Home > The Citizens Bank > Performance and Condition Ratios
The Citizens Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1615% | 3,698 |
| Cost of funding earning assets | 0.9609% | 3,388 |
| Net interest margin | 3.2006% | 2,874 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.6975% | 4,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1370% | 1,813 |
| Return on assets (ROA) | 1.1370% | 1,793 |
| Pretax return on assets | 1.3950% | 1,648 |
| Return on Equity (ROE) | 14.0500% | 1,474 |
| Retained earnings to average equity (ytd only) | 5.5408% | 2,398 |
| Net charge-offs to loans | 0.0054% | 2,516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 784.0000% | 184 |
| Efficiency ratio | 54.8907% | 3,608 |
| Assets per employee ($millions) | 8.9292% | 1,010 |
| Cash dividends to net income (ytd only)* | 60.5634% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 1,034 |
| Loan loss allowance to noncurrent loans | 209.3985% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 2,070 |
| Noncurrent loans to loans | 0.7190% | 1,085 |
| Net loans and leases to total assets | 31.3900% | 4,267 |
| Net loans and leases to deposits | 34.4186% | 4,297 |
| Net loans and leases to core deposits | 37.4314% | 4,322 |
| Total domestic deposits to total assets | 91.2100% | 448 |
| Equity capital to assets | 8.4684% | 3,078 |
| Core capital (leverage) ratio | 12.9306% | 1,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3632% | 328 |
| Memoranda: | ||
| Average total assets | $112,399,200 | 3,724 |
| Average earning assets | $103,447,800 | 3,710 |
| Average equity | $9,096,200 | 3,814 |
| Average total loans | $37,173,200 | 4,036 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0771% | 3,697 |
| Cost of funding earning assets | 0.8443% | 3,416 |
| Net interest margin | 3.2328% | 2,842 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.5632% | 4,269 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2355% | 1,685 |
| Return on assets (ROA) | 1.2355% | 1,683 |
| Pretax return on assets | 1.5608% | 1,438 |
| Return on Equity (ROE) | 15.4500% | 1,361 |
| Retained earnings to average equity (ytd only) | 15.4531% | 512 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.0383% | 3,910 |
| Assets per employee ($millions) | 8.4206% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 1,026 |
| Loan loss allowance to noncurrent loans | 221.8254% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 2,109 |
| Noncurrent loans to loans | 0.6915% | 1,190 |
| Net loans and leases to total assets | 32.7800% | 4,270 |
| Net loans and leases to deposits | 35.5173% | 4,306 |
| Net loans and leases to core deposits | 38.8751% | 4,279 |
| Total domestic deposits to total assets | 92.3000% | 403 |
| Equity capital to assets | 7.3802% | 3,429 |
| Core capital (leverage) ratio | 13.6673% | 885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3659% | 306 |
| Memoranda: | ||
| Average total assets | $111,479,250 | 3,743 |
| Average earning assets | $102,652,000 | 3,730 |
| Average equity | $8,912,750 | 3,835 |
| Average total loans | $37,217,000 | 4,048 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9471% | 3,792 |
| Cost of funding earning assets | 0.7224% | 3,420 |
| Net interest margin | 3.2248% | 2,926 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.5515% | 4,294 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3286% | 1,498 |
| Return on assets (ROA) | 1.3286% | 1,481 |
| Pretax return on assets | 1.5943% | 1,424 |
| Return on Equity (ROE) | 16.2100% | 1,228 |
| Retained earnings to average equity (ytd only) | 16.2121% | 448 |
| Net charge-offs to loans | -0.0053% | 3,729 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.3197% | 3,983 |
| Assets per employee ($millions) | 8.6881% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6272% | 886 |
| Loan loss allowance to noncurrent loans | 282.8283% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 2,323 |
| Noncurrent loans to loans | 0.5753% | 1,302 |
| Net loans and leases to total assets | 29.9800% | 4,332 |
| Net loans and leases to deposits | 32.7272% | 4,360 |
| Net loans and leases to core deposits | 35.4287% | 4,337 |
| Total domestic deposits to total assets | 91.5900% | 488 |
| Equity capital to assets | 8.1491% | 3,121 |
| Core capital (leverage) ratio | 13.2550% | 951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1700% | 292 |
| Memoranda: | ||
| Average total assets | $112,149,667 | 3,746 |
| Average earning assets | $104,379,667 | 3,734 |
| Average equity | $9,190,667 | 3,827 |
| Average total loans | $37,474,333 | 4,053 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8146% | 3,831 |
| Cost of funding earning assets | 0.6033% | 3,374 |
| Net interest margin | 3.2113% | 3,089 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.4997% | 4,389 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6501% | 906 |
| Return on assets (ROA) | 1.6572% | 893 |
| Pretax return on assets | 1.6572% | 1,360 |
| Return on Equity (ROE) | 20.1700% | 744 |
| Retained earnings to average equity (ytd only) | 20.1655% | 367 |
| Net charge-offs to loans | -0.0308% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.6136% | 4,111 |
| Assets per employee ($millions) | 8.5192% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 1,431 |
| Loan loss allowance to noncurrent loans | 137.0732% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 1,394 |
| Noncurrent loans to loans | 1.0585% | 684 |
| Net loans and leases to total assets | 34.4700% | 4,251 |
| Net loans and leases to deposits | 37.8939% | 4,279 |
| Net loans and leases to core deposits | 40.8134% | 4,250 |
| Total domestic deposits to total assets | 90.9600% | 819 |
| Equity capital to assets | 8.7215% | 2,724 |
| Core capital (leverage) ratio | 12.9955% | 980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2148% | 343 |
| Memoranda: | ||
| Average total assets | $111,752,000 | 3,800 |
| Average earning assets | $104,756,000 | 3,774 |
| Average equity | $9,184,000 | 3,872 |
| Average total loans | $39,003,500 | 4,087 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0581% | 4,063 |
| Cost of funding earning assets | 0.4515% | 1,716 |
| Net interest margin | 2.6066% | 4,163 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 1.4966% | 4,429 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9260% | 2,862 |
| Return on assets (ROA) | 0.9260% | 2,803 |
| Pretax return on assets | 1.1128% | 2,724 |
| Return on Equity (ROE) | 10.6000% | 2,615 |
| Retained earnings to average equity (ytd only) | 3.0096% | 3,718 |
| Net charge-offs to loans | 0.0266% | 1,527 |
| Credit loss provision to net charge-offs | 90.9091% | 1,627 |
| Earnings coverage of net charge-offs (x) | 119.0000% | 891 |
| Efficiency ratio | 57.1662% | 3,446 |
| Assets per employee ($millions) | 8.6735% | 1,025 |
| Cash dividends to net income (ytd only)* | 71.6004% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 1,427 |
| Loan loss allowance to noncurrent loans | 155.7103% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 1,590 |
| Noncurrent loans to loans | 0.9141% | 813 |
| Net loans and leases to total assets | 34.3300% | 4,276 |
| Net loans and leases to deposits | 37.3305% | 4,312 |
| Net loans and leases to core deposits | 39.7944% | 4,282 |
| Total domestic deposits to total assets | 91.9700% | 649 |
| Equity capital to assets | 7.7238% | 3,236 |
| Core capital (leverage) ratio | 12.2302% | 1,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9496% | 374 |
| Memoranda: | ||
| Average total assets | $116,734,800 | 3,760 |
| Average earning assets | $111,408,200 | 3,708 |
| Average equity | $10,200,800 | 3,846 |
| Average total loans | $41,430,800 | 4,042 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8871% | 4,080 |
| Cost of funding earning assets | 0.4280% | 1,110 |
| Net interest margin | 2.4590% | 4,254 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 1.3556% | 4,549 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9943% | 2,493 |
| Return on assets (ROA) | 0.9943% | 2,467 |
| Pretax return on assets | 1.1201% | 2,658 |
| Return on Equity (ROE) | 11.0700% | 2,354 |
| Retained earnings to average equity (ytd only) | 11.0712% | 1,035 |
| Net charge-offs to loans | 0.0318% | 1,205 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 98.9000% | 956 |
| Efficiency ratio | 54.7575% | 3,750 |
| Assets per employee ($millions) | 8.7742% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 1,797 |
| Loan loss allowance to noncurrent loans | 208.3333% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 2,073 |
| Noncurrent loans to loans | 0.6490% | 1,255 |
| Net loans and leases to total assets | 35.1800% | 4,264 |
| Net loans and leases to deposits | 37.9836% | 4,304 |
| Net loans and leases to core deposits | 40.8571% | 4,255 |
| Total domestic deposits to total assets | 92.6200% | 680 |
| Equity capital to assets | 7.1670% | 3,424 |
| Core capital (leverage) ratio | 12.3918% | 1,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3959% | 369 |
| Memoranda: | ||
| Average total assets | $117,729,750 | 3,774 |
| Average earning assets | $112,453,250 | 3,724 |
| Average equity | $10,573,750 | 3,854 |
| Average total loans | $41,970,250 | 4,053 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7055% | 4,133 |
| Cost of funding earning assets | 0.4313% | 756 |
| Net interest margin | 2.2742% | 4,356 |
| Noninterest income to average assets | 0.1143% | 4,423 |
| Noninterest expense to average assets | 1.3535% | 4,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8138% | 2,908 |
| Return on assets (ROA) | 0.8138% | 2,878 |
| Pretax return on assets | 0.9332% | 2,953 |
| Return on Equity (ROE) | 8.5111% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.5111% | 1,436 |
| Net charge-offs to loans | 0.0283% | 1,158 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 92.5000% | 857 |
| Efficiency ratio | 59.1912% | 3,416 |
| Assets per employee ($millions) | 8.3647% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 2,038 |
| Loan loss allowance to noncurrent loans | 318.3908% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 2,679 |
| Noncurrent loans to loans | 0.4185% | 1,861 |
| Net loans and leases to total assets | 35.0281% | 4,292 |
| Net loans and leases to deposits | 38.1032% | 4,330 |
| Net loans and leases to core deposits | 41.3054% | 4,285 |
| Total domestic deposits to total assets | 91.9295% | 865 |
| Equity capital to assets | 7.8706% | 3,222 |
| Core capital (leverage) ratio | 11.6453% | 1,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4712% | 343 |
| Memoranda: | ||
| Average total assets | $118,951,667 | 3,810 |
| Average earning assets | $113,621,333 | 3,770 |
| Average equity | $11,373,333 | 3,846 |
| Average total loans | $42,401,333 | 4,095 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5987% | 4,119 |
| Cost of funding earning assets | 0.4372% | 694 |
| Net interest margin | 2.1615% | 4,384 |
| Noninterest income to average assets | 0.1101% | 4,457 |
| Noninterest expense to average assets | 1.3214% | 4,603 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8309% | 2,553 |
| Return on assets (ROA) | 0.8309% | 2,549 |
| Pretax return on assets | 0.8509% | 2,935 |
| Return on Equity (ROE) | 7.9990% | 2,692 |
| Retained earnings to average equity (ytd only) | 7.9990% | 1,584 |
| Net charge-offs to loans | -0.0280% | 4,053 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8295% | 3,394 |
| Assets per employee ($millions) | 8.5307% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3624% | 2,059 |
| Loan loss allowance to noncurrent loans | 187.0432% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 2,138 |
| Noncurrent loans to loans | 0.7284% | 1,309 |
| Net loans and leases to total assets | 34.1296% | 4,304 |
| Net loans and leases to deposits | 37.7900% | 4,329 |
| Net loans and leases to core deposits | 40.8202% | 4,286 |
| Total domestic deposits to total assets | 90.3140% | 1,378 |
| Equity capital to assets | 9.4918% | 2,288 |
| Core capital (leverage) ratio | 11.2710% | 1,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7177% | 346 |
| Memoranda: | ||
| Average total assets | $119,874,500 | 3,823 |
| Average earning assets | $114,367,000 | 3,781 |
| Average equity | $12,451,500 | 3,819 |
| Average total loans | $42,815,000 | 4,106 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7220% | 4,291 |
| Cost of funding earning assets | 0.5246% | 816 |
| Net interest margin | 2.1975% | 4,489 |
| Noninterest income to average assets | 0.1144% | 4,549 |
