Home > Citizens Bank > Performance and Condition Ratios
Citizens Bank, Performance and Condition Ratios
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4153% | 838 |
| Cost of funding earning assets | 0.8309% | 252 |
| Net interest margin | 3.5844% | 1,624 |
| Noninterest income to average assets | 0.4053% | 3,083 |
| Noninterest expense to average assets | 2.2114% | 3,053 |
| Loan and lease loss provision to assets | 0.1386% | 879 |
| Net operating income to assets | 0.9904% | 2,922 |
| Return on assets (ROA) | 1.0025% | 2,957 |
| Pretax return on assets | 1.3551% | 2,457 |
| Return on Equity (ROE) | 10.2955% | 2,651 |
| Retained earnings to average equity (ytd only) | 10.2955% | 1,312 |
| Net charge-offs to loans | 0.1186% | 654 |
| Credit loss provision to net charge-offs | 183.4862% | 1,083 |
| Earnings coverage of net charge-offs (x) | 19.5780% | 1,539 |
| Efficiency ratio | 59.9324% | 3,024 |
| Assets per employee ($millions) | 5.9325% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7019% | 1,052 |
| Loan loss allowance to noncurrent loans | 295.7587% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 1,952 |
| Noncurrent loans to loans | 0.5754% | 1,960 |
| Net loans and leases to total assets | 62.3490% | 2,138 |
| Net loans and leases to deposits | 70.1973% | 2,386 |
| Net loans and leases to core deposits | 77.3802% | 2,104 |
| Total domestic deposits to total assets | 88.8197% | 1,374 |
| Equity capital to assets | 9.9074% | 2,936 |
| Core capital (leverage) ratio | 9.8272% | 2,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5823% | 2,128 |
| Memoranda: | ||
| Average total assets | $288,681,000 | 2,504 |
| Average earning assets | $264,535,667 | 2,540 |
| Average equity | $28,109,333 | 2,664 |
| Average total loans | $183,840,000 | 2,408 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 1,101 |
| Cost of funding earning assets | 0.8868% | 238 |
| Net interest margin | 3.3737% | 2,179 |
| Noninterest income to average assets | 0.3852% | 3,176 |
| Noninterest expense to average assets | 2.1927% | 3,129 |
| Loan and lease loss provision to assets | 0.1251% | 1,093 |
| Net operating income to assets | 0.8657% | 3,221 |
| Return on assets (ROA) | 0.8899% | 3,237 |
| Pretax return on assets | 1.2027% | 2,841 |
| Return on Equity (ROE) | 9.2206% | 2,954 |
| Retained earnings to average equity (ytd only) | 9.2206% | 1,879 |
| Net charge-offs to loans | 0.0087% | 1,600 |
| Credit loss provision to net charge-offs | 2,250.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 233.2500% | 360 |
| Efficiency ratio | 62.8287% | 2,632 |
| Assets per employee ($millions) | 5.8984% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7095% | 1,026 |
| Loan loss allowance to noncurrent loans | 158.5020% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.7328% | 1,264 |
| Noncurrent loans to loans | 1.0785% | 1,241 |
| Net loans and leases to total assets | 62.3078% | 2,255 |
| Net loans and leases to deposits | 69.8957% | 2,519 |
| Net loans and leases to core deposits | 77.2076% | 2,240 |
| Total domestic deposits to total assets | 89.1440% | 1,272 |
| Equity capital to assets | 9.5388% | 3,158 |
| Core capital (leverage) ratio | 9.7266% | 2,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3426% | 2,142 |
| Memoranda: | ||
| Average total assets | $287,676,000 | 2,501 |
| Average earning assets | $264,757,500 | 2,521 |
| Average equity | $27,764,000 | 2,688 |
| Average total loans | $183,569,500 | 2,416 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7372% | 832 |
| Cost of funding earning assets | 1.2050% | 270 |
| Net interest margin | 3.5322% | 2,364 |
| Noninterest income to average assets | 0.4417% | 2,905 |
| Noninterest expense to average assets | 2.3616% | 3,238 |
| Loan and lease loss provision to assets | 0.1067% | 3,006 |
| Net operating income to assets | 0.9574% | 2,446 |
| Return on assets (ROA) | 0.9669% | 2,559 |
| Pretax return on assets | 1.2641% | 2,105 |
| Return on Equity (ROE) | 9.5836% | 2,162 |
| Retained earnings to average equity (ytd only) | 2.3950% | 3,666 |
| Net charge-offs to loans | 0.0287% | 2,460 |
| Credit loss provision to net charge-offs | 568.6275% | 1,149 |
| Earnings coverage of net charge-offs (x) | 72.4314% | 952 |
| Efficiency ratio | 63.4800% | 2,898 |
| Assets per employee ($millions) | 5.7266% | 2,601 |
| Cash dividends to net income (ytd only)* | 75.0095% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 1,146 |
| Loan loss allowance to noncurrent loans | 416.8263% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 2,777 |
| Noncurrent loans to loans | 0.3974% | 2,783 |
| Net loans and leases to total assets | 63.1707% | 2,470 |
| Net loans and leases to deposits | 71.0635% | 2,775 |
| Net loans and leases to core deposits | 79.3196% | 2,418 |
| Total domestic deposits to total assets | 88.8933% | 1,032 |
| Equity capital to assets | 9.7645% | 3,355 |
| Core capital (leverage) ratio | 9.7418% | 2,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0262% | 2,226 |
| Memoranda: | ||
| Average total assets | $271,886,600 | 2,452 |
| Average earning assets | $252,363,600 | 2,457 |
| Average equity | $27,432,400 | 2,646 |
| Average total loans | $177,911,400 | 2,428 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8234% | 850 |
| Cost of funding earning assets | 1.2596% | 296 |
| Net interest margin | 3.5638% | 2,384 |
| Noninterest income to average assets | 0.4398% | 2,890 |
| Noninterest expense to average assets | 2.3990% | 3,135 |
| Loan and lease loss provision to assets | 0.0995% | 3,076 |
| Net operating income to assets | 0.9209% | 2,622 |
| Return on assets (ROA) | 0.9338% | 2,714 |
| Pretax return on assets | 1.2693% | 2,158 |
| Return on Equity (ROE) | 9.1766% | 2,327 |
| Retained earnings to average equity (ytd only) | -0.4542% | 4,548 |
| Net charge-offs to loans | 0.0393% | 2,066 |
| Credit loss provision to net charge-offs | 384.6154% | 1,509 |
| Earnings coverage of net charge-offs (x) | 52.3269% | 1,167 |
| Efficiency ratio | 63.9507% | 2,744 |
| Assets per employee ($millions) | 5.2938% | 2,902 |
| Cash dividends to net income (ytd only)* | 104.9494% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 1,147 |
| Loan loss allowance to noncurrent loans | 358.1818% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 2,737 |
| Noncurrent loans to loans | 0.4421% | 2,726 |
| Net loans and leases to total assets | 66.7192% | 2,423 |
| Net loans and leases to deposits | 75.2598% | 2,819 |
| Net loans and leases to core deposits | 84.6998% | 2,411 |
| Total domestic deposits to total assets | 88.6519% | 920 |
| Equity capital to assets | 9.8547% | 3,375 |
| Core capital (leverage) ratio | 9.6041% | 3,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8573% | 2,262 |
| Memoranda: | ||
| Average total assets | $268,275,250 | 2,448 |
| Average earning assets | $249,278,750 | 2,458 |
| Average equity | $27,300,750 | 2,639 |
| Average total loans | $176,408,000 | 2,436 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8523% | 1,051 |
| Cost of funding earning assets | 1.3019% | 357 |
| Net interest margin | 3.5504% | 2,633 |
| Noninterest income to average assets | 0.4257% | 2,936 |
| Noninterest expense to average assets | 2.4479% | 3,113 |
| Loan and lease loss provision to assets | 0.0752% | 3,353 |
| Net operating income to assets | 0.8896% | 2,731 |
| Return on assets (ROA) | 0.9092% | 2,774 |
| Pretax return on assets | 1.2356% | 2,236 |
| Return on Equity (ROE) | 8.8383% | 2,428 |
| Retained earnings to average equity (ytd only) | 8.8383% | 1,054 |
| Net charge-offs to loans | -0.0624% | 4,736 |
| Credit loss provision to net charge-offs | -185.1852% | 3,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5589% | 2,578 |
| Assets per employee ($millions) | 5.3062% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 876 |
| Loan loss allowance to noncurrent loans | 325.8526% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 2,629 |
| Noncurrent loans to loans | 0.5121% | 2,617 |
| Net loans and leases to total assets | 63.2544% | 2,969 |
| Net loans and leases to deposits | 71.8271% | 3,274 |
| Net loans and leases to core deposits | 81.3583% | 2,832 |
| Total domestic deposits to total assets | 88.0648% | 1,138 |
| Equity capital to assets | 10.2786% | 2,942 |
| Core capital (leverage) ratio | 10.2115% | 2,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2309% | 1,718 |
| Memoranda: | ||
| Average total assets | $265,940,667 | 2,435 |
| Average earning assets | $247,800,667 | 2,434 |
| Average equity | $27,358,333 | 2,621 |
| Average total loans | $173,004,333 | 2,447 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0369% | 896 |
| Cost of funding earning assets | 1.3510% | 483 |
| Net interest margin | 3.6859% | 2,372 |
| Noninterest income to average assets | 0.4599% | 2,747 |
| Noninterest expense to average assets | 2.5078% | 3,252 |
| Loan and lease loss provision to assets | 0.0383% | 3,294 |
| Net operating income to assets | 0.9918% | 2,201 |
| Return on assets (ROA) | 0.9918% | 2,301 |
| Pretax return on assets | 1.3474% | 1,725 |
| Return on Equity (ROE) | 9.6362% | 1,864 |
| Retained earnings to average equity (ytd only) | 9.6362% | 818 |
| Net charge-offs to loans | -0.0117% | 4,128 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4094% | 3,173 |
| Assets per employee ($millions) | 5.0167% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7170% | 850 |
| Loan loss allowance to noncurrent loans | 83.6181% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.3927% | 809 |
| Noncurrent loans to loans | 2.0534% | 679 |
| Net loans and leases to total assets | 61.0984% | 3,388 |
| Net loans and leases to deposits | 69.5202% | 3,630 |
| Net loans and leases to core deposits | 79.3327% | 3,253 |
| Total domestic deposits to total assets | 87.8858% | 1,152 |
| Equity capital to assets | 10.2138% | 3,594 |
| Core capital (leverage) ratio | 10.4306% | 3,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5769% | 1,726 |
| Memoranda: | ||
| Average total assets | $260,949,000 | 2,429 |
| Average earning assets | $243,086,000 | 2,423 |
| Average equity | $26,857,000 | 2,647 |
| Average total loans | $170,758,500 | 2,444 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7026% | 397 |
| Cost of funding earning assets | 1.3010% | 766 |
| Net interest margin | 4.4016% | 892 |
| Noninterest income to average assets | 0.4981% | 2,757 |
| Noninterest expense to average assets | 2.6687% | 2,971 |
| Loan and lease loss provision to assets | 0.1031% | 2,005 |
| Net operating income to assets | 1.3507% | 1,501 |
| Return on assets (ROA) | 1.3507% | 1,582 |
| Pretax return on assets | 1.8131% | 905 |
| Return on Equity (ROE) | 12.3975% | 1,362 |
| Retained earnings to average equity (ytd only) | 8.3742% | 866 |
| Net charge-offs to loans | 0.0723% | 2,062 |
| Credit loss provision to net charge-offs | 190.4762% | 1,385 |
| Earnings coverage of net charge-offs (x) | 35.3889% | 1,414 |
| Efficiency ratio | 58.2060% | 3,935 |
| Assets per employee ($millions) | 4.9233% | 2,681 |
