Home > Citizens Bank of Cumberland County, Inc. > Performance and Condition Ratios
Citizens Bank of Cumberland County, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9112% | 714 |
| Cost of funding earning assets | 1.3030% | 2,506 |
| Net interest margin | 4.6081% | 518 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 3.0768% | 997 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.7612% | 648 |
| Return on assets (ROA) | 1.7612% | 623 |
| Pretax return on assets | 1.7612% | 942 |
| Return on Equity (ROE) | 16.2300% | 1,063 |
| Retained earnings to average equity (ytd only) | 1.2288% | 3,777 |
| Net charge-offs to loans | 0.0515% | 1,352 |
| Credit loss provision to net charge-offs | 84.3750% | 1,991 |
| Earnings coverage of net charge-offs (x) | 50.3750% | 1,293 |
| Efficiency ratio | 63.2047% | 2,706 |
| Assets per employee ($millions) | 4.2199% | 4,075 |
| Cash dividends to net income (ytd only)* | 92.4290% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 1,991 |
| Loan loss allowance to noncurrent loans | 135.7388% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.6269% | 870 |
| Noncurrent loans to loans | 0.9243% | 806 |
| Net loans and leases to total assets | 66.9700% | 2,153 |
| Net loans and leases to deposits | 77.1431% | 2,345 |
| Net loans and leases to core deposits | 82.1692% | 2,578 |
| Total domestic deposits to total assets | 86.8100% | 1,750 |
| Equity capital to assets | 10.6605% | 1,648 |
| Core capital (leverage) ratio | 11.7842% | 1,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $89,997,400 | 3,912 |
| Average earning assets | $85,110,200 | 3,883 |
| Average equity | $9,765,400 | 3,745 |
| Average total loans | $62,087,800 | 3,679 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8313% | 653 |
| Cost of funding earning assets | 1.2539% | 2,274 |
| Net interest margin | 4.5775% | 551 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 3.1194% | 904 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.6769% | 825 |
| Return on assets (ROA) | 1.6769% | 821 |
| Pretax return on assets | 1.6769% | 1,206 |
| Return on Equity (ROE) | 15.3800% | 1,378 |
| Retained earnings to average equity (ytd only) | 11.2062% | 1,125 |
| Net charge-offs to loans | 0.0668% | 1,005 |
| Credit loss provision to net charge-offs | 87.0968% | 1,712 |
| Earnings coverage of net charge-offs (x) | 37.0968% | 1,490 |
| Efficiency ratio | 64.4952% | 2,440 |
| Assets per employee ($millions) | 4.0494% | 4,144 |
| Cash dividends to net income (ytd only)* | 27.1594% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 1,922 |
| Loan loss allowance to noncurrent loans | 130.2135% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6836% | 836 |
| Noncurrent loans to loans | 0.9890% | 822 |
| Net loans and leases to total assets | 68.2300% | 2,022 |
| Net loans and leases to deposits | 79.7970% | 2,067 |
| Net loans and leases to core deposits | 84.9138% | 2,267 |
| Total domestic deposits to total assets | 85.5000% | 2,349 |
| Equity capital to assets | 11.4373% | 1,205 |
| Core capital (leverage) ratio | 12.6431% | 1,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $89,287,250 | 3,935 |
| Average earning assets | $84,323,750 | 3,903 |
| Average equity | $9,732,500 | 3,749 |
| Average total loans | $61,868,500 | 3,689 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7295% | 611 |
| Cost of funding earning assets | 1.1516% | 2,126 |
| Net interest margin | 4.5779% | 552 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 3.1291% | 869 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.6160% | 925 |
| Return on assets (ROA) | 1.6160% | 924 |
| Pretax return on assets | 1.6160% | 1,380 |
| Return on Equity (ROE) | 15.0700% | 1,458 |
| Retained earnings to average equity (ytd only) | 8.7053% | 1,762 |
| Net charge-offs to loans | 0.1001% | 680 |
| Credit loss provision to net charge-offs | 90.3226% | 1,503 |
| Earnings coverage of net charge-offs (x) | 24.1935% | 1,657 |
| Efficiency ratio | 65.0838% | 2,362 |
| Assets per employee ($millions) | 3.7264% | 4,282 |
| Cash dividends to net income (ytd only)* | 42.2438% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 2,060 |
| Loan loss allowance to noncurrent loans | 128.9431% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 764 |
| Noncurrent loans to loans | 0.9859% | 767 |
| Net loans and leases to total assets | 68.8600% | 1,863 |
| Net loans and leases to deposits | 79.3455% | 2,022 |
| Net loans and leases to core deposits | 84.5246% | 2,177 |
| Total domestic deposits to total assets | 86.7900% | 1,993 |
| Equity capital to assets | 10.9870% | 1,393 |
| Core capital (leverage) ratio | 12.4711% | 1,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $89,354,333 | 3,947 |
| Average earning assets | $84,230,667 | 3,916 |
| Average equity | $9,580,333 | 3,788 |
| Average total loans | $61,966,000 | 3,690 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5913% | 534 |
| Cost of funding earning assets | 1.0519% | 1,878 |
| Net interest margin | 4.5394% | 555 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 3.0544% | 988 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.6615% | 883 |
| Return on assets (ROA) | 1.6615% | 882 |
| Pretax return on assets | 1.6615% | 1,352 |
| Return on Equity (ROE) | 15.6900% | 1,422 |
| Retained earnings to average equity (ytd only) | 3.0029% | 3,505 |
| Net charge-offs to loans | 0.0712% | 721 |
| Credit loss provision to net charge-offs | 136.3636% | 984 |
| Earnings coverage of net charge-offs (x) | 35.0909% | 1,241 |
| Efficiency ratio | 63.8577% | 2,480 |
| Assets per employee ($millions) | 3.7119% | 4,363 |
| Cash dividends to net income (ytd only)* | 80.8625% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 2,088 |
| Loan loss allowance to noncurrent loans | 159.3625% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.5635% | 916 |
| Noncurrent loans to loans | 0.8088% | 949 |
| Net loans and leases to total assets | 68.7800% | 1,754 |
| Net loans and leases to deposits | 78.6531% | 1,914 |
| Net loans and leases to core deposits | 83.4389% | 2,026 |
| Total domestic deposits to total assets | 87.4400% | 2,115 |
| Equity capital to assets | 10.7437% | 1,434 |
| Core capital (leverage) ratio | 11.8939% | 1,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $89,315,000 | 4,001 |
| Average earning assets | $84,416,500 | 3,965 |
| Average equity | $9,457,500 | 3,847 |
| Average total loans | $61,758,500 | 3,733 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9515% | 329 |
| Cost of funding earning assets | 0.3071% | 2,818 |
| Net interest margin | 4.6444% | 227 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.7984% | 1,316 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.8503% | 389 |
| Return on assets (ROA) | 1.8503% | 374 |
| Pretax return on assets | 1.8503% | 648 |
| Return on Equity (ROE) | 16.8400% | 885 |
| Retained earnings to average equity (ytd only) | 2.5504% | 3,839 |
| Net charge-offs to loans | 0.1380% | 584 |
| Credit loss provision to net charge-offs | 162.5000% | 1,253 |
| Earnings coverage of net charge-offs (x) | 22.2625% | 1,843 |
| Efficiency ratio | 58.3684% | 3,282 |
| Assets per employee ($millions) | 3.7310% | 4,373 |
| Cash dividends to net income (ytd only)* | 84.8577% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 1,921 |
| Loan loss allowance to noncurrent loans | 143.1655% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.6209% | 797 |
| Noncurrent loans to loans | 0.9048% | 819 |
| Net loans and leases to total assets | 67.7300% | 1,859 |
| Net loans and leases to deposits | 77.3807% | 2,003 |
| Net loans and leases to core deposits | 80.9338% | 2,082 |
| Total domestic deposits to total assets | 87.5300% | 2,227 |
| Equity capital to assets | 10.4350% | 1,481 |
| Core capital (leverage) ratio | 12.1785% | 1,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $89,230,400 | 4,024 |
| Average earning assets | $82,701,400 | 4,009 |
| Average equity | $9,802,200 | 3,896 |
| Average total loans | $57,991,200 | 3,770 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7165% | 341 |
| Cost of funding earning assets | 0.2268% | 2,969 |
| Net interest margin | 4.4897% | 243 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.8714% | 1,104 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.6077% | 649 |
| Return on assets (ROA) | 1.6077% | 628 |
| Pretax return on assets | 1.6077% | 1,101 |
| Return on Equity (ROE) | 14.4500% | 1,306 |
| Retained earnings to average equity (ytd only) | 10.4064% | 1,223 |
| Net charge-offs to loans | 0.2007% | 329 |
| Credit loss provision to net charge-offs | 111.6279% | 1,261 |
| Earnings coverage of net charge-offs (x) | 13.6163% | 1,877 |
| Efficiency ratio | 62.1158% | 2,815 |
| Assets per employee ($millions) | 4.2315% | 4,203 |
| Cash dividends to net income (ytd only)* | 28.0000% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 2,273 |
| Loan loss allowance to noncurrent loans | 149.8016% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5672% | 938 |
| Noncurrent loans to loans | 0.8327% | 944 |
| Net loans and leases to total assets | 67.2600% | 1,758 |
| Net loans and leases to deposits | 78.3184% | 1,686 |
| Net loans and leases to core deposits | 79.8469% | 1,913 |
| Total domestic deposits to total assets | 85.8800% | 3,093 |
| Equity capital to assets | 10.8900% | 1,218 |
| Core capital (leverage) ratio | 12.5855% | 1,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $89,151,750 | 4,053 |
| Average earning assets | $82,319,000 | 4,043 |
| Average equity | $9,916,750 | 3,928 |
| Average total loans | $57,127,250 | 3,803 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4502% | 405 |
| Cost of funding earning assets | 0.2367% | 2,430 |
| Net interest margin | 4.2135% | 328 |
| Noninterest income to average assets | 0.4773% | 2,317 |
| Noninterest expense to average assets | 2.8684% | 1,040 |
| Loan and lease loss provision to assets | 0.1120% | 893 |
| Net operating income to assets | 1.3670% | 984 |
| Return on assets (ROA) | 1.3670% | 964 |
| Pretax return on assets | 1.3670% | 1,530 |
| Return on Equity (ROE) | 12.2041% | 1,618 |
| Retained earnings to average equity (ytd only) | 6.2021% | 2,273 |
| Net charge-offs to loans | 0.1607% | 395 |
| Credit loss provision to net charge-offs | 111.1111% | 1,216 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,651 |
| Efficiency ratio | 65.9794% | 2,513 |
| Assets per employee ($millions) | 3.7334% | 4,479 |
| Cash dividends to net income (ytd only)* | 49.1803% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 2,034 |
| Loan loss allowance to noncurrent loans | 135.3791% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.6183% | 895 |
| Noncurrent loans to loans | 0.9846% | 848 |
| Net loans and leases to total assets | 61.9562% | 2,125 |
| Net loans and leases to deposits | 71.5460% | 2,067 |
| Net loans and leases to core deposits | 72.9171% | 2,245 |
| Total domestic deposits to total assets | 86.5963% | 3,082 |
| Equity capital to assets | 10.8859% | 1,265 |
| Core capital (leverage) ratio | 12.0003% | 1,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,248,667 | 4,090 |
| Average earning assets | $81,973,667 | 4,098 |
| Average equity | $9,996,667 | 3,987 |
| Average total loans | $55,994,333 | 3,863 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3319% | 420 |
| Cost of funding earning assets | 0.2450% | 2,215 |
| Net interest margin | 4.0869% | 347 |
| Noninterest income to average assets | 0.4581% | 2,370 |
| Noninterest expense to average assets | 2.8786% | 1,000 |
| Loan and lease loss provision to assets | 0.0314% | 1,797 |
| Net operating income to assets | 1.2933% | 1,019 |
| Return on assets (ROA) | 1.2933% | 1,010 |
| Pretax return on assets | 1.2933% | 1,528 |
| Return on Equity (ROE) | 11.3856% | 1,494 |
| Retained earnings to average equity (ytd only) | 11.3856% | 711 |
| Net charge-offs to loans | -0.0215% | 3,950 |
| Credit loss provision to net charge-offs | -233.3333% | 2,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4829% | 2,448 |
| Assets per employee ($millions) | 4.0401% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 2,205 |
| Loan loss allowance to noncurrent loans | 126.6779% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.6706% | 866 |
| Noncurrent loans to loans | 1.0519% | 859 |
| Net loans and leases to total assets | 62.8957% | 1,754 |
| Net loans and leases to deposits | 72.9461% | 1,706 |
| Net loans and leases to core deposits | 74.3609% | 1,912 |
| Total domestic deposits to total assets | 86.2222% | 3,187 |
| Equity capital to assets | 11.2081% | 1,235 |
| Core capital (leverage) ratio | 12.1000% | 1,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,072,000 | 4,111 |
| Average earning assets | $81,627,000 | 4,117 |
| Average equity | $10,118,000 | 4,041 |
| Average total loans | $55,859,500 | 3,868 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7908% | 361 |
| Cost of funding earning assets | 0.3448% | 1,987 |
| Net interest margin | 4.4460% | 303 |
| Noninterest income to average assets | 0.5022% | 2,559 |
| Noninterest expense to average assets | 2.8977% | 1,160 |
| Loan and lease loss provision to assets | 0.0425% | 2,201 |
| Net operating income to assets | 1.6908% | 644 |
| Return on assets (ROA) | 1.6908% | 669 |
| Pretax return on assets | 1.6908% | 1,171 |
