Home > Citizens Community Bank > Performance and Condition Ratios
Citizens Community Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8117% | 1,466 |
| Cost of funding earning assets | 1.6334% | 2,888 |
| Net interest margin | 4.1783% | 993 |
| Noninterest income to average assets | 0.5700% | 1,445 |
| Noninterest expense to average assets | 3.3939% | 675 |
| Loan and lease loss provision to assets | 0.1700% | 736 |
| Net operating income to assets | 0.8736% | 2,650 |
| Return on assets (ROA) | 0.8736% | 2,662 |
| Pretax return on assets | 0.8736% | 3,031 |
| Return on Equity (ROE) | 11.4100% | 1,904 |
| Retained earnings to average equity (ytd only) | 3.0570% | 3,077 |
| Net charge-offs to loans | -0.0340% | 4,217 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 76.5306% | 1,200 |
| Assets per employee ($millions) | 4.4805% | 3,922 |
| Cash dividends to net income (ytd only)* | 73.1982% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 2,211 |
| Loan loss allowance to noncurrent loans | 207.5332% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.3285% | 1,993 |
| Noncurrent loans to loans | 0.5757% | 1,699 |
| Net loans and leases to total assets | 56.3800% | 3,176 |
| Net loans and leases to deposits | 61.4154% | 3,417 |
| Net loans and leases to core deposits | 68.3602% | 3,370 |
| Total domestic deposits to total assets | 91.8000% | 334 |
| Equity capital to assets | 7.7496% | 3,723 |
| Core capital (leverage) ratio | 10.9169% | 2,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7097% | 797 |
| Memoranda: | ||
| Average total assets | $203,303,000 | 2,992 |
| Average earning assets | $187,828,500 | 2,991 |
| Average equity | $15,571,000 | 3,325 |
| Average total loans | $117,551,000 | 3,052 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4586% | 2,223 |
| Cost of funding earning assets | 1.4212% | 3,493 |
| Net interest margin | 4.0374% | 1,136 |
| Noninterest income to average assets | 0.6200% | 1,441 |
| Noninterest expense to average assets | 3.0966% | 997 |
| Loan and lease loss provision to assets | 0.1600% | 863 |
| Net operating income to assets | 1.1088% | 1,722 |
| Return on assets (ROA) | 1.1051% | 1,730 |
| Pretax return on assets | 1.1051% | 2,223 |
| Return on Equity (ROE) | 14.2400% | 1,069 |
| Retained earnings to average equity (ytd only) | 6.8395% | 1,482 |
| Net charge-offs to loans | 0.0951% | 1,214 |
| Credit loss provision to net charge-offs | 231.7308% | 1,049 |
| Earnings coverage of net charge-offs (x) | 23.3269% | 1,724 |
| Efficiency ratio | 70.9635% | 1,879 |
| Assets per employee ($millions) | 4.3588% | 3,982 |
| Cash dividends to net income (ytd only)* | 51.9849% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 2,634 |
| Loan loss allowance to noncurrent loans | 218.3946% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2982% | 2,049 |
| Noncurrent loans to loans | 0.5089% | 1,802 |
| Net loans and leases to total assets | 57.9500% | 3,112 |
| Net loans and leases to deposits | 63.0320% | 3,391 |
| Net loans and leases to core deposits | 69.6529% | 3,375 |
| Total domestic deposits to total assets | 91.9400% | 316 |
| Equity capital to assets | 7.5659% | 3,735 |
| Core capital (leverage) ratio | 11.4029% | 1,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8731% | 780 |
| Memoranda: | ||
| Average total assets | $191,470,800 | 3,052 |
| Average earning assets | $177,664,800 | 3,038 |
| Average equity | $14,854,800 | 3,340 |
| Average total loans | $109,338,600 | 3,111 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3862% | 2,289 |
| Cost of funding earning assets | 1.3409% | 3,613 |
| Net interest margin | 4.0453% | 1,080 |
| Noninterest income to average assets | 0.5500% | 1,685 |
| Noninterest expense to average assets | 3.0547% | 1,034 |
| Loan and lease loss provision to assets | 0.1500% | 844 |
| Net operating income to assets | 1.1070% | 1,736 |
| Return on assets (ROA) | 1.1021% | 1,759 |
| Pretax return on assets | 1.1021% | 2,242 |
| Return on Equity (ROE) | 14.1100% | 1,121 |
| Retained earnings to average equity (ytd only) | 7.1195% | 1,700 |
| Net charge-offs to loans | 0.1056% | 953 |
| Credit loss provision to net charge-offs | 182.3529% | 1,146 |
| Earnings coverage of net charge-offs (x) | 21.0353% | 1,716 |
| Efficiency ratio | 70.7986% | 1,927 |
| Assets per employee ($millions) | 4.2359% | 4,035 |
| Cash dividends to net income (ytd only)* | 49.5524% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 2,489 |
| Loan loss allowance to noncurrent loans | 191.7957% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 1,822 |
| Noncurrent loans to loans | 0.5992% | 1,592 |
| Net loans and leases to total assets | 57.1800% | 3,165 |
| Net loans and leases to deposits | 63.1483% | 3,414 |
| Net loans and leases to core deposits | 71.0673% | 3,340 |
| Total domestic deposits to total assets | 90.5400% | 457 |
| Equity capital to assets | 9.0015% | 3,036 |
| Core capital (leverage) ratio | 11.6527% | 1,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1722% | 670 |
| Memoranda: | ||
| Average total assets | $189,212,250 | 3,061 |
| Average earning assets | $176,101,000 | 3,051 |
| Average equity | $14,776,000 | 3,351 |
| Average total loans | $107,298,000 | 3,138 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2886% | 2,374 |
| Cost of funding earning assets | 1.2196% | 3,758 |
| Net interest margin | 4.0690% | 1,039 |
| Noninterest income to average assets | 0.5300% | 1,732 |
| Noninterest expense to average assets | 2.9754% | 1,133 |
| Loan and lease loss provision to assets | 0.1700% | 664 |
| Net operating income to assets | 1.1685% | 1,554 |
| Return on assets (ROA) | 1.1611% | 1,577 |
| Pretax return on assets | 1.1611% | 2,033 |
| Return on Equity (ROE) | 15.6500% | 890 |
| Retained earnings to average equity (ytd only) | 9.2707% | 1,039 |
| Net charge-offs to loans | 0.1662% | 626 |
| Credit loss provision to net charge-offs | 121.3483% | 1,345 |
| Earnings coverage of net charge-offs (x) | 14.3034% | 1,815 |
| Efficiency ratio | 68.9664% | 2,219 |
| Assets per employee ($millions) | 4.4534% | 3,935 |
| Cash dividends to net income (ytd only)* | 40.7609% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 2,825 |
| Loan loss allowance to noncurrent loans | 183.0508% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 1,812 |
| Noncurrent loans to loans | 0.5982% | 1,533 |
| Net loans and leases to total assets | 56.0300% | 3,264 |
| Net loans and leases to deposits | 62.2628% | 3,459 |
| Net loans and leases to core deposits | 69.5017% | 3,393 |
| Total domestic deposits to total assets | 90.0000% | 706 |
| Equity capital to assets | 7.5896% | 3,691 |
| Core capital (leverage) ratio | 11.5690% | 1,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0728% | 672 |
| Memoranda: | ||
| Average total assets | $190,156,333 | 3,061 |
| Average earning assets | $176,946,667 | 3,053 |
| Average equity | $14,109,000 | 3,385 |
| Average total loans | $107,129,667 | 3,138 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2604% | 2,269 |
| Cost of funding earning assets | 1.1496% | 3,810 |
| Net interest margin | 4.1109% | 956 |
| Noninterest income to average assets | 0.5300% | 1,631 |
| Noninterest expense to average assets | 3.1707% | 867 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 1.1104% | 1,637 |
| Return on assets (ROA) | 1.1104% | 1,645 |
| Pretax return on assets | 1.1104% | 2,116 |
| Return on Equity (ROE) | 15.1400% | 973 |
| Retained earnings to average equity (ytd only) | 8.6065% | 1,396 |
| Net charge-offs to loans | 0.1616% | 528 |
| Credit loss provision to net charge-offs | 86.0465% | 1,262 |
| Earnings coverage of net charge-offs (x) | 13.0930% | 1,532 |
| Efficiency ratio | 72.7361% | 1,874 |
| Assets per employee ($millions) | 4.6160% | 3,880 |
| Cash dividends to net income (ytd only)* | 43.1559% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 2,835 |
| Loan loss allowance to noncurrent loans | 138.4524% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 1,414 |
| Noncurrent loans to loans | 0.7930% | 1,113 |
| Net loans and leases to total assets | 55.3600% | 3,242 |
| Net loans and leases to deposits | 59.8447% | 3,520 |
| Net loans and leases to core deposits | 65.8597% | 3,524 |
| Total domestic deposits to total assets | 92.5000% | 248 |
| Equity capital to assets | 7.2754% | 3,776 |
| Core capital (leverage) ratio | 11.2115% | 1,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7686% | 720 |
| Memoranda: | ||
| Average total assets | $189,485,500 | 3,071 |
| Average earning assets | $176,411,000 | 3,057 |
| Average equity | $13,896,500 | 3,410 |
| Average total loans | $106,448,000 | 3,150 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7387% | 2,597 |
| Cost of funding earning assets | 0.8665% | 3,588 |
| Net interest margin | 3.8723% | 1,434 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 3.0913% | 975 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 1.0072% | 2,200 |
| Return on assets (ROA) | 1.0072% | 2,185 |
| Pretax return on assets | 1.0072% | 2,670 |
| Return on Equity (ROE) | 15.0600% | 1,278 |
| Retained earnings to average equity (ytd only) | 6.0634% | 2,216 |
| Net charge-offs to loans | 0.1841% | 586 |
| Credit loss provision to net charge-offs | 142.4870% | 1,514 |
| Earnings coverage of net charge-offs (x) | 11.1813% | 2,204 |
| Efficiency ratio | 72.8109% | 1,577 |
| Assets per employee ($millions) | 4.6272% | 3,871 |
| Cash dividends to net income (ytd only)* | 59.7451% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 2,876 |
| Loan loss allowance to noncurrent loans | 131.0538% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4702% | 1,191 |
| Noncurrent loans to loans | 0.8339% | 922 |
| Net loans and leases to total assets | 55.7700% | 3,214 |
| Net loans and leases to deposits | 60.3525% | 3,501 |
| Net loans and leases to core deposits | 66.0048% | 3,497 |
| Total domestic deposits to total assets | 92.4000% | 245 |
| Equity capital to assets | 7.3921% | 3,774 |
| Core capital (leverage) ratio | 10.9777% | 1,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2104% | 762 |
| Memoranda: | ||
| Average total assets | $186,945,600 | 3,077 |
| Average earning assets | $175,658,200 | 3,045 |
| Average equity | $12,501,200 | 3,487 |
| Average total loans | $104,850,600 | 3,126 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6054% | 2,662 |
| Cost of funding earning assets | 0.7831% | 3,570 |
| Net interest margin | 3.8223% | 1,550 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 3.0717% | 967 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.9621% | 2,474 |
| Return on assets (ROA) | 0.9621% | 2,467 |
| Pretax return on assets | 0.9621% | 2,951 |
| Return on Equity (ROE) | 14.7800% | 1,485 |
| Retained earnings to average equity (ytd only) | 4.8842% | 2,973 |
| Net charge-offs to loans | 0.1431% | 575 |
| Credit loss provision to net charge-offs | 218.7500% | 1,065 |
| Earnings coverage of net charge-offs (x) | 14.1875% | 2,004 |
| Efficiency ratio | 72.9762% | 1,452 |
| Assets per employee ($millions) | 4.7658% | 3,764 |
| Cash dividends to net income (ytd only)* | 66.9643% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 2,531 |
| Loan loss allowance to noncurrent loans | 145.9330% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.4385% | 1,332 |
| Noncurrent loans to loans | 0.7996% | 1,044 |
| Net loans and leases to total assets | 54.2000% | 3,346 |
| Net loans and leases to deposits | 57.7852% | 3,618 |
| Net loans and leases to core deposits | 62.8494% | 3,585 |
| Total domestic deposits to total assets | 93.8000% | 206 |
| Equity capital to assets | 5.9381% | 4,010 |
| Core capital (leverage) ratio | 10.9404% | 2,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4278% | 770 |
| Memoranda: | ||
| Average total assets | $186,252,750 | 3,086 |
| Average earning assets | $175,037,500 | 3,065 |
| Average equity | $12,120,500 | 3,518 |
| Average total loans | $104,320,750 | 3,133 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4786% | 2,702 |
| Cost of funding earning assets | 0.6839% | 3,529 |
| Net interest margin | 3.7947% | 1,642 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 3.0434% | 971 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 0.9611% | 2,542 |
| Return on assets (ROA) | 0.9611% | 2,534 |
| Pretax return on assets | 0.9611% | 3,014 |
| Return on Equity (ROE) | 14.3400% | 1,614 |
| Retained earnings to average equity (ytd only) | 3.0354% | 3,470 |
| Net charge-offs to loans | 0.0940% | 702 |
| Credit loss provision to net charge-offs | 308.1633% | 850 |
| Earnings coverage of net charge-offs (x) | 21.2041% | 1,729 |
| Efficiency ratio | 73.0200% | 1,453 |
| Assets per employee ($millions) | 4.3088% | 4,052 |
| Cash dividends to net income (ytd only)* | 78.8288% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 2,902 |
| Loan loss allowance to noncurrent loans | 114.7683% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 995 |
| Noncurrent loans to loans | 0.9686% | 777 |
| Net loans and leases to total assets | 55.7900% | 3,136 |
| Net loans and leases to deposits | 59.8231% | 3,432 |
| Net loans and leases to core deposits | 63.9911% | 3,450 |
| Total domestic deposits to total assets | 93.2600% | 216 |
| Equity capital to assets | 6.5595% | 3,976 |
| Core capital (leverage) ratio | 11.0036% | 1,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2659% | 788 |
| Memoranda: | ||
| Average total assets | $184,792,667 | 3,099 |
| Average earning assets | $173,716,667 | 3,077 |
| Average equity | $12,387,333 | 3,501 |
| Average total loans | $104,243,667 | 3,127 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3601% | 2,649 |
| Cost of funding earning assets | 0.5750% | 3,461 |
| Net interest margin | 3.7851% | 1,722 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 3.1646% | 841 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 0.8399% | 3,052 |
| Return on assets (ROA) | 0.8399% | 3,010 |
| Pretax return on assets | 0.8399% | 3,367 |
| Return on Equity (ROE) | 12.3900% | 2,116 |
| Retained earnings to average equity (ytd only) | 1.0677% | 3,857 |