| Cash dividends to net income (ytd only)* | 32.4531% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 993 |
| Loan loss allowance to noncurrent loans | 442.2047% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 2,927 |
| Noncurrent loans to loans | 0.3603% | 3,159 |
| Net loans and leases to total assets | 67.7386% | 2,717 |
| Net loans and leases to deposits | 77.2485% | 3,075 |
| Net loans and leases to core deposits | 87.8783% | 2,612 |
| Total domestic deposits to total assets | 87.6892% | 1,281 |
| Equity capital to assets | 10.3733% | 3,569 |
| Core capital (leverage) ratio | 11.2848% | 2,261 |
| Tier 1 risk-based capital ratio | 13.4446% | 3,557 |
| Total risk-based capital ratio | 14.6968% | 3,439 |
| Memoranda: | ||
| Average total assets | $232,698,400 | 2,558 |
| Average earning assets | $216,059,600 | 2,559 |
| Average equity | $25,351,800 | 2,693 |
| Average total loans | $174,341,600 | 2,375 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7781% | 363 |
| Cost of funding earning assets | 1.2775% | 844 |
| Net interest margin | 4.5006% | 762 |
| Noninterest income to average assets | 0.5195% | 2,608 |
| Noninterest expense to average assets | 2.7216% | 2,804 |
| Loan and lease loss provision to assets | 0.0970% | 1,970 |
| Net operating income to assets | 1.3776% | 1,539 |
| Return on assets (ROA) | 1.3776% | 1,612 |
| Pretax return on assets | 1.8689% | 939 |
| Return on Equity (ROE) | 12.4758% | 1,457 |
| Retained earnings to average equity (ytd only) | 7.0469% | 1,839 |
| Net charge-offs to loans | 0.0337% | 2,396 |
| Credit loss provision to net charge-offs | 375.0000% | 807 |
| Earnings coverage of net charge-offs (x) | 76.0165% | 889 |
| Efficiency ratio | 58.0617% | 3,929 |
| Assets per employee ($millions) | 4.6136% | 3,029 |
| Cash dividends to net income (ytd only)* | 43.5154% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5798% | 1,030 |
| Loan loss allowance to noncurrent loans | 464.3564% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 2,967 |
| Noncurrent loans to loans | 0.3402% | 3,319 |
| Net loans and leases to total assets | 73.0724% | 1,982 |
| Net loans and leases to deposits | 83.9704% | 2,461 |
| Net loans and leases to core deposits | 95.9482% | 1,999 |
| Total domestic deposits to total assets | 87.0216% | 1,500 |
| Equity capital to assets | 10.7013% | 3,378 |
| Core capital (leverage) ratio | 10.9449% | 2,697 |
| Tier 1 risk-based capital ratio | 13.2594% | 3,709 |
| Total risk-based capital ratio | 14.5120% | 3,611 |
| Memoranda: | ||
| Average total assets | $226,870,000 | 2,627 |
| Average earning assets | $210,098,250 | 2,630 |
| Average equity | $25,050,500 | 2,728 |
| Average total loans | $173,870,250 | 2,410 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7546% | 359 |
| Cost of funding earning assets | 1.2135% | 951 |
| Net interest margin | 4.5411% | 702 |
| Noninterest income to average assets | 0.5402% | 2,438 |
| Noninterest expense to average assets | 2.7673% | 2,696 |
| Loan and lease loss provision to assets | 0.1483% | 1,243 |
| Net operating income to assets | 1.3455% | 1,599 |
| Return on assets (ROA) | 1.3455% | 1,661 |
| Pretax return on assets | 1.8254% | 980 |
| Return on Equity (ROE) | 12.0517% | 1,560 |
| Retained earnings to average equity (ytd only) | 12.0517% | 401 |
| Net charge-offs to loans | 0.0035% | 3,037 |
| Credit loss provision to net charge-offs | 5,500.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 732.0000% | 110 |
| Efficiency ratio | 58.3697% | 3,957 |
| Assets per employee ($millions) | 4.1177% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6440% | 938 |
| Loan loss allowance to noncurrent loans | 374.6719% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 2,658 |
| Noncurrent loans to loans | 0.4388% | 2,958 |
| Net loans and leases to total assets | 74.0742% | 1,875 |
| Net loans and leases to deposits | 85.8650% | 2,272 |
| Net loans and leases to core deposits | 95.4490% | 2,122 |
| Total domestic deposits to total assets | 86.2682% | 1,910 |
| Equity capital to assets | 11.1922% | 2,867 |
| Core capital (leverage) ratio | 11.1944% | 2,423 |
| Tier 1 risk-based capital ratio | 13.7392% | 3,459 |
| Total risk-based capital ratio | 14.9923% | 3,354 |
| Memoranda: | ||
| Average total assets | $222,524,670 | 2,670 |
| Average earning assets | $205,851,330 | 2,676 |
| Average equity | $24,843,000 | 2,739 |
| Average total loans | $172,454,000 | 2,427 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7170% | 354 |
| Cost of funding earning assets | 1.1319% | 1,088 |
| Net interest margin | 4.5850% | 630 |
| Noninterest income to average assets | 0.4778% | 2,691 |
| Noninterest expense to average assets | 2.8303% | 2,470 |
| Loan and lease loss provision to assets | 0.1648% | 1,023 |
| Net operating income to assets | 1.2760% | 1,791 |
| Return on assets (ROA) | 1.2760% | 1,835 |
| Pretax return on assets | 1.7319% | 1,134 |
| Return on Equity (ROE) | 11.4448% | 1,762 |
| Retained earnings to average equity (ytd only) | 11.4448% | 714 |
| Net charge-offs to loans | 0.0163% | 2,144 |
| Credit loss provision to net charge-offs | 1,285.7143% | 301 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 507 |
| Efficiency ratio | 59.8761% | 3,823 |
| Assets per employee ($millions) | 4.2335% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 1,055 |
| Loan loss allowance to noncurrent loans | 311.9101% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.5501% | 2,446 |
| Noncurrent loans to loans | 0.5139% | 2,774 |
| Net loans and leases to total assets | 77.4027% | 1,251 |
| Net loans and leases to deposits | 90.0536% | 1,620 |
| Net loans and leases to core deposits | 99.4195% | 1,672 |
| Total domestic deposits to total assets | 85.9517% | 2,302 |
| Equity capital to assets | 11.2710% | 2,586 |
| Core capital (leverage) ratio | 11.3174% | 2,274 |
| Tier 1 risk-based capital ratio | 13.6304% | 3,535 |
| Total risk-based capital ratio | 14.8834% | 3,444 |
| Memoranda: | ||
| Average total assets | $218,492,500 | 2,732 |
| Average earning assets | $202,485,500 | 2,740 |
| Average equity | $24,360,500 | 2,775 |
| Average total loans | $171,850,000 | 2,459 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6225% | 321 |
| Cost of funding earning assets | 0.8491% | 1,307 |
| Net interest margin | 4.7733% | 420 |
| Noninterest income to average assets | 0.5544% | 2,526 |
| Noninterest expense to average assets | 2.8215% | 2,617 |
| Loan and lease loss provision to assets | 0.1266% | 1,729 |
| Net operating income to assets | 1.5031% | 1,111 |
| Return on assets (ROA) | 1.5031% | 1,098 |
| Pretax return on assets | 2.0144% | 546 |
| Return on Equity (ROE) | 14.0256% | 1,034 |
| Retained earnings to average equity (ytd only) | 10.1571% | 595 |
| Net charge-offs to loans | 0.0708% | 2,104 |
| Credit loss provision to net charge-offs | 219.5122% | 1,326 |
| Earnings coverage of net charge-offs (x) | 37.1138% | 1,395 |
| Efficiency ratio | 56.8566% | 4,302 |
| Assets per employee ($millions) | 4.0914% | 3,758 |
| Cash dividends to net income (ytd only)* | 27.5819% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5792% | 1,072 |
| Loan loss allowance to noncurrent loans | 360.0267% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4981% | 2,588 |
| Noncurrent loans to loans | 0.4386% | 2,967 |
| Net loans and leases to total assets | 77.3994% | 1,374 |
| Net loans and leases to deposits | 89.8432% | 1,821 |
| Net loans and leases to core deposits | 105.2184% | 1,322 |
| Total domestic deposits to total assets | 86.1495% | 2,159 |
| Equity capital to assets | 11.0259% | 2,660 |
| Core capital (leverage) ratio | 11.2462% | 2,312 |
| Tier 1 risk-based capital ratio | 13.5648% | 3,513 |
| Total risk-based capital ratio | 14.8179% | 3,418 |
| Memoranda: | ||
| Average total assets | $213,219,400 | 2,746 |
| Average earning assets | $196,906,800 | 2,747 |
| Average equity | $22,851,000 | 2,833 |
| Average total loans | $173,770,800 | 2,398 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5643% | 317 |
| Cost of funding earning assets | 0.8005% | 1,335 |
| Net interest margin | 4.7637% | 403 |
| Noninterest income to average assets | 0.5646% | 2,497 |
| Noninterest expense to average assets | 2.8084% | 2,610 |
| Loan and lease loss provision to assets | 0.1570% | 1,243 |
| Net operating income to assets | 1.4689% | 1,279 |
| Return on assets (ROA) | 1.4689% | 1,278 |
| Pretax return on assets | 1.9939% | 631 |
| Return on Equity (ROE) | 13.8073% | 1,172 |
| Retained earnings to average equity (ytd only) | 8.5890% | 1,380 |
| Net charge-offs to loans | 0.0840% | 1,675 |
| Credit loss provision to net charge-offs | 227.2727% | 1,261 |
| Earnings coverage of net charge-offs (x) | 31.1370% | 1,572 |
| Efficiency ratio | 56.6291% | 4,295 |
| Assets per employee ($millions) | 3.9023% | 4,039 |
| Cash dividends to net income (ytd only)* | 37.7940% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 1,238 |
| Loan loss allowance to noncurrent loans | 532.9365% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 3,077 |
| Noncurrent loans to loans | 0.2883% | 3,652 |
| Net loans and leases to total assets | 81.6740% | 766 |
| Net loans and leases to deposits | 96.2847% | 1,121 |
| Net loans and leases to core deposits | 108.6089% | 1,123 |
| Total domestic deposits to total assets | 84.8255% | 2,678 |
| Equity capital to assets | 10.9020% | 2,748 |
| Core capital (leverage) ratio | 11.0503% | 2,532 |
| Tier 1 risk-based capital ratio | 12.9459% | 3,941 |
| Total risk-based capital ratio | 14.1987% | 3,840 |
| Memoranda: | ||
| Average total assets | $212,313,250 | 2,772 |
| Average earning assets | $195,864,000 | 2,777 |
| Average equity | $22,586,500 | 2,865 |
| Average total loans | $174,581,250 | 2,395 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4350% | 361 |
| Cost of funding earning assets | 0.7565% | 1,342 |
| Net interest margin | 4.6785% | 464 |
| Noninterest income to average assets | 0.5441% | 2,605 |
| Noninterest expense to average assets | 2.7316% | 2,904 |
| Loan and lease loss provision to assets | 0.1691% | 1,088 |
| Net operating income to assets | 1.4443% | 1,299 |
| Return on assets (ROA) | 1.4443% | 1,302 |
| Pretax return on assets | 1.9611% | 661 |
| Return on Equity (ROE) | 13.6880% | 1,160 |
| Retained earnings to average equity (ytd only) | 13.6880% | 307 |
| Net charge-offs to loans | 0.0527% | 1,849 |
| Credit loss provision to net charge-offs | 391.3043% | 835 |
| Earnings coverage of net charge-offs (x) | 49.2826% | 1,136 |
| Efficiency ratio | 56.1848% | 4,457 |
| Assets per employee ($millions) | 3.9082% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 1,322 |
| Loan loss allowance to noncurrent loans | 660.0985% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.3954% | 3,161 |
| Noncurrent loans to loans | 0.2307% | 3,888 |
| Net loans and leases to total assets | 80.6103% | 928 |
| Net loans and leases to deposits | 94.8297% | 1,262 |
| Net loans and leases to core deposits | 107.7020% | 1,136 |
| Total domestic deposits to total assets | 85.0053% | 2,669 |
| Equity capital to assets | 10.7505% | 2,888 |
