Home > The Citizens Bank > Performance and Condition Ratios
The Citizens Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1964% | 1,667 |
| Cost of funding earning assets | 1.7980% | 1,250 |
| Net interest margin | 3.3984% | 2,407 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.5040% | 2,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2389% | 1,561 |
| Return on assets (ROA) | 1.2389% | 1,539 |
| Pretax return on assets | 1.2389% | 2,034 |
| Return on Equity (ROE) | 13.2300% | 1,670 |
| Retained earnings to average equity (ytd only) | 7.4619% | 1,728 |
| Net charge-offs to loans | 0.0565% | 1,291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 30.6753% | 1,622 |
| Efficiency ratio | 66.9002% | 2,242 |
| Assets per employee ($millions) | 6.3136% | 2,546 |
| Cash dividends to net income (ytd only)* | 43.6071% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 1,258 |
| Loan loss allowance to noncurrent loans | 71.9866% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.4408% | 271 |
| Noncurrent loans to loans | 1.9932% | 284 |
| Net loans and leases to total assets | 70.1800% | 1,792 |
| Net loans and leases to deposits | 79.7239% | 2,136 |
| Net loans and leases to core deposits | 85.5337% | 2,338 |
| Total domestic deposits to total assets | 88.0300% | 1,347 |
| Equity capital to assets | 10.1943% | 1,898 |
| Core capital (leverage) ratio | 12.8270% | 1,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $190,654,800 | 3,047 |
| Average earning assets | $179,586,000 | 3,010 |
| Average equity | $17,850,600 | 3,025 |
| Average total loans | $136,214,600 | 2,804 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1227% | 1,588 |
| Cost of funding earning assets | 1.6698% | 1,236 |
| Net interest margin | 3.4529% | 2,329 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.5379% | 2,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2868% | 1,573 |
| Return on assets (ROA) | 1.2868% | 1,561 |
| Pretax return on assets | 1.2868% | 2,082 |
| Return on Equity (ROE) | 14.0500% | 1,642 |
| Retained earnings to average equity (ytd only) | 7.3428% | 2,185 |
| Net charge-offs to loans | 0.0596% | 1,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 30.2131% | 1,591 |
| Efficiency ratio | 66.3563% | 2,233 |
| Assets per employee ($millions) | 6.3965% | 2,404 |
| Cash dividends to net income (ytd only)* | 47.7482% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 1,497 |
| Loan loss allowance to noncurrent loans | 117.6010% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.8869% | 610 |
| Noncurrent loans to loans | 1.1797% | 665 |
| Net loans and leases to total assets | 72.2700% | 1,544 |
| Net loans and leases to deposits | 85.9806% | 1,578 |
| Net loans and leases to core deposits | 91.8376% | 1,807 |
| Total domestic deposits to total assets | 84.0500% | 2,760 |
| Equity capital to assets | 8.7736% | 2,550 |
| Core capital (leverage) ratio | 12.3296% | 1,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $190,966,250 | 3,051 |
| Average earning assets | $180,212,750 | 3,014 |
| Average equity | $17,486,000 | 3,040 |
| Average total loans | $136,554,000 | 2,810 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0097% | 1,547 |
| Cost of funding earning assets | 1.5250% | 1,201 |
| Net interest margin | 3.4847% | 2,297 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.4568% | 2,325 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4340% | 1,251 |
| Return on assets (ROA) | 1.4340% | 1,239 |
| Pretax return on assets | 1.4340% | 1,739 |
| Return on Equity (ROE) | 15.4400% | 1,379 |
| Retained earnings to average equity (ytd only) | 6.6318% | 2,405 |
| Net charge-offs to loans | 0.0607% | 941 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 33.3415% | 1,500 |
| Efficiency ratio | 63.1437% | 2,576 |
| Assets per employee ($millions) | 6.3723% | 2,412 |
| Cash dividends to net income (ytd only)* | 57.0593% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 1,435 |
| Loan loss allowance to noncurrent loans | 354.0395% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.3034% | 1,706 |
| Noncurrent loans to loans | 0.4022% | 1,726 |
| Net loans and leases to total assets | 71.4200% | 1,592 |
| Net loans and leases to deposits | 80.8536% | 1,912 |
| Net loans and leases to core deposits | 85.6017% | 2,100 |
| Total domestic deposits to total assets | 88.3300% | 1,482 |
| Equity capital to assets | 9.3362% | 2,282 |
| Core capital (leverage) ratio | 12.2426% | 1,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $190,657,000 | 3,064 |
| Average earning assets | $179,931,333 | 3,029 |
| Average equity | $17,702,667 | 3,047 |
| Average total loans | $135,197,333 | 2,820 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3149% | 1,022 |
| Cost of funding earning assets | 0.6548% | 704 |
| Net interest margin | 3.6601% | 1,475 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.4425% | 2,295 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.4513% | 1,004 |
| Return on assets (ROA) | 1.4651% | 930 |
| Pretax return on assets | 1.4651% | 1,557 |
| Return on Equity (ROE) | 15.6500% | 1,112 |
| Retained earnings to average equity (ytd only) | 11.6869% | 734 |
| Net charge-offs to loans | 0.0296% | 1,473 |
| Credit loss provision to net charge-offs | 276.3158% | 953 |
| Earnings coverage of net charge-offs (x) | 74.8158% | 1,123 |
| Efficiency ratio | 61.8440% | 2,785 |
| Assets per employee ($millions) | 6.2536% | 2,551 |
| Cash dividends to net income (ytd only)* | 25.3256% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 1,169 |
| Loan loss allowance to noncurrent loans | 100.4993% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.0836% | 390 |
| Noncurrent loans to loans | 1.5041% | 432 |
| Net loans and leases to total assets | 69.9100% | 1,649 |
| Net loans and leases to deposits | 77.3534% | 2,010 |
| Net loans and leases to core deposits | 80.2044% | 2,123 |
| Total domestic deposits to total assets | 90.3800% | 1,209 |
| Equity capital to assets | 9.1174% | 2,283 |
| Core capital (leverage) ratio | 9.1208% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $188,656,600 | 3,114 |
| Average earning assets | $177,616,000 | 3,083 |
| Average equity | $17,660,800 | 3,152 |
| Average total loans | $128,279,200 | 2,847 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1877% | 911 |
| Cost of funding earning assets | 0.5118% | 716 |
| Net interest margin | 3.6758% | 1,204 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.4003% | 2,326 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.4898% | 874 |
| Return on assets (ROA) | 1.5082% | 812 |
| Pretax return on assets | 1.5082% | 1,386 |
| Return on Equity (ROE) | 16.0100% | 974 |
| Retained earnings to average equity (ytd only) | 11.5879% | 894 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.5483% | 3,045 |
| Assets per employee ($millions) | 6.3662% | 2,430 |
| Cash dividends to net income (ytd only)* | 27.6088% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 1,399 |
| Loan loss allowance to noncurrent loans | 149.4169% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.7357% | 694 |
| Noncurrent loans to loans | 0.9816% | 796 |
| Net loans and leases to total assets | 72.1100% | 1,285 |
| Net loans and leases to deposits | 85.4991% | 1,201 |
| Net loans and leases to core deposits | 86.6181% | 1,493 |
| Total domestic deposits to total assets | 84.3400% | 3,420 |
| Equity capital to assets | 8.1158% | 2,827 |
| Core capital (leverage) ratio | 8.2066% | 4,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $188,918,750 | 3,139 |
| Average earning assets | $177,914,250 | 3,102 |
| Average equity | $17,799,750 | 3,174 |
| Average total loans | $127,057,000 | 2,856 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9960% | 944 |
| Cost of funding earning assets | 0.4359% | 740 |
| Net interest margin | 3.5602% | 1,156 |
| Noninterest income to average assets | 0.4962% | 2,221 |
| Noninterest expense to average assets | 2.3737% | 2,325 |
| Loan and lease loss provision to assets | 0.1116% | 897 |
| Net operating income to assets | 1.3696% | 980 |
| Return on assets (ROA) | 1.3972% | 889 |
| Pretax return on assets | 1.3972% | 1,447 |
| Return on Equity (ROE) | 14.1654% | 1,073 |
| Retained earnings to average equity (ytd only) | 8.3484% | 1,491 |
| Net charge-offs to loans | -0.0163% | 3,787 |
| Credit loss provision to net charge-offs | -1,050.0000% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5766% | 3,094 |
| Assets per employee ($millions) | 6.1394% | 2,623 |
| Cash dividends to net income (ytd only)* | 41.0646% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 1,189 |
| Loan loss allowance to noncurrent loans | 156.8926% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 732 |
| Noncurrent loans to loans | 1.0092% | 825 |
| Net loans and leases to total assets | 69.5197% | 1,342 |
| Net loans and leases to deposits | 77.0525% | 1,602 |
| Net loans and leases to core deposits | 78.3285% | 1,837 |
| Total domestic deposits to total assets | 90.2237% | 1,624 |
| Equity capital to assets | 9.0693% | 2,344 |
| Core capital (leverage) ratio | 11.4198% | 1,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,229,667 | 3,175 |
| Average earning assets | $177,575,667 | 3,152 |
| Average equity | $18,566,333 | 3,180 |
| Average total loans | $122,816,667 | 2,916 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8575% | 991 |
| Cost of funding earning assets | 0.4020% | 858 |
| Net interest margin | 3.4555% | 1,173 |
| Noninterest income to average assets | 0.4836% | 2,217 |
| Noninterest expense to average assets | 2.0730% | 3,244 |
| Loan and lease loss provision to assets | 0.2208% | 317 |
| Net operating income to assets | 1.4612% | 692 |
| Return on assets (ROA) | 1.5159% | 597 |
| Pretax return on assets | 1.5159% | 986 |
| Return on Equity (ROE) | 14.7916% | 687 |
| Retained earnings to average equity (ytd only) | 7.4061% | 1,764 |
| Net charge-offs to loans | 0.0638% | 689 |
| Credit loss provision to net charge-offs | 552.6316% | 486 |
| Earnings coverage of net charge-offs (x) | 42.1053% | 992 |
| Efficiency ratio | 55.2072% | 3,952 |
| Assets per employee ($millions) | 6.4505% | 2,419 |
| Cash dividends to net income (ytd only)* | 49.9307% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6917% | 1,071 |
| Loan loss allowance to noncurrent loans | 147.6017% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 767 |
| Noncurrent loans to loans | 1.1461% | 776 |
| Net loans and leases to total assets | 60.9899% | 1,963 |
| Net loans and leases to deposits | 67.7742% | 2,182 |
| Net loans and leases to core deposits | 68.8435% | 2,382 |
| Total domestic deposits to total assets | 89.9899% | 1,569 |
| Equity capital to assets | 9.4262% | 2,341 |
| Core capital (leverage) ratio | 10.9819% | 1,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,254,000 | 3,171 |
| Average earning assets | $180,118,500 | 3,139 |
| Average equity | $19,497,500 | 3,187 |
| Average total loans | $119,174,000 | 2,950 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3273% | 814 |
| Cost of funding earning assets | 0.5220% | 833 |
| Net interest margin | 3.8053% | 998 |
| Noninterest income to average assets | 0.5595% | 2,323 |
| Noninterest expense to average assets | 2.4821% | 2,234 |
| Loan and lease loss provision to assets | 0.2428% | 398 |
| Net operating income to assets | 1.4081% | 1,250 |
| Return on assets (ROA) | 1.4214% | 1,276 |
| Pretax return on assets | 1.4214% | 1,975 |
| Return on Equity (ROE) | 12.2386% | 1,733 |
| Retained earnings to average equity (ytd only) | 8.6053% | 1,315 |
| Net charge-offs to loans | 0.0205% | 1,866 |
| Credit loss provision to net charge-offs | 1,826.0870% | 332 |
| Earnings coverage of net charge-offs (x) | 124.1739% | 762 |
| Efficiency ratio | 60.0559% | 3,136 |
| Assets per employee ($millions) | 6.2331% | 2,544 |
| Cash dividends to net income (ytd only)* | 29.6869% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6442% | 1,168 |
| Loan loss allowance to noncurrent loans | 150.7752% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.7123% | 883 |
| Noncurrent loans to loans | 1.0905% | 889 |
| Net loans and leases to total assets | 62.2202% | 1,911 |
| Net loans and leases to deposits | 70.4260% | 2,087 |
| Net loans and leases to core deposits | 71.5966% | 2,294 |
| Total domestic deposits to total assets | 88.3483% | 1,853 |
| Equity capital to assets | 11.0988% | 1,740 |
| Core capital (leverage) ratio | 11.2104% | 1,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,998,200 | 3,269 |
| Average earning assets | $162,455,800 | 3,250 |
| Average equity | $20,092,200 | 3,210 |
| Average total loans | $112,344,800 | 3,038 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4551% | 727 |
| Cost of funding earning assets | 0.5606% | 790 |
| Net interest margin | 3.8946% | 947 |
| Noninterest income to average assets | 0.5915% | 2,244 |
| Noninterest expense to average assets | 2.4574% | 2,250 |
| Loan and lease loss provision to assets | 0.2478% | 371 |
| Net operating income to assets | 1.5370% | 1,175 |