| Return on Equity (ROE) | 13.2273% | 1,389 |
| Retained earnings to average equity (ytd only) | 0.8445% | 4,298 |
| Net charge-offs to loans | 0.0659% | 1,133 |
| Credit loss provision to net charge-offs | 97.2222% | 1,835 |
| Earnings coverage of net charge-offs (x) | 39.6944% | 1,446 |
| Efficiency ratio | 62.5720% | 2,783 |
| Assets per employee ($millions) | 3.8810% | 4,459 |
| Cash dividends to net income (ytd only)* | 93.6155% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 2,116 |
| Loan loss allowance to noncurrent loans | 112.1988% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.7439% | 828 |
| Noncurrent loans to loans | 1.2059% | 797 |
| Net loans and leases to total assets | 60.8501% | 2,076 |
| Net loans and leases to deposits | 71.0496% | 2,014 |
| Net loans and leases to core deposits | 72.4300% | 2,219 |
| Total domestic deposits to total assets | 85.6445% | 3,038 |
| Equity capital to assets | 11.5099% | 1,509 |
| Core capital (leverage) ratio | 12.0431% | 1,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,444,000 | 4,182 |
| Average earning assets | $76,563,200 | 4,178 |
| Average equity | $10,538,800 | 4,082 |
| Average total loans | $54,587,600 | 3,921 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6675% | 513 |
| Cost of funding earning assets | 0.3635% | 1,996 |
| Net interest margin | 4.3040% | 445 |
| Noninterest income to average assets | 0.4987% | 2,626 |
| Noninterest expense to average assets | 3.0203% | 933 |
| Loan and lease loss provision to assets | 0.0483% | 2,033 |
| Net operating income to assets | 1.4582% | 1,368 |
| Return on assets (ROA) | 1.4582% | 1,428 |
| Pretax return on assets | 1.4582% | 2,122 |
| Return on Equity (ROE) | 11.1014% | 2,346 |
| Retained earnings to average equity (ytd only) | 7.2668% | 2,323 |
| Net charge-offs to loans | 0.0587% | 1,057 |
| Credit loss provision to net charge-offs | 120.8333% | 1,464 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,401 |
| Efficiency ratio | 66.7275% | 2,000 |
| Assets per employee ($millions) | 3.6032% | 4,604 |
| Cash dividends to net income (ytd only)* | 34.5413% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 2,103 |
| Loan loss allowance to noncurrent loans | 109.9415% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 851 |
| Noncurrent loans to loans | 1.2561% | 878 |
| Net loans and leases to total assets | 64.8020% | 1,674 |
| Net loans and leases to deposits | 76.9376% | 1,580 |
| Net loans and leases to core deposits | 78.5192% | 1,855 |
| Total domestic deposits to total assets | 84.2267% | 3,395 |
| Equity capital to assets | 13.1139% | 953 |
| Core capital (leverage) ratio | 13.0629% | 830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,739,500 | 4,262 |
| Average earning assets | $75,556,000 | 4,244 |
| Average equity | $10,605,000 | 4,129 |
| Average total loans | $54,469,250 | 3,975 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7362% | 509 |
| Cost of funding earning assets | 0.3813% | 2,039 |
| Net interest margin | 4.3548% | 449 |
| Noninterest income to average assets | 0.4898% | 2,665 |
| Noninterest expense to average assets | 3.0364% | 923 |
| Loan and lease loss provision to assets | 0.0575% | 1,878 |
| Net operating income to assets | 1.4770% | 1,356 |
| Return on assets (ROA) | 1.4770% | 1,416 |
| Pretax return on assets | 1.4770% | 2,089 |
| Return on Equity (ROE) | 11.2386% | 2,326 |
| Retained earnings to average equity (ytd only) | 5.4386% | 3,022 |
| Net charge-offs to loans | 0.0734% | 909 |
| Credit loss provision to net charge-offs | 115.0000% | 1,284 |
| Earnings coverage of net charge-offs (x) | 30.7000% | 1,298 |
| Efficiency ratio | 66.4297% | 2,092 |
| Assets per employee ($millions) | 3.4906% | 4,670 |
| Cash dividends to net income (ytd only)* | 51.6074% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 2,019 |
| Loan loss allowance to noncurrent loans | 88.3392% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.0575% | 706 |
| Noncurrent loans to loans | 1.5743% | 704 |
| Net loans and leases to total assets | 66.2398% | 1,671 |
| Net loans and leases to deposits | 78.5513% | 1,571 |
| Net loans and leases to core deposits | 80.2148% | 1,868 |
| Total domestic deposits to total assets | 84.3269% | 3,335 |
| Equity capital to assets | 13.1795% | 897 |
| Core capital (leverage) ratio | 13.0050% | 800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,028,000 | 4,290 |
| Average earning assets | $74,997,000 | 4,275 |
| Average equity | $10,517,333 | 4,152 |
| Average total loans | $54,473,667 | 3,998 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8710% | 434 |
| Cost of funding earning assets | 0.3948% | 2,140 |
| Net interest margin | 4.4762% | 372 |
| Noninterest income to average assets | 0.4806% | 2,704 |
| Noninterest expense to average assets | 2.9537% | 1,058 |
| Loan and lease loss provision to assets | 0.1151% | 1,195 |
| Net operating income to assets | 1.6120% | 1,111 |
| Return on assets (ROA) | 1.6120% | 1,158 |
| Pretax return on assets | 1.6120% | 1,690 |
| Return on Equity (ROE) | 12.2836% | 1,913 |
| Retained earnings to average equity (ytd only) | 12.2836% | 1,080 |
| Net charge-offs to loans | 0.1461% | 527 |
| Credit loss provision to net charge-offs | 115.0000% | 1,060 |
| Earnings coverage of net charge-offs (x) | 17.2500% | 1,302 |
| Efficiency ratio | 63.1016% | 2,596 |
| Assets per employee ($millions) | 3.4726% | 4,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 2,128 |
| Loan loss allowance to noncurrent loans | 89.7129% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 1.0780% | 747 |
| Noncurrent loans to loans | 1.5200% | 820 |
| Net loans and leases to total assets | 67.9237% | 1,543 |
| Net loans and leases to deposits | 80.6524% | 1,456 |
| Net loans and leases to core deposits | 82.6843% | 1,783 |
| Total domestic deposits to total assets | 84.2179% | 3,365 |
| Equity capital to assets | 13.3030% | 832 |
| Core capital (leverage) ratio | 13.3493% | 769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,900,000 | 4,309 |
| Average earning assets | $74,974,000 | 4,289 |
| Average equity | $10,485,500 | 4,166 |
| Average total loans | $54,745,500 | 4,013 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0963% | 414 |
| Cost of funding earning assets | 0.5503% | 2,612 |
| Net interest margin | 4.5460% | 300 |
| Noninterest income to average assets | 0.5088% | 2,591 |
| Noninterest expense to average assets | 3.1727% | 1,105 |
| Loan and lease loss provision to assets | 0.0600% | 3,621 |
| Net operating income to assets | 1.5002% | 811 |
| Return on assets (ROA) | 1.5002% | 886 |
| Pretax return on assets | 1.5002% | 1,329 |
| Return on Equity (ROE) | 11.0403% | 1,611 |
| Retained earnings to average equity (ytd only) | 0.9120% | 4,258 |
| Net charge-offs to loans | 0.1192% | 1,299 |
| Credit loss provision to net charge-offs | 74.1935% | 3,024 |
| Earnings coverage of net charge-offs (x) | 19.2903% | 1,988 |
| Efficiency ratio | 67.0342% | 2,360 |
| Assets per employee ($millions) | 3.4753% | 4,665 |
| Cash dividends to net income (ytd only)* | 91.7391% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 2,103 |
| Loan loss allowance to noncurrent loans | 84.8864% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.1322% | 800 |
| Noncurrent loans to loans | 1.6149% | 816 |
| Net loans and leases to total assets | 67.2380% | 1,927 |
| Net loans and leases to deposits | 80.3589% | 1,827 |
| Net loans and leases to core deposits | 82.3966% | 2,165 |
| Total domestic deposits to total assets | 83.6722% | 3,210 |
| Equity capital to assets | 12.9437% | 1,113 |
| Core capital (leverage) ratio | 13.4014% | 806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,654,400 | 4,284 |
| Average earning assets | $71,228,200 | 4,276 |
| Average equity | $10,416,400 | 4,160 |
| Average total loans | $52,012,400 | 4,067 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2000% | 413 |
| Cost of funding earning assets | 0.5845% | 2,714 |
| Net interest margin | 4.6155% | 301 |
| Noninterest income to average assets | 0.5257% | 2,499 |
| Noninterest expense to average assets | 3.2614% | 967 |
| Loan and lease loss provision to assets | 0.0804% | 3,307 |
| Net operating income to assets | 1.4593% | 977 |
| Return on assets (ROA) | 1.4593% | 1,063 |
| Pretax return on assets | 1.4593% | 1,545 |
| Return on Equity (ROE) | 10.6061% | 1,813 |
| Retained earnings to average equity (ytd only) | 6.7726% | 1,786 |
| Net charge-offs to loans | 0.1790% | 833 |
| Credit loss provision to net charge-offs | 66.6667% | 2,826 |
| Earnings coverage of net charge-offs (x) | 12.6957% | 2,237 |
| Efficiency ratio | 67.9238% | 2,204 |
| Assets per employee ($millions) | 3.2576% | 4,758 |
| Cash dividends to net income (ytd only)* | 36.1446% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 1,683 |
| Loan loss allowance to noncurrent loans | 94.6292% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.0771% | 989 |
| Noncurrent loans to loans | 1.4937% | 960 |
| Net loans and leases to total assets | 68.8849% | 2,122 |
| Net loans and leases to deposits | 82.5224% | 2,053 |
| Net loans and leases to core deposits | 84.7585% | 2,405 |
| Total domestic deposits to total assets | 83.4741% | 3,004 |
| Equity capital to assets | 14.3891% | 765 |
| Core capital (leverage) ratio | 14.0390% | 703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,835,250 | 4,306 |
| Average earning assets | $70,255,000 | 4,302 |
| Average equity | $10,434,000 | 4,166 |
| Average total loans | $51,392,750 | 4,106 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2827% | 495 |
| Cost of funding earning assets | 0.6031% | 2,944 |
| Net interest margin | 4.6796% | 354 |
| Noninterest income to average assets | 0.4781% | 2,665 |
| Noninterest expense to average assets | 3.2677% | 1,044 |
| Loan and lease loss provision to assets | 0.0788% | 3,309 |
| Net operating income to assets | 1.4526% | 1,014 |
| Return on assets (ROA) | 1.4526% | 1,100 |
| Pretax return on assets | 1.4526% | 1,584 |
| Return on Equity (ROE) | 10.7188% | 1,735 |
| Retained earnings to average equity (ytd only) | 4.9039% | 2,520 |
| Net charge-offs to loans | 0.1684% | 883 |
| Credit loss provision to net charge-offs | 69.7674% | 2,549 |
| Earnings coverage of net charge-offs (x) | 13.5581% | 1,990 |
| Efficiency ratio | 68.0898% | 2,225 |
| Assets per employee ($millions) | 3.2812% | 4,750 |
| Cash dividends to net income (ytd only)* | 54.2495% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 1,318 |
| Loan loss allowance to noncurrent loans | 90.9091% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.0565% | 1,100 |
| Noncurrent loans to loans | 1.6304% | 900 |
| Net loans and leases to total assets | 63.3057% | 2,957 |
| Net loans and leases to deposits | 75.0557% | 2,967 |
| Net loans and leases to core deposits | 76.9630% | 3,198 |
| Total domestic deposits to total assets | 84.3450% | 2,614 |
| Equity capital to assets | 13.3603% | 1,013 |
| Core capital (leverage) ratio | 13.6790% | 828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8347% | 690 |
| Memoranda: | ||
| Average total assets | $76,138,667 | 4,304 |
| Average earning assets | $70,305,000 | 4,308 |
| Average equity | $10,318,333 | 4,185 |
| Average total loans | $51,073,000 | 4,116 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6444% | 273 |
| Cost of funding earning assets | 0.6446% | 3,193 |
| Net interest margin | 4.9998% | 193 |
| Noninterest income to average assets | 0.4811% | 2,648 |
| Noninterest expense to average assets | 3.4637% | 986 |
| Loan and lease loss provision to assets | 0.0695% | 2,877 |
| Net operating income to assets | 1.5501% | 696 |
| Return on assets (ROA) | 1.5501% | 765 |
| Pretax return on assets | 1.5501% | 1,181 |
| Return on Equity (ROE) | 11.3536% | 1,304 |
| Retained earnings to average equity (ytd only) | -0.3915% | 4,054 |
| Net charge-offs to loans | 0.2495% | 583 |
| Credit loss provision to net charge-offs | 40.6250% | 2,094 |
| Earnings coverage of net charge-offs (x) | 9.4688% | 1,819 |
| Efficiency ratio | 68.1388% | 2,644 |
| Assets per employee ($millions) | 3.2033% | 4,689 |
| Cash dividends to net income (ytd only)* | 103.4483% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 1,437 |
| Loan loss allowance to noncurrent loans | 96.7532% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 1.2514% | 969 |
| Noncurrent loans to loans | 1.5222% | 1,050 |
| Net loans and leases to total assets | 67.6489% | 2,594 |
| Net loans and leases to deposits | 81.0555% | 2,575 |
| Net loans and leases to core deposits | 83.5599% | 2,886 |
| Total domestic deposits to total assets | 83.4600% | 2,959 |
| Equity capital to assets | 13.9231% | 1,086 |
| Core capital (leverage) ratio | 13.4705% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,834,000 | 4,325 |
| Average earning assets | $68,882,500 | 4,333 |
| Average equity | $10,217,000 | 4,213 |
| Average total loans | $51,308,500 | 4,133 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8677% | 284 |
| Cost of funding earning assets | 0.6603% | 3,358 |
| Net interest margin | 5.2073% | 192 |
| Noninterest income to average assets | 0.5320% | 2,568 |
| Noninterest expense to average assets | 3.2000% | 1,518 |
| Loan and lease loss provision to assets | 0.1857% | 1,108 |
| Net operating income to assets | 2.0006% | 351 |
| Return on assets (ROA) | 2.0006% | 363 |