| Net charge-offs to loans | 0.0428% | 931 |
| Credit loss provision to net charge-offs | 745.4545% | 440 |
| Earnings coverage of net charge-offs (x) | 42.2727% | 1,170 |
| Efficiency ratio | 75.6289% | 1,196 |
| Assets per employee ($millions) | 4.4574% | 4,045 |
| Cash dividends to net income (ytd only)* | 91.3838% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 2,983 |
| Loan loss allowance to noncurrent loans | 151.7693% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.4076% | 1,269 |
| Noncurrent loans to loans | 0.7341% | 1,042 |
| Net loans and leases to total assets | 54.9000% | 3,127 |
| Net loans and leases to deposits | 58.8984% | 3,404 |
| Net loans and leases to core deposits | 62.6546% | 3,410 |
| Total domestic deposits to total assets | 93.2100% | 273 |
| Equity capital to assets | 6.6839% | 3,972 |
| Core capital (leverage) ratio | 10.9352% | 1,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9619% | 852 |
| Memoranda: | ||
| Average total assets | $182,395,500 | 3,160 |
| Average earning assets | $171,829,500 | 3,130 |
| Average equity | $12,363,000 | 3,542 |
| Average total loans | $102,886,500 | 3,175 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8220% | 2,216 |
| Cost of funding earning assets | 0.1820% | 3,892 |
| Net interest margin | 3.6400% | 1,519 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.8178% | 1,283 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.0518% | 2,367 |
| Return on assets (ROA) | 1.0518% | 2,312 |
| Pretax return on assets | 1.0518% | 2,911 |
| Return on Equity (ROE) | 13.8400% | 1,569 |
| Retained earnings to average equity (ytd only) | 7.9225% | 1,867 |
| Net charge-offs to loans | 0.0910% | 775 |
| Credit loss provision to net charge-offs | 165.8824% | 1,232 |
| Earnings coverage of net charge-offs (x) | 25.0471% | 1,780 |
| Efficiency ratio | 71.4420% | 1,508 |
| Assets per employee ($millions) | 4.2281% | 4,182 |
| Cash dividends to net income (ytd only)* | 42.7565% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 3,435 |
| Loan loss allowance to noncurrent loans | 139.6957% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.4071% | 1,261 |
| Noncurrent loans to loans | 0.7099% | 1,058 |
| Net loans and leases to total assets | 56.7800% | 2,942 |
| Net loans and leases to deposits | 60.9994% | 3,271 |
| Net loans and leases to core deposits | 63.9286% | 3,268 |
| Total domestic deposits to total assets | 93.0800% | 388 |
| Equity capital to assets | 6.8775% | 3,722 |
| Core capital (leverage) ratio | 10.9963% | 1,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3704% | 787 |
| Memoranda: | ||
| Average total assets | $189,014,800 | 3,111 |
| Average earning assets | $175,301,200 | 3,102 |
| Average equity | $14,364,200 | 3,426 |
| Average total loans | $93,371,000 | 3,242 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6806% | 2,099 |
| Cost of funding earning assets | 0.1645% | 3,688 |
| Net interest margin | 3.5160% | 1,622 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.8066% | 1,238 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.9075% | 2,839 |
| Return on assets (ROA) | 0.9075% | 2,816 |
| Pretax return on assets | 0.9075% | 3,292 |
| Return on Equity (ROE) | 11.6800% | 2,145 |
| Retained earnings to average equity (ytd only) | 5.8693% | 2,796 |
| Net charge-offs to loans | 0.1037% | 599 |
| Credit loss provision to net charge-offs | 149.2958% | 1,130 |
| Earnings coverage of net charge-offs (x) | 19.8873% | 1,715 |
| Efficiency ratio | 74.0965% | 1,264 |
| Assets per employee ($millions) | 4.3720% | 4,137 |
| Cash dividends to net income (ytd only)* | 49.7703% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 3,342 |
| Loan loss allowance to noncurrent loans | 210.4255% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 1,972 |
| Noncurrent loans to loans | 0.4900% | 1,578 |
| Net loans and leases to total assets | 50.4900% | 3,416 |
| Net loans and leases to deposits | 53.7396% | 3,617 |
| Net loans and leases to core deposits | 55.0345% | 3,685 |
| Total domestic deposits to total assets | 93.9600% | 370 |
| Equity capital to assets | 5.9123% | 3,996 |
| Core capital (leverage) ratio | 10.2320% | 2,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4686% | 793 |
| Memoranda: | ||
| Average total assets | $191,873,500 | 3,115 |
| Average earning assets | $177,469,000 | 3,105 |
| Average equity | $14,902,000 | 3,414 |
| Average total loans | $91,253,250 | 3,277 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5066% | 2,124 |
| Cost of funding earning assets | 0.1629% | 3,406 |
| Net interest margin | 3.3438% | 1,780 |
| Noninterest income to average assets | 0.5467% | 1,961 |
| Noninterest expense to average assets | 2.7065% | 1,376 |
| Loan and lease loss provision to assets | 0.0725% | 1,325 |
| Net operating income to assets | 0.8500% | 2,778 |
| Return on assets (ROA) | 0.8500% | 2,753 |
| Pretax return on assets | 0.8500% | 3,204 |
| Return on Equity (ROE) | 10.1582% | 2,277 |
| Retained earnings to average equity (ytd only) | 5.2090% | 2,630 |
| Net charge-offs to loans | 0.0334% | 1,066 |
| Credit loss provision to net charge-offs | 466.6667% | 651 |
| Earnings coverage of net charge-offs (x) | 59.4000% | 1,084 |
| Efficiency ratio | 74.5792% | 1,444 |
| Assets per employee ($millions) | 4.6811% | 3,946 |
| Cash dividends to net income (ytd only)* | 48.7211% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 3,276 |
| Loan loss allowance to noncurrent loans | 222.2467% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.2309% | 2,163 |
| Noncurrent loans to loans | 0.4816% | 1,672 |
| Net loans and leases to total assets | 47.4334% | 3,598 |
| Net loans and leases to deposits | 50.5266% | 3,785 |
| Net loans and leases to core deposits | 51.8040% | 3,828 |
| Total domestic deposits to total assets | 93.8781% | 303 |
| Equity capital to assets | 6.0314% | 4,191 |
| Core capital (leverage) ratio | 10.2235% | 2,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1939% | 825 |
| Memoranda: | ||
| Average total assets | $193,165,667 | 3,137 |
| Average earning assets | $178,062,000 | 3,148 |
| Average equity | $16,164,333 | 3,394 |
| Average total loans | $89,700,333 | 3,331 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3716% | 2,173 |
| Cost of funding earning assets | 0.1679% | 3,246 |
| Net interest margin | 3.2037% | 1,869 |
| Noninterest income to average assets | 0.5223% | 2,030 |
| Noninterest expense to average assets | 2.7935% | 1,171 |
| Loan and lease loss provision to assets | 0.0731% | 1,130 |
| Net operating income to assets | 0.6059% | 3,375 |
| Return on assets (ROA) | 0.6059% | 3,356 |
| Pretax return on assets | 0.6059% | 3,617 |
| Return on Equity (ROE) | 6.3327% | 3,238 |
| Retained earnings to average equity (ytd only) | 1.9653% | 3,553 |
| Net charge-offs to loans | 0.0641% | 688 |
| Credit loss provision to net charge-offs | 250.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 23.2143% | 1,229 |
| Efficiency ratio | 80.4452% | 1,117 |
| Assets per employee ($millions) | 4.9367% | 3,804 |
| Cash dividends to net income (ytd only)* | 68.9655% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 3,364 |
| Loan loss allowance to noncurrent loans | 239.5577% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 2,257 |
| Noncurrent loans to loans | 0.4550% | 1,886 |
| Net loans and leases to total assets | 45.9506% | 3,582 |
| Net loans and leases to deposits | 50.2619% | 3,715 |
| Net loans and leases to core deposits | 51.7532% | 3,748 |
| Total domestic deposits to total assets | 91.4222% | 848 |
| Equity capital to assets | 8.5175% | 3,143 |
| Core capital (leverage) ratio | 10.4216% | 1,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2838% | 860 |
| Memoranda: | ||
| Average total assets | $191,445,500 | 3,159 |
| Average earning assets | $176,294,500 | 3,171 |
| Average equity | $18,317,500 | 3,296 |
| Average total loans | $87,417,500 | 3,366 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8147% | 1,837 |
| Cost of funding earning assets | 0.2314% | 3,122 |
| Net interest margin | 3.5833% | 1,516 |
| Noninterest income to average assets | 0.5023% | 2,556 |
| Noninterest expense to average assets | 2.6361% | 1,789 |
| Loan and lease loss provision to assets | 0.0502% | 2,055 |
| Net operating income to assets | 1.1223% | 2,201 |
| Return on assets (ROA) | 1.1246% | 2,249 |
| Pretax return on assets | 1.1246% | 2,894 |
| Return on Equity (ROE) | 9.9803% | 2,530 |
| Retained earnings to average equity (ytd only) | 5.5270% | 2,549 |
| Net charge-offs to loans | 0.1424% | 659 |
| Credit loss provision to net charge-offs | 72.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 16.8240% | 1,962 |
| Efficiency ratio | 69.2139% | 1,830 |
| Assets per employee ($millions) | 5.1448% | 3,604 |
| Cash dividends to net income (ytd only)* | 44.6207% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 3,293 |
| Loan loss allowance to noncurrent loans | 215.1242% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 2,301 |
| Noncurrent loans to loans | 0.5188% | 1,829 |
| Net loans and leases to total assets | 44.3569% | 3,816 |
| Net loans and leases to deposits | 49.6463% | 3,911 |
| Net loans and leases to core deposits | 51.1702% | 3,956 |
| Total domestic deposits to total assets | 89.3459% | 1,329 |
| Equity capital to assets | 10.6305% | 2,063 |
| Core capital (leverage) ratio | 10.7610% | 1,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1794% | 737 |
| Memoranda: | ||
| Average total assets | $179,357,400 | 3,213 |
| Average earning assets | $165,489,600 | 3,227 |
| Average equity | $20,209,800 | 3,198 |
| Average total loans | $87,760,000 | 3,370 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9064% | 1,740 |
| Cost of funding earning assets | 0.2486% | 3,141 |
| Net interest margin | 3.6578% | 1,438 |
| Noninterest income to average assets | 0.4681% | 2,759 |
| Noninterest expense to average assets | 2.6846% | 1,630 |
| Loan and lease loss provision to assets | 0.0679% | 1,644 |
| Net operating income to assets | 1.0924% | 2,585 |
| Return on assets (ROA) | 1.0954% | 2,631 |
| Pretax return on assets | 1.0954% | 3,206 |
| Return on Equity (ROE) | 9.5758% | 2,898 |
| Retained earnings to average equity (ytd only) | 4.9562% | 3,235 |
| Net charge-offs to loans | 0.0966% | 753 |
| Credit loss provision to net charge-offs | 140.6250% | 1,389 |
| Earnings coverage of net charge-offs (x) | 24.0156% | 1,651 |
| Efficiency ratio | 69.8213% | 1,619 |
| Assets per employee ($millions) | 4.6937% | 3,974 |
| Cash dividends to net income (ytd only)* | 48.2426% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 3,188 |
| Loan loss allowance to noncurrent loans | 180.9269% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 2,142 |
| Noncurrent loans to loans | 0.6382% | 1,709 |
| Net loans and leases to total assets | 47.4653% | 3,680 |
| Net loans and leases to deposits | 53.5364% | 3,777 |
| Net loans and leases to core deposits | 55.2593% | 3,830 |
| Total domestic deposits to total assets | 88.6598% | 1,479 |
| Equity capital to assets | 11.2141% | 1,881 |
| Core capital (leverage) ratio | 10.7076% | 1,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1664% | 786 |
| Memoranda: | ||
| Average total assets | $176,607,250 | 3,270 |
| Average earning assets | $163,045,750 | 3,277 |
| Average equity | $20,203,250 | 3,230 |
| Average total loans | $88,352,500 | 3,405 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9969% | 1,570 |
| Cost of funding earning assets | 0.2638% | 3,153 |
| Net interest margin | 3.7331% | 1,261 |
| Noninterest income to average assets | 0.4574% | 2,811 |
| Noninterest expense to average assets | 2.6551% | 1,708 |
| Loan and lease loss provision to assets | 0.0768% | 1,553 |
| Net operating income to assets | 1.1648% | 2,316 |
| Return on assets (ROA) | 1.1682% | 2,361 |
| Pretax return on assets | 1.1682% | 2,998 |
| Return on Equity (ROE) | 10.1418% | 2,701 |
| Retained earnings to average equity (ytd only) | 6.1607% | 2,738 |
| Net charge-offs to loans | 0.0746% | 903 |
| Credit loss provision to net charge-offs | 203.0303% | 1,048 |
| Earnings coverage of net charge-offs (x) | 32.8182% | 1,263 |
| Efficiency ratio | 68.1377% | 1,867 |
| Assets per employee ($millions) | 4.7186% | 3,910 |
| Cash dividends to net income (ytd only)* | 39.2542% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 3,177 |
| Loan loss allowance to noncurrent loans | 133.3768% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 1,876 |
| Noncurrent loans to loans | 0.8642% | 1,424 |
| Net loans and leases to total assets | 47.6734% | 3,761 |
| Net loans and leases to deposits | 53.6620% | 3,881 |
| Net loans and leases to core deposits | 55.2820% | 3,945 |
| Total domestic deposits to total assets | 88.8402% | 1,363 |
| Equity capital to assets | 11.0690% | 1,933 |
| Core capital (leverage) ratio | 10.7480% | 1,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6095% | 744 |
| Memoranda: | ||
| Average total assets | $174,457,667 | 3,296 |
| Average earning assets | $160,726,000 | 3,300 |
| Average equity | $20,095,000 | 3,233 |
| Average total loans | $88,502,333 | 3,419 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 1,913 |
| Cost of funding earning assets | 0.2842% | 3,152 |
| Net interest margin | 3.5848% | 1,624 |
| Noninterest income to average assets | 0.4715% | 2,743 |
| Noninterest expense to average assets | 2.6192% | 1,835 |
| Loan and lease loss provision to assets | 0.0802% | 1,614 |
| Net operating income to assets | 1.0727% | 2,561 |
| Return on assets (ROA) | 1.0774% | 2,631 |
| Pretax return on assets | 1.0774% | 3,173 |
| Return on Equity (ROE) | 9.1595% | 2,979 |
| Retained earnings to average equity (ytd only) | 5.1509% | 3,180 |
| Net charge-offs to loans | 0.1584% | 499 |
| Credit loss provision to net charge-offs | 97.1429% | 1,152 |
| Earnings coverage of net charge-offs (x) | 13.9714% | 1,379 |
| Efficiency ratio | 69.4375% | 1,764 |
| Assets per employee ($millions) | 4.6593% | 3,974 |
