Home > Citizens Bank > Performance and Condition Ratios
Citizens Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2375% | 470 |
| Cost of funding earning assets | 0.9710% | 3,367 |
| Net interest margin | 5.2665% | 248 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 3.0333% | 1,077 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 2.1287% | 377 |
| Return on assets (ROA) | 2.1287% | 370 |
| Pretax return on assets | 2.1287% | 542 |
| Return on Equity (ROE) | 27.5100% | 235 |
| Retained earnings to average equity (ytd only) | 4.8442% | 2,652 |
| Net charge-offs to loans | 0.0266% | 1,788 |
| Credit loss provision to net charge-offs | 631.5789% | 571 |
| Earnings coverage of net charge-offs (x) | 113.6316% | 844 |
| Efficiency ratio | 56.4320% | 3,451 |
| Assets per employee ($millions) | 4.4320% | 3,986 |
| Cash dividends to net income (ytd only)* | 82.3933% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 2,808 |
| Loan loss allowance to noncurrent loans | 617.1103% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 1,359 |
| Noncurrent loans to loans | 0.1790% | 2,623 |
| Net loans and leases to total assets | 76.2400% | 1,085 |
| Net loans and leases to deposits | 87.2318% | 1,513 |
| Net loans and leases to core deposits | 89.5061% | 2,085 |
| Total domestic deposits to total assets | 87.3900% | 1,561 |
| Equity capital to assets | 8.9874% | 2,683 |
| Core capital (leverage) ratio | 9.0521% | 3,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8768% | 2,281 |
| Memoranda: | ||
| Average total assets | $191,575,000 | 3,040 |
| Average earning assets | $174,556,200 | 3,057 |
| Average equity | $14,821,800 | 3,283 |
| Average total loans | $142,754,600 | 2,738 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9923% | 538 |
| Cost of funding earning assets | 0.9003% | 3,271 |
| Net interest margin | 5.0920% | 281 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.9026% | 1,224 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 2.1512% | 402 |
| Return on assets (ROA) | 2.1512% | 396 |
| Pretax return on assets | 2.1512% | 596 |
| Return on Equity (ROE) | 28.9700% | 248 |
| Retained earnings to average equity (ytd only) | 3.6970% | 3,338 |
| Net charge-offs to loans | 0.0358% | 1,382 |
| Credit loss provision to net charge-offs | 473.6842% | 666 |
| Earnings coverage of net charge-offs (x) | 86.1842% | 997 |
| Efficiency ratio | 55.0933% | 3,479 |
| Assets per employee ($millions) | 4.3295% | 4,033 |
| Cash dividends to net income (ytd only)* | 87.2375% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 2,995 |
| Loan loss allowance to noncurrent loans | 430.0836% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.4765% | 1,216 |
| Noncurrent loans to loans | 0.2499% | 2,342 |
| Net loans and leases to total assets | 76.3500% | 1,078 |
| Net loans and leases to deposits | 84.7539% | 1,669 |
| Net loans and leases to core deposits | 86.6622% | 2,144 |
| Total domestic deposits to total assets | 90.0800% | 919 |
| Equity capital to assets | 7.7097% | 3,237 |
| Core capital (leverage) ratio | 7.7739% | 4,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0607% | 2,815 |
| Memoranda: | ||
| Average total assets | $191,824,250 | 3,046 |
| Average earning assets | $175,197,000 | 3,062 |
| Average equity | $14,245,250 | 3,316 |
| Average total loans | $141,715,250 | 2,754 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7235% | 616 |
| Cost of funding earning assets | 0.7939% | 3,221 |
| Net interest margin | 4.9296% | 340 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.7815% | 1,458 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 2.1744% | 369 |
| Return on assets (ROA) | 2.1744% | 361 |
| Pretax return on assets | 2.1744% | 554 |
| Return on Equity (ROE) | 29.6400% | 215 |
| Retained earnings to average equity (ytd only) | 6.7702% | 2,363 |
| Net charge-offs to loans | 0.0198% | 1,496 |
| Credit loss provision to net charge-offs | 857.1429% | 454 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 721 |
| Efficiency ratio | 53.8008% | 3,631 |
| Assets per employee ($millions) | 4.5277% | 3,934 |
| Cash dividends to net income (ytd only)* | 77.1605% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,126 |
| Loan loss allowance to noncurrent loans | 380.8081% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.4959% | 1,094 |
| Noncurrent loans to loans | 0.2791% | 2,146 |
| Net loans and leases to total assets | 73.8300% | 1,314 |
| Net loans and leases to deposits | 82.2982% | 1,805 |
| Net loans and leases to core deposits | 84.1132% | 2,206 |
| Total domestic deposits to total assets | 89.7100% | 1,009 |
| Equity capital to assets | 7.5761% | 3,482 |
| Core capital (leverage) ratio | 7.7669% | 4,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0521% | 2,842 |
| Memoranda: | ||
| Average total assets | $193,710,000 | 3,042 |
| Average earning assets | $176,849,667 | 3,048 |
| Average equity | $14,209,333 | 3,336 |
| Average total loans | $141,059,333 | 2,760 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4309% | 687 |
| Cost of funding earning assets | 0.7425% | 2,920 |
| Net interest margin | 4.6884% | 450 |
| Noninterest income to average assets | 0.7900% | 879 |
| Noninterest expense to average assets | 2.7215% | 1,615 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 2.2222% | 355 |
| Return on assets (ROA) | 2.2222% | 352 |
| Pretax return on assets | 2.2222% | 553 |
| Return on Equity (ROE) | 30.7900% | 217 |
| Retained earnings to average equity (ytd only) | 10.2335% | 1,641 |
| Net charge-offs to loans | 0.0028% | 1,918 |
| Credit loss provision to net charge-offs | 6,000.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 1,146.0000% | 89 |
| Efficiency ratio | 52.7464% | 3,722 |
| Assets per employee ($millions) | 4.6109% | 3,955 |
| Cash dividends to net income (ytd only)* | 66.7587% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 3,329 |
| Loan loss allowance to noncurrent loans | 308.8795% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.5267% | 982 |
| Noncurrent loans to loans | 0.3376% | 1,940 |
| Net loans and leases to total assets | 71.6000% | 1,459 |
| Net loans and leases to deposits | 77.4267% | 2,001 |
| Net loans and leases to core deposits | 78.7616% | 2,338 |
| Total domestic deposits to total assets | 92.4700% | 412 |
| Equity capital to assets | 7.4255% | 3,602 |
| Core capital (leverage) ratio | 7.2923% | 4,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2322% | 2,913 |
| Memoranda: | ||
| Average total assets | $195,482,500 | 3,068 |
| Average earning assets | $178,312,000 | 3,078 |
| Average equity | $14,110,500 | 3,380 |
| Average total loans | $140,637,500 | 2,791 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2858% | 1,078 |
| Cost of funding earning assets | 0.4174% | 1,963 |
| Net interest margin | 3.8684% | 1,033 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.6257% | 1,753 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.2672% | 1,540 |
| Return on assets (ROA) | 1.2672% | 1,491 |
| Pretax return on assets | 1.2672% | 2,210 |
| Return on Equity (ROE) | 18.2500% | 667 |
| Retained earnings to average equity (ytd only) | 1.5052% | 4,100 |
| Net charge-offs to loans | -0.0046% | 3,618 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.9698% | 2,368 |
| Assets per employee ($millions) | 4.6978% | 3,895 |
| Cash dividends to net income (ytd only)* | 91.7505% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 3,429 |
| Loan loss allowance to noncurrent loans | 304.7826% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 987 |
| Noncurrent loans to loans | 0.3259% | 1,981 |
| Net loans and leases to total assets | 70.8300% | 1,543 |
| Net loans and leases to deposits | 78.8283% | 1,865 |
| Net loans and leases to core deposits | 80.6930% | 2,096 |
| Total domestic deposits to total assets | 89.8600% | 1,429 |
| Equity capital to assets | 7.0149% | 3,661 |
| Core capital (leverage) ratio | 7.2015% | 4,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7168% | 3,007 |
| Memoranda: | ||
| Average total assets | $196,096,400 | 3,065 |
| Average earning assets | $180,151,000 | 3,061 |
| Average equity | $13,619,800 | 3,514 |
| Average total loans | $131,563,200 | 2,810 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 1,074 |
| Cost of funding earning assets | 0.3805% | 1,434 |
| Net interest margin | 3.7189% | 1,096 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.5843% | 1,750 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.1999% | 1,690 |
| Return on assets (ROA) | 1.1999% | 1,668 |
| Pretax return on assets | 1.1999% | 2,367 |
| Return on Equity (ROE) | 17.3200% | 742 |
| Retained earnings to average equity (ytd only) | -2.6343% | 4,521 |
| Net charge-offs to loans | -0.0021% | 3,274 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.0050% | 2,280 |
| Assets per employee ($millions) | 4.5622% | 4,010 |
| Cash dividends to net income (ytd only)* | 115.2100% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 3,404 |
| Loan loss allowance to noncurrent loans | 426.1146% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.4384% | 1,240 |
| Noncurrent loans to loans | 0.2381% | 2,434 |
| Net loans and leases to total assets | 65.0400% | 1,979 |
| Net loans and leases to deposits | 69.6557% | 2,395 |
| Net loans and leases to core deposits | 71.3329% | 2,543 |
| Total domestic deposits to total assets | 93.3700% | 480 |
| Equity capital to assets | 6.5544% | 3,713 |
| Core capital (leverage) ratio | 6.8143% | 4,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7143% | 3,083 |
| Memoranda: | ||
| Average total assets | $195,793,250 | 3,092 |
| Average earning assets | $180,477,250 | 3,084 |
| Average equity | $13,564,500 | 3,555 |
| Average total loans | $129,164,250 | 2,836 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8960% | 1,119 |
| Cost of funding earning assets | 0.3485% | 1,275 |
| Net interest margin | 3.5475% | 1,186 |
| Noninterest income to average assets | 0.4007% | 2,754 |
| Noninterest expense to average assets | 2.5857% | 1,682 |
| Loan and lease loss provision to assets | 0.0670% | 1,415 |
| Net operating income to assets | 1.0199% | 2,088 |
| Return on assets (ROA) | 1.0199% | 2,057 |
| Pretax return on assets | 1.0199% | 2,654 |
| Return on Equity (ROE) | 14.4522% | 1,010 |
| Retained earnings to average equity (ytd only) | -10.8027% | 4,675 |
| Net charge-offs to loans | -0.0031% | 3,215 |
| Credit loss provision to net charge-offs | -3,250.0000% | 3,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0603% | 2,096 |
| Assets per employee ($millions) | 4.5938% | 4,011 |
| Cash dividends to net income (ytd only)* | 174.7475% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 3,629 |
| Loan loss allowance to noncurrent loans | 351.3514% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 1,200 |
| Noncurrent loans to loans | 0.2827% | 2,330 |
| Net loans and leases to total assets | 65.5877% | 1,744 |
| Net loans and leases to deposits | 70.3557% | 2,166 |
| Net loans and leases to core deposits | 72.2815% | 2,311 |
| Total domestic deposits to total assets | 93.2229% | 461 |
| Equity capital to assets | 6.7163% | 3,933 |
| Core capital (leverage) ratio | 6.6870% | 4,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7885% | 3,041 |
| Memoranda: | ||
| Average total assets | $194,146,000 | 3,128 |
| Average earning assets | $179,055,333 | 3,139 |
| Average equity | $13,700,333 | 3,615 |
| Average total loans | $128,254,000 | 2,865 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8205% | 1,052 |
| Cost of funding earning assets | 0.3426% | 1,269 |
| Net interest margin | 3.4779% | 1,129 |
| Noninterest income to average assets | 0.3970% | 2,711 |
| Noninterest expense to average assets | 2.5960% | 1,618 |
| Loan and lease loss provision to assets | 0.0831% | 987 |
| Net operating income to assets | 0.9249% | 2,179 |
| Return on assets (ROA) | 0.9249% | 2,173 |
| Pretax return on assets | 0.9249% | 2,681 |
| Return on Equity (ROE) | 12.7901% | 1,089 |
| Retained earnings to average equity (ytd only) | -15.9517% | 4,654 |
| Net charge-offs to loans | -0.0032% | 3,205 |
| Credit loss provision to net charge-offs | -4,000.0000% | 3,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6459% | 2,137 |
| Assets per employee ($millions) | 4.7839% | 3,936 |
| Cash dividends to net income (ytd only)* | 224.7191% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 3,735 |
| Loan loss allowance to noncurrent loans | 307.7295% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 1,154 |
| Noncurrent loans to loans | 0.3247% | 2,311 |
| Net loans and leases to total assets | 64.3510% | 1,580 |
| Net loans and leases to deposits | 69.1689% | 2,041 |
| Net loans and leases to core deposits | 70.9756% | 2,213 |
| Total domestic deposits to total assets | 93.0346% | 265 |
| Equity capital to assets | 6.9073% | 4,252 |
| Core capital (leverage) ratio | 6.8753% | 4,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2944% | 3,010 |
| Memoranda: | ||
| Average total assets | $192,452,000 | 3,154 |
| Average earning assets | $177,463,000 | 3,163 |
| Average equity | $13,917,000 | 3,667 |
| Average total loans | $126,952,000 | 2,885 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4849% | 613 |
