Home > Citizens Bank & Trust Co. > Performance and Condition Ratios
Citizens Bank & Trust Co., 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 | 5.3941% | 1,324 |
| Cost of funding earning assets | 1.1210% | 3,009 |
| Net interest margin | 4.2730% | 843 |
| Noninterest income to average assets | 2.6500% | 206 |
| Noninterest expense to average assets | 4.3712% | 294 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 2.0660% | 423 |
| Return on assets (ROA) | 2.0660% | 413 |
| Pretax return on assets | 2.0660% | 613 |
| Return on Equity (ROE) | 19.5000% | 655 |
| Retained earnings to average equity (ytd only) | 19.4960% | 143 |
| Net charge-offs to loans | -0.1837% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.7287% | 2,139 |
| Assets per employee ($millions) | 4.0358% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6767% | 70 |
| Loan loss allowance to noncurrent loans | 85.1632% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 2.9505% | 75 |
| Noncurrent loans to loans | 4.3173% | 70 |
| Net loans and leases to total assets | 48.3000% | 3,711 |
| Net loans and leases to deposits | 60.7865% | 3,482 |
| Net loans and leases to core deposits | 62.3417% | 3,664 |
| Total domestic deposits to total assets | 79.4600% | 3,548 |
| Equity capital to assets | 12.2295% | 1,056 |
| Core capital (leverage) ratio | 12.4647% | 1,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6018% | 723 |
| Memoranda: | ||
| Average total assets | $113,308,800 | 3,713 |
| Average earning assets | $100,888,600 | 3,736 |
| Average equity | $12,007,600 | 3,521 |
| Average total loans | $59,331,000 | 3,719 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3146% | 1,271 |
| Cost of funding earning assets | 1.0434% | 2,912 |
| Net interest margin | 4.2712% | 836 |
| Noninterest income to average assets | 2.7700% | 208 |
| Noninterest expense to average assets | 4.3020% | 305 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 2.2763% | 338 |
| Return on assets (ROA) | 2.2763% | 328 |
| Pretax return on assets | 2.2763% | 501 |
| Return on Equity (ROE) | 22.3000% | 538 |
| Retained earnings to average equity (ytd only) | 22.2978% | 184 |
| Net charge-offs to loans | 0.1917% | 460 |
| Credit loss provision to net charge-offs | 11.4943% | 2,031 |
| Earnings coverage of net charge-offs (x) | 22.5632% | 1,757 |
| Efficiency ratio | 65.2812% | 2,357 |
| Assets per employee ($millions) | 3.9447% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8716% | 135 |
| Loan loss allowance to noncurrent loans | 75.4496% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 3.0702% | 67 |
| Noncurrent loans to loans | 3.8059% | 87 |
| Net loans and leases to total assets | 57.2900% | 3,093 |
| Net loans and leases to deposits | 72.5225% | 2,677 |
| Net loans and leases to core deposits | 74.4252% | 2,969 |
| Total domestic deposits to total assets | 79.0000% | 3,698 |
| Equity capital to assets | 12.1467% | 999 |
| Core capital (leverage) ratio | 12.5792% | 1,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7825% | 977 |
| Memoranda: | ||
| Average total assets | $114,394,500 | 3,715 |
| Average earning assets | $102,357,750 | 3,735 |
| Average equity | $11,678,000 | 3,557 |
| Average total loans | $60,503,500 | 3,706 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0952% | 1,381 |
| Cost of funding earning assets | 0.9801% | 2,667 |
| Net interest margin | 4.1151% | 1,063 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 3.5275% | 525 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9024% | 2,748 |
| Return on assets (ROA) | 0.9024% | 2,735 |
| Pretax return on assets | 0.9024% | 3,159 |
| Return on Equity (ROE) | 9.3800% | 2,866 |
| Retained earnings to average equity (ytd only) | 9.3797% | 1,578 |
| Net charge-offs to loans | 0.3114% | 268 |
| Credit loss provision to net charge-offs | 10.7527% | 1,793 |
| Earnings coverage of net charge-offs (x) | 5.7849% | 2,153 |
| Efficiency ratio | 79.3236% | 884 |
| Assets per employee ($millions) | 3.4730% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8676% | 141 |
| Loan loss allowance to noncurrent loans | 72.2088% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 3.1450% | 60 |
| Noncurrent loans to loans | 3.9713% | 88 |
| Net loans and leases to total assets | 56.5700% | 3,080 |
| Net loans and leases to deposits | 69.3645% | 2,834 |
| Net loans and leases to core deposits | 70.2859% | 3,109 |
| Total domestic deposits to total assets | 81.5500% | 3,320 |
| Equity capital to assets | 10.6927% | 1,512 |
| Core capital (leverage) ratio | 10.2506% | 2,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8167% | 1,356 |
| Memoranda: | ||
| Average total assets | $117,024,000 | 3,701 |
| Average earning assets | $105,707,333 | 3,715 |
| Average equity | $11,258,333 | 3,607 |
| Average total loans | $59,730,333 | 3,725 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7464% | 1,746 |
| Cost of funding earning assets | 0.8965% | 2,382 |
| Net interest margin | 3.8499% | 1,580 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 3.3326% | 665 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.9663% | 2,633 |
| Return on assets (ROA) | 0.9663% | 2,595 |
| Pretax return on assets | 0.9663% | 3,086 |
| Return on Equity (ROE) | 10.5600% | 2,620 |
| Retained earnings to average equity (ytd only) | 10.5646% | 1,567 |
| Net charge-offs to loans | 0.0549% | 817 |
| Credit loss provision to net charge-offs | 50.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 37.2500% | 1,220 |
| Efficiency ratio | 77.2866% | 1,067 |
| Assets per employee ($millions) | 3.9901% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2750% | 111 |
| Loan loss allowance to noncurrent loans | 66.0450% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 3.3525% | 37 |
| Noncurrent loans to loans | 4.9587% | 56 |
| Net loans and leases to total assets | 46.3100% | 3,761 |
| Net loans and leases to deposits | 57.0523% | 3,507 |
| Net loans and leases to core deposits | 57.7657% | 3,639 |
| Total domestic deposits to total assets | 81.1700% | 3,612 |
| Equity capital to assets | 9.4226% | 2,209 |
| Core capital (leverage) ratio | 8.6381% | 4,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3114% | 1,311 |
| Memoranda: | ||
| Average total assets | $121,705,000 | 3,703 |
| Average earning assets | $110,651,500 | 3,714 |
| Average equity | $11,131,500 | 3,663 |
| Average total loans | $58,245,500 | 3,786 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6734% | 2,604 |
| Cost of funding earning assets | 0.3298% | 2,637 |
| Net interest margin | 3.3436% | 2,438 |
| Noninterest income to average assets | 1.1400% | 514 |
| Noninterest expense to average assets | 3.1644% | 762 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9742% | 2,660 |
| Return on assets (ROA) | 0.9742% | 2,604 |
| Pretax return on assets | 0.9742% | 3,150 |
| Return on Equity (ROE) | 13.0400% | 1,799 |
| Retained earnings to average equity (ytd only) | 13.0404% | 508 |
| Net charge-offs to loans | 0.4399% | 172 |
| Credit loss provision to net charge-offs | 3.4483% | 1,973 |
| Earnings coverage of net charge-offs (x) | 4.3552% | 2,422 |
| Efficiency ratio | 76.3173% | 977 |
| Assets per employee ($millions) | 4.2658% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1785% | 105 |
| Loan loss allowance to noncurrent loans | 60.6774% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 3.4525% | 31 |
| Noncurrent loans to loans | 5.2384% | 50 |
| Net loans and leases to total assets | 46.3200% | 3,780 |
| Net loans and leases to deposits | 56.4419% | 3,551 |
| Net loans and leases to core deposits | 57.1159% | 3,668 |
| Total domestic deposits to total assets | 82.0600% | 3,621 |
| Equity capital to assets | 8.8790% | 2,434 |
| Core capital (leverage) ratio | 8.9400% | 3,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2205% | 1,559 |
| Memoranda: | ||
| Average total assets | $128,618,800 | 3,647 |
| Average earning assets | $115,832,200 | 3,670 |
| Average equity | $9,608,600 | 3,916 |
| Average total loans | $65,917,600 | 3,645 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5016% | 2,611 |
| Cost of funding earning assets | 0.3134% | 2,025 |
| Net interest margin | 3.1882% | 2,661 |
| Noninterest income to average assets | 1.3200% | 422 |
| Noninterest expense to average assets | 3.1154% | 764 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0617% | 2,243 |
| Return on assets (ROA) | 1.0617% | 2,207 |
| Pretax return on assets | 1.0617% | 2,840 |
| Return on Equity (ROE) | 14.8800% | 1,206 |
| Retained earnings to average equity (ytd only) | 14.8804% | 377 |
| Net charge-offs to loans | 0.5483% | 118 |
| Credit loss provision to net charge-offs | 1.0791% | 1,678 |
| Earnings coverage of net charge-offs (x) | 3.7302% | 2,199 |
| Efficiency ratio | 74.5271% | 1,230 |
| Assets per employee ($millions) | 3.7968% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6773% | 187 |
| Loan loss allowance to noncurrent loans | 61.6139% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 3.4906% | 34 |
| Noncurrent loans to loans | 4.3452% | 79 |
| Net loans and leases to total assets | 56.4300% | 2,859 |
| Net loans and leases to deposits | 69.0242% | 2,450 |
| Net loans and leases to core deposits | 69.8662% | 2,651 |
| Total domestic deposits to total assets | 81.7500% | 3,876 |
| Equity capital to assets | 8.8611% | 2,311 |
| Core capital (leverage) ratio | 8.6674% | 3,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1314% | 2,412 |
| Memoranda: | ||
| Average total assets | $129,846,500 | 3,660 |
| Average earning assets | $116,552,500 | 3,691 |
| Average equity | $9,264,750 | 4,009 |
| Average total loans | $67,602,500 | 3,631 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3164% | 2,688 |
| Cost of funding earning assets | 0.3094% | 1,635 |
| Net interest margin | 3.0070% | 2,853 |
| Noninterest income to average assets | 0.4358% | 2,537 |
| Noninterest expense to average assets | 2.9496% | 913 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1975% | 4,425 |
| Return on assets (ROA) | 0.1975% | 4,387 |
| Pretax return on assets | 0.1975% | 4,416 |
| Return on Equity (ROE) | 2.9894% | 4,216 |
| Retained earnings to average equity (ytd only) | 2.9894% | 3,450 |
| Net charge-offs to loans | 0.7801% | 81 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 0.5038% | 2,095 |
| Efficiency ratio | 93.7230% | 297 |
| Assets per employee ($millions) | 4.0949% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7788% | 179 |
| Loan loss allowance to noncurrent loans | 56.8651% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 3.4532% | 40 |
| Noncurrent loans to loans | 4.8867% | 68 |
| Net loans and leases to total assets | 50.7555% | 3,293 |
| Net loans and leases to deposits | 60.5337% | 3,018 |
| Net loans and leases to core deposits | 61.6275% | 3,146 |
| Total domestic deposits to total assets | 83.8467% | 3,710 |
| Equity capital to assets | 7.5268% | 3,453 |
| Core capital (leverage) ratio | 7.5409% | 4,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5104% | 2,670 |
| Memoranda: | ||
| Average total assets | $132,629,333 | 3,674 |
| Average earning assets | $119,587,000 | 3,703 |
| Average equity | $8,764,333 | 4,126 |
| Average total loans | $66,655,000 | 3,681 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9216% | 3,478 |
| Cost of funding earning assets | 0.3166% | 1,498 |
| Net interest margin | 2.6050% | 3,648 |
| Noninterest income to average assets | 0.4827% | 2,223 |
| Noninterest expense to average assets | 2.8540% | 1,054 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1019% | 4,596 |
| Return on assets (ROA) | -0.1019% | 4,579 |
| Pretax return on assets | -0.1019% | 4,572 |
| Return on Equity (ROE) | -1.6555% | 4,624 |
| Retained earnings to average equity (ytd only) | -1.6555% | 4,217 |
| Net charge-offs to loans | -0.8757% | 4,734 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7037% | 193 |
| Assets per employee ($millions) | 4.4590% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5689% | 96 |
| Loan loss allowance to noncurrent loans | 31.4633% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 6.4626% | 11 |
| Noncurrent loans to loans | 11.3430% | 14 |
| Net loans and leases to total assets | 46.5583% | 3,528 |
| Net loans and leases to deposits | 54.4934% | 3,377 |
| Net loans and leases to core deposits | 55.1931% | 3,509 |
| Total domestic deposits to total assets | 85.4384% | 3,420 |
| Equity capital to assets | 6.1284% | 4,558 |
| Core capital (leverage) ratio | 5.8382% | 4,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.8088% | 3,088 |
| Memoranda: | ||
| Average total assets | $133,425,000 | 3,687 |
| Average earning assets | $116,236,500 | 3,766 |
| Average equity | $8,215,000 | 4,249 |
| Average total loans | $65,777,500 | 3,702 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0735% | 3,738 |
| Cost of funding earning assets | 0.5486% | 717 |
| Net interest margin | 2.5248% | 4,158 |
| Noninterest income to average assets | 0.4751% | 2,700 |
| Noninterest expense to average assets | 3.1508% | 786 |
| Loan and lease loss provision to assets | 0.7940% | 55 |
| Net operating income to assets | -1.2698% | 4,795 |
| Return on assets (ROA) | -1.2698% | 4,798 |
| Pretax return on assets | -1.2698% | 4,795 |
