Home > Citizens' Bank, Inc. > Performance and Condition Ratios
Citizens' Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4658% | 3,153 |
| Cost of funding earning assets | 1.5229% | 1,886 |
| Net interest margin | 2.9429% | 3,407 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.5033% | 2,286 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.6444% | 3,321 |
| Return on assets (ROA) | 0.5245% | 3,602 |
| Pretax return on assets | 0.5362% | 3,751 |
| Return on Equity (ROE) | 8.1400% | 2,980 |
| Retained earnings to average equity (ytd only) | 6.0118% | 2,234 |
| Net charge-offs to loans | 0.0214% | 1,909 |
| Credit loss provision to net charge-offs | 468.7500% | 708 |
| Earnings coverage of net charge-offs (x) | 67.9375% | 1,114 |
| Efficiency ratio | 77.9692% | 1,074 |
| Assets per employee ($millions) | 5.6544% | 3,111 |
| Cash dividends to net income (ytd only)* | 26.1787% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 2,527 |
| Loan loss allowance to noncurrent loans | 643.6620% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 2,930 |
| Noncurrent loans to loans | 0.1794% | 2,618 |
| Net loans and leases to total assets | 49.4100% | 3,633 |
| Net loans and leases to deposits | 53.2228% | 3,827 |
| Net loans and leases to core deposits | 62.7552% | 3,645 |
| Total domestic deposits to total assets | 92.8300% | 189 |
| Equity capital to assets | 6.8594% | 3,990 |
| Core capital (leverage) ratio | 9.6609% | 3,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $153,675,200 | 3,322 |
| Average earning assets | $145,639,800 | 3,291 |
| Average equity | $9,897,200 | 3,734 |
| Average total loans | $74,766,800 | 3,481 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3411% | 3,208 |
| Cost of funding earning assets | 1.3581% | 1,985 |
| Net interest margin | 2.9829% | 3,368 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.5282% | 2,141 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6622% | 3,403 |
| Return on assets (ROA) | 0.5175% | 3,715 |
| Pretax return on assets | 0.5901% | 3,754 |
| Return on Equity (ROE) | 8.1700% | 3,134 |
| Retained earnings to average equity (ytd only) | 6.4480% | 2,479 |
| Net charge-offs to loans | 0.0054% | 2,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 287.6667% | 467 |
| Efficiency ratio | 77.0173% | 1,089 |
| Assets per employee ($millions) | 5.2997% | 3,351 |
| Cash dividends to net income (ytd only)* | 21.1149% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0657% | 3,044 |
| Loan loss allowance to noncurrent loans | 2,508.8235% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 3,607 |
| Noncurrent loans to loans | 0.0425% | 3,456 |
| Net loans and leases to total assets | 49.8100% | 3,628 |
| Net loans and leases to deposits | 53.0875% | 3,836 |
| Net loans and leases to core deposits | 62.4014% | 3,597 |
| Total domestic deposits to total assets | 93.8200% | 202 |
| Equity capital to assets | 5.8468% | 4,038 |
| Core capital (leverage) ratio | 9.8655% | 2,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $152,513,000 | 3,346 |
| Average earning assets | $144,507,500 | 3,308 |
| Average equity | $9,656,500 | 3,758 |
| Average total loans | $73,675,000 | 3,505 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3114% | 3,078 |
| Cost of funding earning assets | 1.2182% | 1,934 |
| Net interest margin | 3.0932% | 3,237 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.5340% | 2,112 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8424% | 2,949 |
| Return on assets (ROA) | 0.6199% | 3,535 |
| Pretax return on assets | 0.6944% | 3,612 |
| Return on Equity (ROE) | 9.5300% | 2,823 |
| Retained earnings to average equity (ytd only) | 6.9758% | 2,290 |
| Net charge-offs to loans | 0.0112% | 1,783 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 177.5000% | 671 |
| Efficiency ratio | 72.8489% | 1,472 |
| Assets per employee ($millions) | 5.1542% | 3,452 |
| Cash dividends to net income (ytd only)* | 26.8240% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 2,541 |
| Loan loss allowance to noncurrent loans | 2,239.4737% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 3,536 |
| Noncurrent loans to loans | 0.0527% | 3,324 |
| Net loans and leases to total assets | 47.6500% | 3,706 |
| Net loans and leases to deposits | 52.4357% | 3,820 |
| Net loans and leases to core deposits | 56.2532% | 3,805 |
| Total domestic deposits to total assets | 90.8800% | 685 |
| Equity capital to assets | 6.6240% | 3,938 |
| Core capital (leverage) ratio | 9.9195% | 2,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $150,353,333 | 3,375 |
| Average earning assets | $142,504,333 | 3,335 |
| Average equity | $9,776,667 | 3,769 |
| Average total loans | $71,553,000 | 3,538 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1923% | 3,064 |
| Cost of funding earning assets | 1.0271% | 1,961 |
| Net interest margin | 3.1652% | 3,199 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.4404% | 2,397 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1544% | 2,053 |
| Return on assets (ROA) | 0.7056% | 3,407 |
| Pretax return on assets | 0.7799% | 3,509 |
| Return on Equity (ROE) | 10.9500% | 2,507 |
| Retained earnings to average equity (ytd only) | 5.8058% | 2,820 |
| Net charge-offs to loans | 0.0056% | 1,757 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 482.0000% | 235 |
| Efficiency ratio | 65.6205% | 2,253 |
| Assets per employee ($millions) | 5.0932% | 3,580 |
| Cash dividends to net income (ytd only)* | 46.9925% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 2,702 |
| Loan loss allowance to noncurrent loans | 777.2727% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 3,077 |
| Noncurrent loans to loans | 0.1509% | 2,739 |
| Net loans and leases to total assets | 47.1300% | 3,702 |
| Net loans and leases to deposits | 50.6459% | 3,863 |
| Net loans and leases to core deposits | 57.1528% | 3,684 |
| Total domestic deposits to total assets | 93.0700% | 299 |
| Equity capital to assets | 6.6154% | 3,993 |
| Core capital (leverage) ratio | 9.8186% | 2,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $150,794,500 | 3,417 |
| Average earning assets | $142,928,500 | 3,376 |
| Average equity | $9,714,500 | 3,817 |
| Average total loans | $71,291,500 | 3,582 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6691% | 2,615 |
| Cost of funding earning assets | 0.3168% | 2,743 |
| Net interest margin | 3.3523% | 2,418 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.5940% | 1,845 |
| Loan and lease loss provision to assets | -0.3400% | 4,676 |
| Net operating income to assets | 1.2186% | 1,705 |
| Return on assets (ROA) | 0.9598% | 2,672 |
| Pretax return on assets | 1.0017% | 3,070 |
| Return on Equity (ROE) | 12.7600% | 1,892 |
| Retained earnings to average equity (ytd only) | -4.4419% | 4,560 |
| Net charge-offs to loans | -0.0169% | 4,000 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.6033% | 1,258 |
| Assets per employee ($millions) | 4.9598% | 3,710 |
| Cash dividends to net income (ytd only)* | 134.8106% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,263 |
| Loan loss allowance to noncurrent loans | 838.2353% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 3,108 |
| Noncurrent loans to loans | 0.1463% | 2,779 |
| Net loans and leases to total assets | 46.2700% | 3,785 |
| Net loans and leases to deposits | 49.5367% | 3,916 |
| Net loans and leases to core deposits | 53.3153% | 3,846 |
| Total domestic deposits to total assets | 93.4100% | 326 |
| Equity capital to assets | 6.2644% | 3,992 |
| Core capital (leverage) ratio | 9.7391% | 2,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $145,758,800 | 3,484 |
| Average earning assets | $137,963,400 | 3,440 |
| Average equity | $10,963,800 | 3,762 |
| Average total loans | $71,133,600 | 3,564 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4872% | 2,657 |
| Cost of funding earning assets | 0.2236% | 3,007 |
| Net interest margin | 3.2636% | 2,408 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.5394% | 1,893 |
| Loan and lease loss provision to assets | -0.0700% | 4,539 |
| Net operating income to assets | 0.9384% | 2,718 |
| Return on assets (ROA) | 0.9384% | 2,682 |
| Pretax return on assets | 0.9815% | 3,072 |
| Return on Equity (ROE) | 11.7400% | 2,128 |
| Retained earnings to average equity (ytd only) | -9.2145% | 4,667 |
| Net charge-offs to loans | -0.0261% | 4,088 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.6576% | 1,316 |
| Assets per employee ($millions) | 4.9793% | 3,686 |
| Cash dividends to net income (ytd only)* | 178.5156% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8179% | 705 |
| Loan loss allowance to noncurrent loans | 413.6364% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 2,232 |
| Noncurrent loans to loans | 0.4395% | 1,709 |
| Net loans and leases to total assets | 46.0600% | 3,754 |
| Net loans and leases to deposits | 49.5603% | 3,884 |
| Net loans and leases to core deposits | 52.6946% | 3,822 |
| Total domestic deposits to total assets | 92.9400% | 595 |
| Equity capital to assets | 6.0899% | 3,928 |
| Core capital (leverage) ratio | 9.5347% | 3,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $145,491,500 | 3,508 |
| Average earning assets | $137,757,000 | 3,465 |
| Average equity | $11,633,500 | 3,751 |
| Average total loans | $71,490,000 | 3,561 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4225% | 2,365 |
| Cost of funding earning assets | 0.1741% | 3,262 |
| Net interest margin | 3.2484% | 2,059 |
| Noninterest income to average assets | 0.3745% | 2,902 |
| Noninterest expense to average assets | 2.5216% | 1,858 |
| Loan and lease loss provision to assets | -0.1110% | 4,611 |
| Net operating income to assets | 1.0083% | 2,122 |
| Return on assets (ROA) | 1.0083% | 2,094 |
| Pretax return on assets | 1.0430% | 2,594 |
| Return on Equity (ROE) | 11.6516% | 1,772 |
| Retained earnings to average equity (ytd only) | 7.7731% | 1,704 |
| Net charge-offs to loans | 0.0028% | 1,980 |
| Credit loss provision to net charge-offs | -8,000.0000% | 3,833 |
| Earnings coverage of net charge-offs (x) | 672.0000% | 204 |
| Efficiency ratio | 73.0120% | 1,626 |
| Assets per employee ($millions) | 4.8704% | 3,796 |
| Cash dividends to net income (ytd only)* | 33.2875% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7336% | 906 |
| Loan loss allowance to noncurrent loans | 394.9843% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 2,223 |
| Noncurrent loans to loans | 0.4389% | 1,805 |
| Net loans and leases to total assets | 48.8820% | 3,476 |
| Net loans and leases to deposits | 53.1865% | 3,594 |
| Net loans and leases to core deposits | 55.5645% | 3,603 |
| Total domestic deposits to total assets | 91.9068% | 876 |
| Equity capital to assets | 7.1295% | 3,700 |
| Core capital (leverage) ratio | 10.5957% | 1,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,196,000 | 3,562 |
| Average earning assets | $136,684,333 | 3,530 |
| Average equity | $12,479,000 | 3,736 |
| Average total loans | $71,960,000 | 3,585 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9883% | 3,288 |
| Cost of funding earning assets | 0.1441% | 3,578 |
| Net interest margin | 2.8441% | 3,001 |
| Noninterest income to average assets | 0.3910% | 2,754 |
| Noninterest expense to average assets | 2.5971% | 1,611 |
| Loan and lease loss provision to assets | -0.2234% | 4,705 |
| Net operating income to assets | 0.7177% | 2,991 |
| Return on assets (ROA) | 0.7177% | 2,981 |
| Pretax return on assets | 0.7177% | 3,342 |
| Return on Equity (ROE) | 7.6092% | 2,836 |
| Retained earnings to average equity (ytd only) | 0.4441% | 3,930 |
| Net charge-offs to loans | -0.1620% | 4,563 |
| Credit loss provision to net charge-offs | 275.8621% | 692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0108% | 850 |
| Assets per employee ($millions) | 5.0326% | 3,726 |
| Cash dividends to net income (ytd only)* | 94.1634% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8242% | 844 |
| Loan loss allowance to noncurrent loans | 312.3487% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 1,993 |
| Noncurrent loans to loans | 0.5840% | 1,588 |
| Net loans and leases to total assets | 47.5690% | 3,430 |
| Net loans and leases to deposits | 52.0123% | 3,568 |
| Net loans and leases to core deposits | 54.3525% | 3,569 |
| Total domestic deposits to total assets | 91.4571% | 824 |
| Equity capital to assets | 8.2030% | 3,405 |
| Core capital (leverage) ratio | 10.5029% | 1,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,238,500 | 3,587 |
| Average earning assets | $135,999,000 | 3,551 |
| Average equity | $13,510,000 | 3,703 |
| Average total loans | $71,599,000 | 3,591 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4077% | 2,908 |
| Cost of funding earning assets | 0.1522% | 3,945 |
| Net interest margin | 3.2554% | 2,445 |