| Noninterest expense to average assets | 1.4004% | 4,623 |
| Loan and lease loss provision to assets | 0.0213% | 2,645 |
| Net operating income to assets | 0.6622% | 3,713 |
| Return on assets (ROA) | 0.6643% | 3,767 |
| Pretax return on assets | 0.8163% | 3,691 |
| Return on Equity (ROE) | 5.4503% | 3,895 |
| Retained earnings to average equity (ytd only) | 0.4834% | 4,378 |
| Net charge-offs to loans | 0.0304% | 1,630 |
| Credit loss provision to net charge-offs | 192.3077% | 1,328 |
| Earnings coverage of net charge-offs (x) | 75.2308% | 1,031 |
| Efficiency ratio | 62.6432% | 2,771 |
| Assets per employee ($millions) | 8.5942% | 1,050 |
| Cash dividends to net income (ytd only)* | 91.1311% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 2,541 |
| Loan loss allowance to noncurrent loans | 339.3939% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 2,982 |
| Noncurrent loans to loans | 0.3724% | 2,251 |
| Net loans and leases to total assets | 36.3583% | 4,267 |
| Net loans and leases to deposits | 41.0699% | 4,304 |
| Net loans and leases to core deposits | 44.1157% | 4,263 |
| Total domestic deposits to total assets | 88.5280% | 1,776 |
| Equity capital to assets | 11.2759% | 1,621 |
| Core capital (leverage) ratio | 11.1608% | 1,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2079% | 390 |
| Memoranda: | ||
| Average total assets | $117,112,600 | 3,830 |
| Average earning assets | $113,040,000 | 3,777 |
| Average equity | $14,274,400 | 3,708 |
| Average total loans | $42,741,200 | 4,135 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7506% | 4,359 |
| Cost of funding earning assets | 0.5305% | 911 |
| Net interest margin | 2.2201% | 4,557 |
| Noninterest income to average assets | 0.1181% | 4,589 |
| Noninterest expense to average assets | 1.3171% | 4,741 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8634% | 3,341 |
| Return on assets (ROA) | 0.8655% | 3,406 |
| Pretax return on assets | 0.9572% | 3,570 |
| Return on Equity (ROE) | 6.9658% | 3,675 |
| Retained earnings to average equity (ytd only) | 6.9658% | 2,434 |
| Net charge-offs to loans | 0.0063% | 2,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 416.5000% | 345 |
| Efficiency ratio | 57.9717% | 3,265 |
| Assets per employee ($millions) | 8.4788% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 2,460 |
| Loan loss allowance to noncurrent loans | 182.6087% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 2,513 |
| Noncurrent loans to loans | 0.7145% | 1,557 |
| Net loans and leases to total assets | 34.7936% | 4,436 |
| Net loans and leases to deposits | 39.8082% | 4,455 |
| Net loans and leases to core deposits | 43.0362% | 4,412 |
| Total domestic deposits to total assets | 87.4030% | 2,155 |
| Equity capital to assets | 12.3982% | 1,222 |
| Core capital (leverage) ratio | 11.9194% | 1,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9889% | 343 |
| Memoranda: | ||
| Average total assets | $116,311,000 | 3,887 |
| Average earning assets | $112,844,500 | 3,815 |
| Average equity | $14,451,250 | 3,743 |
| Average total loans | $42,350,000 | 4,193 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8690% | 4,263 |
| Cost of funding earning assets | 0.5481% | 951 |
| Net interest margin | 2.3209% | 4,497 |
| Noninterest income to average assets | 0.1160% | 4,624 |
| Noninterest expense to average assets | 1.3228% | 4,777 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9991% | 2,884 |
| Return on assets (ROA) | 1.0007% | 2,962 |
| Pretax return on assets | 1.0458% | 3,341 |
| Return on Equity (ROE) | 8.0486% | 3,399 |
| Retained earnings to average equity (ytd only) | 8.0486% | 2,058 |
| Net charge-offs to loans | 0.0376% | 1,256 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 75.3750% | 863 |
| Efficiency ratio | 55.8888% | 3,554 |
| Assets per employee ($millions) | 9.0322% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 2,436 |
| Loan loss allowance to noncurrent loans | 295.0820% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 3,220 |
| Noncurrent loans to loans | 0.4407% | 2,350 |
| Net loans and leases to total assets | 34.9069% | 4,503 |
| Net loans and leases to deposits | 39.8776% | 4,525 |
| Net loans and leases to core deposits | 42.8452% | 4,493 |
| Total domestic deposits to total assets | 87.5351% | 2,078 |
| Equity capital to assets | 12.2962% | 1,221 |
| Core capital (leverage) ratio | 11.7081% | 1,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7854% | 312 |
| Memoranda: | ||
| Average total assets | $115,513,667 | 3,911 |
| Average earning assets | $112,025,000 | 3,836 |
| Average equity | $14,362,667 | 3,755 |
| Average total loans | $42,517,667 | 4,223 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8643% | 4,297 |
| Cost of funding earning assets | 0.5620% | 1,040 |
| Net interest margin | 2.3022% | 4,519 |
| Noninterest income to average assets | 0.1117% | 4,636 |
| Noninterest expense to average assets | 1.3338% | 4,799 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9638% | 2,918 |
| Return on assets (ROA) | 0.9672% | 3,008 |
| Pretax return on assets | 1.0126% | 3,339 |
| Return on Equity (ROE) | 7.7347% | 3,406 |
| Retained earnings to average equity (ytd only) | 7.7347% | 2,343 |
| Net charge-offs to loans | -0.0744% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9300% | 3,434 |
| Assets per employee ($millions) | 8.2481% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 2,284 |
| Loan loss allowance to noncurrent loans | 92.2056% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 1,814 |
| Noncurrent loans to loans | 1.4450% | 874 |
| Net loans and leases to total assets | 35.6568% | 4,519 |
| Net loans and leases to deposits | 40.7534% | 4,537 |
| Net loans and leases to core deposits | 43.8348% | 4,501 |
| Total domestic deposits to total assets | 87.4940% | 2,090 |
| Equity capital to assets | 12.2877% | 1,155 |
| Core capital (leverage) ratio | 12.0443% | 1,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4172% | 344 |
| Memoranda: | ||
| Average total assets | $114,561,500 | 3,923 |
| Average earning assets | $111,023,000 | 3,858 |
| Average equity | $14,325,000 | 3,763 |
| Average total loans | $43,013,000 | 4,233 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2603% | 4,382 |
| Cost of funding earning assets | 0.7631% | 1,382 |
| Net interest margin | 2.4972% | 4,597 |
| Noninterest income to average assets | 0.1378% | 4,601 |
| Noninterest expense to average assets | 1.4815% | 4,792 |
| Loan and lease loss provision to assets | 0.0708% | 3,497 |
| Net operating income to assets | 0.7836% | 3,156 |
| Return on assets (ROA) | 0.7851% | 3,271 |
| Pretax return on assets | 0.9899% | 3,076 |
| Return on Equity (ROE) | 5.7678% | 3,654 |
| Retained earnings to average equity (ytd only) | 0.6239% | 4,338 |
| Net charge-offs to loans | 0.1309% | 1,210 |
| Credit loss provision to net charge-offs | 131.5789% | 2,543 |
| Earnings coverage of net charge-offs (x) | 19.6842% | 1,967 |
| Efficiency ratio | 58.3210% | 3,680 |
| Assets per employee ($millions) | 8.1179% | 996 |
| Cash dividends to net income (ytd only)* | 89.1827% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 2,764 |
| Loan loss allowance to noncurrent loans | 231.2236% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 3,246 |
| Noncurrent loans to loans | 0.5350% | 2,372 |
| Net loans and leases to total assets | 38.4936% | 4,500 |
| Net loans and leases to deposits | 44.3188% | 4,521 |
| Net loans and leases to core deposits | 47.7437% | 4,490 |
| Total domestic deposits to total assets | 86.8561% | 2,007 |
| Equity capital to assets | 12.7242% | 1,217 |
| Core capital (leverage) ratio | 11.7685% | 1,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0749% | 385 |
| Memoranda: | ||
| Average total assets | $105,974,000 | 3,918 |
| Average earning assets | $101,952,400 | 3,871 |
| Average equity | $14,425,000 | 3,704 |
| Average total loans | $43,529,400 | 4,245 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4260% | 4,317 |
| Cost of funding earning assets | 0.7948% | 1,523 |
| Net interest margin | 2.6312% | 4,544 |
| Noninterest income to average assets | 0.1448% | 4,581 |
| Noninterest expense to average assets | 1.3877% | 4,869 |
| Loan and lease loss provision to assets | 0.0961% | 3,117 |
| Net operating income to assets | 0.9398% | 2,566 |
| Return on assets (ROA) | 0.9418% | 2,685 |
| Pretax return on assets | 1.1916% | 2,417 |
| Return on Equity (ROE) | 6.7978% | 3,274 |
| Retained earnings to average equity (ytd only) | 6.7978% | 1,780 |
| Net charge-offs to loans | 0.1846% | 811 |
| Credit loss provision to net charge-offs | 125.0000% | 2,470 |
| Earnings coverage of net charge-offs (x) | 16.7167% | 2,048 |
| Efficiency ratio | 51.9175% | 4,353 |
| Assets per employee ($millions) | 8.1941% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 2,537 |
| Loan loss allowance to noncurrent loans | 163.6637% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 3,000 |
| Noncurrent loans to loans | 0.7480% | 1,932 |
| Net loans and leases to total assets | 38.3317% | 4,611 |
| Net loans and leases to deposits | 45.6763% | 4,614 |
| Net loans and leases to core deposits | 49.1934% | 4,601 |
| Total domestic deposits to total assets | 83.9204% | 2,844 |
| Equity capital to assets | 13.2134% | 1,102 |
| Core capital (leverage) ratio | 12.4190% | 1,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3471% | 356 |
| Memoranda: | ||
| Average total assets | $104,055,000 | 3,939 |
| Average earning assets | $99,977,750 | 3,892 |
| Average equity | $14,416,000 | 3,707 |
| Average total loans | $43,337,750 | 4,272 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6432% | 4,187 |
| Cost of funding earning assets | 0.8396% | 1,633 |
| Net interest margin | 2.8035% | 4,444 |
| Noninterest income to average assets | 0.1552% | 4,520 |
| Noninterest expense to average assets | 1.4288% | 4,887 |
| Loan and lease loss provision to assets | 0.1493% | 2,514 |
| Net operating income to assets | 1.0153% | 2,266 |
| Return on assets (ROA) | 1.0169% | 2,392 |
| Pretax return on assets | 1.2637% | 2,143 |
| Return on Equity (ROE) | 7.2131% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.2131% | 1,562 |
| Net charge-offs to loans | 0.1723% | 865 |
| Credit loss provision to net charge-offs | 202.7027% | 1,898 |
| Earnings coverage of net charge-offs (x) | 19.1622% | 1,738 |
| Efficiency ratio | 50.3153% | 4,485 |
| Assets per employee ($millions) | 8.0024% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 2,224 |
| Loan loss allowance to noncurrent loans | 212.7341% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 3,371 |
| Noncurrent loans to loans | 0.5904% | 2,388 |
| Net loans and leases to total assets | 39.8602% | 4,614 |
| Net loans and leases to deposits | 47.6082% | 4,605 |
| Net loans and leases to core deposits | 51.5134% | 4,583 |
| Total domestic deposits to total assets | 83.7255% | 2,840 |
| Equity capital to assets | 13.3504% | 1,018 |
| Core capital (leverage) ratio | 13.4222% | 895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1817% | 360 |
| Memoranda: | ||
| Average total assets | $100,501,000 | 3,984 |
| Average earning assets | $96,235,333 | 3,937 |
| Average equity | $14,168,667 | 3,742 |
| Average total loans | $42,944,333 | 4,293 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8159% | 4,200 |
| Cost of funding earning assets | 0.8840% | 1,952 |
| Net interest margin | 2.9319% | 4,381 |
| Noninterest income to average assets | 0.1942% | 4,382 |
| Noninterest expense to average assets | 1.4651% | 4,937 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4398% | 906 |
| Return on assets (ROA) | 1.4398% | 978 |
| Pretax return on assets | 1.5158% | 1,265 |
| Return on Equity (ROE) | 9.9024% | 1,778 |
| Retained earnings to average equity (ytd only) | 9.9024% | 761 |
| Net charge-offs to loans | 0.0861% | 1,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 39.8889% | 1,029 |
| Efficiency ratio | 49.1501% | 4,705 |
| Assets per employee ($millions) | 6.7466% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 2,336 |
| Loan loss allowance to noncurrent loans | 162.6168% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 3,085 |
| Noncurrent loans to loans | 0.7751% | 2,060 |
| Net loans and leases to total assets | 43.2939% | 4,535 |
| Net loans and leases to deposits | 52.7707% | 4,496 |
| Net loans and leases to core deposits | 57.6732% | 4,446 |
| Total domestic deposits to total assets | 82.0417% | 3,414 |
