Home > Citizens Bank & Trust Company > Performance and Condition Ratios
Citizens Bank & Trust Company, 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 | 5.3484% | 1,402 |
| Cost of funding earning assets | 1.4788% | 1,993 |
| Net interest margin | 3.8695% | 1,440 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.9208% | 1,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8639% | 2,654 |
| Return on assets (ROA) | 0.8989% | 2,523 |
| Pretax return on assets | 1.1309% | 2,318 |
| Return on Equity (ROE) | 11.0900% | 2,202 |
| Retained earnings to average equity (ytd only) | 8.9828% | 1,261 |
| Net charge-offs to loans | 0.5095% | 197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 2.7536% | 2,676 |
| Efficiency ratio | 72.8859% | 1,565 |
| Assets per employee ($millions) | 5.0125% | 3,625 |
| Cash dividends to net income (ytd only)* | 18.9753% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8155% | 3,930 |
| Loan loss allowance to noncurrent loans | 400.6920% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 1,266 |
| Noncurrent loans to loans | 0.2035% | 2,495 |
| Net loans and leases to total assets | 78.0500% | 863 |
| Net loans and leases to deposits | 94.5784% | 900 |
| Net loans and leases to core deposits | 106.3517% | 1,100 |
| Total domestic deposits to total assets | 82.5300% | 3,011 |
| Equity capital to assets | 8.4278% | 3,104 |
| Core capital (leverage) ratio | 9.9427% | 2,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $175,879,200 | 3,160 |
| Average earning assets | $167,023,400 | 3,124 |
| Average equity | $14,260,600 | 3,321 |
| Average total loans | $136,213,400 | 2,805 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1940% | 1,465 |
| Cost of funding earning assets | 1.2822% | 2,190 |
| Net interest margin | 3.9118% | 1,375 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.9217% | 1,191 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7988% | 3,026 |
| Return on assets (ROA) | 0.8187% | 2,957 |
| Pretax return on assets | 1.0469% | 2,719 |
| Return on Equity (ROE) | 10.2000% | 2,583 |
| Retained earnings to average equity (ytd only) | 10.2015% | 1,344 |
| Net charge-offs to loans | 0.5481% | 157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 2.4170% | 2,482 |
| Efficiency ratio | 74.0906% | 1,353 |
| Assets per employee ($millions) | 4.8786% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 3,515 |
| Loan loss allowance to noncurrent loans | 429.8013% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 1,092 |
| Noncurrent loans to loans | 0.2245% | 2,454 |
| Net loans and leases to total assets | 75.8500% | 1,140 |
| Net loans and leases to deposits | 89.3751% | 1,279 |
| Net loans and leases to core deposits | 99.1294% | 1,368 |
| Total domestic deposits to total assets | 84.8700% | 2,540 |
| Equity capital to assets | 8.1291% | 2,962 |
| Core capital (leverage) ratio | 10.0355% | 2,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $174,736,250 | 3,178 |
| Average earning assets | $165,546,000 | 3,141 |
| Average equity | $14,023,750 | 3,334 |
| Average total loans | $134,765,250 | 2,824 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0522% | 1,462 |
| Cost of funding earning assets | 1.0868% | 2,329 |
| Net interest margin | 3.9654% | 1,303 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.9615% | 1,103 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8264% | 2,997 |
| Return on assets (ROA) | 0.8771% | 2,822 |
| Pretax return on assets | 1.1225% | 2,581 |
| Return on Equity (ROE) | 10.9800% | 2,425 |
| Retained earnings to average equity (ytd only) | 10.9761% | 1,187 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.6737% | 1,382 |
| Assets per employee ($millions) | 4.6461% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 1,567 |
| Loan loss allowance to noncurrent loans | 122.7303% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 1.2846% | 305 |
| Noncurrent loans to loans | 1.1319% | 625 |
| Net loans and leases to total assets | 74.4600% | 1,229 |
| Net loans and leases to deposits | 87.3830% | 1,394 |
| Net loans and leases to core deposits | 96.4888% | 1,438 |
| Total domestic deposits to total assets | 85.2100% | 2,483 |
| Equity capital to assets | 8.0854% | 3,157 |
| Core capital (leverage) ratio | 9.6735% | 3,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $174,439,000 | 3,184 |
| Average earning assets | $165,076,667 | 3,158 |
| Average equity | $13,939,333 | 3,363 |
| Average total loans | $134,848,000 | 2,824 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8241% | 1,571 |
| Cost of funding earning assets | 0.8833% | 2,428 |
| Net interest margin | 3.9408% | 1,386 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 3.1007% | 936 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7058% | 3,452 |
| Return on assets (ROA) | 0.7659% | 3,258 |
| Pretax return on assets | 0.9782% | 3,059 |
| Return on Equity (ROE) | 9.6400% | 2,884 |
| Retained earnings to average equity (ytd only) | 9.6431% | 1,783 |
| Net charge-offs to loans | 0.8849% | 87 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1.3033% | 1,975 |
| Efficiency ratio | 77.4640% | 1,050 |
| Assets per employee ($millions) | 4.9148% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 2,799 |
| Loan loss allowance to noncurrent loans | 102.5099% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 1.7442% | 163 |
| Noncurrent loans to loans | 1.1258% | 632 |
| Net loans and leases to total assets | 75.1300% | 1,062 |
| Net loans and leases to deposits | 87.6369% | 1,238 |
| Net loans and leases to core deposits | 96.4826% | 1,253 |
| Total domestic deposits to total assets | 85.7300% | 2,671 |
| Equity capital to assets | 7.8324% | 3,358 |
| Core capital (leverage) ratio | 9.8651% | 2,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $173,382,000 | 3,238 |
| Average earning assets | $164,838,000 | 3,195 |
| Average equity | $13,771,500 | 3,414 |
| Average total loans | $135,613,000 | 2,847 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4943% | 728 |
| Cost of funding earning assets | 0.4073% | 2,035 |
| Net interest margin | 4.0870% | 677 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.6217% | 1,767 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.0961% | 2,189 |
| Return on assets (ROA) | 1.0354% | 2,374 |
| Pretax return on assets | 1.2998% | 2,089 |
| Return on Equity (ROE) | 12.8800% | 1,847 |
| Retained earnings to average equity (ytd only) | 11.7929% | 713 |
| Net charge-offs to loans | 0.0412% | 1,287 |
| Credit loss provision to net charge-offs | 605.7692% | 596 |
| Earnings coverage of net charge-offs (x) | 51.3846% | 1,343 |
| Efficiency ratio | 62.7024% | 2,676 |
| Assets per employee ($millions) | 4.5901% | 3,972 |
| Cash dividends to net income (ytd only)* | 8.4555% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 3,073 |
| Loan loss allowance to noncurrent loans | 43.3045% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.9743% | 122 |
| Noncurrent loans to loans | 2.4519% | 192 |
| Net loans and leases to total assets | 79.6600% | 630 |
| Net loans and leases to deposits | 87.3419% | 1,217 |
| Net loans and leases to core deposits | 95.5892% | 1,229 |
| Total domestic deposits to total assets | 91.2100% | 868 |
| Equity capital to assets | 8.0579% | 3,029 |
| Core capital (leverage) ratio | 9.7420% | 2,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $171,336,400 | 3,261 |
| Average earning assets | $163,516,800 | 3,215 |
| Average equity | $13,771,000 | 3,494 |
| Average total loans | $126,283,800 | 2,866 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3409% | 668 |
| Cost of funding earning assets | 0.3338% | 1,824 |
| Net interest margin | 4.0071% | 633 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.5616% | 1,823 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1584% | 1,862 |
| Return on assets (ROA) | 1.0614% | 2,208 |
| Pretax return on assets | 1.3581% | 1,855 |
| Return on Equity (ROE) | 13.2100% | 1,639 |
| Retained earnings to average equity (ytd only) | 13.2146% | 582 |
| Net charge-offs to loans | 0.0658% | 834 |
| Credit loss provision to net charge-offs | 106.5574% | 1,289 |
| Earnings coverage of net charge-offs (x) | 32.3279% | 1,490 |
| Efficiency ratio | 62.5877% | 2,755 |
| Assets per employee ($millions) | 4.4111% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 3,866 |
| Loan loss allowance to noncurrent loans | 36.1980% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.9142% | 142 |
| Noncurrent loans to loans | 2.4775% | 215 |
| Net loans and leases to total assets | 76.5700% | 852 |
| Net loans and leases to deposits | 83.8281% | 1,312 |
| Net loans and leases to core deposits | 91.6246% | 1,203 |
| Total domestic deposits to total assets | 91.3400% | 1,107 |
| Equity capital to assets | 7.6602% | 3,117 |
| Core capital (leverage) ratio | 9.5285% | 3,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $171,712,250 | 3,284 |
| Average earning assets | $163,770,250 | 3,239 |
| Average equity | $13,792,500 | 3,539 |
| Average total loans | $123,667,500 | 2,893 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2093% | 621 |
| Cost of funding earning assets | 0.3166% | 1,560 |
| Net interest margin | 3.8927% | 616 |
| Noninterest income to average assets | 0.2576% | 3,628 |
| Noninterest expense to average assets | 2.4999% | 1,930 |
| Loan and lease loss provision to assets | 0.0758% | 1,274 |
| Net operating income to assets | 1.0908% | 1,807 |
| Return on assets (ROA) | 0.9767% | 2,214 |
| Pretax return on assets | 1.2482% | 1,905 |
| Return on Equity (ROE) | 11.9737% | 1,676 |
| Retained earnings to average equity (ytd only) | 11.9737% | 608 |
| Net charge-offs to loans | 0.1012% | 581 |
| Credit loss provision to net charge-offs | 106.5574% | 1,237 |
| Earnings coverage of net charge-offs (x) | 20.6557% | 1,543 |
| Efficiency ratio | 62.9956% | 2,920 |
| Assets per employee ($millions) | 4.7535% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 3,695 |
| Loan loss allowance to noncurrent loans | 56.3327% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.2031% | 350 |
| Noncurrent loans to loans | 1.7348% | 390 |
| Net loans and leases to total assets | 68.6743% | 1,420 |
| Net loans and leases to deposits | 75.1183% | 1,752 |
| Net loans and leases to core deposits | 78.9573% | 1,779 |
| Total domestic deposits to total assets | 91.4215% | 1,053 |
| Equity capital to assets | 7.7297% | 3,325 |
| Core capital (leverage) ratio | 9.2049% | 3,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,605,667 | 3,319 |
| Average earning assets | $163,589,667 | 3,284 |
| Average equity | $13,997,333 | 3,584 |
| Average total loans | $120,584,333 | 2,937 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 495 |
| Cost of funding earning assets | 0.3213% | 1,449 |
| Net interest margin | 3.9055% | 497 |
| Noninterest income to average assets | 0.2620% | 3,561 |
| Noninterest expense to average assets | 2.5019% | 1,878 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1662% | 1,339 |
| Return on assets (ROA) | 1.0692% | 1,614 |
| Pretax return on assets | 1.3666% | 1,339 |
| Return on Equity (ROE) | 12.7619% | 1,094 |
| Retained earnings to average equity (ytd only) | 12.7619% | 491 |
| Net charge-offs to loans | -0.0100% | 3,590 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6848% | 3,181 |
| Assets per employee ($millions) | 4.6664% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 3,747 |
| Loan loss allowance to noncurrent loans | 422.6950% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.1633% | 2,659 |
| Noncurrent loans to loans | 0.2361% | 2,646 |
| Net loans and leases to total assets | 68.5025% | 1,164 |
| Net loans and leases to deposits | 75.1088% | 1,514 |
| Net loans and leases to core deposits | 79.0378% | 1,551 |
| Total domestic deposits to total assets | 91.2044% | 930 |
| Equity capital to assets | 7.9830% | 3,587 |
| Core capital (leverage) ratio | 9.2434% | 3,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,468,000 | 3,352 |
| Average earning assets | $161,823,000 | 3,309 |
| Average equity | $14,198,500 | 3,633 |
| Average total loans | $119,888,000 | 2,946 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0639% | 1,221 |
| Cost of funding earning assets | 0.3981% | 1,558 |
| Net interest margin | 3.6658% | 1,300 |
| Noninterest income to average assets | 0.3123% | 3,535 |
| Noninterest expense to average assets | 2.8016% | 1,360 |
| Loan and lease loss provision to assets | 0.0372% | 2,298 |
| Net operating income to assets | 0.7775% | 3,400 |
| Return on assets (ROA) | 0.8033% | 3,395 |
| Pretax return on assets | 1.0044% | 3,249 |
| Return on Equity (ROE) | 9.1503% | 2,856 |
| Retained earnings to average equity (ytd only) | 8.4432% | 1,370 |
| Net charge-offs to loans | -0.0048% | 3,546 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5136% | 1,366 |
