Home > Citizens Progressive Bank > Performance and Condition Ratios
Citizens Progressive Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6808% | 295 |
| Cost of funding earning assets | 2.4367% | 419 |
| Net interest margin | 4.2440% | 886 |
| Noninterest income to average assets | 3.4200% | 167 |
| Noninterest expense to average assets | 4.0663% | 346 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 3.0984% | 145 |
| Return on assets (ROA) | 3.0984% | 142 |
| Pretax return on assets | 3.0984% | 186 |
| Return on Equity (ROE) | 27.4700% | 236 |
| Retained earnings to average equity (ytd only) | 13.2136% | 478 |
| Net charge-offs to loans | 0.0445% | 1,448 |
| Credit loss provision to net charge-offs | 287.3563% | 984 |
| Earnings coverage of net charge-offs (x) | 94.2414% | 929 |
| Efficiency ratio | 55.9927% | 3,499 |
| Assets per employee ($millions) | 4.3053% | 4,046 |
| Cash dividends to net income (ytd only)* | 51.8933% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7989% | 3,964 |
| Loan loss allowance to noncurrent loans | 81.4668% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.7579% | 681 |
| Noncurrent loans to loans | 0.9807% | 755 |
| Net loans and leases to total assets | 76.4800% | 1,057 |
| Net loans and leases to deposits | 86.8029% | 1,553 |
| Net loans and leases to core deposits | 120.2780% | 618 |
| Total domestic deposits to total assets | 88.1000% | 1,317 |
| Equity capital to assets | 11.3349% | 1,358 |
| Core capital (leverage) ratio | 10.1318% | 2,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $256,548,400 | 2,641 |
| Average earning assets | $232,278,400 | 2,670 |
| Average equity | $28,939,800 | 2,319 |
| Average total loans | $195,677,000 | 2,313 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6301% | 272 |
| Cost of funding earning assets | 2.1845% | 514 |
| Net interest margin | 4.4456% | 669 |
| Noninterest income to average assets | 4.1000% | 151 |
| Noninterest expense to average assets | 3.7959% | 421 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 4.3314% | 98 |
| Return on assets (ROA) | 4.3314% | 98 |
| Pretax return on assets | 4.3314% | 115 |
| Return on Equity (ROE) | 38.4500% | 128 |
| Retained earnings to average equity (ytd only) | 37.3976% | 54 |
| Net charge-offs to loans | 0.0483% | 1,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 117.8571% | 847 |
| Efficiency ratio | 46.7054% | 4,100 |
| Assets per employee ($millions) | 4.3581% | 4,019 |
| Cash dividends to net income (ytd only)* | 2.7273% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7060% | 4,128 |
| Loan loss allowance to noncurrent loans | 55.2250% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 0.9791% | 538 |
| Noncurrent loans to loans | 1.2783% | 597 |
| Net loans and leases to total assets | 74.6500% | 1,274 |
| Net loans and leases to deposits | 86.4655% | 1,515 |
| Net loans and leases to core deposits | 117.5314% | 621 |
| Total domestic deposits to total assets | 86.3400% | 2,089 |
| Equity capital to assets | 12.8375% | 847 |
| Core capital (leverage) ratio | 11.4979% | 1,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $253,953,750 | 2,665 |
| Average earning assets | $229,793,750 | 2,692 |
| Average equity | $28,610,750 | 2,321 |
| Average total loans | $193,151,000 | 2,334 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5059% | 260 |
| Cost of funding earning assets | 1.9018% | 606 |
| Net interest margin | 4.6041% | 521 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 3.8762% | 376 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1096% | 2,100 |
| Return on assets (ROA) | 1.1096% | 2,086 |
| Pretax return on assets | 1.1096% | 2,618 |
| Return on Equity (ROE) | 10.3600% | 2,608 |
| Retained earnings to average equity (ytd only) | 9.2411% | 1,616 |
| Net charge-offs to loans | 0.0471% | 1,038 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 30.8222% | 1,533 |
| Efficiency ratio | 77.7439% | 1,019 |
| Assets per employee ($millions) | 4.4960% | 3,954 |
| Cash dividends to net income (ytd only)* | 10.8147% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 4,166 |
| Loan loss allowance to noncurrent loans | 74.2754% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.7180% | 725 |
| Noncurrent loans to loans | 0.9514% | 799 |
| Net loans and leases to total assets | 74.7400% | 1,200 |
| Net loans and leases to deposits | 83.8486% | 1,679 |
| Net loans and leases to core deposits | 116.8977% | 605 |
| Total domestic deposits to total assets | 89.1400% | 1,201 |
| Equity capital to assets | 10.1427% | 1,776 |
| Core capital (leverage) ratio | 8.8823% | 3,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $249,989,667 | 2,692 |
| Average earning assets | $226,623,667 | 2,721 |
| Average equity | $26,771,667 | 2,424 |
| Average total loans | $190,911,000 | 2,348 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2823% | 226 |
| Cost of funding earning assets | 1.4615% | 913 |
| Net interest margin | 4.8208% | 359 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 3.8150% | 405 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3228% | 1,615 |
| Return on assets (ROA) | 1.3228% | 1,580 |
| Pretax return on assets | 1.3228% | 2,108 |
| Return on Equity (ROE) | 12.0000% | 2,218 |
| Retained earnings to average equity (ytd only) | 10.8623% | 1,498 |
| Net charge-offs to loans | 0.0130% | 1,470 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 132.3333% | 659 |
| Efficiency ratio | 74.2542% | 1,315 |
| Assets per employee ($millions) | 4.1356% | 4,196 |
| Cash dividends to net income (ytd only)* | 9.4458% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7684% | 4,142 |
| Loan loss allowance to noncurrent loans | 87.2265% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 705 |
| Noncurrent loans to loans | 0.8809% | 857 |
| Net loans and leases to total assets | 75.5100% | 1,019 |
| Net loans and leases to deposits | 85.0980% | 1,420 |
| Net loans and leases to core deposits | 118.6518% | 474 |
| Total domestic deposits to total assets | 88.7300% | 1,645 |
| Equity capital to assets | 10.6456% | 1,491 |
| Core capital (leverage) ratio | 9.5716% | 3,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $240,104,500 | 2,793 |
| Average earning assets | $217,308,500 | 2,813 |
| Average equity | $26,477,000 | 2,463 |
| Average total loans | $184,837,000 | 2,409 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4970% | 156 |
| Cost of funding earning assets | 0.7239% | 527 |
| Net interest margin | 4.7731% | 182 |
| Noninterest income to average assets | 1.0500% | 591 |
| Noninterest expense to average assets | 4.0417% | 327 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3492% | 1,281 |
| Return on assets (ROA) | 1.3585% | 1,206 |
| Pretax return on assets | 1.3585% | 1,909 |
| Return on Equity (ROE) | 12.5300% | 1,960 |
| Retained earnings to average equity (ytd only) | 9.3312% | 1,380 |
| Net charge-offs to loans | 0.0215% | 1,643 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 81.8649% | 1,077 |
| Efficiency ratio | 74.9731% | 1,118 |
| Assets per employee ($millions) | 3.6180% | 4,410 |
| Cash dividends to net income (ytd only)* | 25.5082% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8334% | 3,954 |
| Loan loss allowance to noncurrent loans | 62.8341% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.0692% | 395 |
| Noncurrent loans to loans | 1.3263% | 517 |
| Net loans and leases to total assets | 77.3200% | 862 |
| Net loans and leases to deposits | 87.7890% | 1,189 |
| Net loans and leases to core deposits | 117.1561% | 424 |
| Total domestic deposits to total assets | 88.0700% | 2,054 |
| Equity capital to assets | 11.4497% | 1,100 |
| Core capital (leverage) ratio | 9.7392% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $224,507,400 | 2,877 |
| Average earning assets | $204,037,200 | 2,904 |
| Average equity | $24,348,400 | 2,612 |
| Average total loans | $171,871,200 | 2,439 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3239% | 136 |
| Cost of funding earning assets | 0.6525% | 332 |
| Net interest margin | 4.6714% | 172 |
| Noninterest income to average assets | 1.0900% | 587 |
| Noninterest expense to average assets | 4.0300% | 324 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3157% | 1,303 |
| Return on assets (ROA) | 1.3282% | 1,245 |
| Pretax return on assets | 1.3282% | 1,956 |
| Return on Equity (ROE) | 12.4200% | 1,905 |
| Retained earnings to average equity (ytd only) | 11.1522% | 1,009 |
| Net charge-offs to loans | 0.0149% | 1,576 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 116.1579% | 864 |
| Efficiency ratio | 75.3875% | 1,128 |
| Assets per employee ($millions) | 3.7232% | 4,423 |
| Cash dividends to net income (ytd only)* | 10.2334% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 3,981 |
| Loan loss allowance to noncurrent loans | 72.9086% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.9170% | 505 |
| Noncurrent loans to loans | 1.1683% | 632 |
| Net loans and leases to total assets | 74.3900% | 1,065 |
| Net loans and leases to deposits | 85.1314% | 1,225 |
| Net loans and leases to core deposits | 115.0469% | 344 |
| Total domestic deposits to total assets | 87.3800% | 2,629 |
| Equity capital to assets | 10.9959% | 1,180 |
| Core capital (leverage) ratio | 9.6203% | 2,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $223,650,250 | 2,897 |
| Average earning assets | $203,531,250 | 2,927 |
| Average equity | $23,911,000 | 2,693 |
| Average total loans | $170,410,750 | 2,454 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2078% | 131 |
| Cost of funding earning assets | 0.5984% | 275 |
| Net interest margin | 4.6094% | 165 |
| Noninterest income to average assets | 1.2545% | 448 |
| Noninterest expense to average assets | 3.9725% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4763% | 751 |
| Return on assets (ROA) | 1.4963% | 695 |
| Pretax return on assets | 1.4963% | 1,176 |
| Return on Equity (ROE) | 14.1385% | 1,080 |
| Retained earnings to average equity (ytd only) | 12.8243% | 487 |
| Net charge-offs to loans | 0.0154% | 1,447 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 124.9231% | 718 |
| Efficiency ratio | 72.9062% | 1,639 |
| Assets per employee ($millions) | 3.8419% | 4,436 |
| Cash dividends to net income (ytd only)* | 9.2953% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 4,120 |
| Loan loss allowance to noncurrent loans | 93.4202% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.8087% | 645 |
| Noncurrent loans to loans | 0.8930% | 944 |
| Net loans and leases to total assets | 78.9265% | 488 |
| Net loans and leases to deposits | 89.4771% | 751 |
| Net loans and leases to core deposits | 127.2811% | 138 |
| Total domestic deposits to total assets | 88.2086% | 2,494 |
| Equity capital to assets | 11.1641% | 1,147 |
| Core capital (leverage) ratio | 9.6274% | 2,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,013,667 | 2,945 |
| Average earning assets | $200,201,333 | 2,990 |
| Average equity | $23,284,000 | 2,795 |
| Average total loans | $168,552,333 | 2,477 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1430% | 126 |
| Cost of funding earning assets | 0.5683% | 319 |
| Net interest margin | 4.5747% | 162 |
| Noninterest income to average assets | 1.2036% | 485 |
| Noninterest expense to average assets | 4.1720% | 246 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1925% | 1,265 |
| Return on assets (ROA) | 1.2350% | 1,140 |
| Pretax return on assets | 1.2350% | 1,692 |
| Return on Equity (ROE) | 12.0145% | 1,310 |
| Retained earnings to average equity (ytd only) | 10.6137% | 867 |
| Net charge-offs to loans | 0.0221% | 1,104 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 71.7778% | 787 |
| Efficiency ratio | 77.7701% | 1,335 |
| Assets per employee ($millions) | 3.7516% | 4,487 |
| Cash dividends to net income (ytd only)* | 11.6592% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 4,062 |
| Loan loss allowance to noncurrent loans | 83.0947% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.9365% | 560 |
| Noncurrent loans to loans | 1.0730% | 838 |
| Net loans and leases to total assets | 74.5189% | 620 |
| Net loans and leases to deposits | 83.2464% | 934 |
| Net loans and leases to core deposits | 111.5887% | 228 |
| Total domestic deposits to total assets | 89.5160% | 1,805 |
| Equity capital to assets | 9.9633% | 1,920 |
| Core capital (leverage) ratio | 8.4154% | 3,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,684,000 | 2,993 |
| Average earning assets | $197,084,000 | 3,025 |
| Average equity | $22,273,000 | 2,963 |
| Average total loans | $162,623,500 | 2,525 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4411% | 137 |
| Cost of funding earning assets | 0.7019% | 321 |
| Net interest margin | 4.7393% | 194 |
| Noninterest income to average assets | 1.5150% | 493 |
| Noninterest expense to average assets | 3.5909% | 432 |
| Loan and lease loss provision to assets | 0.3664% | 193 |
| Net operating income to assets | 1.8629% | 446 |
| Return on assets (ROA) | 1.8839% | 452 |
| Pretax return on assets | 1.8839% | 753 |
| Return on Equity (ROE) | 17.8347% | 481 |
| Retained earnings to average equity (ytd only) | 8.4641% | 1,358 |
| Net charge-offs to loans | 0.2096% | 451 |
| Credit loss provision to net charge-offs | 238.8535% | 1,199 |