| Cost of funding earning assets | 0.3690% | 1,768 |
| Net interest margin | 4.1159% | 576 |
| Noninterest income to average assets | 0.4826% | 2,668 |
| Noninterest expense to average assets | 2.7127% | 1,602 |
| Loan and lease loss provision to assets | 0.0384% | 2,279 |
| Net operating income to assets | 1.5036% | 1,005 |
| Return on assets (ROA) | 1.5036% | 1,053 |
| Pretax return on assets | 1.5036% | 1,714 |
| Return on Equity (ROE) | 20.3257% | 293 |
| Retained earnings to average equity (ytd only) | 2.3256% | 3,879 |
| Net charge-offs to loans | 0.0209% | 1,851 |
| Credit loss provision to net charge-offs | 276.9231% | 1,115 |
| Earnings coverage of net charge-offs (x) | 111.3462% | 826 |
| Efficiency ratio | 62.5689% | 2,784 |
| Assets per employee ($millions) | 4.6040% | 4,032 |
| Cash dividends to net income (ytd only)* | 88.5583% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9754% | 3,849 |
| Loan loss allowance to noncurrent loans | 321.0938% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.5245% | 1,275 |
| Noncurrent loans to loans | 0.3038% | 2,502 |
| Net loans and leases to total assets | 66.3151% | 1,435 |
| Net loans and leases to deposits | 71.8021% | 1,928 |
| Net loans and leases to core deposits | 73.7636% | 2,102 |
| Total domestic deposits to total assets | 92.3582% | 109 |
| Equity capital to assets | 7.5682% | 4,566 |
| Core capital (leverage) ratio | 7.2159% | 4,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6306% | 2,962 |
| Memoranda: | ||
| Average total assets | $187,743,800 | 3,145 |
| Average earning assets | $172,064,400 | 3,162 |
| Average equity | $13,888,800 | 3,750 |
| Average total loans | $124,179,000 | 2,911 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5639% | 602 |
| Cost of funding earning assets | 0.3782% | 1,866 |
| Net interest margin | 4.1857% | 560 |
| Noninterest income to average assets | 0.4900% | 2,668 |
| Noninterest expense to average assets | 2.6276% | 1,759 |
| Loan and lease loss provision to assets | 0.0485% | 2,029 |
| Net operating income to assets | 1.6470% | 924 |
| Return on assets (ROA) | 1.6470% | 966 |
| Pretax return on assets | 1.6470% | 1,562 |
| Return on Equity (ROE) | 22.3933% | 280 |
| Retained earnings to average equity (ytd only) | 0.3481% | 4,516 |
| Net charge-offs to loans | -0.0194% | 3,950 |
| Credit loss provision to net charge-offs | -377.7778% | 3,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6151% | 3,044 |
| Assets per employee ($millions) | 4.2085% | 4,326 |
| Cash dividends to net income (ytd only)* | 98.4456% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 3,743 |
| Loan loss allowance to noncurrent loans | 350.6887% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.6093% | 1,253 |
| Noncurrent loans to loans | 0.2935% | 2,741 |
| Net loans and leases to total assets | 64.6288% | 1,697 |
| Net loans and leases to deposits | 69.8567% | 2,258 |
| Net loans and leases to core deposits | 71.7516% | 2,447 |
| Total domestic deposits to total assets | 92.5162% | 68 |
| Equity capital to assets | 7.3982% | 4,733 |
| Core capital (leverage) ratio | 7.0614% | 4,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6564% | 3,025 |
| Memoranda: | ||
| Average total assets | $187,488,750 | 3,184 |
| Average earning assets | $171,692,750 | 3,200 |
| Average equity | $13,789,500 | 3,805 |
| Average total loans | $123,620,750 | 2,957 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5255% | 698 |
| Cost of funding earning assets | 0.3884% | 1,983 |
| Net interest margin | 4.1371% | 644 |
| Noninterest income to average assets | 0.4913% | 2,656 |
| Noninterest expense to average assets | 2.6576% | 1,697 |
| Loan and lease loss provision to assets | 0.0439% | 2,139 |
| Net operating income to assets | 1.5745% | 1,105 |
| Return on assets (ROA) | 1.5745% | 1,164 |
| Pretax return on assets | 1.5745% | 1,811 |
| Return on Equity (ROE) | 21.4499% | 352 |
| Retained earnings to average equity (ytd only) | -6.3285% | 4,812 |
| Net charge-offs to loans | -0.0194% | 3,983 |
| Credit loss provision to net charge-offs | -341.6667% | 3,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9512% | 2,878 |
| Assets per employee ($millions) | 4.4201% | 4,168 |
| Cash dividends to net income (ytd only)* | 129.5037% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 3,775 |
| Loan loss allowance to noncurrent loans | 269.5652% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.6945% | 1,186 |
| Noncurrent loans to loans | 0.3758% | 2,553 |
| Net loans and leases to total assets | 63.7540% | 1,978 |
| Net loans and leases to deposits | 68.6994% | 2,549 |
| Net loans and leases to core deposits | 70.5460% | 2,730 |
| Total domestic deposits to total assets | 92.8014% | 46 |
| Equity capital to assets | 7.1270% | 4,820 |
| Core capital (leverage) ratio | 6.7493% | 4,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3907% | 3,052 |
| Memoranda: | ||
| Average total assets | $186,857,333 | 3,198 |
| Average earning assets | $170,941,667 | 3,209 |
| Average equity | $13,715,667 | 3,822 |
| Average total loans | $123,604,667 | 2,975 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 1,180 |
| Cost of funding earning assets | 0.4033% | 2,068 |
| Net interest margin | 3.8088% | 1,116 |
| Noninterest income to average assets | 0.4426% | 2,859 |
| Noninterest expense to average assets | 2.7120% | 1,596 |
| Loan and lease loss provision to assets | 0.0648% | 1,845 |
| Net operating income to assets | 1.1530% | 2,325 |
| Return on assets (ROA) | 1.1530% | 2,392 |
| Pretax return on assets | 1.1530% | 2,976 |
| Return on Equity (ROE) | 15.4777% | 1,117 |
| Retained earnings to average equity (ytd only) | -11.0431% | 4,832 |
| Net charge-offs to loans | -0.0386% | 4,289 |
| Credit loss provision to net charge-offs | -250.0000% | 3,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6923% | 1,973 |
| Assets per employee ($millions) | 4.4769% | 4,121 |
| Cash dividends to net income (ytd only)* | 171.3483% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 3,915 |
| Loan loss allowance to noncurrent loans | 302.7094% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.6706% | 1,401 |
| Noncurrent loans to loans | 0.3242% | 2,941 |
| Net loans and leases to total assets | 64.4177% | 1,992 |
| Net loans and leases to deposits | 69.3642% | 2,566 |
| Net loans and leases to core deposits | 71.2767% | 2,763 |
| Total domestic deposits to total assets | 92.8688% | 42 |
| Equity capital to assets | 7.0673% | 4,830 |
| Core capital (leverage) ratio | 6.7960% | 4,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6825% | 2,984 |
| Memoranda: | ||
| Average total assets | $185,253,500 | 3,203 |
| Average earning assets | $169,609,000 | 3,217 |
| Average equity | $13,800,500 | 3,810 |
| Average total loans | $124,200,000 | 2,972 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0860% | 426 |
| Cost of funding earning assets | 0.5398% | 2,680 |
| Net interest margin | 4.5462% | 298 |
| Noninterest income to average assets | 0.4250% | 2,991 |
| Noninterest expense to average assets | 2.9036% | 1,676 |
| Loan and lease loss provision to assets | 0.1244% | 2,807 |
| Net operating income to assets | 1.5179% | 775 |
| Return on assets (ROA) | 1.5179% | 840 |
| Pretax return on assets | 1.5179% | 1,274 |
| Return on Equity (ROE) | 18.2963% | 315 |
| Retained earnings to average equity (ytd only) | 0.8333% | 4,279 |
| Net charge-offs to loans | -0.0346% | 4,579 |
| Credit loss provision to net charge-offs | -481.3953% | 3,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6157% | 3,034 |
| Assets per employee ($millions) | 4.2381% | 4,188 |
| Cash dividends to net income (ytd only)* | 95.4455% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 3,991 |
| Loan loss allowance to noncurrent loans | 298.9924% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.7410% | 1,391 |
| Noncurrent loans to loans | 0.3223% | 3,051 |
| Net loans and leases to total assets | 68.5255% | 1,759 |
| Net loans and leases to deposits | 74.4224% | 2,445 |
| Net loans and leases to core deposits | 76.4079% | 2,692 |
| Total domestic deposits to total assets | 92.0764% | 62 |
| Equity capital to assets | 7.8629% | 4,756 |
| Core capital (leverage) ratio | 7.5777% | 4,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8040% | 2,967 |
| Memoranda: | ||
| Average total assets | $166,345,000 | 3,228 |
| Average earning assets | $150,785,000 | 3,258 |
| Average equity | $13,800,600 | 3,787 |
| Average total loans | $124,443,000 | 2,930 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2258% | 395 |
| Cost of funding earning assets | 0.5689% | 2,814 |
| Net interest margin | 4.6569% | 283 |
| Noninterest income to average assets | 0.3883% | 3,142 |
| Noninterest expense to average assets | 2.9369% | 1,597 |
| Loan and lease loss provision to assets | 0.1469% | 2,551 |
| Net operating income to assets | 1.5248% | 856 |
| Return on assets (ROA) | 1.5248% | 935 |
| Pretax return on assets | 1.5248% | 1,393 |
| Return on Equity (ROE) | 18.1209% | 354 |
| Retained earnings to average equity (ytd only) | -5.0514% | 4,846 |
| Net charge-offs to loans | -0.0310% | 4,543 |
| Credit loss provision to net charge-offs | -620.6897% | 3,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4712% | 2,998 |
| Assets per employee ($millions) | 3.9215% | 4,387 |
| Cash dividends to net income (ytd only)* | 127.8759% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 4,076 |
| Loan loss allowance to noncurrent loans | 243.8298% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.8641% | 1,343 |
| Noncurrent loans to loans | 0.3689% | 2,964 |
| Net loans and leases to total assets | 73.1828% | 1,474 |
| Net loans and leases to deposits | 79.4191% | 2,383 |
| Net loans and leases to core deposits | 81.4655% | 2,703 |
| Total domestic deposits to total assets | 92.1476% | 45 |
| Equity capital to assets | 7.7446% | 4,792 |
| Core capital (leverage) ratio | 7.4064% | 4,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1017% | 3,083 |
| Memoranda: | ||
| Average total assets | $163,431,000 | 3,235 |
| Average earning assets | $148,107,250 | 3,266 |
| Average equity | $13,751,750 | 3,789 |
| Average total loans | $124,763,000 | 2,933 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6335% | 260 |
| Cost of funding earning assets | 0.6066% | 2,932 |
| Net interest margin | 5.0269% | 195 |
| Noninterest income to average assets | 0.3853% | 3,173 |
| Noninterest expense to average assets | 2.8617% | 1,938 |
| Loan and lease loss provision to assets | 0.1496% | 2,507 |
| Net operating income to assets | 1.9178% | 396 |
| Return on assets (ROA) | 1.9178% | 439 |
| Pretax return on assets | 1.9203% | 653 |
| Return on Equity (ROE) | 22.1593% | 160 |
| Retained earnings to average equity (ytd only) | 5.2300% | 2,373 |
| Net charge-offs to loans | -0.0420% | 4,636 |
| Credit loss provision to net charge-offs | -461.5385% | 3,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8142% | 3,845 |
| Assets per employee ($millions) | 3.8484% | 4,435 |
| Cash dividends to net income (ytd only)* | 76.3979% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 4,170 |
| Loan loss allowance to noncurrent loans | 174.1158% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.9650% | 1,251 |
| Noncurrent loans to loans | 0.4913% | 2,678 |
| Net loans and leases to total assets | 74.1223% | 1,395 |
| Net loans and leases to deposits | 81.8105% | 2,227 |
| Net loans and leases to core deposits | 83.8468% | 2,619 |
| Total domestic deposits to total assets | 90.6024% | 253 |
| Equity capital to assets | 8.4143% | 4,522 |
| Core capital (leverage) ratio | 8.0983% | 4,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2604% | 2,897 |
| Memoranda: | ||
| Average total assets | $160,392,667 | 3,245 |
| Average earning assets | $145,060,000 | 3,278 |
| Average equity | $13,881,333 | 3,784 |
| Average total loans | $123,877,333 | 2,934 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6620% | 270 |
| Cost of funding earning assets | 0.6747% | 3,035 |
| Net interest margin | 4.9874% | 198 |
| Noninterest income to average assets | 0.3976% | 3,123 |
| Noninterest expense to average assets | 2.9502% | 2,008 |
| Loan and lease loss provision to assets | 0.1539% | 1,859 |
| Net operating income to assets | 1.7829% | 424 |
| Return on assets (ROA) | 1.7829% | 474 |
| Pretax return on assets | 1.7881% | 719 |
| Return on Equity (ROE) | 20.2949% | 156 |
| Retained earnings to average equity (ytd only) | -9.6364% | 4,750 |
| Net charge-offs to loans | -0.0098% | 4,073 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0456% | 3,863 |
| Assets per employee ($millions) | 3.6549% | 4,326 |
| Cash dividends to net income (ytd only)* | 147.4820% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8172% | 4,369 |
| Loan loss allowance to noncurrent loans | 137.1742% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.9887% | 1,336 |
| Noncurrent loans to loans | 0.5958% | 2,510 |
| Net loans and leases to total assets | 75.4673% | 1,394 |
| Net loans and leases to deposits | 83.3387% | 2,301 |
| Net loans and leases to core deposits | 85.2004% | 2,741 |
| Total domestic deposits to total assets | 90.5549% | 185 |