| Return on Equity (ROE) | -20.5284% | 4,826 |
| Retained earnings to average equity (ytd only) | -20.5284% | 4,811 |
| Net charge-offs to loans | 1.4018% | 40 |
| Credit loss provision to net charge-offs | 117.2338% | 1,667 |
| Earnings coverage of net charge-offs (x) | -0.7025% | 2,658 |
| Efficiency ratio | 117.7877% | 71 |
| Assets per employee ($millions) | 4.5890% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2269% | 120 |
| Loan loss allowance to noncurrent loans | 31.8685% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 6.0971% | 15 |
| Noncurrent loans to loans | 10.1256% | 19 |
| Net loans and leases to total assets | 48.6985% | 3,435 |
| Net loans and leases to deposits | 57.0659% | 3,332 |
| Net loans and leases to core deposits | 57.4988% | 3,513 |
| Total domestic deposits to total assets | 85.3374% | 3,159 |
| Equity capital to assets | 6.1858% | 4,808 |
| Core capital (leverage) ratio | 6.2700% | 4,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.9469% | 3,084 |
| Memoranda: | ||
| Average total assets | $134,507,400 | 3,636 |
| Average earning assets | $117,197,000 | 3,722 |
| Average equity | $8,320,200 | 4,308 |
| Average total loans | $64,988,000 | 3,746 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0263% | 3,952 |
| Cost of funding earning assets | 0.6173% | 587 |
| Net interest margin | 2.4090% | 4,388 |
| Noninterest income to average assets | 0.2778% | 3,765 |
| Noninterest expense to average assets | 3.2536% | 644 |
| Loan and lease loss provision to assets | 1.0559% | 32 |
| Net operating income to assets | -1.9328% | 4,885 |
| Return on assets (ROA) | -1.9328% | 4,885 |
| Pretax return on assets | -1.9328% | 4,883 |
| Return on Equity (ROE) | -31.2458% | 4,903 |
| Retained earnings to average equity (ytd only) | -31.2458% | 4,894 |
| Net charge-offs to loans | 1.9929% | 25 |
| Credit loss provision to net charge-offs | 110.7884% | 1,513 |
| Earnings coverage of net charge-offs (x) | -0.9201% | 2,418 |
| Efficiency ratio | 136.8968% | 50 |
| Assets per employee ($millions) | 4.0995% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9334% | 164 |
| Loan loss allowance to noncurrent loans | 28.8609% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 6.6303% | 14 |
| Noncurrent loans to loans | 10.1638% | 18 |
| Net loans and leases to total assets | 54.8893% | 2,866 |
| Net loans and leases to deposits | 64.8389% | 2,749 |
| Net loans and leases to core deposits | 65.8600% | 2,966 |
| Total domestic deposits to total assets | 84.6549% | 3,244 |
| Equity capital to assets | 6.2833% | 4,878 |
| Core capital (leverage) ratio | 6.3159% | 4,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.3675% | 3,119 |
| Memoranda: | ||
| Average total assets | $134,864,250 | 3,671 |
| Average earning assets | $117,501,750 | 3,757 |
| Average equity | $8,342,250 | 4,366 |
| Average total loans | $64,492,750 | 3,806 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6392% | 4,516 |
| Cost of funding earning assets | 0.6753% | 510 |
| Net interest margin | 1.9640% | 4,724 |
| Noninterest income to average assets | 0.1528% | 4,435 |
| Noninterest expense to average assets | 3.2490% | 666 |
| Loan and lease loss provision to assets | 1.5176% | 17 |
| Net operating income to assets | -2.9042% | 4,930 |
| Return on assets (ROA) | -2.9042% | 4,930 |
| Pretax return on assets | -2.9042% | 4,927 |
| Return on Equity (ROE) | -47.1793% | 4,945 |
| Retained earnings to average equity (ytd only) | -47.1793% | 4,939 |
| Net charge-offs to loans | 3.1917% | 13 |
| Credit loss provision to net charge-offs | 105.3535% | 1,332 |
| Earnings coverage of net charge-offs (x) | -0.9626% | 2,205 |
| Efficiency ratio | 174.4531% | 30 |
| Assets per employee ($millions) | 3.7780% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0841% | 138 |
| Loan loss allowance to noncurrent loans | 26.1140% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 7.5598% | 11 |
| Noncurrent loans to loans | 11.8101% | 16 |
| Net loans and leases to total assets | 51.8476% | 3,359 |
| Net loans and leases to deposits | 61.0629% | 3,295 |
| Net loans and leases to core deposits | 62.0393% | 3,457 |
| Total domestic deposits to total assets | 84.9085% | 3,132 |
| Equity capital to assets | 5.8906% | 4,923 |
| Core capital (leverage) ratio | 5.5218% | 4,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.1834% | 3,102 |
| Memoranda: | ||
| Average total assets | $137,458,000 | 3,660 |
| Average earning assets | $119,655,667 | 3,737 |
| Average equity | $8,461,333 | 4,375 |
| Average total loans | $62,036,000 | 3,861 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7710% | 4,403 |
| Cost of funding earning assets | 0.7179% | 512 |
| Net interest margin | 2.0530% | 4,705 |
| Noninterest income to average assets | 0.4693% | 2,759 |
| Noninterest expense to average assets | 3.0296% | 947 |
| Loan and lease loss provision to assets | 0.9469% | 46 |
| Net operating income to assets | -1.6967% | 4,950 |
| Return on assets (ROA) | -1.6967% | 4,949 |
| Pretax return on assets | -1.6967% | 4,945 |
| Return on Equity (ROE) | -26.5220% | 4,964 |
| Retained earnings to average equity (ytd only) | -26.5220% | 4,939 |
| Net charge-offs to loans | 5.4534% | 7 |
| Credit loss provision to net charge-offs | 41.8919% | 1,345 |
| Earnings coverage of net charge-offs (x) | -0.3317% | 1,897 |
| Efficiency ratio | 132.8867% | 45 |
| Assets per employee ($millions) | 4.2970% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3296% | 346 |
| Loan loss allowance to noncurrent loans | 34.6144% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 4.2256% | 49 |
| Noncurrent loans to loans | 6.7302% | 50 |
| Net loans and leases to total assets | 39.9437% | 4,348 |
| Net loans and leases to deposits | 47.4090% | 4,288 |
| Net loans and leases to core deposits | 48.2014% | 4,365 |
| Total domestic deposits to total assets | 84.2534% | 3,355 |
| Equity capital to assets | 6.2827% | 4,918 |
| Core capital (leverage) ratio | 5.8910% | 4,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4638% | 2,820 |
| Memoranda: | ||
| Average total assets | $144,046,000 | 3,589 |
| Average earning assets | $127,032,000 | 3,658 |
| Average equity | $9,215,000 | 4,310 |
| Average total loans | $59,705,500 | 3,923 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6205% | 3,756 |
| Cost of funding earning assets | 0.9098% | 831 |
| Net interest margin | 2.7107% | 4,367 |
| Noninterest income to average assets | 0.6279% | 2,109 |
| Noninterest expense to average assets | 2.5501% | 2,695 |
| Loan and lease loss provision to assets | 2.1990% | 27 |
| Net operating income to assets | -1.7015% | 4,953 |
| Return on assets (ROA) | -1.7015% | 4,955 |
| Pretax return on assets | -1.7015% | 4,954 |
| Return on Equity (ROE) | -22.7332% | 4,976 |
| Retained earnings to average equity (ytd only) | -22.7332% | 4,964 |
| Net charge-offs to loans | 4.3069% | 14 |
| Credit loss provision to net charge-offs | 97.8180% | 2,866 |
| Earnings coverage of net charge-offs (x) | 0.2213% | 3,331 |
| Efficiency ratio | 83.6744% | 656 |
| Assets per employee ($millions) | 4.0636% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9698% | 152 |
| Loan loss allowance to noncurrent loans | 38.3435% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 4.7071% | 49 |
| Noncurrent loans to loans | 7.7452% | 40 |
| Net loans and leases to total assets | 40.7376% | 4,411 |
| Net loans and leases to deposits | 48.3251% | 4,382 |
| Net loans and leases to core deposits | 49.2789% | 4,449 |
| Total domestic deposits to total assets | 84.2990% | 3,014 |
| Equity capital to assets | 6.5083% | 4,956 |
| Core capital (leverage) ratio | 6.5735% | 4,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7856% | 2,973 |
| Memoranda: | ||
| Average total assets | $142,699,800 | 3,481 |
| Average earning assets | $127,384,600 | 3,541 |
| Average equity | $10,680,400 | 4,124 |
| Average total loans | $74,484,600 | 3,652 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8262% | 3,489 |
| Cost of funding earning assets | 0.9518% | 903 |
| Net interest margin | 2.8744% | 4,223 |
| Noninterest income to average assets | 0.4936% | 2,636 |
| Noninterest expense to average assets | 2.3638% | 3,241 |
| Loan and lease loss provision to assets | 2.9026% | 27 |
| Net operating income to assets | -2.2115% | 4,992 |
| Return on assets (ROA) | -2.2115% | 4,992 |
| Pretax return on assets | -2.2115% | 4,988 |
| Return on Equity (ROE) | -28.5857% | 5,014 |
| Retained earnings to average equity (ytd only) | -28.5857% | 5,001 |
| Net charge-offs to loans | 4.7707% | 14 |
| Credit loss provision to net charge-offs | 110.9633% | 2,546 |
| Earnings coverage of net charge-offs (x) | 0.2642% | 3,137 |
| Efficiency ratio | 77.3777% | 1,100 |
| Assets per employee ($millions) | 3.9113% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9440% | 147 |
| Loan loss allowance to noncurrent loans | 24.4768% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 8.1295% | 22 |
| Noncurrent loans to loans | 12.0276% | 19 |
| Net loans and leases to total assets | 52.9566% | 3,894 |
| Net loans and leases to deposits | 63.8562% | 3,801 |
| Net loans and leases to core deposits | 64.9926% | 3,953 |
| Total domestic deposits to total assets | 82.9310% | 3,158 |
| Equity capital to assets | 7.0096% | 4,949 |
| Core capital (leverage) ratio | 6.9038% | 4,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8252% | 3,102 |
| Memoranda: | ||
| Average total assets | $141,802,250 | 3,473 |
| Average earning assets | $126,354,750 | 3,534 |
| Average equity | $10,970,250 | 4,089 |
| Average total loans | $77,751,000 | 3,614 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8787% | 3,681 |
| Cost of funding earning assets | 0.9802% | 1,043 |
| Net interest margin | 2.8985% | 4,309 |
| Noninterest income to average assets | 0.5229% | 2,475 |
| Noninterest expense to average assets | 1.7610% | 4,614 |
| Loan and lease loss provision to assets | 2.7705% | 32 |
| Net operating income to assets | -1.4236% | 4,992 |
| Return on assets (ROA) | -1.4236% | 4,993 |
| Pretax return on assets | -1.4236% | 4,979 |
| Return on Equity (ROE) | -17.8679% | 5,027 |
| Retained earnings to average equity (ytd only) | -17.8679% | 5,000 |
| Net charge-offs to loans | 7.4470% | 5 |
| Credit loss provision to net charge-offs | 67.7463% | 2,564 |
| Earnings coverage of net charge-offs (x) | 0.3294% | 2,930 |
| Efficiency ratio | 56.6622% | 3,866 |
| Assets per employee ($millions) | 3.9306% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 2,302 |
| Loan loss allowance to noncurrent loans | 12.9929% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 6.6862% | 34 |
| Noncurrent loans to loans | 9.5485% | 29 |
| Net loans and leases to total assets | 53.3887% | 3,927 |
| Net loans and leases to deposits | 64.6247% | 3,837 |
| Net loans and leases to core deposits | 66.3601% | 3,957 |
| Total domestic deposits to total assets | 82.6134% | 3,201 |
| Equity capital to assets | 7.7230% | 4,825 |
| Core capital (leverage) ratio | 7.6773% | 4,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7848% | 3,019 |
| Memoranda: | ||
| Average total assets | $143,437,333 | 3,446 |
| Average earning assets | $127,929,333 | 3,499 |
| Average equity | $11,428,333 | 4,055 |
| Average total loans | $78,769,667 | 3,599 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1192% | 3,470 |
| Cost of funding earning assets | 1.0579% | 1,191 |
| Net interest margin | 3.0613% | 4,176 |
| Noninterest income to average assets | 0.6288% | 1,906 |
| Noninterest expense to average assets | 0.2825% | 5,108 |
| Loan and lease loss provision to assets | 4.5566% | 19 |
| Net operating income to assets | -1.4930% | 5,022 |
| Return on assets (ROA) | -1.4930% | 5,009 |
| Pretax return on assets | -1.4930% | 4,993 |
| Return on Equity (ROE) | -18.4613% | 5,049 |
| Retained earnings to average equity (ytd only) | -18.4613% | 4,941 |
| Net charge-offs to loans | 5.7316% | 17 |
| Credit loss provision to net charge-offs | 143.6681% | 1,606 |
| Earnings coverage of net charge-offs (x) | 0.9659% | 2,427 |
| Efficiency ratio | 8.4437% | 5,103 |
| Assets per employee ($millions) | 4.4332% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1359% | 135 |
| Loan loss allowance to noncurrent loans | 26.2558% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 7.9832% | 29 |
| Noncurrent loans to loans | 11.9438% | 19 |
| Net loans and leases to total assets | 52.1264% | 4,105 |
| Net loans and leases to deposits | 63.2702% | 4,020 |
| Net loans and leases to core deposits | 65.0255% | 4,130 |
| Total domestic deposits to total assets | 82.3870% | 3,303 |
| Equity capital to assets | 8.0424% | 4,962 |
| Core capital (leverage) ratio | 7.6327% | 5,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7748% | 2,815 |
| Memoranda: | ||
| Average total assets | $144,406,000 | 3,405 |
| Average earning assets | $128,179,000 | 3,468 |
| Average equity | $11,678,500 | 4,039 |
| Average total loans | $79,907,500 | 3,583 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1091% | 1,195 |
| Cost of funding earning assets | 1.0428% | 1,545 |
| Net interest margin | 4.0662% | 1,634 |
| Noninterest income to average assets | 0.8433% | 1,318 |
