Home > Citizens Bank > Performance and Condition Ratios
Citizens Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0769% | 1,903 |
| Cost of funding earning assets | 1.4603% | 2,048 |
| Net interest margin | 3.6166% | 1,941 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.1651% | 3,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3883% | 1,233 |
| Return on assets (ROA) | 1.3876% | 1,209 |
| Pretax return on assets | 1.3876% | 1,662 |
| Return on Equity (ROE) | 13.7500% | 1,542 |
| Retained earnings to average equity (ytd only) | 2.7847% | 3,347 |
| Net charge-offs to loans | 0.0232% | 1,854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 104.5556% | 882 |
| Efficiency ratio | 60.9300% | 2,983 |
| Assets per employee ($millions) | 5.4870% | 3,263 |
| Cash dividends to net income (ytd only)* | 79.7448% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 1,177 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 57.6100% | 3,070 |
| Net loans and leases to deposits | 64.3973% | 3,269 |
| Net loans and leases to core deposits | 84.8424% | 2,390 |
| Total domestic deposits to total assets | 89.4600% | 918 |
| Equity capital to assets | 10.3262% | 1,830 |
| Core capital (leverage) ratio | 9.1229% | 3,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0976% | 2,208 |
| Memoranda: | ||
| Average total assets | $135,557,000 | 3,499 |
| Average earning assets | $121,687,600 | 3,528 |
| Average equity | $13,682,000 | 3,369 |
| Average total loans | $77,594,000 | 3,447 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9916% | 1,838 |
| Cost of funding earning assets | 1.3134% | 2,117 |
| Net interest margin | 3.6783% | 1,823 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.2009% | 3,073 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4127% | 1,292 |
| Return on assets (ROA) | 1.4117% | 1,278 |
| Pretax return on assets | 1.4117% | 1,753 |
| Return on Equity (ROE) | 14.0700% | 1,636 |
| Retained earnings to average equity (ytd only) | 4.2375% | 3,193 |
| Net charge-offs to loans | 0.0260% | 1,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 95.4667% | 942 |
| Efficiency ratio | 60.9064% | 2,858 |
| Assets per employee ($millions) | 5.5666% | 3,128 |
| Cash dividends to net income (ytd only)* | 69.8812% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 1,175 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 56.2700% | 3,180 |
| Net loans and leases to deposits | 62.4187% | 3,377 |
| Net loans and leases to core deposits | 84.4409% | 2,298 |
| Total domestic deposits to total assets | 90.1500% | 903 |
| Equity capital to assets | 9.5224% | 2,082 |
| Core capital (leverage) ratio | 9.2409% | 3,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5257% | 2,444 |
| Memoranda: | ||
| Average total assets | $135,152,500 | 3,505 |
| Average earning assets | $121,213,250 | 3,542 |
| Average equity | $13,561,250 | 3,370 |
| Average total loans | $76,942,750 | 3,459 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 1,626 |
| Cost of funding earning assets | 1.1646% | 2,093 |
| Net interest margin | 3.7974% | 1,635 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.2225% | 3,008 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5051% | 1,093 |
| Return on assets (ROA) | 1.5036% | 1,097 |
| Pretax return on assets | 1.5036% | 1,594 |
| Return on Equity (ROE) | 14.7200% | 1,524 |
| Retained earnings to average equity (ytd only) | 5.9425% | 2,642 |
| Net charge-offs to loans | -0.0026% | 3,576 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.6231% | 3,002 |
| Assets per employee ($millions) | 5.4112% | 3,226 |
| Cash dividends to net income (ytd only)* | 59.6421% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 1,202 |
| Loan loss allowance to noncurrent loans | 5,661.9048% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 3,683 |
| Noncurrent loans to loans | 0.0264% | 3,569 |
| Net loans and leases to total assets | 57.9600% | 2,966 |
| Net loans and leases to deposits | 64.7745% | 3,140 |
| Net loans and leases to core deposits | 83.2281% | 2,255 |
| Total domestic deposits to total assets | 89.4800% | 1,085 |
| Equity capital to assets | 10.2366% | 1,726 |
| Core capital (leverage) ratio | 9.1836% | 3,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5962% | 2,060 |
| Memoranda: | ||
| Average total assets | $133,814,667 | 3,529 |
| Average earning assets | $119,872,333 | 3,574 |
| Average equity | $13,664,333 | 3,382 |
| Average total loans | $76,096,667 | 3,475 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6216% | 2,033 |
| Cost of funding earning assets | 0.8348% | 2,579 |
| Net interest margin | 3.7868% | 1,720 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.2212% | 3,040 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5058% | 1,176 |
| Return on assets (ROA) | 1.5058% | 1,151 |
| Pretax return on assets | 1.5058% | 1,656 |
| Return on Equity (ROE) | 14.7700% | 1,604 |
| Retained earnings to average equity (ytd only) | 2.9766% | 3,514 |
| Net charge-offs to loans | -0.0054% | 3,664 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.5968% | 3,001 |
| Assets per employee ($millions) | 5.8705% | 2,880 |
| Cash dividends to net income (ytd only)* | 79.8403% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 1,014 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 54.2500% | 3,182 |
| Net loans and leases to deposits | 60.4766% | 3,306 |
| Net loans and leases to core deposits | 75.2435% | 2,586 |
| Total domestic deposits to total assets | 89.7000% | 1,263 |
| Equity capital to assets | 10.1250% | 1,756 |
| Core capital (leverage) ratio | 9.2870% | 3,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8171% | 2,042 |
| Memoranda: | ||
| Average total assets | $133,082,500 | 3,585 |
| Average earning assets | $118,833,500 | 3,623 |
| Average equity | $13,572,500 | 3,430 |
| Average total loans | $74,348,000 | 3,536 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 1,909 |
| Cost of funding earning assets | 0.2262% | 3,542 |
| Net interest margin | 3.7053% | 1,362 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.0678% | 3,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5858% | 713 |
| Return on assets (ROA) | 1.5851% | 684 |
| Pretax return on assets | 1.5851% | 1,200 |
| Return on Equity (ROE) | 14.8400% | 1,300 |
| Retained earnings to average equity (ytd only) | 5.8454% | 2,698 |
| Net charge-offs to loans | -0.0709% | 4,433 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.5958% | 3,516 |
| Assets per employee ($millions) | 5.7019% | 3,032 |
| Cash dividends to net income (ytd only)* | 60.6208% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5998% | 978 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 55.7200% | 3,062 |
| Net loans and leases to deposits | 62.7031% | 3,136 |
| Net loans and leases to core deposits | 75.7330% | 2,440 |
| Total domestic deposits to total assets | 88.8600% | 1,759 |
| Equity capital to assets | 10.2743% | 1,569 |
| Core capital (leverage) ratio | 9.3562% | 3,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8088% | 2,047 |
| Memoranda: | ||
| Average total assets | $130,088,000 | 3,629 |
| Average earning assets | $116,723,200 | 3,658 |
| Average equity | $13,891,200 | 3,482 |
| Average total loans | $69,128,600 | 3,593 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7503% | 1,891 |
| Cost of funding earning assets | 0.0996% | 4,287 |
| Net interest margin | 3.6507% | 1,267 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.0571% | 3,329 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5549% | 732 |
| Return on assets (ROA) | 1.5539% | 715 |
| Pretax return on assets | 1.5539% | 1,253 |
| Return on Equity (ROE) | 14.4100% | 1,320 |
| Retained earnings to average equity (ytd only) | 5.3635% | 2,969 |
| Net charge-offs to loans | -0.0983% | 4,494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.9519% | 3,521 |
| Assets per employee ($millions) | 5.4500% | 3,275 |
| Cash dividends to net income (ytd only)* | 62.7892% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6468% | 972 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 54.2900% | 3,073 |
| Net loans and leases to deposits | 60.2038% | 3,182 |
| Net loans and leases to core deposits | 69.0507% | 2,719 |
| Total domestic deposits to total assets | 90.1800% | 1,579 |
| Equity capital to assets | 9.5817% | 1,836 |
| Core capital (leverage) ratio | 9.1952% | 3,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6778% | 2,182 |
| Memoranda: | ||
| Average total assets | $129,824,250 | 3,661 |
| Average earning assets | $116,467,750 | 3,693 |
| Average equity | $13,995,500 | 3,511 |
| Average total loans | $67,846,000 | 3,625 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5211% | 2,069 |
| Cost of funding earning assets | 0.0654% | 4,489 |
| Net interest margin | 3.4557% | 1,434 |
| Noninterest income to average assets | 0.2873% | 3,457 |
| Noninterest expense to average assets | 2.0093% | 3,410 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3776% | 961 |
| Return on assets (ROA) | 1.3761% | 947 |
| Pretax return on assets | 1.3761% | 1,505 |
| Return on Equity (ROE) | 12.3041% | 1,582 |
| Retained earnings to average equity (ytd only) | 6.7804% | 2,061 |
| Net charge-offs to loans | -0.1506% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3251% | 3,399 |
| Assets per employee ($millions) | 5.4182% | 3,307 |
| Cash dividends to net income (ytd only)* | 44.8934% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8063% | 809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 51.8669% | 3,173 |
| Net loans and leases to deposits | 57.9872% | 3,229 |
| Net loans and leases to core deposits | 65.8711% | 2,829 |
| Total domestic deposits to total assets | 89.4454% | 1,977 |
| Equity capital to assets | 10.3516% | 1,508 |
| Core capital (leverage) ratio | 9.2738% | 3,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2428% | 1,960 |
| Memoranda: | ||
| Average total assets | $129,498,667 | 3,705 |
| Average earning assets | $116,157,000 | 3,748 |
| Average equity | $14,483,000 | 3,544 |
| Average total loans | $66,394,667 | 3,690 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3374% | 2,271 |
| Cost of funding earning assets | 0.0641% | 4,501 |
| Net interest margin | 3.2734% | 1,636 |
| Noninterest income to average assets | 0.2668% | 3,529 |
| Noninterest expense to average assets | 1.9130% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2976% | 1,006 |
| Return on assets (ROA) | 1.2945% | 1,009 |
| Pretax return on assets | 1.2945% | 1,524 |
| Return on Equity (ROE) | 11.1820% | 1,559 |
| Retained earnings to average equity (ytd only) | 11.1820% | 752 |
| Net charge-offs to loans | -0.2939% | 4,655 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5845% | 3,527 |
| Assets per employee ($millions) | 5.7138% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8500% | 807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 47.9611% | 3,388 |
| Net loans and leases to deposits | 54.0687% | 3,414 |
| Net loans and leases to core deposits | 61.1368% | 3,048 |
| Total domestic deposits to total assets | 88.7039% | 2,207 |
| Equity capital to assets | 11.1683% | 1,257 |
| Core capital (leverage) ratio | 8.9468% | 3,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,938,500 | 3,702 |
| Average earning assets | $118,655,000 | 3,732 |
| Average equity | $15,274,500 | 3,537 |
| Average total loans | $66,679,500 | 3,686 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 1,054 |
| Cost of funding earning assets | 0.0948% | 4,421 |
| Net interest margin | 4.0727% | 622 |
| Noninterest income to average assets | 0.3286% | 3,448 |
| Noninterest expense to average assets | 2.1433% | 3,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.8203% | 488 |
| Return on assets (ROA) | 1.8187% | 510 |
| Pretax return on assets | 1.8187% | 876 |
| Return on Equity (ROE) | 14.2471% | 1,114 |
| Retained earnings to average equity (ytd only) | 3.7101% | 3,335 |
| Net charge-offs to loans | 0.0014% | 2,614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 2,260.0000% | 62 |
| Efficiency ratio | 54.0744% | 3,921 |
| Assets per employee ($millions) | 5.5192% | 3,242 |