| Equity capital to assets | 8.4110% | 4,869 |
| Core capital (leverage) ratio | 8.1388% | 4,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8584% | 3,140 |
| Memoranda: | ||
| Average total assets | $155,923,500 | 3,256 |
| Average earning assets | $140,514,500 | 3,303 |
| Average equity | $13,698,000 | 3,812 |
| Average total loans | $122,518,500 | 2,926 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9799% | 235 |
| Cost of funding earning assets | 0.7054% | 3,137 |
| Net interest margin | 5.2745% | 160 |
| Noninterest income to average assets | 0.4812% | 2,847 |
| Noninterest expense to average assets | 3.2414% | 1,425 |
| Loan and lease loss provision to assets | 0.1672% | 1,248 |
| Net operating income to assets | 1.7800% | 545 |
| Return on assets (ROA) | 1.7926% | 560 |
| Pretax return on assets | 1.7992% | 940 |
| Return on Equity (ROE) | 20.1066% | 209 |
| Retained earnings to average equity (ytd only) | 0.3648% | 4,587 |
| Net charge-offs to loans | 0.2078% | 992 |
| Credit loss provision to net charge-offs | 96.5517% | 2,564 |
| Earnings coverage of net charge-offs (x) | 11.2797% | 2,507 |
| Efficiency ratio | 61.2800% | 3,500 |
| Assets per employee ($millions) | 3.5960% | 4,378 |
| Cash dividends to net income (ytd only)* | 98.1859% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 4,410 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 1.1905% | 990 |
| Noncurrent loans to loans | 0.7638% | 1,987 |
| Net loans and leases to total assets | 80.6036% | 717 |
| Net loans and leases to deposits | 89.8270% | 1,609 |
| Net loans and leases to core deposits | 92.1538% | 2,225 |
| Total domestic deposits to total assets | 89.7320% | 411 |
| Equity capital to assets | 9.1834% | 4,583 |
| Core capital (leverage) ratio | 8.7239% | 4,714 |
| Tier 1 risk-based capital ratio | 11.5102% | 4,621 |
| Total risk-based capital ratio | 12.3298% | 4,722 |
| Memoranda: | ||
| Average total assets | $150,676,400 | 3,291 |
| Average earning assets | $134,666,800 | 3,357 |
| Average equity | $13,433,400 | 3,834 |
| Average total loans | $125,589,600 | 2,871 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9298% | 275 |
| Cost of funding earning assets | 0.7097% | 3,161 |
| Net interest margin | 5.2200% | 192 |
| Noninterest income to average assets | 0.5135% | 2,649 |
| Noninterest expense to average assets | 3.2494% | 1,377 |
| Loan and lease loss provision to assets | 0.1071% | 1,807 |
| Net operating income to assets | 1.8124% | 599 |
| Return on assets (ROA) | 1.8292% | 606 |
| Pretax return on assets | 1.8363% | 1,003 |
| Return on Equity (ROE) | 20.6736% | 216 |
| Retained earnings to average equity (ytd only) | -5.7137% | 5,077 |
| Net charge-offs to loans | 0.1319% | 1,205 |
| Credit loss provision to net charge-offs | 96.8000% | 2,321 |
| Earnings coverage of net charge-offs (x) | 17.4083% | 2,090 |
| Efficiency ratio | 61.7003% | 3,373 |
| Assets per employee ($millions) | 3.3695% | 4,615 |
| Cash dividends to net income (ytd only)* | 127.6378% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7504% | 4,545 |
| Loan loss allowance to noncurrent loans | 65.0552% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.5228% | 721 |
| Noncurrent loans to loans | 1.1535% | 1,371 |
| Net loans and leases to total assets | 82.1690% | 547 |
| Net loans and leases to deposits | 91.1640% | 1,548 |
| Net loans and leases to core deposits | 95.8695% | 2,013 |
| Total domestic deposits to total assets | 90.1332% | 254 |
| Equity capital to assets | 8.7398% | 4,904 |
| Core capital (leverage) ratio | 8.3115% | 5,026 |
| Tier 1 risk-based capital ratio | 10.4146% | 5,100 |
| Total risk-based capital ratio | 11.1984% | 5,147 |
| Memoranda: | ||
| Average total assets | $150,587,250 | 3,324 |
| Average earning assets | $134,504,250 | 3,389 |
| Average equity | $13,324,250 | 3,881 |
| Average total loans | $126,318,250 | 2,896 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2603% | 153 |
| Cost of funding earning assets | 0.7032% | 3,157 |
| Net interest margin | 5.5571% | 116 |
| Noninterest income to average assets | 0.5245% | 2,542 |
| Noninterest expense to average assets | 3.4585% | 1,013 |
| Loan and lease loss provision to assets | 0.1175% | 1,593 |
| Net operating income to assets | 1.9055% | 475 |
| Return on assets (ROA) | 1.9055% | 497 |
| Pretax return on assets | 1.9140% | 812 |
| Return on Equity (ROE) | 22.0319% | 163 |
| Retained earnings to average equity (ytd only) | -17.1490% | 5,235 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9963% | 3,287 |
| Assets per employee ($millions) | 2.8908% | 4,973 |
| Cash dividends to net income (ytd only)* | 177.8374% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 3,703 |
| Loan loss allowance to noncurrent loans | 115.4721% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.5204% | 738 |
| Noncurrent loans to loans | 0.8546% | 1,894 |
| Net loans and leases to total assets | 88.0750% | 112 |
| Net loans and leases to deposits | 98.2566% | 816 |
| Net loans and leases to core deposits | 103.7288% | 1,406 |
| Total domestic deposits to total assets | 89.6377% | 434 |
| Equity capital to assets | 8.3429% | 5,100 |
| Core capital (leverage) ratio | 8.2796% | 5,069 |
| Tier 1 risk-based capital ratio | 10.1739% | 5,203 |
| Total risk-based capital ratio | 11.2460% | 5,170 |
| Memoranda: | ||
| Average total assets | $117,450,330 | 3,805 |
| Average earning assets | $104,947,330 | 3,859 |
| Average equity | $10,158,000 | 4,281 |
| Average total loans | $103,565,000 | 3,230 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1674% | 166 |
| Cost of funding earning assets | 0.7026% | 3,039 |
| Net interest margin | 5.4648% | 131 |
| Noninterest income to average assets | 0.5204% | 2,434 |
| Noninterest expense to average assets | 3.4471% | 1,041 |
| Loan and lease loss provision to assets | 0.1217% | 1,443 |
| Net operating income to assets | 1.8080% | 573 |
| Return on assets (ROA) | 1.8080% | 589 |
| Pretax return on assets | 1.8148% | 950 |
| Return on Equity (ROE) | 20.5502% | 237 |
| Retained earnings to average equity (ytd only) | -7.8744% | 5,026 |
| Net charge-offs to loans | 0.0038% | 2,587 |
| Credit loss provision to net charge-offs | 3,600.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 573.0000% | 129 |
| Efficiency ratio | 64.0301% | 3,238 |
| Assets per employee ($millions) | 2.8874% | 5,030 |
| Cash dividends to net income (ytd only)* | 138.3178% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 3,892 |
| Loan loss allowance to noncurrent loans | 108.8790% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.5161% | 784 |
| Noncurrent loans to loans | 0.8880% | 1,879 |
| Net loans and leases to total assets | 87.0038% | 146 |
| Net loans and leases to deposits | 97.0251% | 891 |
| Net loans and leases to core deposits | 100.7914% | 1,547 |
| Total domestic deposits to total assets | 89.6714% | 571 |
| Equity capital to assets | 8.9303% | 4,732 |
| Core capital (leverage) ratio | 8.7456% | 4,831 |
| Tier 1 risk-based capital ratio | 11.1124% | 4,924 |
| Total risk-based capital ratio | 12.1708% | 4,915 |
| Memoranda: | ||
| Average total assets | $118,360,000 | 3,835 |
| Average earning assets | $105,328,000 | 3,895 |
| Average equity | $10,413,500 | 4,272 |
| Average total loans | $103,919,000 | 3,255 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8732% | 209 |
| Cost of funding earning assets | 0.5948% | 2,763 |
| Net interest margin | 5.2784% | 167 |
| Noninterest income to average assets | 0.5988% | 2,297 |
| Noninterest expense to average assets | 3.6034% | 867 |
| Loan and lease loss provision to assets | 0.1143% | 1,927 |
| Net operating income to assets | 1.5918% | 888 |
| Return on assets (ROA) | 1.5918% | 878 |
| Pretax return on assets | 1.5918% | 1,496 |
| Return on Equity (ROE) | 19.0448% | 309 |
| Retained earnings to average equity (ytd only) | 8.5910% | 1,014 |
| Net charge-offs to loans | -0.0180% | 4,675 |
| Credit loss provision to net charge-offs | -726.3158% | 4,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8677% | 2,565 |
| Assets per employee ($millions) | 3.2764% | 4,763 |
| Cash dividends to net income (ytd only)* | 54.8907% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 4,210 |
| Loan loss allowance to noncurrent loans | 105.2280% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.4221% | 841 |
| Noncurrent loans to loans | 0.8451% | 1,909 |
| Net loans and leases to total assets | 86.9672% | 171 |
| Net loans and leases to deposits | 102.0769% | 586 |
| Net loans and leases to core deposits | 106.3674% | 1,242 |
| Total domestic deposits to total assets | 85.1978% | 2,558 |
| Equity capital to assets | 8.6723% | 4,825 |
| Core capital (leverage) ratio | 8.6662% | 4,906 |
| Tier 1 risk-based capital ratio | 10.5378% | 5,167 |
| Total risk-based capital ratio | 11.4860% | 5,184 |
| Memoranda: | ||
| Average total assets | $120,746,800 | 3,776 |
| Average earning assets | $107,759,800 | 3,839 |
| Average equity | $10,092,000 | 4,283 |
| Average total loans | $105,653,200 | 3,204 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7520% | 238 |
| Cost of funding earning assets | 0.5632% | 2,757 |
| Net interest margin | 5.1888% | 183 |
| Noninterest income to average assets | 0.5924% | 2,352 |
| Noninterest expense to average assets | 3.6409% | 805 |
| Loan and lease loss provision to assets | 0.1149% | 1,761 |
| Net operating income to assets | 1.4701% | 1,275 |
| Return on assets (ROA) | 1.4690% | 1,277 |
| Pretax return on assets | 1.4690% | 2,000 |
| Return on Equity (ROE) | 17.7431% | 457 |
| Retained earnings to average equity (ytd only) | 7.6633% | 1,814 |
| Net charge-offs to loans | -0.0038% | 4,176 |
| Credit loss provision to net charge-offs | -3,466.6667% | 4,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6701% | 2,246 |
| Assets per employee ($millions) | 2.9446% | 5,077 |
| Cash dividends to net income (ytd only)* | 56.8094% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8390% | 4,496 |
| Loan loss allowance to noncurrent loans | 94.4152% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.4885% | 861 |
| Noncurrent loans to loans | 0.8886% | 1,920 |
| Net loans and leases to total assets | 87.7212% | 155 |
| Net loans and leases to deposits | 102.2091% | 633 |
| Net loans and leases to core deposits | 106.4394% | 1,278 |
| Total domestic deposits to total assets | 85.8252% | 2,269 |
| Equity capital to assets | 8.4595% | 4,952 |
| Core capital (leverage) ratio | 8.4428% | 5,121 |
| Tier 1 risk-based capital ratio | 10.4594% | 5,250 |
| Total risk-based capital ratio | 11.3769% | 5,289 |
| Memoranda: | ||
| Average total assets | $120,627,250 | 3,819 |
| Average earning assets | $107,716,000 | 3,881 |
| Average equity | $9,986,750 | 4,334 |
| Average total loans | $105,473,500 | 3,237 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6626% | 251 |
| Cost of funding earning assets | 0.5060% | 2,970 |
| Net interest margin | 5.1566% | 187 |
| Noninterest income to average assets | 0.6037% | 2,303 |
| Noninterest expense to average assets | 3.7083% | 746 |
| Loan and lease loss provision to assets | 0.1144% | 1,733 |
| Net operating income to assets | 1.3782% | 1,509 |
| Return on assets (ROA) | 1.3782% | 1,513 |
| Pretax return on assets | 1.3782% | 2,229 |
| Return on Equity (ROE) | 16.7687% | 552 |
| Retained earnings to average equity (ytd only) | 9.7061% | 1,006 |
| Net charge-offs to loans | -0.0152% | 4,464 |
| Credit loss provision to net charge-offs | -862.5000% | 4,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3010% | 2,117 |
| Assets per employee ($millions) | 3.1985% | 4,931 |
| Cash dividends to net income (ytd only)* | 42.1179% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8076% | 4,667 |
| Loan loss allowance to noncurrent loans | 200.6961% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 1.1107% | 1,332 |
| Noncurrent loans to loans | 0.4024% | 3,248 |
| Net loans and leases to total assets | 87.4061% | 179 |
| Net loans and leases to deposits | 104.7837% | 495 |
| Net loans and leases to core deposits | 108.8841% | 1,060 |
| Total domestic deposits to total assets | 83.4157% | 3,277 |
| Equity capital to assets | 8.3304% | 5,061 |
| Core capital (leverage) ratio | 8.4553% | 5,136 |
| Tier 1 risk-based capital ratio | 10.3109% | 5,338 |
| Total risk-based capital ratio | 11.1918% | 5,392 |
| Memoranda: | ||
| Average total assets | $120,593,670 | 3,849 |
| Average earning assets | $107,512,330 | 3,922 |
| Average equity | $9,911,330 | 4,391 |
| Average total loans | $105,031,330 | 3,247 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5814% | 242 |
| Cost of funding earning assets | 0.4642% | 3,096 |
| Net interest margin | 5.1172% | 184 |
| Noninterest income to average assets | 0.6027% | 2,246 |
| Noninterest expense to average assets | 3.8528% | 625 |
| Loan and lease loss provision to assets | 0.1166% | 1,626 |
| Net operating income to assets | 1.1855% | 2,074 |
| Return on assets (ROA) | 1.1855% | 2,083 |
| Pretax return on assets | 1.1855% | 2,821 |
| Return on Equity (ROE) | 14.5239% | 893 |
| Retained earnings to average equity (ytd only) | 12.4841% | 600 |
| Net charge-offs to loans | -0.0154% | 4,430 |
