Home > Citizens Bank > Performance and Condition Ratios
Citizens Bank, Performance and Condition Ratios
| 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 | 4.2863% | 2,141 |
| Cost of funding earning assets | 0.5006% | 3,218 |
| Net interest margin | 3.7858% | 1,660 |
| Noninterest income to average assets | 0.8006% | 1,492 |
| Noninterest expense to average assets | 3.2387% | 1,002 |
| Loan and lease loss provision to assets | 0.0851% | 3,247 |
| Net operating income to assets | 0.6474% | 3,636 |
| Return on assets (ROA) | 0.6708% | 3,670 |
| Pretax return on assets | 0.8631% | 3,481 |
| Return on Equity (ROE) | 5.4262% | 3,745 |
| Retained earnings to average equity (ytd only) | 5.4262% | 2,363 |
| Net charge-offs to loans | 0.1845% | 812 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 10.7500% | 2,339 |
| Efficiency ratio | 77.8964% | 1,047 |
| Assets per employee ($millions) | 4.0910% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 3,904 |
| Loan loss allowance to noncurrent loans | 248.9796% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 3,567 |
| Noncurrent loans to loans | 0.3800% | 2,921 |
| Net loans and leases to total assets | 44.5978% | 4,393 |
| Net loans and leases to deposits | 51.0323% | 4,452 |
| Net loans and leases to core deposits | 52.2780% | 4,518 |
| Total domestic deposits to total assets | 87.3915% | 1,498 |
| Equity capital to assets | 11.9951% | 1,679 |
| Core capital (leverage) ratio | 12.0642% | 1,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,100,500 | 4,241 |
| Average earning assets | $71,916,500 | 4,279 |
| Average equity | $10,025,250 | 4,201 |
| Average total loans | $37,570,500 | 4,384 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 2,061 |
| Cost of funding earning assets | 0.5470% | 3,257 |
| Net interest margin | 3.9077% | 1,546 |
| Noninterest income to average assets | 0.8327% | 1,340 |
| Noninterest expense to average assets | 3.1322% | 1,281 |
| Loan and lease loss provision to assets | 0.1057% | 2,954 |
| Net operating income to assets | 0.8327% | 2,925 |
| Return on assets (ROA) | 0.8327% | 3,046 |
| Pretax return on assets | 1.0818% | 2,771 |
| Return on Equity (ROE) | 6.6653% | 3,263 |
| Retained earnings to average equity (ytd only) | 6.6653% | 1,792 |
| Net charge-offs to loans | 0.1344% | 1,043 |
| Credit loss provision to net charge-offs | 168.0000% | 2,043 |
| Earnings coverage of net charge-offs (x) | 18.8800% | 1,748 |
| Efficiency ratio | 72.5102% | 1,621 |
| Assets per employee ($millions) | 3.3494% | 4,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 3,576 |
| Loan loss allowance to noncurrent loans | 258.7838% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 3,085 |
| Noncurrent loans to loans | 0.3867% | 3,022 |
| Net loans and leases to total assets | 45.2552% | 4,391 |
| Net loans and leases to deposits | 51.9601% | 4,451 |
| Net loans and leases to core deposits | 53.2660% | 4,518 |
| Total domestic deposits to total assets | 87.0960% | 1,576 |
| Equity capital to assets | 12.2495% | 1,513 |
| Core capital (leverage) ratio | 12.1459% | 1,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,497,333 | 4,262 |
| Average earning assets | $70,937,667 | 4,291 |
| Average equity | $9,932,000 | 4,226 |
| Average total loans | $37,200,667 | 4,404 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5456% | 2,170 |
| Cost of funding earning assets | 0.5704% | 3,590 |
| Net interest margin | 3.9752% | 1,459 |
| Noninterest income to average assets | 0.8891% | 1,091 |
| Noninterest expense to average assets | 3.4531% | 1,008 |
| Loan and lease loss provision to assets | 0.1396% | 1,994 |
| Net operating income to assets | 0.7030% | 3,264 |
| Return on assets (ROA) | 0.7030% | 3,337 |
| Pretax return on assets | 0.8633% | 3,243 |
| Return on Equity (ROE) | 5.5684% | 3,461 |
| Retained earnings to average equity (ytd only) | 5.5684% | 2,044 |
| Net charge-offs to loans | 0.1527% | 846 |
| Credit loss provision to net charge-offs | 192.8571% | 1,435 |
| Earnings coverage of net charge-offs (x) | 13.8571% | 1,630 |
| Efficiency ratio | 77.4942% | 1,400 |
| Assets per employee ($millions) | 3.5713% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,572 |
| Loan loss allowance to noncurrent loans | 728.8462% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 3,658 |
| Noncurrent loans to loans | 0.1407% | 3,962 |
| Net loans and leases to total assets | 46.5731% | 4,400 |
| Net loans and leases to deposits | 53.6264% | 4,461 |
| Net loans and leases to core deposits | 55.0612% | 4,529 |
| Total domestic deposits to total assets | 86.8472% | 1,624 |
| Equity capital to assets | 12.4744% | 1,749 |
| Core capital (leverage) ratio | 12.3498% | 1,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2954% | 324 |
| Memoranda: | ||
| Average total assets | $77,379,000 | 4,302 |
| Average earning assets | $69,430,000 | 4,321 |
| Average equity | $9,769,500 | 4,265 |
| Average total loans | $36,662,500 | 4,438 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8429% | 1,918 |
| Cost of funding earning assets | 0.5427% | 3,911 |
| Net interest margin | 4.3002% | 1,090 |
| Noninterest income to average assets | 0.8864% | 1,203 |
| Noninterest expense to average assets | 3.6611% | 797 |
| Loan and lease loss provision to assets | 0.1300% | 1,650 |
| Net operating income to assets | 0.9196% | 3,125 |
| Return on assets (ROA) | 0.9196% | 3,200 |
| Pretax return on assets | 0.9647% | 3,558 |
| Return on Equity (ROE) | 7.2977% | 3,447 |
| Retained earnings to average equity (ytd only) | 4.6650% | 2,609 |
| Net charge-offs to loans | 0.0650% | 2,165 |
| Credit loss provision to net charge-offs | 392.0000% | 721 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,480 |
| Efficiency ratio | 76.9810% | 1,267 |
| Assets per employee ($millions) | 3.1745% | 4,720 |
| Cash dividends to net income (ytd only)* | 36.0750% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 3,460 |
| Loan loss allowance to noncurrent loans | 164.1256% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 3,264 |
| Noncurrent loans to loans | 0.6134% | 2,353 |
| Net loans and leases to total assets | 47.2352% | 4,470 |
| Net loans and leases to deposits | 54.5918% | 4,512 |
| Net loans and leases to core deposits | 55.7876% | 4,593 |
| Total domestic deposits to total assets | 86.5243% | 1,835 |
| Equity capital to assets | 12.7814% | 1,655 |
| Core capital (leverage) ratio | 12.3051% | 1,589 |
| Tier 1 risk-based capital ratio | 25.1555% | 738 |
| Total risk-based capital ratio | 26.1328% | 744 |
| Memoranda: | ||
| Average total assets | $75,360,400 | 4,358 |
| Average earning assets | $67,811,200 | 4,375 |
| Average equity | $9,496,200 | 4,305 |
| Average total loans | $38,432,000 | 4,439 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8979% | 1,824 |
| Cost of funding earning assets | 0.5322% | 4,008 |
| Net interest margin | 4.3657% | 1,019 |
| Noninterest income to average assets | 0.8800% | 1,190 |
| Noninterest expense to average assets | 3.5003% | 951 |
| Loan and lease loss provision to assets | 0.1260% | 1,544 |
| Net operating income to assets | 1.1195% | 2,497 |
| Return on assets (ROA) | 1.1195% | 2,584 |
| Pretax return on assets | 1.1833% | 3,034 |
| Return on Equity (ROE) | 8.9162% | 2,924 |
| Retained earnings to average equity (ytd only) | 8.9162% | 1,074 |
| Net charge-offs to loans | 0.0685% | 1,849 |
| Credit loss provision to net charge-offs | 355.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 36.8946% | 1,439 |
| Efficiency ratio | 72.7776% | 1,732 |
| Assets per employee ($millions) | 3.1445% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9457% | 3,842 |
| Loan loss allowance to noncurrent loans | 150.6550% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3034% | 3,334 |
| Noncurrent loans to loans | 0.6277% | 2,405 |
| Net loans and leases to total assets | 47.8845% | 4,513 |
| Net loans and leases to deposits | 55.6356% | 4,567 |
| Net loans and leases to core deposits | 56.8710% | 4,658 |
| Total domestic deposits to total assets | 86.0681% | 1,970 |
| Equity capital to assets | 13.1501% | 1,541 |
| Core capital (leverage) ratio | 12.8090% | 1,432 |
| Tier 1 risk-based capital ratio | 25.5061% | 736 |
| Total risk-based capital ratio | 26.4215% | 747 |
| Memoranda: | ||
| Average total assets | $75,153,250 | 4,414 |
| Average earning assets | $67,646,250 | 4,432 |
| Average equity | $9,435,750 | 4,363 |
| Average total loans | $38,951,500 | 4,484 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9686% | 1,568 |
| Cost of funding earning assets | 0.5168% | 4,052 |
| Net interest margin | 4.4519% | 849 |
| Noninterest income to average assets | 0.8528% | 1,195 |
| Noninterest expense to average assets | 3.6350% | 810 |
| Loan and lease loss provision to assets | 0.1093% | 1,711 |
| Net operating income to assets | 1.1433% | 2,355 |
| Return on assets (ROA) | 1.1433% | 2,433 |
| Pretax return on assets | 1.1033% | 3,224 |
| Return on Equity (ROE) | 9.2527% | 2,755 |
| Retained earnings to average equity (ytd only) | 9.2527% | 969 |
| Net charge-offs to loans | 0.0553% | 1,853 |
| Credit loss provision to net charge-offs | 372.7273% | 766 |
| Earnings coverage of net charge-offs (x) | 41.3636% | 1,224 |
| Efficiency ratio | 74.9863% | 1,519 |
| Assets per employee ($millions) | 3.1327% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8209% | 4,361 |
| Loan loss allowance to noncurrent loans | 126.6667% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.3392% | 3,181 |
| Noncurrent loans to loans | 0.6480% | 2,326 |
| Net loans and leases to total assets | 51.9073% | 4,360 |
| Net loans and leases to deposits | 59.9856% | 4,425 |
| Net loans and leases to core deposits | 61.3134% | 4,524 |
| Total domestic deposits to total assets | 86.5330% | 1,805 |
| Equity capital to assets | 12.8086% | 1,685 |
| Core capital (leverage) ratio | 12.4759% | 1,548 |
| Tier 1 risk-based capital ratio | 23.2147% | 928 |
| Total risk-based capital ratio | 24.0128% | 947 |
| Memoranda: | ||
| Average total assets | $75,048,670 | 4,452 |
| Average earning assets | $67,342,330 | 4,474 |
| Average equity | $9,273,000 | 4,399 |
| Average total loans | $39,774,670 | 4,501 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8903% | 1,618 |
| Cost of funding earning assets | 0.4950% | 4,083 |
| Net interest margin | 4.3953% | 918 |