| Cash dividends to net income (ytd only)* | 73.9593% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6473% | 1,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 51.3385% | 3,135 |
| Net loans and leases to deposits | 58.3882% | 3,218 |
| Net loans and leases to core deposits | 66.0210% | 2,817 |
| Total domestic deposits to total assets | 87.9262% | 2,084 |
| Equity capital to assets | 11.9825% | 1,258 |
| Core capital (leverage) ratio | 8.6322% | 3,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,155,200 | 3,756 |
| Average earning assets | $110,812,000 | 3,802 |
| Average equity | $15,848,800 | 3,555 |
| Average total loans | $73,788,400 | 3,587 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 1,244 |
| Cost of funding earning assets | 0.1030% | 4,473 |
| Net interest margin | 4.0238% | 757 |
| Noninterest income to average assets | 0.3418% | 3,404 |
| Noninterest expense to average assets | 2.1821% | 3,129 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7453% | 746 |
| Return on assets (ROA) | 1.7431% | 783 |
| Pretax return on assets | 1.7431% | 1,297 |
| Return on Equity (ROE) | 13.4315% | 1,563 |
| Retained earnings to average equity (ytd only) | 4.8474% | 3,275 |
| Net charge-offs to loans | -0.0018% | 3,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5617% | 3,585 |
| Assets per employee ($millions) | 5.2634% | 3,440 |
| Cash dividends to net income (ytd only)* | 63.9098% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6691% | 1,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 53.2121% | 3,056 |
| Net loans and leases to deposits | 61.3180% | 3,109 |
| Net loans and leases to core deposits | 69.8253% | 2,612 |
| Total domestic deposits to total assets | 86.7805% | 2,439 |
| Equity capital to assets | 12.7105% | 1,086 |
| Core capital (leverage) ratio | 9.1467% | 3,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,079,000 | 3,823 |
| Average earning assets | $108,784,250 | 3,866 |
| Average equity | $15,843,000 | 3,599 |
| Average total loans | $74,950,000 | 3,611 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9880% | 1,590 |
| Cost of funding earning assets | 0.1136% | 4,479 |
| Net interest margin | 3.8745% | 1,016 |
| Noninterest income to average assets | 0.3564% | 3,333 |
| Noninterest expense to average assets | 2.1846% | 3,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6210% | 1,006 |
| Return on assets (ROA) | 1.6210% | 1,062 |
| Pretax return on assets | 1.6210% | 1,680 |
| Return on Equity (ROE) | 12.4017% | 1,911 |
| Retained earnings to average equity (ytd only) | 7.0758% | 2,402 |
| Net charge-offs to loans | -0.0026% | 3,252 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4042% | 3,352 |
| Assets per employee ($millions) | 5.6467% | 2,965 |
| Cash dividends to net income (ytd only)* | 42.9448% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 1,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 61.0410% | 2,299 |
| Net loans and leases to deposits | 70.5179% | 2,358 |
| Net loans and leases to core deposits | 80.5913% | 1,838 |
| Total domestic deposits to total assets | 86.5610% | 2,527 |
| Equity capital to assets | 12.9061% | 974 |
| Core capital (leverage) ratio | 9.1079% | 3,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,665,000 | 3,845 |
| Average earning assets | $107,421,333 | 3,900 |
| Average equity | $15,772,000 | 3,606 |
| Average total loans | $77,147,000 | 3,600 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 1,815 |
| Cost of funding earning assets | 0.1285% | 4,469 |
| Net interest margin | 3.7794% | 1,183 |
| Noninterest income to average assets | 0.3600% | 3,286 |
| Noninterest expense to average assets | 2.1500% | 3,272 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5747% | 1,170 |
| Return on assets (ROA) | 1.5747% | 1,228 |
| Pretax return on assets | 1.5747% | 1,788 |
| Return on Equity (ROE) | 11.9682% | 2,028 |
| Retained earnings to average equity (ytd only) | 1.2275% | 4,172 |
| Net charge-offs to loans | -0.0052% | 3,409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7236% | 3,342 |
| Assets per employee ($millions) | 5.4892% | 3,127 |
| Cash dividends to net income (ytd only)* | 89.7436% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 1,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 63.4057% | 2,114 |
| Net loans and leases to deposits | 73.1404% | 2,201 |
| Net loans and leases to core deposits | 84.3830% | 1,646 |
| Total domestic deposits to total assets | 86.6903% | 2,446 |
| Equity capital to assets | 12.8832% | 952 |
| Core capital (leverage) ratio | 9.0004% | 3,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,883,500 | 3,877 |
| Average earning assets | $105,838,000 | 3,922 |
| Average equity | $15,641,500 | 3,623 |
| Average total loans | $77,235,000 | 3,615 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9992% | 488 |
| Cost of funding earning assets | 0.2771% | 4,261 |
| Net interest margin | 4.7221% | 208 |
| Noninterest income to average assets | 0.3140% | 3,589 |
| Noninterest expense to average assets | 2.3283% | 3,331 |
| Loan and lease loss provision to assets | 0.0438% | 3,852 |
| Net operating income to assets | 2.1117% | 215 |
| Return on assets (ROA) | 2.2608% | 184 |
| Pretax return on assets | 2.2608% | 271 |
| Return on Equity (ROE) | 17.0695% | 403 |
| Retained earnings to average equity (ytd only) | 3.0987% | 3,294 |
| Net charge-offs to loans | 0.0758% | 1,725 |
| Credit loss provision to net charge-offs | 83.3333% | 2,965 |
| Earnings coverage of net charge-offs (x) | 40.9667% | 1,369 |
| Efficiency ratio | 51.9265% | 4,389 |
| Assets per employee ($millions) | 5.0872% | 3,297 |
| Cash dividends to net income (ytd only)* | 81.8464% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 1,635 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 64.6289% | 2,280 |
| Net loans and leases to deposits | 74.7800% | 2,400 |
| Net loans and leases to core deposits | 86.6187% | 1,818 |
| Total domestic deposits to total assets | 86.4254% | 2,181 |
| Equity capital to assets | 13.4396% | 949 |
| Core capital (leverage) ratio | 9.0189% | 3,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,029,400 | 3,823 |
| Average earning assets | $100,696,400 | 3,884 |
| Average equity | $15,103,000 | 3,641 |
| Average total loans | $79,157,800 | 3,566 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7038% | 1,058 |
| Cost of funding earning assets | 0.3176% | 4,229 |
| Net interest margin | 4.3863% | 485 |
| Noninterest income to average assets | 0.3084% | 3,646 |
| Noninterest expense to average assets | 2.3492% | 3,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.8278% | 425 |
| Return on assets (ROA) | 2.0279% | 302 |
| Pretax return on assets | 2.0279% | 493 |
| Return on Equity (ROE) | 15.3690% | 635 |
| Retained earnings to average equity (ytd only) | 4.5759% | 2,760 |
| Net charge-offs to loans | 0.0318% | 2,195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 81.7368% | 910 |
| Efficiency ratio | 56.2412% | 3,891 |
| Assets per employee ($millions) | 5.1253% | 3,086 |
| Cash dividends to net income (ytd only)* | 70.2263% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 2,274 |
| Loan loss allowance to noncurrent loans | 2,308.1633% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 4,252 |
| Noncurrent loans to loans | 0.0552% | 4,152 |
| Net loans and leases to total assets | 71.2526% | 1,780 |
| Net loans and leases to deposits | 88.1457% | 1,468 |
| Net loans and leases to core deposits | 102.9700% | 986 |
| Total domestic deposits to total assets | 80.8351% | 3,697 |
| Equity capital to assets | 12.8262% | 1,262 |
| Core capital (leverage) ratio | 9.0019% | 3,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,285,500 | 3,824 |
| Average earning assets | $99,915,750 | 3,893 |
| Average equity | $14,947,500 | 3,660 |
| Average total loans | $79,757,500 | 3,576 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7739% | 1,230 |
| Cost of funding earning assets | 0.3768% | 4,141 |
| Net interest margin | 4.3972% | 621 |
| Noninterest income to average assets | 0.3181% | 3,562 |
| Noninterest expense to average assets | 2.3899% | 3,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7884% | 513 |
| Return on assets (ROA) | 2.1010% | 296 |
| Pretax return on assets | 2.1010% | 440 |
| Return on Equity (ROE) | 15.7590% | 609 |
| Retained earnings to average equity (ytd only) | 5.5347% | 2,263 |
| Net charge-offs to loans | -0.0026% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1988% | 3,788 |
| Assets per employee ($millions) | 4.9149% | 3,283 |
| Cash dividends to net income (ytd only)* | 64.8789% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 1,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 70.4607% | 1,960 |
| Net loans and leases to deposits | 87.7980% | 1,579 |
| Net loans and leases to core deposits | 103.8471% | 1,014 |
| Total domestic deposits to total assets | 80.2531% | 3,785 |
| Equity capital to assets | 13.1589% | 1,093 |
| Core capital (leverage) ratio | 9.1727% | 3,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,045,333 | 3,866 |
| Average earning assets | $96,607,667 | 3,932 |
| Average equity | $14,671,000 | 3,690 |
| Average total loans | $76,751,333 | 3,633 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9377% | 1,095 |
| Cost of funding earning assets | 0.4877% | 4,000 |
| Net interest margin | 4.4500% | 563 |
| Noninterest income to average assets | 0.3544% | 3,398 |
| Noninterest expense to average assets | 2.4885% | 3,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7532% | 451 |
| Return on assets (ROA) | 2.4018% | 141 |
| Pretax return on assets | 2.4018% | 200 |
| Return on Equity (ROE) | 17.8864% | 279 |
| Retained earnings to average equity (ytd only) | 3.8468% | 2,737 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6667% | 3,917 |
| Assets per employee ($millions) | 4.1999% | 3,662 |
| Cash dividends to net income (ytd only)* | 78.4929% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 1,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 68.2232% | 2,507 |
| Net loans and leases to deposits | 82.4676% | 2,392 |
| Net loans and leases to core deposits | 97.9731% | 1,627 |
| Total domestic deposits to total assets | 82.7273% | 3,196 |
| Equity capital to assets | 13.1355% | 1,369 |
| Core capital (leverage) ratio | 9.9605% | 3,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,089,000 | 3,901 |
| Average earning assets | $92,674,500 | 3,991 |
| Average equity | $14,245,500 | 3,743 |
| Average total loans | $72,994,500 | 3,703 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0928% | 1,228 |
| Cost of funding earning assets | 0.6485% | 3,418 |
| Net interest margin | 4.4443% | 814 |
| Noninterest income to average assets | 0.4701% | 2,903 |
| Noninterest expense to average assets | 2.3797% | 3,734 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.9798% | 373 |
| Return on assets (ROA) | 2.0678% | 307 |
| Pretax return on assets | 2.0678% | 517 |
| Return on Equity (ROE) | 15.4244% | 620 |
| Retained earnings to average equity (ytd only) | 1.5927% | 4,168 |
| Net charge-offs to loans | -0.0014% | 4,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5865% | 4,362 |
| Assets per employee ($millions) | 4.4658% | 3,280 |
| Cash dividends to net income (ytd only)* | 89.6739% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 1,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 67.2290% | 2,795 |
| Net loans and leases to deposits | 82.5091% | 2,497 |
| Net loans and leases to core deposits | 98.5368% | 1,692 |
| Total domestic deposits to total assets | 81.4807% | 3,653 |
| Equity capital to assets | 13.7143% | 1,204 |
| Core capital (leverage) ratio | 9.4571% | 4,104 |
| Tier 1 risk-based capital ratio | 12.3465% | 4,164 |
| Total risk-based capital ratio | 13.5984% | 4,026 |
| Memoranda: | ||
| Average total assets | $106,779,800 | 3,884 |
| Average earning assets | $93,446,400 | 3,981 |
| Average equity | $14,315,000 | 3,711 |
| Average total loans | $73,609,000 | 3,709 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0720% | 1,352 |
| Cost of funding earning assets | 0.6783% | 3,322 |
| Net interest margin | 4.3937% | 959 |