| Equity capital to assets | 14.6932% | 840 |
| Core capital (leverage) ratio | 14.4504% | 806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8834% | 334 |
| Memoranda: | ||
| Average total assets | $94,734,500 | 4,067 |
| Average earning assets | $90,043,500 | 4,025 |
| Average equity | $13,774,500 | 3,801 |
| Average total loans | $41,804,000 | 4,333 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0636% | 4,120 |
| Cost of funding earning assets | 0.8590% | 2,385 |
| Net interest margin | 3.2047% | 4,174 |
| Noninterest income to average assets | 0.1740% | 4,618 |
| Noninterest expense to average assets | 1.6884% | 4,885 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1875% | 2,103 |
| Return on assets (ROA) | 1.1875% | 2,201 |
| Pretax return on assets | 1.4680% | 1,907 |
| Return on Equity (ROE) | 8.3159% | 3,034 |
| Retained earnings to average equity (ytd only) | 2.3633% | 3,842 |
| Net charge-offs to loans | -0.0401% | 4,780 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4915% | 4,471 |
| Assets per employee ($millions) | 6.7869% | 1,133 |
| Cash dividends to net income (ytd only)* | 71.5808% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 2,136 |
| Loan loss allowance to noncurrent loans | 75.7143% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.7367% | 1,761 |
| Noncurrent loans to loans | 1.6590% | 836 |
| Net loans and leases to total assets | 43.8490% | 4,607 |
| Net loans and leases to deposits | 53.2372% | 4,563 |
| Net loans and leases to core deposits | 58.1112% | 4,519 |
| Total domestic deposits to total assets | 82.3653% | 3,408 |
| Equity capital to assets | 14.3880% | 969 |
| Core capital (leverage) ratio | 13.8577% | 964 |
| Tier 1 risk-based capital ratio | 25.6172% | 706 |
| Total risk-based capital ratio | 26.6345% | 708 |
| Memoranda: | ||
| Average total assets | $94,821,600 | 4,078 |
| Average earning assets | $88,246,000 | 4,062 |
| Average equity | $13,540,400 | 3,813 |
| Average total loans | $42,430,400 | 4,355 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1034% | 4,147 |
| Cost of funding earning assets | 0.8316% | 2,559 |
| Net interest margin | 3.2718% | 4,143 |
| Noninterest income to average assets | 0.1730% | 4,677 |
| Noninterest expense to average assets | 1.5011% | 5,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3928% | 1,495 |
| Return on assets (ROA) | 1.3928% | 1,562 |
| Pretax return on assets | 1.7107% | 1,313 |
| Return on Equity (ROE) | 9.7719% | 2,526 |
| Retained earnings to average equity (ytd only) | 9.7719% | 806 |
| Net charge-offs to loans | -0.0471% | 4,821 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7367% | 4,906 |
| Assets per employee ($millions) | 6.8824% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 2,106 |
| Loan loss allowance to noncurrent loans | 228.0172% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.2408% | 3,606 |
| Noncurrent loans to loans | 0.5578% | 2,621 |
| Net loans and leases to total assets | 42.6158% | 4,740 |
| Net loans and leases to deposits | 52.0497% | 4,705 |
| Net loans and leases to core deposits | 56.7704% | 4,665 |
| Total domestic deposits to total assets | 81.8752% | 3,504 |
| Equity capital to assets | 14.9169% | 865 |
| Core capital (leverage) ratio | 14.7635% | 798 |
| Tier 1 risk-based capital ratio | 27.0424% | 638 |
| Total risk-based capital ratio | 28.0631% | 646 |
| Memoranda: | ||
| Average total assets | $94,772,750 | 4,123 |
| Average earning assets | $88,022,250 | 4,119 |
| Average equity | $13,507,750 | 3,855 |
| Average total loans | $42,489,500 | 4,405 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 4,155 |
| Cost of funding earning assets | 0.7949% | 2,668 |
| Net interest margin | 3.3067% | 4,126 |
| Noninterest income to average assets | 0.1698% | 4,734 |
| Noninterest expense to average assets | 1.4897% | 5,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4558% | 1,280 |
| Return on assets (ROA) | 1.4558% | 1,334 |
| Pretax return on assets | 1.7698% | 1,119 |
| Return on Equity (ROE) | 10.3787% | 2,223 |
| Retained earnings to average equity (ytd only) | 10.3787% | 658 |
| Net charge-offs to loans | -0.1075% | 5,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7031% | 5,002 |
| Assets per employee ($millions) | 6.7851% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 2,094 |
| Loan loss allowance to noncurrent loans | 237.6106% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 3,618 |
| Noncurrent loans to loans | 0.5388% | 2,656 |
| Net loans and leases to total assets | 43.5915% | 4,738 |
| Net loans and leases to deposits | 53.2127% | 4,710 |
| Net loans and leases to core deposits | 56.8175% | 4,687 |
| Total domestic deposits to total assets | 81.9193% | 3,534 |
| Equity capital to assets | 14.8677% | 852 |
| Core capital (leverage) ratio | 14.6187% | 793 |
| Tier 1 risk-based capital ratio | 26.4502% | 661 |
| Total risk-based capital ratio | 27.4862% | 657 |
| Memoranda: | ||
| Average total assets | $94,245,670 | 4,157 |
| Average earning assets | $88,063,000 | 4,147 |
| Average equity | $13,219,330 | 3,901 |
| Average total loans | $42,789,000 | 4,428 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1221% | 4,068 |
| Cost of funding earning assets | 0.7706% | 2,684 |
| Net interest margin | 3.3515% | 4,031 |
| Noninterest income to average assets | 0.1534% | 4,824 |
| Noninterest expense to average assets | 1.4871% | 5,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7087% | 718 |
| Return on assets (ROA) | 1.7087% | 743 |
| Pretax return on assets | 1.7982% | 980 |
| Return on Equity (ROE) | 12.5631% | 1,365 |
| Retained earnings to average equity (ytd only) | 12.5631% | 533 |
| Net charge-offs to loans | -0.2592% | 5,201 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2659% | 5,056 |
| Assets per employee ($millions) | 6.7379% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 2,209 |
| Loan loss allowance to noncurrent loans | 209.2664% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 3,510 |
| Noncurrent loans to loans | 0.6096% | 2,508 |
| Net loans and leases to total assets | 44.4658% | 4,727 |
| Net loans and leases to deposits | 53.7412% | 4,684 |
| Net loans and leases to core deposits | 57.3568% | 4,661 |
| Total domestic deposits to total assets | 82.7406% | 3,488 |
| Equity capital to assets | 13.9774% | 1,044 |
| Core capital (leverage) ratio | 14.4110% | 840 |
| Tier 1 risk-based capital ratio | 25.5335% | 724 |
| Total risk-based capital ratio | 26.5642% | 717 |
| Memoranda: | ||
| Average total assets | $93,873,000 | 4,201 |
| Average earning assets | $87,721,500 | 4,187 |
| Average equity | $12,767,500 | 3,976 |
| Average total loans | $43,211,000 | 4,454 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9784% | 4,083 |
| Cost of funding earning assets | 0.6113% | 2,639 |
| Net interest margin | 3.3671% | 4,084 |
| Noninterest income to average assets | 0.1918% | 4,756 |
| Noninterest expense to average assets | 1.6264% | 5,154 |
| Loan and lease loss provision to assets | 0.0210% | 3,743 |
| Net operating income to assets | 1.3576% | 1,585 |
| Return on assets (ROA) | 1.3550% | 1,586 |
| Pretax return on assets | 1.6757% | 1,227 |
| Return on Equity (ROE) | 10.3859% | 2,353 |
| Retained earnings to average equity (ytd only) | 3.9118% | 3,427 |
| Net charge-offs to loans | 0.0160% | 3,148 |
| Credit loss provision to net charge-offs | 285.7143% | 1,066 |
| Earnings coverage of net charge-offs (x) | 231.7143% | 406 |
| Efficiency ratio | 48.8973% | 5,002 |
| Assets per employee ($millions) | 6.6725% | 1,130 |
| Cash dividends to net income (ytd only)* | 62.3357% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 2,724 |
| Loan loss allowance to noncurrent loans | 190.3704% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 3,424 |
| Noncurrent loans to loans | 0.6145% | 2,443 |
| Net loans and leases to total assets | 46.4818% | 4,717 |
| Net loans and leases to deposits | 55.6822% | 4,678 |
| Net loans and leases to core deposits | 59.3832% | 4,656 |
| Total domestic deposits to total assets | 83.4770% | 3,165 |
| Equity capital to assets | 13.2206% | 1,245 |
| Core capital (leverage) ratio | 13.8383% | 974 |
| Tier 1 risk-based capital ratio | 24.2700% | 801 |
| Total risk-based capital ratio | 25.2278% | 812 |
| Memoranda: | ||
| Average total assets | $95,423,000 | 4,174 |
| Average earning assets | $88,829,000 | 4,170 |
| Average equity | $12,449,600 | 3,968 |
| Average total loans | $43,687,400 | 4,457 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8791% | 4,259 |
| Cost of funding earning assets | 0.5830% | 2,603 |
| Net interest margin | 3.2960% | 4,286 |
| Noninterest income to average assets | 0.1960% | 4,802 |
| Noninterest expense to average assets | 1.4289% | 5,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6381% | 869 |
| Return on assets (ROA) | 1.6332% | 892 |
| Pretax return on assets | 1.8653% | 869 |
| Return on Equity (ROE) | 12.5587% | 1,590 |
| Retained earnings to average equity (ytd only) | 12.5587% | 409 |
| Net charge-offs to loans | -0.0092% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3024% | 5,241 |
| Assets per employee ($millions) | 7.3374% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 2,816 |
| Loan loss allowance to noncurrent loans | 132.6316% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 3,092 |
| Noncurrent loans to loans | 0.8790% | 1,942 |
| Net loans and leases to total assets | 44.7927% | 4,849 |
| Net loans and leases to deposits | 53.5568% | 4,836 |
| Net loans and leases to core deposits | 57.6444% | 4,800 |
| Total domestic deposits to total assets | 83.6360% | 3,066 |
| Equity capital to assets | 13.2105% | 1,252 |
| Core capital (leverage) ratio | 14.3284% | 857 |
| Tier 1 risk-based capital ratio | 25.4597% | 711 |
| Total risk-based capital ratio | 26.3911% | 724 |
| Memoranda: | ||
| Average total assets | $95,925,000 | 4,212 |
| Average earning assets | $90,328,250 | 4,182 |
| Average equity | $12,474,500 | 3,989 |
| Average total loans | $43,625,500 | 4,509 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8150% | 4,309 |
| Cost of funding earning assets | 0.5635% | 2,488 |
| Net interest margin | 3.2516% | 4,378 |
| Noninterest income to average assets | 0.1998% | 4,820 |
| Noninterest expense to average assets | 1.4297% | 5,380 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6591% | 787 |
| Return on assets (ROA) | 1.6628% | 791 |
| Pretax return on assets | 1.8605% | 862 |
| Return on Equity (ROE) | 12.8536% | 1,420 |
| Retained earnings to average equity (ytd only) | 12.8536% | 401 |
| Net charge-offs to loans | -0.0731% | 5,055 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5085% | 5,299 |
| Assets per employee ($millions) | 6.9323% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 2,672 |
| Loan loss allowance to noncurrent loans | 99.0421% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 2,615 |
| Noncurrent loans to loans | 1.2184% | 1,423 |
| Net loans and leases to total assets | 43.6117% | 4,924 |
| Net loans and leases to deposits | 51.9197% | 4,918 |
| Net loans and leases to core deposits | 56.2621% | 4,856 |
| Total domestic deposits to total assets | 83.9983% | 3,069 |
| Equity capital to assets | 12.9096% | 1,340 |
| Core capital (leverage) ratio | 13.9272% | 923 |
| Tier 1 risk-based capital ratio | 24.9460% | 739 |
| Total risk-based capital ratio | 25.9083% | 746 |
| Memoranda: | ||
| Average total assets | $96,104,670 | 4,243 |
| Average earning assets | $91,218,000 | 4,203 |
| Average equity | $12,432,330 | 4,021 |
| Average total loans | $43,757,330 | 4,549 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8143% | 4,174 |
| Cost of funding earning assets | 0.5646% | 2,283 |
| Net interest margin | 3.2497% | 4,315 |
| Noninterest income to average assets | 0.2217% | 4,684 |
| Noninterest expense to average assets | 1.4221% | 5,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8571% | 503 |
| Return on assets (ROA) | 1.8613% | 501 |
| Pretax return on assets | 1.8613% | 798 |
| Return on Equity (ROE) | 14.3734% | 934 |
| Retained earnings to average equity (ytd only) | 14.3734% | 379 |
| Net charge-offs to loans | -0.1719% | 5,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3673% | 5,361 |
| Assets per employee ($millions) | 7.9877% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 2,839 |
| Loan loss allowance to noncurrent loans | 89.5009% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.6061% | 2,492 |
| Noncurrent loans to loans | 1.3339% | 1,335 |