| Noninterest income to average assets | 0.8909% | 1,059 |
| Noninterest expense to average assets | 3.7716% | 676 |
| Loan and lease loss provision to assets | 0.0640% | 2,383 |
| Net operating income to assets | 1.3017% | 1,691 |
| Return on assets (ROA) | 1.3017% | 1,730 |
| Pretax return on assets | 0.9869% | 3,487 |
| Return on Equity (ROE) | 10.7318% | 2,064 |
| Retained earnings to average equity (ytd only) | 10.7318% | 872 |
| Net charge-offs to loans | 0.0300% | 1,853 |
| Credit loss provision to net charge-offs | 400.0000% | 692 |
| Earnings coverage of net charge-offs (x) | 65.6667% | 875 |
| Efficiency ratio | 78.2080% | 1,242 |
| Assets per employee ($millions) | 3.2013% | 4,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7481% | 4,664 |
| Loan loss allowance to noncurrent loans | 44.3465% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.0217% | 1,370 |
| Noncurrent loans to loans | 1.6870% | 919 |
| Net loans and leases to total assets | 52.1489% | 4,325 |
| Net loans and leases to deposits | 59.7224% | 4,427 |
| Net loans and leases to core deposits | 61.2864% | 4,518 |
| Total domestic deposits to total assets | 87.3188% | 1,657 |
| Equity capital to assets | 12.1046% | 1,961 |
| Core capital (leverage) ratio | 12.2809% | 1,616 |
| Tier 1 risk-based capital ratio | 22.2931% | 1,017 |
| Total risk-based capital ratio | 23.0288% | 1,056 |
| Memoranda: | ||
| Average total assets | $74,981,000 | 4,503 |
| Average earning assets | $67,072,000 | 4,527 |
| Average equity | $9,094,500 | 4,454 |
| Average total loans | $39,987,500 | 4,544 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6573% | 1,968 |
| Cost of funding earning assets | 0.4272% | 3,815 |
| Net interest margin | 4.2301% | 1,327 |
| Noninterest income to average assets | 1.0116% | 922 |
| Noninterest expense to average assets | 3.5480% | 933 |
| Loan and lease loss provision to assets | 0.1412% | 1,522 |
| Net operating income to assets | 0.7590% | 3,940 |
| Return on assets (ROA) | 0.7590% | 3,941 |
| Pretax return on assets | 1.1406% | 3,131 |
| Return on Equity (ROE) | 6.3727% | 4,043 |
| Retained earnings to average equity (ytd only) | 4.0927% | 3,306 |
| Net charge-offs to loans | 0.3261% | 591 |
| Credit loss provision to net charge-offs | 82.5397% | 2,831 |
| Earnings coverage of net charge-offs (x) | 7.4921% | 2,987 |
| Efficiency ratio | 73.4608% | 1,706 |
| Assets per employee ($millions) | 3.0472% | 4,965 |
| Cash dividends to net income (ytd only)* | 35.7782% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7398% | 4,708 |
| Loan loss allowance to noncurrent loans | 61.8143% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 0.8150% | 1,714 |
| Noncurrent loans to loans | 1.1968% | 1,337 |
| Net loans and leases to total assets | 53.7576% | 4,298 |
| Net loans and leases to deposits | 61.6971% | 4,389 |
| Net loans and leases to core deposits | 63.3995% | 4,479 |
| Total domestic deposits to total assets | 87.1315% | 1,712 |
| Equity capital to assets | 12.1547% | 1,786 |
| Core capital (leverage) ratio | 12.1112% | 1,662 |
| Tier 1 risk-based capital ratio | 21.9108% | 1,043 |
| Total risk-based capital ratio | 22.6305% | 1,093 |
| Memoranda: | ||
| Average total assets | $73,647,400 | 4,530 |
| Average earning assets | $66,476,600 | 4,549 |
| Average equity | $8,771,800 | 4,487 |
| Average total loans | $38,643,200 | 4,593 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 2,039 |
| Cost of funding earning assets | 0.4168% | 3,749 |
| Net interest margin | 4.1623% | 1,460 |
| Noninterest income to average assets | 1.0229% | 915 |
| Noninterest expense to average assets | 3.4952% | 989 |
| Loan and lease loss provision to assets | 0.1337% | 1,503 |
| Net operating income to assets | 0.7916% | 3,933 |
| Return on assets (ROA) | 0.7916% | 3,945 |
| Pretax return on assets | 1.1476% | 3,205 |
| Return on Equity (ROE) | 6.6799% | 4,043 |
| Retained earnings to average equity (ytd only) | 6.6799% | 2,289 |
| Net charge-offs to loans | 0.3055% | 545 |
| Credit loss provision to net charge-offs | 84.0909% | 2,482 |
| Earnings coverage of net charge-offs (x) | 8.0568% | 2,753 |
| Efficiency ratio | 73.1744% | 1,706 |
| Assets per employee ($millions) | 2.9388% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7832% | 4,682 |
| Loan loss allowance to noncurrent loans | 47.3270% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 0.8657% | 1,705 |
| Noncurrent loans to loans | 1.6549% | 947 |
| Net loans and leases to total assets | 51.8987% | 4,490 |
| Net loans and leases to deposits | 59.5233% | 4,579 |
| Net loans and leases to core deposits | 61.1528% | 4,653 |
| Total domestic deposits to total assets | 87.1907% | 1,644 |
| Equity capital to assets | 12.0607% | 1,871 |
| Core capital (leverage) ratio | 12.6055% | 1,453 |
| Tier 1 risk-based capital ratio | 22.5383% | 987 |
| Total risk-based capital ratio | 23.2663% | 1,030 |
| Memoranda: | ||
| Average total assets | $73,776,250 | 4,579 |
| Average earning assets | $66,532,000 | 4,600 |
| Average equity | $8,742,500 | 4,537 |
| Average total loans | $38,402,250 | 4,649 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4665% | 2,193 |
| Cost of funding earning assets | 0.3987% | 3,728 |
| Net interest margin | 4.0678% | 1,646 |
| Noninterest income to average assets | 0.9719% | 1,009 |
| Noninterest expense to average assets | 3.5789% | 889 |
| Loan and lease loss provision to assets | 0.1327% | 1,490 |
| Net operating income to assets | 0.6037% | 4,484 |
| Return on assets (ROA) | 0.6037% | 4,488 |
| Pretax return on assets | 0.9340% | 3,865 |
| Return on Equity (ROE) | 5.1247% | 4,516 |
| Retained earnings to average equity (ytd only) | 5.1247% | 3,014 |
| Net charge-offs to loans | 0.1980% | 795 |
| Credit loss provision to net charge-offs | 128.9474% | 1,727 |
| Earnings coverage of net charge-offs (x) | 10.3684% | 2,330 |
| Efficiency ratio | 77.0396% | 1,311 |
| Assets per employee ($millions) | 2.9748% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8305% | 4,601 |
| Loan loss allowance to noncurrent loans | 56.9930% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.0649% | 1,394 |
| Noncurrent loans to loans | 1.4571% | 1,159 |
| Net loans and leases to total assets | 52.3450% | 4,452 |
| Net loans and leases to deposits | 59.7153% | 4,543 |
| Net loans and leases to core deposits | 61.7039% | 4,617 |
| Total domestic deposits to total assets | 87.6577% | 1,558 |
| Equity capital to assets | 11.7399% | 2,027 |
| Core capital (leverage) ratio | 12.0502% | 1,679 |
| Tier 1 risk-based capital ratio | 19.5990% | 1,405 |
| Total risk-based capital ratio | 20.3134% | 1,501 |
| Memoranda: | ||
| Average total assets | $73,878,330 | 4,627 |
| Average earning assets | $66,718,330 | 4,646 |
| Average equity | $8,703,000 | 4,582 |
| Average total loans | $38,392,670 | 4,690 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2531% | 2,699 |
| Cost of funding earning assets | 0.3742% | 3,785 |
| Net interest margin | 3.8789% | 2,127 |
| Noninterest income to average assets | 1.0267% | 864 |
| Noninterest expense to average assets | 3.7049% | 751 |
| Loan and lease loss provision to assets | 0.1358% | 1,390 |
| Net operating income to assets | 0.4618% | 4,787 |
| Return on assets (ROA) | 0.4618% | 4,791 |
| Pretax return on assets | 0.7334% | 4,342 |
| Return on Equity (ROE) | 3.9130% | 4,782 |
| Retained earnings to average equity (ytd only) | 3.9130% | 3,627 |
| Net charge-offs to loans | 0.2529% | 607 |
| Credit loss provision to net charge-offs | 104.1667% | 1,501 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,143 |
| Efficiency ratio | 80.9976% | 1,039 |
| Assets per employee ($millions) | 3.1201% | 5,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 4,681 |
| Loan loss allowance to noncurrent loans | 46.3343% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 0.9108% | 1,742 |
| Noncurrent loans to loans | 1.8071% | 923 |
| Net loans and leases to total assets | 49.9780% | 4,559 |
| Net loans and leases to deposits | 56.8674% | 4,655 |
| Net loans and leases to core deposits | 58.9695% | 4,703 |
| Total domestic deposits to total assets | 87.8851% | 1,687 |
| Equity capital to assets | 11.5340% | 2,102 |
| Core capital (leverage) ratio | 12.0960% | 1,592 |
| Tier 1 risk-based capital ratio | 21.7967% | 1,085 |
| Total risk-based capital ratio | 22.5749% | 1,126 |
| Memoranda: | ||
| Average total assets | $73,632,500 | 4,680 |
| Average earning assets | $67,339,000 | 4,689 |
| Average equity | $8,689,000 | 4,626 |
| Average total loans | $37,961,500 | 4,748 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2680% | 2,439 |
| Cost of funding earning assets | 0.3803% | 3,422 |
| Net interest margin | 3.8876% | 2,123 |
| Noninterest income to average assets | 1.0240% | 972 |
| Noninterest expense to average assets | 3.4009% | 1,192 |
| Loan and lease loss provision to assets | 0.0942% | 2,319 |
| Net operating income to assets | 0.6553% | 3,799 |
| Return on assets (ROA) | 0.6553% | 3,836 |
| Pretax return on assets | 1.0458% | 3,396 |
| Return on Equity (ROE) | 5.4975% | 3,967 |
| Retained earnings to average equity (ytd only) | 3.6650% | 3,051 |
| Net charge-offs to loans | 0.0517% | 2,766 |
| Credit loss provision to net charge-offs | 363.1579% | 812 |
| Earnings coverage of net charge-offs (x) | 43.9474% | 1,190 |
| Efficiency ratio | 74.8948% | 1,779 |
| Assets per employee ($millions) | 3.1470% | 5,083 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 4,757 |
| Loan loss allowance to noncurrent loans | 45.0644% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 0.9657% | 1,605 |
| Noncurrent loans to loans | 1.8307% | 871 |
| Net loans and leases to total assets | 52.3155% | 4,497 |
| Net loans and leases to deposits | 60.0358% | 4,565 |
| Net loans and leases to core deposits | 62.0984% | 4,652 |
| Total domestic deposits to total assets | 87.1404% | 1,925 |
| Equity capital to assets | 12.0762% | 1,780 |
| Core capital (leverage) ratio | 11.7103% | 1,789 |
| Tier 1 risk-based capital ratio | 20.3904% | 1,252 |
| Total risk-based capital ratio | 21.1358% | 1,312 |
| Memoranda: | ||
| Average total assets | $73,245,200 | 4,719 |
| Average earning assets | $66,261,200 | 4,738 |
| Average equity | $8,731,200 | 4,660 |
| Average total loans | $36,753,600 | 4,827 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1327% | 2,864 |
