Home > Citizens Bank of Rogersville > Performance and Condition Ratios
Citizens Bank of Rogersville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3952% | 1,322 |
| Cost of funding earning assets | 1.9037% | 1,061 |
| Net interest margin | 3.4915% | 2,202 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 3.0040% | 1,121 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.6410% | 3,337 |
| Return on assets (ROA) | 0.6377% | 3,321 |
| Pretax return on assets | 0.6377% | 3,569 |
| Return on Equity (ROE) | 7.0400% | 3,269 |
| Retained earnings to average equity (ytd only) | 2.1460% | 3,550 |
| Net charge-offs to loans | 0.4752% | 221 |
| Credit loss provision to net charge-offs | 38.7097% | 2,244 |
| Earnings coverage of net charge-offs (x) | 2.0817% | 2,724 |
| Efficiency ratio | 78.4596% | 1,032 |
| Assets per employee ($millions) | 5.0091% | 3,626 |
| Cash dividends to net income (ytd only)* | 69.5153% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 3,055 |
| Loan loss allowance to noncurrent loans | 620.9581% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 2,636 |
| Noncurrent loans to loans | 0.1697% | 2,670 |
| Net loans and leases to total assets | 77.7600% | 891 |
| Net loans and leases to deposits | 88.6063% | 1,385 |
| Net loans and leases to core deposits | 105.2692% | 1,148 |
| Total domestic deposits to total assets | 87.7600% | 1,431 |
| Equity capital to assets | 9.4045% | 2,422 |
| Core capital (leverage) ratio | 10.7144% | 2,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $122,935,800 | 3,621 |
| Average earning assets | $114,305,600 | 3,597 |
| Average equity | $11,137,200 | 3,607 |
| Average total loans | $97,843,400 | 3,198 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2494% | 1,360 |
| Cost of funding earning assets | 1.8102% | 991 |
| Net interest margin | 3.4392% | 2,364 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 3.0357% | 1,018 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.6331% | 3,464 |
| Return on assets (ROA) | 0.6287% | 3,471 |
| Pretax return on assets | 0.6287% | 3,688 |
| Return on Equity (ROE) | 7.0100% | 3,430 |
| Retained earnings to average equity (ytd only) | 0.9352% | 3,965 |
| Net charge-offs to loans | 0.0778% | 939 |
| Credit loss provision to net charge-offs | 184.2105% | 1,176 |
| Earnings coverage of net charge-offs (x) | 12.0351% | 2,082 |
| Efficiency ratio | 79.2051% | 910 |
| Assets per employee ($millions) | 4.7099% | 3,804 |
| Cash dividends to net income (ytd only)* | 86.6551% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 1,450 |
| Loan loss allowance to noncurrent loans | 273.4531% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4091% | 1,415 |
| Noncurrent loans to loans | 0.5116% | 1,539 |
| Net loans and leases to total assets | 78.8500% | 773 |
| Net loans and leases to deposits | 89.4132% | 1,276 |
| Net loans and leases to core deposits | 104.9554% | 1,065 |
| Total domestic deposits to total assets | 88.1900% | 1,512 |
| Equity capital to assets | 8.8455% | 2,508 |
| Core capital (leverage) ratio | 10.5266% | 2,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $122,363,000 | 3,641 |
| Average earning assets | $114,016,250 | 3,620 |
| Average equity | $10,977,250 | 3,617 |
| Average total loans | $97,701,750 | 3,204 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0388% | 1,494 |
| Cost of funding earning assets | 1.6581% | 953 |
| Net interest margin | 3.3807% | 2,571 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 3.0802% | 925 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.6491% | 3,462 |
| Return on assets (ROA) | 0.6425% | 3,490 |
| Pretax return on assets | 0.6425% | 3,720 |
| Return on Equity (ROE) | 7.1300% | 3,453 |
| Retained earnings to average equity (ytd only) | -1.9409% | 4,287 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.8175% | 936 |
| Assets per employee ($millions) | 4.7740% | 3,771 |
| Cash dividends to net income (ytd only)* | 127.2265% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 1,523 |
| Loan loss allowance to noncurrent loans | 875.4717% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 2,655 |
| Noncurrent loans to loans | 0.1603% | 2,676 |
| Net loans and leases to total assets | 78.7700% | 759 |
| Net loans and leases to deposits | 89.2682% | 1,242 |
| Net loans and leases to core deposits | 101.4726% | 1,161 |
| Total domestic deposits to total assets | 88.2400% | 1,518 |
| Equity capital to assets | 8.8870% | 2,598 |
| Core capital (leverage) ratio | 10.6144% | 2,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $122,331,333 | 3,653 |
| Average earning assets | $114,471,667 | 3,630 |
| Average equity | $11,025,667 | 3,631 |
| Average total loans | $97,625,667 | 3,199 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9210% | 1,376 |
| Cost of funding earning assets | 1.5020% | 842 |
| Net interest margin | 3.4190% | 2,584 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 3.1326% | 889 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.2932% | 4,259 |
| Return on assets (ROA) | 0.2800% | 4,236 |
| Pretax return on assets | 0.2800% | 4,279 |
| Return on Equity (ROE) | 3.0700% | 4,178 |
| Retained earnings to average equity (ytd only) | -14.9982% | 4,549 |
| Net charge-offs to loans | -0.0041% | 3,586 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.5741% | 487 |
| Assets per employee ($millions) | 4.8609% | 3,754 |
| Cash dividends to net income (ytd only)* | 588.2353% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 1,589 |
| Loan loss allowance to noncurrent loans | 1,108.1301% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 2,821 |
| Noncurrent loans to loans | 0.1271% | 2,878 |
| Net loans and leases to total assets | 78.5400% | 707 |
| Net loans and leases to deposits | 88.7484% | 1,153 |
| Net loans and leases to core deposits | 99.6606% | 1,102 |
| Total domestic deposits to total assets | 88.4900% | 1,744 |
| Equity capital to assets | 9.1217% | 2,429 |
| Core capital (leverage) ratio | 10.0104% | 2,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $121,434,500 | 3,711 |
| Average earning assets | $113,716,500 | 3,683 |
| Average equity | $11,068,000 | 3,667 |
| Average total loans | $96,853,000 | 3,244 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1946% | 1,260 |
| Cost of funding earning assets | 0.4546% | 1,687 |
| Net interest margin | 3.7400% | 1,286 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.7820% | 1,352 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.1242% | 2,074 |
| Return on assets (ROA) | 1.1242% | 2,018 |
| Pretax return on assets | 1.1242% | 2,695 |
| Return on Equity (ROE) | 12.0100% | 2,131 |
| Retained earnings to average equity (ytd only) | 2.7185% | 3,796 |
| Net charge-offs to loans | 0.0266% | 1,524 |
| Credit loss provision to net charge-offs | 913.0435% | 459 |
| Earnings coverage of net charge-offs (x) | 69.0435% | 1,166 |
| Efficiency ratio | 66.9868% | 2,090 |
| Assets per employee ($millions) | 4.6672% | 3,926 |
| Cash dividends to net income (ytd only)* | 77.3585% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 1,631 |
| Loan loss allowance to noncurrent loans | 1,468.8889% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 3,047 |
| Noncurrent loans to loans | 0.0929% | 3,096 |
| Net loans and leases to total assets | 78.7700% | 721 |
| Net loans and leases to deposits | 86.8634% | 1,257 |
| Net loans and leases to core deposits | 92.5446% | 1,362 |
| Total domestic deposits to total assets | 90.6800% | 1,067 |
| Equity capital to assets | 9.1070% | 2,290 |
| Core capital (leverage) ratio | 10.2201% | 2,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $122,573,000 | 3,702 |
| Average earning assets | $114,598,400 | 3,680 |
| Average equity | $11,476,800 | 3,719 |
| Average total loans | $86,360,000 | 3,330 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0083% | 1,253 |
| Cost of funding earning assets | 0.3266% | 1,896 |
| Net interest margin | 3.6817% | 1,184 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.7473% | 1,355 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.2185% | 1,640 |
| Return on assets (ROA) | 1.2185% | 1,611 |
| Pretax return on assets | 1.2185% | 2,298 |
| Return on Equity (ROE) | 12.9300% | 1,718 |
| Retained earnings to average equity (ytd only) | 1.4158% | 4,153 |
| Net charge-offs to loans | 0.0414% | 1,080 |
| Credit loss provision to net charge-offs | 615.3846% | 553 |
| Earnings coverage of net charge-offs (x) | 49.3462% | 1,294 |
| Efficiency ratio | 65.1376% | 2,394 |
| Assets per employee ($millions) | 5.5115% | 3,204 |
| Cash dividends to net income (ytd only)* | 89.0472% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 1,664 |
| Loan loss allowance to noncurrent loans | 976.1538% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 2,893 |
| Noncurrent loans to loans | 0.1415% | 2,916 |
| Net loans and leases to total assets | 74.7200% | 1,037 |
| Net loans and leases to deposits | 82.1278% | 1,438 |
| Net loans and leases to core deposits | 86.9869% | 1,467 |
| Total domestic deposits to total assets | 90.9800% | 1,250 |
| Equity capital to assets | 8.7552% | 2,370 |
| Core capital (leverage) ratio | 10.4425% | 2,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $122,879,750 | 3,730 |
| Average earning assets | $114,726,000 | 3,709 |
| Average equity | $11,583,250 | 3,757 |
| Average total loans | $83,724,250 | 3,369 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8390% | 1,221 |
| Cost of funding earning assets | 0.2371% | 2,426 |
| Net interest margin | 3.6019% | 1,061 |
| Noninterest income to average assets | 0.8686% | 907 |
| Noninterest expense to average assets | 2.7321% | 1,311 |
| Loan and lease loss provision to assets | 0.1215% | 817 |
| Net operating income to assets | 1.3871% | 933 |
| Return on assets (ROA) | 1.3871% | 910 |
| Pretax return on assets | 1.3871% | 1,477 |
| Return on Equity (ROE) | 14.3797% | 1,020 |
| Retained earnings to average equity (ytd only) | -2.4190% | 4,412 |
| Net charge-offs to loans | 0.0642% | 772 |
| Credit loss provision to net charge-offs | 288.4615% | 815 |
| Earnings coverage of net charge-offs (x) | 35.8077% | 1,314 |
| Efficiency ratio | 63.2404% | 2,880 |
| Assets per employee ($millions) | 4.9618% | 3,709 |
| Cash dividends to net income (ytd only)* | 116.8224% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 1,737 |
| Loan loss allowance to noncurrent loans | 1,208.1633% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 3,157 |
| Noncurrent loans to loans | 0.1161% | 3,153 |
| Net loans and leases to total assets | 69.8977% | 1,308 |
| Net loans and leases to deposits | 77.2788% | 1,590 |
| Net loans and leases to core deposits | 81.9657% | 1,595 |
| Total domestic deposits to total assets | 90.4488% | 1,492 |
| Equity capital to assets | 9.2884% | 2,169 |
| Core capital (leverage) ratio | 10.1827% | 2,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,422,000 | 3,771 |
| Average earning assets | $115,549,667 | 3,753 |
| Average equity | $11,905,667 | 3,792 |
| Average total loans | $81,010,667 | 3,440 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7472% | 1,183 |
| Cost of funding earning assets | 0.2276% | 2,433 |
| Net interest margin | 3.5196% | 1,052 |
| Noninterest income to average assets | 0.6529% | 1,482 |
| Noninterest expense to average assets | 2.6499% | 1,479 |
| Loan and lease loss provision to assets | 0.1274% | 647 |
| Net operating income to assets | 1.1752% | 1,315 |
| Return on assets (ROA) | 1.1752% | 1,313 |
| Pretax return on assets | 1.1752% | 1,896 |
| Return on Equity (ROE) | 11.9727% | 1,320 |
| Retained earnings to average equity (ytd only) | -20.4737% | 4,703 |
| Net charge-offs to loans | 0.0757% | 616 |
| Credit loss provision to net charge-offs | 266.6667% | 702 |
| Earnings coverage of net charge-offs (x) | 27.2667% | 1,174 |
| Efficiency ratio | 65.7534% | 2,795 |
| Assets per employee ($millions) | 5.1466% | 3,629 |
| Cash dividends to net income (ytd only)* | 271.0027% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 1,707 |
| Loan loss allowance to noncurrent loans | 1,084.1121% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 3,209 |
| Noncurrent loans to loans | 0.1338% | 3,142 |
| Net loans and leases to total assets | 63.7902% | 1,648 |
| Net loans and leases to deposits | 70.4471% | 1,924 |
| Net loans and leases to core deposits | 74.9510% | 1,854 |
| Total domestic deposits to total assets | 90.5504% | 1,265 |
| Equity capital to assets | 9.2334% | 2,500 |
| Core capital (leverage) ratio | 9.4754% | 2,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,591,000 | 3,766 |
| Average earning assets | $117,741,000 | 3,747 |
| Average equity | $12,328,000 | 3,826 |
| Average total loans | $79,305,500 | 3,469 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5931% | 512 |
| Cost of funding earning assets | 0.3143% | 2,260 |
| Net interest margin | 4.2788% | 427 |
| Noninterest income to average assets | 0.9471% | 1,096 |
| Noninterest expense to average assets | 2.7413% | 1,509 |
| Loan and lease loss provision to assets | 0.1404% | 860 |