| Noninterest income to average assets | 0.5618% | 2,313 |
| Noninterest expense to average assets | 2.7014% | 1,631 |
| Loan and lease loss provision to assets | 0.0694% | 1,689 |
| Net operating income to assets | 0.8120% | 3,297 |
| Return on assets (ROA) | 0.8206% | 3,343 |
| Pretax return on assets | 0.8467% | 3,634 |
| Return on Equity (ROE) | 7.4689% | 3,385 |
| Retained earnings to average equity (ytd only) | 6.5726% | 2,097 |
| Net charge-offs to loans | -0.0848% | 4,532 |
| Credit loss provision to net charge-offs | -143.0769% | 3,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8605% | 1,226 |
| Assets per employee ($millions) | 5.4050% | 3,351 |
| Cash dividends to net income (ytd only)* | 12.0000% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8487% | 797 |
| Loan loss allowance to noncurrent loans | 289.4168% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 1,917 |
| Noncurrent loans to loans | 0.6388% | 1,561 |
| Net loans and leases to total assets | 50.6244% | 3,203 |
| Net loans and leases to deposits | 56.9253% | 3,343 |
| Net loans and leases to core deposits | 59.6692% | 3,335 |
| Total domestic deposits to total assets | 88.9313% | 1,546 |
| Equity capital to assets | 10.7080% | 2,006 |
| Core capital (leverage) ratio | 10.9404% | 1,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,042,400 | 3,639 |
| Average earning assets | $125,451,600 | 3,625 |
| Average equity | $14,727,800 | 3,667 |
| Average total loans | $76,652,000 | 3,528 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4773% | 2,906 |
| Cost of funding earning assets | 0.1605% | 4,010 |
| Net interest margin | 3.3169% | 2,365 |
| Noninterest income to average assets | 0.6353% | 2,070 |
| Noninterest expense to average assets | 2.8162% | 1,304 |
| Loan and lease loss provision to assets | 0.0936% | 1,275 |
| Net operating income to assets | 0.7750% | 3,585 |
| Return on assets (ROA) | 0.7864% | 3,626 |
| Pretax return on assets | 0.8387% | 3,820 |
| Return on Equity (ROE) | 7.1090% | 3,642 |
| Retained earnings to average equity (ytd only) | 5.9075% | 2,867 |
| Net charge-offs to loans | -0.1115% | 4,649 |
| Credit loss provision to net charge-offs | -143.0769% | 3,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3705% | 1,085 |
| Assets per employee ($millions) | 5.1971% | 3,507 |
| Cash dividends to net income (ytd only)* | 16.9014% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8836% | 796 |
| Loan loss allowance to noncurrent loans | 181.4363% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 1,401 |
| Noncurrent loans to loans | 1.0381% | 1,093 |
| Net loans and leases to total assets | 51.6185% | 3,236 |
| Net loans and leases to deposits | 58.3493% | 3,376 |
| Net loans and leases to core deposits | 61.2957% | 3,383 |
| Total domestic deposits to total assets | 88.4647% | 1,588 |
| Equity capital to assets | 11.0439% | 1,981 |
| Core capital (leverage) ratio | 10.9573% | 1,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,420,250 | 3,689 |
| Average earning assets | $123,808,000 | 3,678 |
| Average equity | $14,647,750 | 3,722 |
| Average total loans | $77,694,250 | 3,567 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5362% | 2,806 |
| Cost of funding earning assets | 0.1542% | 4,173 |
| Net interest margin | 3.3819% | 2,197 |
| Noninterest income to average assets | 0.7482% | 1,675 |
| Noninterest expense to average assets | 2.8331% | 1,285 |
| Loan and lease loss provision to assets | 0.1414% | 860 |
| Net operating income to assets | 0.9071% | 3,193 |
| Return on assets (ROA) | 0.9246% | 3,225 |
| Pretax return on assets | 0.9596% | 3,529 |
| Return on Equity (ROE) | 8.3539% | 3,298 |
| Retained earnings to average equity (ytd only) | 6.5403% | 2,608 |
| Net charge-offs to loans | -0.0025% | 3,245 |
| Credit loss provision to net charge-offs | -9,300.0000% | 4,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3495% | 1,396 |
| Assets per employee ($millions) | 4.4002% | 4,185 |
| Cash dividends to net income (ytd only)* | 21.7105% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 1,198 |
| Loan loss allowance to noncurrent loans | 234.5588% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 1,963 |
| Noncurrent loans to loans | 0.6979% | 1,686 |
| Net loans and leases to total assets | 58.0849% | 2,658 |
| Net loans and leases to deposits | 65.7697% | 2,841 |
| Net loans and leases to core deposits | 69.1794% | 2,851 |
| Total domestic deposits to total assets | 88.3156% | 1,660 |
| Equity capital to assets | 11.1935% | 1,837 |
| Core capital (leverage) ratio | 10.7603% | 1,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,519,000 | 3,710 |
| Average earning assets | $123,184,667 | 3,699 |
| Average equity | $14,556,000 | 3,733 |
| Average total loans | $79,896,333 | 3,552 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 2,752 |
| Cost of funding earning assets | 0.1586% | 4,250 |
| Net interest margin | 3.4043% | 2,097 |
| Noninterest income to average assets | 0.8928% | 1,347 |
| Noninterest expense to average assets | 2.8276% | 1,315 |
| Loan and lease loss provision to assets | 0.2834% | 345 |
| Net operating income to assets | 0.9720% | 2,895 |
| Return on assets (ROA) | 0.9720% | 2,991 |
| Pretax return on assets | 0.9872% | 3,409 |
| Return on Equity (ROE) | 8.8329% | 3,091 |
| Retained earnings to average equity (ytd only) | 5.1779% | 3,175 |
| Net charge-offs to loans | 0.0049% | 1,736 |
| Credit loss provision to net charge-offs | 9,300.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 417.0000% | 223 |
| Efficiency ratio | 68.9963% | 1,814 |
| Assets per employee ($millions) | 4.4094% | 4,189 |
| Cash dividends to net income (ytd only)* | 41.3793% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 1,332 |
| Loan loss allowance to noncurrent loans | 192.7383% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 1,891 |
| Noncurrent loans to loans | 0.8227% | 1,624 |
| Net loans and leases to total assets | 59.7731% | 2,567 |
| Net loans and leases to deposits | 67.4041% | 2,766 |
| Net loans and leases to core deposits | 71.3793% | 2,755 |
| Total domestic deposits to total assets | 88.6787% | 1,521 |
| Equity capital to assets | 10.8397% | 1,978 |
| Core capital (leverage) ratio | 11.0078% | 1,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,276,000 | 3,725 |
| Average earning assets | $123,607,500 | 3,699 |
| Average equity | $14,446,000 | 3,748 |
| Average total loans | $80,869,000 | 3,544 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 2,667 |
| Cost of funding earning assets | 0.2665% | 4,311 |
| Net interest margin | 3.7530% | 1,635 |
| Noninterest income to average assets | 0.4449% | 2,890 |
| Noninterest expense to average assets | 3.1527% | 1,140 |
| Loan and lease loss provision to assets | 0.2092% | 1,881 |
| Net operating income to assets | 0.5149% | 3,998 |
| Return on assets (ROA) | 0.5149% | 4,082 |
| Pretax return on assets | 0.5165% | 4,244 |
| Return on Equity (ROE) | 4.4431% | 4,042 |
| Retained earnings to average equity (ytd only) | 3.5047% | 3,076 |
| Net charge-offs to loans | 0.0126% | 2,885 |
| Credit loss provision to net charge-offs | 2,540.0000% | 369 |
| Earnings coverage of net charge-offs (x) | 88.1000% | 852 |
| Efficiency ratio | 81.2872% | 794 |
| Assets per employee ($millions) | 4.6525% | 3,761 |
| Cash dividends to net income (ytd only)* | 21.1200% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 1,767 |
| Loan loss allowance to noncurrent loans | 183.2558% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4951% | 2,081 |
| Noncurrent loans to loans | 0.7924% | 1,751 |
| Net loans and leases to total assets | 61.5744% | 2,662 |
| Net loans and leases to deposits | 75.2679% | 2,351 |
| Net loans and leases to core deposits | 80.1801% | 2,349 |
| Total domestic deposits to total assets | 81.8070% | 3,707 |
| Equity capital to assets | 11.1714% | 2,121 |
| Core capital (leverage) ratio | 13.5623% | 766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,388,800 | 3,732 |
| Average earning assets | $111,056,800 | 3,751 |
| Average equity | $14,066,800 | 3,747 |
| Average total loans | $79,148,200 | 3,567 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1362% | 2,566 |
| Cost of funding earning assets | 0.2995% | 4,314 |
| Net interest margin | 3.8367% | 1,512 |
| Noninterest income to average assets | 0.8201% | 1,420 |
| Noninterest expense to average assets | 3.6989% | 532 |
| Loan and lease loss provision to assets | 0.1678% | 2,323 |
| Net operating income to assets | 0.4196% | 4,223 |
| Return on assets (ROA) | 0.4196% | 4,289 |
| Pretax return on assets | 0.4363% | 4,394 |
| Return on Equity (ROE) | 3.5854% | 4,272 |
| Retained earnings to average equity (ytd only) | 2.3233% | 3,816 |
| Net charge-offs to loans | 0.0204% | 2,447 |
| Credit loss provision to net charge-offs | 1,250.0000% | 710 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,268 |
| Efficiency ratio | 85.9594% | 503 |
| Assets per employee ($millions) | 4.2951% | 4,053 |
| Cash dividends to net income (ytd only)* | 35.2000% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 2,296 |
| Loan loss allowance to noncurrent loans | 182.9932% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 2,362 |
| Noncurrent loans to loans | 0.6941% | 2,054 |
| Net loans and leases to total assets | 64.9094% | 2,649 |
| Net loans and leases to deposits | 76.4108% | 2,707 |
| Net loans and leases to core deposits | 82.8565% | 2,593 |
| Total domestic deposits to total assets | 84.9478% | 2,458 |
| Equity capital to assets | 11.0103% | 2,390 |
| Core capital (leverage) ratio | 10.7013% | 2,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,168,500 | 3,747 |
| Average earning assets | $108,180,750 | 3,791 |
| Average equity | $13,945,250 | 3,768 |
| Average total loans | $78,586,500 | 3,602 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3235% | 2,411 |
| Cost of funding earning assets | 0.3488% | 4,273 |
| Net interest margin | 3.9747% | 1,390 |
| Noninterest income to average assets | 0.8073% | 1,413 |
| Noninterest expense to average assets | 3.5932% | 661 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7745% | 3,140 |
| Return on assets (ROA) | 0.7745% | 3,250 |
| Pretax return on assets | 0.7918% | 3,610 |
| Return on Equity (ROE) | 6.4769% | 3,340 |
| Retained earnings to average equity (ytd only) | 4.5728% | 2,666 |
| Net charge-offs to loans | -0.0131% | 4,282 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9434% | 759 |
| Assets per employee ($millions) | 4.2060% | 4,103 |
| Cash dividends to net income (ytd only)* | 29.3987% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 2,917 |
| Loan loss allowance to noncurrent loans | 134.2817% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 1.2355% | 871 |
| Noncurrent loans to loans | 0.8355% | 1,826 |
| Net loans and leases to total assets | 65.9346% | 2,639 |
| Net loans and leases to deposits | 76.1501% | 2,843 |
| Net loans and leases to core deposits | 82.5785% | 2,730 |
| Total domestic deposits to total assets | 86.5851% | 1,777 |
| Equity capital to assets | 11.2759% | 2,137 |
| Core capital (leverage) ratio | 11.1652% | 1,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,940,667 | 3,772 |
| Average earning assets | $104,359,333 | 3,835 |
| Average equity | $13,864,667 | 3,787 |
| Average total loans | $76,544,333 | 3,637 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7841% | 1,463 |
| Cost of funding earning assets | 0.4510% | 4,146 |
| Net interest margin | 4.3331% | 714 |
| Noninterest income to average assets | 0.4656% | 2,723 |
| Noninterest expense to average assets | 3.6275% | 790 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7038% | 3,259 |
| Return on assets (ROA) | 0.7038% | 3,336 |
| Pretax return on assets | 0.7219% | 3,619 |
| Return on Equity (ROE) | 5.7005% | 3,423 |
| Retained earnings to average equity (ytd only) | 1.8417% | 3,500 |
| Net charge-offs to loans | -0.0660% | 4,714 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4025% | 873 |
| Assets per employee ($millions) | 3.2628% | 4,654 |
| Cash dividends to net income (ytd only)* | 67.6923% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,373 |
| Loan loss allowance to noncurrent loans | 81.5451% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.8083% | 501 |
| Noncurrent loans to loans | 1.5362% | 1,031 |
| Net loans and leases to total assets | 65.5753% | 2,865 |
| Net loans and leases to deposits | 75.0983% | 3,163 |
| Net loans and leases to core deposits | 82.6673% | 2,965 |
| Total domestic deposits to total assets | 87.3193% | 1,416 |
| Equity capital to assets | 12.0783% | 2,011 |
| Core capital (leverage) ratio | 11.9628% | 1,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,820,500 | 3,835 |
| Average earning assets | $99,329,500 | 3,885 |
| Average equity | $13,683,000 | 3,815 |