| Noninterest expense to average assets | 3.0620% | 1,844 |
| Loan and lease loss provision to assets | 3.4249% | 20 |
| Net operating income to assets | -2.0466% | 5,131 |
| Return on assets (ROA) | -2.0329% | 5,132 |
| Pretax return on assets | -2.0329% | 5,130 |
| Return on Equity (ROE) | -22.8798% | 5,155 |
| Retained earnings to average equity (ytd only) | -24.5007% | 5,150 |
| Net charge-offs to loans | 4.0809% | 21 |
| Credit loss provision to net charge-offs | 124.1775% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.4997% | 3,610 |
| Efficiency ratio | 68.9588% | 2,320 |
| Assets per employee ($millions) | 4.1986% | 3,635 |
| Cash dividends to net income (ytd only)* | -7.0847% | 5,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2690% | 298 |
| Loan loss allowance to noncurrent loans | 36.7553% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 5.0255% | 58 |
| Noncurrent loans to loans | 6.1732% | 66 |
| Net loans and leases to total assets | 55.5151% | 3,958 |
| Net loans and leases to deposits | 70.0889% | 3,663 |
| Net loans and leases to core deposits | 72.1156% | 3,851 |
| Total domestic deposits to total assets | 79.2067% | 4,146 |
| Equity capital to assets | 8.1306% | 5,029 |
| Core capital (leverage) ratio | 8.2555% | 4,958 |
| Tier 1 risk-based capital ratio | 11.2886% | 4,739 |
| Total risk-based capital ratio | 12.5452% | 4,622 |
| Memoranda: | ||
| Average total assets | $138,864,600 | 3,453 |
| Average earning assets | $122,840,800 | 3,523 |
| Average equity | $12,338,400 | 3,952 |
| Average total loans | $93,851,600 | 3,323 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1919% | 1,059 |
| Cost of funding earning assets | 1.0095% | 1,722 |
| Net interest margin | 4.1824% | 1,413 |
| Noninterest income to average assets | 0.9052% | 1,129 |
| Noninterest expense to average assets | 3.4501% | 1,010 |
| Loan and lease loss provision to assets | 4.4196% | 10 |
| Net operating income to assets | -3.2669% | 5,227 |
| Return on assets (ROA) | -3.2484% | 5,227 |
| Pretax return on assets | -3.2484% | 5,224 |
| Return on Equity (ROE) | -35.7448% | 5,243 |
| Retained earnings to average equity (ytd only) | -37.8890% | 5,237 |
| Net charge-offs to loans | 5.1413% | 12 |
| Credit loss provision to net charge-offs | 121.9683% | 1,931 |
| Earnings coverage of net charge-offs (x) | 0.3181% | 3,366 |
| Efficiency ratio | 74.9577% | 1,450 |
| Assets per employee ($millions) | 3.8351% | 4,121 |
| Cash dividends to net income (ytd only)* | -5.9988% | 5,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8097% | 661 |
| Loan loss allowance to noncurrent loans | 49.2686% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 4.1551% | 102 |
| Noncurrent loans to loans | 3.6732% | 206 |
| Net loans and leases to total assets | 68.2525% | 2,753 |
| Net loans and leases to deposits | 87.1846% | 2,037 |
| Net loans and leases to core deposits | 90.4919% | 2,503 |
| Total domestic deposits to total assets | 78.2851% | 4,303 |
| Equity capital to assets | 8.0600% | 5,113 |
| Core capital (leverage) ratio | 8.0374% | 5,111 |
| Tier 1 risk-based capital ratio | 9.7758% | 5,211 |
| Total risk-based capital ratio | 11.0289% | 5,188 |
| Memoranda: | ||
| Average total assets | $136,843,000 | 3,510 |
| Average earning assets | $120,980,000 | 3,590 |
| Average equity | $12,436,000 | 3,981 |
| Average total loans | $96,446,000 | 3,316 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1068% | 1,199 |
| Cost of funding earning assets | 0.9417% | 1,958 |
| Net interest margin | 4.1651% | 1,440 |
| Noninterest income to average assets | 0.9988% | 872 |
| Noninterest expense to average assets | 3.4848% | 978 |
| Loan and lease loss provision to assets | 3.9628% | 13 |
| Net operating income to assets | -2.7834% | 5,272 |
| Return on assets (ROA) | -2.7553% | 5,271 |
| Pretax return on assets | -2.7553% | 5,268 |
| Return on Equity (ROE) | -29.1644% | 5,286 |
| Retained earnings to average equity (ytd only) | -30.1825% | 5,273 |
| Net charge-offs to loans | 5.9425% | 9 |
| Credit loss provision to net charge-offs | 94.1632% | 2,082 |
| Earnings coverage of net charge-offs (x) | 0.2802% | 3,095 |
| Efficiency ratio | 74.7145% | 1,556 |
| Assets per employee ($millions) | 3.6678% | 4,287 |
| Cash dividends to net income (ytd only)* | -3.4909% | 5,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8105% | 4,406 |
| Loan loss allowance to noncurrent loans | 18.6036% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 4.8450% | 79 |
| Noncurrent loans to loans | 4.3567% | 147 |
| Net loans and leases to total assets | 72.3229% | 2,169 |
| Net loans and leases to deposits | 87.1613% | 2,110 |
| Net loans and leases to core deposits | 90.4148% | 2,564 |
| Total domestic deposits to total assets | 82.9759% | 3,214 |
| Equity capital to assets | 8.3591% | 5,092 |
| Core capital (leverage) ratio | 8.0994% | 5,139 |
| Tier 1 risk-based capital ratio | 9.9544% | 5,233 |
| Total risk-based capital ratio | 10.6581% | 5,267 |
| Memoranda: | ||
| Average total assets | $135,158,000 | 3,554 |
| Average earning assets | $118,940,000 | 3,635 |
| Average equity | $12,769,000 | 3,960 |
| Average total loans | $95,716,670 | 3,344 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9036% | 1,575 |
| Cost of funding earning assets | 0.7976% | 2,550 |
| Net interest margin | 4.1061% | 1,533 |
| Noninterest income to average assets | 1.3641% | 457 |
| Noninterest expense to average assets | 3.4904% | 977 |
| Loan and lease loss provision to assets | 0.2847% | 474 |
| Net operating income to assets | 1.1921% | 2,090 |
| Return on assets (ROA) | 1.2485% | 1,943 |
| Pretax return on assets | 1.2485% | 2,638 |
| Return on Equity (ROE) | 12.4912% | 1,383 |
| Retained earnings to average equity (ytd only) | 12.4912% | 539 |
| Net charge-offs to loans | 0.5143% | 288 |
| Credit loss provision to net charge-offs | 79.3388% | 1,787 |
| Earnings coverage of net charge-offs (x) | 4.1157% | 2,347 |
| Efficiency ratio | 70.2687% | 2,295 |
| Assets per employee ($millions) | 3.8654% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 3,643 |
| Loan loss allowance to noncurrent loans | 12.4702% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 6.8074% | 37 |
| Noncurrent loans to loans | 8.0798% | 45 |
| Net loans and leases to total assets | 64.7793% | 3,197 |
| Net loans and leases to deposits | 78.0628% | 3,051 |
| Net loans and leases to core deposits | 80.4613% | 3,321 |
| Total domestic deposits to total assets | 82.9836% | 3,393 |
| Equity capital to assets | 9.5734% | 4,190 |
| Core capital (leverage) ratio | 10.0229% | 3,578 |
| Tier 1 risk-based capital ratio | 11.8205% | 4,555 |
| Total risk-based capital ratio | 12.6346% | 4,696 |
| Memoranda: | ||
| Average total assets | $134,883,000 | 3,597 |
| Average earning assets | $118,361,500 | 3,678 |
| Average equity | $13,481,500 | 3,876 |
| Average total loans | $94,100,000 | 3,407 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4281% | 462 |
| Cost of funding earning assets | 0.7316% | 1,890 |
| Net interest margin | 4.6965% | 491 |
| Noninterest income to average assets | 0.8708% | 1,258 |
| Noninterest expense to average assets | 3.7409% | 733 |
| Loan and lease loss provision to assets | 0.4805% | 252 |
| Net operating income to assets | 0.7897% | 3,843 |
| Return on assets (ROA) | 0.5858% | 4,465 |
| Pretax return on assets | 0.5858% | 4,659 |
| Return on Equity (ROE) | 5.7574% | 4,248 |
| Retained earnings to average equity (ytd only) | 0.8938% | 4,742 |
| Net charge-offs to loans | 0.7584% | 207 |
| Credit loss provision to net charge-offs | 83.4211% | 2,817 |
| Earnings coverage of net charge-offs (x) | 2.2053% | 3,548 |
| Efficiency ratio | 74.6521% | 1,543 |
| Assets per employee ($millions) | 3.4255% | 4,633 |
| Cash dividends to net income (ytd only)* | 84.4761% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,540 |
| Loan loss allowance to noncurrent loans | 19.6828% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 5.6988% | 58 |
| Noncurrent loans to loans | 5.1982% | 102 |
| Net loans and leases to total assets | 73.8814% | 1,956 |
| Net loans and leases to deposits | 90.9851% | 1,671 |
| Net loans and leases to core deposits | 94.9513% | 2,145 |
| Total domestic deposits to total assets | 81.2016% | 3,843 |
| Equity capital to assets | 10.4706% | 3,219 |
| Core capital (leverage) ratio | 9.9613% | 3,627 |
| Tier 1 risk-based capital ratio | 12.0946% | 4,368 |
| Total risk-based capital ratio | 12.9768% | 4,485 |
| Memoranda: | ||
| Average total assets | $131,945,400 | 3,627 |
| Average earning assets | $116,321,600 | 3,712 |
| Average equity | $13,426,200 | 3,827 |
| Average total loans | $100,207,800 | 3,290 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3717% | 456 |
| Cost of funding earning assets | 0.6552% | 2,121 |
| Net interest margin | 4.7165% | 455 |
| Noninterest income to average assets | 0.8796% | 1,254 |
| Noninterest expense to average assets | 3.7124% | 745 |
| Loan and lease loss provision to assets | 0.2882% | 518 |
| Net operating income to assets | 1.0567% | 2,841 |
| Return on assets (ROA) | 1.0317% | 2,963 |
| Pretax return on assets | 1.0317% | 3,631 |
| Return on Equity (ROE) | 10.2089% | 2,528 |
| Retained earnings to average equity (ytd only) | 6.7828% | 2,247 |
| Net charge-offs to loans | 0.5931% | 250 |
| Credit loss provision to net charge-offs | 63.7168% | 2,702 |
| Earnings coverage of net charge-offs (x) | 2.9735% | 3,203 |
| Efficiency ratio | 73.4072% | 1,672 |
| Assets per employee ($millions) | 3.5259% | 4,525 |
| Cash dividends to net income (ytd only)* | 33.5596% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8544% | 4,444 |
| Loan loss allowance to noncurrent loans | 46.5699% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 2.6195% | 322 |
| Noncurrent loans to loans | 1.8346% | 837 |
| Net loans and leases to total assets | 78.4829% | 1,263 |
| Net loans and leases to deposits | 105.1759% | 475 |
| Net loans and leases to core deposits | 110.0494% | 1,030 |
| Total domestic deposits to total assets | 74.6206% | 4,924 |
| Equity capital to assets | 10.0619% | 3,577 |
| Core capital (leverage) ratio | 9.2075% | 4,506 |
| Tier 1 risk-based capital ratio | 10.2800% | 5,301 |
| Total risk-based capital ratio | 11.0464% | 5,378 |
| Memoranda: | ||
| Average total assets | $133,245,500 | 3,634 |
| Average earning assets | $118,022,000 | 3,718 |
| Average equity | $13,465,000 | 3,855 |
| Average total loans | $101,607,500 | 3,302 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3476% | 431 |
| Cost of funding earning assets | 0.5595% | 2,524 |
| Net interest margin | 4.7882% | 368 |
| Noninterest income to average assets | 0.6463% | 2,110 |
| Noninterest expense to average assets | 3.7595% | 700 |
| Loan and lease loss provision to assets | 0.2913% | 480 |
| Net operating income to assets | 0.8284% | 3,757 |
| Return on assets (ROA) | 0.7904% | 3,886 |
| Pretax return on assets | 0.7904% | 4,275 |
| Return on Equity (ROE) | 7.8103% | 3,586 |
| Retained earnings to average equity (ytd only) | 5.3368% | 2,916 |
| Net charge-offs to loans | 0.5424% | 271 |
| Credit loss provision to net charge-offs | 71.3755% | 2,340 |
| Earnings coverage of net charge-offs (x) | 2.7435% | 2,948 |
| Efficiency ratio | 77.0522% | 1,308 |
| Assets per employee ($millions) | 3.6797% | 4,375 |
| Cash dividends to net income (ytd only)* | 31.6699% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 4,109 |
| Loan loss allowance to noncurrent loans | 105.3886% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.7988% | 650 |
| Noncurrent loans to loans | 0.9027% | 1,916 |
| Net loans and leases to total assets | 77.7714% | 1,351 |
| Net loans and leases to deposits | 101.8958% | 670 |
| Net loans and leases to core deposits | 105.7412% | 1,258 |
| Total domestic deposits to total assets | 76.3245% | 4,827 |
| Equity capital to assets | 9.9207% | 3,702 |
| Core capital (leverage) ratio | 9.1018% | 4,590 |
| Tier 1 risk-based capital ratio | 10.2300% | 5,360 |
| Total risk-based capital ratio | 11.0885% | 5,413 |
| Memoranda: | ||
| Average total assets | $131,824,330 | 3,676 |
| Average earning assets | $116,537,670 | 3,767 |
| Average equity | $13,341,330 | 3,892 |
| Average total loans | $99,193,000 | 3,349 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0105% | 685 |
| Cost of funding earning assets | 0.4765% | 2,995 |
| Net interest margin | 4.5339% | 577 |
| Noninterest income to average assets | 0.7435% | 1,644 |
| Noninterest expense to average assets | 3.6988% | 759 |
| Loan and lease loss provision to assets | 0.2962% | 440 |
| Net operating income to assets | 0.7404% | 3,945 |
| Return on assets (ROA) | 0.6633% | 4,237 |
| Pretax return on assets | 0.6633% | 4,533 |
| Return on Equity (ROE) | 6.4864% | 3,989 |
| Retained earnings to average equity (ytd only) | 6.4864% | 2,510 |
| Net charge-offs to loans | 1.0992% | 127 |
| Credit loss provision to net charge-offs | 36.6412% | 2,035 |
| Earnings coverage of net charge-offs (x) | 1.2824% | 2,574 |
| Efficiency ratio | 78.1107% | 1,346 |
| Assets per employee ($millions) | 3.4845% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 4,234 |
| Loan loss allowance to noncurrent loans | 19.6986% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 4.5623% | 115 |