| Net operating income to assets | 2.0207% | 326 |
| Return on assets (ROA) | 2.0207% | 344 |
| Pretax return on assets | 2.0207% | 580 |
| Return on Equity (ROE) | 18.5188% | 421 |
| Retained earnings to average equity (ytd only) | 12.4049% | 485 |
| Net charge-offs to loans | 0.0444% | 1,395 |
| Credit loss provision to net charge-offs | 444.4444% | 863 |
| Earnings coverage of net charge-offs (x) | 68.3889% | 1,092 |
| Efficiency ratio | 54.8075% | 3,843 |
| Assets per employee ($millions) | 5.1065% | 3,639 |
| Cash dividends to net income (ytd only)* | 33.0148% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 1,754 |
| Loan loss allowance to noncurrent loans | 799.2958% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 2,545 |
| Noncurrent loans to loans | 0.1805% | 3,042 |
| Net loans and leases to total assets | 60.7247% | 2,087 |
| Net loans and leases to deposits | 67.8841% | 2,321 |
| Net loans and leases to core deposits | 71.9197% | 2,268 |
| Total domestic deposits to total assets | 89.4535% | 1,266 |
| Equity capital to assets | 10.3797% | 2,294 |
| Core capital (leverage) ratio | 10.0426% | 2,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,923,400 | 3,857 |
| Average earning assets | $105,310,200 | 3,850 |
| Average equity | $12,430,600 | 3,890 |
| Average total loans | $81,036,200 | 3,462 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7337% | 456 |
| Cost of funding earning assets | 0.3368% | 2,232 |
| Net interest margin | 4.3969% | 377 |
| Noninterest income to average assets | 1.0293% | 1,017 |
| Noninterest expense to average assets | 2.8008% | 1,337 |
| Loan and lease loss provision to assets | 0.1566% | 706 |
| Net operating income to assets | 2.1202% | 378 |
| Return on assets (ROA) | 2.1202% | 400 |
| Pretax return on assets | 2.1202% | 654 |
| Return on Equity (ROE) | 19.1617% | 496 |
| Retained earnings to average equity (ytd only) | 10.8732% | 1,088 |
| Net charge-offs to loans | 0.0441% | 1,230 |
| Credit loss provision to net charge-offs | 481.4815% | 773 |
| Earnings coverage of net charge-offs (x) | 69.8889% | 1,066 |
| Efficiency ratio | 54.0399% | 3,810 |
| Assets per employee ($millions) | 5.4236% | 3,280 |
| Cash dividends to net income (ytd only)* | 43.2555% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 2,232 |
| Loan loss allowance to noncurrent loans | 337.5758% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 2,447 |
| Noncurrent loans to loans | 0.3996% | 2,362 |
| Net loans and leases to total assets | 65.3079% | 1,621 |
| Net loans and leases to deposits | 73.3706% | 1,919 |
| Net loans and leases to core deposits | 77.8635% | 1,900 |
| Total domestic deposits to total assets | 89.0110% | 1,269 |
| Equity capital to assets | 10.3477% | 2,569 |
| Core capital (leverage) ratio | 10.5266% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,488,500 | 3,936 |
| Average earning assets | $101,735,000 | 3,936 |
| Average equity | $12,225,500 | 3,959 |
| Average total loans | $81,630,750 | 3,495 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 550 |
| Cost of funding earning assets | 0.3860% | 2,003 |
| Net interest margin | 4.2898% | 501 |
| Noninterest income to average assets | 1.1954% | 806 |
| Noninterest expense to average assets | 2.9015% | 1,141 |
| Loan and lease loss provision to assets | 0.1702% | 683 |
| Net operating income to assets | 2.0542% | 445 |
| Return on assets (ROA) | 2.0542% | 469 |
| Pretax return on assets | 2.0542% | 747 |
| Return on Equity (ROE) | 18.1030% | 636 |
| Retained earnings to average equity (ytd only) | 5.4342% | 3,024 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4613% | 3,609 |
| Assets per employee ($millions) | 4.9458% | 3,702 |
| Cash dividends to net income (ytd only)* | 69.9816% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 2,438 |
| Loan loss allowance to noncurrent loans | 438.6454% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2307% | 2,774 |
| Noncurrent loans to loans | 0.2964% | 2,868 |
| Net loans and leases to total assets | 76.8179% | 517 |
| Net loans and leases to deposits | 88.6344% | 744 |
| Net loans and leases to core deposits | 95.1072% | 852 |
| Total domestic deposits to total assets | 86.6683% | 2,486 |
| Equity capital to assets | 11.2694% | 1,778 |
| Core capital (leverage) ratio | 10.4504% | 1,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,737,000 | 4,002 |
| Average earning assets | $96,880,667 | 4,004 |
| Average equity | $11,998,000 | 3,986 |
| Average total loans | $81,314,000 | 3,525 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8729% | 433 |
| Cost of funding earning assets | 0.4525% | 1,701 |
| Net interest margin | 4.4204% | 410 |
| Noninterest income to average assets | 1.0288% | 1,093 |
| Noninterest expense to average assets | 2.9405% | 1,086 |
| Loan and lease loss provision to assets | 0.1535% | 840 |
| Net operating income to assets | 1.9846% | 582 |
| Return on assets (ROA) | 1.9846% | 625 |
| Pretax return on assets | 1.9846% | 969 |
| Return on Equity (ROE) | 17.4279% | 790 |
| Retained earnings to average equity (ytd only) | -8.1915% | 4,786 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6893% | 3,467 |
| Assets per employee ($millions) | 4.5065% | 4,094 |
| Cash dividends to net income (ytd only)* | 147.0019% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 2,452 |
| Loan loss allowance to noncurrent loans | 404.2308% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2404% | 2,933 |
| Noncurrent loans to loans | 0.3206% | 2,952 |
| Net loans and leases to total assets | 74.0017% | 813 |
| Net loans and leases to deposits | 86.2962% | 945 |
| Net loans and leases to core deposits | 92.7117% | 1,064 |
| Total domestic deposits to total assets | 85.7531% | 2,834 |
| Equity capital to assets | 10.8065% | 2,004 |
| Core capital (leverage) ratio | 10.1373% | 2,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,201,500 | 4,025 |
| Average earning assets | $95,466,000 | 4,030 |
| Average equity | $11,866,000 | 4,011 |
| Average total loans | $79,628,500 | 3,572 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9754% | 513 |
| Cost of funding earning assets | 0.8011% | 1,204 |
| Net interest margin | 4.1743% | 684 |
| Noninterest income to average assets | 1.1672% | 801 |
| Noninterest expense to average assets | 3.1314% | 1,177 |
| Loan and lease loss provision to assets | 0.1631% | 2,337 |
| Net operating income to assets | 1.7313% | 458 |
| Return on assets (ROA) | 1.7385% | 492 |
| Pretax return on assets | 1.7385% | 786 |
| Return on Equity (ROE) | 15.2152% | 603 |
| Retained earnings to average equity (ytd only) | 11.6246% | 364 |
| Net charge-offs to loans | 0.0495% | 2,088 |
| Credit loss provision to net charge-offs | 407.6923% | 1,413 |
| Earnings coverage of net charge-offs (x) | 47.3590% | 1,248 |
| Efficiency ratio | 61.0408% | 3,305 |
| Assets per employee ($millions) | 4.0098% | 4,368 |
| Cash dividends to net income (ytd only)* | 23.5988% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 2,444 |
| Loan loss allowance to noncurrent loans | 378.6517% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 2,971 |
| Noncurrent loans to loans | 0.3416% | 2,984 |
| Net loans and leases to total assets | 76.9677% | 698 |
| Net loans and leases to deposits | 93.7384% | 673 |
| Net loans and leases to core deposits | 99.0551% | 953 |
| Total domestic deposits to total assets | 82.1090% | 3,637 |
| Equity capital to assets | 12.0144% | 1,558 |
| Core capital (leverage) ratio | 11.1274% | 1,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,496,800 | 4,032 |
| Average earning assets | $90,122,600 | 4,025 |
| Average equity | $11,140,200 | 4,061 |
| Average total loans | $78,796,400 | 3,574 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9978% | 607 |
| Cost of funding earning assets | 0.8560% | 1,226 |
| Net interest margin | 4.1418% | 824 |
| Noninterest income to average assets | 1.0853% | 881 |
| Noninterest expense to average assets | 3.1924% | 1,083 |
| Loan and lease loss provision to assets | 0.1777% | 2,210 |
| Net operating income to assets | 1.5535% | 802 |
| Return on assets (ROA) | 1.5632% | 868 |
| Pretax return on assets | 1.5632% | 1,292 |
| Return on Equity (ROE) | 13.8653% | 901 |
| Retained earnings to average equity (ytd only) | 8.9789% | 987 |
| Net charge-offs to loans | 0.0659% | 1,673 |
| Credit loss provision to net charge-offs | 330.7692% | 1,665 |
| Earnings coverage of net charge-offs (x) | 32.2308% | 1,524 |
| Efficiency ratio | 63.5245% | 2,821 |
| Assets per employee ($millions) | 3.9027% | 4,403 |
| Cash dividends to net income (ytd only)* | 35.2423% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 2,479 |
| Loan loss allowance to noncurrent loans | 358.0292% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2808% | 3,042 |
| Noncurrent loans to loans | 0.3445% | 3,051 |
| Net loans and leases to total assets | 80.5037% | 564 |
| Net loans and leases to deposits | 101.9575% | 456 |
| Net loans and leases to core deposits | 107.7849% | 777 |
| Total domestic deposits to total assets | 78.9580% | 4,065 |
| Equity capital to assets | 11.7909% | 1,812 |
| Core capital (leverage) ratio | 10.5707% | 2,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,809,500 | 4,037 |
| Average earning assets | $89,718,000 | 4,028 |
| Average equity | $10,914,250 | 4,094 |
| Average total loans | $78,953,500 | 3,593 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0061% | 818 |
| Cost of funding earning assets | 0.9377% | 1,198 |
| Net interest margin | 4.0684% | 1,180 |
| Noninterest income to average assets | 0.8472% | 1,298 |
| Noninterest expense to average assets | 3.1940% | 1,174 |
| Loan and lease loss provision to assets | 0.2009% | 2,042 |
| Net operating income to assets | 1.2179% | 1,593 |
| Return on assets (ROA) | 1.2324% | 1,661 |
| Pretax return on assets | 1.2324% | 2,246 |
| Return on Equity (ROE) | 11.1032% | 1,597 |
| Retained earnings to average equity (ytd only) | 3.6389% | 3,101 |
| Net charge-offs to loans | 0.0990% | 1,279 |
| Credit loss provision to net charge-offs | 248.7179% | 1,757 |
| Earnings coverage of net charge-offs (x) | 17.5641% | 1,809 |
| Efficiency ratio | 67.8491% | 2,253 |
| Assets per employee ($millions) | 4.1453% | 4,159 |
| Cash dividends to net income (ytd only)* | 67.2269% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 2,721 |
| Loan loss allowance to noncurrent loans | 336.5248% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 3,189 |
| Noncurrent loans to loans | 0.3451% | 3,161 |
| Net loans and leases to total assets | 81.1835% | 479 |
| Net loans and leases to deposits | 103.5302% | 394 |
| Net loans and leases to core deposits | 111.7573% | 676 |
| Total domestic deposits to total assets | 78.4153% | 4,129 |
| Equity capital to assets | 11.0135% | 2,330 |
| Core capital (leverage) ratio | 10.0206% | 2,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,557,000 | 4,043 |
| Average earning assets | $89,371,667 | 4,034 |
| Average equity | $10,717,667 | 4,134 |
| Average total loans | $78,762,667 | 3,600 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2066% | 651 |
| Cost of funding earning assets | 1.0086% | 1,384 |
| Net interest margin | 4.1980% | 930 |
| Noninterest income to average assets | 0.5510% | 2,278 |
| Noninterest expense to average assets | 3.3315% | 1,170 |
| Loan and lease loss provision to assets | 0.2103% | 1,455 |
| Net operating income to assets | 0.8960% | 2,537 |
| Return on assets (ROA) | 0.8960% | 2,636 |
| Pretax return on assets | 0.8960% | 3,148 |
| Return on Equity (ROE) | 8.0393% | 2,505 |
| Retained earnings to average equity (ytd only) | -7.0579% | 4,650 |
| Net charge-offs to loans | 0.2381% | 601 |
| Credit loss provision to net charge-offs | 108.6957% | 1,765 |
| Earnings coverage of net charge-offs (x) | 5.7174% | 2,031 |
| Efficiency ratio | 73.5545% | 1,879 |
| Assets per employee ($millions) | 3.9815% | 3,938 |
| Cash dividends to net income (ytd only)* | 187.7934% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 2,813 |
| Loan loss allowance to noncurrent loans | 371.3693% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2522% | 3,442 |
| Noncurrent loans to loans | 0.3159% | 3,364 |
| Net loans and leases to total assets | 78.9100% | 840 |
| Net loans and leases to deposits | 106.3256% | 283 |
| Net loans and leases to core deposits | 115.2402% | 617 |
| Total domestic deposits to total assets | 74.2154% | 4,645 |
| Equity capital to assets | 10.9934% | 2,861 |
| Core capital (leverage) ratio | 10.0243% | 3,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,092,000 | 4,057 |
| Average earning assets | $88,041,500 | 4,052 |
| Average equity | $10,598,000 | 4,164 |
| Average total loans | $77,286,000 | 3,623 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2879% | 840 |
| Cost of funding earning assets | 1.0910% | 1,361 |
| Net interest margin | 4.1969% | 1,328 |
| Noninterest income to average assets | 0.4625% | 2,942 |
| Noninterest expense to average assets | 3.1011% | 1,753 |
| Loan and lease loss provision to assets | 0.1964% | 1,035 |
| Net operating income to assets | 1.0162% | 2,792 |
