Home > The Citizens National Bank of Quitman > Performance and Condition Ratios
The Citizens National Bank of Quitman, 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 | 5.2339% | 1,600 |
| Cost of funding earning assets | 1.1131% | 3,032 |
| Net interest margin | 4.1208% | 1,050 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.2882% | 2,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4721% | 1,073 |
| Return on assets (ROA) | 1.4721% | 1,047 |
| Pretax return on assets | 1.7907% | 900 |
| Return on Equity (ROE) | 13.3700% | 1,640 |
| Retained earnings to average equity (ytd only) | -12.3435% | 4,482 |
| Net charge-offs to loans | 0.0222% | 1,883 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 147.6000% | 716 |
| Efficiency ratio | 56.0976% | 3,488 |
| Assets per employee ($millions) | 5.9945% | 2,830 |
| Cash dividends to net income (ytd only)* | 192.3077% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9123% | 444 |
| Loan loss allowance to noncurrent loans | 574.4681% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 2,242 |
| Noncurrent loans to loans | 0.3329% | 1,989 |
| Net loans and leases to total assets | 57.7600% | 3,062 |
| Net loans and leases to deposits | 64.6811% | 3,256 |
| Net loans and leases to core deposits | 70.8947% | 3,251 |
| Total domestic deposits to total assets | 89.3000% | 977 |
| Equity capital to assets | 10.4896% | 1,726 |
| Core capital (leverage) ratio | 12.1203% | 1,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1898% | 675 |
| Memoranda: | ||
| Average total assets | $123,636,800 | 3,614 |
| Average earning assets | $115,268,200 | 3,590 |
| Average equity | $13,610,400 | 3,375 |
| Average total loans | $67,534,600 | 3,585 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1327% | 1,573 |
| Cost of funding earning assets | 1.0300% | 2,949 |
| Net interest margin | 4.1027% | 1,063 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.1845% | 3,120 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4909% | 1,143 |
| Return on assets (ROA) | 1.4909% | 1,119 |
| Pretax return on assets | 1.8794% | 890 |
| Return on Equity (ROE) | 13.3900% | 1,823 |
| Retained earnings to average equity (ytd only) | 3.7781% | 3,315 |
| Net charge-offs to loans | 0.0399% | 1,315 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 87.8000% | 989 |
| Efficiency ratio | 53.7530% | 3,605 |
| Assets per employee ($millions) | 6.6408% | 2,221 |
| Cash dividends to net income (ytd only)* | 71.7875% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9230% | 453 |
| Loan loss allowance to noncurrent loans | 608.5973% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.1849% | 2,359 |
| Noncurrent loans to loans | 0.3160% | 2,100 |
| Net loans and leases to total assets | 57.3900% | 3,087 |
| Net loans and leases to deposits | 65.1307% | 3,197 |
| Net loans and leases to core deposits | 71.5536% | 3,125 |
| Total domestic deposits to total assets | 88.1100% | 1,531 |
| Equity capital to assets | 11.4838% | 1,184 |
| Core capital (leverage) ratio | 13.6137% | 897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2402% | 473 |
| Memoranda: | ||
| Average total assets | $124,573,500 | 3,619 |
| Average earning assets | $116,244,500 | 3,595 |
| Average equity | $13,869,000 | 3,345 |
| Average total loans | $66,769,500 | 3,609 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7976% | 1,623 |
| Cost of funding earning assets | 0.8013% | 2,731 |
| Net interest margin | 3.9963% | 1,270 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.1205% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4663% | 1,247 |
| Return on assets (ROA) | 1.4663% | 1,224 |
| Pretax return on assets | 1.8456% | 993 |
| Return on Equity (ROE) | 13.3000% | 1,930 |
| Retained earnings to average equity (ytd only) | -15.3681% | 4,553 |
| Net charge-offs to loans | 0.0309% | 1,089 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 116.8000% | 721 |
| Efficiency ratio | 53.4661% | 3,658 |
| Assets per employee ($millions) | 6.4732% | 2,356 |
| Cash dividends to net income (ytd only)* | 215.5172% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1203% | 369 |
| Loan loss allowance to noncurrent loans | 207.9511% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 976 |
| Noncurrent loans to loans | 1.0196% | 713 |
| Net loans and leases to total assets | 51.0500% | 3,416 |
| Net loans and leases to deposits | 57.7683% | 3,464 |
| Net loans and leases to core deposits | 63.2794% | 3,375 |
| Total domestic deposits to total assets | 88.3600% | 1,790 |
| Equity capital to assets | 11.2179% | 1,261 |
| Core capital (leverage) ratio | 12.4251% | 1,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6054% | 525 |
| Memoranda: | ||
| Average total assets | $126,574,500 | 3,652 |
| Average earning assets | $118,309,000 | 3,631 |
| Average equity | $13,951,000 | 3,392 |
| Average total loans | $64,740,500 | 3,683 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9049% | 1,971 |
| Cost of funding earning assets | 0.3159% | 2,749 |
| Net interest margin | 3.5890% | 1,676 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.1707% | 3,096 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1153% | 2,102 |
| Return on assets (ROA) | 1.1153% | 2,040 |
| Pretax return on assets | 1.4087% | 1,743 |
| Return on Equity (ROE) | 10.4900% | 2,646 |
| Retained earnings to average equity (ytd only) | 10.4875% | 1,008 |
| Net charge-offs to loans | 0.0089% | 2,050 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 309.6667% | 477 |
| Efficiency ratio | 60.6439% | 2,967 |
| Assets per employee ($millions) | 6.5079% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0891% | 365 |
| Loan loss allowance to noncurrent loans | 1,312.5000% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 3,000 |
| Noncurrent loans to loans | 0.1592% | 2,702 |
| Net loans and leases to total assets | 49.1500% | 3,571 |
| Net loans and leases to deposits | 55.3231% | 3,608 |
| Net loans and leases to core deposits | 58.4125% | 3,590 |
| Total domestic deposits to total assets | 88.8400% | 1,762 |
| Equity capital to assets | 10.8368% | 1,326 |
| Core capital (leverage) ratio | 12.8589% | 981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9223% | 424 |
| Memoranda: | ||
| Average total assets | $131,894,800 | 3,611 |
| Average earning assets | $123,767,800 | 3,578 |
| Average equity | $14,026,200 | 3,463 |
| Average total loans | $67,050,200 | 3,626 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3469% | 2,588 |
| Cost of funding earning assets | 0.2128% | 2,736 |
| Net interest margin | 3.1341% | 2,426 |
| Noninterest income to average assets | 0.2017% | 3,987 |
| Noninterest expense to average assets | 2.2102% | 2,816 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7639% | 3,094 |
| Return on assets (ROA) | 0.7639% | 3,055 |
| Pretax return on assets | 0.9405% | 2,928 |
| Return on Equity (ROE) | 7.2617% | 3,232 |
| Retained earnings to average equity (ytd only) | 7.2617% | 1,890 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1507% | 1,939 |
| Assets per employee ($millions) | 6.6210% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0745% | 474 |
| Loan loss allowance to noncurrent loans | 1,292.4528% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 3,185 |
| Noncurrent loans to loans | 0.1605% | 2,894 |
| Net loans and leases to total assets | 48.8366% | 3,480 |
| Net loans and leases to deposits | 55.4404% | 3,425 |
| Net loans and leases to core deposits | 59.0995% | 3,342 |
| Total domestic deposits to total assets | 88.0886% | 2,540 |
| Equity capital to assets | 10.3875% | 1,486 |
| Core capital (leverage) ratio | 11.0440% | 1,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3191% | 460 |
| Memoranda: | ||
| Average total assets | $134,828,333 | 3,651 |
| Average earning assets | $126,862,000 | 3,635 |
| Average equity | $14,184,000 | 3,567 |
| Average total loans | $67,504,667 | 3,664 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2029% | 2,683 |
| Cost of funding earning assets | 0.2152% | 2,597 |
| Net interest margin | 2.9878% | 2,538 |
| Noninterest income to average assets | 0.1911% | 4,017 |
| Noninterest expense to average assets | 2.3347% | 2,382 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5587% | 3,531 |
| Return on assets (ROA) | 0.5587% | 3,506 |
| Pretax return on assets | 0.6734% | 3,468 |
| Return on Equity (ROE) | 5.2783% | 3,548 |
| Retained earnings to average equity (ytd only) | 5.2783% | 2,488 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6149% | 1,349 |
| Assets per employee ($millions) | 7.2571% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0655% | 557 |
| Loan loss allowance to noncurrent loans | 2,016.1765% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 3,570 |
| Noncurrent loans to loans | 0.1024% | 3,327 |
| Net loans and leases to total assets | 44.7872% | 3,679 |
| Net loans and leases to deposits | 50.3119% | 3,711 |
| Net loans and leases to core deposits | 53.1738% | 3,651 |
| Total domestic deposits to total assets | 89.0190% | 2,074 |
| Equity capital to assets | 9.7002% | 2,132 |
| Core capital (leverage) ratio | 11.1576% | 1,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6062% | 455 |
| Memoranda: | ||
| Average total assets | $136,033,000 | 3,657 |
| Average earning assets | $128,257,000 | 3,631 |
| Average equity | $14,398,500 | 3,616 |
| Average total loans | $68,237,500 | 3,651 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9090% | 1,585 |
| Cost of funding earning assets | 0.3314% | 2,109 |
| Net interest margin | 3.5776% | 1,527 |
| Noninterest income to average assets | 0.2531% | 3,856 |
| Noninterest expense to average assets | 2.5146% | 2,140 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9029% | 3,034 |
| Return on assets (ROA) | 0.9029% | 3,099 |
| Pretax return on assets | 1.0897% | 3,008 |
| Return on Equity (ROE) | 7.3437% | 3,424 |
| Retained earnings to average equity (ytd only) | 2.8889% | 3,683 |
| Net charge-offs to loans | -0.0712% | 4,467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7674% | 1,765 |
| Assets per employee ($millions) | 6.0440% | 2,722 |
| Cash dividends to net income (ytd only)* | 60.6618% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9544% | 655 |
| Loan loss allowance to noncurrent loans | 2,174.6032% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 3,642 |
| Noncurrent loans to loans | 0.0899% | 3,481 |
| Net loans and leases to total assets | 54.1497% | 2,832 |
| Net loans and leases to deposits | 62.2940% | 2,852 |
| Net loans and leases to core deposits | 66.2940% | 2,792 |
| Total domestic deposits to total assets | 86.9260% | 2,552 |
| Equity capital to assets | 11.5959% | 1,462 |
| Core capital (leverage) ratio | 12.0712% | 1,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9028% | 497 |
| Memoranda: | ||
| Average total assets | $120,496,200 | 3,793 |
| Average earning assets | $112,868,400 | 3,778 |
| Average equity | $14,815,400 | 3,658 |
| Average total loans | $70,218,600 | 3,640 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0121% | 1,508 |
| Cost of funding earning assets | 0.3548% | 2,069 |
| Net interest margin | 3.6572% | 1,444 |
| Noninterest income to average assets | 0.2579% | 3,851 |
| Noninterest expense to average assets | 2.4392% | 2,309 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0003% | 2,905 |
| Return on assets (ROA) | 1.0003% | 2,969 |
| Pretax return on assets | 1.2403% | 2,802 |
| Return on Equity (ROE) | 8.0143% | 3,400 |
| Retained earnings to average equity (ytd only) | 6.6666% | 2,548 |
| Net charge-offs to loans | -0.1044% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2908% | 2,064 |
| Assets per employee ($millions) | 5.9510% | 2,741 |
| Cash dividends to net income (ytd only)* | 16.8161% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9338% | 724 |
| Loan loss allowance to noncurrent loans | 13,750.0000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 4,192 |
| Noncurrent loans to loans | 0.0141% | 4,103 |
| Net loans and leases to total assets | 58.5860% | 2,414 |
| Net loans and leases to deposits | 68.4477% | 2,399 |
| Net loans and leases to core deposits | 74.9879% | 2,142 |
| Total domestic deposits to total assets | 85.5923% | 2,915 |
| Equity capital to assets | 12.7516% | 1,071 |
| Core capital (leverage) ratio | 12.2365% | 1,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9656% | 488 |
| Memoranda: | ||
| Average total assets | $118,889,250 | 3,857 |
| Average earning assets | $111,228,750 | 3,842 |
| Average equity | $14,839,750 | 3,700 |