| Pretax return on assets | 2.0006% | 602 |
| Return on Equity (ROE) | 14.9103% | 702 |
| Retained earnings to average equity (ytd only) | 0.0791% | 4,666 |
| Net charge-offs to loans | 0.3882% | 502 |
| Credit loss provision to net charge-offs | 68.9655% | 2,924 |
| Earnings coverage of net charge-offs (x) | 8.1182% | 2,806 |
| Efficiency ratio | 59.4089% | 3,774 |
| Assets per employee ($millions) | 3.1663% | 4,728 |
| Cash dividends to net income (ytd only)* | 99.4695% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 1,320 |
| Loan loss allowance to noncurrent loans | 105.8252% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.1870% | 999 |
| Noncurrent loans to loans | 1.3857% | 1,061 |
| Net loans and leases to total assets | 67.4650% | 2,759 |
| Net loans and leases to deposits | 81.6330% | 2,596 |
| Net loans and leases to core deposits | 85.0893% | 2,866 |
| Total domestic deposits to total assets | 82.6442% | 3,321 |
| Equity capital to assets | 13.3909% | 1,332 |
| Core capital (leverage) ratio | 13.3814% | 1,091 |
| Tier 1 risk-based capital ratio | 18.5452% | 1,619 |
| Total risk-based capital ratio | 19.7961% | 1,592 |
| Memoranda: | ||
| Average total assets | $75,376,000 | 4,357 |
| Average earning assets | $70,266,200 | 4,343 |
| Average equity | $10,113,800 | 4,227 |
| Average total loans | $52,294,000 | 4,138 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8869% | 302 |
| Cost of funding earning assets | 0.6556% | 3,425 |
| Net interest margin | 5.2313% | 189 |
| Noninterest income to average assets | 0.5069% | 2,684 |
| Noninterest expense to average assets | 3.2561% | 1,363 |
| Loan and lease loss provision to assets | 0.1400% | 1,380 |
| Net operating income to assets | 2.0047% | 393 |
| Return on assets (ROA) | 2.0047% | 409 |
| Pretax return on assets | 2.0047% | 677 |
| Return on Equity (ROE) | 14.9329% | 791 |
| Retained earnings to average equity (ytd only) | 5.0305% | 2,877 |
| Net charge-offs to loans | 0.2419% | 738 |
| Credit loss provision to net charge-offs | 83.1579% | 2,465 |
| Earnings coverage of net charge-offs (x) | 12.7372% | 2,336 |
| Efficiency ratio | 60.2888% | 3,585 |
| Assets per employee ($millions) | 3.1653% | 4,782 |
| Cash dividends to net income (ytd only)* | 66.3134% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 1,138 |
| Loan loss allowance to noncurrent loans | 99.3865% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.1347% | 1,150 |
| Noncurrent loans to loans | 1.5488% | 961 |
| Net loans and leases to total assets | 68.2046% | 2,761 |
| Net loans and leases to deposits | 81.4900% | 2,748 |
| Net loans and leases to core deposits | 84.8837% | 3,004 |
| Total domestic deposits to total assets | 83.6969% | 2,934 |
| Equity capital to assets | 13.8929% | 1,196 |
| Core capital (leverage) ratio | 14.1185% | 954 |
| Tier 1 risk-based capital ratio | 19.7431% | 1,414 |
| Total risk-based capital ratio | 20.9959% | 1,376 |
| Memoranda: | ||
| Average total assets | $75,222,000 | 4,413 |
| Average earning assets | $70,369,500 | 4,394 |
| Average equity | $10,098,250 | 4,271 |
| Average total loans | $52,359,750 | 4,179 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9014% | 285 |
| Cost of funding earning assets | 0.6354% | 3,485 |
| Net interest margin | 5.2659% | 174 |
| Noninterest income to average assets | 0.5015% | 2,665 |
| Noninterest expense to average assets | 3.2892% | 1,303 |
| Loan and lease loss provision to assets | 0.1574% | 1,154 |
| Net operating income to assets | 1.9847% | 397 |
| Return on assets (ROA) | 1.9847% | 417 |
| Pretax return on assets | 1.9847% | 694 |
| Return on Equity (ROE) | 14.9603% | 771 |
| Retained earnings to average equity (ytd only) | -0.1206% | 4,702 |
| Net charge-offs to loans | 0.2219% | 759 |
| Credit loss provision to net charge-offs | 101.7241% | 1,936 |
| Earnings coverage of net charge-offs (x) | 13.8448% | 2,073 |
| Efficiency ratio | 60.5599% | 3,647 |
| Assets per employee ($millions) | 3.0607% | 4,871 |
| Cash dividends to net income (ytd only)* | 100.8065% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5577% | 1,124 |
| Loan loss allowance to noncurrent loans | 106.9858% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 1.1163% | 1,213 |
| Noncurrent loans to loans | 1.4560% | 1,063 |
| Net loans and leases to total assets | 71.1501% | 2,352 |
| Net loans and leases to deposits | 84.7506% | 2,403 |
| Net loans and leases to core deposits | 88.3793% | 2,757 |
| Total domestic deposits to total assets | 83.9523% | 2,890 |
| Equity capital to assets | 13.8178% | 1,193 |
| Core capital (leverage) ratio | 13.3708% | 1,162 |
| Tier 1 risk-based capital ratio | 18.9254% | 1,570 |
| Total risk-based capital ratio | 20.1778% | 1,537 |
| Memoranda: | ||
| Average total assets | $74,973,670 | 4,453 |
| Average earning assets | $70,187,000 | 4,438 |
| Average equity | $9,946,330 | 4,306 |
| Average total loans | $52,272,000 | 4,211 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6584% | 387 |
| Cost of funding earning assets | 0.6048% | 3,545 |
| Net interest margin | 5.0536% | 264 |
| Noninterest income to average assets | 0.5387% | 2,348 |
| Noninterest expense to average assets | 3.2747% | 1,340 |
| Loan and lease loss provision to assets | 0.1585% | 1,068 |
| Net operating income to assets | 1.8275% | 537 |
| Return on assets (ROA) | 1.8275% | 555 |
| Pretax return on assets | 1.8275% | 929 |
| Return on Equity (ROE) | 14.0586% | 957 |
| Retained earnings to average equity (ytd only) | -16.4153% | 5,223 |
| Net charge-offs to loans | 0.4319% | 353 |
| Credit loss provision to net charge-offs | 53.5714% | 1,951 |
| Earnings coverage of net charge-offs (x) | 6.7143% | 2,175 |
| Efficiency ratio | 62.2490% | 3,494 |
| Assets per employee ($millions) | 3.2818% | 4,754 |
| Cash dividends to net income (ytd only)* | 216.7630% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5435% | 1,198 |
| Loan loss allowance to noncurrent loans | 89.2857% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 1.2639% | 1,049 |
| Noncurrent loans to loans | 1.7287% | 891 |
| Net loans and leases to total assets | 67.6077% | 2,815 |
| Net loans and leases to deposits | 79.5880% | 2,883 |
| Net loans and leases to core deposits | 82.8479% | 3,117 |
| Total domestic deposits to total assets | 84.9472% | 2,697 |
| Equity capital to assets | 12.8271% | 1,550 |
| Core capital (leverage) ratio | 13.1012% | 1,225 |
| Tier 1 risk-based capital ratio | 18.2845% | 1,718 |
| Total risk-based capital ratio | 19.5364% | 1,670 |
| Memoranda: | ||
| Average total assets | $75,732,500 | 4,488 |
| Average earning assets | $70,761,500 | 4,472 |
| Average equity | $9,844,500 | 4,350 |
| Average total loans | $51,862,500 | 4,266 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6873% | 286 |
| Cost of funding earning assets | 0.4497% | 3,685 |
| Net interest margin | 5.2376% | 178 |
| Noninterest income to average assets | 0.5333% | 2,641 |
| Noninterest expense to average assets | 3.1946% | 1,566 |
| Loan and lease loss provision to assets | 0.2493% | 689 |
| Net operating income to assets | 2.0119% | 353 |
| Return on assets (ROA) | 2.0119% | 350 |
| Pretax return on assets | 2.0119% | 552 |
| Return on Equity (ROE) | 15.5593% | 713 |
| Retained earnings to average equity (ytd only) | 0.9074% | 4,736 |
| Net charge-offs to loans | 0.3145% | 617 |
| Credit loss provision to net charge-offs | 114.7239% | 2,263 |
| Earnings coverage of net charge-offs (x) | 10.4049% | 2,723 |
| Efficiency ratio | 58.5533% | 4,072 |
| Assets per employee ($millions) | 3.3037% | 4,737 |
| Cash dividends to net income (ytd only)* | 94.1683% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5917% | 1,048 |
| Loan loss allowance to noncurrent loans | 84.9794% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.3516% | 921 |
| Noncurrent loans to loans | 1.8730% | 741 |
| Net loans and leases to total assets | 67.2089% | 2,974 |
| Net loans and leases to deposits | 78.9109% | 3,058 |
| Net loans and leases to core deposits | 81.1892% | 3,335 |
| Total domestic deposits to total assets | 85.1706% | 2,578 |
| Equity capital to assets | 13.1699% | 1,270 |
| Core capital (leverage) ratio | 13.5654% | 1,056 |
| Tier 1 risk-based capital ratio | 18.7522% | 1,558 |
| Total risk-based capital ratio | 20.0052% | 1,523 |
| Memoranda: | ||
| Average total assets | $75,002,000 | 4,512 |
| Average earning assets | $70,490,800 | 4,488 |
| Average equity | $9,698,400 | 4,352 |
| Average total loans | $51,830,800 | 4,273 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6381% | 283 |
| Cost of funding earning assets | 0.4245% | 3,698 |
| Net interest margin | 5.2136% | 178 |
| Noninterest income to average assets | 0.5190% | 2,749 |
| Noninterest expense to average assets | 3.2050% | 1,510 |
| Loan and lease loss provision to assets | 0.2390% | 668 |
| Net operating income to assets | 1.9815% | 399 |
| Return on assets (ROA) | 1.9815% | 392 |
| Pretax return on assets | 1.9815% | 649 |
| Return on Equity (ROE) | 15.3961% | 804 |
| Retained earnings to average equity (ytd only) | 1.2333% | 4,797 |
| Net charge-offs to loans | 0.2367% | 722 |
| Credit loss provision to net charge-offs | 145.6522% | 1,752 |
| Earnings coverage of net charge-offs (x) | 13.5330% | 2,351 |
| Efficiency ratio | 59.0730% | 3,955 |
| Assets per employee ($millions) | 3.2306% | 4,853 |
| Cash dividends to net income (ytd only)* | 91.9888% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6404% | 985 |
| Loan loss allowance to noncurrent loans | 83.8294% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.3956% | 955 |
| Noncurrent loans to loans | 1.9569% | 768 |
| Net loans and leases to total assets | 68.1884% | 2,903 |
| Net loans and leases to deposits | 80.5629% | 2,975 |
| Net loans and leases to core deposits | 83.7122% | 3,176 |
| Total domestic deposits to total assets | 84.6399% | 2,742 |
| Equity capital to assets | 13.3521% | 1,188 |
| Core capital (leverage) ratio | 13.7016% | 1,033 |
| Tier 1 risk-based capital ratio | 19.0687% | 1,520 |
| Total risk-based capital ratio | 20.3219% | 1,491 |
| Memoranda: | ||
| Average total assets | $74,756,500 | 4,565 |
| Average earning assets | $70,353,250 | 4,534 |
| Average equity | $9,621,250 | 4,400 |
| Average total loans | $51,815,000 | 4,317 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6179% | 268 |
| Cost of funding earning assets | 0.4035% | 3,693 |
| Net interest margin | 5.2144% | 164 |
| Noninterest income to average assets | 0.5153% | 2,774 |
| Noninterest expense to average assets | 3.1853% | 1,577 |
| Loan and lease loss provision to assets | 0.3284% | 413 |
| Net operating income to assets | 1.9010% | 469 |
| Return on assets (ROA) | 1.9010% | 465 |
| Pretax return on assets | 1.9010% | 770 |
| Return on Equity (ROE) | 14.9559% | 861 |
| Retained earnings to average equity (ytd only) | -6.5117% | 5,343 |
| Net charge-offs to loans | 0.3082% | 518 |
| Credit loss provision to net charge-offs | 153.7500% | 1,557 |
| Earnings coverage of net charge-offs (x) | 10.4375% | 2,329 |
| Efficiency ratio | 58.8264% | 4,111 |
| Assets per employee ($millions) | 3.1010% | 5,019 |
| Cash dividends to net income (ytd only)* | 143.5393% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 1,003 |
| Loan loss allowance to noncurrent loans | 78.3859% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.8381% | 623 |
| Noncurrent loans to loans | 2.0965% | 687 |
| Net loans and leases to total assets | 67.9561% | 2,877 |
| Net loans and leases to deposits | 79.4417% | 3,012 |
| Net loans and leases to core deposits | 82.4906% | 3,201 |
| Total domestic deposits to total assets | 85.5421% | 2,480 |
| Equity capital to assets | 12.7635% | 1,411 |
| Core capital (leverage) ratio | 12.8622% | 1,295 |
| Tier 1 risk-based capital ratio | 18.2826% | 1,732 |
| Total risk-based capital ratio | 19.5350% | 1,690 |
| Memoranda: | ||
| Average total assets | $74,907,670 | 4,608 |
| Average earning assets | $70,382,000 | 4,585 |
| Average equity | $9,521,330 | 4,454 |
| Average total loans | $51,916,330 | 4,349 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4270% | 318 |
| Cost of funding earning assets | 0.3852% | 3,694 |
| Net interest margin | 5.0417% | 216 |
| Noninterest income to average assets | 0.5429% | 2,564 |
| Noninterest expense to average assets | 3.0872% | 1,860 |
| Loan and lease loss provision to assets | 0.3034% | 426 |
| Net operating income to assets | 1.8896% | 463 |
| Return on assets (ROA) | 1.8896% | 468 |
| Pretax return on assets | 1.8896% | 745 |
| Return on Equity (ROE) | 14.8964% | 818 |
| Retained earnings to average equity (ytd only) | -27.9885% | 5,548 |
| Net charge-offs to loans | 0.4524% | 337 |
| Credit loss provision to net charge-offs | 96.6102% | 1,624 |
| Earnings coverage of net charge-offs (x) | 6.9831% | 2,128 |
| Efficiency ratio | 58.4677% | 4,286 |
| Assets per employee ($millions) | 3.2855% | 4,913 |
| Cash dividends to net income (ytd only)* | 287.8873% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5506% | 1,284 |
| Loan loss allowance to noncurrent loans | 78.4314% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.7058% | 743 |
| Noncurrent loans to loans | 1.9770% | 815 |
| Net loans and leases to total assets | 67.2167% | 2,863 |
| Net loans and leases to deposits | 77.3034% | 3,083 |