| Net loans and leases to total assets | 44.9005% | 4,853 |
| Net loans and leases to deposits | 53.4341% | 4,825 |
| Net loans and leases to core deposits | 58.5416% | 4,722 |
| Total domestic deposits to total assets | 84.0295% | 3,319 |
| Equity capital to assets | 12.8333% | 1,325 |
| Core capital (leverage) ratio | 13.6066% | 977 |
| Tier 1 risk-based capital ratio | 23.8834% | 850 |
| Total risk-based capital ratio | 24.8352% | 864 |
| Memoranda: | ||
| Average total assets | $95,631,000 | 4,293 |
| Average earning assets | $89,976,500 | 4,269 |
| Average equity | $12,384,000 | 4,064 |
| Average total loans | $44,214,500 | 4,587 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7002% | 4,337 |
| Cost of funding earning assets | 0.5938% | 1,637 |
| Net interest margin | 3.1065% | 4,681 |
| Noninterest income to average assets | 0.1367% | 5,263 |
| Noninterest expense to average assets | 1.4764% | 5,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1576% | 1,654 |
| Return on assets (ROA) | 1.1611% | 1,672 |
| Pretax return on assets | 1.6140% | 1,256 |
| Return on Equity (ROE) | 9.1340% | 2,252 |
| Retained earnings to average equity (ytd only) | 2.8093% | 3,628 |
| Net charge-offs to loans | 0.7801% | 262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 4.7441% | 3,417 |
| Efficiency ratio | 47.8500% | 5,325 |
| Assets per employee ($millions) | 7.3392% | 833 |
| Cash dividends to net income (ytd only)* | 69.2440% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 3,261 |
| Loan loss allowance to noncurrent loans | 119.2857% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.4402% | 3,108 |
| Noncurrent loans to loans | 0.9360% | 1,905 |
| Net loans and leases to total assets | 46.5046% | 4,859 |
| Net loans and leases to deposits | 54.8319% | 4,859 |
| Net loans and leases to core deposits | 59.8357% | 4,765 |
| Total domestic deposits to total assets | 84.8129% | 2,907 |
| Equity capital to assets | 13.0668% | 1,233 |
| Core capital (leverage) ratio | 12.7831% | 1,224 |
| Tier 1 risk-based capital ratio | 22.8270% | 931 |
| Total risk-based capital ratio | 23.7344% | 945 |
| Memoranda: | ||
| Average total assets | $100,245,800 | 4,230 |
| Average earning assets | $95,156,800 | 4,176 |
| Average equity | $12,743,600 | 4,023 |
| Average total loans | $43,581,600 | 4,625 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6303% | 4,492 |
| Cost of funding earning assets | 0.5949% | 1,563 |
| Net interest margin | 3.0354% | 4,841 |
| Noninterest income to average assets | 0.1156% | 5,418 |
| Noninterest expense to average assets | 1.2721% | 5,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4189% | 1,052 |
| Return on assets (ROA) | 1.4233% | 1,068 |
| Pretax return on assets | 1.7189% | 1,076 |
| Return on Equity (ROE) | 11.2697% | 1,583 |
| Retained earnings to average equity (ytd only) | 11.2697% | 378 |
| Net charge-offs to loans | 1.0941% | 152 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 3.6732% | 3,311 |
| Efficiency ratio | 42.6056% | 5,523 |
| Assets per employee ($millions) | 7.9094% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 3,292 |
| Loan loss allowance to noncurrent loans | 109.2135% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 3,297 |
| Noncurrent loans to loans | 1.0374% | 1,864 |
| Net loans and leases to total assets | 41.2470% | 5,146 |
| Net loans and leases to deposits | 50.0372% | 5,124 |
| Net loans and leases to core deposits | 54.7098% | 5,051 |
| Total domestic deposits to total assets | 82.4327% | 3,651 |
| Equity capital to assets | 13.1470% | 1,313 |
| Core capital (leverage) ratio | 12.8364% | 1,273 |
| Tier 1 risk-based capital ratio | 24.0407% | 848 |
| Total risk-based capital ratio | 24.9373% | 864 |
| Memoranda: | ||
| Average total assets | $101,454,750 | 4,255 |
| Average earning assets | $95,931,000 | 4,207 |
| Average equity | $12,812,750 | 4,048 |
| Average total loans | $43,259,250 | 4,680 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 4,461 |
| Cost of funding earning assets | 0.6017% | 1,433 |
| Net interest margin | 3.0191% | 4,866 |
| Noninterest income to average assets | 0.1901% | 5,101 |
| Noninterest expense to average assets | 1.2792% | 5,680 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5101% | 846 |
| Return on assets (ROA) | 1.5168% | 858 |
| Pretax return on assets | 1.7901% | 865 |
| Return on Equity (ROE) | 12.1803% | 1,244 |
| Retained earnings to average equity (ytd only) | 12.1803% | 305 |
| Net charge-offs to loans | -0.7100% | 5,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7853% | 5,584 |
| Assets per employee ($millions) | 7.8064% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3819% | 333 |
| Loan loss allowance to noncurrent loans | 138.5794% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.8652% | 2,044 |
| Noncurrent loans to loans | 1.7188% | 1,057 |
| Net loans and leases to total assets | 40.1831% | 5,221 |
| Net loans and leases to deposits | 48.7501% | 5,180 |
| Net loans and leases to core deposits | 53.3568% | 5,109 |
| Total domestic deposits to total assets | 82.4266% | 3,761 |
| Equity capital to assets | 13.1155% | 1,319 |
| Core capital (leverage) ratio | 12.7815% | 1,263 |
| Tier 1 risk-based capital ratio | 24.7362% | 779 |
| Total risk-based capital ratio | 25.9949% | 757 |
| Memoranda: | ||
| Average total assets | $100,999,000 | 4,286 |
| Average earning assets | $96,053,670 | 4,233 |
| Average equity | $12,577,670 | 4,098 |
| Average total loans | $43,380,000 | 4,706 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6666% | 4,217 |
| Cost of funding earning assets | 0.6146% | 1,271 |
| Net interest margin | 3.0520% | 4,784 |
| Noninterest income to average assets | 0.2025% | 5,055 |
| Noninterest expense to average assets | 1.2744% | 5,748 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6644% | 591 |
| Return on assets (ROA) | 1.6753% | 594 |
| Pretax return on assets | 1.8182% | 762 |
| Return on Equity (ROE) | 13.8230% | 837 |
| Retained earnings to average equity (ytd only) | 13.8230% | 307 |
| Net charge-offs to loans | -1.5300% | 5,799 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3660% | 5,660 |
| Assets per employee ($millions) | 7.7998% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3724% | 364 |
| Loan loss allowance to noncurrent loans | 137.9781% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8797% | 2,101 |
| Noncurrent loans to loans | 1.7194% | 1,117 |
| Net loans and leases to total assets | 40.9900% | 5,209 |
| Net loans and leases to deposits | 49.2803% | 5,166 |
| Net loans and leases to core deposits | 53.8828% | 5,067 |
| Total domestic deposits to total assets | 83.1772% | 3,774 |
| Equity capital to assets | 12.3671% | 1,623 |
| Core capital (leverage) ratio | 12.5856% | 1,296 |
| Tier 1 risk-based capital ratio | 17.9672% | 1,891 |
| Total risk-based capital ratio | 19.2170% | 1,847 |
| Memoranda: | ||
| Average total assets | $100,757,000 | 4,334 |
| Average earning assets | $95,020,500 | 4,292 |
| Average equity | $12,211,500 | 4,182 |
| Average total loans | $44,183,000 | 4,720 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 3,902 |
| Cost of funding earning assets | 0.6724% | 942 |
| Net interest margin | 3.1313% | 4,639 |
| Noninterest income to average assets | 0.1948% | 5,242 |
| Noninterest expense to average assets | 1.5342% | 5,698 |
| Loan and lease loss provision to assets | 0.4770% | 294 |
| Net operating income to assets | 0.8458% | 3,082 |
| Return on assets (ROA) | 0.8466% | 3,198 |
| Pretax return on assets | 1.0722% | 3,211 |
| Return on Equity (ROE) | 6.6434% | 3,672 |
| Retained earnings to average equity (ytd only) | 1.6141% | 4,610 |
| Net charge-offs to loans | 0.4159% | 627 |
| Credit loss provision to net charge-offs | 256.6845% | 1,124 |
| Earnings coverage of net charge-offs (x) | 8.3316% | 2,881 |
| Efficiency ratio | 49.7743% | 5,498 |
| Assets per employee ($millions) | 7.1511% | 857 |
| Cash dividends to net income (ytd only)* | 75.7042% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8365% | 891 |
| Loan loss allowance to noncurrent loans | 106.5906% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.9479% | 2,005 |
| Noncurrent loans to loans | 1.7230% | 1,117 |
| Net loans and leases to total assets | 44.8999% | 5,069 |
| Net loans and leases to deposits | 53.7343% | 5,026 |
| Net loans and leases to core deposits | 59.0440% | 4,901 |
| Total domestic deposits to total assets | 83.5591% | 3,582 |
| Equity capital to assets | 11.8692% | 1,898 |
| Core capital (leverage) ratio | 12.1245% | 1,521 |
| Tier 1 risk-based capital ratio | 22.5721% | 1,006 |
| Total risk-based capital ratio | 23.8257% | 990 |
| Memoranda: | ||
| Average total assets | $100,638,400 | 4,342 |
| Average earning assets | $92,805,400 | 4,328 |
| Average equity | $12,824,800 | 4,120 |
| Average total loans | $44,966,800 | 4,715 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7987% | 3,923 |
| Cost of funding earning assets | 0.6661% | 967 |
| Net interest margin | 3.1325% | 4,691 |
| Noninterest income to average assets | 0.1958% | 5,291 |
| Noninterest expense to average assets | 1.4025% | 5,819 |
| Loan and lease loss provision to assets | 0.6219% | 185 |
| Net operating income to assets | 0.6100% | 4,249 |
| Return on assets (ROA) | 0.6100% | 4,363 |
| Pretax return on assets | 1.0585% | 3,396 |
| Return on Equity (ROE) | 4.7063% | 4,639 |
| Retained earnings to average equity (ytd only) | 4.7063% | 3,009 |
| Net charge-offs to loans | 0.5183% | 407 |
| Credit loss provision to net charge-offs | 270.1149% | 1,137 |
| Earnings coverage of net charge-offs (x) | 7.2990% | 2,892 |
| Efficiency ratio | 45.4936% | 5,690 |
| Assets per employee ($millions) | 7.2560% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9494% | 785 |
| Loan loss allowance to noncurrent loans | 118.3731% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.8594% | 2,405 |
| Noncurrent loans to loans | 1.6468% | 1,296 |
| Net loans and leases to total assets | 41.7900% | 5,305 |
| Net loans and leases to deposits | 50.9965% | 5,254 |
| Net loans and leases to core deposits | 56.0696% | 5,146 |
| Total domestic deposits to total assets | 81.9470% | 3,948 |
| Equity capital to assets | 13.1792% | 1,398 |
| Core capital (leverage) ratio | 12.2782% | 1,489 |
| Tier 1 risk-based capital ratio | 23.1025% | 996 |
| Total risk-based capital ratio | 24.6626% | 938 |
| Memoranda: | ||
| Average total assets | $100,769,000 | 4,375 |
| Average earning assets | $92,872,500 | 4,365 |
| Average equity | $13,060,250 | 4,113 |
| Average total loans | $44,760,250 | 4,767 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8319% | 3,842 |
| Cost of funding earning assets | 0.6643% | 967 |
| Net interest margin | 3.1676% | 4,649 |
| Noninterest income to average assets | 0.2010% | 5,297 |
| Noninterest expense to average assets | 1.4150% | 5,894 |
| Loan and lease loss provision to assets | 0.3980% | 385 |
| Net operating income to assets | 0.8557% | 3,069 |
| Return on assets (ROA) | 0.8557% | 3,189 |
| Pretax return on assets | 1.3015% | 2,405 |
| Return on Equity (ROE) | 6.6404% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.6404% | 1,786 |
| Net charge-offs to loans | 0.7868% | 257 |
| Credit loss provision to net charge-offs | 112.3596% | 1,942 |
| Earnings coverage of net charge-offs (x) | 4.7978% | 2,941 |
| Efficiency ratio | 45.4313% | 5,778 |
| Assets per employee ($millions) | 7.2768% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 2,754 |
| Loan loss allowance to noncurrent loans | 78.0822% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 2,411 |
| Noncurrent loans to loans | 1.6708% | 1,274 |
| Net loans and leases to total assets | 42.3274% | 5,322 |
| Net loans and leases to deposits | 51.5247% | 5,269 |
| Net loans and leases to core deposits | 57.1699% | 5,117 |
| Total domestic deposits to total assets | 82.1497% | 3,960 |
| Equity capital to assets | 13.0552% | 1,468 |
| Core capital (leverage) ratio | 12.3348% | 1,436 |
| Tier 1 risk-based capital ratio | 23.0654% | 1,006 |
| Total risk-based capital ratio | 24.1199% | 1,009 |
| Memoranda: | ||
| Average total assets | $100,497,330 | 4,418 |
| Average earning assets | $92,435,000 | 4,415 |
| Average equity | $12,951,000 | 4,153 |
| Average total loans | $45,248,330 | 4,791 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8576% | 3,745 |
| Cost of funding earning assets | 0.6596% | 998 |
| Net interest margin | 3.1981% | 4,587 |