| Core capital (leverage) ratio | 11.0597% | 2,472 |
| Tier 1 risk-based capital ratio | 12.6417% | 4,102 |
| Total risk-based capital ratio | 13.8940% | 3,998 |
| Memoranda: | ||
| Average total assets | $212,843,670 | 2,784 |
| Average earning assets | $196,431,000 | 2,789 |
| Average equity | $22,457,670 | 2,887 |
| Average total loans | $174,511,330 | 2,401 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3834% | 344 |
| Cost of funding earning assets | 0.7043% | 1,417 |
| Net interest margin | 4.6791% | 419 |
| Noninterest income to average assets | 0.5194% | 2,687 |
| Noninterest expense to average assets | 2.8311% | 2,601 |
| Loan and lease loss provision to assets | 0.1133% | 1,666 |
| Net operating income to assets | 1.4014% | 1,339 |
| Return on assets (ROA) | 1.4014% | 1,344 |
| Pretax return on assets | 1.9038% | 717 |
| Return on Equity (ROE) | 13.4101% | 1,157 |
| Retained earnings to average equity (ytd only) | 13.4101% | 466 |
| Net charge-offs to loans | 0.0898% | 1,264 |
| Credit loss provision to net charge-offs | 153.8462% | 1,217 |
| Earnings coverage of net charge-offs (x) | 27.3846% | 1,298 |
| Efficiency ratio | 58.3950% | 4,297 |
| Assets per employee ($millions) | 4.0102% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 1,605 |
| Loan loss allowance to noncurrent loans | 532.5726% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 3,243 |
| Noncurrent loans to loans | 0.2746% | 3,786 |
| Net loans and leases to total assets | 81.3819% | 741 |
| Net loans and leases to deposits | 96.4432% | 984 |
| Net loans and leases to core deposits | 103.7227% | 1,396 |
| Total domestic deposits to total assets | 84.3832% | 3,156 |
| Equity capital to assets | 10.5231% | 3,053 |
| Core capital (leverage) ratio | 10.8035% | 2,626 |
| Tier 1 risk-based capital ratio | 12.4629% | 4,267 |
| Total risk-based capital ratio | 13.7148% | 4,167 |
| Memoranda: | ||
| Average total assets | $211,791,000 | 2,826 |
| Average earning assets | $195,934,000 | 2,822 |
| Average equity | $22,132,500 | 2,945 |
| Average total loans | $173,791,500 | 2,426 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2383% | 411 |
| Cost of funding earning assets | 0.7049% | 996 |
| Net interest margin | 4.5335% | 569 |
| Noninterest income to average assets | 0.5010% | 2,992 |
| Noninterest expense to average assets | 2.8625% | 2,570 |
| Loan and lease loss provision to assets | 0.0726% | 2,758 |
| Net operating income to assets | 1.0293% | 2,122 |
| Return on assets (ROA) | 1.0293% | 2,156 |
| Pretax return on assets | 1.7256% | 946 |
| Return on Equity (ROE) | 10.2453% | 1,790 |
| Retained earnings to average equity (ytd only) | 6.7332% | 1,182 |
| Net charge-offs to loans | -0.0085% | 4,745 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4170% | 4,030 |
| Assets per employee ($millions) | 3.6386% | 4,520 |
| Cash dividends to net income (ytd only)* | 34.2805% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 1,480 |
| Loan loss allowance to noncurrent loans | 316.2733% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 2,617 |
| Noncurrent loans to loans | 0.4679% | 3,102 |
| Net loans and leases to total assets | 80.3161% | 915 |
| Net loans and leases to deposits | 94.7992% | 1,192 |
| Net loans and leases to core deposits | 101.9573% | 1,555 |
| Total domestic deposits to total assets | 84.7224% | 2,937 |
| Equity capital to assets | 10.3767% | 3,301 |
| Core capital (leverage) ratio | 10.4446% | 2,906 |
| Tier 1 risk-based capital ratio | 12.1455% | 4,434 |
| Total risk-based capital ratio | 13.3972% | 4,329 |
| Memoranda: | ||
| Average total assets | $211,982,600 | 2,800 |
| Average earning assets | $194,508,800 | 2,818 |
| Average equity | $21,297,600 | 3,011 |
| Average total loans | $165,046,400 | 2,480 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1769% | 438 |
| Cost of funding earning assets | 0.7035% | 947 |
| Net interest margin | 4.4734% | 634 |
| Noninterest income to average assets | 0.5039% | 3,008 |
| Noninterest expense to average assets | 2.7656% | 2,840 |
| Loan and lease loss provision to assets | 0.0622% | 2,830 |
| Net operating income to assets | 1.0957% | 2,109 |
| Return on assets (ROA) | 1.0957% | 2,161 |
| Pretax return on assets | 1.7749% | 942 |
| Return on Equity (ROE) | 10.9957% | 1,700 |
| Retained earnings to average equity (ytd only) | 6.2796% | 2,070 |
| Net charge-offs to loans | -0.0163% | 4,777 |
| Credit loss provision to net charge-offs | -495.0000% | 4,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0874% | 4,197 |
| Assets per employee ($millions) | 3.7135% | 4,429 |
| Cash dividends to net income (ytd only)* | 42.8899% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 1,561 |
| Loan loss allowance to noncurrent loans | 399.0415% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 3,055 |
| Noncurrent loans to loans | 0.3738% | 3,614 |
| Net loans and leases to total assets | 77.9400% | 1,281 |
| Net loans and leases to deposits | 91.8267% | 1,591 |
| Net loans and leases to core deposits | 99.6003% | 1,739 |
| Total domestic deposits to total assets | 84.8773% | 2,760 |
| Equity capital to assets | 10.2080% | 3,686 |
| Core capital (leverage) ratio | 10.2914% | 3,212 |
| Tier 1 risk-based capital ratio | 11.9644% | 4,653 |
| Total risk-based capital ratio | 13.2158% | 4,526 |
| Memoranda: | ||
| Average total assets | $212,218,000 | 2,819 |
| Average earning assets | $194,450,250 | 2,845 |
| Average equity | $21,147,250 | 3,048 |
| Average total loans | $163,296,500 | 2,512 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1109% | 457 |
| Cost of funding earning assets | 0.7021% | 885 |
| Net interest margin | 4.4088% | 687 |
| Noninterest income to average assets | 0.5141% | 2,935 |
| Noninterest expense to average assets | 2.7966% | 2,773 |
| Loan and lease loss provision to assets | 0.0537% | 2,901 |
| Net operating income to assets | 1.0546% | 2,187 |
| Return on assets (ROA) | 1.0546% | 2,228 |
| Pretax return on assets | 1.7081% | 1,036 |
| Return on Equity (ROE) | 10.6697% | 1,771 |
| Retained earnings to average equity (ytd only) | 10.6697% | 483 |
| Net charge-offs to loans | -0.0358% | 5,033 |
| Credit loss provision to net charge-offs | -196.5517% | 4,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3510% | 4,114 |
| Assets per employee ($millions) | 3.7865% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 1,614 |
| Loan loss allowance to noncurrent loans | 288.0841% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.6305% | 2,669 |
| Noncurrent loans to loans | 0.5169% | 3,204 |
| Net loans and leases to total assets | 76.9381% | 1,391 |
| Net loans and leases to deposits | 89.8012% | 1,753 |
| Net loans and leases to core deposits | 97.3685% | 1,866 |
| Total domestic deposits to total assets | 85.6760% | 2,534 |
| Equity capital to assets | 10.2418% | 3,630 |
| Core capital (leverage) ratio | 10.2301% | 3,235 |
| Tier 1 risk-based capital ratio | 12.3699% | 4,372 |
| Total risk-based capital ratio | 13.6217% | 4,262 |
| Memoranda: | ||
| Average total assets | $212,401,330 | 2,831 |
| Average earning assets | $194,839,330 | 2,857 |
| Average equity | $20,994,000 | 3,063 |
| Average total loans | $161,904,670 | 2,533 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0173% | 510 |
| Cost of funding earning assets | 0.6951% | 859 |
| Net interest margin | 4.3222% | 743 |
| Noninterest income to average assets | 0.5250% | 2,798 |
| Noninterest expense to average assets | 2.8130% | 2,744 |
| Loan and lease loss provision to assets | 0.0753% | 2,303 |
| Net operating income to assets | 0.9897% | 2,350 |
| Return on assets (ROA) | 0.9897% | 2,400 |
| Pretax return on assets | 1.6032% | 1,233 |
| Return on Equity (ROE) | 10.1975% | 1,877 |
| Retained earnings to average equity (ytd only) | 10.1975% | 768 |
| Net charge-offs to loans | -0.0475% | 5,160 |
| Credit loss provision to net charge-offs | -210.5263% | 4,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6309% | 4,054 |
| Assets per employee ($millions) | 3.7918% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5153% | 1,643 |
| Loan loss allowance to noncurrent loans | 369.3939% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5463% | 3,048 |
| Noncurrent loans to loans | 0.4102% | 3,625 |
| Net loans and leases to total assets | 74.6250% | 1,641 |
| Net loans and leases to deposits | 86.8992% | 1,925 |
| Net loans and leases to core deposits | 94.3157% | 1,955 |
| Total domestic deposits to total assets | 85.8754% | 2,732 |
| Equity capital to assets | 9.8569% | 3,924 |
| Core capital (leverage) ratio | 9.9919% | 3,507 |
| Tier 1 risk-based capital ratio | 12.1777% | 4,600 |
| Total risk-based capital ratio | 13.4297% | 4,496 |
| Memoranda: | ||
| Average total assets | $212,581,000 | 2,856 |
| Average earning assets | $195,085,500 | 2,877 |
| Average equity | $20,632,500 | 3,108 |
| Average total loans | $160,053,500 | 2,577 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1423% | 461 |
| Cost of funding earning assets | 0.6693% | 955 |
| Net interest margin | 4.4730% | 657 |
| Noninterest income to average assets | 0.4702% | 3,408 |
| Noninterest expense to average assets | 2.6553% | 3,508 |
| Loan and lease loss provision to assets | 0.1066% | 2,270 |
| Net operating income to assets | 1.1640% | 1,630 |
| Return on assets (ROA) | 1.1640% | 1,726 |
| Pretax return on assets | 1.8513% | 687 |
| Return on Equity (ROE) | 11.9684% | 1,254 |
| Retained earnings to average equity (ytd only) | 10.2346% | 379 |
| Net charge-offs to loans | 0.0411% | 3,208 |
| Credit loss provision to net charge-offs | 335.9375% | 901 |
| Earnings coverage of net charge-offs (x) | 61.6875% | 870 |
| Efficiency ratio | 57.5575% | 4,901 |
| Assets per employee ($millions) | 3.8695% | 4,192 |
| Cash dividends to net income (ytd only)* | 14.4866% | 3,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 1,691 |
| Loan loss allowance to noncurrent loans | 372.8840% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 3,133 |
| Noncurrent loans to loans | 0.4007% | 3,712 |
| Net loans and leases to total assets | 73.6913% | 1,900 |
| Net loans and leases to deposits | 85.4833% | 2,241 |
| Net loans and leases to core deposits | 93.2647% | 2,187 |
| Total domestic deposits to total assets | 86.2054% | 2,490 |
| Equity capital to assets | 9.5549% | 4,215 |
| Core capital (leverage) ratio | 9.8947% | 3,632 |
| Tier 1 risk-based capital ratio | 11.8079% | 4,853 |
| Total risk-based capital ratio | 13.0591% | 4,754 |
| Memoranda: | ||
| Average total assets | $201,637,600 | 2,938 |
| Average earning assets | $186,765,800 | 2,929 |
| Average equity | $19,610,000 | 3,207 |
| Average total loans | $155,616,600 | 2,570 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1887% | 432 |
| Cost of funding earning assets | 0.6548% | 1,036 |
| Net interest margin | 4.5339% | 583 |
| Noninterest income to average assets | 0.4908% | 3,318 |
| Noninterest expense to average assets | 2.6694% | 3,430 |
| Loan and lease loss provision to assets | 0.1140% | 2,029 |
| Net operating income to assets | 1.1815% | 1,700 |