| Cost of funding earning assets | 0.3808% | 3,368 |
| Net interest margin | 3.7519% | 2,573 |
| Noninterest income to average assets | 1.0781% | 876 |
| Noninterest expense to average assets | 3.2270% | 1,502 |
| Loan and lease loss provision to assets | 0.1035% | 2,044 |
| Net operating income to assets | 0.9202% | 2,926 |
| Return on assets (ROA) | 0.9202% | 2,987 |
| Pretax return on assets | 1.1452% | 3,132 |
| Return on Equity (ROE) | 7.7443% | 3,267 |
| Retained earnings to average equity (ytd only) | 7.7443% | 1,326 |
| Net charge-offs to loans | 0.0586% | 2,286 |
| Credit loss provision to net charge-offs | 356.2500% | 855 |
| Earnings coverage of net charge-offs (x) | 43.0056% | 1,232 |
| Efficiency ratio | 72.1006% | 2,192 |
| Assets per employee ($millions) | 3.1901% | 5,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8239% | 4,828 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 0.8586% | 2,003 |
| Noncurrent loans to loans | 1.6479% | 1,115 |
| Net loans and leases to total assets | 50.1997% | 4,684 |
| Net loans and leases to deposits | 57.6029% | 4,783 |
| Net loans and leases to core deposits | 59.5531% | 4,836 |
| Total domestic deposits to total assets | 87.1479% | 1,799 |
| Equity capital to assets | 12.3397% | 1,752 |
| Core capital (leverage) ratio | 11.9876% | 1,692 |
| Tier 1 risk-based capital ratio | 21.0288% | 1,191 |
| Total risk-based capital ratio | 21.7572% | 1,248 |
| Memoranda: | ||
| Average total assets | $73,461,000 | 4,765 |
| Average earning assets | $66,524,750 | 4,787 |
| Average equity | $8,728,750 | 4,709 |
| Average total loans | $36,396,500 | 4,885 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0796% | 2,893 |
| Cost of funding earning assets | 0.3799% | 3,292 |
| Net interest margin | 3.6997% | 2,663 |
| Noninterest income to average assets | 1.0695% | 879 |
| Noninterest expense to average assets | 3.3555% | 1,265 |
| Loan and lease loss provision to assets | 0.1551% | 1,292 |
| Net operating income to assets | 0.7620% | 3,581 |
| Return on assets (ROA) | 0.7620% | 3,628 |
| Pretax return on assets | 0.8981% | 3,941 |
| Return on Equity (ROE) | 6.4963% | 3,825 |
| Retained earnings to average equity (ytd only) | 6.4963% | 1,848 |
| Net charge-offs to loans | 0.0941% | 1,676 |
| Credit loss provision to net charge-offs | 335.2941% | 884 |
| Earnings coverage of net charge-offs (x) | 22.7647% | 1,699 |
| Efficiency ratio | 76.1111% | 1,705 |
| Assets per employee ($millions) | 3.2125% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 4,884 |
| Loan loss allowance to noncurrent loans | 40.0788% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 1.0299% | 1,701 |
| Noncurrent loans to loans | 2.0571% | 812 |
| Net loans and leases to total assets | 49.6549% | 4,731 |
| Net loans and leases to deposits | 56.7239% | 4,823 |
| Net loans and leases to core deposits | 58.6171% | 4,893 |
| Total domestic deposits to total assets | 87.5379% | 1,694 |
| Equity capital to assets | 11.9654% | 1,954 |
| Core capital (leverage) ratio | 11.6385% | 1,872 |
| Tier 1 risk-based capital ratio | 20.3951% | 1,291 |
| Total risk-based capital ratio | 21.1185% | 1,360 |
| Memoranda: | ||
| Average total assets | $73,490,330 | 4,794 |
| Average earning assets | $66,330,000 | 4,822 |
| Average equity | $8,620,330 | 4,751 |
| Average total loans | $36,149,000 | 4,929 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0735% | 2,756 |
| Cost of funding earning assets | 0.3808% | 3,199 |
| Net interest margin | 3.6927% | 2,505 |
| Noninterest income to average assets | 0.9933% | 1,018 |
| Noninterest expense to average assets | 3.3237% | 1,338 |
| Loan and lease loss provision to assets | 0.1746% | 1,010 |
| Net operating income to assets | 0.6931% | 3,742 |
| Return on assets (ROA) | 0.6931% | 3,778 |
| Pretax return on assets | 0.8296% | 4,007 |
| Return on Equity (ROE) | 5.9694% | 3,925 |
| Retained earnings to average equity (ytd only) | 5.9694% | 2,357 |
| Net charge-offs to loans | 0.1456% | 1,077 |
| Credit loss provision to net charge-offs | 246.1538% | 900 |
| Earnings coverage of net charge-offs (x) | 14.1538% | 1,742 |
| Efficiency ratio | 76.7970% | 1,787 |
| Assets per employee ($millions) | 3.0941% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7978% | 5,072 |
| Loan loss allowance to noncurrent loans | 55.2529% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 0.6922% | 2,559 |
| Noncurrent loans to loans | 1.4439% | 1,394 |
| Net loans and leases to total assets | 47.5538% | 4,855 |
| Net loans and leases to deposits | 54.0756% | 4,931 |
| Net loans and leases to core deposits | 55.8582% | 4,982 |
| Total domestic deposits to total assets | 87.9395% | 1,751 |
| Equity capital to assets | 11.5851% | 2,124 |
| Core capital (leverage) ratio | 11.5022% | 1,947 |
| Tier 1 risk-based capital ratio | 20.4074% | 1,317 |
| Total risk-based capital ratio | 21.0985% | 1,392 |
| Memoranda: | ||
| Average total assets | $73,291,500 | 4,846 |
| Average earning assets | $66,184,000 | 4,875 |
| Average equity | $8,510,000 | 4,811 |
| Average total loans | $35,726,500 | 4,975 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0305% | 3,092 |
| Cost of funding earning assets | 0.3971% | 3,025 |
| Net interest margin | 3.6334% | 2,945 |
| Noninterest income to average assets | 0.9314% | 1,317 |
| Noninterest expense to average assets | 3.4397% | 1,277 |
| Loan and lease loss provision to assets | 0.0903% | 2,556 |
| Net operating income to assets | 0.5772% | 4,311 |
| Return on assets (ROA) | 0.5772% | 4,415 |
| Pretax return on assets | 0.6674% | 4,598 |
| Return on Equity (ROE) | 4.9644% | 4,453 |
| Retained earnings to average equity (ytd only) | 3.0821% | 3,707 |
| Net charge-offs to loans | 0.2148% | 1,288 |
| Credit loss provision to net charge-offs | 89.1892% | 2,812 |
| Earnings coverage of net charge-offs (x) | 7.4865% | 3,011 |
| Efficiency ratio | 81.9485% | 1,204 |
| Assets per employee ($millions) | 3.0135% | 5,350 |
| Cash dividends to net income (ytd only)* | 37.9147% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 5,274 |
| Loan loss allowance to noncurrent loans | 94.3060% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 3,576 |
| Noncurrent loans to loans | 0.7837% | 2,557 |
| Net loans and leases to total assets | 49.2105% | 4,818 |
| Net loans and leases to deposits | 56.1957% | 4,904 |
| Net loans and leases to core deposits | 57.8198% | 4,976 |
| Total domestic deposits to total assets | 87.5698% | 1,842 |
| Equity capital to assets | 11.6379% | 2,054 |
| Core capital (leverage) ratio | 11.4007% | 2,009 |
| Tier 1 risk-based capital ratio | 22.2337% | 1,047 |
| Total risk-based capital ratio | 22.9337% | 1,099 |
| Memoranda: | ||
| Average total assets | $73,116,200 | 4,864 |
| Average earning assets | $65,724,200 | 4,898 |
| Average equity | $8,500,600 | 4,841 |
| Average total loans | $34,444,800 | 5,055 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9741% | 3,312 |
| Cost of funding earning assets | 0.3978% | 3,045 |
| Net interest margin | 3.5763% | 3,176 |
| Noninterest income to average assets | 0.8948% | 1,424 |
| Noninterest expense to average assets | 3.3790% | 1,386 |
| Loan and lease loss provision to assets | 0.1200% | 1,931 |
| Net operating income to assets | 0.4965% | 4,712 |
| Return on assets (ROA) | 0.4965% | 4,802 |
| Pretax return on assets | 0.6001% | 4,879 |
| Return on Equity (ROE) | 4.2714% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.2714% | 3,283 |
| Net charge-offs to loans | 0.2268% | 1,035 |
| Credit loss provision to net charge-offs | 113.7931% | 2,175 |
| Earnings coverage of net charge-offs (x) | 6.8278% | 2,957 |
| Efficiency ratio | 82.4312% | 1,142 |
| Assets per employee ($millions) | 3.0678% | 5,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7972% | 5,195 |
| Loan loss allowance to noncurrent loans | 78.2730% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 0.5216% | 3,367 |
| Noncurrent loans to loans | 1.0185% | 2,207 |
| Net loans and leases to total assets | 47.4914% | 4,991 |
| Net loans and leases to deposits | 54.2075% | 5,097 |
| Net loans and leases to core deposits | 56.0155% | 5,148 |
| Total domestic deposits to total assets | 87.6104% | 1,609 |
| Equity capital to assets | 11.8369% | 2,228 |
| Core capital (leverage) ratio | 11.4539% | 2,070 |
| Tier 1 risk-based capital ratio | 22.4920% | 1,065 |
| Total risk-based capital ratio | 23.2433% | 1,119 |
| Memoranda: | ||
| Average total assets | $73,314,250 | 4,902 |
| Average earning assets | $65,690,500 | 4,942 |
| Average equity | $8,521,500 | 4,881 |
| Average total loans | $34,092,000 | 5,110 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9266% | 3,514 |
| Cost of funding earning assets | 0.3984% | 3,057 |
| Net interest margin | 3.5282% | 3,378 |
| Noninterest income to average assets | 0.8742% | 1,457 |
| Noninterest expense to average assets | 3.4339% | 1,307 |
| Loan and lease loss provision to assets | 0.1093% | 2,044 |
| Net operating income to assets | 0.4316% | 4,935 |
| Return on assets (ROA) | 0.4316% | 5,022 |
| Pretax return on assets | 0.4999% | 5,129 |
| Return on Equity (ROE) | 3.7365% | 5,006 |
| Retained earnings to average equity (ytd only) | 3.7365% | 3,516 |
| Net charge-offs to loans | 0.2314% | 1,016 |
| Credit loss provision to net charge-offs | 102.5641% | 2,058 |
| Earnings coverage of net charge-offs (x) | 5.7179% | 2,827 |
| Efficiency ratio | 84.9324% | 970 |
| Assets per employee ($millions) | 2.9118% | 5,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8111% | 5,252 |
| Loan loss allowance to noncurrent loans | 56.2628% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 0.7033% | 2,869 |
| Noncurrent loans to loans | 1.4417% | 1,537 |
| Net loans and leases to total assets | 46.0279% | 5,123 |
| Net loans and leases to deposits | 52.4737% | 5,229 |
| Net loans and leases to core deposits | 54.2388% | 5,264 |
| Total domestic deposits to total assets | 87.7162% | 1,565 |
| Equity capital to assets | 11.7961% | 2,273 |
| Core capital (leverage) ratio | 11.2439% | 2,200 |
| Tier 1 risk-based capital ratio | 22.8662% | 1,027 |
| Total risk-based capital ratio | 23.6213% | 1,078 |
| Memoranda: | ||
| Average total assets | $73,210,330 | 4,954 |
| Average earning assets | $65,756,330 | 4,986 |
| Average equity | $8,457,000 | 4,930 |
| Average total loans | $33,707,000 | 5,180 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9225% | 3,498 |