| Earnings coverage of net charge-offs (x) | 14.5318% | 2,029 |
| Efficiency ratio | 61.6973% | 2,912 |
| Assets per employee ($millions) | 3.7191% | 4,524 |
| Cash dividends to net income (ytd only)* | 52.5415% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 3,863 |
| Loan loss allowance to noncurrent loans | 74.7047% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.1231% | 461 |
| Noncurrent loans to loans | 1.3026% | 730 |
| Net loans and leases to total assets | 74.1727% | 651 |
| Net loans and leases to deposits | 83.5746% | 939 |
| Net loans and leases to core deposits | 115.4127% | 211 |
| Total domestic deposits to total assets | 88.7503% | 1,643 |
| Equity capital to assets | 10.6202% | 2,073 |
| Core capital (leverage) ratio | 8.7261% | 3,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,685,000 | 3,029 |
| Average earning assets | $185,935,600 | 3,055 |
| Average equity | $21,620,800 | 3,086 |
| Average total loans | $149,778,000 | 2,635 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5289% | 144 |
| Cost of funding earning assets | 0.7338% | 331 |
| Net interest margin | 4.7951% | 196 |
| Noninterest income to average assets | 1.7809% | 403 |
| Noninterest expense to average assets | 3.2929% | 605 |
| Loan and lease loss provision to assets | 0.4745% | 119 |
| Net operating income to assets | 2.3704% | 252 |
| Return on assets (ROA) | 2.3985% | 254 |
| Pretax return on assets | 2.3985% | 393 |
| Return on Equity (ROE) | 22.7383% | 265 |
| Retained earnings to average equity (ytd only) | 19.0726% | 164 |
| Net charge-offs to loans | 0.1853% | 459 |
| Credit loss provision to net charge-offs | 351.9417% | 925 |
| Earnings coverage of net charge-offs (x) | 21.1068% | 1,712 |
| Efficiency ratio | 53.6510% | 3,850 |
| Assets per employee ($millions) | 4.1085% | 4,383 |
| Cash dividends to net income (ytd only)* | 16.1211% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 3,693 |
| Loan loss allowance to noncurrent loans | 72.0648% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.2098% | 489 |
| Noncurrent loans to loans | 1.4496% | 731 |
| Net loans and leases to total assets | 72.4244% | 829 |
| Net loans and leases to deposits | 82.1459% | 1,108 |
| Net loans and leases to core deposits | 109.9412% | 327 |
| Total domestic deposits to total assets | 88.1656% | 1,739 |
| Equity capital to assets | 11.1529% | 1,915 |
| Core capital (leverage) ratio | 9.0314% | 3,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,788,250 | 3,073 |
| Average earning assets | $185,157,000 | 3,100 |
| Average equity | $21,496,250 | 3,128 |
| Average total loans | $148,222,750 | 2,688 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6995% | 134 |
| Cost of funding earning assets | 0.7702% | 332 |
| Net interest margin | 4.9292% | 182 |
| Noninterest income to average assets | 0.5310% | 2,485 |
| Noninterest expense to average assets | 3.0930% | 853 |
| Loan and lease loss provision to assets | 0.1486% | 804 |
| Net operating income to assets | 1.7783% | 750 |
| Return on assets (ROA) | 1.8209% | 716 |
| Pretax return on assets | 1.8209% | 1,187 |
| Return on Equity (ROE) | 17.6121% | 698 |
| Retained earnings to average equity (ytd only) | 12.8018% | 760 |
| Net charge-offs to loans | 0.0764% | 892 |
| Credit loss provision to net charge-offs | 267.8571% | 942 |
| Earnings coverage of net charge-offs (x) | 34.7321% | 1,238 |
| Efficiency ratio | 61.6144% | 2,780 |
| Assets per employee ($millions) | 4.1068% | 4,386 |
| Cash dividends to net income (ytd only)* | 27.3123% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7309% | 4,483 |
| Loan loss allowance to noncurrent loans | 44.3899% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.3846% | 445 |
| Noncurrent loans to loans | 1.6465% | 652 |
| Net loans and leases to total assets | 76.1961% | 576 |
| Net loans and leases to deposits | 87.3285% | 824 |
| Net loans and leases to core deposits | 122.4964% | 191 |
| Total domestic deposits to total assets | 87.2523% | 2,192 |
| Equity capital to assets | 10.2961% | 2,581 |
| Core capital (leverage) ratio | 8.7089% | 3,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,873,333 | 3,086 |
| Average earning assets | $183,841,667 | 3,111 |
| Average equity | $20,872,000 | 3,172 |
| Average total loans | $146,512,000 | 2,723 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5957% | 174 |
| Cost of funding earning assets | 0.8234% | 315 |
| Net interest margin | 4.7723% | 248 |
| Noninterest income to average assets | 0.5351% | 2,457 |
| Noninterest expense to average assets | 2.9644% | 1,045 |
| Loan and lease loss provision to assets | 0.1514% | 857 |
| Net operating income to assets | 1.7730% | 825 |
| Return on assets (ROA) | 1.8598% | 763 |
| Pretax return on assets | 1.8598% | 1,181 |
| Return on Equity (ROE) | 17.9484% | 732 |
| Retained earnings to average equity (ytd only) | 11.4784% | 1,278 |
| Net charge-offs to loans | 0.0230% | 1,284 |
| Credit loss provision to net charge-offs | 937.5000% | 430 |
| Earnings coverage of net charge-offs (x) | 119.1250% | 552 |
| Efficiency ratio | 60.6361% | 2,959 |
| Assets per employee ($millions) | 4.2795% | 4,285 |
| Cash dividends to net income (ytd only)* | 36.0478% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7859% | 4,433 |
| Loan loss allowance to noncurrent loans | 35.8950% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.7217% | 333 |
| Noncurrent loans to loans | 2.1893% | 458 |
| Net loans and leases to total assets | 72.1202% | 1,003 |
| Net loans and leases to deposits | 80.8371% | 1,439 |
| Net loans and leases to core deposits | 109.3020% | 432 |
| Total domestic deposits to total assets | 89.2167% | 1,221 |
| Equity capital to assets | 10.3383% | 2,408 |
| Core capital (leverage) ratio | 8.4548% | 4,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0845% | 2,914 |
| Memoranda: | ||
| Average total assets | $198,085,500 | 3,108 |
| Average earning assets | $180,710,000 | 3,122 |
| Average equity | $20,525,500 | 3,199 |
| Average total loans | $139,384,500 | 2,788 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3026% | 262 |
| Cost of funding earning assets | 1.1257% | 361 |
| Net interest margin | 4.1769% | 675 |
| Noninterest income to average assets | 0.6328% | 2,091 |
| Noninterest expense to average assets | 3.3328% | 865 |
| Loan and lease loss provision to assets | 0.2067% | 1,909 |
| Net operating income to assets | 0.8515% | 2,892 |
| Return on assets (ROA) | 0.8942% | 2,859 |
| Pretax return on assets | 0.8942% | 3,380 |
| Return on Equity (ROE) | 8.0234% | 2,810 |
| Retained earnings to average equity (ytd only) | 1.2710% | 4,119 |
| Net charge-offs to loans | 0.1884% | 905 |
| Credit loss provision to net charge-offs | 153.6585% | 2,400 |
| Earnings coverage of net charge-offs (x) | 7.8659% | 2,656 |
| Efficiency ratio | 75.8999% | 1,240 |
| Assets per employee ($millions) | 4.3341% | 4,082 |
| Cash dividends to net income (ytd only)* | 84.1590% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8162% | 4,390 |
| Loan loss allowance to noncurrent loans | 35.3595% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.7176% | 376 |
| Noncurrent loans to loans | 2.3084% | 460 |
| Net loans and leases to total assets | 67.4127% | 1,901 |
| Net loans and leases to deposits | 75.5474% | 2,326 |
| Net loans and leases to core deposits | 103.9204% | 729 |
| Total domestic deposits to total assets | 89.2322% | 881 |
| Equity capital to assets | 10.3863% | 2,765 |
| Core capital (leverage) ratio | 8.3778% | 4,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,850,200 | 3,080 |
| Average earning assets | $164,522,400 | 3,127 |
| Average equity | $20,377,800 | 3,152 |
| Average total loans | $130,587,800 | 2,859 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3339% | 324 |
| Cost of funding earning assets | 1.1943% | 382 |
| Net interest margin | 4.1396% | 828 |
| Noninterest income to average assets | 0.6696% | 1,907 |
| Noninterest expense to average assets | 3.3258% | 872 |
| Loan and lease loss provision to assets | 0.2358% | 1,725 |
| Net operating income to assets | 0.8194% | 3,018 |
| Return on assets (ROA) | 0.8772% | 2,918 |
| Pretax return on assets | 0.8772% | 3,446 |
| Return on Equity (ROE) | 7.7288% | 2,911 |
| Retained earnings to average equity (ytd only) | 5.7035% | 2,237 |
| Net charge-offs to loans | 0.1199% | 1,168 |
| Credit loss provision to net charge-offs | 271.7949% | 1,849 |
| Earnings coverage of net charge-offs (x) | 12.1624% | 2,261 |
| Efficiency ratio | 75.9140% | 1,212 |
| Assets per employee ($millions) | 4.3126% | 4,032 |
| Cash dividends to net income (ytd only)* | 26.2046% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8618% | 4,191 |
| Loan loss allowance to noncurrent loans | 21.0267% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 3.0640% | 143 |
| Noncurrent loans to loans | 4.0984% | 158 |
| Net loans and leases to total assets | 69.7809% | 1,986 |
| Net loans and leases to deposits | 79.0406% | 2,416 |
| Net loans and leases to core deposits | 110.2854% | 694 |
| Total domestic deposits to total assets | 88.2848% | 1,069 |
| Equity capital to assets | 10.9816% | 2,409 |
| Core capital (leverage) ratio | 8.7871% | 3,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,803,750 | 3,089 |
| Average earning assets | $161,203,750 | 3,140 |
| Average equity | $20,408,000 | 3,145 |
| Average total loans | $130,094,500 | 2,868 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5033% | 337 |
| Cost of funding earning assets | 1.2704% | 404 |
| Net interest margin | 4.2329% | 851 |
| Noninterest income to average assets | 0.6085% | 2,099 |
| Noninterest expense to average assets | 3.3283% | 949 |
| Loan and lease loss provision to assets | 0.2380% | 1,770 |
| Net operating income to assets | 0.8295% | 2,940 |
| Return on assets (ROA) | 0.8692% | 2,930 |
| Pretax return on assets | 0.8692% | 3,404 |
| Return on Equity (ROE) | 7.5698% | 2,909 |
| Retained earnings to average equity (ytd only) | 5.3492% | 2,331 |
| Net charge-offs to loans | 0.1210% | 1,119 |
| Credit loss provision to net charge-offs | 269.2308% | 1,695 |
| Earnings coverage of net charge-offs (x) | 12.0769% | 2,074 |
| Efficiency ratio | 75.7154% | 1,291 |
| Assets per employee ($millions) | 4.3750% | 3,934 |
| Cash dividends to net income (ytd only)* | 29.3351% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7863% | 4,372 |
| Loan loss allowance to noncurrent loans | 25.2273% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 2.4124% | 242 |
| Noncurrent loans to loans | 3.1169% | 296 |
| Net loans and leases to total assets | 70.9208% | 1,887 |
| Net loans and leases to deposits | 81.7426% | 2,229 |
| Net loans and leases to core deposits | 115.5632% | 546 |
| Total domestic deposits to total assets | 86.7612% | 1,710 |
| Equity capital to assets | 10.6534% | 2,618 |
| Core capital (leverage) ratio | 9.3021% | 3,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,487,000 | 3,104 |
| Average earning assets | $157,906,333 | 3,153 |
| Average equity | $20,264,667 | 3,151 |
| Average total loans | $128,938,333 | 2,872 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8123% | 212 |
| Cost of funding earning assets | 1.3974% | 404 |
| Net interest margin | 4.4149% | 604 |
| Noninterest income to average assets | 0.7645% | 1,418 |
| Noninterest expense to average assets | 3.6277% | 789 |
| Loan and lease loss provision to assets | 0.3205% | 968 |
| Net operating income to assets | 0.7692% | 3,025 |
| Return on assets (ROA) | 0.7692% | 3,098 |
| Pretax return on assets | 0.7692% | 3,490 |
| Return on Equity (ROE) | 6.4340% | 3,157 |
| Retained earnings to average equity (ytd only) | 6.1361% | 1,824 |
| Net charge-offs to loans | 0.1059% | 1,050 |
| Credit loss provision to net charge-offs | 409.0909% | 986 |
| Earnings coverage of net charge-offs (x) | 13.9091% | 1,627 |
| Efficiency ratio | 76.8998% | 1,464 |
| Assets per employee ($millions) | 3.5771% | 4,413 |
| Cash dividends to net income (ytd only)* | 4.6296% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8205% | 4,359 |
| Loan loss allowance to noncurrent loans | 21.4039% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 3.2050% | 172 |
| Noncurrent loans to loans | 3.8336% | 214 |
| Net loans and leases to total assets | 74.0568% | 1,591 |
| Net loans and leases to deposits | 84.5065% | 2,168 |
| Net loans and leases to core deposits | 118.0188% | 532 |
| Total domestic deposits to total assets | 87.6344% | 1,258 |
| Equity capital to assets | 11.8269% | 2,199 |
| Core capital (leverage) ratio | 9.4919% | 3,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6191% | 2,881 |
| Memoranda: | ||
| Average total assets | $168,479,500 | 3,148 |
| Average earning assets | $150,852,000 | 3,184 |
| Average equity | $20,143,000 | 3,159 |
| Average total loans | $124,604,500 | 2,906 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8693% | 281 |
| Cost of funding earning assets | 1.4815% | 419 |
| Net interest margin | 4.3878% | 915 |
| Noninterest income to average assets | 0.9061% | 1,169 |
| Noninterest expense to average assets | 3.5370% | 916 |
| Loan and lease loss provision to assets | 0.1929% | 1,060 |
| Net operating income to assets | 1.1057% | 2,420 |
| Return on assets (ROA) | 1.1057% | 2,515 |