| Noninterest income to average assets | 0.2084% | 5,240 |
| Noninterest expense to average assets | 1.4107% | 5,957 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2865% | 1,284 |
| Return on assets (ROA) | 1.2865% | 1,370 |
| Pretax return on assets | 1.7514% | 941 |
| Return on Equity (ROE) | 10.0497% | 1,967 |
| Retained earnings to average equity (ytd only) | 10.0497% | 837 |
| Net charge-offs to loans | -0.0608% | 5,423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6134% | 5,852 |
| Assets per employee ($millions) | 7.1821% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 3,311 |
| Loan loss allowance to noncurrent loans | 54.4652% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.0134% | 2,179 |
| Noncurrent loans to loans | 2.2568% | 894 |
| Net loans and leases to total assets | 44.3535% | 5,223 |
| Net loans and leases to deposits | 53.9328% | 5,104 |
| Net loans and leases to core deposits | 60.8974% | 4,879 |
| Total domestic deposits to total assets | 82.2385% | 4,136 |
| Equity capital to assets | 12.9579% | 1,431 |
| Core capital (leverage) ratio | 12.3726% | 1,394 |
| Tier 1 risk-based capital ratio | 22.5640% | 1,082 |
| Total risk-based capital ratio | 23.5773% | 1,096 |
| Memoranda: | ||
| Average total assets | $99,808,500 | 4,469 |
| Average earning assets | $92,180,500 | 4,455 |
| Average equity | $12,776,500 | 4,195 |
| Average total loans | $46,027,000 | 4,807 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 3,372 |
| Cost of funding earning assets | 0.6716% | 951 |
| Net interest margin | 3.3110% | 4,251 |
| Noninterest income to average assets | 0.2137% | 5,314 |
| Noninterest expense to average assets | 1.5861% | 5,931 |
| Loan and lease loss provision to assets | 0.0351% | 3,643 |
| Net operating income to assets | 1.1920% | 1,580 |
| Return on assets (ROA) | 1.2059% | 1,594 |
| Pretax return on assets | 1.6534% | 1,098 |
| Return on Equity (ROE) | 9.4928% | 2,222 |
| Retained earnings to average equity (ytd only) | 3.3801% | 3,647 |
| Net charge-offs to loans | -0.0130% | 5,166 |
| Credit loss provision to net charge-offs | -583.3333% | 5,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7211% | 5,814 |
| Assets per employee ($millions) | 6.6045% | 1,046 |
| Cash dividends to net income (ytd only)* | 64.3927% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 3,658 |
| Loan loss allowance to noncurrent loans | 52.9469% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 1.0447% | 2,100 |
| Noncurrent loans to loans | 2.2067% | 898 |
| Net loans and leases to total assets | 46.7901% | 5,109 |
| Net loans and leases to deposits | 56.6232% | 5,009 |
| Net loans and leases to core deposits | 62.0910% | 4,873 |
| Total domestic deposits to total assets | 82.6342% | 3,964 |
| Equity capital to assets | 12.6418% | 1,538 |
| Core capital (leverage) ratio | 12.0959% | 1,565 |
| Tier 1 risk-based capital ratio | 21.4734% | 1,218 |
| Total risk-based capital ratio | 22.4509% | 1,244 |
| Memoranda: | ||
| Average total assets | $99,676,000 | 4,468 |
| Average earning assets | $91,573,200 | 4,473 |
| Average equity | $12,662,200 | 4,196 |
| Average total loans | $46,133,200 | 4,787 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 3,426 |
| Cost of funding earning assets | 0.6674% | 990 |
| Net interest margin | 3.3095% | 4,302 |
| Noninterest income to average assets | 0.2177% | 5,357 |
| Noninterest expense to average assets | 1.4197% | 6,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3582% | 1,206 |
| Return on assets (ROA) | 1.3770% | 1,215 |
| Pretax return on assets | 1.8565% | 791 |
| Return on Equity (ROE) | 10.8266% | 1,776 |
| Retained earnings to average equity (ytd only) | 10.8266% | 499 |
| Net charge-offs to loans | -0.0290% | 5,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6730% | 6,047 |
| Assets per employee ($millions) | 6.6590% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 4,060 |
| Loan loss allowance to noncurrent loans | 86.7450% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 3,484 |
| Noncurrent loans to loans | 1.3016% | 1,964 |
| Net loans and leases to total assets | 45.3251% | 5,272 |
| Net loans and leases to deposits | 55.2265% | 5,175 |
| Net loans and leases to core deposits | 59.8572% | 5,075 |
| Total domestic deposits to total assets | 82.0714% | 4,139 |
| Equity capital to assets | 13.1952% | 1,354 |
| Core capital (leverage) ratio | 12.7062% | 1,315 |
| Tier 1 risk-based capital ratio | 22.9242% | 1,061 |
| Total risk-based capital ratio | 23.8617% | 1,087 |
| Memoranda: | ||
| Average total assets | $99,828,000 | 4,512 |
| Average earning assets | $91,491,250 | 4,527 |
| Average equity | $12,696,750 | 4,241 |
| Average total loans | $45,941,000 | 4,847 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9499% | 3,492 |
| Cost of funding earning assets | 0.6638% | 1,032 |
| Net interest margin | 3.2861% | 4,350 |
| Noninterest income to average assets | 0.2224% | 5,371 |
| Noninterest expense to average assets | 1.3646% | 6,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3466% | 1,200 |
| Return on assets (ROA) | 1.3466% | 1,242 |
| Pretax return on assets | 1.8736% | 780 |
| Return on Equity (ROE) | 10.7214% | 1,773 |
| Retained earnings to average equity (ytd only) | 10.7214% | 545 |
| Net charge-offs to loans | -0.0130% | 5,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1411% | 6,167 |
| Assets per employee ($millions) | 6.6168% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 4,226 |
| Loan loss allowance to noncurrent loans | 72.7532% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 3,281 |
| Noncurrent loans to loans | 1.5390% | 1,720 |
| Net loans and leases to total assets | 45.3784% | 5,296 |
| Net loans and leases to deposits | 54.8868% | 5,197 |
| Net loans and leases to core deposits | 60.0528% | 5,070 |
| Total domestic deposits to total assets | 82.6764% | 4,067 |
| Equity capital to assets | 12.6919% | 1,552 |
| Core capital (leverage) ratio | 12.3358% | 1,465 |
| Tier 1 risk-based capital ratio | 22.4228% | 1,146 |
| Total risk-based capital ratio | 23.3538% | 1,172 |
| Memoranda: | ||
| Average total assets | $99,809,000 | 4,556 |
| Average earning assets | $91,598,330 | 4,568 |
| Average equity | $12,535,670 | 4,283 |
| Average total loans | $45,991,330 | 4,888 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9612% | 3,375 |
| Cost of funding earning assets | 0.6609% | 1,039 |
| Net interest margin | 3.3003% | 4,218 |
| Noninterest income to average assets | 0.2238% | 5,355 |
| Noninterest expense to average assets | 1.3668% | 6,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3468% | 1,144 |
| Return on assets (ROA) | 1.3468% | 1,213 |
| Pretax return on assets | 1.8704% | 755 |
| Return on Equity (ROE) | 10.7797% | 1,703 |
| Retained earnings to average equity (ytd only) | 10.7797% | 756 |
| Net charge-offs to loans | -0.0519% | 5,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2222% | 6,228 |
| Assets per employee ($millions) | 6.6765% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 4,456 |
| Loan loss allowance to noncurrent loans | 66.6234% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 0.7689% | 3,188 |
| Noncurrent loans to loans | 1.6670% | 1,664 |
| Net loans and leases to total assets | 45.6105% | 5,228 |
| Net loans and leases to deposits | 55.3559% | 5,094 |
| Net loans and leases to core deposits | 59.9402% | 4,995 |
| Total domestic deposits to total assets | 82.3951% | 4,382 |
| Equity capital to assets | 12.6862% | 1,576 |
| Core capital (leverage) ratio | 12.0102% | 1,632 |
| Tier 1 risk-based capital ratio | 21.6324% | 1,295 |
| Total risk-based capital ratio | 22.5612% | 1,340 |
| Memoranda: | ||
| Average total assets | $100,087,500 | 4,591 |
| Average earning assets | $91,387,000 | 4,609 |
| Average equity | $12,505,000 | 4,319 |
| Average total loans | $46,212,500 | 4,908 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 3,322 |
| Cost of funding earning assets | 0.7341% | 927 |
| Net interest margin | 3.3675% | 4,338 |
| Noninterest income to average assets | 0.2149% | 5,571 |
| Noninterest expense to average assets | 1.5733% | 6,256 |
| Loan and lease loss provision to assets | 0.0301% | 4,007 |
| Net operating income to assets | 1.2259% | 1,510 |
| Return on assets (ROA) | 1.2259% | 1,563 |
| Pretax return on assets | 1.6697% | 1,051 |
| Return on Equity (ROE) | 10.1951% | 2,026 |
| Retained earnings to average equity (ytd only) | 4.8095% | 2,748 |
| Net charge-offs to loans | -0.0129% | 5,612 |
| Credit loss provision to net charge-offs | -500.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0675% | 6,183 |
| Assets per employee ($millions) | 6.6685% | 967 |
| Cash dividends to net income (ytd only)* | 52.8256% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 4,555 |
| Loan loss allowance to noncurrent loans | 248.5294% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 5,211 |
| Noncurrent loans to loans | 0.4412% | 4,319 |
| Net loans and leases to total assets | 45.7147% | 5,351 |
| Net loans and leases to deposits | 55.1879% | 5,235 |
| Net loans and leases to core deposits | 60.4087% | 5,109 |
| Total domestic deposits to total assets | 82.8346% | 4,132 |
| Equity capital to assets | 12.3017% | 1,782 |
| Core capital (leverage) ratio | 11.7225% | 1,812 |
| Tier 1 risk-based capital ratio | 21.0849% | 1,386 |
| Total risk-based capital ratio | 22.0057% | 1,430 |
| Memoranda: | ||
| Average total assets | $99,599,800 | 4,608 |
| Average earning assets | $90,452,800 | 4,642 |
| Average equity | $11,976,400 | 4,364 |
| Average total loans | $46,475,200 | 4,934 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1308% | 3,250 |
| Cost of funding earning assets | 0.7430% | 928 |
| Net interest margin | 3.3878% | 4,284 |
| Noninterest income to average assets | 0.2198% | 5,617 |
| Noninterest expense to average assets | 1.4165% | 6,392 |
| Loan and lease loss provision to assets | 0.0201% | 4,003 |
| Net operating income to assets | 1.4902% | 960 |
| Return on assets (ROA) | 1.4902% | 988 |
| Pretax return on assets | 1.8507% | 803 |
| Return on Equity (ROE) | 12.4651% | 1,347 |
| Retained earnings to average equity (ytd only) | 12.4651% | 379 |
| Net charge-offs to loans | 0.0315% | 3,856 |
| Credit loss provision to net charge-offs | 136.3636% | 1,711 |
| Earnings coverage of net charge-offs (x) | 126.8773% | 473 |
| Efficiency ratio | 43.0901% | 6,391 |
| Assets per employee ($millions) | 6.5423% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 5,064 |
| Loan loss allowance to noncurrent loans | 265.3631% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 5,482 |
| Noncurrent loans to loans | 0.3891% | 4,749 |
| Net loans and leases to total assets | 46.3963% | 5,340 |
| Net loans and leases to deposits | 56.3454% | 5,221 |
| Net loans and leases to core deposits | 61.8132% | 5,043 |
| Total domestic deposits to total assets | 82.3427% | 4,366 |
| Equity capital to assets | 12.8670% | 1,492 |
| Core capital (leverage) ratio | 12.3503% | 1,487 |
| Tier 1 risk-based capital ratio | 22.3024% | 1,221 |
| Total risk-based capital ratio | 23.1745% | 1,253 |
| Memoranda: | ||
| Average total assets | $99,493,000 | 4,655 |
| Average earning assets | $90,086,000 | 4,702 |
| Average equity | $11,894,250 | 4,409 |
| Average total loans | $46,535,500 | 4,980 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 3,418 |
| Cost of funding earning assets | 0.7477% | 934 |
| Net interest margin | 3.3338% | 4,455 |
| Noninterest income to average assets | 0.2261% | 5,590 |
| Noninterest expense to average assets | 1.4148% | 6,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4768% | 914 |
| Return on assets (ROA) | 1.4768% | 949 |
| Pretax return on assets | 1.8270% | 802 |
| Return on Equity (ROE) | 12.6695% | 1,269 |
| Retained earnings to average equity (ytd only) | 12.6695% | 366 |
| Net charge-offs to loans | -0.0728% | 6,030 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6420% | 6,435 |
| Assets per employee ($millions) | 6.2971% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 5,168 |
| Loan loss allowance to noncurrent loans | 163.7584% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 5,181 |
| Noncurrent loans to loans | 0.6332% | 4,127 |
| Net loans and leases to total assets | 46.2265% | 5,342 |
| Net loans and leases to deposits | 55.5768% | 5,230 |
| Net loans and leases to core deposits | 60.9541% | 5,057 |
| Total domestic deposits to total assets | 83.1759% | 4,232 |
| Equity capital to assets | 12.1752% | 1,867 |