| Assets per employee ($millions) | 4.4941% | 4,120 |
| Cash dividends to net income (ytd only)* | 7.7280% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 3,798 |
| Loan loss allowance to noncurrent loans | 409.6552% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 2,715 |
| Noncurrent loans to loans | 0.2410% | 2,765 |
| Net loans and leases to total assets | 71.6396% | 863 |
| Net loans and leases to deposits | 79.3064% | 1,274 |
| Net loans and leases to core deposits | 83.6720% | 1,349 |
| Total domestic deposits to total assets | 90.3326% | 791 |
| Equity capital to assets | 8.7887% | 3,817 |
| Core capital (leverage) ratio | 9.0593% | 3,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,086,800 | 3,385 |
| Average earning assets | $153,744,800 | 3,337 |
| Average equity | $14,141,600 | 3,728 |
| Average total loans | $105,222,600 | 3,136 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 1,590 |
| Cost of funding earning assets | 0.4160% | 1,574 |
| Net interest margin | 3.5633% | 1,692 |
| Noninterest income to average assets | 0.3037% | 3,618 |
| Noninterest expense to average assets | 2.8337% | 1,263 |
| Loan and lease loss provision to assets | 0.0501% | 1,994 |
| Net operating income to assets | 0.6537% | 3,889 |
| Return on assets (ROA) | 0.6851% | 3,867 |
| Pretax return on assets | 0.8544% | 3,785 |
| Return on Equity (ROE) | 7.8057% | 3,457 |
| Retained earnings to average equity (ytd only) | 7.8057% | 2,116 |
| Net charge-offs to loans | -0.0066% | 3,517 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6073% | 992 |
| Assets per employee ($millions) | 4.1060% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 3,169 |
| Loan loss allowance to noncurrent loans | 393.3775% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 2,884 |
| Noncurrent loans to loans | 0.2947% | 2,735 |
| Net loans and leases to total assets | 61.6796% | 2,044 |
| Net loans and leases to deposits | 68.4089% | 2,405 |
| Net loans and leases to core deposits | 72.3694% | 2,398 |
| Total domestic deposits to total assets | 90.1631% | 702 |
| Equity capital to assets | 8.7860% | 4,010 |
| Core capital (leverage) ratio | 8.9899% | 3,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,788,250 | 3,432 |
| Average earning assets | $152,252,750 | 3,389 |
| Average equity | $14,023,500 | 3,787 |
| Average total loans | $101,450,500 | 3,220 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 1,481 |
| Cost of funding earning assets | 0.4240% | 1,709 |
| Net interest margin | 3.6106% | 1,569 |
| Noninterest income to average assets | 0.3108% | 3,571 |
| Noninterest expense to average assets | 2.9007% | 1,144 |
| Loan and lease loss provision to assets | 0.0758% | 1,572 |
| Net operating income to assets | 0.6231% | 3,933 |
| Return on assets (ROA) | 0.6746% | 3,886 |
| Pretax return on assets | 0.8414% | 3,788 |
| Return on Equity (ROE) | 7.6901% | 3,488 |
| Retained earnings to average equity (ytd only) | 7.6901% | 2,197 |
| Net charge-offs to loans | -0.0099% | 3,666 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2804% | 965 |
| Assets per employee ($millions) | 4.2693% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 3,040 |
| Loan loss allowance to noncurrent loans | 380.7692% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 3,020 |
| Noncurrent loans to loans | 0.3106% | 2,812 |
| Net loans and leases to total assets | 59.6179% | 2,471 |
| Net loans and leases to deposits | 65.8588% | 2,835 |
| Net loans and leases to core deposits | 69.8523% | 2,800 |
| Total domestic deposits to total assets | 90.5238% | 546 |
| Equity capital to assets | 8.4624% | 4,230 |
| Core capital (leverage) ratio | 8.9462% | 3,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,304,667 | 3,447 |
| Average earning assets | $150,944,000 | 3,403 |
| Average equity | $13,888,000 | 3,804 |
| Average total loans | $101,104,000 | 3,238 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 1,410 |
| Cost of funding earning assets | 0.4492% | 1,727 |
| Net interest margin | 3.6426% | 1,468 |
| Noninterest income to average assets | 0.3165% | 3,512 |
| Noninterest expense to average assets | 2.9856% | 1,020 |
| Loan and lease loss provision to assets | 0.0778% | 1,637 |
| Net operating income to assets | 0.5816% | 3,989 |
| Return on assets (ROA) | 0.6148% | 3,969 |
| Pretax return on assets | 0.7652% | 3,875 |
| Return on Equity (ROE) | 6.8760% | 3,636 |
| Retained earnings to average equity (ytd only) | 6.8760% | 2,617 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8356% | 908 |
| Assets per employee ($millions) | 4.1050% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 3,161 |
| Loan loss allowance to noncurrent loans | 353.6810% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 3,133 |
| Noncurrent loans to loans | 0.3270% | 2,930 |
| Net loans and leases to total assets | 61.5510% | 2,334 |
| Net loans and leases to deposits | 68.0069% | 2,703 |
| Net loans and leases to core deposits | 72.3129% | 2,674 |
| Total domestic deposits to total assets | 90.5069% | 583 |
| Equity capital to assets | 8.5456% | 4,079 |
| Core capital (leverage) ratio | 9.1290% | 3,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,206,000 | 3,486 |
| Average earning assets | $146,926,500 | 3,455 |
| Average equity | $13,787,000 | 3,813 |
| Average total loans | $101,429,500 | 3,236 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 1,180 |
| Cost of funding earning assets | 0.6632% | 1,910 |
| Net interest margin | 3.8969% | 1,219 |
| Noninterest income to average assets | 0.3828% | 3,193 |
| Noninterest expense to average assets | 3.2137% | 1,035 |
| Loan and lease loss provision to assets | 0.1027% | 3,045 |
| Net operating income to assets | 0.6009% | 3,754 |
| Return on assets (ROA) | 0.6491% | 3,724 |
| Pretax return on assets | 0.8060% | 3,618 |
| Return on Equity (ROE) | 6.5266% | 3,396 |
| Retained earnings to average equity (ytd only) | 5.7892% | 1,906 |
| Net charge-offs to loans | 0.0090% | 3,005 |
| Credit loss provision to net charge-offs | 1,555.5556% | 535 |
| Earnings coverage of net charge-offs (x) | 128.6667% | 658 |
| Efficiency ratio | 79.0975% | 950 |
| Assets per employee ($millions) | 3.8030% | 4,507 |
| Cash dividends to net income (ytd only)* | 11.2994% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 3,517 |
| Loan loss allowance to noncurrent loans | 338.2530% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 2,482 |
| Noncurrent loans to loans | 0.3218% | 3,053 |
| Net loans and leases to total assets | 68.8006% | 1,719 |
| Net loans and leases to deposits | 76.7437% | 2,205 |
| Net loans and leases to core deposits | 82.0743% | 2,186 |
| Total domestic deposits to total assets | 89.6499% | 701 |
| Equity capital to assets | 9.3671% | 3,724 |
| Core capital (leverage) ratio | 9.5638% | 3,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,352,800 | 3,553 |
| Average earning assets | $128,769,200 | 3,523 |
| Average equity | $13,559,800 | 3,808 |
| Average total loans | $99,543,400 | 3,234 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6027% | 1,296 |
| Cost of funding earning assets | 0.7021% | 2,011 |
| Net interest margin | 3.9006% | 1,349 |
| Noninterest income to average assets | 0.3829% | 3,167 |
| Noninterest expense to average assets | 3.2252% | 1,030 |
| Loan and lease loss provision to assets | 0.0397% | 3,853 |
| Net operating income to assets | 0.6414% | 3,659 |
| Return on assets (ROA) | 0.6608% | 3,698 |
| Pretax return on assets | 0.8188% | 3,597 |
| Return on Equity (ROE) | 6.5396% | 3,360 |
| Retained earnings to average equity (ytd only) | 6.5396% | 1,874 |
| Net charge-offs to loans | 0.0122% | 2,677 |
| Credit loss provision to net charge-offs | 444.4444% | 1,378 |
| Earnings coverage of net charge-offs (x) | 92.7778% | 831 |
| Efficiency ratio | 79.4386% | 906 |
| Assets per employee ($millions) | 3.9236% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 3,672 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 2,613 |
| Noncurrent loans to loans | 0.3362% | 3,076 |
| Net loans and leases to total assets | 69.1538% | 2,087 |
| Net loans and leases to deposits | 77.5395% | 2,583 |
| Net loans and leases to core deposits | 84.4709% | 2,432 |
| Total domestic deposits to total assets | 89.1852% | 693 |
| Equity capital to assets | 9.4998% | 3,686 |
| Core capital (leverage) ratio | 9.7977% | 2,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,361,750 | 3,574 |
| Average earning assets | $125,720,500 | 3,543 |
| Average equity | $13,476,500 | 3,821 |
| Average total loans | $98,637,750 | 3,264 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7171% | 1,369 |
| Cost of funding earning assets | 0.7411% | 2,175 |
| Net interest margin | 3.9760% | 1,388 |
| Noninterest income to average assets | 0.3941% | 3,122 |
| Noninterest expense to average assets | 3.2389% | 1,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7284% | 3,289 |
| Return on assets (ROA) | 0.7108% | 3,469 |
| Pretax return on assets | 0.8808% | 3,366 |
| Return on Equity (ROE) | 6.8802% | 3,176 |
| Retained earnings to average equity (ytd only) | 6.8802% | 1,706 |
| Net charge-offs to loans | -0.0102% | 4,216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2090% | 1,033 |
| Assets per employee ($millions) | 3.7677% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 3,570 |
| Loan loss allowance to noncurrent loans | 283.2386% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 2,638 |
| Noncurrent loans to loans | 0.3536% | 3,133 |
| Net loans and leases to total assets | 70.6933% | 1,926 |
| Net loans and leases to deposits | 79.2942% | 2,513 |
| Net loans and leases to core deposits | 86.4807% | 2,395 |
| Total domestic deposits to total assets | 89.1532% | 688 |
| Equity capital to assets | 9.7593% | 3,416 |
| Core capital (leverage) ratio | 10.2709% | 2,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,425,000 | 3,602 |
| Average earning assets | $121,983,000 | 3,578 |
| Average equity | $13,371,667 | 3,834 |
| Average total loans | $97,712,000 | 3,271 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8822% | 1,237 |
| Cost of funding earning assets | 0.7921% | 2,440 |
| Net interest margin | 4.0901% | 1,153 |
| Noninterest income to average assets | 0.5015% | 2,541 |
| Noninterest expense to average assets | 3.1117% | 1,609 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0022% | 2,165 |
| Return on assets (ROA) | 0.7522% | 3,164 |
| Pretax return on assets | 0.9322% | 3,046 |
| Return on Equity (ROE) | 7.0615% | 2,918 |
| Retained earnings to average equity (ytd only) | 7.0615% | 1,515 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4919% | 2,158 |
| Assets per employee ($millions) | 3.3809% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 3,609 |
| Loan loss allowance to noncurrent loans | 276.6017% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 2,601 |
| Noncurrent loans to loans | 0.3681% | 3,171 |
| Net loans and leases to total assets | 77.1670% | 1,101 |
| Net loans and leases to deposits | 87.3324% | 1,826 |
| Net loans and leases to core deposits | 96.3441% | 1,762 |
| Total domestic deposits to total assets | 88.3600% | 947 |
| Equity capital to assets | 10.6759% | 3,166 |
| Core capital (leverage) ratio | 10.8935% | 2,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,435,000 | 3,643 |
| Average earning assets | $117,160,500 | 3,612 |
| Average equity | $13,255,000 | 3,857 |
| Average total loans | $96,794,500 | 3,265 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1085% | 1,197 |
| Cost of funding earning assets | 0.7460% | 2,939 |
| Net interest margin | 4.3625% | 962 |
| Noninterest income to average assets | 0.9661% | 1,043 |
| Noninterest expense to average assets | 3.8175% | 655 |
| Loan and lease loss provision to assets | 0.0181% | 3,651 |
| Net operating income to assets | 0.9572% | 2,992 |
| Return on assets (ROA) | 1.0138% | 2,890 |
| Pretax return on assets | 1.2686% | 2,617 |
| Return on Equity (ROE) | 9.5997% | 2,478 |
| Retained earnings to average equity (ytd only) | 8.7121% | 784 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8412% | 1,388 |
| Assets per employee ($millions) | 3.1737% | 4,721 |
| Cash dividends to net income (ytd only)* | 9.2457% | 3,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 3,303 |
| Loan loss allowance to noncurrent loans | 269.8370% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.6972% | 1,854 |
| Noncurrent loans to loans | 0.3831% | 3,065 |
| Net loans and leases to total assets | 76.8095% | 1,290 |
| Net loans and leases to deposits | 86.9992% | 1,972 |
| Net loans and leases to core deposits | 96.1012% | 1,890 |
| Total domestic deposits to total assets | 88.2876% | 987 |
| Equity capital to assets | 10.6282% | 3,331 |
| Core capital (leverage) ratio | 10.5559% | 2,902 |
| Tier 1 risk-based capital ratio | 14.7924% | 2,869 |
| Total risk-based capital ratio | 15.9002% | 2,847 |