| Average total loans | $72,746,000 | 3,708 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7843% | 2,089 |
| Cost of funding earning assets | 0.4693% | 4,204 |
| Net interest margin | 4.3150% | 1,064 |
| Noninterest income to average assets | 0.5073% | 2,689 |
| Noninterest expense to average assets | 3.8673% | 617 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5845% | 4,208 |
| Return on assets (ROA) | 0.5845% | 4,265 |
| Pretax return on assets | 0.5789% | 4,445 |
| Return on Equity (ROE) | 4.7517% | 4,281 |
| Retained earnings to average equity (ytd only) | 3.5959% | 3,200 |
| Net charge-offs to loans | 0.0729% | 2,054 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 11.7547% | 2,467 |
| Efficiency ratio | 86.9801% | 487 |
| Assets per employee ($millions) | 3.0698% | 4,789 |
| Cash dividends to net income (ytd only)* | 24.3243% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 1,720 |
| Loan loss allowance to noncurrent loans | 110.2113% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.6306% | 587 |
| Noncurrent loans to loans | 1.2231% | 1,225 |
| Net loans and leases to total assets | 63.9570% | 3,205 |
| Net loans and leases to deposits | 73.7136% | 3,380 |
| Net loans and leases to core deposits | 81.9535% | 3,125 |
| Total domestic deposits to total assets | 86.7643% | 1,723 |
| Equity capital to assets | 12.6326% | 1,749 |
| Core capital (leverage) ratio | 12.5427% | 1,466 |
| Tier 1 risk-based capital ratio | 19.4517% | 1,425 |
| Total risk-based capital ratio | 20.7046% | 1,386 |
| Memoranda: | ||
| Average total assets | $107,620,400 | 3,871 |
| Average earning assets | $98,238,800 | 3,906 |
| Average equity | $13,237,400 | 3,865 |
| Average total loans | $72,680,800 | 3,723 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7430% | 2,287 |
| Cost of funding earning assets | 0.4616% | 4,296 |
| Net interest margin | 4.2814% | 1,196 |
| Noninterest income to average assets | 0.5214% | 2,595 |
| Noninterest expense to average assets | 3.7783% | 680 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6415% | 4,178 |
| Return on assets (ROA) | 0.6415% | 4,229 |
| Pretax return on assets | 0.6601% | 4,432 |
| Return on Equity (ROE) | 5.2507% | 4,258 |
| Retained earnings to average equity (ytd only) | 3.6998% | 3,544 |
| Net charge-offs to loans | 0.0763% | 1,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 12.6902% | 2,340 |
| Efficiency ratio | 85.1283% | 543 |
| Assets per employee ($millions) | 3.0575% | 4,859 |
| Cash dividends to net income (ytd only)* | 29.5359% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 1,928 |
| Loan loss allowance to noncurrent loans | 63.8441% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 2.2782% | 332 |
| Noncurrent loans to loans | 2.0515% | 651 |
| Net loans and leases to total assets | 66.8934% | 2,938 |
| Net loans and leases to deposits | 77.0897% | 3,191 |
| Net loans and leases to core deposits | 85.7283% | 2,932 |
| Total domestic deposits to total assets | 86.7734% | 1,637 |
| Equity capital to assets | 12.6070% | 1,835 |
| Core capital (leverage) ratio | 12.5639% | 1,541 |
| Tier 1 risk-based capital ratio | 18.5198% | 1,682 |
| Total risk-based capital ratio | 19.7719% | 1,651 |
| Memoranda: | ||
| Average total assets | $107,664,500 | 3,906 |
| Average earning assets | $98,501,500 | 3,932 |
| Average equity | $13,153,500 | 3,915 |
| Average total loans | $73,436,750 | 3,752 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 1,982 |
| Cost of funding earning assets | 0.4444% | 4,343 |
| Net interest margin | 4.3813% | 976 |
| Noninterest income to average assets | 0.5228% | 2,553 |
| Noninterest expense to average assets | 3.6837% | 765 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8231% | 3,574 |
| Return on assets (ROA) | 0.8231% | 3,630 |
| Pretax return on assets | 0.8417% | 3,994 |
| Return on Equity (ROE) | 6.8093% | 3,745 |
| Retained earnings to average equity (ytd only) | 4.4628% | 3,035 |
| Net charge-offs to loans | 0.0244% | 2,363 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 50.4444% | 1,088 |
| Efficiency ratio | 81.4011% | 846 |
| Assets per employee ($millions) | 3.1897% | 4,777 |
| Cash dividends to net income (ytd only)* | 34.4595% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 1,926 |
| Loan loss allowance to noncurrent loans | 71.6679% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 2.1420% | 406 |
| Noncurrent loans to loans | 1.8422% | 813 |
| Net loans and leases to total assets | 67.8159% | 2,840 |
| Net loans and leases to deposits | 77.8621% | 3,159 |
| Net loans and leases to core deposits | 82.0691% | 3,265 |
| Total domestic deposits to total assets | 87.0974% | 1,554 |
| Equity capital to assets | 12.3484% | 1,941 |
| Core capital (leverage) ratio | 12.2736% | 1,662 |
| Tier 1 risk-based capital ratio | 18.4265% | 1,694 |
| Total risk-based capital ratio | 19.6778% | 1,653 |
| Memoranda: | ||
| Average total assets | $107,882,000 | 3,928 |
| Average earning assets | $98,556,330 | 3,953 |
| Average equity | $13,041,000 | 3,930 |
| Average total loans | $73,737,670 | 3,770 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7656% | 2,013 |
| Cost of funding earning assets | 0.4084% | 4,450 |
| Net interest margin | 4.3572% | 993 |
| Noninterest income to average assets | 0.5279% | 2,393 |
| Noninterest expense to average assets | 3.5205% | 941 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9554% | 3,028 |
| Return on assets (ROA) | 0.9554% | 3,071 |
| Pretax return on assets | 0.9740% | 3,523 |
| Return on Equity (ROE) | 7.9904% | 3,267 |
| Retained earnings to average equity (ytd only) | 3.2335% | 3,635 |
| Net charge-offs to loans | 0.0764% | 1,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 18.7143% | 1,616 |
| Efficiency ratio | 78.3292% | 1,232 |
| Assets per employee ($millions) | 3.2192% | 4,818 |
| Cash dividends to net income (ytd only)* | 59.5331% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 2,065 |
| Loan loss allowance to noncurrent loans | 73.3333% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 2.1790% | 408 |
| Noncurrent loans to loans | 1.7814% | 870 |
| Net loans and leases to total assets | 67.5733% | 2,819 |
| Net loans and leases to deposits | 77.1786% | 3,147 |
| Net loans and leases to core deposits | 81.5006% | 3,226 |
| Total domestic deposits to total assets | 87.5545% | 1,546 |
| Equity capital to assets | 11.9019% | 2,085 |
| Core capital (leverage) ratio | 12.3471% | 1,582 |
| Tier 1 risk-based capital ratio | 18.3396% | 1,704 |
| Total risk-based capital ratio | 19.5916% | 1,651 |
| Memoranda: | ||
| Average total assets | $107,597,500 | 3,972 |
| Average earning assets | $97,953,000 | 4,007 |
| Average equity | $12,865,500 | 3,966 |
| Average total loans | $73,341,000 | 3,813 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7119% | 1,783 |
| Cost of funding earning assets | 0.3107% | 4,520 |
| Net interest margin | 4.4012% | 936 |
| Noninterest income to average assets | 0.4559% | 3,073 |
| Noninterest expense to average assets | 3.5289% | 963 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8396% | 3,651 |
| Return on assets (ROA) | 0.8396% | 3,649 |
| Pretax return on assets | 0.8655% | 3,985 |
| Return on Equity (ROE) | 7.3645% | 3,705 |
| Retained earnings to average equity (ytd only) | 6.4948% | 1,927 |
| Net charge-offs to loans | 0.1205% | 1,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 11.1190% | 2,656 |
| Efficiency ratio | 80.3037% | 934 |
| Assets per employee ($millions) | 3.4110% | 4,647 |
| Cash dividends to net income (ytd only)* | 11.8102% | 3,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 1,706 |
| Loan loss allowance to noncurrent loans | 1,576.1905% | 433 |
| Noncurrent assets plus other real estate owned to assets | 1.0526% | 1,294 |
| Noncurrent loans to loans | 0.0878% | 4,355 |
| Net loans and leases to total assets | 66.9072% | 3,013 |
| Net loans and leases to deposits | 76.5533% | 3,312 |
| Net loans and leases to core deposits | 80.3081% | 3,405 |
| Total domestic deposits to total assets | 87.3995% | 1,586 |
| Equity capital to assets | 12.0141% | 1,885 |
| Core capital (leverage) ratio | 12.1695% | 1,628 |
| Tier 1 risk-based capital ratio | 19.1452% | 1,490 |
| Total risk-based capital ratio | 20.3981% | 1,455 |
| Memoranda: | ||
| Average total assets | $107,909,000 | 3,969 |
| Average earning assets | $96,564,000 | 4,025 |
| Average equity | $12,302,200 | 3,989 |
| Average total loans | $69,690,400 | 3,872 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6376% | 1,876 |
| Cost of funding earning assets | 0.2919% | 4,576 |
| Net interest margin | 4.3457% | 1,021 |
| Noninterest income to average assets | 0.6012% | 2,300 |
| Noninterest expense to average assets | 3.4313% | 1,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0499% | 2,865 |
| Return on assets (ROA) | 1.0499% | 2,878 |
| Pretax return on assets | 1.0499% | 3,576 |
| Return on Equity (ROE) | 9.3318% | 2,942 |
| Retained earnings to average equity (ytd only) | 8.1626% | 1,574 |
| Net charge-offs to loans | 0.0231% | 2,674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 71.1650% | 944 |
| Efficiency ratio | 76.5706% | 1,282 |
| Assets per employee ($millions) | 3.4362% | 4,642 |
| Cash dividends to net income (ytd only)* | 12.5290% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 1,288 |
| Loan loss allowance to noncurrent loans | 388.6861% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 1.9395% | 557 |
| Noncurrent loans to loans | 0.3903% | 3,257 |
| Net loans and leases to total assets | 64.9058% | 3,315 |
| Net loans and leases to deposits | 73.9170% | 3,601 |
| Net loans and leases to core deposits | 76.6109% | 3,762 |
| Total domestic deposits to total assets | 87.8091% | 1,333 |
| Equity capital to assets | 11.6830% | 2,121 |
| Core capital (leverage) ratio | 12.0382% | 1,765 |
| Tier 1 risk-based capital ratio | 19.4925% | 1,440 |
| Total risk-based capital ratio | 20.7463% | 1,406 |
| Memoranda: | ||
| Average total assets | $108,450,750 | 4,010 |
| Average earning assets | $96,828,250 | 4,064 |
| Average equity | $12,201,750 | 4,036 |
| Average total loans | $69,177,500 | 3,925 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4973% | 2,092 |
| Cost of funding earning assets | 0.2722% | 4,618 |
| Net interest margin | 4.2251% | 1,223 |
| Noninterest income to average assets | 0.5390% | 2,641 |
| Noninterest expense to average assets | 3.4411% | 1,083 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8543% | 3,654 |
| Return on assets (ROA) | 0.8543% | 3,657 |
| Pretax return on assets | 0.8543% | 4,099 |
| Return on Equity (ROE) | 7.6893% | 3,631 |
| Retained earnings to average equity (ytd only) | 5.9238% | 2,598 |
| Net charge-offs to loans | 0.0465% | 1,948 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 29.1250% | 1,535 |
| Efficiency ratio | 80.1110% | 1,009 |
| Assets per employee ($millions) | 3.3749% | 4,743 |
| Cash dividends to net income (ytd only)* | 22.9614% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 1,218 |
| Loan loss allowance to noncurrent loans | 442.0833% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 1.8852% | 589 |
| Noncurrent loans to loans | 0.3524% | 3,433 |
| Net loans and leases to total assets | 62.0780% | 3,592 |
| Net loans and leases to deposits | 70.3398% | 3,827 |
| Net loans and leases to core deposits | 72.6541% | 3,970 |
| Total domestic deposits to total assets | 88.2544% | 1,247 |
| Equity capital to assets | 11.2826% | 2,376 |
| Core capital (leverage) ratio | 11.8705% | 1,788 |
| Tier 1 risk-based capital ratio | 19.2232% | 1,497 |
| Total risk-based capital ratio | 20.4764% | 1,451 |
| Memoranda: | ||
| Average total assets | $109,093,670 | 4,036 |
| Average earning assets | $96,990,670 | 4,096 |
| Average equity | $12,120,670 | 4,069 |
| Average total loans | $68,835,330 | 3,957 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3545% | 2,337 |
| Cost of funding earning assets | 0.2378% | 4,778 |
| Net interest margin | 4.1167% | 1,395 |
| Noninterest income to average assets | 0.5545% | 2,503 |
| Noninterest expense to average assets | 3.3199% | 1,312 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8975% | 3,302 |
| Return on assets (ROA) | 0.8975% | 3,310 |
| Pretax return on assets | 0.8975% | 3,860 |
| Return on Equity (ROE) | 8.1400% | 3,320 |
| Retained earnings to average equity (ytd only) | 8.1400% | 1,788 |
| Net charge-offs to loans | 0.0694% | 1,420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,465 |
| Efficiency ratio | 78.7197% | 1,292 |
| Assets per employee ($millions) | 3.4215% | 4,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5391% | 1,324 |
| Loan loss allowance to noncurrent loans | 481.4480% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 1.8879% | 630 |
| Noncurrent loans to loans | 0.3197% | 3,620 |