| Core capital (leverage) ratio | 11.9490% | 1,689 |
| Tier 1 risk-based capital ratio | 21.0255% | 1,442 |
| Total risk-based capital ratio | 21.8970% | 1,500 |
| Memoranda: | ||
| Average total assets | $99,945,670 | 4,684 |
| Average earning assets | $90,407,330 | 4,719 |
| Average equity | $11,650,000 | 4,461 |
| Average total loans | $46,712,000 | 5,013 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0734% | 3,384 |
| Cost of funding earning assets | 0.7638% | 910 |
| Net interest margin | 3.3096% | 4,493 |
| Noninterest income to average assets | 0.2371% | 5,465 |
| Noninterest expense to average assets | 1.4346% | 6,537 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4064% | 975 |
| Return on assets (ROA) | 1.4064% | 1,019 |
| Pretax return on assets | 1.7802% | 826 |
| Return on Equity (ROE) | 12.3440% | 1,330 |
| Retained earnings to average equity (ytd only) | 12.3440% | 567 |
| Net charge-offs to loans | -0.0430% | 5,743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6250% | 6,473 |
| Assets per employee ($millions) | 6.2794% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 5,385 |
| Loan loss allowance to noncurrent loans | 72.8943% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 0.6499% | 4,176 |
| Noncurrent loans to loans | 1.4184% | 2,654 |
| Net loans and leases to total assets | 45.3484% | 5,397 |
| Net loans and leases to deposits | 54.1001% | 5,276 |
| Net loans and leases to core deposits | 59.3750% | 5,098 |
| Total domestic deposits to total assets | 83.8232% | 4,334 |
| Equity capital to assets | 11.5546% | 2,201 |
| Core capital (leverage) ratio | 11.6699% | 1,850 |
| Tier 1 risk-based capital ratio | 20.5695% | 1,565 |
| Total risk-based capital ratio | 21.4296% | 1,645 |
| Memoranda: | ||
| Average total assets | $99,541,500 | 4,750 |
| Average earning assets | $89,557,000 | 4,784 |
| Average equity | $11,341,500 | 4,535 |
| Average total loans | $46,536,500 | 5,062 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 2,821 |
| Cost of funding earning assets | 0.9158% | 678 |
| Net interest margin | 3.4194% | 4,206 |
| Noninterest income to average assets | 0.2422% | 5,613 |
| Noninterest expense to average assets | 1.4469% | 6,606 |
| Loan and lease loss provision to assets | 0.2912% | 1,170 |
| Net operating income to assets | 1.1077% | 1,911 |
| Return on assets (ROA) | 1.1077% | 1,980 |
| Pretax return on assets | 1.4990% | 1,452 |
| Return on Equity (ROE) | 9.3254% | 2,402 |
| Retained earnings to average equity (ytd only) | 3.7766% | 3,515 |
| Net charge-offs to loans | 0.5966% | 1,103 |
| Credit loss provision to net charge-offs | 100.7067% | 2,399 |
| Earnings coverage of net charge-offs (x) | 6.1908% | 3,109 |
| Efficiency ratio | 44.6970% | 6,598 |
| Assets per employee ($millions) | 5.8007% | 1,405 |
| Cash dividends to net income (ytd only)* | 59.5018% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 5,554 |
| Loan loss allowance to noncurrent loans | 81.4879% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 0.5861% | 4,479 |
| Noncurrent loans to loans | 1.2289% | 3,089 |
| Net loans and leases to total assets | 47.2194% | 5,369 |
| Net loans and leases to deposits | 56.1648% | 5,287 |
| Net loans and leases to core deposits | 61.3475% | 5,119 |
| Total domestic deposits to total assets | 84.0729% | 4,137 |
| Equity capital to assets | 11.2299% | 2,400 |
| Core capital (leverage) ratio | 11.2083% | 2,187 |
| Tier 1 risk-based capital ratio | 19.7296% | 1,726 |
| Total risk-based capital ratio | 20.5718% | 1,795 |
| Memoranda: | ||
| Average total assets | $97,864,200 | 4,797 |
| Average earning assets | $85,717,000 | 4,888 |
| Average equity | $11,624,200 | 4,526 |
| Average total loans | $47,438,800 | 5,052 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3551% | 2,754 |
| Cost of funding earning assets | 0.9404% | 670 |
| Net interest margin | 3.4147% | 4,227 |
| Noninterest income to average assets | 0.2484% | 5,654 |
| Noninterest expense to average assets | 1.1916% | 6,791 |
| Loan and lease loss provision to assets | 0.3890% | 789 |
| Net operating income to assets | 1.2039% | 1,617 |
| Return on assets (ROA) | 1.2039% | 1,690 |
| Pretax return on assets | 1.6517% | 1,210 |
| Return on Equity (ROE) | 9.9983% | 2,180 |
| Retained earnings to average equity (ytd only) | 9.9983% | 790 |
| Net charge-offs to loans | 0.7993% | 737 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 5.2456% | 3,243 |
| Efficiency ratio | 36.8666% | 6,789 |
| Assets per employee ($millions) | 5.7284% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 5,679 |
| Loan loss allowance to noncurrent loans | 62.6168% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 0.7691% | 4,182 |
| Noncurrent loans to loans | 1.6081% | 2,762 |
| Net loans and leases to total assets | 47.3476% | 5,416 |
| Net loans and leases to deposits | 56.8287% | 5,297 |
| Net loans and leases to core deposits | 62.1955% | 5,098 |
| Total domestic deposits to total assets | 83.3162% | 4,454 |
| Equity capital to assets | 11.9344% | 1,955 |
| Core capital (leverage) ratio | 11.9141% | 1,724 |
| Tier 1 risk-based capital ratio | 20.7274% | 1,551 |
| Total risk-based capital ratio | 21.5743% | 1,622 |
| Memoranda: | ||
| Average total assets | $97,677,250 | 4,841 |
| Average earning assets | $85,354,250 | 4,945 |
| Average equity | $11,761,750 | 4,547 |
| Average total loans | $47,539,750 | 5,089 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3833% | 2,632 |
| Cost of funding earning assets | 0.9596% | 677 |
| Net interest margin | 3.4237% | 4,095 |
| Noninterest income to average assets | 0.2557% | 5,620 |
| Noninterest expense to average assets | 1.0759% | 6,859 |
| Loan and lease loss provision to assets | 0.0205% | 4,489 |
| Net operating income to assets | 1.6937% | 628 |
| Return on assets (ROA) | 1.6937% | 683 |
| Pretax return on assets | 2.1662% | 447 |
| Return on Equity (ROE) | 14.0240% | 1,006 |
| Retained earnings to average equity (ytd only) | 14.0240% | 298 |
| Net charge-offs to loans | -0.0251% | 6,048 |
| Credit loss provision to net charge-offs | -166.6667% | 5,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.9781% | 6,861 |
| Assets per employee ($millions) | 5.9858% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 5,680 |
| Loan loss allowance to noncurrent loans | 74.2726% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 4,516 |
| Noncurrent loans to loans | 1.3963% | 3,206 |
| Net loans and leases to total assets | 48.3252% | 5,295 |
| Net loans and leases to deposits | 58.3374% | 5,134 |
| Net loans and leases to core deposits | 63.9643% | 4,898 |
| Total domestic deposits to total assets | 82.8374% | 4,768 |
| Equity capital to assets | 12.2886% | 1,712 |
| Core capital (leverage) ratio | 11.6862% | 1,810 |
| Tier 1 risk-based capital ratio | 20.7812% | 1,547 |
| Total risk-based capital ratio | 21.6635% | 1,604 |
| Memoranda: | ||
| Average total assets | $97,775,670 | 4,866 |
| Average earning assets | $85,872,000 | 4,954 |
| Average equity | $11,808,330 | 4,570 |
| Average total loans | $47,860,670 | 5,106 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3795% | 2,596 |
| Cost of funding earning assets | 0.9876% | 656 |
| Net interest margin | 3.3919% | 4,145 |
| Noninterest income to average assets | 0.2592% | 5,608 |
| Noninterest expense to average assets | 1.2999% | 6,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4578% | 942 |
| Return on assets (ROA) | 1.4578% | 1,019 |
| Pretax return on assets | 1.9357% | 684 |
| Return on Equity (ROE) | 12.1745% | 1,373 |
| Retained earnings to average equity (ytd only) | 12.1745% | 678 |
| Net charge-offs to loans | -0.0496% | 6,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1752% | 6,867 |
| Assets per employee ($millions) | 6.1133% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 6,029 |
| Loan loss allowance to noncurrent loans | 72.4085% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 0.6707% | 4,698 |
| Noncurrent loans to loans | 1.3639% | 3,521 |
| Net loans and leases to total assets | 48.6883% | 5,156 |
| Net loans and leases to deposits | 58.9941% | 4,906 |
| Net loans and leases to core deposits | 64.3380% | 4,706 |
| Total domestic deposits to total assets | 82.5308% | 5,017 |
| Equity capital to assets | 12.1948% | 1,911 |
| Core capital (leverage) ratio | 11.1611% | 2,126 |
| Tier 1 risk-based capital ratio | 19.5730% | 1,890 |
| Total risk-based capital ratio | 20.4217% | 1,963 |
| Memoranda: | ||
| Average total assets | $98,777,500 | 4,891 |
| Average earning assets | $86,677,500 | 4,970 |
| Average equity | $11,828,000 | 4,609 |
| Average total loans | $48,407,500 | 5,116 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4469% | 3,626 |
| Cost of funding earning assets | 1.1254% | 825 |
| Net interest margin | 3.3215% | 5,177 |
| Noninterest income to average assets | 0.2697% | 5,529 |
| Noninterest expense to average assets | 1.5391% | 6,845 |
| Loan and lease loss provision to assets | 0.0166% | 5,695 |
| Net operating income to assets | 1.1878% | 1,644 |
| Return on assets (ROA) | 1.2235% | 1,691 |
| Pretax return on assets | 1.6760% | 1,194 |
| Return on Equity (ROE) | 10.7186% | 1,901 |
| Retained earnings to average equity (ytd only) | 5.1967% | 2,578 |
| Net charge-offs to loans | 0.0149% | 5,700 |
| Credit loss provision to net charge-offs | 242.8571% | 1,017 |
| Earnings coverage of net charge-offs (x) | 240.2857% | 174 |
| Efficiency ratio | 48.3574% | 6,689 |
| Assets per employee ($millions) | 6.2339% | 1,143 |
| Cash dividends to net income (ytd only)* | 51.5176% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 6,088 |
| Loan loss allowance to noncurrent loans | 87.8277% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 5,136 |
| Noncurrent loans to loans | 1.0961% | 4,016 |
| Net loans and leases to total assets | 48.3723% | 5,369 |
| Net loans and leases to deposits | 58.3269% | 5,203 |
| Net loans and leases to core deposits | 64.6843% | 4,879 |
| Total domestic deposits to total assets | 82.9331% | 4,748 |
| Equity capital to assets | 11.7582% | 2,214 |
| Core capital (leverage) ratio | 10.6643% | 2,581 |
| Tier 1 risk-based capital ratio | 18.6220% | 2,067 |
| Total risk-based capital ratio | 19.4463% | 2,153 |
| Memoranda: | ||
| Average total assets | $102,330,000 | 4,770 |
| Average earning assets | $89,748,800 | 4,876 |
| Average equity | $11,680,600 | 4,638 |
| Average total loans | $46,993,400 | 5,213 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 3,785 |
| Cost of funding earning assets | 1.1433% | 888 |
| Net interest margin | 3.3159% | 5,329 |
| Noninterest income to average assets | 0.2706% | 5,622 |
| Noninterest expense to average assets | 1.3414% | 7,022 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4547% | 1,118 |
| Return on assets (ROA) | 1.5058% | 1,118 |
| Pretax return on assets | 1.8968% | 875 |
| Return on Equity (ROE) | 13.2887% | 1,273 |
| Retained earnings to average equity (ytd only) | 13.2887% | 368 |
| Net charge-offs to loans | -0.0057% | 6,287 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2685% | 6,957 |
| Assets per employee ($millions) | 6.3636% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 6,157 |
| Loan loss allowance to noncurrent loans | 74.3548% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6089% | 5,150 |
| Noncurrent loans to loans | 1.3176% | 3,834 |
| Net loans and leases to total assets | 45.7620% | 5,789 |
| Net loans and leases to deposits | 55.4889% | 5,676 |
| Net loans and leases to core deposits | 61.1133% | 5,446 |
| Total domestic deposits to total assets | 82.4707% | 4,846 |
| Equity capital to assets | 12.2621% | 2,069 |
| Core capital (leverage) ratio | 11.0677% | 2,325 |
| Tier 1 risk-based capital ratio | 19.9492% | 1,775 |
| Total risk-based capital ratio | 20.7739% | 1,849 |
| Memoranda: | ||
| Average total assets | $102,976,750 | 4,801 |
| Average earning assets | $90,148,500 | 4,908 |
| Average equity | $11,668,750 | 4,677 |
| Average total loans | $46,562,500 | 5,294 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4715% | 3,896 |
| Cost of funding earning assets | 1.1733% | 924 |
| Net interest margin | 3.2982% | 5,443 |
| Noninterest income to average assets | 0.2709% | 5,640 |
| Noninterest expense to average assets | 1.3409% | 7,085 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4183% | 1,156 |
| Return on assets (ROA) | 1.4183% | 1,290 |
| Pretax return on assets | 1.8072% | 1,027 |
| Return on Equity (ROE) | 12.8634% | 1,398 |