| Cash dividends to net income (ytd only)* | 43.7637% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 3,338 |
| Loan loss allowance to noncurrent loans | 148.0539% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 1,811 |
| Noncurrent loans to loans | 0.7568% | 1,722 |
| Net loans and leases to total assets | 49.2929% | 3,689 |
| Net loans and leases to deposits | 55.4842% | 3,833 |
| Net loans and leases to core deposits | 57.1493% | 3,897 |
| Total domestic deposits to total assets | 88.8413% | 1,418 |
| Equity capital to assets | 11.0910% | 1,793 |
| Core capital (leverage) ratio | 11.3168% | 1,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0414% | 677 |
| Memoranda: | ||
| Average total assets | $169,673,000 | 3,335 |
| Average earning assets | $156,215,500 | 3,348 |
| Average equity | $19,957,500 | 3,237 |
| Average total loans | $88,376,000 | 3,434 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 1,281 |
| Cost of funding earning assets | 0.5208% | 2,811 |
| Net interest margin | 3.9900% | 990 |
| Noninterest income to average assets | 0.5188% | 2,553 |
| Noninterest expense to average assets | 2.9810% | 1,476 |
| Loan and lease loss provision to assets | 0.0697% | 3,510 |
| Net operating income to assets | 1.1431% | 1,751 |
| Return on assets (ROA) | 1.1627% | 1,792 |
| Pretax return on assets | 1.1627% | 2,464 |
| Return on Equity (ROE) | 9.2543% | 2,293 |
| Retained earnings to average equity (ytd only) | 5.6231% | 1,984 |
| Net charge-offs to loans | 0.3975% | 434 |
| Credit loss provision to net charge-offs | 29.7222% | 3,217 |
| Earnings coverage of net charge-offs (x) | 5.1694% | 2,891 |
| Efficiency ratio | 71.0800% | 1,802 |
| Assets per employee ($millions) | 4.5081% | 3,907 |
| Cash dividends to net income (ytd only)* | 39.2377% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 3,381 |
| Loan loss allowance to noncurrent loans | 149.6218% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.6069% | 1,740 |
| Noncurrent loans to loans | 0.7470% | 1,834 |
| Net loans and leases to total assets | 53.9145% | 3,493 |
| Net loans and leases to deposits | 61.6477% | 3,631 |
| Net loans and leases to core deposits | 64.6049% | 3,653 |
| Total domestic deposits to total assets | 87.4559% | 1,723 |
| Equity capital to assets | 12.4948% | 1,326 |
| Core capital (leverage) ratio | 11.5285% | 1,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9467% | 772 |
| Memoranda: | ||
| Average total assets | $153,440,000 | 3,362 |
| Average earning assets | $141,329,600 | 3,368 |
| Average equity | $19,277,600 | 3,255 |
| Average total loans | $90,568,400 | 3,391 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6398% | 1,205 |
| Cost of funding earning assets | 0.5664% | 2,835 |
| Net interest margin | 4.0734% | 943 |
| Noninterest income to average assets | 0.4920% | 2,643 |
| Noninterest expense to average assets | 2.9756% | 1,496 |
| Loan and lease loss provision to assets | 0.0946% | 3,135 |
| Net operating income to assets | 1.1823% | 1,700 |
| Return on assets (ROA) | 1.2087% | 1,739 |
| Pretax return on assets | 1.2087% | 2,360 |
| Return on Equity (ROE) | 9.6069% | 2,164 |
| Retained earnings to average equity (ytd only) | 6.8040% | 1,774 |
| Net charge-offs to loans | 0.4494% | 347 |
| Credit loss provision to net charge-offs | 34.8534% | 2,939 |
| Earnings coverage of net charge-offs (x) | 4.7166% | 2,795 |
| Efficiency ratio | 69.9772% | 1,891 |
| Assets per employee ($millions) | 4.3324% | 4,014 |
| Cash dividends to net income (ytd only)* | 29.1758% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 3,138 |
| Loan loss allowance to noncurrent loans | 151.0145% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.1466% | 900 |
| Noncurrent loans to loans | 0.7370% | 1,967 |
| Net loans and leases to total assets | 57.7522% | 3,443 |
| Net loans and leases to deposits | 66.1184% | 3,611 |
| Net loans and leases to core deposits | 69.3243% | 3,674 |
| Total domestic deposits to total assets | 87.3466% | 1,523 |
| Equity capital to assets | 12.5536% | 1,399 |
| Core capital (leverage) ratio | 11.7476% | 1,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4843% | 725 |
| Memoranda: | ||
| Average total assets | $151,227,000 | 3,371 |
| Average earning assets | $139,600,250 | 3,373 |
| Average equity | $19,027,500 | 3,273 |
| Average total loans | $91,088,500 | 3,398 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6648% | 1,493 |
| Cost of funding earning assets | 0.6202% | 2,862 |
| Net interest margin | 4.0446% | 1,235 |
| Noninterest income to average assets | 0.4750% | 2,682 |
| Noninterest expense to average assets | 3.0998% | 1,355 |
| Loan and lease loss provision to assets | 0.1242% | 2,788 |
| Net operating income to assets | 1.0000% | 2,330 |
| Return on assets (ROA) | 1.0405% | 2,317 |
| Pretax return on assets | 1.0405% | 2,899 |
| Return on Equity (ROE) | 8.2626% | 2,641 |
| Retained earnings to average equity (ytd only) | 6.1193% | 2,019 |
| Net charge-offs to loans | 0.6870% | 229 |
| Credit loss provision to net charge-offs | 29.6774% | 2,704 |
| Earnings coverage of net charge-offs (x) | 2.6871% | 2,746 |
| Efficiency ratio | 73.3866% | 1,522 |
| Assets per employee ($millions) | 4.2542% | 4,054 |
| Cash dividends to net income (ytd only)* | 25.9403% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 3,083 |
| Loan loss allowance to noncurrent loans | 130.6122% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 1.1370% | 985 |
| Noncurrent loans to loans | 0.8396% | 1,816 |
| Net loans and leases to total assets | 57.1267% | 3,592 |
| Net loans and leases to deposits | 65.1263% | 3,797 |
| Net loans and leases to core deposits | 68.7238% | 3,812 |
| Total domestic deposits to total assets | 87.7168% | 1,323 |
| Equity capital to assets | 12.1650% | 1,557 |
| Core capital (leverage) ratio | 11.8129% | 1,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3912% | 636 |
| Memoranda: | ||
| Average total assets | $148,203,667 | 3,389 |
| Average earning assets | $137,368,667 | 3,384 |
| Average equity | $18,662,333 | 3,307 |
| Average total loans | $90,245,667 | 3,408 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8816% | 1,240 |
| Cost of funding earning assets | 0.6913% | 2,971 |
| Net interest margin | 4.1903% | 941 |
| Noninterest income to average assets | 0.4948% | 2,575 |
| Noninterest expense to average assets | 3.1299% | 1,568 |
| Loan and lease loss provision to assets | 0.1301% | 2,093 |
| Net operating income to assets | 1.1253% | 1,765 |
| Return on assets (ROA) | 1.1253% | 1,865 |
| Pretax return on assets | 1.1253% | 2,441 |
| Return on Equity (ROE) | 8.7663% | 2,205 |
| Retained earnings to average equity (ytd only) | 6.5637% | 1,690 |
| Net charge-offs to loans | 1.3802% | 106 |
| Credit loss provision to net charge-offs | 15.0327% | 2,216 |
| Earnings coverage of net charge-offs (x) | 1.4510% | 2,386 |
| Efficiency ratio | 71.3733% | 2,171 |
| Assets per employee ($millions) | 3.8112% | 4,158 |
| Cash dividends to net income (ytd only)* | 25.1256% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 3,163 |
| Loan loss allowance to noncurrent loans | 102.9350% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.1359% | 1,126 |
| Noncurrent loans to loans | 1.0761% | 1,544 |
| Net loans and leases to total assets | 60.5342% | 3,440 |
| Net loans and leases to deposits | 69.3389% | 3,642 |
| Net loans and leases to core deposits | 74.0533% | 3,628 |
| Total domestic deposits to total assets | 87.3018% | 1,422 |
| Equity capital to assets | 12.5932% | 1,678 |
| Core capital (leverage) ratio | 12.6329% | 1,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4615% | 807 |
| Memoranda: | ||
| Average total assets | $141,475,500 | 3,441 |
| Average earning assets | $131,349,500 | 3,428 |
| Average equity | $18,160,500 | 3,354 |
| Average total loans | $88,681,000 | 3,425 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0080% | 1,455 |
| Cost of funding earning assets | 0.6886% | 3,219 |
| Net interest margin | 4.3194% | 1,050 |
| Noninterest income to average assets | 0.5476% | 2,495 |
| Noninterest expense to average assets | 3.2564% | 1,391 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3043% | 1,675 |
| Return on assets (ROA) | 1.3080% | 1,738 |
| Pretax return on assets | 1.3080% | 2,485 |
| Return on Equity (ROE) | 10.4784% | 2,092 |
| Retained earnings to average equity (ytd only) | 7.0227% | 1,380 |
| Net charge-offs to loans | 0.0909% | 1,824 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 22.3000% | 1,855 |
| Efficiency ratio | 71.4011% | 1,960 |
| Assets per employee ($millions) | 3.6349% | 4,343 |
| Cash dividends to net income (ytd only)* | 32.9793% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,519 |
| Loan loss allowance to noncurrent loans | 68.9617% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.3951% | 756 |
| Noncurrent loans to loans | 2.0302% | 628 |
| Net loans and leases to total assets | 63.3258% | 3,275 |
| Net loans and leases to deposits | 72.9312% | 3,444 |
| Net loans and leases to core deposits | 77.3202% | 3,492 |
| Total domestic deposits to total assets | 86.8295% | 1,699 |
| Equity capital to assets | 13.0916% | 1,463 |
| Core capital (leverage) ratio | 12.9025% | 1,284 |
| Tier 1 risk-based capital ratio | 19.6761% | 1,375 |
| Total risk-based capital ratio | 20.9272% | 1,349 |
| Memoranda: | ||
| Average total assets | $136,776,200 | 3,483 |
| Average earning assets | $127,077,400 | 3,470 |
| Average equity | $17,073,200 | 3,426 |
| Average total loans | $88,038,200 | 3,448 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0112% | 1,505 |
| Cost of funding earning assets | 0.6786% | 3,320 |
| Net interest margin | 4.3326% | 1,092 |
| Noninterest income to average assets | 0.5326% | 2,548 |
| Noninterest expense to average assets | 3.2307% | 1,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3261% | 1,747 |
| Return on assets (ROA) | 1.3310% | 1,792 |
| Pretax return on assets | 1.3310% | 2,564 |
| Return on Equity (ROE) | 10.7959% | 2,099 |
| Retained earnings to average equity (ytd only) | 7.8235% | 1,485 |
| Net charge-offs to loans | 0.1168% | 1,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 17.6241% | 2,083 |
| Efficiency ratio | 70.8986% | 1,980 |
| Assets per employee ($millions) | 3.6861% | 4,291 |
| Cash dividends to net income (ytd only)* | 27.5332% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 1,588 |
| Loan loss allowance to noncurrent loans | 139.8876% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.7449% | 1,846 |
| Noncurrent loans to loans | 0.9988% | 1,597 |
| Net loans and leases to total assets | 64.4230% | 3,244 |
| Net loans and leases to deposits | 74.2377% | 3,457 |
| Net loans and leases to core deposits | 79.0400% | 3,466 |
| Total domestic deposits to total assets | 86.7794% | 1,632 |
| Equity capital to assets | 13.0453% | 1,599 |
| Core capital (leverage) ratio | 12.8683% | 1,393 |
| Tier 1 risk-based capital ratio | 19.4320% | 1,477 |
| Total risk-based capital ratio | 20.6834% | 1,446 |
| Memoranda: | ||
| Average total assets | $136,438,500 | 3,521 |
| Average earning assets | $126,726,250 | 3,511 |
| Average equity | $16,820,750 | 3,478 |
| Average total loans | $87,869,750 | 3,486 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9820% | 1,529 |
| Cost of funding earning assets | 0.6474% | 3,426 |
| Net interest margin | 4.3346% | 1,074 |
| Noninterest income to average assets | 0.4983% | 2,693 |
| Noninterest expense to average assets | 3.2934% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2282% | 2,042 |
| Return on assets (ROA) | 1.2282% | 2,102 |
| Pretax return on assets | 1.2282% | 2,819 |
| Return on Equity (ROE) | 10.1594% | 2,316 |
| Retained earnings to average equity (ytd only) | 7.7347% | 1,504 |
| Net charge-offs to loans | 0.2012% | 817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 9.5227% | 2,333 |
| Efficiency ratio | 72.8363% | 1,800 |
| Assets per employee ($millions) | 3.6405% | 4,323 |
| Cash dividends to net income (ytd only)* | 23.8663% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 1,746 |
| Loan loss allowance to noncurrent loans | 147.4313% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.8935% | 1,562 |
| Noncurrent loans to loans | 0.9282% | 1,762 |
| Net loans and leases to total assets | 64.2913% | 3,308 |
| Net loans and leases to deposits | 73.5923% | 3,553 |
| Net loans and leases to core deposits | 77.9444% | 3,584 |
| Total domestic deposits to total assets | 87.3615% | 1,403 |
| Equity capital to assets | 12.4983% | 1,858 |
| Core capital (leverage) ratio | 12.6672% | 1,452 |
| Tier 1 risk-based capital ratio | 18.7208% | 1,618 |
| Total risk-based capital ratio | 19.9713% | 1,581 |
| Memoranda: | ||
| Average total assets | $136,456,000 | 3,535 |
| Average earning assets | $126,655,000 | 3,524 |
| Average equity | $16,497,000 | 3,514 |
| Average total loans | $87,456,670 | 3,518 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8747% | 1,674 |
| Cost of funding earning assets | 0.5987% | 3,581 |
| Net interest margin | 4.2761% | 1,140 |
| Noninterest income to average assets | 0.4280% | 2,991 |
| Noninterest expense to average assets | 3.1259% | 1,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2869% | 1,748 |
| Return on assets (ROA) | 1.2869% | 1,786 |
| Pretax return on assets | 1.2869% | 2,505 |
| Return on Equity (ROE) | 10.8320% | 2,012 |
| Retained earnings to average equity (ytd only) | 10.8320% | 840 |
| Net charge-offs to loans | 0.1069% | 1,095 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 18.9565% | 1,607 |
| Efficiency ratio | 70.8361% | 2,215 |
| Assets per employee ($millions) | 3.6404% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 1,254 |
| Loan loss allowance to noncurrent loans | 171.5984% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 1.0316% | 1,355 |
| Noncurrent loans to loans | 0.8895% | 1,876 |
| Net loans and leases to total assets | 60.5845% | 3,651 |
| Net loans and leases to deposits | 68.8958% | 3,847 |
| Net loans and leases to core deposits | 72.6934% | 3,898 |