| Net loans and leases to core deposits | 79.6266% | 3,352 |
| Total domestic deposits to total assets | 86.9518% | 2,143 |
| Equity capital to assets | 12.1033% | 1,712 |
| Core capital (leverage) ratio | 12.5423% | 1,373 |
| Tier 1 risk-based capital ratio | 17.3717% | 2,010 |
| Total risk-based capital ratio | 18.6236% | 1,961 |
| Memoranda: | ||
| Average total assets | $75,150,000 | 4,656 |
| Average earning assets | $70,610,500 | 4,630 |
| Average equity | $9,532,500 | 4,502 |
| Average total loans | $52,164,500 | 4,389 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4580% | 282 |
| Cost of funding earning assets | 0.3942% | 3,306 |
| Net interest margin | 5.0638% | 212 |
| Noninterest income to average assets | 0.4304% | 3,436 |
| Noninterest expense to average assets | 3.0682% | 1,958 |
| Loan and lease loss provision to assets | 0.2193% | 901 |
| Net operating income to assets | 1.8718% | 360 |
| Return on assets (ROA) | 1.8718% | 368 |
| Pretax return on assets | 1.8718% | 645 |
| Return on Equity (ROE) | 14.6182% | 672 |
| Retained earnings to average equity (ytd only) | 4.0483% | 2,751 |
| Net charge-offs to loans | 0.3419% | 744 |
| Credit loss provision to net charge-offs | 90.0000% | 2,782 |
| Earnings coverage of net charge-offs (x) | 8.5833% | 2,891 |
| Efficiency ratio | 59.4701% | 4,344 |
| Assets per employee ($millions) | 3.3970% | 4,826 |
| Cash dividends to net income (ytd only)* | 72.3066% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 1,339 |
| Loan loss allowance to noncurrent loans | 102.2959% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.4090% | 995 |
| Noncurrent loans to loans | 1.4867% | 1,147 |
| Net loans and leases to total assets | 69.4918% | 2,602 |
| Net loans and leases to deposits | 81.1089% | 2,805 |
| Net loans and leases to core deposits | 83.6067% | 3,089 |
| Total domestic deposits to total assets | 85.6772% | 2,587 |
| Equity capital to assets | 13.2724% | 1,140 |
| Core capital (leverage) ratio | 13.6312% | 928 |
| Tier 1 risk-based capital ratio | 18.3504% | 1,693 |
| Total risk-based capital ratio | 19.6018% | 1,647 |
| Memoranda: | ||
| Average total assets | $73,887,000 | 4,709 |
| Average earning assets | $68,999,600 | 4,683 |
| Average equity | $9,460,800 | 4,530 |
| Average total loans | $52,650,000 | 4,394 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4247% | 287 |
| Cost of funding earning assets | 0.3931% | 3,266 |
| Net interest margin | 5.0315% | 213 |
| Noninterest income to average assets | 0.4253% | 3,516 |
| Noninterest expense to average assets | 3.0783% | 1,861 |
| Loan and lease loss provision to assets | 0.2280% | 802 |
| Net operating income to assets | 1.8206% | 451 |
| Return on assets (ROA) | 1.8206% | 459 |
| Pretax return on assets | 1.8206% | 840 |
| Return on Equity (ROE) | 14.3512% | 765 |
| Retained earnings to average equity (ytd only) | 0.0856% | 5,187 |
| Net charge-offs to loans | 0.1799% | 1,167 |
| Credit loss provision to net charge-offs | 177.4648% | 1,490 |
| Earnings coverage of net charge-offs (x) | 15.9444% | 2,199 |
| Efficiency ratio | 60.0424% | 4,207 |
| Assets per employee ($millions) | 3.4645% | 4,778 |
| Cash dividends to net income (ytd only)* | 99.4036% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 1,064 |
| Loan loss allowance to noncurrent loans | 120.1923% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 1.5009% | 1,013 |
| Noncurrent loans to loans | 1.3996% | 1,338 |
| Net loans and leases to total assets | 70.2917% | 2,515 |
| Net loans and leases to deposits | 82.2438% | 2,753 |
| Net loans and leases to core deposits | 84.8501% | 3,057 |
| Total domestic deposits to total assets | 85.4675% | 2,529 |
| Equity capital to assets | 13.2364% | 1,277 |
| Core capital (leverage) ratio | 12.8676% | 1,263 |
| Tier 1 risk-based capital ratio | 17.6341% | 1,964 |
| Total risk-based capital ratio | 18.8871% | 1,905 |
| Memoranda: | ||
| Average total assets | $73,675,250 | 4,760 |
| Average earning assets | $68,844,000 | 4,737 |
| Average equity | $9,346,250 | 4,599 |
| Average total loans | $52,628,500 | 4,431 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3266% | 316 |
| Cost of funding earning assets | 0.3926% | 3,143 |
| Net interest margin | 4.9340% | 250 |
| Noninterest income to average assets | 0.4136% | 3,605 |
| Noninterest expense to average assets | 3.0926% | 1,852 |
| Loan and lease loss provision to assets | 0.1649% | 1,208 |
| Net operating income to assets | 1.7761% | 471 |
| Return on assets (ROA) | 1.7761% | 481 |
| Pretax return on assets | 1.7761% | 885 |
| Return on Equity (ROE) | 14.2028% | 783 |
| Retained earnings to average equity (ytd only) | -7.4149% | 5,599 |
| Net charge-offs to loans | 0.0795% | 1,826 |
| Credit loss provision to net charge-offs | 290.4762% | 979 |
| Earnings coverage of net charge-offs (x) | 34.1905% | 1,371 |
| Efficiency ratio | 61.4393% | 4,098 |
| Assets per employee ($millions) | 3.3960% | 4,863 |
| Cash dividends to net income (ytd only)* | 152.2070% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 1,168 |
| Loan loss allowance to noncurrent loans | 132.1045% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 1.4322% | 1,094 |
| Noncurrent loans to loans | 1.2457% | 1,555 |
| Net loans and leases to total assets | 68.7958% | 2,693 |
| Net loans and leases to deposits | 79.6609% | 2,950 |
| Net loans and leases to core deposits | 82.3910% | 3,219 |
| Total domestic deposits to total assets | 86.3608% | 2,213 |
| Equity capital to assets | 12.4132% | 1,661 |
| Core capital (leverage) ratio | 12.6921% | 1,296 |
| Tier 1 risk-based capital ratio | 17.0674% | 2,144 |
| Total risk-based capital ratio | 18.3197% | 2,091 |
| Memoranda: | ||
| Average total assets | $73,982,330 | 4,786 |
| Average earning assets | $69,275,000 | 4,761 |
| Average equity | $9,251,670 | 4,636 |
| Average total loans | $52,833,000 | 4,449 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2525% | 348 |
| Cost of funding earning assets | 0.3822% | 3,184 |
| Net interest margin | 4.8703% | 275 |
| Noninterest income to average assets | 0.5651% | 2,582 |
| Noninterest expense to average assets | 3.0862% | 1,900 |
| Loan and lease loss provision to assets | 0.1467% | 1,275 |
| Net operating income to assets | 1.9017% | 362 |
| Return on assets (ROA) | 1.9017% | 377 |
| Pretax return on assets | 1.9017% | 632 |
| Return on Equity (ROE) | 15.1507% | 624 |
| Retained earnings to average equity (ytd only) | -28.1370% | 5,785 |
| Net charge-offs to loans | 0.2033% | 852 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 13.9630% | 1,751 |
| Efficiency ratio | 60.1058% | 4,441 |
| Assets per employee ($millions) | 3.3820% | 4,954 |
| Cash dividends to net income (ytd only)* | 285.7143% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 1,470 |
| Loan loss allowance to noncurrent loans | 119.7080% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.6975% | 877 |
| Noncurrent loans to loans | 1.3068% | 1,549 |
| Net loans and leases to total assets | 69.3498% | 2,487 |
| Net loans and leases to deposits | 79.5790% | 2,803 |
| Net loans and leases to core deposits | 82.6232% | 3,024 |
| Total domestic deposits to total assets | 87.1459% | 2,137 |
| Equity capital to assets | 12.0128% | 1,826 |
| Core capital (leverage) ratio | 12.3673% | 1,414 |
| Tier 1 risk-based capital ratio | 16.2433% | 2,458 |
| Total risk-based capital ratio | 17.4954% | 2,398 |
| Memoranda: | ||
| Average total assets | $73,618,000 | 4,839 |
| Average earning assets | $69,072,000 | 4,810 |
| Average equity | $9,240,500 | 4,670 |
| Average total loans | $53,120,500 | 4,484 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2012% | 418 |
| Cost of funding earning assets | 0.4491% | 2,543 |
| Net interest margin | 4.7521% | 386 |
| Noninterest income to average assets | 0.5171% | 3,116 |
| Noninterest expense to average assets | 2.9387% | 2,534 |
| Loan and lease loss provision to assets | 0.3154% | 592 |
| Net operating income to assets | 1.7313% | 505 |
| Return on assets (ROA) | 1.7868% | 476 |
| Pretax return on assets | 1.7868% | 826 |
| Return on Equity (ROE) | 14.3575% | 717 |
| Retained earnings to average equity (ytd only) | 4.4051% | 2,778 |
| Net charge-offs to loans | 0.4927% | 501 |
| Credit loss provision to net charge-offs | 88.5932% | 2,826 |
| Earnings coverage of net charge-offs (x) | 5.7490% | 3,295 |
| Efficiency ratio | 58.9465% | 4,728 |
| Assets per employee ($millions) | 3.4682% | 4,807 |
| Cash dividends to net income (ytd only)* | 69.3182% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5235% | 1,585 |
| Loan loss allowance to noncurrent loans | 106.0802% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.6449% | 954 |
| Noncurrent loans to loans | 1.4362% | 1,415 |
| Net loans and leases to total assets | 72.7730% | 2,048 |
| Net loans and leases to deposits | 84.7395% | 2,336 |
| Net loans and leases to core deposits | 88.0973% | 2,664 |
| Total domestic deposits to total assets | 85.8785% | 2,643 |
| Equity capital to assets | 13.1028% | 1,219 |
| Core capital (leverage) ratio | 13.3795% | 1,011 |
| Tier 1 risk-based capital ratio | 17.3872% | 2,035 |
| Total risk-based capital ratio | 18.6394% | 1,994 |
| Memoranda: | ||
| Average total assets | $73,875,200 | 4,853 |
| Average earning assets | $69,464,600 | 4,817 |
| Average equity | $9,193,800 | 4,714 |
| Average total loans | $53,374,600 | 4,478 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1103% | 489 |
| Cost of funding earning assets | 0.4649% | 2,424 |
| Net interest margin | 4.6454% | 472 |
| Noninterest income to average assets | 0.5935% | 2,693 |
| Noninterest expense to average assets | 2.9261% | 2,557 |
| Loan and lease loss provision to assets | 0.3759% | 404 |
| Net operating income to assets | 1.6582% | 647 |
| Return on assets (ROA) | 1.6834% | 653 |
| Pretax return on assets | 1.6834% | 1,164 |
| Return on Equity (ROE) | 13.7042% | 877 |
| Retained earnings to average equity (ytd only) | 0.5271% | 5,222 |
| Net charge-offs to loans | 0.5532% | 381 |
| Credit loss provision to net charge-offs | 94.5701% | 2,466 |
| Earnings coverage of net charge-offs (x) | 5.1176% | 3,173 |
| Efficiency ratio | 58.9920% | 4,686 |
| Assets per employee ($millions) | 3.6231% | 4,606 |
| Cash dividends to net income (ytd only)* | 96.1538% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5964% | 1,482 |
| Loan loss allowance to noncurrent loans | 103.5847% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.6464% | 1,051 |
| Noncurrent loans to loans | 1.5412% | 1,406 |
| Net loans and leases to total assets | 71.2843% | 2,300 |
| Net loans and leases to deposits | 82.5460% | 2,665 |
| Net loans and leases to core deposits | 85.7798% | 2,969 |
| Total domestic deposits to total assets | 86.3570% | 2,189 |
| Equity capital to assets | 12.8550% | 1,569 |
| Core capital (leverage) ratio | 12.2961% | 1,483 |
| Tier 1 risk-based capital ratio | 17.0767% | 2,198 |
| Total risk-based capital ratio | 18.3295% | 2,155 |
| Memoranda: | ||
| Average total assets | $74,136,000 | 4,882 |
| Average earning assets | $69,687,500 | 4,853 |
| Average equity | $9,106,500 | 4,787 |
| Average total loans | $53,262,750 | 4,516 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0683% | 514 |
| Cost of funding earning assets | 0.4416% | 2,645 |
| Net interest margin | 4.6267% | 485 |
| Noninterest income to average assets | 0.5302% | 3,004 |
| Noninterest expense to average assets | 2.8945% | 2,695 |
| Loan and lease loss provision to assets | 0.3320% | 498 |
| Net operating income to assets | 1.6521% | 641 |
| Return on assets (ROA) | 1.6896% | 626 |
| Pretax return on assets | 1.6896% | 1,120 |
| Return on Equity (ROE) | 13.9648% | 835 |
| Retained earnings to average equity (ytd only) | -5.9533% | 5,785 |
| Net charge-offs to loans | 0.5568% | 378 |
| Credit loss provision to net charge-offs | 83.2215% | 2,333 |
| Earnings coverage of net charge-offs (x) | 4.9732% | 2,907 |
| Efficiency ratio | 59.3304% | 4,735 |
| Assets per employee ($millions) | 3.5100% | 4,741 |
| Cash dividends to net income (ytd only)* | 142.6307% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 1,656 |
| Loan loss allowance to noncurrent loans | 102.4845% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.2963% | 1,560 |
| Noncurrent loans to loans | 1.5191% | 1,436 |
| Net loans and leases to total assets | 67.5568% | 2,855 |
| Net loans and leases to deposits | 78.4788% | 3,104 |
| Net loans and leases to core deposits | 81.3600% | 3,332 |
| Total domestic deposits to total assets | 86.0828% | 2,379 |
| Equity capital to assets | 11.7339% | 2,322 |
| Core capital (leverage) ratio | 11.8159% | 1,755 |
| Tier 1 risk-based capital ratio | 15.9213% | 2,679 |
| Total risk-based capital ratio | 17.1731% | 2,621 |
| Memoranda: | ||
| Average total assets | $74,694,000 | 4,919 |
| Average earning assets | $70,200,670 | 4,882 |
| Average equity | $9,037,000 | 4,835 |
| Average total loans | $53,519,670 | 4,539 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1303% | 471 |
| Cost of funding earning assets | 0.4353% | 2,720 |
| Net interest margin | 4.6951% | 426 |
| Noninterest income to average assets | 0.6428% | 2,303 |
| Noninterest expense to average assets | 2.9960% | 2,403 |
| Loan and lease loss provision to assets | 0.2996% | 524 |
| Net operating income to assets | 1.7540% | 510 |