| Return on assets (ROA) | 1.5551% | 1,181 |
| Pretax return on assets | 1.5551% | 1,834 |
| Return on Equity (ROE) | 13.2281% | 1,634 |
| Retained earnings to average equity (ytd only) | 9.1466% | 1,638 |
| Net charge-offs to loans | -0.0024% | 3,258 |
| Credit loss provision to net charge-offs | -15,750.0000% | 4,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9269% | 3,270 |
| Assets per employee ($millions) | 5.8850% | 2,805 |
| Cash dividends to net income (ytd only)* | 30.8548% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 1,376 |
| Loan loss allowance to noncurrent loans | 572.3926% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 2,642 |
| Noncurrent loans to loans | 0.2768% | 2,810 |
| Net loans and leases to total assets | 65.6435% | 1,583 |
| Net loans and leases to deposits | 75.0117% | 1,762 |
| Net loans and leases to core deposits | 76.1948% | 2,030 |
| Total domestic deposits to total assets | 87.5111% | 2,104 |
| Equity capital to assets | 11.6795% | 1,550 |
| Core capital (leverage) ratio | 11.5601% | 1,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,499,250 | 3,339 |
| Average earning assets | $158,883,750 | 3,318 |
| Average equity | $19,926,750 | 3,256 |
| Average total loans | $110,857,750 | 3,103 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4871% | 740 |
| Cost of funding earning assets | 0.5950% | 767 |
| Net interest margin | 3.8920% | 986 |
| Noninterest income to average assets | 0.4882% | 2,676 |
| Noninterest expense to average assets | 2.4637% | 2,261 |
| Loan and lease loss provision to assets | 0.2513% | 390 |
| Net operating income to assets | 1.4203% | 1,516 |
| Return on assets (ROA) | 1.4526% | 1,484 |
| Pretax return on assets | 1.4526% | 2,165 |
| Return on Equity (ROE) | 12.3276% | 1,938 |
| Retained earnings to average equity (ytd only) | 8.1642% | 2,018 |
| Net charge-offs to loans | -0.0092% | 3,642 |
| Credit loss provision to net charge-offs | -4,200.0000% | 3,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5775% | 3,070 |
| Assets per employee ($millions) | 4.6703% | 3,958 |
| Cash dividends to net income (ytd only)* | 33.7727% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5630% | 1,383 |
| Loan loss allowance to noncurrent loans | 579.9342% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 2,769 |
| Noncurrent loans to loans | 0.2695% | 2,972 |
| Net loans and leases to total assets | 66.0390% | 1,693 |
| Net loans and leases to deposits | 75.7794% | 1,846 |
| Net loans and leases to core deposits | 76.8372% | 2,158 |
| Total domestic deposits to total assets | 87.1463% | 2,240 |
| Equity capital to assets | 11.9383% | 1,398 |
| Core capital (leverage) ratio | 11.4323% | 1,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,149,333 | 3,365 |
| Average earning assets | $156,627,667 | 3,346 |
| Average equity | $19,695,667 | 3,273 |
| Average total loans | $108,557,333 | 3,142 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2796% | 1,074 |
| Cost of funding earning assets | 0.6432% | 724 |
| Net interest margin | 3.6364% | 1,485 |
| Noninterest income to average assets | 0.4704% | 2,751 |
| Noninterest expense to average assets | 2.4169% | 2,448 |
| Loan and lease loss provision to assets | 0.2520% | 413 |
| Net operating income to assets | 1.2073% | 2,114 |
| Return on assets (ROA) | 1.2625% | 2,015 |
| Pretax return on assets | 1.2625% | 2,672 |
| Return on Equity (ROE) | 10.7856% | 2,426 |
| Retained earnings to average equity (ytd only) | 6.4796% | 2,738 |
| Net charge-offs to loans | -0.0564% | 4,442 |
| Credit loss provision to net charge-offs | -700.0000% | 3,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3529% | 2,693 |
| Assets per employee ($millions) | 5.2086% | 3,423 |
| Cash dividends to net income (ytd only)* | 39.9240% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 1,504 |
| Loan loss allowance to noncurrent loans | 667.2000% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 3,171 |
| Noncurrent loans to loans | 0.2293% | 3,280 |
| Net loans and leases to total assets | 62.4500% | 2,238 |
| Net loans and leases to deposits | 71.0548% | 2,413 |
| Net loans and leases to core deposits | 72.0148% | 2,702 |
| Total domestic deposits to total assets | 87.8900% | 1,901 |
| Equity capital to assets | 11.2879% | 1,666 |
| Core capital (leverage) ratio | 11.4670% | 1,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,658,500 | 3,372 |
| Average earning assets | $156,088,000 | 3,349 |
| Average equity | $19,507,500 | 3,280 |
| Average total loans | $106,438,500 | 3,181 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6117% | 1,079 |
| Cost of funding earning assets | 1.0340% | 522 |
| Net interest margin | 3.5777% | 2,223 |
| Noninterest income to average assets | 0.5521% | 2,413 |
| Noninterest expense to average assets | 2.7087% | 2,215 |
| Loan and lease loss provision to assets | 0.2784% | 1,373 |
| Net operating income to assets | 0.8947% | 2,722 |
| Return on assets (ROA) | 1.0545% | 2,226 |
| Pretax return on assets | 1.0545% | 2,863 |
| Return on Equity (ROE) | 8.3828% | 2,658 |
| Retained earnings to average equity (ytd only) | 5.1951% | 2,189 |
| Net charge-offs to loans | 0.1254% | 1,252 |
| Credit loss provision to net charge-offs | 323.0769% | 1,661 |
| Earnings coverage of net charge-offs (x) | 13.6154% | 2,269 |
| Efficiency ratio | 69.7798% | 1,977 |
| Assets per employee ($millions) | 4.8919% | 3,513 |
| Cash dividends to net income (ytd only)* | 38.0264% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 1,620 |
| Loan loss allowance to noncurrent loans | 433.6134% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 3,014 |
| Noncurrent loans to loans | 0.3437% | 2,976 |
| Net loans and leases to total assets | 63.3819% | 2,445 |
| Net loans and leases to deposits | 72.8407% | 2,605 |
| Net loans and leases to core deposits | 74.4519% | 2,870 |
| Total domestic deposits to total assets | 87.0145% | 1,941 |
| Equity capital to assets | 12.1492% | 1,500 |
| Core capital (leverage) ratio | 11.8895% | 1,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,884,200 | 3,399 |
| Average earning assets | $140,425,000 | 3,379 |
| Average equity | $18,979,400 | 3,283 |
| Average total loans | $103,635,200 | 3,187 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7499% | 967 |
| Cost of funding earning assets | 1.1136% | 510 |
| Net interest margin | 3.6363% | 2,136 |
| Noninterest income to average assets | 0.5909% | 2,213 |
| Noninterest expense to average assets | 2.7881% | 2,001 |
| Loan and lease loss provision to assets | 0.2833% | 1,422 |
| Net operating income to assets | 0.9057% | 2,679 |
| Return on assets (ROA) | 1.1224% | 2,025 |
| Pretax return on assets | 1.1224% | 2,673 |
| Return on Equity (ROE) | 8.8410% | 2,462 |
| Retained earnings to average equity (ytd only) | 5.4052% | 2,374 |
| Net charge-offs to loans | 0.1377% | 1,055 |
| Credit loss provision to net charge-offs | 294.3925% | 1,781 |
| Earnings coverage of net charge-offs (x) | 12.3551% | 2,253 |
| Efficiency ratio | 70.1040% | 1,872 |
| Assets per employee ($millions) | 4.6316% | 3,680 |
| Cash dividends to net income (ytd only)* | 38.8622% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 1,918 |
| Loan loss allowance to noncurrent loans | 340.1392% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 2,645 |
| Noncurrent loans to loans | 0.3993% | 2,862 |
| Net loans and leases to total assets | 69.6606% | 2,009 |
| Net loans and leases to deposits | 80.9039% | 2,208 |
| Net loans and leases to core deposits | 82.8093% | 2,596 |
| Total domestic deposits to total assets | 86.1028% | 2,019 |
| Equity capital to assets | 12.6848% | 1,339 |
| Core capital (leverage) ratio | 12.2595% | 1,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,246,750 | 3,413 |
| Average earning assets | $138,047,250 | 3,391 |
| Average equity | $18,821,000 | 3,297 |
| Average total loans | $103,577,000 | 3,192 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7225% | 1,356 |
| Cost of funding earning assets | 1.1898% | 520 |
| Net interest margin | 3.5327% | 2,696 |
| Noninterest income to average assets | 0.6707% | 1,852 |
| Noninterest expense to average assets | 2.8463% | 1,985 |
| Loan and lease loss provision to assets | 0.2863% | 1,498 |
| Net operating income to assets | 0.8329% | 2,923 |
| Return on assets (ROA) | 1.1614% | 1,887 |
| Pretax return on assets | 1.1614% | 2,493 |
| Return on Equity (ROE) | 9.1456% | 2,296 |
| Retained earnings to average equity (ytd only) | 5.3886% | 2,316 |
| Net charge-offs to loans | 0.1058% | 1,230 |
| Credit loss provision to net charge-offs | 388.8889% | 1,429 |
| Earnings coverage of net charge-offs (x) | 15.2037% | 1,921 |
| Efficiency ratio | 71.7772% | 1,719 |
| Assets per employee ($millions) | 4.5972% | 3,655 |
| Cash dividends to net income (ytd only)* | 41.0798% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 2,101 |
| Loan loss allowance to noncurrent loans | 81.2644% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.2663% | 841 |
| Noncurrent loans to loans | 1.5746% | 948 |
| Net loans and leases to total assets | 71.9082% | 1,729 |
| Net loans and leases to deposits | 83.2880% | 2,066 |
| Net loans and leases to core deposits | 84.9153% | 2,531 |
| Total domestic deposits to total assets | 86.3367% | 1,874 |
| Equity capital to assets | 12.5928% | 1,340 |
| Core capital (leverage) ratio | 12.3126% | 1,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0979% | 1,036 |
| Memoranda: | ||
| Average total assets | $146,714,333 | 3,408 |
| Average earning assets | $136,834,333 | 3,390 |
| Average equity | $18,632,000 | 3,311 |
| Average total loans | $102,123,333 | 3,202 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8032% | 1,410 |
| Cost of funding earning assets | 1.3183% | 540 |
| Net interest margin | 3.4848% | 3,033 |
| Noninterest income to average assets | 0.5908% | 2,076 |
| Noninterest expense to average assets | 2.7569% | 2,556 |
| Loan and lease loss provision to assets | 0.2912% | 1,063 |
| Net operating income to assets | 0.7905% | 2,937 |
| Return on assets (ROA) | 1.2980% | 1,344 |
| Pretax return on assets | 1.2980% | 1,877 |
| Return on Equity (ROE) | 10.1761% | 1,687 |
| Retained earnings to average equity (ytd only) | 9.7412% | 796 |
| Net charge-offs to loans | 0.1470% | 868 |
| Credit loss provision to net charge-offs | 291.6667% | 1,202 |
| Earnings coverage of net charge-offs (x) | 10.8333% | 1,749 |
| Efficiency ratio | 71.8208% | 2,102 |
| Assets per employee ($millions) | 4.3720% | 3,444 |
| Cash dividends to net income (ytd only)* | 4.2735% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 1,987 |
| Loan loss allowance to noncurrent loans | 86.3370% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.2178% | 1,007 |
| Noncurrent loans to loans | 1.5449% | 1,023 |
| Net loans and leases to total assets | 68.0351% | 2,533 |
| Net loans and leases to deposits | 78.9104% | 2,786 |
| Net loans and leases to core deposits | 81.2090% | 3,095 |
| Total domestic deposits to total assets | 86.2182% | 1,910 |
| Equity capital to assets | 12.8482% | 1,524 |
| Core capital (leverage) ratio | 12.7738% | 1,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3070% | 830 |
| Memoranda: | ||
| Average total assets | $144,218,500 | 3,408 |
| Average earning assets | $134,410,500 | 3,390 |
| Average equity | $18,396,000 | 3,333 |
| Average total loans | $97,933,500 | 3,251 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1399% | 1,132 |
| Cost of funding earning assets | 1.3866% | 591 |
| Net interest margin | 3.7534% | 2,653 |
| Noninterest income to average assets | 0.8303% | 1,359 |
| Noninterest expense to average assets | 2.9396% | 2,170 |
| Loan and lease loss provision to assets | 0.3006% | 558 |
| Net operating income to assets | 1.0543% | 2,639 |
| Return on assets (ROA) | 1.0507% | 2,749 |
| Pretax return on assets | 1.0507% | 3,330 |
| Return on Equity (ROE) | 8.4185% | 2,977 |
| Retained earnings to average equity (ytd only) | 6.9275% | 1,420 |
| Net charge-offs to loans | 0.3298% | 630 |
| Credit loss provision to net charge-offs | 129.2308% | 1,977 |
| Earnings coverage of net charge-offs (x) | 5.8246% | 3,039 |
| Efficiency ratio | 68.4500% | 2,397 |
| Assets per employee ($millions) | 4.3685% | 3,414 |
| Cash dividends to net income (ytd only)* | 17.7112% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 1,898 |
| Loan loss allowance to noncurrent loans | 122.7317% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.8546% | 1,504 |
| Noncurrent loans to loans | 1.0635% | 1,421 |
| Net loans and leases to total assets | 65.9843% | 2,957 |
| Net loans and leases to deposits | 76.3807% | 3,142 |
| Net loans and leases to core deposits | 78.5920% | 3,408 |
| Total domestic deposits to total assets | 86.3887% | 1,890 |
| Equity capital to assets | 12.6630% | 1,728 |
| Core capital (leverage) ratio | 12.4249% | 1,527 |
| Tier 1 risk-based capital ratio | 18.3929% | 1,666 |
| Total risk-based capital ratio | 19.6548% | 1,629 |
| Memoranda: | ||
| Average total assets | $139,713,800 | 3,440 |