| Return on assets (ROA) | 1.0441% | 2,772 |
| Pretax return on assets | 1.0441% | 3,349 |
| Return on Equity (ROE) | 9.4905% | 2,525 |
| Retained earnings to average equity (ytd only) | 5.2476% | 2,289 |
| Net charge-offs to loans | 0.1215% | 1,542 |
| Credit loss provision to net charge-offs | 203.3333% | 1,308 |
| Earnings coverage of net charge-offs (x) | 12.5556% | 2,407 |
| Efficiency ratio | 70.3483% | 2,122 |
| Assets per employee ($millions) | 4.1142% | 3,755 |
| Cash dividends to net income (ytd only)* | 44.7071% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 2,754 |
| Loan loss allowance to noncurrent loans | 306.1856% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 3,198 |
| Noncurrent loans to loans | 0.3718% | 3,110 |
| Net loans and leases to total assets | 81.7758% | 578 |
| Net loans and leases to deposits | 115.2221% | 119 |
| Net loans and leases to core deposits | 124.9023% | 367 |
| Total domestic deposits to total assets | 70.9723% | 4,898 |
| Equity capital to assets | 11.2980% | 2,710 |
| Core capital (leverage) ratio | 10.3531% | 3,131 |
| Tier 1 risk-based capital ratio | 12.3615% | 4,151 |
| Total risk-based capital ratio | 13.5173% | 4,077 |
| Memoranda: | ||
| Average total assets | $93,191,800 | 4,094 |
| Average earning assets | $85,515,600 | 4,104 |
| Average equity | $10,252,400 | 4,207 |
| Average total loans | $74,088,600 | 3,702 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2575% | 938 |
| Cost of funding earning assets | 1.0859% | 1,400 |
| Net interest margin | 4.1716% | 1,444 |
| Noninterest income to average assets | 0.4194% | 3,206 |
| Noninterest expense to average assets | 2.9342% | 2,150 |
| Loan and lease loss provision to assets | 0.1695% | 1,092 |
| Net operating income to assets | 1.1447% | 2,388 |
| Return on assets (ROA) | 1.1705% | 2,385 |
| Pretax return on assets | 1.1705% | 3,071 |
| Return on Equity (ROE) | 10.7135% | 2,134 |
| Retained earnings to average equity (ytd only) | 4.9952% | 2,893 |
| Net charge-offs to loans | 0.0073% | 3,117 |
| Credit loss provision to net charge-offs | 2,950.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 228.8874% | 400 |
| Efficiency ratio | 67.4780% | 2,504 |
| Assets per employee ($millions) | 3.8470% | 4,104 |
| Cash dividends to net income (ytd only)* | 53.3746% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 2,446 |
| Loan loss allowance to noncurrent loans | 233.2481% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.4235% | 2,820 |
| Noncurrent loans to loans | 0.5199% | 2,733 |
| Net loans and leases to total assets | 80.4759% | 783 |
| Net loans and leases to deposits | 112.0442% | 180 |
| Net loans and leases to core deposits | 118.2911% | 586 |
| Total domestic deposits to total assets | 71.8251% | 4,928 |
| Equity capital to assets | 11.4257% | 2,714 |
| Core capital (leverage) ratio | 10.2697% | 3,338 |
| Tier 1 risk-based capital ratio | 12.3214% | 4,247 |
| Total risk-based capital ratio | 13.5223% | 4,153 |
| Memoranda: | ||
| Average total assets | $92,833,000 | 4,149 |
| Average earning assets | $85,208,750 | 4,161 |
| Average equity | $10,142,750 | 4,264 |
| Average total loans | $73,042,500 | 3,761 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1523% | 1,097 |
| Cost of funding earning assets | 1.0563% | 1,469 |
| Net interest margin | 4.0960% | 1,621 |
| Noninterest income to average assets | 0.3011% | 3,917 |
| Noninterest expense to average assets | 2.8967% | 2,290 |
| Loan and lease loss provision to assets | 0.1505% | 1,218 |
| Net operating income to assets | 1.0064% | 2,897 |
| Return on assets (ROA) | 1.0451% | 2,815 |
| Pretax return on assets | 1.0451% | 3,403 |
| Return on Equity (ROE) | 9.7129% | 2,528 |
| Retained earnings to average equity (ytd only) | 1.0193% | 4,429 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8143% | 2,253 |
| Assets per employee ($millions) | 4.1317% | 3,680 |
| Cash dividends to net income (ytd only)* | 89.5062% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 2,648 |
| Loan loss allowance to noncurrent loans | 219.7468% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 2,776 |
| Noncurrent loans to loans | 0.5349% | 2,676 |
| Net loans and leases to total assets | 80.2832% | 841 |
| Net loans and leases to deposits | 108.8091% | 249 |
| Net loans and leases to core deposits | 114.7767% | 740 |
| Total domestic deposits to total assets | 73.7835% | 4,848 |
| Equity capital to assets | 11.2545% | 2,813 |
| Core capital (leverage) ratio | 9.9657% | 3,615 |
| Tier 1 risk-based capital ratio | 12.1292% | 4,345 |
| Total risk-based capital ratio | 13.2974% | 4,276 |
| Memoranda: | ||
| Average total assets | $93,001,670 | 4,175 |
| Average earning assets | $85,205,000 | 4,192 |
| Average equity | $10,007,330 | 4,299 |
| Average total loans | $72,319,000 | 3,793 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0665% | 1,173 |
| Cost of funding earning assets | 1.0273% | 1,457 |
| Net interest margin | 4.0392% | 1,715 |
| Noninterest income to average assets | 0.4125% | 3,094 |
| Noninterest expense to average assets | 2.8494% | 2,418 |
| Loan and lease loss provision to assets | 0.1871% | 878 |
| Net operating income to assets | 1.0547% | 2,645 |
| Return on assets (ROA) | 1.0802% | 2,588 |
| Pretax return on assets | 1.0802% | 3,204 |
| Return on Equity (ROE) | 10.2668% | 2,255 |
| Retained earnings to average equity (ytd only) | -7.3161% | 5,014 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9834% | 2,643 |
| Assets per employee ($millions) | 4.5190% | 3,157 |
| Cash dividends to net income (ytd only)* | 171.2598% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 2,788 |
| Loan loss allowance to noncurrent loans | 272.4919% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 3,294 |
| Noncurrent loans to loans | 0.4262% | 3,061 |
| Net loans and leases to total assets | 75.5111% | 1,562 |
| Net loans and leases to deposits | 99.4794% | 671 |
| Net loans and leases to core deposits | 105.3591% | 1,213 |
| Total domestic deposits to total assets | 75.9062% | 4,770 |
| Equity capital to assets | 10.4341% | 3,393 |
| Core capital (leverage) ratio | 9.3725% | 4,295 |
| Tier 1 risk-based capital ratio | 11.6436% | 4,663 |
| Total risk-based capital ratio | 12.7622% | 4,632 |
| Memoranda: | ||
| Average total assets | $94,054,000 | 4,196 |
| Average earning assets | $85,661,500 | 4,226 |
| Average equity | $9,896,000 | 4,340 |
| Average total loans | $71,557,000 | 3,843 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9882% | 1,070 |
| Cost of funding earning assets | 0.8063% | 1,491 |
| Net interest margin | 4.1820% | 1,443 |
| Noninterest income to average assets | 0.5978% | 2,305 |
| Noninterest expense to average assets | 2.9398% | 2,217 |
| Loan and lease loss provision to assets | 0.2221% | 808 |
| Net operating income to assets | 1.2641% | 1,933 |
| Return on assets (ROA) | 1.2663% | 1,923 |
| Pretax return on assets | 1.2663% | 2,631 |
| Return on Equity (ROE) | 12.0099% | 1,710 |
| Retained earnings to average equity (ytd only) | 8.5526% | 1,028 |
| Net charge-offs to loans | 0.0181% | 3,095 |
| Credit loss provision to net charge-offs | 1,650.0000% | 259 |
| Earnings coverage of net charge-offs (x) | 110.4167% | 689 |
| Efficiency ratio | 64.8505% | 3,053 |
| Assets per employee ($millions) | 4.4385% | 3,257 |
| Cash dividends to net income (ytd only)* | 28.7865% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 2,925 |
| Loan loss allowance to noncurrent loans | 262.5000% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 3,247 |
| Noncurrent loans to loans | 0.4305% | 2,995 |
| Net loans and leases to total assets | 74.9013% | 1,785 |
| Net loans and leases to deposits | 99.3044% | 791 |
| Net loans and leases to core deposits | 106.5423% | 1,226 |
| Total domestic deposits to total assets | 75.4259% | 4,825 |
| Equity capital to assets | 10.6107% | 3,067 |
| Core capital (leverage) ratio | 9.8189% | 3,775 |
| Tier 1 risk-based capital ratio | 12.0568% | 4,394 |
| Total risk-based capital ratio | 13.1342% | 4,391 |
| Memoranda: | ||
| Average total assets | $89,156,200 | 4,284 |
| Average earning assets | $81,611,800 | 4,296 |
| Average equity | $9,400,600 | 4,399 |
| Average total loans | $66,416,200 | 3,954 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9713% | 986 |
| Cost of funding earning assets | 0.7348% | 1,650 |
| Net interest margin | 4.2365% | 1,272 |
| Noninterest income to average assets | 0.6580% | 2,034 |
| Noninterest expense to average assets | 2.9905% | 2,042 |
| Loan and lease loss provision to assets | 0.2390% | 667 |
| Net operating income to assets | 1.3009% | 1,855 |
| Return on assets (ROA) | 1.3054% | 1,840 |
| Pretax return on assets | 1.3054% | 2,608 |
| Return on Equity (ROE) | 12.4015% | 1,636 |
| Retained earnings to average equity (ytd only) | 7.7312% | 1,780 |
| Net charge-offs to loans | 0.0245% | 2,638 |
| Credit loss provision to net charge-offs | 1,316.6667% | 309 |
| Earnings coverage of net charge-offs (x) | 84.8313% | 849 |
| Efficiency ratio | 64.4407% | 3,114 |
| Assets per employee ($millions) | 4.4042% | 3,264 |
| Cash dividends to net income (ytd only)* | 37.6590% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0636% | 3,390 |
| Loan loss allowance to noncurrent loans | 244.5161% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.3352% | 3,335 |
| Noncurrent loans to loans | 0.4350% | 3,100 |
| Net loans and leases to total assets | 76.2350% | 1,628 |
| Net loans and leases to deposits | 99.1465% | 848 |
| Net loans and leases to core deposits | 105.3789% | 1,349 |
| Total domestic deposits to total assets | 76.8913% | 4,659 |
| Equity capital to assets | 10.2336% | 3,415 |
| Core capital (leverage) ratio | 9.6329% | 4,009 |
| Tier 1 risk-based capital ratio | 11.7853% | 4,610 |
| Total risk-based capital ratio | 12.8182% | 4,639 |
| Memoranda: | ||
| Average total assets | $88,143,250 | 4,343 |
| Average earning assets | $80,567,000 | 4,355 |
| Average equity | $9,278,250 | 4,463 |
| Average total loans | $65,367,250 | 4,011 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9541% | 910 |
| Cost of funding earning assets | 0.6616% | 1,862 |
| Net interest margin | 4.2925% | 1,050 |
| Noninterest income to average assets | 0.7821% | 1,529 |
| Noninterest expense to average assets | 3.0244% | 1,981 |
| Loan and lease loss provision to assets | 0.2445% | 633 |
| Net operating income to assets | 1.4349% | 1,329 |
| Return on assets (ROA) | 1.4326% | 1,331 |
| Pretax return on assets | 1.4326% | 2,046 |
| Return on Equity (ROE) | 13.4766% | 1,213 |
| Retained earnings to average equity (ytd only) | 6.4236% | 2,349 |
| Net charge-offs to loans | 0.0379% | 2,096 |
| Credit loss provision to net charge-offs | 883.3333% | 461 |
| Earnings coverage of net charge-offs (x) | 60.6667% | 990 |
| Efficiency ratio | 62.7759% | 3,524 |
| Assets per employee ($millions) | 4.2983% | 3,423 |
| Cash dividends to net income (ytd only)* | 52.3349% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 3,487 |
| Loan loss allowance to noncurrent loans | 228.4790% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3423% | 3,380 |
| Noncurrent loans to loans | 0.4632% | 3,045 |
| Net loans and leases to total assets | 73.1269% | 2,097 |
| Net loans and leases to deposits | 101.7762% | 681 |
| Net loans and leases to core deposits | 104.0299% | 1,396 |
| Total domestic deposits to total assets | 71.8507% | 5,197 |
| Equity capital to assets | 10.3362% | 3,303 |
| Core capital (leverage) ratio | 9.5334% | 4,080 |
| Tier 1 risk-based capital ratio | 11.9302% | 4,538 |
| Total risk-based capital ratio | 12.9340% | 4,578 |
| Memoranda: | ||
| Average total assets | $86,694,670 | 4,401 |
| Average earning assets | $79,207,670 | 4,414 |
| Average equity | $9,216,000 | 4,509 |
| Average total loans | $63,400,670 | 4,085 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8784% | 910 |
| Cost of funding earning assets | 0.5858% | 2,134 |
| Net interest margin | 4.2926% | 963 |
| Noninterest income to average assets | 0.4664% | 3,018 |
| Noninterest expense to average assets | 2.9632% | 2,164 |
| Loan and lease loss provision to assets | 0.2497% | 594 |
| Net operating income to assets | 1.1542% | 2,194 |
| Return on assets (ROA) | 1.1495% | 2,232 |
| Pretax return on assets | 1.1495% | 2,968 |
| Return on Equity (ROE) | 10.6562% | 2,102 |
| Retained earnings to average equity (ytd only) | -3.5375% | 5,117 |
| Net charge-offs to loans | -0.0065% | 4,094 |
| Credit loss provision to net charge-offs | -5,300.0000% | 4,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1273% | 3,137 |
| Assets per employee ($millions) | 4.4201% | 3,293 |
| Cash dividends to net income (ytd only)* | 133.1967% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,661 |
| Loan loss allowance to noncurrent loans | 211.4286% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 3,414 |
| Noncurrent loans to loans | 0.4967% | 3,032 |
| Net loans and leases to total assets | 70.9890% | 2,327 |
| Net loans and leases to deposits | 96.0159% | 1,033 |
| Net loans and leases to core deposits | 97.3323% | 1,877 |