| Noncurrent loans to loans | 4.8059% | 167 |
| Net loans and leases to total assets | 75.3130% | 1,655 |
| Net loans and leases to deposits | 96.1528% | 1,024 |
| Net loans and leases to core deposits | 99.9990% | 1,690 |
| Total domestic deposits to total assets | 78.3263% | 4,679 |
| Equity capital to assets | 10.3672% | 3,200 |
| Core capital (leverage) ratio | 8.3874% | 5,213 |
| Tier 1 risk-based capital ratio | 9.9937% | 5,506 |
| Total risk-based capital ratio | 10.8401% | 5,531 |
| Memoranda: | ||
| Average total assets | $129,662,000 | 3,756 |
| Average earning assets | $114,161,000 | 3,842 |
| Average equity | $13,258,500 | 3,936 |
| Average total loans | $95,338,500 | 3,437 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8912% | 810 |
| Cost of funding earning assets | 0.4905% | 2,420 |
| Net interest margin | 4.4007% | 767 |
| Noninterest income to average assets | 0.7492% | 1,777 |
| Noninterest expense to average assets | 3.4903% | 1,057 |
| Loan and lease loss provision to assets | 0.3509% | 448 |
| Net operating income to assets | 0.8033% | 3,142 |
| Return on assets (ROA) | 0.7763% | 3,312 |
| Pretax return on assets | 0.7763% | 4,314 |
| Return on Equity (ROE) | 8.1129% | 2,748 |
| Retained earnings to average equity (ytd only) | 3.8578% | 2,898 |
| Net charge-offs to loans | 0.4509% | 532 |
| Credit loss provision to net charge-offs | 108.8435% | 2,392 |
| Earnings coverage of net charge-offs (x) | 3.5805% | 3,585 |
| Efficiency ratio | 75.1495% | 1,747 |
| Assets per employee ($millions) | 3.3435% | 4,890 |
| Cash dividends to net income (ytd only)* | 52.4482% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 2,896 |
| Loan loss allowance to noncurrent loans | 67.7399% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 2.1503% | 499 |
| Noncurrent loans to loans | 1.7431% | 927 |
| Net loans and leases to total assets | 70.2135% | 2,492 |
| Net loans and leases to deposits | 94.1838% | 1,250 |
| Net loans and leases to core deposits | 97.7766% | 1,876 |
| Total domestic deposits to total assets | 74.5495% | 5,131 |
| Equity capital to assets | 10.0853% | 3,610 |
| Core capital (leverage) ratio | 8.0710% | 5,412 |
| Tier 1 risk-based capital ratio | 10.1571% | 5,495 |
| Total risk-based capital ratio | 11.1951% | 5,496 |
| Memoranda: | ||
| Average total assets | $136,808,000 | 3,652 |
| Average earning assets | $121,095,600 | 3,724 |
| Average equity | $13,090,200 | 3,971 |
| Average total loans | $97,797,200 | 3,384 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8081% | 913 |
| Cost of funding earning assets | 0.4666% | 2,552 |
| Net interest margin | 4.3415% | 833 |
| Noninterest income to average assets | 0.7302% | 1,867 |
| Noninterest expense to average assets | 3.4312% | 1,102 |
| Loan and lease loss provision to assets | 0.2206% | 842 |
| Net operating income to assets | 0.9325% | 2,870 |
| Return on assets (ROA) | 0.9180% | 2,996 |
| Pretax return on assets | 0.9180% | 3,977 |
| Return on Equity (ROE) | 9.7180% | 2,245 |
| Retained earnings to average equity (ytd only) | 8.5657% | 984 |
| Net charge-offs to loans | 0.1736% | 1,207 |
| Credit loss provision to net charge-offs | 177.5194% | 1,487 |
| Earnings coverage of net charge-offs (x) | 9.2788% | 2,708 |
| Efficiency ratio | 74.8477% | 1,768 |
| Assets per employee ($millions) | 3.5244% | 4,695 |
| Cash dividends to net income (ytd only)* | 11.8571% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 3,546 |
| Loan loss allowance to noncurrent loans | 70.5990% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 2.0487% | 619 |
| Noncurrent loans to loans | 1.5435% | 1,208 |
| Net loans and leases to total assets | 76.2724% | 1,542 |
| Net loans and leases to deposits | 112.1466% | 214 |
| Net loans and leases to core deposits | 116.5929% | 728 |
| Total domestic deposits to total assets | 68.0114% | 5,537 |
| Equity capital to assets | 9.8114% | 4,135 |
| Core capital (leverage) ratio | 8.2168% | 5,410 |
| Tier 1 risk-based capital ratio | 9.4088% | 5,680 |
| Total risk-based capital ratio | 10.3926% | 5,689 |
| Memoranda: | ||
| Average total assets | $138,410,500 | 3,671 |
| Average earning assets | $122,872,500 | 3,736 |
| Average equity | $13,075,000 | 4,015 |
| Average total loans | $99,083,750 | 3,392 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6244% | 1,205 |
| Cost of funding earning assets | 0.4388% | 2,708 |
| Net interest margin | 4.1856% | 1,106 |
| Noninterest income to average assets | 0.7338% | 1,846 |
| Noninterest expense to average assets | 3.3922% | 1,187 |
| Loan and lease loss provision to assets | 0.1788% | 1,067 |
| Net operating income to assets | 0.8895% | 2,970 |
| Return on assets (ROA) | 0.8679% | 3,136 |
| Pretax return on assets | 0.8679% | 4,048 |
| Return on Equity (ROE) | 9.3059% | 2,359 |
| Retained earnings to average equity (ytd only) | 9.3059% | 757 |
| Net charge-offs to loans | 0.1591% | 1,210 |
| Credit loss provision to net charge-offs | 161.0390% | 1,456 |
| Earnings coverage of net charge-offs (x) | 9.6234% | 2,417 |
| Efficiency ratio | 76.0504% | 1,714 |
| Assets per employee ($millions) | 3.5163% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,784 |
| Loan loss allowance to noncurrent loans | 79.9130% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.9740% | 651 |
| Noncurrent loans to loans | 1.3285% | 1,459 |
| Net loans and leases to total assets | 74.8919% | 1,712 |
| Net loans and leases to deposits | 107.3603% | 343 |
| Net loans and leases to core deposits | 111.9171% | 907 |
| Total domestic deposits to total assets | 69.7575% | 5,544 |
| Equity capital to assets | 9.6606% | 4,266 |
| Core capital (leverage) ratio | 8.0729% | 5,497 |
| Tier 1 risk-based capital ratio | 9.2922% | 5,724 |
| Total risk-based capital ratio | 10.2413% | 5,737 |
| Memoranda: | ||
| Average total assets | $138,730,000 | 3,687 |
| Average earning assets | $123,519,000 | 3,745 |
| Average equity | $12,938,000 | 4,043 |
| Average total loans | $96,780,670 | 3,440 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4267% | 1,565 |
| Cost of funding earning assets | 0.4314% | 2,704 |
| Net interest margin | 3.9953% | 1,487 |
| Noninterest income to average assets | 0.7368% | 1,796 |
| Noninterest expense to average assets | 3.2825% | 1,422 |
| Loan and lease loss provision to assets | 0.1835% | 936 |
| Net operating income to assets | 0.8285% | 3,085 |
| Return on assets (ROA) | 0.7855% | 3,339 |
| Pretax return on assets | 0.7855% | 4,163 |
| Return on Equity (ROE) | 8.5739% | 2,629 |
| Retained earnings to average equity (ytd only) | 8.5739% | 1,243 |
| Net charge-offs to loans | 0.0172% | 2,443 |
| Credit loss provision to net charge-offs | 1,600.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 88.2500% | 608 |
| Efficiency ratio | 76.4352% | 1,845 |
| Assets per employee ($millions) | 3.8042% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 3,338 |
| Loan loss allowance to noncurrent loans | 253.4091% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 1.2646% | 1,353 |
| Noncurrent loans to loans | 0.4597% | 3,453 |
| Net loans and leases to total assets | 67.2090% | 2,787 |
| Net loans and leases to deposits | 90.0524% | 1,527 |
| Net loans and leases to core deposits | 93.1515% | 2,053 |
| Total domestic deposits to total assets | 74.6332% | 5,365 |
| Equity capital to assets | 9.1791% | 4,637 |
| Core capital (leverage) ratio | 7.2982% | 5,737 |
| Tier 1 risk-based capital ratio | 9.0031% | 5,805 |
| Total risk-based capital ratio | 9.9651% | 5,817 |
| Memoranda: | ||
| Average total assets | $139,527,500 | 3,701 |
| Average earning assets | $124,245,000 | 3,766 |
| Average equity | $12,783,000 | 4,090 |
| Average total loans | $93,268,500 | 3,531 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7312% | 1,005 |
| Cost of funding earning assets | 0.4303% | 2,701 |
| Net interest margin | 4.3009% | 930 |
| Noninterest income to average assets | 0.3525% | 4,207 |
| Noninterest expense to average assets | 3.4114% | 1,328 |
| Loan and lease loss provision to assets | 0.3271% | 549 |
| Net operating income to assets | 0.4352% | 4,838 |
| Return on assets (ROA) | 0.3859% | 5,074 |
| Pretax return on assets | 0.3859% | 5,244 |
| Return on Equity (ROE) | 4.1268% | 4,788 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,302 |
| Net charge-offs to loans | 0.3291% | 838 |
| Credit loss provision to net charge-offs | 144.5513% | 1,896 |
| Earnings coverage of net charge-offs (x) | 3.3686% | 3,679 |
| Efficiency ratio | 81.7344% | 1,236 |
| Assets per employee ($millions) | 3.5462% | 4,685 |
| Cash dividends to net income (ytd only)* | 100.0000% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 3,359 |
| Loan loss allowance to noncurrent loans | 116.1894% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.9928% | 691 |
| Noncurrent loans to loans | 0.9998% | 2,090 |
| Net loans and leases to total assets | 64.9074% | 3,230 |
| Net loans and leases to deposits | 90.6454% | 1,617 |
| Net loans and leases to core deposits | 94.1260% | 2,093 |
| Total domestic deposits to total assets | 71.6059% | 5,588 |
| Equity capital to assets | 9.1439% | 4,653 |
| Core capital (leverage) ratio | 7.7376% | 5,698 |
| Tier 1 risk-based capital ratio | 9.4119% | 5,825 |
| Total risk-based capital ratio | 10.3351% | 5,853 |
| Memoranda: | ||
| Average total assets | $137,861,800 | 3,706 |
| Average earning assets | $122,486,000 | 3,784 |
| Average equity | $12,891,400 | 4,106 |
| Average total loans | $94,796,800 | 3,486 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7495% | 985 |
| Cost of funding earning assets | 0.4224% | 2,817 |
| Net interest margin | 4.3270% | 882 |
| Noninterest income to average assets | 0.7095% | 2,128 |
| Noninterest expense to average assets | 3.3731% | 1,402 |
| Loan and lease loss provision to assets | 0.3262% | 503 |
| Net operating income to assets | 0.8469% | 3,171 |
| Return on assets (ROA) | 0.7995% | 3,508 |
| Pretax return on assets | 0.7995% | 4,313 |
| Return on Equity (ROE) | 8.5025% | 2,761 |
| Retained earnings to average equity (ytd only) | 5.6512% | 2,402 |
| Net charge-offs to loans | 0.0807% | 2,169 |
| Credit loss provision to net charge-offs | 581.0345% | 628 |
| Earnings coverage of net charge-offs (x) | 20.8969% | 1,846 |
| Efficiency ratio | 74.1963% | 2,251 |
| Assets per employee ($millions) | 3.6740% | 4,528 |
| Cash dividends to net income (ytd only)* | 33.5346% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 3,579 |
| Loan loss allowance to noncurrent loans | 56.9862% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 2.7868% | 451 |
| Noncurrent loans to loans | 2.0073% | 973 |
| Net loans and leases to total assets | 72.0745% | 2,182 |
| Net loans and leases to deposits | 106.4813% | 366 |
| Net loans and leases to core deposits | 111.3169% | 847 |
| Total domestic deposits to total assets | 67.6875% | 5,774 |
| Equity capital to assets | 9.2089% | 4,963 |
| Core capital (leverage) ratio | 8.1568% | 5,604 |
| Tier 1 risk-based capital ratio | 9.2734% | 5,904 |
| Total risk-based capital ratio | 10.2520% | 5,920 |
| Memoranda: | ||
| Average total assets | $137,752,250 | 3,732 |
| Average earning assets | $122,144,250 | 3,814 |
| Average equity | $12,952,750 | 4,133 |
| Average total loans | $95,790,500 | 3,475 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 1,145 |
| Cost of funding earning assets | 0.4244% | 2,783 |
| Net interest margin | 4.2352% | 1,046 |
| Noninterest income to average assets | 0.7137% | 2,074 |
| Noninterest expense to average assets | 3.3670% | 1,441 |
| Loan and lease loss provision to assets | 0.2870% | 640 |
| Net operating income to assets | 0.8197% | 3,218 |
| Return on assets (ROA) | 0.8167% | 3,369 |
| Pretax return on assets | 0.8167% | 4,226 |
| Return on Equity (ROE) | 8.6234% | 2,682 |
| Retained earnings to average equity (ytd only) | 6.6190% | 1,800 |
| Net charge-offs to loans | -0.0194% | 4,934 |
| Credit loss provision to net charge-offs | -2,166.6667% | 5,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2632% | 2,187 |
| Assets per employee ($millions) | 3.7012% | 4,436 |
| Cash dividends to net income (ytd only)* | 23.2432% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 3,853 |
| Loan loss allowance to noncurrent loans | 101.5413% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 2.1980% | 702 |
| Noncurrent loans to loans | 1.1007% | 2,088 |
| Net loans and leases to total assets | 72.3595% | 2,114 |
| Net loans and leases to deposits | 98.0274% | 889 |
| Net loans and leases to core deposits | 102.2685% | 1,451 |
| Total domestic deposits to total assets | 73.8156% | 5,535 |
| Equity capital to assets | 9.5455% | 4,720 |
| Core capital (leverage) ratio | 8.2892% | 5,543 |
| Tier 1 risk-based capital ratio | 9.1163% | 5,991 |
| Total risk-based capital ratio | 10.0549% | 6,003 |
| Memoranda: | ||
| Average total assets | $135,908,000 | 3,782 |
| Average earning assets | $120,654,330 | 3,865 |
| Average equity | $12,872,000 | 4,164 |
| Average total loans | $92,898,330 | 3,550 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5261% | 1,436 |
| Cost of funding earning assets | 0.4239% | 2,826 |
| Net interest margin | 4.1022% | 1,340 |
| Noninterest income to average assets | 0.6972% | 2,056 |