| Noninterest income to average assets | 0.4424% | 3,064 |
| Noninterest expense to average assets | 2.3684% | 3,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9197% | 471 |
| Return on assets (ROA) | 2.0372% | 385 |
| Pretax return on assets | 2.0372% | 638 |
| Return on Equity (ROE) | 15.2843% | 719 |
| Retained earnings to average equity (ytd only) | 2.3443% | 4,160 |
| Net charge-offs to loans | 0.0036% | 3,284 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 767.0225% | 125 |
| Efficiency ratio | 55.2317% | 4,253 |
| Assets per employee ($millions) | 4.8583% | 2,722 |
| Cash dividends to net income (ytd only)* | 84.6624% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 1,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 69.9269% | 2,489 |
| Net loans and leases to deposits | 85.1544% | 2,304 |
| Net loans and leases to core deposits | 101.2833% | 1,563 |
| Total domestic deposits to total assets | 82.1178% | 3,445 |
| Equity capital to assets | 13.7122% | 1,266 |
| Core capital (leverage) ratio | 9.6277% | 4,044 |
| Tier 1 risk-based capital ratio | 12.0605% | 4,392 |
| Total risk-based capital ratio | 13.3123% | 4,282 |
| Memoranda: | ||
| Average total assets | $106,679,750 | 3,920 |
| Average earning assets | $93,372,750 | 4,026 |
| Average equity | $14,219,000 | 3,751 |
| Average total loans | $73,709,750 | 3,745 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0176% | 1,432 |
| Cost of funding earning assets | 0.7082% | 3,122 |
| Net interest margin | 4.3094% | 1,123 |
| Noninterest income to average assets | 0.3864% | 3,358 |
| Noninterest expense to average assets | 2.3712% | 3,816 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7822% | 620 |
| Return on assets (ROA) | 1.9641% | 434 |
| Pretax return on assets | 1.9641% | 730 |
| Return on Equity (ROE) | 14.8792% | 786 |
| Retained earnings to average equity (ytd only) | 3.7944% | 3,353 |
| Net charge-offs to loans | 0.0055% | 2,956 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 475.0000% | 161 |
| Efficiency ratio | 57.0912% | 4,117 |
| Assets per employee ($millions) | 4.7325% | 2,829 |
| Cash dividends to net income (ytd only)* | 74.4986% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 1,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 67.1300% | 2,947 |
| Net loans and leases to deposits | 83.0462% | 2,600 |
| Net loans and leases to core deposits | 99.6699% | 1,753 |
| Total domestic deposits to total assets | 80.8346% | 3,867 |
| Equity capital to assets | 13.3665% | 1,396 |
| Core capital (leverage) ratio | 9.6162% | 4,018 |
| Tier 1 risk-based capital ratio | 12.1498% | 4,331 |
| Total risk-based capital ratio | 13.4016% | 4,221 |
| Memoranda: | ||
| Average total assets | $106,612,000 | 3,946 |
| Average earning assets | $93,192,670 | 4,053 |
| Average equity | $14,073,330 | 3,777 |
| Average total loans | $72,984,000 | 3,781 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9832% | 1,372 |
| Cost of funding earning assets | 0.7001% | 3,057 |
| Net interest margin | 4.2831% | 1,126 |
| Noninterest income to average assets | 0.4019% | 3,167 |
| Noninterest expense to average assets | 2.4077% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7290% | 694 |
| Return on assets (ROA) | 1.7290% | 719 |
| Pretax return on assets | 1.7290% | 1,145 |
| Return on Equity (ROE) | 13.1835% | 1,159 |
| Retained earnings to average equity (ytd only) | 0.1735% | 4,488 |
| Net charge-offs to loans | 0.0221% | 2,009 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 114.0000% | 611 |
| Efficiency ratio | 58.2035% | 4,053 |
| Assets per employee ($millions) | 4.6391% | 2,991 |
| Cash dividends to net income (ytd only)* | 98.6842% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 1,126 |
| Loan loss allowance to noncurrent loans | 3,693.5484% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 4,703 |
| Noncurrent loans to loans | 0.0425% | 4,572 |
| Net loans and leases to total assets | 67.2418% | 2,871 |
| Net loans and leases to deposits | 83.3686% | 2,459 |
| Net loans and leases to core deposits | 99.6126% | 1,655 |
| Total domestic deposits to total assets | 80.6560% | 4,035 |
| Equity capital to assets | 13.0937% | 1,397 |
| Core capital (leverage) ratio | 9.5320% | 4,092 |
| Tier 1 risk-based capital ratio | 11.9257% | 4,502 |
| Total risk-based capital ratio | 13.1777% | 4,398 |
| Memoranda: | ||
| Average total assets | $105,494,500 | 4,014 |
| Average earning assets | $91,989,000 | 4,111 |
| Average equity | $13,835,500 | 3,828 |
| Average total loans | $72,368,000 | 3,832 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9511% | 1,156 |
| Cost of funding earning assets | 0.4494% | 3,687 |
| Net interest margin | 4.5017% | 760 |
| Noninterest income to average assets | 0.4385% | 3,182 |
| Noninterest expense to average assets | 2.4603% | 3,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8983% | 446 |
| Return on assets (ROA) | 1.8964% | 445 |
| Pretax return on assets | 1.8964% | 725 |
| Return on Equity (ROE) | 14.6167% | 918 |
| Retained earnings to average equity (ytd only) | 0.0436% | 4,976 |
| Net charge-offs to loans | 0.0054% | 3,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 503.2500% | 209 |
| Efficiency ratio | 56.4474% | 4,351 |
| Assets per employee ($millions) | 4.5343% | 3,114 |
| Cash dividends to net income (ytd only)* | 99.7016% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 1,032 |
| Loan loss allowance to noncurrent loans | 3,706.4516% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 4,712 |
| Noncurrent loans to loans | 0.0431% | 4,561 |
| Net loans and leases to total assets | 67.7876% | 2,906 |
| Net loans and leases to deposits | 82.6369% | 2,660 |
| Net loans and leases to core deposits | 98.2721% | 1,850 |
| Total domestic deposits to total assets | 82.0307% | 3,634 |
| Equity capital to assets | 13.1366% | 1,285 |
| Core capital (leverage) ratio | 9.7773% | 3,831 |
| Tier 1 risk-based capital ratio | 11.9258% | 4,478 |
| Total risk-based capital ratio | 13.1773% | 4,364 |
| Memoranda: | ||
| Average total assets | $106,043,800 | 4,004 |
| Average earning assets | $92,342,400 | 4,096 |
| Average equity | $13,758,200 | 3,782 |
| Average total loans | $74,619,000 | 3,781 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8668% | 1,246 |
| Cost of funding earning assets | 0.4139% | 3,762 |
| Net interest margin | 4.4528% | 816 |
| Noninterest income to average assets | 0.4458% | 3,198 |
| Noninterest expense to average assets | 2.4517% | 3,727 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8732% | 520 |
| Return on assets (ROA) | 1.8707% | 522 |
| Pretax return on assets | 1.8707% | 860 |
| Return on Equity (ROE) | 14.4630% | 996 |
| Retained earnings to average equity (ytd only) | 1.5876% | 4,699 |
| Net charge-offs to loans | 0.0035% | 3,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 747.0487% | 114 |
| Efficiency ratio | 56.6879% | 4,288 |
| Assets per employee ($millions) | 4.4064% | 3,261 |
| Cash dividends to net income (ytd only)* | 89.0228% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6202% | 1,027 |
| Loan loss allowance to noncurrent loans | 3,712.9032% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 4,840 |
| Noncurrent loans to loans | 0.0436% | 4,706 |
| Net loans and leases to total assets | 66.0873% | 3,164 |
| Net loans and leases to deposits | 76.2467% | 3,396 |
| Net loans and leases to core deposits | 90.8831% | 2,573 |
| Total domestic deposits to total assets | 86.6757% | 1,878 |
| Equity capital to assets | 13.0028% | 1,336 |
| Core capital (leverage) ratio | 9.6978% | 3,944 |
| Tier 1 risk-based capital ratio | 12.4494% | 4,227 |
| Total risk-based capital ratio | 13.7019% | 4,112 |
| Memoranda: | ||
| Average total assets | $106,482,500 | 4,030 |
| Average earning assets | $92,762,750 | 4,130 |
| Average equity | $13,772,750 | 3,806 |
| Average total loans | $75,312,750 | 3,803 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8612% | 1,106 |
| Cost of funding earning assets | 0.4026% | 3,702 |
| Net interest margin | 4.4586% | 752 |
| Noninterest income to average assets | 0.4441% | 3,192 |
| Noninterest expense to average assets | 2.4380% | 3,802 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8871% | 482 |
| Return on assets (ROA) | 1.8833% | 482 |
| Pretax return on assets | 1.8833% | 806 |
| Return on Equity (ROE) | 14.5864% | 938 |
| Retained earnings to average equity (ytd only) | 2.2496% | 4,379 |
| Net charge-offs to loans | 0.0052% | 2,979 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 503.5000% | 175 |
| Efficiency ratio | 56.3692% | 4,433 |
| Assets per employee ($millions) | 4.0938% | 3,741 |
| Cash dividends to net income (ytd only)* | 84.5771% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 1,323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 69.9327% | 2,594 |
| Net loans and leases to deposits | 89.2677% | 1,941 |
| Net loans and leases to core deposits | 104.7893% | 1,329 |
| Total domestic deposits to total assets | 78.3404% | 4,531 |
| Equity capital to assets | 12.9691% | 1,309 |
| Core capital (leverage) ratio | 9.7060% | 3,875 |
| Tier 1 risk-based capital ratio | 11.7567% | 4,647 |
| Total risk-based capital ratio | 13.0077% | 4,524 |
| Memoranda: | ||
| Average total assets | $106,725,330 | 4,071 |
| Average earning assets | $92,898,330 | 4,161 |
| Average equity | $13,780,000 | 3,824 |
| Average total loans | $76,736,670 | 3,785 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8756% | 915 |
| Cost of funding earning assets | 0.3919% | 3,648 |
| Net interest margin | 4.4837% | 640 |
| Noninterest income to average assets | 0.5015% | 2,788 |
| Noninterest expense to average assets | 2.4254% | 3,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9725% | 394 |
| Return on assets (ROA) | 1.9725% | 396 |
| Pretax return on assets | 1.9725% | 607 |
| Return on Equity (ROE) | 15.3109% | 751 |
| Retained earnings to average equity (ytd only) | 0.2034% | 4,776 |
| Net charge-offs to loans | 0.0103% | 2,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 263.5000% | 259 |
| Efficiency ratio | 55.1489% | 4,681 |
| Assets per employee ($millions) | 4.4326% | 3,277 |
| Cash dividends to net income (ytd only)* | 98.6717% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4926% | 1,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 71.4043% | 2,270 |
| Net loans and leases to deposits | 87.2896% | 2,019 |
| Net loans and leases to core deposits | 101.0388% | 1,610 |
| Total domestic deposits to total assets | 81.8016% | 4,015 |
| Equity capital to assets | 12.8630% | 1,313 |
| Core capital (leverage) ratio | 9.3062% | 4,317 |
| Tier 1 risk-based capital ratio | 11.4893% | 4,865 |
| Total risk-based capital ratio | 12.7412% | 4,761 |
| Memoranda: | ||
| Average total assets | $106,869,000 | 4,108 |
| Average earning assets | $92,870,500 | 4,211 |
| Average equity | $13,768,000 | 3,860 |
| Average total loans | $77,312,000 | 3,803 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7681% | 1,037 |
| Cost of funding earning assets | 0.2647% | 4,437 |
| Net interest margin | 4.5034% | 605 |
| Noninterest income to average assets | 0.4592% | 3,250 |
| Noninterest expense to average assets | 2.4241% | 4,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.9331% | 323 |
| Return on assets (ROA) | 1.9312% | 328 |
| Pretax return on assets | 1.9312% | 568 |
| Return on Equity (ROE) | 14.8694% | 631 |
| Retained earnings to average equity (ytd only) | 0.0072% | 5,008 |
| Net charge-offs to loans | 0.0039% | 3,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 689.0000% | 122 |
| Efficiency ratio | 55.6343% | 4,799 |
| Assets per employee ($millions) | 4.4731% | 3,238 |
| Cash dividends to net income (ytd only)* | 99.9516% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 1,448 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 71.1266% | 2,359 |
| Net loans and leases to deposits | 91.9721% | 1,527 |
| Net loans and leases to core deposits | 108.1711% | 1,115 |
| Total domestic deposits to total assets | 77.3350% | 4,822 |
| Equity capital to assets | 12.9030% | 1,315 |
| Core capital (leverage) ratio | 9.4660% | 4,090 |
| Tier 1 risk-based capital ratio | 11.3695% | 4,940 |