| Average total loans | $70,248,500 | 3,695 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7972% | 2,077 |
| Cost of funding earning assets | 0.3652% | 2,179 |
| Net interest margin | 3.4321% | 2,055 |
| Noninterest income to average assets | 0.2541% | 3,873 |
| Noninterest expense to average assets | 2.2483% | 2,927 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9828% | 2,946 |
| Return on assets (ROA) | 0.9828% | 3,036 |
| Pretax return on assets | 1.2167% | 2,865 |
| Return on Equity (ROE) | 7.9308% | 3,424 |
| Retained earnings to average equity (ytd only) | 5.8938% | 2,843 |
| Net charge-offs to loans | -0.0572% | 4,433 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8859% | 2,313 |
| Assets per employee ($millions) | 6.1599% | 2,474 |
| Cash dividends to net income (ytd only)* | 25.6849% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8812% | 763 |
| Loan loss allowance to noncurrent loans | 2,627.4510% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 3,975 |
| Noncurrent loans to loans | 0.0716% | 3,829 |
| Net loans and leases to total assets | 56.7323% | 2,811 |
| Net loans and leases to deposits | 65.6568% | 2,855 |
| Net loans and leases to core deposits | 73.2079% | 2,494 |
| Total domestic deposits to total assets | 86.4072% | 2,589 |
| Equity capital to assets | 12.0919% | 1,321 |
| Core capital (leverage) ratio | 12.1611% | 1,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8353% | 493 |
| Memoranda: | ||
| Average total assets | $118,845,667 | 3,867 |
| Average earning assets | $111,186,333 | 3,857 |
| Average equity | $14,727,333 | 3,711 |
| Average total loans | $69,963,333 | 3,723 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8414% | 1,974 |
| Cost of funding earning assets | 0.3856% | 2,212 |
| Net interest margin | 3.4558% | 1,943 |
| Noninterest income to average assets | 0.2537% | 3,880 |
| Noninterest expense to average assets | 2.2594% | 2,910 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9874% | 2,844 |
| Return on assets (ROA) | 0.9874% | 2,942 |
| Pretax return on assets | 1.2205% | 2,787 |
| Return on Equity (ROE) | 7.8675% | 3,367 |
| Retained earnings to average equity (ytd only) | 7.8675% | 2,289 |
| Net charge-offs to loans | 0.0288% | 1,199 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 71.2000% | 753 |
| Efficiency ratio | 64.9261% | 2,361 |
| Assets per employee ($millions) | 6.0067% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8728% | 767 |
| Loan loss allowance to noncurrent loans | 1,643.7500% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 3,902 |
| Noncurrent loans to loans | 0.1139% | 3,736 |
| Net loans and leases to total assets | 57.3543% | 2,871 |
| Net loans and leases to deposits | 66.5643% | 2,858 |
| Net loans and leases to core deposits | 74.1927% | 2,499 |
| Total domestic deposits to total assets | 86.1638% | 2,676 |
| Equity capital to assets | 12.2239% | 1,189 |
| Core capital (leverage) ratio | 12.6196% | 952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2784% | 566 |
| Memoranda: | ||
| Average total assets | $116,669,500 | 3,893 |
| Average earning assets | $108,917,500 | 3,883 |
| Average equity | $14,642,500 | 3,728 |
| Average total loans | $69,328,500 | 3,755 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5352% | 1,227 |
| Cost of funding earning assets | 0.7147% | 1,646 |
| Net interest margin | 3.8205% | 1,445 |
| Noninterest income to average assets | 0.2691% | 3,869 |
| Noninterest expense to average assets | 2.3965% | 3,138 |
| Loan and lease loss provision to assets | 0.0415% | 3,879 |
| Net operating income to assets | 1.1208% | 1,836 |
| Return on assets (ROA) | 1.1208% | 1,961 |
| Pretax return on assets | 1.3789% | 1,724 |
| Return on Equity (ROE) | 8.5080% | 2,602 |
| Retained earnings to average equity (ytd only) | 3.8902% | 2,879 |
| Net charge-offs to loans | -0.1292% | 4,849 |
| Credit loss provision to net charge-offs | -48.9130% | 3,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7868% | 3,009 |
| Assets per employee ($millions) | 5.6603% | 2,676 |
| Cash dividends to net income (ytd only)* | 54.2763% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9287% | 680 |
| Loan loss allowance to noncurrent loans | 1,808.2192% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 4,020 |
| Noncurrent loans to loans | 0.1067% | 3,865 |
| Net loans and leases to total assets | 59.2907% | 2,949 |
| Net loans and leases to deposits | 69.4027% | 2,946 |
| Net loans and leases to core deposits | 79.0093% | 2,454 |
| Total domestic deposits to total assets | 85.4300% | 2,603 |
| Equity capital to assets | 12.8970% | 1,135 |
| Core capital (leverage) ratio | 12.6809% | 980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8688% | 596 |
| Memoranda: | ||
| Average total assets | $108,491,600 | 3,892 |
| Average earning assets | $100,746,000 | 3,882 |
| Average equity | $14,292,400 | 3,719 |
| Average total loans | $71,195,000 | 3,708 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5871% | 1,347 |
| Cost of funding earning assets | 0.7926% | 1,535 |
| Net interest margin | 3.7945% | 1,632 |
| Noninterest income to average assets | 0.2746% | 3,829 |
| Noninterest expense to average assets | 2.4451% | 3,006 |
| Loan and lease loss provision to assets | 0.0559% | 3,653 |
| Net operating income to assets | 1.0461% | 2,167 |
| Return on assets (ROA) | 1.0461% | 2,291 |
| Pretax return on assets | 1.2946% | 2,075 |
| Return on Equity (ROE) | 7.8973% | 2,842 |
| Retained earnings to average equity (ytd only) | 6.4904% | 1,888 |
| Net charge-offs to loans | -0.1521% | 4,888 |
| Credit loss provision to net charge-offs | -54.8780% | 3,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4190% | 2,672 |
| Assets per employee ($millions) | 5.2585% | 2,937 |
| Cash dividends to net income (ytd only)* | 17.8147% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7386% | 827 |
| Loan loss allowance to noncurrent loans | 2,079.3651% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 4,151 |
| Noncurrent loans to loans | 0.0836% | 4,032 |
| Net loans and leases to total assets | 67.0455% | 2,382 |
| Net loans and leases to deposits | 78.9795% | 2,424 |
| Net loans and leases to core deposits | 90.5674% | 1,923 |
| Total domestic deposits to total assets | 84.8897% | 2,484 |
| Equity capital to assets | 13.3725% | 1,040 |
| Core capital (leverage) ratio | 12.8652% | 986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7596% | 702 |
| Memoranda: | ||
| Average total assets | $107,313,250 | 3,905 |
| Average earning assets | $99,580,500 | 3,896 |
| Average equity | $14,215,500 | 3,731 |
| Average total loans | $71,883,750 | 3,711 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6104% | 1,626 |
| Cost of funding earning assets | 0.8718% | 1,489 |
| Net interest margin | 3.7386% | 2,032 |
| Noninterest income to average assets | 0.2823% | 3,774 |
| Noninterest expense to average assets | 2.4521% | 3,097 |
| Loan and lease loss provision to assets | 0.0847% | 3,222 |
| Net operating income to assets | 0.9861% | 2,378 |
| Return on assets (ROA) | 0.9861% | 2,511 |
| Pretax return on assets | 1.2157% | 2,313 |
| Return on Equity (ROE) | 7.4688% | 2,947 |
| Retained earnings to average equity (ytd only) | 5.3308% | 2,336 |
| Net charge-offs to loans | -0.1612% | 4,914 |
| Credit loss provision to net charge-offs | -78.9474% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3460% | 2,611 |
| Assets per employee ($millions) | 5.8232% | 2,346 |
| Cash dividends to net income (ytd only)* | 28.6260% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7686% | 708 |
| Loan loss allowance to noncurrent loans | 1,200.9346% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 3,952 |
| Noncurrent loans to loans | 0.1473% | 3,865 |
| Net loans and leases to total assets | 64.5092% | 2,819 |
| Net loans and leases to deposits | 75.6342% | 2,912 |
| Net loans and leases to core deposits | 86.8528% | 2,363 |
| Total domestic deposits to total assets | 85.2910% | 2,270 |
| Equity capital to assets | 13.0170% | 1,155 |
| Core capital (leverage) ratio | 12.9155% | 1,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7750% | 697 |
| Memoranda: | ||
| Average total assets | $106,275,000 | 3,908 |
| Average earning assets | $98,646,000 | 3,898 |
| Average equity | $14,031,667 | 3,758 |
| Average total loans | $70,729,333 | 3,740 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8947% | 1,203 |
| Cost of funding earning assets | 0.9623% | 1,596 |
| Net interest margin | 3.9323% | 1,570 |
| Noninterest income to average assets | 0.3036% | 3,694 |
| Noninterest expense to average assets | 2.5208% | 3,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1451% | 1,702 |
| Return on assets (ROA) | 1.1451% | 1,808 |
| Pretax return on assets | 1.4257% | 1,492 |
| Return on Equity (ROE) | 8.6087% | 2,274 |
| Retained earnings to average equity (ytd only) | 8.6087% | 1,080 |
| Net charge-offs to loans | -0.1032% | 4,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8754% | 3,252 |
| Assets per employee ($millions) | 5.2270% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7431% | 800 |
| Loan loss allowance to noncurrent loans | 548.4018% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 3,639 |
| Noncurrent loans to loans | 0.3178% | 3,355 |
| Net loans and leases to total assets | 64.7615% | 2,972 |
| Net loans and leases to deposits | 76.3413% | 3,038 |
| Net loans and leases to core deposits | 87.5787% | 2,556 |
| Total domestic deposits to total assets | 84.8315% | 2,474 |
| Equity capital to assets | 13.3873% | 1,266 |
| Core capital (leverage) ratio | 13.1744% | 1,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9446% | 754 |
| Memoranda: | ||
| Average total assets | $104,092,500 | 3,932 |
| Average earning assets | $96,431,500 | 3,916 |
| Average equity | $13,846,500 | 3,789 |
| Average total loans | $69,765,000 | 3,766 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0000% | 1,484 |
| Cost of funding earning assets | 1.0618% | 1,466 |
| Net interest margin | 3.9381% | 2,037 |
| Noninterest income to average assets | 0.3354% | 3,702 |
| Noninterest expense to average assets | 2.4731% | 3,519 |
| Loan and lease loss provision to assets | 0.0374% | 3,265 |
| Net operating income to assets | 1.1736% | 2,160 |
| Return on assets (ROA) | 1.1736% | 2,259 |
| Pretax return on assets | 1.4588% | 1,946 |
| Return on Equity (ROE) | 8.8526% | 2,821 |
| Retained earnings to average equity (ytd only) | 3.9551% | 2,985 |
| Net charge-offs to loans | 0.0421% | 2,549 |
| Credit loss provision to net charge-offs | 126.6667% | 2,012 |
| Earnings coverage of net charge-offs (x) | 50.7000% | 1,120 |
| Efficiency ratio | 62.3048% | 3,326 |
| Assets per employee ($millions) | 4.9355% | 2,668 |
| Cash dividends to net income (ytd only)* | 55.3227% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 838 |
| Loan loss allowance to noncurrent loans | 931.4961% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 4,031 |
| Noncurrent loans to loans | 0.1798% | 3,812 |
| Net loans and leases to total assets | 67.0021% | 2,829 |
| Net loans and leases to deposits | 78.7993% | 2,929 |
| Net loans and leases to core deposits | 90.7813% | 2,348 |
| Total domestic deposits to total assets | 85.0288% | 2,480 |
| Equity capital to assets | 13.2161% | 1,410 |
| Core capital (leverage) ratio | 13.4812% | 1,061 |
| Tier 1 risk-based capital ratio | 18.8996% | 1,537 |
| Total risk-based capital ratio | 20.1531% | 1,505 |
| Memoranda: | ||
| Average total assets | $101,655,600 | 3,976 |
| Average earning assets | $93,800,600 | 3,974 |
| Average equity | $13,476,200 | 3,820 |
| Average total loans | $71,332,200 | 3,750 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0512% | 1,414 |
| Cost of funding earning assets | 1.0726% | 1,460 |
| Net interest margin | 3.9786% | 2,023 |
| Noninterest income to average assets | 0.3466% | 3,651 |
| Noninterest expense to average assets | 2.5227% | 3,369 |
| Loan and lease loss provision to assets | 0.0488% | 2,921 |
| Net operating income to assets | 1.1665% | 2,313 |
| Return on assets (ROA) | 1.1665% | 2,397 |
| Pretax return on assets | 1.4419% | 2,147 |
| Return on Equity (ROE) | 8.7921% | 2,961 |
| Retained earnings to average equity (ytd only) | 7.3020% | 1,710 |
| Net charge-offs to loans | 0.0634% | 1,917 |
| Credit loss provision to net charge-offs | 108.8235% | 2,109 |
| Earnings coverage of net charge-offs (x) | 33.2663% | 1,532 |
| Efficiency ratio | 62.8571% | 3,187 |
| Assets per employee ($millions) | 4.7155% | 2,899 |
| Cash dividends to net income (ytd only)* | 16.9496% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 998 |