| Memoranda: | ||
| Average total assets | $121,625,600 | 3,676 |
| Average earning assets | $113,399,200 | 3,658 |
| Average equity | $12,844,200 | 3,898 |
| Average total loans | $94,598,200 | 3,302 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0876% | 1,312 |
| Cost of funding earning assets | 0.7082% | 3,172 |
| Net interest margin | 4.3794% | 991 |
| Noninterest income to average assets | 1.1606% | 679 |
| Noninterest expense to average assets | 3.8307% | 632 |
| Loan and lease loss provision to assets | 0.0242% | 3,411 |
| Net operating income to assets | 1.0982% | 2,575 |
| Return on assets (ROA) | 1.1529% | 2,444 |
| Pretax return on assets | 1.4457% | 2,135 |
| Return on Equity (ROE) | 10.9346% | 2,041 |
| Retained earnings to average equity (ytd only) | 10.8301% | 561 |
| Net charge-offs to loans | 0.0085% | 3,063 |
| Credit loss provision to net charge-offs | 366.6667% | 822 |
| Earnings coverage of net charge-offs (x) | 212.1613% | 426 |
| Efficiency ratio | 73.2113% | 1,670 |
| Assets per employee ($millions) | 3.0303% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.9549% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 3,241 |
| Loan loss allowance to noncurrent loans | 214.3478% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.7767% | 1,772 |
| Noncurrent loans to loans | 0.4931% | 2,816 |
| Net loans and leases to total assets | 74.2835% | 1,761 |
| Net loans and leases to deposits | 84.4407% | 2,397 |
| Net loans and leases to core deposits | 93.2723% | 2,241 |
| Total domestic deposits to total assets | 87.9712% | 1,047 |
| Equity capital to assets | 10.7330% | 3,351 |
| Core capital (leverage) ratio | 10.6979% | 2,934 |
| Tier 1 risk-based capital ratio | 15.1658% | 2,773 |
| Total risk-based capital ratio | 16.5009% | 2,672 |
| Memoranda: | ||
| Average total assets | $121,088,250 | 3,722 |
| Average earning assets | $112,585,500 | 3,703 |
| Average equity | $12,766,500 | 3,948 |
| Average total loans | $94,231,750 | 3,350 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0779% | 1,277 |
| Cost of funding earning assets | 0.6684% | 3,323 |
| Net interest margin | 4.4095% | 926 |
| Noninterest income to average assets | 1.0630% | 761 |
| Noninterest expense to average assets | 3.8072% | 657 |
| Loan and lease loss provision to assets | 0.0367% | 3,081 |
| Net operating income to assets | 1.0433% | 2,755 |
| Return on assets (ROA) | 1.1247% | 2,500 |
| Pretax return on assets | 1.4096% | 2,173 |
| Return on Equity (ROE) | 10.7339% | 2,081 |
| Retained earnings to average equity (ytd only) | 10.6226% | 616 |
| Net charge-offs to loans | 0.0127% | 2,682 |
| Credit loss provision to net charge-offs | 366.6667% | 776 |
| Earnings coverage of net charge-offs (x) | 134.5000% | 545 |
| Efficiency ratio | 73.9004% | 1,660 |
| Assets per employee ($millions) | 2.9962% | 4,913 |
| Cash dividends to net income (ytd only)* | 1.0370% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 3,485 |
| Loan loss allowance to noncurrent loans | 209.7872% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 1.0013% | 1,392 |
| Noncurrent loans to loans | 0.4880% | 2,817 |
| Net loans and leases to total assets | 77.5952% | 1,293 |
| Net loans and leases to deposits | 87.8211% | 2,026 |
| Net loans and leases to core deposits | 96.8946% | 1,990 |
| Total domestic deposits to total assets | 88.3560% | 940 |
| Equity capital to assets | 10.5475% | 3,478 |
| Core capital (leverage) ratio | 10.5754% | 3,007 |
| Tier 1 risk-based capital ratio | 14.5393% | 3,050 |
| Total risk-based capital ratio | 15.8562% | 2,938 |
| Memoranda: | ||
| Average total assets | $120,036,670 | 3,758 |
| Average earning assets | $111,305,670 | 3,751 |
| Average equity | $12,577,000 | 3,975 |
| Average total loans | $94,549,670 | 3,363 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9838% | 1,369 |
| Cost of funding earning assets | 0.6135% | 3,496 |
| Net interest margin | 4.3704% | 966 |
| Noninterest income to average assets | 1.2947% | 505 |
| Noninterest expense to average assets | 3.9854% | 551 |
| Loan and lease loss provision to assets | 0.0742% | 2,191 |
| Net operating income to assets | 1.0324% | 2,735 |
| Return on assets (ROA) | 1.1565% | 2,291 |
| Pretax return on assets | 1.4498% | 1,921 |
| Return on Equity (ROE) | 11.0761% | 1,919 |
| Retained earnings to average equity (ytd only) | 10.9793% | 807 |
| Net charge-offs to loans | 0.0085% | 2,385 |
| Credit loss provision to net charge-offs | 1,100.0000% | 342 |
| Earnings coverage of net charge-offs (x) | 203.0000% | 385 |
| Efficiency ratio | 74.4332% | 1,691 |
| Assets per employee ($millions) | 3.0036% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.8746% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 3,346 |
| Loan loss allowance to noncurrent loans | 206.0291% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 1.0329% | 1,350 |
| Noncurrent loans to loans | 0.5154% | 2,766 |
| Net loans and leases to total assets | 76.8542% | 1,335 |
| Net loans and leases to deposits | 86.7655% | 2,030 |
| Net loans and leases to core deposits | 96.1903% | 1,915 |
| Total domestic deposits to total assets | 88.5769% | 1,047 |
| Equity capital to assets | 10.4717% | 3,369 |
| Core capital (leverage) ratio | 10.5291% | 3,020 |
| Tier 1 risk-based capital ratio | 14.0666% | 3,306 |
| Total risk-based capital ratio | 15.3786% | 3,202 |
| Memoranda: | ||
| Average total assets | $118,633,000 | 3,827 |
| Average earning assets | $110,196,000 | 3,810 |
| Average equity | $12,387,000 | 4,019 |
| Average total loans | $93,671,000 | 3,416 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7487% | 1,681 |
| Cost of funding earning assets | 0.3245% | 4,438 |
| Net interest margin | 4.4243% | 887 |
| Noninterest income to average assets | 0.5966% | 2,312 |
| Noninterest expense to average assets | 3.6169% | 850 |
| Loan and lease loss provision to assets | 0.0757% | 2,610 |
| Net operating income to assets | 0.8003% | 3,806 |
| Return on assets (ROA) | 0.8138% | 3,754 |
| Pretax return on assets | 1.0174% | 3,547 |
| Return on Equity (ROE) | 8.2705% | 3,331 |
| Retained earnings to average equity (ytd only) | 7.9369% | 1,265 |
| Net charge-offs to loans | 0.2048% | 934 |
| Credit loss provision to net charge-offs | 49.7238% | 3,197 |
| Earnings coverage of net charge-offs (x) | 7.0663% | 3,018 |
| Efficiency ratio | 77.0665% | 1,226 |
| Assets per employee ($millions) | 3.0032% | 4,992 |
| Cash dividends to net income (ytd only)* | 4.0331% | 3,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 3,492 |
| Loan loss allowance to noncurrent loans | 157.9805% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 1.2961% | 987 |
| Noncurrent loans to loans | 0.6531% | 2,366 |
| Net loans and leases to total assets | 79.4430% | 1,030 |
| Net loans and leases to deposits | 94.0391% | 1,276 |
| Net loans and leases to core deposits | 105.1284% | 1,334 |
| Total domestic deposits to total assets | 84.4787% | 2,844 |
| Equity capital to assets | 10.4104% | 3,272 |
| Core capital (leverage) ratio | 10.3258% | 3,225 |
| Tier 1 risk-based capital ratio | 13.8244% | 3,371 |
| Total risk-based capital ratio | 15.1280% | 3,274 |
| Memoranda: | ||
| Average total assets | $118,830,400 | 3,808 |
| Average earning assets | $110,029,600 | 3,803 |
| Average equity | $11,692,200 | 4,062 |
| Average total loans | $88,381,600 | 3,506 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 1,773 |
| Cost of funding earning assets | 0.2864% | 4,605 |
| Net interest margin | 4.3808% | 939 |
| Noninterest income to average assets | 0.6820% | 1,921 |
| Noninterest expense to average assets | 3.6928% | 765 |
| Loan and lease loss provision to assets | 0.1006% | 1,985 |
| Net operating income to assets | 0.7571% | 4,054 |
| Return on assets (ROA) | 0.7669% | 4,030 |
| Pretax return on assets | 0.9537% | 3,868 |
| Return on Equity (ROE) | 7.9073% | 3,583 |
| Retained earnings to average equity (ytd only) | 7.7921% | 1,750 |
| Net charge-offs to loans | 0.0169% | 2,831 |
| Credit loss provision to net charge-offs | 818.1818% | 479 |
| Earnings coverage of net charge-offs (x) | 84.7062% | 851 |
| Efficiency ratio | 77.9929% | 1,124 |
| Assets per employee ($millions) | 3.0359% | 5,015 |
| Cash dividends to net income (ytd only)* | 1.4574% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 2,251 |
| Loan loss allowance to noncurrent loans | 122.5564% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 1.4839% | 866 |
| Noncurrent loans to loans | 1.0375% | 1,647 |
| Net loans and leases to total assets | 74.8231% | 1,851 |
| Net loans and leases to deposits | 84.2931% | 2,568 |
| Net loans and leases to core deposits | 87.5796% | 2,869 |
| Total domestic deposits to total assets | 88.7654% | 927 |
| Equity capital to assets | 10.0801% | 3,560 |
| Core capital (leverage) ratio | 9.8638% | 3,783 |
| Tier 1 risk-based capital ratio | 14.0233% | 3,361 |
| Total risk-based capital ratio | 15.4801% | 3,169 |
| Memoranda: | ||
| Average total assets | $119,257,250 | 3,839 |
| Average earning assets | $110,328,000 | 3,837 |
| Average equity | $11,567,000 | 4,117 |
| Average total loans | $86,973,000 | 3,563 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5529% | 1,929 |
| Cost of funding earning assets | 0.2790% | 4,569 |
| Net interest margin | 4.2738% | 1,097 |
| Noninterest income to average assets | 0.8298% | 1,387 |
| Noninterest expense to average assets | 3.7309% | 726 |
| Loan and lease loss provision to assets | 0.1004% | 1,941 |
| Net operating income to assets | 0.7599% | 3,994 |
| Return on assets (ROA) | 0.7746% | 3,943 |
| Pretax return on assets | 0.9637% | 3,763 |
| Return on Equity (ROE) | 8.0913% | 3,463 |
| Retained earnings to average equity (ytd only) | 7.9690% | 1,648 |
| Net charge-offs to loans | 0.0139% | 2,673 |
| Credit loss provision to net charge-offs | 1,000.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 104.1667% | 679 |
| Efficiency ratio | 78.1086% | 1,189 |
| Assets per employee ($millions) | 3.1374% | 4,984 |
| Cash dividends to net income (ytd only)* | 1.5119% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 2,406 |
| Loan loss allowance to noncurrent loans | 125.5343% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 2.0203% | 531 |
| Noncurrent loans to loans | 0.9994% | 1,749 |
| Net loans and leases to total assets | 71.7902% | 2,308 |
| Net loans and leases to deposits | 80.2619% | 2,920 |
| Net loans and leases to core deposits | 82.6008% | 3,196 |
| Total domestic deposits to total assets | 89.4449% | 762 |
| Equity capital to assets | 9.5556% | 4,046 |
| Core capital (leverage) ratio | 9.3750% | 4,274 |
| Tier 1 risk-based capital ratio | 13.5407% | 3,593 |
| Total risk-based capital ratio | 14.9934% | 3,393 |
| Memoranda: | ||
| Average total assets | $119,542,330 | 3,870 |
| Average earning assets | $110,392,330 | 3,865 |
| Average equity | $11,444,330 | 4,169 |
| Average total loans | $86,053,000 | 3,604 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4654% | 1,974 |
| Cost of funding earning assets | 0.2685% | 4,593 |
| Net interest margin | 4.1969% | 1,183 |
| Noninterest income to average assets | 0.4165% | 3,343 |
| Noninterest expense to average assets | 3.7280% | 736 |
| Loan and lease loss provision to assets | 0.1016% | 1,830 |
| Net operating income to assets | 0.3690% | 4,986 |
| Return on assets (ROA) | 0.3995% | 4,929 |
| Pretax return on assets | 0.4876% | 4,890 |
| Return on Equity (ROE) | 4.1694% | 4,721 |
| Retained earnings to average equity (ytd only) | 4.0634% | 3,575 |
| Net charge-offs to loans | 0.0284% | 1,928 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 27.1667% | 1,304 |
| Efficiency ratio | 87.1044% | 580 |
| Assets per employee ($millions) | 2.9948% | 5,156 |
| Cash dividends to net income (ytd only)* | 2.5424% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 2,452 |
| Loan loss allowance to noncurrent loans | 121.3408% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 2.1484% | 499 |
| Noncurrent loans to loans | 1.0398% | 1,759 |
| Net loans and leases to total assets | 69.2152% | 2,600 |
| Net loans and leases to deposits | 76.9812% | 3,114 |
| Net loans and leases to core deposits | 80.7594% | 3,265 |
| Total domestic deposits to total assets | 89.9119% | 697 |
| Equity capital to assets | 9.2493% | 4,319 |
| Core capital (leverage) ratio | 9.3563% | 4,251 |
| Tier 1 risk-based capital ratio | 13.4374% | 3,698 |
| Total risk-based capital ratio | 14.8943% | 3,484 |
| Memoranda: | ||
| Average total assets | $118,134,500 | 3,931 |
| Average earning assets | $108,747,500 | 3,937 |
| Average equity | $11,320,500 | 4,223 |
| Average total loans | $84,601,000 | 3,660 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 2,230 |
| Cost of funding earning assets | 0.2463% | 4,599 |
| Net interest margin | 4.0850% | 1,498 |