| Total domestic deposits to total assets | 73.9347% | 5,160 |
| Equity capital to assets | 10.1820% | 3,412 |
| Core capital (leverage) ratio | 9.5875% | 3,972 |
| Tier 1 risk-based capital ratio | 11.7853% | 4,693 |
| Total risk-based capital ratio | 12.7667% | 4,747 |
| Memoranda: | ||
| Average total assets | $84,909,500 | 4,476 |
| Average earning assets | $77,156,500 | 4,508 |
| Average equity | $9,159,000 | 4,563 |
| Average total loans | $61,744,000 | 4,160 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7763% | 1,017 |
| Cost of funding earning assets | 0.5062% | 2,277 |
| Net interest margin | 4.2701% | 1,037 |
| Noninterest income to average assets | 0.6649% | 2,116 |
| Noninterest expense to average assets | 3.1704% | 1,677 |
| Loan and lease loss provision to assets | 0.2083% | 960 |
| Net operating income to assets | 1.1492% | 1,681 |
| Return on assets (ROA) | 1.1392% | 1,754 |
| Pretax return on assets | 1.1392% | 3,023 |
| Return on Equity (ROE) | 10.0414% | 1,864 |
| Retained earnings to average equity (ytd only) | 5.8943% | 1,596 |
| Net charge-offs to loans | 0.0036% | 3,976 |
| Credit loss provision to net charge-offs | 8,300.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 541.0000% | 163 |
| Efficiency ratio | 68.3015% | 2,833 |
| Assets per employee ($millions) | 3.7008% | 4,433 |
| Cash dividends to net income (ytd only)* | 41.2996% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 3,819 |
| Loan loss allowance to noncurrent loans | 181.6024% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 3,204 |
| Noncurrent loans to loans | 0.5610% | 2,814 |
| Net loans and leases to total assets | 73.0244% | 2,090 |
| Net loans and leases to deposits | 103.1274% | 540 |
| Net loans and leases to core deposits | 104.2741% | 1,396 |
| Total domestic deposits to total assets | 70.8099% | 5,377 |
| Equity capital to assets | 11.4434% | 2,241 |
| Core capital (leverage) ratio | 10.2037% | 3,185 |
| Tier 1 risk-based capital ratio | 12.8427% | 4,007 |
| Total risk-based capital ratio | 13.8091% | 4,069 |
| Memoranda: | ||
| Average total assets | $79,705,600 | 4,597 |
| Average earning assets | $72,105,800 | 4,618 |
| Average equity | $9,042,600 | 4,608 |
| Average total loans | $55,253,000 | 4,318 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7583% | 1,009 |
| Cost of funding earning assets | 0.4829% | 2,408 |
| Net interest margin | 4.2754% | 986 |
| Noninterest income to average assets | 0.7333% | 1,858 |
| Noninterest expense to average assets | 3.1837% | 1,594 |
| Loan and lease loss provision to assets | 0.1934% | 994 |
| Net operating income to assets | 1.2126% | 1,641 |
| Return on assets (ROA) | 1.2075% | 1,693 |
| Pretax return on assets | 1.2075% | 2,872 |
| Return on Equity (ROE) | 10.6676% | 1,834 |
| Retained earnings to average equity (ytd only) | 5.0961% | 2,811 |
| Net charge-offs to loans | 0.0049% | 3,556 |
| Credit loss provision to net charge-offs | 5,750.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 417.4682% | 232 |
| Efficiency ratio | 67.6438% | 2,936 |
| Assets per employee ($millions) | 3.9037% | 4,153 |
| Cash dividends to net income (ytd only)* | 52.2286% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 4,137 |
| Loan loss allowance to noncurrent loans | 164.0351% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 3,356 |
| Noncurrent loans to loans | 0.6016% | 2,902 |
| Net loans and leases to total assets | 68.6619% | 2,751 |
| Net loans and leases to deposits | 88.9575% | 1,929 |
| Net loans and leases to core deposits | 90.2223% | 2,591 |
| Total domestic deposits to total assets | 77.1851% | 4,850 |
| Equity capital to assets | 11.3532% | 2,520 |
| Core capital (leverage) ratio | 10.0965% | 3,446 |
| Tier 1 risk-based capital ratio | 12.8890% | 4,090 |
| Total risk-based capital ratio | 13.8007% | 4,195 |
| Memoranda: | ||
| Average total assets | $79,277,500 | 4,648 |
| Average earning assets | $71,508,500 | 4,684 |
| Average equity | $8,974,000 | 4,663 |
| Average total loans | $54,049,500 | 4,395 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 892 |
| Cost of funding earning assets | 0.4768% | 2,358 |
| Net interest margin | 4.3057% | 843 |
| Noninterest income to average assets | 0.7834% | 1,629 |
| Noninterest expense to average assets | 3.1642% | 1,672 |
| Loan and lease loss provision to assets | 0.1378% | 1,501 |
| Net operating income to assets | 1.3754% | 1,118 |
| Return on assets (ROA) | 1.3754% | 1,144 |
| Pretax return on assets | 1.3754% | 2,115 |
| Return on Equity (ROE) | 12.1629% | 1,255 |
| Retained earnings to average equity (ytd only) | 3.7008% | 3,495 |
| Net charge-offs to loans | 0.0038% | 3,362 |
| Credit loss provision to net charge-offs | 5,400.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 593.0000% | 133 |
| Efficiency ratio | 65.9574% | 3,361 |
| Assets per employee ($millions) | 3.8690% | 4,173 |
| Cash dividends to net income (ytd only)* | 69.5733% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 4,610 |
| Loan loss allowance to noncurrent loans | 126.8354% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 3,147 |
| Noncurrent loans to loans | 0.7154% | 2,602 |
| Net loans and leases to total assets | 67.3383% | 2,898 |
| Net loans and leases to deposits | 83.1095% | 2,587 |
| Net loans and leases to core deposits | 84.2433% | 3,039 |
| Total domestic deposits to total assets | 81.0235% | 4,176 |
| Equity capital to assets | 11.2840% | 2,512 |
| Core capital (leverage) ratio | 8.7584% | 4,995 |
| Tier 1 risk-based capital ratio | 12.9646% | 4,017 |
| Total risk-based capital ratio | 13.8038% | 4,174 |
| Memoranda: | ||
| Average total assets | $78,377,670 | 4,697 |
| Average earning assets | $70,882,670 | 4,730 |
| Average equity | $8,863,000 | 4,703 |
| Average total loans | $53,116,670 | 4,444 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7251% | 891 |
| Cost of funding earning assets | 0.4159% | 2,850 |
| Net interest margin | 4.3092% | 766 |
| Noninterest income to average assets | 0.6498% | 2,180 |
| Noninterest expense to average assets | 3.1764% | 1,677 |
| Loan and lease loss provision to assets | 0.1092% | 1,753 |
| Net operating income to assets | 1.2425% | 1,401 |
| Return on assets (ROA) | 1.2425% | 1,437 |
| Pretax return on assets | 1.2425% | 2,440 |
| Return on Equity (ROE) | 10.9753% | 1,579 |
| Retained earnings to average equity (ytd only) | -6.2453% | 5,452 |
| Net charge-offs to loans | 0.0077% | 2,703 |
| Credit loss provision to net charge-offs | 2,100.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 260.0000% | 225 |
| Efficiency ratio | 68.3123% | 3,146 |
| Assets per employee ($millions) | 4.0234% | 3,974 |
| Cash dividends to net income (ytd only)* | 156.9038% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 4,782 |
| Loan loss allowance to noncurrent loans | 117.2932% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.4959% | 3,243 |
| Noncurrent loans to loans | 0.7613% | 2,576 |
| Net loans and leases to total assets | 64.5507% | 3,192 |
| Net loans and leases to deposits | 81.6570% | 2,550 |
| Net loans and leases to core deposits | 82.8091% | 3,011 |
| Total domestic deposits to total assets | 79.0510% | 4,812 |
| Equity capital to assets | 10.7560% | 2,903 |
| Core capital (leverage) ratio | 9.6704% | 3,901 |
| Tier 1 risk-based capital ratio | 13.1375% | 4,005 |
| Total risk-based capital ratio | 13.9653% | 4,150 |
| Memoranda: | ||
| Average total assets | $76,942,500 | 4,770 |
| Average earning assets | $69,246,500 | 4,805 |
| Average equity | $8,710,500 | 4,767 |
| Average total loans | $52,069,000 | 4,504 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8528% | 800 |
| Cost of funding earning assets | 0.4222% | 2,787 |
| Net interest margin | 4.4306% | 722 |
| Noninterest income to average assets | 0.5079% | 3,187 |
| Noninterest expense to average assets | 3.2763% | 1,630 |
| Loan and lease loss provision to assets | 0.1887% | 1,245 |
| Net operating income to assets | 1.0301% | 2,229 |
| Return on assets (ROA) | 1.0301% | 2,324 |
| Pretax return on assets | 1.0301% | 3,366 |
| Return on Equity (ROE) | 9.1780% | 2,329 |
| Retained earnings to average equity (ytd only) | 5.1475% | 2,242 |
| Net charge-offs to loans | 0.0247% | 3,552 |
| Credit loss provision to net charge-offs | 1,123.0769% | 351 |
| Earnings coverage of net charge-offs (x) | 72.5385% | 771 |
| Efficiency ratio | 71.1041% | 2,726 |
| Assets per employee ($millions) | 3.8641% | 4,203 |
| Cash dividends to net income (ytd only)* | 43.9147% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8661% | 4,911 |
| Loan loss allowance to noncurrent loans | 103.9443% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 2,971 |
| Noncurrent loans to loans | 0.8332% | 2,440 |
| Net loans and leases to total assets | 69.8466% | 2,503 |
| Net loans and leases to deposits | 92.4797% | 1,375 |
| Net loans and leases to core deposits | 93.9779% | 2,112 |
| Total domestic deposits to total assets | 75.5264% | 5,295 |
| Equity capital to assets | 11.9399% | 1,851 |
| Core capital (leverage) ratio | 10.4168% | 2,968 |
| Tier 1 risk-based capital ratio | 14.1575% | 3,374 |
| Total risk-based capital ratio | 14.9884% | 3,521 |
| Memoranda: | ||
| Average total assets | $77,374,200 | 4,781 |
| Average earning assets | $69,629,400 | 4,813 |
| Average equity | $8,683,800 | 4,805 |
| Average total loans | $52,737,800 | 4,497 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8617% | 789 |
| Cost of funding earning assets | 0.4335% | 2,700 |
| Net interest margin | 4.4282% | 736 |
| Noninterest income to average assets | 0.4373% | 3,650 |
| Noninterest expense to average assets | 3.2480% | 1,688 |
| Loan and lease loss provision to assets | 0.2042% | 1,036 |
| Net operating income to assets | 0.9647% | 2,592 |
| Return on assets (ROA) | 0.9647% | 2,727 |
| Pretax return on assets | 0.9647% | 3,761 |
| Return on Equity (ROE) | 8.7263% | 2,642 |
| Retained earnings to average equity (ytd only) | 3.3397% | 3,895 |
| Net charge-offs to loans | 0.0327% | 2,992 |
| Credit loss provision to net charge-offs | 923.0769% | 441 |
| Earnings coverage of net charge-offs (x) | 52.8552% | 1,034 |
| Efficiency ratio | 71.7257% | 2,615 |
| Assets per employee ($millions) | 4.0997% | 3,788 |
| Cash dividends to net income (ytd only)* | 61.7291% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7811% | 5,243 |
| Loan loss allowance to noncurrent loans | 95.9091% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 0.6047% | 3,092 |
| Noncurrent loans to loans | 0.8144% | 2,634 |
| Net loans and leases to total assets | 68.8144% | 2,681 |
| Net loans and leases to deposits | 95.5065% | 1,097 |
| Net loans and leases to core deposits | 97.0331% | 1,900 |
| Total domestic deposits to total assets | 72.0521% | 5,594 |
| Equity capital to assets | 11.4937% | 2,520 |
| Core capital (leverage) ratio | 9.5782% | 4,086 |
| Tier 1 risk-based capital ratio | 12.9000% | 4,222 |
| Total risk-based capital ratio | 13.6364% | 4,445 |
| Memoranda: | ||
| Average total assets | $78,363,250 | 4,798 |
| Average earning assets | $70,426,000 | 4,835 |
| Average equity | $8,663,250 | 4,860 |
| Average total loans | $52,990,250 | 4,526 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8276% | 837 |
| Cost of funding earning assets | 0.4235% | 2,797 |
| Net interest margin | 4.4041% | 762 |
| Noninterest income to average assets | 0.3617% | 4,175 |
| Noninterest expense to average assets | 3.2731% | 1,644 |
| Loan and lease loss provision to assets | 0.1987% | 1,087 |
| Net operating income to assets | 0.8635% | 3,033 |
| Return on assets (ROA) | 0.8635% | 3,149 |
| Pretax return on assets | 0.8635% | 4,071 |
| Return on Equity (ROE) | 7.9144% | 3,023 |
| Retained earnings to average equity (ytd only) | -0.2568% | 5,333 |
| Net charge-offs to loans | 0.0494% | 2,497 |
| Credit loss provision to net charge-offs | 600.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 32.0769% | 1,349 |
| Efficiency ratio | 73.6780% | 2,408 |
| Assets per employee ($millions) | 4.1829% | 3,597 |
| Cash dividends to net income (ytd only)* | 103.2448% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 5,531 |
| Loan loss allowance to noncurrent loans | 85.5856% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 0.6920% | 2,910 |
| Noncurrent loans to loans | 0.8141% | 2,708 |
| Net loans and leases to total assets | 68.1438% | 2,756 |
| Net loans and leases to deposits | 89.9963% | 1,759 |
| Net loans and leases to core deposits | 91.3365% | 2,401 |
| Total domestic deposits to total assets | 75.7185% | 5,320 |
| Equity capital to assets | 11.0398% | 3,020 |
| Core capital (leverage) ratio | 9.0025% | 4,826 |
| Tier 1 risk-based capital ratio | 12.1852% | 4,708 |
| Total risk-based capital ratio | 12.8323% | 4,996 |
| Memoranda: | ||
| Average total assets | $78,519,330 | 4,850 |
| Average earning assets | $70,842,670 | 4,863 |
| Average equity | $8,566,670 | 4,908 |
| Average total loans | $52,645,330 | 4,565 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7006% | 1,049 |
| Cost of funding earning assets | 0.3751% | 3,352 |