| Net loans and leases to total assets | 62.1688% | 3,528 |
| Net loans and leases to deposits | 70.2079% | 3,776 |
| Net loans and leases to core deposits | 72.4760% | 3,920 |
| Total domestic deposits to total assets | 88.5495% | 1,332 |
| Equity capital to assets | 10.9828% | 2,603 |
| Core capital (leverage) ratio | 11.4409% | 2,057 |
| Tier 1 risk-based capital ratio | 18.9399% | 1,562 |
| Total risk-based capital ratio | 20.1964% | 1,528 |
| Memoranda: | ||
| Average total assets | $109,641,500 | 4,074 |
| Average earning assets | $97,554,500 | 4,138 |
| Average equity | $12,088,500 | 4,109 |
| Average total loans | $69,201,000 | 3,983 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2210% | 2,610 |
| Cost of funding earning assets | 0.2316% | 4,718 |
| Net interest margin | 3.9894% | 1,779 |
| Noninterest income to average assets | 0.3888% | 3,710 |
| Noninterest expense to average assets | 3.4196% | 1,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5663% | 4,159 |
| Return on assets (ROA) | 0.5663% | 4,193 |
| Pretax return on assets | 0.5782% | 4,787 |
| Return on Equity (ROE) | 5.1787% | 4,093 |
| Retained earnings to average equity (ytd only) | 3.9321% | 2,844 |
| Net charge-offs to loans | 0.1818% | 1,381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 4.9764% | 3,390 |
| Efficiency ratio | 85.5378% | 671 |
| Assets per employee ($millions) | 3.2292% | 5,005 |
| Cash dividends to net income (ytd only)* | 24.0711% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5533% | 1,263 |
| Loan loss allowance to noncurrent loans | 1,559.4203% | 428 |
| Noncurrent assets plus other real estate owned to assets | 1.6595% | 788 |
| Noncurrent loans to loans | 0.0996% | 4,541 |
| Net loans and leases to total assets | 62.1109% | 3,605 |
| Net loans and leases to deposits | 70.2032% | 3,850 |
| Net loans and leases to core deposits | 72.9589% | 3,973 |
| Total domestic deposits to total assets | 88.4730% | 1,262 |
| Equity capital to assets | 11.0680% | 2,567 |
| Core capital (leverage) ratio | 11.1737% | 2,176 |
| Tier 1 risk-based capital ratio | 18.2303% | 1,731 |
| Total risk-based capital ratio | 19.4846% | 1,682 |
| Memoranda: | ||
| Average total assets | $109,310,000 | 4,075 |
| Average earning assets | $98,886,200 | 4,118 |
| Average equity | $11,952,800 | 4,144 |
| Average total loans | $69,872,400 | 3,966 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2281% | 2,524 |
| Cost of funding earning assets | 0.2269% | 4,764 |
| Net interest margin | 4.0011% | 1,699 |
| Noninterest income to average assets | 0.4628% | 3,259 |
| Noninterest expense to average assets | 3.3934% | 1,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6753% | 4,100 |
| Return on assets (ROA) | 0.6753% | 4,158 |
| Pretax return on assets | 0.6863% | 4,643 |
| Return on Equity (ROE) | 6.1943% | 4,035 |
| Retained earnings to average equity (ytd only) | 4.5253% | 3,204 |
| Net charge-offs to loans | 0.2818% | 769 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 3.7972% | 3,295 |
| Efficiency ratio | 83.1787% | 824 |
| Assets per employee ($millions) | 3.2501% | 5,010 |
| Cash dividends to net income (ytd only)* | 26.9439% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5434% | 1,383 |
| Loan loss allowance to noncurrent loans | 793.9850% | 714 |
| Noncurrent assets plus other real estate owned to assets | 2.1656% | 569 |
| Noncurrent loans to loans | 0.1944% | 4,304 |
| Net loans and leases to total assets | 60.9618% | 3,769 |
| Net loans and leases to deposits | 68.9336% | 4,041 |
| Net loans and leases to core deposits | 72.0086% | 4,125 |
| Total domestic deposits to total assets | 88.4355% | 1,159 |
| Equity capital to assets | 11.0650% | 2,804 |
| Core capital (leverage) ratio | 11.1758% | 2,297 |
| Tier 1 risk-based capital ratio | 18.2254% | 1,797 |
| Total risk-based capital ratio | 19.4787% | 1,758 |
| Memoranda: | ||
| Average total assets | $109,189,000 | 4,116 |
| Average earning assets | $98,702,750 | 4,163 |
| Average equity | $11,903,000 | 4,194 |
| Average total loans | $70,023,000 | 3,995 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2015% | 2,468 |
| Cost of funding earning assets | 0.2206% | 4,799 |
| Net interest margin | 3.9809% | 1,671 |
| Noninterest income to average assets | 0.4837% | 3,126 |
| Noninterest expense to average assets | 3.5273% | 970 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5609% | 4,470 |
| Return on assets (ROA) | 0.5609% | 4,516 |
| Pretax return on assets | 0.5738% | 4,854 |
| Return on Equity (ROE) | 5.1717% | 4,405 |
| Retained earnings to average equity (ytd only) | 2.6452% | 4,116 |
| Net charge-offs to loans | 0.4252% | 476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.0800% | 3,207 |
| Efficiency ratio | 86.0090% | 688 |
| Assets per employee ($millions) | 3.2141% | 5,071 |
| Cash dividends to net income (ytd only)* | 48.8525% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 1,501 |
| Loan loss allowance to noncurrent loans | 758.2734% | 722 |
| Noncurrent assets plus other real estate owned to assets | 2.1953% | 540 |
| Noncurrent loans to loans | 0.2011% | 4,310 |
| Net loans and leases to total assets | 62.2724% | 3,598 |
| Net loans and leases to deposits | 70.3497% | 3,884 |
| Net loans and leases to core deposits | 73.5175% | 3,978 |
| Total domestic deposits to total assets | 88.5183% | 1,195 |
| Equity capital to assets | 10.9949% | 2,811 |
| Core capital (leverage) ratio | 11.0853% | 2,328 |
| Tier 1 risk-based capital ratio | 17.8444% | 1,904 |
| Total risk-based capital ratio | 19.0985% | 1,854 |
| Memoranda: | ||
| Average total assets | $108,751,330 | 4,152 |
| Average earning assets | $98,822,330 | 4,185 |
| Average equity | $11,795,000 | 4,222 |
| Average total loans | $70,557,330 | 3,997 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1435% | 2,500 |
| Cost of funding earning assets | 0.2110% | 4,873 |
| Net interest margin | 3.9324% | 1,664 |
| Noninterest income to average assets | 0.5014% | 2,971 |
| Noninterest expense to average assets | 3.5543% | 968 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5014% | 4,587 |
| Return on assets (ROA) | 0.5014% | 4,615 |
| Pretax return on assets | 0.5199% | 4,926 |
| Return on Equity (ROE) | 4.6555% | 4,540 |
| Retained earnings to average equity (ytd only) | -0.4450% | 4,987 |
| Net charge-offs to loans | 0.5331% | 338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.4842% | 2,724 |
| Efficiency ratio | 87.2398% | 715 |
| Assets per employee ($millions) | 3.1570% | 5,215 |
| Cash dividends to net income (ytd only)* | 109.5588% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5629% | 1,472 |
| Loan loss allowance to noncurrent loans | 827.6119% | 689 |
| Noncurrent assets plus other real estate owned to assets | 1.8381% | 760 |
| Noncurrent loans to loans | 0.1888% | 4,450 |
| Net loans and leases to total assets | 63.2143% | 3,373 |
| Net loans and leases to deposits | 71.0675% | 3,687 |
| Net loans and leases to core deposits | 74.2109% | 3,813 |
| Total domestic deposits to total assets | 88.9496% | 1,165 |
| Equity capital to assets | 10.5970% | 3,071 |
| Core capital (leverage) ratio | 10.8808% | 2,506 |
| Tier 1 risk-based capital ratio | 17.3260% | 2,089 |
| Total risk-based capital ratio | 18.5802% | 2,034 |
| Memoranda: | ||
| Average total assets | $108,488,000 | 4,200 |
| Average earning assets | $98,565,000 | 4,221 |
| Average equity | $11,685,000 | 4,271 |
| Average total loans | $71,284,000 | 4,021 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2470% | 2,323 |
| Cost of funding earning assets | 0.2187% | 4,846 |
| Net interest margin | 4.0283% | 1,561 |
| Noninterest income to average assets | 0.6163% | 2,571 |
| Noninterest expense to average assets | 3.6462% | 953 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6556% | 3,972 |
| Return on assets (ROA) | 0.6968% | 3,903 |
| Pretax return on assets | 0.6662% | 4,604 |
| Return on Equity (ROE) | 6.3040% | 3,846 |
| Retained earnings to average equity (ytd only) | 6.1566% | 1,628 |
| Net charge-offs to loans | -0.1211% | 5,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3680% | 871 |
| Assets per employee ($millions) | 3.0423% | 5,314 |
| Cash dividends to net income (ytd only)* | 2.3384% | 4,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6813% | 1,181 |
| Loan loss allowance to noncurrent loans | 1,584.2105% | 402 |
| Noncurrent assets plus other real estate owned to assets | 1.8529% | 779 |
| Noncurrent loans to loans | 0.1061% | 4,809 |
| Net loans and leases to total assets | 66.1210% | 3,056 |
| Net loans and leases to deposits | 74.6501% | 3,453 |
| Net loans and leases to core deposits | 77.6040% | 3,597 |
| Total domestic deposits to total assets | 88.5746% | 1,337 |
| Equity capital to assets | 10.9511% | 2,666 |
| Core capital (leverage) ratio | 10.9890% | 2,348 |
| Tier 1 risk-based capital ratio | 17.2210% | 2,085 |
| Total risk-based capital ratio | 18.4780% | 2,041 |
| Memoranda: | ||
| Average total assets | $104,327,000 | 4,277 |
| Average earning assets | $94,654,200 | 4,294 |
| Average equity | $11,532,400 | 4,333 |
| Average total loans | $66,907,000 | 4,120 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 2,478 |
| Cost of funding earning assets | 0.2171% | 4,905 |
| Net interest margin | 3.9938% | 1,677 |
| Noninterest income to average assets | 0.6552% | 2,391 |
| Noninterest expense to average assets | 3.6766% | 885 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5915% | 4,326 |
| Return on assets (ROA) | 0.6462% | 4,223 |
| Pretax return on assets | 0.6500% | 4,741 |
| Return on Equity (ROE) | 5.8316% | 4,154 |
| Retained earnings to average equity (ytd only) | 5.6345% | 2,408 |
| Net charge-offs to loans | 0.1582% | 1,429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.9358% | 3,062 |
| Efficiency ratio | 86.0752% | 815 |
| Assets per employee ($millions) | 3.0481% | 5,346 |
| Cash dividends to net income (ytd only)* | 3.3803% | 3,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 1,806 |
| Loan loss allowance to noncurrent loans | 1,322.7848% | 446 |
| Noncurrent assets plus other real estate owned to assets | 1.8522% | 879 |
| Noncurrent loans to loans | 0.1125% | 4,887 |
| Net loans and leases to total assets | 64.8473% | 3,291 |
| Net loans and leases to deposits | 73.3277% | 3,660 |
| Net loans and leases to core deposits | 76.2249% | 3,811 |
| Total domestic deposits to total assets | 88.4349% | 1,175 |
| Equity capital to assets | 11.0674% | 2,945 |
| Core capital (leverage) ratio | 10.9458% | 2,511 |
| Tier 1 risk-based capital ratio | 16.7302% | 2,325 |
| Total risk-based capital ratio | 17.9835% | 2,272 |
| Memoranda: | ||
| Average total assets | $103,788,250 | 4,324 |
| Average earning assets | $93,977,750 | 4,344 |
| Average equity | $11,500,250 | 4,376 |
| Average total loans | $65,731,000 | 4,175 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1585% | 2,645 |
| Cost of funding earning assets | 0.2151% | 4,992 |
| Net interest margin | 3.9434% | 1,830 |
| Noninterest income to average assets | 0.5135% | 3,100 |
| Noninterest expense to average assets | 3.6315% | 963 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4474% | 4,877 |
| Return on assets (ROA) | 0.5310% | 4,674 |
| Pretax return on assets | 0.5310% | 5,070 |
| Return on Equity (ROE) | 4.7903% | 4,607 |
| Retained earnings to average equity (ytd only) | 4.4920% | 3,054 |
| Net charge-offs to loans | 0.2211% | 1,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.2394% | 3,144 |
| Efficiency ratio | 89.0320% | 652 |
| Assets per employee ($millions) | 3.0872% | 5,338 |
| Cash dividends to net income (ytd only)* | 6.2271% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6132% | 1,495 |
| Loan loss allowance to noncurrent loans | 1,132.2581% | 532 |
| Noncurrent assets plus other real estate owned to assets | 1.9340% | 857 |
| Noncurrent loans to loans | 0.1425% | 4,864 |
| Net loans and leases to total assets | 61.1827% | 3,730 |
| Net loans and leases to deposits | 69.1671% | 4,065 |
| Net loans and leases to core deposits | 71.9426% | 4,182 |
| Total domestic deposits to total assets | 88.4563% | 1,190 |
| Equity capital to assets | 11.0255% | 3,035 |
| Core capital (leverage) ratio | 10.9462% | 2,491 |
| Tier 1 risk-based capital ratio | 17.4559% | 2,079 |
| Total risk-based capital ratio | 18.7101% | 2,044 |
| Memoranda: | ||
| Average total assets | $102,823,330 | 4,373 |
| Average earning assets | $92,966,000 | 4,404 |
| Average equity | $11,398,000 | 4,419 |
| Average total loans | $64,232,670 | 4,232 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1835% | 2,535 |
| Cost of funding earning assets | 0.2135% | 5,067 |
| Net interest margin | 3.9700% | 1,710 |
| Noninterest income to average assets | 0.5110% | 3,042 |
| Noninterest expense to average assets | 3.6520% | 958 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4403% | 4,859 |