| Noninterest income to average assets | 0.5888% | 2,500 |
| Noninterest expense to average assets | 3.8423% | 660 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1746% | 5,157 |
| Return on assets (ROA) | 0.1835% | 5,153 |
| Pretax return on assets | 0.4818% | 4,953 |
| Return on Equity (ROE) | 1.8732% | 5,083 |
| Retained earnings to average equity (ytd only) | 1.5270% | 4,385 |
| Net charge-offs to loans | 0.0383% | 3,030 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 17.9333% | 2,104 |
| Efficiency ratio | 89.1445% | 467 |
| Assets per employee ($millions) | 2.8370% | 5,299 |
| Cash dividends to net income (ytd only)* | 18.4834% | 3,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,332 |
| Loan loss allowance to noncurrent loans | 92.3478% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 3.6640% | 177 |
| Noncurrent loans to loans | 1.3834% | 1,245 |
| Net loans and leases to total assets | 72.3170% | 2,177 |
| Net loans and leases to deposits | 81.1851% | 2,797 |
| Net loans and leases to core deposits | 83.7682% | 3,074 |
| Total domestic deposits to total assets | 89.0766% | 973 |
| Equity capital to assets | 9.9435% | 3,767 |
| Core capital (leverage) ratio | 9.8265% | 3,667 |
| Tier 1 risk-based capital ratio | 13.4430% | 3,661 |
| Total risk-based capital ratio | 14.9021% | 3,455 |
| Memoranda: | ||
| Average total assets | $114,983,800 | 3,978 |
| Average earning assets | $104,748,000 | 4,007 |
| Average equity | $11,264,000 | 4,264 |
| Average total loans | $78,350,800 | 3,783 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2810% | 2,319 |
| Cost of funding earning assets | 0.2471% | 4,590 |
| Net interest margin | 4.0339% | 1,587 |
| Noninterest income to average assets | 0.5894% | 2,541 |
| Noninterest expense to average assets | 3.8534% | 631 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2975% | 5,219 |
| Return on assets (ROA) | 0.3074% | 5,224 |
| Pretax return on assets | 0.4288% | 5,141 |
| Return on Equity (ROE) | 3.1500% | 5,070 |
| Retained earnings to average equity (ytd only) | 3.0315% | 4,103 |
| Net charge-offs to loans | 0.0276% | 2,885 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 22.4402% | 1,862 |
| Efficiency ratio | 90.2789% | 403 |
| Assets per employee ($millions) | 2.7747% | 5,401 |
| Cash dividends to net income (ytd only)* | 3.7585% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 2,032 |
| Loan loss allowance to noncurrent loans | 119.0265% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 3.3008% | 252 |
| Noncurrent loans to loans | 1.1492% | 1,668 |
| Net loans and leases to total assets | 68.2018% | 2,812 |
| Net loans and leases to deposits | 76.8097% | 3,295 |
| Net loans and leases to core deposits | 79.0534% | 3,533 |
| Total domestic deposits to total assets | 88.7932% | 978 |
| Equity capital to assets | 10.0483% | 3,855 |
| Core capital (leverage) ratio | 9.8343% | 3,777 |
| Tier 1 risk-based capital ratio | 14.3622% | 3,259 |
| Total risk-based capital ratio | 15.8358% | 3,056 |
| Memoranda: | ||
| Average total assets | $115,359,500 | 4,011 |
| Average earning assets | $105,206,500 | 4,045 |
| Average equity | $11,259,000 | 4,305 |
| Average total loans | $77,156,500 | 3,838 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1838% | 2,535 |
| Cost of funding earning assets | 0.2477% | 4,558 |
| Net interest margin | 3.9361% | 1,823 |
| Noninterest income to average assets | 0.5988% | 2,464 |
| Noninterest expense to average assets | 3.8398% | 640 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2558% | 5,313 |
| Return on assets (ROA) | 0.2709% | 5,304 |
| Pretax return on assets | 0.3728% | 5,228 |
| Return on Equity (ROE) | 2.8032% | 5,167 |
| Retained earnings to average equity (ytd only) | 2.6782% | 4,097 |
| Net charge-offs to loans | -0.0183% | 4,750 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6015% | 378 |
| Assets per employee ($millions) | 2.9974% | 5,269 |
| Cash dividends to net income (ytd only)* | 4.4586% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 1,805 |
| Loan loss allowance to noncurrent loans | 91.5071% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 3.2481% | 262 |
| Noncurrent loans to loans | 1.5655% | 1,196 |
| Net loans and leases to total assets | 64.6883% | 3,289 |
| Net loans and leases to deposits | 72.4004% | 3,697 |
| Net loans and leases to core deposits | 74.4460% | 3,901 |
| Total domestic deposits to total assets | 89.3481% | 785 |
| Equity capital to assets | 9.6793% | 4,249 |
| Core capital (leverage) ratio | 9.5781% | 4,045 |
| Tier 1 risk-based capital ratio | 14.7074% | 3,060 |
| Total risk-based capital ratio | 16.1885% | 2,889 |
| Memoranda: | ||
| Average total assets | $115,892,330 | 4,028 |
| Average earning assets | $105,788,670 | 4,049 |
| Average equity | $11,201,670 | 4,325 |
| Average total loans | $76,654,330 | 3,866 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1570% | 2,442 |
| Cost of funding earning assets | 0.2468% | 4,565 |
| Net interest margin | 3.9102% | 1,744 |
| Noninterest income to average assets | 0.5997% | 2,417 |
| Noninterest expense to average assets | 3.8201% | 664 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2539% | 5,297 |
| Return on assets (ROA) | 0.2843% | 5,245 |
| Pretax return on assets | 0.3917% | 5,171 |
| Return on Equity (ROE) | 2.9430% | 5,118 |
| Retained earnings to average equity (ytd only) | 2.8354% | 3,995 |
| Net charge-offs to loans | -0.0365% | 5,030 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6043% | 471 |
| Assets per employee ($millions) | 2.9090% | 5,425 |
| Cash dividends to net income (ytd only)* | 3.6585% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 1,993 |
| Loan loss allowance to noncurrent loans | 83.9572% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 3.4367% | 252 |
| Noncurrent loans to loans | 1.6924% | 1,134 |
| Net loans and leases to total assets | 65.5285% | 3,042 |
| Net loans and leases to deposits | 73.2009% | 3,481 |
| Net loans and leases to core deposits | 75.2824% | 3,714 |
| Total domestic deposits to total assets | 89.5187% | 890 |
| Equity capital to assets | 9.6244% | 4,160 |
| Core capital (leverage) ratio | 9.5266% | 4,091 |
| Tier 1 risk-based capital ratio | 14.5229% | 3,185 |
| Total risk-based capital ratio | 16.0026% | 3,015 |
| Memoranda: | ||
| Average total assets | $115,389,000 | 4,075 |
| Average earning assets | $105,365,000 | 4,097 |
| Average equity | $11,145,000 | 4,360 |
| Average total loans | $76,622,000 | 3,893 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2778% | 2,220 |
| Cost of funding earning assets | 0.2472% | 4,593 |
| Net interest margin | 4.0306% | 1,556 |
| Noninterest income to average assets | 0.8305% | 1,647 |
| Noninterest expense to average assets | 3.8688% | 718 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4408% | 4,824 |
| Return on assets (ROA) | 0.4462% | 4,890 |
| Pretax return on assets | 0.6358% | 4,691 |
| Return on Equity (ROE) | 4.4286% | 4,693 |
| Retained earnings to average equity (ytd only) | 2.7358% | 3,956 |
| Net charge-offs to loans | 0.0350% | 3,324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,531 |
| Efficiency ratio | 86.0345% | 816 |
| Assets per employee ($millions) | 2.7907% | 5,494 |
| Cash dividends to net income (ytd only)* | 38.2239% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 1,922 |
| Loan loss allowance to noncurrent loans | 115.3115% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 3.1787% | 295 |
| Noncurrent loans to loans | 1.2478% | 1,644 |
| Net loans and leases to total assets | 65.3778% | 3,161 |
| Net loans and leases to deposits | 73.0629% | 3,610 |
| Net loans and leases to core deposits | 75.1807% | 3,822 |
| Total domestic deposits to total assets | 89.4816% | 871 |
| Equity capital to assets | 9.6934% | 4,081 |
| Core capital (leverage) ratio | 9.4244% | 4,190 |
| Tier 1 risk-based capital ratio | 14.3243% | 3,268 |
| Total risk-based capital ratio | 15.8020% | 3,106 |
| Memoranda: | ||
| Average total assets | $116,081,200 | 4,065 |
| Average earning assets | $105,592,600 | 4,087 |
| Average equity | $11,696,800 | 4,298 |
| Average total loans | $77,121,400 | 3,875 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2952% | 2,178 |
| Cost of funding earning assets | 0.2470% | 4,629 |
| Net interest margin | 4.0483% | 1,532 |
| Noninterest income to average assets | 0.9808% | 1,189 |
| Noninterest expense to average assets | 3.9634% | 616 |
| Loan and lease loss provision to assets | 0.0343% | 3,547 |
| Net operating income to assets | 0.4623% | 4,828 |
| Return on assets (ROA) | 0.4647% | 4,898 |
| Pretax return on assets | 0.6638% | 4,703 |
| Return on Equity (ROE) | 4.5688% | 4,689 |
| Retained earnings to average equity (ytd only) | 2.6558% | 4,324 |
| Net charge-offs to loans | 0.0465% | 2,714 |
| Credit loss provision to net charge-offs | 111.1111% | 2,213 |
| Earnings coverage of net charge-offs (x) | 22.4808% | 1,755 |
| Efficiency ratio | 85.0860% | 898 |
| Assets per employee ($millions) | 2.8357% | 5,521 |
| Cash dividends to net income (ytd only)* | 41.8717% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 1,739 |
| Loan loss allowance to noncurrent loans | 116.0290% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 3.1218% | 355 |
| Noncurrent loans to loans | 1.2993% | 1,715 |
| Net loans and leases to total assets | 61.5493% | 3,684 |
| Net loans and leases to deposits | 68.7797% | 4,087 |
| Net loans and leases to core deposits | 70.9320% | 4,254 |
| Total domestic deposits to total assets | 89.4876% | 675 |
| Equity capital to assets | 9.3570% | 4,810 |
| Core capital (leverage) ratio | 9.3083% | 4,450 |
| Tier 1 risk-based capital ratio | 14.3025% | 3,394 |
| Total risk-based capital ratio | 15.7823% | 3,208 |
| Memoranda: | ||
| Average total assets | $116,497,000 | 4,079 |
| Average earning assets | $105,819,750 | 4,105 |
| Average equity | $11,848,250 | 4,308 |
| Average total loans | $77,427,750 | 3,892 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2962% | 2,170 |
| Cost of funding earning assets | 0.2423% | 4,732 |
| Net interest margin | 4.0540% | 1,498 |
| Noninterest income to average assets | 0.9911% | 1,134 |
| Noninterest expense to average assets | 4.0301% | 569 |
| Loan and lease loss provision to assets | 0.0519% | 3,108 |
| Net operating income to assets | 0.4339% | 4,927 |
| Return on assets (ROA) | 0.4376% | 4,999 |
| Pretax return on assets | 0.6192% | 4,839 |
| Return on Equity (ROE) | 4.1877% | 4,838 |
| Retained earnings to average equity (ytd only) | 1.4235% | 4,808 |
| Net charge-offs to loans | 0.0714% | 2,165 |
| Credit loss provision to net charge-offs | 107.1429% | 1,999 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 2,103 |
| Efficiency ratio | 85.8195% | 900 |
| Assets per employee ($millions) | 3.0247% | 5,397 |
| Cash dividends to net income (ytd only)* | 66.0079% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 2,015 |
| Loan loss allowance to noncurrent loans | 114.1548% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 3.1646% | 374 |
| Noncurrent loans to loans | 1.2804% | 1,776 |
| Net loans and leases to total assets | 64.0633% | 3,351 |
| Net loans and leases to deposits | 71.4329% | 3,839 |
| Net loans and leases to core deposits | 73.2284% | 4,055 |
| Total domestic deposits to total assets | 89.6832% | 595 |
| Equity capital to assets | 9.3182% | 4,958 |
| Core capital (leverage) ratio | 9.1212% | 4,688 |
| Tier 1 risk-based capital ratio | 13.8306% | 3,704 |
| Total risk-based capital ratio | 15.3059% | 3,491 |
| Memoranda: | ||
| Average total assets | $115,630,000 | 4,127 |
| Average earning assets | $105,674,670 | 4,138 |
| Average equity | $12,083,000 | 4,302 |
| Average total loans | $78,428,330 | 3,888 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 1,948 |
| Cost of funding earning assets | 0.2407% | 4,796 |
| Net interest margin | 4.1149% | 1,297 |
| Noninterest income to average assets | 0.4997% | 3,112 |
| Noninterest expense to average assets | 3.9524% | 641 |
| Loan and lease loss provision to assets | 0.1048% | 1,952 |
| Net operating income to assets | 0.1630% | 5,594 |
| Return on assets (ROA) | 0.1712% | 5,640 |
| Pretax return on assets | 0.2167% | 5,620 |
| Return on Equity (ROE) | 1.5520% | 5,604 |
| Retained earnings to average equity (ytd only) | -0.3484% | 5,174 |
| Net charge-offs to loans | 0.1463% | 1,235 |
| Credit loss provision to net charge-offs | 103.4483% | 1,578 |
| Earnings coverage of net charge-offs (x) | 3.0690% | 2,591 |
| Efficiency ratio | 92.7049% | 510 |
| Assets per employee ($millions) | 2.8890% | 5,605 |
| Cash dividends to net income (ytd only)* | 122.4490% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 2,377 |
| Loan loss allowance to noncurrent loans | 112.4498% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 3.2684% | 367 |
| Noncurrent loans to loans | 1.2535% | 1,928 |
