Home > The Citizens National Bank of McConnelsville > Performance and Condition Ratios
The Citizens National Bank of McConnelsville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1260% | 1,806 |
| Cost of funding earning assets | 2.0019% | 912 |
| Net interest margin | 3.1241% | 3,038 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 3.1568% | 865 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1268% | 4,228 |
| Return on assets (ROA) | 0.1268% | 4,253 |
| Pretax return on assets | 0.1491% | 4,241 |
| Return on Equity (ROE) | 1.5900% | 4,196 |
| Retained earnings to average equity (ytd only) | 1.5902% | 3,682 |
| Net charge-offs to loans | -0.0013% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 95.4889% | 270 |
| Assets per employee ($millions) | 4.0813% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 3,394 |
| Loan loss allowance to noncurrent loans | 75.3876% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.9365% | 532 |
| Noncurrent loans to loans | 1.3052% | 536 |
| Net loans and leases to total assets | 71.0500% | 1,689 |
| Net loans and leases to deposits | 87.7358% | 1,461 |
| Net loans and leases to core deposits | 90.1825% | 2,038 |
| Total domestic deposits to total assets | 80.9800% | 3,310 |
| Equity capital to assets | 8.7491% | 2,861 |
| Core capital (leverage) ratio | 10.4079% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $111,980,200 | 3,727 |
| Average earning assets | $104,702,200 | 3,698 |
| Average equity | $8,929,600 | 3,830 |
| Average total loans | $78,168,400 | 3,435 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9402% | 1,972 |
| Cost of funding earning assets | 1.9472% | 789 |
| Net interest margin | 2.9930% | 3,353 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 3.1795% | 844 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.0059% | 4,441 |
| Return on assets (ROA) | -0.0059% | 4,419 |
| Pretax return on assets | -0.0059% | 4,410 |
| Return on Equity (ROE) | -0.0800% | 4,388 |
| Retained earnings to average equity (ytd only) | -0.0762% | 4,158 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 100.1868% | 174 |
| Assets per employee ($millions) | 3.8534% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 3,453 |
| Loan loss allowance to noncurrent loans | 60.4507% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.1517% | 402 |
| Noncurrent loans to loans | 1.6256% | 422 |
| Net loans and leases to total assets | 70.1500% | 1,809 |
| Net loans and leases to deposits | 86.3415% | 1,531 |
| Net loans and leases to core deposits | 87.9416% | 2,054 |
| Total domestic deposits to total assets | 81.2500% | 3,343 |
| Equity capital to assets | 7.8256% | 3,164 |
| Core capital (leverage) ratio | 10.1669% | 2,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $112,426,750 | 3,733 |
| Average earning assets | $105,175,000 | 3,706 |
| Average equity | $8,751,750 | 3,854 |
| Average total loans | $77,943,250 | 3,444 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7839% | 2,029 |
| Cost of funding earning assets | 1.8331% | 697 |
| Net interest margin | 2.9508% | 3,560 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 3.1300% | 865 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0071% | 4,410 |
| Return on assets (ROA) | 0.0071% | 4,446 |
| Pretax return on assets | 0.0071% | 4,439 |
| Return on Equity (ROE) | 0.0900% | 4,431 |
| Retained earnings to average equity (ytd only) | 0.0914% | 4,055 |
| Net charge-offs to loans | 0.0052% | 2,082 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,332 |
| Efficiency ratio | 99.7736% | 178 |
| Assets per employee ($millions) | 3.9601% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 3,515 |
| Loan loss allowance to noncurrent loans | 59.2819% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.1398% | 374 |
| Noncurrent loans to loans | 1.6467% | 387 |
| Net loans and leases to total assets | 68.5400% | 1,910 |
| Net loans and leases to deposits | 86.1790% | 1,487 |
| Net loans and leases to core deposits | 87.7556% | 1,942 |
| Total domestic deposits to total assets | 79.5300% | 3,649 |
| Equity capital to assets | 8.0301% | 3,192 |
| Core capital (leverage) ratio | 10.3148% | 2,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $112,652,667 | 3,741 |
| Average earning assets | $105,395,667 | 3,720 |
| Average equity | $8,754,000 | 3,871 |
| Average total loans | $77,534,333 | 3,451 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5895% | 2,112 |
| Cost of funding earning assets | 1.7124% | 559 |
| Net interest margin | 2.8771% | 3,823 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 3.3059% | 695 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.2366% | 4,561 |
| Return on assets (ROA) | -0.2366% | 4,547 |
| Pretax return on assets | -0.2366% | 4,535 |
| Return on Equity (ROE) | -3.1000% | 4,525 |
| Retained earnings to average equity (ytd only) | -3.0986% | 4,244 |
| Net charge-offs to loans | 0.0157% | 1,382 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -22.0000% | 4,671 |
| Efficiency ratio | 107.7103% | 112 |
| Assets per employee ($millions) | 4.4602% | 4,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 3,468 |
| Loan loss allowance to noncurrent loans | 89.0805% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.7802% | 615 |
| Noncurrent loans to loans | 1.1361% | 622 |
| Net loans and leases to total assets | 67.9900% | 1,835 |
| Net loans and leases to deposits | 84.1270% | 1,489 |
| Net loans and leases to core deposits | 85.4171% | 1,902 |
| Total domestic deposits to total assets | 80.8100% | 3,663 |
| Equity capital to assets | 7.7100% | 3,440 |
| Core capital (leverage) ratio | 10.3764% | 2,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $111,557,500 | 3,805 |
| Average earning assets | $104,412,000 | 3,781 |
| Average equity | $8,520,000 | 3,945 |
| Average total loans | $76,556,000 | 3,506 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 1,336 |
| Cost of funding earning assets | 0.9375% | 217 |
| Net interest margin | 3.2187% | 2,812 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 3.0919% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2352% | 4,425 |
| Return on assets (ROA) | 0.2352% | 4,401 |
| Pretax return on assets | 0.2838% | 4,386 |
| Return on Equity (ROE) | 2.7400% | 4,321 |
| Retained earnings to average equity (ytd only) | -0.7279% | 4,423 |
| Net charge-offs to loans | 0.0086% | 2,067 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 51.5000% | 1,342 |
| Efficiency ratio | 91.5918% | 269 |
| Assets per employee ($millions) | 3.9861% | 4,287 |
| Cash dividends to net income (ytd only)* | 126.5625% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 3,277 |
| Loan loss allowance to noncurrent loans | 84.9345% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.8207% | 576 |
| Noncurrent loans to loans | 1.1969% | 588 |
| Net loans and leases to total assets | 67.8700% | 1,841 |
| Net loans and leases to deposits | 88.3334% | 1,152 |
| Net loans and leases to core deposits | 89.4094% | 1,537 |
| Total domestic deposits to total assets | 76.8400% | 4,190 |
| Equity capital to assets | 7.5647% | 3,347 |
| Core capital (leverage) ratio | 10.3982% | 2,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $108,863,400 | 3,847 |
| Average earning assets | $101,655,000 | 3,822 |
| Average equity | $9,341,400 | 3,958 |
| Average total loans | $69,422,400 | 3,589 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0215% | 1,226 |
| Cost of funding earning assets | 0.7451% | 206 |
| Net interest margin | 3.2764% | 2,370 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 3.0899% | 803 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2749% | 4,409 |
| Return on assets (ROA) | 0.2749% | 4,366 |
| Pretax return on assets | 0.3365% | 4,343 |
| Return on Equity (ROE) | 3.1100% | 4,286 |
| Retained earnings to average equity (ytd only) | 0.8502% | 4,240 |
| Net charge-offs to loans | -0.0079% | 3,613 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 90.1799% | 312 |
| Assets per employee ($millions) | 4.4558% | 4,086 |
| Cash dividends to net income (ytd only)* | 72.6457% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 3,172 |
| Loan loss allowance to noncurrent loans | 76.3566% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.9650% | 470 |
| Noncurrent loans to loans | 1.3954% | 516 |
| Net loans and leases to total assets | 68.4200% | 1,628 |
| Net loans and leases to deposits | 81.3025% | 1,497 |
| Net loans and leases to core deposits | 82.2429% | 1,747 |
| Total domestic deposits to total assets | 84.1600% | 3,466 |
| Equity capital to assets | 7.4884% | 3,225 |
| Core capital (leverage) ratio | 10.8143% | 1,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $108,176,500 | 3,873 |
| Average earning assets | $100,922,000 | 3,855 |
| Average equity | $9,566,000 | 3,971 |
| Average total loans | $67,645,250 | 3,629 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8437% | 1,217 |
| Cost of funding earning assets | 0.6469% | 212 |
| Net interest margin | 3.1968% | 2,201 |
| Noninterest income to average assets | 0.3555% | 3,028 |
| Noninterest expense to average assets | 2.9064% | 979 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3278% | 4,238 |
| Return on assets (ROA) | 0.3278% | 4,190 |
| Pretax return on assets | 0.4255% | 4,118 |
| Return on Equity (ROE) | 3.5299% | 4,127 |
| Retained earnings to average equity (ytd only) | 3.5299% | 3,261 |
| Net charge-offs to loans | -0.0549% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2305% | 526 |
| Assets per employee ($millions) | 4.0899% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 2,726 |
| Loan loss allowance to noncurrent loans | 81.2563% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.9282% | 531 |
| Noncurrent loans to loans | 1.4667% | 507 |
| Net loans and leases to total assets | 62.5308% | 2,064 |
| Net loans and leases to deposits | 73.8182% | 1,884 |
| Net loans and leases to core deposits | 74.8815% | 2,105 |
| Total domestic deposits to total assets | 84.7091% | 3,549 |
| Equity capital to assets | 8.5294% | 2,739 |
| Core capital (leverage) ratio | 10.9073% | 1,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,589,000 | 3,907 |
| Average earning assets | $101,101,667 | 3,901 |
| Average equity | $10,085,333 | 3,974 |
| Average total loans | $65,541,333 | 3,703 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6688% | 1,341 |
| Cost of funding earning assets | 0.6206% | 229 |
| Net interest margin | 3.0481% | 2,338 |
| Noninterest income to average assets | 0.3354% | 3,088 |
| Noninterest expense to average assets | 3.0151% | 798 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1094% | 4,455 |
| Return on assets (ROA) | 0.1094% | 4,424 |
| Pretax return on assets | 0.1495% | 4,391 |
| Return on Equity (ROE) | 1.1328% | 4,405 |
| Retained earnings to average equity (ytd only) | 1.1328% | 3,798 |
| Net charge-offs to loans | -0.0804% | 4,401 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2765% | 352 |
| Assets per employee ($millions) | 3.9872% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 2,672 |
| Loan loss allowance to noncurrent loans | 74.0706% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 0.9995% | 506 |
| Noncurrent loans to loans | 1.6689% | 472 |
| Net loans and leases to total assets | 59.1506% | 2,169 |
| Net loans and leases to deposits | 70.4122% | 1,928 |
| Net loans and leases to core deposits | 71.2202% | 2,176 |
| Total domestic deposits to total assets | 84.0062% | 3,767 |
| Equity capital to assets | 9.0865% | 2,635 |
| Core capital (leverage) ratio | 10.6455% | 1,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,714,500 | 3,919 |
| Average earning assets | $101,833,000 | 3,917 |
| Average equity | $10,593,000 | 3,996 |
| Average total loans | $64,664,000 | 3,724 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7716% | 1,934 |
| Cost of funding earning assets | 0.7232% | 291 |
| Net interest margin | 3.0485% | 3,052 |
| Noninterest income to average assets | 0.3750% | 3,187 |
| Noninterest expense to average assets | 2.7603% | 1,454 |
| Loan and lease loss provision to assets | 0.0091% | 2,896 |
| Net operating income to assets | 0.3906% | 4,288 |
| Return on assets (ROA) | 0.3906% | 4,319 |
| Pretax return on assets | 0.4444% | 4,338 |
| Return on Equity (ROE) | 3.6981% | 4,263 |
| Retained earnings to average equity (ytd only) | 0.8986% | 4,284 |
| Net charge-offs to loans | 0.0062% | 2,355 |
| Credit loss provision to net charge-offs | 250.0000% | 1,169 |
| Earnings coverage of net charge-offs (x) | 124.2500% | 761 |
| Efficiency ratio | 85.8887% | 482 |
| Assets per employee ($millions) | 4.1398% | 4,362 |
| Cash dividends to net income (ytd only)* | 75.7009% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 2,834 |
| Loan loss allowance to noncurrent loans | 76.8854% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.9134% | 638 |