| Return on assets (ROA) | 1.7595% | 537 |
| Pretax return on assets | 1.7595% | 922 |
| Return on Equity (ROE) | 14.3158% | 776 |
| Retained earnings to average equity (ytd only) | -25.5734% | 6,006 |
| Net charge-offs to loans | 0.2231% | 913 |
| Credit loss provision to net charge-offs | 183.3333% | 1,140 |
| Earnings coverage of net charge-offs (x) | 12.5667% | 1,784 |
| Efficiency ratio | 59.3312% | 4,831 |
| Assets per employee ($millions) | 3.7776% | 4,347 |
| Cash dividends to net income (ytd only)* | 278.6378% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6322% | 1,525 |
| Loan loss allowance to noncurrent loans | 106.5773% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.4096% | 1,471 |
| Noncurrent loans to loans | 1.5315% | 1,528 |
| Net loans and leases to total assets | 69.7979% | 2,375 |
| Net loans and leases to deposits | 82.0007% | 2,542 |
| Net loans and leases to core deposits | 85.0752% | 2,840 |
| Total domestic deposits to total assets | 85.1187% | 3,081 |
| Equity capital to assets | 11.5723% | 2,374 |
| Core capital (leverage) ratio | 11.7755% | 1,775 |
| Tier 1 risk-based capital ratio | 16.3968% | 2,519 |
| Total risk-based capital ratio | 17.6506% | 2,474 |
| Memoranda: | ||
| Average total assets | $73,430,500 | 4,989 |
| Average earning assets | $68,923,500 | 4,955 |
| Average equity | $9,025,000 | 4,858 |
| Average total loans | $53,783,000 | 4,558 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1665% | 454 |
| Cost of funding earning assets | 0.4572% | 2,556 |
| Net interest margin | 4.7093% | 443 |
| Noninterest income to average assets | 0.6383% | 2,522 |
| Noninterest expense to average assets | 3.0044% | 2,530 |
| Loan and lease loss provision to assets | 0.2284% | 876 |
| Net operating income to assets | 1.8186% | 470 |
| Return on assets (ROA) | 1.8186% | 481 |
| Pretax return on assets | 1.8186% | 776 |
| Return on Equity (ROE) | 14.5871% | 750 |
| Retained earnings to average equity (ytd only) | 5.0861% | 2,359 |
| Net charge-offs to loans | 0.4397% | 626 |
| Credit loss provision to net charge-offs | 68.2203% | 3,152 |
| Earnings coverage of net charge-offs (x) | 6.1144% | 3,274 |
| Efficiency ratio | 59.4777% | 4,974 |
| Assets per employee ($millions) | 3.7532% | 4,367 |
| Cash dividends to net income (ytd only)* | 65.1326% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 1,700 |
| Loan loss allowance to noncurrent loans | 111.5486% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.4837% | 1,369 |
| Noncurrent loans to loans | 1.4122% | 1,653 |
| Net loans and leases to total assets | 74.4748% | 1,649 |
| Net loans and leases to deposits | 89.1897% | 1,723 |
| Net loans and leases to core deposits | 92.8056% | 2,150 |
| Total domestic deposits to total assets | 83.5016% | 3,675 |
| Equity capital to assets | 13.0515% | 1,322 |
| Core capital (leverage) ratio | 12.8746% | 1,197 |
| Tier 1 risk-based capital ratio | 17.6458% | 2,075 |
| Total risk-based capital ratio | 18.8999% | 2,023 |
| Memoranda: | ||
| Average total assets | $70,495,600 | 5,085 |
| Average earning assets | $66,060,400 | 5,039 |
| Average equity | $8,788,600 | 4,895 |
| Average total loans | $53,676,800 | 4,562 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1488% | 472 |
| Cost of funding earning assets | 0.4572% | 2,617 |
| Net interest margin | 4.6916% | 460 |
| Noninterest income to average assets | 0.6184% | 2,643 |
| Noninterest expense to average assets | 3.1202% | 2,173 |
| Loan and lease loss provision to assets | 0.2466% | 697 |
| Net operating income to assets | 1.6502% | 689 |
| Return on assets (ROA) | 1.6502% | 712 |
| Pretax return on assets | 1.6502% | 1,243 |
| Return on Equity (ROE) | 13.3961% | 1,031 |
| Retained earnings to average equity (ytd only) | 0.5390% | 5,459 |
| Net charge-offs to loans | 0.5099% | 472 |
| Credit loss provision to net charge-offs | 63.4146% | 2,869 |
| Earnings coverage of net charge-offs (x) | 4.8780% | 3,284 |
| Efficiency ratio | 62.1928% | 4,540 |
| Assets per employee ($millions) | 3.5093% | 4,777 |
| Cash dividends to net income (ytd only)* | 95.9775% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 1,753 |
| Loan loss allowance to noncurrent loans | 120.3966% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.6912% | 1,278 |
| Noncurrent loans to loans | 1.3370% | 1,913 |
| Net loans and leases to total assets | 74.0262% | 1,730 |
| Net loans and leases to deposits | 88.8896% | 1,783 |
| Net loans and leases to core deposits | 92.5571% | 2,212 |
| Total domestic deposits to total assets | 83.2787% | 3,708 |
| Equity capital to assets | 12.6763% | 1,631 |
| Core capital (leverage) ratio | 12.6740% | 1,334 |
| Tier 1 risk-based capital ratio | 17.1723% | 2,304 |
| Total risk-based capital ratio | 18.4300% | 2,247 |
| Memoranda: | ||
| Average total assets | $70,292,000 | 5,148 |
| Average earning assets | $65,903,750 | 5,102 |
| Average equity | $8,659,000 | 4,984 |
| Average total loans | $53,606,500 | 4,614 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0996% | 502 |
| Cost of funding earning assets | 0.4570% | 2,639 |
| Net interest margin | 4.6426% | 485 |
| Noninterest income to average assets | 0.5602% | 2,977 |
| Noninterest expense to average assets | 3.1453% | 2,135 |
| Loan and lease loss provision to assets | 0.2417% | 748 |
| Net operating income to assets | 1.5357% | 848 |
| Return on assets (ROA) | 1.5357% | 888 |
| Pretax return on assets | 1.5357% | 1,538 |
| Return on Equity (ROE) | 12.5879% | 1,201 |
| Retained earnings to average equity (ytd only) | -6.8767% | 6,085 |
| Net charge-offs to loans | 0.4826% | 522 |
| Credit loss provision to net charge-offs | 65.3846% | 2,531 |
| Earnings coverage of net charge-offs (x) | 4.8077% | 2,991 |
| Efficiency ratio | 63.8937% | 4,378 |
| Assets per employee ($millions) | 3.4957% | 4,794 |
| Cash dividends to net income (ytd only)* | 154.6296% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6634% | 1,704 |
| Loan loss allowance to noncurrent loans | 100.4566% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.7364% | 1,353 |
| Noncurrent loans to loans | 1.6558% | 1,579 |
| Net loans and leases to total assets | 74.4139% | 1,594 |
| Net loans and leases to deposits | 89.3854% | 1,676 |
| Net loans and leases to core deposits | 92.6041% | 2,100 |
| Total domestic deposits to total assets | 83.2506% | 3,851 |
| Equity capital to assets | 12.2123% | 1,867 |
| Core capital (leverage) ratio | 12.2600% | 1,505 |
| Tier 1 risk-based capital ratio | 16.6051% | 2,562 |
| Total risk-based capital ratio | 17.8605% | 2,514 |
| Memoranda: | ||
| Average total assets | $70,327,330 | 5,204 |
| Average earning assets | $66,083,000 | 5,154 |
| Average equity | $8,579,670 | 5,040 |
| Average total loans | $53,873,330 | 4,648 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0793% | 501 |
| Cost of funding earning assets | 0.4645% | 2,625 |
| Net interest margin | 4.6148% | 487 |
| Noninterest income to average assets | 0.7542% | 1,887 |
| Noninterest expense to average assets | 3.2041% | 1,972 |
| Loan and lease loss provision to assets | 0.1928% | 973 |
| Net operating income to assets | 1.6956% | 597 |
| Return on assets (ROA) | 1.6956% | 623 |
| Pretax return on assets | 1.6956% | 1,063 |
| Return on Equity (ROE) | 13.9062% | 899 |
| Retained earnings to average equity (ytd only) | -24.9288% | 6,311 |
| Net charge-offs to loans | 0.2502% | 955 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 9.7941% | 1,983 |
| Efficiency ratio | 62.9176% | 4,637 |
| Assets per employee ($millions) | 3.5793% | 4,760 |
| Cash dividends to net income (ytd only)* | 279.2642% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6999% | 1,739 |
| Loan loss allowance to noncurrent loans | 107.8089% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.6051% | 1,594 |
| Noncurrent loans to loans | 1.5768% | 1,772 |
| Net loans and leases to total assets | 74.7210% | 1,396 |
| Net loans and leases to deposits | 88.9127% | 1,517 |
| Net loans and leases to core deposits | 91.9624% | 1,948 |
| Total domestic deposits to total assets | 84.0386% | 3,805 |
| Equity capital to assets | 11.6477% | 2,340 |
| Core capital (leverage) ratio | 11.7796% | 1,790 |
| Tier 1 risk-based capital ratio | 15.2622% | 3,286 |
| Total risk-based capital ratio | 16.5156% | 3,206 |
| Memoranda: | ||
| Average total assets | $70,534,500 | 5,246 |
| Average earning assets | $66,308,500 | 5,190 |
| Average equity | $8,600,500 | 5,078 |
| Average total loans | $54,357,500 | 4,659 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2219% | 500 |
| Cost of funding earning assets | 0.4950% | 2,713 |
| Net interest margin | 4.7269% | 501 |
| Noninterest income to average assets | 0.4984% | 3,528 |
| Noninterest expense to average assets | 2.9189% | 3,085 |
| Loan and lease loss provision to assets | 0.2271% | 1,076 |
| Net operating income to assets | 1.7979% | 479 |
| Return on assets (ROA) | 1.7979% | 490 |
| Pretax return on assets | 1.7979% | 793 |
| Return on Equity (ROE) | 14.9974% | 780 |
| Retained earnings to average equity (ytd only) | 4.4432% | 3,019 |
| Net charge-offs to loans | 0.4491% | 937 |
| Credit loss provision to net charge-offs | 66.2500% | 3,159 |
| Earnings coverage of net charge-offs (x) | 5.9083% | 3,322 |
| Efficiency ratio | 59.0410% | 5,342 |
| Assets per employee ($millions) | 3.3088% | 5,244 |
| Cash dividends to net income (ytd only)* | 70.3733% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7035% | 1,765 |
| Loan loss allowance to noncurrent loans | 178.2274% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 1.2334% | 2,300 |
| Noncurrent loans to loans | 0.9558% | 2,939 |
| Net loans and leases to total assets | 76.8177% | 1,156 |
| Net loans and leases to deposits | 92.9555% | 1,187 |
| Net loans and leases to core deposits | 96.2944% | 1,691 |
| Total domestic deposits to total assets | 82.6392% | 4,203 |
| Equity capital to assets | 12.7555% | 1,498 |
| Core capital (leverage) ratio | 12.5606% | 1,331 |
| Tier 1 risk-based capital ratio | 18.2622% | 2,064 |
| Total risk-based capital ratio | 19.5162% | 2,019 |
| Memoranda: | ||
| Average total assets | $70,027,400 | 5,288 |
| Average earning assets | $65,857,200 | 5,233 |
| Average equity | $8,394,800 | 5,106 |
| Average total loans | $53,437,400 | 4,710 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1764% | 548 |
| Cost of funding earning assets | 0.5009% | 2,751 |
| Net interest margin | 4.6755% | 528 |
| Noninterest income to average assets | 0.4675% | 3,750 |
| Noninterest expense to average assets | 2.9074% | 3,091 |
| Loan and lease loss provision to assets | 0.2128% | 1,083 |
| Net operating income to assets | 1.7464% | 567 |
| Return on assets (ROA) | 1.7464% | 583 |
| Pretax return on assets | 1.7464% | 988 |
| Return on Equity (ROE) | 14.8023% | 860 |
| Retained earnings to average equity (ytd only) | 0.5638% | 5,642 |
| Net charge-offs to loans | 0.5587% | 681 |
| Credit loss provision to net charge-offs | 50.2242% | 3,093 |
| Earnings coverage of net charge-offs (x) | 4.6232% | 3,412 |
| Efficiency ratio | 59.7423% | 5,223 |
| Assets per employee ($millions) | 3.3069% | 5,227 |
| Cash dividends to net income (ytd only)* | 96.1920% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7025% | 1,964 |
| Loan loss allowance to noncurrent loans | 157.2935% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 1.2283% | 2,504 |
| Noncurrent loans to loans | 1.0824% | 2,907 |
| Net loans and leases to total assets | 74.4110% | 1,457 |
| Net loans and leases to deposits | 90.2303% | 1,403 |
| Net loans and leases to core deposits | 93.4887% | 1,917 |
| Total domestic deposits to total assets | 82.4679% | 4,309 |
| Equity capital to assets | 12.2862% | 1,842 |
| Core capital (leverage) ratio | 12.2826% | 1,527 |
| Tier 1 risk-based capital ratio | 17.5257% | 2,388 |
| Total risk-based capital ratio | 18.7750% | 2,347 |
| Memoranda: | ||
| Average total assets | $70,163,250 | 5,337 |
| Average earning assets | $66,015,750 | 5,281 |
| Average equity | $8,277,750 | 5,176 |
| Average total loans | $53,221,500 | 4,762 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2212% | 486 |
| Cost of funding earning assets | 0.5082% | 2,748 |
| Net interest margin | 4.7130% | 472 |
| Noninterest income to average assets | 0.4858% | 3,590 |
| Noninterest expense to average assets | 2.9118% | 3,123 |
| Loan and lease loss provision to assets | 0.2045% | 1,171 |
| Net operating income to assets | 1.7954% | 497 |
| Return on assets (ROA) | 1.7954% | 514 |
| Pretax return on assets | 1.7954% | 854 |
| Return on Equity (ROE) | 15.4278% | 725 |
| Retained earnings to average equity (ytd only) | -4.2719% | 6,194 |
| Net charge-offs to loans | 0.7410% | 513 |
| Credit loss provision to net charge-offs | 36.3636% | 2,972 |
| Earnings coverage of net charge-offs (x) | 3.5556% | 3,276 |
| Efficiency ratio | 59.2828% | 5,393 |
| Assets per employee ($millions) | 3.1509% | 5,508 |
| Cash dividends to net income (ytd only)* | 127.6899% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 2,252 |
| Loan loss allowance to noncurrent loans | 149.9148% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 1.4368% | 2,269 |
| Noncurrent loans to loans | 1.1093% | 3,006 |
| Net loans and leases to total assets | 75.0649% | 1,298 |
| Net loans and leases to deposits | 90.7134% | 1,299 |