| Total risk-based capital ratio | 12.6209% | 4,813 |
| Memoranda: | ||
| Average total assets | $106,926,600 | 4,117 |
| Average earning assets | $92,551,800 | 4,229 |
| Average equity | $13,887,600 | 3,853 |
| Average total loans | $77,600,800 | 3,797 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7338% | 1,065 |
| Cost of funding earning assets | 0.2435% | 4,627 |
| Net interest margin | 4.4902% | 614 |
| Noninterest income to average assets | 0.4556% | 3,305 |
| Noninterest expense to average assets | 2.4726% | 3,818 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.8723% | 413 |
| Return on assets (ROA) | 1.8698% | 421 |
| Pretax return on assets | 1.8698% | 746 |
| Return on Equity (ROE) | 14.3725% | 760 |
| Retained earnings to average equity (ytd only) | 1.5639% | 4,800 |
| Net charge-offs to loans | 0.0241% | 2,968 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 107.1210% | 664 |
| Efficiency ratio | 56.9089% | 4,623 |
| Assets per employee ($millions) | 4.3454% | 3,397 |
| Cash dividends to net income (ytd only)* | 89.1192% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4788% | 1,611 |
| Loan loss allowance to noncurrent loans | 521.4612% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 4,033 |
| Noncurrent loans to loans | 0.2836% | 3,935 |
| Net loans and leases to total assets | 70.0379% | 2,552 |
| Net loans and leases to deposits | 94.9460% | 1,204 |
| Net loans and leases to core deposits | 114.3173% | 822 |
| Total domestic deposits to total assets | 73.7660% | 5,256 |
| Equity capital to assets | 13.0217% | 1,380 |
| Core capital (leverage) ratio | 9.7862% | 3,837 |
| Tier 1 risk-based capital ratio | 11.8859% | 4,707 |
| Total risk-based capital ratio | 13.1376% | 4,585 |
| Memoranda: | ||
| Average total assets | $106,819,500 | 4,161 |
| Average earning assets | $92,524,250 | 4,265 |
| Average equity | $13,896,500 | 3,897 |
| Average total loans | $77,623,250 | 3,830 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7388% | 985 |
| Cost of funding earning assets | 0.2106% | 4,888 |
| Net interest margin | 4.5282% | 535 |
| Noninterest income to average assets | 0.4500% | 3,350 |
| Noninterest expense to average assets | 2.4441% | 3,931 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9338% | 349 |
| Return on assets (ROA) | 1.9338% | 358 |
| Pretax return on assets | 1.9338% | 608 |
| Return on Equity (ROE) | 14.8697% | 683 |
| Retained earnings to average equity (ytd only) | 2.2008% | 4,360 |
| Net charge-offs to loans | 0.0309% | 2,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 85.5833% | 728 |
| Efficiency ratio | 55.8280% | 4,850 |
| Assets per employee ($millions) | 3.9803% | 3,984 |
| Cash dividends to net income (ytd only)* | 85.1996% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 1,565 |
| Loan loss allowance to noncurrent loans | 452.1739% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 4,157 |
| Noncurrent loans to loans | 0.3326% | 3,850 |
| Net loans and leases to total assets | 72.4000% | 2,135 |
| Net loans and leases to deposits | 96.4274% | 1,039 |
| Net loans and leases to core deposits | 116.8382% | 688 |
| Total domestic deposits to total assets | 75.0824% | 5,195 |
| Equity capital to assets | 13.6043% | 1,111 |
| Core capital (leverage) ratio | 9.8304% | 3,740 |
| Tier 1 risk-based capital ratio | 12.3380% | 4,394 |
| Total risk-based capital ratio | 13.5898% | 4,280 |
| Memoranda: | ||
| Average total assets | $106,214,670 | 4,203 |
| Average earning assets | $92,133,670 | 4,305 |
| Average equity | $13,813,330 | 3,915 |
| Average total loans | $77,755,330 | 3,841 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7556% | 838 |
| Cost of funding earning assets | 0.1974% | 5,001 |
| Net interest margin | 4.5582% | 468 |
| Noninterest income to average assets | 0.4722% | 3,175 |
| Noninterest expense to average assets | 2.3611% | 4,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.0599% | 277 |
| Return on assets (ROA) | 2.0599% | 286 |
| Pretax return on assets | 2.0599% | 453 |
| Return on Equity (ROE) | 16.1982% | 503 |
| Retained earnings to average equity (ytd only) | 0.5555% | 4,791 |
| Net charge-offs to loans | 0.0051% | 2,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 554.0000% | 101 |
| Efficiency ratio | 53.4062% | 5,176 |
| Assets per employee ($millions) | 4.2380% | 3,607 |
| Cash dividends to net income (ytd only)* | 96.5704% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 1,693 |
| Loan loss allowance to noncurrent loans | 10,500.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 5,318 |
| Noncurrent loans to loans | 0.0143% | 5,182 |
| Net loans and leases to total assets | 71.6713% | 2,117 |
| Net loans and leases to deposits | 92.4965% | 1,273 |
| Net loans and leases to core deposits | 112.0713% | 768 |
| Total domestic deposits to total assets | 77.4854% | 5,041 |
| Equity capital to assets | 12.9156% | 1,292 |
| Core capital (leverage) ratio | 9.3034% | 4,340 |
| Tier 1 risk-based capital ratio | 12.1354% | 4,630 |
| Total risk-based capital ratio | 13.3872% | 4,523 |
| Memoranda: | ||
| Average total assets | $107,577,500 | 4,212 |
| Average earning assets | $93,194,500 | 4,330 |
| Average equity | $13,680,500 | 3,966 |
| Average total loans | $78,598,000 | 3,847 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 1,434 |
| Cost of funding earning assets | 0.1353% | 5,517 |
| Net interest margin | 4.4001% | 774 |
| Noninterest income to average assets | 0.5548% | 2,890 |
| Noninterest expense to average assets | 2.4258% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.9318% | 365 |
| Return on assets (ROA) | 2.0235% | 315 |
| Pretax return on assets | 2.0235% | 471 |
| Return on Equity (ROE) | 15.5178% | 559 |
| Retained earnings to average equity (ytd only) | 0.0215% | 5,299 |
| Net charge-offs to loans | -0.0102% | 4,940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6677% | 5,094 |
| Assets per employee ($millions) | 4.7481% | 2,723 |
| Cash dividends to net income (ytd only)* | 99.8613% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 1,899 |
| Loan loss allowance to noncurrent loans | 11,560.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 5,373 |
| Noncurrent loans to loans | 0.0125% | 5,232 |
| Net loans and leases to total assets | 72.2946% | 2,126 |
| Net loans and leases to deposits | 96.7394% | 932 |
| Net loans and leases to core deposits | 117.8763% | 552 |
| Total domestic deposits to total assets | 74.7312% | 5,376 |
| Equity capital to assets | 12.5240% | 1,513 |
| Core capital (leverage) ratio | 9.5133% | 4,065 |
| Tier 1 risk-based capital ratio | 11.4943% | 5,060 |
| Total risk-based capital ratio | 12.7453% | 4,961 |
| Memoranda: | ||
| Average total assets | $106,893,600 | 4,227 |
| Average earning assets | $92,384,800 | 4,343 |
| Average equity | $13,938,800 | 3,947 |
| Average total loans | $78,064,600 | 3,846 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5386% | 1,430 |
| Cost of funding earning assets | 0.1351% | 5,587 |
| Net interest margin | 4.4036% | 770 |
| Noninterest income to average assets | 0.5669% | 2,836 |
| Noninterest expense to average assets | 2.4919% | 4,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.8774% | 421 |
| Return on assets (ROA) | 2.0003% | 356 |
| Pretax return on assets | 2.0003% | 569 |
| Return on Equity (ROE) | 15.1855% | 647 |
| Retained earnings to average equity (ytd only) | 1.9518% | 4,710 |
| Net charge-offs to loans | -0.0138% | 4,887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0321% | 4,950 |
| Assets per employee ($millions) | 4.2090% | 3,577 |
| Cash dividends to net income (ytd only)* | 87.1476% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 1,878 |
| Loan loss allowance to noncurrent loans | 5,504.7619% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 5,380 |
| Noncurrent loans to loans | 0.0267% | 5,277 |
| Net loans and leases to total assets | 73.5469% | 1,944 |
| Net loans and leases to deposits | 96.9884% | 953 |
| Net loans and leases to core deposits | 117.3236% | 601 |
| Total domestic deposits to total assets | 75.8306% | 5,258 |
| Equity capital to assets | 13.3876% | 1,297 |
| Core capital (leverage) ratio | 9.7336% | 3,895 |
| Tier 1 risk-based capital ratio | 12.0913% | 4,728 |
| Total risk-based capital ratio | 13.3423% | 4,641 |
| Memoranda: | ||
| Average total assets | $106,315,500 | 4,273 |
| Average earning assets | $91,801,750 | 4,387 |
| Average equity | $14,004,250 | 3,971 |
| Average total loans | $77,554,250 | 3,888 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5211% | 1,461 |
| Cost of funding earning assets | 0.1328% | 5,668 |
| Net interest margin | 4.3884% | 782 |
| Noninterest income to average assets | 0.5531% | 2,886 |
| Noninterest expense to average assets | 2.4841% | 4,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8485% | 443 |
| Return on assets (ROA) | 2.0341% | 327 |
| Pretax return on assets | 2.0341% | 535 |
| Return on Equity (ROE) | 15.5259% | 604 |
| Retained earnings to average equity (ytd only) | 2.7904% | 4,120 |
| Net charge-offs to loans | -0.0104% | 4,706 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3345% | 4,990 |
| Assets per employee ($millions) | 4.2165% | 3,530 |
| Cash dividends to net income (ytd only)* | 82.0276% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 1,837 |
| Loan loss allowance to noncurrent loans | 428.2528% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 4,478 |
| Noncurrent loans to loans | 0.3515% | 4,114 |
| Net loans and leases to total assets | 71.5121% | 2,247 |
| Net loans and leases to deposits | 92.9862% | 1,394 |
| Net loans and leases to core deposits | 111.1106% | 869 |
| Total domestic deposits to total assets | 76.9061% | 5,171 |
| Equity capital to assets | 13.3750% | 1,293 |
| Core capital (leverage) ratio | 9.5476% | 4,140 |
| Tier 1 risk-based capital ratio | 12.1597% | 4,722 |
| Total risk-based capital ratio | 13.4117% | 4,640 |
| Memoranda: | ||
| Average total assets | $106,679,330 | 4,298 |
| Average earning assets | $91,879,330 | 4,424 |
| Average equity | $13,976,670 | 3,997 |
| Average total loans | $77,224,000 | 3,918 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4883% | 1,540 |
| Cost of funding earning assets | 0.1335% | 5,731 |
| Net interest margin | 4.3548% | 823 |
| Noninterest income to average assets | 0.3877% | 3,921 |
| Noninterest expense to average assets | 2.4713% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6848% | 594 |
| Return on assets (ROA) | 2.0575% | 311 |
| Pretax return on assets | 2.0575% | 505 |
| Return on Equity (ROE) | 15.8672% | 549 |
| Retained earnings to average equity (ytd only) | 0.0575% | 5,091 |
| Net charge-offs to loans | -0.0103% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4619% | 4,816 |
| Assets per employee ($millions) | 4.2061% | 3,581 |
| Cash dividends to net income (ytd only)* | 99.6377% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 2,116 |
| Loan loss allowance to noncurrent loans | 433.9623% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 4,547 |
| Noncurrent loans to loans | 0.3387% | 4,228 |
| Net loans and leases to total assets | 73.3234% | 1,830 |
| Net loans and leases to deposits | 98.1541% | 747 |
| Net loans and leases to core deposits | 115.5279% | 612 |
| Total domestic deposits to total assets | 74.7023% | 5,547 |
| Equity capital to assets | 13.2066% | 1,313 |
| Core capital (leverage) ratio | 9.4289% | 4,311 |
| Tier 1 risk-based capital ratio | 11.8524% | 5,008 |
| Total risk-based capital ratio | 13.1044% | 4,910 |
| Memoranda: | ||
| Average total assets | $107,312,500 | 4,322 |
| Average earning assets | $92,863,000 | 4,447 |
| Average equity | $13,915,500 | 4,012 |
| Average total loans | $77,568,500 | 3,931 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3956% | 1,916 |
| Cost of funding earning assets | 0.0936% | 5,988 |
| Net interest margin | 4.3020% | 961 |
| Noninterest income to average assets | 0.4829% | 3,444 |
| Noninterest expense to average assets | 2.3380% | 4,682 |
| Loan and lease loss provision to assets | 0.0047% | 4,298 |
| Net operating income to assets | 1.9016% | 403 |
| Return on assets (ROA) | 1.9007% | 414 |