| Noncurrent loans to loans | 1.5743% | 564 |
| Net loans and leases to total assets | 57.3187% | 2,442 |
| Net loans and leases to deposits | 69.1133% | 2,214 |
| Net loans and leases to core deposits | 69.8852% | 2,455 |
| Total domestic deposits to total assets | 82.9345% | 3,824 |
| Equity capital to assets | 10.2026% | 2,469 |
| Core capital (leverage) ratio | 10.3211% | 2,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,588,000 | 3,897 |
| Average earning assets | $102,051,200 | 3,887 |
| Average equity | $11,573,400 | 3,974 |
| Average total loans | $64,893,600 | 3,748 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7878% | 2,039 |
| Cost of funding earning assets | 0.7439% | 316 |
| Net interest margin | 3.0439% | 3,195 |
| Noninterest income to average assets | 0.3839% | 3,180 |
| Noninterest expense to average assets | 2.7879% | 1,372 |
| Loan and lease loss provision to assets | 0.0119% | 2,753 |
| Net operating income to assets | 0.3534% | 4,442 |
| Return on assets (ROA) | 0.3534% | 4,475 |
| Pretax return on assets | 0.4206% | 4,469 |
| Return on Equity (ROE) | 3.3173% | 4,418 |
| Retained earnings to average equity (ytd only) | 1.4692% | 4,317 |
| Net charge-offs to loans | 0.0021% | 2,316 |
| Credit loss provision to net charge-offs | 1,000.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 354.0000% | 392 |
| Efficiency ratio | 86.5604% | 417 |
| Assets per employee ($millions) | 4.1530% | 4,363 |
| Cash dividends to net income (ytd only)* | 55.7093% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 2,865 |
| Loan loss allowance to noncurrent loans | 67.8448% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.0345% | 624 |
| Noncurrent loans to loans | 1.8076% | 531 |
| Net loans and leases to total assets | 56.5276% | 2,669 |
| Net loans and leases to deposits | 68.4636% | 2,398 |
| Net loans and leases to core deposits | 69.2278% | 2,662 |
| Total domestic deposits to total assets | 82.5659% | 3,808 |
| Equity capital to assets | 10.2790% | 2,631 |
| Core capital (leverage) ratio | 10.0847% | 2,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,041,250 | 3,950 |
| Average earning assets | $101,622,250 | 3,938 |
| Average equity | $11,615,750 | 4,024 |
| Average total loans | $64,903,750 | 3,792 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 2,108 |
| Cost of funding earning assets | 0.7502% | 363 |
| Net interest margin | 3.0364% | 3,222 |
| Noninterest income to average assets | 0.3907% | 3,152 |
| Noninterest expense to average assets | 2.8312% | 1,286 |
| Loan and lease loss provision to assets | 0.0185% | 2,588 |
| Net operating income to assets | 0.3203% | 4,503 |
| Return on assets (ROA) | 0.3203% | 4,527 |
| Pretax return on assets | 0.3814% | 4,520 |
| Return on Equity (ROE) | 2.9711% | 4,480 |
| Retained earnings to average equity (ytd only) | 0.9274% | 4,359 |
| Net charge-offs to loans | 0.0061% | 1,922 |
| Credit loss provision to net charge-offs | 500.0000% | 677 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 715 |
| Efficiency ratio | 87.6218% | 413 |
| Assets per employee ($millions) | 4.0831% | 4,403 |
| Cash dividends to net income (ytd only)* | 68.7861% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 2,883 |
| Loan loss allowance to noncurrent loans | 60.6950% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.1747% | 597 |
| Noncurrent loans to loans | 1.9906% | 496 |
| Net loans and leases to total assets | 58.2989% | 2,631 |
| Net loans and leases to deposits | 71.2412% | 2,273 |
| Net loans and leases to core deposits | 72.0543% | 2,600 |
| Total domestic deposits to total assets | 81.8330% | 3,953 |
| Equity capital to assets | 10.5629% | 2,341 |
| Core capital (leverage) ratio | 10.5005% | 1,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,011,333 | 3,979 |
| Average earning assets | $101,040,000 | 3,964 |
| Average equity | $11,645,667 | 4,032 |
| Average total loans | $65,147,667 | 3,811 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8854% | 1,865 |
| Cost of funding earning assets | 0.7531% | 442 |
| Net interest margin | 3.1324% | 2,898 |
| Noninterest income to average assets | 0.3705% | 3,245 |
| Noninterest expense to average assets | 2.8813% | 1,193 |
| Loan and lease loss provision to assets | 0.0187% | 2,538 |
| Net operating income to assets | 0.3330% | 4,473 |
| Return on assets (ROA) | 0.3330% | 4,508 |
| Pretax return on assets | 0.3967% | 4,490 |
| Return on Equity (ROE) | 3.0568% | 4,463 |
| Retained earnings to average equity (ytd only) | -1.0304% | 4,469 |
| Net charge-offs to loans | -0.0184% | 3,955 |
| Credit loss provision to net charge-offs | -166.6667% | 2,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4007% | 468 |
| Assets per employee ($millions) | 3.9491% | 4,509 |
| Cash dividends to net income (ytd only)* | 133.7079% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,928 |
| Loan loss allowance to noncurrent loans | 80.6783% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.8800% | 995 |
| Noncurrent loans to loans | 1.4877% | 841 |
| Net loans and leases to total assets | 58.4405% | 2,751 |
| Net loans and leases to deposits | 71.4823% | 2,364 |
| Net loans and leases to core deposits | 72.0924% | 2,696 |
| Total domestic deposits to total assets | 81.7552% | 3,942 |
| Equity capital to assets | 10.4663% | 2,297 |
| Core capital (leverage) ratio | 10.9747% | 1,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,895,000 | 4,000 |
| Average earning assets | $99,860,000 | 3,979 |
| Average equity | $11,646,000 | 4,042 |
| Average total loans | $65,193,000 | 3,826 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 1,149 |
| Cost of funding earning assets | 0.8733% | 934 |
| Net interest margin | 3.6991% | 1,804 |
| Noninterest income to average assets | 0.2008% | 4,270 |
| Noninterest expense to average assets | 2.9240% | 1,621 |
| Loan and lease loss provision to assets | 0.0875% | 3,269 |
| Net operating income to assets | 0.5248% | 3,973 |
| Return on assets (ROA) | 0.5248% | 4,061 |
| Pretax return on assets | 0.6331% | 4,009 |
| Return on Equity (ROE) | 4.5232% | 4,023 |
| Retained earnings to average equity (ytd only) | 1.7219% | 3,938 |
| Net charge-offs to loans | -0.0091% | 4,244 |
| Credit loss provision to net charge-offs | -1,466.6667% | 4,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2291% | 874 |
| Assets per employee ($millions) | 3.8228% | 4,487 |
| Cash dividends to net income (ytd only)* | 61.9318% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 2,966 |
| Loan loss allowance to noncurrent loans | 77.8779% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.9679% | 995 |
| Noncurrent loans to loans | 1.5374% | 863 |
| Net loans and leases to total assets | 62.2026% | 2,580 |
| Net loans and leases to deposits | 77.7332% | 2,101 |
| Net loans and leases to core deposits | 78.4571% | 2,519 |
| Total domestic deposits to total assets | 80.0205% | 4,036 |
| Equity capital to assets | 11.3539% | 1,987 |
| Core capital (leverage) ratio | 11.1618% | 1,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,614,200 | 3,987 |
| Average earning assets | $93,670,200 | 3,982 |
| Average equity | $11,673,200 | 4,006 |
| Average total loans | $65,794,400 | 3,817 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6666% | 1,143 |
| Cost of funding earning assets | 0.8967% | 1,080 |
| Net interest margin | 3.7700% | 1,710 |
| Noninterest income to average assets | 0.2054% | 4,242 |
| Noninterest expense to average assets | 2.9490% | 1,567 |
| Loan and lease loss provision to assets | 0.1170% | 2,862 |
| Net operating income to assets | 0.5388% | 3,929 |
| Return on assets (ROA) | 0.5388% | 4,024 |
| Pretax return on assets | 0.6496% | 4,009 |
| Return on Equity (ROE) | 4.6190% | 3,993 |
| Retained earnings to average equity (ytd only) | 2.7439% | 3,627 |
| Net charge-offs to loans | 0.0242% | 2,354 |
| Credit loss provision to net charge-offs | 733.3333% | 1,038 |
| Earnings coverage of net charge-offs (x) | 47.9167% | 1,223 |
| Efficiency ratio | 79.3611% | 912 |
| Assets per employee ($millions) | 3.9379% | 4,366 |
| Cash dividends to net income (ytd only)* | 40.5941% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 2,802 |
| Loan loss allowance to noncurrent loans | 67.9499% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.0910% | 964 |
| Noncurrent loans to loans | 1.7306% | 780 |
| Net loans and leases to total assets | 62.2982% | 2,968 |
| Net loans and leases to deposits | 78.4561% | 2,487 |
| Net loans and leases to core deposits | 79.4460% | 2,891 |
| Total domestic deposits to total assets | 79.4052% | 3,982 |
| Equity capital to assets | 11.4958% | 2,009 |
| Core capital (leverage) ratio | 11.1819% | 1,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,963,750 | 3,993 |
| Average earning assets | $93,084,000 | 3,981 |
| Average equity | $11,661,750 | 4,018 |
| Average total loans | $65,997,750 | 3,829 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 1,326 |
| Cost of funding earning assets | 0.9351% | 1,215 |
| Net interest margin | 3.7967% | 1,843 |
| Noninterest income to average assets | 0.2178% | 4,182 |
| Noninterest expense to average assets | 2.9791% | 1,635 |
| Loan and lease loss provision to assets | 0.1775% | 2,242 |
| Net operating income to assets | 0.5002% | 4,020 |
| Return on assets (ROA) | 0.5002% | 4,094 |
| Pretax return on assets | 0.5991% | 4,066 |
| Return on Equity (ROE) | 4.2664% | 4,033 |
| Retained earnings to average equity (ytd only) | 4.2664% | 2,792 |
| Net charge-offs to loans | 0.0361% | 2,012 |
| Credit loss provision to net charge-offs | 733.3333% | 967 |
| Earnings coverage of net charge-offs (x) | 32.0833% | 1,380 |
| Efficiency ratio | 79.3233% | 937 |
| Assets per employee ($millions) | 3.7679% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 2,600 |
| Loan loss allowance to noncurrent loans | 48.5294% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.5965% | 560 |
| Noncurrent loans to loans | 2.4385% | 490 |
| Net loans and leases to total assets | 64.6966% | 2,796 |
| Net loans and leases to deposits | 82.9788% | 2,096 |
| Net loans and leases to core deposits | 84.3762% | 2,582 |
| Total domestic deposits to total assets | 77.9676% | 4,194 |
| Equity capital to assets | 12.0921% | 1,608 |
| Core capital (leverage) ratio | 11.5798% | 1,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,156,667 | 4,006 |
| Average earning assets | $92,396,333 | 3,991 |
| Average equity | $11,625,667 | 4,031 |
| Average total loans | $66,482,667 | 3,826 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8164% | 1,380 |
| Cost of funding earning assets | 1.0018% | 1,414 |
| Net interest margin | 3.8146% | 1,922 |
| Noninterest income to average assets | 0.2566% | 4,004 |
| Noninterest expense to average assets | 3.0475% | 1,771 |
| Loan and lease loss provision to assets | 0.3529% | 877 |
| Net operating income to assets | 0.3569% | 4,227 |
| Return on assets (ROA) | 0.3569% | 4,261 |
| Pretax return on assets | 0.4291% | 4,243 |
| Return on Equity (ROE) | 3.0915% | 4,192 |
| Retained earnings to average equity (ytd only) | 3.0915% | 3,041 |
| Net charge-offs to loans | 0.4434% | 329 |
| Credit loss provision to net charge-offs | 117.3333% | 1,716 |
| Earnings coverage of net charge-offs (x) | 2.6000% | 2,270 |
| Efficiency ratio | 79.5812% | 1,184 |
| Assets per employee ($millions) | 3.8745% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 3,512 |
| Loan loss allowance to noncurrent loans | 41.0862% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.6816% | 587 |
| Noncurrent loans to loans | 2.5227% | 475 |
| Net loans and leases to total assets | 65.9662% | 2,819 |
| Net loans and leases to deposits | 83.9159% | 2,241 |
| Net loans and leases to core deposits | 85.2727% | 2,734 |
| Total domestic deposits to total assets | 78.6099% | 4,119 |
| Equity capital to assets | 11.5696% | 2,380 |
| Core capital (leverage) ratio | 11.6941% | 1,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,752,500 | 3,998 |
| Average earning assets | $93,430,000 | 3,974 |
| Average equity | $11,515,500 | 4,067 |
| Average total loans | $67,654,500 | 3,810 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9353% | 1,647 |
| Cost of funding earning assets | 1.0301% | 1,597 |
| Net interest margin | 3.9052% | 2,162 |
| Noninterest income to average assets | 0.4168% | 3,198 |
| Noninterest expense to average assets | 2.9386% | 2,172 |
| Loan and lease loss provision to assets | 0.0733% | 2,532 |
| Net operating income to assets | 0.8839% | 3,274 |
| Return on assets (ROA) | 0.8839% | 3,352 |
| Pretax return on assets | 1.0734% | 3,251 |
| Return on Equity (ROE) | 7.5037% | 3,369 |
| Retained earnings to average equity (ytd only) | 4.1964% | 2,860 |
| Net charge-offs to loans | 0.1313% | 1,454 |
| Credit loss provision to net charge-offs | 80.4598% | 2,789 |
| Earnings coverage of net charge-offs (x) | 12.5862% | 2,406 |