| Credit loss provision to net charge-offs | -875.0000% | 4,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7416% | 1,789 |
| Assets per employee ($millions) | 3.0063% | 5,147 |
| Cash dividends to net income (ytd only)* | 14.0449% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7885% | 4,817 |
| Loan loss allowance to noncurrent loans | 2,506.0606% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.8366% | 1,893 |
| Noncurrent loans to loans | 0.0315% | 4,839 |
| Net loans and leases to total assets | 86.5331% | 222 |
| Net loans and leases to deposits | 100.0904% | 703 |
| Net loans and leases to core deposits | 103.9043% | 1,381 |
| Total domestic deposits to total assets | 86.4549% | 2,335 |
| Equity capital to assets | 8.2736% | 5,122 |
| Core capital (leverage) ratio | 8.3050% | 5,256 |
| Tier 1 risk-based capital ratio | 10.3512% | 5,400 |
| Total risk-based capital ratio | 11.2120% | 5,455 |
| Memoranda: | ||
| Average total assets | $120,119,000 | 3,897 |
| Average earning assets | $106,854,500 | 3,973 |
| Average equity | $9,804,500 | 4,454 |
| Average total loans | $103,996,500 | 3,289 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7004% | 45 |
| Cost of funding earning assets | 0.5625% | 1,872 |
| Net interest margin | 7.1379% | 38 |
| Noninterest income to average assets | 1.2691% | 660 |
| Noninterest expense to average assets | 5.3937% | 178 |
| Loan and lease loss provision to assets | 0.2221% | 892 |
| Net operating income to assets | 1.8390% | 381 |
| Return on assets (ROA) | 1.8390% | 388 |
| Pretax return on assets | 1.7815% | 830 |
| Return on Equity (ROE) | 22.8494% | 99 |
| Retained earnings to average equity (ytd only) | -5.2415% | 5,437 |
| Net charge-offs to loans | 0.2282% | 1,134 |
| Credit loss provision to net charge-offs | 115.2439% | 2,278 |
| Earnings coverage of net charge-offs (x) | 10.3963% | 2,682 |
| Efficiency ratio | 72.9150% | 2,076 |
| Assets per employee ($millions) | 2.7893% | 5,330 |
| Cash dividends to net income (ytd only)* | 122.9393% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8127% | 4,785 |
| Loan loss allowance to noncurrent loans | 83,800.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.8963% | 1,735 |
| Noncurrent loans to loans | 0.0010% | 5,074 |
| Net loans and leases to total assets | 85.2707% | 317 |
| Net loans and leases to deposits | 98.3196% | 877 |
| Net loans and leases to core deposits | 102.0638% | 1,549 |
| Total domestic deposits to total assets | 86.7281% | 2,129 |
| Equity capital to assets | 8.0125% | 5,390 |
| Core capital (leverage) ratio | 7.9919% | 5,442 |
| Tier 1 risk-based capital ratio | 10.0422% | 5,524 |
| Total risk-based capital ratio | 10.9197% | 5,558 |
| Memoranda: | ||
| Average total assets | $85,099,000 | 4,500 |
| Average earning assets | $73,061,200 | 4,593 |
| Average equity | $6,849,200 | 4,965 |
| Average total loans | $71,866,000 | 3,920 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5114% | 31 |
| Cost of funding earning assets | 0.5765% | 1,701 |
| Net interest margin | 7.9349% | 28 |
| Noninterest income to average assets | 1.1118% | 823 |
| Noninterest expense to average assets | 5.8750% | 158 |
| Loan and lease loss provision to assets | 0.1833% | 1,078 |
| Net operating income to assets | 1.8658% | 418 |
| Return on assets (ROA) | 1.8658% | 423 |
| Pretax return on assets | 1.7803% | 927 |
| Return on Equity (ROE) | 23.1417% | 102 |
| Retained earnings to average equity (ytd only) | 3.1390% | 4,038 |
| Net charge-offs to loans | 0.0125% | 3,292 |
| Credit loss provision to net charge-offs | 1,750.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 187.4950% | 458 |
| Efficiency ratio | 74.9499% | 1,752 |
| Assets per employee ($millions) | 2.8700% | 5,343 |
| Cash dividends to net income (ytd only)* | 86.4358% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8898% | 4,611 |
| Loan loss allowance to noncurrent loans | 844.4444% | 681 |
| Noncurrent assets plus other real estate owned to assets | 1.1747% | 1,401 |
| Noncurrent loans to loans | 0.1054% | 4,639 |
| Net loans and leases to total assets | 84.2751% | 407 |
| Net loans and leases to deposits | 103.6211% | 521 |
| Net loans and leases to core deposits | 104.2218% | 1,376 |
| Total domestic deposits to total assets | 81.3300% | 3,964 |
| Equity capital to assets | 8.3947% | 5,345 |
| Core capital (leverage) ratio | 8.9525% | 4,796 |
| Tier 1 risk-based capital ratio | 10.5117% | 5,445 |
| Total risk-based capital ratio | 11.4615% | 5,498 |
| Memoranda: | ||
| Average total assets | $76,389,250 | 4,705 |
| Average earning assets | $64,758,500 | 4,818 |
| Average equity | $6,159,000 | 5,136 |
| Average total loans | $64,055,000 | 4,131 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8751% | 145 |
| Cost of funding earning assets | 0.3831% | 3,257 |
| Net interest margin | 5.4921% | 102 |
| Noninterest income to average assets | 0.9599% | 1,113 |
| Noninterest expense to average assets | 4.0051% | 524 |
| Loan and lease loss provision to assets | 0.1881% | 1,001 |
| Net operating income to assets | 1.3231% | 1,243 |
| Return on assets (ROA) | 1.3231% | 1,269 |
| Pretax return on assets | 1.3231% | 2,295 |
| Return on Equity (ROE) | 16.8630% | 424 |
| Retained earnings to average equity (ytd only) | -5.6623% | 5,558 |
| Net charge-offs to loans | -0.0039% | 4,279 |
| Credit loss provision to net charge-offs | -5,800.0000% | 5,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6044% | 2,247 |
| Assets per employee ($millions) | 2.7851% | 5,432 |
| Cash dividends to net income (ytd only)* | 133.5784% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8079% | 4,927 |
| Loan loss allowance to noncurrent loans | 157.4627% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 2.0433% | 612 |
| Noncurrent loans to loans | 0.5131% | 3,217 |
| Net loans and leases to total assets | 84.5606% | 389 |
| Net loans and leases to deposits | 95.2917% | 1,141 |
| Net loans and leases to core deposits | 95.8328% | 1,994 |
| Total domestic deposits to total assets | 88.7387% | 1,087 |
| Equity capital to assets | 7.7083% | 5,614 |
| Core capital (leverage) ratio | 7.6828% | 5,612 |
| Tier 1 risk-based capital ratio | 9.7898% | 5,672 |
| Total risk-based capital ratio | 10.6645% | 5,706 |
| Memoranda: | ||
| Average total assets | $61,672,000 | 5,026 |
| Average earning assets | $51,164,670 | 5,134 |
| Average equity | $4,839,000 | 5,396 |
| Average total loans | $51,240,670 | 4,488 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8046% | 155 |
| Cost of funding earning assets | 0.3391% | 3,644 |
| Net interest margin | 5.4655% | 113 |
| Noninterest income to average assets | 0.9310% | 1,163 |
| Noninterest expense to average assets | 4.0277% | 525 |
| Loan and lease loss provision to assets | 0.0970% | 1,939 |
| Net operating income to assets | 1.2865% | 1,271 |
| Return on assets (ROA) | 1.2865% | 1,305 |
| Pretax return on assets | 1.2865% | 2,278 |
| Return on Equity (ROE) | 16.2548% | 496 |
| Retained earnings to average equity (ytd only) | 6.0445% | 2,307 |
| Net charge-offs to loans | -0.0079% | 4,330 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4325% | 2,158 |
| Assets per employee ($millions) | 2.8086% | 5,481 |
| Cash dividends to net income (ytd only)* | 62.8141% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7425% | 5,219 |
| Loan loss allowance to noncurrent loans | 225.5952% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 1.8644% | 745 |
| Noncurrent loans to loans | 0.3291% | 3,940 |
| Net loans and leases to total assets | 81.9939% | 567 |
| Net loans and leases to deposits | 92.5759% | 1,262 |
| Net loans and leases to core deposits | 93.0964% | 2,058 |
| Total domestic deposits to total assets | 88.5693% | 1,388 |
| Equity capital to assets | 7.9835% | 5,531 |
| Core capital (leverage) ratio | 7.9660% | 5,573 |
| Tier 1 risk-based capital ratio | 10.2005% | 5,650 |
| Total risk-based capital ratio | 10.9841% | 5,733 |
| Memoranda: | ||
| Average total assets | $61,872,000 | 5,076 |
| Average earning assets | $50,718,500 | 5,197 |
| Average equity | $4,897,000 | 5,433 |
| Average total loans | $50,744,000 | 4,538 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9213% | 135 |
| Cost of funding earning assets | 0.3767% | 3,239 |
| Net interest margin | 5.5446% | 102 |
| Noninterest income to average assets | 1.0653% | 996 |
| Noninterest expense to average assets | 4.1073% | 525 |
| Loan and lease loss provision to assets | 0.0993% | 2,396 |
| Net operating income to assets | 1.4606% | 898 |
| Return on assets (ROA) | 1.4606% | 924 |
| Pretax return on assets | 1.4606% | 1,709 |
| Return on Equity (ROE) | 19.3073% | 249 |
| Retained earnings to average equity (ytd only) | 13.8409% | 137 |
| Net charge-offs to loans | 0.0261% | 3,513 |
| Credit loss provision to net charge-offs | 461.5385% | 701 |
| Earnings coverage of net charge-offs (x) | 72.5385% | 771 |
| Efficiency ratio | 72.4752% | 2,515 |
| Assets per employee ($millions) | 2.8161% | 5,476 |
| Cash dividends to net income (ytd only)* | 28.3126% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7196% | 5,325 |
| Loan loss allowance to noncurrent loans | 171.2264% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 1.9321% | 729 |
| Noncurrent loans to loans | 0.4203% | 3,633 |
| Net loans and leases to total assets | 80.8374% | 764 |
| Net loans and leases to deposits | 91.0648% | 1,568 |
| Net loans and leases to core deposits | 91.5743% | 2,341 |
| Total domestic deposits to total assets | 88.7691% | 1,219 |
| Equity capital to assets | 7.8461% | 5,621 |
| Core capital (leverage) ratio | 7.9474% | 5,642 |
| Tier 1 risk-based capital ratio | 10.3279% | 5,651 |
| Total risk-based capital ratio | 11.0993% | 5,745 |
| Memoranda: | ||
| Average total assets | $60,453,200 | 5,127 |
| Average earning assets | $50,175,000 | 5,245 |
| Average equity | $4,573,400 | 5,545 |
| Average total loans | $49,857,200 | 4,579 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8777% | 141 |
| Cost of funding earning assets | 0.3833% | 3,198 |
| Net interest margin | 5.4943% | 114 |
| Noninterest income to average assets | 1.0852% | 964 |
| Noninterest expense to average assets | 3.9548% | 624 |
| Loan and lease loss provision to assets | 0.0999% | 2,238 |
| Net operating income to assets | 1.6112% | 716 |
| Return on assets (ROA) | 1.6112% | 756 |
| Pretax return on assets | 1.6112% | 1,354 |
| Return on Equity (ROE) | 21.5035% | 173 |
| Retained earnings to average equity (ytd only) | 16.7051% | 94 |
| Net charge-offs to loans | 0.0376% | 2,875 |
| Credit loss provision to net charge-offs | 321.4286% | 981 |
| Earnings coverage of net charge-offs (x) | 55.0600% | 1,011 |
| Efficiency ratio | 69.8002% | 2,915 |
| Assets per employee ($millions) | 2.6444% | 5,648 |
| Cash dividends to net income (ytd only)* | 22.3135% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6854% | 5,455 |
| Loan loss allowance to noncurrent loans | 1,020.5882% | 572 |
| Noncurrent assets plus other real estate owned to assets | 1.6754% | 1,022 |
| Noncurrent loans to loans | 0.0672% | 5,080 |
| Net loans and leases to total assets | 82.6672% | 550 |
| Net loans and leases to deposits | 95.1569% | 1,130 |
| Net loans and leases to core deposits | 95.7094% | 2,026 |
| Total domestic deposits to total assets | 86.8746% | 1,948 |
| Equity capital to assets | 7.8805% | 5,777 |
| Core capital (leverage) ratio | 8.0599% | 5,656 |
| Tier 1 risk-based capital ratio | 10.3266% | 5,691 |
| Total risk-based capital ratio | 11.0742% | 5,806 |
| Memoranda: | ||
| Average total assets | $60,078,000 | 5,184 |
| Average earning assets | $50,086,750 | 5,295 |
| Average equity | $4,501,500 | 5,613 |
| Average total loans | $49,710,250 | 4,624 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8788% | 143 |
| Cost of funding earning assets | 0.3850% | 3,209 |
| Net interest margin | 5.4938% | 114 |
| Noninterest income to average assets | 1.1466% | 849 |
| Noninterest expense to average assets | 3.8643% | 704 |
| Loan and lease loss provision to assets | 0.1003% | 2,161 |
| Net operating income to assets | 1.7616% | 513 |
| Return on assets (ROA) | 1.7616% | 545 |
| Pretax return on assets | 1.7616% | 954 |
| Return on Equity (ROE) | 23.9310% | 108 |
| Retained earnings to average equity (ytd only) | 18.3910% | 76 |
| Net charge-offs to loans | 0.0445% | 2,580 |
| Credit loss provision to net charge-offs | 272.7273% | 1,034 |
| Earnings coverage of net charge-offs (x) | 50.6364% | 986 |
| Efficiency ratio | 67.4839% | 3,452 |
| Assets per employee ($millions) | 2.7480% | 5,645 |
| Cash dividends to net income (ytd only)* | 23.1499% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6658% | 5,583 |
| Loan loss allowance to noncurrent loans | 185.0829% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 1.9369% | 854 |
| Noncurrent loans to loans | 0.3597% | 4,080 |
| Net loans and leases to total assets | 82.6750% | 555 |
| Net loans and leases to deposits | 94.8929% | 1,202 |
| Net loans and leases to core deposits | 95.4456% | 2,028 |
| Total domestic deposits to total assets | 87.1245% | 1,853 |
| Equity capital to assets | 7.6618% | 5,882 |
| Core capital (leverage) ratio | 7.8164% | 5,814 |
| Tier 1 risk-based capital ratio | 10.0294% | 5,848 |