| Pretax return on assets | 1.9007% | 653 |
| Return on Equity (ROE) | 14.6734% | 740 |
| Retained earnings to average equity (ytd only) | 0.0215% | 5,498 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0855% | 5,432 |
| Assets per employee ($millions) | 4.3789% | 3,255 |
| Cash dividends to net income (ytd only)* | 99.8532% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 2,040 |
| Loan loss allowance to noncurrent loans | 363.2911% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 4,435 |
| Noncurrent loans to loans | 0.4110% | 3,978 |
| Net loans and leases to total assets | 69.1842% | 2,504 |
| Net loans and leases to deposits | 92.9894% | 1,306 |
| Net loans and leases to core deposits | 107.3887% | 1,012 |
| Total domestic deposits to total assets | 74.4001% | 5,610 |
| Equity capital to assets | 12.7374% | 1,496 |
| Core capital (leverage) ratio | 9.2861% | 4,497 |
| Tier 1 risk-based capital ratio | 12.1316% | 4,866 |
| Total risk-based capital ratio | 13.3832% | 4,769 |
| Memoranda: | ||
| Average total assets | $107,486,600 | 4,308 |
| Average earning assets | $93,980,200 | 4,432 |
| Average equity | $13,923,200 | 3,990 |
| Average total loans | $74,298,600 | 3,987 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 2,048 |
| Cost of funding earning assets | 0.0909% | 6,086 |
| Net interest margin | 4.2697% | 1,021 |
| Noninterest income to average assets | 0.4985% | 3,376 |
| Noninterest expense to average assets | 2.3852% | 4,551 |
| Loan and lease loss provision to assets | 0.0062% | 4,138 |
| Net operating income to assets | 1.8531% | 465 |
| Return on assets (ROA) | 1.8543% | 485 |
| Pretax return on assets | 1.8543% | 795 |
| Return on Equity (ROE) | 14.2546% | 851 |
| Retained earnings to average equity (ytd only) | 1.6094% | 5,062 |
| Net charge-offs to loans | 0.0018% | 4,120 |
| Credit loss provision to net charge-offs | 500.0000% | 644 |
| Earnings coverage of net charge-offs (x) | 1,495.6992% | 49 |
| Efficiency ratio | 56.1950% | 5,328 |
| Assets per employee ($millions) | 4.3195% | 3,289 |
| Cash dividends to net income (ytd only)* | 88.7099% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 2,066 |
| Loan loss allowance to noncurrent loans | 222.7184% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4769% | 3,901 |
| Noncurrent loans to loans | 0.6828% | 3,273 |
| Net loans and leases to total assets | 68.7845% | 2,570 |
| Net loans and leases to deposits | 88.9675% | 1,773 |
| Net loans and leases to core deposits | 103.2685% | 1,283 |
| Total domestic deposits to total assets | 77.3141% | 5,292 |
| Equity capital to assets | 13.0116% | 1,439 |
| Core capital (leverage) ratio | 9.6319% | 4,135 |
| Tier 1 risk-based capital ratio | 12.6138% | 4,674 |
| Total risk-based capital ratio | 13.8665% | 4,578 |
| Memoranda: | ||
| Average total assets | $106,990,000 | 4,366 |
| Average earning assets | $93,868,250 | 4,488 |
| Average equity | $13,918,000 | 4,039 |
| Average total loans | $73,651,750 | 4,041 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3248% | 2,098 |
| Cost of funding earning assets | 0.0898% | 6,164 |
| Net interest margin | 4.2350% | 1,039 |
| Noninterest income to average assets | 0.5194% | 3,228 |
| Noninterest expense to average assets | 2.4115% | 4,510 |
| Loan and lease loss provision to assets | 0.0094% | 3,918 |
| Net operating income to assets | 1.8133% | 503 |
| Return on assets (ROA) | 1.8152% | 518 |
| Pretax return on assets | 1.8152% | 869 |
| Return on Equity (ROE) | 13.9545% | 913 |
| Retained earnings to average equity (ytd only) | 2.1335% | 4,640 |
| Net charge-offs to loans | -0.0055% | 4,765 |
| Credit loss provision to net charge-offs | -250.0000% | 5,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9531% | 5,342 |
| Assets per employee ($millions) | 4.0075% | 3,873 |
| Cash dividends to net income (ytd only)* | 84.7107% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5822% | 1,960 |
| Loan loss allowance to noncurrent loans | 204.6263% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.5394% | 3,816 |
| Noncurrent loans to loans | 0.7732% | 3,179 |
| Net loans and leases to total assets | 68.6533% | 2,543 |
| Net loans and leases to deposits | 85.0198% | 2,184 |
| Net loans and leases to core deposits | 99.1242% | 1,561 |
| Total domestic deposits to total assets | 80.7497% | 4,679 |
| Equity capital to assets | 13.3633% | 1,237 |
| Core capital (leverage) ratio | 9.9131% | 3,722 |
| Tier 1 risk-based capital ratio | 12.9210% | 4,561 |
| Total risk-based capital ratio | 14.1739% | 4,480 |
| Memoranda: | ||
| Average total assets | $106,657,330 | 4,409 |
| Average earning assets | $93,554,000 | 4,524 |
| Average equity | $13,873,670 | 4,063 |
| Average total loans | $73,060,330 | 4,084 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2815% | 2,160 |
| Cost of funding earning assets | 0.0842% | 6,252 |
| Net interest margin | 4.1973% | 1,063 |
| Noninterest income to average assets | 0.5228% | 3,137 |
| Noninterest expense to average assets | 2.3877% | 4,632 |
| Loan and lease loss provision to assets | 0.0185% | 3,474 |
| Net operating income to assets | 1.8130% | 474 |
| Return on assets (ROA) | 1.8167% | 495 |
| Pretax return on assets | 1.8167% | 842 |
| Return on Equity (ROE) | 14.1532% | 849 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,366 |
| Net charge-offs to loans | -0.0109% | 4,756 |
| Credit loss provision to net charge-offs | -250.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5905% | 5,476 |
| Assets per employee ($millions) | 4.0294% | 3,899 |
| Cash dividends to net income (ytd only)* | 100.0000% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 2,117 |
| Loan loss allowance to noncurrent loans | 193.1092% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 3,778 |
| Noncurrent loans to loans | 0.8192% | 3,197 |
| Net loans and leases to total assets | 68.2308% | 2,405 |
| Net loans and leases to deposits | 80.9563% | 2,454 |
| Net loans and leases to core deposits | 93.5873% | 1,801 |
| Total domestic deposits to total assets | 84.2810% | 3,705 |
| Equity capital to assets | 13.1733% | 1,316 |
| Core capital (leverage) ratio | 9.0959% | 4,848 |
| Tier 1 risk-based capital ratio | 11.6510% | 5,469 |
| Total risk-based capital ratio | 12.9021% | 5,371 |
| Memoranda: | ||
| Average total assets | $107,888,000 | 4,418 |
| Average earning assets | $95,014,000 | 4,532 |
| Average equity | $13,848,500 | 4,095 |
| Average total loans | $73,248,500 | 4,096 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 2,673 |
| Cost of funding earning assets | 0.0971% | 6,334 |
| Net interest margin | 4.1852% | 1,346 |
| Noninterest income to average assets | 0.5789% | 2,992 |
| Noninterest expense to average assets | 2.2905% | 5,139 |
| Loan and lease loss provision to assets | 0.0947% | 2,572 |
| Net operating income to assets | 1.8874% | 399 |
| Return on assets (ROA) | 1.9424% | 373 |
| Pretax return on assets | 1.9424% | 570 |
| Return on Equity (ROE) | 16.2353% | 593 |
| Retained earnings to average equity (ytd only) | 7.1152% | 1,347 |
| Net charge-offs to loans | -0.0014% | 5,359 |
| Credit loss provision to net charge-offs | -10,500.0000% | 6,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6091% | 5,874 |
| Assets per employee ($millions) | 4.2697% | 3,420 |
| Cash dividends to net income (ytd only)* | 56.1746% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5474% | 2,264 |
| Loan loss allowance to noncurrent loans | 185.8537% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.5540% | 3,950 |
| Noncurrent loans to loans | 0.8326% | 3,230 |
| Net loans and leases to total assets | 65.5097% | 2,978 |
| Net loans and leases to deposits | 80.7755% | 2,625 |
| Net loans and leases to core deposits | 91.9148% | 2,099 |
| Total domestic deposits to total assets | 81.1010% | 4,718 |
| Equity capital to assets | 12.5177% | 1,640 |
| Core capital (leverage) ratio | 8.5905% | 5,458 |
| Tier 1 risk-based capital ratio | 11.6364% | 5,585 |
| Total risk-based capital ratio | 12.8880% | 5,490 |
| Memoranda: | ||
| Average total assets | $110,892,200 | 4,368 |
| Average earning assets | $97,869,600 | 4,453 |
| Average equity | $13,267,400 | 4,141 |
| Average total loans | $73,218,200 | 4,089 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1887% | 3,030 |
| Cost of funding earning assets | 0.1009% | 6,413 |
| Net interest margin | 4.0878% | 1,613 |
| Noninterest income to average assets | 0.5953% | 2,907 |
| Noninterest expense to average assets | 2.2694% | 5,181 |
| Loan and lease loss provision to assets | 0.0541% | 3,292 |
| Net operating income to assets | 1.8762% | 442 |
| Return on assets (ROA) | 1.8749% | 458 |
| Pretax return on assets | 1.8749% | 755 |
| Return on Equity (ROE) | 15.8548% | 690 |
| Retained earnings to average equity (ytd only) | 7.6172% | 1,526 |
| Net charge-offs to loans | -0.0018% | 5,183 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0378% | 5,820 |
| Assets per employee ($millions) | 4.5061% | 2,960 |
| Cash dividends to net income (ytd only)* | 51.9564% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 2,949 |
| Loan loss allowance to noncurrent loans | 167.1296% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5752% | 4,123 |
| Noncurrent loans to loans | 0.8668% | 3,398 |
| Net loans and leases to total assets | 65.3991% | 2,968 |
| Net loans and leases to deposits | 80.4161% | 2,630 |
| Net loans and leases to core deposits | 96.0147% | 1,675 |
| Total domestic deposits to total assets | 81.3258% | 4,724 |
| Equity capital to assets | 12.1941% | 1,915 |
| Core capital (leverage) ratio | 8.3773% | 5,781 |
| Tier 1 risk-based capital ratio | 11.2630% | 5,886 |
| Total risk-based capital ratio | 12.5137% | 5,835 |
| Memoranda: | ||
| Average total assets | $110,862,500 | 4,405 |
| Average earning assets | $97,751,500 | 4,504 |
| Average equity | $13,110,250 | 4,196 |
| Average total loans | $73,056,250 | 4,111 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1486% | 3,157 |
| Cost of funding earning assets | 0.1030% | 6,473 |
| Net interest margin | 4.0455% | 1,675 |
| Noninterest income to average assets | 0.5514% | 3,108 |
| Noninterest expense to average assets | 2.2781% | 5,207 |
| Loan and lease loss provision to assets | 0.0544% | 3,214 |
| Net operating income to assets | 1.7793% | 506 |
| Return on assets (ROA) | 1.7775% | 529 |
| Pretax return on assets | 1.7775% | 883 |
| Return on Equity (ROE) | 15.1922% | 763 |
| Retained earnings to average equity (ytd only) | 2.6354% | 4,523 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4036% | 5,800 |
| Assets per employee ($millions) | 4.7854% | 2,494 |
| Cash dividends to net income (ytd only)* | 82.6531% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4585% | 3,080 |
| Loan loss allowance to noncurrent loans | 155.0872% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.5990% | 4,181 |
| Noncurrent loans to loans | 0.9405% | 3,364 |
| Net loans and leases to total assets | 62.7680% | 3,281 |
| Net loans and leases to deposits | 80.5131% | 2,449 |
| Net loans and leases to core deposits | 96.8170% | 1,534 |
| Total domestic deposits to total assets | 77.9599% | 5,642 |
| Equity capital to assets | 11.3661% | 2,537 |
| Core capital (leverage) ratio | 8.4101% | 5,734 |
| Tier 1 risk-based capital ratio | 10.7198% | 6,162 |
| Total risk-based capital ratio | 11.9708% | 6,116 |
| Memoranda: | ||
| Average total assets | $110,265,670 | 4,441 |
| Average earning assets | $97,045,000 | 4,556 |
| Average equity | $12,901,330 | 4,239 |
| Average total loans | $72,489,330 | 4,148 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 2,728 |
| Cost of funding earning assets | 0.1095% | 6,535 |
| Net interest margin | 4.1285% | 1,397 |
| Noninterest income to average assets | 0.5409% | 3,107 |
| Noninterest expense to average assets | 2.2969% | 5,201 |
| Loan and lease loss provision to assets | 0.0556% | 3,004 |
| Net operating income to assets | 1.8190% | 467 |
| Return on assets (ROA) | 1.8190% | 488 |
| Pretax return on assets | 1.8190% | 779 |
| Return on Equity (ROE) | 15.3138% | 730 |
| Retained earnings to average equity (ytd only) | 0.0312% | 5,537 |