| Efficiency ratio | 71.9303% | 1,878 |
| Assets per employee ($millions) | 3.9507% | 3,970 |
| Cash dividends to net income (ytd only)* | 44.0758% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 3,495 |
| Loan loss allowance to noncurrent loans | 54.0776% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.2788% | 875 |
| Noncurrent loans to loans | 1.8530% | 721 |
| Net loans and leases to total assets | 68.3194% | 2,636 |
| Net loans and leases to deposits | 91.0068% | 1,483 |
| Net loans and leases to core deposits | 93.6907% | 2,093 |
| Total domestic deposits to total assets | 75.0706% | 4,699 |
| Equity capital to assets | 11.5180% | 2,517 |
| Core capital (leverage) ratio | 11.9294% | 1,822 |
| Tier 1 risk-based capital ratio | 22.0923% | 1,012 |
| Total risk-based capital ratio | 23.3430% | 991 |
| Memoranda: | ||
| Average total assets | $95,488,600 | 4,067 |
| Average earning assets | $89,700,000 | 4,048 |
| Average equity | $11,247,800 | 4,085 |
| Average total loans | $66,283,400 | 3,856 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9201% | 1,760 |
| Cost of funding earning assets | 1.0344% | 1,609 |
| Net interest margin | 3.8857% | 2,311 |
| Noninterest income to average assets | 0.4746% | 2,879 |
| Noninterest expense to average assets | 2.8069% | 2,544 |
| Loan and lease loss provision to assets | 0.0634% | 2,623 |
| Net operating income to assets | 1.0323% | 2,852 |
| Return on assets (ROA) | 1.0323% | 2,932 |
| Pretax return on assets | 1.2549% | 2,802 |
| Return on Equity (ROE) | 8.7137% | 3,001 |
| Retained earnings to average equity (ytd only) | 6.7047% | 2,010 |
| Net charge-offs to loans | 0.0770% | 1,724 |
| Credit loss provision to net charge-offs | 118.4211% | 1,973 |
| Earnings coverage of net charge-offs (x) | 24.6294% | 1,788 |
| Efficiency ratio | 68.0437% | 2,414 |
| Assets per employee ($millions) | 3.5400% | 4,459 |
| Cash dividends to net income (ytd only)* | 23.0561% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 3,246 |
| Loan loss allowance to noncurrent loans | 55.0623% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.3434% | 889 |
| Noncurrent loans to loans | 1.9175% | 725 |
| Net loans and leases to total assets | 69.3178% | 2,579 |
| Net loans and leases to deposits | 86.8233% | 2,088 |
| Net loans and leases to core deposits | 89.6014% | 2,575 |
| Total domestic deposits to total assets | 79.8378% | 4,018 |
| Equity capital to assets | 11.9753% | 2,275 |
| Core capital (leverage) ratio | 12.0740% | 1,801 |
| Tier 1 risk-based capital ratio | 22.3694% | 1,023 |
| Total risk-based capital ratio | 23.6202% | 997 |
| Memoranda: | ||
| Average total assets | $94,669,000 | 4,124 |
| Average earning assets | $88,939,750 | 4,110 |
| Average equity | $11,215,750 | 4,128 |
| Average total loans | $65,814,250 | 3,909 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8568% | 1,888 |
| Cost of funding earning assets | 0.9961% | 1,713 |
| Net interest margin | 3.8606% | 2,366 |
| Noninterest income to average assets | 0.5065% | 2,640 |
| Noninterest expense to average assets | 2.8210% | 2,515 |
| Loan and lease loss provision to assets | 0.0636% | 2,544 |
| Net operating income to assets | 1.0449% | 2,742 |
| Return on assets (ROA) | 1.0449% | 2,818 |
| Pretax return on assets | 1.2526% | 2,737 |
| Return on Equity (ROE) | 8.8518% | 2,919 |
| Retained earnings to average equity (ytd only) | 8.8518% | 1,079 |
| Net charge-offs to loans | 0.0550% | 1,858 |
| Credit loss provision to net charge-offs | 166.6667% | 1,382 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 1,353 |
| Efficiency ratio | 68.1865% | 2,506 |
| Assets per employee ($millions) | 3.4398% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 3,236 |
| Loan loss allowance to noncurrent loans | 60.5442% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.2662% | 1,022 |
| Noncurrent loans to loans | 1.7672% | 856 |
| Net loans and leases to total assets | 70.8864% | 2,410 |
| Net loans and leases to deposits | 92.3495% | 1,451 |
| Net loans and leases to core deposits | 95.5016% | 2,118 |
| Total domestic deposits to total assets | 76.7588% | 4,594 |
| Equity capital to assets | 12.2478% | 2,023 |
| Core capital (leverage) ratio | 12.0908% | 1,766 |
| Tier 1 risk-based capital ratio | 22.5105% | 993 |
| Total risk-based capital ratio | 23.7632% | 975 |
| Memoranda: | ||
| Average total assets | $94,365,330 | 4,154 |
| Average earning assets | $88,741,670 | 4,135 |
| Average equity | $11,139,000 | 4,153 |
| Average total loans | $65,432,000 | 3,941 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6379% | 2,422 |
| Cost of funding earning assets | 0.8939% | 2,035 |
| Net interest margin | 3.7440% | 2,730 |
| Noninterest income to average assets | 0.6729% | 1,711 |
| Noninterest expense to average assets | 2.7421% | 2,770 |
| Loan and lease loss provision to assets | 0.1262% | 1,393 |
| Net operating income to assets | 1.1692% | 2,179 |
| Return on assets (ROA) | 1.1692% | 2,235 |
| Pretax return on assets | 1.3626% | 2,226 |
| Return on Equity (ROE) | 10.0898% | 2,334 |
| Retained earnings to average equity (ytd only) | 10.0898% | 1,018 |
| Net charge-offs to loans | 0.0247% | 1,957 |
| Credit loss provision to net charge-offs | 750.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 88.5000% | 719 |
| Efficiency ratio | 64.8111% | 3,113 |
| Assets per employee ($millions) | 3.5837% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 3,081 |
| Loan loss allowance to noncurrent loans | 92.0152% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.8154% | 1,737 |
| Noncurrent loans to loans | 1.2042% | 1,372 |
| Net loans and leases to total assets | 66.9664% | 2,904 |
| Net loans and leases to deposits | 88.4853% | 1,809 |
| Net loans and leases to core deposits | 91.0683% | 2,393 |
| Total domestic deposits to total assets | 75.6808% | 4,797 |
| Equity capital to assets | 11.5338% | 2,370 |
| Core capital (leverage) ratio | 12.1452% | 1,694 |
| Tier 1 risk-based capital ratio | 23.0679% | 926 |
| Total risk-based capital ratio | 24.3225% | 908 |
| Memoranda: | ||
| Average total assets | $95,111,000 | 4,181 |
| Average earning assets | $90,385,500 | 4,137 |
| Average equity | $11,021,000 | 4,186 |
| Average total loans | $64,874,500 | 3,994 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5761% | 2,210 |
| Cost of funding earning assets | 0.7888% | 1,584 |
| Net interest margin | 3.7874% | 2,706 |
| Noninterest income to average assets | 0.3283% | 3,908 |
| Noninterest expense to average assets | 2.8642% | 2,472 |
| Loan and lease loss provision to assets | 0.0432% | 3,319 |
| Net operating income to assets | 0.8100% | 3,766 |
| Return on assets (ROA) | 0.8100% | 3,769 |
| Pretax return on assets | 1.0044% | 3,584 |
| Return on Equity (ROE) | 6.9659% | 3,836 |
| Retained earnings to average equity (ytd only) | 3.7894% | 3,489 |
| Net charge-offs to loans | -0.2049% | 5,270 |
| Credit loss provision to net charge-offs | -30.3030% | 4,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2192% | 1,730 |
| Assets per employee ($millions) | 3.2229% | 4,807 |
| Cash dividends to net income (ytd only)* | 45.6000% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 3,174 |
| Loan loss allowance to noncurrent loans | 84.0336% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.8913% | 1,562 |
| Noncurrent loans to loans | 1.2970% | 1,219 |
| Net loans and leases to total assets | 67.9702% | 2,886 |
| Net loans and leases to deposits | 88.4654% | 1,995 |
| Net loans and leases to core deposits | 91.0951% | 2,485 |
| Total domestic deposits to total assets | 76.8325% | 4,651 |
| Equity capital to assets | 11.6431% | 2,147 |
| Core capital (leverage) ratio | 11.7990% | 1,874 |
| Tier 1 risk-based capital ratio | 23.1355% | 907 |
| Total risk-based capital ratio | 24.3877% | 876 |
| Memoranda: | ||
| Average total assets | $92,590,800 | 4,228 |
| Average earning assets | $87,606,600 | 4,194 |
| Average equity | $10,766,800 | 4,195 |
| Average total loans | $64,406,000 | 3,996 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4725% | 2,391 |
| Cost of funding earning assets | 0.6854% | 1,943 |
| Net interest margin | 3.7871% | 2,695 |
| Noninterest income to average assets | 0.3248% | 3,972 |
| Noninterest expense to average assets | 2.7309% | 2,872 |
| Loan and lease loss provision to assets | 0.0289% | 3,435 |
| Net operating income to assets | 0.9180% | 3,446 |
| Return on assets (ROA) | 0.9180% | 3,451 |
| Pretax return on assets | 1.1461% | 3,210 |
| Return on Equity (ROE) | 7.8970% | 3,588 |
| Retained earnings to average equity (ytd only) | 5.7737% | 2,774 |
| Net charge-offs to loans | -0.3475% | 5,373 |
| Credit loss provision to net charge-offs | -11.9048% | 4,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9187% | 2,199 |
| Assets per employee ($millions) | 3.2124% | 4,877 |
| Cash dividends to net income (ytd only)* | 26.8862% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 3,143 |
| Loan loss allowance to noncurrent loans | 97.9480% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.7847% | 1,894 |
| Noncurrent loans to loans | 1.1313% | 1,500 |
| Net loans and leases to total assets | 68.5927% | 2,854 |
| Net loans and leases to deposits | 87.2416% | 2,241 |
| Net loans and leases to core deposits | 88.7169% | 2,776 |
| Total domestic deposits to total assets | 78.6239% | 4,392 |
| Equity capital to assets | 11.7422% | 2,073 |
| Core capital (leverage) ratio | 11.8517% | 1,877 |
| Tier 1 risk-based capital ratio | 22.8682% | 952 |
| Total risk-based capital ratio | 24.1204% | 924 |
| Memoranda: | ||
| Average total assets | $92,372,750 | 4,275 |
| Average earning assets | $87,347,000 | 4,239 |
| Average equity | $10,738,000 | 4,237 |
| Average total loans | $64,450,750 | 4,031 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3769% | 2,495 |
| Cost of funding earning assets | 0.6725% | 1,795 |
| Net interest margin | 3.7044% | 2,906 |
| Noninterest income to average assets | 0.3148% | 4,070 |
| Noninterest expense to average assets | 2.7554% | 2,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8598% | 3,628 |
| Return on assets (ROA) | 0.8598% | 3,625 |
| Pretax return on assets | 1.0639% | 3,459 |
| Return on Equity (ROE) | 7.4220% | 3,757 |
| Retained earnings to average equity (ytd only) | 7.4220% | 1,876 |
| Net charge-offs to loans | -0.5404% | 5,444 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1433% | 1,981 |
| Assets per employee ($millions) | 3.4045% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 3,363 |
| Loan loss allowance to noncurrent loans | 74.6015% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 1.0237% | 1,470 |
| Noncurrent loans to loans | 1.4527% | 1,164 |
| Net loans and leases to total assets | 69.7037% | 2,626 |
| Net loans and leases to deposits | 89.5437% | 1,903 |
| Net loans and leases to core deposits | 90.4462% | 2,533 |
| Total domestic deposits to total assets | 77.8432% | 4,615 |
| Equity capital to assets | 11.8252% | 1,976 |
| Core capital (leverage) ratio | 11.6697% | 1,924 |
| Tier 1 risk-based capital ratio | 22.8861% | 942 |
| Total risk-based capital ratio | 24.1389% | 926 |
| Memoranda: | ||
| Average total assets | $92,110,330 | 4,313 |
| Average earning assets | $87,139,000 | 4,271 |
| Average equity | $10,671,000 | 4,281 |
| Average total loans | $64,395,330 | 4,060 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2676% | 2,645 |
| Cost of funding earning assets | 0.6601% | 1,660 |
| Net interest margin | 3.6075% | 3,147 |
| Noninterest income to average assets | 0.3036% | 4,131 |
| Noninterest expense to average assets | 2.6804% | 3,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8414% | 3,548 |
| Return on assets (ROA) | 0.8414% | 3,564 |
| Pretax return on assets | 1.0366% | 3,406 |
| Return on Equity (ROE) | 7.3405% | 3,651 |
| Retained earnings to average equity (ytd only) | 7.3405% | 2,123 |
| Net charge-offs to loans | -1.0775% | 5,542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1120% | 2,179 |
| Assets per employee ($millions) | 3.2346% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 3,497 |
| Loan loss allowance to noncurrent loans | 94.2204% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.7931% | 1,988 |
| Noncurrent loans to loans | 1.1474% | 1,589 |
| Net loans and leases to total assets | 68.3787% | 2,720 |
| Net loans and leases to deposits | 87.3441% | 2,010 |
| Net loans and leases to core deposits | 90.1403% | 2,439 |
| Total domestic deposits to total assets | 78.2866% | 4,690 |
| Equity capital to assets | 11.3726% | 2,237 |
| Core capital (leverage) ratio | 11.5055% | 2,006 |
| Tier 1 risk-based capital ratio | 21.3817% | 1,142 |
| Total risk-based capital ratio | 22.6340% | 1,118 |
| Memoranda: | ||
| Average total assets | $92,223,500 | 4,367 |
| Average earning assets | $87,262,000 | 4,317 |
| Average equity | $10,571,500 | 4,342 |