| Cost of funding earning assets | 0.4026% | 3,039 |
| Net interest margin | 3.5198% | 3,394 |
| Noninterest income to average assets | 0.8118% | 1,584 |
| Noninterest expense to average assets | 3.4705% | 1,234 |
| Loan and lease loss provision to assets | 0.2179% | 883 |
| Net operating income to assets | 0.1743% | 5,579 |
| Return on assets (ROA) | 0.1743% | 5,633 |
| Pretax return on assets | 0.2670% | 5,557 |
| Return on Equity (ROE) | 1.5253% | 5,611 |
| Retained earnings to average equity (ytd only) | 1.5253% | 4,660 |
| Net charge-offs to loans | 0.2495% | 828 |
| Credit loss provision to net charge-offs | 190.4762% | 1,117 |
| Earnings coverage of net charge-offs (x) | 4.2381% | 2,454 |
| Efficiency ratio | 87.7410% | 833 |
| Assets per employee ($millions) | 2.9342% | 5,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8588% | 5,191 |
| Loan loss allowance to noncurrent loans | 126.4069% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 4,171 |
| Noncurrent loans to loans | 0.6794% | 3,141 |
| Net loans and leases to total assets | 45.9519% | 5,118 |
| Net loans and leases to deposits | 52.1933% | 5,220 |
| Net loans and leases to core deposits | 53.6641% | 5,275 |
| Total domestic deposits to total assets | 88.0417% | 1,617 |
| Equity capital to assets | 11.5071% | 2,434 |
| Core capital (leverage) ratio | 11.1396% | 2,271 |
| Tier 1 risk-based capital ratio | 22.3386% | 1,114 |
| Total risk-based capital ratio | 23.1369% | 1,157 |
| Memoranda: | ||
| Average total assets | $73,418,000 | 4,990 |
| Average earning assets | $65,571,000 | 5,032 |
| Average equity | $8,392,000 | 4,978 |
| Average total loans | $33,670,500 | 5,223 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9423% | 3,556 |
| Cost of funding earning assets | 0.4192% | 2,949 |
| Net interest margin | 3.5231% | 3,442 |
| Noninterest income to average assets | 0.8600% | 1,571 |
| Noninterest expense to average assets | 3.3028% | 1,711 |
| Loan and lease loss provision to assets | 0.0831% | 2,633 |
| Net operating income to assets | 0.5567% | 4,473 |
| Return on assets (ROA) | 0.5567% | 4,565 |
| Pretax return on assets | 0.6398% | 4,706 |
| Return on Equity (ROE) | 4.8423% | 4,585 |
| Retained earnings to average equity (ytd only) | 2.7946% | 4,080 |
| Net charge-offs to loans | 0.2834% | 1,073 |
| Credit loss provision to net charge-offs | 65.2174% | 3,195 |
| Earnings coverage of net charge-offs (x) | 5.6739% | 3,345 |
| Efficiency ratio | 82.0433% | 1,408 |
| Assets per employee ($millions) | 2.8262% | 5,675 |
| Cash dividends to net income (ytd only)* | 42.2886% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8188% | 5,358 |
| Loan loss allowance to noncurrent loans | 151.6667% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2831% | 4,452 |
| Noncurrent loans to loans | 0.5399% | 3,545 |
| Net loans and leases to total assets | 45.0021% | 5,227 |
| Net loans and leases to deposits | 51.1746% | 5,327 |
| Net loans and leases to core deposits | 52.8707% | 5,377 |
| Total domestic deposits to total assets | 87.9384% | 1,661 |
| Equity capital to assets | 11.3540% | 2,494 |
| Core capital (leverage) ratio | 11.1210% | 2,291 |
| Tier 1 risk-based capital ratio | 22.6546% | 1,059 |
| Total risk-based capital ratio | 23.4139% | 1,098 |
| Memoranda: | ||
| Average total assets | $72,210,400 | 5,040 |
| Average earning assets | $64,886,200 | 5,065 |
| Average equity | $8,301,800 | 5,003 |
| Average total loans | $32,463,000 | 5,278 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9088% | 3,719 |
| Cost of funding earning assets | 0.4217% | 2,993 |
| Net interest margin | 3.4871% | 3,592 |
| Noninterest income to average assets | 0.8679% | 1,554 |
| Noninterest expense to average assets | 3.1287% | 2,146 |
| Loan and lease loss provision to assets | 0.1113% | 2,028 |
| Net operating income to assets | 0.6602% | 4,080 |
| Return on assets (ROA) | 0.6602% | 4,197 |
| Pretax return on assets | 0.7715% | 4,420 |
| Return on Equity (ROE) | 5.7245% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.7245% | 2,422 |
| Net charge-offs to loans | 0.2936% | 908 |
| Credit loss provision to net charge-offs | 84.5070% | 2,543 |
| Earnings coverage of net charge-offs (x) | 6.7045% | 3,012 |
| Efficiency ratio | 77.9935% | 1,944 |
| Assets per employee ($millions) | 2.8036% | 5,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8940% | 5,222 |
| Loan loss allowance to noncurrent loans | 245.0000% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 4,940 |
| Noncurrent loans to loans | 0.3649% | 4,306 |
| Net loans and leases to total assets | 44.7129% | 5,309 |
| Net loans and leases to deposits | 50.8606% | 5,430 |
| Net loans and leases to core deposits | 52.5592% | 5,478 |
| Total domestic deposits to total assets | 87.9126% | 1,611 |
| Equity capital to assets | 11.6690% | 2,369 |
| Core capital (leverage) ratio | 11.3853% | 2,125 |
| Tier 1 risk-based capital ratio | 22.8579% | 1,072 |
| Total risk-based capital ratio | 23.6698% | 1,115 |
| Memoranda: | ||
| Average total assets | $71,892,750 | 5,104 |
| Average earning assets | $64,809,500 | 5,126 |
| Average equity | $8,291,500 | 5,072 |
| Average total loans | $32,243,500 | 5,348 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8508% | 3,864 |
| Cost of funding earning assets | 0.4173% | 3,066 |
| Net interest margin | 3.4335% | 3,778 |
| Noninterest income to average assets | 0.8552% | 1,589 |
| Noninterest expense to average assets | 3.1163% | 2,196 |
| Loan and lease loss provision to assets | 0.1677% | 1,245 |
| Net operating income to assets | 0.5310% | 4,647 |
| Return on assets (ROA) | 0.5310% | 4,754 |
| Pretax return on assets | 0.6987% | 4,656 |
| Return on Equity (ROE) | 4.6229% | 4,784 |
| Retained earnings to average equity (ytd only) | 4.6229% | 3,095 |
| Net charge-offs to loans | 0.3871% | 672 |
| Credit loss provision to net charge-offs | 96.7742% | 2,114 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,970 |
| Efficiency ratio | 78.2456% | 2,030 |
| Assets per employee ($millions) | 2.8183% | 5,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 5,009 |
| Loan loss allowance to noncurrent loans | 360.7143% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 5,259 |
| Noncurrent loans to loans | 0.2686% | 4,708 |
| Net loans and leases to total assets | 42.2575% | 5,488 |
| Net loans and leases to deposits | 47.8409% | 5,603 |
| Net loans and leases to core deposits | 49.1079% | 5,648 |
| Total domestic deposits to total assets | 88.3292% | 1,480 |
| Equity capital to assets | 11.2614% | 2,606 |
| Core capital (leverage) ratio | 11.2097% | 2,240 |
| Tier 1 risk-based capital ratio | 22.4083% | 1,149 |
| Total risk-based capital ratio | 23.2468% | 1,190 |
| Memoranda: | ||
| Average total assets | $71,559,000 | 5,167 |
| Average earning assets | $65,181,000 | 5,172 |
| Average equity | $8,220,000 | 5,121 |
| Average total loans | $32,029,000 | 5,400 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8494% | 3,829 |
| Cost of funding earning assets | 0.4194% | 3,083 |
| Net interest margin | 3.4300% | 3,716 |
| Noninterest income to average assets | 0.8487% | 1,561 |
| Noninterest expense to average assets | 3.1570% | 2,102 |
| Loan and lease loss provision to assets | 0.1132% | 1,825 |
| Net operating income to assets | 0.3395% | 5,281 |
| Return on assets (ROA) | 0.3395% | 5,394 |
| Pretax return on assets | 0.6789% | 4,660 |
| Return on Equity (ROE) | 2.9254% | 5,409 |
| Retained earnings to average equity (ytd only) | 2.9254% | 4,217 |
| Net charge-offs to loans | 0.3703% | 658 |
| Credit loss provision to net charge-offs | 66.6667% | 1,941 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 2,461 |
| Efficiency ratio | 79.9427% | 1,903 |
| Assets per employee ($millions) | 2.7812% | 5,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9148% | 5,395 |
| Loan loss allowance to noncurrent loans | 261.0619% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 5,173 |
| Noncurrent loans to loans | 0.3504% | 4,542 |
| Net loans and leases to total assets | 44.1883% | 5,335 |
| Net loans and leases to deposits | 50.1420% | 5,454 |
| Net loans and leases to core deposits | 51.8196% | 5,503 |
| Total domestic deposits to total assets | 88.1263% | 1,742 |
| Equity capital to assets | 11.4243% | 2,535 |
| Core capital (leverage) ratio | 11.1669% | 2,250 |
| Tier 1 risk-based capital ratio | 22.0168% | 1,242 |
| Total risk-based capital ratio | 22.8320% | 1,278 |
| Memoranda: | ||
| Average total assets | $70,700,000 | 5,240 |
| Average earning assets | $63,906,500 | 5,248 |
| Average equity | $8,204,000 | 5,162 |
| Average total loans | $32,409,500 | 5,423 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2622% | 2,732 |
| Cost of funding earning assets | 0.4462% | 3,207 |
| Net interest margin | 3.8161% | 2,567 |
| Noninterest income to average assets | 0.9212% | 1,437 |
| Noninterest expense to average assets | 3.3511% | 1,797 |
| Loan and lease loss provision to assets | 0.1014% | 2,462 |
| Net operating income to assets | 0.7076% | 3,848 |
| Return on assets (ROA) | 0.7099% | 3,953 |
| Pretax return on assets | 0.8691% | 4,003 |
| Return on Equity (ROE) | 6.3672% | 3,964 |
| Retained earnings to average equity (ytd only) | 3.8405% | 3,482 |
| Net charge-offs to loans | 0.2749% | 1,575 |
| Credit loss provision to net charge-offs | 80.0000% | 2,864 |
| Earnings coverage of net charge-offs (x) | 7.6333% | 3,005 |
| Efficiency ratio | 77.5930% | 2,263 |
| Assets per employee ($millions) | 2.6573% | 6,057 |
| Cash dividends to net income (ytd only)* | 39.6825% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 5,355 |
| Loan loss allowance to noncurrent loans | 410.8108% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 5,438 |
| Noncurrent loans to loans | 0.2272% | 5,009 |
| Net loans and leases to total assets | 46.7035% | 5,268 |
| Net loans and leases to deposits | 53.2485% | 5,387 |
| Net loans and leases to core deposits | 55.4130% | 5,418 |
| Total domestic deposits to total assets | 87.7086% | 1,919 |
| Equity capital to assets | 11.7920% | 2,178 |
| Core capital (leverage) ratio | 11.0012% | 2,410 |
| Tier 1 risk-based capital ratio | 21.1842% | 1,364 |
| Total risk-based capital ratio | 21.9987% | 1,432 |
| Memoranda: | ||
| Average total assets | $70,992,400 | 5,257 |
| Average earning assets | $63,206,600 | 5,304 |