| Net charge-offs to loans | -0.0055% | 4,848 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0622% | 5,916 |
| Assets per employee ($millions) | 4.5419% | 2,913 |
| Cash dividends to net income (ytd only)* | 99.7963% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 3,194 |
| Loan loss allowance to noncurrent loans | 147.6858% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 4,164 |
| Noncurrent loans to loans | 1.0068% | 3,407 |
| Net loans and leases to total assets | 64.0007% | 2,892 |
| Net loans and leases to deposits | 83.5757% | 1,865 |
| Net loans and leases to core deposits | 100.3582% | 1,079 |
| Total domestic deposits to total assets | 76.5781% | 6,016 |
| Equity capital to assets | 11.7930% | 2,015 |
| Core capital (leverage) ratio | 8.3336% | 5,817 |
| Tier 1 risk-based capital ratio | 10.9270% | 6,182 |
| Total risk-based capital ratio | 12.1780% | 6,138 |
| Memoranda: | ||
| Average total assets | $107,973,500 | 4,531 |
| Average earning assets | $94,950,000 | 4,657 |
| Average equity | $12,825,000 | 4,268 |
| Average total loans | $72,156,000 | 4,196 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3964% | 2,604 |
| Cost of funding earning assets | 0.1305% | 6,606 |
| Net interest margin | 4.2659% | 1,179 |
| Noninterest income to average assets | 0.5449% | 3,440 |
| Noninterest expense to average assets | 2.3621% | 5,198 |
| Loan and lease loss provision to assets | 0.0483% | 4,165 |
| Net operating income to assets | 1.8597% | 430 |
| Return on assets (ROA) | 1.8588% | 443 |
| Pretax return on assets | 1.8588% | 667 |
| Return on Equity (ROE) | 15.3471% | 706 |
| Retained earnings to average equity (ytd only) | 3.6613% | 3,618 |
| Net charge-offs to loans | -0.0116% | 6,041 |
| Credit loss provision to net charge-offs | -625.0000% | 6,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3167% | 6,019 |
| Assets per employee ($millions) | 4.2777% | 3,305 |
| Cash dividends to net income (ytd only)* | 76.1435% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 3,595 |
| Loan loss allowance to noncurrent loans | 144.2281% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.6723% | 4,228 |
| Noncurrent loans to loans | 0.9783% | 3,566 |
| Net loans and leases to total assets | 67.7545% | 2,401 |
| Net loans and leases to deposits | 88.8183% | 1,375 |
| Net loans and leases to core deposits | 107.1468% | 727 |
| Total domestic deposits to total assets | 76.2843% | 6,069 |
| Equity capital to assets | 11.9644% | 1,832 |
| Core capital (leverage) ratio | 8.2763% | 5,899 |
| Tier 1 risk-based capital ratio | 10.6873% | 6,305 |
| Total risk-based capital ratio | 11.9379% | 6,257 |
| Memoranda: | ||
| Average total assets | $103,509,600 | 4,662 |
| Average earning assets | $90,392,200 | 4,764 |
| Average equity | $12,536,600 | 4,348 |
| Average total loans | $69,189,600 | 4,298 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3680% | 2,700 |
| Cost of funding earning assets | 0.1339% | 6,689 |
| Net interest margin | 4.2342% | 1,234 |
| Noninterest income to average assets | 0.5429% | 3,502 |
| Noninterest expense to average assets | 2.3574% | 5,162 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8834% | 452 |
| Return on assets (ROA) | 1.8820% | 459 |
| Pretax return on assets | 1.8820% | 735 |
| Return on Equity (ROE) | 15.4903% | 715 |
| Retained earnings to average equity (ytd only) | 1.9670% | 5,149 |
| Net charge-offs to loans | -0.0157% | 5,986 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5896% | 5,961 |
| Assets per employee ($millions) | 4.1557% | 3,517 |
| Cash dividends to net income (ytd only)* | 87.3014% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 3,864 |
| Loan loss allowance to noncurrent loans | 111.5254% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.8518% | 3,986 |
| Noncurrent loans to loans | 1.2615% | 3,292 |
| Net loans and leases to total assets | 66.5739% | 2,549 |
| Net loans and leases to deposits | 86.5504% | 1,551 |
| Net loans and leases to core deposits | 105.2419% | 804 |
| Total domestic deposits to total assets | 76.9193% | 6,057 |
| Equity capital to assets | 11.8979% | 1,983 |
| Core capital (leverage) ratio | 8.3245% | 5,946 |
| Tier 1 risk-based capital ratio | 10.7209% | 6,386 |
| Total risk-based capital ratio | 11.9706% | 6,357 |
| Memoranda: | ||
| Average total assets | $102,651,500 | 4,721 |
| Average earning assets | $89,649,250 | 4,821 |
| Average equity | $12,472,000 | 4,402 |
| Average total loans | $68,113,250 | 4,371 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 2,773 |
| Cost of funding earning assets | 0.1366% | 6,746 |
| Net interest margin | 4.2091% | 1,256 |
| Noninterest income to average assets | 0.5301% | 3,633 |
| Noninterest expense to average assets | 2.3690% | 5,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8388% | 475 |
| Return on assets (ROA) | 1.8388% | 509 |
| Pretax return on assets | 1.8388% | 845 |
| Return on Equity (ROE) | 15.0292% | 807 |
| Retained earnings to average equity (ytd only) | 2.7980% | 4,535 |
| Net charge-offs to loans | -0.0208% | 5,981 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2994% | 5,929 |
| Assets per employee ($millions) | 4.2540% | 3,242 |
| Cash dividends to net income (ytd only)* | 81.3830% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 3,928 |
| Loan loss allowance to noncurrent loans | 130.0792% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.7424% | 4,355 |
| Noncurrent loans to loans | 1.0950% | 3,743 |
| Net loans and leases to total assets | 66.8374% | 2,444 |
| Net loans and leases to deposits | 85.4590% | 1,632 |
| Net loans and leases to core deposits | 103.2235% | 875 |
| Total domestic deposits to total assets | 78.2099% | 5,945 |
| Equity capital to assets | 12.2628% | 1,732 |
| Core capital (leverage) ratio | 8.5820% | 5,577 |
| Tier 1 risk-based capital ratio | 10.8134% | 6,409 |
| Total risk-based capital ratio | 12.0639% | 6,378 |
| Memoranda: | ||
| Average total assets | $102,238,000 | 4,766 |
| Average earning assets | $89,330,670 | 4,862 |
| Average equity | $12,509,000 | 4,425 |
| Average total loans | $67,433,670 | 4,403 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2845% | 2,953 |
| Cost of funding earning assets | 0.1384% | 6,824 |
| Net interest margin | 4.1462% | 1,339 |
| Noninterest income to average assets | 0.5317% | 3,557 |
| Noninterest expense to average assets | 2.3185% | 5,372 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8454% | 441 |
| Return on assets (ROA) | 1.8454% | 487 |
| Pretax return on assets | 1.8454% | 814 |
| Return on Equity (ROE) | 15.0998% | 747 |
| Retained earnings to average equity (ytd only) | 0.3839% | 5,666 |
| Net charge-offs to loans | -0.0481% | 6,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6808% | 6,092 |
| Assets per employee ($millions) | 4.3646% | 3,213 |
| Cash dividends to net income (ytd only)* | 97.4576% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4534% | 4,005 |
| Loan loss allowance to noncurrent loans | 125.0951% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.7532% | 4,491 |
| Noncurrent loans to loans | 1.1618% | 3,835 |
| Net loans and leases to total assets | 63.8883% | 2,730 |
| Net loans and leases to deposits | 77.2435% | 2,458 |
| Net loans and leases to core deposits | 86.6362% | 2,047 |
| Total domestic deposits to total assets | 82.7103% | 4,948 |
| Equity capital to assets | 11.9389% | 2,084 |
| Core capital (leverage) ratio | 8.3920% | 5,721 |
| Tier 1 risk-based capital ratio | 10.3141% | 6,632 |
| Total risk-based capital ratio | 11.5441% | 6,629 |
| Memoranda: | ||
| Average total assets | $102,308,500 | 4,804 |
| Average earning assets | $89,625,000 | 4,893 |
| Average equity | $12,503,500 | 4,472 |
| Average total loans | $66,538,000 | 4,473 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 3,609 |
| Cost of funding earning assets | 0.1935% | 6,853 |
| Net interest margin | 4.2575% | 1,503 |
| Noninterest income to average assets | 0.6483% | 3,000 |
| Noninterest expense to average assets | 2.4406% | 5,281 |
| Loan and lease loss provision to assets | 0.1158% | 4,181 |
| Net operating income to assets | 1.7734% | 536 |
| Return on assets (ROA) | 1.7723% | 601 |
| Pretax return on assets | 1.7723% | 969 |
| Return on Equity (ROE) | 14.6575% | 882 |
| Retained earnings to average equity (ytd only) | 8.9999% | 821 |
| Net charge-offs to loans | 0.1164% | 4,525 |
| Credit loss provision to net charge-offs | 164.1791% | 1,635 |
| Earnings coverage of net charge-offs (x) | 26.7910% | 1,087 |
| Efficiency ratio | 56.3685% | 6,021 |
| Assets per employee ($millions) | 4.1611% | 3,633 |
| Cash dividends to net income (ytd only)* | 38.5986% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 3,737 |
| Loan loss allowance to noncurrent loans | 121.4640% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.8071% | 4,453 |
| Noncurrent loans to loans | 1.2368% | 3,778 |
| Net loans and leases to total assets | 64.2725% | 2,851 |
| Net loans and leases to deposits | 73.5339% | 3,166 |
| Net loans and leases to core deposits | 82.6439% | 2,703 |
| Total domestic deposits to total assets | 87.4052% | 2,573 |
| Equity capital to assets | 12.5176% | 1,701 |
| Core capital (leverage) ratio | 8.2651% | 5,927 |
| Tier 1 risk-based capital ratio | 9.6599% | 6,780 |
| Total risk-based capital ratio | 10.8040% | 6,779 |
| Memoranda: | ||
| Average total assets | $95,016,400 | 4,966 |
| Average earning assets | $82,161,200 | 5,066 |
| Average equity | $11,489,000 | 4,673 |
| Average total loans | $57,576,200 | 4,815 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 4,025 |
| Cost of funding earning assets | 0.2059% | 6,936 |
| Net interest margin | 4.1992% | 1,739 |
| Noninterest income to average assets | 0.6325% | 3,091 |
| Noninterest expense to average assets | 2.4874% | 5,122 |
| Loan and lease loss provision to assets | 0.0355% | 5,329 |
| Net operating income to assets | 1.7326% | 648 |
| Return on assets (ROA) | 1.7312% | 715 |
| Pretax return on assets | 1.7312% | 1,202 |
| Return on Equity (ROE) | 14.4532% | 1,009 |
| Retained earnings to average equity (ytd only) | 6.7400% | 2,257 |
| Net charge-offs to loans | 0.1580% | 3,854 |
| Credit loss provision to net charge-offs | 37.8788% | 4,657 |
| Earnings coverage of net charge-offs (x) | 18.8481% | 1,530 |
| Efficiency ratio | 58.4502% | 5,724 |
| Assets per employee ($millions) | 3.8661% | 4,161 |
| Cash dividends to net income (ytd only)* | 53.3665% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 3,550 |
| Loan loss allowance to noncurrent loans | 111.0422% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.8339% | 4,620 |
| Noncurrent loans to loans | 1.4327% | 3,655 |
| Net loans and leases to total assets | 57.2797% | 4,245 |
| Net loans and leases to deposits | 65.3146% | 4,560 |
| Net loans and leases to core deposits | 74.4363% | 3,921 |
| Total domestic deposits to total assets | 87.6981% | 2,225 |
| Equity capital to assets | 12.0422% | 2,219 |
| Core capital (leverage) ratio | 7.9834% | 6,341 |
| Tier 1 risk-based capital ratio | 10.2518% | 6,740 |
| Total risk-based capital ratio | 11.4752% | 6,724 |
| Memoranda: | ||
| Average total assets | $93,803,750 | 5,040 |
| Average earning assets | $80,934,250 | 5,148 |
| Average equity | $11,236,000 | 4,760 |
| Average total loans | $55,678,750 | 4,929 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4731% | 3,885 |
| Cost of funding earning assets | 0.2230% | 6,986 |
| Net interest margin | 4.2501% | 1,599 |
| Noninterest income to average assets | 0.6483% | 2,964 |
| Noninterest expense to average assets | 2.5352% | 5,014 |
| Loan and lease loss provision to assets | 0.0538% | 4,986 |
| Net operating income to assets | 1.7124% | 656 |
| Return on assets (ROA) | 1.7102% | 738 |
| Pretax return on assets | 1.7102% | 1,232 |
| Return on Equity (ROE) | 14.3042% | 1,048 |
| Retained earnings to average equity (ytd only) | 2.5942% | 4,893 |
| Net charge-offs to loans | 0.2343% | 3,166 |
| Credit loss provision to net charge-offs | 38.4615% | 4,299 |
| Earnings coverage of net charge-offs (x) | 12.6154% | 1,862 |
| Efficiency ratio | 58.9384% | 5,741 |
| Assets per employee ($millions) | 4.0702% | 3,721 |