| Average earning assets | $128,951,400 | 3,443 |
| Average equity | $17,437,800 | 3,395 |
| Average total loans | $98,533,200 | 3,247 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2316% | 974 |
| Cost of funding earning assets | 1.4036% | 579 |
| Net interest margin | 3.8280% | 2,509 |
| Noninterest income to average assets | 0.9023% | 1,133 |
| Noninterest expense to average assets | 3.0186% | 1,923 |
| Loan and lease loss provision to assets | 0.3030% | 486 |
| Net operating income to assets | 1.1014% | 2,560 |
| Return on assets (ROA) | 1.0966% | 2,677 |
| Pretax return on assets | 1.0966% | 3,304 |
| Return on Equity (ROE) | 8.8198% | 2,951 |
| Retained earnings to average equity (ytd only) | 7.7367% | 1,525 |
| Net charge-offs to loans | 0.3876% | 430 |
| Credit loss provision to net charge-offs | 109.3750% | 2,102 |
| Earnings coverage of net charge-offs (x) | 5.0695% | 2,957 |
| Efficiency ratio | 68.2471% | 2,372 |
| Assets per employee ($millions) | 4.2074% | 3,604 |
| Cash dividends to net income (ytd only)* | 12.2806% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 2,527 |
| Loan loss allowance to noncurrent loans | 132.5167% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.8355% | 1,647 |
| Noncurrent loans to loans | 0.9032% | 1,770 |
| Net loans and leases to total assets | 70.7533% | 2,367 |
| Net loans and leases to deposits | 82.5450% | 2,615 |
| Net loans and leases to core deposits | 85.2743% | 2,968 |
| Total domestic deposits to total assets | 85.7148% | 2,115 |
| Equity capital to assets | 13.0716% | 1,588 |
| Core capital (leverage) ratio | 12.5548% | 1,546 |
| Tier 1 risk-based capital ratio | 17.8506% | 1,862 |
| Total risk-based capital ratio | 19.0604% | 1,819 |
| Memoranda: | ||
| Average total assets | $138,602,250 | 3,488 |
| Average earning assets | $127,479,250 | 3,497 |
| Average equity | $17,233,500 | 3,439 |
| Average total loans | $99,071,250 | 3,281 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1437% | 1,120 |
| Cost of funding earning assets | 1.3693% | 599 |
| Net interest margin | 3.7744% | 2,673 |
| Noninterest income to average assets | 1.0453% | 791 |
| Noninterest expense to average assets | 3.0176% | 1,961 |
| Loan and lease loss provision to assets | 0.3032% | 454 |
| Net operating income to assets | 1.1868% | 2,196 |
| Return on assets (ROA) | 1.1796% | 2,299 |
| Pretax return on assets | 1.1796% | 2,974 |
| Return on Equity (ROE) | 9.6525% | 2,555 |
| Retained earnings to average equity (ytd only) | 8.7664% | 1,105 |
| Net charge-offs to loans | 0.3780% | 438 |
| Credit loss provision to net charge-offs | 112.2995% | 1,823 |
| Earnings coverage of net charge-offs (x) | 5.5187% | 2,648 |
| Efficiency ratio | 66.9443% | 2,692 |
| Assets per employee ($millions) | 4.4936% | 3,150 |
| Cash dividends to net income (ytd only)* | 9.1799% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 2,576 |
| Loan loss allowance to noncurrent loans | 152.2465% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.7775% | 1,792 |
| Noncurrent loans to loans | 0.7819% | 2,031 |
| Net loans and leases to total assets | 68.4641% | 2,758 |
| Net loans and leases to deposits | 80.9066% | 2,856 |
| Net loans and leases to core deposits | 83.5098% | 3,152 |
| Total domestic deposits to total assets | 84.6212% | 2,632 |
| Equity capital to assets | 12.3600% | 1,932 |
| Core capital (leverage) ratio | 12.2955% | 1,641 |
| Tier 1 risk-based capital ratio | 17.2827% | 2,001 |
| Total risk-based capital ratio | 18.4645% | 1,974 |
| Memoranda: | ||
| Average total assets | $138,522,000 | 3,510 |
| Average earning assets | $127,068,000 | 3,517 |
| Average equity | $16,928,330 | 3,469 |
| Average total loans | $98,953,000 | 3,301 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0932% | 1,108 |
| Cost of funding earning assets | 1.3515% | 550 |
| Net interest margin | 3.7417% | 2,740 |
| Noninterest income to average assets | 0.6093% | 2,006 |
| Noninterest expense to average assets | 2.9348% | 2,173 |
| Loan and lease loss provision to assets | 0.3091% | 414 |
| Net operating income to assets | 0.7801% | 3,683 |
| Return on assets (ROA) | 0.7654% | 3,774 |
| Pretax return on assets | 0.7654% | 4,130 |
| Return on Equity (ROE) | 6.3007% | 3,917 |
| Retained earnings to average equity (ytd only) | 5.0891% | 2,871 |
| Net charge-offs to loans | 0.4543% | 336 |
| Credit loss provision to net charge-offs | 93.7500% | 1,682 |
| Earnings coverage of net charge-offs (x) | 3.3036% | 2,415 |
| Efficiency ratio | 72.9334% | 1,890 |
| Assets per employee ($millions) | 4.3013% | 3,483 |
| Cash dividends to net income (ytd only)* | 19.2308% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 2,781 |
| Loan loss allowance to noncurrent loans | 175.7991% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.8224% | 1,727 |
| Noncurrent loans to loans | 0.6613% | 2,363 |
| Net loans and leases to total assets | 71.3428% | 2,279 |
| Net loans and leases to deposits | 85.7009% | 2,168 |
| Net loans and leases to core deposits | 89.3293% | 2,572 |
| Total domestic deposits to total assets | 83.2463% | 3,298 |
| Equity capital to assets | 12.2456% | 1,878 |
| Core capital (leverage) ratio | 12.5131% | 1,506 |
| Tier 1 risk-based capital ratio | 17.0847% | 2,084 |
| Total risk-based capital ratio | 18.2593% | 2,055 |
| Memoranda: | ||
| Average total assets | $135,885,500 | 3,578 |
| Average earning assets | $124,008,500 | 3,600 |
| Average equity | $16,506,000 | 3,532 |
| Average total loans | $98,612,500 | 3,344 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0878% | 870 |
| Cost of funding earning assets | 0.9046% | 1,068 |
| Net interest margin | 4.1832% | 1,439 |
| Noninterest income to average assets | 0.6005% | 2,287 |
| Noninterest expense to average assets | 3.3823% | 1,180 |
| Loan and lease loss provision to assets | 0.3336% | 467 |
| Net operating income to assets | 0.7197% | 4,081 |
| Return on assets (ROA) | 0.7197% | 4,086 |
| Pretax return on assets | 0.7197% | 4,362 |
| Return on Equity (ROE) | 5.3934% | 4,356 |
| Retained earnings to average equity (ytd only) | 1.7025% | 4,466 |
| Net charge-offs to loans | 0.5802% | 295 |
| Credit loss provision to net charge-offs | 80.1527% | 2,861 |
| Earnings coverage of net charge-offs (x) | 2.5305% | 3,507 |
| Efficiency ratio | 76.2536% | 1,327 |
| Assets per employee ($millions) | 3.9485% | 3,962 |
| Cash dividends to net income (ytd only)* | 68.4327% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 2,657 |
| Loan loss allowance to noncurrent loans | 159.5598% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.9557% | 1,430 |
| Noncurrent loans to loans | 0.7417% | 2,144 |
| Net loans and leases to total assets | 72.1441% | 2,233 |
| Net loans and leases to deposits | 98.3419% | 867 |
| Net loans and leases to core deposits | 103.1965% | 1,490 |
| Total domestic deposits to total assets | 73.3605% | 4,984 |
| Equity capital to assets | 12.6415% | 1,516 |
| Core capital (leverage) ratio | 13.5085% | 1,075 |
| Tier 1 risk-based capital ratio | 17.7282% | 1,836 |
| Total risk-based capital ratio | 18.9080% | 1,811 |
| Memoranda: | ||
| Average total assets | $125,890,200 | 3,700 |
| Average earning assets | $115,414,000 | 3,728 |
| Average equity | $16,798,400 | 3,425 |
| Average total loans | $90,317,000 | 3,476 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0809% | 795 |
| Cost of funding earning assets | 0.8159% | 1,256 |
| Net interest margin | 4.2650% | 1,193 |
| Noninterest income to average assets | 0.5708% | 2,470 |
| Noninterest expense to average assets | 3.3074% | 1,285 |
| Loan and lease loss provision to assets | 0.3392% | 408 |
| Net operating income to assets | 0.8368% | 3,789 |
| Return on assets (ROA) | 0.8368% | 3,795 |
| Pretax return on assets | 0.8368% | 4,204 |
| Return on Equity (ROE) | 6.1830% | 4,207 |
| Retained earnings to average equity (ytd only) | 2.4429% | 4,425 |
| Net charge-offs to loans | 0.1674% | 987 |
| Credit loss provision to net charge-offs | 283.7838% | 1,066 |
| Earnings coverage of net charge-offs (x) | 9.8376% | 2,623 |
| Efficiency ratio | 73.7689% | 1,629 |
| Assets per employee ($millions) | 3.7534% | 4,232 |
| Cash dividends to net income (ytd only)* | 60.4892% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5851% | 1,110 |
| Loan loss allowance to noncurrent loans | 193.0355% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.7632% | 1,947 |
| Noncurrent loans to loans | 0.8211% | 2,063 |
| Net loans and leases to total assets | 71.4726% | 2,413 |
| Net loans and leases to deposits | 96.7807% | 1,065 |
| Net loans and leases to core deposits | 101.4064% | 1,659 |
| Total domestic deposits to total assets | 73.8500% | 4,991 |
| Equity capital to assets | 13.0620% | 1,307 |
| Core capital (leverage) ratio | 13.8539% | 978 |
| Tier 1 risk-based capital ratio | 18.9405% | 1,551 |
| Total risk-based capital ratio | 20.2059% | 1,519 |
| Memoranda: | ||
| Average total assets | $123,800,750 | 3,768 |
| Average earning assets | $113,573,000 | 3,788 |
| Average equity | $16,755,250 | 3,446 |
| Average total loans | $88,393,250 | 3,540 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0083% | 801 |
| Cost of funding earning assets | 0.7289% | 1,474 |
| Net interest margin | 4.2794% | 1,080 |
| Noninterest income to average assets | 0.5452% | 2,597 |
| Noninterest expense to average assets | 3.3037% | 1,312 |
| Loan and lease loss provision to assets | 0.3428% | 387 |
| Net operating income to assets | 0.8276% | 3,763 |
| Return on assets (ROA) | 0.8276% | 3,767 |
| Pretax return on assets | 0.8276% | 4,167 |
| Return on Equity (ROE) | 6.0415% | 4,224 |
| Retained earnings to average equity (ytd only) | 1.2393% | 4,706 |
| Net charge-offs to loans | 0.2645% | 607 |
| Credit loss provision to net charge-offs | 182.6087% | 1,393 |
| Earnings coverage of net charge-offs (x) | 6.2348% | 2,648 |
| Efficiency ratio | 73.8417% | 1,728 |
| Assets per employee ($millions) | 3.6959% | 4,355 |
| Cash dividends to net income (ytd only)* | 79.4872% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 1,397 |
| Loan loss allowance to noncurrent loans | 68.3576% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.7603% | 677 |
| Noncurrent loans to loans | 2.1941% | 635 |
| Net loans and leases to total assets | 71.1316% | 2,418 |
| Net loans and leases to deposits | 95.4223% | 1,208 |
| Net loans and leases to core deposits | 100.2715% | 1,715 |
| Total domestic deposits to total assets | 74.5440% | 4,995 |
| Equity capital to assets | 13.3280% | 1,171 |
| Core capital (leverage) ratio | 14.0401% | 905 |
| Tier 1 risk-based capital ratio | 19.3473% | 1,466 |
| Total risk-based capital ratio | 20.6160% | 1,424 |
| Memoranda: | ||
| Average total assets | $122,529,670 | 3,816 |
| Average earning assets | $112,493,000 | 3,838 |
| Average equity | $16,784,000 | 3,463 |
| Average total loans | $86,965,000 | 3,584 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8736% | 921 |
| Cost of funding earning assets | 0.6340% | 1,818 |
| Net interest margin | 4.2396% | 1,080 |
| Noninterest income to average assets | 0.5555% | 2,496 |
| Noninterest expense to average assets | 3.3200% | 1,311 |
| Loan and lease loss provision to assets | 0.3472% | 351 |
| Net operating income to assets | 0.7804% | 3,788 |
| Return on assets (ROA) | 0.7804% | 3,786 |
| Pretax return on assets | 0.7804% | 4,201 |
| Return on Equity (ROE) | 5.6184% | 4,276 |
| Retained earnings to average equity (ytd only) | -3.4282% | 5,109 |
| Net charge-offs to loans | 0.2304% | 650 |
| Credit loss provision to net charge-offs | 214.2857% | 997 |
| Earnings coverage of net charge-offs (x) | 6.9592% | 2,130 |
| Efficiency ratio | 74.6468% | 1,805 |
| Assets per employee ($millions) | 3.6709% | 4,451 |
| Cash dividends to net income (ytd only)* | 161.0169% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 1,511 |
| Loan loss allowance to noncurrent loans | 66.6835% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.7619% | 703 |
| Noncurrent loans to loans | 2.2275% | 668 |
| Net loans and leases to total assets | 70.1985% | 2,453 |
| Net loans and leases to deposits | 92.7869% | 1,356 |
| Net loans and leases to core deposits | 102.6081% | 1,472 |
| Total domestic deposits to total assets | 75.6556% | 5,003 |
| Equity capital to assets | 13.2402% | 1,140 |
| Core capital (leverage) ratio | 14.2085% | 830 |
| Tier 1 risk-based capital ratio | 19.2821% | 1,481 |
| Total risk-based capital ratio | 20.5503% | 1,441 |
| Memoranda: | ||
| Average total assets | $120,964,500 | 3,891 |
| Average earning assets | $111,047,000 | 3,903 |
| Average equity | $16,802,000 | 3,497 |
| Average total loans | $85,075,000 | 3,652 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8324% | 915 |
| Cost of funding earning assets | 0.6931% | 1,066 |
| Net interest margin | 4.1393% | 1,328 |
| Noninterest income to average assets | 0.5309% | 2,818 |
| Noninterest expense to average assets | 2.9068% | 2,435 |
| Loan and lease loss provision to assets | 0.3522% | 444 |
| Net operating income to assets | 1.0785% | 1,945 |