| Total risk-based capital ratio | 10.7548% | 5,931 |
| Memoranda: | ||
| Average total assets | $59,830,330 | 5,245 |
| Average earning assets | $49,874,000 | 5,354 |
| Average equity | $4,404,330 | 5,697 |
| Average total loans | $49,405,000 | 4,669 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7250% | 181 |
| Cost of funding earning assets | 0.3887% | 3,207 |
| Net interest margin | 5.3364% | 142 |
| Noninterest income to average assets | 1.3240% | 624 |
| Noninterest expense to average assets | 4.1534% | 523 |
| Loan and lease loss provision to assets | 0.1008% | 2,010 |
| Net operating income to assets | 1.4987% | 853 |
| Return on assets (ROA) | 1.4987% | 896 |
| Pretax return on assets | 1.4987% | 1,591 |
| Return on Equity (ROE) | 20.7901% | 201 |
| Retained earnings to average equity (ytd only) | 11.7469% | 539 |
| Net charge-offs to loans | -0.0082% | 4,454 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1963% | 2,769 |
| Assets per employee ($millions) | 2.6371% | 5,768 |
| Cash dividends to net income (ytd only)* | 43.4978% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6610% | 5,668 |
| Loan loss allowance to noncurrent loans | 638.4615% | 827 |
| Noncurrent assets plus other real estate owned to assets | 1.9867% | 877 |
| Noncurrent loans to loans | 0.1035% | 5,055 |
| Net loans and leases to total assets | 82.2663% | 527 |
| Net loans and leases to deposits | 93.8319% | 1,162 |
| Net loans and leases to core deposits | 94.3732% | 1,955 |
| Total domestic deposits to total assets | 87.6741% | 1,816 |
| Equity capital to assets | 7.1785% | 5,990 |
| Core capital (leverage) ratio | 7.3759% | 5,949 |
| Tier 1 risk-based capital ratio | 9.4745% | 6,010 |
| Total risk-based capital ratio | 10.1969% | 6,055 |
| Memoranda: | ||
| Average total assets | $59,517,500 | 5,297 |
| Average earning assets | $49,397,000 | 5,416 |
| Average equity | $4,290,500 | 5,762 |
| Average total loans | $48,949,000 | 4,708 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0309% | 128 |
| Cost of funding earning assets | 0.3994% | 3,170 |
| Net interest margin | 5.6315% | 103 |
| Noninterest income to average assets | 1.0471% | 1,076 |
| Noninterest expense to average assets | 4.7413% | 347 |
| Loan and lease loss provision to assets | 0.1002% | 2,310 |
| Net operating income to assets | 0.9152% | 2,786 |
| Return on assets (ROA) | 0.9152% | 2,873 |
| Pretax return on assets | 0.9152% | 3,782 |
| Return on Equity (ROE) | 12.9667% | 1,068 |
| Retained earnings to average equity (ytd only) | 2.5791% | 4,235 |
| Net charge-offs to loans | 0.3275% | 911 |
| Credit loss provision to net charge-offs | 36.8098% | 3,569 |
| Earnings coverage of net charge-offs (x) | 3.7301% | 3,673 |
| Efficiency ratio | 82.3615% | 1,359 |
| Assets per employee ($millions) | 2.5383% | 5,871 |
| Cash dividends to net income (ytd only)* | 80.1095% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6629% | 5,701 |
| Loan loss allowance to noncurrent loans | 702.2222% | 820 |
| Noncurrent assets plus other real estate owned to assets | 2.3192% | 695 |
| Noncurrent loans to loans | 0.0944% | 5,119 |
| Net loans and leases to total assets | 81.1089% | 694 |
| Net loans and leases to deposits | 94.6114% | 1,142 |
| Net loans and leases to core deposits | 95.1915% | 1,923 |
| Total domestic deposits to total assets | 85.7285% | 2,763 |
| Equity capital to assets | 7.2402% | 6,020 |
| Core capital (leverage) ratio | 7.0701% | 6,040 |
| Tier 1 risk-based capital ratio | 9.3322% | 6,068 |
| Total risk-based capital ratio | 10.0298% | 6,113 |
| Memoranda: | ||
| Average total assets | $59,878,200 | 5,324 |
| Average earning assets | $50,075,800 | 5,435 |
| Average equity | $4,226,200 | 5,816 |
| Average total loans | $49,767,800 | 4,679 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0336% | 130 |
| Cost of funding earning assets | 0.3875% | 3,359 |
| Net interest margin | 5.6461% | 101 |
| Noninterest income to average assets | 1.0533% | 1,077 |
| Noninterest expense to average assets | 4.7267% | 356 |
| Loan and lease loss provision to assets | 0.0996% | 2,186 |
| Net operating income to assets | 0.9670% | 2,635 |
| Return on assets (ROA) | 0.9670% | 2,720 |
| Pretax return on assets | 0.9670% | 3,755 |
| Return on Equity (ROE) | 13.7873% | 947 |
| Retained earnings to average equity (ytd only) | 1.1044% | 5,275 |
| Net charge-offs to loans | -0.0822% | 5,720 |
| Credit loss provision to net charge-offs | -145.1613% | 5,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5890% | 1,448 |
| Assets per employee ($millions) | 2.3483% | 6,035 |
| Cash dividends to net income (ytd only)* | 91.9918% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 4,729 |
| Loan loss allowance to noncurrent loans | 76.6254% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.5806% | 650 |
| Noncurrent loans to loans | 1.3095% | 1,946 |
| Net loans and leases to total assets | 83.1829% | 455 |
| Net loans and leases to deposits | 98.9123% | 736 |
| Net loans and leases to core deposits | 99.5251% | 1,556 |
| Total domestic deposits to total assets | 84.0976% | 3,386 |
| Equity capital to assets | 7.0757% | 6,144 |
| Core capital (leverage) ratio | 6.8556% | 6,148 |
| Tier 1 risk-based capital ratio | 9.3370% | 6,167 |
| Total risk-based capital ratio | 10.4499% | 6,164 |
| Memoranda: | ||
| Average total assets | $60,252,250 | 5,384 |
| Average earning assets | $50,582,000 | 5,490 |
| Average equity | $4,226,000 | 5,893 |
| Average total loans | $50,292,500 | 4,702 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9942% | 133 |
| Cost of funding earning assets | 0.3931% | 3,342 |
| Net interest margin | 5.6011% | 108 |
| Noninterest income to average assets | 1.1124% | 979 |
| Noninterest expense to average assets | 4.1207% | 595 |
| Loan and lease loss provision to assets | 0.0987% | 2,174 |
| Net operating income to assets | 1.5831% | 774 |
| Return on assets (ROA) | 1.5831% | 803 |
| Pretax return on assets | 1.5831% | 1,381 |
| Return on Equity (ROE) | 22.6353% | 175 |
| Retained earnings to average equity (ytd only) | 9.4588% | 792 |
| Net charge-offs to loans | -0.1146% | 5,834 |
| Credit loss provision to net charge-offs | -103.4483% | 4,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0153% | 3,150 |
| Assets per employee ($millions) | 2.3505% | 6,102 |
| Cash dividends to net income (ytd only)* | 58.2121% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9142% | 5,249 |
| Loan loss allowance to noncurrent loans | 405.0847% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 1.5136% | 1,619 |
| Noncurrent loans to loans | 0.2257% | 4,875 |
| Net loans and leases to total assets | 84.7727% | 315 |
| Net loans and leases to deposits | 103.3061% | 485 |
| Net loans and leases to core deposits | 103.9361% | 1,195 |
| Total domestic deposits to total assets | 82.0598% | 4,281 |
| Equity capital to assets | 7.0655% | 6,186 |
| Core capital (leverage) ratio | 7.0135% | 6,189 |
| Tier 1 risk-based capital ratio | 9.3010% | 6,225 |
| Total risk-based capital ratio | 10.3306% | 6,227 |
| Memoranda: | ||
| Average total assets | $60,767,000 | 5,426 |
| Average earning assets | $50,882,670 | 5,543 |
| Average equity | $4,250,000 | 5,948 |
| Average total loans | $50,613,330 | 4,730 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9680% | 132 |
| Cost of funding earning assets | 0.3835% | 3,484 |
| Net interest margin | 5.5845% | 109 |
| Noninterest income to average assets | 0.8120% | 1,668 |
| Noninterest expense to average assets | 3.8882% | 783 |
| Loan and lease loss provision to assets | 0.0990% | 2,044 |
| Net operating income to assets | 1.4391% | 962 |
| Return on assets (ROA) | 1.4391% | 1,019 |
| Pretax return on assets | 1.4391% | 1,747 |
| Return on Equity (ROE) | 20.6831% | 243 |
| Retained earnings to average equity (ytd only) | 18.7856% | 124 |
| Net charge-offs to loans | -0.0080% | 4,634 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6545% | 3,226 |
| Assets per employee ($millions) | 2.6071% | 6,041 |
| Cash dividends to net income (ytd only)* | 9.1743% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 5,562 |
| Loan loss allowance to noncurrent loans | 290.0000% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 1.8395% | 1,325 |
| Noncurrent loans to loans | 0.2942% | 4,731 |
| Net loans and leases to total assets | 80.7863% | 594 |
| Net loans and leases to deposits | 97.8835% | 682 |
| Net loans and leases to core deposits | 98.4631% | 1,432 |
| Total domestic deposits to total assets | 82.5332% | 4,338 |
| Equity capital to assets | 6.8947% | 6,271 |
| Core capital (leverage) ratio | 7.1555% | 6,219 |
| Tier 1 risk-based capital ratio | 9.3404% | 6,287 |
| Total risk-based capital ratio | 10.2821% | 6,305 |
| Memoranda: | ||
| Average total assets | $60,593,500 | 5,489 |
| Average earning assets | $50,067,000 | 5,614 |
| Average equity | $4,216,000 | 6,012 |
| Average total loans | $49,777,000 | 4,790 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9783% | 158 |
| Cost of funding earning assets | 0.4152% | 3,536 |
| Net interest margin | 5.5630% | 119 |
| Noninterest income to average assets | 1.0916% | 1,017 |
| Noninterest expense to average assets | 4.4045% | 500 |
| Loan and lease loss provision to assets | 0.0800% | 2,885 |
| Net operating income to assets | 1.2880% | 1,333 |
| Return on assets (ROA) | 1.2880% | 1,383 |
| Pretax return on assets | 1.2880% | 2,283 |
| Return on Equity (ROE) | 17.9732% | 398 |
| Retained earnings to average equity (ytd only) | 0.3881% | 5,602 |
| Net charge-offs to loans | 0.1127% | 2,904 |
| Credit loss provision to net charge-offs | 85.1852% | 2,756 |
| Earnings coverage of net charge-offs (x) | 14.5741% | 2,149 |
| Efficiency ratio | 76.3023% | 2,466 |
| Assets per employee ($millions) | 2.2545% | 6,290 |
| Cash dividends to net income (ytd only)* | 97.8408% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8627% | 5,592 |
| Loan loss allowance to noncurrent loans | 203.3981% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 2.0557% | 1,217 |
| Noncurrent loans to loans | 0.4241% | 4,365 |
| Net loans and leases to total assets | 82.1468% | 504 |
| Net loans and leases to deposits | 100.5030% | 596 |
| Net loans and leases to core deposits | 101.1448% | 1,310 |
| Total domestic deposits to total assets | 81.7357% | 4,507 |
| Equity capital to assets | 7.0253% | 6,323 |
| Core capital (leverage) ratio | 6.9874% | 6,313 |
| Tier 1 risk-based capital ratio | 9.3587% | 6,370 |
| Total risk-based capital ratio | 10.3109% | 6,388 |
| Memoranda: | ||
| Average total assets | $57,531,600 | 5,614 |
| Average earning assets | $48,408,800 | 5,712 |
| Average equity | $4,122,800 | 6,066 |
| Average total loans | $47,895,000 | 4,884 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9719% | 161 |
| Cost of funding earning assets | 0.4197% | 3,579 |
| Net interest margin | 5.5522% | 128 |
| Noninterest income to average assets | 1.1433% | 916 |
| Noninterest expense to average assets | 4.2774% | 569 |
| Loan and lease loss provision to assets | 0.0722% | 2,904 |
| Net operating income to assets | 1.4763% | 982 |
| Return on assets (ROA) | 1.4763% | 1,012 |
| Pretax return on assets | 1.4763% | 1,722 |
| Return on Equity (ROE) | 20.4973% | 249 |
| Retained earnings to average equity (ytd only) | 0.2910% | 5,717 |
| Net charge-offs to loans | 0.1201% | 2,613 |
| Credit loss provision to net charge-offs | 72.0930% | 2,729 |
| Earnings coverage of net charge-offs (x) | 15.4656% | 2,047 |
| Efficiency ratio | 73.4213% | 2,917 |
| Assets per employee ($millions) | 2.4915% | 6,233 |
| Cash dividends to net income (ytd only)* | 98.5804% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8511% | 5,742 |
| Loan loss allowance to noncurrent loans | 175.8475% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 2.2738% | 1,203 |
| Noncurrent loans to loans | 0.4840% | 4,455 |
| Net loans and leases to total assets | 84.3658% | 314 |
| Net loans and leases to deposits | 103.9275% | 411 |
| Net loans and leases to core deposits | 104.6089% | 1,062 |
| Total domestic deposits to total assets | 81.1776% | 4,776 |
| Equity capital to assets | 7.1758% | 6,359 |
| Core capital (leverage) ratio | 7.2412% | 6,342 |
| Tier 1 risk-based capital ratio | 9.4318% | 6,446 |
| Total risk-based capital ratio | 10.3837% | 6,461 |
| Memoranda: | ||
| Average total assets | $57,260,250 | 5,682 |
| Average earning assets | $48,292,000 | 5,781 |
| Average equity | $4,124,000 | 6,129 |
| Average total loans | $47,726,000 | 4,942 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9876% | 152 |
| Cost of funding earning assets | 0.4229% | 3,624 |
| Net interest margin | 5.5647% | 121 |
| Noninterest income to average assets | 1.1564% | 872 |
| Noninterest expense to average assets | 4.1820% | 614 |
| Loan and lease loss provision to assets | 0.0524% | 3,252 |
| Net operating income to assets | 1.5652% | 769 |
| Return on assets (ROA) | 1.5652% | 799 |
| Pretax return on assets | 1.5652% | 1,349 |
| Return on Equity (ROE) | 21.7054% | 209 |
| Retained earnings to average equity (ytd only) | -3.9729% | 6,174 |
| Net charge-offs to loans | 0.0549% | 3,174 |
| Credit loss provision to net charge-offs | 115.3846% | 1,755 |