| Average equity | $7,915,600 | 5,225 |
| Average total loans | $32,737,400 | 5,459 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2543% | 2,792 |
| Cost of funding earning assets | 0.4510% | 3,235 |
| Net interest margin | 3.8033% | 2,610 |
| Noninterest income to average assets | 0.9123% | 1,488 |
| Noninterest expense to average assets | 3.2536% | 2,020 |
| Loan and lease loss provision to assets | 0.0672% | 3,005 |
| Net operating income to assets | 0.8582% | 3,134 |
| Return on assets (ROA) | 0.8582% | 3,227 |
| Pretax return on assets | 0.9738% | 3,699 |
| Return on Equity (ROE) | 7.8053% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.8053% | 1,443 |
| Net charge-offs to loans | 0.2034% | 1,847 |
| Credit loss provision to net charge-offs | 72.0000% | 2,732 |
| Earnings coverage of net charge-offs (x) | 11.1591% | 2,460 |
| Efficiency ratio | 75.7602% | 2,533 |
| Assets per employee ($millions) | 2.6848% | 6,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 5,541 |
| Loan loss allowance to noncurrent loans | 280.9091% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 5,431 |
| Noncurrent loans to loans | 0.3274% | 4,926 |
| Net loans and leases to total assets | 47.6892% | 5,234 |
| Net loans and leases to deposits | 54.3494% | 5,357 |
| Net loans and leases to core deposits | 55.8700% | 5,457 |
| Total domestic deposits to total assets | 87.7457% | 1,901 |
| Equity capital to assets | 11.7816% | 2,236 |
| Core capital (leverage) ratio | 11.1572% | 2,347 |
| Tier 1 risk-based capital ratio | 20.9914% | 1,456 |
| Total risk-based capital ratio | 21.7958% | 1,507 |
| Memoranda: | ||
| Average total assets | $71,468,250 | 5,299 |
| Average earning assets | $63,557,500 | 5,355 |
| Average equity | $7,857,750 | 5,276 |
| Average total loans | $32,779,000 | 5,505 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2348% | 2,826 |
| Cost of funding earning assets | 0.4555% | 3,258 |
| Net interest margin | 3.7793% | 2,641 |
| Noninterest income to average assets | 0.8719% | 1,584 |
| Noninterest expense to average assets | 3.3017% | 1,917 |
| Loan and lease loss provision to assets | 0.1000% | 2,354 |
| Net operating income to assets | 0.7553% | 3,543 |
| Return on assets (ROA) | 0.7553% | 3,644 |
| Pretax return on assets | 0.8109% | 4,229 |
| Return on Equity (ROE) | 7.0324% | 3,609 |
| Retained earnings to average equity (ytd only) | 7.0324% | 1,754 |
| Net charge-offs to loans | 0.2769% | 1,430 |
| Credit loss provision to net charge-offs | 80.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 7.2889% | 2,652 |
| Efficiency ratio | 78.3784% | 2,251 |
| Assets per employee ($millions) | 2.8018% | 6,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 5,505 |
| Loan loss allowance to noncurrent loans | 592.4528% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 5,583 |
| Noncurrent loans to loans | 0.1629% | 5,524 |
| Net loans and leases to total assets | 44.2420% | 5,520 |
| Net loans and leases to deposits | 49.9465% | 5,638 |
| Net loans and leases to core deposits | 51.5846% | 5,690 |
| Total domestic deposits to total assets | 88.5788% | 1,596 |
| Equity capital to assets | 10.9998% | 2,874 |
| Core capital (leverage) ratio | 10.8370% | 2,590 |
| Tier 1 risk-based capital ratio | 21.3057% | 1,383 |
| Total risk-based capital ratio | 22.1552% | 1,439 |
| Memoranda: | ||
| Average total assets | $72,023,000 | 5,332 |
| Average earning assets | $63,663,000 | 5,396 |
| Average equity | $7,735,670 | 5,332 |
| Average total loans | $32,506,000 | 5,554 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1435% | 3,120 |
| Cost of funding earning assets | 0.4618% | 3,294 |
| Net interest margin | 3.6817% | 2,941 |
| Noninterest income to average assets | 0.9328% | 1,299 |
| Noninterest expense to average assets | 3.5805% | 1,341 |
| Loan and lease loss provision to assets | 0.0614% | 2,887 |
| Net operating income to assets | 0.4860% | 4,757 |
| Return on assets (ROA) | 0.4860% | 4,832 |
| Pretax return on assets | 0.5418% | 5,041 |
| Return on Equity (ROE) | 4.5808% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.5808% | 3,372 |
| Net charge-offs to loans | 0.3447% | 1,036 |
| Credit loss provision to net charge-offs | 39.2857% | 2,304 |
| Earnings coverage of net charge-offs (x) | 3.8571% | 2,612 |
| Efficiency ratio | 85.5808% | 1,492 |
| Assets per employee ($millions) | 2.7935% | 6,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 5,702 |
| Loan loss allowance to noncurrent loans | 130.7692% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 4,790 |
| Noncurrent loans to loans | 0.7268% | 4,047 |
| Net loans and leases to total assets | 43.9096% | 5,522 |
| Net loans and leases to deposits | 49.3249% | 5,644 |
| Net loans and leases to core deposits | 51.3096% | 5,665 |
| Total domestic deposits to total assets | 89.0212% | 1,645 |
| Equity capital to assets | 10.5396% | 3,212 |
| Core capital (leverage) ratio | 10.6755% | 2,730 |
| Tier 1 risk-based capital ratio | 20.2704% | 1,655 |
| Total risk-based capital ratio | 21.0770% | 1,725 |
| Memoranda: | ||
| Average total assets | $71,611,000 | 5,394 |
| Average earning assets | $63,231,000 | 5,464 |
| Average equity | $7,597,000 | 5,393 |
| Average total loans | $32,487,500 | 5,612 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 3,481 |
| Cost of funding earning assets | 0.5214% | 3,382 |
| Net interest margin | 3.6431% | 3,272 |
| Noninterest income to average assets | 0.9605% | 1,492 |
| Noninterest expense to average assets | 3.4226% | 1,832 |
| Loan and lease loss provision to assets | 0.0098% | 4,929 |
| Net operating income to assets | 0.5531% | 4,489 |
| Return on assets (ROA) | 0.6264% | 4,240 |
| Pretax return on assets | 0.8179% | 4,083 |
| Return on Equity (ROE) | 5.8417% | 4,180 |
| Retained earnings to average equity (ytd only) | 4.5377% | 2,938 |
| Net charge-offs to loans | 0.3264% | 2,045 |
| Credit loss provision to net charge-offs | 7.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | 5.2400% | 3,349 |
| Efficiency ratio | 82.3688% | 1,828 |
| Assets per employee ($millions) | 2.7150% | 6,201 |
| Cash dividends to net income (ytd only)* | 22.3214% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 5,637 |
| Loan loss allowance to noncurrent loans | 182.4859% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 5,092 |
| Noncurrent loans to loans | 0.5400% | 4,644 |
| Net loans and leases to total assets | 45.9747% | 5,487 |
| Net loans and leases to deposits | 51.7748% | 5,642 |
| Net loans and leases to core deposits | 54.3891% | 5,648 |
| Total domestic deposits to total assets | 88.7974% | 1,757 |
| Equity capital to assets | 10.6798% | 2,952 |
| Core capital (leverage) ratio | 10.5821% | 2,803 |
| Tier 1 risk-based capital ratio | 19.7303% | 1,723 |
| Total risk-based capital ratio | 20.5568% | 1,798 |
| Memoranda: | ||
| Average total assets | $71,525,400 | 5,430 |
| Average earning assets | $62,721,000 | 5,515 |
| Average equity | $7,669,000 | 5,423 |
| Average total loans | $30,639,000 | 5,732 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1058% | 3,738 |
| Cost of funding earning assets | 0.5344% | 3,423 |
| Net interest margin | 3.5714% | 3,569 |
| Noninterest income to average assets | 0.9383% | 1,642 |
| Noninterest expense to average assets | 3.2311% | 2,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7324% | 3,684 |
| Return on assets (ROA) | 0.8435% | 3,253 |
| Pretax return on assets | 0.9625% | 3,640 |
| Return on Equity (ROE) | 7.8598% | 3,193 |
| Retained earnings to average equity (ytd only) | 7.8598% | 1,475 |
| Net charge-offs to loans | 0.3100% | 1,989 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.4287% | 2,976 |
| Efficiency ratio | 79.4427% | 2,190 |
| Assets per employee ($millions) | 2.8945% | 6,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 5,299 |
| Loan loss allowance to noncurrent loans | 116.1074% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.5058% | 4,934 |
| Noncurrent loans to loans | 0.9528% | 3,909 |
| Net loans and leases to total assets | 42.7442% | 5,843 |
| Net loans and leases to deposits | 48.1274% | 5,957 |
| Net loans and leases to core deposits | 50.9916% | 5,955 |
| Total domestic deposits to total assets | 88.8147% | 1,660 |
| Equity capital to assets | 10.6532% | 3,113 |
| Core capital (leverage) ratio | 10.7642% | 2,706 |
| Tier 1 risk-based capital ratio | 22.4611% | 1,233 |
| Total risk-based capital ratio | 23.4554% | 1,262 |
| Memoranda: | ||
| Average total assets | $71,759,000 | 5,481 |
| Average earning assets | $62,869,000 | 5,570 |
| Average equity | $7,701,500 | 5,469 |
| Average total loans | $30,104,500 | 5,812 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 3,999 |
| Cost of funding earning assets | 0.5268% | 3,639 |
| Net interest margin | 3.5046% | 3,761 |
| Noninterest income to average assets | 0.8888% | 1,854 |
| Noninterest expense to average assets | 3.3735% | 1,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5394% | 4,612 |
| Return on assets (ROA) | 0.5394% | 4,779 |
| Pretax return on assets | 0.6205% | 4,946 |
| Return on Equity (ROE) | 5.0136% | 4,725 |
| Retained earnings to average equity (ytd only) | 5.0136% | 3,048 |
| Net charge-offs to loans | 0.2221% | 2,410 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.7273% | 2,667 |
| Efficiency ratio | 84.4647% | 1,585 |
| Assets per employee ($millions) | 2.7763% | 6,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 4,509 |
| Loan loss allowance to noncurrent loans | 95.9900% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 4,575 |
| Noncurrent loans to loans | 1.3549% | 3,288 |
| Net loans and leases to total assets | 40.2665% | 6,023 |
| Net loans and leases to deposits | 45.2171% | 6,156 |
| Net loans and leases to core deposits | 46.6137% | 6,206 |
| Total domestic deposits to total assets | 89.0516% | 1,603 |
| Equity capital to assets | 10.4081% | 3,416 |
| Core capital (leverage) ratio | 10.3987% | 2,988 |
| Tier 1 risk-based capital ratio | 21.0229% | 1,488 |
| Total risk-based capital ratio | 22.0887% | 1,503 |
| Memoranda: | ||
| Average total assets | $71,557,670 | 5,521 |
| Average earning assets | $63,401,670 | 5,585 |
| Average equity | $7,699,000 | 5,514 |
| Average total loans | $29,713,670 | 5,856 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9524% | 4,289 |
| Cost of funding earning assets | 0.5375% | 3,700 |