| Cash dividends to net income (ytd only)* | 81.8640% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 3,408 |
| Loan loss allowance to noncurrent loans | 106.7938% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.8589% | 4,663 |
| Noncurrent loans to loans | 1.5495% | 3,586 |
| Net loans and leases to total assets | 54.5130% | 4,704 |
| Net loans and leases to deposits | 61.7117% | 5,039 |
| Net loans and leases to core deposits | 66.2557% | 4,967 |
| Total domestic deposits to total assets | 88.3350% | 1,936 |
| Equity capital to assets | 11.4624% | 2,626 |
| Core capital (leverage) ratio | 8.0644% | 6,203 |
| Tier 1 risk-based capital ratio | 10.0901% | 6,804 |
| Total risk-based capital ratio | 11.3407% | 6,784 |
| Memoranda: | ||
| Average total assets | $92,854,330 | 5,095 |
| Average earning assets | $79,810,670 | 5,211 |
| Average equity | $11,101,670 | 4,790 |
| Average total loans | $55,486,000 | 4,969 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7501% | 2,847 |
| Cost of funding earning assets | 0.2495% | 7,008 |
| Net interest margin | 4.5007% | 1,008 |
| Noninterest income to average assets | 0.6192% | 3,110 |
| Noninterest expense to average assets | 2.6316% | 4,699 |
| Loan and lease loss provision to assets | 0.1106% | 3,971 |
| Net operating income to assets | 1.7072% | 706 |
| Return on assets (ROA) | 1.7072% | 787 |
| Pretax return on assets | 1.7072% | 1,282 |
| Return on Equity (ROE) | 13.9678% | 1,188 |
| Retained earnings to average equity (ytd only) | 0.5790% | 5,818 |
| Net charge-offs to loans | 0.4986% | 1,843 |
| Credit loss provision to net charge-offs | 35.7143% | 3,520 |
| Earnings coverage of net charge-offs (x) | 5.8714% | 2,289 |
| Efficiency ratio | 59.1451% | 5,751 |
| Assets per employee ($millions) | 3.6925% | 4,669 |
| Cash dividends to net income (ytd only)* | 95.8549% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6205% | 3,641 |
| Loan loss allowance to noncurrent loans | 101.4790% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 1.9228% | 3,016 |
| Noncurrent loans to loans | 1.5969% | 3,724 |
| Net loans and leases to total assets | 61.1058% | 3,427 |
| Net loans and leases to deposits | 70.2798% | 3,695 |
| Net loans and leases to core deposits | 76.1235% | 3,602 |
| Total domestic deposits to total assets | 86.9465% | 2,984 |
| Equity capital to assets | 12.4769% | 1,736 |
| Core capital (leverage) ratio | 8.0385% | 6,221 |
| Tier 1 risk-based capital ratio | 10.2430% | 6,814 |
| Total risk-based capital ratio | 11.4933% | 6,817 |
| Memoranda: | ||
| Average total assets | $90,439,000 | 5,190 |
| Average earning assets | $76,966,500 | 5,330 |
| Average equity | $11,054,000 | 4,816 |
| Average total loans | $56,155,500 | 4,976 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1326% | 2,318 |
| Cost of funding earning assets | 0.3732% | 6,957 |
| Net interest margin | 4.7594% | 676 |
| Noninterest income to average assets | 0.6983% | 2,609 |
| Noninterest expense to average assets | 2.9107% | 3,915 |
| Loan and lease loss provision to assets | 0.0697% | 5,743 |
| Net operating income to assets | 1.7778% | 480 |
| Return on assets (ROA) | 1.7766% | 524 |
| Pretax return on assets | 1.7766% | 846 |
| Return on Equity (ROE) | 13.9324% | 946 |
| Retained earnings to average equity (ytd only) | 1.1299% | 5,330 |
| Net charge-offs to loans | -0.0086% | 6,873 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1722% | 5,583 |
| Assets per employee ($millions) | 3.5484% | 4,892 |
| Cash dividends to net income (ytd only)* | 91.8901% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6362% | 3,437 |
| Loan loss allowance to noncurrent loans | 59.9488% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 1.6942% | 3,411 |
| Noncurrent loans to loans | 2.7293% | 2,385 |
| Net loans and leases to total assets | 61.0570% | 3,771 |
| Net loans and leases to deposits | 69.7801% | 4,144 |
| Net loans and leases to core deposits | 75.2934% | 4,068 |
| Total domestic deposits to total assets | 87.4992% | 2,474 |
| Equity capital to assets | 11.9784% | 2,145 |
| Core capital (leverage) ratio | 7.8941% | 6,365 |
| Tier 1 risk-based capital ratio | 10.0165% | 6,854 |
| Total risk-based capital ratio | 11.2680% | 6,841 |
| Memoranda: | ||
| Average total assets | $86,062,000 | 5,288 |
| Average earning assets | $73,412,400 | 5,421 |
| Average equity | $10,974,400 | 4,784 |
| Average total loans | $58,073,000 | 4,947 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2804% | 1,940 |
| Cost of funding earning assets | 0.4035% | 7,011 |
| Net interest margin | 4.8770% | 536 |
| Noninterest income to average assets | 0.7005% | 2,606 |
| Noninterest expense to average assets | 2.9896% | 3,587 |
| Loan and lease loss provision to assets | 0.0710% | 5,566 |
| Net operating income to assets | 1.7969% | 522 |
| Return on assets (ROA) | 1.7953% | 570 |
| Pretax return on assets | 1.7953% | 965 |
| Return on Equity (ROE) | 13.8500% | 1,068 |
| Retained earnings to average equity (ytd only) | 1.6187% | 5,328 |
| Net charge-offs to loans | -0.0091% | 6,771 |
| Credit loss provision to net charge-offs | -1,125.0000% | 6,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5460% | 5,481 |
| Assets per employee ($millions) | 3.3778% | 5,303 |
| Cash dividends to net income (ytd only)* | 88.3128% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5867% | 3,727 |
| Loan loss allowance to noncurrent loans | 138.5542% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.7561% | 5,267 |
| Noncurrent loans to loans | 1.1452% | 4,628 |
| Net loans and leases to total assets | 64.9731% | 3,110 |
| Net loans and leases to deposits | 74.6348% | 3,569 |
| Net loans and leases to core deposits | 81.2386% | 3,448 |
| Total domestic deposits to total assets | 87.0548% | 2,620 |
| Equity capital to assets | 12.6378% | 1,828 |
| Core capital (leverage) ratio | 8.2731% | 6,018 |
| Tier 1 risk-based capital ratio | 9.9307% | 6,972 |
| Total risk-based capital ratio | 11.0827% | 6,986 |
| Memoranda: | ||
| Average total assets | $84,513,000 | 5,366 |
| Average earning assets | $72,037,750 | 5,514 |
| Average equity | $10,955,250 | 4,815 |
| Average total loans | $58,274,500 | 4,982 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3711% | 1,646 |
| Cost of funding earning assets | 0.4288% | 7,066 |
| Net interest margin | 4.9423% | 439 |
| Noninterest income to average assets | 0.7002% | 2,552 |
| Noninterest expense to average assets | 3.0212% | 3,558 |
| Loan and lease loss provision to assets | 0.0719% | 5,412 |
| Net operating income to assets | 1.8080% | 495 |
| Return on assets (ROA) | 1.8056% | 533 |
| Pretax return on assets | 1.8056% | 873 |
| Return on Equity (ROE) | 13.8072% | 1,014 |
| Retained earnings to average equity (ytd only) | 2.3470% | 4,791 |
| Net charge-offs to loans | -0.0069% | 6,627 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6438% | 5,636 |
| Assets per employee ($millions) | 3.1300% | 5,805 |
| Cash dividends to net income (ytd only)* | 83.0013% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 3,888 |
| Loan loss allowance to noncurrent loans | 130.4473% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 5,242 |
| Noncurrent loans to loans | 1.1909% | 4,662 |
| Net loans and leases to total assets | 67.7861% | 2,665 |
| Net loans and leases to deposits | 78.2008% | 3,093 |
| Net loans and leases to core deposits | 86.0939% | 2,886 |
| Total domestic deposits to total assets | 86.6820% | 2,939 |
| Equity capital to assets | 13.0588% | 1,492 |
| Core capital (leverage) ratio | 8.5598% | 5,459 |
| Tier 1 risk-based capital ratio | 10.2639% | 6,888 |
| Total risk-based capital ratio | 11.5145% | 6,885 |
| Memoranda: | ||
| Average total assets | $83,409,330 | 5,444 |
| Average earning assets | $70,897,670 | 5,597 |
| Average equity | $10,907,330 | 4,822 |
| Average total loans | $58,372,000 | 5,036 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4248% | 1,490 |
| Cost of funding earning assets | 0.4544% | 7,102 |
| Net interest margin | 4.9704% | 404 |
| Noninterest income to average assets | 0.7048% | 2,550 |
| Noninterest expense to average assets | 3.0172% | 3,569 |
| Loan and lease loss provision to assets | 0.0724% | 5,094 |
| Net operating income to assets | 1.8393% | 456 |
| Return on assets (ROA) | 1.8393% | 481 |
| Pretax return on assets | 1.8393% | 756 |
| Return on Equity (ROE) | 14.0552% | 982 |
| Retained earnings to average equity (ytd only) | 0.2213% | 5,724 |
| Net charge-offs to loans | -0.0274% | 6,678 |
| Credit loss provision to net charge-offs | -375.0000% | 5,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2145% | 5,804 |
| Assets per employee ($millions) | 3.1999% | 5,713 |
| Cash dividends to net income (ytd only)* | 98.4252% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 4,125 |
| Loan loss allowance to noncurrent loans | 115.8854% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.9231% | 5,050 |
| Noncurrent loans to loans | 1.3092% | 4,513 |
| Net loans and leases to total assets | 69.4416% | 2,238 |
| Net loans and leases to deposits | 80.4484% | 2,625 |
| Net loans and leases to core deposits | 88.8790% | 2,493 |
| Total domestic deposits to total assets | 86.3182% | 3,333 |
| Equity capital to assets | 13.0556% | 1,358 |
| Core capital (leverage) ratio | 8.5502% | 5,352 |
| Tier 1 risk-based capital ratio | 10.2417% | 6,915 |
| Total risk-based capital ratio | 11.4922% | 6,908 |
| Memoranda: | ||
| Average total assets | $82,859,000 | 5,499 |
| Average earning assets | $70,417,000 | 5,652 |
| Average equity | $10,843,000 | 4,834 |
| Average total loans | $58,463,000 | 5,070 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6987% | 1,572 |
| Cost of funding earning assets | 0.5887% | 7,149 |
| Net interest margin | 5.1100% | 347 |
| Noninterest income to average assets | 0.7785% | 2,389 |
| Noninterest expense to average assets | 2.9918% | 3,878 |
| Loan and lease loss provision to assets | 0.1114% | 6,041 |
| Net operating income to assets | 2.0001% | 281 |
| Return on assets (ROA) | 2.0121% | 289 |
| Pretax return on assets | 2.0121% | 468 |
| Return on Equity (ROE) | 15.3167% | 674 |
| Retained earnings to average equity (ytd only) | 0.0912% | 5,544 |
| Net charge-offs to loans | 0.0612% | 6,177 |
| Credit loss provision to net charge-offs | 258.3333% | 1,092 |
| Earnings coverage of net charge-offs (x) | 48.9722% | 475 |
| Efficiency ratio | 58.6247% | 6,257 |
| Assets per employee ($millions) | 3.3008% | 5,426 |
| Cash dividends to net income (ytd only)* | 99.4048% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 4,043 |
| Loan loss allowance to noncurrent loans | 116.1333% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.9089% | 5,203 |
| Noncurrent loans to loans | 1.2873% | 4,562 |
| Net loans and leases to total assets | 69.5480% | 2,646 |
| Net loans and leases to deposits | 83.7201% | 2,498 |
| Net loans and leases to core deposits | 93.7042% | 2,295 |
| Total domestic deposits to total assets | 83.0720% | 4,766 |
| Equity capital to assets | 13.1168% | 1,339 |
| Core capital (leverage) ratio | 8.4580% | 5,437 |
| Tier 1 risk-based capital ratio | 10.9702% | 6,345 |
| Total risk-based capital ratio | 12.2224% | 6,319 |
| Memoranda: | ||
| Average total assets | $83,495,000 | 5,486 |
| Average earning assets | $70,665,400 | 5,645 |
| Average equity | $10,968,400 | 4,871 |
| Average total loans | $58,854,000 | 5,117 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7362% | 1,588 |
| Cost of funding earning assets | 0.6079% | 7,272 |
| Net interest margin | 5.1283% | 332 |
| Noninterest income to average assets | 0.7468% | 2,533 |
| Noninterest expense to average assets | 2.9981% | 3,754 |
| Loan and lease loss provision to assets | 0.0923% | 6,109 |
| Net operating income to assets | 1.9950% | 341 |
| Return on assets (ROA) | 2.0110% | 361 |
| Pretax return on assets | 2.0110% | 609 |
| Return on Equity (ROE) | 15.3025% | 812 |
| Retained earnings to average equity (ytd only) | 1.7326% | 5,096 |
| Net charge-offs to loans | 0.0814% | 5,709 |
| Credit loss provision to net charge-offs | 161.1111% | 2,349 |
| Earnings coverage of net charge-offs (x) | 36.4158% | 751 |