| Net interest margin | 4.3255% | 878 |
| Noninterest income to average assets | 0.3178% | 4,455 |
| Noninterest expense to average assets | 3.3521% | 1,481 |
| Loan and lease loss provision to assets | 0.1640% | 1,262 |
| Net operating income to assets | 0.7022% | 3,699 |
| Return on assets (ROA) | 0.7022% | 3,815 |
| Pretax return on assets | 0.7022% | 4,522 |
| Return on Equity (ROE) | 6.4752% | 3,740 |
| Retained earnings to average equity (ytd only) | -10.0674% | 5,804 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6428% | 1,951 |
| Assets per employee ($millions) | 3.7096% | 4,449 |
| Cash dividends to net income (ytd only)* | 255.4745% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6560% | 5,670 |
| Loan loss allowance to noncurrent loans | 60.5585% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 0.8320% | 2,610 |
| Noncurrent loans to loans | 1.0832% | 2,228 |
| Net loans and leases to total assets | 64.3913% | 3,190 |
| Net loans and leases to deposits | 82.6690% | 2,470 |
| Net loans and leases to core deposits | 83.8321% | 2,954 |
| Total domestic deposits to total assets | 77.8905% | 5,166 |
| Equity capital to assets | 10.3073% | 3,734 |
| Core capital (leverage) ratio | 8.8723% | 4,995 |
| Tier 1 risk-based capital ratio | 11.8224% | 5,036 |
| Total risk-based capital ratio | 12.4132% | 5,327 |
| Memoranda: | ||
| Average total assets | $78,041,000 | 4,897 |
| Average earning assets | $70,373,500 | 4,917 |
| Average equity | $8,463,000 | 4,959 |
| Average total loans | $51,699,000 | 4,624 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7461% | 1,017 |
| Cost of funding earning assets | 0.3123% | 4,110 |
| Net interest margin | 4.4338% | 743 |
| Noninterest income to average assets | 0.6039% | 2,697 |
| Noninterest expense to average assets | 3.0304% | 2,443 |
| Loan and lease loss provision to assets | 0.2673% | 693 |
| Net operating income to assets | 1.2173% | 1,489 |
| Return on assets (ROA) | 1.2322% | 1,502 |
| Pretax return on assets | 1.2322% | 2,534 |
| Return on Equity (ROE) | 11.1490% | 1,564 |
| Retained earnings to average equity (ytd only) | 7.0971% | 1,241 |
| Net charge-offs to loans | 0.0570% | 3,082 |
| Credit loss provision to net charge-offs | 757.6923% | 438 |
| Earnings coverage of net charge-offs (x) | 42.0769% | 1,131 |
| Efficiency ratio | 65.2540% | 4,035 |
| Assets per employee ($millions) | 3.3850% | 5,007 |
| Cash dividends to net income (ytd only)* | 36.3436% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6238% | 5,768 |
| Loan loss allowance to noncurrent loans | 52.5876% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 1.1884% | 1,826 |
| Noncurrent loans to loans | 1.1861% | 1,986 |
| Net loans and leases to total assets | 67.3896% | 2,801 |
| Net loans and leases to deposits | 86.4484% | 2,068 |
| Net loans and leases to core deposits | 87.7821% | 2,622 |
| Total domestic deposits to total assets | 77.9535% | 5,175 |
| Equity capital to assets | 11.4328% | 2,413 |
| Core capital (leverage) ratio | 9.9568% | 3,568 |
| Tier 1 risk-based capital ratio | 12.7437% | 4,483 |
| Total risk-based capital ratio | 13.2979% | 4,822 |
| Memoranda: | ||
| Average total assets | $73,687,200 | 4,999 |
| Average earning assets | $65,001,400 | 5,061 |
| Average equity | $8,144,200 | 5,033 |
| Average total loans | $45,600,200 | 4,811 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6588% | 1,186 |
| Cost of funding earning assets | 0.3087% | 4,242 |
| Net interest margin | 4.3502% | 873 |
| Noninterest income to average assets | 0.6314% | 2,577 |
| Noninterest expense to average assets | 3.0642% | 2,318 |
| Loan and lease loss provision to assets | 0.2449% | 714 |
| Net operating income to assets | 1.1321% | 1,889 |
| Return on assets (ROA) | 1.1520% | 1,888 |
| Pretax return on assets | 1.1520% | 3,007 |
| Return on Equity (ROE) | 10.5151% | 1,895 |
| Retained earnings to average equity (ytd only) | 5.0506% | 2,877 |
| Net charge-offs to loans | 0.0691% | 2,574 |
| Credit loss provision to net charge-offs | 586.9565% | 579 |
| Earnings coverage of net charge-offs (x) | 32.9954% | 1,406 |
| Efficiency ratio | 67.0752% | 3,693 |
| Assets per employee ($millions) | 3.4365% | 4,913 |
| Cash dividends to net income (ytd only)* | 51.9683% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5495% | 5,967 |
| Loan loss allowance to noncurrent loans | 41.2238% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 2.1494% | 908 |
| Noncurrent loans to loans | 1.3328% | 1,918 |
| Net loans and leases to total assets | 61.2878% | 3,695 |
| Net loans and leases to deposits | 75.9420% | 3,310 |
| Net loans and leases to core deposits | 76.7356% | 3,718 |
| Total domestic deposits to total assets | 80.7034% | 4,547 |
| Equity capital to assets | 10.9994% | 3,030 |
| Core capital (leverage) ratio | 9.4964% | 4,307 |
| Tier 1 risk-based capital ratio | 13.1826% | 4,334 |
| Total risk-based capital ratio | 13.6673% | 4,724 |
| Memoranda: | ||
| Average total assets | $73,491,500 | 5,063 |
| Average earning assets | $64,363,750 | 5,141 |
| Average equity | $8,051,750 | 5,118 |
| Average total loans | $44,375,250 | 4,901 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6136% | 1,250 |
| Cost of funding earning assets | 0.3057% | 4,336 |
| Net interest margin | 4.3079% | 903 |
| Noninterest income to average assets | 0.6457% | 2,498 |
| Noninterest expense to average assets | 3.0445% | 2,415 |
| Loan and lease loss provision to assets | 0.2748% | 599 |
| Net operating income to assets | 1.1211% | 1,872 |
| Return on assets (ROA) | 1.1486% | 1,853 |
| Pretax return on assets | 1.1486% | 2,974 |
| Return on Equity (ROE) | 10.4977% | 1,852 |
| Retained earnings to average equity (ytd only) | 2.2100% | 4,610 |
| Net charge-offs to loans | 0.1008% | 1,999 |
| Credit loss provision to net charge-offs | 454.5455% | 670 |
| Earnings coverage of net charge-offs (x) | 23.0909% | 1,617 |
| Efficiency ratio | 66.6460% | 3,890 |
| Assets per employee ($millions) | 3.3495% | 5,074 |
| Cash dividends to net income (ytd only)* | 78.9474% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4847% | 6,101 |
| Loan loss allowance to noncurrent loans | 35.1266% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 2.0518% | 1,060 |
| Noncurrent loans to loans | 1.3800% | 1,958 |
| Net loans and leases to total assets | 61.8483% | 3,570 |
| Net loans and leases to deposits | 75.1558% | 3,368 |
| Net loans and leases to core deposits | 75.9461% | 3,777 |
| Total domestic deposits to total assets | 82.2934% | 4,193 |
| Equity capital to assets | 10.7613% | 3,152 |
| Core capital (leverage) ratio | 9.2147% | 4,669 |
| Tier 1 risk-based capital ratio | 13.0128% | 4,514 |
| Total risk-based capital ratio | 13.4415% | 4,904 |
| Memoranda: | ||
| Average total assets | $72,787,330 | 5,134 |
| Average earning assets | $64,114,330 | 5,198 |
| Average equity | $7,963,670 | 5,174 |
| Average total loans | $43,636,330 | 4,963 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5654% | 1,301 |
| Cost of funding earning assets | 0.3077% | 4,356 |
| Net interest margin | 4.2577% | 964 |
| Noninterest income to average assets | 0.7299% | 2,024 |
| Noninterest expense to average assets | 3.0856% | 2,316 |
| Loan and lease loss provision to assets | 0.3041% | 474 |
| Net operating income to assets | 1.0894% | 1,904 |
| Return on assets (ROA) | 1.0894% | 2,019 |
| Pretax return on assets | 1.0894% | 3,128 |
| Return on Equity (ROE) | 9.8741% | 2,063 |
| Retained earnings to average equity (ytd only) | -6.6662% | 6,022 |
| Net charge-offs to loans | 0.2350% | 1,013 |
| Credit loss provision to net charge-offs | 220.0000% | 989 |
| Earnings coverage of net charge-offs (x) | 10.0800% | 1,957 |
| Efficiency ratio | 66.9136% | 4,001 |
| Assets per employee ($millions) | 3.3245% | 5,201 |
| Cash dividends to net income (ytd only)* | 167.5127% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4012% | 6,239 |
| Loan loss allowance to noncurrent loans | 27.0607% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 2.0823% | 1,116 |
| Noncurrent loans to loans | 1.4826% | 1,909 |
| Net loans and leases to total assets | 59.0593% | 3,787 |
| Net loans and leases to deposits | 66.3992% | 4,112 |
| Net loans and leases to core deposits | 67.3139% | 4,401 |
| Total domestic deposits to total assets | 88.9459% | 1,306 |
| Equity capital to assets | 10.9243% | 3,058 |
| Core capital (leverage) ratio | 8.8945% | 5,079 |
| Tier 1 risk-based capital ratio | 12.9429% | 4,635 |
| Total risk-based capital ratio | 13.2887% | 5,113 |
| Memoranda: | ||
| Average total assets | $72,336,000 | 5,187 |
| Average earning assets | $63,696,500 | 5,255 |
| Average equity | $7,980,500 | 5,215 |
| Average total loans | $42,555,500 | 5,047 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4608% | 2,030 |
| Cost of funding earning assets | 0.3764% | 3,950 |
| Net interest margin | 4.0844% | 1,631 |
| Noninterest income to average assets | 0.6948% | 2,328 |
| Noninterest expense to average assets | 2.9669% | 2,944 |
| Loan and lease loss provision to assets | 0.1975% | 1,290 |
| Net operating income to assets | 1.1216% | 1,896 |
| Return on assets (ROA) | 1.1395% | 1,883 |
| Pretax return on assets | 1.1451% | 2,897 |
| Return on Equity (ROE) | 11.2548% | 1,635 |
| Retained earnings to average equity (ytd only) | 10.0952% | 504 |
| Net charge-offs to loans | 0.0239% | 4,358 |
| Credit loss provision to net charge-offs | 1,588.8889% | 184 |
| Earnings coverage of net charge-offs (x) | 106.5556% | 491 |
| Efficiency ratio | 67.1387% | 4,036 |
| Assets per employee ($millions) | 3.4063% | 5,046 |
| Cash dividends to net income (ytd only)* | 10.3030% | 4,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3450% | 6,356 |
| Loan loss allowance to noncurrent loans | 21.9847% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 2.2647% | 1,064 |
| Noncurrent loans to loans | 1.5692% | 1,863 |
| Net loans and leases to total assets | 58.1516% | 4,028 |
| Net loans and leases to deposits | 72.3930% | 3,631 |
| Net loans and leases to core deposits | 73.5228% | 3,963 |
| Total domestic deposits to total assets | 80.3277% | 4,934 |
| Equity capital to assets | 11.1433% | 2,759 |
| Core capital (leverage) ratio | 9.0315% | 4,949 |
| Tier 1 risk-based capital ratio | 13.0515% | 4,697 |
| Total risk-based capital ratio | 13.3489% | 5,204 |
| Memoranda: | ||
| Average total assets | $72,398,000 | 5,221 |
| Average earning assets | $63,754,800 | 5,285 |
| Average equity | $7,330,200 | 5,342 |
| Average total loans | $37,634,600 | 5,273 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4010% | 2,214 |
| Cost of funding earning assets | 0.4058% | 3,717 |
| Net interest margin | 3.9953% | 1,893 |
| Noninterest income to average assets | 0.7143% | 2,262 |
| Noninterest expense to average assets | 2.9139% | 3,074 |
| Loan and lease loss provision to assets | 0.1469% | 1,707 |
| Net operating income to assets | 1.1717% | 1,785 |
| Return on assets (ROA) | 1.1953% | 1,765 |
| Pretax return on assets | 1.2027% | 2,770 |
| Return on Equity (ROE) | 12.1057% | 1,456 |
| Retained earnings to average equity (ytd only) | 10.5251% | 586 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7388% | 4,089 |
| Assets per employee ($millions) | 3.3411% | 5,162 |
| Cash dividends to net income (ytd only)* | 13.0568% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2242% | 6,486 |
| Loan loss allowance to noncurrent loans | 13.4933% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 2.3901% | 1,134 |
| Noncurrent loans to loans | 1.6615% | 1,963 |
| Net loans and leases to total assets | 57.0885% | 4,189 |
| Net loans and leases to deposits | 66.5863% | 4,272 |
| Net loans and leases to core deposits | 67.5783% | 4,548 |
| Total domestic deposits to total assets | 85.7361% | 2,988 |
| Equity capital to assets | 10.8932% | 3,076 |
| Core capital (leverage) ratio | 8.4421% | 5,714 |
| Tier 1 risk-based capital ratio | 13.0013% | 4,864 |
| Total risk-based capital ratio | 13.1922% | 5,443 |
| Memoranda: | ||
| Average total assets | $72,614,500 | 5,275 |
| Average earning assets | $64,074,250 | 5,331 |
| Average equity | $7,170,000 | 5,429 |
| Average total loans | $36,608,000 | 5,359 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3243% | 2,501 |
| Cost of funding earning assets | 0.4324% | 3,522 |
| Net interest margin | 3.8918% | 2,206 |
| Noninterest income to average assets | 0.7435% | 2,075 |
| Noninterest expense to average assets | 2.8598% | 3,315 |
| Loan and lease loss provision to assets | 0.1226% | 2,005 |
| Net operating income to assets | 1.1824% | 1,647 |
| Return on assets (ROA) | 1.2175% | 1,599 |
| Pretax return on assets | 1.2284% | 2,540 |
| Return on Equity (ROE) | 12.7490% | 1,243 |
| Retained earnings to average equity (ytd only) | 10.3247% | 644 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4710% | 4,289 |
| Assets per employee ($millions) | 3.3298% | 5,202 |
| Cash dividends to net income (ytd only)* | 19.0157% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1437% | 6,579 |