| Total domestic deposits to total assets | 87.9364% | 1,371 |
| Equity capital to assets | 11.9573% | 2,043 |
| Core capital (leverage) ratio | 12.4552% | 1,541 |
| Tier 1 risk-based capital ratio | 19.7756% | 1,381 |
| Total risk-based capital ratio | 21.0278% | 1,359 |
| Memoranda: | ||
| Average total assets | $135,514,500 | 3,589 |
| Average earning assets | $126,283,500 | 3,568 |
| Average equity | $16,100,500 | 3,567 |
| Average total loans | $86,098,000 | 3,576 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8562% | 1,403 |
| Cost of funding earning assets | 0.4440% | 3,716 |
| Net interest margin | 4.4122% | 911 |
| Noninterest income to average assets | 1.1239% | 731 |
| Noninterest expense to average assets | 3.7235% | 750 |
| Loan and lease loss provision to assets | 0.0588% | 2,989 |
| Net operating income to assets | 1.4441% | 1,297 |
| Return on assets (ROA) | 1.4441% | 1,287 |
| Pretax return on assets | 1.4441% | 1,974 |
| Return on Equity (ROE) | 12.7662% | 1,436 |
| Retained earnings to average equity (ytd only) | 4.8117% | 2,882 |
| Net charge-offs to loans | -0.3143% | 5,312 |
| Credit loss provision to net charge-offs | -29.0909% | 4,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2439% | 2,011 |
| Assets per employee ($millions) | 3.4920% | 4,555 |
| Cash dividends to net income (ytd only)* | 62.3093% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 1,237 |
| Loan loss allowance to noncurrent loans | 153.5424% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 1.1952% | 1,096 |
| Noncurrent loans to loans | 0.9887% | 1,642 |
| Net loans and leases to total assets | 64.6339% | 3,284 |
| Net loans and leases to deposits | 73.4053% | 3,553 |
| Net loans and leases to core deposits | 75.4325% | 3,756 |
| Total domestic deposits to total assets | 88.0508% | 1,277 |
| Equity capital to assets | 11.8015% | 2,031 |
| Core capital (leverage) ratio | 12.4502% | 1,481 |
| Tier 1 risk-based capital ratio | 19.0060% | 1,520 |
| Total risk-based capital ratio | 20.2590% | 1,481 |
| Memoranda: | ||
| Average total assets | $136,136,200 | 3,565 |
| Average earning assets | $126,581,600 | 3,553 |
| Average equity | $15,400,000 | 3,587 |
| Average total loans | $87,484,400 | 3,526 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8165% | 1,384 |
| Cost of funding earning assets | 0.4134% | 3,769 |
| Net interest margin | 4.4031% | 894 |
| Noninterest income to average assets | 1.5397% | 412 |
| Noninterest expense to average assets | 3.7791% | 685 |
| Loan and lease loss provision to assets | 0.0779% | 2,401 |
| Net operating income to assets | 1.7771% | 630 |
| Return on assets (ROA) | 1.7771% | 632 |
| Pretax return on assets | 1.7771% | 1,066 |
| Return on Equity (ROE) | 15.8762% | 715 |
| Retained earnings to average equity (ytd only) | 8.7032% | 1,341 |
| Net charge-offs to loans | -0.6455% | 5,418 |
| Credit loss provision to net charge-offs | -18.8679% | 4,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0755% | 2,699 |
| Assets per employee ($millions) | 3.5154% | 4,544 |
| Cash dividends to net income (ytd only)* | 45.1805% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 988 |
| Loan loss allowance to noncurrent loans | 233.4921% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 1.1820% | 1,187 |
| Noncurrent loans to loans | 0.7023% | 2,318 |
| Net loans and leases to total assets | 66.0476% | 3,167 |
| Net loans and leases to deposits | 75.9133% | 3,424 |
| Net loans and leases to core deposits | 77.8429% | 3,670 |
| Total domestic deposits to total assets | 87.0040% | 1,730 |
| Equity capital to assets | 11.5939% | 2,185 |
| Core capital (leverage) ratio | 12.6574% | 1,435 |
| Tier 1 risk-based capital ratio | 18.6642% | 1,623 |
| Total risk-based capital ratio | 19.9177% | 1,583 |
| Memoranda: | ||
| Average total assets | $136,996,500 | 3,581 |
| Average earning assets | $127,392,750 | 3,572 |
| Average equity | $15,335,000 | 3,618 |
| Average total loans | $87,583,500 | 3,555 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7326% | 1,423 |
| Cost of funding earning assets | 0.3726% | 3,921 |
| Net interest margin | 4.3601% | 927 |
| Noninterest income to average assets | 1.6882% | 357 |
| Noninterest expense to average assets | 3.8760% | 622 |
| Loan and lease loss provision to assets | 0.0869% | 2,178 |
| Net operating income to assets | 1.7751% | 615 |
| Return on assets (ROA) | 1.7751% | 618 |
| Pretax return on assets | 1.7751% | 1,023 |
| Return on Equity (ROE) | 16.0429% | 666 |
| Retained earnings to average equity (ytd only) | 10.4815% | 795 |
| Net charge-offs to loans | 0.1634% | 947 |
| Credit loss provision to net charge-offs | 84.5070% | 2,214 |
| Earnings coverage of net charge-offs (x) | 18.1127% | 1,918 |
| Efficiency ratio | 67.5498% | 2,716 |
| Assets per employee ($millions) | 2.8673% | 5,183 |
| Cash dividends to net income (ytd only)* | 34.6656% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 3,207 |
| Loan loss allowance to noncurrent loans | 103.3514% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.1917% | 1,203 |
| Noncurrent loans to loans | 1.0732% | 1,644 |
| Net loans and leases to total assets | 63.2493% | 3,484 |
| Net loans and leases to deposits | 71.6781% | 3,737 |
| Net loans and leases to core deposits | 73.4540% | 3,915 |
| Total domestic deposits to total assets | 88.2408% | 1,252 |
| Equity capital to assets | 11.5018% | 2,196 |
| Core capital (leverage) ratio | 12.3115% | 1,531 |
| Tier 1 risk-based capital ratio | 19.1939% | 1,504 |
| Total risk-based capital ratio | 20.2888% | 1,508 |
| Memoranda: | ||
| Average total assets | $138,133,000 | 3,594 |
| Average earning assets | $128,300,330 | 3,580 |
| Average equity | $15,284,000 | 3,648 |
| Average total loans | $86,877,330 | 3,586 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6761% | 1,363 |
| Cost of funding earning assets | 0.3748% | 3,777 |
| Net interest margin | 4.3013% | 947 |
| Noninterest income to average assets | 0.9183% | 1,097 |
| Noninterest expense to average assets | 3.7363% | 720 |
| Loan and lease loss provision to assets | 0.0858% | 2,082 |
| Net operating income to assets | 1.1014% | 2,410 |
| Return on assets (ROA) | 1.1014% | 2,426 |
| Pretax return on assets | 1.1014% | 3,171 |
| Return on Equity (ROE) | 10.1476% | 2,360 |
| Retained earnings to average equity (ytd only) | 3.5582% | 3,781 |
| Net charge-offs to loans | 0.3577% | 435 |
| Credit loss provision to net charge-offs | 38.4615% | 2,026 |
| Earnings coverage of net charge-offs (x) | 5.3205% | 2,247 |
| Efficiency ratio | 75.8861% | 1,607 |
| Assets per employee ($millions) | 2.9683% | 5,170 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 3,623 |
| Loan loss allowance to noncurrent loans | 124.5257% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 1.0917% | 1,424 |
| Noncurrent loans to loans | 0.8482% | 2,120 |
| Net loans and leases to total assets | 61.7071% | 3,582 |
| Net loans and leases to deposits | 69.2831% | 3,848 |
| Net loans and leases to core deposits | 71.4166% | 4,010 |
| Total domestic deposits to total assets | 89.0652% | 1,065 |
| Equity capital to assets | 10.7369% | 2,833 |
| Core capital (leverage) ratio | 11.4426% | 2,056 |
| Tier 1 risk-based capital ratio | 18.0734% | 1,819 |
| Total risk-based capital ratio | 19.1054% | 1,823 |
| Memoranda: | ||
| Average total assets | $139,818,500 | 3,610 |
| Average earning assets | $130,193,000 | 3,588 |
| Average equity | $15,176,000 | 3,681 |
| Average total loans | $87,220,000 | 3,604 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 859 |
| Cost of funding earning assets | 0.3944% | 3,304 |
| Net interest margin | 4.4708% | 665 |
| Noninterest income to average assets | 1.1715% | 753 |
| Noninterest expense to average assets | 3.7747% | 717 |
| Loan and lease loss provision to assets | 0.1457% | 1,564 |
| Net operating income to assets | 1.4221% | 969 |
| Return on assets (ROA) | 1.4221% | 990 |
| Pretax return on assets | 1.4221% | 1,920 |
| Return on Equity (ROE) | 12.8993% | 974 |
| Retained earnings to average equity (ytd only) | 5.6302% | 1,751 |
| Net charge-offs to loans | 0.1372% | 1,696 |
| Credit loss provision to net charge-offs | 162.6016% | 1,650 |
| Earnings coverage of net charge-offs (x) | 17.4959% | 2,123 |
| Efficiency ratio | 70.6532% | 2,448 |
| Assets per employee ($millions) | 3.1847% | 5,044 |
| Cash dividends to net income (ytd only)* | 56.3525% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 3,326 |
| Loan loss allowance to noncurrent loans | 86.6487% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.1789% | 1,262 |
| Noncurrent loans to loans | 1.2764% | 1,376 |
| Net loans and leases to total assets | 61.7057% | 3,656 |
| Net loans and leases to deposits | 69.4168% | 3,920 |
| Net loans and leases to core deposits | 71.6950% | 4,074 |
| Total domestic deposits to total assets | 88.8916% | 1,050 |
| Equity capital to assets | 10.9707% | 2,651 |
| Core capital (leverage) ratio | 11.4410% | 1,982 |
| Tier 1 risk-based capital ratio | 17.8606% | 1,841 |
| Total risk-based capital ratio | 18.9428% | 1,839 |
| Memoranda: | ||
| Average total assets | $137,257,400 | 3,644 |
| Average earning assets | $128,054,000 | 3,610 |
| Average equity | $15,132,600 | 3,709 |
| Average total loans | $89,681,800 | 3,534 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8895% | 774 |
| Cost of funding earning assets | 0.3958% | 3,243 |
| Net interest margin | 4.4937% | 607 |
| Noninterest income to average assets | 1.1718% | 746 |
| Noninterest expense to average assets | 3.7146% | 756 |
| Loan and lease loss provision to assets | 0.1758% | 1,147 |
| Net operating income to assets | 1.4726% | 955 |
| Return on assets (ROA) | 1.4726% | 971 |
| Pretax return on assets | 1.4726% | 1,871 |
| Return on Equity (ROE) | 13.3397% | 972 |
| Retained earnings to average equity (ytd only) | 7.1475% | 1,615 |
| Net charge-offs to loans | 0.1596% | 1,284 |
| Credit loss provision to net charge-offs | 166.6667% | 1,553 |
| Earnings coverage of net charge-offs (x) | 15.6292% | 2,214 |
| Efficiency ratio | 69.2644% | 2,659 |
| Assets per employee ($millions) | 3.0927% | 5,184 |
| Cash dividends to net income (ytd only)* | 46.4190% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 3,751 |
| Loan loss allowance to noncurrent loans | 134.3575% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.9208% | 1,852 |
| Noncurrent loans to loans | 0.7862% | 2,396 |
| Net loans and leases to total assets | 66.2206% | 3,073 |
| Net loans and leases to deposits | 75.1345% | 3,453 |
| Net loans and leases to core deposits | 78.0405% | 3,629 |
| Total domestic deposits to total assets | 88.1361% | 1,290 |
| Equity capital to assets | 11.5538% | 2,316 |
| Core capital (leverage) ratio | 11.5027% | 2,014 |
| Tier 1 risk-based capital ratio | 17.4543% | 2,022 |
| Total risk-based capital ratio | 18.5095% | 2,030 |
| Memoranda: | ||
| Average total assets | $136,539,750 | 3,695 |
| Average earning assets | $127,344,500 | 3,658 |
| Average equity | $15,072,500 | 3,745 |
| Average total loans | $90,243,750 | 3,555 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7129% | 1,031 |
| Cost of funding earning assets | 0.3959% | 3,119 |
| Net interest margin | 4.3170% | 821 |
| Noninterest income to average assets | 1.0900% | 842 |
| Noninterest expense to average assets | 3.7602% | 708 |
| Loan and lease loss provision to assets | 0.1756% | 1,095 |
| Net operating income to assets | 1.1749% | 1,687 |
| Return on assets (ROA) | 1.1749% | 1,727 |
| Pretax return on assets | 1.1749% | 2,877 |
| Return on Equity (ROE) | 10.8104% | 1,714 |
| Retained earnings to average equity (ytd only) | 4.2138% | 3,199 |
| Net charge-offs to loans | 0.2156% | 948 |
| Credit loss provision to net charge-offs | 123.7113% | 1,747 |
| Earnings coverage of net charge-offs (x) | 9.5155% | 2,427 |
| Efficiency ratio | 73.5757% | 2,086 |
| Assets per employee ($millions) | 3.0666% | 5,214 |
| Cash dividends to net income (ytd only)* | 61.0212% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,998 |
| Loan loss allowance to noncurrent loans | 131.7460% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.8913% | 1,989 |
| Noncurrent loans to loans | 0.7775% | 2,461 |
| Net loans and leases to total assets | 63.9272% | 3,395 |
| Net loans and leases to deposits | 72.0751% | 3,729 |
| Net loans and leases to core deposits | 75.2108% | 3,840 |
| Total domestic deposits to total assets | 88.6953% | 1,107 |
| Equity capital to assets | 11.0684% | 2,736 |
| Core capital (leverage) ratio | 11.2113% | 2,213 |
| Tier 1 risk-based capital ratio | 17.2828% | 2,068 |
| Total risk-based capital ratio | 18.3061% | 2,095 |
| Memoranda: | ||
| Average total assets | $136,694,000 | 3,714 |
| Average earning assets | $127,310,670 | 3,685 |
| Average equity | $14,856,000 | 3,777 |
| Average total loans | $89,967,330 | 3,575 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7201% | 900 |
| Cost of funding earning assets | 0.3955% | 3,035 |
| Net interest margin | 4.3247% | 737 |
| Noninterest income to average assets | 1.0085% | 987 |
| Noninterest expense to average assets | 3.7341% | 743 |
| Loan and lease loss provision to assets | 0.1764% | 998 |
| Net operating income to assets | 1.1173% | 1,801 |
| Return on assets (ROA) | 1.1173% | 1,841 |
| Pretax return on assets | 1.1173% | 2,913 |
| Return on Equity (ROE) | 10.3776% | 1,787 |
| Retained earnings to average equity (ytd only) | 2.1847% | 4,270 |
| Net charge-offs to loans | 0.0575% | 1,759 |
| Credit loss provision to net charge-offs | 461.5385% | 597 |
| Earnings coverage of net charge-offs (x) | 33.8462% | 1,139 |
| Efficiency ratio | 74.2690% | 2,188 |
| Assets per employee ($millions) | 3.1391% | 5,238 |
| Cash dividends to net income (ytd only)* | 78.9474% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 4,046 |
| Loan loss allowance to noncurrent loans | 104.9217% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.0361% | 1,752 |
| Noncurrent loans to loans | 0.9890% | 2,071 |
| Net loans and leases to total assets | 64.7702% | 3,154 |