| Return on assets (ROA) | 1.0785% | 1,964 |
| Pretax return on assets | 1.0785% | 3,268 |
| Return on Equity (ROE) | 7.7528% | 2,918 |
| Retained earnings to average equity (ytd only) | 7.4513% | 938 |
| Net charge-offs to loans | 0.3515% | 722 |
| Credit loss provision to net charge-offs | 145.8333% | 1,820 |
| Earnings coverage of net charge-offs (x) | 5.9236% | 3,254 |
| Efficiency ratio | 67.0147% | 3,078 |
| Assets per employee ($millions) | 3.9040% | 4,115 |
| Cash dividends to net income (ytd only)* | 3.8880% | 4,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 1,252 |
| Loan loss allowance to noncurrent loans | 58.8920% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.9561% | 583 |
| Noncurrent loans to loans | 2.6448% | 486 |
| Net loans and leases to total assets | 68.2633% | 2,784 |
| Net loans and leases to deposits | 83.8674% | 2,505 |
| Net loans and leases to core deposits | 92.8464% | 2,294 |
| Total domestic deposits to total assets | 81.3943% | 4,024 |
| Equity capital to assets | 14.5825% | 759 |
| Core capital (leverage) ratio | 14.4057% | 751 |
| Tier 1 risk-based capital ratio | 20.4158% | 1,246 |
| Total risk-based capital ratio | 21.6834% | 1,212 |
| Memoranda: | ||
| Average total assets | $119,239,400 | 3,908 |
| Average earning assets | $109,655,400 | 3,922 |
| Average equity | $16,587,600 | 3,524 |
| Average total loans | $81,940,800 | 3,706 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7720% | 980 |
| Cost of funding earning assets | 0.7019% | 954 |
| Net interest margin | 4.0701% | 1,479 |
| Noninterest income to average assets | 0.5488% | 2,735 |
| Noninterest expense to average assets | 2.9089% | 2,372 |
| Loan and lease loss provision to assets | 0.3507% | 427 |
| Net operating income to assets | 1.0331% | 2,399 |
| Return on assets (ROA) | 1.0331% | 2,437 |
| Pretax return on assets | 1.0331% | 3,557 |
| Return on Equity (ROE) | 7.5148% | 3,382 |
| Retained earnings to average equity (ytd only) | 7.5148% | 1,427 |
| Net charge-offs to loans | 0.1185% | 1,601 |
| Credit loss provision to net charge-offs | 431.5068% | 723 |
| Earnings coverage of net charge-offs (x) | 17.0275% | 2,132 |
| Efficiency ratio | 67.7645% | 2,921 |
| Assets per employee ($millions) | 4.0379% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6076% | 1,222 |
| Loan loss allowance to noncurrent loans | 57.4833% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 2.2066% | 548 |
| Noncurrent loans to loans | 2.7967% | 490 |
| Net loans and leases to total assets | 69.4709% | 2,638 |
| Net loans and leases to deposits | 95.0378% | 1,196 |
| Net loans and leases to core deposits | 106.4054% | 1,247 |
| Total domestic deposits to total assets | 73.0982% | 5,303 |
| Equity capital to assets | 14.2137% | 937 |
| Core capital (leverage) ratio | 13.9008% | 915 |
| Tier 1 risk-based capital ratio | 20.1876% | 1,322 |
| Total risk-based capital ratio | 21.4533% | 1,292 |
| Memoranda: | ||
| Average total assets | $119,769,250 | 3,944 |
| Average earning assets | $110,166,750 | 3,954 |
| Average equity | $16,464,750 | 3,572 |
| Average total loans | $82,122,250 | 3,726 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6583% | 1,146 |
| Cost of funding earning assets | 0.7005% | 891 |
| Net interest margin | 3.9578% | 1,746 |
| Noninterest income to average assets | 0.5532% | 2,699 |
| Noninterest expense to average assets | 2.9117% | 2,387 |
| Loan and lease loss provision to assets | 0.3520% | 405 |
| Net operating income to assets | 0.9169% | 2,826 |
| Return on assets (ROA) | 0.9169% | 2,876 |
| Pretax return on assets | 0.9169% | 3,873 |
| Return on Equity (ROE) | 6.7474% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.7474% | 1,717 |
| Net charge-offs to loans | 0.0716% | 1,917 |
| Credit loss provision to net charge-offs | 724.1379% | 487 |
| Earnings coverage of net charge-offs (x) | 26.1034% | 1,584 |
| Efficiency ratio | 69.6472% | 2,739 |
| Assets per employee ($millions) | 4.3344% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5581% | 1,369 |
| Loan loss allowance to noncurrent loans | 47.9197% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 2.4851% | 442 |
| Noncurrent loans to loans | 3.2515% | 374 |
| Net loans and leases to total assets | 68.3536% | 2,757 |
| Net loans and leases to deposits | 86.5477% | 2,158 |
| Net loans and leases to core deposits | 102.1739% | 1,492 |
| Total domestic deposits to total assets | 78.9779% | 4,625 |
| Equity capital to assets | 13.9276% | 991 |
| Core capital (leverage) ratio | 13.8719% | 894 |
| Tier 1 risk-based capital ratio | 19.8534% | 1,395 |
| Total risk-based capital ratio | 21.1183% | 1,361 |
| Memoranda: | ||
| Average total assets | $119,313,330 | 3,971 |
| Average earning assets | $109,353,670 | 3,989 |
| Average equity | $16,213,670 | 3,615 |
| Average total loans | $80,986,330 | 3,770 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6013% | 1,144 |
| Cost of funding earning assets | 0.7059% | 821 |
| Net interest margin | 3.8954% | 1,794 |
| Noninterest income to average assets | 0.4903% | 3,046 |
| Noninterest expense to average assets | 2.7830% | 2,846 |
| Loan and lease loss provision to assets | 0.3551% | 329 |
| Net operating income to assets | 0.9164% | 2,679 |
| Return on assets (ROA) | 0.9164% | 2,732 |
| Pretax return on assets | 0.9164% | 3,704 |
| Return on Equity (ROE) | 6.8309% | 3,478 |
| Retained earnings to average equity (ytd only) | 6.8309% | 1,915 |
| Net charge-offs to loans | 0.1613% | 1,006 |
| Credit loss provision to net charge-offs | 328.1250% | 743 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,871 |
| Efficiency ratio | 68.6405% | 3,106 |
| Assets per employee ($millions) | 4.2053% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 1,671 |
| Loan loss allowance to noncurrent loans | 69.7917% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.7537% | 834 |
| Noncurrent loans to loans | 2.1591% | 794 |
| Net loans and leases to total assets | 66.9449% | 2,824 |
| Net loans and leases to deposits | 83.8006% | 2,305 |
| Net loans and leases to core deposits | 96.5343% | 1,779 |
| Total domestic deposits to total assets | 79.8860% | 4,642 |
| Equity capital to assets | 13.7122% | 1,002 |
| Core capital (leverage) ratio | 13.8034% | 892 |
| Tier 1 risk-based capital ratio | 20.1285% | 1,364 |
| Total risk-based capital ratio | 21.3920% | 1,333 |
| Memoranda: | ||
| Average total assets | $118,288,500 | 4,026 |
| Average earning assets | $108,230,000 | 4,044 |
| Average equity | $15,869,000 | 3,676 |
| Average total loans | $79,345,000 | 3,826 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9114% | 726 |
| Cost of funding earning assets | 0.7314% | 696 |
| Net interest margin | 4.1800% | 1,168 |
| Noninterest income to average assets | 0.5546% | 2,891 |
| Noninterest expense to average assets | 2.7952% | 3,035 |
| Loan and lease loss provision to assets | 0.3617% | 461 |
| Net operating income to assets | 1.2116% | 1,466 |
| Return on assets (ROA) | 1.2116% | 1,555 |
| Pretax return on assets | 1.2116% | 2,615 |
| Return on Equity (ROE) | 8.8828% | 2,479 |
| Retained earnings to average equity (ytd only) | 6.0103% | 1,698 |
| Net charge-offs to loans | 0.4230% | 614 |
| Credit loss provision to net charge-offs | 125.7485% | 2,128 |
| Earnings coverage of net charge-offs (x) | 5.4701% | 3,338 |
| Efficiency ratio | 63.9858% | 3,944 |
| Assets per employee ($millions) | 4.2439% | 3,538 |
| Cash dividends to net income (ytd only)* | 32.3383% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 1,914 |
| Loan loss allowance to noncurrent loans | 183.3333% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.9922% | 1,912 |
| Noncurrent loans to loans | 0.7857% | 2,554 |
| Net loans and leases to total assets | 65.2405% | 3,189 |
| Net loans and leases to deposits | 81.8852% | 2,685 |
| Net loans and leases to core deposits | 92.2894% | 2,272 |
| Total domestic deposits to total assets | 79.6731% | 4,639 |
| Equity capital to assets | 13.1215% | 1,212 |
| Core capital (leverage) ratio | 13.4793% | 978 |
| Tier 1 risk-based capital ratio | 19.6708% | 1,442 |
| Total risk-based capital ratio | 20.9325% | 1,404 |
| Memoranda: | ||
| Average total assets | $116,128,800 | 4,063 |
| Average earning assets | $105,957,200 | 4,076 |
| Average equity | $15,839,600 | 3,714 |
| Average total loans | $78,956,400 | 3,822 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9481% | 660 |
| Cost of funding earning assets | 0.7330% | 689 |
| Net interest margin | 4.2151% | 1,090 |
| Noninterest income to average assets | 0.5543% | 2,894 |
| Noninterest expense to average assets | 2.8767% | 2,715 |
| Loan and lease loss provision to assets | 0.3638% | 428 |
| Net operating income to assets | 1.1652% | 1,748 |
| Return on assets (ROA) | 1.1652% | 1,852 |
| Pretax return on assets | 1.1652% | 2,984 |
| Return on Equity (ROE) | 8.4602% | 2,778 |
| Retained earnings to average equity (ytd only) | 5.7352% | 2,337 |
| Net charge-offs to loans | 0.0945% | 2,012 |
| Credit loss provision to net charge-offs | 562.5000% | 642 |
| Earnings coverage of net charge-offs (x) | 23.6444% | 1,710 |
| Efficiency ratio | 65.2949% | 3,714 |
| Assets per employee ($millions) | 4.2491% | 3,509 |
| Cash dividends to net income (ytd only)* | 32.2099% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 1,566 |
| Loan loss allowance to noncurrent loans | 85.4248% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.8264% | 893 |
| Noncurrent loans to loans | 1.8370% | 1,113 |
| Net loans and leases to total assets | 68.9075% | 2,656 |
| Net loans and leases to deposits | 93.4907% | 1,322 |
| Net loans and leases to core deposits | 108.9491% | 987 |
| Total domestic deposits to total assets | 73.7052% | 5,462 |
| Equity capital to assets | 13.7795% | 1,127 |
| Core capital (leverage) ratio | 13.3326% | 1,054 |
| Tier 1 risk-based capital ratio | 16.0714% | 2,595 |
| Total risk-based capital ratio | 17.3279% | 2,540 |
| Memoranda: | ||
| Average total assets | $115,454,000 | 4,101 |
| Average earning assets | $105,492,250 | 4,110 |
| Average equity | $15,901,500 | 3,735 |
| Average total loans | $79,031,250 | 3,848 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8915% | 735 |
| Cost of funding earning assets | 0.7211% | 720 |
| Net interest margin | 4.1703% | 1,180 |
| Noninterest income to average assets | 0.5513% | 2,894 |
| Noninterest expense to average assets | 2.8176% | 2,971 |
| Loan and lease loss provision to assets | 0.3675% | 432 |
| Net operating income to assets | 1.1918% | 1,633 |
| Return on assets (ROA) | 1.1918% | 1,729 |
| Pretax return on assets | 1.1918% | 2,811 |
| Return on Equity (ROE) | 8.6546% | 2,668 |
| Retained earnings to average equity (ytd only) | 4.5243% | 3,033 |
| Net charge-offs to loans | 0.1031% | 1,800 |
| Credit loss provision to net charge-offs | 525.0000% | 629 |
| Earnings coverage of net charge-offs (x) | 22.2750% | 1,637 |
| Efficiency ratio | 64.3743% | 3,950 |
| Assets per employee ($millions) | 4.3431% | 3,307 |
| Cash dividends to net income (ytd only)* | 47.7239% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4882% | 1,904 |
| Loan loss allowance to noncurrent loans | 86.3218% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.4429% | 1,345 |
| Noncurrent loans to loans | 1.7240% | 1,227 |
| Net loans and leases to total assets | 68.7557% | 2,669 |
| Net loans and leases to deposits | 92.1460% | 1,492 |
| Net loans and leases to core deposits | 106.5496% | 1,138 |
| Total domestic deposits to total assets | 74.6160% | 5,459 |
| Equity capital to assets | 13.8160% | 1,086 |
| Core capital (leverage) ratio | 13.6391% | 939 |
| Tier 1 risk-based capital ratio | 16.1474% | 2,570 |
| Total risk-based capital ratio | 17.4012% | 2,516 |
| Memoranda: | ||
| Average total assets | $114,280,670 | 4,149 |
| Average earning assets | $104,835,670 | 4,150 |
| Average equity | $15,737,330 | 3,770 |
| Average total loans | $77,612,000 | 3,914 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9435% | 645 |
| Cost of funding earning assets | 0.7057% | 790 |
| Net interest margin | 4.2378% | 1,020 |
| Noninterest income to average assets | 0.5887% | 2,599 |
| Noninterest expense to average assets | 2.8265% | 2,971 |
| Loan and lease loss provision to assets | 0.3724% | 390 |
| Net operating income to assets | 1.2661% | 1,350 |
| Return on assets (ROA) | 1.2661% | 1,446 |
| Pretax return on assets | 1.2661% | 2,443 |
| Return on Equity (ROE) | 9.2096% | 2,318 |
| Retained earnings to average equity (ytd only) | 5.9850% | 2,379 |
| Net charge-offs to loans | 0.0901% | 1,604 |
| Credit loss provision to net charge-offs | 617.6471% | 518 |
| Earnings coverage of net charge-offs (x) | 27.1765% | 1,252 |
| Efficiency ratio | 63.3042% | 4,260 |
| Assets per employee ($millions) | 4.1750% | 3,631 |
| Cash dividends to net income (ytd only)* | 35.0140% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 2,064 |
| Loan loss allowance to noncurrent loans | 42.2876% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 2.5336% | 577 |