| Earnings coverage of net charge-offs (x) | 35.6154% | 1,141 |
| Efficiency ratio | 72.1084% | 3,312 |
| Assets per employee ($millions) | 2.5980% | 6,209 |
| Cash dividends to net income (ytd only)* | 118.3036% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 5,725 |
| Loan loss allowance to noncurrent loans | 420.5882% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 2.5492% | 1,094 |
| Noncurrent loans to loans | 0.2138% | 5,372 |
| Net loans and leases to total assets | 82.7157% | 400 |
| Net loans and leases to deposits | 95.5072% | 840 |
| Net loans and leases to core deposits | 96.0954% | 1,591 |
| Total domestic deposits to total assets | 86.6068% | 2,694 |
| Equity capital to assets | 7.0386% | 6,438 |
| Core capital (leverage) ratio | 7.0936% | 6,412 |
| Tier 1 risk-based capital ratio | 9.4690% | 6,493 |
| Total risk-based capital ratio | 10.4787% | 6,510 |
| Memoranda: | ||
| Average total assets | $57,245,670 | 5,733 |
| Average earning assets | $47,765,330 | 5,841 |
| Average equity | $4,128,000 | 6,173 |
| Average total loans | $47,381,330 | 4,987 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0283% | 138 |
| Cost of funding earning assets | 0.4198% | 3,759 |
| Net interest margin | 5.6085% | 114 |
| Noninterest income to average assets | 1.2218% | 740 |
| Noninterest expense to average assets | 4.2241% | 588 |
| Loan and lease loss provision to assets | 0.0419% | 3,252 |
| Net operating income to assets | 1.6198% | 653 |
| Return on assets (ROA) | 1.6198% | 678 |
| Pretax return on assets | 1.6198% | 1,134 |
| Return on Equity (ROE) | 22.1983% | 190 |
| Retained earnings to average equity (ytd only) | 14.5437% | 357 |
| Net charge-offs to loans | 0.1186% | 2,014 |
| Credit loss provision to net charge-offs | 42.8571% | 2,275 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,480 |
| Efficiency ratio | 71.7675% | 3,531 |
| Assets per employee ($millions) | 2.6690% | 6,229 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 5,881 |
| Loan loss allowance to noncurrent loans | 139.2027% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 2.4251% | 1,329 |
| Noncurrent loans to loans | 0.6437% | 4,250 |
| Net loans and leases to total assets | 78.9268% | 665 |
| Net loans and leases to deposits | 92.9335% | 880 |
| Net loans and leases to core deposits | 93.4959% | 1,598 |
| Total domestic deposits to total assets | 84.9282% | 3,910 |
| Equity capital to assets | 7.2481% | 6,391 |
| Core capital (leverage) ratio | 7.5394% | 6,323 |
| Tier 1 risk-based capital ratio | 10.2374% | 6,414 |
| Total risk-based capital ratio | 11.2453% | 6,452 |
| Memoranda: | ||
| Average total assets | $57,290,500 | 5,784 |
| Average earning assets | $47,642,000 | 5,897 |
| Average equity | $4,180,500 | 6,207 |
| Average total loans | $47,219,000 | 5,037 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1496% | 136 |
| Cost of funding earning assets | 0.4754% | 3,862 |
| Net interest margin | 5.6742% | 106 |
| Noninterest income to average assets | 0.7796% | 2,166 |
| Noninterest expense to average assets | 4.0386% | 838 |
| Loan and lease loss provision to assets | 0.1444% | 2,498 |
| Net operating income to assets | 1.4370% | 945 |
| Return on assets (ROA) | 1.4370% | 984 |
| Pretax return on assets | 1.4370% | 1,663 |
| Return on Equity (ROE) | 19.7868% | 294 |
| Retained earnings to average equity (ytd only) | 9.5109% | 663 |
| Net charge-offs to loans | 0.1589% | 3,212 |
| Credit loss provision to net charge-offs | 109.8592% | 2,190 |
| Earnings coverage of net charge-offs (x) | 12.0282% | 2,178 |
| Efficiency ratio | 71.8616% | 3,504 |
| Assets per employee ($millions) | 2.7931% | 6,117 |
| Cash dividends to net income (ytd only)* | 51.9330% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8957% | 5,948 |
| Loan loss allowance to noncurrent loans | 77.9197% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 2.7532% | 1,206 |
| Noncurrent loans to loans | 1.1495% | 3,244 |
| Net loans and leases to total assets | 84.5781% | 217 |
| Net loans and leases to deposits | 100.6047% | 453 |
| Net loans and leases to core deposits | 101.2580% | 1,073 |
| Total domestic deposits to total assets | 84.0697% | 4,139 |
| Equity capital to assets | 7.3485% | 6,346 |
| Core capital (leverage) ratio | 7.5564% | 6,351 |
| Tier 1 risk-based capital ratio | 9.8145% | 6,554 |
| Total risk-based capital ratio | 10.8354% | 6,572 |
| Memoranda: | ||
| Average total assets | $54,003,200 | 5,918 |
| Average earning assets | $46,068,400 | 5,989 |
| Average equity | $3,921,800 | 6,344 |
| Average total loans | $44,680,000 | 5,160 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1531% | 137 |
| Cost of funding earning assets | 0.4803% | 3,961 |
| Net interest margin | 5.6728% | 109 |
| Noninterest income to average assets | 0.7695% | 2,284 |
| Noninterest expense to average assets | 4.0319% | 825 |
| Loan and lease loss provision to assets | 0.0598% | 3,853 |
| Net operating income to assets | 1.5017% | 893 |
| Return on assets (ROA) | 1.5017% | 936 |
| Pretax return on assets | 1.5017% | 1,603 |
| Return on Equity (ROE) | 20.7425% | 261 |
| Retained earnings to average equity (ytd only) | 10.8700% | 602 |
| Net charge-offs to loans | 0.0243% | 4,643 |
| Credit loss provision to net charge-offs | 300.0000% | 845 |
| Earnings coverage of net charge-offs (x) | 78.3486% | 606 |
| Efficiency ratio | 72.0837% | 3,387 |
| Assets per employee ($millions) | 2.7187% | 6,255 |
| Cash dividends to net income (ytd only)* | 47.5957% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 5,981 |
| Loan loss allowance to noncurrent loans | 79.7075% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 2.0598% | 1,954 |
| Noncurrent loans to loans | 1.1651% | 3,491 |
| Net loans and leases to total assets | 85.5406% | 167 |
| Net loans and leases to deposits | 101.8036% | 393 |
| Net loans and leases to core deposits | 102.4810% | 960 |
| Total domestic deposits to total assets | 84.0252% | 4,176 |
| Equity capital to assets | 7.4430% | 6,412 |
| Core capital (leverage) ratio | 7.5404% | 6,434 |
| Tier 1 risk-based capital ratio | 10.0489% | 6,589 |
| Total risk-based capital ratio | 11.1315% | 6,587 |
| Memoranda: | ||
| Average total assets | $53,538,500 | 5,994 |
| Average earning assets | $45,526,000 | 6,074 |
| Average equity | $3,876,000 | 6,434 |
| Average total loans | $43,931,500 | 5,246 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0627% | 165 |
| Cost of funding earning assets | 0.4948% | 3,947 |
| Net interest margin | 5.5679% | 125 |
| Noninterest income to average assets | 0.8186% | 2,112 |
| Noninterest expense to average assets | 4.0480% | 821 |
| Loan and lease loss provision to assets | 0.0563% | 3,876 |
| Net operating income to assets | 1.4044% | 1,071 |
| Return on assets (ROA) | 1.4044% | 1,158 |
| Pretax return on assets | 1.4044% | 1,916 |
| Return on Equity (ROE) | 19.5863% | 339 |
| Retained earnings to average equity (ytd only) | 9.0076% | 1,113 |
| Net charge-offs to loans | -0.0093% | 5,753 |
| Credit loss provision to net charge-offs | -750.0000% | 5,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4833% | 3,229 |
| Assets per employee ($millions) | 2.7183% | 6,270 |
| Cash dividends to net income (ytd only)* | 54.0107% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9899% | 5,864 |
| Loan loss allowance to noncurrent loans | 241.9890% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 1.4402% | 2,941 |
| Noncurrent loans to loans | 0.4091% | 5,240 |
| Net loans and leases to total assets | 80.5779% | 480 |
| Net loans and leases to deposits | 91.5545% | 1,006 |
| Net loans and leases to core deposits | 92.1360% | 1,697 |
| Total domestic deposits to total assets | 88.0109% | 2,241 |
| Equity capital to assets | 7.1773% | 6,552 |
| Core capital (leverage) ratio | 7.3153% | 6,525 |
| Tier 1 risk-based capital ratio | 10.1256% | 6,604 |
| Total risk-based capital ratio | 11.2622% | 6,611 |
| Memoranda: | ||
| Average total assets | $53,260,330 | 6,043 |
| Average earning assets | $44,864,670 | 6,142 |
| Average equity | $3,819,000 | 6,493 |
| Average total loans | $42,926,330 | 5,307 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9871% | 170 |
| Cost of funding earning assets | 0.5078% | 4,001 |
| Net interest margin | 5.4793% | 123 |
| Noninterest income to average assets | 0.8196% | 2,050 |
| Noninterest expense to average assets | 3.9539% | 937 |
| Loan and lease loss provision to assets | 0.0455% | 3,848 |
| Net operating income to assets | 1.4875% | 886 |
| Return on assets (ROA) | 1.4723% | 987 |
| Pretax return on assets | 1.4723% | 1,642 |
| Return on Equity (ROE) | 20.5427% | 261 |
| Retained earnings to average equity (ytd only) | 10.0596% | 1,089 |
| Net charge-offs to loans | -0.0095% | 5,416 |
| Credit loss provision to net charge-offs | -600.0000% | 5,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0609% | 3,602 |
| Assets per employee ($millions) | 2.6317% | 6,464 |
| Cash dividends to net income (ytd only)* | 51.0309% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 6,014 |
| Loan loss allowance to noncurrent loans | 3,881.8182% | 153 |
| Noncurrent assets plus other real estate owned to assets | 1.1419% | 3,659 |
| Noncurrent loans to loans | 0.0255% | 6,420 |
| Net loans and leases to total assets | 81.0841% | 344 |
| Net loans and leases to deposits | 87.6612% | 1,181 |
| Net loans and leases to core deposits | 87.6612% | 1,943 |
| Total domestic deposits to total assets | 92.4971% | 178 |
| Equity capital to assets | 7.2692% | 6,656 |
| Core capital (leverage) ratio | 7.1659% | 6,592 |
| Tier 1 risk-based capital ratio | 10.5363% | 6,567 |
| Total risk-based capital ratio | 11.7125% | 6,571 |
| Memoranda: | ||
| Average total assets | $52,707,500 | 6,107 |
| Average earning assets | $44,896,500 | 6,191 |
| Average equity | $3,777,500 | 6,565 |
| Average total loans | $42,267,000 | 5,364 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3886% | 145 |
| Cost of funding earning assets | 0.6771% | 3,671 |
| Net interest margin | 5.7115% | 126 |
| Noninterest income to average assets | 1.0927% | 1,296 |
| Noninterest expense to average assets | 4.2051% | 763 |
| Loan and lease loss provision to assets | 0.1637% | 3,566 |
| Net operating income to assets | 1.4990% | 919 |
| Return on assets (ROA) | 1.4990% | 1,009 |
| Pretax return on assets | 1.4990% | 1,679 |
| Return on Equity (ROE) | 20.4675% | 282 |
| Retained earnings to average equity (ytd only) | -5.4401% | 6,457 |
| Net charge-offs to loans | 0.0711% | 4,968 |
| Credit loss provision to net charge-offs | 276.6667% | 867 |
| Earnings coverage of net charge-offs (x) | 28.1000% | 1,052 |
| Efficiency ratio | 71.6639% | 3,481 |
| Assets per employee ($millions) | 2.6391% | 6,496 |
| Cash dividends to net income (ytd only)* | 126.5789% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 5,919 |
| Loan loss allowance to noncurrent loans | 3,818.1818% | 168 |
| Noncurrent assets plus other real estate owned to assets | 1.1386% | 3,754 |
| Noncurrent loans to loans | 0.0266% | 6,456 |
| Net loans and leases to total assets | 77.6969% | 711 |
| Net loans and leases to deposits | 84.0266% | 1,752 |
| Net loans and leases to core deposits | 84.0266% | 2,548 |
| Total domestic deposits to total assets | 92.4671% | 174 |
| Equity capital to assets | 7.0649% | 6,764 |
| Core capital (leverage) ratio | 7.4354% | 6,529 |
| Tier 1 risk-based capital ratio | 10.2319% | 6,641 |
| Total risk-based capital ratio | 11.3843% | 6,634 |
| Memoranda: | ||
| Average total assets | $50,700,600 | 6,195 |
| Average earning assets | $42,388,000 | 6,293 |
| Average equity | $3,713,200 | 6,634 |
| Average total loans | $42,218,400 | 5,408 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4415% | 150 |
| Cost of funding earning assets | 0.7045% | 3,724 |
| Net interest margin | 5.7370% | 132 |
| Noninterest income to average assets | 1.0176% | 1,461 |
| Noninterest expense to average assets | 4.1662% | 759 |
| Loan and lease loss provision to assets | 0.2126% | 2,941 |
| Net operating income to assets | 1.4640% | 1,091 |
| Return on assets (ROA) | 1.4640% | 1,215 |
| Pretax return on assets | 1.4640% | 2,026 |
| Return on Equity (ROE) | 19.8059% | 338 |
| Retained earnings to average equity (ytd only) | -8.2316% | 6,760 |
| Net charge-offs to loans | 0.0063% | 5,653 |
| Credit loss provision to net charge-offs | 4,000.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 315.0974% | 148 |
| Efficiency ratio | 71.3051% | 3,447 |
| Assets per employee ($millions) | 2.5949% | 6,610 |
| Cash dividends to net income (ytd only)* | 141.5599% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 5,840 |
| Loan loss allowance to noncurrent loans | 93.5010% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.1831% | 3,928 |
| Noncurrent loans to loans | 1.1399% | 4,151 |
| Net loans and leases to total assets | 79.7715% | 524 |
| Net loans and leases to deposits | 87.9501% | 1,358 |
| Net loans and leases to core deposits | 89.0301% | 2,099 |
| Total domestic deposits to total assets | 90.7008% | 520 |
| Equity capital to assets | 7.1334% | 6,858 |
| Core capital (leverage) ratio | 7.4795% | 6,632 |
| Tier 1 risk-based capital ratio | 10.6023% | 6,632 |