| Net loans and leases to deposits | 72.6756% | 3,546 |
| Net loans and leases to core deposits | 75.8129% | 3,670 |
| Total domestic deposits to total assets | 89.1224% | 1,095 |
| Equity capital to assets | 10.6973% | 2,964 |
| Core capital (leverage) ratio | 11.0570% | 2,302 |
| Tier 1 risk-based capital ratio | 16.9925% | 2,182 |
| Total risk-based capital ratio | 18.0421% | 2,220 |
| Memoranda: | ||
| Average total assets | $136,043,000 | 3,757 |
| Average earning assets | $126,437,500 | 3,727 |
| Average equity | $14,647,000 | 3,825 |
| Average total loans | $90,386,000 | 3,591 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 753 |
| Cost of funding earning assets | 0.4099% | 2,907 |
| Net interest margin | 4.4805% | 650 |
| Noninterest income to average assets | 1.3057% | 668 |
| Noninterest expense to average assets | 3.9060% | 682 |
| Loan and lease loss provision to assets | 0.1188% | 2,086 |
| Net operating income to assets | 1.4757% | 874 |
| Return on assets (ROA) | 1.4757% | 898 |
| Pretax return on assets | 1.4757% | 1,666 |
| Return on Equity (ROE) | 13.4888% | 883 |
| Retained earnings to average equity (ytd only) | 5.7198% | 1,869 |
| Net charge-offs to loans | 0.1660% | 1,631 |
| Credit loss provision to net charge-offs | 105.9603% | 2,456 |
| Earnings coverage of net charge-offs (x) | 14.2252% | 2,306 |
| Efficiency ratio | 71.0121% | 2,747 |
| Assets per employee ($millions) | 2.9770% | 5,369 |
| Cash dividends to net income (ytd only)* | 57.5956% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9848% | 4,414 |
| Loan loss allowance to noncurrent loans | 93.5857% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.1122% | 1,675 |
| Noncurrent loans to loans | 1.0523% | 1,974 |
| Net loans and leases to total assets | 66.7956% | 2,958 |
| Net loans and leases to deposits | 75.0101% | 3,414 |
| Net loans and leases to core deposits | 77.4197% | 3,613 |
| Total domestic deposits to total assets | 89.0488% | 1,094 |
| Equity capital to assets | 10.8377% | 2,774 |
| Core capital (leverage) ratio | 11.0648% | 2,291 |
| Tier 1 risk-based capital ratio | 17.1330% | 2,115 |
| Total risk-based capital ratio | 18.1423% | 2,142 |
| Memoranda: | ||
| Average total assets | $134,716,600 | 3,760 |
| Average earning assets | $126,124,600 | 3,720 |
| Average equity | $14,738,200 | 3,848 |
| Average total loans | $90,988,400 | 3,559 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8950% | 734 |
| Cost of funding earning assets | 0.4084% | 2,943 |
| Net interest margin | 4.4866% | 650 |
| Noninterest income to average assets | 1.3293% | 665 |
| Noninterest expense to average assets | 3.8417% | 720 |
| Loan and lease loss provision to assets | 0.0988% | 2,251 |
| Net operating income to assets | 1.6021% | 728 |
| Return on assets (ROA) | 1.6021% | 767 |
| Pretax return on assets | 1.6021% | 1,371 |
| Return on Equity (ROE) | 14.6102% | 717 |
| Retained earnings to average equity (ytd only) | 7.7602% | 1,279 |
| Net charge-offs to loans | 0.2165% | 1,073 |
| Credit loss provision to net charge-offs | 67.5676% | 2,829 |
| Earnings coverage of net charge-offs (x) | 11.6283% | 2,470 |
| Efficiency ratio | 69.3117% | 2,997 |
| Assets per employee ($millions) | 3.1603% | 5,228 |
| Cash dividends to net income (ytd only)* | 46.8847% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8871% | 4,911 |
| Loan loss allowance to noncurrent loans | 91.5385% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.1200% | 1,807 |
| Noncurrent loans to loans | 0.9691% | 2,301 |
| Net loans and leases to total assets | 68.4887% | 2,724 |
| Net loans and leases to deposits | 77.5583% | 3,237 |
| Net loans and leases to core deposits | 80.9621% | 3,354 |
| Total domestic deposits to total assets | 88.3061% | 1,235 |
| Equity capital to assets | 11.3885% | 2,613 |
| Core capital (leverage) ratio | 11.1499% | 2,311 |
| Tier 1 risk-based capital ratio | 16.7942% | 2,301 |
| Total risk-based capital ratio | 17.7191% | 2,378 |
| Memoranda: | ||
| Average total assets | $134,904,000 | 3,773 |
| Average earning assets | $126,685,250 | 3,727 |
| Average equity | $14,793,000 | 3,866 |
| Average total loans | $91,142,000 | 3,569 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9003% | 725 |
| Cost of funding earning assets | 0.4081% | 2,956 |
| Net interest margin | 4.4922% | 630 |
| Noninterest income to average assets | 1.4267% | 568 |
| Noninterest expense to average assets | 3.9413% | 639 |
| Loan and lease loss provision to assets | 0.0594% | 2,950 |
| Net operating income to assets | 1.6467% | 649 |
| Return on assets (ROA) | 1.6467% | 691 |
| Pretax return on assets | 1.6467% | 1,230 |
| Return on Equity (ROE) | 15.2142% | 649 |
| Retained earnings to average equity (ytd only) | 8.2113% | 1,106 |
| Net charge-offs to loans | 0.2172% | 1,074 |
| Credit loss provision to net charge-offs | 40.8163% | 2,758 |
| Earnings coverage of net charge-offs (x) | 11.7143% | 2,236 |
| Efficiency ratio | 69.7895% | 3,012 |
| Assets per employee ($millions) | 3.0877% | 5,337 |
| Cash dividends to net income (ytd only)* | 46.0289% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 5,009 |
| Loan loss allowance to noncurrent loans | 103.7831% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 0.9903% | 2,158 |
| Noncurrent loans to loans | 0.8490% | 2,618 |
| Net loans and leases to total assets | 66.6328% | 2,992 |
| Net loans and leases to deposits | 75.6991% | 3,416 |
| Net loans and leases to core deposits | 78.9499% | 3,555 |
| Total domestic deposits to total assets | 88.0233% | 1,422 |
| Equity capital to assets | 10.8690% | 3,206 |
| Core capital (leverage) ratio | 11.0184% | 2,415 |
| Tier 1 risk-based capital ratio | 16.9362% | 2,238 |
| Total risk-based capital ratio | 17.8740% | 2,328 |
| Memoranda: | ||
| Average total assets | $134,575,000 | 3,804 |
| Average earning assets | $126,442,330 | 3,753 |
| Average equity | $14,565,330 | 3,916 |
| Average total loans | $90,221,670 | 3,606 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 663 |
| Cost of funding earning assets | 0.4079% | 2,986 |
| Net interest margin | 4.5226% | 581 |
| Noninterest income to average assets | 1.5772% | 473 |
| Noninterest expense to average assets | 3.8885% | 696 |
| Loan and lease loss provision to assets | 0.0453% | 3,018 |
| Net operating income to assets | 1.8974% | 397 |
| Return on assets (ROA) | 1.8974% | 424 |
| Pretax return on assets | 1.8974% | 694 |
| Return on Equity (ROE) | 17.5701% | 391 |
| Retained earnings to average equity (ytd only) | 12.1144% | 493 |
| Net charge-offs to loans | 0.0045% | 2,969 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 643.0000% | 75 |
| Efficiency ratio | 66.6839% | 3,690 |
| Assets per employee ($millions) | 2.9132% | 5,590 |
| Cash dividends to net income (ytd only)* | 31.0510% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 4,606 |
| Loan loss allowance to noncurrent loans | 152.4702% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.8582% | 2,547 |
| Noncurrent loans to loans | 0.6566% | 3,199 |
| Net loans and leases to total assets | 66.0446% | 2,936 |
| Net loans and leases to deposits | 74.3946% | 3,391 |
| Net loans and leases to core deposits | 77.6762% | 3,524 |
| Total domestic deposits to total assets | 88.7760% | 1,219 |
| Equity capital to assets | 10.9889% | 2,957 |
| Core capital (leverage) ratio | 11.0407% | 2,368 |
| Tier 1 risk-based capital ratio | 17.3732% | 2,160 |
| Total risk-based capital ratio | 18.4311% | 2,187 |
| Memoranda: | ||
| Average total assets | $132,390,000 | 3,872 |
| Average earning assets | $124,530,000 | 3,818 |
| Average equity | $14,297,000 | 3,970 |
| Average total loans | $88,629,500 | 3,643 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9821% | 652 |
| Cost of funding earning assets | 0.4309% | 2,837 |
| Net interest margin | 4.5512% | 604 |
| Noninterest income to average assets | 1.3151% | 701 |
| Noninterest expense to average assets | 3.9827% | 690 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5898% | 721 |
| Return on assets (ROA) | 1.5898% | 745 |
| Pretax return on assets | 1.5898% | 1,280 |
| Return on Equity (ROE) | 15.0203% | 682 |
| Retained earnings to average equity (ytd only) | 6.3595% | 1,625 |
| Net charge-offs to loans | 0.0584% | 3,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 40.8600% | 1,161 |
| Efficiency ratio | 71.4705% | 2,991 |
| Assets per employee ($millions) | 2.8429% | 5,665 |
| Cash dividends to net income (ytd only)* | 57.6603% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 4,593 |
| Loan loss allowance to noncurrent loans | 150.5983% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.8779% | 2,474 |
| Noncurrent loans to loans | 0.6658% | 3,198 |
| Net loans and leases to total assets | 66.5112% | 2,909 |
| Net loans and leases to deposits | 74.5172% | 3,433 |
| Net loans and leases to core deposits | 77.2760% | 3,630 |
| Total domestic deposits to total assets | 89.2561% | 991 |
| Equity capital to assets | 10.6047% | 3,242 |
| Core capital (leverage) ratio | 10.7187% | 2,691 |
| Tier 1 risk-based capital ratio | 17.1121% | 2,246 |
| Total risk-based capital ratio | 18.1691% | 2,262 |
| Memoranda: | ||
| Average total assets | $128,506,800 | 3,916 |
| Average earning assets | $120,211,000 | 3,877 |
| Average equity | $13,601,600 | 4,032 |
| Average total loans | $85,627,800 | 3,680 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9516% | 685 |
| Cost of funding earning assets | 0.4349% | 2,851 |
| Net interest margin | 4.5167% | 625 |
| Noninterest income to average assets | 1.2308% | 795 |
| Noninterest expense to average assets | 3.8569% | 783 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5945% | 779 |
| Return on assets (ROA) | 1.5945% | 811 |
| Pretax return on assets | 1.5945% | 1,397 |
| Return on Equity (ROE) | 15.0717% | 717 |
| Retained earnings to average equity (ytd only) | 6.4522% | 1,989 |
| Net charge-offs to loans | 0.0533% | 2,845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 45.0022% | 1,130 |
| Efficiency ratio | 70.7513% | 3,087 |
| Assets per employee ($millions) | 2.9961% | 5,550 |
| Cash dividends to net income (ytd only)* | 57.1896% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 4,420 |
| Loan loss allowance to noncurrent loans | 174.1748% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.8329% | 2,789 |
| Noncurrent loans to loans | 0.6093% | 3,487 |
| Net loans and leases to total assets | 64.9163% | 3,168 |
| Net loans and leases to deposits | 73.0317% | 3,649 |
| Net loans and leases to core deposits | 76.1408% | 3,784 |
| Total domestic deposits to total assets | 88.8879% | 1,082 |
| Equity capital to assets | 10.8180% | 3,222 |
| Core capital (leverage) ratio | 10.7716% | 2,746 |
| Tier 1 risk-based capital ratio | 17.5678% | 2,168 |
| Total risk-based capital ratio | 18.6891% | 2,160 |
| Memoranda: | ||
| Average total assets | $127,940,500 | 3,972 |
| Average earning assets | $119,554,000 | 3,926 |
| Average equity | $13,535,000 | 4,089 |
| Average total loans | $85,070,000 | 3,730 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9601% | 637 |
| Cost of funding earning assets | 0.4424% | 2,811 |
| Net interest margin | 4.5177% | 620 |
| Noninterest income to average assets | 1.1328% | 943 |
| Noninterest expense to average assets | 3.7793% | 891 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5622% | 812 |
| Return on assets (ROA) | 1.5622% | 840 |
| Pretax return on assets | 1.5622% | 1,446 |
| Return on Equity (ROE) | 14.8795% | 753 |
| Retained earnings to average equity (ytd only) | 6.2234% | 2,104 |
| Net charge-offs to loans | 0.0305% | 3,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 76.6923% | 728 |
| Efficiency ratio | 70.7539% | 3,202 |
| Assets per employee ($millions) | 2.9335% | 5,676 |
| Cash dividends to net income (ytd only)* | 58.1745% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 4,425 |
| Loan loss allowance to noncurrent loans | 157.2899% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 1.0397% | 2,431 |
| Noncurrent loans to loans | 0.6883% | 3,423 |
| Net loans and leases to total assets | 64.9118% | 3,136 |
| Net loans and leases to deposits | 72.6438% | 3,659 |
| Net loans and leases to core deposits | 75.5360% | 3,810 |
| Total domestic deposits to total assets | 89.3563% | 972 |
| Equity capital to assets | 10.4112% | 3,546 |
| Core capital (leverage) ratio | 10.6941% | 2,740 |
| Tier 1 risk-based capital ratio | 17.4922% | 2,224 |
| Total risk-based capital ratio | 18.6531% | 2,209 |
| Memoranda: | ||
| Average total assets | $127,643,330 | 4,005 |
| Average earning assets | $118,910,000 | 3,967 |
| Average equity | $13,401,000 | 4,139 |
| Average total loans | $85,250,000 | 3,745 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9818% | 586 |
| Cost of funding earning assets | 0.4483% | 2,781 |
| Net interest margin | 4.5335% | 570 |
| Noninterest income to average assets | 1.0746% | 977 |
| Noninterest expense to average assets | 3.8289% | 845 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4843% | 870 |
| Return on assets (ROA) | 1.4843% | 927 |
| Pretax return on assets | 1.4843% | 1,612 |
| Return on Equity (ROE) | 14.0781% | 863 |
| Retained earnings to average equity (ytd only) | 5.5595% | 2,743 |
| Net charge-offs to loans | 0.0234% | 2,690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 94.2000% | 518 |
| Efficiency ratio | 72.0641% | 3,163 |
| Assets per employee ($millions) | 2.9777% | 5,699 |
| Cash dividends to net income (ytd only)* | 60.5096% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 4,620 |
| Loan loss allowance to noncurrent loans | 95.3656% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 1.3425% | 1,982 |
| Noncurrent loans to loans | 1.1310% | 2,511 |
| Net loans and leases to total assets | 66.3264% | 2,718 |
| Net loans and leases to deposits | 74.3678% | 3,257 |
| Net loans and leases to core deposits | 77.1709% | 3,468 |
| Total domestic deposits to total assets | 89.1871% | 1,150 |
| Equity capital to assets | 10.6200% | 3,401 |
| Core capital (leverage) ratio | 10.5317% | 2,919 |