| Noncurrent loans to loans | 3.5032% | 389 |
| Net loans and leases to total assets | 66.9609% | 2,811 |
| Net loans and leases to deposits | 83.5235% | 2,362 |
| Net loans and leases to core deposits | 94.5510% | 1,935 |
| Total domestic deposits to total assets | 80.1702% | 4,705 |
| Equity capital to assets | 13.9500% | 1,000 |
| Core capital (leverage) ratio | 13.5929% | 949 |
| Tier 1 risk-based capital ratio | 16.6437% | 2,422 |
| Total risk-based capital ratio | 17.8820% | 2,375 |
| Memoranda: | ||
| Average total assets | $112,789,500 | 4,207 |
| Average earning assets | $103,166,500 | 4,231 |
| Average equity | $15,505,500 | 3,811 |
| Average total loans | $75,496,500 | 3,988 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9376% | 710 |
| Cost of funding earning assets | 0.6895% | 868 |
| Net interest margin | 4.2482% | 1,069 |
| Noninterest income to average assets | 0.5767% | 2,849 |
| Noninterest expense to average assets | 2.7808% | 3,314 |
| Loan and lease loss provision to assets | 0.4635% | 257 |
| Net operating income to assets | 1.2424% | 1,408 |
| Return on assets (ROA) | 1.2442% | 1,459 |
| Pretax return on assets | 1.2442% | 2,490 |
| Return on Equity (ROE) | 9.3328% | 2,307 |
| Retained earnings to average equity (ytd only) | 4.1182% | 3,072 |
| Net charge-offs to loans | 0.5174% | 494 |
| Credit loss provision to net charge-offs | 135.4167% | 1,935 |
| Earnings coverage of net charge-offs (x) | 4.9844% | 3,457 |
| Efficiency ratio | 61.9785% | 4,605 |
| Assets per employee ($millions) | 3.8916% | 4,132 |
| Cash dividends to net income (ytd only)* | 55.8739% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 2,384 |
| Loan loss allowance to noncurrent loans | 66.2658% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 1.6357% | 1,199 |
| Noncurrent loans to loans | 2.1243% | 959 |
| Net loans and leases to total assets | 64.9772% | 3,127 |
| Net loans and leases to deposits | 79.4122% | 2,893 |
| Net loans and leases to core deposits | 87.8309% | 2,619 |
| Total domestic deposits to total assets | 81.8227% | 4,218 |
| Equity capital to assets | 13.5448% | 1,113 |
| Core capital (leverage) ratio | 13.4020% | 1,003 |
| Tier 1 risk-based capital ratio | 16.7459% | 2,378 |
| Total risk-based capital ratio | 17.9090% | 2,366 |
| Memoranda: | ||
| Average total assets | $112,198,000 | 4,218 |
| Average earning assets | $103,268,200 | 4,203 |
| Average equity | $14,958,000 | 3,843 |
| Average total loans | $74,216,400 | 3,990 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9450% | 692 |
| Cost of funding earning assets | 0.6983% | 846 |
| Net interest margin | 4.2467% | 1,061 |
| Noninterest income to average assets | 0.5796% | 2,855 |
| Noninterest expense to average assets | 2.7943% | 3,211 |
| Loan and lease loss provision to assets | 0.3749% | 342 |
| Net operating income to assets | 1.3258% | 1,275 |
| Return on assets (ROA) | 1.3281% | 1,325 |
| Pretax return on assets | 1.3281% | 2,290 |
| Return on Equity (ROE) | 10.0024% | 2,105 |
| Retained earnings to average equity (ytd only) | 4.1767% | 3,492 |
| Net charge-offs to loans | 0.0539% | 2,832 |
| Credit loss provision to net charge-offs | 1,050.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 47.6323% | 1,089 |
| Efficiency ratio | 62.1657% | 4,547 |
| Assets per employee ($millions) | 3.9976% | 3,880 |
| Cash dividends to net income (ytd only)* | 58.2442% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 2,045 |
| Loan loss allowance to noncurrent loans | 80.8654% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.4518% | 1,552 |
| Noncurrent loans to loans | 1.8876% | 1,230 |
| Net loans and leases to total assets | 66.5545% | 2,928 |
| Net loans and leases to deposits | 87.1612% | 2,004 |
| Net loans and leases to core deposits | 96.8190% | 1,810 |
| Total domestic deposits to total assets | 76.3579% | 5,438 |
| Equity capital to assets | 13.0890% | 1,403 |
| Core capital (leverage) ratio | 13.0335% | 1,192 |
| Tier 1 risk-based capital ratio | 16.2575% | 2,688 |
| Total risk-based capital ratio | 17.5079% | 2,641 |
| Memoranda: | ||
| Average total assets | $112,033,750 | 4,263 |
| Average earning assets | $103,293,000 | 4,257 |
| Average equity | $14,876,000 | 3,893 |
| Average total loans | $74,176,250 | 4,031 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8953% | 736 |
| Cost of funding earning assets | 0.7046% | 823 |
| Net interest margin | 4.1906% | 1,124 |
| Noninterest income to average assets | 0.5671% | 2,930 |
| Noninterest expense to average assets | 2.7940% | 3,254 |
| Loan and lease loss provision to assets | 0.3793% | 332 |
| Net operating income to assets | 1.2607% | 1,422 |
| Return on assets (ROA) | 1.2607% | 1,478 |
| Pretax return on assets | 1.2607% | 2,507 |
| Return on Equity (ROE) | 9.4473% | 2,324 |
| Retained earnings to average equity (ytd only) | 2.6799% | 4,352 |
| Net charge-offs to loans | -0.0165% | 5,103 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0143% | 4,516 |
| Assets per employee ($millions) | 4.0434% | 3,791 |
| Cash dividends to net income (ytd only)* | 71.6332% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 2,320 |
| Loan loss allowance to noncurrent loans | 61.8760% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.7974% | 1,279 |
| Noncurrent loans to loans | 2.4155% | 935 |
| Net loans and leases to total assets | 65.6639% | 3,012 |
| Net loans and leases to deposits | 86.0191% | 2,051 |
| Net loans and leases to core deposits | 93.3523% | 2,021 |
| Total domestic deposits to total assets | 76.3364% | 5,553 |
| Equity capital to assets | 12.8560% | 1,464 |
| Core capital (leverage) ratio | 13.2677% | 1,064 |
| Tier 1 risk-based capital ratio | 16.5115% | 2,598 |
| Total risk-based capital ratio | 17.7611% | 2,553 |
| Memoranda: | ||
| Average total assets | $110,735,330 | 4,328 |
| Average earning assets | $102,180,330 | 4,316 |
| Average equity | $14,776,670 | 3,925 |
| Average total loans | $72,784,330 | 4,091 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9174% | 672 |
| Cost of funding earning assets | 0.7172% | 784 |
| Net interest margin | 4.2002% | 1,056 |
| Noninterest income to average assets | 0.5443% | 2,992 |
| Noninterest expense to average assets | 2.7837% | 3,304 |
| Loan and lease loss provision to assets | 0.3836% | 318 |
| Net operating income to assets | 1.2494% | 1,409 |
| Return on assets (ROA) | 1.2494% | 1,496 |
| Pretax return on assets | 1.2494% | 2,467 |
| Return on Equity (ROE) | 9.1889% | 2,362 |
| Retained earnings to average equity (ytd only) | 4.6213% | 3,257 |
| Net charge-offs to loans | -0.0392% | 5,396 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0273% | 4,626 |
| Assets per employee ($millions) | 4.0578% | 3,848 |
| Cash dividends to net income (ytd only)* | 49.7076% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 2,825 |
| Loan loss allowance to noncurrent loans | 68.6117% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 1.5380% | 1,684 |
| Noncurrent loans to loans | 2.0709% | 1,252 |
| Net loans and leases to total assets | 64.7822% | 2,980 |
| Net loans and leases to deposits | 79.4528% | 2,625 |
| Net loans and leases to core deposits | 85.9836% | 2,553 |
| Total domestic deposits to total assets | 81.5354% | 4,662 |
| Equity capital to assets | 13.8425% | 1,037 |
| Core capital (leverage) ratio | 13.2120% | 1,084 |
| Tier 1 risk-based capital ratio | 17.0553% | 2,460 |
| Total risk-based capital ratio | 18.2478% | 2,435 |
| Memoranda: | ||
| Average total assets | $109,495,000 | 4,380 |
| Average earning assets | $100,948,000 | 4,376 |
| Average equity | $14,887,500 | 3,931 |
| Average total loans | $71,441,500 | 4,149 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9930% | 786 |
| Cost of funding earning assets | 0.7887% | 684 |
| Net interest margin | 4.2042% | 1,287 |
| Noninterest income to average assets | 0.5838% | 2,959 |
| Noninterest expense to average assets | 2.7302% | 3,750 |
| Loan and lease loss provision to assets | 0.4157% | 421 |
| Net operating income to assets | 1.3159% | 1,273 |
| Return on assets (ROA) | 1.3159% | 1,314 |
| Pretax return on assets | 1.3159% | 2,191 |
| Return on Equity (ROE) | 10.8190% | 1,781 |
| Retained earnings to average equity (ytd only) | 7.1408% | 1,336 |
| Net charge-offs to loans | 0.7993% | 438 |
| Credit loss provision to net charge-offs | 79.7227% | 2,871 |
| Earnings coverage of net charge-offs (x) | 3.3206% | 3,916 |
| Efficiency ratio | 61.1910% | 5,043 |
| Assets per employee ($millions) | 3.9082% | 4,149 |
| Cash dividends to net income (ytd only)* | 33.9973% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 3,509 |
| Loan loss allowance to noncurrent loans | 51.0937% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 1.8130% | 1,437 |
| Noncurrent loans to loans | 2.5154% | 1,009 |
| Net loans and leases to total assets | 63.9437% | 3,233 |
| Net loans and leases to deposits | 78.4363% | 2,920 |
| Net loans and leases to core deposits | 84.8960% | 2,791 |
| Total domestic deposits to total assets | 81.5232% | 4,586 |
| Equity capital to assets | 13.3502% | 1,212 |
| Core capital (leverage) ratio | 13.0079% | 1,137 |
| Tier 1 risk-based capital ratio | 19.4025% | 1,748 |
| Total risk-based capital ratio | 20.6251% | 1,718 |
| Memoranda: | ||
| Average total assets | $110,650,600 | 4,370 |
| Average earning assets | $102,063,400 | 4,354 |
| Average equity | $13,457,800 | 4,111 |
| Average total loans | $72,189,000 | 4,117 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9815% | 793 |
| Cost of funding earning assets | 0.7951% | 701 |
| Net interest margin | 4.1864% | 1,324 |
| Noninterest income to average assets | 0.5804% | 2,986 |
| Noninterest expense to average assets | 2.7470% | 3,646 |
| Loan and lease loss provision to assets | 0.4446% | 355 |
| Net operating income to assets | 1.2545% | 1,511 |
| Return on assets (ROA) | 1.2545% | 1,569 |
| Pretax return on assets | 1.2545% | 2,556 |
| Return on Equity (ROE) | 10.5692% | 1,961 |
| Retained earnings to average equity (ytd only) | 6.7930% | 1,925 |
| Net charge-offs to loans | 1.0407% | 288 |
| Credit loss provision to net charge-offs | 65.3710% | 2,844 |
| Earnings coverage of net charge-offs (x) | 2.4982% | 3,900 |
| Efficiency ratio | 61.7838% | 4,917 |
| Assets per employee ($millions) | 3.9302% | 4,026 |
| Cash dividends to net income (ytd only)* | 35.7278% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 4,750 |
| Loan loss allowance to noncurrent loans | 48.2039% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 1.6609% | 1,825 |
| Noncurrent loans to loans | 2.2810% | 1,311 |
| Net loans and leases to total assets | 65.6594% | 2,920 |
| Net loans and leases to deposits | 88.4649% | 1,615 |
| Net loans and leases to core deposits | 95.7631% | 1,689 |
| Total domestic deposits to total assets | 74.2209% | 6,000 |
| Equity capital to assets | 12.2903% | 1,837 |
| Core capital (leverage) ratio | 12.6126% | 1,343 |
| Tier 1 risk-based capital ratio | 18.1054% | 2,183 |
| Total risk-based capital ratio | 19.1686% | 2,198 |
| Memoranda: | ||
| Average total assets | $110,956,000 | 4,403 |
| Average earning assets | $102,456,500 | 4,380 |
| Average equity | $13,170,000 | 4,186 |
| Average total loans | $72,515,250 | 4,142 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9444% | 829 |
| Cost of funding earning assets | 0.8054% | 681 |
| Net interest margin | 4.1390% | 1,405 |
| Noninterest income to average assets | 0.5875% | 2,880 |
| Noninterest expense to average assets | 2.7176% | 3,800 |
| Loan and lease loss provision to assets | 0.5093% | 288 |
| Net operating income to assets | 1.1933% | 1,614 |
| Return on assets (ROA) | 1.1933% | 1,682 |
| Pretax return on assets | 1.1933% | 2,689 |
| Return on Equity (ROE) | 10.1779% | 2,066 |
| Retained earnings to average equity (ytd only) | 5.3837% | 2,714 |
| Net charge-offs to loans | 1.0859% | 309 |
| Credit loss provision to net charge-offs | 72.1649% | 2,433 |
| Earnings coverage of net charge-offs (x) | 2.4124% | 3,554 |
| Efficiency ratio | 61.4815% | 5,076 |
| Assets per employee ($millions) | 3.9849% | 3,870 |
| Cash dividends to net income (ytd only)* | 47.1037% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 4,188 |
| Loan loss allowance to noncurrent loans | 48.6515% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 1.8498% | 1,759 |
| Noncurrent loans to loans | 2.5614% | 1,206 |
| Net loans and leases to total assets | 65.3423% | 2,856 |
| Net loans and leases to deposits | 84.6044% | 1,970 |
| Net loans and leases to core deposits | 91.2844% | 1,998 |
| Total domestic deposits to total assets | 77.2328% | 5,774 |
| Equity capital to assets | 12.1826% | 1,861 |
| Core capital (leverage) ratio | 12.6504% | 1,308 |
| Tier 1 risk-based capital ratio | 18.2992% | 2,131 |
| Total risk-based capital ratio | 19.5152% | 2,109 |
| Memoranda: | ||
| Average total assets | $109,949,330 | 4,445 |
| Average earning assets | $101,812,670 | 4,416 |
| Average equity | $12,890,670 | 4,242 |
| Average total loans | $71,464,330 | 4,181 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9571% | 782 |