| Pretax return on assets | 1.1057% | 3,144 |
| Return on Equity (ROE) | 8.9720% | 2,769 |
| Retained earnings to average equity (ytd only) | 1.4158% | 4,237 |
| Net charge-offs to loans | 0.3426% | 596 |
| Credit loss provision to net charge-offs | 74.2925% | 2,861 |
| Earnings coverage of net charge-offs (x) | 5.0024% | 3,144 |
| Efficiency ratio | 73.1451% | 1,711 |
| Assets per employee ($millions) | 3.4429% | 4,530 |
| Cash dividends to net income (ytd only)* | 84.2193% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7851% | 4,350 |
| Loan loss allowance to noncurrent loans | 46.2963% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.6066% | 600 |
| Noncurrent loans to loans | 1.6959% | 813 |
| Net loans and leases to total assets | 72.6444% | 1,980 |
| Net loans and leases to deposits | 83.0968% | 2,430 |
| Net loans and leases to core deposits | 119.9229% | 481 |
| Total domestic deposits to total assets | 87.4214% | 1,397 |
| Equity capital to assets | 12.0897% | 2,084 |
| Core capital (leverage) ratio | 9.6385% | 3,916 |
| Tier 1 risk-based capital ratio | 12.8636% | 3,865 |
| Total risk-based capital ratio | 13.6571% | 3,996 |
| Memoranda: | ||
| Average total assets | $163,331,400 | 3,174 |
| Average earning assets | $146,268,400 | 3,209 |
| Average equity | $20,129,400 | 3,119 |
| Average total loans | $123,758,600 | 2,895 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9094% | 286 |
| Cost of funding earning assets | 1.4586% | 470 |
| Net interest margin | 4.4508% | 854 |
| Noninterest income to average assets | 0.8777% | 1,201 |
| Noninterest expense to average assets | 3.6016% | 847 |
| Loan and lease loss provision to assets | 0.2579% | 619 |
| Net operating income to assets | 1.0029% | 2,968 |
| Return on assets (ROA) | 1.0029% | 3,047 |
| Pretax return on assets | 1.0029% | 3,591 |
| Return on Equity (ROE) | 8.0988% | 3,260 |
| Retained earnings to average equity (ytd only) | 6.1221% | 2,316 |
| Net charge-offs to loans | 0.3686% | 459 |
| Credit loss provision to net charge-offs | 91.5698% | 2,377 |
| Earnings coverage of net charge-offs (x) | 4.4767% | 3,007 |
| Efficiency ratio | 74.0697% | 1,556 |
| Assets per employee ($millions) | 3.3986% | 4,597 |
| Cash dividends to net income (ytd only)* | 24.4084% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8328% | 4,298 |
| Loan loss allowance to noncurrent loans | 50.3914% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.7341% | 579 |
| Noncurrent loans to loans | 1.6526% | 887 |
| Net loans and leases to total assets | 75.1868% | 1,622 |
| Net loans and leases to deposits | 86.9161% | 2,075 |
| Net loans and leases to core deposits | 123.1004% | 436 |
| Total domestic deposits to total assets | 86.5050% | 1,771 |
| Equity capital to assets | 12.6386% | 1,818 |
| Core capital (leverage) ratio | 9.7885% | 3,871 |
| Tier 1 risk-based capital ratio | 12.5962% | 4,088 |
| Total risk-based capital ratio | 13.4051% | 4,225 |
| Memoranda: | ||
| Average total assets | $162,850,000 | 3,214 |
| Average earning assets | $145,797,250 | 3,247 |
| Average equity | $20,167,000 | 3,140 |
| Average total loans | $124,448,250 | 2,914 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8378% | 316 |
| Cost of funding earning assets | 1.4159% | 505 |
| Net interest margin | 4.4219% | 904 |
| Noninterest income to average assets | 0.8848% | 1,109 |
| Noninterest expense to average assets | 3.5047% | 953 |
| Loan and lease loss provision to assets | 0.2581% | 592 |
| Net operating income to assets | 1.0826% | 2,592 |
| Return on assets (ROA) | 1.0826% | 2,660 |
| Pretax return on assets | 1.0826% | 3,282 |
| Return on Equity (ROE) | 8.8027% | 2,936 |
| Retained earnings to average equity (ytd only) | 6.8043% | 1,900 |
| Net charge-offs to loans | 0.4378% | 376 |
| Credit loss provision to net charge-offs | 76.9231% | 2,256 |
| Earnings coverage of net charge-offs (x) | 3.9963% | 2,776 |
| Efficiency ratio | 72.3307% | 1,872 |
| Assets per employee ($millions) | 3.4848% | 4,514 |
| Cash dividends to net income (ytd only)* | 22.7015% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7822% | 4,504 |
| Loan loss allowance to noncurrent loans | 53.9253% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 1.6149% | 667 |
| Noncurrent loans to loans | 1.4505% | 1,066 |
| Net loans and leases to total assets | 77.1377% | 1,369 |
| Net loans and leases to deposits | 88.8192% | 1,888 |
| Net loans and leases to core deposits | 122.4272% | 473 |
| Total domestic deposits to total assets | 86.8480% | 1,665 |
| Equity capital to assets | 12.4407% | 1,893 |
| Core capital (leverage) ratio | 10.0017% | 3,583 |
| Tier 1 risk-based capital ratio | 12.5759% | 4,090 |
| Total risk-based capital ratio | 13.3680% | 4,238 |
| Memoranda: | ||
| Average total assets | $162,755,000 | 3,229 |
| Average earning assets | $145,775,000 | 3,265 |
| Average equity | $20,016,670 | 3,148 |
| Average total loans | $124,702,330 | 2,930 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8065% | 310 |
| Cost of funding earning assets | 1.3944% | 469 |
| Net interest margin | 4.4120% | 873 |
| Noninterest income to average assets | 0.9196% | 999 |
| Noninterest expense to average assets | 3.6292% | 815 |
| Loan and lease loss provision to assets | 0.2589% | 555 |
| Net operating income to assets | 0.9788% | 2,928 |
| Return on assets (ROA) | 0.9788% | 2,971 |
| Pretax return on assets | 0.9788% | 3,513 |
| Return on Equity (ROE) | 8.0052% | 3,260 |
| Retained earnings to average equity (ytd only) | 7.5011% | 1,846 |
| Net charge-offs to loans | 0.8234% | 180 |
| Credit loss provision to net charge-offs | 41.3386% | 2,022 |
| Earnings coverage of net charge-offs (x) | 1.9764% | 2,541 |
| Efficiency ratio | 74.5694% | 1,670 |
| Assets per employee ($millions) | 3.4904% | 4,572 |
| Cash dividends to net income (ytd only)* | 6.2972% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7416% | 4,684 |
| Loan loss allowance to noncurrent loans | 28.8706% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 2.5834% | 289 |
| Noncurrent loans to loans | 2.5687% | 499 |
| Net loans and leases to total assets | 74.2446% | 1,760 |
| Net loans and leases to deposits | 85.1595% | 2,234 |
| Net loans and leases to core deposits | 116.6237% | 627 |
| Total domestic deposits to total assets | 87.1829% | 1,722 |
| Equity capital to assets | 12.2166% | 1,900 |
| Core capital (leverage) ratio | 9.8046% | 3,812 |
| Tier 1 risk-based capital ratio | 12.7713% | 3,997 |
| Total risk-based capital ratio | 13.5217% | 4,173 |
| Memoranda: | ||
| Average total assets | $162,240,000 | 3,274 |
| Average earning assets | $145,148,500 | 3,310 |
| Average equity | $19,837,000 | 3,172 |
| Average total loans | $123,385,500 | 2,986 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7920% | 240 |
| Cost of funding earning assets | 1.1471% | 421 |
| Net interest margin | 4.6449% | 550 |
| Noninterest income to average assets | 0.7484% | 1,648 |
| Noninterest expense to average assets | 3.4111% | 1,129 |
| Loan and lease loss provision to assets | 0.2960% | 544 |
| Net operating income to assets | 1.1871% | 2,233 |
| Return on assets (ROA) | 1.1871% | 2,230 |
| Pretax return on assets | 1.1871% | 2,921 |
| Return on Equity (ROE) | 9.7226% | 2,632 |
| Retained earnings to average equity (ytd only) | 2.9142% | 3,941 |
| Net charge-offs to loans | 0.3226% | 602 |
| Credit loss provision to net charge-offs | 117.8660% | 2,203 |
| Earnings coverage of net charge-offs (x) | 5.9057% | 3,142 |
| Efficiency ratio | 69.6970% | 2,241 |
| Assets per employee ($millions) | 3.4877% | 4,558 |
| Cash dividends to net income (ytd only)* | 70.0262% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 4,351 |
| Loan loss allowance to noncurrent loans | 41.8844% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 2.0937% | 444 |
| Noncurrent loans to loans | 2.0360% | 660 |
| Net loans and leases to total assets | 76.6719% | 1,489 |
| Net loans and leases to deposits | 91.6929% | 1,588 |
| Net loans and leases to core deposits | 127.9630% | 354 |
| Total domestic deposits to total assets | 83.6181% | 3,117 |
| Equity capital to assets | 12.2375% | 1,736 |
| Core capital (leverage) ratio | 9.7423% | 3,866 |
| Tier 1 risk-based capital ratio | 12.6533% | 4,045 |
| Total risk-based capital ratio | 13.5390% | 4,128 |
| Memoranda: | ||
| Average total assets | $160,474,800 | 3,273 |
| Average earning assets | $143,232,400 | 3,329 |
| Average equity | $19,593,600 | 3,126 |
| Average total loans | $124,917,800 | 2,939 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7635% | 233 |
| Cost of funding earning assets | 1.0903% | 418 |
| Net interest margin | 4.6732% | 498 |
| Noninterest income to average assets | 0.7768% | 1,549 |
| Noninterest expense to average assets | 3.3979% | 1,122 |
| Loan and lease loss provision to assets | 0.3323% | 422 |
| Net operating income to assets | 1.2130% | 2,188 |
| Return on assets (ROA) | 1.2130% | 2,189 |
| Pretax return on assets | 1.2130% | 2,942 |
| Return on Equity (ROE) | 9.9400% | 2,646 |
| Retained earnings to average equity (ytd only) | 7.8635% | 1,722 |
| Net charge-offs to loans | 0.2941% | 567 |
| Credit loss provision to net charge-offs | 144.9275% | 1,763 |
| Earnings coverage of net charge-offs (x) | 6.7392% | 2,855 |
| Efficiency ratio | 68.7395% | 2,398 |
| Assets per employee ($millions) | 3.4765% | 4,590 |
| Cash dividends to net income (ytd only)* | 20.8906% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8649% | 4,389 |
| Loan loss allowance to noncurrent loans | 42.6651% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 2.2836% | 416 |
| Noncurrent loans to loans | 2.0272% | 716 |
| Net loans and leases to total assets | 79.6281% | 1,076 |
| Net loans and leases to deposits | 95.9565% | 1,161 |
| Net loans and leases to core deposits | 127.3293% | 385 |
| Total domestic deposits to total assets | 82.9835% | 3,311 |
| Equity capital to assets | 12.6231% | 1,512 |
| Core capital (leverage) ratio | 10.0967% | 3,527 |
| Tier 1 risk-based capital ratio | 12.6835% | 4,085 |
| Total risk-based capital ratio | 13.5812% | 4,189 |
| Memoranda: | ||
| Average total assets | $160,485,250 | 3,295 |
| Average earning assets | $143,080,500 | 3,359 |
| Average equity | $19,583,750 | 3,144 |
| Average total loans | $125,131,000 | 2,966 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6969% | 238 |
| Cost of funding earning assets | 1.0401% | 385 |
| Net interest margin | 4.6568% | 492 |
| Noninterest income to average assets | 0.5813% | 2,425 |
| Noninterest expense to average assets | 3.2874% | 1,351 |
| Loan and lease loss provision to assets | 0.3734% | 337 |
| Net operating income to assets | 1.0780% | 2,671 |
| Return on assets (ROA) | 1.0780% | 2,677 |
| Pretax return on assets | 1.0780% | 3,394 |
| Return on Equity (ROE) | 8.9358% | 3,052 |
| Retained earnings to average equity (ytd only) | 6.8618% | 2,139 |
| Net charge-offs to loans | 0.2903% | 551 |
| Credit loss provision to net charge-offs | 166.6667% | 1,465 |
| Earnings coverage of net charge-offs (x) | 6.4778% | 2,621 |
| Efficiency ratio | 69.3722% | 2,413 |
| Assets per employee ($millions) | 3.5838% | 4,494 |
| Cash dividends to net income (ytd only)* | 23.2102% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8522% | 4,546 |
| Loan loss allowance to noncurrent loans | 41.5073% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 2.2632% | 414 |
| Noncurrent loans to loans | 2.0531% | 716 |
| Net loans and leases to total assets | 78.1274% | 1,289 |
| Net loans and leases to deposits | 91.1637% | 1,684 |
| Net loans and leases to core deposits | 128.1562% | 366 |
| Total domestic deposits to total assets | 85.7002% | 2,410 |
| Equity capital to assets | 11.9432% | 1,889 |
| Core capital (leverage) ratio | 9.7180% | 3,864 |
| Tier 1 risk-based capital ratio | 11.9769% | 4,513 |
| Total risk-based capital ratio | 12.8520% | 4,619 |
| Memoranda: | ||
| Average total assets | $160,673,330 | 3,316 |
| Average earning assets | $143,446,000 | 3,375 |
| Average equity | $19,382,670 | 3,183 |
| Average total loans | $124,023,670 | 2,991 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6923% | 212 |
| Cost of funding earning assets | 1.0113% | 353 |
| Net interest margin | 4.6809% | 415 |
| Noninterest income to average assets | 0.5221% | 2,673 |
| Noninterest expense to average assets | 3.3522% | 1,247 |
| Loan and lease loss provision to assets | 0.3784% | 312 |
| Net operating income to assets | 0.9711% | 2,980 |
| Return on assets (ROA) | 0.9711% | 3,010 |
| Pretax return on assets | 0.9711% | 3,631 |
| Return on Equity (ROE) | 8.0085% | 3,365 |
| Retained earnings to average equity (ytd only) | 7.4885% | 2,051 |
| Net charge-offs to loans | 0.2709% | 575 |
| Credit loss provision to net charge-offs | 182.9268% | 1,105 |
| Earnings coverage of net charge-offs (x) | 6.5244% | 2,155 |
| Efficiency ratio | 71.2983% | 2,302 |
| Assets per employee ($millions) | 3.5885% | 4,553 |
| Cash dividends to net income (ytd only)* | 6.4935% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 4,628 |
| Loan loss allowance to noncurrent loans | 20.5133% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 3.6413% | 194 |
| Noncurrent loans to loans | 4.1526% | 232 |
| Net loans and leases to total assets | 76.0436% | 1,539 |