| Net loans and leases to total assets | 67.7893% | 2,676 |
| Net loans and leases to deposits | 76.9264% | 3,115 |
| Net loans and leases to core deposits | 79.0806% | 3,403 |
| Total domestic deposits to total assets | 88.1223% | 1,578 |
| Equity capital to assets | 10.9371% | 3,010 |
| Core capital (leverage) ratio | 10.9038% | 2,501 |
| Tier 1 risk-based capital ratio | 15.9208% | 2,720 |
| Total risk-based capital ratio | 17.3947% | 2,564 |
| Memoranda: | ||
| Average total assets | $114,463,500 | 4,173 |
| Average earning assets | $104,692,500 | 4,195 |
| Average equity | $12,628,500 | 4,220 |
| Average total loans | $79,296,500 | 3,878 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4247% | 1,818 |
| Cost of funding earning assets | 0.2460% | 4,822 |
| Net interest margin | 4.1787% | 1,212 |
| Noninterest income to average assets | 1.5456% | 529 |
| Noninterest expense to average assets | 4.2965% | 490 |
| Loan and lease loss provision to assets | 0.1320% | 1,811 |
| Net operating income to assets | 0.6447% | 4,061 |
| Return on assets (ROA) | 0.7266% | 3,783 |
| Pretax return on assets | 1.0636% | 3,214 |
| Return on Equity (ROE) | 6.6851% | 3,691 |
| Retained earnings to average equity (ytd only) | 4.4028% | 2,845 |
| Net charge-offs to loans | 0.3414% | 868 |
| Credit loss provision to net charge-offs | 55.9701% | 3,315 |
| Earnings coverage of net charge-offs (x) | 4.5597% | 3,526 |
| Efficiency ratio | 79.9869% | 1,682 |
| Assets per employee ($millions) | 2.6992% | 5,766 |
| Cash dividends to net income (ytd only)* | 34.1404% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 2,356 |
| Loan loss allowance to noncurrent loans | 104.1899% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 3.3740% | 359 |
| Noncurrent loans to loans | 1.3572% | 1,728 |
| Net loans and leases to total assets | 68.8178% | 2,571 |
| Net loans and leases to deposits | 78.2476% | 3,029 |
| Net loans and leases to core deposits | 80.4869% | 3,295 |
| Total domestic deposits to total assets | 87.9488% | 1,653 |
| Equity capital to assets | 11.1303% | 2,697 |
| Core capital (leverage) ratio | 10.6266% | 2,802 |
| Tier 1 risk-based capital ratio | 15.9877% | 2,690 |
| Total risk-based capital ratio | 17.4627% | 2,558 |
| Memoranda: | ||
| Average total assets | $113,674,200 | 4,184 |
| Average earning assets | $104,075,800 | 4,187 |
| Average equity | $12,355,800 | 4,233 |
| Average total loans | $78,509,200 | 3,876 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4119% | 1,889 |
| Cost of funding earning assets | 0.2457% | 4,928 |
| Net interest margin | 4.1662% | 1,240 |
| Noninterest income to average assets | 1.3186% | 700 |
| Noninterest expense to average assets | 4.1716% | 548 |
| Loan and lease loss provision to assets | 0.1582% | 1,359 |
| Net operating income to assets | 0.5515% | 4,582 |
| Return on assets (ROA) | 0.6494% | 4,248 |
| Pretax return on assets | 0.9471% | 3,824 |
| Return on Equity (ROE) | 6.0100% | 4,146 |
| Retained earnings to average equity (ytd only) | 4.0139% | 3,608 |
| Net charge-offs to loans | -0.0119% | 5,050 |
| Credit loss provision to net charge-offs | -1,928.5714% | 5,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2372% | 1,495 |
| Assets per employee ($millions) | 2.9486% | 5,602 |
| Cash dividends to net income (ytd only)* | 33.2133% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7682% | 1,323 |
| Loan loss allowance to noncurrent loans | 52.6135% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 3.7680% | 324 |
| Noncurrent loans to loans | 3.3608% | 482 |
| Net loans and leases to total assets | 66.6191% | 2,917 |
| Net loans and leases to deposits | 75.8067% | 3,324 |
| Net loans and leases to core deposits | 77.9463% | 3,612 |
| Total domestic deposits to total assets | 87.8802% | 1,626 |
| Equity capital to assets | 10.8475% | 3,196 |
| Core capital (leverage) ratio | 10.6232% | 2,901 |
| Tier 1 risk-based capital ratio | 16.0620% | 2,766 |
| Total risk-based capital ratio | 17.5438% | 2,624 |
| Memoranda: | ||
| Average total assets | $113,751,250 | 4,228 |
| Average earning assets | $104,200,250 | 4,237 |
| Average equity | $12,290,250 | 4,301 |
| Average total loans | $78,352,750 | 3,913 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4642% | 1,643 |
| Cost of funding earning assets | 0.2449% | 4,996 |
| Net interest margin | 4.2193% | 1,071 |
| Noninterest income to average assets | 1.5088% | 565 |
| Noninterest expense to average assets | 4.2740% | 507 |
| Loan and lease loss provision to assets | 0.1588% | 1,339 |
| Net operating income to assets | 0.6432% | 4,153 |
| Return on assets (ROA) | 0.7906% | 3,530 |
| Pretax return on assets | 1.1506% | 2,970 |
| Return on Equity (ROE) | 7.3268% | 3,424 |
| Retained earnings to average equity (ytd only) | 5.3643% | 2,630 |
| Net charge-offs to loans | -0.0178% | 5,137 |
| Credit loss provision to net charge-offs | -1,285.7143% | 5,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5925% | 1,814 |
| Assets per employee ($millions) | 2.7807% | 5,828 |
| Cash dividends to net income (ytd only)* | 26.7857% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7496% | 1,494 |
| Loan loss allowance to noncurrent loans | 114.5064% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 2.6313% | 693 |
| Noncurrent loans to loans | 1.5280% | 1,735 |
| Net loans and leases to total assets | 65.7056% | 3,005 |
| Net loans and leases to deposits | 74.7361% | 3,407 |
| Net loans and leases to core deposits | 77.1054% | 3,653 |
| Total domestic deposits to total assets | 87.9168% | 1,692 |
| Equity capital to assets | 10.8990% | 2,993 |
| Core capital (leverage) ratio | 10.6485% | 2,790 |
| Tier 1 risk-based capital ratio | 16.1706% | 2,775 |
| Total risk-based capital ratio | 17.6569% | 2,614 |
| Memoranda: | ||
| Average total assets | $113,337,000 | 4,269 |
| Average earning assets | $103,715,000 | 4,278 |
| Average equity | $12,229,000 | 4,336 |
| Average total loans | $78,474,670 | 3,931 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5326% | 1,372 |
| Cost of funding earning assets | 0.2441% | 5,085 |
| Net interest margin | 4.2886% | 896 |
| Noninterest income to average assets | 0.3575% | 4,339 |
| Noninterest expense to average assets | 4.0425% | 655 |
| Loan and lease loss provision to assets | 0.1593% | 1,275 |
| Net operating income to assets | 0.0531% | 5,951 |
| Return on assets (ROA) | 0.0531% | 5,996 |
| Pretax return on assets | 0.0743% | 5,975 |
| Return on Equity (ROE) | 0.4946% | 5,989 |
| Retained earnings to average equity (ytd only) | -1.3849% | 5,600 |
| Net charge-offs to loans | -0.0251% | 5,154 |
| Credit loss provision to net charge-offs | -900.0000% | 4,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5364% | 570 |
| Assets per employee ($millions) | 2.7229% | 5,951 |
| Cash dividends to net income (ytd only)* | 380.0000% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 2,042 |
| Loan loss allowance to noncurrent loans | 164.3678% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 2.6416% | 786 |
| Noncurrent loans to loans | 0.9750% | 2,819 |
| Net loans and leases to total assets | 69.0979% | 2,268 |
| Net loans and leases to deposits | 78.1589% | 2,782 |
| Net loans and leases to core deposits | 80.4089% | 3,114 |
| Total domestic deposits to total assets | 88.4069% | 1,594 |
| Equity capital to assets | 10.6277% | 3,393 |
| Core capital (leverage) ratio | 10.4989% | 2,963 |
| Tier 1 risk-based capital ratio | 15.7856% | 3,025 |
| Total risk-based capital ratio | 17.2711% | 2,846 |
| Memoranda: | ||
| Average total assets | $113,000,500 | 4,313 |
| Average earning assets | $103,251,500 | 4,320 |
| Average equity | $12,130,500 | 4,393 |
| Average total loans | $79,589,500 | 3,907 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3792% | 2,288 |
| Cost of funding earning assets | 0.2658% | 5,154 |
| Net interest margin | 4.1134% | 1,537 |
| Noninterest income to average assets | 1.4160% | 605 |
| Noninterest expense to average assets | 4.1523% | 631 |
| Loan and lease loss provision to assets | 0.2839% | 741 |
| Net operating income to assets | 0.5004% | 4,807 |
| Return on assets (ROA) | 0.5004% | 4,896 |
| Pretax return on assets | 0.7151% | 4,566 |
| Return on Equity (ROE) | 4.7375% | 4,788 |
| Retained earnings to average equity (ytd only) | 3.2339% | 3,928 |
| Net charge-offs to loans | 0.5269% | 773 |
| Credit loss provision to net charge-offs | 84.6561% | 2,770 |
| Earnings coverage of net charge-offs (x) | 2.9788% | 4,015 |
| Efficiency ratio | 80.6063% | 1,831 |
| Assets per employee ($millions) | 2.6581% | 6,054 |
| Cash dividends to net income (ytd only)* | 31.7376% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5684% | 2,197 |
| Loan loss allowance to noncurrent loans | 155.7935% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 2.8019% | 767 |
| Noncurrent loans to loans | 1.0067% | 2,816 |
| Net loans and leases to total assets | 69.5396% | 2,300 |
| Net loans and leases to deposits | 78.9044% | 2,852 |
| Net loans and leases to core deposits | 81.2352% | 3,175 |
| Total domestic deposits to total assets | 88.1315% | 1,702 |
| Equity capital to assets | 10.8447% | 3,064 |
| Core capital (leverage) ratio | 10.5762% | 2,870 |
| Tier 1 risk-based capital ratio | 15.7747% | 3,082 |
| Total risk-based capital ratio | 17.2594% | 2,901 |
| Memoranda: | ||
| Average total assets | $112,709,000 | 4,326 |
| Average earning assets | $102,348,000 | 4,340 |
| Average equity | $11,905,000 | 4,378 |
| Average total loans | $71,735,000 | 4,130 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2385% | 2,845 |
| Cost of funding earning assets | 0.2693% | 5,209 |
| Net interest margin | 3.9692% | 1,967 |
| Noninterest income to average assets | 1.7525% | 426 |
| Noninterest expense to average assets | 4.1730% | 627 |
| Loan and lease loss provision to assets | 0.3422% | 521 |
| Net operating income to assets | 0.5830% | 4,521 |
| Return on assets (ROA) | 0.5830% | 4,607 |
| Pretax return on assets | 0.8379% | 4,224 |
| Return on Equity (ROE) | 5.5561% | 4,457 |
| Retained earnings to average equity (ytd only) | 4.1840% | 3,674 |
| Net charge-offs to loans | 0.7262% | 473 |
| Credit loss provision to net charge-offs | 76.1155% | 2,668 |
| Earnings coverage of net charge-offs (x) | 2.6247% | 3,866 |
| Efficiency ratio | 77.9541% | 2,184 |
| Assets per employee ($millions) | 2.7487% | 6,029 |
| Cash dividends to net income (ytd only)* | 24.6960% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6206% | 2,231 |
| Loan loss allowance to noncurrent loans | 149.0099% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 3.2495% | 689 |
| Noncurrent loans to loans | 1.0876% | 2,895 |
| Net loans and leases to total assets | 64.8565% | 3,046 |
| Net loans and leases to deposits | 73.5319% | 3,490 |
| Net loans and leases to core deposits | 75.6813% | 3,784 |
| Total domestic deposits to total assets | 88.2018% | 1,656 |
| Equity capital to assets | 10.7192% | 3,270 |
| Core capital (leverage) ratio | 10.4907% | 3,056 |
| Tier 1 risk-based capital ratio | 15.9366% | 3,084 |
| Total risk-based capital ratio | 17.4221% | 2,926 |
| Memoranda: | ||
| Average total assets | $112,976,250 | 4,359 |
| Average earning assets | $102,485,750 | 4,377 |
| Average equity | $11,854,500 | 4,414 |
| Average total loans | $69,951,000 | 4,224 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1357% | 3,203 |
| Cost of funding earning assets | 0.2770% | 5,221 |
| Net interest margin | 3.8587% | 2,341 |
| Noninterest income to average assets | 2.3861% | 262 |
| Noninterest expense to average assets | 4.3230% | 536 |
| Loan and lease loss provision to assets | 0.4599% | 341 |
| Net operating income to assets | 0.7571% | 3,535 |
| Return on assets (ROA) | 0.7571% | 3,635 |
| Pretax return on assets | 1.1020% | 3,093 |
| Return on Equity (ROE) | 7.2670% | 3,485 |
| Retained earnings to average equity (ytd only) | 6.1633% | 2,227 |
| Net charge-offs to loans | 1.1065% | 295 |
| Credit loss provision to net charge-offs | 68.6016% | 2,493 |
| Earnings coverage of net charge-offs (x) | 2.3298% | 3,574 |
| Efficiency ratio | 73.4596% | 3,072 |
| Assets per employee ($millions) | 2.6750% | 6,150 |
| Cash dividends to net income (ytd only)* | 15.1869% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6611% | 2,257 |
| Loan loss allowance to noncurrent loans | 143.9412% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 3.2697% | 743 |
| Noncurrent loans to loans | 1.1540% | 2,923 |
| Net loans and leases to total assets | 60.5258% | 3,631 |
| Net loans and leases to deposits | 68.4451% | 4,001 |
| Net loans and leases to core deposits | 70.3932% | 4,226 |
| Total domestic deposits to total assets | 88.4297% | 1,668 |
| Equity capital to assets | 10.4993% | 3,441 |
| Core capital (leverage) ratio | 10.4844% | 2,968 |
| Tier 1 risk-based capital ratio | 15.9600% | 3,114 |