| Cost of funding earning assets | 0.7998% | 748 |
| Net interest margin | 4.1573% | 1,324 |
| Noninterest income to average assets | 0.5461% | 3,074 |
| Noninterest expense to average assets | 2.8222% | 3,480 |
| Loan and lease loss provision to assets | 0.3299% | 548 |
| Net operating income to assets | 1.2425% | 1,365 |
| Return on assets (ROA) | 1.2425% | 1,423 |
| Pretax return on assets | 1.2425% | 2,306 |
| Return on Equity (ROE) | 10.8138% | 1,748 |
| Retained earnings to average equity (ytd only) | 4.8806% | 3,182 |
| Net charge-offs to loans | 0.1764% | 1,665 |
| Credit loss provision to net charge-offs | 290.3226% | 816 |
| Earnings coverage of net charge-offs (x) | 13.8387% | 1,646 |
| Efficiency ratio | 64.2202% | 4,825 |
| Assets per employee ($millions) | 3.9100% | 4,130 |
| Cash dividends to net income (ytd only)* | 54.8673% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5289% | 3,020 |
| Loan loss allowance to noncurrent loans | 72.4184% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 1.5967% | 2,207 |
| Noncurrent loans to loans | 2.1111% | 1,739 |
| Net loans and leases to total assets | 63.9502% | 2,899 |
| Net loans and leases to deposits | 78.1114% | 2,541 |
| Net loans and leases to core deposits | 84.0178% | 2,509 |
| Total domestic deposits to total assets | 81.8705% | 4,978 |
| Equity capital to assets | 11.7402% | 2,065 |
| Core capital (leverage) ratio | 12.5393% | 1,370 |
| Tier 1 risk-based capital ratio | 18.5037% | 2,123 |
| Total risk-based capital ratio | 19.7563% | 2,083 |
| Memoranda: | ||
| Average total assets | $109,135,500 | 4,503 |
| Average earning assets | $101,027,000 | 4,482 |
| Average equity | $12,539,500 | 4,335 |
| Average total loans | $70,283,000 | 4,256 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0189% | 885 |
| Cost of funding earning assets | 0.9291% | 638 |
| Net interest margin | 4.0898% | 1,676 |
| Noninterest income to average assets | 0.6529% | 2,797 |
| Noninterest expense to average assets | 2.5695% | 4,554 |
| Loan and lease loss provision to assets | 0.4549% | 633 |
| Net operating income to assets | 1.4012% | 1,023 |
| Return on assets (ROA) | 1.4012% | 1,063 |
| Pretax return on assets | 1.4012% | 1,776 |
| Return on Equity (ROE) | 11.7047% | 1,518 |
| Retained earnings to average equity (ytd only) | 0.3874% | 5,673 |
| Net charge-offs to loans | 0.6714% | 967 |
| Credit loss provision to net charge-offs | 108.5106% | 2,215 |
| Earnings coverage of net charge-offs (x) | 4.4277% | 3,568 |
| Efficiency ratio | 58.0613% | 5,731 |
| Assets per employee ($millions) | 4.0293% | 3,807 |
| Cash dividends to net income (ytd only)* | 96.6900% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 3,283 |
| Loan loss allowance to noncurrent loans | 76.0355% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.5019% | 2,470 |
| Noncurrent loans to loans | 1.9462% | 2,050 |
| Net loans and leases to total assets | 62.9081% | 3,218 |
| Net loans and leases to deposits | 74.4250% | 3,200 |
| Net loans and leases to core deposits | 80.1797% | 3,112 |
| Total domestic deposits to total assets | 84.5255% | 3,955 |
| Equity capital to assets | 11.2380% | 2,395 |
| Core capital (leverage) ratio | 12.1928% | 1,499 |
| Tier 1 risk-based capital ratio | 18.2850% | 2,154 |
| Total risk-based capital ratio | 19.5367% | 2,112 |
| Memoranda: | ||
| Average total assets | $112,120,800 | 4,455 |
| Average earning assets | $103,428,400 | 4,425 |
| Average equity | $13,422,000 | 4,177 |
| Average total loans | $70,003,200 | 4,267 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9872% | 963 |
| Cost of funding earning assets | 0.9460% | 660 |
| Net interest margin | 4.0412% | 1,817 |
| Noninterest income to average assets | 0.6799% | 2,735 |
| Noninterest expense to average assets | 2.5709% | 4,487 |
| Loan and lease loss provision to assets | 0.4958% | 558 |
| Net operating income to assets | 1.3398% | 1,244 |
| Return on assets (ROA) | 1.3398% | 1,292 |
| Pretax return on assets | 1.3398% | 2,167 |
| Return on Equity (ROE) | 11.0291% | 1,808 |
| Retained earnings to average equity (ytd only) | -1.2632% | 6,169 |
| Net charge-offs to loans | 0.8478% | 691 |
| Credit loss provision to net charge-offs | 94.1704% | 2,528 |
| Earnings coverage of net charge-offs (x) | 3.4866% | 3,681 |
| Efficiency ratio | 58.3445% | 5,644 |
| Assets per employee ($millions) | 4.5614% | 2,783 |
| Cash dividends to net income (ytd only)* | 111.4531% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 4,343 |
| Loan loss allowance to noncurrent loans | 77.7060% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.3408% | 2,959 |
| Noncurrent loans to loans | 1.6833% | 2,665 |
| Net loans and leases to total assets | 63.6515% | 3,054 |
| Net loans and leases to deposits | 83.3381% | 1,958 |
| Net loans and leases to core deposits | 89.8741% | 1,977 |
| Total domestic deposits to total assets | 76.3774% | 6,130 |
| Equity capital to assets | 10.9624% | 2,791 |
| Core capital (leverage) ratio | 11.8598% | 1,764 |
| Tier 1 risk-based capital ratio | 17.1498% | 2,645 |
| Total risk-based capital ratio | 18.3784% | 2,618 |
| Memoranda: | ||
| Average total assets | $112,953,000 | 4,485 |
| Average earning assets | $104,156,750 | 4,447 |
| Average equity | $13,721,000 | 4,172 |
| Average total loans | $70,137,250 | 4,297 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9122% | 1,068 |
| Cost of funding earning assets | 0.9589% | 679 |
| Net interest margin | 3.9532% | 2,033 |
| Noninterest income to average assets | 0.7620% | 2,359 |
| Noninterest expense to average assets | 2.5224% | 4,654 |
| Loan and lease loss provision to assets | 0.3197% | 1,098 |
| Net operating income to assets | 1.5667% | 793 |
| Return on assets (ROA) | 1.5667% | 861 |
| Pretax return on assets | 1.5667% | 1,449 |
| Return on Equity (ROE) | 12.4861% | 1,361 |
| Retained earnings to average equity (ytd only) | 5.9741% | 2,460 |
| Net charge-offs to loans | 0.2464% | 2,248 |
| Credit loss provision to net charge-offs | 211.7647% | 1,142 |
| Earnings coverage of net charge-offs (x) | 12.4941% | 1,976 |
| Efficiency ratio | 57.2119% | 5,835 |
| Assets per employee ($millions) | 4.5267% | 2,780 |
| Cash dividends to net income (ytd only)* | 52.1542% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 3,523 |
| Loan loss allowance to noncurrent loans | 58.2885% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 1.9281% | 2,252 |
| Noncurrent loans to loans | 2.5976% | 1,774 |
| Net loans and leases to total assets | 62.2478% | 3,245 |
| Net loans and leases to deposits | 82.7526% | 1,955 |
| Net loans and leases to core deposits | 89.6211% | 1,938 |
| Total domestic deposits to total assets | 75.2216% | 6,338 |
| Equity capital to assets | 11.6933% | 2,130 |
| Core capital (leverage) ratio | 12.4121% | 1,405 |
| Tier 1 risk-based capital ratio | 18.1409% | 2,274 |
| Total risk-based capital ratio | 19.3929% | 2,231 |
| Memoranda: | ||
| Average total assets | $112,592,330 | 4,520 |
| Average earning assets | $103,864,000 | 4,481 |
| Average equity | $14,127,670 | 4,123 |
| Average total loans | $69,000,670 | 4,345 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8573% | 1,186 |
| Cost of funding earning assets | 0.9699% | 707 |
| Net interest margin | 3.8874% | 2,161 |
| Noninterest income to average assets | 1.0115% | 1,439 |
| Noninterest expense to average assets | 2.6464% | 4,254 |
| Loan and lease loss provision to assets | 0.3206% | 1,052 |
| Net operating income to assets | 1.6277% | 668 |
| Return on assets (ROA) | 1.6277% | 732 |
| Pretax return on assets | 1.6277% | 1,247 |
| Return on Equity (ROE) | 12.5420% | 1,283 |
| Retained earnings to average equity (ytd only) | 8.5626% | 1,537 |
| Net charge-offs to loans | 0.2185% | 2,115 |
| Credit loss provision to net charge-offs | 243.2432% | 942 |
| Earnings coverage of net charge-offs (x) | 14.7838% | 1,434 |
| Efficiency ratio | 57.5969% | 5,897 |
| Assets per employee ($millions) | 4.2918% | 3,356 |
| Cash dividends to net income (ytd only)* | 31.7287% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 3,763 |
| Loan loss allowance to noncurrent loans | 53.1937% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 2.0191% | 2,321 |
| Noncurrent loans to loans | 2.8461% | 1,779 |
| Net loans and leases to total assets | 60.6877% | 3,311 |
| Net loans and leases to deposits | 74.4296% | 2,864 |
| Net loans and leases to core deposits | 79.9950% | 2,804 |
| Total domestic deposits to total assets | 81.5371% | 5,348 |
| Equity capital to assets | 13.1352% | 1,368 |
| Core capital (leverage) ratio | 12.2753% | 1,431 |
| Tier 1 risk-based capital ratio | 18.4932% | 2,197 |
| Total risk-based capital ratio | 19.7446% | 2,162 |
| Memoranda: | ||
| Average total assets | $112,305,000 | 4,570 |
| Average earning assets | $103,514,000 | 4,530 |
| Average equity | $14,575,000 | 4,079 |
| Average total loans | $67,737,500 | 4,432 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2901% | 942 |
| Cost of funding earning assets | 1.2166% | 539 |
| Net interest margin | 4.0734% | 2,109 |
| Noninterest income to average assets | 0.5843% | 3,367 |
| Noninterest expense to average assets | 2.6345% | 4,622 |
| Loan and lease loss provision to assets | 0.3261% | 2,091 |
| Net operating income to assets | 1.3788% | 1,134 |
| Return on assets (ROA) | 1.3788% | 1,252 |
| Pretax return on assets | 1.3788% | 2,113 |
| Return on Equity (ROE) | 10.6779% | 1,912 |
| Retained earnings to average equity (ytd only) | 4.0831% | 3,340 |
| Net charge-offs to loans | 1.2819% | 761 |
| Credit loss provision to net charge-offs | 39.0033% | 4,950 |
| Earnings coverage of net charge-offs (x) | 2.0390% | 4,394 |
| Efficiency ratio | 60.7098% | 5,425 |
| Assets per employee ($millions) | 4.1861% | 3,576 |
| Cash dividends to net income (ytd only)* | 61.7608% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 3,824 |
| Loan loss allowance to noncurrent loans | 53.4632% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 2.0544% | 2,386 |
| Noncurrent loans to loans | 2.7700% | 1,905 |
| Net loans and leases to total assets | 58.1531% | 3,953 |
| Net loans and leases to deposits | 70.9282% | 3,570 |
| Net loans and leases to core deposits | 76.5942% | 3,448 |
| Total domestic deposits to total assets | 81.9888% | 5,102 |
| Equity capital to assets | 12.8229% | 1,531 |
| Core capital (leverage) ratio | 12.2586% | 1,423 |
| Tier 1 risk-based capital ratio | 17.2624% | 2,538 |
| Total risk-based capital ratio | 18.5128% | 2,513 |
| Memoranda: | ||
| Average total assets | $110,382,800 | 4,581 |
| Average earning assets | $101,756,600 | 4,554 |
| Average equity | $14,253,800 | 4,112 |
| Average total loans | $72,001,800 | 4,279 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3831% | 863 |
| Cost of funding earning assets | 1.2655% | 517 |
| Net interest margin | 4.1176% | 2,026 |
| Noninterest income to average assets | 0.5954% | 3,308 |
| Noninterest expense to average assets | 2.6089% | 4,708 |
| Loan and lease loss provision to assets | 0.3281% | 2,002 |
| Net operating income to assets | 1.4618% | 1,098 |
| Return on assets (ROA) | 1.4618% | 1,221 |
| Pretax return on assets | 1.4618% | 2,033 |
| Return on Equity (ROE) | 11.3003% | 1,854 |
| Retained earnings to average equity (ytd only) | 6.1245% | 2,619 |
| Net charge-offs to loans | 0.9819% | 1,081 |
| Credit loss provision to net charge-offs | 50.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | 2.7278% | 3,943 |
| Efficiency ratio | 59.3094% | 5,612 |
| Assets per employee ($millions) | 4.0121% | 3,847 |
| Cash dividends to net income (ytd only)* | 45.8023% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7889% | 2,824 |
| Loan loss allowance to noncurrent loans | 57.5989% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 2.4168% | 2,196 |
| Noncurrent loans to loans | 3.1057% | 1,793 |
| Net loans and leases to total assets | 64.9235% | 2,858 |
| Net loans and leases to deposits | 80.2632% | 2,349 |
| Net loans and leases to core deposits | 87.0678% | 2,336 |
| Total domestic deposits to total assets | 80.8882% | 5,400 |
| Equity capital to assets | 13.5665% | 1,321 |
| Core capital (leverage) ratio | 12.3106% | 1,490 |
| Tier 1 risk-based capital ratio | 16.3120% | 3,106 |
| Total risk-based capital ratio | 17.5631% | 3,074 |
| Memoranda: | ||
| Average total assets | $109,722,500 | 4,649 |
| Average earning assets | $101,351,500 | 4,609 |
| Average equity | $14,194,000 | 4,164 |
| Average total loans | $73,323,500 | 4,282 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3566% | 948 |
| Cost of funding earning assets | 1.2803% | 575 |
| Net interest margin | 4.0762% | 2,182 |
| Noninterest income to average assets | 0.6208% | 3,124 |
| Noninterest expense to average assets | 2.5157% | 5,087 |
| Loan and lease loss provision to assets | 0.3267% | 2,014 |
| Net operating income to assets | 1.5519% | 904 |
| Return on assets (ROA) | 1.5519% | 1,013 |
| Pretax return on assets | 1.5519% | 1,704 |
| Return on Equity (ROE) | 12.1911% | 1,608 |