| Net loans and leases to deposits | 86.8215% | 2,072 |
| Net loans and leases to core deposits | 124.5888% | 457 |
| Total domestic deposits to total assets | 87.5862% | 1,854 |
| Equity capital to assets | 12.0082% | 1,781 |
| Core capital (leverage) ratio | 9.5565% | 4,007 |
| Tier 1 risk-based capital ratio | 12.1184% | 4,487 |
| Total risk-based capital ratio | 12.9791% | 4,609 |
| Memoranda: | ||
| Average total assets | $158,582,500 | 3,379 |
| Average earning assets | $141,596,000 | 3,432 |
| Average equity | $19,229,500 | 3,227 |
| Average total loans | $121,083,500 | 3,049 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4789% | 273 |
| Cost of funding earning assets | 0.9910% | 227 |
| Net interest margin | 4.4879% | 631 |
| Noninterest income to average assets | 0.6946% | 1,986 |
| Noninterest expense to average assets | 3.2361% | 1,538 |
| Loan and lease loss provision to assets | 0.3420% | 475 |
| Net operating income to assets | 1.1212% | 1,789 |
| Return on assets (ROA) | 1.1262% | 1,795 |
| Pretax return on assets | 1.1262% | 3,079 |
| Return on Equity (ROE) | 9.7729% | 1,991 |
| Retained earnings to average equity (ytd only) | 6.4973% | 1,279 |
| Net charge-offs to loans | 0.2985% | 873 |
| Credit loss provision to net charge-offs | 151.9337% | 1,757 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 3,172 |
| Efficiency ratio | 68.8633% | 2,731 |
| Assets per employee ($millions) | 3.4596% | 4,754 |
| Cash dividends to net income (ytd only)* | 33.5174% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 4,721 |
| Loan loss allowance to noncurrent loans | 22.6688% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 3.4063% | 201 |
| Noncurrent loans to loans | 3.6800% | 266 |
| Net loans and leases to total assets | 75.3636% | 1,702 |
| Net loans and leases to deposits | 86.2276% | 2,232 |
| Net loans and leases to core deposits | 122.7676% | 501 |
| Total domestic deposits to total assets | 87.4008% | 1,815 |
| Equity capital to assets | 12.2479% | 1,674 |
| Core capital (leverage) ratio | 9.4931% | 4,058 |
| Tier 1 risk-based capital ratio | 12.3040% | 4,328 |
| Total risk-based capital ratio | 13.1398% | 4,480 |
| Memoranda: | ||
| Average total assets | $160,813,000 | 3,338 |
| Average earning assets | $143,495,400 | 3,407 |
| Average equity | $18,530,800 | 3,293 |
| Average total loans | $121,276,000 | 3,042 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4343% | 279 |
| Cost of funding earning assets | 0.9839% | 212 |
| Net interest margin | 4.4503% | 664 |
| Noninterest income to average assets | 0.5396% | 2,784 |
| Noninterest expense to average assets | 3.1758% | 1,617 |
| Loan and lease loss provision to assets | 0.3701% | 395 |
| Net operating income to assets | 0.9706% | 2,686 |
| Return on assets (ROA) | 0.9772% | 2,714 |
| Pretax return on assets | 0.9772% | 3,777 |
| Return on Equity (ROE) | 8.6101% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.0376% | 1,207 |
| Net charge-offs to loans | 0.2677% | 808 |
| Credit loss provision to net charge-offs | 183.6735% | 1,443 |
| Earnings coverage of net charge-offs (x) | 6.6530% | 2,960 |
| Efficiency ratio | 70.3151% | 2,489 |
| Assets per employee ($millions) | 3.3211% | 4,953 |
| Cash dividends to net income (ytd only)* | 6.6498% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8022% | 4,884 |
| Loan loss allowance to noncurrent loans | 27.1205% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 2.8774% | 326 |
| Noncurrent loans to loans | 2.9581% | 439 |
| Net loans and leases to total assets | 77.8754% | 1,289 |
| Net loans and leases to deposits | 92.3087% | 1,522 |
| Net loans and leases to core deposits | 134.7922% | 271 |
| Total domestic deposits to total assets | 84.3641% | 2,974 |
| Equity capital to assets | 11.9223% | 2,017 |
| Core capital (leverage) ratio | 9.1183% | 4,619 |
| Tier 1 risk-based capital ratio | 11.9761% | 4,640 |
| Total risk-based capital ratio | 12.8072% | 4,809 |
| Memoranda: | ||
| Average total assets | $162,095,250 | 3,351 |
| Average earning assets | $144,855,250 | 3,411 |
| Average equity | $18,396,500 | 3,343 |
| Average total loans | $122,016,000 | 3,050 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3099% | 325 |
| Cost of funding earning assets | 0.9670% | 202 |
| Net interest margin | 4.3428% | 775 |
| Noninterest income to average assets | 0.5608% | 2,651 |
| Noninterest expense to average assets | 3.0861% | 1,873 |
| Loan and lease loss provision to assets | 0.4295% | 293 |
| Net operating income to assets | 0.9301% | 2,759 |
| Return on assets (ROA) | 0.9301% | 2,818 |
| Pretax return on assets | 0.9301% | 3,830 |
| Return on Equity (ROE) | 8.3327% | 2,857 |
| Retained earnings to average equity (ytd only) | 7.7831% | 1,245 |
| Net charge-offs to loans | 0.2728% | 741 |
| Credit loss provision to net charge-offs | 212.1212% | 1,220 |
| Earnings coverage of net charge-offs (x) | 6.7152% | 2,674 |
| Efficiency ratio | 69.4176% | 2,781 |
| Assets per employee ($millions) | 3.4014% | 4,858 |
| Cash dividends to net income (ytd only)* | 6.5963% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7625% | 5,043 |
| Loan loss allowance to noncurrent loans | 26.1841% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 3.0760% | 290 |
| Noncurrent loans to loans | 2.9119% | 456 |
| Net loans and leases to total assets | 78.4444% | 1,170 |
| Net loans and leases to deposits | 91.5788% | 1,550 |
| Net loans and leases to core deposits | 136.6812% | 225 |
| Total domestic deposits to total assets | 85.6578% | 2,545 |
| Equity capital to assets | 11.3704% | 2,441 |
| Core capital (leverage) ratio | 8.8441% | 4,902 |
| Tier 1 risk-based capital ratio | 11.0718% | 5,212 |
| Total risk-based capital ratio | 11.8486% | 5,350 |
| Memoranda: | ||
| Average total assets | $162,988,670 | 3,361 |
| Average earning assets | $145,804,330 | 3,416 |
| Average equity | $18,193,330 | 3,372 |
| Average total loans | $120,971,670 | 3,075 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1748% | 395 |
| Cost of funding earning assets | 0.9691% | 191 |
| Net interest margin | 4.2057% | 978 |
| Noninterest income to average assets | 0.5920% | 2,452 |
| Noninterest expense to average assets | 3.2103% | 1,579 |
| Loan and lease loss provision to assets | 0.3684% | 312 |
| Net operating income to assets | 0.7762% | 3,333 |
| Return on assets (ROA) | 0.7762% | 3,391 |
| Pretax return on assets | 0.7762% | 4,200 |
| Return on Equity (ROE) | 7.0191% | 3,390 |
| Retained earnings to average equity (ytd only) | 7.0191% | 1,842 |
| Net charge-offs to loans | 0.5200% | 350 |
| Credit loss provision to net charge-offs | 98.6842% | 1,629 |
| Earnings coverage of net charge-offs (x) | 3.0658% | 2,515 |
| Efficiency ratio | 73.7169% | 2,282 |
| Assets per employee ($millions) | 3.4374% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6624% | 5,382 |
| Loan loss allowance to noncurrent loans | 43.4096% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 2.2128% | 565 |
| Noncurrent loans to loans | 1.5258% | 1,297 |
| Net loans and leases to total assets | 72.4446% | 2,011 |
| Net loans and leases to deposits | 82.2173% | 2,475 |
| Net loans and leases to core deposits | 129.1546% | 273 |
| Total domestic deposits to total assets | 88.1136% | 1,648 |
| Equity capital to assets | 11.0094% | 2,618 |
| Core capital (leverage) ratio | 8.5952% | 5,156 |
| Tier 1 risk-based capital ratio | 11.4327% | 5,075 |
| Total risk-based capital ratio | 12.1012% | 5,307 |
| Memoranda: | ||
| Average total assets | $162,850,000 | 3,393 |
| Average earning assets | $145,707,500 | 3,454 |
| Average equity | $18,008,000 | 3,410 |
| Average total loans | $116,929,000 | 3,162 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3371% | 334 |
| Cost of funding earning assets | 0.9988% | 176 |
| Net interest margin | 4.3383% | 871 |
| Noninterest income to average assets | 0.6615% | 2,360 |
| Noninterest expense to average assets | 3.3176% | 1,540 |
| Loan and lease loss provision to assets | 0.3377% | 522 |
| Net operating income to assets | 0.8661% | 2,995 |
| Return on assets (ROA) | 0.8661% | 3,110 |
| Pretax return on assets | 0.8661% | 3,954 |
| Return on Equity (ROE) | 7.6721% | 3,131 |
| Retained earnings to average equity (ytd only) | 5.6485% | 1,921 |
| Net charge-offs to loans | 0.3576% | 765 |
| Credit loss provision to net charge-offs | 125.6158% | 2,129 |
| Earnings coverage of net charge-offs (x) | 4.4778% | 3,492 |
| Efficiency ratio | 73.3743% | 2,360 |
| Assets per employee ($millions) | 3.3480% | 4,981 |
| Cash dividends to net income (ytd only)* | 26.3761% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7038% | 5,350 |
| Loan loss allowance to noncurrent loans | 31.9089% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 2.9109% | 363 |
| Noncurrent loans to loans | 2.2056% | 774 |
| Net loans and leases to total assets | 70.1484% | 2,441 |
| Net loans and leases to deposits | 79.1579% | 2,978 |
| Net loans and leases to core deposits | 118.2074% | 535 |
| Total domestic deposits to total assets | 88.6183% | 1,313 |
| Equity capital to assets | 11.1079% | 2,531 |
| Core capital (leverage) ratio | 8.5601% | 5,204 |
| Tier 1 risk-based capital ratio | 11.2383% | 5,197 |
| Total risk-based capital ratio | 11.9115% | 5,421 |
| Memoranda: | ||
| Average total assets | $151,013,800 | 3,508 |
| Average earning assets | $134,360,400 | 3,584 |
| Average equity | $17,048,800 | 3,547 |
| Average total loans | $113,546,000 | 3,163 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4915% | 251 |
| Cost of funding earning assets | 0.9798% | 187 |
| Net interest margin | 4.5116% | 613 |
| Noninterest income to average assets | 0.6568% | 2,379 |
| Noninterest expense to average assets | 3.3783% | 1,388 |
| Loan and lease loss provision to assets | 0.2557% | 731 |
| Net operating income to assets | 1.0346% | 2,268 |
| Return on assets (ROA) | 1.0346% | 2,393 |
| Pretax return on assets | 1.0346% | 3,499 |
| Return on Equity (ROE) | 9.1243% | 2,433 |
| Retained earnings to average equity (ytd only) | 6.5999% | 1,846 |
| Net charge-offs to loans | 0.2149% | 1,079 |
| Credit loss provision to net charge-offs | 155.7377% | 1,731 |
| Earnings coverage of net charge-offs (x) | 7.8581% | 2,835 |
| Efficiency ratio | 72.3621% | 2,522 |
| Assets per employee ($millions) | 3.5188% | 4,749 |
| Cash dividends to net income (ytd only)* | 27.6669% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6723% | 5,483 |
| Loan loss allowance to noncurrent loans | 22.7519% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 2.7756% | 456 |
| Noncurrent loans to loans | 2.9548% | 516 |
| Net loans and leases to total assets | 69.7195% | 2,530 |
| Net loans and leases to deposits | 79.9480% | 2,971 |
| Net loans and leases to core deposits | 131.7811% | 275 |
| Total domestic deposits to total assets | 87.2061% | 1,799 |
| Equity capital to assets | 10.5150% | 3,547 |
| Core capital (leverage) ratio | 8.2884% | 5,508 |
| Tier 1 risk-based capital ratio | 10.7552% | 5,497 |
| Total risk-based capital ratio | 11.4041% | 5,693 |
| Memoranda: | ||
| Average total assets | $148,591,000 | 3,562 |
| Average earning assets | $132,129,000 | 3,635 |
| Average equity | $16,848,250 | 3,601 |
| Average total loans | $113,549,750 | 3,172 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6308% | 206 |
| Cost of funding earning assets | 0.9896% | 180 |
| Net interest margin | 4.6412% | 468 |
| Noninterest income to average assets | 0.5951% | 2,643 |
| Noninterest expense to average assets | 3.4748% | 1,211 |
| Loan and lease loss provision to assets | 0.1904% | 1,138 |
| Net operating income to assets | 1.0506% | 2,168 |
| Return on assets (ROA) | 1.0506% | 2,294 |
| Pretax return on assets | 1.0506% | 3,394 |
| Return on Equity (ROE) | 9.0061% | 2,489 |
| Retained earnings to average equity (ytd only) | 5.4762% | 2,436 |
| Net charge-offs to loans | 0.3039% | 780 |
| Credit loss provision to net charge-offs | 79.4118% | 2,373 |
| Earnings coverage of net charge-offs (x) | 5.1765% | 2,888 |
| Efficiency ratio | 73.6842% | 2,407 |
| Assets per employee ($millions) | 4.0426% | 3,825 |
| Cash dividends to net income (ytd only)* | 39.1946% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5582% | 5,740 |
| Loan loss allowance to noncurrent loans | 16.9622% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 3.2538% | 355 |
| Noncurrent loans to loans | 3.2908% | 421 |
| Net loans and leases to total assets | 74.5754% | 1,718 |
| Net loans and leases to deposits | 86.0645% | 2,250 |
| Net loans and leases to core deposits | 116.6126% | 622 |
| Total domestic deposits to total assets | 86.6506% | 2,086 |
| Equity capital to assets | 11.0312% | 3,026 |
| Core capital (leverage) ratio | 8.7946% | 5,063 |
| Tier 1 risk-based capital ratio | 10.0080% | 5,854 |
| Total risk-based capital ratio | 10.5229% | 5,970 |
| Memoranda: | ||
| Average total assets | $141,821,000 | 3,677 |
| Average earning assets | $125,914,670 | 3,762 |
| Average equity | $16,544,330 | 3,655 |
| Average total loans | $111,881,670 | 3,210 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8687% | 144 |
| Cost of funding earning assets | 0.9575% | 217 |
| Net interest margin | 4.9112% | 305 |
| Noninterest income to average assets | 0.6004% | 2,528 |
| Noninterest expense to average assets | 3.4862% | 1,206 |