| Return on assets (ROA) | 1.1815% | 1,805 |
| Pretax return on assets | 1.9137% | 687 |
| Return on Equity (ROE) | 12.0917% | 1,293 |
| Retained earnings to average equity (ytd only) | 9.7585% | 631 |
| Net charge-offs to loans | 0.0345% | 2,942 |
| Credit loss provision to net charge-offs | 425.0000% | 804 |
| Earnings coverage of net charge-offs (x) | 75.6029% | 821 |
| Efficiency ratio | 56.8308% | 4,978 |
| Assets per employee ($millions) | 4.0207% | 3,931 |
| Cash dividends to net income (ytd only)* | 19.2962% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 1,768 |
| Loan loss allowance to noncurrent loans | 404.4597% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.5589% | 3,231 |
| Noncurrent loans to loans | 0.3707% | 3,938 |
| Net loans and leases to total assets | 75.5505% | 1,604 |
| Net loans and leases to deposits | 88.3364% | 1,976 |
| Net loans and leases to core deposits | 96.6679% | 1,922 |
| Total domestic deposits to total assets | 85.5258% | 2,595 |
| Equity capital to assets | 9.8417% | 4,312 |
| Core capital (leverage) ratio | 9.8676% | 3,733 |
| Tier 1 risk-based capital ratio | 11.9220% | 4,836 |
| Total risk-based capital ratio | 13.1740% | 4,727 |
| Memoranda: | ||
| Average total assets | $198,841,250 | 2,980 |
| Average earning assets | $184,474,250 | 2,977 |
| Average equity | $19,428,750 | 3,244 |
| Average total loans | $154,718,000 | 2,584 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1891% | 433 |
| Cost of funding earning assets | 0.6376% | 1,102 |
| Net interest margin | 4.5516% | 549 |
| Noninterest income to average assets | 0.4736% | 3,378 |
| Noninterest expense to average assets | 2.7047% | 3,380 |
| Loan and lease loss provision to assets | 0.1321% | 1,730 |
| Net operating income to assets | 1.1526% | 1,768 |
| Return on assets (ROA) | 1.1526% | 1,885 |
| Pretax return on assets | 1.8672% | 748 |
| Return on Equity (ROE) | 11.8261% | 1,379 |
| Retained earnings to average equity (ytd only) | 11.8261% | 351 |
| Net charge-offs to loans | 0.0715% | 2,162 |
| Credit loss provision to net charge-offs | 236.3636% | 1,151 |
| Earnings coverage of net charge-offs (x) | 35.7636% | 1,244 |
| Efficiency ratio | 57.4978% | 4,972 |
| Assets per employee ($millions) | 3.9431% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 1,907 |
| Loan loss allowance to noncurrent loans | 321.1994% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.6955% | 2,894 |
| Noncurrent loans to loans | 0.4631% | 3,708 |
| Net loans and leases to total assets | 74.3840% | 1,758 |
| Net loans and leases to deposits | 84.7317% | 2,379 |
| Net loans and leases to core deposits | 94.7275% | 2,089 |
| Total domestic deposits to total assets | 87.7877% | 1,539 |
| Equity capital to assets | 9.7030% | 4,555 |
| Core capital (leverage) ratio | 10.0039% | 3,559 |
| Tier 1 risk-based capital ratio | 11.8536% | 4,940 |
| Total risk-based capital ratio | 13.1051% | 4,819 |
| Memoranda: | ||
| Average total assets | $196,770,000 | 3,017 |
| Average earning assets | $182,882,000 | 3,011 |
| Average equity | $19,178,000 | 3,277 |
| Average total loans | $153,864,670 | 2,601 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3487% | 320 |
| Cost of funding earning assets | 0.6235% | 1,197 |
| Net interest margin | 4.7252% | 410 |
| Noninterest income to average assets | 0.4402% | 3,546 |
| Noninterest expense to average assets | 2.7928% | 3,093 |
| Loan and lease loss provision to assets | 0.1557% | 1,345 |
| Net operating income to assets | 1.1711% | 1,640 |
| Return on assets (ROA) | 1.1711% | 1,747 |
| Pretax return on assets | 1.8979% | 692 |
| Return on Equity (ROE) | 11.9876% | 1,318 |
| Retained earnings to average equity (ytd only) | 11.9876% | 509 |
| Net charge-offs to loans | 0.0782% | 1,705 |
| Credit loss provision to net charge-offs | 250.0000% | 940 |
| Earnings coverage of net charge-offs (x) | 32.9667% | 1,129 |
| Efficiency ratio | 57.6264% | 5,039 |
| Assets per employee ($millions) | 3.7524% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4537% | 2,180 |
| Loan loss allowance to noncurrent loans | 474.5303% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.6099% | 3,238 |
| Noncurrent loans to loans | 0.3063% | 4,329 |
| Net loans and leases to total assets | 78.9678% | 955 |
| Net loans and leases to deposits | 90.2402% | 1,554 |
| Net loans and leases to core deposits | 100.7012% | 1,426 |
| Total domestic deposits to total assets | 87.5085% | 1,918 |
| Equity capital to assets | 9.8229% | 4,308 |
| Core capital (leverage) ratio | 9.9374% | 3,615 |
| Tier 1 risk-based capital ratio | 11.5504% | 5,204 |
| Total risk-based capital ratio | 12.8020% | 5,106 |
| Memoranda: | ||
| Average total assets | $192,635,000 | 3,069 |
| Average earning assets | $179,631,000 | 3,053 |
| Average equity | $18,819,500 | 3,327 |
| Average total loans | $153,387,000 | 2,602 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3294% | 353 |
| Cost of funding earning assets | 0.6100% | 1,313 |
| Net interest margin | 4.7194% | 436 |
| Noninterest income to average assets | 0.4016% | 4,023 |
| Noninterest expense to average assets | 2.7583% | 3,388 |
| Loan and lease loss provision to assets | 0.1650% | 1,391 |
| Net operating income to assets | 1.1762% | 1,646 |
| Return on assets (ROA) | 1.1762% | 1,725 |
| Pretax return on assets | 1.8831% | 680 |
| Return on Equity (ROE) | 12.2806% | 1,234 |
| Retained earnings to average equity (ytd only) | 12.2806% | 237 |
| Net charge-offs to loans | 0.0711% | 2,823 |
| Credit loss provision to net charge-offs | 300.0000% | 982 |
| Earnings coverage of net charge-offs (x) | 37.2300% | 1,238 |
| Efficiency ratio | 57.3881% | 5,212 |
| Assets per employee ($millions) | 3.6566% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 2,100 |
| Loan loss allowance to noncurrent loans | 728.1046% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 3,487 |
| Noncurrent loans to loans | 0.2034% | 4,689 |
| Net loans and leases to total assets | 77.9337% | 1,131 |
| Net loans and leases to deposits | 88.9601% | 1,752 |
| Net loans and leases to core deposits | 97.8358% | 1,686 |
| Total domestic deposits to total assets | 87.6052% | 1,843 |
| Equity capital to assets | 9.7147% | 4,280 |
| Core capital (leverage) ratio | 9.9074% | 3,632 |
| Tier 1 risk-based capital ratio | 11.7066% | 5,129 |
| Total risk-based capital ratio | 12.9583% | 5,045 |
| Memoranda: | ||
| Average total assets | $181,777,800 | 3,139 |
| Average earning assets | $169,663,000 | 3,131 |
| Average equity | $17,409,600 | 3,474 |
| Average total loans | $140,639,800 | 2,717 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3438% | 349 |
| Cost of funding earning assets | 0.6059% | 1,372 |
| Net interest margin | 4.7379% | 428 |
| Noninterest income to average assets | 0.3903% | 4,152 |
| Noninterest expense to average assets | 2.7403% | 3,423 |
| Loan and lease loss provision to assets | 0.1595% | 1,345 |
| Net operating income to assets | 1.1835% | 1,702 |
| Return on assets (ROA) | 1.1835% | 1,774 |
| Pretax return on assets | 1.9174% | 696 |
| Return on Equity (ROE) | 12.4044% | 1,266 |
| Retained earnings to average equity (ytd only) | 12.4044% | 325 |
| Net charge-offs to loans | 0.0714% | 2,542 |
| Credit loss provision to net charge-offs | 290.5405% | 990 |
| Earnings coverage of net charge-offs (x) | 37.8260% | 1,298 |
| Efficiency ratio | 56.8854% | 5,239 |
| Assets per employee ($millions) | 3.4724% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 2,215 |
| Loan loss allowance to noncurrent loans | 578.4000% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.6319% | 3,367 |
| Noncurrent loans to loans | 0.2570% | 4,657 |
| Net loans and leases to total assets | 78.1104% | 1,081 |
| Net loans and leases to deposits | 89.4776% | 1,713 |
| Net loans and leases to core deposits | 98.5879% | 1,643 |
| Total domestic deposits to total assets | 87.2960% | 1,894 |
| Equity capital to assets | 9.7584% | 4,435 |
| Core capital (leverage) ratio | 9.9523% | 3,708 |
| Tier 1 risk-based capital ratio | 11.6867% | 5,273 |
| Total risk-based capital ratio | 12.9387% | 5,195 |
| Memoranda: | ||
| Average total assets | $179,686,000 | 3,193 |
| Average earning assets | $167,891,500 | 3,177 |
| Average equity | $17,144,000 | 3,535 |
| Average total loans | $138,196,000 | 2,764 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3128% | 356 |
| Cost of funding earning assets | 0.6041% | 1,382 |
| Net interest margin | 4.7087% | 438 |
| Noninterest income to average assets | 0.3782% | 4,246 |
| Noninterest expense to average assets | 2.7155% | 3,543 |
| Loan and lease loss provision to assets | 0.1122% | 1,961 |
| Net operating income to assets | 1.1984% | 1,603 |
| Return on assets (ROA) | 1.1984% | 1,680 |
| Pretax return on assets | 1.9413% | 677 |
| Return on Equity (ROE) | 12.6598% | 1,180 |
| Retained earnings to average equity (ytd only) | 12.6598% | 336 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9412% | 5,347 |
| Assets per employee ($millions) | 3.6015% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 2,215 |
| Loan loss allowance to noncurrent loans | 213.2265% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 1.0462% | 2,413 |
| Noncurrent loans to loans | 0.7122% | 3,354 |
| Net loans and leases to total assets | 76.6349% | 1,283 |
| Net loans and leases to deposits | 88.1193% | 1,823 |
| Net loans and leases to core deposits | 93.6444% | 1,995 |
| Total domestic deposits to total assets | 86.9672% | 2,186 |
| Equity capital to assets | 9.6159% | 4,512 |
| Core capital (leverage) ratio | 9.8221% | 3,836 |
| Tier 1 risk-based capital ratio | 11.7573% | 5,306 |
| Total risk-based capital ratio | 13.0092% | 5,213 |
| Memoranda: | ||
| Average total assets | $178,235,670 | 3,239 |
| Average earning assets | $166,203,000 | 3,217 |
| Average equity | $16,872,330 | 3,585 |
| Average total loans | $135,621,000 | 2,818 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2361% | 387 |
| Cost of funding earning assets | 0.6033% | 1,411 |
| Net interest margin | 4.6328% | 468 |
| Noninterest income to average assets | 0.3609% | 4,320 |
| Noninterest expense to average assets | 2.7589% | 3,390 |
| Loan and lease loss provision to assets | 0.0677% | 2,589 |
| Net operating income to assets | 1.1415% | 1,725 |
| Return on assets (ROA) | 1.1415% | 1,832 |
| Pretax return on assets | 1.8476% | 796 |
| Return on Equity (ROE) | 12.1558% | 1,303 |
| Retained earnings to average equity (ytd only) | 12.1558% | 548 |
| Net charge-offs to loans | -0.0060% | 4,549 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0251% | 5,225 |
| Assets per employee ($millions) | 3.4200% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 2,277 |
| Loan loss allowance to noncurrent loans | 220.0855% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 1.0313% | 2,559 |
| Noncurrent loans to loans | 0.7000% | 3,527 |
| Net loans and leases to total assets | 74.0282% | 1,492 |
| Net loans and leases to deposits | 84.1317% | 2,053 |
| Net loans and leases to core deposits | 89.3355% | 2,194 |