| Return on assets (ROA) | 0.6015% | 4,287 |
| Pretax return on assets | 0.6015% | 4,818 |
| Return on Equity (ROE) | 5.4109% | 4,276 |
| Retained earnings to average equity (ytd only) | 4.8097% | 3,063 |
| Net charge-offs to loans | 0.4018% | 561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.7500% | 2,775 |
| Efficiency ratio | 89.2411% | 724 |
| Assets per employee ($millions) | 3.0988% | 5,405 |
| Cash dividends to net income (ytd only)* | 11.1111% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6337% | 1,521 |
| Loan loss allowance to noncurrent loans | 387.9121% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 1.0151% | 2,175 |
| Noncurrent loans to loans | 0.4211% | 3,933 |
| Net loans and leases to total assets | 62.3548% | 3,478 |
| Net loans and leases to deposits | 70.6440% | 3,795 |
| Net loans and leases to core deposits | 72.9298% | 3,981 |
| Total domestic deposits to total assets | 88.2662% | 1,493 |
| Equity capital to assets | 11.1872% | 2,738 |
| Core capital (leverage) ratio | 10.9536% | 2,446 |
| Tier 1 risk-based capital ratio | 17.3149% | 2,180 |
| Total risk-based capital ratio | 18.5691% | 2,148 |
| Memoranda: | ||
| Average total assets | $101,752,000 | 4,434 |
| Average earning assets | $91,788,500 | 4,462 |
| Average equity | $11,310,500 | 4,444 |
| Average total loans | $63,712,000 | 4,271 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 2,334 |
| Cost of funding earning assets | 0.2302% | 5,009 |
| Net interest margin | 4.0355% | 1,604 |
| Noninterest income to average assets | 0.5022% | 3,314 |
| Noninterest expense to average assets | 3.9139% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1793% | 5,623 |
| Return on assets (ROA) | 0.2222% | 5,593 |
| Pretax return on assets | 0.2455% | 5,619 |
| Return on Equity (ROE) | 1.9679% | 5,577 |
| Retained earnings to average equity (ytd only) | 1.9679% | 4,604 |
| Net charge-offs to loans | 0.0108% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 27.8571% | 1,532 |
| Efficiency ratio | 95.1887% | 433 |
| Assets per employee ($millions) | 2.8123% | 5,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7955% | 1,138 |
| Loan loss allowance to noncurrent loans | 364.9351% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 1.0865% | 2,024 |
| Noncurrent loans to loans | 0.4920% | 3,725 |
| Net loans and leases to total assets | 60.7216% | 3,735 |
| Net loans and leases to deposits | 68.6633% | 4,064 |
| Net loans and leases to core deposits | 70.9020% | 4,224 |
| Total domestic deposits to total assets | 88.4339% | 1,413 |
| Equity capital to assets | 11.0436% | 2,779 |
| Core capital (leverage) ratio | 10.8917% | 2,501 |
| Tier 1 risk-based capital ratio | 17.6647% | 2,068 |
| Total risk-based capital ratio | 18.9218% | 2,019 |
| Memoranda: | ||
| Average total assets | $98,571,200 | 4,488 |
| Average earning assets | $88,168,600 | 4,535 |
| Average equity | $11,128,600 | 4,452 |
| Average total loans | $65,061,400 | 4,228 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3090% | 2,195 |
| Cost of funding earning assets | 0.2304% | 5,089 |
| Net interest margin | 4.0786% | 1,466 |
| Noninterest income to average assets | 0.5597% | 2,985 |
| Noninterest expense to average assets | 3.8799% | 762 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3200% | 5,397 |
| Return on assets (ROA) | 0.3296% | 5,453 |
| Pretax return on assets | 0.3296% | 5,597 |
| Return on Equity (ROE) | 2.9028% | 5,420 |
| Retained earnings to average equity (ytd only) | 2.9028% | 4,381 |
| Net charge-offs to loans | 0.0142% | 3,677 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 33.5831% | 1,386 |
| Efficiency ratio | 92.3800% | 548 |
| Assets per employee ($millions) | 2.7306% | 5,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7582% | 1,346 |
| Loan loss allowance to noncurrent loans | 1,459.7403% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.9690% | 2,427 |
| Noncurrent loans to loans | 0.1204% | 5,147 |
| Net loans and leases to total assets | 62.1638% | 3,580 |
| Net loans and leases to deposits | 70.4151% | 3,932 |
| Net loans and leases to core deposits | 74.7352% | 3,934 |
| Total domestic deposits to total assets | 88.2820% | 1,408 |
| Equity capital to assets | 11.1558% | 2,843 |
| Core capital (leverage) ratio | 11.2011% | 2,299 |
| Tier 1 risk-based capital ratio | 17.4151% | 2,211 |
| Total risk-based capital ratio | 18.6692% | 2,164 |
| Memoranda: | ||
| Average total assets | $97,903,000 | 4,551 |
| Average earning assets | $87,381,750 | 4,599 |
| Average equity | $11,115,500 | 4,506 |
| Average total loans | $65,676,500 | 4,252 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3356% | 2,065 |
| Cost of funding earning assets | 0.2318% | 5,124 |
| Net interest margin | 4.1037% | 1,339 |
| Noninterest income to average assets | 0.5699% | 2,905 |
| Noninterest expense to average assets | 3.9831% | 688 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2416% | 5,603 |
| Return on assets (ROA) | 0.2560% | 5,645 |
| Pretax return on assets | 0.2560% | 5,731 |
| Return on Equity (ROE) | 2.2416% | 5,631 |
| Retained earnings to average equity (ytd only) | 2.2416% | 4,594 |
| Net charge-offs to loans | 0.0241% | 3,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 14.6250% | 2,043 |
| Efficiency ratio | 94.2815% | 506 |
| Assets per employee ($millions) | 2.5778% | 5,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 1,561 |
| Loan loss allowance to noncurrent loans | 856.4885% | 639 |
| Noncurrent assets plus other real estate owned to assets | 1.0422% | 2,422 |
| Noncurrent loans to loans | 0.2005% | 4,969 |
| Net loans and leases to total assets | 67.3132% | 2,748 |
| Net loans and leases to deposits | 76.6728% | 3,195 |
| Net loans and leases to core deposits | 81.6986% | 3,214 |
| Total domestic deposits to total assets | 87.7928% | 1,755 |
| Equity capital to assets | 11.6274% | 2,313 |
| Core capital (leverage) ratio | 11.3981% | 2,074 |
| Tier 1 risk-based capital ratio | 16.9394% | 2,428 |
| Total risk-based capital ratio | 18.1954% | 2,378 |
| Memoranda: | ||
| Average total assets | $96,859,670 | 4,616 |
| Average earning assets | $86,263,330 | 4,672 |
| Average equity | $11,063,670 | 4,550 |
| Average total loans | $66,258,670 | 4,265 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2661% | 2,207 |
| Cost of funding earning assets | 0.2301% | 5,213 |
| Net interest margin | 4.0360% | 1,449 |
| Noninterest income to average assets | 0.5082% | 3,229 |
| Noninterest expense to average assets | 4.1270% | 596 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0246% | 6,038 |
| Return on assets (ROA) | 0.0041% | 6,051 |
| Pretax return on assets | 0.0041% | 6,044 |
| Return on Equity (ROE) | 0.0362% | 6,051 |
| Retained earnings to average equity (ytd only) | 0.0362% | 5,358 |
| Net charge-offs to loans | 0.0420% | 2,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.8571% | 3,165 |
| Efficiency ratio | 100.5994% | 354 |
| Assets per employee ($millions) | 2.6060% | 6,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6609% | 1,848 |
| Loan loss allowance to noncurrent loans | 802.8571% | 659 |
| Noncurrent assets plus other real estate owned to assets | 1.0421% | 2,533 |
| Noncurrent loans to loans | 0.2069% | 5,039 |
| Net loans and leases to total assets | 67.2032% | 2,577 |
| Net loans and leases to deposits | 76.1154% | 3,041 |
| Net loans and leases to core deposits | 80.6325% | 3,088 |
| Total domestic deposits to total assets | 88.2912% | 1,666 |
| Equity capital to assets | 11.1837% | 2,772 |
| Core capital (leverage) ratio | 11.1568% | 2,259 |
| Tier 1 risk-based capital ratio | 16.0573% | 2,896 |
| Total risk-based capital ratio | 17.3115% | 2,826 |
| Memoranda: | ||
| Average total assets | $97,600,500 | 4,633 |
| Average earning assets | $86,918,000 | 4,696 |
| Average equity | $11,050,500 | 4,586 |
| Average total loans | $66,726,000 | 4,280 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4507% | 2,069 |
| Cost of funding earning assets | 0.2781% | 5,021 |
| Net interest margin | 4.1726% | 1,381 |
| Noninterest income to average assets | 0.5210% | 3,354 |
| Noninterest expense to average assets | 3.9036% | 850 |
| Loan and lease loss provision to assets | 0.1244% | 2,105 |
| Net operating income to assets | 0.1912% | 5,785 |
| Return on assets (ROA) | 0.2124% | 5,802 |
| Pretax return on assets | 0.2023% | 5,868 |
| Return on Equity (ROE) | 1.9352% | 5,784 |
| Retained earnings to average equity (ytd only) | 1.6035% | 5,020 |
| Net charge-offs to loans | 0.1200% | 2,839 |
| Credit loss provision to net charge-offs | 155.6962% | 1,558 |
| Earnings coverage of net charge-offs (x) | 3.8228% | 3,805 |
| Efficiency ratio | 92.7421% | 663 |
| Assets per employee ($millions) | 2.5309% | 6,140 |
| Cash dividends to net income (ytd only)* | 17.1429% | 3,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7194% | 1,727 |
| Loan loss allowance to noncurrent loans | 780.0000% | 746 |
| Noncurrent assets plus other real estate owned to assets | 1.2228% | 2,323 |
| Noncurrent loans to loans | 0.2204% | 5,034 |
| Net loans and leases to total assets | 67.2195% | 2,691 |
| Net loans and leases to deposits | 76.3797% | 3,161 |
| Net loans and leases to core deposits | 81.3282% | 3,164 |
| Total domestic deposits to total assets | 88.0070% | 1,765 |
| Equity capital to assets | 11.4648% | 2,460 |
| Core capital (leverage) ratio | 11.1951% | 2,220 |
| Tier 1 risk-based capital ratio | 16.4552% | 2,734 |
| Total risk-based capital ratio | 17.7104% | 2,682 |
| Memoranda: | ||
| Average total assets | $98,857,800 | 4,632 |
| Average earning assets | $87,378,800 | 4,709 |
| Average equity | $10,851,600 | 4,594 |
| Average total loans | $65,814,000 | 4,304 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4409% | 2,081 |
| Cost of funding earning assets | 0.2893% | 4,997 |
| Net interest margin | 4.1517% | 1,424 |
| Noninterest income to average assets | 0.5225% | 3,390 |
| Noninterest expense to average assets | 3.8152% | 952 |
| Loan and lease loss provision to assets | 0.1661% | 1,492 |
| Net operating income to assets | 0.1835% | 5,876 |
| Return on assets (ROA) | 0.2036% | 5,897 |
| Pretax return on assets | 0.2157% | 5,923 |
| Return on Equity (ROE) | 1.8751% | 5,869 |
| Retained earnings to average equity (ytd only) | 1.8751% | 5,119 |
| Net charge-offs to loans | 0.0831% | 3,016 |
| Credit loss provision to net charge-offs | 302.4390% | 903 |
| Earnings coverage of net charge-offs (x) | 6.5605% | 3,063 |
| Efficiency ratio | 91.3699% | 747 |
| Assets per employee ($millions) | 2.4995% | 6,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7502% | 1,821 |
| Loan loss allowance to noncurrent loans | 437.8277% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 1.3356% | 2,314 |
| Noncurrent loans to loans | 0.3997% | 4,709 |
| Net loans and leases to total assets | 67.3198% | 2,640 |
| Net loans and leases to deposits | 76.2937% | 3,148 |
| Net loans and leases to core deposits | 81.1495% | 3,186 |
| Total domestic deposits to total assets | 88.2377% | 1,637 |
| Equity capital to assets | 11.2104% | 2,748 |
| Core capital (leverage) ratio | 11.1153% | 2,382 |
| Tier 1 risk-based capital ratio | 16.2782% | 2,919 |
| Total risk-based capital ratio | 17.5344% | 2,865 |
| Memoranda: | ||
| Average total assets | $99,529,000 | 4,653 |
| Average earning assets | $87,577,250 | 4,752 |
| Average equity | $10,808,000 | 4,629 |
| Average total loans | $65,823,000 | 4,337 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3979% | 2,182 |
| Cost of funding earning assets | 0.3064% | 4,910 |
| Net interest margin | 4.0915% | 1,540 |
| Noninterest income to average assets | 0.5568% | 3,071 |
| Noninterest expense to average assets | 3.8099% | 963 |
| Loan and lease loss provision to assets | 0.2435% | 914 |
| Net operating income to assets | 0.0910% | 6,061 |
| Return on assets (ROA) | 0.1197% | 6,051 |
| Pretax return on assets | 0.1337% | 6,052 |
| Return on Equity (ROE) | 1.1144% | 6,038 |
| Retained earnings to average equity (ytd only) | 1.1144% | 5,312 |
| Net charge-offs to loans | 0.1344% | 2,327 |
| Credit loss provision to net charge-offs | 277.2727% | 917 |
| Earnings coverage of net charge-offs (x) | 3.9318% | 3,201 |
| Efficiency ratio | 91.6907% | 783 |
| Assets per employee ($millions) | 2.4426% | 6,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7554% | 1,965 |
| Loan loss allowance to noncurrent loans | 435.9551% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 1.3520% | 2,421 |
| Noncurrent loans to loans | 0.4026% | 4,780 |
| Net loans and leases to total assets | 66.6772% | 2,643 |
| Net loans and leases to deposits | 75.4575% | 3,133 |
| Net loans and leases to core deposits | 80.2392% | 3,186 |
| Total domestic deposits to total assets | 88.3640% | 1,703 |