| Average total loans | $64,224,500 | 4,089 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0851% | 3,104 |
| Cost of funding earning assets | 0.5656% | 1,851 |
| Net interest margin | 3.5196% | 3,465 |
| Noninterest income to average assets | 0.3109% | 4,233 |
| Noninterest expense to average assets | 2.7027% | 3,115 |
| Loan and lease loss provision to assets | 0.0901% | 2,388 |
| Net operating income to assets | 0.6681% | 3,739 |
| Return on assets (ROA) | 0.6681% | 3,787 |
| Pretax return on assets | 0.8483% | 4,099 |
| Return on Equity (ROE) | 5.6157% | 3,912 |
| Retained earnings to average equity (ytd only) | 2.5190% | 3,819 |
| Net charge-offs to loans | 0.0199% | 3,441 |
| Credit loss provision to net charge-offs | 666.6667% | 487 |
| Earnings coverage of net charge-offs (x) | 69.4167% | 860 |
| Efficiency ratio | 74.2265% | 1,866 |
| Assets per employee ($millions) | 3.2420% | 4,994 |
| Cash dividends to net income (ytd only)* | 55.1433% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 3,751 |
| Loan loss allowance to noncurrent loans | 87.9357% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 0.8218% | 1,898 |
| Noncurrent loans to loans | 1.1705% | 1,517 |
| Net loans and leases to total assets | 69.4875% | 2,603 |
| Net loans and leases to deposits | 90.7689% | 1,682 |
| Net loans and leases to core deposits | 93.8298% | 2,210 |
| Total domestic deposits to total assets | 76.5544% | 4,913 |
| Equity capital to assets | 11.7245% | 2,019 |
| Core capital (leverage) ratio | 11.5961% | 1,870 |
| Tier 1 risk-based capital ratio | 21.4842% | 1,069 |
| Total risk-based capital ratio | 22.7369% | 1,051 |
| Memoranda: | ||
| Average total assets | $88,761,800 | 4,447 |
| Average earning assets | $83,987,400 | 4,403 |
| Average equity | $10,559,600 | 4,368 |
| Average total loans | $60,398,000 | 4,196 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0503% | 3,176 |
| Cost of funding earning assets | 0.5633% | 1,787 |
| Net interest margin | 3.4870% | 3,548 |
| Noninterest income to average assets | 0.3082% | 4,323 |
| Noninterest expense to average assets | 2.5878% | 3,445 |
| Loan and lease loss provision to assets | 0.0982% | 2,146 |
| Net operating income to assets | 0.6511% | 4,185 |
| Return on assets (ROA) | 0.6511% | 4,238 |
| Pretax return on assets | 0.9230% | 3,959 |
| Return on Equity (ROE) | 5.4527% | 4,347 |
| Retained earnings to average equity (ytd only) | 3.4792% | 3,850 |
| Net charge-offs to loans | -0.0604% | 5,222 |
| Credit loss provision to net charge-offs | -240.7407% | 4,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7036% | 2,246 |
| Assets per employee ($millions) | 3.5966% | 4,587 |
| Cash dividends to net income (ytd only)* | 36.1942% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 3,540 |
| Loan loss allowance to noncurrent loans | 68.2046% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.1088% | 1,498 |
| Noncurrent loans to loans | 1.5990% | 1,149 |
| Net loans and leases to total assets | 68.5911% | 2,759 |
| Net loans and leases to deposits | 85.8190% | 2,316 |
| Net loans and leases to core deposits | 88.5992% | 2,718 |
| Total domestic deposits to total assets | 79.9253% | 4,328 |
| Equity capital to assets | 11.8469% | 2,079 |
| Core capital (leverage) ratio | 11.7040% | 1,878 |
| Tier 1 risk-based capital ratio | 22.4030% | 1,007 |
| Total risk-based capital ratio | 23.6561% | 987 |
| Memoranda: | ||
| Average total assets | $88,258,250 | 4,499 |
| Average earning assets | $83,547,000 | 4,452 |
| Average equity | $10,538,750 | 4,413 |
| Average total loans | $59,564,000 | 4,255 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0059% | 3,187 |
| Cost of funding earning assets | 0.5609% | 1,710 |
| Net interest margin | 3.4450% | 3,611 |
| Noninterest income to average assets | 0.3010% | 4,382 |
| Noninterest expense to average assets | 2.6680% | 3,206 |
| Loan and lease loss provision to assets | 0.0912% | 2,159 |
| Net operating income to assets | 0.5792% | 4,393 |
| Return on assets (ROA) | 0.5792% | 4,448 |
| Pretax return on assets | 0.8050% | 4,252 |
| Return on Equity (ROE) | 4.8376% | 4,542 |
| Retained earnings to average equity (ytd only) | 4.8376% | 2,819 |
| Net charge-offs to loans | -0.1057% | 5,423 |
| Credit loss provision to net charge-offs | -129.0323% | 4,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8560% | 1,874 |
| Assets per employee ($millions) | 3.3102% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 3,671 |
| Loan loss allowance to noncurrent loans | 48.4203% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 1.5228% | 985 |
| Noncurrent loans to loans | 2.2394% | 718 |
| Net loans and leases to total assets | 67.2630% | 2,910 |
| Net loans and leases to deposits | 85.0383% | 2,347 |
| Net loans and leases to core deposits | 87.8313% | 2,715 |
| Total domestic deposits to total assets | 79.0973% | 4,603 |
| Equity capital to assets | 11.8947% | 2,008 |
| Core capital (leverage) ratio | 11.7987% | 1,767 |
| Tier 1 risk-based capital ratio | 22.5215% | 991 |
| Total risk-based capital ratio | 23.7751% | 976 |
| Memoranda: | ||
| Average total assets | $87,706,330 | 4,533 |
| Average earning assets | $83,077,000 | 4,485 |
| Average equity | $10,501,000 | 4,435 |
| Average total loans | $58,634,330 | 4,296 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 3,486 |
| Cost of funding earning assets | 0.5543% | 1,686 |
| Net interest margin | 3.3208% | 3,943 |
| Noninterest income to average assets | 0.2809% | 4,544 |
| Noninterest expense to average assets | 2.6200% | 3,417 |
| Loan and lease loss provision to assets | 0.0691% | 2,431 |
| Net operating income to assets | 0.5387% | 4,429 |
| Return on assets (ROA) | 0.5387% | 4,471 |
| Pretax return on assets | 0.7367% | 4,320 |
| Return on Equity (ROE) | 4.4845% | 4,605 |
| Retained earnings to average equity (ytd only) | 4.4845% | 3,177 |
| Net charge-offs to loans | 0.0695% | 1,635 |
| Credit loss provision to net charge-offs | 150.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,599 |
| Efficiency ratio | 76.4785% | 1,839 |
| Assets per employee ($millions) | 3.4808% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 4,172 |
| Loan loss allowance to noncurrent loans | 41.4396% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 1.6444% | 937 |
| Noncurrent loans to loans | 2.4567% | 641 |
| Net loans and leases to total assets | 66.2541% | 2,934 |
| Net loans and leases to deposits | 84.2811% | 2,250 |
| Net loans and leases to core deposits | 87.1079% | 2,630 |
| Total domestic deposits to total assets | 78.6109% | 4,893 |
| Equity capital to assets | 12.0603% | 1,790 |
| Core capital (leverage) ratio | 12.0090% | 1,624 |
| Tier 1 risk-based capital ratio | 23.2161% | 948 |
| Total risk-based capital ratio | 24.4686% | 935 |
| Memoranda: | ||
| Average total assets | $86,871,500 | 4,590 |
| Average earning assets | $82,268,500 | 4,546 |
| Average equity | $10,436,000 | 4,474 |
| Average total loans | $57,563,500 | 4,365 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9199% | 3,497 |
| Cost of funding earning assets | 0.4888% | 2,174 |
| Net interest margin | 3.4311% | 3,707 |
| Noninterest income to average assets | 0.2980% | 4,606 |
| Noninterest expense to average assets | 2.7240% | 3,267 |
| Loan and lease loss provision to assets | 0.0643% | 3,090 |
| Net operating income to assets | 0.6088% | 4,169 |
| Return on assets (ROA) | 0.6088% | 4,286 |
| Pretax return on assets | 0.7584% | 4,309 |
| Return on Equity (ROE) | 5.0417% | 4,417 |
| Retained earnings to average equity (ytd only) | 1.9354% | 4,434 |
| Net charge-offs to loans | 0.1754% | 1,565 |
| Credit loss provision to net charge-offs | 57.8947% | 3,279 |
| Earnings coverage of net charge-offs (x) | 7.4105% | 3,024 |
| Efficiency ratio | 76.8040% | 1,878 |
| Assets per employee ($millions) | 3.2119% | 5,137 |
| Cash dividends to net income (ytd only)* | 61.6123% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 4,116 |
| Loan loss allowance to noncurrent loans | 43.2035% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 1.5694% | 1,033 |
| Noncurrent loans to loans | 2.3928% | 669 |
| Net loans and leases to total assets | 64.9097% | 3,229 |
| Net loans and leases to deposits | 83.0606% | 2,540 |
| Net loans and leases to core deposits | 84.5185% | 2,977 |
| Total domestic deposits to total assets | 78.1474% | 4,957 |
| Equity capital to assets | 11.9658% | 1,831 |
| Core capital (leverage) ratio | 11.7718% | 1,738 |
| Tier 1 risk-based capital ratio | 23.5285% | 912 |
| Total risk-based capital ratio | 24.7825% | 900 |
| Memoranda: | ||
| Average total assets | $85,573,800 | 4,623 |
| Average earning assets | $81,022,600 | 4,568 |
| Average equity | $10,333,800 | 4,516 |
| Average total loans | $54,162,800 | 4,450 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9102% | 3,548 |
| Cost of funding earning assets | 0.4789% | 2,277 |
| Net interest margin | 3.4313% | 3,734 |
| Noninterest income to average assets | 0.3002% | 4,619 |
| Noninterest expense to average assets | 2.6717% | 3,423 |
| Loan and lease loss provision to assets | 0.0391% | 3,461 |
| Net operating income to assets | 0.5894% | 4,335 |
| Return on assets (ROA) | 0.5894% | 4,442 |
| Pretax return on assets | 0.8379% | 4,194 |
| Return on Equity (ROE) | 4.8692% | 4,570 |
| Retained earnings to average equity (ytd only) | 2.8673% | 4,178 |
| Net charge-offs to loans | 0.0548% | 2,578 |
| Credit loss provision to net charge-offs | 113.6364% | 2,180 |
| Earnings coverage of net charge-offs (x) | 25.5022% | 1,632 |
| Efficiency ratio | 75.2863% | 2,061 |
| Assets per employee ($millions) | 3.3667% | 4,958 |
| Cash dividends to net income (ytd only)* | 41.1141% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 3,624 |
| Loan loss allowance to noncurrent loans | 49.7634% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 1.4486% | 1,264 |
| Noncurrent loans to loans | 2.2885% | 805 |
| Net loans and leases to total assets | 62.5773% | 3,573 |
| Net loans and leases to deposits | 76.6927% | 3,324 |
| Net loans and leases to core deposits | 79.1575% | 3,533 |
| Total domestic deposits to total assets | 81.5948% | 4,080 |
| Equity capital to assets | 11.8798% | 2,199 |
| Core capital (leverage) ratio | 12.1212% | 1,590 |
| Tier 1 risk-based capital ratio | 23.9254% | 910 |
| Total risk-based capital ratio | 25.1792% | 891 |
| Memoranda: | ||
| Average total assets | $85,286,750 | 4,662 |
| Average earning assets | $80,744,000 | 4,611 |
| Average equity | $10,323,000 | 4,562 |
| Average total loans | $53,483,750 | 4,509 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9028% | 3,599 |
| Cost of funding earning assets | 0.4850% | 2,227 |
| Net interest margin | 3.4177% | 3,819 |
| Noninterest income to average assets | 0.2981% | 4,652 |
| Noninterest expense to average assets | 2.7207% | 3,311 |
| Loan and lease loss provision to assets | 0.0237% | 3,657 |
| Net operating income to assets | 0.5536% | 4,467 |
| Return on assets (ROA) | 0.5536% | 4,582 |
| Pretax return on assets | 0.7878% | 4,329 |
| Return on Equity (ROE) | 4.5447% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.5447% | 3,020 |
| Net charge-offs to loans | 0.0643% | 2,279 |
| Credit loss provision to net charge-offs | 58.8235% | 2,593 |
| Earnings coverage of net charge-offs (x) | 20.1765% | 1,738 |
| Efficiency ratio | 77.0261% | 1,927 |
| Assets per employee ($millions) | 3.5380% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 3,636 |
| Loan loss allowance to noncurrent loans | 51.9231% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 1.4085% | 1,392 |
| Noncurrent loans to loans | 2.2176% | 842 |
| Net loans and leases to total assets | 62.7857% | 3,530 |
| Net loans and leases to deposits | 75.4764% | 3,441 |
| Net loans and leases to core deposits | 77.7959% | 3,660 |
| Total domestic deposits to total assets | 83.1859% | 3,578 |
| Equity capital to assets | 12.2611% | 1,933 |
| Core capital (leverage) ratio | 12.2715% | 1,475 |
| Tier 1 risk-based capital ratio | 24.4047% | 864 |
| Total risk-based capital ratio | 25.6583% | 848 |
| Memoranda: | ||
| Average total assets | $84,537,330 | 4,714 |
| Average earning assets | $79,994,670 | 4,663 |
| Average equity | $10,297,670 | 4,599 |
| Average total loans | $52,842,330 | 4,559 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8870% | 3,632 |
| Cost of funding earning assets | 0.4909% | 2,172 |
| Net interest margin | 3.3961% | 3,883 |
| Noninterest income to average assets | 0.2893% | 4,655 |
| Noninterest expense to average assets | 2.6366% | 3,631 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6070% | 4,145 |
| Return on assets (ROA) | 0.6070% | 4,266 |
| Pretax return on assets | 0.8678% | 3,975 |
| Return on Equity (ROE) | 4.9995% | 4,485 |
| Retained earnings to average equity (ytd only) | 4.9995% | 2,944 |