| Loan loss allowance to noncurrent loans | 512.6087% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 3,643 |
| Noncurrent loans to loans | 0.3120% | 3,407 |
| Net loans and leases to total assets | 73.2565% | 1,953 |
| Net loans and leases to deposits | 87.4539% | 2,002 |
| Net loans and leases to core deposits | 101.4219% | 1,554 |
| Total domestic deposits to total assets | 83.7659% | 2,909 |
| Equity capital to assets | 14.1104% | 1,106 |
| Core capital (leverage) ratio | 13.7558% | 1,056 |
| Tier 1 risk-based capital ratio | 18.6045% | 1,663 |
| Total risk-based capital ratio | 19.8580% | 1,629 |
| Memoranda: | ||
| Average total assets | $101,158,000 | 4,027 |
| Average earning assets | $93,230,500 | 4,030 |
| Average equity | $13,420,750 | 3,863 |
| Average total loans | $71,508,250 | 3,793 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 1,616 |
| Cost of funding earning assets | 1.0386% | 1,539 |
| Net interest margin | 3.9096% | 2,216 |
| Noninterest income to average assets | 0.3141% | 3,828 |
| Noninterest expense to average assets | 2.5543% | 3,319 |
| Loan and lease loss provision to assets | 0.0726% | 2,364 |
| Net operating income to assets | 1.0543% | 2,704 |
| Return on assets (ROA) | 1.0543% | 2,770 |
| Pretax return on assets | 1.2938% | 2,584 |
| Return on Equity (ROE) | 8.1138% | 3,242 |
| Retained earnings to average equity (ytd only) | 5.8474% | 2,352 |
| Net charge-offs to loans | -0.0085% | 4,275 |
| Credit loss provision to net charge-offs | -1,233.3333% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1477% | 2,956 |
| Assets per employee ($millions) | 4.7690% | 2,785 |
| Cash dividends to net income (ytd only)* | 27.9330% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6729% | 869 |
| Loan loss allowance to noncurrent loans | 410.8108% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6600% | 2,061 |
| Noncurrent loans to loans | 0.4072% | 3,074 |
| Net loans and leases to total assets | 71.3630% | 2,315 |
| Net loans and leases to deposits | 84.4809% | 2,436 |
| Net loans and leases to core deposits | 94.8822% | 2,166 |
| Total domestic deposits to total assets | 84.4723% | 2,695 |
| Equity capital to assets | 13.5537% | 1,295 |
| Core capital (leverage) ratio | 13.5080% | 1,113 |
| Tier 1 risk-based capital ratio | 18.3971% | 1,700 |
| Total risk-based capital ratio | 19.6510% | 1,657 |
| Memoranda: | ||
| Average total assets | $101,868,670 | 4,035 |
| Average earning assets | $93,972,670 | 4,035 |
| Average equity | $13,236,670 | 3,895 |
| Average total loans | $70,770,330 | 3,823 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 1,561 |
| Cost of funding earning assets | 1.0067% | 1,543 |
| Net interest margin | 3.9045% | 2,173 |
| Noninterest income to average assets | 0.3115% | 3,779 |
| Noninterest expense to average assets | 2.5115% | 3,471 |
| Loan and lease loss provision to assets | 0.1441% | 1,185 |
| Net operating income to assets | 1.0319% | 2,739 |
| Return on assets (ROA) | 1.0319% | 2,776 |
| Pretax return on assets | 1.2655% | 2,582 |
| Return on Equity (ROE) | 8.1114% | 3,213 |
| Retained earnings to average equity (ytd only) | 8.1114% | 1,613 |
| Net charge-offs to loans | -0.0115% | 4,277 |
| Credit loss provision to net charge-offs | -1,850.0000% | 4,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0516% | 3,231 |
| Assets per employee ($millions) | 4.8393% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7568% | 767 |
| Loan loss allowance to noncurrent loans | 153.4766% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.7783% | 1,813 |
| Noncurrent loans to loans | 1.1447% | 1,457 |
| Net loans and leases to total assets | 66.8028% | 2,931 |
| Net loans and leases to deposits | 78.4508% | 3,015 |
| Net loans and leases to core deposits | 87.8060% | 2,709 |
| Total domestic deposits to total assets | 85.1524% | 2,620 |
| Equity capital to assets | 13.0793% | 1,408 |
| Core capital (leverage) ratio | 13.0935% | 1,230 |
| Tier 1 risk-based capital ratio | 18.9304% | 1,558 |
| Total risk-based capital ratio | 20.1856% | 1,525 |
| Memoranda: | ||
| Average total assets | $102,728,000 | 4,060 |
| Average earning assets | $94,967,000 | 4,055 |
| Average equity | $13,068,000 | 3,937 |
| Average total loans | $69,812,500 | 3,865 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9052% | 1,272 |
| Cost of funding earning assets | 0.8217% | 1,432 |
| Net interest margin | 4.0835% | 1,737 |
| Noninterest income to average assets | 0.3555% | 3,721 |
| Noninterest expense to average assets | 2.5564% | 3,450 |
| Loan and lease loss provision to assets | 0.0749% | 2,632 |
| Net operating income to assets | 1.2083% | 2,124 |
| Return on assets (ROA) | 1.2083% | 2,123 |
| Pretax return on assets | 1.4859% | 1,827 |
| Return on Equity (ROE) | 9.5373% | 2,730 |
| Retained earnings to average equity (ytd only) | 4.8081% | 2,885 |
| Net charge-offs to loans | -0.0690% | 5,058 |
| Credit loss provision to net charge-offs | -156.2500% | 4,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0907% | 3,505 |
| Assets per employee ($millions) | 4.9443% | 2,567 |
| Cash dividends to net income (ytd only)* | 49.5868% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6661% | 890 |
| Loan loss allowance to noncurrent loans | 147.4279% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7676% | 1,822 |
| Noncurrent loans to loans | 1.1301% | 1,419 |
| Net loans and leases to total assets | 66.7890% | 3,031 |
| Net loans and leases to deposits | 77.7258% | 3,197 |
| Net loans and leases to core deposits | 86.3427% | 2,887 |
| Total domestic deposits to total assets | 85.9289% | 2,268 |
| Equity capital to assets | 12.3702% | 1,654 |
| Core capital (leverage) ratio | 12.6836% | 1,388 |
| Tier 1 risk-based capital ratio | 17.9559% | 1,766 |
| Total risk-based capital ratio | 19.2103% | 1,726 |
| Memoranda: | ||
| Average total assets | $100,142,200 | 4,100 |
| Average earning assets | $92,248,200 | 4,099 |
| Average equity | $12,687,000 | 3,931 |
| Average total loans | $69,601,400 | 3,876 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9179% | 1,121 |
| Cost of funding earning assets | 0.7649% | 1,510 |
| Net interest margin | 4.1530% | 1,488 |
| Noninterest income to average assets | 0.3534% | 3,769 |
| Noninterest expense to average assets | 2.5774% | 3,356 |
| Loan and lease loss provision to assets | 0.1008% | 1,982 |
| Net operating income to assets | 1.2148% | 2,177 |
| Return on assets (ROA) | 1.2148% | 2,181 |
| Pretax return on assets | 1.4983% | 1,899 |
| Return on Equity (ROE) | 9.5298% | 2,830 |
| Retained earnings to average equity (ytd only) | 7.9485% | 1,680 |
| Net charge-offs to loans | -0.0923% | 5,140 |
| Credit loss provision to net charge-offs | -156.2500% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7117% | 3,552 |
| Assets per employee ($millions) | 4.7249% | 2,815 |
| Cash dividends to net income (ytd only)* | 16.5934% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 1,106 |
| Loan loss allowance to noncurrent loans | 360.4294% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 3,365 |
| Noncurrent loans to loans | 0.4407% | 3,076 |
| Net loans and leases to total assets | 73.3640% | 2,100 |
| Net loans and leases to deposits | 88.2972% | 2,113 |
| Net loans and leases to core deposits | 97.0923% | 2,013 |
| Total domestic deposits to total assets | 83.0876% | 3,279 |
| Equity capital to assets | 12.9990% | 1,341 |
| Core capital (leverage) ratio | 13.5146% | 1,100 |
| Tier 1 risk-based capital ratio | 18.1823% | 1,746 |
| Total risk-based capital ratio | 19.4359% | 1,696 |
| Memoranda: | ||
| Average total assets | $99,220,250 | 4,153 |
| Average earning assets | $91,336,750 | 4,161 |
| Average equity | $12,647,750 | 3,967 |
| Average total loans | $69,371,250 | 3,918 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9103% | 995 |
| Cost of funding earning assets | 0.7227% | 1,507 |
| Net interest margin | 4.1875% | 1,314 |
| Noninterest income to average assets | 0.3467% | 3,854 |
| Noninterest expense to average assets | 2.5439% | 3,504 |
| Loan and lease loss provision to assets | 0.1512% | 1,253 |
| Net operating income to assets | 1.2215% | 2,091 |
| Return on assets (ROA) | 1.2215% | 2,091 |
| Pretax return on assets | 1.5058% | 1,795 |
| Return on Equity (ROE) | 9.6464% | 2,740 |
| Retained earnings to average equity (ytd only) | 7.2586% | 1,948 |
| Net charge-offs to loans | -0.1179% | 5,211 |
| Credit loss provision to net charge-offs | -187.5000% | 4,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5566% | 3,844 |
| Assets per employee ($millions) | 4.7094% | 2,806 |
| Cash dividends to net income (ytd only)* | 24.7525% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6571% | 981 |
| Loan loss allowance to noncurrent loans | 190.6863% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6188% | 2,370 |
| Noncurrent loans to loans | 0.8690% | 1,987 |
| Net loans and leases to total assets | 70.0294% | 2,576 |
| Net loans and leases to deposits | 82.0415% | 2,765 |
| Net loans and leases to core deposits | 90.0213% | 2,565 |
| Total domestic deposits to total assets | 85.3585% | 2,541 |
| Equity capital to assets | 12.7992% | 1,392 |
| Core capital (leverage) ratio | 13.1429% | 1,174 |
| Tier 1 risk-based capital ratio | 17.9940% | 1,796 |
| Total risk-based capital ratio | 19.2479% | 1,765 |
| Memoranda: | ||
| Average total assets | $99,219,330 | 4,185 |
| Average earning assets | $91,318,670 | 4,200 |
| Average equity | $12,564,330 | 3,999 |
| Average total loans | $67,838,670 | 3,977 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0399% | 641 |
| Cost of funding earning assets | 0.6950% | 1,470 |
| Net interest margin | 4.3449% | 868 |
| Noninterest income to average assets | 0.3421% | 3,861 |
| Noninterest expense to average assets | 2.5478% | 3,497 |
| Loan and lease loss provision to assets | 0.1489% | 1,224 |
| Net operating income to assets | 1.3282% | 1,550 |
| Return on assets (ROA) | 1.3282% | 1,558 |
| Pretax return on assets | 1.6462% | 1,253 |
| Return on Equity (ROE) | 10.5452% | 2,154 |
| Retained earnings to average equity (ytd only) | 10.5452% | 1,007 |
| Net charge-offs to loans | -0.0421% | 4,891 |
| Credit loss provision to net charge-offs | -528.5714% | 4,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6654% | 4,267 |
| Assets per employee ($millions) | 4.6287% | 2,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6628% | 1,025 |
| Loan loss allowance to noncurrent loans | 192.6186% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.5854% | 2,573 |
| Noncurrent loans to loans | 0.8632% | 2,094 |
| Net loans and leases to total assets | 66.6838% | 2,942 |
| Net loans and leases to deposits | 78.4418% | 2,966 |
| Net loans and leases to core deposits | 84.0308% | 2,977 |
| Total domestic deposits to total assets | 85.0106% | 2,927 |
| Equity capital to assets | 12.9874% | 1,254 |
| Core capital (leverage) ratio | 12.6140% | 1,340 |
| Tier 1 risk-based capital ratio | 18.7689% | 1,612 |
| Total risk-based capital ratio | 20.0223% | 1,572 |
| Memoranda: | ||
| Average total assets | $99,380,500 | 4,232 |
| Average earning assets | $91,509,000 | 4,242 |
| Average equity | $12,517,500 | 4,043 |
| Average total loans | $66,546,000 | 4,042 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5488% | 1,565 |
| Cost of funding earning assets | 0.7002% | 1,016 |
| Net interest margin | 3.8486% | 2,261 |
| Noninterest income to average assets | 0.3386% | 4,048 |
| Noninterest expense to average assets | 2.5154% | 3,730 |
| Loan and lease loss provision to assets | 0.0756% | 2,685 |
| Net operating income to assets | 0.6524% | 3,808 |
| Return on assets (ROA) | 0.6530% | 3,844 |
| Pretax return on assets | 1.2829% | 2,417 |
| Return on Equity (ROE) | 5.1827% | 4,091 |
| Retained earnings to average equity (ytd only) | 1.3437% | 4,468 |
| Net charge-offs to loans | -0.0174% | 4,920 |
| Credit loss provision to net charge-offs | -625.0000% | 4,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9493% | 3,458 |
| Assets per employee ($millions) | 4.8361% | 2,689 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 1,227 |
| Loan loss allowance to noncurrent loans | 142.9348% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7779% | 2,006 |
| Noncurrent loans to loans | 1.0956% | 1,617 |
| Net loans and leases to total assets | 65.1109% | 3,210 |
| Net loans and leases to deposits | 75.7813% | 3,352 |
| Net loans and leases to core deposits | 81.3098% | 3,310 |
| Total domestic deposits to total assets | 85.9195% | 2,479 |
| Equity capital to assets | 12.2205% | 1,688 |