| Tier 1 risk-based capital ratio | 17.1504% | 2,425 |
| Total risk-based capital ratio | 18.3194% | 2,414 |
| Memoranda: | ||
| Average total assets | $126,929,000 | 4,044 |
| Average earning assets | $118,673,000 | 4,002 |
| Average equity | $13,382,500 | 4,172 |
| Average total loans | $85,525,000 | 3,760 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 750 |
| Cost of funding earning assets | 0.4907% | 2,766 |
| Net interest margin | 4.5203% | 717 |
| Noninterest income to average assets | 1.1740% | 876 |
| Noninterest expense to average assets | 3.9621% | 785 |
| Loan and lease loss provision to assets | 0.1413% | 1,879 |
| Net operating income to assets | 1.3215% | 1,262 |
| Return on assets (ROA) | 1.3403% | 1,256 |
| Pretax return on assets | 1.3403% | 2,106 |
| Return on Equity (ROE) | 13.6612% | 1,002 |
| Retained earnings to average equity (ytd only) | 7.3825% | 1,236 |
| Net charge-offs to loans | 0.2195% | 1,910 |
| Credit loss provision to net charge-offs | 95.2381% | 2,530 |
| Earnings coverage of net charge-offs (x) | 9.8624% | 2,690 |
| Efficiency ratio | 73.0363% | 3,024 |
| Assets per employee ($millions) | 2.7352% | 5,996 |
| Cash dividends to net income (ytd only)* | 45.9602% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 4,571 |
| Loan loss allowance to noncurrent loans | 227.6284% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 1.0118% | 2,729 |
| Noncurrent loans to loans | 0.4801% | 4,221 |
| Net loans and leases to total assets | 66.9766% | 2,732 |
| Net loans and leases to deposits | 74.9095% | 3,324 |
| Net loans and leases to core deposits | 77.5920% | 3,553 |
| Total domestic deposits to total assets | 89.4100% | 1,009 |
| Equity capital to assets | 10.4652% | 3,528 |
| Core capital (leverage) ratio | 10.4461% | 3,003 |
| Tier 1 risk-based capital ratio | 17.1992% | 2,428 |
| Total risk-based capital ratio | 18.3943% | 2,414 |
| Memoranda: | ||
| Average total assets | $127,431,400 | 4,033 |
| Average earning assets | $119,838,000 | 3,972 |
| Average equity | $12,502,600 | 4,273 |
| Average total loans | $86,100,400 | 3,711 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0201% | 744 |
| Cost of funding earning assets | 0.5039% | 2,716 |
| Net interest margin | 4.5162% | 714 |
| Noninterest income to average assets | 1.1869% | 852 |
| Noninterest expense to average assets | 3.8278% | 933 |
| Loan and lease loss provision to assets | 0.1877% | 1,295 |
| Net operating income to assets | 1.4153% | 1,097 |
| Return on assets (ROA) | 1.4404% | 1,091 |
| Pretax return on assets | 1.4404% | 1,846 |
| Return on Equity (ROE) | 14.9255% | 844 |
| Retained earnings to average equity (ytd only) | 9.5217% | 832 |
| Net charge-offs to loans | 0.1915% | 1,938 |
| Credit loss provision to net charge-offs | 145.1613% | 1,628 |
| Earnings coverage of net charge-offs (x) | 12.3951% | 2,322 |
| Efficiency ratio | 70.4820% | 3,422 |
| Assets per employee ($millions) | 2.7122% | 6,072 |
| Cash dividends to net income (ytd only)* | 36.2056% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 4,553 |
| Loan loss allowance to noncurrent loans | 301.5152% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 1.0067% | 2,942 |
| Noncurrent loans to loans | 0.3785% | 4,778 |
| Net loans and leases to total assets | 69.0940% | 2,349 |
| Net loans and leases to deposits | 77.5956% | 2,993 |
| Net loans and leases to core deposits | 80.3252% | 3,282 |
| Total domestic deposits to total assets | 89.0437% | 1,213 |
| Equity capital to assets | 10.4145% | 3,663 |
| Core capital (leverage) ratio | 10.5155% | 3,026 |
| Tier 1 risk-based capital ratio | 16.7109% | 2,720 |
| Total risk-based capital ratio | 17.9558% | 2,678 |
| Memoranda: | ||
| Average total assets | $127,835,000 | 4,050 |
| Average earning assets | $120,126,500 | 3,987 |
| Average equity | $12,336,500 | 4,320 |
| Average total loans | $86,325,750 | 3,744 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9811% | 777 |
| Cost of funding earning assets | 0.5208% | 2,632 |
| Net interest margin | 4.4602% | 766 |
| Noninterest income to average assets | 1.1609% | 866 |
| Noninterest expense to average assets | 3.8103% | 962 |
| Loan and lease loss provision to assets | 0.1862% | 1,313 |
| Net operating income to assets | 1.3379% | 1,212 |
| Return on assets (ROA) | 1.3379% | 1,256 |
| Pretax return on assets | 1.3379% | 2,125 |
| Return on Equity (ROE) | 14.2272% | 914 |
| Retained earnings to average equity (ytd only) | 10.2660% | 662 |
| Net charge-offs to loans | 0.1255% | 2,412 |
| Credit loss provision to net charge-offs | 222.2222% | 1,072 |
| Earnings coverage of net charge-offs (x) | 18.1852% | 1,697 |
| Efficiency ratio | 71.4286% | 3,440 |
| Assets per employee ($millions) | 2.8848% | 5,902 |
| Cash dividends to net income (ytd only)* | 27.8422% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 4,653 |
| Loan loss allowance to noncurrent loans | 359.2857% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.9498% | 3,158 |
| Noncurrent loans to loans | 0.3208% | 5,047 |
| Net loans and leases to total assets | 66.4623% | 2,679 |
| Net loans and leases to deposits | 75.1103% | 3,177 |
| Net loans and leases to core deposits | 77.8328% | 3,462 |
| Total domestic deposits to total assets | 88.4862% | 1,647 |
| Equity capital to assets | 9.7413% | 4,439 |
| Core capital (leverage) ratio | 10.1322% | 3,432 |
| Tier 1 risk-based capital ratio | 16.1980% | 2,980 |
| Total risk-based capital ratio | 17.4421% | 2,937 |
| Memoranda: | ||
| Average total assets | $128,860,330 | 4,059 |
| Average earning assets | $120,576,670 | 3,993 |
| Average equity | $12,117,670 | 4,373 |
| Average total loans | $86,035,670 | 3,764 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9392% | 805 |
| Cost of funding earning assets | 0.5462% | 2,454 |
| Net interest margin | 4.3930% | 816 |
| Noninterest income to average assets | 1.1746% | 809 |
| Noninterest expense to average assets | 3.8417% | 930 |
| Loan and lease loss provision to assets | 0.1869% | 1,276 |
| Net operating income to assets | 1.2556% | 1,330 |
| Return on assets (ROA) | 1.2556% | 1,387 |
| Pretax return on assets | 1.2556% | 2,263 |
| Return on Equity (ROE) | 13.5994% | 1,016 |
| Retained earnings to average equity (ytd only) | 13.5994% | 425 |
| Net charge-offs to loans | 0.1826% | 1,624 |
| Credit loss provision to net charge-offs | 153.8462% | 1,239 |
| Earnings coverage of net charge-offs (x) | 11.8718% | 1,752 |
| Efficiency ratio | 72.7005% | 3,360 |
| Assets per employee ($millions) | 2.7231% | 6,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 5,053 |
| Loan loss allowance to noncurrent loans | 794.2149% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.9402% | 3,375 |
| Noncurrent loans to loans | 0.1403% | 5,681 |
| Net loans and leases to total assets | 65.2524% | 2,684 |
| Net loans and leases to deposits | 72.1145% | 3,324 |
| Net loans and leases to core deposits | 75.0440% | 3,522 |
| Total domestic deposits to total assets | 90.4844% | 807 |
| Equity capital to assets | 9.3213% | 4,737 |
| Core capital (leverage) ratio | 9.9001% | 3,711 |
| Tier 1 risk-based capital ratio | 16.1520% | 3,087 |
| Total risk-based capital ratio | 17.3573% | 3,077 |
| Memoranda: | ||
| Average total assets | $128,381,500 | 4,093 |
| Average earning assets | $120,100,500 | 4,037 |
| Average equity | $11,853,500 | 4,433 |
| Average total loans | $85,410,500 | 3,815 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2029% | 635 |
| Cost of funding earning assets | 0.6729% | 2,018 |
| Net interest margin | 4.5300% | 693 |
| Noninterest income to average assets | 1.2672% | 861 |
| Noninterest expense to average assets | 4.0397% | 837 |
| Loan and lease loss provision to assets | 0.1412% | 2,541 |
| Net operating income to assets | 1.3027% | 1,241 |
| Return on assets (ROA) | 1.3027% | 1,285 |
| Pretax return on assets | 1.3027% | 2,139 |
| Return on Equity (ROE) | 13.6313% | 1,034 |
| Retained earnings to average equity (ytd only) | 4.3833% | 3,055 |
| Net charge-offs to loans | 0.0596% | 4,387 |
| Credit loss provision to net charge-offs | 343.1373% | 664 |
| Earnings coverage of net charge-offs (x) | 35.0784% | 1,058 |
| Efficiency ratio | 73.3588% | 3,238 |
| Assets per employee ($millions) | 2.5725% | 6,352 |
| Cash dividends to net income (ytd only)* | 67.8439% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 5,092 |
| Loan loss allowance to noncurrent loans | 193.8144% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 1.3177% | 2,781 |
| Noncurrent loans to loans | 0.5735% | 4,548 |
| Net loans and leases to total assets | 66.3440% | 2,641 |
| Net loans and leases to deposits | 73.1487% | 3,379 |
| Net loans and leases to core deposits | 76.2869% | 3,577 |
| Total domestic deposits to total assets | 90.6975% | 705 |
| Equity capital to assets | 9.1415% | 4,878 |
| Core capital (leverage) ratio | 9.6242% | 4,084 |
| Tier 1 risk-based capital ratio | 16.0715% | 3,065 |
| Total risk-based capital ratio | 17.2824% | 3,036 |
| Memoranda: | ||
| Average total assets | $123,895,000 | 4,186 |
| Average earning assets | $115,319,200 | 4,152 |
| Average equity | $11,840,400 | 4,473 |
| Average total loans | $85,615,200 | 3,786 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2141% | 624 |
| Cost of funding earning assets | 0.6865% | 2,041 |
| Net interest margin | 4.5276% | 701 |
| Noninterest income to average assets | 1.2062% | 998 |
| Noninterest expense to average assets | 3.9181% | 942 |
| Loan and lease loss provision to assets | 0.1892% | 1,937 |
| Net operating income to assets | 1.3122% | 1,318 |
| Return on assets (ROA) | 1.3122% | 1,374 |
| Pretax return on assets | 1.3122% | 2,292 |
| Return on Equity (ROE) | 13.5794% | 1,105 |
| Retained earnings to average equity (ytd only) | 5.4697% | 2,737 |
| Net charge-offs to loans | 0.0637% | 4,003 |
| Credit loss provision to net charge-offs | 426.8293% | 620 |
| Earnings coverage of net charge-offs (x) | 33.8751% | 1,132 |
| Efficiency ratio | 71.9585% | 3,411 |
| Assets per employee ($millions) | 2.5141% | 6,463 |
| Cash dividends to net income (ytd only)* | 59.7196% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 5,388 |
| Loan loss allowance to noncurrent loans | 282.7381% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 1.2176% | 3,211 |
| Noncurrent loans to loans | 0.3835% | 5,249 |
| Net loans and leases to total assets | 70.3561% | 1,903 |
| Net loans and leases to deposits | 77.9724% | 2,670 |
| Net loans and leases to core deposits | 81.3415% | 2,955 |
| Total domestic deposits to total assets | 90.2321% | 874 |
| Equity capital to assets | 9.4765% | 4,581 |
| Core capital (leverage) ratio | 10.0680% | 3,573 |
| Tier 1 risk-based capital ratio | 15.5090% | 3,468 |
| Total risk-based capital ratio | 16.6933% | 3,455 |
| Memoranda: | ||
| Average total assets | $123,355,750 | 4,237 |
| Average earning assets | $114,789,000 | 4,208 |
| Average equity | $11,919,750 | 4,509 |
| Average total loans | $85,877,000 | 3,811 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1853% | 652 |
| Cost of funding earning assets | 0.7088% | 2,012 |
| Net interest margin | 4.4765% | 740 |
| Noninterest income to average assets | 1.1571% | 1,140 |
| Noninterest expense to average assets | 4.0061% | 858 |
| Loan and lease loss provision to assets | 0.2836% | 1,283 |
| Net operating income to assets | 1.0129% | 2,279 |
| Return on assets (ROA) | 1.0129% | 2,407 |
| Pretax return on assets | 1.0129% | 3,451 |
| Return on Equity (ROE) | 10.4152% | 2,036 |
| Retained earnings to average equity (ytd only) | 1.6664% | 5,184 |
| Net charge-offs to loans | 0.1125% | 3,237 |
| Credit loss provision to net charge-offs | 364.5833% | 714 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,651 |
| Efficiency ratio | 75.1834% | 2,919 |
| Assets per employee ($millions) | 2.5160% | 6,486 |
| Cash dividends to net income (ytd only)* | 84.0000% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 5,378 |
| Loan loss allowance to noncurrent loans | 620.3947% | 707 |
| Noncurrent assets plus other real estate owned to assets | 1.1291% | 3,482 |
| Noncurrent loans to loans | 0.1798% | 5,870 |
| Net loans and leases to total assets | 67.8106% | 2,282 |
| Net loans and leases to deposits | 74.9975% | 3,014 |
| Net loans and leases to core deposits | 78.0424% | 3,282 |
| Total domestic deposits to total assets | 90.4172% | 797 |
| Equity capital to assets | 9.3233% | 4,828 |
| Core capital (leverage) ratio | 9.6242% | 4,039 |
| Tier 1 risk-based capital ratio | 15.4456% | 3,510 |
| Total risk-based capital ratio | 16.6547% | 3,490 |
| Memoranda: | ||
| Average total assets | $123,411,330 | 4,270 |
| Average earning assets | $114,285,330 | 4,250 |
| Average equity | $12,001,670 | 4,535 |
| Average total loans | $85,295,670 | 3,844 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2137% | 591 |
| Cost of funding earning assets | 0.7368% | 1,946 |
| Net interest margin | 4.4769% | 704 |
| Noninterest income to average assets | 1.2731% | 943 |
| Noninterest expense to average assets | 4.0105% | 877 |
| Loan and lease loss provision to assets | 0.3240% | 1,038 |
| Net operating income to assets | 1.0528% | 2,023 |
| Return on assets (ROA) | 1.0528% | 2,134 |
| Pretax return on assets | 1.0528% | 3,136 |
| Return on Equity (ROE) | 10.6075% | 1,836 |
| Retained earnings to average equity (ytd only) | 1.6319% | 5,166 |
| Net charge-offs to loans | 0.1634% | 2,423 |
| Credit loss provision to net charge-offs | 285.7143% | 830 |
| Earnings coverage of net charge-offs (x) | 12.1429% | 1,622 |
| Efficiency ratio | 74.0830% | 3,251 |
| Assets per employee ($millions) | 2.7295% | 6,369 |
| Cash dividends to net income (ytd only)* | 84.6154% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 5,865 |
| Loan loss allowance to noncurrent loans | 138.5220% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 1.9839% | 2,364 |
| Noncurrent loans to loans | 0.7459% | 4,636 |
| Net loans and leases to total assets | 67.2067% | 2,155 |
| Net loans and leases to deposits | 74.6279% | 2,832 |