| Net charge-offs to loans | -0.1453% | 5,763 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2368% | 2,288 |
| Assets per employee ($millions) | 3.3411% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 3,247 |
| Loan loss allowance to noncurrent loans | 50.5469% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 1.5324% | 1,317 |
| Noncurrent loans to loans | 2.4557% | 777 |
| Net loans and leases to total assets | 61.6272% | 3,578 |
| Net loans and leases to deposits | 73.6697% | 3,473 |
| Net loans and leases to core deposits | 75.6510% | 3,711 |
| Total domestic deposits to total assets | 83.6534% | 3,656 |
| Equity capital to assets | 12.3372% | 1,792 |
| Core capital (leverage) ratio | 11.9784% | 1,621 |
| Tier 1 risk-based capital ratio | 25.0142% | 809 |
| Total risk-based capital ratio | 26.2707% | 794 |
| Memoranda: | ||
| Average total assets | $84,350,500 | 4,760 |
| Average earning assets | $79,855,500 | 4,710 |
| Average equity | $10,241,000 | 4,625 |
| Average total loans | $52,297,000 | 4,607 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8029% | 4,034 |
| Cost of funding earning assets | 0.5337% | 1,890 |
| Net interest margin | 3.2692% | 4,410 |
| Noninterest income to average assets | 0.2885% | 4,826 |
| Noninterest expense to average assets | 2.5137% | 4,186 |
| Loan and lease loss provision to assets | 0.0659% | 2,966 |
| Net operating income to assets | 0.5981% | 4,275 |
| Return on assets (ROA) | 0.5981% | 4,382 |
| Pretax return on assets | 0.8030% | 4,174 |
| Return on Equity (ROE) | 5.0254% | 4,490 |
| Retained earnings to average equity (ytd only) | 1.9389% | 4,624 |
| Net charge-offs to loans | -0.0805% | 5,716 |
| Credit loss provision to net charge-offs | -140.0000% | 5,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3126% | 2,531 |
| Assets per employee ($millions) | 3.5489% | 4,731 |
| Cash dividends to net income (ytd only)* | 61.4173% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 3,508 |
| Loan loss allowance to noncurrent loans | 53.1753% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 1.3866% | 1,506 |
| Noncurrent loans to loans | 2.2508% | 867 |
| Net loans and leases to total assets | 60.8679% | 3,717 |
| Net loans and leases to deposits | 74.2247% | 3,465 |
| Net loans and leases to core deposits | 76.5041% | 3,712 |
| Total domestic deposits to total assets | 82.0049% | 4,166 |
| Equity capital to assets | 11.9486% | 1,990 |
| Core capital (leverage) ratio | 11.7204% | 1,803 |
| Tier 1 risk-based capital ratio | 25.0655% | 810 |
| Total risk-based capital ratio | 26.3230% | 798 |
| Memoranda: | ||
| Average total assets | $84,934,600 | 4,769 |
| Average earning assets | $80,386,200 | 4,705 |
| Average equity | $10,108,600 | 4,648 |
| Average total loans | $49,695,800 | 4,681 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7301% | 4,327 |
| Cost of funding earning assets | 0.5464% | 1,832 |
| Net interest margin | 3.1837% | 4,718 |
| Noninterest income to average assets | 0.2938% | 4,846 |
| Noninterest expense to average assets | 2.5621% | 4,007 |
| Loan and lease loss provision to assets | 0.0471% | 3,260 |
| Net operating income to assets | 0.5011% | 4,783 |
| Return on assets (ROA) | 0.5011% | 4,870 |
| Pretax return on assets | 0.6959% | 4,692 |
| Return on Equity (ROE) | 4.2146% | 4,952 |
| Retained earnings to average equity (ytd only) | 2.2064% | 4,776 |
| Net charge-offs to loans | -0.0626% | 5,619 |
| Credit loss provision to net charge-offs | -130.4348% | 5,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5190% | 2,016 |
| Assets per employee ($millions) | 3.7126% | 4,422 |
| Cash dividends to net income (ytd only)* | 47.6488% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 3,926 |
| Loan loss allowance to noncurrent loans | 54.1166% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 1.2660% | 1,846 |
| Noncurrent loans to loans | 2.1252% | 1,058 |
| Net loans and leases to total assets | 58.8835% | 4,029 |
| Net loans and leases to deposits | 69.6891% | 4,021 |
| Net loans and leases to core deposits | 71.3404% | 4,245 |
| Total domestic deposits to total assets | 84.4945% | 3,224 |
| Equity capital to assets | 11.8844% | 2,186 |
| Core capital (leverage) ratio | 11.8073% | 1,811 |
| Tier 1 risk-based capital ratio | 25.5833% | 802 |
| Total risk-based capital ratio | 26.8392% | 788 |
| Memoranda: | ||
| Average total assets | $84,875,000 | 4,824 |
| Average earning assets | $80,282,000 | 4,771 |
| Average equity | $10,091,500 | 4,702 |
| Average total loans | $49,002,000 | 4,752 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 4,463 |
| Cost of funding earning assets | 0.5640% | 1,692 |
| Net interest margin | 3.1168% | 4,927 |
| Noninterest income to average assets | 0.2881% | 4,904 |
| Noninterest expense to average assets | 2.5312% | 4,136 |
| Loan and lease loss provision to assets | 0.0708% | 2,696 |
| Net operating income to assets | 0.4604% | 4,942 |
| Return on assets (ROA) | 0.4604% | 5,032 |
| Pretax return on assets | 0.6352% | 4,880 |
| Return on Equity (ROE) | 3.8719% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.8719% | 3,539 |
| Net charge-offs to loans | -0.0207% | 5,187 |
| Credit loss provision to net charge-offs | -600.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1911% | 2,040 |
| Assets per employee ($millions) | 3.4803% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 4,019 |
| Loan loss allowance to noncurrent loans | 33.1773% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 2.0460% | 1,064 |
| Noncurrent loans to loans | 3.4988% | 501 |
| Net loans and leases to total assets | 57.8005% | 4,128 |
| Net loans and leases to deposits | 69.8097% | 3,954 |
| Net loans and leases to core deposits | 71.5170% | 4,180 |
| Total domestic deposits to total assets | 82.7972% | 4,031 |
| Equity capital to assets | 12.1829% | 1,886 |
| Core capital (leverage) ratio | 11.9296% | 1,700 |
| Tier 1 risk-based capital ratio | 27.6349% | 670 |
| Total risk-based capital ratio | 28.9026% | 656 |
| Memoranda: | ||
| Average total assets | $84,703,670 | 4,883 |
| Average earning assets | $80,147,000 | 4,825 |
| Average equity | $10,072,670 | 4,736 |
| Average total loans | $48,381,000 | 4,808 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6195% | 4,629 |
| Cost of funding earning assets | 0.6041% | 1,403 |
| Net interest margin | 3.0154% | 5,171 |
| Noninterest income to average assets | 0.2814% | 4,927 |
| Noninterest expense to average assets | 2.5512% | 4,098 |
| Loan and lease loss provision to assets | 0.0703% | 2,532 |
| Net operating income to assets | 0.3752% | 5,162 |
| Return on assets (ROA) | 0.3752% | 5,283 |
| Pretax return on assets | 0.5159% | 5,140 |
| Return on Equity (ROE) | 3.1933% | 5,303 |
| Retained earnings to average equity (ytd only) | 3.1933% | 4,070 |
| Net charge-offs to loans | -0.0083% | 4,645 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3154% | 1,714 |
| Assets per employee ($millions) | 3.4493% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 4,341 |
| Loan loss allowance to noncurrent loans | 41.4837% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 1.5319% | 1,694 |
| Noncurrent loans to loans | 2.7377% | 858 |
| Net loans and leases to total assets | 55.3205% | 4,282 |
| Net loans and leases to deposits | 65.4555% | 4,206 |
| Net loans and leases to core deposits | 66.8685% | 4,437 |
| Total domestic deposits to total assets | 84.5162% | 3,613 |
| Equity capital to assets | 11.6674% | 2,326 |
| Core capital (leverage) ratio | 11.7010% | 1,852 |
| Tier 1 risk-based capital ratio | 25.2234% | 869 |
| Total risk-based capital ratio | 26.6147% | 830 |
| Memoranda: | ||
| Average total assets | $85,292,000 | 4,911 |
| Average earning assets | $80,784,000 | 4,850 |
| Average equity | $10,021,000 | 4,777 |
| Average total loans | $48,148,500 | 4,840 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9628% | 3,863 |
| Cost of funding earning assets | 0.7673% | 773 |
| Net interest margin | 3.1954% | 4,934 |
| Noninterest income to average assets | 0.2809% | 5,108 |
| Noninterest expense to average assets | 2.5035% | 4,534 |
| Loan and lease loss provision to assets | 0.1053% | 2,395 |
| Net operating income to assets | 0.4822% | 4,880 |
| Return on assets (ROA) | 0.4822% | 4,971 |
| Pretax return on assets | 0.6987% | 4,634 |
| Return on Equity (ROE) | 4.1192% | 5,065 |
| Retained earnings to average equity (ytd only) | 0.9998% | 5,323 |
| Net charge-offs to loans | 0.1559% | 2,471 |
| Credit loss provision to net charge-offs | 118.4211% | 2,032 |
| Earnings coverage of net charge-offs (x) | 9.0395% | 2,802 |
| Efficiency ratio | 75.6900% | 2,561 |
| Assets per employee ($millions) | 3.8342% | 4,276 |
| Cash dividends to net income (ytd only)* | 75.7282% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 4,502 |
| Loan loss allowance to noncurrent loans | 42.7653% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 1.4748% | 1,864 |
| Noncurrent loans to loans | 2.5892% | 964 |
| Net loans and leases to total assets | 56.3271% | 4,291 |
| Net loans and leases to deposits | 67.0964% | 4,208 |
| Net loans and leases to core deposits | 68.5861% | 4,443 |
| Total domestic deposits to total assets | 83.9494% | 3,733 |
| Equity capital to assets | 11.8326% | 2,147 |
| Core capital (leverage) ratio | 11.6846% | 1,838 |
| Tier 1 risk-based capital ratio | 26.4903% | 722 |
| Total risk-based capital ratio | 27.7430% | 706 |
| Memoranda: | ||
| Average total assets | $85,439,200 | 4,928 |
| Average earning assets | $80,928,400 | 4,874 |
| Average equity | $10,002,000 | 4,749 |
| Average total loans | $48,738,400 | 4,864 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9706% | 3,876 |
| Cost of funding earning assets | 0.7751% | 782 |
| Net interest margin | 3.1955% | 4,981 |
| Noninterest income to average assets | 0.2753% | 5,236 |
| Noninterest expense to average assets | 2.4578% | 4,650 |
| Loan and lease loss provision to assets | 0.0933% | 2,494 |
| Net operating income to assets | 0.5211% | 4,796 |
| Return on assets (ROA) | 0.5211% | 4,861 |
| Pretax return on assets | 0.7514% | 4,527 |
| Return on Equity (ROE) | 4.4634% | 4,982 |
| Retained earnings to average equity (ytd only) | 2.4915% | 4,800 |
| Net charge-offs to loans | 0.1090% | 2,713 |
| Credit loss provision to net charge-offs | 150.0000% | 1,580 |
| Earnings coverage of net charge-offs (x) | 13.5755% | 2,216 |
| Efficiency ratio | 74.4230% | 2,755 |
| Assets per employee ($millions) | 3.5541% | 4,763 |
| Cash dividends to net income (ytd only)* | 44.1790% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 4,711 |
| Loan loss allowance to noncurrent loans | 39.4428% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 1.5991% | 1,901 |
| Noncurrent loans to loans | 2.8070% | 990 |
| Net loans and leases to total assets | 56.3371% | 4,290 |
| Net loans and leases to deposits | 67.0522% | 4,231 |
| Net loans and leases to core deposits | 68.5188% | 4,458 |
| Total domestic deposits to total assets | 84.0197% | 3,754 |
| Equity capital to assets | 11.8032% | 2,217 |
| Core capital (leverage) ratio | 11.7997% | 1,832 |
| Tier 1 risk-based capital ratio | 25.2616% | 859 |
| Total risk-based capital ratio | 26.5136% | 842 |
| Memoranda: | ||
| Average total assets | $85,711,000 | 4,979 |
| Average earning assets | $81,195,250 | 4,920 |
| Average equity | $10,007,250 | 4,784 |
| Average total loans | $48,911,750 | 4,906 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9154% | 4,076 |
| Cost of funding earning assets | 0.7865% | 767 |
| Net interest margin | 3.1289% | 5,164 |
| Noninterest income to average assets | 0.2702% | 5,273 |
| Noninterest expense to average assets | 2.4625% | 4,690 |
| Loan and lease loss provision to assets | 0.0582% | 3,124 |
| Net operating income to assets | 0.5172% | 4,737 |
| Return on assets (ROA) | 0.5172% | 4,834 |
| Pretax return on assets | 0.7152% | 4,592 |
| Return on Equity (ROE) | 4.4458% | 4,947 |
| Retained earnings to average equity (ytd only) | 4.4458% | 3,343 |
| Net charge-offs to loans | 0.1020% | 2,662 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 13.2800% | 1,984 |
| Efficiency ratio | 76.0979% | 2,613 |
| Assets per employee ($millions) | 3.6695% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 5,087 |
| Loan loss allowance to noncurrent loans | 36.4020% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 1.6860% | 1,932 |
| Noncurrent loans to loans | 2.9031% | 1,023 |
| Net loans and leases to total assets | 57.4628% | 4,058 |
| Net loans and leases to deposits | 69.8869% | 3,836 |
| Net loans and leases to core deposits | 71.4635% | 4,106 |
| Total domestic deposits to total assets | 82.2225% | 4,577 |
| Equity capital to assets | 11.9705% | 2,010 |
| Core capital (leverage) ratio | 11.7821% | 1,800 |
| Tier 1 risk-based capital ratio | 25.4985% | 824 |
| Total risk-based capital ratio | 26.7503% | 806 |
| Memoranda: | ||