| Total risk-based capital ratio | 17.4475% | 2,934 |
| Memoranda: | ||
| Average total assets | $113,070,000 | 4,381 |
| Average earning assets | $102,521,000 | 4,402 |
| Average equity | $11,779,330 | 4,440 |
| Average total loans | $68,503,330 | 4,282 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0008% | 3,677 |
| Cost of funding earning assets | 0.2810% | 5,270 |
| Net interest margin | 3.7198% | 2,786 |
| Noninterest income to average assets | 1.5523% | 495 |
| Noninterest expense to average assets | 4.0003% | 759 |
| Loan and lease loss provision to assets | 0.8208% | 143 |
| Net operating income to assets | 0.1106% | 6,006 |
| Return on assets (ROA) | 0.1106% | 6,039 |
| Pretax return on assets | 0.1320% | 6,031 |
| Return on Equity (ROE) | 1.0662% | 6,025 |
| Retained earnings to average equity (ytd only) | -0.0688% | 5,564 |
| Net charge-offs to loans | 2.1201% | 116 |
| Credit loss provision to net charge-offs | 64.4258% | 2,063 |
| Earnings coverage of net charge-offs (x) | 0.7479% | 3,272 |
| Efficiency ratio | 80.7637% | 2,087 |
| Assets per employee ($millions) | 2.6255% | 6,271 |
| Cash dividends to net income (ytd only)* | 106.4516% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7828% | 2,094 |
| Loan loss allowance to noncurrent loans | 75.9922% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 3.7610% | 665 |
| Noncurrent loans to loans | 2.3461% | 1,505 |
| Net loans and leases to total assets | 56.9953% | 4,002 |
| Net loans and leases to deposits | 64.1721% | 4,297 |
| Net loans and leases to core deposits | 66.0257% | 4,485 |
| Total domestic deposits to total assets | 88.8164% | 1,769 |
| Equity capital to assets | 10.3289% | 3,426 |
| Core capital (leverage) ratio | 10.2789% | 3,191 |
| Tier 1 risk-based capital ratio | 16.5677% | 2,863 |
| Total risk-based capital ratio | 18.0729% | 2,727 |
| Memoranda: | ||
| Average total assets | $112,091,500 | 4,444 |
| Average earning assets | $102,479,000 | 4,441 |
| Average equity | $11,630,500 | 4,487 |
| Average total loans | $67,356,500 | 4,343 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7911% | 1,341 |
| Cost of funding earning assets | 0.3067% | 5,546 |
| Net interest margin | 4.4844% | 758 |
| Noninterest income to average assets | 0.3969% | 4,469 |
| Noninterest expense to average assets | 4.0800% | 798 |
| Loan and lease loss provision to assets | 0.1082% | 2,992 |
| Net operating income to assets | 0.2102% | 5,795 |
| Return on assets (ROA) | 0.2102% | 5,859 |
| Pretax return on assets | 0.2715% | 5,799 |
| Return on Equity (ROE) | 2.0024% | 5,841 |
| Retained earnings to average equity (ytd only) | 0.8766% | 5,444 |
| Net charge-offs to loans | -0.1006% | 6,478 |
| Credit loss provision to net charge-offs | -173.9130% | 5,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4846% | 910 |
| Assets per employee ($millions) | 2.4730% | 6,422 |
| Cash dividends to net income (ytd only)* | 56.2232% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8714% | 1,852 |
| Loan loss allowance to noncurrent loans | 48.5382% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 3.8666% | 700 |
| Noncurrent loans to loans | 3.8555% | 772 |
| Net loans and leases to total assets | 61.0176% | 3,535 |
| Net loans and leases to deposits | 68.7287% | 3,948 |
| Net loans and leases to core deposits | 70.7444% | 4,219 |
| Total domestic deposits to total assets | 88.7803% | 1,762 |
| Equity capital to assets | 10.4236% | 3,256 |
| Core capital (leverage) ratio | 10.1514% | 3,365 |
| Tier 1 risk-based capital ratio | 15.7729% | 3,212 |
| Total risk-based capital ratio | 17.2672% | 3,043 |
| Memoranda: | ||
| Average total assets | $110,857,200 | 4,478 |
| Average earning assets | $100,436,400 | 4,502 |
| Average equity | $11,635,800 | 4,524 |
| Average total loans | $68,622,000 | 4,319 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8873% | 1,151 |
| Cost of funding earning assets | 0.3055% | 5,684 |
| Net interest margin | 4.5817% | 639 |
| Noninterest income to average assets | 0.3335% | 5,024 |
| Noninterest expense to average assets | 4.0282% | 831 |
| Loan and lease loss provision to assets | 0.1084% | 2,958 |
| Net operating income to assets | 0.2492% | 5,781 |
| Return on assets (ROA) | 0.2492% | 5,874 |
| Pretax return on assets | 0.3311% | 5,796 |
| Return on Equity (ROE) | 2.3701% | 5,832 |
| Retained earnings to average equity (ytd only) | 1.2480% | 5,482 |
| Net charge-offs to loans | -0.1908% | 6,642 |
| Credit loss provision to net charge-offs | -91.8367% | 5,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1644% | 977 |
| Assets per employee ($millions) | 2.5112% | 6,466 |
| Cash dividends to net income (ytd only)* | 47.3423% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9239% | 1,929 |
| Loan loss allowance to noncurrent loans | 266.8041% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 2.3972% | 1,624 |
| Noncurrent loans to loans | 0.7211% | 4,409 |
| Net loans and leases to total assets | 58.3739% | 3,946 |
| Net loans and leases to deposits | 65.7746% | 4,334 |
| Net loans and leases to core deposits | 67.6741% | 4,554 |
| Total domestic deposits to total assets | 88.7484% | 1,693 |
| Equity capital to assets | 10.2888% | 3,521 |
| Core capital (leverage) ratio | 10.1735% | 3,438 |
| Tier 1 risk-based capital ratio | 16.9795% | 2,713 |
| Total risk-based capital ratio | 18.4947% | 2,576 |
| Memoranda: | ||
| Average total assets | $110,750,000 | 4,521 |
| Average earning assets | $99,930,750 | 4,561 |
| Average equity | $11,644,750 | 4,566 |
| Average total loans | $68,477,750 | 4,359 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1646% | 680 |
| Cost of funding earning assets | 0.3050% | 5,794 |
| Net interest margin | 4.8596% | 397 |
| Noninterest income to average assets | 0.1382% | 6,362 |
| Noninterest expense to average assets | 4.0273% | 837 |
| Loan and lease loss provision to assets | 0.1091% | 2,973 |
| Net operating income to assets | 0.2764% | 5,682 |
| Return on assets (ROA) | 0.2764% | 5,816 |
| Pretax return on assets | 0.3764% | 5,689 |
| Return on Equity (ROE) | 2.6093% | 5,756 |
| Retained earnings to average equity (ytd only) | 1.4935% | 5,271 |
| Net charge-offs to loans | -0.2758% | 6,741 |
| Credit loss provision to net charge-offs | -63.1579% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2425% | 1,107 |
| Assets per employee ($millions) | 2.5991% | 6,402 |
| Cash dividends to net income (ytd only)* | 42.7632% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8658% | 2,211 |
| Loan loss allowance to noncurrent loans | 258.4016% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 2.6924% | 1,551 |
| Noncurrent loans to loans | 0.7221% | 4,482 |
| Net loans and leases to total assets | 59.3436% | 3,771 |
| Net loans and leases to deposits | 66.8275% | 4,169 |
| Net loans and leases to core deposits | 68.0243% | 4,496 |
| Total domestic deposits to total assets | 88.8011% | 1,732 |
| Equity capital to assets | 10.3462% | 3,495 |
| Core capital (leverage) ratio | 10.3217% | 3,076 |
| Tier 1 risk-based capital ratio | 17.0111% | 2,711 |
| Total risk-based capital ratio | 18.5261% | 2,573 |
| Memoranda: | ||
| Average total assets | $109,998,000 | 4,569 |
| Average earning assets | $99,020,670 | 4,623 |
| Average equity | $11,650,670 | 4,600 |
| Average total loans | $68,883,670 | 4,351 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4440% | 2,374 |
| Cost of funding earning assets | 0.3122% | 5,873 |
| Net interest margin | 4.1318% | 1,370 |
| Noninterest income to average assets | 0.4289% | 4,256 |
| Noninterest expense to average assets | 4.0397% | 847 |
| Loan and lease loss provision to assets | 0.1100% | 2,862 |
| Net operating income to assets | -0.0073% | 6,355 |
| Return on assets (ROA) | -0.0073% | 6,427 |
| Pretax return on assets | 0.0147% | 6,385 |
| Return on Equity (ROE) | -0.0684% | 6,428 |
| Retained earnings to average equity (ytd only) | -1.1971% | 5,974 |
| Net charge-offs to loans | -0.0058% | 5,299 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0070% | 682 |
| Assets per employee ($millions) | 2.5597% | 6,526 |
| Cash dividends to net income (ytd only)* | -1,650.0000% | 7,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6200% | 3,318 |
| Loan loss allowance to noncurrent loans | 169.9552% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 3.2526% | 1,340 |
| Noncurrent loans to loans | 0.9532% | 4,232 |
| Net loans and leases to total assets | 62.7345% | 2,934 |
| Net loans and leases to deposits | 70.7922% | 3,354 |
| Net loans and leases to core deposits | 72.0915% | 3,808 |
| Total domestic deposits to total assets | 88.6178% | 1,921 |
| Equity capital to assets | 10.6163% | 3,414 |
| Core capital (leverage) ratio | 10.4424% | 2,853 |
| Tier 1 risk-based capital ratio | 16.2321% | 3,139 |
| Total risk-based capital ratio | 17.7372% | 2,967 |
| Memoranda: | ||
| Average total assets | $109,116,500 | 4,630 |
| Average earning assets | $98,649,500 | 4,664 |
| Average equity | $11,694,500 | 4,631 |
| Average total loans | $69,533,500 | 4,360 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 2,723 |
| Cost of funding earning assets | 0.3952% | 5,949 |
| Net interest margin | 4.2720% | 1,467 |
| Noninterest income to average assets | 0.1034% | 6,491 |
| Noninterest expense to average assets | 3.9244% | 1,075 |
| Loan and lease loss provision to assets | -0.2289% | 6,991 |
| Net operating income to assets | 0.1968% | 5,792 |
| Return on assets (ROA) | 0.1968% | 5,964 |
| Pretax return on assets | 0.2371% | 5,937 |
| Return on Equity (ROE) | 1.8444% | 5,947 |
| Retained earnings to average equity (ytd only) | 0.7206% | 5,508 |
| Net charge-offs to loans | -0.1112% | 6,842 |
| Credit loss provision to net charge-offs | 337.8378% | 721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7905% | 570 |
| Assets per employee ($millions) | 2.5155% | 6,603 |
| Cash dividends to net income (ytd only)* | 60.9302% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6057% | 3,283 |
| Loan loss allowance to noncurrent loans | 406.6176% | 980 |
| Noncurrent assets plus other real estate owned to assets | 3.1433% | 1,488 |
| Noncurrent loans to loans | 0.3949% | 5,509 |
| Net loans and leases to total assets | 62.6574% | 3,138 |
| Net loans and leases to deposits | 70.9022% | 3,575 |
| Net loans and leases to core deposits | 72.2306% | 4,013 |
| Total domestic deposits to total assets | 88.3716% | 1,982 |
| Equity capital to assets | 10.8204% | 3,151 |
| Core capital (leverage) ratio | 10.4516% | 2,826 |
| Tier 1 risk-based capital ratio | 16.5211% | 2,873 |
| Total risk-based capital ratio | 18.0267% | 2,721 |
| Memoranda: | ||
| Average total assets | $109,238,400 | 4,608 |
| Average earning assets | $97,917,200 | 4,638 |
| Average equity | $11,657,000 | 4,643 |
| Average total loans | $66,573,000 | 4,475 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6629% | 2,952 |
| Cost of funding earning assets | 0.4056% | 6,087 |
| Net interest margin | 4.2573% | 1,581 |
| Noninterest income to average assets | 0.0122% | 6,902 |
| Noninterest expense to average assets | 3.9010% | 1,060 |
| Loan and lease loss provision to assets | -0.3044% | 7,118 |
| Net operating income to assets | 0.2009% | 5,912 |
| Return on assets (ROA) | 0.2009% | 6,079 |
| Pretax return on assets | 0.2240% | 6,086 |
| Return on Equity (ROE) | 1.8891% | 6,058 |
| Retained earnings to average equity (ytd only) | 0.7671% | 5,848 |
| Net charge-offs to loans | -0.1859% | 6,976 |
| Credit loss provision to net charge-offs | 271.7391% | 1,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1033% | 475 |
| Assets per employee ($millions) | 2.6496% | 6,551 |
| Cash dividends to net income (ytd only)* | 59.3936% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 3,358 |
| Loan loss allowance to noncurrent loans | 1,195.7447% | 374 |
| Noncurrent assets plus other real estate owned to assets | 2.9285% | 1,790 |
| Noncurrent loans to loans | 0.1374% | 6,255 |
| Net loans and leases to total assets | 60.4624% | 3,679 |
| Net loans and leases to deposits | 68.1940% | 4,154 |
| Net loans and leases to core deposits | 69.4311% | 4,569 |
| Total domestic deposits to total assets | 88.6623% | 1,618 |
| Equity capital to assets | 10.5208% | 3,819 |
| Core capital (leverage) ratio | 10.5194% | 2,893 |
| Tier 1 risk-based capital ratio | 16.3899% | 3,068 |
| Total risk-based capital ratio | 17.8957% | 2,889 |
| Memoranda: | ||
| Average total assets | $109,506,500 | 4,651 |
| Average earning assets | $97,961,750 | 4,691 |
| Average equity | $11,645,250 | 4,683 |
| Average total loans | $65,996,250 | 4,549 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6272% | 3,241 |
| Cost of funding earning assets | 0.4225% | 6,147 |
| Net interest margin | 4.2047% | 1,738 |
| Noninterest income to average assets | 0.3305% | 5,185 |