| Net loans and leases to core deposits | 93.9939% | 1,779 |
| Total domestic deposits to total assets | 82.7496% | 4,398 |
| Equity capital to assets | 11.9908% | 1,988 |
| Core capital (leverage) ratio | 11.7135% | 1,842 |
| Tier 1 risk-based capital ratio | 16.7820% | 2,714 |
| Total risk-based capital ratio | 18.0348% | 2,680 |
| Memoranda: | ||
| Average total assets | $70,403,000 | 5,380 |
| Average earning assets | $66,114,670 | 5,319 |
| Average equity | $8,193,000 | 5,215 |
| Average total loans | $53,439,000 | 4,770 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1078% | 590 |
| Cost of funding earning assets | 0.5114% | 2,793 |
| Net interest margin | 4.5965% | 555 |
| Noninterest income to average assets | 0.4060% | 4,137 |
| Noninterest expense to average assets | 3.1010% | 2,528 |
| Loan and lease loss provision to assets | 0.1917% | 1,236 |
| Net operating income to assets | 1.4208% | 952 |
| Return on assets (ROA) | 1.4208% | 995 |
| Pretax return on assets | 1.4208% | 1,678 |
| Return on Equity (ROE) | 12.3932% | 1,314 |
| Retained earnings to average equity (ytd only) | -27.1962% | 6,604 |
| Net charge-offs to loans | 0.4469% | 809 |
| Credit loss provision to net charge-offs | 56.6667% | 2,141 |
| Earnings coverage of net charge-offs (x) | 4.7667% | 2,481 |
| Efficiency ratio | 65.7895% | 4,565 |
| Assets per employee ($millions) | 3.4066% | 5,141 |
| Cash dividends to net income (ytd only)* | 319.4444% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8520% | 1,895 |
| Loan loss allowance to noncurrent loans | 89.9908% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.9528% | 1,756 |
| Noncurrent loans to loans | 2.0580% | 1,802 |
| Net loans and leases to total assets | 72.5968% | 1,479 |
| Net loans and leases to deposits | 88.3308% | 1,324 |
| Net loans and leases to core deposits | 91.8342% | 1,746 |
| Total domestic deposits to total assets | 82.1873% | 4,886 |
| Equity capital to assets | 11.0094% | 2,704 |
| Core capital (leverage) ratio | 11.1468% | 2,268 |
| Tier 1 risk-based capital ratio | 16.1263% | 3,104 |
| Total risk-based capital ratio | 17.3693% | 3,072 |
| Memoranda: | ||
| Average total assets | $70,944,500 | 5,411 |
| Average earning assets | $66,486,000 | 5,362 |
| Average equity | $8,133,500 | 5,251 |
| Average total loans | $53,701,000 | 4,801 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3036% | 523 |
| Cost of funding earning assets | 0.6178% | 2,507 |
| Net interest margin | 4.6858% | 523 |
| Noninterest income to average assets | 0.5062% | 3,716 |
| Noninterest expense to average assets | 2.8223% | 3,644 |
| Loan and lease loss provision to assets | 0.4664% | 606 |
| Net operating income to assets | 1.6067% | 680 |
| Return on assets (ROA) | 1.6067% | 701 |
| Pretax return on assets | 1.6067% | 1,151 |
| Return on Equity (ROE) | 13.6983% | 1,018 |
| Retained earnings to average equity (ytd only) | 2.3639% | 4,560 |
| Net charge-offs to loans | 0.4061% | 1,658 |
| Credit loss provision to net charge-offs | 147.7477% | 1,571 |
| Earnings coverage of net charge-offs (x) | 6.5676% | 3,033 |
| Efficiency ratio | 57.6532% | 5,776 |
| Assets per employee ($millions) | 3.5175% | 4,865 |
| Cash dividends to net income (ytd only)* | 82.7434% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8463% | 1,930 |
| Loan loss allowance to noncurrent loans | 122.3844% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.6617% | 2,224 |
| Noncurrent loans to loans | 1.5086% | 2,634 |
| Net loans and leases to total assets | 76.0213% | 1,071 |
| Net loans and leases to deposits | 94.6349% | 825 |
| Net loans and leases to core deposits | 98.5552% | 1,272 |
| Total domestic deposits to total assets | 80.3312% | 5,367 |
| Equity capital to assets | 11.9275% | 1,849 |
| Core capital (leverage) ratio | 12.0412% | 1,577 |
| Tier 1 risk-based capital ratio | 16.9952% | 2,609 |
| Total risk-based capital ratio | 18.2417% | 2,578 |
| Memoranda: | ||
| Average total assets | $70,332,000 | 5,469 |
| Average earning assets | $65,879,600 | 5,411 |
| Average equity | $8,249,200 | 5,274 |
| Average total loans | $54,666,000 | 4,793 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3036% | 533 |
| Cost of funding earning assets | 0.6435% | 2,423 |
| Net interest margin | 4.6601% | 553 |
| Noninterest income to average assets | 0.4872% | 3,891 |
| Noninterest expense to average assets | 2.8893% | 3,341 |
| Loan and lease loss provision to assets | 0.4436% | 645 |
| Net operating income to assets | 1.5205% | 868 |
| Return on assets (ROA) | 1.5205% | 912 |
| Pretax return on assets | 1.5205% | 1,545 |
| Return on Equity (ROE) | 13.0185% | 1,227 |
| Retained earnings to average equity (ytd only) | -2.1264% | 6,281 |
| Net charge-offs to loans | 0.4947% | 1,298 |
| Credit loss provision to net charge-offs | 115.2709% | 2,043 |
| Earnings coverage of net charge-offs (x) | 5.1035% | 3,281 |
| Efficiency ratio | 59.5313% | 5,492 |
| Assets per employee ($millions) | 3.3107% | 5,269 |
| Cash dividends to net income (ytd only)* | 116.3339% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7274% | 2,530 |
| Loan loss allowance to noncurrent loans | 154.4850% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 1.3204% | 3,004 |
| Noncurrent loans to loans | 1.1182% | 3,563 |
| Net loans and leases to total assets | 76.0978% | 992 |
| Net loans and leases to deposits | 94.1691% | 820 |
| Net loans and leases to core deposits | 98.6372% | 1,192 |
| Total domestic deposits to total assets | 80.8098% | 5,264 |
| Equity capital to assets | 11.6318% | 2,185 |
| Core capital (leverage) ratio | 11.6938% | 1,891 |
| Tier 1 risk-based capital ratio | 16.6364% | 2,886 |
| Total risk-based capital ratio | 17.8809% | 2,843 |
| Memoranda: | ||
| Average total assets | $70,327,500 | 5,518 |
| Average earning assets | $65,891,000 | 5,460 |
| Average equity | $8,213,750 | 5,336 |
| Average total loans | $54,710,750 | 4,831 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2961% | 532 |
| Cost of funding earning assets | 0.6760% | 2,255 |
| Net interest margin | 4.6200% | 580 |
| Noninterest income to average assets | 0.4476% | 4,178 |
| Noninterest expense to average assets | 2.8897% | 3,363 |
| Loan and lease loss provision to assets | 0.5411% | 493 |
| Net operating income to assets | 1.3344% | 1,236 |
| Return on assets (ROA) | 1.3344% | 1,320 |
| Pretax return on assets | 1.3344% | 2,174 |
| Return on Equity (ROE) | 11.4099% | 1,678 |
| Retained earnings to average equity (ytd only) | -8.1395% | 6,614 |
| Net charge-offs to loans | 0.5854% | 1,131 |
| Credit loss provision to net charge-offs | 118.6335% | 1,875 |
| Earnings coverage of net charge-offs (x) | 4.1118% | 3,211 |
| Efficiency ratio | 60.6421% | 5,385 |
| Assets per employee ($millions) | 3.3280% | 5,214 |
| Cash dividends to net income (ytd only)* | 171.3376% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7078% | 2,756 |
| Loan loss allowance to noncurrent loans | 89.5954% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.8401% | 2,356 |
| Noncurrent loans to loans | 1.9061% | 2,498 |
| Net loans and leases to total assets | 76.5872% | 916 |
| Net loans and leases to deposits | 94.2758% | 791 |
| Net loans and leases to core deposits | 98.6891% | 1,160 |
| Total domestic deposits to total assets | 81.2374% | 5,280 |
| Equity capital to assets | 11.1834% | 2,568 |
| Core capital (leverage) ratio | 11.3812% | 2,033 |
| Tier 1 risk-based capital ratio | 15.8822% | 3,272 |
| Total risk-based capital ratio | 17.1350% | 3,210 |
| Memoranda: | ||
| Average total assets | $70,595,000 | 5,552 |
| Average earning assets | $65,973,330 | 5,496 |
| Average equity | $8,256,000 | 5,369 |
| Average total loans | $55,002,000 | 4,858 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3389% | 468 |
| Cost of funding earning assets | 0.7272% | 2,011 |
| Net interest margin | 4.6117% | 550 |
| Noninterest income to average assets | 0.5525% | 3,419 |
| Noninterest expense to average assets | 2.9599% | 3,119 |
| Loan and lease loss provision to assets | 0.3101% | 1,100 |
| Net operating income to assets | 1.5730% | 743 |
| Return on assets (ROA) | 1.5730% | 805 |
| Pretax return on assets | 1.5730% | 1,367 |
| Return on Equity (ROE) | 13.1666% | 1,126 |
| Retained earnings to average equity (ytd only) | 12.9306% | 570 |
| Net charge-offs to loans | 1.0493% | 582 |
| Credit loss provision to net charge-offs | 37.9310% | 2,779 |
| Earnings coverage of net charge-offs (x) | 2.3034% | 3,074 |
| Efficiency ratio | 61.1176% | 5,431 |
| Assets per employee ($millions) | 3.3621% | 5,302 |
| Cash dividends to net income (ytd only)* | 1.7921% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 3,918 |
| Loan loss allowance to noncurrent loans | 88.8158% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.8455% | 2,552 |
| Noncurrent loans to loans | 1.6590% | 3,056 |
| Net loans and leases to total assets | 76.7152% | 747 |
| Net loans and leases to deposits | 92.7752% | 740 |
| Net loans and leases to core deposits | 96.3344% | 1,184 |
| Total domestic deposits to total assets | 82.6894% | 4,959 |
| Equity capital to assets | 12.1877% | 1,916 |
| Core capital (leverage) ratio | 12.3419% | 1,406 |
| Tier 1 risk-based capital ratio | 16.8760% | 2,816 |
| Total risk-based capital ratio | 18.0055% | 2,848 |
| Memoranda: | ||
| Average total assets | $70,948,000 | 5,597 |
| Average earning assets | $66,006,000 | 5,544 |
| Average equity | $8,476,000 | 5,367 |
| Average total loans | $55,275,000 | 4,877 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4294% | 719 |
| Cost of funding earning assets | 0.8715% | 2,127 |
| Net interest margin | 4.5578% | 842 |
| Noninterest income to average assets | 0.5758% | 3,409 |
| Noninterest expense to average assets | 2.6522% | 4,562 |
| Loan and lease loss provision to assets | 0.5480% | 1,047 |
| Net operating income to assets | 1.6523% | 682 |
| Return on assets (ROA) | 1.6523% | 759 |
| Pretax return on assets | 1.6523% | 1,257 |
| Return on Equity (ROE) | 14.8326% | 838 |
| Retained earnings to average equity (ytd only) | 5.5185% | 2,370 |
| Net charge-offs to loans | 0.4620% | 2,387 |
| Credit loss provision to net charge-offs | 149.2424% | 1,828 |
| Earnings coverage of net charge-offs (x) | 5.9924% | 2,897 |
| Efficiency ratio | 54.6575% | 6,206 |
| Assets per employee ($millions) | 3.2405% | 5,538 |
| Cash dividends to net income (ytd only)* | 62.7946% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6194% | 3,220 |
| Loan loss allowance to noncurrent loans | 92.8793% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.9511% | 2,511 |
| Noncurrent loans to loans | 1.7436% | 2,999 |
| Net loans and leases to total assets | 76.6930% | 836 |
| Net loans and leases to deposits | 92.6728% | 853 |
| Net loans and leases to core deposits | 97.0344% | 1,221 |
| Total domestic deposits to total assets | 82.7568% | 4,818 |
| Equity capital to assets | 11.7082% | 2,265 |
| Core capital (leverage) ratio | 11.6929% | 1,741 |
| Tier 1 risk-based capital ratio | 16.2985% | 2,995 |
| Total risk-based capital ratio | 17.5556% | 2,949 |
| Memoranda: | ||
| Average total assets | $71,901,400 | 5,578 |
| Average earning assets | $67,466,200 | 5,502 |
| Average equity | $8,009,400 | 5,502 |
| Average total loans | $57,143,000 | 4,828 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4506% | 752 |
| Cost of funding earning assets | 0.8966% | 2,193 |
| Net interest margin | 4.5540% | 896 |
| Noninterest income to average assets | 0.4682% | 4,149 |
| Noninterest expense to average assets | 2.6720% | 4,494 |
| Loan and lease loss provision to assets | 0.5681% | 1,011 |
| Net operating income to assets | 1.5136% | 995 |
| Return on assets (ROA) | 1.5136% | 1,107 |
| Pretax return on assets | 1.5136% | 1,830 |
| Return on Equity (ROE) | 13.7620% | 1,162 |
| Retained earnings to average equity (ytd only) | 2.3385% | 5,169 |
| Net charge-offs to loans | 0.4704% | 2,215 |
| Credit loss provision to net charge-offs | 151.2315% | 1,867 |
| Earnings coverage of net charge-offs (x) | 5.5419% | 2,999 |
| Efficiency ratio | 56.2086% | 6,031 |
| Assets per employee ($millions) | 3.1879% | 5,659 |
| Cash dividends to net income (ytd only)* | 83.0072% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 3,750 |
| Loan loss allowance to noncurrent loans | 96.2555% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.7467% | 2,984 |
| Noncurrent loans to loans | 1.6052% | 3,383 |
| Net loans and leases to total assets | 79.4105% | 557 |
| Net loans and leases to deposits | 96.6624% | 618 |
| Net loans and leases to core deposits | 101.7242% | 1,002 |
| Total domestic deposits to total assets | 82.1525% | 4,964 |
| Equity capital to assets | 11.5024% | 2,738 |
| Core capital (leverage) ratio | 11.2983% | 2,141 |
| Tier 1 risk-based capital ratio | 15.8065% | 3,372 |
| Total risk-based capital ratio | 17.0501% | 3,345 |
| Memoranda: | ||
| Average total assets | $72,053,750 | 5,632 |
| Average earning assets | $67,807,250 | 5,560 |
| Average equity | $7,925,000 | 5,581 |
| Average total loans | $57,534,750 | 4,862 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3392% | 975 |
| Cost of funding earning assets | 0.9292% | 2,194 |
| Net interest margin | 4.4100% | 1,175 |
| Noninterest income to average assets | 0.4292% | 4,437 |
| Noninterest expense to average assets | 2.6660% | 4,552 |