| Loan loss allowance to noncurrent loans | 8.0175% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 2.3152% | 1,274 |
| Noncurrent loans to loans | 1.7928% | 1,919 |
| Net loans and leases to total assets | 52.1582% | 4,732 |
| Net loans and leases to deposits | 58.1736% | 5,030 |
| Net loans and leases to core deposits | 58.9654% | 5,208 |
| Total domestic deposits to total assets | 89.6596% | 988 |
| Equity capital to assets | 10.1193% | 3,947 |
| Core capital (leverage) ratio | 7.8117% | 6,203 |
| Tier 1 risk-based capital ratio | 12.3988% | 5,300 |
| Total risk-based capital ratio | 12.5142% | 5,869 |
| Memoranda: | ||
| Average total assets | $73,431,670 | 5,301 |
| Average earning assets | $64,751,000 | 5,363 |
| Average equity | $7,012,330 | 5,489 |
| Average total loans | $35,429,000 | 5,442 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2802% | 2,593 |
| Cost of funding earning assets | 0.4599% | 3,312 |
| Net interest margin | 3.8203% | 2,384 |
| Noninterest income to average assets | 0.3591% | 4,516 |
| Noninterest expense to average assets | 2.8129% | 3,517 |
| Loan and lease loss provision to assets | 0.1088% | 2,122 |
| Net operating income to assets | 0.8270% | 3,023 |
| Return on assets (ROA) | 0.8270% | 3,092 |
| Pretax return on assets | 0.8270% | 3,992 |
| Return on Equity (ROE) | 8.9254% | 2,497 |
| Retained earnings to average equity (ytd only) | 5.4022% | 2,851 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8592% | 3,329 |
| Assets per employee ($millions) | 3.6900% | 4,538 |
| Cash dividends to net income (ytd only)* | 39.4737% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0875% | 6,655 |
| Loan loss allowance to noncurrent loans | 4.2980% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 2.1040% | 1,591 |
| Noncurrent loans to loans | 2.0361% | 1,825 |
| Net loans and leases to total assets | 42.1927% | 5,653 |
| Net loans and leases to deposits | 46.2396% | 5,835 |
| Net loans and leases to core deposits | 46.7968% | 5,947 |
| Total domestic deposits to total assets | 91.2478% | 467 |
| Equity capital to assets | 8.5859% | 5,565 |
| Core capital (leverage) ratio | 7.8386% | 6,207 |
| Tier 1 risk-based capital ratio | 11.8359% | 5,739 |
| Total risk-based capital ratio | 11.8990% | 6,255 |
| Memoranda: | ||
| Average total assets | $73,519,500 | 5,348 |
| Average earning assets | $65,230,000 | 5,399 |
| Average equity | $6,812,000 | 5,564 |
| Average total loans | $34,011,500 | 5,542 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8751% | 6,721 |
| Cost of funding earning assets | 0.1832% | 6,375 |
| Net interest margin | 1.6919% | 6,704 |
| Noninterest income to average assets | 0.1563% | 6,152 |
| Noninterest expense to average assets | 1.3297% | 6,670 |
| Loan and lease loss provision to assets | 0.0153% | 4,819 |
| Net operating income to assets | 0.3110% | 5,485 |
| Return on assets (ROA) | 0.2528% | 5,754 |
| Pretax return on assets | 0.2528% | 5,842 |
| Return on Equity (ROE) | 2.9460% | 5,531 |
| Retained earnings to average equity (ytd only) | 2.4104% | 4,531 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8908% | 2,492 |
| Assets per employee ($millions) | 2.9936% | 5,845 |
| Cash dividends to net income (ytd only)* | 18.1818% | 3,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0296% | 6,743 |
| Loan loss allowance to noncurrent loans | 1.4065% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 1.7112% | 2,153 |
| Noncurrent loans to loans | 2.1072% | 1,877 |
| Net loans and leases to total assets | 51.2170% | 4,949 |
| Net loans and leases to deposits | 57.0445% | 5,205 |
| Net loans and leases to core deposits | 57.9073% | 5,401 |
| Total domestic deposits to total assets | 89.7842% | 1,191 |
| Equity capital to assets | 10.1034% | 3,634 |
| Core capital (leverage) ratio | 8.7012% | 5,414 |
| Tier 1 risk-based capital ratio | 12.4529% | 5,314 |
| Total risk-based capital ratio | 12.4755% | 6,009 |
| Memoranda: | ||
| Average total assets | $65,279,600 | 5,612 |
| Average earning assets | $57,865,000 | 5,657 |
| Average equity | $5,600,800 | 5,905 |
| Average total loans | $32,746,600 | 5,632 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9952% | 6,857 |
| Cost of funding earning assets | 0.0968% | 6,772 |
| Net interest margin | 0.8984% | 6,851 |
| Noninterest income to average assets | 0.1105% | 6,449 |
| Noninterest expense to average assets | 0.7574% | 6,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1515% | 6,034 |
| Return on assets (ROA) | 0.1515% | 6,102 |
| Pretax return on assets | 0.1515% | 6,130 |
| Return on Equity (ROE) | 1.8484% | 5,989 |
| Retained earnings to average equity (ytd only) | 1.8484% | 5,213 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8559% | 1,987 |
| Assets per employee ($millions) | 3.0499% | 5,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,828 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 1.7893% | 2,290 |
| Noncurrent loans to loans | 2.1849% | 2,027 |
| Net loans and leases to total assets | 52.1664% | 4,858 |
| Net loans and leases to deposits | 58.5737% | 5,127 |
| Net loans and leases to core deposits | 59.4915% | 5,343 |
| Total domestic deposits to total assets | 89.0612% | 1,526 |
| Equity capital to assets | 10.6313% | 3,127 |
| Core capital (leverage) ratio | 8.5122% | 5,756 |
| Tier 1 risk-based capital ratio | 12.8480% | 5,228 |
| Total risk-based capital ratio | 12.8480% | 5,976 |
| Memoranda: | ||
| Average total assets | $65,134,750 | 5,678 |
| Average earning assets | $57,878,250 | 5,719 |
| Average equity | $5,337,500 | 6,052 |
| Average total loans | $32,498,000 | 5,702 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 4,246 |
| Cost of funding earning assets | 0.5280% | 3,628 |
| Net interest margin | 3.4357% | 4,058 |
| Noninterest income to average assets | 0.9497% | 1,656 |
| Noninterest expense to average assets | 3.2398% | 2,236 |
| Loan and lease loss provision to assets | 0.0305% | 4,321 |
| Net operating income to assets | 0.7390% | 3,620 |
| Return on assets (ROA) | 0.7390% | 3,779 |
| Pretax return on assets | 0.7390% | 4,544 |
| Return on Equity (ROE) | 9.9856% | 2,203 |
| Retained earnings to average equity (ytd only) | 9.1603% | 1,070 |
| Net charge-offs to loans | -0.2236% | 6,694 |
| Credit loss provision to net charge-offs | -27.7778% | 5,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8073% | 2,045 |
| Assets per employee ($millions) | 2.8758% | 6,059 |
| Cash dividends to net income (ytd only)* | 8.2645% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5862% | 3,205 |
| Loan loss allowance to noncurrent loans | 71.0027% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.7447% | 2,500 |
| Noncurrent loans to loans | 2.2340% | 2,131 |
| Net loans and leases to total assets | 49.1526% | 5,205 |
| Net loans and leases to deposits | 53.1364% | 5,595 |
| Net loans and leases to core deposits | 53.6884% | 5,774 |
| Total domestic deposits to total assets | 92.5026% | 182 |
| Equity capital to assets | 7.1149% | 6,573 |
| Core capital (leverage) ratio | 7.4569% | 6,473 |
| Tier 1 risk-based capital ratio | 11.7939% | 5,917 |
| Total risk-based capital ratio | 13.0100% | 5,902 |
| Memoranda: | ||
| Average total assets | $65,497,330 | 5,709 |
| Average earning assets | $58,329,330 | 5,745 |
| Average equity | $4,847,000 | 6,229 |
| Average total loans | $32,193,670 | 5,747 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9391% | 4,333 |
| Cost of funding earning assets | 0.5549% | 3,522 |
| Net interest margin | 3.3842% | 4,180 |
| Noninterest income to average assets | 0.5278% | 3,587 |
| Noninterest expense to average assets | 3.3265% | 2,019 |
| Loan and lease loss provision to assets | 0.0614% | 3,613 |
| Net operating income to assets | 0.1718% | 5,976 |
| Return on assets (ROA) | 0.1718% | 6,077 |
| Pretax return on assets | 0.1718% | 6,130 |
| Return on Equity (ROE) | 2.2776% | 5,851 |
| Retained earnings to average equity (ytd only) | 0.6507% | 5,568 |
| Net charge-offs to loans | -0.4154% | 6,826 |
| Credit loss provision to net charge-offs | -30.3030% | 5,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4483% | 879 |
| Assets per employee ($millions) | 2.9436% | 6,083 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6053% | 3,380 |
| Loan loss allowance to noncurrent loans | 68.6430% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 1.7355% | 2,686 |
| Noncurrent loans to loans | 2.3387% | 2,235 |
| Net loans and leases to total assets | 47.1663% | 5,315 |
| Net loans and leases to deposits | 51.0373% | 5,707 |
| Net loans and leases to core deposits | 51.5556% | 5,857 |
| Total domestic deposits to total assets | 92.4154% | 186 |
| Equity capital to assets | 7.2464% | 6,662 |
| Core capital (leverage) ratio | 7.1572% | 6,593 |
| Tier 1 risk-based capital ratio | 11.2795% | 6,278 |
| Total risk-based capital ratio | 12.4867% | 6,274 |
| Memoranda: | ||
| Average total assets | $65,174,500 | 5,771 |
| Average earning assets | $58,389,500 | 5,791 |
| Average equity | $4,917,500 | 6,274 |
| Average total loans | $31,773,000 | 5,804 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2323% | 4,468 |
| Cost of funding earning assets | 0.6395% | 4,009 |
| Net interest margin | 3.5928% | 4,116 |
| Noninterest income to average assets | 0.7705% | 2,390 |
| Noninterest expense to average assets | 3.6032% | 1,601 |
| Loan and lease loss provision to assets | 0.1180% | 4,148 |
| Net operating income to assets | 0.2361% | 5,680 |
| Return on assets (ROA) | 0.2820% | 5,746 |
| Pretax return on assets | 0.2820% | 5,853 |
| Return on Equity (ROE) | 3.5081% | 5,344 |
| Retained earnings to average equity (ytd only) | 1.6724% | 5,022 |
| Net charge-offs to loans | 0.3148% | 3,066 |
| Credit loss provision to net charge-offs | 75.0000% | 4,004 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 4,294 |
| Efficiency ratio | 91.0522% | 987 |
| Assets per employee ($millions) | 2.6103% | 6,530 |
| Cash dividends to net income (ytd only)* | 52.3256% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 3,580 |
| Loan loss allowance to noncurrent loans | 61.9974% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.8948% | 2,575 |
| Noncurrent loans to loans | 2.4797% | 2,138 |
| Net loans and leases to total assets | 48.8682% | 5,321 |
| Net loans and leases to deposits | 53.2417% | 5,721 |
| Net loans and leases to core deposits | 53.8306% | 5,886 |
| Total domestic deposits to total assets | 91.7856% | 288 |
| Equity capital to assets | 7.8680% | 6,472 |
| Core capital (leverage) ratio | 8.0305% | 6,165 |
| Tier 1 risk-based capital ratio | 11.9191% | 5,830 |
| Total risk-based capital ratio | 13.0914% | 5,845 |
| Memoranda: | ||
| Average total assets | $61,001,000 | 5,900 |
| Average earning assets | $54,107,600 | 5,925 |
| Average equity | $4,903,000 | 6,326 |
| Average total loans | $30,491,200 | 5,927 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3107% | 4,414 |
| Cost of funding earning assets | 0.6825% | 3,921 |
| Net interest margin | 3.6283% | 4,110 |
| Noninterest income to average assets | 0.6976% | 2,725 |
| Noninterest expense to average assets | 3.6089% | 1,544 |
| Loan and lease loss provision to assets | 0.1188% | 4,064 |
| Net operating income to assets | 0.1870% | 5,947 |
| Return on assets (ROA) | 0.2487% | 5,978 |
| Pretax return on assets | 0.2487% | 6,048 |
| Return on Equity (ROE) | 3.0769% | 5,650 |
| Retained earnings to average equity (ytd only) | 2.5324% | 5,048 |
| Net charge-offs to loans | 0.3296% | 2,814 |
| Credit loss provision to net charge-offs | 72.0000% | 3,853 |
| Earnings coverage of net charge-offs (x) | 1.8533% | 4,335 |
| Efficiency ratio | 92.1866% | 876 |
| Assets per employee ($millions) | 2.5151% | 6,685 |
| Cash dividends to net income (ytd only)* | 17.7021% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 3,469 |
| Loan loss allowance to noncurrent loans | 58.5662% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 2.3259% | 2,285 |
| Noncurrent loans to loans | 2.7536% | 2,058 |
| Net loans and leases to total assets | 48.7153% | 5,463 |
| Net loans and leases to deposits | 53.3384% | 5,863 |
| Net loans and leases to core deposits | 53.9540% | 6,051 |
| Total domestic deposits to total assets | 91.3324% | 323 |
| Equity capital to assets | 8.2484% | 6,461 |
| Core capital (leverage) ratio | 8.0124% | 6,319 |
| Tier 1 risk-based capital ratio | 12.2084% | 5,830 |
| Total risk-based capital ratio | 13.4162% | 5,815 |
| Memoranda: | ||
| Average total assets | $60,589,750 | 5,976 |
| Average earning assets | $53,725,000 | 6,003 |
| Average equity | $4,896,500 | 6,394 |
| Average total loans | $30,341,000 | 6,006 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 4,479 |
| Cost of funding earning assets | 0.7347% | 3,727 |
| Net interest margin | 3.5880% | 4,312 |
| Noninterest income to average assets | 0.5539% | 3,560 |
| Noninterest expense to average assets | 3.6265% | 1,523 |
| Loan and lease loss provision to assets | 0.1187% | 4,046 |
| Net operating income to assets | -0.0033% | 6,322 |
| Return on assets (ROA) | 0.0890% | 6,335 |
| Pretax return on assets | 0.0890% | 6,341 |