| Retained earnings to average equity (ytd only) | 5.4040% | 3,044 |
| Net charge-offs to loans | 1.2964% | 824 |
| Credit loss provision to net charge-offs | 37.5783% | 4,314 |
| Earnings coverage of net charge-offs (x) | 2.1608% | 3,901 |
| Efficiency ratio | 57.2491% | 5,964 |
| Assets per employee ($millions) | 4.0733% | 3,713 |
| Cash dividends to net income (ytd only)* | 55.6725% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6654% | 3,374 |
| Loan loss allowance to noncurrent loans | 62.1648% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 2.1049% | 2,658 |
| Noncurrent loans to loans | 2.6791% | 2,244 |
| Net loans and leases to total assets | 67.2156% | 2,420 |
| Net loans and leases to deposits | 82.5135% | 2,043 |
| Net loans and leases to core deposits | 90.3296% | 1,952 |
| Total domestic deposits to total assets | 81.4601% | 5,310 |
| Equity capital to assets | 13.0898% | 1,473 |
| Core capital (leverage) ratio | 12.0229% | 1,590 |
| Tier 1 risk-based capital ratio | 16.6177% | 2,852 |
| Total risk-based capital ratio | 17.8714% | 2,804 |
| Memoranda: | ||
| Average total assets | $110,188,000 | 4,666 |
| Average earning assets | $102,005,670 | 4,623 |
| Average equity | $14,026,670 | 4,190 |
| Average total loans | $73,894,670 | 4,280 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2985% | 1,098 |
| Cost of funding earning assets | 1.2942% | 645 |
| Net interest margin | 4.0043% | 2,486 |
| Noninterest income to average assets | 0.5621% | 3,481 |
| Noninterest expense to average assets | 2.6257% | 4,726 |
| Loan and lease loss provision to assets | 0.3264% | 1,918 |
| Net operating income to assets | 1.3129% | 1,425 |
| Return on assets (ROA) | 1.3129% | 1,591 |
| Pretax return on assets | 1.3129% | 2,497 |
| Return on Equity (ROE) | 10.4609% | 2,251 |
| Retained earnings to average equity (ytd only) | 2.2540% | 5,129 |
| Net charge-offs to loans | -0.1584% | 6,932 |
| Credit loss provision to net charge-offs | -310.3448% | 5,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5646% | 5,356 |
| Assets per employee ($millions) | 4.8291% | 2,469 |
| Cash dividends to net income (ytd only)* | 78.4530% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2387% | 1,799 |
| Loan loss allowance to noncurrent loans | 56.0967% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 2.8631% | 2,039 |
| Noncurrent loans to loans | 3.9908% | 1,538 |
| Net loans and leases to total assets | 65.6577% | 2,529 |
| Net loans and leases to deposits | 80.5038% | 2,144 |
| Net loans and leases to core deposits | 88.1366% | 2,037 |
| Total domestic deposits to total assets | 81.5585% | 5,441 |
| Equity capital to assets | 12.4948% | 1,725 |
| Core capital (leverage) ratio | 11.7259% | 1,750 |
| Tier 1 risk-based capital ratio | 16.3343% | 2,995 |
| Total risk-based capital ratio | 17.6053% | 2,941 |
| Memoranda: | ||
| Average total assets | $110,292,500 | 4,701 |
| Average earning assets | $101,990,500 | 4,653 |
| Average equity | $13,842,000 | 4,228 |
| Average total loans | $73,254,500 | 4,339 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6402% | 885 |
| Cost of funding earning assets | 1.4681% | 807 |
| Net interest margin | 4.1721% | 2,148 |
| Noninterest income to average assets | 0.6289% | 3,010 |
| Noninterest expense to average assets | 2.4985% | 5,470 |
| Loan and lease loss provision to assets | 0.8951% | 1,073 |
| Net operating income to assets | 1.0549% | 1,983 |
| Return on assets (ROA) | 1.0655% | 2,081 |
| Pretax return on assets | 1.0655% | 2,978 |
| Return on Equity (ROE) | 8.6371% | 2,616 |
| Retained earnings to average equity (ytd only) | 8.2491% | 1,000 |
| Net charge-offs to loans | 0.6948% | 2,416 |
| Credit loss provision to net charge-offs | 187.0000% | 1,380 |
| Earnings coverage of net charge-offs (x) | 4.0740% | 3,279 |
| Efficiency ratio | 56.1653% | 6,295 |
| Assets per employee ($millions) | 4.7615% | 2,500 |
| Cash dividends to net income (ytd only)* | 4.4924% | 3,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1568% | 1,884 |
| Loan loss allowance to noncurrent loans | 44.0125% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 3.4260% | 1,729 |
| Noncurrent loans to loans | 4.9004% | 1,169 |
| Net loans and leases to total assets | 64.2487% | 3,132 |
| Net loans and leases to deposits | 77.3557% | 2,949 |
| Net loans and leases to core deposits | 81.5801% | 3,239 |
| Total domestic deposits to total assets | 83.0562% | 4,727 |
| Equity capital to assets | 12.6065% | 1,739 |
| Core capital (leverage) ratio | 11.9422% | 1,630 |
| Tier 1 risk-based capital ratio | 17.6017% | 2,348 |
| Total risk-based capital ratio | 18.8621% | 2,309 |
| Memoranda: | ||
| Average total assets | $104,461,400 | 4,777 |
| Average earning assets | $95,635,200 | 4,766 |
| Average equity | $12,886,200 | 4,357 |
| Average total loans | $71,965,800 | 4,411 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7183% | 824 |
| Cost of funding earning assets | 1.4868% | 913 |
| Net interest margin | 4.2315% | 1,980 |
| Noninterest income to average assets | 0.9858% | 1,371 |
| Noninterest expense to average assets | 2.5297% | 5,353 |
| Loan and lease loss provision to assets | 1.0917% | 753 |
| Net operating income to assets | 1.2326% | 1,567 |
| Return on assets (ROA) | 1.2442% | 1,636 |
| Pretax return on assets | 1.2442% | 2,474 |
| Return on Equity (ROE) | 10.1449% | 2,147 |
| Retained earnings to average equity (ytd only) | 9.6182% | 952 |
| Net charge-offs to loans | 1.0577% | 1,504 |
| Credit loss provision to net charge-offs | 147.9860% | 2,123 |
| Earnings coverage of net charge-offs (x) | 3.1506% | 3,560 |
| Efficiency ratio | 52.1161% | 6,665 |
| Assets per employee ($millions) | 4.6016% | 2,754 |
| Cash dividends to net income (ytd only)* | 5.1925% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7924% | 2,973 |
| Loan loss allowance to noncurrent loans | 36.5886% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 3.7794% | 1,641 |
| Noncurrent loans to loans | 4.8989% | 1,287 |
| Net loans and leases to total assets | 71.9585% | 1,712 |
| Net loans and leases to deposits | 89.8259% | 1,236 |
| Net loans and leases to core deposits | 95.1095% | 1,685 |
| Total domestic deposits to total assets | 80.1088% | 5,705 |
| Equity capital to assets | 12.9068% | 1,662 |
| Core capital (leverage) ratio | 12.1151% | 1,640 |
| Tier 1 risk-based capital ratio | 16.6116% | 2,805 |
| Total risk-based capital ratio | 17.8385% | 2,783 |
| Memoranda: | ||
| Average total assets | $103,198,000 | 4,839 |
| Average earning assets | $94,337,750 | 4,839 |
| Average equity | $12,656,250 | 4,414 |
| Average total loans | $71,979,000 | 4,459 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5782% | 1,115 |
| Cost of funding earning assets | 1.4939% | 1,029 |
| Net interest margin | 4.0843% | 2,473 |
| Noninterest income to average assets | 1.1982% | 897 |
| Noninterest expense to average assets | 2.5430% | 5,383 |
| Loan and lease loss provision to assets | 1.4758% | 482 |
| Net operating income to assets | 0.9148% | 2,571 |
| Return on assets (ROA) | 0.9324% | 2,611 |
| Pretax return on assets | 0.9324% | 3,496 |
| Return on Equity (ROE) | 7.7425% | 3,076 |
| Retained earnings to average equity (ytd only) | 7.7425% | 1,560 |
| Net charge-offs to loans | 1.1180% | 1,407 |
| Credit loss provision to net charge-offs | 192.6020% | 1,565 |
| Earnings coverage of net charge-offs (x) | 3.1199% | 3,296 |
| Efficiency ratio | 51.5452% | 6,826 |
| Assets per employee ($millions) | 4.1839% | 3,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0091% | 2,348 |
| Loan loss allowance to noncurrent loans | 39.1996% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 3.8051% | 1,704 |
| Noncurrent loans to loans | 5.1252% | 1,261 |
| Net loans and leases to total assets | 68.9666% | 2,421 |
| Net loans and leases to deposits | 88.4303% | 1,437 |
| Net loans and leases to core deposits | 97.2944% | 1,554 |
| Total domestic deposits to total assets | 77.9898% | 6,290 |
| Equity capital to assets | 12.3187% | 1,892 |
| Core capital (leverage) ratio | 11.9872% | 1,603 |
| Tier 1 risk-based capital ratio | 16.0842% | 2,936 |
| Total risk-based capital ratio | 17.2736% | 2,930 |
| Memoranda: | ||
| Average total assets | $102,318,670 | 4,893 |
| Average earning assets | $93,578,670 | 4,896 |
| Average equity | $12,321,670 | 4,469 |
| Average total loans | $70,122,670 | 4,573 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8792% | 626 |
| Cost of funding earning assets | 1.5238% | 1,077 |
| Net interest margin | 4.3555% | 1,411 |
| Noninterest income to average assets | 0.6365% | 2,919 |
| Noninterest expense to average assets | 2.5025% | 5,541 |
| Loan and lease loss provision to assets | 0.3558% | 2,420 |
| Net operating income to assets | 1.7672% | 521 |
| Return on assets (ROA) | 1.7672% | 548 |
| Pretax return on assets | 1.7672% | 866 |
| Return on Equity (ROE) | 14.8505% | 842 |
| Retained earnings to average equity (ytd only) | 14.8505% | 404 |
| Net charge-offs to loans | -0.0117% | 6,404 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1026% | 6,690 |
| Assets per employee ($millions) | 4.4540% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7370% | 3,222 |
| Loan loss allowance to noncurrent loans | 55.0890% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 2.1817% | 3,089 |
| Noncurrent loans to loans | 3.1532% | 2,386 |
| Net loans and leases to total assets | 66.6520% | 2,844 |
| Net loans and leases to deposits | 84.5875% | 1,940 |
| Net loans and leases to core deposits | 93.1653% | 1,993 |
| Total domestic deposits to total assets | 78.7966% | 6,237 |
| Equity capital to assets | 12.0440% | 1,890 |
| Core capital (leverage) ratio | 12.1976% | 1,459 |
| Tier 1 risk-based capital ratio | 16.5334% | 2,648 |
| Total risk-based capital ratio | 17.7677% | 2,629 |
| Memoranda: | ||
| Average total assets | $101,179,500 | 4,973 |
| Average earning assets | $92,665,000 | 4,954 |
| Average equity | $12,040,000 | 4,537 |
| Average total loans | $68,376,000 | 4,673 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9986% | 851 |
| Cost of funding earning assets | 1.7768% | 1,270 |
| Net interest margin | 4.2219% | 2,091 |
| Noninterest income to average assets | 0.7541% | 2,519 |
| Noninterest expense to average assets | 2.7802% | 4,674 |
| Loan and lease loss provision to assets | 0.3765% | 3,862 |
| Net operating income to assets | 1.1464% | 1,557 |
| Return on assets (ROA) | 1.1464% | 1,640 |
| Pretax return on assets | 1.4696% | 1,454 |
| Return on Equity (ROE) | 9.2763% | 2,185 |
| Retained earnings to average equity (ytd only) | 5.0444% | 2,383 |
| Net charge-offs to loans | 0.3223% | 4,403 |
| Credit loss provision to net charge-offs | 170.6161% | 1,982 |
| Earnings coverage of net charge-offs (x) | 8.3649% | 1,980 |
| Efficiency ratio | 60.0950% | 6,027 |
| Assets per employee ($millions) | 3.5685% | 4,783 |
| Cash dividends to net income (ytd only)* | 45.6204% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 3,368 |
| Loan loss allowance to noncurrent loans | 52.4706% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 2.1918% | 3,109 |
| Noncurrent loans to loans | 3.1591% | 2,410 |
| Net loans and leases to total assets | 66.2053% | 3,425 |
| Net loans and leases to deposits | 79.4759% | 3,258 |
| Net loans and leases to core deposits | 87.4192% | 3,131 |
| Total domestic deposits to total assets | 83.3023% | 4,679 |
| Equity capital to assets | 11.7516% | 2,081 |
| Core capital (leverage) ratio | 12.0407% | 1,516 |
| Tier 1 risk-based capital ratio | 16.8127% | 2,420 |
| Total risk-based capital ratio | 18.0639% | 2,385 |
| Memoranda: | ||
| Average total assets | $95,606,200 | 5,109 |
| Average earning assets | $87,686,600 | 5,090 |
| Average equity | $11,815,000 | 4,666 |
| Average total loans | $65,465,400 | 4,847 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0603% | 824 |
| Cost of funding earning assets | 1.8228% | 1,333 |
| Net interest margin | 4.2374% | 2,076 |
| Noninterest income to average assets | 0.7885% | 2,295 |
| Noninterest expense to average assets | 2.6954% | 4,898 |
| Loan and lease loss provision to assets | 0.3808% | 3,604 |
| Net operating income to assets | 1.2313% | 1,512 |
| Return on assets (ROA) | 1.2313% | 1,588 |
| Pretax return on assets | 1.6009% | 1,344 |
| Return on Equity (ROE) | 9.8364% | 2,192 |
| Retained earnings to average equity (ytd only) | 8.7097% | 1,156 |
| Net charge-offs to loans | 0.2481% | 4,450 |
| Credit loss provision to net charge-offs | 223.1405% | 1,552 |
| Earnings coverage of net charge-offs (x) | 11.6115% | 1,777 |
| Efficiency ratio | 57.6297% | 6,323 |
| Assets per employee ($millions) | 3.6968% | 4,516 |
| Cash dividends to net income (ytd only)* | 11.4548% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6373% | 3,382 |
| Loan loss allowance to noncurrent loans | 55.8838% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 2.1464% | 3,272 |
| Noncurrent loans to loans | 2.9298% | 2,723 |
| Net loans and leases to total assets | 69.7553% | 2,796 |