| Average total assets | $85,848,330 | 5,022 |
| Average earning assets | $81,371,670 | 4,952 |
| Average equity | $9,987,000 | 4,809 |
| Average total loans | $49,018,000 | 4,927 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8671% | 4,219 |
| Cost of funding earning assets | 0.7939% | 769 |
| Net interest margin | 3.0732% | 5,328 |
| Noninterest income to average assets | 0.2587% | 5,286 |
| Noninterest expense to average assets | 2.5042% | 4,607 |
| Loan and lease loss provision to assets | 0.0693% | 2,750 |
| Net operating income to assets | 0.4436% | 4,960 |
| Return on assets (ROA) | 0.4436% | 5,024 |
| Pretax return on assets | 0.6006% | 4,827 |
| Return on Equity (ROE) | 3.8675% | 5,102 |
| Retained earnings to average equity (ytd only) | 3.8675% | 3,800 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8937% | 2,351 |
| Assets per employee ($millions) | 3.5268% | 4,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 5,196 |
| Loan loss allowance to noncurrent loans | 40.2568% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 1.5017% | 2,351 |
| Noncurrent loans to loans | 2.6903% | 1,254 |
| Net loans and leases to total assets | 55.2133% | 4,254 |
| Net loans and leases to deposits | 65.3585% | 4,161 |
| Net loans and leases to core deposits | 66.4996% | 4,450 |
| Total domestic deposits to total assets | 84.4775% | 4,092 |
| Equity capital to assets | 11.3158% | 2,404 |
| Core capital (leverage) ratio | 11.5393% | 1,938 |
| Tier 1 risk-based capital ratio | 24.0676% | 996 |
| Total risk-based capital ratio | 25.3172% | 974 |
| Memoranda: | ||
| Average total assets | $86,573,000 | 5,055 |
| Average earning assets | $82,128,500 | 4,971 |
| Average equity | $9,929,000 | 4,831 |
| Average total loans | $49,019,000 | 4,970 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 3,989 |
| Cost of funding earning assets | 1.1284% | 243 |
| Net interest margin | 2.8998% | 5,786 |
| Noninterest income to average assets | 0.2780% | 5,364 |
| Noninterest expense to average assets | 2.4043% | 5,057 |
| Loan and lease loss provision to assets | 0.0756% | 3,594 |
| Net operating income to assets | 0.4001% | 5,141 |
| Return on assets (ROA) | 0.4001% | 5,258 |
| Pretax return on assets | 0.5362% | 5,086 |
| Return on Equity (ROE) | 3.4686% | 5,335 |
| Retained earnings to average equity (ytd only) | 0.4134% | 5,661 |
| Net charge-offs to loans | 0.0766% | 4,140 |
| Credit loss provision to net charge-offs | 180.5556% | 1,272 |
| Earnings coverage of net charge-offs (x) | 14.6111% | 1,928 |
| Efficiency ratio | 79.7146% | 2,198 |
| Assets per employee ($millions) | 3.5407% | 4,821 |
| Cash dividends to net income (ytd only)* | 88.0814% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 5,307 |
| Loan loss allowance to noncurrent loans | 34.3958% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 1.7722% | 2,087 |
| Noncurrent loans to loans | 3.0845% | 1,118 |
| Net loans and leases to total assets | 56.8460% | 4,207 |
| Net loans and leases to deposits | 68.4134% | 3,989 |
| Net loans and leases to core deposits | 69.4231% | 4,356 |
| Total domestic deposits to total assets | 83.0919% | 4,513 |
| Equity capital to assets | 11.6279% | 2,081 |
| Core capital (leverage) ratio | 11.4334% | 2,011 |
| Tier 1 risk-based capital ratio | 25.5998% | 805 |
| Total risk-based capital ratio | 26.8511% | 792 |
| Memoranda: | ||
| Average total assets | $85,970,000 | 5,084 |
| Average earning assets | $81,177,400 | 5,007 |
| Average equity | $9,917,600 | 4,866 |
| Average total loans | $46,998,000 | 5,068 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0403% | 3,972 |
| Cost of funding earning assets | 1.1998% | 199 |
| Net interest margin | 2.8405% | 5,942 |
| Noninterest income to average assets | 0.2799% | 5,443 |
| Noninterest expense to average assets | 2.3877% | 5,058 |
| Loan and lease loss provision to assets | 0.0619% | 3,806 |
| Net operating income to assets | 0.3835% | 5,311 |
| Return on assets (ROA) | 0.3835% | 5,452 |
| Pretax return on assets | 0.5103% | 5,327 |
| Return on Equity (ROE) | 3.3310% | 5,491 |
| Retained earnings to average equity (ytd only) | 1.4774% | 5,392 |
| Net charge-offs to loans | 0.0401% | 4,341 |
| Credit loss provision to net charge-offs | 285.7143% | 886 |
| Earnings coverage of net charge-offs (x) | 26.4231% | 1,347 |
| Efficiency ratio | 80.6688% | 2,013 |
| Assets per employee ($millions) | 3.9363% | 3,971 |
| Cash dividends to net income (ytd only)* | 55.6463% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 5,468 |
| Loan loss allowance to noncurrent loans | 36.0140% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 1.6513% | 2,491 |
| Noncurrent loans to loans | 2.9556% | 1,376 |
| Net loans and leases to total assets | 55.2749% | 4,420 |
| Net loans and leases to deposits | 65.9053% | 4,320 |
| Net loans and leases to core deposits | 67.5286% | 4,569 |
| Total domestic deposits to total assets | 83.8703% | 4,248 |
| Equity capital to assets | 11.4899% | 2,315 |
| Core capital (leverage) ratio | 11.2983% | 2,202 |
| Tier 1 risk-based capital ratio | 24.0460% | 997 |
| Total risk-based capital ratio | 25.2906% | 980 |
| Memoranda: | ||
| Average total assets | $86,218,250 | 5,120 |
| Average earning assets | $81,344,500 | 5,043 |
| Average equity | $9,926,750 | 4,918 |
| Average total loans | $46,541,500 | 5,131 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 4,094 |
| Cost of funding earning assets | 1.2211% | 201 |
| Net interest margin | 2.7819% | 6,043 |
| Noninterest income to average assets | 0.2672% | 5,542 |
| Noninterest expense to average assets | 2.3603% | 5,177 |
| Loan and lease loss provision to assets | 0.0348% | 4,247 |
| Net operating income to assets | 0.3740% | 5,315 |
| Return on assets (ROA) | 0.3740% | 5,484 |
| Pretax return on assets | 0.4971% | 5,389 |
| Return on Equity (ROE) | 3.2463% | 5,525 |
| Retained earnings to average equity (ytd only) | 3.2463% | 4,241 |
| Net charge-offs to loans | -0.0653% | 6,357 |
| Credit loss provision to net charge-offs | -100.0000% | 5,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6064% | 1,944 |
| Assets per employee ($millions) | 3.7506% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 5,375 |
| Loan loss allowance to noncurrent loans | 45.3671% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 1.3262% | 3,122 |
| Noncurrent loans to loans | 2.4607% | 1,895 |
| Net loans and leases to total assets | 53.2917% | 4,697 |
| Net loans and leases to deposits | 63.7009% | 4,545 |
| Net loans and leases to core deposits | 65.2645% | 4,769 |
| Total domestic deposits to total assets | 83.6593% | 4,467 |
| Equity capital to assets | 11.5936% | 2,221 |
| Core capital (leverage) ratio | 11.5605% | 1,886 |
| Tier 1 risk-based capital ratio | 27.3685% | 667 |
| Total risk-based capital ratio | 28.6219% | 655 |
| Memoranda: | ||
| Average total assets | $86,091,670 | 5,152 |
| Average earning assets | $81,240,330 | 5,080 |
| Average equity | $9,919,000 | 4,967 |
| Average total loans | $45,928,000 | 5,190 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 4,061 |
| Cost of funding earning assets | 1.2327% | 203 |
| Net interest margin | 2.7810% | 6,069 |
| Noninterest income to average assets | 0.2511% | 5,663 |
| Noninterest expense to average assets | 2.3580% | 5,246 |
| Loan and lease loss provision to assets | 0.0465% | 3,834 |
| Net operating income to assets | 0.3535% | 5,334 |
| Return on assets (ROA) | 0.3535% | 5,475 |
| Pretax return on assets | 0.4697% | 5,358 |
| Return on Equity (ROE) | 3.0775% | 5,560 |
| Retained earnings to average equity (ytd only) | 3.0775% | 4,437 |
| Net charge-offs to loans | -0.2454% | 6,730 |
| Credit loss provision to net charge-offs | -35.7143% | 5,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0388% | 2,031 |
| Assets per employee ($millions) | 3.9739% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 5,407 |
| Loan loss allowance to noncurrent loans | 40.3831% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 1.4927% | 3,022 |
| Noncurrent loans to loans | 2.8493% | 1,776 |
| Net loans and leases to total assets | 51.7861% | 4,734 |
| Net loans and leases to deposits | 61.7637% | 4,583 |
| Net loans and leases to core deposits | 63.2292% | 4,822 |
| Total domestic deposits to total assets | 83.8456% | 4,541 |
| Equity capital to assets | 11.3423% | 2,592 |
| Core capital (leverage) ratio | 11.4993% | 1,885 |
| Tier 1 risk-based capital ratio | 27.1932% | 687 |
| Total risk-based capital ratio | 28.4465% | 679 |
| Memoranda: | ||
| Average total assets | $86,006,000 | 5,197 |
| Average earning assets | $81,123,000 | 5,117 |
| Average equity | $9,878,000 | 5,016 |
| Average total loans | $45,647,000 | 5,225 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 4,197 |
| Cost of funding earning assets | 1.4471% | 207 |
| Net interest margin | 2.8510% | 6,310 |
| Noninterest income to average assets | 0.2656% | 5,560 |
| Noninterest expense to average assets | 2.2737% | 5,759 |
| Loan and lease loss provision to assets | 0.1689% | 3,511 |
| Net operating income to assets | 0.4100% | 5,058 |
| Return on assets (ROA) | 0.4100% | 5,315 |
| Pretax return on assets | 0.5149% | 5,232 |
| Return on Equity (ROE) | 3.5720% | 5,317 |
| Retained earnings to average equity (ytd only) | 0.5277% | 5,584 |
| Net charge-offs to loans | 0.2247% | 3,594 |
| Credit loss provision to net charge-offs | 143.5644% | 1,899 |
| Earnings coverage of net charge-offs (x) | 5.8119% | 2,945 |
| Efficiency ratio | 76.8807% | 2,614 |
| Assets per employee ($millions) | 3.8449% | 4,279 |
| Cash dividends to net income (ytd only)* | 85.2273% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 5,653 |
| Loan loss allowance to noncurrent loans | 37.9364% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 1.5239% | 3,092 |
| Noncurrent loans to loans | 2.8334% | 1,857 |
| Net loans and leases to total assets | 53.2044% | 4,730 |
| Net loans and leases to deposits | 64.0845% | 4,521 |
| Net loans and leases to core deposits | 65.9428% | 4,741 |
| Total domestic deposits to total assets | 83.0222% | 4,720 |
| Equity capital to assets | 11.6330% | 2,322 |
| Core capital (leverage) ratio | 11.3529% | 1,978 |
| Tier 1 risk-based capital ratio | 27.0493% | 685 |
| Total risk-based capital ratio | 28.3001% | 677 |
| Memoranda: | ||
| Average total assets | $85,850,000 | 5,195 |
| Average earning assets | $81,058,000 | 5,100 |
| Average equity | $9,854,400 | 5,007 |
| Average total loans | $44,944,200 | 5,286 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2622% | 4,598 |
| Cost of funding earning assets | 1.4595% | 239 |
| Net interest margin | 2.8027% | 6,496 |
| Noninterest income to average assets | 0.2661% | 5,651 |
| Noninterest expense to average assets | 2.3938% | 5,417 |
| Loan and lease loss provision to assets | 0.0851% | 4,546 |
| Net operating income to assets | 0.3358% | 5,493 |
| Return on assets (ROA) | 0.3358% | 5,691 |
| Pretax return on assets | 0.4348% | 5,636 |
| Return on Equity (ROE) | 2.9350% | 5,702 |
| Retained earnings to average equity (ytd only) | 1.3660% | 5,628 |
| Net charge-offs to loans | 0.1220% | 4,154 |
| Credit loss provision to net charge-offs | 134.1463% | 2,145 |
| Earnings coverage of net charge-offs (x) | 8.1944% | 2,489 |
| Efficiency ratio | 82.1561% | 1,790 |
| Assets per employee ($millions) | 3.9489% | 3,978 |
| Cash dividends to net income (ytd only)* | 53.4545% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 6,008 |
| Loan loss allowance to noncurrent loans | 29.5177% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 1.7899% | 2,928 |
| Noncurrent loans to loans | 3.4542% | 1,576 |
| Net loans and leases to total assets | 51.2903% | 5,144 |
| Net loans and leases to deposits | 61.5430% | 5,021 |
| Net loans and leases to core deposits | 63.2770% | 5,237 |
| Total domestic deposits to total assets | 83.3406% | 4,504 |
| Equity capital to assets | 11.3829% | 2,868 |
| Core capital (leverage) ratio | 11.4295% | 2,035 |
| Tier 1 risk-based capital ratio | 27.1311% | 735 |
| Total risk-based capital ratio | 28.3821% | 714 |
| Memoranda: | ||
| Average total assets | $86,165,750 | 5,233 |
| Average earning assets | $81,395,500 | 5,129 |
| Average equity | $9,858,000 | 5,058 |
| Average total loans | $44,807,000 | 5,355 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1861% | 4,999 |
| Cost of funding earning assets | 1.4635% | 275 |
| Net interest margin | 2.7225% | 6,683 |
| Noninterest income to average assets | 0.2677% | 5,660 |
| Noninterest expense to average assets | 2.3717% | 5,560 |
| Loan and lease loss provision to assets | 0.0582% | 4,928 |
| Net operating income to assets | 0.3189% | 5,551 |
| Return on assets (ROA) | 0.3189% | 5,755 |
| Pretax return on assets | 0.4096% | 5,692 |
| Return on Equity (ROE) | 2.7824% | 5,774 |
| Retained earnings to average equity (ytd only) | 2.7824% | 4,770 |
| Net charge-offs to loans | 0.3353% | 2,679 |