| Retained earnings to average equity (ytd only) | 12.8634% | 452 |
| Net charge-offs to loans | -0.0043% | 6,145 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5937% | 7,003 |
| Assets per employee ($millions) | 6.4408% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 6,090 |
| Loan loss allowance to noncurrent loans | 102.6786% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 5,689 |
| Noncurrent loans to loans | 0.9888% | 4,528 |
| Net loans and leases to total assets | 43.5178% | 6,066 |
| Net loans and leases to deposits | 52.2589% | 6,007 |
| Net loans and leases to core deposits | 57.4463% | 5,819 |
| Total domestic deposits to total assets | 83.2735% | 4,638 |
| Equity capital to assets | 11.5777% | 2,514 |
| Core capital (leverage) ratio | 10.4284% | 2,883 |
| Tier 1 risk-based capital ratio | 19.5361% | 1,840 |
| Total risk-based capital ratio | 20.3743% | 1,914 |
| Memoranda: | ||
| Average total assets | $103,363,000 | 4,818 |
| Average earning assets | $90,171,330 | 4,926 |
| Average equity | $11,396,670 | 4,737 |
| Average total loans | $46,398,330 | 5,329 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 3,971 |
| Cost of funding earning assets | 1.2094% | 943 |
| Net interest margin | 3.2781% | 5,540 |
| Noninterest income to average assets | 0.2743% | 5,677 |
| Noninterest expense to average assets | 1.3563% | 7,145 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3833% | 1,251 |
| Return on assets (ROA) | 1.3833% | 1,398 |
| Pretax return on assets | 1.7775% | 1,130 |
| Return on Equity (ROE) | 12.8667% | 1,443 |
| Retained earnings to average equity (ytd only) | 12.8667% | 703 |
| Net charge-offs to loans | 0.1022% | 3,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 38.3333% | 769 |
| Efficiency ratio | 43.2799% | 7,016 |
| Assets per employee ($millions) | 6.4406% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 6,312 |
| Loan loss allowance to noncurrent loans | 98.6755% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.4396% | 5,769 |
| Noncurrent loans to loans | 0.9965% | 4,681 |
| Net loans and leases to total assets | 43.6807% | 6,042 |
| Net loans and leases to deposits | 52.0532% | 5,963 |
| Net loans and leases to core deposits | 57.1565% | 5,800 |
| Total domestic deposits to total assets | 83.9156% | 4,531 |
| Equity capital to assets | 10.9646% | 2,944 |
| Core capital (leverage) ratio | 10.1334% | 3,199 |
| Tier 1 risk-based capital ratio | 18.8393% | 2,036 |
| Total risk-based capital ratio | 19.6533% | 2,141 |
| Memoranda: | ||
| Average total assets | $103,518,500 | 4,850 |
| Average earning assets | $90,296,000 | 4,958 |
| Average equity | $11,129,500 | 4,793 |
| Average total loans | $46,944,500 | 5,343 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9514% | 3,102 |
| Cost of funding earning assets | 1.4665% | 813 |
| Net interest margin | 3.4849% | 5,203 |
| Noninterest income to average assets | 0.2968% | 5,404 |
| Noninterest expense to average assets | 1.5340% | 7,149 |
| Loan and lease loss provision to assets | 0.1474% | 4,771 |
| Net operating income to assets | 1.2388% | 1,408 |
| Return on assets (ROA) | 1.2598% | 1,449 |
| Pretax return on assets | 1.6609% | 1,079 |
| Return on Equity (ROE) | 11.6224% | 1,523 |
| Retained earnings to average equity (ytd only) | 5.5327% | 2,281 |
| Net charge-offs to loans | 0.3049% | 3,873 |
| Credit loss provision to net charge-offs | 100.6993% | 3,465 |
| Earnings coverage of net charge-offs (x) | 12.1678% | 1,647 |
| Efficiency ratio | 46.2797% | 7,030 |
| Assets per employee ($millions) | 6.4992% | 960 |
| Cash dividends to net income (ytd only)* | 52.3964% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 6,407 |
| Loan loss allowance to noncurrent loans | 100.4376% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4395% | 5,868 |
| Noncurrent loans to loans | 0.9436% | 4,815 |
| Net loans and leases to total assets | 46.1308% | 6,004 |
| Net loans and leases to deposits | 54.6175% | 6,011 |
| Net loans and leases to core deposits | 60.1120% | 5,839 |
| Total domestic deposits to total assets | 84.4615% | 4,116 |
| Equity capital to assets | 10.5398% | 3,486 |
| Core capital (leverage) ratio | 9.7760% | 3,640 |
| Tier 1 risk-based capital ratio | 17.2308% | 2,499 |
| Total risk-based capital ratio | 18.0228% | 2,670 |
| Memoranda: | ||
| Average total assets | $97,715,800 | 4,959 |
| Average earning assets | $84,621,800 | 5,103 |
| Average equity | $10,591,600 | 4,885 |
| Average total loans | $46,893,000 | 5,388 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0066% | 3,052 |
| Cost of funding earning assets | 1.5002% | 859 |
| Net interest margin | 3.5064% | 5,163 |
| Noninterest income to average assets | 0.2995% | 5,468 |
| Noninterest expense to average assets | 1.3576% | 7,294 |
| Loan and lease loss provision to assets | 0.1997% | 4,025 |
| Net operating income to assets | 1.3894% | 1,180 |
| Return on assets (ROA) | 1.4186% | 1,191 |
| Pretax return on assets | 1.8166% | 922 |
| Return on Equity (ROE) | 12.9908% | 1,279 |
| Retained earnings to average equity (ytd only) | 12.9908% | 381 |
| Net charge-offs to loans | 0.3899% | 3,163 |
| Credit loss provision to net charge-offs | 105.8824% | 3,129 |
| Earnings coverage of net charge-offs (x) | 10.4926% | 1,910 |
| Efficiency ratio | 40.6899% | 7,243 |
| Assets per employee ($millions) | 6.3473% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 6,390 |
| Loan loss allowance to noncurrent loans | 118.2741% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 6,107 |
| Noncurrent loans to loans | 0.8202% | 5,227 |
| Net loans and leases to total assets | 46.8397% | 6,067 |
| Net loans and leases to deposits | 56.2082% | 6,014 |
| Net loans and leases to core deposits | 61.0454% | 5,907 |
| Total domestic deposits to total assets | 83.3325% | 4,545 |
| Equity capital to assets | 11.4251% | 2,757 |
| Core capital (leverage) ratio | 10.4631% | 2,908 |
| Tier 1 risk-based capital ratio | 18.2145% | 2,182 |
| Total risk-based capital ratio | 19.0287% | 2,307 |
| Memoranda: | ||
| Average total assets | $96,148,000 | 5,035 |
| Average earning assets | $83,274,500 | 5,176 |
| Average equity | $10,499,500 | 4,922 |
| Average total loans | $46,509,000 | 5,451 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0393% | 2,974 |
| Cost of funding earning assets | 1.5451% | 851 |
| Net interest margin | 3.4942% | 5,188 |
| Noninterest income to average assets | 0.3349% | 5,211 |
| Noninterest expense to average assets | 1.3864% | 7,361 |
| Loan and lease loss provision to assets | 0.2756% | 3,176 |
| Net operating income to assets | 1.3248% | 1,258 |
| Return on assets (ROA) | 1.3694% | 1,221 |
| Pretax return on assets | 1.7553% | 953 |
| Return on Equity (ROE) | 12.7521% | 1,261 |
| Retained earnings to average equity (ytd only) | 12.7521% | 416 |
| Net charge-offs to loans | 0.5391% | 2,476 |
| Credit loss provision to net charge-offs | 104.8387% | 2,944 |
| Earnings coverage of net charge-offs (x) | 7.5081% | 2,211 |
| Efficiency ratio | 41.2618% | 7,315 |
| Assets per employee ($millions) | 6.1442% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 6,377 |
| Loan loss allowance to noncurrent loans | 223.0769% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 6,585 |
| Noncurrent loans to loans | 0.4429% | 6,024 |
| Net loans and leases to total assets | 47.2967% | 6,121 |
| Net loans and leases to deposits | 56.2701% | 6,108 |
| Net loans and leases to core deposits | 61.2378% | 5,972 |
| Total domestic deposits to total assets | 84.0530% | 4,320 |
| Equity capital to assets | 10.8751% | 3,099 |
| Core capital (leverage) ratio | 10.3049% | 2,933 |
| Tier 1 risk-based capital ratio | 18.0967% | 2,141 |
| Total risk-based capital ratio | 18.0967% | 2,555 |
| Memoranda: | ||
| Average total assets | $94,345,000 | 5,128 |
| Average earning assets | $81,677,670 | 5,276 |
| Average equity | $10,131,670 | 5,015 |
| Average total loans | $46,000,330 | 5,524 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0502% | 2,853 |
| Cost of funding earning assets | 1.5903% | 846 |
| Net interest margin | 3.4599% | 5,181 |
| Noninterest income to average assets | 0.3811% | 4,866 |
| Noninterest expense to average assets | 1.4335% | 7,400 |
| Loan and lease loss provision to assets | 0.0650% | 5,183 |
| Net operating income to assets | 1.5010% | 873 |
| Return on assets (ROA) | 1.5980% | 741 |
| Pretax return on assets | 2.0094% | 553 |
| Return on Equity (ROE) | 14.9817% | 821 |
| Retained earnings to average equity (ytd only) | 14.9817% | 394 |
| Net charge-offs to loans | 0.0967% | 3,976 |
| Credit loss provision to net charge-offs | 136.3636% | 2,044 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 671 |
| Efficiency ratio | 42.3274% | 7,338 |
| Assets per employee ($millions) | 5.8458% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 6,306 |
| Loan loss allowance to noncurrent loans | 101.3158% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.4875% | 6,010 |
| Noncurrent loans to loans | 1.0082% | 5,040 |
| Net loans and leases to total assets | 47.8612% | 6,092 |
| Net loans and leases to deposits | 57.0224% | 6,025 |
| Net loans and leases to core deposits | 62.4308% | 5,885 |
| Total domestic deposits to total assets | 83.9340% | 4,513 |
| Equity capital to assets | 10.7834% | 2,893 |
| Core capital (leverage) ratio | 10.4938% | 2,619 |
| Tier 1 risk-based capital ratio | 18.0804% | 2,090 |
| Total risk-based capital ratio | 18.9353% | 2,195 |
| Memoranda: | ||
| Average total assets | $92,364,000 | 5,225 |
| Average earning assets | $80,234,500 | 5,353 |
| Average equity | $9,852,000 | 5,081 |
| Average total loans | $45,520,500 | 5,587 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2184% | 3,517 |
| Cost of funding earning assets | 1.6991% | 1,601 |
| Net interest margin | 3.5193% | 5,165 |
| Noninterest income to average assets | 0.3503% | 5,300 |
| Noninterest expense to average assets | 1.6470% | 7,376 |
| Loan and lease loss provision to assets | 0.0334% | 6,812 |
| Net operating income to assets | 1.3445% | 1,069 |
| Return on assets (ROA) | 1.3667% | 1,090 |
| Pretax return on assets | 1.8371% | 706 |
| Return on Equity (ROE) | 12.3503% | 1,247 |
| Retained earnings to average equity (ytd only) | 5.5471% | 2,085 |
| Net charge-offs to loans | 0.0399% | 6,409 |
| Credit loss provision to net charge-offs | 166.6667% | 2,042 |
| Earnings coverage of net charge-offs (x) | 91.9444% | 259 |
| Efficiency ratio | 47.2258% | 7,300 |
| Assets per employee ($millions) | 5.6997% | 1,426 |
| Cash dividends to net income (ytd only)* | 55.0854% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 6,394 |
| Loan loss allowance to noncurrent loans | 106.7599% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 6,105 |
| Noncurrent loans to loans | 0.9364% | 5,177 |
| Net loans and leases to total assets | 49.7341% | 6,189 |
| Net loans and leases to deposits | 59.1453% | 6,141 |
| Net loans and leases to core deposits | 65.5609% | 5,922 |
| Total domestic deposits to total assets | 84.0879% | 4,317 |
| Equity capital to assets | 10.5466% | 3,108 |
| Core capital (leverage) ratio | 10.2648% | 2,800 |
| Tier 1 risk-based capital ratio | 17.2191% | 2,262 |
| Total risk-based capital ratio | 18.0579% | 2,387 |
| Memoranda: | ||
| Average total assets | $89,923,400 | 5,292 |
| Average earning assets | $80,158,000 | 5,341 |
| Average equity | $9,951,200 | 5,154 |
| Average total loans | $45,150,600 | 5,698 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2505% | 3,575 |
| Cost of funding earning assets | 1.6959% | 1,900 |
| Net interest margin | 3.5545% | 5,086 |
| Noninterest income to average assets | 0.3601% | 5,281 |
| Noninterest expense to average assets | 1.4582% | 7,570 |
| Loan and lease loss provision to assets | 0.0149% | 6,893 |
| Net operating income to assets | 1.6876% | 638 |
| Return on assets (ROA) | 1.7201% | 650 |
| Pretax return on assets | 2.1144% | 488 |
| Return on Equity (ROE) | 15.3599% | 798 |
| Retained earnings to average equity (ytd only) | 15.3599% | 196 |
| Net charge-offs to loans | 0.0445% | 6,094 |
| Credit loss provision to net charge-offs | 66.6667% | 5,519 |
| Earnings coverage of net charge-offs (x) | 93.5975% | 330 |
| Efficiency ratio | 41.1074% | 7,555 |
| Assets per employee ($millions) | 5.7163% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 6,534 |
| Loan loss allowance to noncurrent loans | 79.3165% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 5,914 |