| Net loans and leases to deposits | 86.4953% | 2,241 |
| Net loans and leases to core deposits | 95.3306% | 2,343 |
| Total domestic deposits to total assets | 80.6463% | 5,503 |
| Equity capital to assets | 12.9770% | 1,584 |
| Core capital (leverage) ratio | 12.5483% | 1,384 |
| Tier 1 risk-based capital ratio | 17.7083% | 2,110 |
| Total risk-based capital ratio | 18.9654% | 2,073 |
| Memoranda: | ||
| Average total assets | $94,528,250 | 5,207 |
| Average earning assets | $86,748,250 | 5,181 |
| Average equity | $11,833,250 | 4,729 |
| Average total loans | $65,015,250 | 4,944 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1002% | 755 |
| Cost of funding earning assets | 1.8530% | 1,419 |
| Net interest margin | 4.2472% | 1,975 |
| Noninterest income to average assets | 0.7702% | 2,281 |
| Noninterest expense to average assets | 2.7171% | 4,839 |
| Loan and lease loss provision to assets | 0.3830% | 3,422 |
| Net operating income to assets | 1.2149% | 1,523 |
| Return on assets (ROA) | 1.2149% | 1,588 |
| Pretax return on assets | 1.5766% | 1,367 |
| Return on Equity (ROE) | 9.8279% | 2,165 |
| Retained earnings to average equity (ytd only) | 8.1067% | 1,405 |
| Net charge-offs to loans | 0.0063% | 6,282 |
| Credit loss provision to net charge-offs | 9,000.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 460.5000% | 70 |
| Efficiency ratio | 58.0983% | 6,364 |
| Assets per employee ($millions) | 3.6348% | 4,620 |
| Cash dividends to net income (ytd only)* | 17.5131% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7075% | 3,044 |
| Loan loss allowance to noncurrent loans | 52.0455% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 2.3851% | 3,020 |
| Noncurrent loans to loans | 3.2808% | 2,445 |
| Net loans and leases to total assets | 69.7445% | 2,966 |
| Net loans and leases to deposits | 85.0148% | 2,703 |
| Net loans and leases to core deposits | 96.0214% | 2,434 |
| Total domestic deposits to total assets | 82.0380% | 4,967 |
| Equity capital to assets | 12.6417% | 1,720 |
| Core capital (leverage) ratio | 12.4154% | 1,440 |
| Tier 1 risk-based capital ratio | 17.2037% | 2,201 |
| Total risk-based capital ratio | 18.4595% | 2,160 |
| Memoranda: | ||
| Average total assets | $93,999,000 | 5,250 |
| Average earning assets | $86,456,330 | 5,224 |
| Average equity | $11,620,000 | 4,777 |
| Average total loans | $63,966,330 | 5,018 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8621% | 1,288 |
| Cost of funding earning assets | 1.8644% | 1,590 |
| Net interest margin | 3.9977% | 2,882 |
| Noninterest income to average assets | 0.7936% | 2,052 |
| Noninterest expense to average assets | 2.5857% | 5,412 |
| Loan and lease loss provision to assets | 0.3840% | 3,061 |
| Net operating income to assets | 1.1648% | 1,634 |
| Return on assets (ROA) | 1.1648% | 1,710 |
| Pretax return on assets | 1.5019% | 1,509 |
| Return on Equity (ROE) | 9.5317% | 2,280 |
| Retained earnings to average equity (ytd only) | 6.0402% | 2,604 |
| Net charge-offs to loans | 0.1794% | 3,846 |
| Credit loss provision to net charge-offs | 321.4286% | 1,234 |
| Earnings coverage of net charge-offs (x) | 15.7857% | 1,362 |
| Efficiency ratio | 57.8244% | 6,516 |
| Assets per employee ($millions) | 3.6032% | 4,808 |
| Cash dividends to net income (ytd only)* | 36.6300% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6325% | 3,313 |
| Loan loss allowance to noncurrent loans | 33.5948% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 3.3314% | 2,140 |
| Noncurrent loans to loans | 4.8593% | 1,505 |
| Net loans and leases to total assets | 66.1209% | 3,822 |
| Net loans and leases to deposits | 81.8986% | 3,298 |
| Net loans and leases to core deposits | 92.4206% | 3,057 |
| Total domestic deposits to total assets | 80.7350% | 5,543 |
| Equity capital to assets | 12.3448% | 1,847 |
| Core capital (leverage) ratio | 12.1917% | 1,553 |
| Tier 1 risk-based capital ratio | 17.6929% | 2,023 |
| Total risk-based capital ratio | 18.9465% | 2,001 |
| Memoranda: | ||
| Average total assets | $93,746,000 | 5,327 |
| Average earning assets | $86,249,500 | 5,299 |
| Average equity | $11,456,500 | 4,856 |
| Average total loans | $62,421,000 | 5,158 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1327% | 1,426 |
| Cost of funding earning assets | 2.2572% | 1,813 |
| Net interest margin | 3.8755% | 3,374 |
| Noninterest income to average assets | 0.6867% | 3,051 |
| Noninterest expense to average assets | 2.6662% | 5,532 |
| Loan and lease loss provision to assets | 0.3869% | 4,471 |
| Net operating income to assets | 0.9595% | 1,985 |
| Return on assets (ROA) | 1.0145% | 1,841 |
| Pretax return on assets | 1.2617% | 1,805 |
| Return on Equity (ROE) | 8.6989% | 2,120 |
| Retained earnings to average equity (ytd only) | 7.9156% | 724 |
| Net charge-offs to loans | 1.3262% | 1,883 |
| Credit loss provision to net charge-offs | 43.4258% | 6,802 |
| Earnings coverage of net charge-offs (x) | 1.7732% | 4,394 |
| Efficiency ratio | 62.7942% | 5,999 |
| Assets per employee ($millions) | 3.6080% | 4,765 |
| Cash dividends to net income (ytd only)* | 9.0042% | 3,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 3,433 |
| Loan loss allowance to noncurrent loans | 36.1257% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 2.9123% | 2,404 |
| Noncurrent loans to loans | 4.3220% | 1,666 |
| Net loans and leases to total assets | 64.9234% | 4,383 |
| Net loans and leases to deposits | 78.0831% | 4,355 |
| Net loans and leases to core deposits | 105.9790% | 3,338 |
| Total domestic deposits to total assets | 83.1466% | 4,460 |
| Equity capital to assets | 12.0969% | 1,980 |
| Core capital (leverage) ratio | 12.0283% | 1,657 |
| Tier 1 risk-based capital ratio | 17.0300% | 2,142 |
| Total risk-based capital ratio | 18.2371% | 2,120 |
| Memoranda: | ||
| Average total assets | $93,052,200 | 5,300 |
| Average earning assets | $85,460,200 | 5,282 |
| Average equity | $10,852,000 | 5,060 |
| Average total loans | $62,509,400 | 5,148 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1775% | 1,426 |
| Cost of funding earning assets | 2.3320% | 1,872 |
| Net interest margin | 3.8455% | 3,456 |
| Noninterest income to average assets | 0.5312% | 4,225 |
| Noninterest expense to average assets | 2.6519% | 5,518 |
| Loan and lease loss provision to assets | 0.3877% | 3,992 |
| Net operating income to assets | 0.8816% | 2,492 |
| Return on assets (ROA) | 0.8816% | 2,566 |
| Pretax return on assets | 1.0194% | 2,842 |
| Return on Equity (ROE) | 7.6310% | 2,804 |
| Retained earnings to average equity (ytd only) | 7.0095% | 1,500 |
| Net charge-offs to loans | 0.6276% | 2,796 |
| Credit loss provision to net charge-offs | 91.5254% | 5,441 |
| Earnings coverage of net charge-offs (x) | 3.3221% | 3,576 |
| Efficiency ratio | 65.3343% | 5,490 |
| Assets per employee ($millions) | 3.5490% | 4,812 |
| Cash dividends to net income (ytd only)* | 8.1439% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1579% | 1,493 |
| Loan loss allowance to noncurrent loans | 35.9307% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 4.3208% | 1,432 |
| Noncurrent loans to loans | 6.0057% | 983 |
| Net loans and leases to total assets | 69.3330% | 3,649 |
| Net loans and leases to deposits | 88.7891% | 2,823 |
| Net loans and leases to core deposits | 124.8600% | 1,831 |
| Total domestic deposits to total assets | 78.0872% | 6,064 |
| Equity capital to assets | 12.2157% | 2,112 |
| Core capital (leverage) ratio | 11.8192% | 1,894 |
| Tier 1 risk-based capital ratio | 16.9444% | 2,293 |
| Total risk-based capital ratio | 18.2053% | 2,237 |
| Memoranda: | ||
| Average total assets | $92,863,000 | 5,341 |
| Average earning assets | $85,188,250 | 5,332 |
| Average equity | $10,728,000 | 5,136 |
| Average total loans | $62,669,250 | 5,182 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1266% | 1,702 |
| Cost of funding earning assets | 2.3643% | 2,109 |
| Net interest margin | 3.7623% | 3,708 |
| Noninterest income to average assets | 0.3568% | 5,653 |
| Noninterest expense to average assets | 2.6585% | 5,525 |
| Loan and lease loss provision to assets | 0.3869% | 3,595 |
| Net operating income to assets | 0.7157% | 3,183 |
| Return on assets (ROA) | 0.7157% | 3,291 |
| Pretax return on assets | 0.7587% | 3,808 |
| Return on Equity (ROE) | 6.3148% | 3,517 |
| Retained earnings to average equity (ytd only) | 6.3148% | 1,877 |
| Net charge-offs to loans | 0.6768% | 2,347 |
| Credit loss provision to net charge-offs | 86.1244% | 5,027 |
| Earnings coverage of net charge-offs (x) | 2.5502% | 3,792 |
| Efficiency ratio | 69.8870% | 4,805 |
| Assets per employee ($millions) | 3.5650% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2076% | 1,233 |
| Loan loss allowance to noncurrent loans | 41.2922% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 3.7404% | 1,640 |
| Noncurrent loans to loans | 5.3463% | 1,106 |
| Net loans and leases to total assets | 67.1942% | 4,315 |
| Net loans and leases to deposits | 86.5234% | 3,457 |
| Net loans and leases to core deposits | 119.1654% | 2,440 |
| Total domestic deposits to total assets | 77.6602% | 6,165 |
| Equity capital to assets | 11.4596% | 2,566 |
| Core capital (leverage) ratio | 11.6535% | 2,001 |
| Tier 1 risk-based capital ratio | 16.7416% | 2,385 |
| Total risk-based capital ratio | 18.0034% | 2,328 |
| Memoranda: | ||
| Average total assets | $93,059,000 | 5,370 |
| Average earning assets | $85,267,330 | 5,368 |
| Average equity | $10,546,670 | 5,203 |
| Average total loans | $61,763,000 | 5,260 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1649% | 1,710 |
| Cost of funding earning assets | 2.4181% | 2,218 |
| Net interest margin | 3.7468% | 3,669 |
| Noninterest income to average assets | 0.6864% | 2,966 |
| Noninterest expense to average assets | 2.5739% | 5,554 |
| Loan and lease loss provision to assets | 0.3861% | 3,010 |
| Net operating income to assets | 0.9352% | 2,567 |
| Return on assets (ROA) | 0.9352% | 2,696 |
| Pretax return on assets | 1.1497% | 2,803 |
| Return on Equity (ROE) | 8.2976% | 3,018 |
| Retained earnings to average equity (ytd only) | 8.2976% | 1,712 |
| Net charge-offs to loans | 0.5329% | 2,122 |
| Credit loss provision to net charge-offs | 111.1111% | 3,469 |
| Earnings coverage of net charge-offs (x) | 4.4198% | 2,889 |
| Efficiency ratio | 62.6305% | 5,945 |
| Assets per employee ($millions) | 3.6526% | 4,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3026% | 944 |
| Loan loss allowance to noncurrent loans | 35.5228% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 4.5405% | 1,052 |
| Noncurrent loans to loans | 6.4821% | 687 |
| Net loans and leases to total assets | 64.5133% | 4,900 |
| Net loans and leases to deposits | 78.5213% | 4,846 |
| Net loans and leases to core deposits | 110.1291% | 3,420 |
| Total domestic deposits to total assets | 82.1603% | 4,484 |
| Equity capital to assets | 11.1922% | 2,817 |
| Core capital (leverage) ratio | 11.4608% | 2,172 |
| Tier 1 risk-based capital ratio | 17.2850% | 2,248 |
| Total risk-based capital ratio | 18.5533% | 2,188 |
| Memoranda: | ||
| Average total assets | $93,243,000 | 5,394 |
| Average earning assets | $85,192,500 | 5,390 |
| Average equity | $10,509,000 | 5,236 |
| Average total loans | $60,800,000 | 5,329 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7257% | 1,936 |
| Cost of funding earning assets | 2.7665% | 2,847 |
| Net interest margin | 3.9592% | 3,313 |
| Noninterest income to average assets | 0.8524% | 2,212 |
| Noninterest expense to average assets | 2.6622% | 5,406 |
| Loan and lease loss provision to assets | 0.4017% | 3,275 |
| Net operating income to assets | 1.0923% | 2,175 |
| Return on assets (ROA) | 1.0923% | 2,093 |
| Pretax return on assets | 1.4148% | 1,928 |
| Return on Equity (ROE) | 9.1818% | 2,578 |
| Retained earnings to average equity (ytd only) | -13.8993% | 7,395 |
| Net charge-offs to loans | 0.4747% | 2,461 |
| Credit loss provision to net charge-offs | 132.3529% | 4,024 |
| Earnings coverage of net charge-offs (x) | 5.9853% | 3,472 |
| Efficiency ratio | 59.4420% | 6,446 |
| Assets per employee ($millions) | 3.1558% | 5,605 |
| Cash dividends to net income (ytd only)* | 251.3790% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4385% | 731 |
| Loan loss allowance to noncurrent loans | 51.8412% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 3.2726% | 1,381 |
| Noncurrent loans to loans | 4.7038% | 987 |
| Net loans and leases to total assets | 62.7778% | 5,495 |
| Net loans and leases to deposits | 77.0385% | 5,468 |
| Net loans and leases to core deposits | 101.1568% | 4,709 |
| Total domestic deposits to total assets | 81.4889% | 4,416 |
| Equity capital to assets | 11.3519% | 2,748 |
| Core capital (leverage) ratio | 11.4645% | 2,276 |
| Tier 1 risk-based capital ratio | 17.9666% | 2,045 |
| Total risk-based capital ratio | 19.2346% | 1,988 |
| Memoranda: | ||
| Average total assets | $89,624,600 | 5,372 |
| Average earning assets | $82,088,000 | 5,370 |
| Average equity | $10,662,400 | 5,223 |
| Average total loans | $57,294,000 | 5,395 |