| Equity capital to assets | 11.0752% | 2,807 |
| Core capital (leverage) ratio | 11.0250% | 2,403 |
| Tier 1 risk-based capital ratio | 15.9884% | 3,093 |
| Total risk-based capital ratio | 17.2445% | 3,027 |
| Memoranda: | ||
| Average total assets | $100,211,670 | 4,680 |
| Average earning assets | $88,133,000 | 4,774 |
| Average equity | $10,768,000 | 4,660 |
| Average total loans | $65,499,670 | 4,373 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 2,478 |
| Cost of funding earning assets | 0.3526% | 4,509 |
| Net interest margin | 3.9592% | 1,892 |
| Noninterest income to average assets | 0.5559% | 3,011 |
| Noninterest expense to average assets | 3.5914% | 1,323 |
| Loan and lease loss provision to assets | 0.2996% | 647 |
| Net operating income to assets | 0.1484% | 5,932 |
| Return on assets (ROA) | 0.1774% | 5,903 |
| Pretax return on assets | 0.1932% | 5,930 |
| Return on Equity (ROE) | 1.6757% | 5,880 |
| Retained earnings to average equity (ytd only) | 1.6757% | 4,946 |
| Net charge-offs to loans | 0.0922% | 2,239 |
| Credit loss provision to net charge-offs | 506.6667% | 529 |
| Earnings coverage of net charge-offs (x) | 7.8000% | 2,091 |
| Efficiency ratio | 88.6187% | 1,164 |
| Assets per employee ($millions) | 2.5357% | 6,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 2,219 |
| Loan loss allowance to noncurrent loans | 429.2135% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 1.3459% | 2,626 |
| Noncurrent loans to loans | 0.4055% | 4,918 |
| Net loans and leases to total assets | 65.4239% | 2,649 |
| Net loans and leases to deposits | 73.8598% | 3,083 |
| Net loans and leases to core deposits | 78.5735% | 3,141 |
| Total domestic deposits to total assets | 88.5784% | 1,902 |
| Equity capital to assets | 10.8907% | 2,835 |
| Core capital (leverage) ratio | 10.5375% | 2,883 |
| Tier 1 risk-based capital ratio | 15.8573% | 3,239 |
| Total risk-based capital ratio | 17.1123% | 3,202 |
| Memoranda: | ||
| Average total assets | $101,465,000 | 4,698 |
| Average earning assets | $89,615,000 | 4,783 |
| Average equity | $10,741,500 | 4,681 |
| Average total loans | $65,094,000 | 4,428 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 3,537 |
| Cost of funding earning assets | 0.5136% | 3,467 |
| Net interest margin | 3.6366% | 3,300 |
| Noninterest income to average assets | 0.3531% | 4,783 |
| Noninterest expense to average assets | 3.3129% | 2,111 |
| Loan and lease loss provision to assets | 0.0752% | 3,604 |
| Net operating income to assets | 0.1676% | 5,897 |
| Return on assets (ROA) | 0.1899% | 5,921 |
| Pretax return on assets | 0.2110% | 5,917 |
| Return on Equity (ROE) | 1.8696% | 5,886 |
| Retained earnings to average equity (ytd only) | 1.8696% | 4,905 |
| Net charge-offs to loans | 0.9318% | 647 |
| Credit loss provision to net charge-offs | 14.0411% | 4,536 |
| Earnings coverage of net charge-offs (x) | 0.4880% | 4,918 |
| Efficiency ratio | 92.6867% | 830 |
| Assets per employee ($millions) | 2.6676% | 6,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 2,441 |
| Loan loss allowance to noncurrent loans | 274.9367% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 1.4370% | 2,587 |
| Noncurrent loans to loans | 0.6139% | 4,444 |
| Net loans and leases to total assets | 60.8018% | 3,573 |
| Net loans and leases to deposits | 72.0508% | 3,513 |
| Net loans and leases to core deposits | 76.9288% | 3,502 |
| Total domestic deposits to total assets | 84.3874% | 4,022 |
| Equity capital to assets | 10.2972% | 3,395 |
| Core capital (leverage) ratio | 10.1667% | 3,341 |
| Tier 1 risk-based capital ratio | 15.7864% | 3,206 |
| Total risk-based capital ratio | 17.0412% | 3,160 |
| Memoranda: | ||
| Average total assets | $109,028,400 | 4,518 |
| Average earning assets | $96,575,000 | 4,604 |
| Average equity | $11,072,000 | 4,618 |
| Average total loans | $62,677,200 | 4,523 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0845% | 3,828 |
| Cost of funding earning assets | 0.5379% | 3,378 |
| Net interest margin | 3.5466% | 3,674 |
| Noninterest income to average assets | 0.4123% | 4,435 |
| Noninterest expense to average assets | 3.2379% | 2,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2987% | 5,617 |
| Return on assets (ROA) | 0.3228% | 5,649 |
| Pretax return on assets | 0.3410% | 5,769 |
| Return on Equity (ROE) | 3.1894% | 5,536 |
| Retained earnings to average equity (ytd only) | 3.1894% | 4,405 |
| Net charge-offs to loans | 0.6853% | 879 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.8156% | 4,582 |
| Efficiency ratio | 91.1194% | 912 |
| Assets per employee ($millions) | 2.7844% | 6,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0153% | 1,686 |
| Loan loss allowance to noncurrent loans | 192.7052% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 1.9526% | 2,080 |
| Noncurrent loans to loans | 1.0458% | 3,711 |
| Net loans and leases to total assets | 58.2673% | 3,968 |
| Net loans and leases to deposits | 69.0709% | 3,925 |
| Net loans and leases to core deposits | 73.8843% | 3,862 |
| Total domestic deposits to total assets | 84.3586% | 4,043 |
| Equity capital to assets | 10.3762% | 3,419 |
| Core capital (leverage) ratio | 10.1641% | 3,454 |
| Tier 1 risk-based capital ratio | 15.8820% | 3,263 |
| Total risk-based capital ratio | 17.1401% | 3,203 |
| Memoranda: | ||
| Average total assets | $110,276,000 | 4,530 |
| Average earning assets | $97,667,250 | 4,621 |
| Average equity | $11,161,750 | 4,657 |
| Average total loans | $62,260,750 | 4,573 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0300% | 4,002 |
| Cost of funding earning assets | 0.5598% | 3,319 |
| Net interest margin | 3.4702% | 3,926 |
| Noninterest income to average assets | 0.4832% | 3,944 |
| Noninterest expense to average assets | 3.2193% | 2,302 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3204% | 5,520 |
| Return on assets (ROA) | 0.3561% | 5,561 |
| Pretax return on assets | 0.3740% | 5,694 |
| Return on Equity (ROE) | 3.5464% | 5,402 |
| Retained earnings to average equity (ytd only) | 3.5464% | 4,062 |
| Net charge-offs to loans | 0.4223% | 1,528 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.4351% | 4,059 |
| Efficiency ratio | 90.5385% | 1,024 |
| Assets per employee ($millions) | 2.7377% | 6,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3321% | 1,208 |
| Loan loss allowance to noncurrent loans | 166.3242% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 2.3973% | 1,776 |
| Noncurrent loans to loans | 1.4021% | 3,191 |
| Net loans and leases to total assets | 58.6545% | 3,876 |
| Net loans and leases to deposits | 69.8002% | 3,740 |
| Net loans and leases to core deposits | 75.3668% | 3,627 |
| Total domestic deposits to total assets | 84.0320% | 4,302 |
| Equity capital to assets | 10.6207% | 3,148 |
| Core capital (leverage) ratio | 9.9626% | 3,572 |
| Tier 1 risk-based capital ratio | 15.8946% | 3,262 |
| Total risk-based capital ratio | 17.1559% | 3,195 |
| Memoranda: | ||
| Average total assets | $111,765,000 | 4,544 |
| Average earning assets | $98,957,670 | 4,627 |
| Average equity | $11,222,670 | 4,678 |
| Average total loans | $62,041,000 | 4,602 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8469% | 4,661 |
| Cost of funding earning assets | 0.5667% | 3,409 |
| Net interest margin | 3.2802% | 4,586 |
| Noninterest income to average assets | 0.4359% | 4,213 |
| Noninterest expense to average assets | 3.0753% | 2,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2688% | 5,668 |
| Return on assets (ROA) | 0.3148% | 5,645 |
| Pretax return on assets | 0.3321% | 5,767 |
| Return on Equity (ROE) | 3.2185% | 5,477 |
| Retained earnings to average equity (ytd only) | 3.2185% | 4,318 |
| Net charge-offs to loans | 0.1553% | 2,469 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.4167% | 2,770 |
| Efficiency ratio | 91.5551% | 1,022 |
| Assets per employee ($millions) | 3.2639% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5391% | 1,072 |
| Loan loss allowance to noncurrent loans | 188.1010% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 1.8953% | 2,480 |
| Noncurrent loans to loans | 1.3499% | 3,540 |
| Net loans and leases to total assets | 51.1225% | 4,821 |
| Net loans and leases to deposits | 59.6767% | 4,838 |
| Net loans and leases to core deposits | 68.6593% | 4,225 |
| Total domestic deposits to total assets | 85.6658% | 3,701 |
| Equity capital to assets | 9.6415% | 4,654 |
| Core capital (leverage) ratio | 9.1370% | 4,657 |
| Tier 1 risk-based capital ratio | 15.1798% | 3,717 |
| Total risk-based capital ratio | 16.4424% | 3,662 |
| Memoranda: | ||
| Average total assets | $115,631,000 | 4,492 |
| Average earning assets | $103,044,000 | 4,537 |
| Average equity | $11,309,500 | 4,713 |
| Average total loans | $61,823,000 | 4,640 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4061% | 3,788 |
| Cost of funding earning assets | 0.6680% | 3,761 |
| Net interest margin | 3.7381% | 3,482 |
| Noninterest income to average assets | 0.5878% | 3,347 |
| Noninterest expense to average assets | 3.1969% | 2,624 |
| Loan and lease loss provision to assets | 0.0409% | 5,347 |
| Net operating income to assets | 0.6352% | 4,063 |
| Return on assets (ROA) | 0.6392% | 4,303 |
| Pretax return on assets | 0.6923% | 4,690 |
| Return on Equity (ROE) | 6.7227% | 3,804 |
| Retained earnings to average equity (ytd only) | 5.4038% | 2,444 |
| Net charge-offs to loans | 0.4528% | 2,421 |
| Credit loss provision to net charge-offs | 15.6667% | 5,334 |
| Earnings coverage of net charge-offs (x) | 2.7900% | 4,035 |
| Efficiency ratio | 81.4330% | 1,955 |
| Assets per employee ($millions) | 3.1600% | 5,714 |
| Cash dividends to net income (ytd only)* | 19.6185% | 3,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5624% | 1,057 |
| Loan loss allowance to noncurrent loans | 140.9938% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 2.2547% | 2,176 |
| Noncurrent loans to loans | 1.8174% | 2,892 |
| Net loans and leases to total assets | 53.1136% | 4,739 |
| Net loans and leases to deposits | 62.3055% | 4,752 |
| Net loans and leases to core deposits | 72.3868% | 3,995 |
| Total domestic deposits to total assets | 85.2470% | 3,744 |
| Equity capital to assets | 9.9244% | 4,274 |
| Core capital (leverage) ratio | 9.0865% | 4,754 |
| Tier 1 risk-based capital ratio | 15.1368% | 3,649 |
| Total risk-based capital ratio | 16.3995% | 3,585 |
| Memoranda: | ||
| Average total assets | $114,830,400 | 4,467 |
| Average earning assets | $102,539,600 | 4,529 |
| Average equity | $10,918,200 | 4,778 |
| Average total loans | $66,247,200 | 4,493 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4481% | 3,839 |
| Cost of funding earning assets | 0.6873% | 3,886 |
| Net interest margin | 3.7608% | 3,504 |
| Noninterest income to average assets | 0.3522% | 5,002 |
| Noninterest expense to average assets | 3.1879% | 2,605 |
| Loan and lease loss provision to assets | 0.0544% | 5,066 |
| Net operating income to assets | 0.4484% | 5,043 |
| Return on assets (ROA) | 0.4506% | 5,280 |
| Pretax return on assets | 0.4715% | 5,539 |
| Return on Equity (ROE) | 4.7911% | 4,921 |
| Retained earnings to average equity (ytd only) | 4.7911% | 3,520 |
| Net charge-offs to loans | 0.3407% | 2,750 |
| Credit loss provision to net charge-offs | 27.3256% | 4,841 |
| Earnings coverage of net charge-offs (x) | 2.6279% | 3,986 |
| Efficiency ratio | 85.8926% | 1,390 |
| Assets per employee ($millions) | 2.9648% | 6,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6138% | 1,068 |
| Loan loss allowance to noncurrent loans | 110.4891% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 1.8995% | 2,785 |
| Noncurrent loans to loans | 2.3657% | 2,439 |
| Net loans and leases to total assets | 56.7827% | 4,332 |
| Net loans and leases to deposits | 66.6764% | 4,378 |
| Net loans and leases to core deposits | 75.0062% | 3,850 |
| Total domestic deposits to total assets | 85.1617% | 3,682 |
| Equity capital to assets | 9.9005% | 4,643 |
| Core capital (leverage) ratio | 8.9973% | 5,073 |
| Tier 1 risk-based capital ratio | 14.4468% | 4,222 |
| Total risk-based capital ratio | 15.7107% | 4,179 |
| Memoranda: | ||
| Average total assets | $115,098,000 | 4,505 |
| Average earning assets | $102,813,000 | 4,580 |
| Average equity | $10,825,250 | 4,842 |
| Average total loans | $67,306,250 | 4,493 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5194% | 3,690 |
| Cost of funding earning assets | 0.7067% | 3,961 |
| Net interest margin | 3.8127% | 3,302 |
| Noninterest income to average assets | 0.3882% | 4,739 |
| Noninterest expense to average assets | 3.2387% | 2,468 |
| Loan and lease loss provision to assets | 0.0138% | 5,491 |
| Net operating income to assets | 0.5315% | 4,668 |
| Return on assets (ROA) | 0.5332% | 4,943 |
| Pretax return on assets | 0.5539% | 5,298 |
| Return on Equity (ROE) | 5.7673% | 4,441 |