| Net loans and leases to core deposits | 77.6059% | 3,124 |
| Total domestic deposits to total assets | 90.0557% | 1,013 |
| Equity capital to assets | 9.7627% | 4,478 |
| Core capital (leverage) ratio | 9.5750% | 3,967 |
| Tier 1 risk-based capital ratio | 15.1006% | 3,768 |
| Total risk-based capital ratio | 16.2101% | 3,832 |
| Memoranda: | ||
| Average total assets | $123,475,500 | 4,319 |
| Average earning assets | $113,470,500 | 4,301 |
| Average equity | $12,255,500 | 4,529 |
| Average total loans | $85,672,500 | 3,851 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4292% | 720 |
| Cost of funding earning assets | 0.9332% | 1,743 |
| Net interest margin | 4.4959% | 955 |
| Noninterest income to average assets | 1.0290% | 1,456 |
| Noninterest expense to average assets | 3.8106% | 1,235 |
| Loan and lease loss provision to assets | 0.3837% | 1,703 |
| Net operating income to assets | 0.9531% | 2,530 |
| Return on assets (ROA) | 0.9671% | 2,711 |
| Pretax return on assets | 0.9671% | 3,670 |
| Return on Equity (ROE) | 9.8602% | 2,228 |
| Retained earnings to average equity (ytd only) | 5.1068% | 2,639 |
| Net charge-offs to loans | 0.7198% | 1,634 |
| Credit loss provision to net charge-offs | 77.8894% | 3,896 |
| Earnings coverage of net charge-offs (x) | 2.7136% | 4,073 |
| Efficiency ratio | 73.6614% | 3,122 |
| Assets per employee ($millions) | 2.5290% | 6,591 |
| Cash dividends to net income (ytd only)* | 48.2082% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 6,132 |
| Loan loss allowance to noncurrent loans | 113.0194% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.8848% | 2,592 |
| Noncurrent loans to loans | 0.8388% | 4,514 |
| Net loans and leases to total assets | 70.2386% | 1,797 |
| Net loans and leases to deposits | 78.2181% | 2,493 |
| Net loans and leases to core deposits | 81.8681% | 2,787 |
| Total domestic deposits to total assets | 89.7983% | 1,065 |
| Equity capital to assets | 10.0937% | 4,044 |
| Core capital (leverage) ratio | 9.7451% | 3,740 |
| Tier 1 risk-based capital ratio | 15.3437% | 3,516 |
| Total risk-based capital ratio | 16.3928% | 3,593 |
| Memoranda: | ||
| Average total assets | $121,187,200 | 4,336 |
| Average earning assets | $111,011,400 | 4,316 |
| Average equity | $11,886,200 | 4,589 |
| Average total loans | $82,935,600 | 3,946 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4557% | 749 |
| Cost of funding earning assets | 0.9741% | 1,713 |
| Net interest margin | 4.4816% | 1,027 |
| Noninterest income to average assets | 0.8926% | 1,856 |
| Noninterest expense to average assets | 3.7500% | 1,290 |
| Loan and lease loss provision to assets | 0.3467% | 1,888 |
| Net operating income to assets | 0.8926% | 3,020 |
| Return on assets (ROA) | 0.8926% | 3,257 |
| Pretax return on assets | 0.8926% | 4,141 |
| Return on Equity (ROE) | 9.1679% | 2,722 |
| Retained earnings to average equity (ytd only) | 3.6287% | 4,328 |
| Net charge-offs to loans | 0.7888% | 1,400 |
| Credit loss provision to net charge-offs | 64.8148% | 4,034 |
| Earnings coverage of net charge-offs (x) | 2.3169% | 4,118 |
| Efficiency ratio | 74.7849% | 2,861 |
| Assets per employee ($millions) | 2.4304% | 6,757 |
| Cash dividends to net income (ytd only)* | 60.4193% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 6,325 |
| Loan loss allowance to noncurrent loans | 88.0952% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 2.1437% | 2,500 |
| Noncurrent loans to loans | 1.0431% | 4,355 |
| Net loans and leases to total assets | 68.9431% | 2,123 |
| Net loans and leases to deposits | 76.7495% | 2,862 |
| Net loans and leases to core deposits | 80.7151% | 3,119 |
| Total domestic deposits to total assets | 89.8288% | 939 |
| Equity capital to assets | 9.9203% | 4,620 |
| Core capital (leverage) ratio | 9.5318% | 4,224 |
| Tier 1 risk-based capital ratio | 15.0997% | 3,773 |
| Total risk-based capital ratio | 16.1074% | 3,900 |
| Memoranda: | ||
| Average total assets | $121,136,000 | 4,372 |
| Average earning assets | $110,732,000 | 4,371 |
| Average equity | $11,794,500 | 4,657 |
| Average total loans | $82,149,500 | 4,017 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4564% | 788 |
| Cost of funding earning assets | 1.0120% | 1,694 |
| Net interest margin | 4.4444% | 1,091 |
| Noninterest income to average assets | 0.9470% | 1,623 |
| Noninterest expense to average assets | 3.7584% | 1,279 |
| Loan and lease loss provision to assets | 0.3553% | 1,858 |
| Net operating income to assets | 0.8908% | 2,955 |
| Return on assets (ROA) | 0.8908% | 3,214 |
| Pretax return on assets | 0.8908% | 4,112 |
| Return on Equity (ROE) | 9.2076% | 2,712 |
| Retained earnings to average equity (ytd only) | 3.3995% | 4,339 |
| Net charge-offs to loans | 0.4893% | 2,118 |
| Credit loss provision to net charge-offs | 108.0402% | 2,520 |
| Earnings coverage of net charge-offs (x) | 3.7889% | 3,267 |
| Efficiency ratio | 74.7028% | 2,947 |
| Assets per employee ($millions) | 2.5411% | 6,724 |
| Cash dividends to net income (ytd only)* | 63.0798% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 5,559 |
| Loan loss allowance to noncurrent loans | 459.0476% | 788 |
| Noncurrent assets plus other real estate owned to assets | 1.9029% | 2,902 |
| Noncurrent loans to loans | 0.2512% | 6,074 |
| Net loans and leases to total assets | 67.7366% | 2,320 |
| Net loans and leases to deposits | 75.2358% | 3,094 |
| Net loans and leases to core deposits | 78.8963% | 3,380 |
| Total domestic deposits to total assets | 90.0323% | 906 |
| Equity capital to assets | 9.7045% | 4,756 |
| Core capital (leverage) ratio | 9.4251% | 4,261 |
| Tier 1 risk-based capital ratio | 14.8510% | 3,862 |
| Total risk-based capital ratio | 16.0943% | 3,822 |
| Memoranda: | ||
| Average total assets | $121,008,330 | 4,397 |
| Average earning assets | $110,476,330 | 4,402 |
| Average equity | $11,707,670 | 4,674 |
| Average total loans | $81,347,330 | 4,065 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4270% | 876 |
| Cost of funding earning assets | 1.0514% | 1,664 |
| Net interest margin | 4.3756% | 1,281 |
| Noninterest income to average assets | 0.9359% | 1,612 |
| Noninterest expense to average assets | 3.6407% | 1,478 |
| Loan and lease loss provision to assets | 0.3319% | 1,886 |
| Net operating income to assets | 0.9824% | 2,547 |
| Return on assets (ROA) | 0.9824% | 2,749 |
| Pretax return on assets | 0.9824% | 3,739 |
| Return on Equity (ROE) | 10.1692% | 2,337 |
| Retained earnings to average equity (ytd only) | 5.0159% | 3,546 |
| Net charge-offs to loans | 0.4587% | 1,948 |
| Credit loss provision to net charge-offs | 108.6957% | 2,151 |
| Earnings coverage of net charge-offs (x) | 4.3043% | 2,599 |
| Efficiency ratio | 73.0743% | 3,243 |
| Assets per employee ($millions) | 2.5640% | 6,784 |
| Cash dividends to net income (ytd only)* | 50.6757% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 5,544 |
| Loan loss allowance to noncurrent loans | 155.1948% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 2.4002% | 2,468 |
| Noncurrent loans to loans | 0.7663% | 5,128 |
| Net loans and leases to total assets | 64.5430% | 2,752 |
| Net loans and leases to deposits | 71.4826% | 3,513 |
| Net loans and leases to core deposits | 74.5540% | 3,826 |
| Total domestic deposits to total assets | 90.2919% | 921 |
| Equity capital to assets | 9.5066% | 4,798 |
| Core capital (leverage) ratio | 10.2031% | 3,102 |
| Tier 1 risk-based capital ratio | 15.1081% | 3,684 |
| Total risk-based capital ratio | 16.3253% | 3,664 |
| Memoranda: | ||
| Average total assets | $120,525,500 | 4,439 |
| Average earning assets | $110,706,000 | 4,422 |
| Average equity | $11,643,000 | 4,693 |
| Average total loans | $80,228,500 | 4,116 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6317% | 896 |
| Cost of funding earning assets | 1.3485% | 1,247 |
| Net interest margin | 4.2832% | 1,759 |
| Noninterest income to average assets | 1.0862% | 1,123 |
| Noninterest expense to average assets | 3.7870% | 1,370 |
| Loan and lease loss provision to assets | 0.3371% | 3,002 |
| Net operating income to assets | 0.8326% | 2,904 |
| Return on assets (ROA) | 0.8326% | 3,063 |
| Pretax return on assets | 0.8326% | 3,857 |
| Return on Equity (ROE) | 8.8147% | 2,537 |
| Retained earnings to average equity (ytd only) | 5.4690% | 2,323 |
| Net charge-offs to loans | 0.5084% | 2,959 |
| Credit loss provision to net charge-offs | 98.5222% | 3,647 |
| Earnings coverage of net charge-offs (x) | 3.4187% | 3,528 |
| Efficiency ratio | 76.0116% | 2,888 |
| Assets per employee ($millions) | 2.5647% | 6,768 |
| Cash dividends to net income (ytd only)* | 37.9555% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 5,471 |
| Loan loss allowance to noncurrent loans | 111.3984% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 2.7726% | 2,189 |
| Noncurrent loans to loans | 1.0629% | 4,583 |
| Net loans and leases to total assets | 67.0617% | 2,572 |
| Net loans and leases to deposits | 74.4857% | 3,419 |
| Net loans and leases to core deposits | 77.4459% | 3,757 |
| Total domestic deposits to total assets | 90.0329% | 978 |
| Equity capital to assets | 9.8205% | 4,417 |
| Core capital (leverage) ratio | 9.4382% | 4,127 |
| Tier 1 risk-based capital ratio | 15.1958% | 3,515 |
| Total risk-based capital ratio | 16.4460% | 3,480 |
| Memoranda: | ||
| Average total assets | $118,668,800 | 4,439 |
| Average earning assets | $107,232,600 | 4,470 |
| Average equity | $11,208,600 | 4,737 |
| Average total loans | $79,855,000 | 4,144 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6490% | 937 |
| Cost of funding earning assets | 1.4198% | 1,154 |
| Net interest margin | 4.2293% | 1,995 |
| Noninterest income to average assets | 1.2004% | 917 |
| Noninterest expense to average assets | 3.7909% | 1,314 |
| Loan and lease loss provision to assets | 0.3646% | 2,673 |
| Net operating income to assets | 0.8414% | 2,980 |
| Return on assets (ROA) | 0.8414% | 3,128 |
| Pretax return on assets | 0.8414% | 3,978 |
| Return on Equity (ROE) | 8.9973% | 2,603 |
| Retained earnings to average equity (ytd only) | 8.9973% | 1,148 |
| Net charge-offs to loans | 0.6048% | 2,437 |
| Credit loss provision to net charge-offs | 89.7790% | 3,777 |
| Earnings coverage of net charge-offs (x) | 2.9696% | 3,658 |
| Efficiency ratio | 75.4827% | 2,922 |
| Assets per employee ($millions) | 2.5630% | 6,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 5,728 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 3.0441% | 2,105 |
| Noncurrent loans to loans | 0.8144% | 5,238 |
| Net loans and leases to total assets | 66.0017% | 2,898 |
| Net loans and leases to deposits | 73.3764% | 3,744 |
| Net loans and leases to core deposits | 77.3249% | 4,001 |
| Total domestic deposits to total assets | 89.9495% | 892 |
| Equity capital to assets | 9.7508% | 4,703 |
| Core capital (leverage) ratio | 9.5656% | 4,050 |
| Tier 1 risk-based capital ratio | 14.9505% | 3,687 |
| Total risk-based capital ratio | 16.1495% | 3,695 |
| Memoranda: | ||
| Average total assets | $118,841,500 | 4,462 |
| Average earning assets | $106,682,750 | 4,511 |
| Average equity | $11,114,250 | 4,779 |
| Average total loans | $79,802,250 | 4,178 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6783% | 908 |
| Cost of funding earning assets | 1.4696% | 1,119 |
| Net interest margin | 4.2087% | 2,002 |
| Noninterest income to average assets | 1.3761% | 671 |
| Noninterest expense to average assets | 3.9070% | 1,180 |
| Loan and lease loss provision to assets | 0.4649% | 2,121 |
| Net operating income to assets | 0.7760% | 3,170 |
| Return on assets (ROA) | 0.7760% | 3,304 |
| Pretax return on assets | 0.7760% | 4,114 |
| Return on Equity (ROE) | 8.4192% | 2,759 |
| Retained earnings to average equity (ytd only) | 8.4192% | 1,294 |
| Net charge-offs to loans | 0.3970% | 2,971 |
| Credit loss provision to net charge-offs | 174.0506% | 1,731 |
| Earnings coverage of net charge-offs (x) | 4.6456% | 2,809 |
| Efficiency ratio | 75.5008% | 3,104 |
| Assets per employee ($millions) | 2.4693% | 6,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 4,869 |
| Loan loss allowance to noncurrent loans | 109.2857% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 3.5341% | 1,856 |
| Noncurrent loans to loans | 1.2263% | 4,613 |
| Net loans and leases to total assets | 65.1652% | 3,214 |
| Net loans and leases to deposits | 72.1537% | 4,086 |
| Net loans and leases to core deposits | 75.9186% | 4,328 |
| Total domestic deposits to total assets | 90.3144% | 806 |
| Equity capital to assets | 9.3905% | 4,994 |
| Core capital (leverage) ratio | 9.3923% | 4,123 |
| Tier 1 risk-based capital ratio | 14.4988% | 3,787 |
| Total risk-based capital ratio | 15.7511% | 3,761 |
| Memoranda: | ||
| Average total assets | $118,301,330 | 4,508 |
| Average earning assets | $106,017,330 | 4,565 |
| Average equity | $10,903,670 | 4,824 |
| Average total loans | $79,595,000 | 4,232 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6029% | 1,048 |
| Cost of funding earning assets | 1.5199% | 1,093 |
| Net interest margin | 4.0830% | 2,331 |
| Noninterest income to average assets | 1.0944% | 1,095 |
| Noninterest expense to average assets | 3.7245% | 1,489 |
| Loan and lease loss provision to assets | 0.5130% | 1,695 |
| Net operating income to assets | 0.5780% | 4,147 |
| Return on assets (ROA) | 0.5780% | 4,221 |
| Pretax return on assets | 0.5780% | 4,774 |
| Return on Equity (ROE) | 6.3328% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.3328% | 2,450 |
| Net charge-offs to loans | 0.8309% | 1,582 |
| Credit loss provision to net charge-offs | 90.9091% | 2,925 |
| Earnings coverage of net charge-offs (x) | 1.9333% | 3,343 |
| Efficiency ratio | 76.9176% | 2,996 |
| Assets per employee ($millions) | 2.4689% | 7,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 5,748 |
| Loan loss allowance to noncurrent loans | 54.4348% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 3.6707% | 1,847 |
| Noncurrent loans to loans | 2.1581% | 3,374 |
| Net loans and leases to total assets | 66.6579% | 2,843 |