| Loan and lease loss provision to assets | 0.2240% | 841 |
| Net operating income to assets | 1.2726% | 1,327 |
| Return on assets (ROA) | 1.2726% | 1,425 |
| Pretax return on assets | 1.2726% | 2,408 |
| Return on Equity (ROE) | 10.5704% | 1,758 |
| Retained earnings to average equity (ytd only) | 10.5704% | 724 |
| Net charge-offs to loans | 0.3569% | 626 |
| Credit loss provision to net charge-offs | 77.3196% | 1,855 |
| Earnings coverage of net charge-offs (x) | 5.1649% | 2,355 |
| Efficiency ratio | 69.9640% | 3,137 |
| Assets per employee ($millions) | 3.8149% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5881% | 5,761 |
| Loan loss allowance to noncurrent loans | 14.4825% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 3.7271% | 284 |
| Noncurrent loans to loans | 4.0607% | 297 |
| Net loans and leases to total assets | 78.4758% | 1,028 |
| Net loans and leases to deposits | 90.8513% | 1,478 |
| Net loans and leases to core deposits | 127.7903% | 307 |
| Total domestic deposits to total assets | 86.3783% | 2,505 |
| Equity capital to assets | 11.2619% | 2,665 |
| Core capital (leverage) ratio | 8.9394% | 4,930 |
| Tier 1 risk-based capital ratio | 10.2546% | 5,847 |
| Total risk-based capital ratio | 10.8401% | 5,974 |
| Memoranda: | ||
| Average total assets | $133,900,500 | 3,837 |
| Average earning assets | $119,482,000 | 3,922 |
| Average equity | $16,120,500 | 3,713 |
| Average total loans | $108,704,000 | 3,261 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0344% | 125 |
| Cost of funding earning assets | 0.9096% | 278 |
| Net interest margin | 5.1248% | 203 |
| Noninterest income to average assets | 0.6813% | 2,286 |
| Noninterest expense to average assets | 3.8908% | 771 |
| Loan and lease loss provision to assets | 0.1900% | 1,168 |
| Net operating income to assets | 1.1346% | 1,792 |
| Return on assets (ROA) | 1.3453% | 1,200 |
| Pretax return on assets | 1.3453% | 2,109 |
| Return on Equity (ROE) | 10.4349% | 1,832 |
| Retained earnings to average equity (ytd only) | 9.6982% | 506 |
| Net charge-offs to loans | 0.1750% | 1,640 |
| Credit loss provision to net charge-offs | 138.3648% | 1,893 |
| Earnings coverage of net charge-offs (x) | 9.6478% | 2,797 |
| Efficiency ratio | 74.6026% | 2,487 |
| Assets per employee ($millions) | 3.9624% | 4,008 |
| Cash dividends to net income (ytd only)* | 7.0603% | 4,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6749% | 5,684 |
| Loan loss allowance to noncurrent loans | 22.7198% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 3.0667% | 424 |
| Noncurrent loans to loans | 2.9707% | 546 |
| Net loans and leases to total assets | 83.2636% | 461 |
| Net loans and leases to deposits | 95.9131% | 1,019 |
| Net loans and leases to core deposits | 119.0460% | 502 |
| Total domestic deposits to total assets | 86.8115% | 2,231 |
| Equity capital to assets | 12.9565% | 1,375 |
| Core capital (leverage) ratio | 9.2923% | 4,488 |
| Tier 1 risk-based capital ratio | 11.4938% | 5,258 |
| Total risk-based capital ratio | 12.1959% | 5,459 |
| Memoranda: | ||
| Average total assets | $115,811,200 | 4,140 |
| Average earning assets | $102,462,000 | 4,227 |
| Average equity | $14,930,600 | 3,847 |
| Average total loans | $90,870,000 | 3,574 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9983% | 132 |
| Cost of funding earning assets | 0.8869% | 305 |
| Net interest margin | 5.1114% | 201 |
| Noninterest income to average assets | 0.7096% | 2,188 |
| Noninterest expense to average assets | 3.8436% | 799 |
| Loan and lease loss provision to assets | 0.2104% | 929 |
| Net operating income to assets | 1.1760% | 1,727 |
| Return on assets (ROA) | 1.4612% | 1,031 |
| Pretax return on assets | 1.4612% | 1,801 |
| Return on Equity (ROE) | 11.3496% | 1,586 |
| Retained earnings to average equity (ytd only) | 10.6050% | 536 |
| Net charge-offs to loans | 0.1366% | 1,768 |
| Credit loss provision to net charge-offs | 200.0000% | 1,330 |
| Earnings coverage of net charge-offs (x) | 13.1774% | 2,347 |
| Efficiency ratio | 73.4913% | 2,642 |
| Assets per employee ($millions) | 3.8545% | 4,168 |
| Cash dividends to net income (ytd only)* | 6.5599% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7286% | 5,665 |
| Loan loss allowance to noncurrent loans | 26.7356% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 2.7201% | 598 |
| Noncurrent loans to loans | 2.7254% | 697 |
| Net loans and leases to total assets | 77.5456% | 1,171 |
| Net loans and leases to deposits | 93.1540% | 1,287 |
| Net loans and leases to core deposits | 119.5931% | 484 |
| Total domestic deposits to total assets | 83.2445% | 3,718 |
| Equity capital to assets | 12.3113% | 1,866 |
| Core capital (leverage) ratio | 9.6740% | 4,067 |
| Tier 1 risk-based capital ratio | 10.8104% | 5,756 |
| Total risk-based capital ratio | 11.5158% | 5,903 |
| Memoranda: | ||
| Average total assets | $114,055,500 | 4,220 |
| Average earning assets | $100,870,750 | 4,311 |
| Average equity | $14,684,500 | 3,922 |
| Average total loans | $87,844,750 | 3,673 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0531% | 124 |
| Cost of funding earning assets | 0.8968% | 298 |
| Net interest margin | 5.1563% | 191 |
| Noninterest income to average assets | 0.7258% | 2,109 |
| Noninterest expense to average assets | 3.9389% | 730 |
| Loan and lease loss provision to assets | 0.2188% | 867 |
| Net operating income to assets | 1.1288% | 1,840 |
| Return on assets (ROA) | 1.5701% | 824 |
| Pretax return on assets | 1.5701% | 1,425 |
| Return on Equity (ROE) | 11.9922% | 1,374 |
| Retained earnings to average equity (ytd only) | 11.2262% | 478 |
| Net charge-offs to loans | 0.0833% | 2,213 |
| Credit loss provision to net charge-offs | 342.8571% | 845 |
| Earnings coverage of net charge-offs (x) | 21.1143% | 1,688 |
| Efficiency ratio | 74.5085% | 2,613 |
| Assets per employee ($millions) | 3.3312% | 5,106 |
| Cash dividends to net income (ytd only)* | 6.3879% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7773% | 5,649 |
| Loan loss allowance to noncurrent loans | 22.3988% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 3.5997% | 391 |
| Noncurrent loans to loans | 3.4704% | 508 |
| Net loans and leases to total assets | 81.0321% | 667 |
| Net loans and leases to deposits | 94.1322% | 1,139 |
| Net loans and leases to core deposits | 112.6071% | 720 |
| Total domestic deposits to total assets | 86.0833% | 2,654 |
| Equity capital to assets | 13.5087% | 1,167 |
| Core capital (leverage) ratio | 9.8497% | 3,805 |
| Tier 1 risk-based capital ratio | 12.2194% | 4,984 |
| Total risk-based capital ratio | 13.0379% | 5,196 |
| Memoranda: | ||
| Average total assets | $109,674,000 | 4,349 |
| Average earning assets | $97,008,000 | 4,444 |
| Average equity | $14,359,330 | 3,986 |
| Average total loans | $84,005,670 | 3,786 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9379% | 137 |
| Cost of funding earning assets | 0.8867% | 306 |
| Net interest margin | 5.0512% | 227 |
| Noninterest income to average assets | 0.7156% | 2,094 |
| Noninterest expense to average assets | 3.8339% | 842 |
| Loan and lease loss provision to assets | 0.2225% | 791 |
| Net operating income to assets | 1.1160% | 1,815 |
| Return on assets (ROA) | 1.1160% | 1,919 |
| Pretax return on assets | 1.1160% | 3,013 |
| Return on Equity (ROE) | 8.6687% | 2,617 |
| Retained earnings to average equity (ytd only) | 7.8911% | 1,608 |
| Net charge-offs to loans | 0.0903% | 1,818 |
| Credit loss provision to net charge-offs | 333.3333% | 749 |
| Earnings coverage of net charge-offs (x) | 20.0556% | 1,426 |
| Efficiency ratio | 74.1219% | 2,800 |
| Assets per employee ($millions) | 3.1806% | 5,442 |
| Cash dividends to net income (ytd only)* | 8.9701% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8137% | 5,664 |
| Loan loss allowance to noncurrent loans | 49.6694% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 2.0014% | 1,184 |
| Noncurrent loans to loans | 1.6383% | 1,704 |
| Net loans and leases to total assets | 74.0177% | 1,494 |
| Net loans and leases to deposits | 85.0086% | 1,949 |
| Net loans and leases to core deposits | 101.1651% | 1,243 |
| Total domestic deposits to total assets | 87.0708% | 2,335 |
| Equity capital to assets | 12.6237% | 1,616 |
| Core capital (leverage) ratio | 8.8544% | 5,133 |
| Tier 1 risk-based capital ratio | 11.6214% | 5,482 |
| Total risk-based capital ratio | 12.4752% | 5,615 |
| Memoranda: | ||
| Average total assets | $107,881,000 | 4,420 |
| Average earning assets | $95,185,500 | 4,528 |
| Average equity | $13,889,000 | 4,085 |
| Average total loans | $79,760,500 | 3,901 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4236% | 95 |
| Cost of funding earning assets | 0.8472% | 518 |
| Net interest margin | 5.5764% | 116 |
| Noninterest income to average assets | 0.7730% | 1,980 |
| Noninterest expense to average assets | 3.9319% | 823 |
| Loan and lease loss provision to assets | 0.1907% | 1,344 |
| Net operating income to assets | 1.5212% | 839 |
| Return on assets (ROA) | 1.5212% | 872 |
| Pretax return on assets | 1.5212% | 1,472 |
| Return on Equity (ROE) | 11.0621% | 1,708 |
| Retained earnings to average equity (ytd only) | 6.3855% | 1,718 |
| Net charge-offs to loans | 0.3661% | 1,189 |
| Credit loss provision to net charge-offs | 69.0299% | 3,099 |
| Earnings coverage of net charge-offs (x) | 6.1978% | 3,251 |
| Efficiency ratio | 69.6676% | 3,593 |
| Assets per employee ($millions) | 3.1648% | 5,483 |
| Cash dividends to net income (ytd only)* | 42.2764% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 5,694 |
| Loan loss allowance to noncurrent loans | 45.9753% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 2.1505% | 1,139 |
| Noncurrent loans to loans | 1.8039% | 1,592 |
| Net loans and leases to total assets | 72.5900% | 1,809 |
| Net loans and leases to deposits | 83.7713% | 2,242 |
| Net loans and leases to core deposits | 101.3827% | 1,286 |
| Total domestic deposits to total assets | 86.6526% | 2,484 |
| Equity capital to assets | 13.1415% | 1,298 |
| Core capital (leverage) ratio | 9.2624% | 4,585 |
| Tier 1 risk-based capital ratio | 11.2061% | 5,814 |
| Total risk-based capital ratio | 12.0020% | 5,943 |
| Memoranda: | ||
| Average total assets | $97,027,400 | 4,677 |
| Average earning assets | $84,749,600 | 4,767 |
| Average equity | $13,342,800 | 4,130 |
| Average total loans | $73,203,600 | 4,090 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5147% | 88 |
| Cost of funding earning assets | 0.8531% | 533 |
| Net interest margin | 5.6616% | 109 |
| Noninterest income to average assets | 0.7817% | 1,961 |
| Noninterest expense to average assets | 3.8553% | 904 |
| Loan and lease loss provision to assets | 0.1681% | 1,469 |
| Net operating income to assets | 1.6951% | 621 |
| Return on assets (ROA) | 1.6951% | 648 |
| Pretax return on assets | 1.6951% | 1,077 |
| Return on Equity (ROE) | 12.1783% | 1,432 |
| Retained earnings to average equity (ytd only) | 11.2423% | 479 |
| Net charge-offs to loans | 0.2984% | 1,326 |
| Credit loss provision to net charge-offs | 74.0741% | 2,690 |
| Earnings coverage of net charge-offs (x) | 8.2101% | 2,839 |
| Efficiency ratio | 67.4179% | 3,960 |
| Assets per employee ($millions) | 2.8470% | 5,914 |
| Cash dividends to net income (ytd only)* | 7.6862% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8653% | 5,700 |
| Loan loss allowance to noncurrent loans | 32.7511% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 2.6534% | 964 |
| Noncurrent loans to loans | 2.6419% | 1,087 |
| Net loans and leases to total assets | 77.6125% | 1,005 |
| Net loans and leases to deposits | 90.8362% | 1,345 |
| Net loans and leases to core deposits | 111.4061% | 687 |
| Total domestic deposits to total assets | 85.4423% | 3,135 |
| Equity capital to assets | 14.0127% | 1,000 |
| Core capital (leverage) ratio | 9.6474% | 4,158 |
| Tier 1 risk-based capital ratio | 11.6361% | 5,712 |
| Total risk-based capital ratio | 12.4907% | 5,840 |
| Memoranda: | ||
| Average total assets | $95,174,250 | 4,763 |
| Average earning assets | $82,989,500 | 4,871 |
| Average equity | $13,247,250 | 4,171 |
| Average total loans | $72,392,750 | 4,145 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4028% | 98 |
| Cost of funding earning assets | 0.8376% | 586 |
| Net interest margin | 5.5652% | 120 |
| Noninterest income to average assets | 0.7322% | 2,133 |
| Noninterest expense to average assets | 3.9089% | 845 |
| Loan and lease loss provision to assets | 0.2135% | 1,103 |
| Net operating income to assets | 1.4752% | 918 |
| Return on assets (ROA) | 1.4752% | 952 |
| Pretax return on assets | 1.4752% | 1,622 |
| Return on Equity (ROE) | 10.6237% | 1,885 |
| Retained earnings to average equity (ytd only) | 9.6705% | 803 |
| Net charge-offs to loans | 0.3715% | 1,099 |
| Credit loss provision to net charge-offs | 76.3359% | 2,373 |
| Earnings coverage of net charge-offs (x) | 6.0382% | 2,830 |
| Efficiency ratio | 69.8322% | 3,685 |
| Assets per employee ($millions) | 2.8453% | 5,968 |
| Cash dividends to net income (ytd only)* | 8.9725% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 5,770 |
| Loan loss allowance to noncurrent loans | 58.7832% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 1.2883% | 2,540 |