| Noninterest expense to average assets | 3.2942% | 1,618 |
| Loan and lease loss provision to assets | 0.2895% | 557 |
| Net operating income to assets | 0.7445% | 3,515 |
| Return on assets (ROA) | 0.7445% | 3,622 |
| Pretax return on assets | 0.7445% | 4,382 |
| Return on Equity (ROE) | 7.8923% | 2,977 |
| Retained earnings to average equity (ytd only) | 7.8923% | 1,505 |
| Net charge-offs to loans | 0.1883% | 1,037 |
| Credit loss provision to net charge-offs | 233.3333% | 984 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 2,061 |
| Efficiency ratio | 76.1092% | 2,161 |
| Assets per employee ($millions) | 3.6968% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 4,178 |
| Loan loss allowance to noncurrent loans | 103.5144% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 2.4813% | 601 |
| Noncurrent loans to loans | 1.0416% | 2,304 |
| Net loans and leases to total assets | 65.1994% | 3,078 |
| Net loans and leases to deposits | 86.3178% | 2,032 |
| Net loans and leases to core deposits | 89.9700% | 2,377 |
| Total domestic deposits to total assets | 75.5341% | 5,469 |
| Equity capital to assets | 9.4296% | 4,739 |
| Core capital (leverage) ratio | 7.8515% | 5,831 |
| Tier 1 risk-based capital ratio | 9.2479% | 6,040 |
| Total risk-based capital ratio | 10.0886% | 6,062 |
| Memoranda: | ||
| Average total assets | $135,390,000 | 3,813 |
| Average earning assets | $119,839,000 | 3,909 |
| Average equity | $12,772,000 | 4,196 |
| Average total loans | $89,241,500 | 3,634 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4531% | 1,732 |
| Cost of funding earning assets | 0.4258% | 2,889 |
| Net interest margin | 4.0273% | 1,626 |
| Noninterest income to average assets | 0.7442% | 2,007 |
| Noninterest expense to average assets | 3.5443% | 1,222 |
| Loan and lease loss provision to assets | 0.3268% | 497 |
| Net operating income to assets | 0.4694% | 4,815 |
| Return on assets (ROA) | 0.4694% | 4,894 |
| Pretax return on assets | 0.4694% | 5,177 |
| Return on Equity (ROE) | 4.9477% | 4,530 |
| Retained earnings to average equity (ytd only) | 0.7672% | 5,214 |
| Net charge-offs to loans | 0.5510% | 450 |
| Credit loss provision to net charge-offs | 90.7216% | 2,747 |
| Earnings coverage of net charge-offs (x) | 2.2103% | 3,953 |
| Efficiency ratio | 81.6564% | 1,449 |
| Assets per employee ($millions) | 3.6216% | 4,605 |
| Cash dividends to net income (ytd only)* | 84.4937% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 4,400 |
| Loan loss allowance to noncurrent loans | 89.1051% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 2.5314% | 609 |
| Noncurrent loans to loans | 1.1638% | 2,033 |
| Net loans and leases to total assets | 65.2353% | 3,090 |
| Net loans and leases to deposits | 82.6180% | 2,521 |
| Net loans and leases to core deposits | 84.7733% | 2,910 |
| Total domestic deposits to total assets | 78.9601% | 4,986 |
| Equity capital to assets | 9.4375% | 4,626 |
| Core capital (leverage) ratio | 8.2889% | 5,613 |
| Tier 1 risk-based capital ratio | 9.8057% | 5,992 |
| Total risk-based capital ratio | 10.6091% | 6,056 |
| Memoranda: | ||
| Average total assets | $134,639,800 | 3,806 |
| Average earning assets | $120,230,200 | 3,876 |
| Average equity | $12,773,600 | 4,180 |
| Average total loans | $88,025,400 | 3,631 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3341% | 2,125 |
| Cost of funding earning assets | 0.4308% | 2,899 |
| Net interest margin | 3.9033% | 2,023 |
| Noninterest income to average assets | 0.7309% | 2,104 |
| Noninterest expense to average assets | 3.1997% | 1,966 |
| Loan and lease loss provision to assets | 0.2888% | 530 |
| Net operating income to assets | 0.7468% | 3,692 |
| Return on assets (ROA) | 0.7468% | 3,792 |
| Pretax return on assets | 0.7468% | 4,510 |
| Return on Equity (ROE) | 7.8610% | 3,161 |
| Retained earnings to average equity (ytd only) | 5.8307% | 2,346 |
| Net charge-offs to loans | 0.6867% | 315 |
| Credit loss provision to net charge-offs | 64.4592% | 2,850 |
| Earnings coverage of net charge-offs (x) | 2.3113% | 3,688 |
| Efficiency ratio | 75.5488% | 2,309 |
| Assets per employee ($millions) | 3.8523% | 4,173 |
| Cash dividends to net income (ytd only)* | 25.8275% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8217% | 5,463 |
| Loan loss allowance to noncurrent loans | 48.1928% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 2.9744% | 514 |
| Noncurrent loans to loans | 1.7049% | 1,414 |
| Net loans and leases to total assets | 69.6288% | 2,443 |
| Net loans and leases to deposits | 96.8351% | 921 |
| Net loans and leases to core deposits | 104.8185% | 1,181 |
| Total domestic deposits to total assets | 71.9045% | 5,864 |
| Equity capital to assets | 9.4517% | 4,809 |
| Core capital (leverage) ratio | 8.3389% | 5,685 |
| Tier 1 risk-based capital ratio | 9.4477% | 6,153 |
| Total risk-based capital ratio | 10.1149% | 6,191 |
| Memoranda: | ||
| Average total assets | $134,800,250 | 3,847 |
| Average earning assets | $121,022,750 | 3,901 |
| Average equity | $12,805,500 | 4,218 |
| Average total loans | $87,949,250 | 3,670 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1859% | 2,598 |
| Cost of funding earning assets | 0.4281% | 2,950 |
| Net interest margin | 3.7578% | 2,486 |
| Noninterest income to average assets | 0.7266% | 2,106 |
| Noninterest expense to average assets | 3.2044% | 1,972 |
| Loan and lease loss provision to assets | 0.2921% | 540 |
| Net operating income to assets | 0.6097% | 4,295 |
| Return on assets (ROA) | 0.6097% | 4,412 |
| Pretax return on assets | 0.6097% | 4,950 |
| Return on Equity (ROE) | 6.4071% | 3,928 |
| Retained earnings to average equity (ytd only) | 5.3209% | 2,658 |
| Net charge-offs to loans | 1.0423% | 196 |
| Credit loss provision to net charge-offs | 44.1176% | 2,765 |
| Earnings coverage of net charge-offs (x) | 1.3620% | 3,531 |
| Efficiency ratio | 78.0372% | 2,067 |
| Assets per employee ($millions) | 3.6928% | 4,441 |
| Cash dividends to net income (ytd only)* | 16.9533% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7729% | 5,661 |
| Loan loss allowance to noncurrent loans | 48.1132% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 2.6155% | 702 |
| Noncurrent loans to loans | 1.6064% | 1,633 |
| Net loans and leases to total assets | 68.9557% | 2,493 |
| Net loans and leases to deposits | 90.8018% | 1,502 |
| Net loans and leases to core deposits | 98.4735% | 1,614 |
| Total domestic deposits to total assets | 75.9408% | 5,604 |
| Equity capital to assets | 9.6932% | 4,406 |
| Core capital (leverage) ratio | 8.5852% | 5,456 |
| Tier 1 risk-based capital ratio | 9.4670% | 6,208 |
| Total risk-based capital ratio | 10.0762% | 6,260 |
| Memoranda: | ||
| Average total assets | $133,505,670 | 3,899 |
| Average earning assets | $120,069,000 | 3,941 |
| Average equity | $12,704,670 | 4,261 |
| Average total loans | $84,811,000 | 3,756 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9848% | 3,281 |
| Cost of funding earning assets | 0.4235% | 3,024 |
| Net interest margin | 3.5613% | 3,171 |
| Noninterest income to average assets | 0.7385% | 1,973 |
| Noninterest expense to average assets | 3.2469% | 1,850 |
| Loan and lease loss provision to assets | 0.2900% | 510 |
| Net operating income to assets | 0.3947% | 5,086 |
| Return on assets (ROA) | 0.3947% | 5,199 |
| Pretax return on assets | 0.3947% | 5,444 |
| Return on Equity (ROE) | 4.1858% | 4,895 |
| Retained earnings to average equity (ytd only) | 4.1858% | 3,495 |
| Net charge-offs to loans | 1.1848% | 185 |
| Credit loss provision to net charge-offs | 40.4167% | 2,183 |
| Earnings coverage of net charge-offs (x) | 0.9542% | 2,987 |
| Efficiency ratio | 82.5856% | 1,550 |
| Assets per employee ($millions) | 3.7274% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 5,099 |
| Loan loss allowance to noncurrent loans | 38.9338% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 3.4139% | 494 |
| Noncurrent loans to loans | 2.5354% | 955 |
| Net loans and leases to total assets | 61.1441% | 3,509 |
| Net loans and leases to deposits | 77.7375% | 2,838 |
| Net loans and leases to core deposits | 84.4732% | 2,717 |
| Total domestic deposits to total assets | 78.6546% | 5,326 |
| Equity capital to assets | 9.4494% | 4,805 |
| Core capital (leverage) ratio | 6.1695% | 6,320 |
| Tier 1 risk-based capital ratio | 7.1567% | 6,373 |
| Total risk-based capital ratio | 7.8739% | 6,382 |
| Memoranda: | ||
| Average total assets | $133,789,000 | 3,926 |
| Average earning assets | $119,956,000 | 3,975 |
| Average equity | $12,614,000 | 4,302 |
| Average total loans | $81,025,000 | 3,860 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2066% | 2,934 |
| Cost of funding earning assets | 0.4486% | 3,183 |
| Net interest margin | 3.7580% | 2,778 |
| Noninterest income to average assets | 0.8046% | 1,856 |
| Noninterest expense to average assets | 3.2364% | 2,108 |
| Loan and lease loss provision to assets | 0.2698% | 807 |
| Net operating income to assets | 0.6620% | 4,078 |
| Return on assets (ROA) | 0.6620% | 4,179 |
| Pretax return on assets | 0.6620% | 4,751 |
| Return on Equity (ROE) | 6.8548% | 3,717 |
| Retained earnings to average equity (ytd only) | 2.8495% | 4,206 |
| Net charge-offs to loans | 0.2857% | 1,519 |
| Credit loss provision to net charge-offs | 157.4661% | 1,538 |
| Earnings coverage of net charge-offs (x) | 5.4389% | 3,419 |
| Efficiency ratio | 77.6455% | 2,259 |
| Assets per employee ($millions) | 3.8111% | 4,322 |
| Cash dividends to net income (ytd only)* | 58.4309% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 3,911 |
| Loan loss allowance to noncurrent loans | 54.6333% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 4.0205% | 416 |
| Noncurrent loans to loans | 2.2214% | 1,196 |
| Net loans and leases to total assets | 58.6423% | 3,974 |
| Net loans and leases to deposits | 70.9705% | 3,789 |
| Net loans and leases to core deposits | 76.8459% | 3,620 |
| Total domestic deposits to total assets | 82.6291% | 4,207 |
| Equity capital to assets | 9.4070% | 4,831 |
| Core capital (leverage) ratio | 9.6739% | 4,011 |
| Tier 1 risk-based capital ratio | 11.0272% | 5,895 |
| Total risk-based capital ratio | 11.8874% | 5,987 |
| Memoranda: | ||
| Average total assets | $129,003,200 | 3,991 |
| Average earning assets | $115,461,200 | 4,060 |
| Average equity | $12,458,400 | 4,280 |
| Average total loans | $77,356,200 | 3,961 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1949% | 3,005 |
| Cost of funding earning assets | 0.4581% | 3,162 |
| Net interest margin | 3.7368% | 2,865 |
| Noninterest income to average assets | 0.7964% | 1,909 |
| Noninterest expense to average assets | 3.2137% | 2,131 |
| Loan and lease loss provision to assets | 0.1470% | 1,704 |
| Net operating income to assets | 0.7776% | 3,522 |
| Return on assets (ROA) | 0.7776% | 3,631 |
| Pretax return on assets | 0.7776% | 4,437 |
| Return on Equity (ROE) | 7.9981% | 3,205 |
| Retained earnings to average equity (ytd only) | 6.0575% | 2,374 |
| Net charge-offs to loans | 0.2843% | 1,382 |
| Credit loss provision to net charge-offs | 85.9756% | 2,496 |
| Earnings coverage of net charge-offs (x) | 5.4086% | 3,267 |
| Efficiency ratio | 77.6574% | 2,239 |
| Assets per employee ($millions) | 3.4344% | 4,989 |
| Cash dividends to net income (ytd only)* | 24.2630% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 5,381 |
| Loan loss allowance to noncurrent loans | 32.0047% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 5.0454% | 337 |
| Noncurrent loans to loans | 3.0058% | 889 |
| Net loans and leases to total assets | 67.5316% | 2,607 |
| Net loans and leases to deposits | 83.4531% | 2,230 |
| Net loans and leases to core deposits | 90.8314% | 2,135 |
| Total domestic deposits to total assets | 80.9216% | 4,842 |
| Equity capital to assets | 10.3189% | 3,769 |
| Core capital (leverage) ratio | 10.0592% | 3,584 |
| Tier 1 risk-based capital ratio | 11.1578% | 5,929 |
| Total risk-based capital ratio | 11.8812% | 6,112 |
| Memoranda: | ||
| Average total assets | $127,906,500 | 4,048 |
| Average earning assets | $114,390,500 | 4,122 |
| Average equity | $12,436,000 | 4,307 |
| Average total loans | $76,899,250 | 3,996 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9614% | 3,892 |
| Cost of funding earning assets | 0.4540% | 3,284 |
| Net interest margin | 3.5074% | 3,756 |
| Noninterest income to average assets | 0.7500% | 2,044 |
| Noninterest expense to average assets | 3.2290% | 2,107 |
| Loan and lease loss provision to assets | 0.0851% | 2,608 |
| Net operating income to assets | 0.5660% | 4,516 |
| Return on assets (ROA) | 0.5660% | 4,620 |
| Pretax return on assets | 0.5660% | 5,069 |
| Return on Equity (ROE) | 5.9374% | 4,183 |
| Retained earnings to average equity (ytd only) | 3.9258% | 3,684 |
| Net charge-offs to loans | 0.3117% | 1,298 |
| Credit loss provision to net charge-offs | 47.4138% | 2,829 |
| Earnings coverage of net charge-offs (x) | 3.6293% | 3,253 |
| Efficiency ratio | 83.2204% | 1,601 |
| Assets per employee ($millions) | 3.4600% | 4,921 |
| Cash dividends to net income (ytd only)* | 33.8798% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 5,428 |
| Loan loss allowance to noncurrent loans | 48.7697% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 4.2164% | 484 |