| Core capital (leverage) ratio | 12.3802% | 1,409 |
| Tier 1 risk-based capital ratio | 17.5595% | 1,931 |
| Total risk-based capital ratio | 18.8124% | 1,878 |
| Memoranda: | ||
| Average total assets | $99,229,600 | 4,251 |
| Average earning assets | $91,123,200 | 4,262 |
| Average equity | $12,503,200 | 4,056 |
| Average total loans | $68,815,600 | 3,994 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5553% | 1,486 |
| Cost of funding earning assets | 0.7027% | 951 |
| Net interest margin | 3.8526% | 2,210 |
| Noninterest income to average assets | 0.3406% | 4,099 |
| Noninterest expense to average assets | 2.5383% | 3,600 |
| Loan and lease loss provision to assets | 0.1014% | 2,090 |
| Net operating income to assets | 0.8951% | 3,054 |
| Return on assets (ROA) | 0.8961% | 3,100 |
| Pretax return on assets | 1.2367% | 2,760 |
| Return on Equity (ROE) | 7.0570% | 3,628 |
| Retained earnings to average equity (ytd only) | 5.7797% | 2,384 |
| Net charge-offs to loans | -0.0559% | 5,198 |
| Credit loss provision to net charge-offs | -258.6207% | 4,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5040% | 3,286 |
| Assets per employee ($millions) | 5.0109% | 2,432 |
| Cash dividends to net income (ytd only)* | 18.1000% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 1,714 |
| Loan loss allowance to noncurrent loans | 142.7236% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.7783% | 2,192 |
| Noncurrent loans to loans | 1.0130% | 1,920 |
| Net loans and leases to total assets | 72.7125% | 2,145 |
| Net loans and leases to deposits | 87.7277% | 2,095 |
| Net loans and leases to core deposits | 94.1766% | 2,262 |
| Total domestic deposits to total assets | 82.8843% | 3,493 |
| Equity capital to assets | 12.8360% | 1,474 |
| Core capital (leverage) ratio | 13.3202% | 1,098 |
| Tier 1 risk-based capital ratio | 17.2168% | 2,090 |
| Total risk-based capital ratio | 18.4684% | 2,040 |
| Memoranda: | ||
| Average total assets | $98,647,250 | 4,305 |
| Average earning assets | $90,499,500 | 4,319 |
| Average equity | $12,526,250 | 4,094 |
| Average total loans | $69,225,000 | 4,011 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5214% | 1,463 |
| Cost of funding earning assets | 0.7177% | 813 |
| Net interest margin | 3.8038% | 2,276 |
| Noninterest income to average assets | 0.3322% | 4,164 |
| Noninterest expense to average assets | 2.5682% | 3,530 |
| Loan and lease loss provision to assets | 0.1529% | 1,314 |
| Net operating income to assets | 0.8158% | 3,326 |
| Return on assets (ROA) | 0.8173% | 3,367 |
| Pretax return on assets | 1.1027% | 3,166 |
| Return on Equity (ROE) | 6.4606% | 3,848 |
| Retained earnings to average equity (ytd only) | 4.5273% | 3,018 |
| Net charge-offs to loans | -0.0739% | 5,318 |
| Credit loss provision to net charge-offs | -300.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2000% | 3,153 |
| Assets per employee ($millions) | 4.8289% | 2,610 |
| Cash dividends to net income (ytd only)* | 29.9252% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 1,529 |
| Loan loss allowance to noncurrent loans | 167.4528% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.7113% | 2,430 |
| Noncurrent loans to loans | 0.9048% | 2,166 |
| Net loans and leases to total assets | 71.6837% | 2,252 |
| Net loans and leases to deposits | 84.1876% | 2,445 |
| Net loans and leases to core deposits | 89.6855% | 2,552 |
| Total domestic deposits to total assets | 85.1476% | 2,756 |
| Equity capital to assets | 13.0766% | 1,339 |
| Core capital (leverage) ratio | 12.9549% | 1,191 |
| Tier 1 risk-based capital ratio | 17.6869% | 1,953 |
| Total risk-based capital ratio | 18.9403% | 1,909 |
| Memoranda: | ||
| Average total assets | $98,123,670 | 4,340 |
| Average earning assets | $90,015,670 | 4,356 |
| Average equity | $12,413,670 | 4,126 |
| Average total loans | $67,653,330 | 4,072 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 1,589 |
| Cost of funding earning assets | 0.7269% | 732 |
| Net interest margin | 3.6920% | 2,509 |
| Noninterest income to average assets | 0.3357% | 4,159 |
| Noninterest expense to average assets | 2.5643% | 3,610 |
| Loan and lease loss provision to assets | 0.1537% | 1,196 |
| Net operating income to assets | 0.7563% | 3,450 |
| Return on assets (ROA) | 0.7563% | 3,500 |
| Pretax return on assets | 1.0071% | 3,341 |
| Return on Equity (ROE) | 6.0783% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.0783% | 2,292 |
| Net charge-offs to loans | -0.0482% | 5,169 |
| Credit loss provision to net charge-offs | -475.0000% | 4,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8382% | 3,075 |
| Assets per employee ($millions) | 4.8861% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 1,623 |
| Loan loss allowance to noncurrent loans | 153.9634% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.8923% | 2,079 |
| Noncurrent loans to loans | 0.9878% | 2,075 |
| Net loans and leases to total assets | 66.9232% | 2,827 |
| Net loans and leases to deposits | 80.1456% | 2,733 |
| Net loans and leases to core deposits | 85.4507% | 2,768 |
| Total domestic deposits to total assets | 83.5020% | 3,658 |
| Equity capital to assets | 12.7137% | 1,396 |
| Core capital (leverage) ratio | 12.4614% | 1,356 |
| Tier 1 risk-based capital ratio | 17.7798% | 1,947 |
| Total risk-based capital ratio | 19.0322% | 1,895 |
| Memoranda: | ||
| Average total assets | $98,897,000 | 4,371 |
| Average earning assets | $90,791,000 | 4,377 |
| Average equity | $12,306,000 | 4,161 |
| Average total loans | $66,332,500 | 4,124 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 1,519 |
| Cost of funding earning assets | 0.7320% | 691 |
| Net interest margin | 3.7741% | 2,410 |
| Noninterest income to average assets | 0.3170% | 4,464 |
| Noninterest expense to average assets | 2.5804% | 3,738 |
| Loan and lease loss provision to assets | 0.2831% | 699 |
| Net operating income to assets | 0.7007% | 3,778 |
| Return on assets (ROA) | 0.7586% | 3,609 |
| Pretax return on assets | 1.0066% | 3,453 |
| Return on Equity (ROE) | 5.9573% | 3,999 |
| Retained earnings to average equity (ytd only) | 2.3199% | 4,208 |
| Net charge-offs to loans | 0.5216% | 464 |
| Credit loss provision to net charge-offs | 78.7966% | 2,987 |
| Earnings coverage of net charge-offs (x) | 3.3754% | 3,678 |
| Efficiency ratio | 68.0326% | 3,222 |
| Assets per employee ($millions) | 4.7654% | 2,697 |
| Cash dividends to net income (ytd only)* | 61.0583% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 1,850 |
| Loan loss allowance to noncurrent loans | 114.4721% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.1422% | 1,616 |
| Noncurrent loans to loans | 1.2723% | 1,608 |
| Net loans and leases to total assets | 65.2444% | 3,188 |
| Net loans and leases to deposits | 77.5403% | 3,156 |
| Net loans and leases to core deposits | 82.4873% | 3,174 |
| Total domestic deposits to total assets | 84.1426% | 3,376 |
| Equity capital to assets | 12.1791% | 1,693 |
| Core capital (leverage) ratio | 11.9137% | 1,656 |
| Tier 1 risk-based capital ratio | 16.8199% | 2,221 |
| Total risk-based capital ratio | 18.0781% | 2,169 |
| Memoranda: | ||
| Average total assets | $97,154,600 | 4,403 |
| Average earning assets | $89,478,600 | 4,400 |
| Average equity | $12,371,400 | 4,196 |
| Average total loans | $66,910,400 | 4,119 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5348% | 1,438 |
| Cost of funding earning assets | 0.7363% | 675 |
| Net interest margin | 3.7985% | 2,337 |
| Noninterest income to average assets | 0.3415% | 4,338 |
| Noninterest expense to average assets | 2.6175% | 3,604 |
| Loan and lease loss provision to assets | 0.2765% | 630 |
| Net operating income to assets | 0.7035% | 3,823 |
| Return on assets (ROA) | 0.7812% | 3,592 |
| Pretax return on assets | 1.0550% | 3,409 |
| Return on Equity (ROE) | 6.0666% | 4,041 |
| Retained earnings to average equity (ytd only) | 4.7782% | 2,974 |
| Net charge-offs to loans | 0.5447% | 386 |
| Credit loss provision to net charge-offs | 72.9927% | 2,749 |
| Earnings coverage of net charge-offs (x) | 3.2373% | 3,451 |
| Efficiency ratio | 68.0935% | 3,208 |
| Assets per employee ($millions) | 4.5318% | 3,037 |
| Cash dividends to net income (ytd only)* | 21.2396% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 2,410 |
| Loan loss allowance to noncurrent loans | 87.9672% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.1800% | 1,694 |
| Noncurrent loans to loans | 1.5416% | 1,405 |
| Net loans and leases to total assets | 73.7611% | 1,910 |
| Net loans and leases to deposits | 92.0098% | 1,497 |
| Net loans and leases to core deposits | 99.3405% | 1,700 |
| Total domestic deposits to total assets | 80.1667% | 4,477 |
| Equity capital to assets | 13.3291% | 1,331 |
| Core capital (leverage) ratio | 12.6377% | 1,344 |
| Tier 1 risk-based capital ratio | 16.6615% | 2,354 |
| Total risk-based capital ratio | 17.9174% | 2,298 |
| Memoranda: | ||
| Average total assets | $96,425,000 | 4,454 |
| Average earning assets | $88,909,750 | 4,452 |
| Average equity | $12,417,250 | 4,222 |
| Average total loans | $67,073,750 | 4,147 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 1,554 |
| Cost of funding earning assets | 0.7386% | 666 |
| Net interest margin | 3.7488% | 2,519 |
| Noninterest income to average assets | 0.3325% | 4,403 |
| Noninterest expense to average assets | 2.6001% | 3,720 |
| Loan and lease loss provision to assets | 0.2581% | 738 |
| Net operating income to assets | 0.6913% | 3,838 |
| Return on assets (ROA) | 0.8075% | 3,409 |
| Pretax return on assets | 1.0904% | 3,237 |
| Return on Equity (ROE) | 6.3433% | 3,881 |
| Retained earnings to average equity (ytd only) | 4.3965% | 3,117 |
| Net charge-offs to loans | 0.6422% | 322 |
| Credit loss provision to net charge-offs | 59.2417% | 2,588 |
| Earnings coverage of net charge-offs (x) | 2.7346% | 3,220 |
| Efficiency ratio | 68.5730% | 3,231 |
| Assets per employee ($millions) | 4.5187% | 2,987 |
| Cash dividends to net income (ytd only)* | 30.6905% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 2,325 |
| Loan loss allowance to noncurrent loans | 71.0134% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 1.4142% | 1,379 |
| Noncurrent loans to loans | 1.9618% | 1,019 |
| Net loans and leases to total assets | 71.0829% | 2,319 |
| Net loans and leases to deposits | 85.6555% | 2,289 |
| Net loans and leases to core deposits | 92.4938% | 2,312 |
| Total domestic deposits to total assets | 82.9870% | 3,660 |
| Equity capital to assets | 13.1665% | 1,407 |
| Core capital (leverage) ratio | 12.2338% | 1,504 |
| Tier 1 risk-based capital ratio | 16.6156% | 2,386 |
| Total risk-based capital ratio | 17.8706% | 2,329 |
| Memoranda: | ||
| Average total assets | $96,844,000 | 4,480 |
| Average earning assets | $89,362,000 | 4,479 |
| Average equity | $12,328,000 | 4,262 |
| Average total loans | $65,711,000 | 4,200 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 1,790 |
| Cost of funding earning assets | 0.7383% | 669 |
| Net interest margin | 3.6651% | 2,829 |
| Noninterest income to average assets | 0.2944% | 4,617 |
| Noninterest expense to average assets | 2.6171% | 3,698 |
| Loan and lease loss provision to assets | 0.2045% | 961 |
| Net operating income to assets | 0.6512% | 3,970 |
| Return on assets (ROA) | 0.7524% | 3,581 |
| Pretax return on assets | 0.9978% | 3,489 |
| Return on Equity (ROE) | 6.0106% | 3,981 |
| Retained earnings to average equity (ytd only) | 6.0106% | 2,368 |
| Net charge-offs to loans | 1.1932% | 150 |
| Credit loss provision to net charge-offs | 26.0417% | 2,254 |
| Earnings coverage of net charge-offs (x) | 1.3594% | 2,828 |
| Efficiency ratio | 71.0322% | 2,956 |
| Assets per employee ($millions) | 4.4414% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 2,521 |
| Loan loss allowance to noncurrent loans | 65.1890% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.4175% | 1,460 |
| Noncurrent loans to loans | 2.1144% | 992 |
| Net loans and leases to total assets | 65.6852% | 2,996 |
| Net loans and leases to deposits | 78.5742% | 2,942 |
| Net loans and leases to core deposits | 85.0756% | 2,839 |
| Total domestic deposits to total assets | 83.5964% | 3,675 |
| Equity capital to assets | 12.6620% | 1,582 |
| Core capital (leverage) ratio | 11.7903% | 1,758 |
| Tier 1 risk-based capital ratio | 18.5896% | 1,828 |
| Total risk-based capital ratio | 19.8463% | 1,784 |
| Memoranda: | ||
| Average total assets | $97,820,000 | 4,501 |
| Average earning assets | $90,474,500 | 4,489 |
| Average equity | $12,245,000 | 4,290 |