| Net interest margin | 3.4149% | 4,064 |
| Noninterest income to average assets | 0.8534% | 1,919 |
| Noninterest expense to average assets | 3.4361% | 1,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4492% | 4,912 |
| Return on assets (ROA) | 0.4492% | 5,074 |
| Pretax return on assets | 0.4492% | 5,414 |
| Return on Equity (ROE) | 4.1068% | 5,037 |
| Retained earnings to average equity (ytd only) | 4.1068% | 3,755 |
| Net charge-offs to loans | 0.2412% | 2,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.4444% | 2,555 |
| Efficiency ratio | 88.4393% | 1,280 |
| Assets per employee ($millions) | 2.7988% | 6,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 4,465 |
| Loan loss allowance to noncurrent loans | 132.2259% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.5373% | 5,051 |
| Noncurrent loans to loans | 1.0211% | 4,091 |
| Net loans and leases to total assets | 39.9612% | 5,995 |
| Net loans and leases to deposits | 45.0258% | 6,122 |
| Net loans and leases to core deposits | 46.5264% | 6,183 |
| Total domestic deposits to total assets | 88.7519% | 1,829 |
| Equity capital to assets | 10.7204% | 3,297 |
| Core capital (leverage) ratio | 10.3526% | 2,964 |
| Tier 1 risk-based capital ratio | 20.7929% | 1,589 |
| Total risk-based capital ratio | 21.9049% | 1,593 |
| Memoranda: | ||
| Average total assets | $71,244,500 | 5,587 |
| Average earning assets | $63,252,000 | 5,638 |
| Average equity | $7,792,000 | 5,545 |
| Average total loans | $29,846,000 | 5,900 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4723% | 3,513 |
| Cost of funding earning assets | 0.6332% | 4,067 |
| Net interest margin | 3.8391% | 3,064 |
| Noninterest income to average assets | 0.7472% | 2,512 |
| Noninterest expense to average assets | 3.3815% | 2,099 |
| Loan and lease loss provision to assets | 0.1807% | 3,369 |
| Net operating income to assets | 0.4945% | 4,707 |
| Return on assets (ROA) | 0.4981% | 4,948 |
| Pretax return on assets | 0.5892% | 5,025 |
| Return on Equity (ROE) | 4.5214% | 4,916 |
| Retained earnings to average equity (ytd only) | 2.5836% | 4,407 |
| Net charge-offs to loans | 0.3077% | 3,106 |
| Credit loss provision to net charge-offs | 133.6842% | 2,095 |
| Earnings coverage of net charge-offs (x) | 5.6632% | 2,983 |
| Efficiency ratio | 81.5374% | 1,938 |
| Assets per employee ($millions) | 2.6816% | 6,444 |
| Cash dividends to net income (ytd only)* | 42.8571% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 4,276 |
| Loan loss allowance to noncurrent loans | 258.3851% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 5,488 |
| Noncurrent loans to loans | 0.5328% | 5,197 |
| Net loans and leases to total assets | 42.7404% | 5,924 |
| Net loans and leases to deposits | 48.4403% | 6,078 |
| Net loans and leases to core deposits | 50.5805% | 6,118 |
| Total domestic deposits to total assets | 88.2331% | 2,075 |
| Equity capital to assets | 11.1631% | 2,777 |
| Core capital (leverage) ratio | 10.4587% | 2,818 |
| Tier 1 risk-based capital ratio | 20.1461% | 1,638 |
| Total risk-based capital ratio | 21.2845% | 1,641 |
| Memoranda: | ||
| Average total assets | $70,264,000 | 5,625 |
| Average earning assets | $62,227,400 | 5,661 |
| Average equity | $7,741,000 | 5,576 |
| Average total loans | $30,878,600 | 5,901 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5031% | 3,626 |
| Cost of funding earning assets | 0.6525% | 4,173 |
| Net interest margin | 3.8506% | 3,117 |
| Noninterest income to average assets | 0.6856% | 2,782 |
| Noninterest expense to average assets | 3.3067% | 2,255 |
| Loan and lease loss provision to assets | 0.2405% | 2,647 |
| Net operating income to assets | 0.4742% | 4,933 |
| Return on assets (ROA) | 0.4791% | 5,184 |
| Pretax return on assets | 0.5530% | 5,290 |
| Return on Equity (ROE) | 4.3635% | 5,117 |
| Retained earnings to average equity (ytd only) | 4.3635% | 3,818 |
| Net charge-offs to loans | 0.2877% | 3,002 |
| Credit loss provision to net charge-offs | 189.5522% | 1,460 |
| Earnings coverage of net charge-offs (x) | 6.2090% | 2,834 |
| Efficiency ratio | 80.7586% | 1,980 |
| Assets per employee ($millions) | 2.5583% | 6,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 4,152 |
| Loan loss allowance to noncurrent loans | 396.4286% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 6,010 |
| Noncurrent loans to loans | 0.3660% | 5,750 |
| Net loans and leases to total assets | 43.6575% | 5,995 |
| Net loans and leases to deposits | 49.6878% | 6,135 |
| Net loans and leases to core deposits | 51.6848% | 6,201 |
| Total domestic deposits to total assets | 87.8637% | 2,120 |
| Equity capital to assets | 11.4587% | 2,791 |
| Core capital (leverage) ratio | 10.4959% | 2,915 |
| Tier 1 risk-based capital ratio | 20.0747% | 1,732 |
| Total risk-based capital ratio | 21.2766% | 1,722 |
| Memoranda: | ||
| Average total assets | $70,399,750 | 5,683 |
| Average earning assets | $62,326,000 | 5,729 |
| Average equity | $7,730,500 | 5,631 |
| Average total loans | $31,044,500 | 5,971 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 3,551 |
| Cost of funding earning assets | 0.6805% | 4,179 |
| Net interest margin | 3.8721% | 3,032 |
| Noninterest income to average assets | 0.5138% | 3,832 |
| Noninterest expense to average assets | 3.3285% | 2,227 |
| Loan and lease loss provision to assets | 0.2202% | 2,874 |
| Net operating income to assets | 0.2851% | 5,663 |
| Return on assets (ROA) | 0.2851% | 5,865 |
| Pretax return on assets | 0.3868% | 5,739 |
| Return on Equity (ROE) | 2.6340% | 5,830 |
| Retained earnings to average equity (ytd only) | 2.6340% | 4,864 |
| Net charge-offs to loans | 0.3655% | 2,550 |
| Credit loss provision to net charge-offs | 136.8421% | 2,007 |
| Earnings coverage of net charge-offs (x) | 3.7719% | 3,274 |
| Efficiency ratio | 84.5768% | 1,576 |
| Assets per employee ($millions) | 2.6898% | 6,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 4,812 |
| Loan loss allowance to noncurrent loans | 183.2579% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 5,599 |
| Noncurrent loans to loans | 0.7192% | 5,071 |
| Net loans and leases to total assets | 43.3617% | 6,080 |
| Net loans and leases to deposits | 49.0728% | 6,235 |
| Net loans and leases to core deposits | 50.9792% | 6,300 |
| Total domestic deposits to total assets | 88.3621% | 1,924 |
| Equity capital to assets | 11.0145% | 3,100 |
| Core capital (leverage) ratio | 10.2001% | 3,145 |
| Tier 1 risk-based capital ratio | 19.7859% | 1,763 |
| Total risk-based capital ratio | 20.8891% | 1,772 |
| Memoranda: | ||
| Average total assets | $70,841,670 | 5,707 |
| Average earning assets | $62,601,670 | 5,748 |
| Average equity | $7,669,000 | 5,663 |
| Average total loans | $31,192,670 | 6,005 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5642% | 3,661 |
| Cost of funding earning assets | 0.7080% | 4,210 |
| Net interest margin | 3.8562% | 3,110 |
| Noninterest income to average assets | 0.8584% | 1,915 |
| Noninterest expense to average assets | 3.4000% | 2,006 |
| Loan and lease loss provision to assets | 0.1347% | 3,664 |
| Net operating income to assets | 0.6845% | 3,958 |
| Return on assets (ROA) | 0.6845% | 4,173 |
| Pretax return on assets | 0.7462% | 4,623 |
| Return on Equity (ROE) | 6.3774% | 4,100 |
| Retained earnings to average equity (ytd only) | 6.3774% | 2,752 |
| Net charge-offs to loans | 0.2800% | 2,546 |
| Credit loss provision to net charge-offs | 109.0909% | 2,143 |
| Earnings coverage of net charge-offs (x) | 7.1364% | 2,109 |
| Efficiency ratio | 79.4233% | 2,282 |
| Assets per employee ($millions) | 2.6615% | 6,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 5,378 |
| Loan loss allowance to noncurrent loans | 168.5590% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 5,858 |
| Noncurrent loans to loans | 0.7265% | 5,208 |
| Net loans and leases to total assets | 43.3259% | 6,068 |
| Net loans and leases to deposits | 48.8499% | 6,238 |
| Net loans and leases to core deposits | 49.6001% | 6,364 |
| Total domestic deposits to total assets | 88.6919% | 1,891 |
| Equity capital to assets | 10.6972% | 3,273 |
| Core capital (leverage) ratio | 10.2012% | 3,105 |
| Tier 1 risk-based capital ratio | 18.8058% | 2,046 |
| Total risk-based capital ratio | 19.8023% | 2,097 |
| Memoranda: | ||
| Average total assets | $71,295,000 | 5,733 |
| Average earning assets | $63,275,000 | 5,771 |
| Average equity | $7,652,000 | 5,699 |
| Average total loans | $31,424,000 | 6,039 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8658% | 3,519 |
| Cost of funding earning assets | 0.9413% | 3,777 |
| Net interest margin | 3.9245% | 3,225 |
| Noninterest income to average assets | 0.9558% | 1,487 |
| Noninterest expense to average assets | 3.4836% | 2,019 |
| Loan and lease loss provision to assets | 0.1926% | 4,258 |
| Net operating income to assets | 0.6070% | 3,965 |
| Return on assets (ROA) | 0.6091% | 4,137 |
| Pretax return on assets | 0.8274% | 3,878 |
| Return on Equity (ROE) | 5.7464% | 4,006 |
| Retained earnings to average equity (ytd only) | 3.0549% | 4,053 |
| Net charge-offs to loans | 0.3056% | 3,869 |
| Credit loss provision to net charge-offs | 135.0000% | 2,229 |
| Earnings coverage of net charge-offs (x) | 7.1300% | 2,392 |
| Efficiency ratio | 77.4010% | 2,677 |
| Assets per employee ($millions) | 2.5261% | 6,807 |
| Cash dividends to net income (ytd only)* | 46.8384% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 5,275 |
| Loan loss allowance to noncurrent loans | 125.9016% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 5,670 |
| Noncurrent loans to loans | 0.9736% | 4,764 |
| Net loans and leases to total assets | 43.7495% | 6,232 |
| Net loans and leases to deposits | 49.4392% | 6,405 |
| Net loans and leases to core deposits | 50.4829% | 6,508 |
| Total domestic deposits to total assets | 88.4914% | 1,853 |
| Equity capital to assets | 10.7691% | 3,227 |
| Core capital (leverage) ratio | 10.0706% | 3,255 |
| Tier 1 risk-based capital ratio | 19.0581% | 1,878 |
| Total risk-based capital ratio | 20.0798% | 1,908 |
| Memoranda: | ||
| Average total assets | $70,099,400 | 5,736 |
| Average earning assets | $63,319,400 | 5,757 |
| Average equity | $7,430,800 | 5,742 |
| Average total loans | $32,724,400 | 6,029 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9278% | 3,437 |