| Return on Equity (ROE) | 1.1091% | 6,280 |
| Retained earnings to average equity (ytd only) | 0.2875% | 5,950 |
| Net charge-offs to loans | 0.5051% | 2,071 |
| Credit loss provision to net charge-offs | 46.7532% | 4,111 |
| Earnings coverage of net charge-offs (x) | 0.4545% | 4,851 |
| Efficiency ratio | 96.9163% | 664 |
| Assets per employee ($millions) | 2.5870% | 6,670 |
| Cash dividends to net income (ytd only)* | 74.0741% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 3,893 |
| Loan loss allowance to noncurrent loans | 55.2096% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 2.2807% | 2,452 |
| Noncurrent loans to loans | 2.7628% | 2,174 |
| Net loans and leases to total assets | 47.9360% | 5,618 |
| Net loans and leases to deposits | 52.2727% | 6,006 |
| Net loans and leases to core deposits | 52.8557% | 6,172 |
| Total domestic deposits to total assets | 91.7036% | 277 |
| Equity capital to assets | 7.8648% | 6,644 |
| Core capital (leverage) ratio | 7.6309% | 6,549 |
| Tier 1 risk-based capital ratio | 11.7189% | 6,099 |
| Total risk-based capital ratio | 12.8477% | 6,149 |
| Memoranda: | ||
| Average total assets | $60,665,330 | 6,012 |
| Average earning assets | $53,901,670 | 6,033 |
| Average equity | $4,869,000 | 6,425 |
| Average total loans | $30,492,000 | 6,038 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2604% | 4,888 |
| Cost of funding earning assets | 0.7988% | 3,484 |
| Net interest margin | 3.4616% | 4,871 |
| Noninterest income to average assets | 0.6271% | 3,072 |
| Noninterest expense to average assets | 3.7228% | 1,344 |
| Loan and lease loss provision to assets | 0.1201% | 3,847 |
| Net operating income to assets | -0.1801% | 6,611 |
| Return on assets (ROA) | 0.0067% | 6,513 |
| Pretax return on assets | 0.0067% | 6,515 |
| Return on Equity (ROE) | 0.0823% | 6,509 |
| Retained earnings to average equity (ytd only) | 0.0823% | 5,950 |
| Net charge-offs to loans | 0.1045% | 3,503 |
| Credit loss provision to net charge-offs | 225.0000% | 1,233 |
| Earnings coverage of net charge-offs (x) | -1.1250% | 4,564 |
| Efficiency ratio | 101.6393% | 503 |
| Assets per employee ($millions) | 2.6068% | 6,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6875% | 3,393 |
| Loan loss allowance to noncurrent loans | 60.1645% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 2.4279% | 2,434 |
| Noncurrent loans to loans | 2.8049% | 2,301 |
| Net loans and leases to total assets | 47.6760% | 5,601 |
| Net loans and leases to deposits | 51.8252% | 5,990 |
| Net loans and leases to core deposits | 52.3969% | 6,173 |
| Total domestic deposits to total assets | 91.9938% | 254 |
| Equity capital to assets | 7.6626% | 6,708 |
| Core capital (leverage) ratio | 7.7344% | 6,460 |
| Tier 1 risk-based capital ratio | 11.3868% | 6,341 |
| Total risk-based capital ratio | 12.6073% | 6,340 |
| Memoranda: | ||
| Average total assets | $59,954,500 | 6,064 |
| Average earning assets | $52,577,000 | 6,116 |
| Average equity | $4,862,000 | 6,467 |
| Average total loans | $30,626,500 | 6,082 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7805% | 3,901 |
| Cost of funding earning assets | 0.8038% | 4,839 |
| Net interest margin | 3.9767% | 2,999 |
| Noninterest income to average assets | 1.1177% | 1,060 |
| Noninterest expense to average assets | 3.9860% | 1,057 |
| Loan and lease loss provision to assets | 0.2086% | 4,099 |
| Net operating income to assets | 0.3720% | 4,984 |
| Return on assets (ROA) | 0.3720% | 5,154 |
| Pretax return on assets | 0.3720% | 5,374 |
| Return on Equity (ROE) | 4.4209% | 4,665 |
| Retained earnings to average equity (ytd only) | 3.8012% | 3,512 |
| Net charge-offs to loans | 0.7259% | 2,337 |
| Credit loss provision to net charge-offs | 51.0638% | 5,399 |
| Earnings coverage of net charge-offs (x) | 1.4213% | 4,705 |
| Efficiency ratio | 87.2859% | 1,416 |
| Assets per employee ($millions) | 2.3894% | 6,927 |
| Cash dividends to net income (ytd only)* | 14.0187% | 3,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 3,498 |
| Loan loss allowance to noncurrent loans | 43.1642% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 3.3900% | 1,748 |
| Noncurrent loans to loans | 3.7622% | 1,669 |
| Net loans and leases to total assets | 53.0317% | 5,168 |
| Net loans and leases to deposits | 58.2676% | 5,672 |
| Net loans and leases to core deposits | 58.9760% | 5,939 |
| Total domestic deposits to total assets | 91.0140% | 503 |
| Equity capital to assets | 8.5971% | 6,016 |
| Core capital (leverage) ratio | 8.4742% | 5,608 |
| Tier 1 risk-based capital ratio | 11.7013% | 6,025 |
| Total risk-based capital ratio | 12.9312% | 6,021 |
| Memoranda: | ||
| Average total assets | $57,527,000 | 6,126 |
| Average earning assets | $49,890,200 | 6,197 |
| Average equity | $4,840,600 | 6,496 |
| Average total loans | $32,371,400 | 6,052 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6774% | 4,559 |
| Cost of funding earning assets | 0.8356% | 4,896 |
| Net interest margin | 3.8418% | 3,661 |
| Noninterest income to average assets | 1.0954% | 1,111 |
| Noninterest expense to average assets | 3.9231% | 1,116 |
| Loan and lease loss provision to assets | 0.2084% | 3,933 |
| Net operating income to assets | 0.2964% | 5,405 |
| Return on assets (ROA) | 0.2964% | 5,584 |
| Pretax return on assets | 0.2964% | 5,709 |
| Return on Equity (ROE) | 3.5419% | 5,206 |
| Retained earnings to average equity (ytd only) | 3.2653% | 4,392 |
| Net charge-offs to loans | 0.7535% | 2,056 |
| Credit loss provision to net charge-offs | 48.6486% | 5,062 |
| Earnings coverage of net charge-offs (x) | 1.1784% | 4,739 |
| Efficiency ratio | 88.5983% | 1,283 |
| Assets per employee ($millions) | 2.3514% | 7,033 |
| Cash dividends to net income (ytd only)* | 7.8109% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 3,570 |
| Loan loss allowance to noncurrent loans | 44.5773% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 4.1731% | 1,466 |
| Noncurrent loans to loans | 3.6362% | 1,890 |
| Net loans and leases to total assets | 56.1409% | 4,816 |
| Net loans and leases to deposits | 61.8004% | 5,427 |
| Net loans and leases to core deposits | 62.5657% | 5,764 |
| Total domestic deposits to total assets | 90.8422% | 495 |
| Equity capital to assets | 8.6829% | 6,104 |
| Core capital (leverage) ratio | 8.3163% | 5,953 |
| Tier 1 risk-based capital ratio | 11.2496% | 6,399 |
| Total risk-based capital ratio | 12.4955% | 6,384 |
| Memoranda: | ||
| Average total assets | $57,572,500 | 6,163 |
| Average earning assets | $49,941,000 | 6,246 |
| Average equity | $4,818,250 | 6,554 |
| Average total loans | $32,736,000 | 6,089 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6874% | 4,584 |
| Cost of funding earning assets | 0.8672% | 4,929 |
| Net interest margin | 3.8203% | 3,689 |
| Noninterest income to average assets | 1.3735% | 674 |
| Noninterest expense to average assets | 3.8756% | 1,234 |
| Loan and lease loss provision to assets | 0.2071% | 3,852 |
| Net operating income to assets | 0.5901% | 4,106 |
| Return on assets (ROA) | 0.5901% | 4,238 |
| Pretax return on assets | 0.5901% | 4,771 |
| Return on Equity (ROE) | 7.1384% | 3,384 |
| Retained earnings to average equity (ytd only) | 6.7209% | 2,007 |
| Net charge-offs to loans | 0.6137% | 2,293 |
| Credit loss provision to net charge-offs | 59.4059% | 4,355 |
| Earnings coverage of net charge-offs (x) | 2.2871% | 3,685 |
| Efficiency ratio | 82.9394% | 1,966 |
| Assets per employee ($millions) | 2.3827% | 7,041 |
| Cash dividends to net income (ytd only)* | 5.8480% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8271% | 2,898 |
| Loan loss allowance to noncurrent loans | 53.2840% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 4.7164% | 1,320 |
| Noncurrent loans to loans | 3.4290% | 2,067 |
| Net loans and leases to total assets | 54.1218% | 5,278 |
| Net loans and leases to deposits | 59.5265% | 5,776 |
| Net loans and leases to core deposits | 60.2519% | 6,068 |
| Total domestic deposits to total assets | 90.9205% | 526 |
| Equity capital to assets | 8.6440% | 6,007 |
| Core capital (leverage) ratio | 8.2643% | 5,924 |
| Tier 1 risk-based capital ratio | 11.5963% | 6,096 |
| Total risk-based capital ratio | 12.9422% | 6,022 |
| Memoranda: | ||
| Average total assets | $57,952,330 | 6,208 |
| Average earning assets | $50,048,670 | 6,292 |
| Average equity | $4,791,000 | 6,605 |
| Average total loans | $32,913,330 | 6,140 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6910% | 4,561 |
| Cost of funding earning assets | 0.9036% | 4,892 |
| Net interest margin | 3.7873% | 3,669 |
| Noninterest income to average assets | 0.7200% | 2,455 |
| Noninterest expense to average assets | 3.8124% | 1,315 |
| Loan and lease loss provision to assets | 0.2468% | 3,189 |
| Net operating income to assets | -0.0343% | 6,394 |
| Return on assets (ROA) | -0.0343% | 6,415 |
| Pretax return on assets | -0.0343% | 6,393 |
| Return on Equity (ROE) | -0.4242% | 6,427 |
| Retained earnings to average equity (ytd only) | -0.4242% | 5,871 |
| Net charge-offs to loans | -0.0119% | 6,412 |
| Credit loss provision to net charge-offs | -3,600.0000% | 6,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7189% | 997 |
| Assets per employee ($millions) | 2.4345% | 7,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0198% | 2,361 |
| Loan loss allowance to noncurrent loans | 54.0050% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 4.3458% | 1,503 |
| Noncurrent loans to loans | 3.7400% | 1,974 |
| Net loans and leases to total assets | 52.1269% | 5,566 |
| Net loans and leases to deposits | 56.7113% | 6,062 |
| Net loans and leases to core deposits | 57.3531% | 6,317 |
| Total domestic deposits to total assets | 91.9163% | 307 |
| Equity capital to assets | 7.7321% | 6,725 |
| Core capital (leverage) ratio | 7.6958% | 6,562 |
| Tier 1 risk-based capital ratio | 10.8675% | 6,597 |
| Total risk-based capital ratio | 12.1439% | 6,557 |
| Memoranda: | ||
| Average total assets | $58,336,500 | 6,245 |
| Average earning assets | $50,906,500 | 6,307 |
| Average equity | $4,715,000 | 6,647 |
| Average total loans | $33,607,500 | 6,148 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2680% | 3,284 |
| Cost of funding earning assets | 1.1142% | 5,054 |
| Net interest margin | 4.1538% | 2,352 |
| Noninterest income to average assets | 0.7026% | 2,830 |
| Noninterest expense to average assets | 3.8120% | 1,466 |
| Loan and lease loss provision to assets | 0.2533% | 4,767 |
| Net operating income to assets | 0.2702% | 5,034 |
| Return on assets (ROA) | 0.3952% | 4,707 |
| Pretax return on assets | 0.3952% | 4,961 |
| Return on Equity (ROE) | 4.8942% | 4,112 |
| Retained earnings to average equity (ytd only) | 3.4301% | 3,464 |
| Net charge-offs to loans | 0.9519% | 2,280 |
| Credit loss provision to net charge-offs | 42.4929% | 6,350 |
| Earnings coverage of net charge-offs (x) | 0.8782% | 5,249 |
| Efficiency ratio | 87.9236% | 1,488 |
| Assets per employee ($millions) | 2.2324% | 7,274 |
| Cash dividends to net income (ytd only)* | 29.9145% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7712% | 2,954 |
| Loan loss allowance to noncurrent loans | 50.2852% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 4.7787% | 1,365 |
| Noncurrent loans to loans | 3.5223% | 2,143 |
| Net loans and leases to total assets | 61.3116% | 4,438 |
| Net loans and leases to deposits | 67.3225% | 5,193 |
| Net loans and leases to core deposits | 68.5704% | 5,602 |
| Total domestic deposits to total assets | 91.0715% | 569 |
| Equity capital to assets | 8.4644% | 5,901 |
| Core capital (leverage) ratio | 8.0311% | 6,151 |
| Tier 1 risk-based capital ratio | 10.6267% | 6,620 |
| Total risk-based capital ratio | 11.9010% | 6,565 |
| Memoranda: | ||
| Average total assets | $59,208,000 | 6,236 |
| Average earning assets | $51,784,000 | 6,299 |
| Average equity | $4,781,200 | 6,735 |
| Average total loans | $37,084,600 | 6,064 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3474% | 3,132 |
| Cost of funding earning assets | 1.1524% | 5,133 |
| Net interest margin | 4.1950% | 2,234 |
| Noninterest income to average assets | 0.6949% | 2,846 |
| Noninterest expense to average assets | 3.7852% | 1,396 |
| Loan and lease loss provision to assets | 0.2509% | 4,582 |
| Net operating income to assets | 0.3197% | 5,089 |
| Return on assets (ROA) | 0.4840% | 4,584 |
| Pretax return on assets | 0.4840% | 4,983 |
| Return on Equity (ROE) | 6.0611% | 3,781 |
| Retained earnings to average equity (ytd only) | 4.1149% | 3,574 |
| Net charge-offs to loans | 1.1581% | 1,762 |
| Credit loss provision to net charge-offs | 34.5566% | 6,098 |
| Earnings coverage of net charge-offs (x) | 0.7859% | 5,262 |
| Efficiency ratio | 86.9011% | 1,541 |
| Assets per employee ($millions) | 2.3909% | 7,209 |
| Cash dividends to net income (ytd only)* | 32.1097% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 3,311 |
| Loan loss allowance to noncurrent loans | 61.3360% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 3.8279% | 1,857 |
| Noncurrent loans to loans | 2.7012% | 2,931 |