| Average total loans | $64,364,000 | 4,251 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5776% | 1,392 |
| Cost of funding earning assets | 0.7914% | 510 |
| Net interest margin | 3.7862% | 2,421 |
| Noninterest income to average assets | 0.5049% | 3,296 |
| Noninterest expense to average assets | 2.6852% | 3,633 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9147% | 2,789 |
| Return on assets (ROA) | 0.9357% | 2,764 |
| Pretax return on assets | 1.2925% | 2,317 |
| Return on Equity (ROE) | 7.4782% | 3,259 |
| Retained earnings to average equity (ytd only) | 3.9767% | 3,204 |
| Net charge-offs to loans | 0.3905% | 734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 4.7305% | 3,499 |
| Efficiency ratio | 68.0053% | 3,575 |
| Assets per employee ($millions) | 4.4514% | 3,122 |
| Cash dividends to net income (ytd only)* | 46.8227% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6324% | 1,523 |
| Loan loss allowance to noncurrent loans | 54.6554% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 1.9749% | 901 |
| Noncurrent loans to loans | 2.9866% | 540 |
| Net loans and leases to total assets | 63.9344% | 3,297 |
| Net loans and leases to deposits | 76.2749% | 3,218 |
| Net loans and leases to core deposits | 82.2109% | 3,123 |
| Total domestic deposits to total assets | 83.8211% | 3,556 |
| Equity capital to assets | 12.3741% | 1,685 |
| Core capital (leverage) ratio | 11.8936% | 1,688 |
| Tier 1 risk-based capital ratio | 17.8110% | 2,021 |
| Total risk-based capital ratio | 19.0737% | 1,966 |
| Memoranda: | ||
| Average total assets | $95,860,000 | 4,542 |
| Average earning assets | $87,184,600 | 4,556 |
| Average equity | $11,994,800 | 4,305 |
| Average total loans | $65,554,200 | 4,217 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 1,191 |
| Cost of funding earning assets | 0.8057% | 478 |
| Net interest margin | 3.8509% | 2,181 |
| Noninterest income to average assets | 0.5188% | 3,234 |
| Noninterest expense to average assets | 2.7172% | 3,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9189% | 2,869 |
| Return on assets (ROA) | 0.9467% | 2,830 |
| Pretax return on assets | 1.3299% | 2,284 |
| Return on Equity (ROE) | 7.5446% | 3,311 |
| Retained earnings to average equity (ytd only) | 6.5417% | 1,934 |
| Net charge-offs to loans | 0.5674% | 405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.2847% | 3,526 |
| Efficiency ratio | 67.7948% | 3,589 |
| Assets per employee ($millions) | 4.4976% | 3,013 |
| Cash dividends to net income (ytd only)* | 13.2943% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 2,152 |
| Loan loss allowance to noncurrent loans | 46.2170% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 2.4204% | 731 |
| Noncurrent loans to loans | 3.2500% | 510 |
| Net loans and leases to total assets | 70.4010% | 2,332 |
| Net loans and leases to deposits | 84.7984% | 2,309 |
| Net loans and leases to core deposits | 94.5510% | 2,031 |
| Total domestic deposits to total assets | 83.0215% | 3,813 |
| Equity capital to assets | 12.9668% | 1,465 |
| Core capital (leverage) ratio | 12.1435% | 1,598 |
| Tier 1 risk-based capital ratio | 17.1629% | 2,310 |
| Total risk-based capital ratio | 18.4251% | 2,248 |
| Memoranda: | ||
| Average total assets | $95,342,500 | 4,614 |
| Average earning assets | $86,384,500 | 4,629 |
| Average equity | $11,964,000 | 4,361 |
| Average total loans | $66,030,250 | 4,240 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6043% | 1,269 |
| Cost of funding earning assets | 0.8061% | 480 |
| Net interest margin | 3.7981% | 2,319 |
| Noninterest income to average assets | 0.6399% | 2,527 |
| Noninterest expense to average assets | 2.6934% | 3,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9795% | 2,501 |
| Return on assets (ROA) | 1.0205% | 2,399 |
| Pretax return on assets | 1.4534% | 1,790 |
| Return on Equity (ROE) | 8.2226% | 2,929 |
| Retained earnings to average equity (ytd only) | 6.7062% | 1,841 |
| Net charge-offs to loans | 0.8331% | 250 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.4432% | 3,341 |
| Efficiency ratio | 65.8824% | 4,031 |
| Assets per employee ($millions) | 4.5665% | 2,877 |
| Cash dividends to net income (ytd only)* | 18.4426% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 2,124 |
| Loan loss allowance to noncurrent loans | 48.0263% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 2.8458% | 607 |
| Noncurrent loans to loans | 3.2024% | 587 |
| Net loans and leases to total assets | 68.2274% | 2,611 |
| Net loans and leases to deposits | 81.5434% | 2,616 |
| Net loans and leases to core deposits | 91.7464% | 2,179 |
| Total domestic deposits to total assets | 83.6700% | 3,705 |
| Equity capital to assets | 12.4582% | 1,684 |
| Core capital (leverage) ratio | 11.7137% | 1,830 |
| Tier 1 risk-based capital ratio | 16.2944% | 2,713 |
| Total risk-based capital ratio | 17.5550% | 2,668 |
| Memoranda: | ||
| Average total assets | $95,640,330 | 4,640 |
| Average earning assets | $86,832,670 | 4,658 |
| Average equity | $11,869,670 | 4,406 |
| Average total loans | $65,538,000 | 4,292 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6829% | 1,064 |
| Cost of funding earning assets | 0.8004% | 496 |
| Net interest margin | 3.8825% | 1,954 |
| Noninterest income to average assets | 0.8878% | 1,429 |
| Noninterest expense to average assets | 2.6594% | 3,723 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2100% | 1,519 |
| Return on assets (ROA) | 1.2187% | 1,587 |
| Pretax return on assets | 1.7757% | 906 |
| Return on Equity (ROE) | 9.8386% | 2,076 |
| Retained earnings to average equity (ytd only) | 9.8386% | 967 |
| Net charge-offs to loans | 0.1721% | 1,243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 15.0357% | 1,645 |
| Efficiency ratio | 60.1326% | 5,077 |
| Assets per employee ($millions) | 4.5403% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9645% | 1,150 |
| Loan loss allowance to noncurrent loans | 66.6491% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 2.4993% | 861 |
| Noncurrent loans to loans | 2.9475% | 753 |
| Net loans and leases to total assets | 66.3146% | 2,721 |
| Net loans and leases to deposits | 79.2681% | 2,646 |
| Net loans and leases to core deposits | 89.1453% | 2,213 |
| Total domestic deposits to total assets | 83.6586% | 3,951 |
| Equity capital to assets | 12.6307% | 1,612 |
| Core capital (leverage) ratio | 11.7262% | 1,832 |
| Tier 1 risk-based capital ratio | 17.3564% | 2,353 |
| Total risk-based capital ratio | 19.2528% | 2,087 |
| Memoranda: | ||
| Average total assets | $95,512,000 | 4,675 |
| Average earning assets | $86,954,500 | 4,692 |
| Average equity | $11,831,000 | 4,444 |
| Average total loans | $65,082,000 | 4,330 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6264% | 1,483 |
| Cost of funding earning assets | 0.8555% | 489 |
| Net interest margin | 3.7710% | 2,729 |
| Noninterest income to average assets | 0.3859% | 4,293 |
| Noninterest expense to average assets | 2.5400% | 4,423 |
| Loan and lease loss provision to assets | 0.0504% | 3,555 |
| Net operating income to assets | 0.8950% | 2,901 |
| Return on assets (ROA) | 0.8957% | 2,982 |
| Pretax return on assets | 1.2251% | 2,547 |
| Return on Equity (ROE) | 7.8459% | 3,214 |
| Retained earnings to average equity (ytd only) | 4.4039% | 3,047 |
| Net charge-offs to loans | 0.8444% | 400 |
| Credit loss provision to net charge-offs | 8.8183% | 4,113 |
| Earnings coverage of net charge-offs (x) | 2.2310% | 4,216 |
| Efficiency ratio | 66.5874% | 4,135 |
| Assets per employee ($millions) | 4.5560% | 2,946 |
| Cash dividends to net income (ytd only)* | 43.8695% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9720% | 1,159 |
| Loan loss allowance to noncurrent loans | 56.8731% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 2.8952% | 718 |
| Noncurrent loans to loans | 3.4674% | 598 |
| Net loans and leases to total assets | 67.2816% | 2,681 |
| Net loans and leases to deposits | 79.8375% | 2,739 |
| Net loans and leases to core deposits | 86.0567% | 2,684 |
| Total domestic deposits to total assets | 84.2731% | 3,599 |
| Equity capital to assets | 12.1440% | 1,911 |
| Core capital (leverage) ratio | 12.3693% | 1,411 |
| Tier 1 risk-based capital ratio | 17.4157% | 2,347 |
| Total risk-based capital ratio | 18.6741% | 2,309 |
| Memoranda: | ||
| Average total assets | $99,253,400 | 4,620 |
| Average earning assets | $90,242,200 | 4,647 |
| Average equity | $11,330,800 | 4,492 |
| Average total loans | $67,147,200 | 4,260 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6202% | 1,514 |
| Cost of funding earning assets | 0.8895% | 437 |
| Net interest margin | 3.7307% | 2,894 |
| Noninterest income to average assets | 0.4154% | 4,134 |
| Noninterest expense to average assets | 2.5189% | 4,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9177% | 2,829 |
| Return on assets (ROA) | 0.9186% | 2,922 |
| Pretax return on assets | 1.2874% | 2,427 |
| Return on Equity (ROE) | 8.1712% | 3,119 |
| Retained earnings to average equity (ytd only) | 7.1054% | 1,765 |
| Net charge-offs to loans | 0.8768% | 374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.1757% | 3,975 |
| Efficiency ratio | 66.2001% | 4,189 |
| Assets per employee ($millions) | 4.3747% | 3,172 |
| Cash dividends to net income (ytd only)* | 13.0438% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0106% | 1,239 |
| Loan loss allowance to noncurrent loans | 62.5514% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 2.9716% | 797 |
| Noncurrent loans to loans | 3.2143% | 785 |
| Net loans and leases to total assets | 72.5729% | 1,750 |
| Net loans and leases to deposits | 87.1404% | 1,773 |
| Net loans and leases to core deposits | 97.3698% | 1,565 |
| Total domestic deposits to total assets | 83.2827% | 4,037 |
| Equity capital to assets | 12.6985% | 1,585 |
| Core capital (leverage) ratio | 12.2325% | 1,557 |
| Tier 1 risk-based capital ratio | 17.6938% | 2,319 |
| Total risk-based capital ratio | 18.9536% | 2,277 |
| Memoranda: | ||
| Average total assets | $100,147,500 | 4,638 |
| Average earning assets | $90,989,250 | 4,672 |
| Average equity | $11,258,750 | 4,539 |
| Average total loans | $67,517,000 | 4,291 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 1,839 |
| Cost of funding earning assets | 0.9281% | 365 |
| Net interest margin | 3.5691% | 3,492 |
| Noninterest income to average assets | 0.4392% | 3,950 |
| Noninterest expense to average assets | 2.4508% | 4,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8882% | 2,868 |
| Return on assets (ROA) | 0.8882% | 2,964 |
| Pretax return on assets | 1.2322% | 2,530 |
| Return on Equity (ROE) | 8.2172% | 2,979 |
| Retained earnings to average equity (ytd only) | 6.5989% | 1,982 |
| Net charge-offs to loans | 1.2087% | 257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.5577% | 3,774 |
| Efficiency ratio | 66.5435% | 4,274 |
| Assets per employee ($millions) | 4.6490% | 2,697 |
| Cash dividends to net income (ytd only)* | 19.6937% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0791% | 1,225 |
| Loan loss allowance to noncurrent loans | 61.2734% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 2.9479% | 868 |
| Noncurrent loans to loans | 3.3932% | 803 |
| Net loans and leases to total assets | 67.7787% | 2,446 |
| Net loans and leases to deposits | 80.0685% | 2,507 |
| Net loans and leases to core deposits | 89.2382% | 2,191 |
| Total domestic deposits to total assets | 84.6509% | 3,658 |
| Equity capital to assets | 11.6770% | 2,256 |
| Core capital (leverage) ratio | 11.3037% | 2,155 |
| Tier 1 risk-based capital ratio | 17.8174% | 2,304 |
| Total risk-based capital ratio | 19.0793% | 2,272 |
| Memoranda: | ||
| Average total assets | $102,907,000 | 4,608 |
| Average earning assets | $93,525,000 | 4,646 |
| Average equity | $11,123,000 | 4,580 |
| Average total loans | $67,342,670 | 4,318 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0275% | 3,579 |
| Cost of funding earning assets | 0.9486% | 343 |
| Net interest margin | 3.0789% | 5,310 |
| Noninterest income to average assets | 0.7125% | 2,112 |
| Noninterest expense to average assets | 2.4444% | 4,798 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7845% | 3,225 |
| Return on assets (ROA) | 0.7845% | 3,307 |
| Pretax return on assets | 1.0725% | 3,021 |
| Return on Equity (ROE) | 7.5379% | 3,179 |
| Retained earnings to average equity (ytd only) | 7.5379% | 1,802 |
| Net charge-offs to loans | 1.6660% | 182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.0107% | 3,207 |
| Efficiency ratio | 69.5043% | 3,910 |
| Assets per employee ($millions) | 4.7517% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3022% | 1,028 |
