total loans | $55,954,200 | 5,450 |