| Noncurrent loans to loans | 2.0110% | 1,683 |
| Net loans and leases to total assets | 62.6552% | 3,293 |
| Net loans and leases to deposits | 76.9976% | 2,931 |
| Net loans and leases to core deposits | 83.6879% | 2,771 |
| Total domestic deposits to total assets | 81.3730% | 4,851 |
| Equity capital to assets | 9.9831% | 4,127 |
| Core capital (leverage) ratio | 9.4791% | 4,358 |
| Tier 1 risk-based capital ratio | 11.1793% | 5,971 |
| Total risk-based capital ratio | 11.8902% | 6,148 |
| Memoranda: | ||
| Average total assets | $129,329,670 | 4,045 |
| Average earning assets | $115,414,000 | 4,117 |
| Average equity | $12,328,670 | 4,337 |
| Average total loans | $74,430,670 | 4,091 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7944% | 4,505 |
| Cost of funding earning assets | 0.4533% | 3,394 |
| Net interest margin | 3.3412% | 4,364 |
| Noninterest income to average assets | 0.7319% | 2,026 |
| Noninterest expense to average assets | 3.1310% | 2,436 |
| Loan and lease loss provision to assets | 0.0547% | 3,023 |
| Net operating income to assets | 0.5011% | 4,683 |
| Return on assets (ROA) | 0.5011% | 4,766 |
| Pretax return on assets | 0.5011% | 5,165 |
| Return on Equity (ROE) | 5.3766% | 4,347 |
| Retained earnings to average equity (ytd only) | 5.3766% | 2,871 |
| Net charge-offs to loans | 0.2270% | 1,415 |
| Credit loss provision to net charge-offs | 43.9024% | 2,268 |
| Earnings coverage of net charge-offs (x) | 4.4634% | 2,524 |
| Efficiency ratio | 84.9259% | 1,558 |
| Assets per employee ($millions) | 3.7475% | 4,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 4,966 |
| Loan loss allowance to noncurrent loans | 48.3890% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 4.0479% | 574 |
| Noncurrent loans to loans | 2.3405% | 1,518 |
| Net loans and leases to total assets | 52.4791% | 4,620 |
| Net loans and leases to deposits | 63.2818% | 4,401 |
| Net loans and leases to core deposits | 68.7770% | 4,232 |
| Total domestic deposits to total assets | 82.9292% | 4,627 |
| Equity capital to assets | 9.1602% | 4,922 |
| Core capital (leverage) ratio | 8.7934% | 5,273 |
| Tier 1 risk-based capital ratio | 11.1870% | 6,080 |
| Total risk-based capital ratio | 11.9395% | 6,242 |
| Memoranda: | ||
| Average total assets | $131,714,000 | 4,040 |
| Average earning assets | $116,486,500 | 4,129 |
| Average equity | $12,275,500 | 4,374 |
| Average total loans | $72,237,500 | 4,193 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2584% | 3,117 |
| Cost of funding earning assets | 0.4492% | 4,125 |
| Net interest margin | 3.8092% | 2,624 |
| Noninterest income to average assets | 0.7199% | 2,431 |
| Noninterest expense to average assets | 3.1684% | 2,523 |
| Loan and lease loss provision to assets | 0.1671% | 2,188 |
| Net operating income to assets | 0.7808% | 3,388 |
| Return on assets (ROA) | 0.7808% | 3,495 |
| Pretax return on assets | 0.7808% | 4,221 |
| Return on Equity (ROE) | 8.2283% | 2,911 |
| Retained earnings to average equity (ytd only) | 2.8799% | 4,198 |
| Net charge-offs to loans | 0.1858% | 2,975 |
| Credit loss provision to net charge-offs | 152.8571% | 1,515 |
| Earnings coverage of net charge-offs (x) | 8.6714% | 2,628 |
| Efficiency ratio | 76.9727% | 2,620 |
| Assets per employee ($millions) | 3.5700% | 4,762 |
| Cash dividends to net income (ytd only)* | 65.0000% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 4,934 |
| Loan loss allowance to noncurrent loans | 59.0234% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 4.0943% | 636 |
| Noncurrent loans to loans | 1.9392% | 2,063 |
| Net loans and leases to total assets | 56.0470% | 4,312 |
| Net loans and leases to deposits | 68.1518% | 4,031 |
| Net loans and leases to core deposits | 74.1999% | 3,819 |
| Total domestic deposits to total assets | 82.2384% | 4,796 |
| Equity capital to assets | 9.4873% | 4,445 |
| Core capital (leverage) ratio | 9.5293% | 4,220 |
| Tier 1 risk-based capital ratio | 11.3087% | 6,020 |
| Total risk-based capital ratio | 12.1021% | 6,191 |
| Memoranda: | ||
| Average total assets | $128,076,800 | 4,109 |
| Average earning assets | $114,198,200 | 4,179 |
| Average equity | $12,153,200 | 4,415 |
| Average total loans | $75,347,800 | 4,083 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2244% | 3,296 |
| Cost of funding earning assets | 0.4477% | 4,299 |
| Net interest margin | 3.7767% | 2,725 |
| Noninterest income to average assets | 0.7002% | 2,611 |
| Noninterest expense to average assets | 3.1060% | 2,633 |
| Loan and lease loss provision to assets | 0.1490% | 2,409 |
| Net operating income to assets | 0.8294% | 3,197 |
| Return on assets (ROA) | 0.8294% | 3,320 |
| Pretax return on assets | 0.8294% | 4,190 |
| Return on Equity (ROE) | 8.7399% | 2,772 |
| Retained earnings to average equity (ytd only) | 6.8184% | 1,965 |
| Net charge-offs to loans | 0.1544% | 3,004 |
| Credit loss provision to net charge-offs | 162.5000% | 1,457 |
| Earnings coverage of net charge-offs (x) | 10.6705% | 2,332 |
| Efficiency ratio | 76.0459% | 2,722 |
| Assets per employee ($millions) | 3.3912% | 5,079 |
| Cash dividends to net income (ytd only)* | 21.9851% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 5,817 |
| Loan loss allowance to noncurrent loans | 49.1853% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 4.9680% | 560 |
| Noncurrent loans to loans | 1.9863% | 2,260 |
| Net loans and leases to total assets | 67.6660% | 2,340 |
| Net loans and leases to deposits | 83.7656% | 1,908 |
| Net loans and leases to core deposits | 92.0198% | 1,764 |
| Total domestic deposits to total assets | 80.7801% | 5,278 |
| Equity capital to assets | 10.2095% | 3,629 |
| Core capital (leverage) ratio | 9.9934% | 3,688 |
| Tier 1 risk-based capital ratio | 10.8444% | 6,350 |
| Total risk-based capital ratio | 11.5723% | 6,469 |
| Memoranda: | ||
| Average total assets | $127,966,250 | 4,160 |
| Average earning assets | $114,664,250 | 4,211 |
| Average equity | $12,143,250 | 4,472 |
| Average total loans | $75,968,500 | 4,090 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 4,026 |
| Cost of funding earning assets | 0.4427% | 4,509 |
| Net interest margin | 3.5794% | 3,453 |
| Noninterest income to average assets | 0.6557% | 2,884 |
| Noninterest expense to average assets | 3.0140% | 2,957 |
| Loan and lease loss provision to assets | 0.1770% | 2,141 |
| Net operating income to assets | 0.6758% | 3,928 |
| Return on assets (ROA) | 0.6758% | 4,089 |
| Pretax return on assets | 0.6758% | 4,758 |
| Return on Equity (ROE) | 7.2946% | 3,448 |
| Retained earnings to average equity (ytd only) | 7.2946% | 1,749 |
| Net charge-offs to loans | 0.1143% | 3,218 |
| Credit loss provision to net charge-offs | 273.8095% | 925 |
| Earnings coverage of net charge-offs (x) | 13.1905% | 1,920 |
| Efficiency ratio | 77.9459% | 2,465 |
| Assets per employee ($millions) | 3.2523% | 5,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 5,538 |
| Loan loss allowance to noncurrent loans | 57.6471% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 4.8108% | 651 |
| Noncurrent loans to loans | 1.8635% | 2,542 |
| Net loans and leases to total assets | 63.7467% | 2,956 |
| Net loans and leases to deposits | 78.8174% | 2,480 |
| Net loans and leases to core deposits | 86.6661% | 2,264 |
| Total domestic deposits to total assets | 80.8791% | 5,377 |
| Equity capital to assets | 10.2066% | 3,654 |
| Core capital (leverage) ratio | 9.7652% | 3,842 |
| Tier 1 risk-based capital ratio | 11.0281% | 6,321 |
| Total risk-based capital ratio | 11.7971% | 6,467 |
| Memoranda: | ||
| Average total assets | $129,927,670 | 4,145 |
| Average earning assets | $116,555,000 | 4,188 |
| Average equity | $12,036,330 | 4,523 |
| Average total loans | $73,483,670 | 4,194 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6986% | 5,171 |
| Cost of funding earning assets | 0.4295% | 4,810 |
| Net interest margin | 3.2691% | 4,634 |
| Noninterest income to average assets | 0.5522% | 3,423 |
| Noninterest expense to average assets | 2.8918% | 3,377 |
| Loan and lease loss provision to assets | 0.2019% | 1,840 |
| Net operating income to assets | 0.4186% | 5,052 |
| Return on assets (ROA) | 0.4186% | 5,206 |
| Pretax return on assets | 0.4186% | 5,506 |
| Return on Equity (ROE) | 4.7341% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.7341% | 3,399 |
| Net charge-offs to loans | 0.1176% | 2,722 |
| Credit loss provision to net charge-offs | 323.8095% | 748 |
| Earnings coverage of net charge-offs (x) | 9.9524% | 1,789 |
| Efficiency ratio | 82.3331% | 1,989 |
| Assets per employee ($millions) | 3.4689% | 5,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 5,472 |
| Loan loss allowance to noncurrent loans | 82.9394% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 5.2918% | 663 |
| Noncurrent loans to loans | 1.3662% | 3,516 |
| Net loans and leases to total assets | 54.8601% | 4,265 |
| Net loans and leases to deposits | 66.5989% | 3,971 |
| Net loans and leases to core deposits | 72.6536% | 3,744 |
| Total domestic deposits to total assets | 82.3740% | 5,067 |
| Equity capital to assets | 9.3370% | 5,086 |
| Core capital (leverage) ratio | 8.9528% | 4,962 |
| Tier 1 risk-based capital ratio | 11.1064% | 6,359 |
| Total risk-based capital ratio | 11.8624% | 6,518 |
| Memoranda: | ||
| Average total assets | $134,724,500 | 4,091 |
| Average earning assets | $121,991,500 | 4,114 |
| Average equity | $11,913,500 | 4,595 |
| Average total loans | $71,454,500 | 4,294 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2627% | 4,353 |
| Cost of funding earning assets | 0.5434% | 4,872 |
| Net interest margin | 3.7193% | 3,560 |
| Noninterest income to average assets | 0.2436% | 5,708 |
| Noninterest expense to average assets | 3.3275% | 2,260 |
| Loan and lease loss provision to assets | 0.3124% | 2,191 |
| Net operating income to assets | -0.0929% | 6,279 |
| Return on assets (ROA) | -0.6755% | 6,673 |
| Pretax return on assets | -0.6755% | 6,649 |
| Return on Equity (ROE) | -7.0172% | 6,655 |
| Retained earnings to average equity (ytd only) | -9.2481% | 6,615 |
| Net charge-offs to loans | 0.6229% | 1,886 |
| Credit loss provision to net charge-offs | 90.9091% | 3,434 |
| Earnings coverage of net charge-offs (x) | 0.6386% | 5,167 |
| Efficiency ratio | 93.8133% | 811 |
| Assets per employee ($millions) | 3.8135% | 4,341 |
| Cash dividends to net income (ytd only)* | -31.7919% | 7,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 5,719 |
| Loan loss allowance to noncurrent loans | 99.4764% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 4.6854% | 869 |
| Noncurrent loans to loans | 1.0657% | 4,076 |
| Net loans and leases to total assets | 50.2690% | 5,130 |
| Net loans and leases to deposits | 60.3872% | 4,985 |
| Net loans and leases to core deposits | 65.4471% | 4,795 |
| Total domestic deposits to total assets | 83.2444% | 4,626 |
| Equity capital to assets | 8.3934% | 6,126 |
| Core capital (leverage) ratio | 9.5558% | 4,028 |
| Tier 1 risk-based capital ratio | 10.8290% | 6,414 |
| Total risk-based capital ratio | 11.5318% | 6,590 |
| Memoranda: | ||
| Average total assets | $128,053,600 | 4,184 |
| Average earning assets | $113,730,800 | 4,258 |
| Average equity | $12,326,800 | 4,495 |
| Average total loans | $70,639,400 | 4,339 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4256% | 3,943 |
| Cost of funding earning assets | 0.5754% | 4,867 |
| Net interest margin | 3.8503% | 3,119 |
| Noninterest income to average assets | 0.6923% | 2,745 |
| Noninterest expense to average assets | 3.3783% | 2,061 |
| Loan and lease loss provision to assets | 0.2757% | 2,372 |
| Net operating income to assets | 0.4274% | 5,128 |
| Return on assets (ROA) | 0.3483% | 5,640 |
| Pretax return on assets | 0.3483% | 5,848 |
| Return on Equity (ROE) | 3.4919% | 5,494 |
| Retained earnings to average equity (ytd only) | 2.4208% | 5,124 |
| Net charge-offs to loans | 0.6782% | 1,630 |
| Credit loss provision to net charge-offs | 72.0670% | 3,850 |
| Earnings coverage of net charge-offs (x) | 1.8380% | 4,343 |
| Efficiency ratio | 82.7749% | 1,727 |
| Assets per employee ($millions) | 3.3337% | 5,356 |
| Cash dividends to net income (ytd only)* | 30.6746% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 6,268 |
| Loan loss allowance to noncurrent loans | 64.2792% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 7.3630% | 464 |
| Noncurrent loans to loans | 1.4646% | 3,595 |
| Net loans and leases to total assets | 59.7128% | 3,837 |
| Net loans and leases to deposits | 78.9161% | 2,543 |
| Net loans and leases to core deposits | 87.6812% | 2,249 |
| Total domestic deposits to total assets | 75.6662% | 6,434 |
| Equity capital to assets | 10.1713% | 4,242 |
| Core capital (leverage) ratio | 10.0066% | 3,530 |
| Tier 1 risk-based capital ratio | 11.1791% | 6,404 |
| Total risk-based capital ratio | 11.8097% | 6,630 |
| Memoranda: | ||
| Average total assets | $124,792,250 | 4,295 |
| Average earning assets | $109,841,750 | 4,390 |
| Average equity | $12,447,750 | 4,516 |
| Average total loans | $70,377,000 | 4,387 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2735% | 4,670 |
| Cost of funding earning assets | 0.5837% | 5,040 |