| Noncurrent loans to loans | 1.2144% | 4,819 |
| Net loans and leases to total assets | 49.5769% | 6,367 |
| Net loans and leases to deposits | 60.0180% | 6,314 |
| Net loans and leases to core deposits | 66.4805% | 6,087 |
| Total domestic deposits to total assets | 82.6033% | 4,750 |
| Equity capital to assets | 11.8008% | 2,283 |
| Core capital (leverage) ratio | 10.9336% | 2,309 |
| Tier 1 risk-based capital ratio | 18.3482% | 1,922 |
| Total risk-based capital ratio | 19.1569% | 2,015 |
| Memoranda: | ||
| Average total assets | $89,605,500 | 5,369 |
| Average earning assets | $80,346,250 | 5,395 |
| Average equity | $10,034,500 | 5,186 |
| Average total loans | $44,985,000 | 5,782 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2262% | 3,822 |
| Cost of funding earning assets | 1.6863% | 2,186 |
| Net interest margin | 3.5398% | 5,092 |
| Noninterest income to average assets | 0.3641% | 5,224 |
| Noninterest expense to average assets | 1.4496% | 7,637 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6949% | 593 |
| Return on assets (ROA) | 1.7441% | 587 |
| Pretax return on assets | 2.1644% | 436 |
| Return on Equity (ROE) | 15.8664% | 719 |
| Retained earnings to average equity (ytd only) | 15.8664% | 200 |
| Net charge-offs to loans | 0.0224% | 6,024 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 187.2000% | 181 |
| Efficiency ratio | 40.7970% | 7,629 |
| Assets per employee ($millions) | 5.3401% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 6,436 |
| Loan loss allowance to noncurrent loans | 68.7988% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 0.7061% | 5,725 |
| Noncurrent loans to loans | 1.4448% | 4,544 |
| Net loans and leases to total assets | 48.3868% | 6,601 |
| Net loans and leases to deposits | 58.2094% | 6,561 |
| Net loans and leases to core deposits | 64.7246% | 6,339 |
| Total domestic deposits to total assets | 83.1253% | 4,513 |
| Equity capital to assets | 11.3118% | 2,587 |
| Core capital (leverage) ratio | 10.6757% | 2,478 |
| Tier 1 risk-based capital ratio | 18.0826% | 1,939 |
| Total risk-based capital ratio | 18.9109% | 2,026 |
| Memoranda: | ||
| Average total assets | $88,987,330 | 5,423 |
| Average earning assets | $80,173,670 | 5,434 |
| Average equity | $9,781,670 | 5,264 |
| Average total loans | $44,718,670 | 5,830 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1776% | 4,148 |
| Cost of funding earning assets | 1.6723% | 2,528 |
| Net interest margin | 3.5053% | 5,130 |
| Noninterest income to average assets | 0.4041% | 4,890 |
| Noninterest expense to average assets | 1.4394% | 7,743 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7951% | 500 |
| Return on assets (ROA) | 1.8980% | 447 |
| Pretax return on assets | 2.2568% | 381 |
| Return on Equity (ROE) | 17.5299% | 554 |
| Retained earnings to average equity (ytd only) | 17.5299% | 263 |
| Net charge-offs to loans | -0.0178% | 7,044 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2795% | 7,729 |
| Assets per employee ($millions) | 5.6120% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 6,457 |
| Loan loss allowance to noncurrent loans | 30.8116% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 1.6193% | 4,061 |
| Noncurrent loans to loans | 3.2525% | 2,455 |
| Net loans and leases to total assets | 49.2872% | 6,543 |
| Net loans and leases to deposits | 58.9978% | 6,554 |
| Net loans and leases to core deposits | 65.3582% | 6,336 |
| Total domestic deposits to total assets | 83.5408% | 4,370 |
| Equity capital to assets | 10.8451% | 2,904 |
| Core capital (leverage) ratio | 10.5275% | 2,598 |
| Tier 1 risk-based capital ratio | 17.3848% | 2,109 |
| Total risk-based capital ratio | 18.2251% | 2,227 |
| Memoranda: | ||
| Average total assets | $88,090,500 | 5,511 |
| Average earning assets | $79,650,500 | 5,520 |
| Average equity | $9,538,000 | 5,370 |
| Average total loans | $44,894,500 | 5,890 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4108% | 4,650 |
| Cost of funding earning assets | 1.9609% | 3,146 |
| Net interest margin | 3.4498% | 5,169 |
| Noninterest income to average assets | 0.3592% | 5,522 |
| Noninterest expense to average assets | 1.7414% | 7,665 |
| Loan and lease loss provision to assets | 0.0756% | 6,834 |
| Net operating income to assets | 1.2781% | 1,080 |
| Return on assets (ROA) | 1.2799% | 1,130 |
| Pretax return on assets | 1.6798% | 819 |
| Return on Equity (ROE) | 11.8994% | 1,188 |
| Retained earnings to average equity (ytd only) | 5.2742% | 1,685 |
| Net charge-offs to loans | 0.0920% | 6,208 |
| Credit loss provision to net charge-offs | 162.5000% | 2,711 |
| Earnings coverage of net charge-offs (x) | 37.7000% | 631 |
| Efficiency ratio | 49.8337% | 7,547 |
| Assets per employee ($millions) | 5.3993% | 1,740 |
| Cash dividends to net income (ytd only)* | 55.6767% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 6,447 |
| Loan loss allowance to noncurrent loans | 103.0023% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 6,189 |
| Noncurrent loans to loans | 0.9604% | 5,388 |
| Net loans and leases to total assets | 51.6721% | 6,456 |
| Net loans and leases to deposits | 61.9564% | 6,474 |
| Net loans and leases to core deposits | 87.5515% | 5,377 |
| Total domestic deposits to total assets | 83.4007% | 4,336 |
| Equity capital to assets | 10.8092% | 2,859 |
| Core capital (leverage) ratio | 10.1672% | 2,928 |
| Tier 1 risk-based capital ratio | 16.8690% | 2,178 |
| Total risk-based capital ratio | 17.7192% | 2,278 |
| Memoranda: | ||
| Average total assets | $86,021,600 | 5,523 |
| Average earning assets | $78,177,600 | 5,521 |
| Average equity | $9,252,600 | 5,530 |
| Average total loans | $43,479,000 | 5,959 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3978% | 4,963 |
| Cost of funding earning assets | 2.0027% | 3,344 |
| Net interest margin | 3.3951% | 5,287 |
| Noninterest income to average assets | 0.3336% | 5,819 |
| Noninterest expense to average assets | 1.4616% | 7,903 |
| Loan and lease loss provision to assets | 0.0776% | 6,591 |
| Net operating income to assets | 1.5051% | 801 |
| Return on assets (ROA) | 1.5051% | 861 |
| Pretax return on assets | 1.8930% | 668 |
| Return on Equity (ROE) | 14.0100% | 927 |
| Retained earnings to average equity (ytd only) | 14.0100% | 193 |
| Net charge-offs to loans | 0.0681% | 6,009 |
| Credit loss provision to net charge-offs | 227.2727% | 1,919 |
| Earnings coverage of net charge-offs (x) | 57.7324% | 569 |
| Efficiency ratio | 42.5859% | 7,872 |
| Assets per employee ($millions) | 5.4059% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 6,234 |
| Loan loss allowance to noncurrent loans | 135.6495% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 6,506 |
| Noncurrent loans to loans | 0.7437% | 5,824 |
| Net loans and leases to total assets | 50.9365% | 6,703 |
| Net loans and leases to deposits | 61.7330% | 6,703 |
| Net loans and leases to core deposits | 87.0537% | 5,748 |
| Total domestic deposits to total assets | 82.5109% | 4,446 |
| Equity capital to assets | 11.6054% | 2,503 |
| Core capital (leverage) ratio | 10.9183% | 2,464 |
| Tier 1 risk-based capital ratio | 18.0144% | 1,985 |
| Total risk-based capital ratio | 18.8811% | 2,045 |
| Memoranda: | ||
| Average total assets | $85,929,750 | 5,556 |
| Average earning assets | $78,425,500 | 5,543 |
| Average equity | $9,231,250 | 5,579 |
| Average total loans | $43,077,500 | 6,020 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4126% | 5,078 |
| Cost of funding earning assets | 2.0584% | 3,483 |
| Net interest margin | 3.3542% | 5,341 |
| Noninterest income to average assets | 0.3289% | 5,881 |
| Noninterest expense to average assets | 1.5092% | 7,968 |
| Loan and lease loss provision to assets | 0.1166% | 5,972 |
| Net operating income to assets | 1.3856% | 1,053 |
| Return on assets (ROA) | 1.3856% | 1,125 |
| Pretax return on assets | 1.7704% | 894 |
| Return on Equity (ROE) | 13.2555% | 1,132 |
| Retained earnings to average equity (ytd only) | 13.2555% | 303 |
| Net charge-offs to loans | 0.1408% | 4,762 |
| Credit loss provision to net charge-offs | 166.6667% | 2,750 |
| Earnings coverage of net charge-offs (x) | 26.9667% | 1,068 |
| Efficiency ratio | 44.4368% | 7,911 |
| Assets per employee ($millions) | 5.3091% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 5,961 |
| Loan loss allowance to noncurrent loans | 109.7015% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.4732% | 6,255 |
| Noncurrent loans to loans | 0.9488% | 5,326 |
| Net loans and leases to total assets | 49.3608% | 6,926 |
| Net loans and leases to deposits | 59.1713% | 6,951 |
| Net loans and leases to core deposits | 84.3119% | 6,070 |
| Total domestic deposits to total assets | 83.4201% | 4,052 |
| Equity capital to assets | 10.8269% | 3,083 |
| Core capital (leverage) ratio | 10.5938% | 2,734 |
| Tier 1 risk-based capital ratio | 18.0169% | 2,019 |
| Total risk-based capital ratio | 18.9040% | 2,054 |
| Memoranda: | ||
| Average total assets | $85,741,670 | 5,588 |
| Average earning assets | $78,409,000 | 5,586 |
| Average equity | $8,962,330 | 5,697 |
| Average total loans | $42,601,330 | 6,085 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4393% | 5,233 |
| Cost of funding earning assets | 2.1383% | 3,473 |
| Net interest margin | 3.3010% | 5,499 |
| Noninterest income to average assets | 0.3436% | 5,704 |
| Noninterest expense to average assets | 1.4813% | 7,999 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5556% | 850 |
| Return on assets (ROA) | 1.5556% | 925 |
| Pretax return on assets | 1.8946% | 806 |
| Return on Equity (ROE) | 15.1498% | 954 |
| Retained earnings to average equity (ytd only) | 15.1498% | 400 |
| Net charge-offs to loans | -0.0562% | 7,731 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8790% | 7,933 |
| Assets per employee ($millions) | 5.0222% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 6,021 |
| Loan loss allowance to noncurrent loans | 93.0283% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5376% | 5,875 |
| Noncurrent loans to loans | 1.0986% | 4,789 |
| Net loans and leases to total assets | 48.4364% | 6,991 |
| Net loans and leases to deposits | 57.9821% | 7,041 |
| Net loans and leases to core deposits | 81.4488% | 6,268 |
| Total domestic deposits to total assets | 83.5367% | 3,907 |
| Equity capital to assets | 10.5788% | 3,387 |
| Core capital (leverage) ratio | 10.0641% | 3,332 |
| Tier 1 risk-based capital ratio | 17.7963% | 2,103 |
| Total risk-based capital ratio | 18.6702% | 2,153 |
| Memoranda: | ||
| Average total assets | $86,139,500 | 5,599 |
| Average earning assets | $79,128,500 | 5,581 |
| Average equity | $8,845,000 | 5,755 |
| Average total loans | $42,716,500 | 6,105 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8930% | 6,068 |
| Cost of funding earning assets | 2.6781% | 3,274 |
| Net interest margin | 3.2149% | 6,326 |
| Noninterest income to average assets | 0.3199% | 6,170 |
| Noninterest expense to average assets | 1.6230% | 7,942 |
| Loan and lease loss provision to assets | 0.0647% | 6,584 |
| Net operating income to assets | 1.2313% | 1,680 |
| Return on assets (ROA) | 1.2313% | 1,623 |
| Pretax return on assets | 1.6112% | 1,352 |
| Return on Equity (ROE) | 12.6175% | 1,421 |
| Retained earnings to average equity (ytd only) | 5.6158% | 1,705 |
| Net charge-offs to loans | 0.0821% | 5,593 |
| Credit loss provision to net charge-offs | 157.1429% | 3,308 |
| Earnings coverage of net charge-offs (x) | 40.7143% | 910 |
| Efficiency ratio | 49.1979% | 7,718 |
| Assets per employee ($millions) | 5.1118% | 1,822 |
| Cash dividends to net income (ytd only)* | 55.4919% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 6,302 |
| Loan loss allowance to noncurrent loans | 148.2394% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3268% | 6,299 |
| Noncurrent loans to loans | 0.6506% | 5,417 |
| Net loans and leases to total assets | 49.7474% | 7,052 |
| Net loans and leases to deposits | 59.0072% | 7,150 |
| Net loans and leases to core deposits | 88.1079% | 5,968 |
| Total domestic deposits to total assets | 84.3074% | 3,171 |
| Equity capital to assets | 9.9631% | 4,081 |
| Core capital (leverage) ratio | 9.6190% | 3,859 |
| Tier 1 risk-based capital ratio | 16.4658% | 2,500 |
| Total risk-based capital ratio | 17.2948% | 2,591 |
| Memoranda: | ||
| Average total assets | $85,028,800 | 5,518 |
| Average earning assets | $78,788,400 | 5,469 |
| Average equity | $8,298,000 | 5,978 |
| Average total loans | $42,605,600 | 6,042 |