| Loan loss allowance to noncurrent loans | 56.9780% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 3.3041% | 806 |
| Noncurrent loans to loans | 4.0405% | 665 |
| Net loans and leases to total assets | 62.1502% | 3,215 |
| Net loans and leases to deposits | 74.8166% | 2,964 |
| Net loans and leases to core deposits | 83.5541% | 2,565 |
| Total domestic deposits to total assets | 83.0701% | 4,585 |
| Equity capital to assets | 10.6575% | 3,085 |
| Core capital (leverage) ratio | 10.5306% | 2,889 |
| Tier 1 risk-based capital ratio | 17.0300% | 2,677 |
| Total risk-based capital ratio | 18.2925% | 2,623 |
| Memoranda: | ||
| Average total assets | $105,546,500 | 4,591 |
| Average earning assets | $96,139,500 | 4,623 |
| Average equity | $10,984,500 | 4,617 |
| Average total loans | $67,226,000 | 4,352 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9277% | 1,042 |
| Cost of funding earning assets | 1.0619% | 338 |
| Net interest margin | 3.8658% | 2,410 |
| Noninterest income to average assets | 0.2639% | 5,457 |
| Noninterest expense to average assets | 2.5185% | 4,711 |
| Loan and lease loss provision to assets | 0.3489% | 908 |
| Net operating income to assets | 0.7013% | 3,788 |
| Return on assets (ROA) | 0.7037% | 3,864 |
| Pretax return on assets | 0.8610% | 3,915 |
| Return on Equity (ROE) | 6.6192% | 3,766 |
| Retained earnings to average equity (ytd only) | 3.8612% | 3,453 |
| Net charge-offs to loans | 0.2050% | 2,830 |
| Credit loss provision to net charge-offs | 246.2069% | 929 |
| Earnings coverage of net charge-offs (x) | 8.5172% | 2,656 |
| Efficiency ratio | 67.6023% | 4,271 |
| Assets per employee ($millions) | 4.8435% | 2,386 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6666% | 686 |
| Loan loss allowance to noncurrent loans | 66.0350% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 3.1279% | 996 |
| Noncurrent loans to loans | 4.0382% | 717 |
| Net loans and leases to total assets | 62.0697% | 3,351 |
| Net loans and leases to deposits | 74.1236% | 3,239 |
| Net loans and leases to core deposits | 84.3696% | 2,634 |
| Total domestic deposits to total assets | 83.7381% | 4,269 |
| Equity capital to assets | 10.1618% | 3,557 |
| Core capital (leverage) ratio | 11.0856% | 2,311 |
| Tier 1 risk-based capital ratio | 16.1484% | 3,034 |
| Total risk-based capital ratio | 17.4162% | 2,978 |
| Memoranda: | ||
| Average total assets | $102,322,200 | 4,689 |
| Average earning assets | $91,624,800 | 4,727 |
| Average equity | $10,877,400 | 4,660 |
| Average total loans | $70,716,600 | 4,241 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0734% | 816 |
| Cost of funding earning assets | 1.1000% | 310 |
| Net interest margin | 3.9735% | 2,028 |
| Noninterest income to average assets | 0.2199% | 5,853 |
| Noninterest expense to average assets | 2.5240% | 4,641 |
| Loan and lease loss provision to assets | 0.4305% | 675 |
| Net operating income to assets | 0.6328% | 4,202 |
| Return on assets (ROA) | 0.6359% | 4,306 |
| Pretax return on assets | 0.8032% | 4,284 |
| Return on Equity (ROE) | 5.9136% | 4,232 |
| Retained earnings to average equity (ytd only) | 4.8118% | 3,223 |
| Net charge-offs to loans | 0.2203% | 2,492 |
| Credit loss provision to net charge-offs | 277.1186% | 921 |
| Earnings coverage of net charge-offs (x) | 7.9152% | 2,703 |
| Efficiency ratio | 67.2396% | 4,251 |
| Assets per employee ($millions) | 4.3706% | 3,099 |
| Cash dividends to net income (ytd only)* | 18.6341% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5535% | 878 |
| Loan loss allowance to noncurrent loans | 66.0819% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 3.4247% | 997 |
| Noncurrent loans to loans | 3.8641% | 928 |
| Net loans and leases to total assets | 71.7568% | 1,641 |
| Net loans and leases to deposits | 87.3900% | 1,443 |
| Net loans and leases to core deposits | 100.5260% | 1,077 |
| Total domestic deposits to total assets | 82.1110% | 4,885 |
| Equity capital to assets | 11.2465% | 2,516 |
| Core capital (leverage) ratio | 11.6007% | 1,951 |
| Tier 1 risk-based capital ratio | 16.3654% | 3,007 |
| Total risk-based capital ratio | 17.6327% | 2,963 |
| Memoranda: | ||
| Average total assets | $101,263,750 | 4,756 |
| Average earning assets | $90,061,750 | 4,810 |
| Average equity | $10,889,750 | 4,709 |
| Average total loans | $71,408,000 | 4,247 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1103% | 759 |
| Cost of funding earning assets | 1.1351% | 282 |
| Net interest margin | 3.9752% | 1,946 |
| Noninterest income to average assets | 0.1068% | 6,507 |
| Noninterest expense to average assets | 2.4493% | 4,902 |
| Loan and lease loss provision to assets | 0.4895% | 569 |
| Net operating income to assets | 0.5546% | 4,530 |
| Return on assets (ROA) | 0.5594% | 4,675 |
| Pretax return on assets | 0.6837% | 4,737 |
| Return on Equity (ROE) | 5.2771% | 4,577 |
| Retained earnings to average equity (ytd only) | 3.6280% | 4,002 |
| Net charge-offs to loans | 0.0810% | 3,562 |
| Credit loss provision to net charge-offs | 868.9655% | 351 |
| Earnings coverage of net charge-offs (x) | 20.7241% | 1,446 |
| Efficiency ratio | 67.7229% | 4,231 |
| Assets per employee ($millions) | 4.5219% | 2,787 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5546% | 925 |
| Loan loss allowance to noncurrent loans | 70.1464% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 3.1694% | 1,256 |
| Noncurrent loans to loans | 3.6418% | 1,126 |
| Net loans and leases to total assets | 69.8247% | 1,916 |
| Net loans and leases to deposits | 84.2670% | 1,766 |
| Net loans and leases to core deposits | 96.2945% | 1,327 |
| Total domestic deposits to total assets | 82.8612% | 4,756 |
| Equity capital to assets | 10.8170% | 2,925 |
| Core capital (leverage) ratio | 10.6054% | 2,758 |
| Tier 1 risk-based capital ratio | 15.8164% | 3,308 |
| Total risk-based capital ratio | 17.0834% | 3,246 |
| Memoranda: | ||
| Average total assets | $102,967,000 | 4,749 |
| Average earning assets | $90,913,670 | 4,816 |
| Average equity | $10,915,000 | 4,743 |
| Average total loans | $71,609,000 | 4,252 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2113% | 594 |
| Cost of funding earning assets | 1.1664% | 260 |
| Net interest margin | 4.0449% | 1,630 |
| Noninterest income to average assets | 0.3018% | 5,286 |
| Noninterest expense to average assets | 2.3837% | 5,172 |
| Loan and lease loss provision to assets | 0.4813% | 562 |
| Net operating income to assets | 0.7247% | 3,568 |
| Return on assets (ROA) | 0.7335% | 3,657 |
| Pretax return on assets | 0.9588% | 3,532 |
| Return on Equity (ROE) | 6.9869% | 3,491 |
| Retained earnings to average equity (ytd only) | 6.9869% | 2,154 |
| Net charge-offs to loans | -0.0111% | 5,486 |
| Credit loss provision to net charge-offs | -6,300.0000% | 5,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5251% | 5,233 |
| Assets per employee ($millions) | 4.9736% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4153% | 1,228 |
| Loan loss allowance to noncurrent loans | 82.7190% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 2.6923% | 1,683 |
| Noncurrent loans to loans | 2.9199% | 1,722 |
| Net loans and leases to total assets | 66.8441% | 2,220 |
| Net loans and leases to deposits | 80.2391% | 2,044 |
| Net loans and leases to core deposits | 92.9851% | 1,419 |
| Total domestic deposits to total assets | 83.3062% | 4,759 |
| Equity capital to assets | 10.6007% | 3,432 |
| Core capital (leverage) ratio | 10.1279% | 3,244 |
| Tier 1 risk-based capital ratio | 14.9337% | 3,889 |
| Total risk-based capital ratio | 16.1983% | 3,839 |
| Memoranda: | ||
| Average total assets | $104,709,500 | 4,752 |
| Average earning assets | $90,879,500 | 4,871 |
| Average equity | $10,992,000 | 4,771 |
| Average total loans | $71,771,500 | 4,276 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6064% | 501 |
| Cost of funding earning assets | 1.4418% | 212 |
| Net interest margin | 4.1646% | 1,760 |
| Noninterest income to average assets | 0.1937% | 6,026 |
| Noninterest expense to average assets | 2.5042% | 5,078 |
| Loan and lease loss provision to assets | 0.6394% | 839 |
| Net operating income to assets | 0.5273% | 4,567 |
| Return on assets (ROA) | 0.5699% | 4,637 |
| Pretax return on assets | 0.6545% | 4,811 |
| Return on Equity (ROE) | 5.6945% | 4,314 |
| Retained earnings to average equity (ytd only) | 4.2850% | 3,207 |
| Net charge-offs to loans | 0.8928% | 1,279 |
| Credit loss provision to net charge-offs | 103.1866% | 2,907 |
| Earnings coverage of net charge-offs (x) | 2.0091% | 4,410 |
| Efficiency ratio | 66.7921% | 4,364 |
| Assets per employee ($millions) | 4.7715% | 2,542 |
| Cash dividends to net income (ytd only)* | 24.7525% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2223% | 1,520 |
| Loan loss allowance to noncurrent loans | 75.5073% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 2.8312% | 1,691 |
| Noncurrent loans to loans | 2.9431% | 1,777 |
| Net loans and leases to total assets | 67.0639% | 2,352 |
| Net loans and leases to deposits | 80.2469% | 2,246 |
| Net loans and leases to core deposits | 93.2091% | 1,532 |
| Total domestic deposits to total assets | 83.5720% | 4,511 |
| Equity capital to assets | 10.3951% | 3,648 |
| Core capital (leverage) ratio | 10.3615% | 2,935 |
| Tier 1 risk-based capital ratio | 14.4515% | 4,070 |
| Total risk-based capital ratio | 15.7122% | 4,012 |
| Memoranda: | ||
| Average total assets | $106,341,800 | 4,668 |
| Average earning assets | $90,789,000 | 4,847 |
| Average equity | $10,641,800 | 4,831 |
| Average total loans | $73,810,200 | 4,214 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5496% | 616 |
| Cost of funding earning assets | 1.4892% | 215 |
| Net interest margin | 4.0605% | 2,254 |
| Noninterest income to average assets | 0.1412% | 6,439 |
| Noninterest expense to average assets | 2.5608% | 4,878 |
| Loan and lease loss provision to assets | 0.6999% | 727 |
| Net operating income to assets | 0.3439% | 5,459 |
| Return on assets (ROA) | 0.4024% | 5,463 |
| Pretax return on assets | 0.4487% | 5,601 |
| Return on Equity (ROE) | 4.0601% | 5,262 |
| Retained earnings to average equity (ytd only) | 4.0601% | 4,031 |
| Net charge-offs to loans | 0.7630% | 1,446 |
| Credit loss provision to net charge-offs | 131.7647% | 2,186 |
| Earnings coverage of net charge-offs (x) | 2.0400% | 4,249 |
| Efficiency ratio | 70.2675% | 3,643 |
| Assets per employee ($millions) | 4.5643% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2915% | 1,537 |
| Loan loss allowance to noncurrent loans | 78.7322% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 2.6590% | 1,982 |
| Noncurrent loans to loans | 2.9105% | 1,916 |
| Net loans and leases to total assets | 72.7810% | 1,425 |
| Net loans and leases to deposits | 87.8328% | 1,372 |
| Net loans and leases to core deposits | 98.7862% | 1,207 |
| Total domestic deposits to total assets | 82.8631% | 4,691 |
| Equity capital to assets | 10.7404% | 3,564 |
| Core capital (leverage) ratio | 10.2305% | 3,256 |
| Tier 1 risk-based capital ratio | 14.6545% | 4,085 |
| Total risk-based capital ratio | 15.9186% | 4,036 |
| Memoranda: | ||
| Average total assets | $106,684,000 | 4,715 |
| Average earning assets | $92,040,000 | 4,845 |
| Average equity | $10,574,250 | 4,895 |
| Average total loans | $74,263,000 | 4,250 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4485% | 798 |
| Cost of funding earning assets | 1.5327% | 207 |
| Net interest margin | 3.9159% | 2,842 |
| Noninterest income to average assets | 0.0147% | 6,960 |
| Noninterest expense to average assets | 2.5319% | 5,028 |
| Loan and lease loss provision to assets | 0.7171% | 743 |
| Net operating income to assets | 0.1967% | 5,925 |
| Return on assets (ROA) | 0.2262% | 6,028 |
| Pretax return on assets | 0.1728% | 6,190 |
| Return on Equity (ROE) | 2.3420% | 5,938 |
| Retained earnings to average equity (ytd only) | 2.3420% | 5,018 |
| Net charge-offs to loans | 1.0097% | 1,097 |
| Credit loss provision to net charge-offs | 104.2781% | 2,614 |
| Earnings coverage of net charge-offs (x) | 1.2513% | 4,382 |
| Efficiency ratio | 74.6341% | 2,962 |
| Assets per employee ($millions) | 4.5169% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1421% | 1,906 |
| Loan loss allowance to noncurrent loans | 77.4272% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 2.4575% | 2,270 |
| Noncurrent loans to loans | 2.7667% | 2,168 |
| Net loans and leases to total assets | 70.1361% | 1,896 |
| Net loans and leases to deposits | 83.8036% | 1,876 |
| Net loans and leases to core deposits | 95.4779% | 1,477 |