| Net interest margin | 3.6899% | 3,872 |
| Noninterest income to average assets | 0.6961% | 2,695 |
| Noninterest expense to average assets | 3.3287% | 2,225 |
| Loan and lease loss provision to assets | 0.1469% | 3,680 |
| Net operating income to assets | 0.4805% | 4,906 |
| Return on assets (ROA) | 0.3624% | 5,594 |
| Pretax return on assets | 0.3624% | 5,796 |
| Return on Equity (ROE) | 3.6569% | 5,416 |
| Retained earnings to average equity (ytd only) | 2.0459% | 5,181 |
| Net charge-offs to loans | 0.6662% | 1,653 |
| Credit loss provision to net charge-offs | 40.0000% | 4,261 |
| Earnings coverage of net charge-offs (x) | 1.7087% | 4,127 |
| Efficiency ratio | 84.1404% | 1,614 |
| Assets per employee ($millions) | 3.2707% | 5,516 |
| Cash dividends to net income (ytd only)* | 44.0529% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 6,464 |
| Loan loss allowance to noncurrent loans | 36.2740% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 7.7265% | 461 |
| Noncurrent loans to loans | 2.4716% | 2,431 |
| Net loans and leases to total assets | 58.8779% | 4,008 |
| Net loans and leases to deposits | 74.7788% | 3,161 |
| Net loans and leases to core deposits | 82.8825% | 2,842 |
| Total domestic deposits to total assets | 78.7361% | 6,008 |
| Equity capital to assets | 10.0172% | 4,305 |
| Core capital (leverage) ratio | 10.0772% | 3,308 |
| Tier 1 risk-based capital ratio | 11.4204% | 6,267 |
| Total risk-based capital ratio | 12.0347% | 6,574 |
| Memoranda: | ||
| Average total assets | $125,274,000 | 4,308 |
| Average earning assets | $110,681,670 | 4,398 |
| Average equity | $12,415,000 | 4,522 |
| Average total loans | $69,051,330 | 4,446 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1393% | 5,322 |
| Cost of funding earning assets | 0.5995% | 5,137 |
| Net interest margin | 3.5399% | 4,525 |
| Noninterest income to average assets | 0.7283% | 2,507 |
| Noninterest expense to average assets | 3.3077% | 2,261 |
| Loan and lease loss provision to assets | 0.0827% | 4,355 |
| Net operating income to assets | 0.4930% | 4,859 |
| Return on assets (ROA) | 0.4739% | 5,132 |
| Pretax return on assets | 0.4739% | 5,510 |
| Return on Equity (ROE) | 4.8074% | 4,878 |
| Retained earnings to average equity (ytd only) | 4.8074% | 3,667 |
| Net charge-offs to loans | 1.2302% | 828 |
| Credit loss provision to net charge-offs | 12.6829% | 3,869 |
| Earnings coverage of net charge-offs (x) | 0.8829% | 3,887 |
| Efficiency ratio | 85.1761% | 1,564 |
| Assets per employee ($millions) | 3.3540% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 6,438 |
| Loan loss allowance to noncurrent loans | 53.6733% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 7.1760% | 579 |
| Noncurrent loans to loans | 1.7570% | 3,478 |
| Net loans and leases to total assets | 51.1797% | 5,122 |
| Net loans and leases to deposits | 59.9987% | 5,145 |
| Net loans and leases to core deposits | 65.9475% | 4,917 |
| Total domestic deposits to total assets | 85.3012% | 3,879 |
| Equity capital to assets | 9.7856% | 4,402 |
| Core capital (leverage) ratio | 9.4282% | 4,157 |
| Tier 1 risk-based capital ratio | 11.6330% | 6,198 |
| Total risk-based capital ratio | 12.2191% | 6,540 |
| Memoranda: | ||
| Average total assets | $125,768,000 | 4,332 |
| Average earning assets | $112,095,000 | 4,382 |
| Average equity | $12,397,500 | 4,530 |
| Average total loans | $66,657,500 | 4,561 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 3,671 |
| Cost of funding earning assets | 0.8797% | 4,254 |
| Net interest margin | 3.9500% | 3,102 |
| Noninterest income to average assets | 0.7280% | 2,459 |
| Noninterest expense to average assets | 3.3247% | 2,443 |
| Loan and lease loss provision to assets | 0.2598% | 3,613 |
| Net operating income to assets | 0.6176% | 3,902 |
| Return on assets (ROA) | 0.2291% | 5,638 |
| Pretax return on assets | 0.2291% | 5,717 |
| Return on Equity (ROE) | 2.2707% | 5,555 |
| Retained earnings to average equity (ytd only) | 0.2139% | 5,736 |
| Net charge-offs to loans | 0.3815% | 3,502 |
| Credit loss provision to net charge-offs | 113.4058% | 2,899 |
| Earnings coverage of net charge-offs (x) | 3.8297% | 3,372 |
| Efficiency ratio | 79.1189% | 2,425 |
| Assets per employee ($millions) | 3.3536% | 5,364 |
| Cash dividends to net income (ytd only)* | 90.5797% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 5,458 |
| Loan loss allowance to noncurrent loans | 58.3516% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 7.3564% | 607 |
| Noncurrent loans to loans | 2.0322% | 3,164 |
| Net loans and leases to total assets | 53.7253% | 5,077 |
| Net loans and leases to deposits | 63.6137% | 5,059 |
| Net loans and leases to core deposits | 69.9907% | 4,776 |
| Total domestic deposits to total assets | 84.4556% | 4,117 |
| Equity capital to assets | 9.9313% | 4,253 |
| Core capital (leverage) ratio | 10.0286% | 3,302 |
| Tier 1 risk-based capital ratio | 11.5179% | 6,150 |
| Total risk-based capital ratio | 12.2748% | 6,426 |
| Memoranda: | ||
| Average total assets | $120,463,800 | 4,388 |
| Average earning assets | $105,948,800 | 4,505 |
| Average equity | $12,154,800 | 4,519 |
| Average total loans | $72,353,000 | 4,401 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9509% | 3,322 |
| Cost of funding earning assets | 0.9573% | 3,986 |
| Net interest margin | 3.9936% | 2,937 |
| Noninterest income to average assets | 0.7271% | 2,438 |
| Noninterest expense to average assets | 3.3310% | 2,399 |
| Loan and lease loss provision to assets | 0.2442% | 3,560 |
| Net operating income to assets | 0.6501% | 3,872 |
| Return on assets (ROA) | 0.0736% | 6,138 |
| Pretax return on assets | 0.0736% | 6,136 |
| Return on Equity (ROE) | 0.7265% | 6,121 |
| Retained earnings to average equity (ytd only) | 0.7265% | 5,722 |
| Net charge-offs to loans | 0.2718% | 3,739 |
| Credit loss provision to net charge-offs | 146.0000% | 2,164 |
| Earnings coverage of net charge-offs (x) | 5.3466% | 2,816 |
| Efficiency ratio | 78.8335% | 2,425 |
| Assets per employee ($millions) | 3.2063% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 5,904 |
| Loan loss allowance to noncurrent loans | 52.1630% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 7.7744% | 582 |
| Noncurrent loans to loans | 2.1027% | 3,242 |
| Net loans and leases to total assets | 63.2396% | 3,469 |
| Net loans and leases to deposits | 75.5481% | 3,402 |
| Net loans and leases to core deposits | 83.5818% | 3,114 |
| Total domestic deposits to total assets | 83.7077% | 4,369 |
| Equity capital to assets | 10.3327% | 3,918 |
| Core capital (leverage) ratio | 10.3451% | 3,043 |
| Tier 1 risk-based capital ratio | 11.2701% | 6,388 |
| Total risk-based capital ratio | 12.0350% | 6,651 |
| Memoranda: | ||
| Average total assets | $119,559,000 | 4,440 |
| Average earning assets | $104,731,750 | 4,557 |
| Average equity | $12,112,750 | 4,536 |
| Average total loans | $73,575,250 | 4,398 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8284% | 3,963 |
| Cost of funding earning assets | 0.9874% | 4,034 |
| Net interest margin | 3.8410% | 3,577 |
| Noninterest income to average assets | 0.7992% | 2,020 |
| Noninterest expense to average assets | 3.3086% | 2,525 |
| Loan and lease loss provision to assets | 0.2553% | 3,360 |
| Net operating income to assets | 0.6040% | 4,048 |
| Return on assets (ROA) | -0.0934% | 6,397 |
| Pretax return on assets | -0.0934% | 6,357 |
| Return on Equity (ROE) | -0.9284% | 6,394 |
| Retained earnings to average equity (ytd only) | -0.9284% | 6,036 |
| Net charge-offs to loans | 0.0797% | 4,846 |
| Credit loss provision to net charge-offs | 527.5862% | 585 |
| Earnings coverage of net charge-offs (x) | 17.7586% | 1,282 |
| Efficiency ratio | 79.3835% | 2,489 |
| Assets per employee ($millions) | 3.3808% | 5,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 5,581 |
| Loan loss allowance to noncurrent loans | 71.2450% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 7.8671% | 602 |
| Noncurrent loans to loans | 1.6733% | 3,918 |
| Net loans and leases to total assets | 60.4056% | 4,199 |
| Net loans and leases to deposits | 72.6724% | 4,010 |
| Net loans and leases to core deposits | 79.7836% | 3,809 |
| Total domestic deposits to total assets | 83.1204% | 4,709 |
| Equity capital to assets | 9.9738% | 4,192 |
| Core capital (leverage) ratio | 9.9219% | 3,362 |
| Tier 1 risk-based capital ratio | 11.1633% | 6,405 |
| Total risk-based capital ratio | 11.9790% | 6,680 |
| Memoranda: | ||
| Average total assets | $119,867,670 | 4,457 |
| Average earning assets | $105,128,330 | 4,584 |
| Average equity | $12,064,330 | 4,544 |
| Average total loans | $72,815,330 | 4,475 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9214% | 3,474 |
| Cost of funding earning assets | 0.9920% | 4,257 |
| Net interest margin | 3.9294% | 3,001 |
| Noninterest income to average assets | 0.8172% | 1,962 |
| Noninterest expense to average assets | 3.5175% | 1,957 |
| Loan and lease loss provision to assets | 0.5246% | 1,656 |
| Net operating income to assets | 0.1984% | 5,788 |
| Return on assets (ROA) | -1.1602% | 7,093 |
| Pretax return on assets | -1.1602% | 7,046 |
| Return on Equity (ROE) | -11.4742% | 7,065 |
| Retained earnings to average equity (ytd only) | -11.4742% | 6,926 |
| Net charge-offs to loans | 0.0666% | 4,255 |
| Credit loss provision to net charge-offs | 1,300.0000% | 306 |
| Earnings coverage of net charge-offs (x) | 17.9167% | 1,205 |
| Efficiency ratio | 82.9500% | 2,093 |
| Assets per employee ($millions) | 3.3438% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 5,187 |
| Loan loss allowance to noncurrent loans | 69.9306% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 7.9359% | 604 |
| Noncurrent loans to loans | 1.8432% | 3,766 |
| Net loans and leases to total assets | 57.7029% | 4,691 |
| Net loans and leases to deposits | 69.3037% | 4,468 |
| Net loans and leases to core deposits | 76.2202% | 4,276 |
| Total domestic deposits to total assets | 83.2609% | 4,809 |
| Equity capital to assets | 9.8391% | 3,978 |
| Core capital (leverage) ratio | 9.4782% | 3,848 |
| Tier 1 risk-based capital ratio | 11.5066% | 6,100 |
| Total risk-based capital ratio | 12.3878% | 6,378 |
| Memoranda: | ||
| Average total assets | $118,947,000 | 4,515 |
| Average earning assets | $103,629,000 | 4,644 |
| Average equity | $12,027,000 | 4,541 |
| Average total loans | $72,020,000 | 4,545 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2350% | 3,436 |
| Cost of funding earning assets | 1.1342% | 4,940 |
| Net interest margin | 4.1008% | 2,556 |
| Noninterest income to average assets | 0.9515% | 1,668 |
| Noninterest expense to average assets | 3.3123% | 2,699 |
| Loan and lease loss provision to assets | 0.6419% | 2,569 |
| Net operating income to assets | 0.5805% | 3,755 |
| Return on assets (ROA) | 0.3340% | 4,971 |
| Pretax return on assets | 0.3340% | 5,133 |
| Return on Equity (ROE) | 3.2266% | 4,851 |
| Retained earnings to average equity (ytd only) | 0.0569% | 5,556 |
| Net charge-offs to loans | 1.2566% | 1,785 |
| Credit loss provision to net charge-offs | 78.8223% | 5,594 |
| Earnings coverage of net charge-offs (x) | 1.5010% | 4,631 |
| Efficiency ratio | 73.0427% | 3,593 |
| Assets per employee ($millions) | 3.2644% | 5,502 |
| Cash dividends to net income (ytd only)* | 98.2368% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 6,213 |
| Loan loss allowance to noncurrent loans | 121.8850% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 7.9682% | 621 |
| Noncurrent loans to loans | 0.8497% | 5,361 |
| Net loans and leases to total assets | 62.0412% | 4,276 |
| Net loans and leases to deposits | 75.0958% | 4,002 |
| Net loans and leases to core deposits | 82.9813% | 3,750 |
| Total domestic deposits to total assets | 82.6161% | 4,969 |
| Equity capital to assets | 10.3900% | 3,282 |
| Core capital (leverage) ratio | 10.4305% | 2,635 |
| Tier 1 risk-based capital ratio | 10.9776% | 6,338 |
| Total risk-based capital ratio | 11.6635% | 6,734 |
| Memoranda: | ||
| Average total assets | $118,859,000 | 4,501 |
| Average earning assets | $103,857,800 | 4,609 |
| Average equity | $12,304,000 | 4,525 |
| Average total loans | $77,035,400 | 4,420 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2887% | 3,400 |
| Cost of funding earning assets | 1.1768% | 4,999 |
| Net interest margin | 4.1119% | 2,572 |
| Noninterest income to average assets | 1.0302% | 1,371 |
| Noninterest expense to average assets | 3.2562% | 2,721 |
| Loan and lease loss provision to assets | 0.5515% | 2,740 |
| Net operating income to assets | 0.8222% | 2,910 |
| Return on assets (ROA) | 0.7204% | 3,477 |
| Pretax return on assets | 0.7204% | 4,171 |
| Return on Equity (ROE) | 6.9653% | 3,358 |
| Retained earnings to average equity (ytd only) | 2.7472% | 4,508 |
| Net charge-offs to loans | 0.5085% | 3,258 |
| Credit loss provision to net charge-offs | 165.9933% | 2,254 |
| Earnings coverage of net charge-offs (x) | 4.1347% | 3,179 |
| Efficiency ratio | 70.3310% | 3,998 |
| Assets per employee ($millions) | 3.1215% | 5,873 |
| Cash dividends to net income (ytd only)* | 60.5590% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 4,178 |