| Cost of funding earning assets | 0.9961% | 3,703 |
| Net interest margin | 3.9317% | 3,224 |
| Noninterest income to average assets | 0.9207% | 1,577 |
| Noninterest expense to average assets | 3.3913% | 2,209 |
| Loan and lease loss provision to assets | 0.1620% | 4,443 |
| Net operating income to assets | 0.7214% | 3,500 |
| Return on assets (ROA) | 0.7244% | 3,668 |
| Pretax return on assets | 0.9303% | 3,649 |
| Return on Equity (ROE) | 6.8612% | 3,585 |
| Retained earnings to average equity (ytd only) | 6.8612% | 2,043 |
| Net charge-offs to loans | 0.3064% | 3,558 |
| Credit loss provision to net charge-offs | 111.8421% | 2,930 |
| Earnings coverage of net charge-offs (x) | 7.5132% | 2,352 |
| Efficiency ratio | 75.7021% | 2,885 |
| Assets per employee ($millions) | 2.5696% | 6,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 5,781 |
| Loan loss allowance to noncurrent loans | 91.0941% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.6296% | 5,564 |
| Noncurrent loans to loans | 1.2369% | 4,473 |
| Net loans and leases to total assets | 43.6629% | 6,362 |
| Net loans and leases to deposits | 49.4180% | 6,534 |
| Net loans and leases to core deposits | 51.0514% | 6,619 |
| Total domestic deposits to total assets | 88.3543% | 1,837 |
| Equity capital to assets | 10.8771% | 3,265 |
| Core capital (leverage) ratio | 10.3046% | 3,078 |
| Tier 1 risk-based capital ratio | 19.2571% | 1,866 |
| Total risk-based capital ratio | 20.1995% | 1,927 |
| Memoranda: | ||
| Average total assets | $69,941,750 | 5,783 |
| Average earning assets | $63,312,500 | 5,793 |
| Average equity | $7,384,250 | 5,787 |
| Average total loans | $33,073,500 | 6,067 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9360% | 3,461 |
| Cost of funding earning assets | 1.0367% | 3,689 |
| Net interest margin | 3.8994% | 3,308 |
| Noninterest income to average assets | 0.9268% | 1,549 |
| Noninterest expense to average assets | 3.4530% | 2,113 |
| Loan and lease loss provision to assets | 0.1155% | 4,839 |
| Net operating income to assets | 0.7073% | 3,503 |
| Return on assets (ROA) | 0.7073% | 3,615 |
| Pretax return on assets | 0.9094% | 3,580 |
| Return on Equity (ROE) | 6.7708% | 3,541 |
| Retained earnings to average equity (ytd only) | 6.7708% | 1,979 |
| Net charge-offs to loans | 0.2208% | 3,803 |
| Credit loss provision to net charge-offs | 108.1081% | 2,834 |
| Earnings coverage of net charge-offs (x) | 9.5946% | 1,903 |
| Efficiency ratio | 77.1115% | 2,841 |
| Assets per employee ($millions) | 2.5171% | 6,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 6,065 |
| Loan loss allowance to noncurrent loans | 102.6239% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.5548% | 5,814 |
| Noncurrent loans to loans | 1.0414% | 4,914 |
| Net loans and leases to total assets | 46.2322% | 6,243 |
| Net loans and leases to deposits | 52.2205% | 6,454 |
| Net loans and leases to core deposits | 53.8917% | 6,567 |
| Total domestic deposits to total assets | 88.5328% | 1,832 |
| Equity capital to assets | 10.7536% | 3,223 |
| Core capital (leverage) ratio | 10.1060% | 3,139 |
| Tier 1 risk-based capital ratio | 18.2669% | 2,085 |
| Total risk-based capital ratio | 19.1625% | 2,157 |
| Memoranda: | ||
| Average total assets | $69,272,670 | 5,844 |
| Average earning assets | $63,087,000 | 5,853 |
| Average equity | $7,237,000 | 5,857 |
| Average total loans | $33,507,000 | 6,106 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9426% | 3,357 |
| Cost of funding earning assets | 1.0778% | 3,669 |
| Net interest margin | 3.8648% | 3,320 |
| Noninterest income to average assets | 0.9553% | 1,451 |
| Noninterest expense to average assets | 3.5358% | 1,919 |
| Loan and lease loss provision to assets | 0.2330% | 3,322 |
| Net operating income to assets | 0.6000% | 4,029 |
| Return on assets (ROA) | 0.6000% | 4,095 |
| Pretax return on assets | 0.7165% | 4,237 |
| Return on Equity (ROE) | 5.8307% | 4,000 |
| Retained earnings to average equity (ytd only) | 5.8307% | 2,738 |
| Net charge-offs to loans | 0.1420% | 3,650 |
| Credit loss provision to net charge-offs | 333.3333% | 968 |
| Earnings coverage of net charge-offs (x) | 13.5833% | 1,424 |
| Efficiency ratio | 78.8312% | 2,712 |
| Assets per employee ($millions) | 2.5039% | 6,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 5,866 |
| Loan loss allowance to noncurrent loans | 126.5101% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.7417% | 5,450 |
| Noncurrent loans to loans | 0.9060% | 5,234 |
| Net loans and leases to total assets | 46.3771% | 6,250 |
| Net loans and leases to deposits | 52.0448% | 6,475 |
| Net loans and leases to core deposits | 54.0808% | 6,550 |
| Total domestic deposits to total assets | 89.1100% | 1,706 |
| Equity capital to assets | 10.2082% | 3,528 |
| Core capital (leverage) ratio | 9.9769% | 3,166 |
| Tier 1 risk-based capital ratio | 17.6342% | 2,236 |
| Total risk-based capital ratio | 18.5788% | 2,340 |
| Memoranda: | ||
| Average total assets | $68,669,500 | 5,911 |
| Average earning assets | $62,720,000 | 5,904 |
| Average equity | $7,066,000 | 5,911 |
| Average total loans | $33,792,500 | 6,137 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5400% | 2,123 |
| Cost of funding earning assets | 1.2671% | 4,099 |
| Net interest margin | 4.2729% | 1,908 |
| Noninterest income to average assets | 1.0375% | 1,395 |
| Noninterest expense to average assets | 3.7542% | 1,582 |
| Loan and lease loss provision to assets | 0.2099% | 5,152 |
| Net operating income to assets | 0.6645% | 3,374 |
| Return on assets (ROA) | 0.6645% | 3,513 |
| Pretax return on assets | 0.8366% | 3,515 |
| Return on Equity (ROE) | 6.2029% | 3,515 |
| Retained earnings to average equity (ytd only) | 3.3834% | 3,502 |
| Net charge-offs to loans | 0.3837% | 4,119 |
| Credit loss provision to net charge-offs | 106.9231% | 4,166 |
| Earnings coverage of net charge-offs (x) | 5.3308% | 2,657 |
| Efficiency ratio | 78.2007% | 2,675 |
| Assets per employee ($millions) | 2.4010% | 7,130 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 6,363 |
| Loan loss allowance to noncurrent loans | 166.9856% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.5994% | 5,825 |
| Noncurrent loans to loans | 0.6024% | 5,834 |
| Net loans and leases to total assets | 51.0851% | 6,038 |
| Net loans and leases to deposits | 57.4814% | 6,306 |
| Net loans and leases to core deposits | 59.4413% | 6,439 |
| Total domestic deposits to total assets | 88.8724% | 1,730 |
| Equity capital to assets | 10.3750% | 3,301 |
| Core capital (leverage) ratio | 10.2521% | 2,815 |
| Tier 1 risk-based capital ratio | 17.3111% | 2,227 |
| Total risk-based capital ratio | 18.1823% | 2,341 |
| Memoranda: | ||
| Average total assets | $66,219,400 | 5,992 |
| Average earning assets | $58,320,800 | 6,051 |
| Average equity | $7,093,400 | 6,001 |
| Average total loans | $33,878,800 | 6,213 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5779% | 2,151 |
| Cost of funding earning assets | 1.2998% | 4,220 |
| Net interest margin | 4.2781% | 1,918 |
| Noninterest income to average assets | 1.0429% | 1,330 |
| Noninterest expense to average assets | 3.6159% | 1,755 |
| Loan and lease loss provision to assets | 0.2607% | 4,500 |
| Net operating income to assets | 0.6629% | 3,589 |
| Return on assets (ROA) | 0.6629% | 3,752 |
| Pretax return on assets | 0.9115% | 3,520 |
| Return on Equity (ROE) | 6.1395% | 3,752 |
| Retained earnings to average equity (ytd only) | 6.1395% | 2,290 |
| Net charge-offs to loans | 0.2811% | 4,258 |
| Credit loss provision to net charge-offs | 181.6901% | 2,008 |
| Earnings coverage of net charge-offs (x) | 8.1693% | 2,201 |
| Efficiency ratio | 75.5171% | 3,035 |
| Assets per employee ($millions) | 2.4530% | 7,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 5,646 |
| Loan loss allowance to noncurrent loans | 112.4294% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 5,471 |
| Noncurrent loans to loans | 1.0367% | 5,175 |
| Net loans and leases to total assets | 49.1374% | 6,417 |
| Net loans and leases to deposits | 55.4980% | 6,648 |
| Net loans and leases to core deposits | 57.4585% | 6,767 |
| Total domestic deposits to total assets | 88.5390% | 1,657 |
| Equity capital to assets | 10.6865% | 3,301 |
| Core capital (leverage) ratio | 10.5990% | 2,596 |
| Tier 1 risk-based capital ratio | 17.5997% | 2,139 |
| Total risk-based capital ratio | 18.5971% | 2,188 |
| Memoranda: | ||
| Average total assets | $65,967,000 | 6,069 |
| Average earning assets | $57,749,750 | 6,136 |
| Average equity | $7,123,000 | 6,068 |
| Average total loans | $33,675,250 | 6,306 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6331% | 2,011 |
| Cost of funding earning assets | 1.3391% | 4,263 |
| Net interest margin | 4.2941% | 1,802 |
| Noninterest income to average assets | 1.1097% | 1,071 |
| Noninterest expense to average assets | 3.6765% | 1,604 |
| Loan and lease loss provision to assets | 0.2582% | 4,352 |
| Net operating income to assets | 0.7132% | 3,345 |
| Return on assets (ROA) | 0.7132% | 3,498 |
| Pretax return on assets | 0.9407% | 3,344 |
| Return on Equity (ROE) | 6.5809% | 3,507 |
| Retained earnings to average equity (ytd only) | 6.5809% | 2,030 |
| Net charge-offs to loans | 0.4774% | 3,104 |
| Credit loss provision to net charge-offs | 105.0000% | 3,882 |
| Earnings coverage of net charge-offs (x) | 4.8750% | 2,816 |
| Efficiency ratio | 75.4098% | 3,178 |
| Assets per employee ($millions) | 2.1970% | 7,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 6,347 |
| Loan loss allowance to noncurrent loans | 67.0565% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 0.7783% | 5,567 |
| Noncurrent loans to loans | 1.5093% | 4,446 |
| Net loans and leases to total assets | 51.0484% | 6,299 |
| Net loans and leases to deposits | 57.8886% | 6,581 |
| Net loans and leases to core deposits | 59.5947% | 6,738 |
| Total domestic deposits to total assets | 88.1839% | 1,894 |
| Equity capital to assets | 11.0272% | 2,832 |
| Core capital (leverage) ratio | 10.6026% | 2,540 |
| Tier 1 risk-based capital ratio | 18.0184% | 1,955 |
| Total risk-based capital ratio | 18.9132% | 2,024 |
| Memoranda: | ||
| Average total assets | $65,061,000 | 6,138 |
| Average earning assets | $57,055,330 | 6,198 |
| Average equity | $7,050,670 | 6,121 |
| Average total loans | $33,517,670 | 6,361 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6640% | 1,908 |