| Noninterest expense to average assets | 3.8948% | 1,082 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1873% | 5,956 |
| Return on assets (ROA) | 0.1873% | 6,131 |
| Pretax return on assets | 0.2002% | 6,153 |
| Return on Equity (ROE) | 1.7549% | 6,115 |
| Retained earnings to average equity (ytd only) | 0.6366% | 5,807 |
| Net charge-offs to loans | 0.0307% | 4,948 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 10.9000% | 2,012 |
| Efficiency ratio | 95.1121% | 747 |
| Assets per employee ($millions) | 2.5690% | 6,695 |
| Cash dividends to net income (ytd only)* | 63.7255% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9252% | 2,459 |
| Loan loss allowance to noncurrent loans | 1,272.0000% | 344 |
| Noncurrent assets plus other real estate owned to assets | 3.6534% | 1,439 |
| Noncurrent loans to loans | 0.1514% | 6,289 |
| Net loans and leases to total assets | 60.0552% | 3,806 |
| Net loans and leases to deposits | 67.8872% | 4,222 |
| Net loans and leases to core deposits | 69.1610% | 4,647 |
| Total domestic deposits to total assets | 88.4633% | 1,845 |
| Equity capital to assets | 10.8036% | 3,337 |
| Core capital (leverage) ratio | 10.4444% | 2,861 |
| Tier 1 risk-based capital ratio | 16.6521% | 2,830 |
| Total risk-based capital ratio | 18.1642% | 2,666 |
| Memoranda: | ||
| Average total assets | $108,914,000 | 4,691 |
| Average earning assets | $97,509,670 | 4,721 |
| Average equity | $11,624,330 | 4,690 |
| Average total loans | $65,192,000 | 4,599 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 3,451 |
| Cost of funding earning assets | 0.4329% | 6,236 |
| Net interest margin | 4.1782% | 1,824 |
| Noninterest income to average assets | 0.3838% | 4,799 |
| Noninterest expense to average assets | 3.9151% | 1,046 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1937% | 6,005 |
| Return on assets (ROA) | 0.1937% | 6,153 |
| Pretax return on assets | 0.2084% | 6,181 |
| Return on Equity (ROE) | 1.8263% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.6892% | 5,787 |
| Net charge-offs to loans | 0.0124% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 963 |
| Efficiency ratio | 94.9468% | 775 |
| Assets per employee ($millions) | 2.5868% | 6,761 |
| Cash dividends to net income (ytd only)* | 62.2642% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9833% | 2,407 |
| Loan loss allowance to noncurrent loans | 283.8137% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 4.0102% | 1,368 |
| Noncurrent loans to loans | 0.6988% | 5,265 |
| Net loans and leases to total assets | 58.2253% | 3,998 |
| Net loans and leases to deposits | 65.6660% | 4,422 |
| Net loans and leases to core deposits | 67.5494% | 4,726 |
| Total domestic deposits to total assets | 88.6688% | 1,903 |
| Equity capital to assets | 10.6989% | 3,270 |
| Core capital (leverage) ratio | 10.4587% | 2,799 |
| Tier 1 risk-based capital ratio | 17.0604% | 2,660 |
| Total risk-based capital ratio | 18.5788% | 2,510 |
| Memoranda: | ||
| Average total assets | $109,421,500 | 4,721 |
| Average earning assets | $97,936,500 | 4,754 |
| Average equity | $11,608,000 | 4,700 |
| Average total loans | $64,752,500 | 4,628 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8082% | 3,772 |
| Cost of funding earning assets | 0.5780% | 6,199 |
| Net interest margin | 4.2301% | 1,963 |
| Noninterest income to average assets | 0.3632% | 4,907 |
| Noninterest expense to average assets | 3.7715% | 1,399 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2926% | 5,282 |
| Return on assets (ROA) | 0.2926% | 5,437 |
| Pretax return on assets | 0.3632% | 5,396 |
| Return on Equity (ROE) | 2.8113% | 5,364 |
| Retained earnings to average equity (ytd only) | 1.6711% | 5,014 |
| Net charge-offs to loans | 0.3661% | 3,573 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.6778% | 4,511 |
| Efficiency ratio | 91.2158% | 1,102 |
| Assets per employee ($millions) | 2.6877% | 6,622 |
| Cash dividends to net income (ytd only)* | 40.5573% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9734% | 2,358 |
| Loan loss allowance to noncurrent loans | 365.2422% | 913 |
| Noncurrent assets plus other real estate owned to assets | 3.9049% | 1,471 |
| Noncurrent loans to loans | 0.5403% | 5,635 |
| Net loans and leases to total assets | 57.7907% | 4,411 |
| Net loans and leases to deposits | 64.9661% | 4,880 |
| Net loans and leases to core deposits | 66.7950% | 5,176 |
| Total domestic deposits to total assets | 88.9551% | 1,565 |
| Equity capital to assets | 10.5194% | 3,516 |
| Core capital (leverage) ratio | 10.4187% | 2,827 |
| Tier 1 risk-based capital ratio | 16.8172% | 2,682 |
| Total risk-based capital ratio | 18.3329% | 2,520 |
| Memoranda: | ||
| Average total assets | $110,407,200 | 4,634 |
| Average earning assets | $98,436,400 | 4,673 |
| Average equity | $11,489,400 | 4,662 |
| Average total loans | $65,290,200 | 4,662 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8422% | 3,824 |
| Cost of funding earning assets | 0.6129% | 6,227 |
| Net interest margin | 4.2294% | 1,993 |
| Noninterest income to average assets | 0.3343% | 5,183 |
| Noninterest expense to average assets | 3.7334% | 1,429 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3187% | 5,327 |
| Return on assets (ROA) | 0.3187% | 5,500 |
| Pretax return on assets | 0.3742% | 5,546 |
| Return on Equity (ROE) | 3.0705% | 5,386 |
| Retained earnings to average equity (ytd only) | 1.9307% | 5,172 |
| Net charge-offs to loans | 0.3447% | 3,375 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.8343% | 4,290 |
| Efficiency ratio | 90.8904% | 1,118 |
| Assets per employee ($millions) | 2.4908% | 6,901 |
| Cash dividends to net income (ytd only)* | 37.1204% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0743% | 2,132 |
| Loan loss allowance to noncurrent loans | 348.4536% | 921 |
| Noncurrent assets plus other real estate owned to assets | 3.9638% | 1,542 |
| Noncurrent loans to loans | 0.5953% | 5,685 |
| Net loans and leases to total assets | 58.2391% | 4,467 |
| Net loans and leases to deposits | 65.6538% | 4,952 |
| Net loans and leases to core deposits | 67.0871% | 5,297 |
| Total domestic deposits to total assets | 88.7064% | 1,616 |
| Equity capital to assets | 10.5664% | 3,622 |
| Core capital (leverage) ratio | 10.1692% | 3,222 |
| Tier 1 risk-based capital ratio | 17.0041% | 2,643 |
| Total risk-based capital ratio | 18.5268% | 2,500 |
| Memoranda: | ||
| Average total assets | $110,460,000 | 4,660 |
| Average earning assets | $98,546,750 | 4,704 |
| Average equity | $11,463,750 | 4,702 |
| Average total loans | $65,371,500 | 4,701 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8771% | 3,725 |
| Cost of funding earning assets | 0.6524% | 6,213 |
| Net interest margin | 4.2247% | 1,941 |
| Noninterest income to average assets | 0.4587% | 4,211 |
| Noninterest expense to average assets | 3.8176% | 1,324 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3630% | 5,116 |
| Return on assets (ROA) | 0.3630% | 5,255 |
| Pretax return on assets | 0.4063% | 5,374 |
| Return on Equity (ROE) | 3.5186% | 5,163 |
| Retained earnings to average equity (ytd only) | 2.3807% | 4,776 |
| Net charge-offs to loans | 0.4737% | 2,676 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.4516% | 4,192 |
| Efficiency ratio | 90.3805% | 1,217 |
| Assets per employee ($millions) | 2.5025% | 6,904 |
| Cash dividends to net income (ytd only)* | 32.3383% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0975% | 2,130 |
| Loan loss allowance to noncurrent loans | 153.6558% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 4.4645% | 1,410 |
| Noncurrent loans to loans | 1.3650% | 4,371 |
| Net loans and leases to total assets | 57.9047% | 4,648 |
| Net loans and leases to deposits | 65.2396% | 5,109 |
| Net loans and leases to core deposits | 66.6541% | 5,425 |
| Total domestic deposits to total assets | 88.7569% | 1,693 |
| Equity capital to assets | 10.5266% | 3,471 |
| Core capital (leverage) ratio | 10.1024% | 3,143 |
| Tier 1 risk-based capital ratio | 16.5967% | 2,695 |
| Total risk-based capital ratio | 18.1131% | 2,547 |
| Memoranda: | ||
| Average total assets | $110,749,000 | 4,684 |
| Average earning assets | $98,706,000 | 4,739 |
| Average equity | $11,425,000 | 4,709 |
| Average total loans | $65,436,000 | 4,743 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8599% | 3,775 |
| Cost of funding earning assets | 0.6723% | 6,287 |
| Net interest margin | 4.1876% | 1,936 |
| Noninterest income to average assets | 0.4322% | 4,440 |
| Noninterest expense to average assets | 3.8607% | 1,232 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2665% | 5,554 |
| Return on assets (ROA) | 0.2665% | 5,615 |
| Pretax return on assets | 0.2953% | 5,668 |
| Return on Equity (ROE) | 2.6098% | 5,559 |
| Retained earnings to average equity (ytd only) | 1.4460% | 5,238 |
| Net charge-offs to loans | 0.2744% | 2,970 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.8222% | 3,394 |
| Efficiency ratio | 92.8943% | 1,103 |
| Assets per employee ($millions) | 2.5570% | 6,904 |
| Cash dividends to net income (ytd only)* | 44.5946% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2402% | 1,879 |
| Loan loss allowance to noncurrent loans | 73.5060% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 5.4538% | 1,113 |
| Noncurrent loans to loans | 3.0476% | 2,465 |
| Net loans and leases to total assets | 57.2505% | 4,752 |
| Net loans and leases to deposits | 64.1394% | 5,236 |
| Net loans and leases to core deposits | 65.4926% | 5,564 |
| Total domestic deposits to total assets | 89.2595% | 1,606 |
| Equity capital to assets | 10.0836% | 3,668 |
| Core capital (leverage) ratio | 10.1106% | 3,018 |
| Tier 1 risk-based capital ratio | 15.8693% | 2,966 |
| Total risk-based capital ratio | 17.3754% | 2,817 |
| Memoranda: | ||
| Average total assets | $111,067,500 | 4,710 |
| Average earning assets | $98,768,000 | 4,773 |
| Average equity | $11,342,000 | 4,710 |
| Average total loans | $65,591,000 | 4,785 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0455% | 4,342 |
| Cost of funding earning assets | 0.8819% | 6,233 |
| Net interest margin | 4.1636% | 2,314 |
| Noninterest income to average assets | 0.4630% | 4,420 |
| Noninterest expense to average assets | 4.0343% | 1,114 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1537% | 5,427 |
| Return on assets (ROA) | 0.1537% | 5,588 |
| Pretax return on assets | 0.1333% | 5,636 |
| Return on Equity (ROE) | 1.5132% | 5,554 |
| Retained earnings to average equity (ytd only) | 1.2246% | 4,941 |
| Net charge-offs to loans | 0.2341% | 4,880 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 0.9091% | 5,205 |
| Efficiency ratio | 96.8017% | 933 |
| Assets per employee ($millions) | 2.4915% | 7,023 |
| Cash dividends to net income (ytd only)* | 19.0751% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3295% | 1,647 |
| Loan loss allowance to noncurrent loans | 70.9091% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 5.7714% | 1,048 |
| Noncurrent loans to loans | 3.2851% | 2,308 |
| Net loans and leases to total assets | 58.1732% | 5,002 |
| Net loans and leases to deposits | 65.3479% | 5,476 |
| Net loans and leases to core deposits | 66.4787% | 5,832 |
| Total domestic deposits to total assets | 89.0209% | 1,652 |
| Equity capital to assets | 10.3433% | 3,336 |
| Core capital (leverage) ratio | 10.0529% | 3,026 |
| Tier 1 risk-based capital ratio | 15.6454% | 2,931 |
| Total risk-based capital ratio | 17.1497% | 2,755 |
| Memoranda: | ||
| Average total assets | $112,533,800 | 4,647 |
| Average earning assets | $100,128,800 | 4,724 |
| Average equity | $11,432,600 | 4,753 |
| Average total loans | $70,492,400 | 4,669 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0551% | 4,571 |
| Cost of funding earning assets | 0.9149% | 6,336 |
| Net interest margin | 4.1402% | 2,447 |
| Noninterest income to average assets | 0.4650% | 4,451 |
| Noninterest expense to average assets | 3.9801% | 1,066 |
| Loan and lease loss provision to assets | 0.0706% | 6,354 |
| Net operating income to assets | 0.1330% | 5,681 |
| Return on assets (ROA) | 0.1330% | 5,847 |
| Pretax return on assets | 0.1059% | 5,901 |
| Return on Equity (ROE) | 1.3151% | 5,813 |
| Retained earnings to average equity (ytd only) | 1.3151% | 5,283 |
| Net charge-offs to loans | 0.2637% | 4,370 |
| Credit loss provision to net charge-offs | 42.2535% | 5,988 |
| Earnings coverage of net charge-offs (x) | 1.0564% | 4,999 |
| Efficiency ratio | 95.7519% | 914 |
| Assets per employee ($millions) | 2.3875% | 7,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3954% | 1,480 |
| Loan loss allowance to noncurrent loans | 56.8391% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 6.5139% | 871 |
| Noncurrent loans to loans | 4.2144% | 1,731 |
| Net loans and leases to total assets | 59.5096% | 5,002 |
| Net loans and leases to deposits | 67.1637% | 5,526 |