| Loan loss allowance to noncurrent loans | 43.6609% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 8.8243% | 524 |
| Noncurrent loans to loans | 3.3342% | 2,384 |
| Net loans and leases to total assets | 66.4295% | 3,589 |
| Net loans and leases to deposits | 84.8711% | 2,543 |
| Net loans and leases to core deposits | 94.5749% | 2,442 |
| Total domestic deposits to total assets | 78.2711% | 6,205 |
| Equity capital to assets | 10.5045% | 3,510 |
| Core capital (leverage) ratio | 10.4160% | 2,784 |
| Tier 1 risk-based capital ratio | 10.7180% | 6,622 |
| Total risk-based capital ratio | 11.7193% | 6,788 |
| Memoranda: | ||
| Average total assets | $119,194,500 | 4,556 |
| Average earning assets | $104,345,000 | 4,660 |
| Average equity | $12,327,500 | 4,591 |
| Average total loans | $77,876,250 | 4,473 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1482% | 4,202 |
| Cost of funding earning assets | 1.2219% | 5,005 |
| Net interest margin | 3.9263% | 3,332 |
| Noninterest income to average assets | 1.0772% | 1,152 |
| Noninterest expense to average assets | 3.2164% | 2,845 |
| Loan and lease loss provision to assets | 0.3133% | 3,871 |
| Net operating income to assets | 0.9817% | 2,259 |
| Return on assets (ROA) | 0.8292% | 2,980 |
| Pretax return on assets | 0.8292% | 3,780 |
| Return on Equity (ROE) | 8.0597% | 2,864 |
| Retained earnings to average equity (ytd only) | 6.0244% | 2,317 |
| Net charge-offs to loans | 0.4405% | 3,222 |
| Credit loss provision to net charge-offs | 110.0000% | 3,701 |
| Earnings coverage of net charge-offs (x) | 4.5471% | 2,921 |
| Efficiency ratio | 71.2960% | 3,943 |
| Assets per employee ($millions) | 3.1344% | 5,835 |
| Cash dividends to net income (ytd only)* | 25.2525% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 5,448 |
| Loan loss allowance to noncurrent loans | 117.2619% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 7.1531% | 728 |
| Noncurrent loans to loans | 1.0252% | 5,259 |
| Net loans and leases to total assets | 67.9638% | 3,371 |
| Net loans and leases to deposits | 90.1559% | 1,824 |
| Net loans and leases to core deposits | 100.2191% | 1,990 |
| Total domestic deposits to total assets | 75.3847% | 6,798 |
| Equity capital to assets | 10.5340% | 3,368 |
| Core capital (leverage) ratio | 10.6674% | 2,484 |
| Tier 1 risk-based capital ratio | 10.6283% | 6,586 |
| Total risk-based capital ratio | 11.4626% | 6,876 |
| Memoranda: | ||
| Average total assets | $119,387,330 | 4,579 |
| Average earning assets | $104,424,000 | 4,684 |
| Average equity | $12,283,330 | 4,602 |
| Average total loans | $77,181,670 | 4,535 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8546% | 5,667 |
| Cost of funding earning assets | 1.2414% | 5,166 |
| Net interest margin | 3.6132% | 4,666 |
| Noninterest income to average assets | 0.7898% | 2,074 |
| Noninterest expense to average assets | 3.4001% | 2,236 |
| Loan and lease loss provision to assets | 0.5957% | 2,133 |
| Net operating income to assets | -0.0502% | 6,369 |
| Return on assets (ROA) | -0.0502% | 6,456 |
| Pretax return on assets | -0.0502% | 6,413 |
| Return on Equity (ROE) | -0.4938% | 6,468 |
| Retained earnings to average equity (ytd only) | -0.4938% | 5,948 |
| Net charge-offs to loans | 0.6791% | 2,133 |
| Credit loss provision to net charge-offs | 140.1575% | 2,524 |
| Earnings coverage of net charge-offs (x) | 1.2835% | 3,981 |
| Efficiency ratio | 86.1747% | 1,776 |
| Assets per employee ($millions) | 3.2788% | 5,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 4,496 |
| Loan loss allowance to noncurrent loans | 138.2632% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 6.0669% | 983 |
| Noncurrent loans to loans | 1.0008% | 5,322 |
| Net loans and leases to total assets | 58.2881% | 5,386 |
| Net loans and leases to deposits | 74.6239% | 4,654 |
| Net loans and leases to core deposits | 81.8437% | 4,514 |
| Total domestic deposits to total assets | 78.1091% | 6,289 |
| Equity capital to assets | 9.7476% | 4,173 |
| Core capital (leverage) ratio | 9.6764% | 3,550 |
| Tier 1 risk-based capital ratio | 10.6276% | 6,515 |
| Total risk-based capital ratio | 11.5193% | 6,824 |
| Memoranda: | ||
| Average total assets | $119,526,500 | 4,641 |
| Average earning assets | $104,396,000 | 4,747 |
| Average equity | $12,151,500 | 4,676 |
| Average total loans | $74,804,500 | 4,687 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7456% | 2,883 |
| Cost of funding earning assets | 1.5739% | 5,161 |
| Net interest margin | 4.1717% | 2,169 |
| Noninterest income to average assets | 0.9098% | 1,909 |
| Noninterest expense to average assets | 3.3339% | 2,896 |
| Loan and lease loss provision to assets | 0.2488% | 5,401 |
| Net operating income to assets | 1.0056% | 1,819 |
| Return on assets (ROA) | 1.0056% | 1,868 |
| Pretax return on assets | 1.0056% | 2,571 |
| Return on Equity (ROE) | 9.8008% | 1,745 |
| Retained earnings to average equity (ytd only) | 3.7503% | 2,570 |
| Net charge-offs to loans | 0.2580% | 5,007 |
| Credit loss provision to net charge-offs | 147.7157% | 3,173 |
| Earnings coverage of net charge-offs (x) | 7.4467% | 2,146 |
| Efficiency ratio | 72.6612% | 4,155 |
| Assets per employee ($millions) | 3.0121% | 6,196 |
| Cash dividends to net income (ytd only)* | 61.7347% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 4,909 |
| Loan loss allowance to noncurrent loans | 75.7433% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 6.2101% | 896 |
| Noncurrent loans to loans | 1.6823% | 4,126 |
| Net loans and leases to total assets | 65.5245% | 4,272 |
| Net loans and leases to deposits | 81.2220% | 3,756 |
| Net loans and leases to core deposits | 104.5589% | 3,512 |
| Total domestic deposits to total assets | 80.6733% | 5,448 |
| Equity capital to assets | 10.6222% | 3,048 |
| Core capital (leverage) ratio | 10.5927% | 2,507 |
| Tier 1 risk-based capital ratio | 10.8358% | 6,082 |
| Total risk-based capital ratio | 11.6985% | 6,419 |
| Memoranda: | ||
| Average total assets | $116,949,600 | 4,660 |
| Average earning assets | $103,122,200 | 4,756 |
| Average equity | $11,999,000 | 4,751 |
| Average total loans | $76,355,600 | 4,641 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7596% | 3,064 |
| Cost of funding earning assets | 1.6403% | 5,202 |
| Net interest margin | 4.1193% | 2,323 |
| Noninterest income to average assets | 0.8675% | 2,112 |
| Noninterest expense to average assets | 3.3306% | 2,808 |
| Loan and lease loss provision to assets | 0.2143% | 5,271 |
| Net operating income to assets | 0.9707% | 2,159 |
| Return on assets (ROA) | 0.9707% | 2,213 |
| Pretax return on assets | 0.9707% | 2,991 |
| Return on Equity (ROE) | 9.5432% | 2,086 |
| Retained earnings to average equity (ytd only) | 5.3068% | 2,309 |
| Net charge-offs to loans | 0.1465% | 5,235 |
| Credit loss provision to net charge-offs | 225.0000% | 1,940 |
| Earnings coverage of net charge-offs (x) | 12.4402% | 1,762 |
| Efficiency ratio | 73.7569% | 3,905 |
| Assets per employee ($millions) | 3.1961% | 5,656 |
| Cash dividends to net income (ytd only)* | 44.3924% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 5,035 |
| Loan loss allowance to noncurrent loans | 156.1404% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 4.4141% | 1,392 |
| Noncurrent loans to loans | 0.7776% | 5,742 |
| Net loans and leases to total assets | 67.3533% | 4,103 |
| Net loans and leases to deposits | 94.1356% | 1,860 |
| Net loans and leases to core deposits | 125.7579% | 1,755 |
| Total domestic deposits to total assets | 71.5493% | 7,272 |
| Equity capital to assets | 10.2802% | 3,753 |
| Core capital (leverage) ratio | 10.3292% | 2,948 |
| Tier 1 risk-based capital ratio | 10.4060% | 6,563 |
| Total risk-based capital ratio | 11.2440% | 6,944 |
| Memoranda: | ||
| Average total assets | $117,572,500 | 4,658 |
| Average earning assets | $104,125,250 | 4,765 |
| Average equity | $11,959,250 | 4,806 |
| Average total loans | $76,453,000 | 4,676 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7108% | 3,476 |
| Cost of funding earning assets | 1.7347% | 5,090 |
| Net interest margin | 3.9761% | 2,806 |
| Noninterest income to average assets | 0.8403% | 2,219 |
| Noninterest expense to average assets | 3.2707% | 3,080 |
| Loan and lease loss provision to assets | 0.1790% | 5,252 |
| Net operating income to assets | 0.9221% | 2,371 |
| Return on assets (ROA) | 0.9221% | 2,466 |
| Pretax return on assets | 0.9221% | 3,267 |
| Return on Equity (ROE) | 9.0975% | 2,327 |
| Retained earnings to average equity (ytd only) | 5.9025% | 2,068 |
| Net charge-offs to loans | 0.0986% | 5,182 |
| Credit loss provision to net charge-offs | 283.7838% | 1,652 |
| Earnings coverage of net charge-offs (x) | 17.4595% | 1,477 |
| Efficiency ratio | 74.8148% | 3,904 |
| Assets per employee ($millions) | 3.0886% | 5,896 |
| Cash dividends to net income (ytd only)* | 35.1201% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 5,003 |
| Loan loss allowance to noncurrent loans | 161.8557% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 2.1148% | 3,039 |
| Noncurrent loans to loans | 0.7367% | 5,770 |
| Net loans and leases to total assets | 66.5096% | 4,458 |
| Net loans and leases to deposits | 92.7882% | 2,319 |
| Net loans and leases to core deposits | 123.1137% | 2,106 |
| Total domestic deposits to total assets | 71.6790% | 7,281 |
| Equity capital to assets | 10.2151% | 3,701 |
| Core capital (leverage) ratio | 10.1615% | 3,136 |
| Tier 1 risk-based capital ratio | 10.2743% | 6,625 |
| Total risk-based capital ratio | 11.0816% | 7,042 |
| Memoranda: | ||
| Average total assets | $117,344,330 | 4,703 |
| Average earning assets | $104,223,330 | 4,784 |
| Average equity | $11,893,330 | 4,843 |
| Average total loans | $75,061,000 | 4,771 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5575% | 4,600 |
| Cost of funding earning assets | 1.8589% | 4,830 |
| Net interest margin | 3.6986% | 3,896 |
| Noninterest income to average assets | 0.9136% | 1,796 |
| Noninterest expense to average assets | 3.3034% | 2,645 |
| Loan and lease loss provision to assets | 0.1091% | 5,575 |
| Net operating income to assets | 0.7977% | 3,143 |
| Return on assets (ROA) | 0.7977% | 3,302 |
| Pretax return on assets | 0.7977% | 4,086 |
| Return on Equity (ROE) | 7.9017% | 3,190 |
| Retained earnings to average equity (ytd only) | 7.9017% | 1,850 |
| Net charge-offs to loans | 0.1861% | 3,520 |
| Credit loss provision to net charge-offs | 94.1176% | 3,917 |
| Earnings coverage of net charge-offs (x) | 7.8235% | 2,293 |
| Efficiency ratio | 78.4615% | 3,094 |
| Assets per employee ($millions) | 3.0962% | 5,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1681% | 4,998 |
| Loan loss allowance to noncurrent loans | 94.3723% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 2.2842% | 2,510 |
| Noncurrent loans to loans | 1.2377% | 4,495 |
| Net loans and leases to total assets | 59.5725% | 5,724 |
| Net loans and leases to deposits | 82.0352% | 4,279 |
| Net loans and leases to core deposits | 107.9634% | 3,684 |
| Total domestic deposits to total assets | 72.6183% | 7,113 |
| Equity capital to assets | 9.5980% | 4,529 |
| Core capital (leverage) ratio | 9.3677% | 4,147 |
| Tier 1 risk-based capital ratio | 10.3610% | 6,532 |
| Total risk-based capital ratio | 11.1211% | 6,959 |
| Memoranda: | ||
| Average total assets | $117,334,000 | 4,722 |
| Average earning assets | $104,579,500 | 4,788 |
| Average equity | $11,845,500 | 4,884 |
| Average total loans | $73,091,000 | 4,869 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6726% | 2,139 |
| Cost of funding earning assets | 2.4716% | 4,357 |
| Net interest margin | 4.2010% | 2,310 |
| Noninterest income to average assets | 0.9001% | 1,954 |
| Noninterest expense to average assets | 3.5211% | 2,337 |
| Loan and lease loss provision to assets | 0.5101% | 2,770 |
| Net operating income to assets | 0.5745% | 4,419 |
| Return on assets (ROA) | 0.5745% | 4,287 |
| Pretax return on assets | 0.5648% | 4,793 |
| Return on Equity (ROE) | 5.2126% | 4,278 |
| Retained earnings to average equity (ytd only) | 0.1361% | 5,146 |
| Net charge-offs to loans | 0.5100% | 2,313 |
| Credit loss provision to net charge-offs | 162.8169% | 3,168 |
| Earnings coverage of net charge-offs (x) | 3.4310% | 4,373 |
| Efficiency ratio | 76.6129% | 3,137 |
| Assets per employee ($millions) | 2.7705% | 6,634 |
| Cash dividends to net income (ytd only)* | 97.3886% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 4,363 |
| Loan loss allowance to noncurrent loans | 37.9340% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 2.3588% | 2,056 |
| Noncurrent loans to loans | 3.2210% | 1,628 |
| Net loans and leases to total assets | 63.7580% | 5,321 |
| Net loans and leases to deposits | 78.9673% | 5,203 |
| Net loans and leases to core deposits | 104.0972% | 4,384 |
| Total domestic deposits to total assets | 80.7398% | 4,756 |
| Equity capital to assets | 10.6516% | 3,341 |
| Core capital (leverage) ratio | 10.3467% | 3,122 |
| Tier 1 risk-based capital ratio | 13.5586% | 3,783 |
| Total risk-based capital ratio | 14.5625% | 3,830 |
| Memoranda: | ||
| Average total assets | $113,315,800 | 4,685 |
| Average earning assets | $99,691,200 | 4,810 |
| Average equity | $12,489,000 | 4,700 |
| Average total loans | $69,602,400 | 4,888 |