| Noncurrent loans to loans | 1.5028% | 2,316 |
| Net loans and leases to total assets | 77.2872% | 1,005 |
| Net loans and leases to deposits | 89.7659% | 1,395 |
| Net loans and leases to core deposits | 110.1305% | 693 |
| Total domestic deposits to total assets | 86.0986% | 2,996 |
| Equity capital to assets | 13.4967% | 1,157 |
| Core capital (leverage) ratio | 9.5231% | 4,296 |
| Tier 1 risk-based capital ratio | 11.0429% | 6,035 |
| Total risk-based capital ratio | 11.9133% | 6,141 |
| Memoranda: | ||
| Average total assets | $93,684,000 | 4,832 |
| Average earning assets | $81,901,670 | 4,939 |
| Average equity | $13,008,670 | 4,222 |
| Average total loans | $70,519,670 | 4,217 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2825% | 104 |
| Cost of funding earning assets | 0.8461% | 594 |
| Net interest margin | 5.4364% | 138 |
| Noninterest income to average assets | 0.6701% | 2,341 |
| Noninterest expense to average assets | 3.8619% | 913 |
| Loan and lease loss provision to assets | 0.2645% | 791 |
| Net operating income to assets | 1.2741% | 1,286 |
| Return on assets (ROA) | 1.2741% | 1,336 |
| Pretax return on assets | 1.2741% | 2,199 |
| Return on Equity (ROE) | 9.0365% | 2,444 |
| Retained earnings to average equity (ytd only) | 8.0985% | 1,559 |
| Net charge-offs to loans | 0.2091% | 1,495 |
| Credit loss provision to net charge-offs | 171.4286% | 1,153 |
| Earnings coverage of net charge-offs (x) | 9.9714% | 1,899 |
| Efficiency ratio | 71.5102% | 3,576 |
| Assets per employee ($millions) | 2.6638% | 6,237 |
| Cash dividends to net income (ytd only)* | 10.3806% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 5,266 |
| Loan loss allowance to noncurrent loans | 50.0337% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 1.6743% | 2,109 |
| Noncurrent loans to loans | 2.1297% | 1,723 |
| Net loans and leases to total assets | 73.8942% | 1,288 |
| Net loans and leases to deposits | 86.1486% | 1,592 |
| Net loans and leases to core deposits | 97.6721% | 1,260 |
| Total domestic deposits to total assets | 85.7753% | 3,482 |
| Equity capital to assets | 13.9212% | 943 |
| Core capital (leverage) ratio | 9.5775% | 4,168 |
| Tier 1 risk-based capital ratio | 11.3865% | 5,970 |
| Total risk-based capital ratio | 12.4004% | 6,048 |
| Memoranda: | ||
| Average total assets | $90,732,500 | 4,951 |
| Average earning assets | $78,949,000 | 5,052 |
| Average equity | $12,792,500 | 4,274 |
| Average total loans | $66,952,500 | 4,359 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7629% | 73 |
| Cost of funding earning assets | 0.9380% | 613 |
| Net interest margin | 5.8249% | 96 |
| Noninterest income to average assets | 0.8101% | 2,027 |
| Noninterest expense to average assets | 3.7430% | 1,229 |
| Loan and lease loss provision to assets | 0.2836% | 1,215 |
| Net operating income to assets | 1.8280% | 459 |
| Return on assets (ROA) | 1.8280% | 464 |
| Pretax return on assets | 1.8280% | 709 |
| Return on Equity (ROE) | 13.0190% | 1,164 |
| Retained earnings to average equity (ytd only) | 7.8935% | 1,094 |
| Net charge-offs to loans | 0.3332% | 2,007 |
| Credit loss provision to net charge-offs | 115.1376% | 2,098 |
| Earnings coverage of net charge-offs (x) | 8.5734% | 2,648 |
| Efficiency ratio | 63.9328% | 4,908 |
| Assets per employee ($millions) | 2.5209% | 6,388 |
| Cash dividends to net income (ytd only)* | 39.3696% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 5,068 |
| Loan loss allowance to noncurrent loans | 50.5999% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 1.6774% | 2,202 |
| Noncurrent loans to loans | 2.2048% | 1,769 |
| Net loans and leases to total assets | 72.0286% | 1,673 |
| Net loans and leases to deposits | 84.2610% | 1,897 |
| Net loans and leases to core deposits | 94.8623% | 1,534 |
| Total domestic deposits to total assets | 85.4828% | 3,516 |
| Equity capital to assets | 14.2872% | 830 |
| Core capital (leverage) ratio | 9.4238% | 4,379 |
| Tier 1 risk-based capital ratio | 11.6323% | 5,833 |
| Total risk-based capital ratio | 12.6653% | 5,892 |
| Memoranda: | ||
| Average total assets | $88,511,800 | 5,013 |
| Average earning assets | $76,653,400 | 5,126 |
| Average equity | $12,428,000 | 4,369 |
| Average total loans | $65,430,000 | 4,432 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8769% | 68 |
| Cost of funding earning assets | 0.9506% | 643 |
| Net interest margin | 5.9263% | 87 |
| Noninterest income to average assets | 0.7932% | 2,182 |
| Noninterest expense to average assets | 3.6064% | 1,385 |
| Loan and lease loss provision to assets | 0.3778% | 820 |
| Net operating income to assets | 1.9417% | 407 |
| Return on assets (ROA) | 1.9417% | 420 |
| Pretax return on assets | 1.9417% | 663 |
| Return on Equity (ROE) | 13.8891% | 1,016 |
| Retained earnings to average equity (ytd only) | 12.7909% | 351 |
| Net charge-offs to loans | 0.3124% | 1,979 |
| Credit loss provision to net charge-offs | 162.9870% | 1,455 |
| Earnings coverage of net charge-offs (x) | 10.0064% | 2,407 |
| Efficiency ratio | 60.8585% | 5,304 |
| Assets per employee ($millions) | 2.7253% | 6,246 |
| Cash dividends to net income (ytd only)* | 7.9072% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 4,922 |
| Loan loss allowance to noncurrent loans | 83.2623% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.1041% | 3,446 |
| Noncurrent loans to loans | 1.4262% | 3,030 |
| Net loans and leases to total assets | 72.2641% | 1,559 |
| Net loans and leases to deposits | 84.8511% | 1,760 |
| Net loans and leases to core deposits | 94.2526% | 1,549 |
| Total domestic deposits to total assets | 85.1658% | 3,652 |
| Equity capital to assets | 14.2905% | 878 |
| Core capital (leverage) ratio | 9.8777% | 3,852 |
| Tier 1 risk-based capital ratio | 12.2935% | 5,575 |
| Total risk-based capital ratio | 13.4529% | 5,584 |
| Memoranda: | ||
| Average total assets | $88,581,500 | 5,061 |
| Average earning assets | $76,718,750 | 5,176 |
| Average equity | $12,383,500 | 4,419 |
| Average total loans | $65,720,000 | 4,455 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8912% | 66 |
| Cost of funding earning assets | 0.9747% | 619 |
| Net interest margin | 5.9165% | 89 |
| Noninterest income to average assets | 0.7670% | 2,343 |
| Noninterest expense to average assets | 3.5788% | 1,450 |
| Loan and lease loss provision to assets | 0.4334% | 685 |
| Net operating income to assets | 1.8790% | 442 |
| Return on assets (ROA) | 1.8790% | 476 |
| Pretax return on assets | 1.8790% | 776 |
| Return on Equity (ROE) | 13.5434% | 1,118 |
| Retained earnings to average equity (ytd only) | 12.4312% | 435 |
| Net charge-offs to loans | 0.2131% | 2,489 |
| Credit loss provision to net charge-offs | 272.8571% | 926 |
| Earnings coverage of net charge-offs (x) | 14.5571% | 1,819 |
| Efficiency ratio | 60.7473% | 5,372 |
| Assets per employee ($millions) | 2.6595% | 6,339 |
| Cash dividends to net income (ytd only)* | 8.2126% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 5,128 |
| Loan loss allowance to noncurrent loans | 53.1704% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 1.7365% | 2,510 |
| Noncurrent loans to loans | 2.2080% | 2,167 |
| Net loans and leases to total assets | 77.2096% | 840 |
| Net loans and leases to deposits | 90.3422% | 1,111 |
| Net loans and leases to core deposits | 102.8707% | 890 |
| Total domestic deposits to total assets | 85.4635% | 3,661 |
| Equity capital to assets | 14.1275% | 929 |
| Core capital (leverage) ratio | 9.2948% | 4,546 |
| Tier 1 risk-based capital ratio | 11.3167% | 6,193 |
| Total risk-based capital ratio | 12.4768% | 6,200 |
| Memoranda: | ||
| Average total assets | $88,130,670 | 5,102 |
| Average earning assets | $76,329,330 | 5,219 |
| Average equity | $12,227,330 | 4,481 |
| Average total loans | $65,703,000 | 4,477 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9915% | 64 |
| Cost of funding earning assets | 0.9831% | 672 |
| Net interest margin | 6.0084% | 76 |
| Noninterest income to average assets | 0.7247% | 2,456 |
| Noninterest expense to average assets | 3.4604% | 1,702 |
| Loan and lease loss provision to assets | 0.5933% | 430 |
| Net operating income to assets | 1.8751% | 422 |
| Return on assets (ROA) | 1.8751% | 460 |
| Pretax return on assets | 1.8751% | 768 |
| Return on Equity (ROE) | 13.6392% | 1,026 |
| Retained earnings to average equity (ytd only) | 12.5849% | 611 |
| Net charge-offs to loans | 0.0436% | 3,422 |
| Credit loss provision to net charge-offs | 1,871.4286% | 179 |
| Earnings coverage of net charge-offs (x) | 77.8571% | 480 |
| Efficiency ratio | 58.3652% | 5,803 |
| Assets per employee ($millions) | 3.0227% | 5,946 |
| Cash dividends to net income (ytd only)* | 7.7295% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 5,110 |
| Loan loss allowance to noncurrent loans | 50.7219% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 1.7567% | 2,657 |
| Noncurrent loans to loans | 2.3977% | 2,164 |
| Net loans and leases to total assets | 72.3746% | 1,298 |
| Net loans and leases to deposits | 84.0656% | 1,588 |
| Net loans and leases to core deposits | 92.4028% | 1,463 |
| Total domestic deposits to total assets | 86.0930% | 3,479 |
| Equity capital to assets | 13.5817% | 1,183 |
| Core capital (leverage) ratio | 8.7635% | 5,244 |
| Tier 1 risk-based capital ratio | 11.0207% | 6,398 |
| Total risk-based capital ratio | 12.2120% | 6,390 |
| Memoranda: | ||
| Average total assets | $88,313,500 | 5,146 |
| Average earning assets | $76,492,500 | 5,253 |
| Average equity | $12,141,500 | 4,550 |
| Average total loans | $64,270,500 | 4,554 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0775% | 72 |
| Cost of funding earning assets | 1.1013% | 902 |
| Net interest margin | 5.9762% | 87 |
| Noninterest income to average assets | 0.8251% | 2,157 |
| Noninterest expense to average assets | 3.7871% | 1,277 |
| Loan and lease loss provision to assets | 0.3176% | 2,152 |
| Net operating income to assets | 1.7986% | 510 |
| Return on assets (ROA) | 2.1637% | 300 |
| Pretax return on assets | 2.1637% | 443 |
| Return on Equity (ROE) | 15.2917% | 762 |
| Retained earnings to average equity (ytd only) | 9.6928% | 661 |
| Net charge-offs to loans | 0.2706% | 3,313 |
| Credit loss provision to net charge-offs | 164.1509% | 1,636 |
| Earnings coverage of net charge-offs (x) | 10.9371% | 2,088 |
| Efficiency ratio | 64.1517% | 4,855 |
| Assets per employee ($millions) | 2.8649% | 6,218 |
| Cash dividends to net income (ytd only)* | 36.6142% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 5,544 |
| Loan loss allowance to noncurrent loans | 48.3392% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 1.6580% | 2,912 |
| Noncurrent loans to loans | 2.2785% | 2,376 |
| Net loans and leases to total assets | 71.4623% | 1,580 |
| Net loans and leases to deposits | 83.1886% | 1,855 |
| Net loans and leases to core deposits | 94.0812% | 1,458 |
| Total domestic deposits to total assets | 85.9039% | 3,399 |
| Equity capital to assets | 13.9239% | 1,082 |
| Core capital (leverage) ratio | 8.8397% | 5,116 |
| Tier 1 risk-based capital ratio | 10.8077% | 6,423 |
| Total risk-based capital ratio | 11.8499% | 6,482 |
| Memoranda: | ||
| Average total assets | $82,174,600 | 5,298 |
| Average earning assets | $69,826,600 | 5,438 |
| Average equity | $11,627,200 | 4,646 |
| Average total loans | $58,758,400 | 4,761 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2148% | 73 |
| Cost of funding earning assets | 1.1262% | 957 |
| Net interest margin | 6.0886% | 82 |
| Noninterest income to average assets | 0.8075% | 2,206 |
| Noninterest expense to average assets | 3.7702% | 1,263 |
| Loan and lease loss provision to assets | 0.3299% | 1,987 |
| Net operating income to assets | 1.8810% | 474 |
| Return on assets (ROA) | 2.3734% | 235 |
| Pretax return on assets | 2.3734% | 358 |
| Return on Equity (ROE) | 16.7034% | 640 |
| Retained earnings to average equity (ytd only) | 15.3866% | 216 |
| Net charge-offs to loans | 0.3084% | 2,902 |
| Credit loss provision to net charge-offs | 150.0000% | 1,877 |
| Earnings coverage of net charge-offs (x) | 10.0524% | 2,232 |
| Efficiency ratio | 63.0351% | 4,972 |
| Assets per employee ($millions) | 2.8934% | 6,228 |
| Cash dividends to net income (ytd only)* | 7.8840% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 5,773 |
| Loan loss allowance to noncurrent loans | 106.3934% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 4,866 |
| Noncurrent loans to loans | 1.0216% | 4,407 |
| Net loans and leases to total assets | 70.3846% | 1,833 |
| Net loans and leases to deposits | 82.8503% | 2,012 |
| Net loans and leases to core deposits | 92.3851% | 1,740 |
| Total domestic deposits to total assets | 84.9539% | 3,764 |
| Equity capital to assets | 14.5133% | 966 |
| Core capital (leverage) ratio | 9.3015% | 4,583 |
| Tier 1 risk-based capital ratio | 11.7981% | 6,059 |
| Total risk-based capital ratio | 12.8471% | 6,146 |
| Memoranda: | ||
| Average total assets | $81,231,750 | 5,375 |
| Average earning assets | $69,023,250 | 5,528 |
| Average equity | $11,542,250 | 4,708 |
| Average total loans | $57,922,250 | 4,840 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3157% | 69 |
| Cost of funding earning assets | 1.1513% | 1,020 |