| Credit loss provision to net charge-offs | 33.3333% | 4,386 |
| Earnings coverage of net charge-offs (x) | 2.6800% | 3,670 |
| Efficiency ratio | 83.5246% | 1,682 |
| Assets per employee ($millions) | 3.9593% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 6,523 |
| Loan loss allowance to noncurrent loans | 22.6231% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 2.0045% | 2,771 |
| Noncurrent loans to loans | 3.8604% | 1,446 |
| Net loans and leases to total assets | 51.4718% | 5,161 |
| Net loans and leases to deposits | 61.9382% | 5,003 |
| Net loans and leases to core deposits | 64.2966% | 5,180 |
| Total domestic deposits to total assets | 83.1018% | 4,712 |
| Equity capital to assets | 11.3944% | 2,694 |
| Core capital (leverage) ratio | 11.4605% | 1,927 |
| Tier 1 risk-based capital ratio | 26.8164% | 742 |
| Total risk-based capital ratio | 27.8836% | 749 |
| Memoranda: | ||
| Average total assets | $85,929,000 | 5,278 |
| Average earning assets | $81,174,000 | 5,173 |
| Average equity | $9,847,670 | 5,061 |
| Average total loans | $44,736,670 | 5,394 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1672% | 5,223 |
| Cost of funding earning assets | 1.4883% | 302 |
| Net interest margin | 2.6789% | 6,799 |
| Noninterest income to average assets | 0.2812% | 5,617 |
| Noninterest expense to average assets | 2.4701% | 5,246 |
| Loan and lease loss provision to assets | 0.0703% | 4,524 |
| Net operating income to assets | 0.1969% | 5,997 |
| Return on assets (ROA) | 0.1969% | 6,143 |
| Pretax return on assets | 0.2718% | 6,034 |
| Return on Equity (ROE) | 1.7127% | 6,154 |
| Retained earnings to average equity (ytd only) | 1.7127% | 5,375 |
| Net charge-offs to loans | 0.1708% | 3,063 |
| Credit loss provision to net charge-offs | 78.9474% | 2,736 |
| Earnings coverage of net charge-offs (x) | 3.8421% | 2,730 |
| Efficiency ratio | 87.8333% | 1,298 |
| Assets per employee ($millions) | 4.0058% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 6,270 |
| Loan loss allowance to noncurrent loans | 26.5343% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 1.8859% | 3,065 |
| Noncurrent loans to loans | 3.7486% | 1,658 |
| Net loans and leases to total assets | 49.8094% | 5,334 |
| Net loans and leases to deposits | 59.6397% | 5,195 |
| Net loans and leases to core deposits | 60.8079% | 5,454 |
| Total domestic deposits to total assets | 83.5172% | 4,706 |
| Equity capital to assets | 11.1542% | 2,752 |
| Core capital (leverage) ratio | 11.6529% | 1,802 |
| Tier 1 risk-based capital ratio | 26.7935% | 746 |
| Total risk-based capital ratio | 27.9955% | 738 |
| Memoranda: | ||
| Average total assets | $85,341,500 | 5,328 |
| Average earning assets | $80,629,000 | 5,228 |
| Average equity | $9,809,000 | 5,087 |
| Average total loans | $44,490,500 | 5,446 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6730% | 4,364 |
| Cost of funding earning assets | 1.7001% | 322 |
| Net interest margin | 2.9729% | 6,572 |
| Noninterest income to average assets | 0.3387% | 5,107 |
| Noninterest expense to average assets | 2.3900% | 5,799 |
| Loan and lease loss provision to assets | 0.1451% | 4,797 |
| Net operating income to assets | 0.4524% | 4,632 |
| Return on assets (ROA) | 0.4524% | 4,841 |
| Pretax return on assets | 0.5806% | 4,743 |
| Return on Equity (ROE) | 3.8136% | 4,939 |
| Retained earnings to average equity (ytd only) | 0.7342% | 5,508 |
| Net charge-offs to loans | 0.4171% | 3,340 |
| Credit loss provision to net charge-offs | 63.1579% | 5,083 |
| Earnings coverage of net charge-offs (x) | 3.1579% | 3,631 |
| Efficiency ratio | 76.7081% | 2,788 |
| Assets per employee ($millions) | 3.7525% | 4,430 |
| Cash dividends to net income (ytd only)* | 80.7487% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 6,234 |
| Loan loss allowance to noncurrent loans | 28.0580% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 1.9211% | 3,077 |
| Noncurrent loans to loans | 3.5525% | 1,802 |
| Net loans and leases to total assets | 53.5389% | 5,105 |
| Net loans and leases to deposits | 65.2548% | 4,841 |
| Net loans and leases to core deposits | 67.9828% | 5,030 |
| Total domestic deposits to total assets | 82.0459% | 5,114 |
| Equity capital to assets | 11.8563% | 2,232 |
| Core capital (leverage) ratio | 11.7202% | 1,754 |
| Tier 1 risk-based capital ratio | 26.9627% | 711 |
| Total risk-based capital ratio | 28.1885% | 687 |
| Memoranda: | ||
| Average total assets | $82,679,200 | 5,376 |
| Average earning assets | $77,231,200 | 5,309 |
| Average equity | $9,807,000 | 5,070 |
| Average total loans | $45,556,400 | 5,440 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7024% | 4,452 |
| Cost of funding earning assets | 1.7249% | 355 |
| Net interest margin | 2.9775% | 6,622 |
| Noninterest income to average assets | 0.3546% | 5,020 |
| Noninterest expense to average assets | 2.3987% | 5,766 |
| Loan and lease loss provision to assets | 0.1854% | 4,177 |
| Net operating income to assets | 0.4320% | 4,850 |
| Return on assets (ROA) | 0.4320% | 5,044 |
| Pretax return on assets | 0.5449% | 4,995 |
| Return on Equity (ROE) | 3.6418% | 5,156 |
| Retained earnings to average equity (ytd only) | 1.7393% | 5,275 |
| Net charge-offs to loans | 0.4397% | 2,969 |
| Credit loss provision to net charge-offs | 76.1589% | 4,272 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,638 |
| Efficiency ratio | 76.6615% | 2,732 |
| Assets per employee ($millions) | 3.8201% | 4,262 |
| Cash dividends to net income (ytd only)* | 52.2389% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 5,985 |
| Loan loss allowance to noncurrent loans | 35.3245% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 1.6135% | 3,662 |
| Noncurrent loans to loans | 3.0336% | 2,282 |
| Net loans and leases to total assets | 52.6171% | 5,371 |
| Net loans and leases to deposits | 64.0262% | 5,166 |
| Net loans and leases to core deposits | 66.0952% | 5,409 |
| Total domestic deposits to total assets | 82.1806% | 5,023 |
| Equity capital to assets | 11.7131% | 2,482 |
| Core capital (leverage) ratio | 11.7592% | 1,850 |
| Tier 1 risk-based capital ratio | 25.5463% | 870 |
| Total risk-based capital ratio | 26.7893% | 857 |
| Memoranda: | ||
| Average total assets | $82,710,250 | 5,419 |
| Average earning assets | $77,065,000 | 5,354 |
| Average equity | $9,811,750 | 5,094 |
| Average total loans | $45,784,500 | 5,478 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7258% | 4,417 |
| Cost of funding earning assets | 1.7291% | 422 |
| Net interest margin | 2.9966% | 6,617 |
| Noninterest income to average assets | 0.3647% | 4,959 |
| Noninterest expense to average assets | 2.3874% | 5,879 |
| Loan and lease loss provision to assets | 0.1945% | 3,986 |
| Net operating income to assets | 0.4571% | 4,685 |
| Return on assets (ROA) | 0.4571% | 4,818 |
| Pretax return on assets | 0.5762% | 4,827 |
| Return on Equity (ROE) | 3.8363% | 5,005 |
| Retained earnings to average equity (ytd only) | 3.8363% | 3,762 |
| Net charge-offs to loans | 0.6111% | 2,301 |
| Credit loss provision to net charge-offs | 56.7376% | 4,420 |
| Earnings coverage of net charge-offs (x) | 2.2482% | 3,706 |
| Efficiency ratio | 75.5966% | 3,088 |
| Assets per employee ($millions) | 3.8987% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 6,358 |
| Loan loss allowance to noncurrent loans | 52.8522% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 1.0492% | 4,787 |
| Noncurrent loans to loans | 1.8847% | 3,628 |
| Net loans and leases to total assets | 55.1153% | 5,130 |
| Net loans and leases to deposits | 67.7690% | 4,746 |
| Net loans and leases to core deposits | 70.1587% | 5,055 |
| Total domestic deposits to total assets | 81.3282% | 5,413 |
| Equity capital to assets | 12.0969% | 2,031 |
| Core capital (leverage) ratio | 11.8675% | 1,686 |
| Tier 1 risk-based capital ratio | 25.4595% | 855 |
| Total risk-based capital ratio | 26.6266% | 853 |
| Memoranda: | ||
| Average total assets | $82,266,000 | 5,481 |
| Average earning assets | $76,685,670 | 5,408 |
| Average equity | $9,801,000 | 5,099 |
| Average total loans | $46,146,000 | 5,516 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7041% | 4,509 |
| Cost of funding earning assets | 1.7394% | 474 |
| Net interest margin | 2.9647% | 6,649 |
| Noninterest income to average assets | 0.3978% | 4,713 |
| Noninterest expense to average assets | 2.4302% | 5,795 |
| Loan and lease loss provision to assets | 0.3153% | 2,652 |
| Net operating income to assets | 0.3250% | 5,290 |
| Return on assets (ROA) | 0.3250% | 5,368 |
| Pretax return on assets | 0.4220% | 5,274 |
| Return on Equity (ROE) | 2.7489% | 5,493 |
| Retained earnings to average equity (ytd only) | 2.7489% | 4,519 |
| Net charge-offs to loans | 0.4394% | 2,380 |
| Credit loss provision to net charge-offs | 127.4510% | 2,167 |
| Earnings coverage of net charge-offs (x) | 2.9804% | 2,893 |
| Efficiency ratio | 76.7228% | 3,027 |
| Assets per employee ($millions) | 3.8902% | 4,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 5,857 |
| Loan loss allowance to noncurrent loans | 68.5233% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 0.9020% | 5,099 |
| Noncurrent loans to loans | 1.6757% | 3,969 |
| Net loans and leases to total assets | 53.2132% | 5,418 |
| Net loans and leases to deposits | 64.7722% | 5,160 |
| Net loans and leases to core deposits | 67.1760% | 5,389 |
| Total domestic deposits to total assets | 82.1544% | 5,249 |
| Equity capital to assets | 11.4309% | 2,325 |
| Core capital (leverage) ratio | 11.7970% | 1,678 |
| Tier 1 risk-based capital ratio | 25.0596% | 871 |
| Total risk-based capital ratio | 26.3121% | 853 |
| Memoranda: | ||
| Average total assets | $82,463,000 | 5,510 |
| Average earning assets | $77,039,000 | 5,445 |
| Average equity | $9,749,500 | 5,106 |
| Average total loans | $46,430,000 | 5,549 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1765% | 3,718 |
| Cost of funding earning assets | 1.9864% | 637 |
| Net interest margin | 3.1901% | 6,288 |
| Noninterest income to average assets | 0.3171% | 5,526 |
| Noninterest expense to average assets | 2.5009% | 5,791 |
| Loan and lease loss provision to assets | 0.0959% | 6,187 |
| Net operating income to assets | 0.5536% | 3,876 |
| Return on assets (ROA) | 0.5536% | 4,029 |
| Pretax return on assets | 0.6751% | 4,068 |
| Return on Equity (ROE) | 4.4657% | 4,314 |
| Retained earnings to average equity (ytd only) | 1.3201% | 4,884 |
| Net charge-offs to loans | 0.1111% | 5,766 |
| Credit loss provision to net charge-offs | 147.0588% | 2,494 |
| Earnings coverage of net charge-offs (x) | 11.8235% | 1,570 |
| Efficiency ratio | 76.4361% | 2,980 |
| Assets per employee ($millions) | 3.6065% | 4,690 |
| Cash dividends to net income (ytd only)* | 70.4388% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 5,950 |
| Loan loss allowance to noncurrent loans | 53.9832% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 1.2024% | 4,620 |
| Noncurrent loans to loans | 2.0389% | 3,502 |
| Net loans and leases to total assets | 58.3222% | 4,977 |
| Net loans and leases to deposits | 72.5867% | 4,416 |
| Net loans and leases to core deposits | 75.5321% | 4,782 |
| Total domestic deposits to total assets | 80.3484% | 5,738 |
| Equity capital to assets | 12.2457% | 1,770 |
| Core capital (leverage) ratio | 12.2232% | 1,419 |
| Tier 1 risk-based capital ratio | 25.4279% | 810 |
| Total risk-based capital ratio | 26.6789% | 784 |
| Memoranda: | ||
| Average total assets | $78,213,400 | 5,638 |
| Average earning assets | $72,442,200 | 5,588 |
| Average equity | $9,696,200 | 5,209 |
| Average total loans | $45,897,600 | 5,652 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1788% | 3,944 |
| Cost of funding earning assets | 2.0141% | 718 |
| Net interest margin | 3.1647% | 6,444 |
| Noninterest income to average assets | 0.3216% | 5,581 |
| Noninterest expense to average assets | 2.5201% | 5,636 |
| Loan and lease loss provision to assets | 0.0941% | 6,081 |
| Net operating income to assets | 0.5133% | 4,248 |
| Return on assets (ROA) | 0.5133% | 4,440 |
| Pretax return on assets | 0.6296% | 4,486 |
| Return on Equity (ROE) | 4.1273% | 4,710 |
| Retained earnings to average equity (ytd only) | 2.2150% | 4,842 |
| Net charge-offs to loans | 0.1576% | 5,055 |
| Credit loss provision to net charge-offs | 101.8519% | 4,229 |
| Earnings coverage of net charge-offs (x) | 7.8332% | 2,255 |
| Efficiency ratio | 77.6899% | 2,664 |
| Assets per employee ($millions) | 3.6919% | 4,525 |
| Cash dividends to net income (ytd only)* | 46.3337% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 6,104 |
| Loan loss allowance to noncurrent loans | 37.9045% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 1.5981% | 4,053 |
| Noncurrent loans to loans | 2.8038% | 2,846 |
| Net loans and leases to total assets | 56.3918% | 5,494 |