| Total risk-based capital ratio | 11.7622% | 6,645 |
| Memoranda: | ||
| Average total assets | $50,180,250 | 6,279 |
| Average earning assets | $42,204,750 | 6,367 |
| Average equity | $3,709,250 | 6,718 |
| Average total loans | $42,415,500 | 5,469 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4595% | 158 |
| Cost of funding earning assets | 0.7041% | 3,982 |
| Net interest margin | 5.7555% | 125 |
| Noninterest income to average assets | 1.0845% | 1,217 |
| Noninterest expense to average assets | 4.1888% | 740 |
| Loan and lease loss provision to assets | 0.2862% | 2,287 |
| Net operating income to assets | 1.5199% | 962 |
| Return on assets (ROA) | 1.5199% | 1,082 |
| Pretax return on assets | 1.5199% | 1,803 |
| Return on Equity (ROE) | 20.3143% | 333 |
| Retained earnings to average equity (ytd only) | -17.8356% | 6,981 |
| Net charge-offs to loans | 0.0188% | 5,148 |
| Credit loss provision to net charge-offs | 1,775.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 387 |
| Efficiency ratio | 69.8722% | 3,786 |
| Assets per employee ($millions) | 2.5443% | 6,717 |
| Cash dividends to net income (ytd only)* | 187.7984% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0211% | 6,069 |
| Loan loss allowance to noncurrent loans | 70.6169% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.4798% | 3,483 |
| Noncurrent loans to loans | 1.4460% | 3,742 |
| Net loans and leases to total assets | 82.8653% | 271 |
| Net loans and leases to deposits | 91.3079% | 1,020 |
| Net loans and leases to core deposits | 91.3079% | 1,839 |
| Total domestic deposits to total assets | 90.7537% | 545 |
| Equity capital to assets | 7.0767% | 6,896 |
| Core capital (leverage) ratio | 7.3530% | 6,686 |
| Tier 1 risk-based capital ratio | 10.3838% | 6,731 |
| Total risk-based capital ratio | 11.6382% | 6,715 |
| Memoranda: | ||
| Average total assets | $49,608,000 | 6,327 |
| Average earning assets | $42,325,000 | 6,404 |
| Average equity | $3,711,670 | 6,754 |
| Average total loans | $42,605,670 | 5,488 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4240% | 176 |
| Cost of funding earning assets | 0.7085% | 4,205 |
| Net interest margin | 5.7155% | 137 |
| Noninterest income to average assets | 1.2824% | 861 |
| Noninterest expense to average assets | 4.3292% | 637 |
| Loan and lease loss provision to assets | 0.5064% | 1,195 |
| Net operating income to assets | 1.3886% | 1,245 |
| Return on assets (ROA) | 1.3886% | 1,392 |
| Pretax return on assets | 1.3886% | 2,224 |
| Return on Equity (ROE) | 18.0515% | 544 |
| Retained earnings to average equity (ytd only) | -35.0411% | 7,164 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5538% | 3,887 |
| Assets per employee ($millions) | 3.0903% | 5,981 |
| Cash dividends to net income (ytd only)* | 294.1176% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 6,197 |
| Loan loss allowance to noncurrent loans | 500.0000% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 5,730 |
| Noncurrent loans to loans | 0.2022% | 6,279 |
| Net loans and leases to total assets | 85.1310% | 148 |
| Net loans and leases to deposits | 94.0395% | 659 |
| Net loans and leases to core deposits | 94.0395% | 1,464 |
| Total domestic deposits to total assets | 90.5268% | 789 |
| Equity capital to assets | 7.2849% | 6,853 |
| Core capital (leverage) ratio | 7.3724% | 6,701 |
| Tier 1 risk-based capital ratio | 10.4984% | 6,737 |
| Total risk-based capital ratio | 11.7517% | 6,729 |
| Memoranda: | ||
| Average total assets | $48,969,500 | 6,396 |
| Average earning assets | $42,341,000 | 6,445 |
| Average equity | $3,767,000 | 6,783 |
| Average total loans | $42,608,000 | 5,526 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4243% | 202 |
| Cost of funding earning assets | 1.1702% | 2,221 |
| Net interest margin | 5.2542% | 261 |
| Noninterest income to average assets | 0.8470% | 1,857 |
| Noninterest expense to average assets | 4.0108% | 1,025 |
| Loan and lease loss provision to assets | 0.2417% | 3,790 |
| Net operating income to assets | 1.0238% | 2,108 |
| Return on assets (ROA) | 1.0238% | 2,259 |
| Pretax return on assets | 1.0238% | 3,148 |
| Return on Equity (ROE) | 13.5416% | 1,041 |
| Retained earnings to average equity (ytd only) | 5.0164% | 2,634 |
| Net charge-offs to loans | 0.3754% | 3,531 |
| Credit loss provision to net charge-offs | 77.3585% | 4,582 |
| Earnings coverage of net charge-offs (x) | 4.0503% | 3,287 |
| Efficiency ratio | 76.0149% | 2,886 |
| Assets per employee ($millions) | 2.5523% | 6,782 |
| Cash dividends to net income (ytd only)* | 62.9559% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 6,619 |
| Loan loss allowance to noncurrent loans | 375.5102% | 889 |
| Noncurrent assets plus other real estate owned to assets | 1.8518% | 3,184 |
| Noncurrent loans to loans | 0.2295% | 6,281 |
| Net loans and leases to total assets | 87.2788% | 98 |
| Net loans and leases to deposits | 97.3302% | 600 |
| Net loans and leases to core deposits | 97.3302% | 1,387 |
| Total domestic deposits to total assets | 89.6729% | 1,171 |
| Equity capital to assets | 8.1082% | 6,507 |
| Core capital (leverage) ratio | 7.6347% | 6,574 |
| Tier 1 risk-based capital ratio | 11.2626% | 6,313 |
| Total risk-based capital ratio | 12.3167% | 6,403 |
| Memoranda: | ||
| Average total assets | $50,888,200 | 6,340 |
| Average earning assets | $42,899,400 | 6,428 |
| Average equity | $3,847,400 | 6,791 |
| Average total loans | $42,351,600 | 5,593 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3798% | 235 |
| Cost of funding earning assets | 1.2555% | 1,962 |
| Net interest margin | 5.1243% | 325 |
| Noninterest income to average assets | 0.8623% | 1,788 |
| Noninterest expense to average assets | 3.8663% | 1,204 |
| Loan and lease loss provision to assets | 0.0699% | 5,579 |
| Net operating income to assets | 1.2068% | 1,634 |
| Return on assets (ROA) | 1.2068% | 1,741 |
| Pretax return on assets | 1.2068% | 2,604 |
| Return on Equity (ROE) | 16.2384% | 648 |
| Retained earnings to average equity (ytd only) | 4.8089% | 3,305 |
| Net charge-offs to loans | -0.0158% | 6,857 |
| Credit loss provision to net charge-offs | -540.0000% | 6,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1762% | 2,978 |
| Assets per employee ($millions) | 3.1376% | 5,821 |
| Cash dividends to net income (ytd only)* | 70.3856% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 6,118 |
| Loan loss allowance to noncurrent loans | 221.3198% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 2.1912% | 2,908 |
| Noncurrent loans to loans | 0.4660% | 5,912 |
| Net loans and leases to total assets | 83.3469% | 265 |
| Net loans and leases to deposits | 95.7679% | 713 |
| Net loans and leases to core deposits | 95.7679% | 1,628 |
| Total domestic deposits to total assets | 87.0301% | 2,637 |
| Equity capital to assets | 7.7309% | 6,834 |
| Core capital (leverage) ratio | 7.4846% | 6,773 |
| Tier 1 risk-based capital ratio | 11.1283% | 6,464 |
| Total risk-based capital ratio | 12.3785% | 6,452 |
| Memoranda: | ||
| Average total assets | $51,486,750 | 6,377 |
| Average earning assets | $43,009,500 | 6,484 |
| Average equity | $3,826,250 | 6,853 |
| Average total loans | $42,266,250 | 5,638 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3929% | 241 |
| Cost of funding earning assets | 1.3498% | 1,653 |
| Net interest margin | 5.0430% | 372 |
| Noninterest income to average assets | 0.7936% | 2,050 |
| Noninterest expense to average assets | 3.9102% | 1,174 |
| Loan and lease loss provision to assets | 0.0693% | 5,440 |
| Net operating income to assets | 0.9593% | 2,398 |
| Return on assets (ROA) | 0.9593% | 2,501 |
| Pretax return on assets | 0.9593% | 3,394 |
| Return on Equity (ROE) | 13.0777% | 1,182 |
| Retained earnings to average equity (ytd only) | 6.5126% | 2,134 |
| Net charge-offs to loans | -0.0189% | 6,807 |
| Credit loss provision to net charge-offs | -450.0000% | 6,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1732% | 2,524 |
| Assets per employee ($millions) | 3.0186% | 6,043 |
| Cash dividends to net income (ytd only)* | 50.2008% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 6,332 |
| Loan loss allowance to noncurrent loans | 112.1372% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 1.9331% | 3,331 |
| Noncurrent loans to loans | 0.8924% | 5,185 |
| Net loans and leases to total assets | 81.9355% | 374 |
| Net loans and leases to deposits | 95.9341% | 728 |
| Net loans and leases to core deposits | 95.9341% | 1,688 |
| Total domestic deposits to total assets | 85.4081% | 3,672 |
| Equity capital to assets | 7.5259% | 6,936 |
| Core capital (leverage) ratio | 7.3558% | 6,838 |
| Tier 1 risk-based capital ratio | 10.9340% | 6,581 |
| Total risk-based capital ratio | 12.1373% | 6,577 |
| Memoranda: | ||
| Average total assets | $51,915,330 | 6,415 |
| Average earning assets | $42,672,670 | 6,555 |
| Average equity | $3,808,000 | 6,897 |
| Average total loans | $42,262,670 | 5,694 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4356% | 233 |
| Cost of funding earning assets | 1.4609% | 1,329 |
| Net interest margin | 4.9747% | 400 |
| Noninterest income to average assets | 0.8350% | 1,904 |
| Noninterest expense to average assets | 4.0142% | 1,016 |
| Loan and lease loss provision to assets | 0.0689% | 5,132 |
| Net operating income to assets | 0.7431% | 3,310 |
| Return on assets (ROA) | 0.7431% | 3,376 |
| Pretax return on assets | 0.7431% | 4,132 |
| Return on Equity (ROE) | 10.2618% | 2,007 |
| Retained earnings to average equity (ytd only) | 9.2039% | 1,316 |
| Net charge-offs to loans | -0.0285% | 6,693 |
| Credit loss provision to net charge-offs | -300.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1746% | 2,054 |
| Assets per employee ($millions) | 2.8306% | 6,473 |
| Cash dividends to net income (ytd only)* | 10.3093% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 6,434 |
| Loan loss allowance to noncurrent loans | 143.1034% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 1.4633% | 4,067 |
| Noncurrent loans to loans | 0.6917% | 5,640 |
| Net loans and leases to total assets | 77.1871% | 852 |
| Net loans and leases to deposits | 89.5872% | 1,281 |
| Net loans and leases to core deposits | 89.5872% | 2,396 |
| Total domestic deposits to total assets | 86.1587% | 3,428 |
| Equity capital to assets | 7.1103% | 7,049 |
| Core capital (leverage) ratio | 7.2935% | 6,862 |
| Tier 1 risk-based capital ratio | 10.8578% | 6,606 |
| Total risk-based capital ratio | 12.0361% | 6,626 |
| Memoranda: | ||
| Average total assets | $52,215,000 | 6,450 |
| Average earning assets | $41,892,000 | 6,617 |
| Average equity | $3,781,000 | 6,939 |
| Average total loans | $42,158,500 | 5,746 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6836% | 237 |
| Cost of funding earning assets | 1.5888% | 2,136 |
| Net interest margin | 5.0949% | 360 |
| Noninterest income to average assets | 0.8375% | 2,108 |
| Noninterest expense to average assets | 4.0647% | 1,072 |
| Loan and lease loss provision to assets | 0.1311% | 5,861 |
| Net operating income to assets | 1.0024% | 2,037 |
| Return on assets (ROA) | 1.0045% | 2,129 |
| Pretax return on assets | 1.0045% | 2,920 |
| Return on Equity (ROE) | 13.1521% | 1,051 |
| Retained earnings to average equity (ytd only) | 7.5036% | 1,148 |
| Net charge-offs to loans | 0.1350% | 5,563 |
| Credit loss provision to net charge-offs | 112.7273% | 3,871 |
| Earnings coverage of net charge-offs (x) | 9.7455% | 1,790 |
| Efficiency ratio | 78.1937% | 2,677 |
| Assets per employee ($millions) | 2.6657% | 6,743 |
| Cash dividends to net income (ytd only)* | 42.9474% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 6,577 |
| Loan loss allowance to noncurrent loans | 138.4880% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 1.5558% | 3,973 |
| Noncurrent loans to loans | 0.6865% | 5,672 |
| Net loans and leases to total assets | 82.8980% | 391 |
| Net loans and leases to deposits | 97.0125% | 783 |
| Net loans and leases to core deposits | 97.0125% | 1,891 |
| Total domestic deposits to total assets | 85.4508% | 3,630 |
| Equity capital to assets | 7.3802% | 6,953 |
| Core capital (leverage) ratio | 7.7958% | 6,442 |
| Tier 1 risk-based capital ratio | 10.5686% | 6,656 |
| Total risk-based capital ratio | 11.7080% | 6,705 |
| Memoranda: | ||
| Average total assets | $47,285,400 | 6,629 |
| Average earning assets | $40,472,000 | 6,695 |
| Average equity | $3,611,600 | 7,109 |
| Average total loans | $40,736,000 | 5,896 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7202% | 229 |
| Cost of funding earning assets | 1.6210% | 2,274 |
| Net interest margin | 5.0993% | 357 |
| Noninterest income to average assets | 0.8584% | 1,962 |
| Noninterest expense to average assets | 4.0793% | 955 |
| Loan and lease loss provision to assets | 0.1521% | 5,521 |
| Net operating income to assets | 1.0249% | 2,154 |
| Return on assets (ROA) | 1.0249% | 2,261 |
| Pretax return on assets | 1.0249% | 3,090 |
| Return on Equity (ROE) | 13.2958% | 1,188 |
| Retained earnings to average equity (ytd only) | 7.8584% | 1,466 |
| Net charge-offs to loans | 0.1852% | 4,844 |
| Credit loss provision to net charge-offs | 94.6429% | 4,579 |
| Earnings coverage of net charge-offs (x) | 7.3219% | 2,353 |