| Net interest margin | 6.1645% | 82 |
| Noninterest income to average assets | 0.7941% | 2,210 |
| Noninterest expense to average assets | 3.8188% | 1,183 |
| Loan and lease loss provision to assets | 0.3510% | 1,873 |
| Net operating income to assets | 1.8497% | 511 |
| Return on assets (ROA) | 2.5965% | 167 |
| Pretax return on assets | 2.5965% | 261 |
| Return on Equity (ROE) | 18.4108% | 466 |
| Retained earnings to average equity (ytd only) | 17.0869% | 178 |
| Net charge-offs to loans | 0.1954% | 3,414 |
| Credit loss provision to net charge-offs | 251.7857% | 1,141 |
| Earnings coverage of net charge-offs (x) | 15.7857% | 1,629 |
| Efficiency ratio | 63.4409% | 4,998 |
| Assets per employee ($millions) | 2.9004% | 6,236 |
| Cash dividends to net income (ytd only)* | 7.1908% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 5,868 |
| Loan loss allowance to noncurrent loans | 79.7847% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.0787% | 4,225 |
| Noncurrent loans to loans | 1.3518% | 3,898 |
| Net loans and leases to total assets | 75.3275% | 1,059 |
| Net loans and leases to deposits | 88.4927% | 1,324 |
| Net loans and leases to core deposits | 100.2359% | 1,084 |
| Total domestic deposits to total assets | 85.1229% | 3,805 |
| Equity capital to assets | 14.4634% | 926 |
| Core capital (leverage) ratio | 9.0036% | 4,913 |
| Tier 1 risk-based capital ratio | 10.8772% | 6,554 |
| Total risk-based capital ratio | 11.9235% | 6,613 |
| Memoranda: | ||
| Average total assets | $80,339,330 | 5,426 |
| Average earning assets | $68,099,670 | 5,586 |
| Average equity | $11,330,330 | 4,745 |
| Average total loans | $57,327,000 | 4,900 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5203% | 66 |
| Cost of funding earning assets | 1.1880% | 1,041 |
| Net interest margin | 6.3323% | 77 |
| Noninterest income to average assets | 0.8761% | 1,845 |
| Noninterest expense to average assets | 3.6694% | 1,427 |
| Loan and lease loss provision to assets | 0.4055% | 1,558 |
| Net operating income to assets | 2.1376% | 326 |
| Return on assets (ROA) | 3.6394% | 85 |
| Pretax return on assets | 3.6394% | 112 |
| Return on Equity (ROE) | 26.1452% | 157 |
| Retained earnings to average equity (ytd only) | 24.7426% | 97 |
| Net charge-offs to loans | 0.1453% | 3,227 |
| Credit loss provision to net charge-offs | 405.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 25.4000% | 1,029 |
| Efficiency ratio | 59.0653% | 5,762 |
| Assets per employee ($millions) | 2.9203% | 6,303 |
| Cash dividends to net income (ytd only)* | 5.3645% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 5,718 |
| Loan loss allowance to noncurrent loans | 47.5592% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 1.7024% | 3,305 |
| Noncurrent loans to loans | 2.4160% | 2,688 |
| Net loans and leases to total assets | 67.6520% | 2,176 |
| Net loans and leases to deposits | 78.8474% | 2,360 |
| Net loans and leases to core deposits | 87.7978% | 2,072 |
| Total domestic deposits to total assets | 85.8011% | 3,638 |
| Equity capital to assets | 13.9396% | 1,047 |
| Core capital (leverage) ratio | 8.6714% | 5,348 |
| Tier 1 risk-based capital ratio | 11.2817% | 6,399 |
| Total risk-based capital ratio | 12.3716% | 6,469 |
| Memoranda: | ||
| Average total assets | $79,903,000 | 5,477 |
| Average earning assets | $67,337,500 | 5,646 |
| Average equity | $11,122,500 | 4,796 |
| Average total loans | $55,069,500 | 5,020 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4767% | 70 |
| Cost of funding earning assets | 1.3668% | 1,176 |
| Net interest margin | 6.1099% | 82 |
| Noninterest income to average assets | 0.7957% | 2,086 |
| Noninterest expense to average assets | 4.2001% | 808 |
| Loan and lease loss provision to assets | 0.1936% | 4,246 |
| Net operating income to assets | 1.4272% | 974 |
| Return on assets (ROA) | 1.5407% | 825 |
| Pretax return on assets | 1.5407% | 1,362 |
| Return on Equity (ROE) | 11.0772% | 1,672 |
| Retained earnings to average equity (ytd only) | 6.6233% | 1,680 |
| Net charge-offs to loans | 0.4432% | 3,217 |
| Credit loss provision to net charge-offs | 63.3188% | 5,076 |
| Earnings coverage of net charge-offs (x) | 5.3013% | 2,835 |
| Efficiency ratio | 72.1560% | 3,540 |
| Assets per employee ($millions) | 2.7871% | 6,474 |
| Cash dividends to net income (ytd only)* | 40.2080% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 5,908 |
| Loan loss allowance to noncurrent loans | 65.3933% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.4096% | 3,875 |
| Noncurrent loans to loans | 1.6427% | 3,702 |
| Net loans and leases to total assets | 68.6798% | 2,271 |
| Net loans and leases to deposits | 79.9359% | 2,535 |
| Net loans and leases to core deposits | 89.4670% | 2,200 |
| Total domestic deposits to total assets | 85.9186% | 3,365 |
| Equity capital to assets | 13.8995% | 1,102 |
| Core capital (leverage) ratio | 8.1000% | 6,141 |
| Tier 1 risk-based capital ratio | 9.7033% | 6,918 |
| Total risk-based capital ratio | 10.6499% | 6,973 |
| Memoranda: | ||
| Average total assets | $74,902,200 | 5,611 |
| Average earning assets | $61,605,000 | 5,816 |
| Average equity | $10,417,800 | 4,921 |
| Average total loans | $51,672,400 | 5,206 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5524% | 69 |
| Cost of funding earning assets | 1.3943% | 1,254 |
| Net interest margin | 6.1582% | 78 |
| Noninterest income to average assets | 0.7735% | 2,177 |
| Noninterest expense to average assets | 4.1051% | 894 |
| Loan and lease loss provision to assets | 0.2069% | 3,949 |
| Net operating income to assets | 1.4751% | 998 |
| Return on assets (ROA) | 1.5344% | 945 |
| Pretax return on assets | 1.5344% | 1,565 |
| Return on Equity (ROE) | 11.0305% | 1,851 |
| Retained earnings to average equity (ytd only) | 9.4400% | 1,000 |
| Net charge-offs to loans | 0.3552% | 3,316 |
| Credit loss provision to net charge-offs | 84.5588% | 3,978 |
| Earnings coverage of net charge-offs (x) | 6.8750% | 2,463 |
| Efficiency ratio | 70.9357% | 3,755 |
| Assets per employee ($millions) | 2.7843% | 6,514 |
| Cash dividends to net income (ytd only)* | 14.4201% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 5,376 |
| Loan loss allowance to noncurrent loans | 46.6715% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 2.2152% | 2,877 |
| Noncurrent loans to loans | 2.6216% | 2,650 |
| Net loans and leases to total assets | 66.7898% | 2,717 |
| Net loans and leases to deposits | 78.0941% | 2,964 |
| Net loans and leases to core deposits | 87.8300% | 2,516 |
| Total domestic deposits to total assets | 85.5248% | 3,476 |
| Equity capital to assets | 13.9839% | 1,159 |
| Core capital (leverage) ratio | 8.2371% | 6,078 |
| Tier 1 risk-based capital ratio | 10.0383% | 6,942 |
| Total risk-based capital ratio | 11.1159% | 6,976 |
| Memoranda: | ||
| Average total assets | $74,118,000 | 5,677 |
| Average earning assets | $60,341,000 | 5,896 |
| Average equity | $10,310,500 | 4,959 |
| Average total loans | $51,045,750 | 5,273 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7823% | 61 |
| Cost of funding earning assets | 1.4060% | 1,394 |
| Net interest margin | 6.3763% | 73 |
| Noninterest income to average assets | 0.7881% | 2,080 |
| Noninterest expense to average assets | 4.0639% | 953 |
| Loan and lease loss provision to assets | 0.1922% | 4,002 |
| Net operating income to assets | 1.6750% | 629 |
| Return on assets (ROA) | 1.7628% | 579 |
| Pretax return on assets | 1.7628% | 944 |
| Return on Equity (ROE) | 12.6961% | 1,277 |
| Retained earnings to average equity (ytd only) | 11.0745% | 654 |
| Net charge-offs to loans | 0.3288% | 3,244 |
| Credit loss provision to net charge-offs | 84.3373% | 3,638 |
| Earnings coverage of net charge-offs (x) | 8.1928% | 2,101 |
| Efficiency ratio | 68.5185% | 4,418 |
| Assets per employee ($millions) | 2.8141% | 6,451 |
| Cash dividends to net income (ytd only)* | 12.7726% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 5,484 |
| Loan loss allowance to noncurrent loans | 64.4620% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.8044% | 3,501 |
| Noncurrent loans to loans | 1.8864% | 3,624 |
| Net loans and leases to total assets | 69.8165% | 2,257 |
| Net loans and leases to deposits | 81.4607% | 2,527 |
| Net loans and leases to core deposits | 91.8628% | 2,153 |
| Total domestic deposits to total assets | 85.7058% | 3,491 |
| Equity capital to assets | 13.9046% | 1,131 |
| Core capital (leverage) ratio | 8.0581% | 6,223 |
| Tier 1 risk-based capital ratio | 10.0026% | 6,970 |
| Total risk-based capital ratio | 11.1212% | 7,015 |
| Memoranda: | ||
| Average total assets | $72,837,000 | 5,757 |
| Average earning assets | $58,748,670 | 5,997 |
| Average equity | $10,113,330 | 5,020 |
| Average total loans | $50,489,330 | 5,334 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8136% | 65 |
| Cost of funding earning assets | 1.4123% | 1,551 |
| Net interest margin | 6.4014% | 74 |
| Noninterest income to average assets | 0.7241% | 2,422 |
| Noninterest expense to average assets | 3.9964% | 1,039 |
| Loan and lease loss provision to assets | 0.2526% | 3,133 |
| Net operating income to assets | 1.5379% | 804 |
| Return on assets (ROA) | 1.5379% | 844 |
| Pretax return on assets | 1.5379% | 1,334 |
| Return on Equity (ROE) | 11.0847% | 1,711 |
| Retained earnings to average equity (ytd only) | 9.4665% | 1,243 |
| Net charge-offs to loans | 0.3519% | 2,657 |
| Credit loss provision to net charge-offs | 104.6512% | 2,543 |
| Earnings coverage of net charge-offs (x) | 7.4186% | 1,949 |
| Efficiency ratio | 69.0592% | 4,463 |
| Assets per employee ($millions) | 2.8019% | 6,530 |
| Cash dividends to net income (ytd only)* | 14.5985% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 5,047 |
| Loan loss allowance to noncurrent loans | 40.9816% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 2.6609% | 2,583 |
| Noncurrent loans to loans | 3.2138% | 2,335 |
| Net loans and leases to total assets | 66.1613% | 2,969 |
| Net loans and leases to deposits | 76.5868% | 3,319 |
| Net loans and leases to core deposits | 85.5763% | 2,943 |
| Total domestic deposits to total assets | 86.3873% | 3,295 |
| Equity capital to assets | 13.3417% | 1,244 |
| Core capital (leverage) ratio | 8.4710% | 5,511 |
| Tier 1 risk-based capital ratio | 10.0180% | 6,998 |
| Total risk-based capital ratio | 11.2321% | 7,008 |
| Memoranda: | ||
| Average total assets | $71,264,500 | 5,839 |
| Average earning assets | $56,363,000 | 6,119 |
| Average equity | $9,887,500 | 5,070 |
| Average total loans | $48,883,500 | 5,446 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8357% | 63 |
| Cost of funding earning assets | 1.5184% | 2,540 |
| Net interest margin | 6.3173% | 77 |
| Noninterest income to average assets | 0.7614% | 2,477 |
| Noninterest expense to average assets | 4.2063% | 897 |
| Loan and lease loss provision to assets | 0.2703% | 4,642 |
| Net operating income to assets | 1.4266% | 892 |
| Return on assets (ROA) | 1.6669% | 595 |
| Pretax return on assets | 1.6669% | 1,005 |
| Return on Equity (ROE) | 11.4068% | 1,478 |
| Retained earnings to average equity (ytd only) | 6.4742% | 1,567 |
| Net charge-offs to loans | 0.1369% | 5,548 |
| Credit loss provision to net charge-offs | 285.7143% | 949 |
| Earnings coverage of net charge-offs (x) | 17.9365% | 1,125 |
| Efficiency ratio | 71.2541% | 3,942 |
| Assets per employee ($millions) | 2.4770% | 7,041 |
| Cash dividends to net income (ytd only)* | 43.2432% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 4,447 |
| Loan loss allowance to noncurrent loans | 64.9123% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 2.1068% | 3,209 |
| Noncurrent loans to loans | 2.1808% | 3,335 |
| Net loans and leases to total assets | 69.3521% | 2,700 |
| Net loans and leases to deposits | 81.2607% | 2,942 |
| Net loans and leases to core deposits | 89.0626% | 2,887 |
| Total domestic deposits to total assets | 85.3452% | 3,695 |
| Equity capital to assets | 14.4769% | 907 |
| Core capital (leverage) ratio | 8.3916% | 5,552 |
| Tier 1 risk-based capital ratio | 9.9651% | 6,997 |
| Total risk-based capital ratio | 11.2225% | 6,979 |
| Memoranda: | ||
| Average total assets | $66,590,800 | 5,977 |
| Average earning assets | $54,200,600 | 6,211 |
| Average equity | $9,731,000 | 5,201 |
| Average total loans | $46,015,600 | 5,645 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8140% | 65 |
| Cost of funding earning assets | 1.5216% | 2,832 |
| Net interest margin | 6.2925% | 77 |
| Noninterest income to average assets | 0.7496% | 2,506 |
| Noninterest expense to average assets | 4.0589% | 977 |
| Loan and lease loss provision to assets | 0.2706% | 4,420 |
| Net operating income to assets | 1.5594% | 809 |
| Return on assets (ROA) | 1.8801% | 472 |
| Pretax return on assets | 1.8801% | 797 |
| Return on Equity (ROE) | 12.8360% | 1,300 |
| Retained earnings to average equity (ytd only) | 11.0022% | 607 |
| Net charge-offs to loans | 0.1020% | 5,509 |
| Credit loss provision to net charge-offs | 385.7143% | 805 |
| Earnings coverage of net charge-offs (x) | 26.0831% | 974 |
| Efficiency ratio | 68.9244% | 4,282 |
| Assets per employee ($millions) | 2.4813% | 7,101 |
| Cash dividends to net income (ytd only)* | 14.2855% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 4,578 |