| Total domestic deposits to total assets | 83.6911% | 4,444 |
| Equity capital to assets | 10.1994% | 4,054 |
| Core capital (leverage) ratio | 9.5733% | 4,042 |
| Tier 1 risk-based capital ratio | 14.5708% | 4,048 |
| Total risk-based capital ratio | 15.8335% | 4,005 |
| Memoranda: | ||
| Average total assets | $108,773,670 | 4,698 |
| Average earning assets | $93,823,670 | 4,824 |
| Average equity | $10,504,000 | 4,909 |
| Average total loans | $74,085,000 | 4,275 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5219% | 724 |
| Cost of funding earning assets | 1.5777% | 203 |
| Net interest margin | 3.9442% | 2,751 |
| Noninterest income to average assets | 0.0180% | 7,052 |
| Noninterest expense to average assets | 2.4277% | 5,380 |
| Loan and lease loss provision to assets | 0.7013% | 747 |
| Net operating income to assets | 0.2661% | 5,762 |
| Return on assets (ROA) | 0.2661% | 5,922 |
| Pretax return on assets | 0.2338% | 6,124 |
| Return on Equity (ROE) | 2.8304% | 5,780 |
| Retained earnings to average equity (ytd only) | 2.8304% | 4,836 |
| Net charge-offs to loans | 1.3911% | 724 |
| Credit loss provision to net charge-offs | 75.8755% | 2,804 |
| Earnings coverage of net charge-offs (x) | 1.0117% | 3,821 |
| Efficiency ratio | 72.1925% | 3,406 |
| Assets per employee ($millions) | 4.6417% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1244% | 2,041 |
| Loan loss allowance to noncurrent loans | 81.5153% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 2.1472% | 2,734 |
| Noncurrent loans to loans | 2.6062% | 2,493 |
| Net loans and leases to total assets | 62.7379% | 3,116 |
| Net loans and leases to deposits | 75.6148% | 2,858 |
| Net loans and leases to core deposits | 84.7634% | 2,441 |
| Total domestic deposits to total assets | 82.9704% | 4,939 |
| Equity capital to assets | 9.4102% | 4,943 |
| Core capital (leverage) ratio | 9.3540% | 4,274 |
| Tier 1 risk-based capital ratio | 14.6039% | 4,019 |
| Total risk-based capital ratio | 15.8656% | 3,972 |
| Memoranda: | ||
| Average total assets | $111,216,500 | 4,682 |
| Average earning assets | $94,315,000 | 4,844 |
| Average equity | $10,458,000 | 4,928 |
| Average total loans | $73,898,500 | 4,321 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2942% | 256 |
| Cost of funding earning assets | 2.0031% | 99 |
| Net interest margin | 4.2911% | 1,726 |
| Noninterest income to average assets | 0.3843% | 4,751 |
| Noninterest expense to average assets | 2.3212% | 5,996 |
| Loan and lease loss provision to assets | 1.0444% | 896 |
| Net operating income to assets | 0.4610% | 4,589 |
| Return on assets (ROA) | 0.4765% | 4,728 |
| Pretax return on assets | 0.5787% | 4,747 |
| Return on Equity (ROE) | 5.2307% | 4,277 |
| Retained earnings to average equity (ytd only) | 4.3374% | 3,097 |
| Net charge-offs to loans | 0.9408% | 1,849 |
| Credit loss provision to net charge-offs | 157.1429% | 1,780 |
| Earnings coverage of net charge-offs (x) | 2.4136% | 4,008 |
| Efficiency ratio | 59.1338% | 5,879 |
| Assets per employee ($millions) | 5.0470% | 2,130 |
| Cash dividends to net income (ytd only)* | 17.0778% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0670% | 2,090 |
| Loan loss allowance to noncurrent loans | 94.5509% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 2.3714% | 2,553 |
| Noncurrent loans to loans | 2.1862% | 2,967 |
| Net loans and leases to total assets | 67.3773% | 2,507 |
| Net loans and leases to deposits | 81.2810% | 2,312 |
| Net loans and leases to core deposits | 90.9988% | 1,987 |
| Total domestic deposits to total assets | 82.8943% | 4,790 |
| Equity capital to assets | 9.3963% | 5,023 |
| Core capital (leverage) ratio | 9.5312% | 3,975 |
| Tier 1 risk-based capital ratio | 13.3642% | 4,796 |
| Total risk-based capital ratio | 14.6244% | 4,764 |
| Memoranda: | ||
| Average total assets | $110,590,200 | 4,629 |
| Average earning assets | $91,258,200 | 4,882 |
| Average equity | $10,075,200 | 4,992 |
| Average total loans | $78,127,200 | 4,209 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4156% | 220 |
| Cost of funding earning assets | 2.1115% | 76 |
| Net interest margin | 4.3041% | 1,699 |
| Noninterest income to average assets | 0.3608% | 4,982 |
| Noninterest expense to average assets | 2.3376% | 5,940 |
| Loan and lease loss provision to assets | 0.9474% | 932 |
| Net operating income to assets | 0.4794% | 4,637 |
| Return on assets (ROA) | 0.4996% | 4,737 |
| Pretax return on assets | 0.6215% | 4,739 |
| Return on Equity (ROE) | 5.5278% | 4,268 |
| Retained earnings to average equity (ytd only) | 4.3261% | 3,650 |
| Net charge-offs to loans | 0.8520% | 1,868 |
| Credit loss provision to net charge-offs | 156.3745% | 1,985 |
| Earnings coverage of net charge-offs (x) | 2.5478% | 3,853 |
| Efficiency ratio | 60.2301% | 5,680 |
| Assets per employee ($millions) | 4.7599% | 2,542 |
| Cash dividends to net income (ytd only)* | 21.7395% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8214% | 2,861 |
| Loan loss allowance to noncurrent loans | 77.0299% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 2.9174% | 2,213 |
| Noncurrent loans to loans | 2.3645% | 2,934 |
| Net loans and leases to total assets | 74.2286% | 1,299 |
| Net loans and leases to deposits | 90.6039% | 1,145 |
| Net loans and leases to core deposits | 100.4822% | 1,202 |
| Total domestic deposits to total assets | 81.9265% | 5,122 |
| Equity capital to assets | 9.8952% | 4,485 |
| Core capital (leverage) ratio | 9.4330% | 4,250 |
| Tier 1 risk-based capital ratio | 13.1069% | 5,020 |
| Total risk-based capital ratio | 14.3646% | 4,989 |
| Memoranda: | ||
| Average total assets | $110,479,500 | 4,658 |
| Average earning assets | $90,361,250 | 4,945 |
| Average equity | $9,985,750 | 5,033 |
| Average total loans | $78,561,500 | 4,222 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4314% | 229 |
| Cost of funding earning assets | 2.2005% | 70 |
| Net interest margin | 4.2309% | 1,915 |
| Noninterest income to average assets | 0.3701% | 4,905 |
| Noninterest expense to average assets | 2.2847% | 6,168 |
| Loan and lease loss provision to assets | 0.8719% | 1,029 |
| Net operating income to assets | 0.4957% | 4,518 |
| Return on assets (ROA) | 0.5214% | 4,550 |
| Pretax return on assets | 0.6530% | 4,565 |
| Return on Equity (ROE) | 5.9430% | 4,005 |
| Retained earnings to average equity (ytd only) | 4.1175% | 3,579 |
| Net charge-offs to loans | 0.9827% | 1,600 |
| Credit loss provision to net charge-offs | 127.2727% | 2,401 |
| Earnings coverage of net charge-offs (x) | 2.1792% | 3,752 |
| Efficiency ratio | 60.4805% | 5,802 |
| Assets per employee ($millions) | 4.9100% | 2,245 |
| Cash dividends to net income (ytd only)* | 30.7167% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6287% | 3,586 |
| Loan loss allowance to noncurrent loans | 76.5597% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 2.2459% | 2,918 |
| Noncurrent loans to loans | 2.1273% | 3,317 |
| Net loans and leases to total assets | 70.6777% | 2,076 |
| Net loans and leases to deposits | 85.4164% | 1,872 |
| Net loans and leases to core deposits | 94.9093% | 1,807 |
| Total domestic deposits to total assets | 82.7449% | 4,882 |
| Equity capital to assets | 9.3307% | 5,100 |
| Core capital (leverage) ratio | 8.8348% | 4,991 |
| Tier 1 risk-based capital ratio | 13.0856% | 4,847 |
| Total risk-based capital ratio | 14.3408% | 4,829 |
| Memoranda: | ||
| Average total assets | $112,400,330 | 4,646 |
| Average earning assets | $90,524,670 | 4,978 |
| Average equity | $9,860,330 | 5,086 |
| Average total loans | $78,358,000 | 4,277 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3223% | 271 |
| Cost of funding earning assets | 2.2417% | 74 |
| Net interest margin | 4.0806% | 2,345 |
| Noninterest income to average assets | 0.3700% | 4,951 |
| Noninterest expense to average assets | 2.2340% | 6,344 |
| Loan and lease loss provision to assets | 0.6807% | 1,249 |
| Net operating income to assets | 0.5450% | 4,291 |
| Return on assets (ROA) | 0.5934% | 4,135 |
| Pretax return on assets | 0.7714% | 4,011 |
| Return on Equity (ROE) | 6.9736% | 3,393 |
| Retained earnings to average equity (ytd only) | 6.9736% | 2,157 |
| Net charge-offs to loans | 0.1931% | 3,346 |
| Credit loss provision to net charge-offs | 513.1579% | 702 |
| Earnings coverage of net charge-offs (x) | 10.4737% | 1,632 |
| Efficiency ratio | 61.6570% | 5,730 |
| Assets per employee ($millions) | 4.9810% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6862% | 3,388 |
| Loan loss allowance to noncurrent loans | 48.4536% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 2.3864% | 2,851 |
| Noncurrent loans to loans | 3.4800% | 2,142 |
| Net loans and leases to total assets | 66.9765% | 2,763 |
| Net loans and leases to deposits | 79.7081% | 2,763 |
| Net loans and leases to core deposits | 88.3814% | 2,552 |
| Total domestic deposits to total assets | 84.0273% | 4,481 |
| Equity capital to assets | 8.6074% | 5,766 |
| Core capital (leverage) ratio | 8.5061% | 5,441 |
| Tier 1 risk-based capital ratio | 12.5215% | 5,243 |
| Total risk-based capital ratio | 13.7772% | 5,221 |
| Memoranda: | ||
| Average total assets | $114,590,500 | 4,628 |
| Average earning assets | $91,359,500 | 4,994 |
| Average equity | $9,751,000 | 5,105 |
| Average total loans | $78,732,000 | 4,302 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3828% | 396 |
| Cost of funding earning assets | 2.4425% | 133 |
| Net interest margin | 3.9403% | 3,303 |
| Noninterest income to average assets | 0.3689% | 5,154 |
| Noninterest expense to average assets | 2.1602% | 6,711 |
| Loan and lease loss provision to assets | 1.1885% | 1,324 |
| Net operating income to assets | 0.3482% | 4,750 |
| Return on assets (ROA) | 0.4418% | 4,512 |
| Pretax return on assets | 0.4804% | 4,688 |
| Return on Equity (ROE) | 5.4228% | 3,884 |
| Retained earnings to average equity (ytd only) | 1.8555% | 4,562 |
| Net charge-offs to loans | 1.5595% | 1,402 |
| Credit loss provision to net charge-offs | 102.6418% | 4,405 |
| Earnings coverage of net charge-offs (x) | 1.3535% | 4,754 |
| Efficiency ratio | 57.9532% | 6,340 |
| Assets per employee ($millions) | 4.9833% | 2,176 |
| Cash dividends to net income (ytd only)* | 65.7841% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 4,228 |
| Loan loss allowance to noncurrent loans | 46.9611% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 2.1882% | 3,113 |
| Noncurrent loans to loans | 3.1076% | 2,456 |
| Net loans and leases to total assets | 68.2778% | 2,915 |
| Net loans and leases to deposits | 81.2437% | 2,944 |
| Net loans and leases to core deposits | 90.0501% | 2,757 |
| Total domestic deposits to total assets | 84.0408% | 4,343 |
| Equity capital to assets | 8.4115% | 5,979 |
| Core capital (leverage) ratio | 8.5310% | 5,302 |
| Tier 1 risk-based capital ratio | 12.0422% | 5,434 |
| Total risk-based capital ratio | 13.2943% | 5,417 |
| Memoranda: | ||
| Average total assets | $111,147,600 | 4,681 |
| Average earning assets | $94,738,800 | 4,872 |
| Average equity | $9,054,400 | 5,404 |
| Average total loans | $82,528,600 | 4,259 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3632% | 445 |
| Cost of funding earning assets | 2.4642% | 161 |
| Net interest margin | 3.8989% | 3,524 |
| Noninterest income to average assets | 0.3712% | 5,186 |
| Noninterest expense to average assets | 2.1823% | 6,652 |
| Loan and lease loss provision to assets | 1.3299% | 1,039 |
| Net operating income to assets | 0.2208% | 5,444 |
| Return on assets (ROA) | 0.3506% | 5,137 |
| Pretax return on assets | 0.3700% | 5,314 |
| Return on Equity (ROE) | 4.3407% | 4,620 |
| Retained earnings to average equity (ytd only) | 3.0983% | 4,268 |
| Net charge-offs to loans | 1.3652% | 1,486 |
| Credit loss provision to net charge-offs | 128.9566% | 3,149 |
| Earnings coverage of net charge-offs (x) | 1.5158% | 4,589 |
| Efficiency ratio | 58.2634% | 6,228 |
| Assets per employee ($millions) | 4.8874% | 2,339 |
| Cash dividends to net income (ytd only)* | 28.6195% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 3,437 |
| Loan loss allowance to noncurrent loans | 48.1572% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 2.5700% | 2,804 |
| Noncurrent loans to loans | 3.3687% | 2,366 |
| Net loans and leases to total assets | 74.0141% | 1,801 |
| Net loans and leases to deposits | 88.5398% | 1,935 |
| Net loans and leases to core deposits | 96.1850% | 2,238 |
| Total domestic deposits to total assets | 83.5941% | 4,325 |
| Equity capital to assets | 8.8897% | 5,719 |