| Total domestic deposits to total assets | 87.9908% | 1,829 |
| Equity capital to assets | 9.5058% | 4,746 |
| Core capital (leverage) ratio | 9.5644% | 4,186 |
| Tier 1 risk-based capital ratio | 12.3060% | 5,038 |
| Total risk-based capital ratio | 13.5590% | 4,952 |
| Memoranda: | ||
| Average total assets | $177,315,500 | 3,271 |
| Average earning assets | $165,083,500 | 3,249 |
| Average equity | $16,650,500 | 3,637 |
| Average total loans | $133,367,000 | 2,859 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3451% | 416 |
| Cost of funding earning assets | 0.5964% | 1,787 |
| Net interest margin | 4.7487% | 482 |
| Noninterest income to average assets | 0.3115% | 4,895 |
| Noninterest expense to average assets | 2.7514% | 3,668 |
| Loan and lease loss provision to assets | 0.2237% | 1,099 |
| Net operating income to assets | 1.0872% | 2,022 |
| Return on assets (ROA) | 1.1075% | 2,001 |
| Pretax return on assets | 1.7887% | 814 |
| Return on Equity (ROE) | 12.3706% | 1,303 |
| Retained earnings to average equity (ytd only) | 12.3706% | 271 |
| Net charge-offs to loans | 0.1179% | 2,861 |
| Credit loss provision to net charge-offs | 256.7568% | 997 |
| Earnings coverage of net charge-offs (x) | 22.7297% | 1,615 |
| Efficiency ratio | 58.1436% | 5,446 |
| Assets per employee ($millions) | 3.3357% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 2,366 |
| Loan loss allowance to noncurrent loans | 222.8571% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 1.0821% | 2,583 |
| Noncurrent loans to loans | 0.6841% | 3,633 |
| Net loans and leases to total assets | 74.0955% | 1,570 |
| Net loans and leases to deposits | 84.0024% | 2,216 |
| Net loans and leases to core deposits | 91.2329% | 2,162 |
| Total domestic deposits to total assets | 88.2065% | 1,656 |
| Equity capital to assets | 9.2742% | 4,974 |
| Core capital (leverage) ratio | 9.3390% | 4,477 |
| Tier 1 risk-based capital ratio | 12.5816% | 4,989 |
| Total risk-based capital ratio | 13.8354% | 4,901 |
| Memoranda: | ||
| Average total assets | $169,841,800 | 3,345 |
| Average earning assets | $158,107,200 | 3,311 |
| Average equity | $15,205,400 | 3,797 |
| Average total loans | $125,530,600 | 2,949 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3357% | 421 |
| Cost of funding earning assets | 0.5918% | 1,906 |
| Net interest margin | 4.7439% | 465 |
| Noninterest income to average assets | 0.3228% | 4,852 |
| Noninterest expense to average assets | 2.7435% | 3,655 |
| Loan and lease loss provision to assets | 0.2300% | 966 |
| Net operating income to assets | 1.0897% | 2,073 |
| Return on assets (ROA) | 1.1080% | 2,059 |
| Pretax return on assets | 1.7965% | 901 |
| Return on Equity (ROE) | 12.4943% | 1,341 |
| Retained earnings to average equity (ytd only) | 12.4943% | 377 |
| Net charge-offs to loans | 0.1402% | 2,393 |
| Credit loss provision to net charge-offs | 223.0769% | 1,164 |
| Earnings coverage of net charge-offs (x) | 19.3768% | 1,789 |
| Efficiency ratio | 57.8622% | 5,466 |
| Assets per employee ($millions) | 3.5142% | 4,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 2,774 |
| Loan loss allowance to noncurrent loans | 156.7308% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 1.2959% | 2,386 |
| Noncurrent loans to loans | 0.9504% | 3,183 |
| Net loans and leases to total assets | 73.6233% | 1,581 |
| Net loans and leases to deposits | 84.9389% | 2,041 |
| Net loans and leases to core deposits | 93.2971% | 1,931 |
| Total domestic deposits to total assets | 86.6779% | 2,488 |
| Equity capital to assets | 8.9455% | 5,408 |
| Core capital (leverage) ratio | 9.2946% | 4,645 |
| Tier 1 risk-based capital ratio | 12.3614% | 5,258 |
| Total risk-based capital ratio | 13.6145% | 5,188 |
| Memoranda: | ||
| Average total assets | $168,104,250 | 3,392 |
| Average earning assets | $156,577,500 | 3,352 |
| Average equity | $14,907,750 | 3,873 |
| Average total loans | $123,657,500 | 2,998 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2975% | 432 |
| Cost of funding earning assets | 0.5981% | 1,912 |
| Net interest margin | 4.6994% | 486 |
| Noninterest income to average assets | 0.3117% | 4,927 |
| Noninterest expense to average assets | 2.7457% | 3,714 |
| Loan and lease loss provision to assets | 0.2416% | 926 |
| Net operating income to assets | 1.0441% | 2,145 |
| Return on assets (ROA) | 1.0642% | 2,138 |
| Pretax return on assets | 1.7310% | 961 |
| Return on Equity (ROE) | 12.0374% | 1,411 |
| Retained earnings to average equity (ytd only) | 12.0374% | 423 |
| Net charge-offs to loans | 0.0941% | 2,730 |
| Credit loss provision to net charge-offs | 350.8772% | 761 |
| Earnings coverage of net charge-offs (x) | 28.1930% | 1,311 |
| Efficiency ratio | 58.5825% | 5,483 |
| Assets per employee ($millions) | 3.3240% | 5,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 2,874 |
| Loan loss allowance to noncurrent loans | 161.0465% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 1.2807% | 2,558 |
| Noncurrent loans to loans | 0.9348% | 3,379 |
| Net loans and leases to total assets | 74.8369% | 1,325 |
| Net loans and leases to deposits | 87.1667% | 1,685 |
| Net loans and leases to core deposits | 92.7694% | 1,878 |
| Total domestic deposits to total assets | 85.8549% | 3,121 |
| Equity capital to assets | 9.0130% | 5,286 |
| Core capital (leverage) ratio | 9.4271% | 4,436 |
| Tier 1 risk-based capital ratio | 12.3157% | 5,351 |
| Total risk-based capital ratio | 13.5690% | 5,268 |
| Memoranda: | ||
| Average total assets | $165,569,670 | 3,449 |
| Average earning assets | $154,148,000 | 3,410 |
| Average equity | $14,637,670 | 3,923 |
| Average total loans | $121,104,000 | 3,042 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2095% | 475 |
| Cost of funding earning assets | 0.6192% | 1,824 |
| Net interest margin | 4.5903% | 564 |
| Noninterest income to average assets | 0.3105% | 4,879 |
| Noninterest expense to average assets | 2.7507% | 3,745 |
| Loan and lease loss provision to assets | 0.2690% | 775 |
| Net operating income to assets | 0.9569% | 2,377 |
| Return on assets (ROA) | 0.9976% | 2,278 |
| Pretax return on assets | 1.6138% | 1,144 |
| Return on Equity (ROE) | 11.3990% | 1,569 |
| Retained earnings to average equity (ytd only) | 11.3990% | 688 |
| Net charge-offs to loans | 0.1808% | 1,637 |
| Credit loss provision to net charge-offs | 207.5472% | 1,007 |
| Earnings coverage of net charge-offs (x) | 14.0377% | 1,630 |
| Efficiency ratio | 60.1926% | 5,375 |
| Assets per employee ($millions) | 3.3489% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 2,797 |
| Loan loss allowance to noncurrent loans | 122.6340% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 1.6466% | 2,142 |
| Noncurrent loans to loans | 1.2881% | 2,880 |
| Net loans and leases to total assets | 70.3566% | 1,827 |
| Net loans and leases to deposits | 79.8030% | 2,320 |
| Net loans and leases to core deposits | 84.3675% | 2,474 |
| Total domestic deposits to total assets | 88.1629% | 2,132 |
| Equity capital to assets | 8.8620% | 5,261 |
| Core capital (leverage) ratio | 9.1701% | 4,761 |
| Tier 1 risk-based capital ratio | 12.7192% | 5,177 |
| Total risk-based capital ratio | 13.9731% | 5,111 |
| Memoranda: | ||
| Average total assets | $163,593,500 | 3,503 |
| Average earning assets | $151,799,000 | 3,476 |
| Average equity | $14,317,000 | 3,986 |
| Average total loans | $117,254,000 | 3,134 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2198% | 610 |
| Cost of funding earning assets | 0.7427% | 1,547 |
| Net interest margin | 4.4771% | 771 |
| Noninterest income to average assets | 0.3288% | 4,985 |
| Noninterest expense to average assets | 2.7497% | 3,912 |
| Loan and lease loss provision to assets | 0.4233% | 701 |
| Net operating income to assets | 0.8105% | 3,241 |
| Return on assets (ROA) | 0.8172% | 3,304 |
| Pretax return on assets | 1.3270% | 2,046 |
| Return on Equity (ROE) | 9.5391% | 2,316 |
| Retained earnings to average equity (ytd only) | 5.8867% | 2,047 |
| Net charge-offs to loans | 0.5504% | 1,201 |
| Credit loss provision to net charge-offs | 108.6614% | 2,212 |
| Earnings coverage of net charge-offs (x) | 4.4661% | 3,560 |
| Efficiency ratio | 61.2462% | 5,322 |
| Assets per employee ($millions) | 3.3978% | 5,094 |
| Cash dividends to net income (ytd only)* | 38.2883% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 3,043 |
| Loan loss allowance to noncurrent loans | 117.5393% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.6138% | 2,297 |
| Noncurrent loans to loans | 1.3037% | 2,959 |
| Net loans and leases to total assets | 70.7621% | 1,891 |
| Net loans and leases to deposits | 80.1433% | 2,440 |
| Net loans and leases to core deposits | 84.5864% | 2,602 |
| Total domestic deposits to total assets | 88.2944% | 2,010 |
| Equity capital to assets | 8.6405% | 5,437 |
| Core capital (leverage) ratio | 9.0681% | 4,907 |
| Tier 1 risk-based capital ratio | 12.7350% | 5,152 |
| Total risk-based capital ratio | 13.9889% | 5,094 |
| Memoranda: | ||
| Average total assets | $162,999,800 | 3,514 |
| Average earning assets | $151,480,600 | 3,477 |
| Average equity | $13,963,600 | 4,079 |
| Average total loans | $115,379,200 | 3,141 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1664% | 694 |
| Cost of funding earning assets | 0.7705% | 1,479 |
| Net interest margin | 4.3959% | 902 |
| Noninterest income to average assets | 0.3141% | 5,192 |
| Noninterest expense to average assets | 2.7169% | 3,958 |
| Loan and lease loss provision to assets | 0.4500% | 633 |
| Net operating income to assets | 0.7601% | 3,558 |
| Return on assets (ROA) | 0.7690% | 3,637 |
| Pretax return on assets | 1.2451% | 2,529 |
| Return on Equity (ROE) | 8.9962% | 2,636 |
| Retained earnings to average equity (ytd only) | 4.1153% | 3,758 |
| Net charge-offs to loans | 0.6404% | 956 |
| Credit loss provision to net charge-offs | 99.6377% | 2,395 |
| Earnings coverage of net charge-offs (x) | 3.7228% | 3,622 |
| Efficiency ratio | 61.7746% | 5,165 |
| Assets per employee ($millions) | 3.3911% | 5,080 |
| Cash dividends to net income (ytd only)* | 54.2552% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 3,580 |
| Loan loss allowance to noncurrent loans | 81.5284% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 2.0573% | 1,959 |
| Noncurrent loans to loans | 1.8051% | 2,490 |
| Net loans and leases to total assets | 73.0492% | 1,442 |
| Net loans and leases to deposits | 83.0371% | 1,994 |
| Net loans and leases to core deposits | 87.9312% | 2,200 |
| Total domestic deposits to total assets | 87.9717% | 2,150 |
| Equity capital to assets | 8.6352% | 5,586 |
| Core capital (leverage) ratio | 8.8116% | 5,397 |
| Tier 1 risk-based capital ratio | 12.3907% | 5,523 |
| Total risk-based capital ratio | 13.6443% | 5,459 |
| Memoranda: | ||
| Average total assets | $162,976,500 | 3,552 |
| Average earning assets | $151,411,250 | 3,510 |
| Average equity | $13,931,500 | 4,128 |
| Average total loans | $114,923,000 | 3,163 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1057% | 765 |
| Cost of funding earning assets | 0.7948% | 1,443 |