| Loan loss allowance to noncurrent loans | 39.2145% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 2.5196% | 2,848 |
| Noncurrent loans to loans | 3.5166% | 2,243 |
| Net loans and leases to total assets | 69.2808% | 2,906 |
| Net loans and leases to deposits | 82.2549% | 3,054 |
| Net loans and leases to core deposits | 82.2549% | 4,210 |
| Total domestic deposits to total assets | 84.2269% | 3,989 |
| Equity capital to assets | 15.2715% | 832 |
| Core capital (leverage) ratio | 8.4550% | 5,591 |
| Tier 1 risk-based capital ratio | 9.8034% | 7,157 |
| Total risk-based capital ratio | 10.9706% | 7,172 |
| Memoranda: | ||
| Average total assets | $66,518,750 | 6,046 |
| Average earning assets | $54,328,250 | 6,269 |
| Average equity | $9,743,250 | 5,270 |
| Average total loans | $45,757,500 | 5,751 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6880% | 79 |
| Cost of funding earning assets | 1.4628% | 3,475 |
| Net interest margin | 6.2252% | 82 |
| Noninterest income to average assets | 0.7233% | 2,558 |
| Noninterest expense to average assets | 3.9723% | 1,077 |
| Loan and lease loss provision to assets | 0.2712% | 4,223 |
| Net operating income to assets | 1.5973% | 730 |
| Return on assets (ROA) | 2.0102% | 357 |
| Pretax return on assets | 2.0102% | 593 |
| Return on Equity (ROE) | 13.9239% | 1,056 |
| Retained earnings to average equity (ytd only) | 12.0868% | 475 |
| Net charge-offs to loans | 0.1147% | 5,030 |
| Credit loss provision to net charge-offs | 346.1538% | 1,055 |
| Earnings coverage of net charge-offs (x) | 23.8462% | 1,095 |
| Efficiency ratio | 68.0083% | 4,577 |
| Assets per employee ($millions) | 2.4361% | 7,182 |
| Cash dividends to net income (ytd only)* | 13.1934% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 5,158 |
| Loan loss allowance to noncurrent loans | 37.1740% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 2.4659% | 2,914 |
| Noncurrent loans to loans | 3.3737% | 2,370 |
| Net loans and leases to total assets | 70.7594% | 2,725 |
| Net loans and leases to deposits | 84.1895% | 2,841 |
| Net loans and leases to core deposits | 84.1895% | 4,118 |
| Total domestic deposits to total assets | 84.0478% | 4,085 |
| Equity capital to assets | 14.4554% | 1,028 |
| Core capital (leverage) ratio | 7.6706% | 6,646 |
| Tier 1 risk-based capital ratio | 9.2471% | 7,358 |
| Total risk-based capital ratio | 10.3315% | 7,403 |
| Memoranda: | ||
| Average total assets | $66,360,330 | 6,093 |
| Average earning assets | $54,552,330 | 6,305 |
| Average equity | $9,580,670 | 5,321 |
| Average total loans | $45,322,330 | 5,803 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6682% | 90 |
| Cost of funding earning assets | 1.4755% | 3,713 |
| Net interest margin | 6.1927% | 90 |
| Noninterest income to average assets | 0.6724% | 2,796 |
| Noninterest expense to average assets | 3.9978% | 1,033 |
| Loan and lease loss provision to assets | 0.2751% | 3,823 |
| Net operating income to assets | 1.4793% | 924 |
| Return on assets (ROA) | 1.8767% | 465 |
| Pretax return on assets | 1.8767% | 766 |
| Return on Equity (ROE) | 13.0071% | 1,252 |
| Retained earnings to average equity (ytd only) | 11.1429% | 888 |
| Net charge-offs to loans | 0.1010% | 4,407 |
| Credit loss provision to net charge-offs | 409.0909% | 1,005 |
| Earnings coverage of net charge-offs (x) | 26.0909% | 968 |
| Efficiency ratio | 69.5005% | 4,409 |
| Assets per employee ($millions) | 2.2121% | 7,533 |
| Cash dividends to net income (ytd only)* | 14.3322% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 4,927 |
| Loan loss allowance to noncurrent loans | 32.2099% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 2.7771% | 2,620 |
| Noncurrent loans to loans | 4.0418% | 1,930 |
| Net loans and leases to total assets | 66.6009% | 3,726 |
| Net loans and leases to deposits | 79.0637% | 3,828 |
| Net loans and leases to core deposits | 79.0637% | 4,884 |
| Total domestic deposits to total assets | 84.2369% | 4,026 |
| Equity capital to assets | 14.3527% | 1,051 |
| Core capital (leverage) ratio | 8.2231% | 5,876 |
| Tier 1 risk-based capital ratio | 9.4044% | 7,351 |
| Total risk-based capital ratio | 10.5209% | 7,401 |
| Memoranda: | ||
| Average total assets | $65,435,500 | 6,191 |
| Average earning assets | $53,676,500 | 6,403 |
| Average equity | $9,441,000 | 5,412 |
| Average total loans | $43,544,500 | 5,959 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0551% | 78 |
| Cost of funding earning assets | 1.7245% | 4,380 |
| Net interest margin | 6.3306% | 88 |
| Noninterest income to average assets | 0.7980% | 2,412 |
| Noninterest expense to average assets | 4.3449% | 938 |
| Loan and lease loss provision to assets | 0.2986% | 5,045 |
| Net operating income to assets | 1.2641% | 1,103 |
| Return on assets (ROA) | 1.5030% | 718 |
| Pretax return on assets | 1.5030% | 1,179 |
| Return on Equity (ROE) | 9.4867% | 1,859 |
| Retained earnings to average equity (ytd only) | 0.7749% | 4,469 |
| Net charge-offs to loans | 0.2522% | 5,045 |
| Credit loss provision to net charge-offs | 180.0000% | 2,309 |
| Earnings coverage of net charge-offs (x) | 9.4200% | 1,801 |
| Efficiency ratio | 73.5468% | 3,985 |
| Assets per employee ($millions) | 2.3891% | 7,366 |
| Cash dividends to net income (ytd only)* | 91.8322% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 4,783 |
| Loan loss allowance to noncurrent loans | 35.3737% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 2.4571% | 2,833 |
| Noncurrent loans to loans | 3.6684% | 2,050 |
| Net loans and leases to total assets | 64.7341% | 4,435 |
| Net loans and leases to deposits | 79.1216% | 4,153 |
| Net loans and leases to core deposits | 119.2234% | 2,009 |
| Total domestic deposits to total assets | 81.8159% | 5,026 |
| Equity capital to assets | 14.5054% | 1,021 |
| Core capital (leverage) ratio | 7.7809% | 6,476 |
| Tier 1 risk-based capital ratio | 9.7232% | 7,081 |
| Total risk-based capital ratio | 10.8719% | 7,122 |
| Memoranda: | ||
| Average total assets | $60,278,000 | 6,340 |
| Average earning assets | $48,652,600 | 6,574 |
| Average equity | $9,550,200 | 5,430 |
| Average total loans | $39,654,200 | 6,130 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2044% | 72 |
| Cost of funding earning assets | 1.7633% | 4,570 |
| Net interest margin | 6.4411% | 77 |
| Noninterest income to average assets | 0.8150% | 2,359 |
| Noninterest expense to average assets | 4.2979% | 918 |
| Loan and lease loss provision to assets | 0.3039% | 4,541 |
| Net operating income to assets | 1.4026% | 1,025 |
| Return on assets (ROA) | 1.9475% | 350 |
| Pretax return on assets | 1.9475% | 594 |
| Return on Equity (ROE) | 12.0154% | 1,346 |
| Retained earnings to average equity (ytd only) | 10.1541% | 612 |
| Net charge-offs to loans | 0.3180% | 4,050 |
| Credit loss provision to net charge-offs | 145.1613% | 3,350 |
| Earnings coverage of net charge-offs (x) | 8.1503% | 2,297 |
| Efficiency ratio | 71.5786% | 4,318 |
| Assets per employee ($millions) | 2.2531% | 7,557 |
| Cash dividends to net income (ytd only)* | 15.4912% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 5,216 |
| Loan loss allowance to noncurrent loans | 42.5479% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 2.0781% | 3,238 |
| Noncurrent loans to loans | 2.7766% | 2,736 |
| Net loans and leases to total assets | 67.7541% | 4,009 |
| Net loans and leases to deposits | 84.8348% | 3,517 |
| Net loans and leases to core deposits | 126.7315% | 1,685 |
| Total domestic deposits to total assets | 79.8659% | 5,487 |
| Equity capital to assets | 16.0556% | 782 |
| Core capital (leverage) ratio | 9.2484% | 4,264 |
| Tier 1 risk-based capital ratio | 10.5958% | 6,349 |
| Total risk-based capital ratio | 11.6164% | 6,545 |
| Memoranda: | ||
| Average total assets | $59,220,750 | 6,413 |
| Average earning assets | $47,713,000 | 6,661 |
| Average equity | $9,598,500 | 5,460 |
| Average total loans | $38,991,000 | 6,199 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1493% | 83 |
| Cost of funding earning assets | 1.8330% | 4,593 |
| Net interest margin | 6.3164% | 82 |
| Noninterest income to average assets | 0.8355% | 2,244 |
| Noninterest expense to average assets | 4.2843% | 965 |
| Loan and lease loss provision to assets | 0.3107% | 4,086 |
| Net operating income to assets | 1.3084% | 1,210 |
| Return on assets (ROA) | 1.9920% | 335 |
| Pretax return on assets | 1.9920% | 582 |
| Return on Equity (ROE) | 12.2484% | 1,348 |
| Retained earnings to average equity (ytd only) | 10.3591% | 659 |
| Net charge-offs to loans | -0.1544% | 8,005 |
| Credit loss provision to net charge-offs | -310.3448% | 7,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5731% | 4,283 |
| Assets per employee ($millions) | 2.1526% | 7,724 |
| Cash dividends to net income (ytd only)* | 15.4246% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 3,809 |
| Loan loss allowance to noncurrent loans | 36.5217% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 2.8537% | 2,245 |
| Noncurrent loans to loans | 3.7939% | 1,805 |
| Net loans and leases to total assets | 69.4308% | 3,841 |
| Net loans and leases to deposits | 86.9750% | 3,362 |
| Net loans and leases to core deposits | 124.6070% | 1,973 |
| Total domestic deposits to total assets | 79.8284% | 5,532 |
| Equity capital to assets | 15.9823% | 826 |
| Core capital (leverage) ratio | 8.3919% | 5,632 |
| Tier 1 risk-based capital ratio | 10.4924% | 6,384 |
| Total risk-based capital ratio | 11.7109% | 6,359 |
| Memoranda: | ||
| Average total assets | $57,932,000 | 6,514 |
| Average earning assets | $46,482,330 | 6,773 |
| Average equity | $9,421,670 | 5,541 |
| Average total loans | $37,569,670 | 6,316 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8424% | 110 |
| Cost of funding earning assets | 1.8900% | 4,682 |
| Net interest margin | 5.9525% | 106 |
| Noninterest income to average assets | 0.7822% | 2,416 |
| Noninterest expense to average assets | 4.2282% | 912 |
| Loan and lease loss provision to assets | 0.3171% | 3,434 |
| Net operating income to assets | 0.9866% | 2,375 |
| Return on assets (ROA) | 1.1346% | 1,969 |
| Pretax return on assets | 1.1346% | 2,854 |
| Return on Equity (ROE) | 6.9128% | 3,628 |
| Retained earnings to average equity (ytd only) | 5.0236% | 3,115 |
| Net charge-offs to loans | 0.0228% | 5,241 |
| Credit loss provision to net charge-offs | 2,250.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 92.5000% | 464 |
| Efficiency ratio | 76.4331% | 3,417 |
| Assets per employee ($millions) | 2.0830% | 7,825 |
| Cash dividends to net income (ytd only)* | 27.3292% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 3,280 |
| Loan loss allowance to noncurrent loans | 31.2005% | 6,461 |
| Noncurrent assets plus other real estate owned to assets | 2.9542% | 1,913 |
| Noncurrent loans to loans | 4.6197% | 1,225 |
| Net loans and leases to total assets | 60.0267% | 5,644 |
| Net loans and leases to deposits | 75.3065% | 5,310 |
| Net loans and leases to core deposits | 99.7209% | 4,561 |
| Total domestic deposits to total assets | 79.7099% | 5,460 |
| Equity capital to assets | 16.0911% | 860 |
| Core capital (leverage) ratio | 8.5808% | 5,376 |
| Tier 1 risk-based capital ratio | 11.5389% | 5,365 |
| Total risk-based capital ratio | 12.7986% | 5,258 |
| Memoranda: | ||
| Average total assets | $56,761,500 | 6,590 |
| Average earning assets | $45,292,000 | 6,869 |
| Average equity | $9,316,000 | 5,599 |
| Average total loans | $35,136,500 | 6,484 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5036% | 103 |
| Cost of funding earning assets | 2.5757% | 3,819 |
| Net interest margin | 5.9279% | 118 |
| Noninterest income to average assets | 1.0384% | 1,457 |
| Noninterest expense to average assets | 3.9430% | 1,495 |
| Loan and lease loss provision to assets | 0.3540% | 3,565 |
| Net operating income to assets | 1.5753% | 876 |
| Return on assets (ROA) | 1.6539% | 709 |
| Pretax return on assets | 1.6539% | 1,251 |
| Return on Equity (ROE) | 10.2461% | 2,171 |
| Retained earnings to average equity (ytd only) | 1.8519% | 4,078 |
| Net charge-offs to loans | 0.1086% | 5,195 |
| Credit loss provision to net charge-offs | 473.6842% | 927 |
| Earnings coverage of net charge-offs (x) | 25.8158% | 1,315 |
| Efficiency ratio | 67.1467% | 4,884 |
| Assets per employee ($millions) | 2.1230% | 7,798 |
| Cash dividends to net income (ytd only)* | 81.9263% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 3,480 |
| Loan loss allowance to noncurrent loans | 54.2197% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 1.7210% | 2,827 |
| Noncurrent loans to loans | 2.4891% | 2,193 |
| Net loans and leases to total assets | 62.1062% | 5,611 |
| Net loans and leases to deposits | 80.2838% | 4,997 |
| Net loans and leases to core deposits | 106.2481% | 4,168 |
| Total domestic deposits to total assets | 77.3583% | 5,904 |
| Equity capital to assets | 16.7521% | 803 |
| Core capital (leverage) ratio | 9.1943% | 4,449 |
| Tier 1 risk-based capital ratio | 11.4336% | 5,304 |
| Total risk-based capital ratio | 12.6059% | 5,283 |
| Memoranda: | ||
| Average total assets | $50,849,000 | 6,744 |
| Average earning assets | $41,464,800 | 6,969 |
| Average equity | $8,208,000 | 5,998 |
| Average total loans | $34,981,000 | 6,428 |