| Loan and lease loss provision to assets | 0.6520% | 867 |
| Net operating income to assets | 1.2766% | 1,498 |
| Return on assets (ROA) | 1.2766% | 1,662 |
| Pretax return on assets | 1.2766% | 2,637 |
| Return on Equity (ROE) | 11.7801% | 1,737 |
| Retained earnings to average equity (ytd only) | -5.3569% | 6,641 |
| Net charge-offs to loans | 0.6291% | 1,743 |
| Credit loss provision to net charge-offs | 130.2198% | 2,113 |
| Earnings coverage of net charge-offs (x) | 3.8516% | 3,249 |
| Efficiency ratio | 58.0240% | 5,872 |
| Assets per employee ($millions) | 3.4141% | 5,186 |
| Cash dividends to net income (ytd only)* | 145.4741% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 4,206 |
| Loan loss allowance to noncurrent loans | 56.0081% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 2.4213% | 2,307 |
| Noncurrent loans to loans | 2.6067% | 2,303 |
| Net loans and leases to total assets | 77.6668% | 764 |
| Net loans and leases to deposits | 94.2630% | 744 |
| Net loans and leases to core deposits | 98.1839% | 1,256 |
| Total domestic deposits to total assets | 82.3937% | 4,986 |
| Equity capital to assets | 10.7551% | 3,387 |
| Core capital (leverage) ratio | 10.5649% | 2,739 |
| Tier 1 risk-based capital ratio | 14.9328% | 3,812 |
| Total risk-based capital ratio | 16.1793% | 3,763 |
| Memoranda: | ||
| Average total assets | $72,694,000 | 5,648 |
| Average earning assets | $68,662,330 | 5,568 |
| Average equity | $7,877,670 | 5,611 |
| Average total loans | $57,857,330 | 4,876 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3905% | 928 |
| Cost of funding earning assets | 0.9775% | 2,121 |
| Net interest margin | 4.4131% | 1,196 |
| Noninterest income to average assets | 0.4099% | 4,596 |
| Noninterest expense to average assets | 2.9292% | 3,511 |
| Loan and lease loss provision to assets | 0.7487% | 679 |
| Net operating income to assets | 0.9017% | 2,905 |
| Return on assets (ROA) | 0.9017% | 3,133 |
| Pretax return on assets | 0.9017% | 4,023 |
| Return on Equity (ROE) | 8.2904% | 3,145 |
| Retained earnings to average equity (ytd only) | 4.8235% | 3,657 |
| Net charge-offs to loans | 1.0046% | 1,030 |
| Credit loss provision to net charge-offs | 93.1973% | 2,490 |
| Earnings coverage of net charge-offs (x) | 2.0544% | 3,327 |
| Efficiency ratio | 63.9618% | 4,930 |
| Assets per employee ($millions) | 3.6421% | 4,788 |
| Cash dividends to net income (ytd only)* | 41.8182% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 5,028 |
| Loan loss allowance to noncurrent loans | 84.2572% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.6364% | 3,397 |
| Noncurrent loans to loans | 1.5413% | 3,802 |
| Net loans and leases to total assets | 79.2987% | 471 |
| Net loans and leases to deposits | 96.1818% | 526 |
| Net loans and leases to core deposits | 100.6728% | 946 |
| Total domestic deposits to total assets | 82.4467% | 5,144 |
| Equity capital to assets | 11.0213% | 2,882 |
| Core capital (leverage) ratio | 10.9028% | 2,342 |
| Tier 1 risk-based capital ratio | 15.0996% | 3,693 |
| Total risk-based capital ratio | 16.2237% | 3,736 |
| Memoranda: | ||
| Average total assets | $73,193,000 | 5,674 |
| Average earning assets | $69,158,500 | 5,595 |
| Average equity | $7,961,000 | 5,610 |
| Average total loans | $58,531,500 | 4,881 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5445% | 1,069 |
| Cost of funding earning assets | 1.2789% | 1,583 |
| Net interest margin | 4.2657% | 1,821 |
| Noninterest income to average assets | 0.3940% | 4,664 |
| Noninterest expense to average assets | 2.5847% | 5,152 |
| Loan and lease loss provision to assets | 0.7126% | 1,436 |
| Net operating income to assets | 1.1185% | 1,762 |
| Return on assets (ROA) | 1.1185% | 1,886 |
| Pretax return on assets | 1.1185% | 2,770 |
| Return on Equity (ROE) | 10.8835% | 1,731 |
| Retained earnings to average equity (ytd only) | 2.0712% | 4,739 |
| Net charge-offs to loans | 1.5531% | 1,021 |
| Credit loss provision to net charge-offs | 57.0370% | 5,243 |
| Earnings coverage of net charge-offs (x) | 1.4656% | 4,669 |
| Efficiency ratio | 58.5329% | 5,976 |
| Assets per employee ($millions) | 3.5021% | 5,007 |
| Cash dividends to net income (ytd only)* | 80.9693% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 4,834 |
| Loan loss allowance to noncurrent loans | 78.3316% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.7187% | 3,375 |
| Noncurrent loans to loans | 1.6792% | 3,643 |
| Net loans and leases to total assets | 78.5519% | 649 |
| Net loans and leases to deposits | 95.0243% | 741 |
| Net loans and leases to core deposits | 99.6877% | 1,206 |
| Total domestic deposits to total assets | 82.6650% | 4,894 |
| Equity capital to assets | 10.7336% | 3,267 |
| Core capital (leverage) ratio | 10.5149% | 2,715 |
| Tier 1 risk-based capital ratio | 14.7467% | 3,797 |
| Total risk-based capital ratio | 15.9804% | 3,784 |
| Memoranda: | ||
| Average total assets | $75,636,200 | 5,585 |
| Average earning assets | $71,313,400 | 5,492 |
| Average equity | $7,773,200 | 5,637 |
| Average total loans | $60,846,000 | 4,834 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5830% | 1,073 |
| Cost of funding earning assets | 1.3340% | 1,533 |
| Net interest margin | 4.2490% | 1,913 |
| Noninterest income to average assets | 0.3939% | 4,711 |
| Noninterest expense to average assets | 2.6680% | 4,847 |
| Loan and lease loss provision to assets | 0.6828% | 1,414 |
| Net operating income to assets | 1.0469% | 2,150 |
| Return on assets (ROA) | 1.0469% | 2,299 |
| Pretax return on assets | 1.0469% | 3,225 |
| Return on Equity (ROE) | 10.2972% | 2,101 |
| Retained earnings to average equity (ytd only) | 0.3444% | 5,848 |
| Net charge-offs to loans | 1.0984% | 1,445 |
| Credit loss provision to net charge-offs | 77.0751% | 4,238 |
| Earnings coverage of net charge-offs (x) | 1.9526% | 4,192 |
| Efficiency ratio | 60.6688% | 5,614 |
| Assets per employee ($millions) | 3.5864% | 4,793 |
| Cash dividends to net income (ytd only)* | 96.6563% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7779% | 3,020 |
| Loan loss allowance to noncurrent loans | 124.8528% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 1.5880% | 3,707 |
| Noncurrent loans to loans | 1.4240% | 4,158 |
| Net loans and leases to total assets | 77.7548% | 735 |
| Net loans and leases to deposits | 93.9501% | 842 |
| Net loans and leases to core deposits | 98.4831% | 1,389 |
| Total domestic deposits to total assets | 82.7617% | 4,774 |
| Equity capital to assets | 10.3047% | 3,944 |
| Core capital (leverage) ratio | 10.5296% | 2,832 |
| Tier 1 risk-based capital ratio | 14.1761% | 4,218 |
| Total risk-based capital ratio | 15.4022% | 4,208 |
| Memoranda: | ||
| Average total assets | $76,159,000 | 5,607 |
| Average earning assets | $71,763,750 | 5,526 |
| Average equity | $7,743,000 | 5,679 |
| Average total loans | $61,422,250 | 4,852 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5546% | 1,164 |
| Cost of funding earning assets | 1.3928% | 1,452 |
| Net interest margin | 4.1618% | 2,181 |
| Noninterest income to average assets | 0.2983% | 5,503 |
| Noninterest expense to average assets | 2.6347% | 5,060 |
| Loan and lease loss provision to assets | 0.5233% | 1,872 |
| Net operating income to assets | 1.0649% | 1,984 |
| Return on assets (ROA) | 1.0649% | 2,075 |
| Pretax return on assets | 1.0649% | 2,988 |
| Return on Equity (ROE) | 10.5209% | 1,942 |
| Retained earnings to average equity (ytd only) | 1.0081% | 5,462 |
| Net charge-offs to loans | 0.7610% | 1,977 |
| Credit loss provision to net charge-offs | 84.7458% | 3,626 |
| Earnings coverage of net charge-offs (x) | 2.5720% | 3,540 |
| Efficiency ratio | 62.3916% | 5,524 |
| Assets per employee ($millions) | 3.5893% | 4,718 |
| Cash dividends to net income (ytd only)* | 90.4177% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8893% | 2,705 |
| Loan loss allowance to noncurrent loans | 184.7650% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 1.4514% | 4,039 |
| Noncurrent loans to loans | 1.0225% | 4,947 |
| Net loans and leases to total assets | 78.5396% | 700 |
| Net loans and leases to deposits | 95.0271% | 800 |
| Net loans and leases to core deposits | 99.6952% | 1,368 |
| Total domestic deposits to total assets | 82.6496% | 4,927 |
| Equity capital to assets | 10.2712% | 3,790 |
| Core capital (leverage) ratio | 10.3374% | 2,895 |
| Tier 1 risk-based capital ratio | 14.1289% | 4,075 |
| Total risk-based capital ratio | 15.3879% | 4,039 |
| Memoranda: | ||
| Average total assets | $76,440,330 | 5,642 |
| Average earning assets | $72,084,330 | 5,553 |
| Average equity | $7,737,000 | 5,692 |
| Average total loans | $62,022,670 | 4,868 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5776% | 1,101 |
| Cost of funding earning assets | 1.4357% | 1,450 |
| Net interest margin | 4.1420% | 2,109 |
| Noninterest income to average assets | 0.4209% | 4,534 |
| Noninterest expense to average assets | 2.5464% | 5,397 |
| Loan and lease loss provision to assets | 0.4989% | 1,748 |
| Net operating income to assets | 1.2888% | 1,300 |
| Return on assets (ROA) | 1.2888% | 1,343 |
| Pretax return on assets | 1.2888% | 2,076 |
| Return on Equity (ROE) | 12.8257% | 1,237 |
| Retained earnings to average equity (ytd only) | 12.4119% | 679 |
| Net charge-offs to loans | 1.0881% | 1,266 |
| Credit loss provision to net charge-offs | 56.1404% | 3,623 |
| Earnings coverage of net charge-offs (x) | 2.0117% | 3,299 |
| Efficiency ratio | 58.7530% | 6,166 |
| Assets per employee ($millions) | 3.8262% | 4,242 |
| Cash dividends to net income (ytd only)* | 3.2258% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7795% | 3,071 |
| Loan loss allowance to noncurrent loans | 193.6620% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 1.4375% | 4,112 |
| Noncurrent loans to loans | 0.9189% | 5,199 |
| Net loans and leases to total assets | 79.3422% | 586 |
| Net loans and leases to deposits | 96.3470% | 670 |
| Net loans and leases to core deposits | 100.5132% | 1,297 |
| Total domestic deposits to total assets | 82.3504% | 5,170 |
| Equity capital to assets | 10.2688% | 3,444 |
| Core capital (leverage) ratio | 10.3846% | 2,720 |
| Tier 1 risk-based capital ratio | 14.2099% | 3,933 |
| Total risk-based capital ratio | 15.4600% | 3,901 |
| Memoranda: | ||
| Average total assets | $76,972,500 | 5,670 |
| Average earning assets | $72,719,000 | 5,581 |
| Average equity | $7,734,500 | 5,697 |
| Average total loans | $62,864,000 | 4,874 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6540% | 1,733 |
| Cost of funding earning assets | 1.5809% | 2,182 |
| Net interest margin | 4.0732% | 2,691 |
| Noninterest income to average assets | 0.3633% | 5,203 |
| Noninterest expense to average assets | 2.4761% | 5,874 |
| Loan and lease loss provision to assets | 0.5717% | 2,842 |
| Net operating income to assets | 1.1421% | 1,572 |
| Return on assets (ROA) | 1.1472% | 1,635 |
| Pretax return on assets | 1.1472% | 2,409 |
| Return on Equity (ROE) | 12.1587% | 1,286 |
| Retained earnings to average equity (ytd only) | 5.1301% | 2,342 |
| Net charge-offs to loans | 0.5796% | 3,305 |
| Credit loss provision to net charge-offs | 120.3209% | 3,507 |
| Earnings coverage of net charge-offs (x) | 3.6070% | 3,282 |
| Efficiency ratio | 59.0964% | 6,182 |
| Assets per employee ($millions) | 3.8711% | 4,075 |
| Cash dividends to net income (ytd only)* | 57.8073% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8400% | 2,720 |
| Loan loss allowance to noncurrent loans | 143.7653% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 1.5719% | 3,947 |
| Noncurrent loans to loans | 1.2799% | 4,576 |
| Net loans and leases to total assets | 81.0325% | 538 |
| Net loans and leases to deposits | 100.0255% | 575 |
| Net loans and leases to core deposits | 104.3564% | 1,291 |
| Total domestic deposits to total assets | 81.0119% | 5,520 |
| Equity capital to assets | 9.8305% | 3,961 |
| Core capital (leverage) ratio | 10.0382% | 3,047 |
| Tier 1 risk-based capital ratio | 13.4999% | 4,201 |
| Total risk-based capital ratio | 14.7761% | 4,147 |
| Memoranda: | ||
| Average total assets | $78,713,600 | 5,628 |
| Average earning assets | $73,947,000 | 5,543 |
| Average equity | $7,426,800 | 5,899 |
| Average total loans | $64,524,800 | 4,886 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6111% | 2,025 |
| Cost of funding earning assets | 1.6188% | 2,286 |
| Net interest margin | 3.9923% | 3,141 |
| Noninterest income to average assets | 0.4099% | 4,878 |
| Noninterest expense to average assets | 2.4832% | 5,770 |
| Loan and lease loss provision to assets | 0.4858% | 3,046 |
| Net operating income to assets | 1.1893% | 1,620 |
| Return on assets (ROA) | 1.1960% | 1,686 |
| Pretax return on assets | 1.1960% | 2,502 |
| Return on Equity (ROE) | 12.8078% | 1,313 |
| Retained earnings to average equity (ytd only) | 3.5225% | 3,974 |
| Net charge-offs to loans | 0.4721% | 3,387 |
| Credit loss provision to net charge-offs | 125.7642% | 3,251 |
| Earnings coverage of net charge-offs (x) | 4.3362% | 3,094 |
| Efficiency ratio | 59.7160% | 5,996 |
| Assets per employee ($millions) | 3.9176% | 4,000 |
| Cash dividends to net income (ytd only)* | 72.4969% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7949% | 2,809 |