| Net loans and leases to total assets | 60.1804% | 4,878 |
| Net loans and leases to deposits | 65.8448% | 5,682 |
| Net loans and leases to core deposits | 66.9776% | 6,038 |
| Total domestic deposits to total assets | 91.3973% | 334 |
| Equity capital to assets | 8.0723% | 6,738 |
| Core capital (leverage) ratio | 7.5820% | 6,781 |
| Tier 1 risk-based capital ratio | 10.0401% | 7,044 |
| Total risk-based capital ratio | 11.3119% | 7,011 |
| Memoranda: | ||
| Average total assets | $60,057,500 | 6,268 |
| Average earning assets | $52,410,500 | 6,354 |
| Average equity | $4,795,500 | 6,812 |
| Average total loans | $37,647,000 | 6,112 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4297% | 2,842 |
| Cost of funding earning assets | 1.1922% | 5,172 |
| Net interest margin | 4.2375% | 2,029 |
| Noninterest income to average assets | 0.4954% | 4,156 |
| Noninterest expense to average assets | 3.7172% | 1,524 |
| Loan and lease loss provision to assets | 0.2494% | 4,430 |
| Net operating income to assets | 0.2161% | 5,508 |
| Return on assets (ROA) | 0.3724% | 5,044 |
| Pretax return on assets | 0.3724% | 5,300 |
| Return on Equity (ROE) | 4.6806% | 4,450 |
| Retained earnings to average equity (ytd only) | 3.8448% | 3,642 |
| Net charge-offs to loans | 1.6314% | 1,163 |
| Credit loss provision to net charge-offs | 24.1935% | 5,812 |
| Earnings coverage of net charge-offs (x) | 0.4516% | 5,261 |
| Efficiency ratio | 88.8712% | 1,427 |
| Assets per employee ($millions) | 2.3988% | 7,229 |
| Cash dividends to net income (ytd only)* | 17.8571% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6031% | 3,431 |
| Loan loss allowance to noncurrent loans | 57.8635% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 4.0071% | 1,725 |
| Noncurrent loans to loans | 2.7705% | 2,887 |
| Net loans and leases to total assets | 59.8743% | 5,081 |
| Net loans and leases to deposits | 65.4502% | 5,874 |
| Net loans and leases to core deposits | 66.2020% | 6,228 |
| Total domestic deposits to total assets | 91.4806% | 334 |
| Equity capital to assets | 8.0775% | 6,674 |
| Core capital (leverage) ratio | 7.5708% | 6,760 |
| Tier 1 risk-based capital ratio | 9.8004% | 7,135 |
| Total risk-based capital ratio | 11.0680% | 7,106 |
| Memoranda: | ||
| Average total assets | $60,152,670 | 6,295 |
| Average earning assets | $52,341,670 | 6,395 |
| Average equity | $4,785,670 | 6,849 |
| Average total loans | $38,003,670 | 6,135 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4862% | 2,648 |
| Cost of funding earning assets | 1.2334% | 5,214 |
| Net interest margin | 4.2527% | 1,843 |
| Noninterest income to average assets | 0.2390% | 6,241 |
| Noninterest expense to average assets | 3.7248% | 1,467 |
| Loan and lease loss provision to assets | 0.2523% | 4,025 |
| Net operating income to assets | -0.0066% | 6,306 |
| Return on assets (ROA) | 0.2257% | 5,717 |
| Pretax return on assets | 0.2257% | 5,810 |
| Return on Equity (ROE) | 2.8592% | 5,398 |
| Retained earnings to average equity (ytd only) | 2.8592% | 4,409 |
| Net charge-offs to loans | 2.5697% | 631 |
| Credit loss provision to net charge-offs | 15.2610% | 4,993 |
| Earnings coverage of net charge-offs (x) | 0.1486% | 4,902 |
| Efficiency ratio | 93.8127% | 1,144 |
| Assets per employee ($millions) | 2.3227% | 7,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6087% | 3,398 |
| Loan loss allowance to noncurrent loans | 65.9091% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 3.9709% | 1,733 |
| Noncurrent loans to loans | 2.4408% | 3,237 |
| Net loans and leases to total assets | 61.6785% | 4,820 |
| Net loans and leases to deposits | 67.2535% | 5,681 |
| Net loans and leases to core deposits | 68.4549% | 6,059 |
| Total domestic deposits to total assets | 91.7104% | 320 |
| Equity capital to assets | 7.9187% | 6,737 |
| Core capital (leverage) ratio | 7.1820% | 7,117 |
| Tier 1 risk-based capital ratio | 9.4308% | 7,338 |
| Total risk-based capital ratio | 10.7002% | 7,324 |
| Memoranda: | ||
| Average total assets | $60,244,500 | 6,368 |
| Average earning assets | $52,860,000 | 6,443 |
| Average equity | $4,756,500 | 6,926 |
| Average total loans | $38,760,000 | 6,177 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7669% | 2,795 |
| Cost of funding earning assets | 1.5742% | 5,158 |
| Net interest margin | 4.1928% | 2,092 |
| Noninterest income to average assets | 0.8374% | 2,236 |
| Noninterest expense to average assets | 3.8346% | 1,625 |
| Loan and lease loss provision to assets | 0.6984% | 3,029 |
| Net operating income to assets | 0.0116% | 5,455 |
| Return on assets (ROA) | 0.0116% | 5,499 |
| Pretax return on assets | 0.0116% | 5,411 |
| Return on Equity (ROE) | 0.1493% | 5,493 |
| Retained earnings to average equity (ytd only) | -0.2773% | 5,013 |
| Net charge-offs to loans | 0.4516% | 3,973 |
| Credit loss provision to net charge-offs | 231.8681% | 1,578 |
| Earnings coverage of net charge-offs (x) | 2.3571% | 3,960 |
| Efficiency ratio | 84.3773% | 2,305 |
| Assets per employee ($millions) | 2.3115% | 7,461 |
| Cash dividends to net income (ytd only)* | 285.7143% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0674% | 1,873 |
| Loan loss allowance to noncurrent loans | 68.1629% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 4.3012% | 1,522 |
| Noncurrent loans to loans | 3.0330% | 2,543 |
| Net loans and leases to total assets | 64.6323% | 4,460 |
| Net loans and leases to deposits | 70.4960% | 5,539 |
| Net loans and leases to core deposits | 79.8700% | 6,112 |
| Total domestic deposits to total assets | 91.6822% | 334 |
| Equity capital to assets | 7.8719% | 6,699 |
| Core capital (leverage) ratio | 7.3219% | 6,959 |
| Tier 1 risk-based capital ratio | 9.0588% | 7,445 |
| Total risk-based capital ratio | 10.3099% | 7,465 |
| Memoranda: | ||
| Average total assets | $60,424,200 | 6,334 |
| Average earning assets | $53,425,400 | 6,399 |
| Average equity | $4,687,400 | 7,055 |
| Average total loans | $40,297,400 | 6,091 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8280% | 2,763 |
| Cost of funding earning assets | 1.6680% | 5,073 |
| Net interest margin | 4.1600% | 2,177 |
| Noninterest income to average assets | 0.8638% | 2,130 |
| Noninterest expense to average assets | 3.7968% | 1,594 |
| Loan and lease loss provision to assets | 0.3129% | 4,470 |
| Net operating income to assets | 0.4473% | 4,206 |
| Return on assets (ROA) | 0.4473% | 4,306 |
| Pretax return on assets | 0.4473% | 4,670 |
| Return on Equity (ROE) | 5.7877% | 3,611 |
| Retained earnings to average equity (ytd only) | 5.2174% | 2,360 |
| Net charge-offs to loans | 0.5009% | 3,221 |
| Credit loss provision to net charge-offs | 93.4211% | 5,395 |
| Earnings coverage of net charge-offs (x) | 2.2698% | 4,123 |
| Efficiency ratio | 83.3172% | 2,385 |
| Assets per employee ($millions) | 2.2838% | 7,519 |
| Cash dividends to net income (ytd only)* | 9.8537% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 3,744 |
| Loan loss allowance to noncurrent loans | 52.0073% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 4.1749% | 1,506 |
| Noncurrent loans to loans | 2.7676% | 2,745 |
| Net loans and leases to total assets | 65.7320% | 4,482 |
| Net loans and leases to deposits | 72.1380% | 5,623 |
| Net loans and leases to core deposits | 81.5814% | 6,225 |
| Total domestic deposits to total assets | 91.1198% | 377 |
| Equity capital to assets | 8.4255% | 6,354 |
| Core capital (leverage) ratio | 7.5673% | 6,901 |
| Tier 1 risk-based capital ratio | 9.4494% | 7,408 |
| Total risk-based capital ratio | 10.6135% | 7,433 |
| Memoranda: | ||
| Average total assets | $60,505,250 | 6,372 |
| Average earning assets | $53,716,250 | 6,436 |
| Average equity | $4,676,500 | 7,117 |
| Average total loans | $40,455,750 | 6,133 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9172% | 2,507 |
| Cost of funding earning assets | 1.7689% | 4,914 |
| Net interest margin | 4.1483% | 2,166 |
| Noninterest income to average assets | 0.3811% | 5,455 |
| Noninterest expense to average assets | 3.7549% | 1,735 |
| Loan and lease loss provision to assets | 0.4172% | 3,449 |
| Net operating income to assets | -0.1084% | 6,028 |
| Return on assets (ROA) | -0.1084% | 6,066 |
| Pretax return on assets | -0.1084% | 6,003 |
| Return on Equity (ROE) | -1.4449% | 6,138 |
| Retained earnings to average equity (ytd only) | -1.6639% | 5,663 |
| Net charge-offs to loans | 0.7364% | 2,206 |
| Credit loss provision to net charge-offs | 84.6667% | 5,071 |
| Earnings coverage of net charge-offs (x) | 0.6267% | 5,083 |
| Efficiency ratio | 92.4010% | 1,608 |
| Assets per employee ($millions) | 2.3879% | 7,448 |
| Cash dividends to net income (ytd only)* | -15.1515% | 7,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 3,666 |
| Loan loss allowance to noncurrent loans | 44.6672% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 4.1266% | 1,413 |
| Noncurrent loans to loans | 3.1585% | 2,258 |
| Net loans and leases to total assets | 62.6947% | 5,236 |
| Net loans and leases to deposits | 68.1526% | 6,174 |
| Net loans and leases to core deposits | 76.8824% | 6,617 |
| Total domestic deposits to total assets | 91.9916% | 216 |
| Equity capital to assets | 7.5509% | 7,220 |
| Core capital (leverage) ratio | 6.9880% | 7,549 |
| Tier 1 risk-based capital ratio | 8.9089% | 7,740 |
| Total risk-based capital ratio | 10.0352% | 7,827 |
| Memoranda: | ||
| Average total assets | $60,880,670 | 6,417 |
| Average earning assets | $54,045,670 | 6,467 |
| Average equity | $4,567,670 | 7,217 |
| Average total loans | $40,740,670 | 6,170 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1702% | 1,693 |
| Cost of funding earning assets | 1.8541% | 4,858 |
| Net interest margin | 4.3162% | 1,557 |
| Noninterest income to average assets | 0.5773% | 3,710 |
| Noninterest expense to average assets | 3.5900% | 1,888 |
| Loan and lease loss provision to assets | 0.1659% | 4,806 |
| Net operating income to assets | 0.6370% | 3,854 |
| Return on assets (ROA) | 0.6370% | 4,036 |
| Pretax return on assets | 0.6370% | 4,630 |
| Return on Equity (ROE) | 8.5191% | 2,920 |
| Retained earnings to average equity (ytd only) | 8.5191% | 1,627 |
| Net charge-offs to loans | 0.2901% | 2,955 |
| Credit loss provision to net charge-offs | 83.3333% | 4,133 |
| Earnings coverage of net charge-offs (x) | 4.0333% | 2,999 |
| Efficiency ratio | 81.7221% | 2,575 |
| Assets per employee ($millions) | 2.2731% | 7,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 3,510 |
| Loan loss allowance to noncurrent loans | 40.5501% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 3.9365% | 1,317 |
| Noncurrent loans to loans | 3.4501% | 1,853 |
| Net loans and leases to total assets | 66.0296% | 4,580 |
| Net loans and leases to deposits | 72.4320% | 5,691 |
| Net loans and leases to core deposits | 81.3428% | 6,281 |
| Total domestic deposits to total assets | 91.1608% | 363 |
| Equity capital to assets | 7.5993% | 7,261 |
| Core capital (leverage) ratio | 7.0686% | 7,588 |
| Tier 1 risk-based capital ratio | 8.5963% | 7,925 |
| Total risk-based capital ratio | 9.7352% | 7,983 |
| Memoranda: | ||
| Average total assets | $60,278,500 | 6,465 |
| Average earning assets | $53,288,000 | 6,533 |
| Average equity | $4,507,500 | 7,286 |
| Average total loans | $41,370,500 | 6,176 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7799% | 1,751 |
| Cost of funding earning assets | 2.3184% | 5,069 |
| Net interest margin | 4.4616% | 1,508 |
| Noninterest income to average assets | 0.6508% | 3,471 |
| Noninterest expense to average assets | 3.7242% | 1,903 |
| Loan and lease loss provision to assets | 0.4280% | 3,142 |
| Net operating income to assets | 0.4893% | 4,788 |
| Return on assets (ROA) | 0.1340% | 5,854 |
| Pretax return on assets | 0.1340% | 5,869 |
| Return on Equity (ROE) | 1.8468% | 5,656 |
| Retained earnings to average equity (ytd only) | -6.8755% | 6,769 |
| Net charge-offs to loans | 0.5449% | 2,190 |
| Credit loss provision to net charge-offs | 114.7186% | 4,708 |
| Earnings coverage of net charge-offs (x) | 2.4589% | 4,850 |
| Efficiency ratio | 80.2366% | 2,561 |
| Assets per employee ($millions) | 2.1920% | 7,724 |
| Cash dividends to net income (ytd only)* | 472.2892% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 3,238 |
| Loan loss allowance to noncurrent loans | 37.7358% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 4.3289% | 902 |
| Noncurrent loans to loans | 3.6911% | 1,363 |
| Net loans and leases to total assets | 69.3797% | 4,174 |
| Net loans and leases to deposits | 78.9240% | 5,210 |
| Net loans and leases to core deposits | 88.9440% | 5,896 |
| Total domestic deposits to total assets | 87.9070% | 1,509 |
| Equity capital to assets | 7.3518% | 7,508 |
| Core capital (leverage) ratio | 6.8024% | 7,816 |
| Tier 1 risk-based capital ratio | 8.8248% | 7,888 |
| Total risk-based capital ratio | 10.0750% | 7,939 |
| Memoranda: | ||
| Average total assets | $61,919,600 | 6,320 |
| Average earning assets | $55,384,000 | 6,356 |
| Average equity | $4,494,200 | 7,334 |
| Average total loans | $42,390,400 | 6,053 |