| Net interest margin | 4.3110% | 1,006 |
| Noninterest income to average assets | 0.2619% | 5,586 |
| Noninterest expense to average assets | 2.7191% | 3,963 |
| Loan and lease loss provision to assets | 0.4507% | 645 |
| Net operating income to assets | 0.6773% | 3,919 |
| Return on assets (ROA) | 0.6773% | 4,080 |
| Pretax return on assets | 1.0964% | 3,108 |
| Return on Equity (ROE) | 7.9499% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.9499% | 1,507 |
| Net charge-offs to loans | 0.9206% | 674 |
| Credit loss provision to net charge-offs | 70.6107% | 2,808 |
| Earnings coverage of net charge-offs (x) | 2.4237% | 3,712 |
| Efficiency ratio | 63.7350% | 4,906 |
| Assets per employee ($millions) | 3.2706% | 5,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 4,107 |
| Loan loss allowance to noncurrent loans | 71.7126% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 2.1965% | 1,968 |
| Noncurrent loans to loans | 1.9317% | 2,471 |
| Net loans and leases to total assets | 69.0864% | 2,054 |
| Net loans and leases to deposits | 78.4317% | 2,520 |
| Net loans and leases to core deposits | 82.9165% | 2,706 |
| Total domestic deposits to total assets | 88.0848% | 2,187 |
| Equity capital to assets | 8.5575% | 5,709 |
| Core capital (leverage) ratio | 8.6309% | 5,517 |
| Tier 1 risk-based capital ratio | 12.5803% | 5,444 |
| Total risk-based capital ratio | 13.8323% | 5,384 |
| Memoranda: | ||
| Average total assets | $164,174,330 | 3,557 |
| Average earning assets | $152,495,000 | 3,505 |
| Average equity | $13,987,670 | 4,151 |
| Average total loans | $113,841,670 | 3,196 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1675% | 654 |
| Cost of funding earning assets | 0.8067% | 1,491 |
| Net interest margin | 4.3608% | 860 |
| Noninterest income to average assets | 0.1654% | 6,269 |
| Noninterest expense to average assets | 2.6943% | 4,087 |
| Loan and lease loss provision to assets | 0.4255% | 706 |
| Net operating income to assets | 0.6760% | 3,804 |
| Return on assets (ROA) | 0.6760% | 3,964 |
| Pretax return on assets | 1.0942% | 2,976 |
| Return on Equity (ROE) | 7.9517% | 3,002 |
| Retained earnings to average equity (ytd only) | 7.9517% | 1,770 |
| Net charge-offs to loans | 0.7120% | 860 |
| Credit loss provision to net charge-offs | 86.6337% | 2,074 |
| Earnings coverage of net charge-offs (x) | 3.0941% | 2,841 |
| Efficiency ratio | 63.9354% | 5,017 |
| Assets per employee ($millions) | 3.3903% | 5,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5211% | 3,731 |
| Loan loss allowance to noncurrent loans | 81.1553% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.9945% | 2,354 |
| Noncurrent loans to loans | 1.8743% | 2,767 |
| Net loans and leases to total assets | 65.4609% | 2,463 |
| Net loans and leases to deposits | 74.1117% | 2,903 |
| Net loans and leases to core deposits | 78.0406% | 3,058 |
| Total domestic deposits to total assets | 88.3273% | 2,112 |
| Equity capital to assets | 8.3096% | 6,182 |
| Core capital (leverage) ratio | 8.5464% | 5,513 |
| Tier 1 risk-based capital ratio | 12.3688% | 5,662 |
| Total risk-based capital ratio | 13.6225% | 5,612 |
| Memoranda: | ||
| Average total assets | $164,496,500 | 3,587 |
| Average earning assets | $152,723,500 | 3,547 |
| Average equity | $13,984,500 | 4,202 |
| Average total loans | $113,480,500 | 3,220 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4852% | 643 |
| Cost of funding earning assets | 0.9546% | 1,614 |
| Net interest margin | 4.5306% | 890 |
| Noninterest income to average assets | 0.3716% | 4,818 |
| Noninterest expense to average assets | 2.6861% | 4,451 |
| Loan and lease loss provision to assets | 0.3887% | 1,678 |
| Net operating income to assets | 0.9029% | 2,802 |
| Return on assets (ROA) | 0.9836% | 2,635 |
| Pretax return on assets | 1.5955% | 1,403 |
| Return on Equity (ROE) | 11.0350% | 1,795 |
| Retained earnings to average equity (ytd only) | 8.0295% | 1,112 |
| Net charge-offs to loans | 0.2692% | 3,322 |
| Credit loss provision to net charge-offs | 204.1379% | 1,258 |
| Earnings coverage of net charge-offs (x) | 9.7586% | 2,228 |
| Efficiency ratio | 59.1100% | 5,685 |
| Assets per employee ($millions) | 3.4669% | 5,077 |
| Cash dividends to net income (ytd only)* | 27.2363% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 3,649 |
| Loan loss allowance to noncurrent loans | 118.1140% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 1.6723% | 2,888 |
| Noncurrent loans to loans | 1.2898% | 3,682 |
| Net loans and leases to total assets | 70.5677% | 1,734 |
| Net loans and leases to deposits | 79.3703% | 2,366 |
| Net loans and leases to core deposits | 83.3395% | 2,627 |
| Total domestic deposits to total assets | 88.9094% | 1,626 |
| Equity capital to assets | 8.7053% | 5,848 |
| Core capital (leverage) ratio | 8.7709% | 5,227 |
| Tier 1 risk-based capital ratio | 12.2644% | 5,623 |
| Total risk-based capital ratio | 13.5183% | 5,576 |
| Memoranda: | ||
| Average total assets | $152,304,200 | 3,734 |
| Average earning assets | $140,268,000 | 3,722 |
| Average equity | $13,575,000 | 4,240 |
| Average total loans | $107,741,600 | 3,342 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5074% | 670 |
| Cost of funding earning assets | 0.9797% | 1,682 |
| Net interest margin | 4.5277% | 940 |
| Noninterest income to average assets | 0.4066% | 4,589 |
| Noninterest expense to average assets | 2.6983% | 4,371 |
| Loan and lease loss provision to assets | 0.3056% | 2,163 |
| Net operating income to assets | 0.9658% | 2,680 |
| Return on assets (ROA) | 0.9851% | 2,814 |
| Pretax return on assets | 1.5963% | 1,586 |
| Return on Equity (ROE) | 10.9841% | 1,966 |
| Retained earnings to average equity (ytd only) | 6.9539% | 2,157 |
| Net charge-offs to loans | 0.1319% | 4,063 |
| Credit loss provision to net charge-offs | 328.5714% | 815 |
| Earnings coverage of net charge-offs (x) | 20.1233% | 1,458 |
| Efficiency ratio | 59.0425% | 5,655 |
| Assets per employee ($millions) | 3.3486% | 5,324 |
| Cash dividends to net income (ytd only)* | 36.6909% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 3,714 |
| Loan loss allowance to noncurrent loans | 97.6731% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 2.0859% | 2,551 |
| Noncurrent loans to loans | 1.5916% | 3,400 |
| Net loans and leases to total assets | 69.0270% | 2,108 |
| Net loans and leases to deposits | 76.5854% | 2,895 |
| Net loans and leases to core deposits | 81.1530% | 3,072 |
| Total domestic deposits to total assets | 90.1308% | 774 |
| Equity capital to assets | 9.0116% | 5,815 |
| Core capital (leverage) ratio | 8.8146% | 5,323 |
| Tier 1 risk-based capital ratio | 12.4718% | 5,663 |
| Total risk-based capital ratio | 13.7259% | 5,625 |
| Memoranda: | ||
| Average total assets | $150,510,750 | 3,812 |
| Average earning assets | $138,404,000 | 3,782 |
| Average equity | $13,498,000 | 4,296 |
| Average total loans | $106,106,750 | 3,410 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5365% | 668 |
| Cost of funding earning assets | 0.9966% | 1,785 |
| Net interest margin | 4.5399% | 925 |
| Noninterest income to average assets | 0.4714% | 4,122 |
| Noninterest expense to average assets | 2.6183% | 4,718 |
| Loan and lease loss provision to assets | 0.3817% | 1,712 |
| Net operating income to assets | 1.0141% | 2,404 |
| Return on assets (ROA) | 1.0433% | 2,508 |
| Pretax return on assets | 1.6901% | 1,285 |
| Return on Equity (ROE) | 11.6527% | 1,786 |
| Retained earnings to average equity (ytd only) | 11.6527% | 636 |
| Net charge-offs to loans | 0.1251% | 3,928 |
| Credit loss provision to net charge-offs | 431.8182% | 685 |
| Earnings coverage of net charge-offs (x) | 22.9242% | 1,269 |
| Efficiency ratio | 56.3725% | 6,077 |
| Assets per employee ($millions) | 3.5278% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 3,762 |
| Loan loss allowance to noncurrent loans | 59.4265% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 2.7878% | 1,975 |
| Noncurrent loans to loans | 2.6166% | 2,294 |
| Net loans and leases to total assets | 69.1963% | 2,071 |
| Net loans and leases to deposits | 76.3948% | 2,928 |
| Net loans and leases to core deposits | 80.3515% | 3,168 |
| Total domestic deposits to total assets | 90.5772% | 624 |
| Equity capital to assets | 9.1281% | 5,552 |
| Core capital (leverage) ratio | 9.0076% | 4,906 |
| Tier 1 risk-based capital ratio | 12.6914% | 5,421 |
| Total risk-based capital ratio | 13.9455% | 5,392 |
| Memoranda: | ||
| Average total assets | $149,336,330 | 3,852 |
| Average earning assets | $137,271,330 | 3,826 |
| Average equity | $13,370,330 | 4,324 |
| Average total loans | $105,474,330 | 3,446 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6442% | 580 |
| Cost of funding earning assets | 1.0284% | 1,824 |
| Net interest margin | 4.6159% | 801 |
| Noninterest income to average assets | 0.5265% | 3,725 |
| Noninterest expense to average assets | 2.8645% | 3,767 |
| Loan and lease loss provision to assets | 0.4725% | 1,294 |
| Net operating income to assets | 0.8829% | 3,004 |
| Return on assets (ROA) | 0.8829% | 3,222 |
| Pretax return on assets | 1.4309% | 2,087 |
| Return on Equity (ROE) | 9.9604% | 2,416 |
| Retained earnings to average equity (ytd only) | 9.9604% | 1,277 |
| Net charge-offs to loans | 0.1868% | 2,982 |
| Credit loss provision to net charge-offs | 357.1429% | 861 |
| Earnings coverage of net charge-offs (x) | 14.3878% | 1,472 |
| Efficiency ratio | 60.0793% | 5,599 |
| Assets per employee ($millions) | 3.3273% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 4,126 |
| Loan loss allowance to noncurrent loans | 111.7857% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 2.0143% | 2,876 |
| Noncurrent loans to loans | 1.3466% | 4,094 |
| Net loans and leases to total assets | 68.3904% | 2,046 |
| Net loans and leases to deposits | 75.4502% | 2,897 |
| Net loans and leases to core deposits | 79.2467% | 3,147 |
| Total domestic deposits to total assets | 90.6432% | 718 |
| Equity capital to assets | 8.8633% | 5,679 |
| Core capital (leverage) ratio | 8.7266% | 5,256 |
| Tier 1 risk-based capital ratio | 12.5869% | 5,531 |
| Total risk-based capital ratio | 13.8399% | 5,495 |
| Memoranda: | ||
| Average total assets | $148,156,500 | 3,905 |
| Average earning assets | $136,139,500 | 3,882 |
| Average equity | $13,132,000 | 4,381 |
| Average total loans | $104,898,500 | 3,483 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8164% | 621 |
| Cost of funding earning assets | 1.2263% | 1,864 |
| Net interest margin | 4.5901% | 940 |
| Noninterest income to average assets | 0.4344% | 4,336 |
| Noninterest expense to average assets | 2.9764% | 3,681 |
| Loan and lease loss provision to assets | 0.3291% | 3,049 |
| Net operating income to assets | 0.8503% | 2,820 |
| Return on assets (ROA) | 0.9092% | 2,685 |
| Pretax return on assets | 1.4746% | 1,547 |
| Return on Equity (ROE) | 10.4315% | 1,899 |
| Retained earnings to average equity (ytd only) | 7.4396% | 1,299 |
| Net charge-offs to loans | 0.4293% | 3,285 |
| Credit loss provision to net charge-offs | 104.1943% | 3,304 |