| Net loans and leases to core deposits | 68.3293% | 5,905 |
| Total domestic deposits to total assets | 88.6038% | 1,621 |
| Equity capital to assets | 10.5075% | 3,507 |
| Core capital (leverage) ratio | 10.0887% | 3,164 |
| Tier 1 risk-based capital ratio | 15.5450% | 2,973 |
| Total risk-based capital ratio | 17.0489% | 2,809 |
| Memoranda: | ||
| Average total assets | $113,260,750 | 4,690 |
| Average earning assets | $100,991,250 | 4,760 |
| Average equity | $11,456,000 | 4,822 |
| Average total loans | $71,792,000 | 4,687 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0615% | 4,653 |
| Cost of funding earning assets | 0.9402% | 6,425 |
| Net interest margin | 4.1213% | 2,463 |
| Noninterest income to average assets | 0.5384% | 3,805 |
| Noninterest expense to average assets | 3.9474% | 1,103 |
| Loan and lease loss provision to assets | 0.1049% | 5,867 |
| Net operating income to assets | 0.1836% | 5,622 |
| Return on assets (ROA) | 0.1836% | 5,741 |
| Pretax return on assets | 0.1643% | 5,855 |
| Return on Equity (ROE) | 1.8376% | 5,681 |
| Retained earnings to average equity (ytd only) | 1.8376% | 4,950 |
| Net charge-offs to loans | 0.1308% | 4,899 |
| Credit loss provision to net charge-offs | 125.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | 3.2083% | 3,407 |
| Efficiency ratio | 93.6153% | 1,085 |
| Assets per employee ($millions) | 2.4273% | 7,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4121% | 1,418 |
| Loan loss allowance to noncurrent loans | 57.9324% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 6.5728% | 845 |
| Noncurrent loans to loans | 4.1636% | 1,791 |
| Net loans and leases to total assets | 61.5250% | 4,772 |
| Net loans and leases to deposits | 69.1701% | 5,394 |
| Net loans and leases to core deposits | 70.3430% | 5,840 |
| Total domestic deposits to total assets | 88.9474% | 1,470 |
| Equity capital to assets | 10.2546% | 3,699 |
| Core capital (leverage) ratio | 9.8452% | 3,347 |
| Tier 1 risk-based capital ratio | 14.8172% | 3,256 |
| Total risk-based capital ratio | 16.3106% | 3,090 |
| Memoranda: | ||
| Average total assets | $114,405,670 | 4,690 |
| Average earning assets | $102,104,670 | 4,745 |
| Average equity | $11,428,000 | 4,822 |
| Average total loans | $73,402,330 | 4,663 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0304% | 4,878 |
| Cost of funding earning assets | 0.9829% | 6,449 |
| Net interest margin | 4.0475% | 2,660 |
| Noninterest income to average assets | 0.4491% | 4,475 |
| Noninterest expense to average assets | 3.9040% | 1,160 |
| Loan and lease loss provision to assets | 0.1036% | 5,588 |
| Net operating income to assets | 0.0898% | 6,052 |
| Return on assets (ROA) | 0.0898% | 6,150 |
| Pretax return on assets | 0.0553% | 6,242 |
| Return on Equity (ROE) | 0.9109% | 6,140 |
| Retained earnings to average equity (ytd only) | 0.9109% | 5,450 |
| Net charge-offs to loans | 0.1388% | 4,106 |
| Credit loss provision to net charge-offs | 115.3846% | 3,014 |
| Earnings coverage of net charge-offs (x) | 1.7692% | 3,673 |
| Efficiency ratio | 96.0884% | 1,016 |
| Assets per employee ($millions) | 2.5172% | 7,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2968% | 1,581 |
| Loan loss allowance to noncurrent loans | 50.6140% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 6.9910% | 772 |
| Noncurrent loans to loans | 4.5378% | 1,644 |
| Net loans and leases to total assets | 63.4668% | 4,435 |
| Net loans and leases to deposits | 71.1950% | 5,165 |
| Net loans and leases to core deposits | 72.3820% | 5,666 |
| Total domestic deposits to total assets | 89.1450% | 1,444 |
| Equity capital to assets | 10.0110% | 3,857 |
| Core capital (leverage) ratio | 9.7076% | 3,511 |
| Tier 1 risk-based capital ratio | 14.1524% | 3,567 |
| Total risk-based capital ratio | 15.6359% | 3,408 |
| Memoranda: | ||
| Average total assets | $115,780,000 | 4,726 |
| Average earning assets | $103,371,500 | 4,770 |
| Average equity | $11,417,000 | 4,865 |
| Average total loans | $74,906,000 | 4,681 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0673% | 6,205 |
| Cost of funding earning assets | 1.5266% | 5,394 |
| Net interest margin | 3.5407% | 4,775 |
| Noninterest income to average assets | 0.4312% | 4,947 |
| Noninterest expense to average assets | 3.6610% | 2,001 |
| Loan and lease loss provision to assets | 0.9636% | 2,346 |
| Net operating income to assets | -0.5610% | 6,236 |
| Return on assets (ROA) | -0.5477% | 6,222 |
| Pretax return on assets | -0.9468% | 6,376 |
| Return on Equity (ROE) | -6.0524% | 6,308 |
| Retained earnings to average equity (ytd only) | -6.2920% | 6,177 |
| Net charge-offs to loans | 1.2252% | 2,013 |
| Credit loss provision to net charge-offs | 126.0504% | 4,138 |
| Earnings coverage of net charge-offs (x) | -0.0053% | 6,206 |
| Efficiency ratio | 100.1098% | 1,097 |
| Assets per employee ($millions) | 2.4643% | 7,261 |
| Cash dividends to net income (ytd only)* | -3.9589% | 7,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2117% | 1,629 |
| Loan loss allowance to noncurrent loans | 44.1246% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 6.7295% | 774 |
| Noncurrent loans to loans | 5.0125% | 1,352 |
| Net loans and leases to total assets | 63.0207% | 4,800 |
| Net loans and leases to deposits | 70.3909% | 5,556 |
| Net loans and leases to core deposits | 83.2810% | 5,790 |
| Total domestic deposits to total assets | 89.5295% | 1,197 |
| Equity capital to assets | 9.7172% | 4,126 |
| Core capital (leverage) ratio | 9.2092% | 4,103 |
| Tier 1 risk-based capital ratio | 13.6287% | 3,736 |
| Total risk-based capital ratio | 15.1040% | 3,542 |
| Memoranda: | ||
| Average total assets | $124,528,200 | 4,458 |
| Average earning assets | $113,453,000 | 4,461 |
| Average equity | $11,268,200 | 4,955 |
| Average total loans | $77,704,000 | 4,597 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0420% | 6,471 |
| Cost of funding earning assets | 1.6348% | 5,232 |
| Net interest margin | 3.4072% | 5,234 |
| Noninterest income to average assets | 0.4706% | 4,749 |
| Noninterest expense to average assets | 3.5159% | 2,239 |
| Loan and lease loss provision to assets | 0.8089% | 2,345 |
| Net operating income to assets | -0.4173% | 6,340 |
| Return on assets (ROA) | -0.3997% | 6,320 |
| Pretax return on assets | -0.7127% | 6,493 |
| Return on Equity (ROE) | -4.4952% | 6,397 |
| Retained earnings to average equity (ytd only) | -4.8163% | 6,232 |
| Net charge-offs to loans | 0.9939% | 1,984 |
| Credit loss provision to net charge-offs | 131.4433% | 3,805 |
| Earnings coverage of net charge-offs (x) | 0.1117% | 5,924 |
| Efficiency ratio | 98.0826% | 1,160 |
| Assets per employee ($millions) | 2.5223% | 7,196 |
| Cash dividends to net income (ytd only)* | -7.1430% | 7,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0793% | 1,633 |
| Loan loss allowance to noncurrent loans | 39.5849% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 6.0353% | 888 |
| Noncurrent loans to loans | 5.2528% | 1,220 |
| Net loans and leases to total assets | 63.0523% | 5,056 |
| Net loans and leases to deposits | 70.4550% | 5,855 |
| Net loans and leases to core deposits | 85.8463% | 5,879 |
| Total domestic deposits to total assets | 89.4929% | 966 |
| Equity capital to assets | 9.6803% | 4,522 |
| Core capital (leverage) ratio | 9.1680% | 4,384 |
| Tier 1 risk-based capital ratio | 13.8491% | 3,630 |
| Total risk-based capital ratio | 15.3210% | 3,452 |
| Memoranda: | ||
| Average total assets | $126,089,000 | 4,447 |
| Average earning assets | $115,243,500 | 4,446 |
| Average equity | $11,211,750 | 5,011 |
| Average total loans | $78,072,500 | 4,620 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9934% | 6,795 |
| Cost of funding earning assets | 1.7403% | 5,063 |
| Net interest margin | 3.2531% | 5,724 |
| Noninterest income to average assets | 0.4430% | 4,909 |
| Noninterest expense to average assets | 3.4533% | 2,486 |
| Loan and lease loss provision to assets | 1.1975% | 1,433 |
| Net operating income to assets | -0.7353% | 6,780 |
| Return on assets (ROA) | -0.7123% | 6,765 |
| Pretax return on assets | -1.1960% | 6,939 |
| Return on Equity (ROE) | -8.2410% | 6,909 |
| Retained earnings to average equity (ytd only) | -8.7300% | 6,743 |
| Net charge-offs to loans | 1.4083% | 1,336 |
| Credit loss provision to net charge-offs | 139.0909% | 3,356 |
| Earnings coverage of net charge-offs (x) | -0.0400% | 5,734 |
| Efficiency ratio | 101.0073% | 1,126 |
| Assets per employee ($millions) | 2.7247% | 6,785 |
| Cash dividends to net income (ytd only)* | -5.9341% | 7,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0940% | 1,408 |
| Loan loss allowance to noncurrent loans | 35.2302% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 5.8698% | 834 |
| Noncurrent loans to loans | 5.9437% | 925 |
| Net loans and leases to total assets | 61.6642% | 5,410 |
| Net loans and leases to deposits | 68.4783% | 6,139 |
| Net loans and leases to core deposits | 86.0908% | 5,893 |
| Total domestic deposits to total assets | 90.0492% | 810 |
| Equity capital to assets | 9.1521% | 5,095 |
| Core capital (leverage) ratio | 8.7204% | 5,060 |
| Tier 1 risk-based capital ratio | 13.5848% | 3,768 |
| Total risk-based capital ratio | 15.0545% | 3,567 |
| Memoranda: | ||
| Average total assets | $127,761,670 | 4,438 |
| Average earning assets | $116,874,000 | 4,448 |
| Average equity | $11,042,330 | 5,076 |
| Average total loans | $78,110,330 | 4,651 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 7,160 |
| Cost of funding earning assets | 1.9404% | 4,429 |
| Net interest margin | 2.9664% | 6,571 |
| Noninterest income to average assets | 0.3815% | 5,371 |
| Noninterest expense to average assets | 3.0952% | 3,397 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0465% | 6,138 |
| Return on assets (ROA) | 0.0465% | 6,287 |
| Pretax return on assets | 0.0031% | 6,368 |
| Return on Equity (ROE) | 0.5541% | 6,263 |
| Retained earnings to average equity (ytd only) | 0.4433% | 5,481 |
| Net charge-offs to loans | 1.6835% | 857 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.0031% | 4,974 |
| Efficiency ratio | 99.8999% | 1,132 |
| Assets per employee ($millions) | 2.7595% | 6,742 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 3,181 |
| Loan loss allowance to noncurrent loans | 78.2394% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 3.5807% | 1,485 |
| Noncurrent loans to loans | 1.8647% | 3,471 |
| Net loans and leases to total assets | 57.8599% | 5,962 |
| Net loans and leases to deposits | 64.2830% | 6,535 |
| Net loans and leases to core deposits | 81.8646% | 6,248 |
| Total domestic deposits to total assets | 90.0082% | 797 |
| Equity capital to assets | 9.2640% | 4,991 |
| Core capital (leverage) ratio | 9.2463% | 4,330 |
| Tier 1 risk-based capital ratio | 14.5973% | 3,258 |
| Total risk-based capital ratio | 16.0672% | 3,076 |
| Memoranda: | ||
| Average total assets | $128,974,000 | 4,431 |
| Average earning assets | $118,121,500 | 4,428 |
| Average equity | $10,828,000 | 5,153 |
| Average total loans | $77,695,000 | 4,691 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0546% | 5,273 |
| Cost of funding earning assets | 2.3606% | 4,893 |
| Net interest margin | 3.6940% | 4,498 |
| Noninterest income to average assets | 0.2885% | 6,400 |
| Noninterest expense to average assets | 3.2774% | 3,048 |
| Loan and lease loss provision to assets | 0.7042% | 2,093 |
| Net operating income to assets | -0.1123% | 6,514 |
| Return on assets (ROA) | 0.0589% | 6,068 |
| Pretax return on assets | -0.0202% | 6,176 |
| Return on Equity (ROE) | 0.7709% | 5,983 |
| Retained earnings to average equity (ytd only) | 0.6289% | 4,862 |
| Net charge-offs to loans | 0.2705% | 3,600 |
| Credit loss provision to net charge-offs | 394.7826% | 1,116 |
| Earnings coverage of net charge-offs (x) | 2.3348% | 4,922 |
| Efficiency ratio | 88.7256% | 1,611 |
| Assets per employee ($millions) | 2.6174% | 6,972 |
| Cash dividends to net income (ytd only)* | 18.4211% | 4,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 1,592 |
| Loan loss allowance to noncurrent loans | 58.4553% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 3.8292% | 1,108 |
| Noncurrent loans to loans | 3.1046% | 1,715 |
| Net loans and leases to total assets | 60.6610% | 5,815 |
| Net loans and leases to deposits | 66.2412% | 6,627 |
| Net loans and leases to core deposits | 84.8075% | 6,224 |
| Total domestic deposits to total assets | 91.5760% | 196 |
| Equity capital to assets | 7.5172% | 7,366 |
| Core capital (leverage) ratio | 7.0187% | 7,679 |
| Tier 1 risk-based capital ratio | 11.2936% | 5,449 |
| Total risk-based capital ratio | 12.7634% | 5,124 |
| Memoranda: | ||
| Average total assets | $128,945,400 | 4,310 |
| Average earning assets | $118,868,600 | 4,290 |
| Average equity | $9,858,400 | 5,450 |
| Average total loans | $85,028,200 | 4,362 |