| Efficiency ratio | 77.6079% | 2,679 |
| Assets per employee ($millions) | 2.5234% | 7,060 |
| Cash dividends to net income (ytd only)* | 40.8958% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 6,629 |
| Loan loss allowance to noncurrent loans | 9,825.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 1.0449% | 5,015 |
| Noncurrent loans to loans | 0.0095% | 7,248 |
| Net loans and leases to total assets | 86.7807% | 152 |
| Net loans and leases to deposits | 102.4071% | 515 |
| Net loans and leases to core deposits | 102.4071% | 1,615 |
| Total domestic deposits to total assets | 84.7408% | 3,755 |
| Equity capital to assets | 7.6713% | 7,018 |
| Core capital (leverage) ratio | 7.7610% | 6,614 |
| Tier 1 risk-based capital ratio | 10.5532% | 6,740 |
| Total risk-based capital ratio | 11.6808% | 6,813 |
| Memoranda: | ||
| Average total assets | $46,444,500 | 6,728 |
| Average earning assets | $40,057,250 | 6,794 |
| Average equity | $3,580,000 | 7,211 |
| Average total loans | $40,322,500 | 5,993 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6444% | 272 |
| Cost of funding earning assets | 1.6915% | 2,158 |
| Net interest margin | 4.9529% | 469 |
| Noninterest income to average assets | 0.8489% | 1,889 |
| Noninterest expense to average assets | 4.1180% | 899 |
| Loan and lease loss provision to assets | 0.1915% | 4,964 |
| Net operating income to assets | 0.7966% | 2,994 |
| Return on assets (ROA) | 0.7966% | 3,135 |
| Pretax return on assets | 0.7966% | 3,894 |
| Return on Equity (ROE) | 10.3176% | 1,987 |
| Retained earnings to average equity (ytd only) | 10.3176% | 777 |
| Net charge-offs to loans | 0.0402% | 5,809 |
| Credit loss provision to net charge-offs | 550.0000% | 670 |
| Earnings coverage of net charge-offs (x) | 28.3750% | 952 |
| Efficiency ratio | 80.6479% | 2,349 |
| Assets per employee ($millions) | 2.4154% | 7,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 6,155 |
| Loan loss allowance to noncurrent loans | 126.2391% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 1.2028% | 4,731 |
| Noncurrent loans to loans | 0.8376% | 5,606 |
| Net loans and leases to total assets | 88.2899% | 119 |
| Net loans and leases to deposits | 104.9037% | 441 |
| Net loans and leases to core deposits | 105.8105% | 1,464 |
| Total domestic deposits to total assets | 84.1628% | 4,033 |
| Equity capital to assets | 7.9535% | 6,803 |
| Core capital (leverage) ratio | 7.6655% | 6,654 |
| Tier 1 risk-based capital ratio | 10.9105% | 6,331 |
| Total risk-based capital ratio | 12.1899% | 6,286 |
| Memoranda: | ||
| Average total assets | $45,944,330 | 6,793 |
| Average earning assets | $39,492,000 | 6,868 |
| Average equity | $3,547,330 | 7,252 |
| Average total loans | $39,763,330 | 6,058 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6212% | 299 |
| Cost of funding earning assets | 1.7170% | 2,306 |
| Net interest margin | 4.9042% | 513 |
| Noninterest income to average assets | 0.9310% | 1,511 |
| Noninterest expense to average assets | 4.2462% | 769 |
| Loan and lease loss provision to assets | 0.3306% | 3,414 |
| Net operating income to assets | 0.5047% | 4,371 |
| Return on assets (ROA) | 0.5047% | 4,511 |
| Pretax return on assets | 0.5047% | 4,945 |
| Return on Equity (ROE) | 6.6362% | 3,550 |
| Retained earnings to average equity (ytd only) | 6.6362% | 2,307 |
| Net charge-offs to loans | -0.0102% | 6,898 |
| Credit loss provision to net charge-offs | -3,800.0000% | 6,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5616% | 2,066 |
| Assets per employee ($millions) | 2.4912% | 7,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 6,003 |
| Loan loss allowance to noncurrent loans | 121.5686% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 1.8169% | 3,759 |
| Noncurrent loans to loans | 0.9048% | 5,505 |
| Net loans and leases to total assets | 82.4414% | 537 |
| Net loans and leases to deposits | 106.3270% | 407 |
| Net loans and leases to core deposits | 107.2947% | 1,472 |
| Total domestic deposits to total assets | 77.5358% | 6,443 |
| Equity capital to assets | 7.4472% | 7,108 |
| Core capital (leverage) ratio | 7.5126% | 6,839 |
| Tier 1 risk-based capital ratio | 10.7215% | 6,419 |
| Total risk-based capital ratio | 11.9746% | 6,403 |
| Memoranda: | ||
| Average total assets | $45,970,500 | 6,875 |
| Average earning assets | $38,905,500 | 6,978 |
| Average equity | $3,496,000 | 7,344 |
| Average total loans | $39,169,500 | 6,161 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9940% | 285 |
| Cost of funding earning assets | 2.0010% | 2,962 |
| Net interest margin | 4.9930% | 456 |
| Noninterest income to average assets | 0.7859% | 2,474 |
| Noninterest expense to average assets | 4.0940% | 1,241 |
| Loan and lease loss provision to assets | 0.2334% | 5,508 |
| Net operating income to assets | 0.8979% | 2,182 |
| Return on assets (ROA) | 0.8979% | 2,252 |
| Pretax return on assets | 0.8979% | 2,931 |
| Return on Equity (ROE) | 11.9652% | 1,168 |
| Retained earnings to average equity (ytd only) | 6.8871% | 1,006 |
| Net charge-offs to loans | 0.1042% | 6,102 |
| Credit loss provision to net charge-offs | 257.8947% | 1,359 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,506 |
| Efficiency ratio | 78.3500% | 3,137 |
| Assets per employee ($millions) | 2.3478% | 7,409 |
| Cash dividends to net income (ytd only)* | 42.4403% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 6,278 |
| Loan loss allowance to noncurrent loans | 110.6145% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 2.1969% | 3,131 |
| Noncurrent loans to loans | 0.9207% | 5,471 |
| Net loans and leases to total assets | 86.2782% | 262 |
| Net loans and leases to deposits | 113.5745% | 272 |
| Net loans and leases to core deposits | 126.4315% | 1,479 |
| Total domestic deposits to total assets | 75.9662% | 6,688 |
| Equity capital to assets | 7.7721% | 6,794 |
| Core capital (leverage) ratio | 8.1773% | 5,858 |
| Tier 1 risk-based capital ratio | 10.8493% | 6,065 |
| Total risk-based capital ratio | 12.0885% | 6,052 |
| Memoranda: | ||
| Average total assets | $41,988,000 | 7,026 |
| Average earning assets | $37,332,200 | 7,039 |
| Average equity | $3,150,800 | 7,547 |
| Average total loans | $36,481,600 | 6,282 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0654% | 274 |
| Cost of funding earning assets | 2.0825% | 2,971 |
| Net interest margin | 4.9829% | 460 |
| Noninterest income to average assets | 0.7677% | 2,607 |
| Noninterest expense to average assets | 4.0935% | 1,158 |
| Loan and lease loss provision to assets | 0.2968% | 4,594 |
| Net operating income to assets | 0.8387% | 2,659 |
| Return on assets (ROA) | 0.8387% | 2,722 |
| Pretax return on assets | 0.8387% | 3,415 |
| Return on Equity (ROE) | 11.2854% | 1,550 |
| Retained earnings to average equity (ytd only) | 6.9449% | 1,525 |
| Net charge-offs to loans | -0.0111% | 7,698 |
| Credit loss provision to net charge-offs | -3,066.6667% | 7,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2850% | 3,122 |
| Assets per employee ($millions) | 2.3106% | 7,492 |
| Cash dividends to net income (ytd only)* | 38.4613% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 5,534 |
| Loan loss allowance to noncurrent loans | 57.2185% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 1.8792% | 3,540 |
| Noncurrent loans to loans | 1.9757% | 3,676 |
| Net loans and leases to total assets | 86.0599% | 338 |
| Net loans and leases to deposits | 113.2554% | 354 |
| Net loans and leases to core deposits | 126.8491% | 1,667 |
| Total domestic deposits to total assets | 75.9874% | 6,579 |
| Equity capital to assets | 7.7696% | 7,065 |
| Core capital (leverage) ratio | 8.1740% | 6,061 |
| Tier 1 risk-based capital ratio | 10.9820% | 5,969 |
| Total risk-based capital ratio | 12.2634% | 5,905 |
| Memoranda: | ||
| Average total assets | $41,333,000 | 7,094 |
| Average earning assets | $37,005,500 | 7,112 |
| Average equity | $3,071,750 | 7,639 |
| Average total loans | $35,881,250 | 6,357 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0803% | 275 |
| Cost of funding earning assets | 2.1685% | 2,945 |
| Net interest margin | 4.9119% | 524 |
| Noninterest income to average assets | 0.7856% | 2,483 |
| Noninterest expense to average assets | 4.2197% | 1,048 |
| Loan and lease loss provision to assets | 0.0889% | 6,281 |
| Net operating income to assets | 0.9092% | 2,422 |
| Return on assets (ROA) | 0.9141% | 2,496 |
| Pretax return on assets | 0.9141% | 3,292 |
| Return on Equity (ROE) | 12.5056% | 1,286 |
| Retained earnings to average equity (ytd only) | 5.7458% | 2,143 |
| Net charge-offs to loans | -0.0114% | 7,622 |
| Credit loss provision to net charge-offs | -900.0000% | 7,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8712% | 2,906 |
| Assets per employee ($millions) | 2.6029% | 7,049 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 6,376 |
| Loan loss allowance to noncurrent loans | 661.1111% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 6,725 |
| Noncurrent loans to loans | 0.1483% | 7,148 |
| Net loans and leases to total assets | 86.5773% | 327 |
| Net loans and leases to deposits | 112.0726% | 474 |
| Net loans and leases to core deposits | 125.8939% | 1,886 |
| Total domestic deposits to total assets | 77.2511% | 6,267 |
| Equity capital to assets | 8.0104% | 6,735 |
| Core capital (leverage) ratio | 8.1737% | 6,024 |
| Tier 1 risk-based capital ratio | 11.3085% | 5,584 |
| Total risk-based capital ratio | 12.5186% | 5,531 |
| Memoranda: | ||
| Average total assets | $40,476,670 | 7,185 |
| Average earning assets | $36,523,670 | 7,198 |
| Average equity | $2,958,670 | 7,739 |
| Average total loans | $35,103,670 | 6,451 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9960% | 343 |
| Cost of funding earning assets | 2.3064% | 2,667 |
| Net interest margin | 4.6896% | 778 |
| Noninterest income to average assets | 0.6818% | 2,994 |
| Noninterest expense to average assets | 3.9206% | 1,282 |
| Loan and lease loss provision to assets | 0.0902% | 5,810 |
| Net operating income to assets | 0.9526% | 2,506 |
| Return on assets (ROA) | 0.9526% | 2,634 |
| Pretax return on assets | 0.9526% | 3,524 |
| Return on Equity (ROE) | 13.7184% | 1,224 |
| Retained earnings to average equity (ytd only) | 4.6209% | 3,353 |
| Net charge-offs to loans | -0.0116% | 7,310 |
| Credit loss provision to net charge-offs | -900.0000% | 6,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9899% | 3,004 |
| Assets per employee ($millions) | 2.7551% | 6,756 |
| Cash dividends to net income (ytd only)* | 66.3158% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 6,132 |
| Loan loss allowance to noncurrent loans | 1,281.4815% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.2347% | 6,818 |
| Noncurrent loans to loans | 0.0785% | 7,299 |
| Net loans and leases to total assets | 82.3917% | 948 |
| Net loans and leases to deposits | 103.5017% | 1,047 |
| Net loans and leases to core deposits | 115.6590% | 2,836 |
| Total domestic deposits to total assets | 79.6041% | 5,502 |
| Equity capital to assets | 6.7389% | 7,790 |
| Core capital (leverage) ratio | 6.8423% | 7,738 |
| Tier 1 risk-based capital ratio | 9.5300% | 7,400 |
| Total risk-based capital ratio | 10.7187% | 7,404 |
| Memoranda: | ||
| Average total assets | $39,892,000 | 7,252 |
| Average earning assets | $36,421,000 | 7,254 |
| Average equity | $2,770,000 | 7,847 |
| Average total loans | $34,449,000 | 6,522 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0040% | 190 |
| Cost of funding earning assets | 2.8938% | 2,292 |
| Net interest margin | 5.1103% | 395 |
| Noninterest income to average assets | 0.9752% | 1,675 |
| Noninterest expense to average assets | 4.4659% | 895 |
| Loan and lease loss provision to assets | 0.0589% | 6,673 |
| Net operating income to assets | 1.1198% | 2,070 |
| Return on assets (ROA) | 1.1305% | 1,945 |
| Pretax return on assets | 1.1305% | 2,919 |
| Return on Equity (ROE) | 15.6077% | 832 |
| Retained earnings to average equity (ytd only) | 4.2163% | 2,495 |
| Net charge-offs to loans | 0.0121% | 6,749 |
| Credit loss provision to net charge-offs | 550.0000% | 798 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 398 |
| Efficiency ratio | 79.1172% | 2,735 |
| Assets per employee ($millions) | 2.5638% | 7,077 |
| Cash dividends to net income (ytd only)* | 72.9858% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 6,247 |
| Loan loss allowance to noncurrent loans | 228.5714% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.5591% | 5,508 |
| Noncurrent loans to loans | 0.4261% | 6,062 |
| Net loans and leases to total assets | 88.8421% | 295 |
| Net loans and leases to deposits | 108.7051% | 922 |
| Net loans and leases to core deposits | 122.5906% | 2,440 |
| Total domestic deposits to total assets | 81.7276% | 4,306 |
| Equity capital to assets | 7.1638% | 7,645 |
| Core capital (leverage) ratio | 7.3258% | 7,388 |
| Tier 1 risk-based capital ratio | 9.6068% | 7,202 |
| Total risk-based capital ratio | 10.7801% | 7,195 |
| Memoranda: | ||
| Average total assets | $37,327,000 | 7,333 |
| Average earning assets | $34,107,800 | 7,317 |
| Average equity | $2,703,800 | 7,927 |
| Average total loans | $32,958,400 | 6,552 |