| Efficiency ratio | 58.9543% | 6,108 |
| Assets per employee ($millions) | 3.2874% | 5,500 |
| Cash dividends to net income (ytd only)* | 88.6779% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 4,392 |
| Loan loss allowance to noncurrent loans | 109.1265% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.9333% | 5,232 |
| Noncurrent loans to loans | 1.2938% | 4,692 |
| Net loans and leases to total assets | 71.1140% | 2,461 |
| Net loans and leases to deposits | 86.4009% | 2,257 |
| Net loans and leases to core deposits | 98.0802% | 2,031 |
| Total domestic deposits to total assets | 82.3070% | 4,871 |
| Equity capital to assets | 13.5085% | 1,345 |
| Core capital (leverage) ratio | 8.7688% | 5,069 |
| Tier 1 risk-based capital ratio | 10.2807% | 6,909 |
| Total risk-based capital ratio | 11.5236% | 6,905 |
| Memoranda: | ||
| Average total assets | $83,738,750 | 5,545 |
| Average earning assets | $70,847,000 | 5,708 |
| Average equity | $11,004,500 | 4,922 |
| Average total loans | $59,002,000 | 5,187 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7049% | 1,742 |
| Cost of funding earning assets | 0.6255% | 7,350 |
| Net interest margin | 5.0795% | 360 |
| Noninterest income to average assets | 0.7548% | 2,359 |
| Noninterest expense to average assets | 3.0360% | 3,570 |
| Loan and lease loss provision to assets | 0.0712% | 6,236 |
| Net operating income to assets | 1.9464% | 365 |
| Return on assets (ROA) | 1.9678% | 384 |
| Pretax return on assets | 1.9678% | 644 |
| Return on Equity (ROE) | 15.1112% | 837 |
| Retained earnings to average equity (ytd only) | 3.2629% | 4,023 |
| Net charge-offs to loans | 0.0170% | 6,103 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 208 |
| Efficiency ratio | 60.0752% | 6,035 |
| Assets per employee ($millions) | 3.2125% | 5,657 |
| Cash dividends to net income (ytd only)* | 78.4077% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 4,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 69.5549% | 3,006 |
| Net loans and leases to deposits | 82.7364% | 3,128 |
| Net loans and leases to core deposits | 93.8651% | 2,737 |
| Total domestic deposits to total assets | 84.0681% | 4,081 |
| Equity capital to assets | 13.2633% | 1,450 |
| Core capital (leverage) ratio | 8.7705% | 4,971 |
| Tier 1 risk-based capital ratio | 10.3095% | 6,830 |
| Total risk-based capital ratio | 11.5523% | 6,814 |
| Memoranda: | ||
| Average total assets | $84,256,670 | 5,555 |
| Average earning assets | $71,306,670 | 5,730 |
| Average equity | $10,972,000 | 4,929 |
| Average total loans | $58,908,670 | 5,230 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5903% | 2,190 |
| Cost of funding earning assets | 0.6410% | 7,468 |
| Net interest margin | 4.9493% | 464 |
| Noninterest income to average assets | 0.7374% | 2,368 |
| Noninterest expense to average assets | 2.9543% | 3,842 |
| Loan and lease loss provision to assets | 0.0709% | 5,927 |
| Net operating income to assets | 1.9096% | 405 |
| Return on assets (ROA) | 1.9522% | 409 |
| Pretax return on assets | 1.9522% | 666 |
| Return on Equity (ROE) | 15.1296% | 850 |
| Retained earnings to average equity (ytd only) | 0.4762% | 5,645 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8659% | 6,201 |
| Assets per employee ($millions) | 3.2466% | 5,661 |
| Cash dividends to net income (ytd only)* | 96.8523% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 4,260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 67.7416% | 3,450 |
| Net loans and leases to deposits | 82.3521% | 3,225 |
| Net loans and leases to core deposits | 94.3177% | 2,803 |
| Total domestic deposits to total assets | 82.2584% | 4,952 |
| Equity capital to assets | 12.9318% | 1,550 |
| Core capital (leverage) ratio | 8.4257% | 5,511 |
| Tier 1 risk-based capital ratio | 10.1469% | 6,934 |
| Total risk-based capital ratio | 11.3836% | 6,931 |
| Memoranda: | ||
| Average total assets | $84,623,000 | 5,610 |
| Average earning assets | $71,767,500 | 5,782 |
| Average equity | $10,919,000 | 5,003 |
| Average total loans | $58,895,500 | 5,296 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8792% | 6,760 |
| Cost of funding earning assets | 0.6503% | 7,736 |
| Net interest margin | 4.2289% | 1,976 |
| Noninterest income to average assets | 0.6248% | 3,461 |
| Noninterest expense to average assets | 2.4934% | 6,154 |
| Loan and lease loss provision to assets | 0.0896% | 6,715 |
| Net operating income to assets | 1.6682% | 473 |
| Return on assets (ROA) | 1.6682% | 504 |
| Pretax return on assets | 1.6682% | 839 |
| Return on Equity (ROE) | 13.5269% | 865 |
| Retained earnings to average equity (ytd only) | 1.0994% | 4,272 |
| Net charge-offs to loans | -0.0017% | 7,690 |
| Credit loss provision to net charge-offs | -7,600.0000% | 7,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6522% | 6,673 |
| Assets per employee ($millions) | 3.2628% | 5,582 |
| Cash dividends to net income (ytd only)* | 91.8728% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 4,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 69.5052% | 3,363 |
| Net loans and leases to deposits | 84.9846% | 3,091 |
| Net loans and leases to core deposits | 124.1739% | 1,624 |
| Total domestic deposits to total assets | 81.7856% | 5,040 |
| Equity capital to assets | 12.8746% | 1,561 |
| Core capital (leverage) ratio | 8.4632% | 5,337 |
| Tier 1 risk-based capital ratio | 9.6750% | 7,116 |
| Total risk-based capital ratio | 10.8352% | 7,156 |
| Memoranda: | ||
| Average total assets | $84,822,600 | 5,569 |
| Average earning assets | $72,737,400 | 5,728 |
| Average equity | $10,460,600 | 5,175 |
| Average total loans | $60,337,600 | 5,239 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5914% | 7,427 |
| Cost of funding earning assets | 0.6395% | 7,865 |
| Net interest margin | 3.9520% | 3,026 |
| Noninterest income to average assets | 0.5863% | 3,806 |
| Noninterest expense to average assets | 2.3406% | 6,594 |
| Loan and lease loss provision to assets | 0.0959% | 6,407 |
| Net operating income to assets | 1.5499% | 732 |
| Return on assets (ROA) | 1.5499% | 787 |
| Pretax return on assets | 1.5499% | 1,280 |
| Return on Equity (ROE) | 12.7076% | 1,174 |
| Retained earnings to average equity (ytd only) | 2.3971% | 3,980 |
| Net charge-offs to loans | 0.0022% | 6,963 |
| Credit loss provision to net charge-offs | 6,100.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 1,049.6015% | 21 |
| Efficiency ratio | 58.7145% | 6,609 |
| Assets per employee ($millions) | 3.1660% | 5,737 |
| Cash dividends to net income (ytd only)* | 81.1361% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 4,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 70.2783% | 3,444 |
| Net loans and leases to deposits | 85.6291% | 3,394 |
| Net loans and leases to core deposits | 127.0641% | 1,649 |
| Total domestic deposits to total assets | 82.0730% | 4,650 |
| Equity capital to assets | 13.3399% | 1,558 |
| Core capital (leverage) ratio | 8.5559% | 5,385 |
| Tier 1 risk-based capital ratio | 10.1013% | 6,878 |
| Total risk-based capital ratio | 11.2750% | 6,909 |
| Memoranda: | ||
| Average total assets | $84,819,750 | 5,593 |
| Average earning assets | $72,974,500 | 5,754 |
| Average equity | $10,345,250 | 5,241 |
| Average total loans | $60,477,250 | 5,262 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0233% | 7,901 |
| Cost of funding earning assets | 0.5906% | 7,995 |
| Net interest margin | 3.4327% | 5,056 |
| Noninterest income to average assets | 0.4973% | 4,467 |
| Noninterest expense to average assets | 2.0478% | 7,381 |
| Loan and lease loss provision to assets | 0.0490% | 6,740 |
| Net operating income to assets | 1.3590% | 1,105 |
| Return on assets (ROA) | 1.3590% | 1,173 |
| Pretax return on assets | 1.3590% | 1,834 |
| Return on Equity (ROE) | 11.4868% | 1,563 |
| Retained earnings to average equity (ytd only) | 3.5921% | 3,300 |
| Net charge-offs to loans | 0.0033% | 6,578 |
| Credit loss provision to net charge-offs | 2,100.0000% | 251 |
| Earnings coverage of net charge-offs (x) | 603.0000% | 51 |
| Efficiency ratio | 59.2568% | 6,656 |
| Assets per employee ($millions) | 3.3934% | 5,085 |
| Cash dividends to net income (ytd only)* | 68.7285% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 4,636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 70.8116% | 3,512 |
| Net loans and leases to deposits | 85.0832% | 3,716 |
| Net loans and leases to core deposits | 122.9241% | 2,117 |
| Total domestic deposits to total assets | 83.2263% | 4,135 |
| Equity capital to assets | 12.9062% | 1,732 |
| Core capital (leverage) ratio | 8.3003% | 5,796 |
| Tier 1 risk-based capital ratio | 9.8955% | 7,044 |
| Total risk-based capital ratio | 10.9884% | 7,137 |
| Memoranda: | ||
| Average total assets | $85,654,000 | 5,592 |
| Average earning assets | $73,820,330 | 5,752 |
| Average equity | $10,133,330 | 5,327 |
| Average total loans | $61,086,670 | 5,288 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4273% | 8,168 |
| Cost of funding earning assets | 0.3858% | 8,138 |
| Net interest margin | 2.0415% | 7,876 |
| Noninterest income to average assets | 0.2556% | 6,411 |
| Noninterest expense to average assets | 1.1294% | 8,138 |
| Loan and lease loss provision to assets | 0.0279% | 6,579 |
| Net operating income to assets | 0.8691% | 2,842 |
| Return on assets (ROA) | 0.8691% | 2,990 |
| Pretax return on assets | 0.8691% | 3,830 |
| Return on Equity (ROE) | 7.6911% | 3,287 |
| Retained earnings to average equity (ytd only) | 7.6911% | 1,933 |
| Net charge-offs to loans | -0.0065% | 7,213 |
| Credit loss provision to net charge-offs | -600.0000% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7339% | 7,004 |
| Assets per employee ($millions) | 3.1955% | 5,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 4,866 |
| Loan loss allowance to noncurrent loans | 8,288.8889% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 7,610 |
| Noncurrent loans to loans | 0.0144% | 7,525 |
| Net loans and leases to total assets | 71.7298% | 3,301 |
| Net loans and leases to deposits | 84.7442% | 3,858 |
| Net loans and leases to core deposits | 121.1025% | 2,322 |
| Total domestic deposits to total assets | 84.6427% | 3,395 |
| Equity capital to assets | 12.7008% | 1,887 |
| Core capital (leverage) ratio | 8.4231% | 5,675 |
| Tier 1 risk-based capital ratio | 9.6190% | 7,321 |
| Total risk-based capital ratio | 10.6636% | 7,454 |
| Memoranda: | ||
| Average total assets | $86,063,500 | 5,602 |
| Average earning assets | $74,652,000 | 5,750 |
| Average equity | $9,725,500 | 5,468 |
| Average total loans | $61,214,500 | 5,314 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6407% | 2,286 |
| Cost of funding earning assets | 1.8635% | 6,840 |
| Net interest margin | 4.7772% | 814 |
| Noninterest income to average assets | 1.0833% | 1,342 |
| Noninterest expense to average assets | 3.1971% | 3,346 |
| Loan and lease loss provision to assets | 0.1961% | 4,917 |
| Net operating income to assets | 1.8430% | 506 |
| Return on assets (ROA) | 1.8406% | 492 |
| Pretax return on assets | 1.8406% | 864 |
| Return on Equity (ROE) | 18.2521% | 508 |
| Retained earnings to average equity (ytd only) | 5.0673% | 1,988 |
| Net charge-offs to loans | -0.0195% | 7,923 |
| Credit loss provision to net charge-offs | -1,454.5455% | 7,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0578% | 6,148 |
| Assets per employee ($millions) | 3.5770% | 4,479 |
| Cash dividends to net income (ytd only)* | 72.2370% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 4,373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 68.8022% | 4,301 |
| Net loans and leases to deposits | 76.5351% | 5,527 |
| Net loans and leases to core deposits | 109.2763% | 3,830 |
| Total domestic deposits to total assets | 89.8962% | 690 |
| Equity capital to assets | 9.8930% | 4,166 |
| Core capital (leverage) ratio | 7.8424% | 6,734 |
| Tier 1 risk-based capital ratio | 9.2016% | 7,612 |
| Total risk-based capital ratio | 10.2363% | 7,788 |
| Memoranda: | ||
| Average total assets | $81,605,000 | 5,641 |
| Average earning assets | $70,941,600 | 5,781 |
| Average equity | $8,229,200 | 5,993 |
| Average total loans | $56,290,400 | 5,433 |