| Core capital (leverage) ratio | 8.7420% | 5,118 |
| Tier 1 risk-based capital ratio | 12.0111% | 5,453 |
| Total risk-based capital ratio | 13.2660% | 5,420 |
| Memoranda: | ||
| Average total assets | $110,280,250 | 4,758 |
| Average earning assets | $95,442,500 | 4,912 |
| Average equity | $8,907,750 | 5,520 |
| Average total loans | $83,306,500 | 4,310 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3289% | 485 |
| Cost of funding earning assets | 2.4980% | 174 |
| Net interest margin | 3.8309% | 3,758 |
| Noninterest income to average assets | 0.3705% | 5,177 |
| Noninterest expense to average assets | 2.2360% | 6,552 |
| Loan and lease loss provision to assets | 0.7484% | 1,932 |
| Net operating income to assets | 0.5531% | 4,076 |
| Return on assets (ROA) | 0.7119% | 3,508 |
| Pretax return on assets | 0.9291% | 3,392 |
| Return on Equity (ROE) | 9.1271% | 2,411 |
| Retained earnings to average equity (ytd only) | 9.1271% | 1,070 |
| Net charge-offs to loans | 0.6081% | 2,710 |
| Credit loss provision to net charge-offs | 162.6984% | 2,427 |
| Earnings coverage of net charge-offs (x) | 3.1984% | 3,411 |
| Efficiency ratio | 60.3151% | 5,994 |
| Assets per employee ($millions) | 4.7293% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5043% | 3,909 |
| Loan loss allowance to noncurrent loans | 36.4903% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 3.2691% | 2,155 |
| Noncurrent loans to loans | 4.1224% | 1,816 |
| Net loans and leases to total assets | 77.2301% | 1,250 |
| Net loans and leases to deposits | 91.9194% | 1,547 |
| Net loans and leases to core deposits | 99.7293% | 2,050 |
| Total domestic deposits to total assets | 84.0193% | 4,101 |
| Equity capital to assets | 8.0193% | 6,740 |
| Core capital (leverage) ratio | 7.7814% | 6,522 |
| Tier 1 risk-based capital ratio | 10.3928% | 6,767 |
| Total risk-based capital ratio | 11.6465% | 6,752 |
| Memoranda: | ||
| Average total assets | $109,570,000 | 4,813 |
| Average earning assets | $95,435,000 | 4,947 |
| Average equity | $8,546,000 | 5,620 |
| Average total loans | $82,884,670 | 4,357 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2805% | 547 |
| Cost of funding earning assets | 2.4938% | 228 |
| Net interest margin | 3.7867% | 3,844 |
| Noninterest income to average assets | 0.3674% | 5,203 |
| Noninterest expense to average assets | 2.2116% | 6,662 |
| Loan and lease loss provision to assets | 0.5456% | 2,319 |
| Net operating income to assets | 0.6827% | 3,513 |
| Return on assets (ROA) | 0.7020% | 3,547 |
| Pretax return on assets | 0.9275% | 3,357 |
| Return on Equity (ROE) | 9.1280% | 2,451 |
| Retained earnings to average equity (ytd only) | 9.1280% | 1,364 |
| Net charge-offs to loans | -0.1665% | 7,638 |
| Credit loss provision to net charge-offs | -441.1765% | 6,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4374% | 6,091 |
| Assets per employee ($millions) | 4.8587% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 3,442 |
| Loan loss allowance to noncurrent loans | 37.9200% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 3.0890% | 2,315 |
| Noncurrent loans to loans | 4.2209% | 1,825 |
| Net loans and leases to total assets | 72.0125% | 2,442 |
| Net loans and leases to deposits | 84.9868% | 2,772 |
| Net loans and leases to core deposits | 94.4963% | 2,767 |
| Total domestic deposits to total assets | 84.7338% | 3,787 |
| Equity capital to assets | 7.6805% | 6,944 |
| Core capital (leverage) ratio | 7.6441% | 6,686 |
| Tier 1 risk-based capital ratio | 9.9797% | 7,050 |
| Total risk-based capital ratio | 11.2339% | 7,030 |
| Memoranda: | ||
| Average total assets | $109,967,500 | 4,873 |
| Average earning assets | $95,597,000 | 5,004 |
| Average equity | $8,457,500 | 5,698 |
| Average total loans | $81,682,000 | 4,451 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5367% | 615 |
| Cost of funding earning assets | 2.7769% | 477 |
| Net interest margin | 3.7598% | 3,873 |
| Noninterest income to average assets | 0.4244% | 5,009 |
| Noninterest expense to average assets | 2.2753% | 6,811 |
| Loan and lease loss provision to assets | 0.8831% | 2,540 |
| Net operating income to assets | 0.5031% | 3,713 |
| Return on assets (ROA) | 0.5426% | 3,645 |
| Pretax return on assets | 0.6036% | 3,893 |
| Return on Equity (ROE) | 6.7548% | 2,887 |
| Retained earnings to average equity (ytd only) | 1.5314% | 4,001 |
| Net charge-offs to loans | 0.4486% | 3,988 |
| Credit loss provision to net charge-offs | 260.1124% | 1,348 |
| Earnings coverage of net charge-offs (x) | 4.2500% | 3,010 |
| Efficiency ratio | 61.1952% | 6,297 |
| Assets per employee ($millions) | 4.7037% | 2,608 |
| Cash dividends to net income (ytd only)* | 77.3286% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 4,348 |
| Loan loss allowance to noncurrent loans | 31.1548% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 3.3378% | 2,046 |
| Noncurrent loans to loans | 4.4263% | 1,612 |
| Net loans and leases to total assets | 74.3689% | 2,173 |
| Net loans and leases to deposits | 88.3947% | 2,489 |
| Net loans and leases to core deposits | 135.8457% | 958 |
| Total domestic deposits to total assets | 84.1327% | 3,971 |
| Equity capital to assets | 7.7016% | 6,858 |
| Core capital (leverage) ratio | 7.5882% | 6,695 |
| Tier 1 risk-based capital ratio | 9.9091% | 6,948 |
| Total risk-based capital ratio | 11.1609% | 6,923 |
| Memoranda: | ||
| Average total assets | $104,863,000 | 4,965 |
| Average earning assets | $91,865,600 | 5,061 |
| Average equity | $8,423,600 | 5,793 |
| Average total loans | $79,359,200 | 4,538 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7822% | 432 |
| Cost of funding earning assets | 2.8592% | 518 |
| Net interest margin | 3.9230% | 3,146 |
| Noninterest income to average assets | 0.4242% | 5,101 |
| Noninterest expense to average assets | 2.3095% | 6,673 |
| Loan and lease loss provision to assets | 0.3653% | 4,130 |
| Net operating income to assets | 0.8362% | 2,672 |
| Return on assets (ROA) | 0.8792% | 2,574 |
| Pretax return on assets | 1.1970% | 2,272 |
| Return on Equity (ROE) | 10.8286% | 1,670 |
| Retained earnings to average equity (ytd only) | 9.5342% | 721 |
| Net charge-offs to loans | 0.1844% | 4,913 |
| Credit loss provision to net charge-offs | 261.4679% | 1,631 |
| Earnings coverage of net charge-offs (x) | 10.7614% | 1,926 |
| Efficiency ratio | 60.5714% | 6,341 |
| Assets per employee ($millions) | 4.6544% | 2,627 |
| Cash dividends to net income (ytd only)* | 11.9533% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8846% | 6,829 |
| Loan loss allowance to noncurrent loans | 75.6729% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.9631% | 5,137 |
| Noncurrent loans to loans | 1.1690% | 4,989 |
| Net loans and leases to total assets | 76.5067% | 1,891 |
| Net loans and leases to deposits | 91.4166% | 2,332 |
| Net loans and leases to core deposits | 143.2254% | 788 |
| Total domestic deposits to total assets | 83.6902% | 3,865 |
| Equity capital to assets | 8.2465% | 6,571 |
| Core capital (leverage) ratio | 8.3976% | 5,663 |
| Tier 1 risk-based capital ratio | 10.4542% | 6,521 |
| Total risk-based capital ratio | 11.3373% | 6,841 |
| Memoranda: | ||
| Average total assets | $104,032,500 | 5,013 |
| Average earning assets | $89,861,000 | 5,170 |
| Average equity | $8,446,500 | 5,837 |
| Average total loans | $78,803,750 | 4,596 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7595% | 486 |
| Cost of funding earning assets | 2.9146% | 588 |
| Net interest margin | 3.8449% | 3,355 |
| Noninterest income to average assets | 0.4057% | 5,235 |
| Noninterest expense to average assets | 2.3489% | 6,629 |
| Loan and lease loss provision to assets | 0.3203% | 4,020 |
| Net operating income to assets | 0.7676% | 2,977 |
| Return on assets (ROA) | 0.8328% | 2,817 |
| Pretax return on assets | 1.1395% | 2,504 |
| Return on Equity (ROE) | 10.3133% | 1,911 |
| Retained earnings to average equity (ytd only) | 10.3133% | 666 |
| Net charge-offs to loans | 0.2038% | 4,255 |
| Credit loss provision to net charge-offs | 208.8608% | 2,193 |
| Earnings coverage of net charge-offs (x) | 8.9367% | 2,195 |
| Efficiency ratio | 63.1524% | 6,064 |
| Assets per employee ($millions) | 4.5118% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8196% | 7,088 |
| Loan loss allowance to noncurrent loans | 74.5349% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.1063% | 4,747 |
| Noncurrent loans to loans | 1.0996% | 5,010 |
| Net loans and leases to total assets | 74.7531% | 2,505 |
| Net loans and leases to deposits | 89.4955% | 2,896 |
| Net loans and leases to core deposits | 130.0082% | 1,558 |
| Total domestic deposits to total assets | 83.5272% | 4,003 |
| Equity capital to assets | 8.1776% | 6,523 |
| Core capital (leverage) ratio | 8.3916% | 5,633 |
| Tier 1 risk-based capital ratio | 10.8601% | 6,023 |
| Total risk-based capital ratio | 11.6810% | 6,393 |
| Memoranda: | ||
| Average total assets | $103,026,000 | 5,078 |
| Average earning assets | $88,793,330 | 5,238 |
| Average equity | $8,319,330 | 5,911 |
| Average total loans | $77,527,330 | 4,674 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8620% | 435 |
| Cost of funding earning assets | 2.9159% | 739 |
| Net interest margin | 3.9461% | 2,863 |
| Noninterest income to average assets | 0.3741% | 5,435 |
| Noninterest expense to average assets | 2.3925% | 6,219 |
| Loan and lease loss provision to assets | 0.3507% | 3,214 |
| Net operating income to assets | 0.7715% | 3,249 |
| Return on assets (ROA) | 0.8767% | 2,953 |
| Pretax return on assets | 1.2079% | 2,604 |
| Return on Equity (ROE) | 10.9276% | 1,986 |
| Retained earnings to average equity (ytd only) | 10.9276% | 987 |
| Net charge-offs to loans | 0.1710% | 3,606 |
| Credit loss provision to net charge-offs | 272.7273% | 1,749 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,904 |
| Efficiency ratio | 62.8454% | 5,907 |
| Assets per employee ($millions) | 4.3980% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 7,132 |
| Loan loss allowance to noncurrent loans | 73.7665% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.1042% | 4,477 |
| Noncurrent loans to loans | 1.0943% | 4,800 |
| Net loans and leases to total assets | 74.4689% | 2,627 |
| Net loans and leases to deposits | 89.5005% | 3,009 |
| Net loans and leases to core deposits | 131.0639% | 1,597 |
| Total domestic deposits to total assets | 83.2050% | 4,048 |
| Equity capital to assets | 8.2280% | 6,501 |
| Core capital (leverage) ratio | 8.2671% | 5,967 |
| Tier 1 risk-based capital ratio | 10.9948% | 5,916 |
| Total risk-based capital ratio | 11.8092% | 6,243 |
| Memoranda: | ||
| Average total assets | $102,653,500 | 5,107 |
| Average earning assets | $89,303,500 | 5,245 |
| Average equity | $8,236,000 | 5,975 |
| Average total loans | $77,184,500 | 4,718 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1393% | 833 |
| Cost of funding earning assets | 3.3624% | 781 |
| Net interest margin | 3.7769% | 4,114 |
| Noninterest income to average assets | 0.4382% | 5,132 |
| Noninterest expense to average assets | 2.3351% | 6,602 |
| Loan and lease loss provision to assets | 0.3855% | 3,383 |
| Net operating income to assets | 0.7582% | 3,621 |
| Return on assets (ROA) | 0.7902% | 3,318 |
| Pretax return on assets | 1.1280% | 2,926 |
| Return on Equity (ROE) | 9.6052% | 2,397 |
| Retained earnings to average equity (ytd only) | 4.1799% | 2,525 |
| Net charge-offs to loans | 0.6108% | 2,007 |
| Credit loss provision to net charge-offs | 83.7004% | 5,815 |
| Earnings coverage of net charge-offs (x) | 3.1872% | 4,493 |
| Efficiency ratio | 61.4030% | 6,079 |
| Assets per employee ($millions) | 4.5283% | 2,568 |
| Cash dividends to net income (ytd only)* | 56.4827% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7089% | 7,401 |
| Loan loss allowance to noncurrent loans | 57.9771% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 1.2098% | 3,825 |
| Noncurrent loans to loans | 1.2228% | 4,069 |
| Net loans and leases to total assets | 74.7667% | 2,929 |
| Net loans and leases to deposits | 89.6130% | 3,513 |
| Net loans and leases to core deposits | 129.0302% | 1,926 |
| Total domestic deposits to total assets | 83.4329% | 3,598 |
| Equity capital to assets | 7.8241% | 7,065 |
| Core capital (leverage) ratio | 8.1242% | 6,291 |
| Tier 1 risk-based capital ratio | 10.0842% | 6,637 |
| Total risk-based capital ratio | 10.7807% | 7,193 |
| Memoranda: | ||
| Average total assets | $98,584,600 | 5,099 |
| Average earning assets | $87,823,600 | 5,156 |
| Average equity | $8,110,200 | 6,041 |
| Average total loans | $74,334,200 | 4,726 |