| Retained earnings to average equity (ytd only) | 5.7673% | 2,844 |
| Net charge-offs to loans | 0.1386% | 3,811 |
| Credit loss provision to net charge-offs | 17.0213% | 4,655 |
| Earnings coverage of net charge-offs (x) | 6.9787% | 2,542 |
| Efficiency ratio | 85.1247% | 1,522 |
| Assets per employee ($millions) | 3.0756% | 5,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7194% | 1,013 |
| Loan loss allowance to noncurrent loans | 121.3468% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 1.8295% | 2,999 |
| Noncurrent loans to loans | 2.2410% | 2,681 |
| Net loans and leases to total assets | 56.6455% | 4,374 |
| Net loans and leases to deposits | 66.2419% | 4,480 |
| Net loans and leases to core deposits | 74.1198% | 4,019 |
| Total domestic deposits to total assets | 85.5131% | 3,600 |
| Equity capital to assets | 9.6372% | 4,854 |
| Core capital (leverage) ratio | 8.7460% | 5,305 |
| Tier 1 risk-based capital ratio | 14.1584% | 4,333 |
| Total risk-based capital ratio | 15.4235% | 4,285 |
| Memoranda: | ||
| Average total assets | $115,910,330 | 4,511 |
| Average earning assets | $103,862,670 | 4,578 |
| Average equity | $10,715,670 | 4,872 |
| Average total loans | $67,845,330 | 4,496 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5394% | 3,757 |
| Cost of funding earning assets | 0.7420% | 3,930 |
| Net interest margin | 3.7975% | 3,402 |
| Noninterest income to average assets | 0.3009% | 5,471 |
| Noninterest expense to average assets | 3.2693% | 2,388 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4241% | 5,144 |
| Return on assets (ROA) | 0.4241% | 5,338 |
| Pretax return on assets | 0.4446% | 5,604 |
| Return on Equity (ROE) | 4.6837% | 4,941 |
| Retained earnings to average equity (ytd only) | 4.6837% | 3,755 |
| Net charge-offs to loans | -0.0350% | 6,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0295% | 1,281 |
| Assets per employee ($millions) | 3.1059% | 5,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6799% | 1,141 |
| Loan loss allowance to noncurrent loans | 135.6094% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 1.8123% | 3,157 |
| Noncurrent loans to loans | 1.9762% | 3,191 |
| Net loans and leases to total assets | 56.8303% | 4,241 |
| Net loans and leases to deposits | 65.8434% | 4,403 |
| Net loans and leases to core deposits | 73.2801% | 3,982 |
| Total domestic deposits to total assets | 86.3114% | 3,353 |
| Equity capital to assets | 9.0489% | 5,425 |
| Core capital (leverage) ratio | 8.5279% | 5,551 |
| Tier 1 risk-based capital ratio | 13.6182% | 4,737 |
| Total risk-based capital ratio | 14.8831% | 4,712 |
| Memoranda: | ||
| Average total assets | $116,966,000 | 4,517 |
| Average earning assets | $105,123,000 | 4,567 |
| Average equity | $10,590,000 | 4,907 |
| Average total loans | $68,636,000 | 4,492 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9037% | 3,335 |
| Cost of funding earning assets | 0.9383% | 3,802 |
| Net interest margin | 3.9653% | 3,040 |
| Noninterest income to average assets | 0.3205% | 5,252 |
| Noninterest expense to average assets | 3.1943% | 2,889 |
| Loan and lease loss provision to assets | 0.5495% | 1,897 |
| Net operating income to assets | 0.0912% | 5,882 |
| Return on assets (ROA) | 0.0865% | 6,012 |
| Pretax return on assets | 0.1077% | 5,960 |
| Return on Equity (ROE) | 1.0116% | 5,963 |
| Retained earnings to average equity (ytd only) | 1.0116% | 5,390 |
| Net charge-offs to loans | 1.1092% | 1,552 |
| Credit loss provision to net charge-offs | 81.8182% | 4,371 |
| Earnings coverage of net charge-offs (x) | 0.9874% | 5,057 |
| Efficiency ratio | 82.8094% | 1,915 |
| Assets per employee ($millions) | 3.0502% | 5,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6949% | 1,079 |
| Loan loss allowance to noncurrent loans | 117.5495% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 2.0430% | 2,907 |
| Noncurrent loans to loans | 2.2926% | 2,862 |
| Net loans and leases to total assets | 57.3813% | 4,483 |
| Net loans and leases to deposits | 66.5270% | 4,663 |
| Net loans and leases to core deposits | 74.7771% | 4,138 |
| Total domestic deposits to total assets | 86.2528% | 3,164 |
| Equity capital to assets | 9.0590% | 5,486 |
| Core capital (leverage) ratio | 8.3825% | 5,738 |
| Tier 1 risk-based capital ratio | 13.2372% | 4,884 |
| Total risk-based capital ratio | 14.5021% | 4,852 |
| Memoranda: | ||
| Average total assets | $117,929,600 | 4,460 |
| Average earning assets | $105,186,400 | 4,520 |
| Average equity | $10,082,800 | 4,989 |
| Average total loans | $71,405,800 | 4,434 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9437% | 3,366 |
| Cost of funding earning assets | 0.9751% | 3,850 |
| Net interest margin | 3.9686% | 3,056 |
| Noninterest income to average assets | 0.2904% | 5,532 |
| Noninterest expense to average assets | 3.3289% | 2,406 |
| Loan and lease loss provision to assets | 0.7295% | 1,313 |
| Net operating income to assets | -0.2353% | 6,427 |
| Return on assets (ROA) | -0.2173% | 6,479 |
| Pretax return on assets | -0.2173% | 6,425 |
| Return on Equity (ROE) | -2.5788% | 6,530 |
| Retained earnings to average equity (ytd only) | -2.5788% | 6,367 |
| Net charge-offs to loans | 1.4096% | 1,058 |
| Credit loss provision to net charge-offs | 84.9279% | 3,963 |
| Earnings coverage of net charge-offs (x) | 0.5754% | 5,190 |
| Efficiency ratio | 87.0730% | 1,428 |
| Assets per employee ($millions) | 3.1256% | 5,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6521% | 1,201 |
| Loan loss allowance to noncurrent loans | 121.1650% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 2.0347% | 3,101 |
| Noncurrent loans to loans | 2.1888% | 3,126 |
| Net loans and leases to total assets | 59.4175% | 4,250 |
| Net loans and leases to deposits | 68.7635% | 4,478 |
| Net loans and leases to core deposits | 80.8096% | 3,511 |
| Total domestic deposits to total assets | 86.4085% | 2,981 |
| Equity capital to assets | 8.8486% | 5,921 |
| Core capital (leverage) ratio | 8.2284% | 6,096 |
| Tier 1 risk-based capital ratio | 12.5688% | 5,434 |
| Total risk-based capital ratio | 13.8342% | 5,400 |
| Memoranda: | ||
| Average total assets | $118,435,250 | 4,473 |
| Average earning assets | $105,425,250 | 4,540 |
| Average equity | $9,978,500 | 5,035 |
| Average total loans | $72,169,500 | 4,445 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9629% | 3,339 |
| Cost of funding earning assets | 1.0360% | 3,696 |
| Net interest margin | 3.9269% | 3,183 |
| Noninterest income to average assets | 0.2547% | 5,826 |
| Noninterest expense to average assets | 3.3879% | 2,299 |
| Loan and lease loss provision to assets | 0.7272% | 1,282 |
| Net operating income to assets | -0.4038% | 6,612 |
| Return on assets (ROA) | -0.3820% | 6,630 |
| Pretax return on assets | -0.3519% | 6,564 |
| Return on Equity (ROE) | -4.6090% | 6,689 |
| Retained earnings to average equity (ytd only) | -4.6090% | 6,535 |
| Net charge-offs to loans | 1.5159% | 974 |
| Credit loss provision to net charge-offs | 78.7659% | 3,815 |
| Earnings coverage of net charge-offs (x) | 0.3829% | 5,021 |
| Efficiency ratio | 90.5508% | 1,205 |
| Assets per employee ($millions) | 3.1646% | 5,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5870% | 1,328 |
| Loan loss allowance to noncurrent loans | 113.2808% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 2.3947% | 2,759 |
| Noncurrent loans to loans | 2.2837% | 3,124 |
| Net loans and leases to total assets | 60.0707% | 4,260 |
| Net loans and leases to deposits | 69.2078% | 4,537 |
| Net loans and leases to core deposits | 81.2517% | 3,616 |
| Total domestic deposits to total assets | 86.7976% | 2,857 |
| Equity capital to assets | 8.5087% | 6,167 |
| Core capital (leverage) ratio | 8.0398% | 6,252 |
| Tier 1 risk-based capital ratio | 12.1981% | 5,614 |
| Total risk-based capital ratio | 13.4624% | 5,585 |
| Memoranda: | ||
| Average total assets | $119,365,000 | 4,477 |
| Average earning assets | $105,986,670 | 4,566 |
| Average equity | $9,893,670 | 5,077 |
| Average total loans | $72,697,330 | 4,480 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8184% | 3,970 |
| Cost of funding earning assets | 1.0919% | 3,576 |
| Net interest margin | 3.7266% | 3,966 |
| Noninterest income to average assets | 0.0896% | 6,968 |
| Noninterest expense to average assets | 3.2199% | 2,817 |
| Loan and lease loss provision to assets | 0.4050% | 2,165 |
| Net operating income to assets | -0.2456% | 6,606 |
| Return on assets (ROA) | -0.2456% | 6,619 |
| Pretax return on assets | -0.2158% | 6,552 |
| Return on Equity (ROE) | -3.0023% | 6,671 |
| Retained earnings to average equity (ytd only) | -3.0023% | 6,296 |
| Net charge-offs to loans | 1.7000% | 774 |
| Credit loss provision to net charge-offs | 39.3548% | 3,963 |
| Earnings coverage of net charge-offs (x) | 0.1839% | 4,471 |
| Efficiency ratio | 94.4499% | 1,015 |
| Assets per employee ($millions) | 3.2957% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4457% | 1,540 |
| Loan loss allowance to noncurrent loans | 90.1754% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 3.1343% | 2,203 |
| Noncurrent loans to loans | 2.7121% | 2,785 |
| Net loans and leases to total assets | 58.8486% | 4,488 |
| Net loans and leases to deposits | 67.2710% | 4,789 |
| Net loans and leases to core deposits | 79.5954% | 3,807 |
| Total domestic deposits to total assets | 87.4799% | 2,673 |
| Equity capital to assets | 8.0597% | 6,437 |
| Core capital (leverage) ratio | 8.0250% | 6,224 |
| Tier 1 risk-based capital ratio | 12.0585% | 5,637 |
| Total risk-based capital ratio | 13.3209% | 5,621 |
| Memoranda: | ||
| Average total assets | $120,501,500 | 4,467 |
| Average earning assets | $107,337,500 | 4,546 |
| Average equity | $9,859,000 | 5,078 |
| Average total loans | $72,943,000 | 4,517 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1761% | 3,722 |
| Cost of funding earning assets | 1.4956% | 2,666 |
| Net interest margin | 3.6804% | 4,446 |
| Noninterest income to average assets | -0.0305% | 7,338 |
| Noninterest expense to average assets | 3.1701% | 3,189 |
| Loan and lease loss provision to assets | 1.2767% | 1,211 |
| Net operating income to assets | -1.0983% | 6,739 |
| Return on assets (ROA) | -0.9912% | 6,719 |
| Pretax return on assets | -1.1132% | 6,701 |
| Return on Equity (ROE) | -10.6435% | 6,754 |
| Retained earnings to average equity (ytd only) | -10.6435% | 6,695 |
| Net charge-offs to loans | 1.2373% | 1,813 |
| Credit loss provision to net charge-offs | 160.1488% | 2,180 |
| Earnings coverage of net charge-offs (x) | 0.0542% | 6,061 |
| Efficiency ratio | 98.6554% | 845 |
| Assets per employee ($millions) | 3.0529% | 5,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7459% | 1,117 |
| Loan loss allowance to noncurrent loans | 75.3700% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 3.7644% | 1,822 |
| Noncurrent loans to loans | 3.6432% | 2,047 |
| Net loans and leases to total assets | 59.0788% | 4,826 |
| Net loans and leases to deposits | 67.7763% | 5,135 |
| Net loans and leases to core deposits | 80.8313% | 4,089 |
| Total domestic deposits to total assets | 87.1673% | 2,730 |
| Equity capital to assets | 8.3065% | 6,139 |
| Core capital (leverage) ratio | 8.1925% | 5,837 |
| Tier 1 risk-based capital ratio | 12.2873% | 5,224 |
| Total risk-based capital ratio | 13.5527% | 5,172 |
| Memoranda: | ||
| Average total assets | $118,039,400 | 4,526 |
| Average earning assets | $104,036,800 | 4,604 |
| Average equity | $10,992,600 | 4,866 |
| Average total loans | $76,055,400 | 4,450 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2641% | 3,514 |
| Cost of funding earning assets | 1.5583% | 2,617 |
| Net interest margin | 3.7058% | 4,375 |
| Noninterest income to average assets | 0.3554% | 5,320 |
| Noninterest expense to average assets | 3.1820% | 2,991 |
| Loan and lease loss provision to assets | 0.7324% | 2,090 |
| Net operating income to assets | -0.2988% | 6,424 |
| Return on assets (ROA) | -0.1381% | 6,312 |
| Pretax return on assets | -0.1381% | 6,261 |
| Return on Equity (ROE) | -1.4435% | 6,331 |
| Retained earnings to average equity (ytd only) | -1.4435% | 6,090 |
| Net charge-offs to loans | 1.4149% | 1,436 |
| Credit loss provision to net charge-offs | 79.1922% | 5,163 |
| Earnings coverage of net charge-offs (x) | 0.4688% | 5,554 |
| Efficiency ratio | 88.0088% | 1,448 |
| Assets per employee ($millions) | 3.2135% | 5,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6740% | 3,237 |
| Loan loss allowance to noncurrent loans | 77.3036% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 3.1397% | 2,295 |
| Noncurrent loans to loans | 2.1655% | 3,487 |
| Net loans and leases to total assets | 60.1241% | 4,888 |
| Net loans and leases to deposits | 69.5997% | 5,208 |
| Net loans and leases to core deposits | 83.1164% | 4,077 |