| Earnings coverage of net charge-offs (x) | 5.4194% | 2,797 |
| Efficiency ratio | 63.4890% | 5,215 |
| Assets per employee ($millions) | 3.3314% | 5,428 |
| Cash dividends to net income (ytd only)* | 28.6810% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 4,633 |
| Loan loss allowance to noncurrent loans | 84.3494% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.9648% | 3,014 |
| Noncurrent loans to loans | 1.6120% | 3,740 |
| Net loans and leases to total assets | 71.2170% | 1,787 |
| Net loans and leases to deposits | 78.5493% | 2,747 |
| Net loans and leases to core deposits | 82.3632% | 3,125 |
| Total domestic deposits to total assets | 90.6654% | 641 |
| Equity capital to assets | 8.8639% | 5,717 |
| Core capital (leverage) ratio | 8.7463% | 5,181 |
| Tier 1 risk-based capital ratio | 12.2488% | 5,648 |
| Total risk-based capital ratio | 13.5006% | 5,618 |
| Memoranda: | ||
| Average total assets | $143,426,600 | 3,922 |
| Average earning assets | $132,916,200 | 3,869 |
| Average equity | $12,500,600 | 4,443 |
| Average total loans | $105,520,000 | 3,486 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8273% | 664 |
| Cost of funding earning assets | 1.2591% | 1,943 |
| Net interest margin | 4.5683% | 1,009 |
| Noninterest income to average assets | 0.4365% | 4,390 |
| Noninterest expense to average assets | 2.9491% | 3,745 |
| Loan and lease loss provision to assets | 0.2963% | 3,156 |
| Net operating income to assets | 0.8833% | 2,807 |
| Return on assets (ROA) | 0.9114% | 2,832 |
| Pretax return on assets | 1.4778% | 1,711 |
| Return on Equity (ROE) | 10.5027% | 2,031 |
| Retained earnings to average equity (ytd only) | 6.4739% | 2,253 |
| Net charge-offs to loans | 0.4742% | 2,841 |
| Credit loss provision to net charge-offs | 84.5333% | 3,980 |
| Earnings coverage of net charge-offs (x) | 4.9360% | 2,916 |
| Efficiency ratio | 63.0244% | 5,235 |
| Assets per employee ($millions) | 3.2776% | 5,522 |
| Cash dividends to net income (ytd only)* | 38.3586% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 5,029 |
| Loan loss allowance to noncurrent loans | 101.8699% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.6489% | 3,616 |
| Noncurrent loans to loans | 1.2721% | 4,408 |
| Net loans and leases to total assets | 71.9360% | 1,721 |
| Net loans and leases to deposits | 79.4317% | 2,734 |
| Net loans and leases to core deposits | 88.0556% | 2,482 |
| Total domestic deposits to total assets | 90.5633% | 603 |
| Equity capital to assets | 8.8882% | 5,873 |
| Core capital (leverage) ratio | 8.5169% | 5,686 |
| Tier 1 risk-based capital ratio | 12.0468% | 5,864 |
| Total risk-based capital ratio | 13.2980% | 5,849 |
| Memoranda: | ||
| Average total assets | $142,637,500 | 3,953 |
| Average earning assets | $132,476,250 | 3,904 |
| Average equity | $12,377,500 | 4,474 |
| Average total loans | $105,442,250 | 3,509 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7821% | 739 |
| Cost of funding earning assets | 1.2925% | 1,991 |
| Net interest margin | 4.4896% | 1,160 |
| Noninterest income to average assets | 0.4250% | 4,468 |
| Noninterest expense to average assets | 3.0159% | 3,575 |
| Loan and lease loss provision to assets | 0.3054% | 2,969 |
| Net operating income to assets | 0.7838% | 3,141 |
| Return on assets (ROA) | 0.8261% | 3,067 |
| Pretax return on assets | 1.3398% | 2,000 |
| Return on Equity (ROE) | 9.5988% | 2,268 |
| Retained earnings to average equity (ytd only) | 9.5988% | 936 |
| Net charge-offs to loans | 0.5021% | 2,596 |
| Credit loss provision to net charge-offs | 81.8868% | 3,712 |
| Earnings coverage of net charge-offs (x) | 4.2340% | 2,920 |
| Efficiency ratio | 65.6355% | 4,945 |
| Assets per employee ($millions) | 3.2876% | 5,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 5,042 |
| Loan loss allowance to noncurrent loans | 182.9333% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 1.2927% | 4,313 |
| Noncurrent loans to loans | 0.7131% | 5,488 |
| Net loans and leases to total assets | 71.7602% | 1,830 |
| Net loans and leases to deposits | 78.9354% | 2,975 |
| Net loans and leases to core deposits | 82.6979% | 3,403 |
| Total domestic deposits to total assets | 90.9100% | 531 |
| Equity capital to assets | 8.7422% | 5,883 |
| Core capital (leverage) ratio | 8.5796% | 5,432 |
| Tier 1 risk-based capital ratio | 12.0736% | 5,727 |
| Total risk-based capital ratio | 13.3252% | 5,692 |
| Memoranda: | ||
| Average total assets | $142,112,330 | 3,991 |
| Average earning assets | $131,992,670 | 3,943 |
| Average equity | $12,230,670 | 4,499 |
| Average total loans | $105,555,330 | 3,548 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7408% | 812 |
| Cost of funding earning assets | 1.3274% | 2,023 |
| Net interest margin | 4.4134% | 1,248 |
| Noninterest income to average assets | 0.4402% | 4,361 |
| Noninterest expense to average assets | 3.0673% | 3,398 |
| Loan and lease loss provision to assets | 0.4459% | 1,978 |
| Net operating income to assets | 0.6333% | 3,844 |
| Return on assets (ROA) | 0.6333% | 3,916 |
| Pretax return on assets | 1.0253% | 3,043 |
| Return on Equity (ROE) | 7.4191% | 3,190 |
| Retained earnings to average equity (ytd only) | 7.4191% | 1,977 |
| Net charge-offs to loans | 0.8473% | 1,557 |
| Credit loss provision to net charge-offs | 70.0893% | 3,351 |
| Earnings coverage of net charge-offs (x) | 2.3125% | 3,153 |
| Efficiency ratio | 67.5845% | 4,744 |
| Assets per employee ($millions) | 3.2298% | 5,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 5,200 |
| Loan loss allowance to noncurrent loans | 268.9861% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 1.1477% | 4,643 |
| Noncurrent loans to loans | 0.4781% | 6,061 |
| Net loans and leases to total assets | 73.0770% | 1,501 |
| Net loans and leases to deposits | 80.1626% | 2,697 |
| Net loans and leases to core deposits | 84.5504% | 3,091 |
| Total domestic deposits to total assets | 91.1610% | 548 |
| Equity capital to assets | 8.5322% | 5,864 |
| Core capital (leverage) ratio | 8.5097% | 5,432 |
| Tier 1 risk-based capital ratio | 11.8171% | 5,845 |
| Total risk-based capital ratio | 13.0686% | 5,840 |
| Memoranda: | ||
| Average total assets | $140,841,500 | 4,048 |
| Average earning assets | $130,782,500 | 4,009 |
| Average equity | $12,023,000 | 4,543 |
| Average total loans | $105,745,000 | 3,584 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1293% | 659 |
| Cost of funding earning assets | 1.7434% | 1,405 |
| Net interest margin | 4.3859% | 1,529 |
| Noninterest income to average assets | 0.4645% | 4,412 |
| Noninterest expense to average assets | 3.0082% | 3,819 |
| Loan and lease loss provision to assets | 0.5243% | 3,051 |
| Net operating income to assets | 0.6069% | 3,643 |
| Return on assets (ROA) | 0.6474% | 3,605 |
| Pretax return on assets | 1.0500% | 2,775 |
| Return on Equity (ROE) | 7.5530% | 2,870 |
| Retained earnings to average equity (ytd only) | 2.6969% | 3,974 |
| Net charge-offs to loans | 0.4797% | 3,702 |
| Credit loss provision to net charge-offs | 144.4444% | 2,572 |
| Earnings coverage of net charge-offs (x) | 4.1627% | 3,034 |
| Efficiency ratio | 66.5657% | 4,851 |
| Assets per employee ($millions) | 3.3232% | 5,377 |
| Cash dividends to net income (ytd only)* | 64.2937% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3360% | 4,820 |
| Loan loss allowance to noncurrent loans | 138.4016% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 1.3964% | 4,247 |
| Noncurrent loans to loans | 0.9653% | 5,120 |
| Net loans and leases to total assets | 75.1343% | 1,448 |
| Net loans and leases to deposits | 82.3748% | 2,732 |
| Net loans and leases to core deposits | 87.0144% | 3,183 |
| Total domestic deposits to total assets | 91.2104% | 502 |
| Equity capital to assets | 8.5410% | 5,803 |
| Core capital (leverage) ratio | 8.4143% | 5,510 |
| Tier 1 risk-based capital ratio | 11.5326% | 5,876 |
| Total risk-based capital ratio | 12.7840% | 5,885 |
| Memoranda: | ||
| Average total assets | $138,854,600 | 4,074 |
| Average earning assets | $128,366,800 | 4,055 |
| Average equity | $11,902,600 | 4,636 |
| Average total loans | $105,057,000 | 3,653 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1703% | 654 |
| Cost of funding earning assets | 1.8311% | 1,298 |
| Net interest margin | 4.3392% | 1,716 |
| Noninterest income to average assets | 0.4634% | 4,465 |
| Noninterest expense to average assets | 3.0392% | 3,609 |
| Loan and lease loss provision to assets | 0.4067% | 3,461 |
| Net operating income to assets | 0.6285% | 3,759 |
| Return on assets (ROA) | 0.6826% | 3,657 |
| Pretax return on assets | 1.1076% | 2,801 |
| Return on Equity (ROE) | 7.9563% | 2,924 |
| Retained earnings to average equity (ytd only) | 1.4792% | 5,208 |
| Net charge-offs to loans | 0.4150% | 3,631 |
| Credit loss provision to net charge-offs | 129.7546% | 3,120 |
| Earnings coverage of net charge-offs (x) | 4.5613% | 2,996 |
| Efficiency ratio | 68.0077% | 4,463 |
| Assets per employee ($millions) | 3.3120% | 5,426 |
| Cash dividends to net income (ytd only)* | 81.4090% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 5,511 |
| Loan loss allowance to noncurrent loans | 90.4829% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 1.5161% | 4,176 |
| Noncurrent loans to loans | 1.3230% | 4,654 |
| Net loans and leases to total assets | 76.7185% | 1,276 |
| Net loans and leases to deposits | 85.1010% | 2,500 |
| Net loans and leases to core deposits | 90.9207% | 2,969 |
| Total domestic deposits to total assets | 90.1500% | 803 |
| Equity capital to assets | 8.4950% | 6,280 |
| Core capital (leverage) ratio | 8.2401% | 5,976 |
| Tier 1 risk-based capital ratio | 11.1931% | 6,198 |
| Total risk-based capital ratio | 12.4430% | 6,194 |
| Memoranda: | ||
| Average total assets | $138,674,750 | 4,131 |
| Average earning assets | $128,008,000 | 4,110 |
| Average equity | $11,898,000 | 4,707 |
| Average total loans | $104,749,250 | 3,717 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1618% | 670 |
| Cost of funding earning assets | 1.9180% | 1,175 |
| Net interest margin | 4.2438% | 1,992 |
| Noninterest income to average assets | 0.4389% | 4,616 |
| Noninterest expense to average assets | 2.9798% | 3,782 |
| Loan and lease loss provision to assets | 0.3292% | 3,768 |
| Net operating income to assets | 0.6362% | 3,699 |
| Return on assets (ROA) | 0.7175% | 3,472 |
| Pretax return on assets | 1.1636% | 2,542 |
| Return on Equity (ROE) | 8.3354% | 2,745 |
| Retained earnings to average equity (ytd only) | 8.3354% | 1,319 |
| Net charge-offs to loans | 0.3203% | 3,720 |
| Credit loss provision to net charge-offs | 137.3494% | 2,921 |
| Earnings coverage of net charge-offs (x) | 5.6988% | 2,614 |
| Efficiency ratio | 68.5714% | 4,463 |
| Assets per employee ($millions) | 3.2687% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 5,559 |
| Loan loss allowance to noncurrent loans | 119.3548% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 1.3205% | 4,511 |
| Noncurrent loans to loans | 0.9879% | 5,328 |
| Net loans and leases to total assets | 75.0091% | 1,692 |