| Net loans and leases to deposits | 69.9171% | 5,155 |
| Net loans and leases to core deposits | 72.6347% | 5,446 |
| Total domestic deposits to total assets | 80.6552% | 5,495 |
| Equity capital to assets | 12.0031% | 2,160 |
| Core capital (leverage) ratio | 12.3479% | 1,484 |
| Tier 1 risk-based capital ratio | 24.6617% | 880 |
| Total risk-based capital ratio | 25.9063% | 867 |
| Memoranda: | ||
| Average total assets | $77,931,250 | 5,718 |
| Average earning assets | $71,957,750 | 5,672 |
| Average equity | $9,691,250 | 5,289 |
| Average total loans | $45,674,750 | 5,754 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2400% | 3,760 |
| Cost of funding earning assets | 2.0477% | 778 |
| Net interest margin | 3.1923% | 6,340 |
| Noninterest income to average assets | 0.3176% | 5,617 |
| Noninterest expense to average assets | 2.5197% | 5,646 |
| Loan and lease loss provision to assets | 0.1041% | 5,875 |
| Net operating income to assets | 0.4972% | 4,342 |
| Return on assets (ROA) | 0.4972% | 4,497 |
| Pretax return on assets | 0.6195% | 4,509 |
| Return on Equity (ROE) | 3.9495% | 4,799 |
| Retained earnings to average equity (ytd only) | 3.9495% | 3,567 |
| Net charge-offs to loans | 0.1232% | 4,956 |
| Credit loss provision to net charge-offs | 142.8571% | 2,780 |
| Earnings coverage of net charge-offs (x) | 9.9286% | 1,956 |
| Efficiency ratio | 77.6886% | 2,775 |
| Assets per employee ($millions) | 3.5384% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 5,994 |
| Loan loss allowance to noncurrent loans | 36.3702% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 1.7766% | 3,793 |
| Noncurrent loans to loans | 2.9932% | 2,683 |
| Net loans and leases to total assets | 58.7084% | 5,299 |
| Net loans and leases to deposits | 71.4391% | 5,083 |
| Net loans and leases to core deposits | 74.2502% | 5,416 |
| Total domestic deposits to total assets | 82.1797% | 4,917 |
| Equity capital to assets | 12.5623% | 1,761 |
| Core capital (leverage) ratio | 12.5165% | 1,403 |
| Tier 1 risk-based capital ratio | 24.7194% | 870 |
| Total risk-based capital ratio | 25.9707% | 853 |
| Memoranda: | ||
| Average total assets | $76,834,670 | 5,778 |
| Average earning assets | $70,419,670 | 5,754 |
| Average equity | $9,672,000 | 5,293 |
| Average total loans | $45,468,330 | 5,793 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1134% | 4,464 |
| Cost of funding earning assets | 2.0798% | 861 |
| Net interest margin | 3.0335% | 6,756 |
| Noninterest income to average assets | 0.3039% | 5,721 |
| Noninterest expense to average assets | 2.5678% | 5,486 |
| Loan and lease loss provision to assets | 0.1310% | 5,262 |
| Net operating income to assets | 0.3197% | 5,210 |
| Return on assets (ROA) | 0.3197% | 5,343 |
| Pretax return on assets | 0.3721% | 5,373 |
| Return on Equity (ROE) | 2.5368% | 5,541 |
| Retained earnings to average equity (ytd only) | 2.5368% | 4,608 |
| Net charge-offs to loans | 0.0798% | 4,623 |
| Credit loss provision to net charge-offs | 277.7778% | 1,426 |
| Earnings coverage of net charge-offs (x) | 10.6667% | 1,721 |
| Efficiency ratio | 83.6177% | 2,058 |
| Assets per employee ($millions) | 3.6190% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 5,976 |
| Loan loss allowance to noncurrent loans | 33.7550% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 1.8865% | 3,657 |
| Noncurrent loans to loans | 3.2785% | 2,433 |
| Net loans and leases to total assets | 56.9048% | 5,625 |
| Net loans and leases to deposits | 68.8996% | 5,481 |
| Net loans and leases to core deposits | 71.4960% | 5,769 |
| Total domestic deposits to total assets | 82.5908% | 4,806 |
| Equity capital to assets | 12.1190% | 1,971 |
| Core capital (leverage) ratio | 12.4420% | 1,429 |
| Tier 1 risk-based capital ratio | 24.3619% | 924 |
| Total risk-based capital ratio | 25.6116% | 904 |
| Memoranda: | ||
| Average total assets | $76,330,000 | 5,869 |
| Average earning assets | $69,621,500 | 5,859 |
| Average equity | $9,618,500 | 5,341 |
| Average total loans | $45,100,500 | 5,879 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4737% | 4,301 |
| Cost of funding earning assets | 2.3516% | 1,452 |
| Net interest margin | 3.1220% | 6,306 |
| Noninterest income to average assets | 0.3358% | 5,692 |
| Noninterest expense to average assets | 2.6362% | 5,644 |
| Loan and lease loss provision to assets | 0.1804% | 5,896 |
| Net operating income to assets | 0.3163% | 4,468 |
| Return on assets (ROA) | 0.3163% | 4,553 |
| Pretax return on assets | 0.4038% | 4,486 |
| Return on Equity (ROE) | 2.3481% | 4,768 |
| Retained earnings to average equity (ytd only) | -1.2153% | 5,314 |
| Net charge-offs to loans | 0.4136% | 4,159 |
| Credit loss provision to net charge-offs | 71.8232% | 6,455 |
| Earnings coverage of net charge-offs (x) | 2.3260% | 3,982 |
| Efficiency ratio | 81.8613% | 2,622 |
| Assets per employee ($millions) | 3.3200% | 5,457 |
| Cash dividends to net income (ytd only)* | 151.7544% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 5,864 |
| Loan loss allowance to noncurrent loans | 39.2173% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 1.7141% | 3,797 |
| Noncurrent loans to loans | 2.8206% | 2,737 |
| Net loans and leases to total assets | 60.0978% | 5,321 |
| Net loans and leases to deposits | 74.5035% | 4,951 |
| Net loans and leases to core deposits | 87.6063% | 5,372 |
| Total domestic deposits to total assets | 80.6643% | 5,451 |
| Equity capital to assets | 13.1269% | 1,459 |
| Core capital (leverage) ratio | 13.1190% | 1,221 |
| Tier 1 risk-based capital ratio | 24.8748% | 854 |
| Total risk-based capital ratio | 26.1331% | 831 |
| Memoranda: | ||
| Average total assets | $72,073,600 | 5,941 |
| Average earning assets | $66,591,600 | 5,910 |
| Average equity | $9,709,800 | 5,378 |
| Average total loans | $43,760,000 | 5,943 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5597% | 4,097 |
| Cost of funding earning assets | 2.4148% | 1,578 |
| Net interest margin | 3.1449% | 6,198 |
| Noninterest income to average assets | 0.3360% | 5,798 |
| Noninterest expense to average assets | 2.6914% | 5,368 |
| Loan and lease loss provision to assets | 0.1671% | 5,686 |
| Net operating income to assets | 0.3007% | 4,790 |
| Return on assets (ROA) | 0.3007% | 4,894 |
| Pretax return on assets | 0.3879% | 4,828 |
| Return on Equity (ROE) | 2.2175% | 5,090 |
| Retained earnings to average equity (ytd only) | -0.1369% | 5,242 |
| Net charge-offs to loans | 0.2018% | 4,791 |
| Credit loss provision to net charge-offs | 136.3636% | 3,635 |
| Earnings coverage of net charge-offs (x) | 4.5302% | 3,105 |
| Efficiency ratio | 82.9045% | 2,441 |
| Assets per employee ($millions) | 3.4941% | 4,947 |
| Cash dividends to net income (ytd only)* | 106.1762% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 4,728 |
| Loan loss allowance to noncurrent loans | 54.2665% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 1.4214% | 4,262 |
| Noncurrent loans to loans | 2.3292% | 3,228 |
| Net loans and leases to total assets | 60.2568% | 5,545 |
| Net loans and leases to deposits | 74.9377% | 5,219 |
| Net loans and leases to core deposits | 88.3432% | 5,609 |
| Total domestic deposits to total assets | 80.4091% | 5,287 |
| Equity capital to assets | 13.2141% | 1,616 |
| Core capital (leverage) ratio | 13.2911% | 1,294 |
| Tier 1 risk-based capital ratio | 25.1740% | 877 |
| Total risk-based capital ratio | 26.4254% | 858 |
| Memoranda: | ||
| Average total assets | $71,831,750 | 5,987 |
| Average earning assets | $66,476,250 | 5,955 |
| Average equity | $9,740,250 | 5,419 |
| Average total loans | $43,603,250 | 5,993 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6439% | 3,850 |
| Cost of funding earning assets | 2.4844% | 1,671 |
| Net interest margin | 3.1595% | 6,062 |
| Noninterest income to average assets | 0.3337% | 5,841 |
| Noninterest expense to average assets | 2.7090% | 5,352 |
| Loan and lease loss provision to assets | 0.1542% | 5,527 |
| Net operating income to assets | 0.3057% | 4,871 |
| Return on assets (ROA) | 0.3057% | 4,983 |
| Pretax return on assets | 0.3842% | 4,979 |
| Return on Equity (ROE) | 2.2348% | 5,206 |
| Retained earnings to average equity (ytd only) | 2.2348% | 4,095 |
| Net charge-offs to loans | 0.3147% | 3,613 |
| Credit loss provision to net charge-offs | 80.8824% | 5,176 |
| Earnings coverage of net charge-offs (x) | 2.8235% | 3,680 |
| Efficiency ratio | 83.4197% | 2,553 |
| Assets per employee ($millions) | 3.5118% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 4,773 |
| Loan loss allowance to noncurrent loans | 24.6965% | 6,862 |
| Noncurrent assets plus other real estate owned to assets | 2.9045% | 2,196 |
| Noncurrent loans to loans | 4.9668% | 1,240 |
| Net loans and leases to total assets | 57.7610% | 5,997 |
| Net loans and leases to deposits | 72.0140% | 5,734 |
| Net loans and leases to core deposits | 85.9868% | 5,906 |
| Total domestic deposits to total assets | 80.2080% | 5,390 |
| Equity capital to assets | 13.3090% | 1,556 |
| Core capital (leverage) ratio | 13.6488% | 1,230 |
| Tier 1 risk-based capital ratio | 25.5672% | 892 |
| Total risk-based capital ratio | 26.8176% | 872 |
| Memoranda: | ||
| Average total assets | $71,317,000 | 6,050 |
| Average earning assets | $65,769,670 | 6,017 |
| Average equity | $9,755,000 | 5,435 |
| Average total loans | $43,211,000 | 6,055 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7333% | 3,626 |
| Cost of funding earning assets | 2.5613% | 1,693 |
| Net interest margin | 3.1720% | 5,947 |
| Noninterest income to average assets | 0.3195% | 5,892 |
| Noninterest expense to average assets | 2.5905% | 5,495 |
| Loan and lease loss provision to assets | 0.3138% | 3,460 |
| Net operating income to assets | 0.2168% | 5,608 |
| Return on assets (ROA) | 0.2168% | 5,768 |
| Pretax return on assets | 0.3195% | 5,624 |
| Return on Equity (ROE) | 1.5630% | 5,937 |
| Retained earnings to average equity (ytd only) | 1.5630% | 4,976 |
| Net charge-offs to loans | 0.3977% | 2,505 |
| Credit loss provision to net charge-offs | 127.9070% | 3,123 |
| Earnings coverage of net charge-offs (x) | 2.5814% | 3,466 |
| Efficiency ratio | 80.3540% | 2,766 |
| Assets per employee ($millions) | 3.4397% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 4,159 |
| Loan loss allowance to noncurrent loans | 24.7764% | 6,923 |
| Noncurrent assets plus other real estate owned to assets | 3.0955% | 1,822 |
| Noncurrent loans to loans | 5.1869% | 1,029 |
| Net loans and leases to total assets | 58.9127% | 5,818 |
| Net loans and leases to deposits | 73.8982% | 5,491 |
| Net loans and leases to core deposits | 88.3801% | 5,700 |
| Total domestic deposits to total assets | 79.7215% | 5,457 |
| Equity capital to assets | 13.4895% | 1,534 |
| Core capital (leverage) ratio | 13.9523% | 1,199 |
| Tier 1 risk-based capital ratio | 25.0109% | 981 |
| Total risk-based capital ratio | 26.2558% | 958 |
| Memoranda: | ||
| Average total assets | $70,102,000 | 6,112 |
| Average earning assets | $64,186,000 | 6,100 |
| Average equity | $9,725,000 | 5,469 |
| Average total loans | $43,253,500 | 6,084 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4226% | 3,305 |
| Cost of funding earning assets | 2.7201% | 3,065 |
| Net interest margin | 3.7024% | 4,464 |
| Noninterest income to average assets | 0.3692% | 5,749 |
| Noninterest expense to average assets | 2.7411% | 5,088 |
| Loan and lease loss provision to assets | 0.1255% | 5,764 |
| Net operating income to assets | 0.6882% | 3,942 |
| Return on assets (ROA) | 0.6882% | 3,781 |
| Pretax return on assets | 0.9260% | 3,637 |
| Return on Equity (ROE) | 4.7851% | 4,479 |
| Retained earnings to average equity (ytd only) | 1.2836% | 4,446 |
| Net charge-offs to loans | 0.0444% | 6,149 |
| Credit loss provision to net charge-offs | 447.3684% | 982 |
| Earnings coverage of net charge-offs (x) | 37.4737% | 988 |
| Efficiency ratio | 72.2741% | 3,883 |
| Assets per employee ($millions) | 3.3985% | 4,944 |
| Cash dividends to net income (ytd only)* | 73.1760% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 4,158 |
| Loan loss allowance to noncurrent loans | 38.9928% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 2.0450% | 2,404 |
| Noncurrent loans to loans | 3.2029% | 1,645 |
| Net loans and leases to total assets | 63.0513% | 5,444 |
| Net loans and leases to deposits | 80.9169% | 4,888 |
| Net loans and leases to core deposits | 97.9476% | 5,047 |
| Total domestic deposits to total assets | 77.9211% | 5,740 |
| Equity capital to assets | 14.2798% | 1,358 |
| Core capital (leverage) ratio | 14.1532% | 1,227 |
| Tier 1 risk-based capital ratio | 25.5529% | 944 |
| Total risk-based capital ratio | 26.8060% | 920 |
| Memoranda: | ||
| Average total assets | $67,711,200 | 6,096 |
| Average earning assets | $62,607,400 | 6,070 |
| Average equity | $9,738,600 | 5,497 |
| Average total loans | $42,773,400 | 6,034 |