| Loan loss allowance to noncurrent loans | 196.6102% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 1.2304% | 4,693 |
| Noncurrent loans to loans | 0.9129% | 5,418 |
| Net loans and leases to total assets | 81.0034% | 620 |
| Net loans and leases to deposits | 103.8383% | 436 |
| Net loans and leases to core deposits | 106.7031% | 1,263 |
| Total domestic deposits to total assets | 78.0092% | 6,256 |
| Equity capital to assets | 9.6080% | 4,676 |
| Core capital (leverage) ratio | 9.8967% | 3,359 |
| Tier 1 risk-based capital ratio | 13.0526% | 4,542 |
| Total risk-based capital ratio | 14.3052% | 4,514 |
| Memoranda: | ||
| Average total assets | $79,036,500 | 5,690 |
| Average earning assets | $74,208,250 | 5,600 |
| Average equity | $7,380,750 | 5,993 |
| Average total loans | $64,677,750 | 4,958 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5829% | 2,201 |
| Cost of funding earning assets | 1.6767% | 2,252 |
| Net interest margin | 3.9061% | 3,414 |
| Noninterest income to average assets | 0.3381% | 5,444 |
| Noninterest expense to average assets | 2.5055% | 5,702 |
| Loan and lease loss provision to assets | 0.4845% | 2,881 |
| Net operating income to assets | 1.0042% | 2,180 |
| Return on assets (ROA) | 1.0042% | 2,260 |
| Pretax return on assets | 1.0042% | 3,100 |
| Return on Equity (ROE) | 10.8570% | 1,792 |
| Retained earnings to average equity (ytd only) | -2.9734% | 6,296 |
| Net charge-offs to loans | 0.5163% | 2,983 |
| Credit loss provision to net charge-offs | 114.9701% | 3,537 |
| Earnings coverage of net charge-offs (x) | 3.5329% | 3,287 |
| Efficiency ratio | 62.7290% | 5,568 |
| Assets per employee ($millions) | 3.9323% | 3,904 |
| Cash dividends to net income (ytd only)* | 127.3869% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7563% | 2,871 |
| Loan loss allowance to noncurrent loans | 171.1246% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 1.3122% | 4,521 |
| Noncurrent loans to loans | 1.0263% | 5,253 |
| Net loans and leases to total assets | 80.0903% | 782 |
| Net loans and leases to deposits | 100.3905% | 689 |
| Net loans and leases to core deposits | 102.5012% | 1,780 |
| Total domestic deposits to total assets | 79.7788% | 5,796 |
| Equity capital to assets | 9.1462% | 5,225 |
| Core capital (leverage) ratio | 9.2983% | 4,123 |
| Tier 1 risk-based capital ratio | 12.5072% | 4,854 |
| Total risk-based capital ratio | 13.7652% | 4,819 |
| Memoranda: | ||
| Average total assets | $79,265,000 | 5,719 |
| Average earning assets | $74,191,330 | 5,634 |
| Average equity | $7,331,670 | 6,024 |
| Average total loans | $64,694,670 | 4,994 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5916% | 2,183 |
| Cost of funding earning assets | 1.7065% | 2,358 |
| Net interest margin | 3.8851% | 3,393 |
| Noninterest income to average assets | 0.4072% | 4,855 |
| Noninterest expense to average assets | 2.5737% | 5,462 |
| Loan and lease loss provision to assets | 0.3619% | 3,200 |
| Net operating income to assets | 1.1109% | 1,796 |
| Return on assets (ROA) | 1.1109% | 1,878 |
| Pretax return on assets | 1.1109% | 2,696 |
| Return on Equity (ROE) | 11.9443% | 1,517 |
| Retained earnings to average equity (ytd only) | 11.5660% | 819 |
| Net charge-offs to loans | 0.6094% | 2,293 |
| Credit loss provision to net charge-offs | 72.7273% | 4,039 |
| Earnings coverage of net charge-offs (x) | 2.9596% | 3,071 |
| Efficiency ratio | 63.6025% | 5,564 |
| Assets per employee ($millions) | 3.7425% | 4,455 |
| Cash dividends to net income (ytd only)* | 3.1674% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 3,181 |
| Loan loss allowance to noncurrent loans | 362.5000% | 862 |
| Noncurrent assets plus other real estate owned to assets | 1.0077% | 5,139 |
| Noncurrent loans to loans | 0.4600% | 6,373 |
| Net loans and leases to total assets | 80.5056% | 766 |
| Net loans and leases to deposits | 101.3211% | 677 |
| Net loans and leases to core deposits | 104.2734% | 1,718 |
| Total domestic deposits to total assets | 79.4559% | 5,973 |
| Equity capital to assets | 9.5391% | 4,468 |
| Core capital (leverage) ratio | 9.5765% | 3,672 |
| Tier 1 risk-based capital ratio | 13.1717% | 4,226 |
| Total risk-based capital ratio | 14.4465% | 4,167 |
| Memoranda: | ||
| Average total assets | $79,575,000 | 5,781 |
| Average earning assets | $74,540,500 | 5,688 |
| Average equity | $7,401,000 | 6,057 |
| Average total loans | $64,985,500 | 5,044 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9957% | 1,892 |
| Cost of funding earning assets | 2.5880% | 812 |
| Net interest margin | 3.4077% | 5,336 |
| Noninterest income to average assets | 0.4485% | 4,824 |
| Noninterest expense to average assets | 2.4314% | 6,369 |
| Loan and lease loss provision to assets | 0.5512% | 3,615 |
| Net operating income to assets | 0.6842% | 2,998 |
| Return on assets (ROA) | 0.8362% | 2,482 |
| Pretax return on assets | 0.8362% | 3,124 |
| Return on Equity (ROE) | 9.0137% | 2,019 |
| Retained earnings to average equity (ytd only) | -3.0182% | 5,704 |
| Net charge-offs to loans | 0.3934% | 4,246 |
| Credit loss provision to net charge-offs | 167.9537% | 2,564 |
| Earnings coverage of net charge-offs (x) | 3.7645% | 3,208 |
| Efficiency ratio | 66.3096% | 5,335 |
| Assets per employee ($millions) | 3.8361% | 4,192 |
| Cash dividends to net income (ytd only)* | 133.4848% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6777% | 2,974 |
| Loan loss allowance to noncurrent loans | 322.8739% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.9558% | 5,194 |
| Noncurrent loans to loans | 0.5196% | 6,211 |
| Net loans and leases to total assets | 80.0988% | 977 |
| Net loans and leases to deposits | 101.7423% | 769 |
| Net loans and leases to core deposits | 132.3692% | 1,150 |
| Total domestic deposits to total assets | 78.7271% | 6,052 |
| Equity capital to assets | 9.0680% | 5,036 |
| Core capital (leverage) ratio | 9.3786% | 3,860 |
| Tier 1 risk-based capital ratio | 12.5525% | 4,481 |
| Total risk-based capital ratio | 13.7978% | 4,426 |
| Memoranda: | ||
| Average total assets | $78,925,200 | 5,757 |
| Average earning assets | $74,536,600 | 5,653 |
| Average equity | $7,322,200 | 6,167 |
| Average total loans | $65,841,800 | 5,027 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0504% | 1,839 |
| Cost of funding earning assets | 2.7134% | 766 |
| Net interest margin | 3.3370% | 5,500 |
| Noninterest income to average assets | 0.6674% | 3,237 |
| Noninterest expense to average assets | 2.5047% | 6,053 |
| Loan and lease loss provision to assets | 0.6130% | 2,942 |
| Net operating income to assets | 0.7115% | 3,164 |
| Return on assets (ROA) | 0.7115% | 3,232 |
| Pretax return on assets | 0.7115% | 3,816 |
| Return on Equity (ROE) | 7.6251% | 2,807 |
| Retained earnings to average equity (ytd only) | -6.4422% | 6,439 |
| Net charge-offs to loans | 0.4472% | 3,442 |
| Credit loss provision to net charge-offs | 163.3484% | 2,887 |
| Earnings coverage of net charge-offs (x) | 3.5294% | 3,494 |
| Efficiency ratio | 65.4102% | 5,473 |
| Assets per employee ($millions) | 4.4426% | 2,953 |
| Cash dividends to net income (ytd only)* | 184.4876% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6183% | 2,924 |
| Loan loss allowance to noncurrent loans | 221.8750% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 1.0204% | 5,036 |
| Noncurrent loans to loans | 0.7294% | 5,849 |
| Net loans and leases to total assets | 80.9659% | 985 |
| Net loans and leases to deposits | 96.9222% | 1,456 |
| Net loans and leases to core deposits | 130.4101% | 1,410 |
| Total domestic deposits to total assets | 83.5370% | 3,937 |
| Equity capital to assets | 8.9700% | 5,525 |
| Core capital (leverage) ratio | 9.3313% | 4,137 |
| Tier 1 risk-based capital ratio | 12.2902% | 4,718 |
| Total risk-based capital ratio | 13.5357% | 4,661 |
| Memoranda: | ||
| Average total assets | $78,517,000 | 5,810 |
| Average earning assets | $74,395,250 | 5,701 |
| Average equity | $7,326,500 | 6,213 |
| Average total loans | $65,895,500 | 5,070 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1636% | 1,583 |
| Cost of funding earning assets | 2.8433% | 706 |
| Net interest margin | 3.3203% | 5,472 |
| Noninterest income to average assets | 0.4203% | 5,118 |
| Noninterest expense to average assets | 2.4759% | 6,198 |
| Loan and lease loss provision to assets | 0.8355% | 2,003 |
| Net operating income to assets | 0.2486% | 5,088 |
| Return on assets (ROA) | 0.5562% | 3,971 |
| Pretax return on assets | 0.5562% | 4,450 |
| Return on Equity (ROE) | 5.8826% | 3,707 |
| Retained earnings to average equity (ytd only) | -14.8556% | 7,226 |
| Net charge-offs to loans | 0.6219% | 2,478 |
| Credit loss provision to net charge-offs | 159.0244% | 2,891 |
| Earnings coverage of net charge-offs (x) | 2.0634% | 4,049 |
| Efficiency ratio | 69.5464% | 4,867 |
| Assets per employee ($millions) | 3.9374% | 3,798 |
| Cash dividends to net income (ytd only)* | 352.5346% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 2,734 |
| Loan loss allowance to noncurrent loans | 316.0121% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.8457% | 5,296 |
| Noncurrent loans to loans | 0.5068% | 6,260 |
| Net loans and leases to total assets | 81.6135% | 1,024 |
| Net loans and leases to deposits | 94.0609% | 2,079 |
| Net loans and leases to core deposits | 126.0869% | 1,863 |
| Total domestic deposits to total assets | 86.7666% | 2,369 |
| Equity capital to assets | 8.8307% | 5,555 |
| Core capital (leverage) ratio | 8.9258% | 4,747 |
| Tier 1 risk-based capital ratio | 11.9930% | 4,924 |
| Total risk-based capital ratio | 13.2336% | 4,853 |
| Memoranda: | ||
| Average total assets | $78,033,670 | 5,863 |
| Average earning assets | $73,788,000 | 5,754 |
| Average equity | $7,377,670 | 6,235 |
| Average total loans | $65,923,670 | 5,112 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2567% | 1,422 |
| Cost of funding earning assets | 2.8735% | 820 |
| Net interest margin | 3.3832% | 5,203 |
| Noninterest income to average assets | 0.3914% | 5,288 |
| Noninterest expense to average assets | 2.4203% | 6,130 |
| Loan and lease loss provision to assets | 0.9578% | 1,357 |
| Net operating income to assets | 0.2266% | 5,573 |
| Return on assets (ROA) | 0.8445% | 3,081 |
| Pretax return on assets | 0.8445% | 3,908 |
| Return on Equity (ROE) | 8.6435% | 2,865 |
| Retained earnings to average equity (ytd only) | 8.2746% | 1,717 |
| Net charge-offs to loans | 0.3865% | 2,552 |
| Credit loss provision to net charge-offs | 290.6250% | 1,670 |
| Earnings coverage of net charge-offs (x) | 3.5938% | 3,128 |
| Efficiency ratio | 67.1429% | 5,111 |
| Assets per employee ($millions) | 3.8852% | 3,910 |
| Cash dividends to net income (ytd only)* | 4.2683% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 2,525 |
| Loan loss allowance to noncurrent loans | 425.6098% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.4955% | 5,983 |
| Noncurrent loans to loans | 0.3756% | 6,478 |
| Net loans and leases to total assets | 82.9442% | 854 |
| Net loans and leases to deposits | 98.1692% | 1,637 |
| Net loans and leases to core deposits | 132.5607% | 1,500 |
| Total domestic deposits to total assets | 84.4911% | 3,464 |
| Equity capital to assets | 9.8721% | 4,153 |
| Core capital (leverage) ratio | 9.9406% | 3,469 |
| Tier 1 risk-based capital ratio | 13.2672% | 4,011 |
| Total risk-based capital ratio | 14.5065% | 3,939 |
| Memoranda: | ||
| Average total assets | $77,676,500 | 5,897 |
| Average earning assets | $73,776,500 | 5,783 |
| Average equity | $7,589,500 | 6,192 |
| Average total loans | $66,228,000 | 5,127 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2757% | 624 |
| Cost of funding earning assets | 3.3436% | 823 |
| Net interest margin | 3.9320% | 3,437 |
| Noninterest income to average assets | 0.5153% | 4,509 |
| Noninterest expense to average assets | 2.3193% | 6,643 |
| Loan and lease loss provision to assets | 0.7131% | 2,071 |
| Net operating income to assets | 1.2181% | 1,716 |
| Return on assets (ROA) | 1.2168% | 1,671 |
| Pretax return on assets | 1.2168% | 2,588 |
| Return on Equity (ROE) | 12.8021% | 1,383 |
| Retained earnings to average equity (ytd only) | 0.3244% | 5,043 |
| Net charge-offs to loans | 0.8720% | 1,431 |
| Credit loss provision to net charge-offs | 97.3684% | 5,465 |
| Earnings coverage of net charge-offs (x) | 2.6368% | 4,773 |
| Efficiency ratio | 54.5647% | 7,205 |
| Assets per employee ($millions) | 3.8825% | 3,776 |
| Cash dividends to net income (ytd only)* | 97.4657% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3815% | 3,303 |
| Loan loss allowance to noncurrent loans | 848.6239% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 6,375 |
| Noncurrent loans to loans | 0.1628% | 6,913 |
| Net loans and leases to total assets | 85.0404% | 732 |
| Net loans and leases to deposits | 101.3538% | 1,663 |
| Net loans and leases to core deposits | 136.0355% | 1,481 |
| Total domestic deposits to total assets | 83.9045% | 3,368 |
| Equity capital to assets | 9.6692% | 4,463 |
| Core capital (leverage) ratio | 9.8731% | 3,573 |
| Tier 1 risk-based capital ratio | 12.5931% | 4,376 |
| Total risk-based capital ratio | 13.7840% | 4,320 |
| Memoranda: | ||
| Average total assets | $77,825,200 | 5,772 |
| Average earning assets | $73,931,400 | 5,664 |
| Average equity | $7,397,200 | 6,318 |
| Average total loans | $65,368,200 | 5,045 |