| Cost of funding earning assets | 1.3929% | 4,226 |
| Net interest margin | 4.2711% | 1,780 |
| Noninterest income to average assets | 1.0706% | 1,109 |
| Noninterest expense to average assets | 3.7997% | 1,330 |
| Loan and lease loss provision to assets | 0.2104% | 4,401 |
| Net operating income to assets | 0.5693% | 4,034 |
| Return on assets (ROA) | 0.5693% | 4,179 |
| Pretax return on assets | 0.7797% | 3,950 |
| Return on Equity (ROE) | 5.3011% | 4,209 |
| Retained earnings to average equity (ytd only) | 5.3011% | 2,984 |
| Net charge-offs to loans | 0.3125% | 3,164 |
| Credit loss provision to net charge-offs | 130.7692% | 2,696 |
| Earnings coverage of net charge-offs (x) | 6.1538% | 2,272 |
| Efficiency ratio | 79.3282% | 2,668 |
| Assets per employee ($millions) | 2.1669% | 7,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 6,219 |
| Loan loss allowance to noncurrent loans | 66.9231% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 0.8415% | 5,471 |
| Noncurrent loans to loans | 1.5713% | 4,386 |
| Net loans and leases to total assets | 50.3738% | 6,434 |
| Net loans and leases to deposits | 56.9843% | 6,700 |
| Net loans and leases to core deposits | 58.0078% | 6,881 |
| Total domestic deposits to total assets | 88.3995% | 1,849 |
| Equity capital to assets | 10.8467% | 2,899 |
| Core capital (leverage) ratio | 10.5477% | 2,574 |
| Tier 1 risk-based capital ratio | 18.0246% | 1,940 |
| Total risk-based capital ratio | 18.9489% | 2,000 |
| Memoranda: | ||
| Average total assets | $64,636,500 | 6,220 |
| Average earning assets | $56,285,000 | 6,311 |
| Average equity | $6,942,000 | 6,209 |
| Average total loans | $33,281,500 | 6,450 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1277% | 1,443 |
| Cost of funding earning assets | 1.7675% | 4,162 |
| Net interest margin | 4.3602% | 1,544 |
| Noninterest income to average assets | 1.1628% | 1,138 |
| Noninterest expense to average assets | 3.9753% | 1,393 |
| Loan and lease loss provision to assets | 0.2280% | 5,545 |
| Net operating income to assets | 0.7453% | 2,745 |
| Return on assets (ROA) | 0.7654% | 2,748 |
| Pretax return on assets | 0.8094% | 3,211 |
| Return on Equity (ROE) | 6.8395% | 2,849 |
| Retained earnings to average equity (ytd only) | 3.9291% | 2,458 |
| Net charge-offs to loans | 0.4366% | 4,054 |
| Credit loss provision to net charge-offs | 97.9021% | 5,690 |
| Earnings coverage of net charge-offs (x) | 4.3636% | 2,974 |
| Efficiency ratio | 79.6411% | 2,933 |
| Assets per employee ($millions) | 2.1422% | 7,622 |
| Cash dividends to net income (ytd only)* | 42.5532% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 6,285 |
| Loan loss allowance to noncurrent loans | 84.7880% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6660% | 5,803 |
| Noncurrent loans to loans | 1.1981% | 4,941 |
| Net loans and leases to total assets | 51.5490% | 6,478 |
| Net loans and leases to deposits | 59.6865% | 6,654 |
| Net loans and leases to core deposits | 76.9476% | 6,341 |
| Total domestic deposits to total assets | 86.3663% | 2,829 |
| Equity capital to assets | 10.6322% | 3,040 |
| Core capital (leverage) ratio | 10.2995% | 2,784 |
| Tier 1 risk-based capital ratio | 17.9983% | 1,900 |
| Total risk-based capital ratio | 18.9123% | 1,943 |
| Memoranda: | ||
| Average total assets | $61,404,800 | 6,301 |
| Average earning assets | $53,919,000 | 6,378 |
| Average equity | $6,871,800 | 6,309 |
| Average total loans | $32,756,400 | 6,480 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2135% | 1,341 |
| Cost of funding earning assets | 1.8062% | 4,358 |
| Net interest margin | 4.4073% | 1,423 |
| Noninterest income to average assets | 1.2127% | 1,047 |
| Noninterest expense to average assets | 3.8864% | 1,449 |
| Loan and lease loss provision to assets | 0.3076% | 4,511 |
| Net operating income to assets | 1.0941% | 1,750 |
| Return on assets (ROA) | 1.0941% | 1,811 |
| Pretax return on assets | 0.9051% | 3,210 |
| Return on Equity (ROE) | 9.6488% | 2,051 |
| Retained earnings to average equity (ytd only) | 9.6488% | 697 |
| Net charge-offs to loans | 0.3724% | 3,789 |
| Credit loss provision to net charge-offs | 153.8462% | 3,110 |
| Earnings coverage of net charge-offs (x) | 6.0659% | 2,673 |
| Efficiency ratio | 76.2171% | 3,471 |
| Assets per employee ($millions) | 2.0518% | 7,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 5,181 |
| Loan loss allowance to noncurrent loans | 114.9560% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.8416% | 5,408 |
| Noncurrent loans to loans | 1.0331% | 5,244 |
| Net loans and leases to total assets | 52.9885% | 6,496 |
| Net loans and leases to deposits | 61.9275% | 6,680 |
| Net loans and leases to core deposits | 79.1382% | 6,410 |
| Total domestic deposits to total assets | 85.5653% | 2,936 |
| Equity capital to assets | 11.7736% | 2,382 |
| Core capital (leverage) ratio | 10.9980% | 2,406 |
| Tier 1 risk-based capital ratio | 19.1090% | 1,720 |
| Total risk-based capital ratio | 20.1910% | 1,720 |
| Memoranda: | ||
| Average total assets | $60,689,250 | 6,365 |
| Average earning assets | $53,516,500 | 6,444 |
| Average equity | $6,881,500 | 6,361 |
| Average total loans | $32,578,250 | 6,532 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3561% | 1,087 |
| Cost of funding earning assets | 1.8809% | 4,369 |
| Net interest margin | 4.4752% | 1,225 |
| Noninterest income to average assets | 1.1953% | 1,098 |
| Noninterest expense to average assets | 4.0396% | 1,262 |
| Loan and lease loss provision to assets | 0.2483% | 4,591 |
| Net operating income to assets | 1.0761% | 1,852 |
| Return on assets (ROA) | 1.1192% | 1,789 |
| Pretax return on assets | 0.8344% | 3,559 |
| Return on Equity (ROE) | 10.0005% | 2,024 |
| Retained earnings to average equity (ytd only) | 10.0005% | 735 |
| Net charge-offs to loans | 0.3206% | 3,580 |
| Credit loss provision to net charge-offs | 144.2308% | 3,211 |
| Earnings coverage of net charge-offs (x) | 6.0385% | 2,697 |
| Efficiency ratio | 79.5306% | 3,124 |
| Assets per employee ($millions) | 2.0180% | 7,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 5,600 |
| Loan loss allowance to noncurrent loans | 377.3196% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 6,996 |
| Noncurrent loans to loans | 0.2915% | 6,787 |
| Net loans and leases to total assets | 54.3674% | 6,401 |
| Net loans and leases to deposits | 63.2694% | 6,637 |
| Net loans and leases to core deposits | 78.4601% | 6,519 |
| Total domestic deposits to total assets | 85.9300% | 2,828 |
| Equity capital to assets | 11.3776% | 2,616 |
| Core capital (leverage) ratio | 11.0920% | 2,336 |
| Tier 1 risk-based capital ratio | 18.8525% | 1,808 |
| Total risk-based capital ratio | 19.8729% | 1,810 |
| Memoranda: | ||
| Average total assets | $60,401,330 | 6,436 |
| Average earning assets | $52,422,000 | 6,532 |
| Average equity | $6,759,670 | 6,449 |
| Average total loans | $32,435,000 | 6,593 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4031% | 1,057 |
| Cost of funding earning assets | 1.9202% | 4,534 |
| Net interest margin | 4.4829% | 1,163 |
| Noninterest income to average assets | 1.1602% | 1,088 |
| Noninterest expense to average assets | 4.2100% | 930 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6554% | 3,774 |
| Return on assets (ROA) | 0.7227% | 3,649 |
| Pretax return on assets | 0.9216% | 3,633 |
| Return on Equity (ROE) | 6.5118% | 3,811 |
| Retained earnings to average equity (ytd only) | 6.5118% | 2,412 |
| Net charge-offs to loans | 0.2374% | 3,216 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 6.6316% | 2,464 |
| Efficiency ratio | 83.4428% | 2,365 |
| Assets per employee ($millions) | 1.9747% | 7,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 6,098 |
| Loan loss allowance to noncurrent loans | 263.4146% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 6,751 |
| Noncurrent loans to loans | 0.3843% | 6,457 |
| Net loans and leases to total assets | 53.4815% | 6,529 |
| Net loans and leases to deposits | 62.3252% | 6,708 |
| Net loans and leases to core deposits | 76.7496% | 6,626 |
| Total domestic deposits to total assets | 85.8105% | 2,820 |
| Equity capital to assets | 11.4346% | 2,630 |
| Core capital (leverage) ratio | 10.9712% | 2,521 |
| Tier 1 risk-based capital ratio | 19.0696% | 1,798 |
| Total risk-based capital ratio | 20.0152% | 1,814 |
| Memoranda: | ||
| Average total assets | $60,332,000 | 6,461 |
| Average earning assets | $52,287,000 | 6,560 |
| Average equity | $6,695,500 | 6,523 |
| Average total loans | $32,012,500 | 6,645 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0585% | 994 |
| Cost of funding earning assets | 2.4158% | 4,649 |
| Net interest margin | 4.6427% | 1,064 |
| Noninterest income to average assets | 1.2311% | 981 |
| Noninterest expense to average assets | 3.8922% | 1,572 |
| Loan and lease loss provision to assets | 0.0169% | 7,173 |
| Net operating income to assets | 0.8516% | 3,217 |
| Return on assets (ROA) | 0.8516% | 3,055 |
| Pretax return on assets | 1.3828% | 2,019 |
| Return on Equity (ROE) | 7.8531% | 3,133 |
| Retained earnings to average equity (ytd only) | 5.1317% | 1,945 |
| Net charge-offs to loans | 0.2475% | 3,799 |
| Credit loss provision to net charge-offs | 13.1579% | 6,607 |
| Earnings coverage of net charge-offs (x) | 10.9211% | 2,445 |
| Efficiency ratio | 73.5500% | 3,652 |
| Assets per employee ($millions) | 2.0474% | 7,869 |
| Cash dividends to net income (ytd only)* | 34.6535% | 3,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 5,475 |
| Loan loss allowance to noncurrent loans | 300.8772% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 6,640 |
| Noncurrent loans to loans | 0.3560% | 6,303 |
| Net loans and leases to total assets | 51.5686% | 6,887 |
| Net loans and leases to deposits | 60.5131% | 7,045 |
| Net loans and leases to core deposits | 74.2708% | 6,956 |
| Total domestic deposits to total assets | 85.2189% | 2,742 |
| Equity capital to assets | 10.7728% | 3,232 |
| Core capital (leverage) ratio | 10.7391% | 2,787 |
| Tier 1 risk-based capital ratio | 18.5132% | 1,915 |
| Total risk-based capital ratio | 19.5015% | 1,925 |
| Memoranda: | ||
| Average total assets | $59,298,200 | 6,405 |
| Average earning assets | $51,866,600 | 6,511 |
| Average equity | $6,430,600 | 6,666 |
| Average total loans | $30,706,800 | 6,663 |