| Net loans and leases to deposits | 82.4714% | 3,187 |
| Net loans and leases to core deposits | 87.1076% | 3,674 |
| Total domestic deposits to total assets | 90.9516% | 503 |
| Equity capital to assets | 8.7347% | 5,835 |
| Core capital (leverage) ratio | 8.6239% | 5,198 |
| Tier 1 risk-based capital ratio | 11.4460% | 5,827 |
| Total risk-based capital ratio | 12.6543% | 5,840 |
| Memoranda: | ||
| Average total assets | $138,531,000 | 4,164 |
| Average earning assets | $127,527,670 | 4,146 |
| Average equity | $11,925,000 | 4,700 |
| Average total loans | $103,661,330 | 3,780 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1937% | 649 |
| Cost of funding earning assets | 1.9940% | 1,107 |
| Net interest margin | 4.1997% | 2,040 |
| Noninterest income to average assets | 0.4567% | 4,409 |
| Noninterest expense to average assets | 3.0105% | 3,640 |
| Loan and lease loss provision to assets | 0.3869% | 3,041 |
| Net operating income to assets | 0.5701% | 4,032 |
| Return on assets (ROA) | 0.5701% | 4,176 |
| Pretax return on assets | 0.9250% | 3,369 |
| Return on Equity (ROE) | 6.6729% | 3,533 |
| Retained earnings to average equity (ytd only) | 6.6729% | 2,291 |
| Net charge-offs to loans | 0.6461% | 2,211 |
| Credit loss provision to net charge-offs | 80.6061% | 3,864 |
| Earnings coverage of net charge-offs (x) | 2.7333% | 3,178 |
| Efficiency ratio | 69.6501% | 4,385 |
| Assets per employee ($millions) | 3.2720% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 5,856 |
| Loan loss allowance to noncurrent loans | 144.9564% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 1.1839% | 4,809 |
| Noncurrent loans to loans | 0.7807% | 5,765 |
| Net loans and leases to total assets | 73.9945% | 1,972 |
| Net loans and leases to deposits | 81.2359% | 3,419 |
| Net loans and leases to core deposits | 85.8756% | 3,917 |
| Total domestic deposits to total assets | 91.0860% | 506 |
| Equity capital to assets | 8.6353% | 5,826 |
| Core capital (leverage) ratio | 8.4416% | 5,479 |
| Tier 1 risk-based capital ratio | 11.6124% | 5,564 |
| Total risk-based capital ratio | 12.7760% | 5,625 |
| Memoranda: | ||
| Average total assets | $137,519,000 | 4,235 |
| Average earning assets | $126,580,000 | 4,224 |
| Average equity | $11,749,000 | 4,779 |
| Average total loans | $102,148,500 | 3,883 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4988% | 675 |
| Cost of funding earning assets | 2.3227% | 1,573 |
| Net interest margin | 4.1761% | 2,151 |
| Noninterest income to average assets | 0.5264% | 4,206 |
| Noninterest expense to average assets | 3.0457% | 3,960 |
| Loan and lease loss provision to assets | 0.4682% | 4,019 |
| Net operating income to assets | 0.5144% | 3,675 |
| Return on assets (ROA) | 0.5144% | 3,770 |
| Pretax return on assets | 0.9267% | 2,835 |
| Return on Equity (ROE) | 5.9392% | 3,238 |
| Retained earnings to average equity (ytd only) | 0.6714% | 4,527 |
| Net charge-offs to loans | 0.3646% | 4,399 |
| Credit loss provision to net charge-offs | 173.9612% | 2,427 |
| Earnings coverage of net charge-offs (x) | 5.1828% | 2,667 |
| Efficiency ratio | 68.5863% | 4,906 |
| Assets per employee ($millions) | 3.3564% | 5,354 |
| Cash dividends to net income (ytd only)* | 88.6957% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 5,479 |
| Loan loss allowance to noncurrent loans | 128.1886% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 1.2586% | 4,572 |
| Noncurrent loans to loans | 0.9197% | 5,474 |
| Net loans and leases to total assets | 72.8492% | 2,543 |
| Net loans and leases to deposits | 80.0246% | 3,981 |
| Net loans and leases to core deposits | 126.6151% | 1,468 |
| Total domestic deposits to total assets | 91.0336% | 525 |
| Equity capital to assets | 8.4520% | 5,966 |
| Core capital (leverage) ratio | 8.4493% | 5,359 |
| Tier 1 risk-based capital ratio | 11.5193% | 5,378 |
| Total risk-based capital ratio | 12.7255% | 5,381 |
| Memoranda: | ||
| Average total assets | $134,124,800 | 4,259 |
| Average earning assets | $125,716,400 | 4,178 |
| Average equity | $11,617,800 | 4,834 |
| Average total loans | $99,012,800 | 3,980 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5168% | 722 |
| Cost of funding earning assets | 2.3871% | 1,677 |
| Net interest margin | 4.1297% | 2,286 |
| Noninterest income to average assets | 0.5223% | 4,300 |
| Noninterest expense to average assets | 2.8276% | 4,775 |
| Loan and lease loss provision to assets | 0.5533% | 3,169 |
| Net operating income to assets | 0.6374% | 3,463 |
| Return on assets (ROA) | 0.6374% | 3,531 |
| Pretax return on assets | 1.0326% | 2,801 |
| Return on Equity (ROE) | 7.3125% | 2,943 |
| Retained earnings to average equity (ytd only) | 0.2870% | 5,074 |
| Net charge-offs to loans | 0.3225% | 4,024 |
| Credit loss provision to net charge-offs | 232.3529% | 1,879 |
| Earnings coverage of net charge-offs (x) | 6.6596% | 2,558 |
| Efficiency ratio | 64.0671% | 5,739 |
| Assets per employee ($millions) | 3.3650% | 5,227 |
| Cash dividends to net income (ytd only)* | 96.0756% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 4,927 |
| Loan loss allowance to noncurrent loans | 117.8030% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 1.4086% | 4,287 |
| Noncurrent loans to loans | 1.0487% | 5,222 |
| Net loans and leases to total assets | 73.8895% | 2,559 |
| Net loans and leases to deposits | 83.9043% | 3,663 |
| Net loans and leases to core deposits | 132.2043% | 1,320 |
| Total domestic deposits to total assets | 88.0640% | 1,626 |
| Equity capital to assets | 8.5973% | 6,118 |
| Core capital (leverage) ratio | 8.5546% | 5,389 |
| Tier 1 risk-based capital ratio | 11.8735% | 5,086 |
| Total risk-based capital ratio | 13.1237% | 5,024 |
| Memoranda: | ||
| Average total assets | $133,252,750 | 4,295 |
| Average earning assets | $125,559,750 | 4,216 |
| Average equity | $11,614,500 | 4,894 |
| Average total loans | $98,404,500 | 4,032 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4539% | 911 |
| Cost of funding earning assets | 2.4332% | 1,834 |
| Net interest margin | 4.0207% | 2,611 |
| Noninterest income to average assets | 0.5422% | 4,096 |
| Noninterest expense to average assets | 2.7966% | 4,975 |
| Loan and lease loss provision to assets | 0.8027% | 2,085 |
| Net operating income to assets | 0.4548% | 4,273 |
| Return on assets (ROA) | 0.4548% | 4,385 |
| Pretax return on assets | 0.7379% | 3,873 |
| Return on Equity (ROE) | 5.1941% | 3,992 |
| Retained earnings to average equity (ytd only) | 5.1941% | 2,398 |
| Net charge-offs to loans | 0.2642% | 3,870 |
| Credit loss provision to net charge-offs | 413.1783% | 1,121 |
| Earnings coverage of net charge-offs (x) | 7.9302% | 2,356 |
| Efficiency ratio | 64.4792% | 5,808 |
| Assets per employee ($millions) | 3.2331% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 3,953 |
| Loan loss allowance to noncurrent loans | 140.3158% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 1.1467% | 4,649 |
| Noncurrent loans to loans | 0.9663% | 5,289 |
| Net loans and leases to total assets | 73.1619% | 2,918 |
| Net loans and leases to deposits | 83.4010% | 3,979 |
| Net loans and leases to core deposits | 130.3767% | 1,532 |
| Total domestic deposits to total assets | 87.7231% | 1,918 |
| Equity capital to assets | 8.8573% | 5,516 |
| Core capital (leverage) ratio | 8.8526% | 4,858 |
| Tier 1 risk-based capital ratio | 12.4949% | 4,526 |
| Total risk-based capital ratio | 13.7470% | 4,446 |
| Memoranda: | ||
| Average total assets | $132,803,330 | 4,330 |
| Average earning assets | $125,350,670 | 4,238 |
| Average equity | $11,628,670 | 4,905 |
| Average total loans | $97,639,330 | 4,076 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4972% | 870 |
| Cost of funding earning assets | 2.4432% | 2,131 |
| Net interest margin | 4.0540% | 2,441 |
| Noninterest income to average assets | 0.5236% | 4,107 |
| Noninterest expense to average assets | 2.6631% | 5,169 |
| Loan and lease loss provision to assets | 0.3009% | 3,540 |
| Net operating income to assets | 0.8546% | 2,891 |
| Return on assets (ROA) | 0.8546% | 3,047 |
| Pretax return on assets | 1.3842% | 2,012 |
| Return on Equity (ROE) | 9.8164% | 2,390 |
| Retained earnings to average equity (ytd only) | 9.8164% | 1,240 |
| Net charge-offs to loans | 0.4111% | 2,457 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 5.6000% | 2,644 |
| Efficiency ratio | 61.2457% | 6,210 |
| Assets per employee ($millions) | 3.3551% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 6,438 |
| Loan loss allowance to noncurrent loans | 65.5610% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.3718% | 3,910 |
| Noncurrent loans to loans | 1.4622% | 4,111 |
| Net loans and leases to total assets | 73.3538% | 2,925 |
| Net loans and leases to deposits | 85.3477% | 3,746 |
| Net loans and leases to core deposits | 130.3306% | 1,639 |
| Total domestic deposits to total assets | 85.9471% | 2,755 |
| Equity capital to assets | 8.9891% | 5,360 |
| Core capital (leverage) ratio | 8.8177% | 4,952 |
| Tier 1 risk-based capital ratio | 12.6239% | 4,453 |
| Total risk-based capital ratio | 13.6326% | 4,556 |
| Memoranda: | ||
| Average total assets | $132,926,000 | 4,354 |
| Average earning assets | $125,407,500 | 4,258 |
| Average equity | $11,572,500 | 4,965 |
| Average total loans | $97,301,500 | 4,105 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1801% | 776 |
| Cost of funding earning assets | 2.9964% | 1,876 |
| Net interest margin | 4.1837% | 2,373 |
| Noninterest income to average assets | 0.5623% | 4,137 |
| Noninterest expense to average assets | 2.5218% | 5,925 |
| Loan and lease loss provision to assets | 0.3969% | 3,309 |
| Net operating income to assets | 0.9856% | 2,608 |
| Return on assets (ROA) | 0.9856% | 2,489 |
| Pretax return on assets | 1.6007% | 1,382 |
| Return on Equity (ROE) | 11.9267% | 1,619 |
| Retained earnings to average equity (ytd only) | 11.9267% | 232 |
| Net charge-offs to loans | 0.5227% | 2,274 |
| Credit loss provision to net charge-offs | 106.4583% | 5,037 |
| Earnings coverage of net charge-offs (x) | 5.3583% | 3,672 |
| Efficiency ratio | 55.8000% | 7,040 |
| Assets per employee ($millions) | 3.5527% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 6,395 |
| Loan loss allowance to noncurrent loans | 83.6790% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.1377% | 3,998 |
| Noncurrent loans to loans | 1.1352% | 4,271 |
| Net loans and leases to total assets | 71.6749% | 3,657 |
| Net loans and leases to deposits | 85.5834% | 4,174 |
| Net loans and leases to core deposits | 136.0708% | 1,478 |
| Total domestic deposits to total assets | 83.7486% | 3,459 |
| Equity capital to assets | 8.4316% | 6,203 |
| Core capital (leverage) ratio | 8.6817% | 5,229 |
| Tier 1 risk-based capital ratio | 12.0962% | 4,741 |
| Total risk-based capital ratio | 13.0859% | 4,857 |
| Memoranda: | ||
| Average total assets | $128,758,800 | 4,317 |
| Average earning assets | $121,781,400 | 4,217 |
| Average equity | $10,640,000 | 5,228 |
| Average total loans | $91,824,000 | 4,163 |