| Total domestic deposits to total assets | 86.3857% | 2,863 |
| Equity capital to assets | 9.1603% | 5,369 |
| Core capital (leverage) ratio | 8.9495% | 4,763 |
| Tier 1 risk-based capital ratio | 13.2124% | 4,414 |
| Total risk-based capital ratio | 14.4660% | 4,385 |
| Memoranda: | ||
| Average total assets | $117,783,500 | 4,587 |
| Average earning assets | $103,618,000 | 4,682 |
| Average equity | $11,268,250 | 4,866 |
| Average total loans | $76,987,500 | 4,499 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3637% | 3,138 |
| Cost of funding earning assets | 1.5943% | 2,690 |
| Net interest margin | 3.7694% | 4,051 |
| Noninterest income to average assets | 0.7461% | 2,423 |
| Noninterest expense to average assets | 3.2663% | 2,672 |
| Loan and lease loss provision to assets | 0.7117% | 2,045 |
| Net operating income to assets | 0.0795% | 5,923 |
| Return on assets (ROA) | 0.1874% | 5,729 |
| Pretax return on assets | 0.2183% | 5,728 |
| Return on Equity (ROE) | 1.9299% | 5,657 |
| Retained earnings to average equity (ytd only) | 1.9299% | 4,907 |
| Net charge-offs to loans | 1.0880% | 1,733 |
| Credit loss provision to net charge-offs | 97.8723% | 4,187 |
| Earnings coverage of net charge-offs (x) | 1.1064% | 4,686 |
| Efficiency ratio | 80.2365% | 2,414 |
| Assets per employee ($millions) | 3.1311% | 5,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8332% | 2,626 |
| Loan loss allowance to noncurrent loans | 65.8879% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 3.8065% | 1,828 |
| Noncurrent loans to loans | 2.7823% | 2,876 |
| Net loans and leases to total assets | 63.4602% | 4,362 |
| Net loans and leases to deposits | 73.9433% | 4,683 |
| Net loans and leases to core deposits | 92.0512% | 2,976 |
| Total domestic deposits to total assets | 85.8228% | 3,188 |
| Equity capital to assets | 9.6159% | 4,523 |
| Core capital (leverage) ratio | 9.3073% | 4,107 |
| Tier 1 risk-based capital ratio | 13.3132% | 4,200 |
| Total risk-based capital ratio | 14.5691% | 4,152 |
| Memoranda: | ||
| Average total assets | $116,340,000 | 4,647 |
| Average earning assets | $102,615,330 | 4,730 |
| Average equity | $11,295,670 | 4,853 |
| Average total loans | $77,760,000 | 4,514 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3513% | 3,296 |
| Cost of funding earning assets | 1.6172% | 2,855 |
| Net interest margin | 3.7341% | 4,083 |
| Noninterest income to average assets | 0.4556% | 4,417 |
| Noninterest expense to average assets | 3.2307% | 2,757 |
| Loan and lease loss provision to assets | 0.9042% | 1,406 |
| Net operating income to assets | -0.4104% | 6,768 |
| Return on assets (ROA) | -0.3582% | 6,769 |
| Pretax return on assets | -0.3269% | 6,664 |
| Return on Equity (ROE) | -3.6710% | 6,794 |
| Retained earnings to average equity (ytd only) | -3.6710% | 6,455 |
| Net charge-offs to loans | 0.8902% | 1,787 |
| Credit loss provision to net charge-offs | 149.4253% | 2,391 |
| Earnings coverage of net charge-offs (x) | 0.8678% | 4,269 |
| Efficiency ratio | 86.0185% | 1,794 |
| Assets per employee ($millions) | 2.9549% | 6,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9050% | 2,423 |
| Loan loss allowance to noncurrent loans | 81.4835% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 3.5382% | 1,982 |
| Noncurrent loans to loans | 2.3379% | 3,345 |
| Net loans and leases to total assets | 65.5665% | 3,964 |
| Net loans and leases to deposits | 76.2586% | 4,364 |
| Net loans and leases to core deposits | 97.2994% | 2,423 |
| Total domestic deposits to total assets | 85.9792% | 3,163 |
| Equity capital to assets | 9.4428% | 4,626 |
| Core capital (leverage) ratio | 9.3252% | 4,003 |
| Tier 1 risk-based capital ratio | 12.7884% | 4,494 |
| Total risk-based capital ratio | 14.0443% | 4,452 |
| Memoranda: | ||
| Average total assets | $115,020,000 | 4,739 |
| Average earning assets | $101,657,000 | 4,827 |
| Average equity | $11,223,000 | 4,918 |
| Average total loans | $78,182,500 | 4,574 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7409% | 2,907 |
| Cost of funding earning assets | 1.9882% | 3,012 |
| Net interest margin | 3.7527% | 3,900 |
| Noninterest income to average assets | -0.0716% | 7,780 |
| Noninterest expense to average assets | 3.2399% | 3,235 |
| Loan and lease loss provision to assets | 0.9603% | 2,358 |
| Net operating income to assets | -0.9670% | 6,554 |
| Return on assets (ROA) | -0.9193% | 6,529 |
| Pretax return on assets | -0.9347% | 6,368 |
| Return on Equity (ROE) | -9.1201% | 6,547 |
| Retained earnings to average equity (ytd only) | -9.5431% | 6,483 |
| Net charge-offs to loans | 0.8190% | 2,781 |
| Credit loss provision to net charge-offs | 177.0440% | 2,362 |
| Earnings coverage of net charge-offs (x) | -0.0425% | 6,264 |
| Efficiency ratio | 100.7158% | 1,071 |
| Assets per employee ($millions) | 2.7961% | 6,669 |
| Cash dividends to net income (ytd only)* | -4.6382% | 7,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8342% | 2,437 |
| Loan loss allowance to noncurrent loans | 68.6502% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 3.9063% | 1,699 |
| Noncurrent loans to loans | 2.6718% | 2,870 |
| Net loans and leases to total assets | 67.9017% | 3,723 |
| Net loans and leases to deposits | 79.7639% | 4,038 |
| Net loans and leases to core deposits | 103.5040% | 3,627 |
| Total domestic deposits to total assets | 85.1284% | 3,496 |
| Equity capital to assets | 10.0899% | 3,634 |
| Core capital (leverage) ratio | 9.5214% | 3,688 |
| Tier 1 risk-based capital ratio | 13.2476% | 3,987 |
| Total risk-based capital ratio | 14.5038% | 3,926 |
| Memoranda: | ||
| Average total assets | $117,257,600 | 4,652 |
| Average earning assets | $102,754,000 | 4,765 |
| Average equity | $11,820,000 | 4,792 |
| Average total loans | $77,656,400 | 4,599 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7508% | 3,096 |
| Cost of funding earning assets | 2.0644% | 3,053 |
| Net interest margin | 3.6864% | 4,130 |
| Noninterest income to average assets | -0.2529% | 7,998 |
| Noninterest expense to average assets | 3.1025% | 3,641 |
| Loan and lease loss provision to assets | 0.7891% | 2,395 |
| Net operating income to assets | -0.9229% | 6,776 |
| Return on assets (ROA) | -0.8700% | 6,741 |
| Pretax return on assets | -0.8700% | 6,582 |
| Return on Equity (ROE) | -8.6330% | 6,782 |
| Retained earnings to average equity (ytd only) | -8.6330% | 6,671 |
| Net charge-offs to loans | 0.9091% | 2,154 |
| Credit loss provision to net charge-offs | 132.4528% | 3,778 |
| Earnings coverage of net charge-offs (x) | -0.2245% | 6,306 |
| Efficiency ratio | 104.5059% | 898 |
| Assets per employee ($millions) | 2.8446% | 6,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 3,822 |
| Loan loss allowance to noncurrent loans | 82.9195% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 3.5155% | 1,886 |
| Noncurrent loans to loans | 1.7152% | 4,065 |
| Net loans and leases to total assets | 67.1287% | 4,156 |
| Net loans and leases to deposits | 78.9672% | 4,568 |
| Net loans and leases to core deposits | 100.9009% | 4,273 |
| Total domestic deposits to total assets | 85.0083% | 3,232 |
| Equity capital to assets | 10.2485% | 3,789 |
| Core capital (leverage) ratio | 9.7014% | 3,643 |
| Tier 1 risk-based capital ratio | 13.4896% | 3,858 |
| Total risk-based capital ratio | 14.7401% | 3,792 |
| Memoranda: | ||
| Average total assets | $118,611,000 | 4,635 |
| Average earning assets | $103,658,500 | 4,774 |
| Average equity | $11,953,750 | 4,808 |
| Average total loans | $77,729,750 | 4,639 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7009% | 3,533 |
| Cost of funding earning assets | 2.0877% | 3,329 |
| Net interest margin | 3.6132% | 4,311 |
| Noninterest income to average assets | -0.7287% | 8,146 |
| Noninterest expense to average assets | 3.1941% | 3,351 |
| Loan and lease loss provision to assets | 0.4542% | 3,262 |
| Net operating income to assets | -1.2011% | 7,109 |
| Return on assets (ROA) | -1.1013% | 7,051 |
| Pretax return on assets | -1.1013% | 6,882 |
| Return on Equity (ROE) | -10.9863% | 7,111 |
| Retained earnings to average equity (ytd only) | -10.9863% | 6,969 |
| Net charge-offs to loans | 0.4010% | 3,192 |
| Credit loss provision to net charge-offs | 175.0000% | 2,617 |
| Earnings coverage of net charge-offs (x) | -2.8782% | 6,401 |
| Efficiency ratio | 130.5235% | 523 |
| Assets per employee ($millions) | 2.8238% | 6,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 4,051 |
| Loan loss allowance to noncurrent loans | 128.1518% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 2.5649% | 2,517 |
| Noncurrent loans to loans | 1.0440% | 5,130 |
| Net loans and leases to total assets | 65.1017% | 4,743 |
| Net loans and leases to deposits | 75.9941% | 5,178 |
| Net loans and leases to core deposits | 95.2869% | 4,979 |
| Total domestic deposits to total assets | 85.6668% | 2,933 |
| Equity capital to assets | 9.7421% | 4,292 |
| Core capital (leverage) ratio | 9.3917% | 4,037 |
| Tier 1 risk-based capital ratio | 13.3782% | 3,879 |
| Total risk-based capital ratio | 14.6083% | 3,834 |
| Memoranda: | ||
| Average total assets | $120,220,330 | 4,630 |
| Average earning assets | $105,667,330 | 4,733 |
| Average equity | $12,051,330 | 4,802 |
| Average total loans | $77,812,000 | 4,665 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5342% | 4,730 |
| Cost of funding earning assets | 2.0767% | 3,758 |
| Net interest margin | 3.4575% | 4,904 |
| Noninterest income to average assets | 0.5651% | 3,791 |
| Noninterest expense to average assets | 3.0075% | 3,740 |
| Loan and lease loss provision to assets | 0.3702% | 3,108 |
| Net operating income to assets | 0.2049% | 5,644 |
| Return on assets (ROA) | 0.2446% | 5,674 |
| Pretax return on assets | 0.3074% | 5,663 |
| Return on Equity (ROE) | 2.4065% | 5,620 |
| Retained earnings to average equity (ytd only) | 2.4065% | 4,540 |
| Net charge-offs to loans | 0.2681% | 3,058 |
| Credit loss provision to net charge-offs | 215.3846% | 2,095 |
| Earnings coverage of net charge-offs (x) | 3.6538% | 3,109 |
| Efficiency ratio | 82.7273% | 2,445 |
| Assets per employee ($millions) | 2.8400% | 6,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 4,259 |
| Loan loss allowance to noncurrent loans | 125.4753% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 2.3485% | 2,442 |
| Noncurrent loans to loans | 1.0137% | 4,973 |
| Net loans and leases to total assets | 62.9250% | 5,174 |
| Net loans and leases to deposits | 73.6547% | 5,527 |
| Net loans and leases to core deposits | 93.2856% | 5,232 |
| Total domestic deposits to total assets | 85.4324% | 2,999 |
| Equity capital to assets | 10.1769% | 3,785 |
| Core capital (leverage) ratio | 10.0464% | 3,356 |
| Tier 1 risk-based capital ratio | 14.0152% | 3,579 |
| Total risk-based capital ratio | 15.1588% | 3,566 |
| Memoranda: | ||
| Average total assets | $121,031,000 | 4,620 |
| Average earning assets | $107,477,000 | 4,704 |
| Average equity | $12,300,000 | 4,751 |
| Average total loans | $77,589,500 | 4,693 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4956% | 2,976 |
| Cost of funding earning assets | 2.4242% | 4,610 |
| Net interest margin | 4.0713% | 2,826 |
| Noninterest income to average assets | 0.4750% | 4,839 |
| Noninterest expense to average assets | 3.2047% | 3,323 |
| Loan and lease loss provision to assets | 0.5055% | 2,789 |
| Net operating income to assets | 0.3948% | 5,171 |
| Return on assets (ROA) | -0.0401% | 6,279 |
| Pretax return on assets | -0.0401% | 6,199 |
| Return on Equity (ROE) | -0.3784% | 6,281 |
| Retained earnings to average equity (ytd only) | -1.9745% | 5,860 |
| Net charge-offs to loans | 0.3225% | 3,244 |
| Credit loss provision to net charge-offs | 234.8178% | 2,022 |
| Earnings coverage of net charge-offs (x) | 4.1822% | 4,074 |
| Efficiency ratio | 78.0679% | 2,908 |
| Assets per employee ($millions) | 2.7893% | 6,579 |
| Cash dividends to net income (ytd only)* | -421.7391% | 8,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 4,516 |
| Loan loss allowance to noncurrent loans | 179.5367% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 1.9318% | 2,543 |
| Noncurrent loans to loans | 0.6697% | 5,357 |
| Net loans and leases to total assets | 63.7100% | 5,339 |
| Net loans and leases to deposits | 74.5978% | 5,780 |
| Net loans and leases to core deposits | 102.8051% | 4,523 |
| Total domestic deposits to total assets | 85.4046% | 2,665 |
| Equity capital to assets | 10.1482% | 3,867 |
| Core capital (leverage) ratio | 10.2240% | 3,242 |
| Tier 1 risk-based capital ratio | 14.1776% | 3,459 |
| Total risk-based capital ratio | 15.2667% | 3,457 |
| Memoranda: | ||
| Average total assets | $114,737,600 | 4,650 |
| Average earning assets | $102,300,400 | 4,737 |
| Average equity | $12,155,200 | 4,793 |
| Average total loans | $76,596,000 | 4,628 |