| Net loans and leases to deposits | 73.5249% | 3,844 |
| Net loans and leases to core deposits | 77.2548% | 4,120 |
| Total domestic deposits to total assets | 90.6603% | 777 |
| Equity capital to assets | 9.0924% | 5,067 |
| Core capital (leverage) ratio | 9.1817% | 4,320 |
| Tier 1 risk-based capital ratio | 14.2237% | 3,917 |
| Total risk-based capital ratio | 15.4556% | 3,904 |
| Memoranda: | ||
| Average total assets | $116,955,000 | 4,562 |
| Average earning assets | $106,588,000 | 4,576 |
| Average equity | $10,674,500 | 4,875 |
| Average total loans | $79,434,000 | 4,274 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8210% | 1,222 |
| Cost of funding earning assets | 1.7498% | 1,379 |
| Net interest margin | 4.0712% | 2,702 |
| Noninterest income to average assets | 0.8316% | 2,134 |
| Noninterest expense to average assets | 3.8141% | 1,459 |
| Loan and lease loss provision to assets | 1.3646% | 1,108 |
| Net operating income to assets | -0.6542% | 6,487 |
| Return on assets (ROA) | -0.6542% | 6,519 |
| Pretax return on assets | -0.6542% | 6,432 |
| Return on Equity (ROE) | -6.7775% | 6,545 |
| Retained earnings to average equity (ytd only) | -8.9866% | 6,590 |
| Net charge-offs to loans | 2.1946% | 892 |
| Credit loss provision to net charge-offs | 89.9382% | 5,136 |
| Earnings coverage of net charge-offs (x) | 0.4682% | 5,645 |
| Efficiency ratio | 83.8643% | 1,935 |
| Assets per employee ($millions) | 2.4043% | 7,127 |
| Cash dividends to net income (ytd only)* | -32.5945% | 7,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 5,467 |
| Loan loss allowance to noncurrent loans | 133.4266% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 2.8924% | 2,427 |
| Noncurrent loans to loans | 0.9058% | 5,248 |
| Net loans and leases to total assets | 67.5725% | 3,088 |
| Net loans and leases to deposits | 74.5369% | 4,108 |
| Net loans and leases to core deposits | 78.8358% | 4,365 |
| Total domestic deposits to total assets | 90.6564% | 766 |
| Equity capital to assets | 9.1625% | 4,895 |
| Core capital (leverage) ratio | 8.9952% | 4,566 |
| Tier 1 risk-based capital ratio | 14.2365% | 3,723 |
| Total risk-based capital ratio | 15.4857% | 3,673 |
| Memoranda: | ||
| Average total assets | $117,250,000 | 4,546 |
| Average earning assets | $106,355,600 | 4,553 |
| Average equity | $11,316,800 | 4,786 |
| Average total loans | $81,062,600 | 4,308 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8363% | 1,291 |
| Cost of funding earning assets | 1.7799% | 1,507 |
| Net interest margin | 4.0564% | 2,828 |
| Noninterest income to average assets | 0.6581% | 3,085 |
| Noninterest expense to average assets | 3.8964% | 1,208 |
| Loan and lease loss provision to assets | 1.4159% | 952 |
| Net operating income to assets | -0.9809% | 6,893 |
| Return on assets (ROA) | -0.9809% | 6,935 |
| Pretax return on assets | -0.9809% | 6,849 |
| Return on Equity (ROE) | -10.0382% | 6,934 |
| Retained earnings to average equity (ytd only) | -12.9360% | 7,007 |
| Net charge-offs to loans | 2.2452% | 796 |
| Credit loss provision to net charge-offs | 90.9753% | 4,727 |
| Earnings coverage of net charge-offs (x) | 0.2795% | 5,748 |
| Efficiency ratio | 89.5136% | 1,325 |
| Assets per employee ($millions) | 2.5336% | 7,039 |
| Cash dividends to net income (ytd only)* | -28.8687% | 7,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 5,124 |
| Loan loss allowance to noncurrent loans | 63.6192% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 3.2871% | 2,173 |
| Noncurrent loans to loans | 1.9930% | 3,691 |
| Net loans and leases to total assets | 67.4169% | 3,348 |
| Net loans and leases to deposits | 74.4939% | 4,431 |
| Net loans and leases to core deposits | 78.9730% | 4,670 |
| Total domestic deposits to total assets | 90.4998% | 639 |
| Equity capital to assets | 9.2522% | 5,222 |
| Core capital (leverage) ratio | 8.9089% | 4,837 |
| Tier 1 risk-based capital ratio | 14.0602% | 3,790 |
| Total risk-based capital ratio | 15.3115% | 3,761 |
| Memoranda: | ||
| Average total assets | $117,711,250 | 4,588 |
| Average earning assets | $106,594,500 | 4,602 |
| Average equity | $11,502,500 | 4,809 |
| Average total loans | $81,594,250 | 4,363 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8553% | 1,292 |
| Cost of funding earning assets | 1.8048% | 1,624 |
| Net interest margin | 4.0505% | 2,785 |
| Noninterest income to average assets | 1.7206% | 448 |
| Noninterest expense to average assets | 4.0119% | 1,029 |
| Loan and lease loss provision to assets | 1.0161% | 1,434 |
| Net operating income to assets | 0.3489% | 4,977 |
| Return on assets (ROA) | 0.3489% | 5,143 |
| Pretax return on assets | 0.3489% | 5,374 |
| Return on Equity (ROE) | 3.5087% | 5,013 |
| Retained earnings to average equity (ytd only) | -0.7494% | 5,914 |
| Net charge-offs to loans | 1.3760% | 1,381 |
| Credit loss provision to net charge-offs | 106.0071% | 3,845 |
| Earnings coverage of net charge-offs (x) | 1.4240% | 4,419 |
| Efficiency ratio | 74.2362% | 3,428 |
| Assets per employee ($millions) | 3.0351% | 6,067 |
| Cash dividends to net income (ytd only)* | 121.3592% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 4,351 |
| Loan loss allowance to noncurrent loans | 42.6224% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 4.3778% | 1,525 |
| Noncurrent loans to loans | 3.3212% | 2,409 |
| Net loans and leases to total assets | 68.6607% | 3,205 |
| Net loans and leases to deposits | 76.4706% | 4,244 |
| Net loans and leases to core deposits | 80.7955% | 4,575 |
| Total domestic deposits to total assets | 89.7870% | 1,031 |
| Equity capital to assets | 9.9443% | 4,089 |
| Core capital (leverage) ratio | 9.7984% | 3,407 |
| Tier 1 risk-based capital ratio | 14.9330% | 3,189 |
| Total risk-based capital ratio | 16.1981% | 3,147 |
| Memoranda: | ||
| Average total assets | $118,100,000 | 4,615 |
| Average earning assets | $106,603,670 | 4,630 |
| Average equity | $11,742,330 | 4,750 |
| Average total loans | $82,265,670 | 4,375 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8693% | 1,275 |
| Cost of funding earning assets | 1.8533% | 1,646 |
| Net interest margin | 4.0160% | 2,806 |
| Noninterest income to average assets | 1.4581% | 559 |
| Noninterest expense to average assets | 3.8927% | 1,179 |
| Loan and lease loss provision to assets | 1.0172% | 1,225 |
| Net operating income to assets | 0.1560% | 5,834 |
| Return on assets (ROA) | 0.1560% | 5,958 |
| Pretax return on assets | 0.1560% | 6,002 |
| Return on Equity (ROE) | 1.5689% | 5,936 |
| Retained earnings to average equity (ytd only) | -6.9577% | 6,734 |
| Net charge-offs to loans | 1.5284% | 1,139 |
| Credit loss provision to net charge-offs | 95.5414% | 3,539 |
| Earnings coverage of net charge-offs (x) | 1.1019% | 4,107 |
| Efficiency ratio | 76.4391% | 3,142 |
| Assets per employee ($millions) | 2.9677% | 6,292 |
| Cash dividends to net income (ytd only)* | 543.4783% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 4,529 |
| Loan loss allowance to noncurrent loans | 36.7488% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 4.6829% | 1,418 |
| Noncurrent loans to loans | 3.7481% | 2,119 |
| Net loans and leases to total assets | 67.4950% | 3,508 |
| Net loans and leases to deposits | 75.0206% | 4,575 |
| Net loans and leases to core deposits | 79.0142% | 4,891 |
| Total domestic deposits to total assets | 89.9687% | 1,002 |
| Equity capital to assets | 9.7618% | 4,159 |
| Core capital (leverage) ratio | 9.7107% | 3,504 |
| Tier 1 risk-based capital ratio | 14.8029% | 3,208 |
| Total risk-based capital ratio | 16.0672% | 3,159 |
| Memoranda: | ||
| Average total assets | $117,965,500 | 4,676 |
| Average earning assets | $105,975,500 | 4,704 |
| Average equity | $11,728,000 | 4,783 |
| Average total loans | $82,178,500 | 4,435 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5291% | 632 |
| Cost of funding earning assets | 2.3733% | 1,382 |
| Net interest margin | 4.1557% | 2,225 |
| Noninterest income to average assets | 1.5689% | 581 |
| Noninterest expense to average assets | 3.9313% | 1,467 |
| Loan and lease loss provision to assets | 0.6780% | 3,107 |
| Net operating income to assets | 0.6701% | 3,058 |
| Return on assets (ROA) | 0.6701% | 3,113 |
| Pretax return on assets | 0.6701% | 3,683 |
| Return on Equity (ROE) | 6.4519% | 3,016 |
| Retained earnings to average equity (ytd only) | -0.1172% | 4,962 |
| Net charge-offs to loans | 0.7090% | 3,062 |
| Credit loss provision to net charge-offs | 134.0206% | 3,717 |
| Earnings coverage of net charge-offs (x) | 2.6649% | 3,778 |
| Efficiency ratio | 74.0863% | 3,879 |
| Assets per employee ($millions) | 3.0848% | 6,022 |
| Cash dividends to net income (ytd only)* | 101.8158% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 4,418 |
| Loan loss allowance to noncurrent loans | 46.9735% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 3.9873% | 1,656 |
| Noncurrent loans to loans | 2.9020% | 2,662 |
| Net loans and leases to total assets | 69.9376% | 3,269 |
| Net loans and leases to deposits | 77.9818% | 4,378 |
| Net loans and leases to core deposits | 105.7068% | 3,370 |
| Total domestic deposits to total assets | 89.6846% | 1,117 |
| Equity capital to assets | 10.1243% | 3,595 |
| Core capital (leverage) ratio | 10.0114% | 3,078 |
| Tier 1 risk-based capital ratio | 14.7994% | 3,046 |
| Total risk-based capital ratio | 16.0598% | 2,995 |
| Memoranda: | ||
| Average total assets | $115,049,800 | 4,698 |
| Average earning assets | $102,725,400 | 4,767 |
| Average equity | $11,950,000 | 4,757 |
| Average total loans | $82,091,800 | 4,443 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5598% | 662 |
| Cost of funding earning assets | 2.4868% | 1,347 |
| Net interest margin | 4.0731% | 2,502 |
| Noninterest income to average assets | 1.5789% | 590 |
| Noninterest expense to average assets | 3.9578% | 1,334 |
| Loan and lease loss provision to assets | 0.4949% | 3,424 |
| Net operating income to assets | 0.7708% | 2,935 |
| Return on assets (ROA) | 0.7708% | 2,994 |
| Pretax return on assets | 0.7708% | 3,624 |
| Return on Equity (ROE) | 7.3735% | 2,920 |
| Retained earnings to average equity (ytd only) | 1.4146% | 4,527 |
| Net charge-offs to loans | 0.3356% | 3,960 |
| Credit loss provision to net charge-offs | 206.3107% | 2,148 |
| Earnings coverage of net charge-offs (x) | 5.2767% | 2,876 |
| Efficiency ratio | 75.3901% | 3,616 |
| Assets per employee ($millions) | 2.8946% | 6,422 |
| Cash dividends to net income (ytd only)* | 80.8166% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 4,043 |
| Loan loss allowance to noncurrent loans | 49.0855% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 3.5022% | 1,898 |
| Noncurrent loans to loans | 2.8152% | 2,692 |
| Net loans and leases to total assets | 71.1301% | 3,237 |
| Net loans and leases to deposits | 79.7108% | 4,440 |
| Net loans and leases to core deposits | 109.5915% | 3,278 |
| Total domestic deposits to total assets | 89.2352% | 1,090 |
| Equity capital to assets | 10.4271% | 3,587 |
| Core capital (leverage) ratio | 10.1098% | 3,163 |
| Tier 1 risk-based capital ratio | 15.1907% | 2,960 |
| Total risk-based capital ratio | 16.4553% | 2,893 |
| Memoranda: | ||
| Average total assets | $114,506,500 | 4,729 |
| Average earning assets | $102,459,500 | 4,807 |
| Average equity | $11,970,500 | 4,803 |
| Average total loans | $81,835,750 | 4,490 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6321% | 622 |
| Cost of funding earning assets | 2.5748% | 1,357 |
| Net interest margin | 4.0573% | 2,477 |
| Noninterest income to average assets | 1.4586% | 701 |
| Noninterest expense to average assets | 4.0077% | 1,306 |
| Loan and lease loss provision to assets | 0.4821% | 3,117 |
| Net operating income to assets | 0.5768% | 3,782 |
| Return on assets (ROA) | 0.5768% | 3,890 |
| Pretax return on assets | 0.5768% | 4,380 |
| Return on Equity (ROE) | 5.5126% | 3,859 |
| Retained earnings to average equity (ytd only) | -2.0274% | 5,748 |
| Net charge-offs to loans | 0.3150% | 3,612 |
| Credit loss provision to net charge-offs | 214.8438% | 2,141 |
| Earnings coverage of net charge-offs (x) | 4.7188% | 3,026 |
| Efficiency ratio | 78.6851% | 3,238 |
| Assets per employee ($millions) | 2.8459% | 6,525 |
| Cash dividends to net income (ytd only)* | 136.7781% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3196% | 4,164 |
| Loan loss allowance to noncurrent loans | 44.3443% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 3.9012% | 1,541 |
| Noncurrent loans to loans | 2.9758% | 2,427 |
| Net loans and leases to total assets | 71.0779% | 3,447 |
| Net loans and leases to deposits | 79.6717% | 4,586 |
| Net loans and leases to core deposits | 109.2209% | 3,468 |
| Total domestic deposits to total assets | 89.2135% | 1,159 |
| Equity capital to assets | 10.4096% | 3,507 |
| Core capital (leverage) ratio | 10.0197% | 3,279 |
| Tier 1 risk-based capital ratio | 15.1041% | 2,977 |
| Total risk-based capital ratio | 16.3681% | 2,907 |
| Memoranda: | ||
| Average total assets | $114,080,330 | 4,773 |
| Average earning assets | $101,445,670 | 4,860 |
| Average equity | $11,936,330 | 4,829 |
| Average total loans | $81,277,000 | 4,550 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7552% | 520 |
| Cost of funding earning assets | 2.6870% | 1,308 |
| Net interest margin | 4.0682% | 2,411 |
| Noninterest income to average assets | 1.2574% | 903 |
| Noninterest expense to average assets | 3.7337% | 1,588 |
| Loan and lease loss provision to assets | 0.4378% | 2,734 |
| Net operating income to assets | 0.6865% | 3,624 |
| Return on assets (ROA) | 0.6865% | 3,806 |
| Pretax return on assets | 0.6865% | 4,478 |
| Return on Equity (ROE) | 6.5445% | 3,804 |
| Retained earnings to average equity (ytd only) | -3.4726% | 6,362 |
| Net charge-offs to loans | 0.1977% | 3,451 |
| Credit loss provision to net charge-offs | 312.5000% | 1,563 |
| Earnings coverage of net charge-offs (x) | 8.0250% | 2,250 |
| Efficiency ratio | 76.4239% | 3,419 |
| Assets per employee ($millions) | 2.9004% | 6,412 |
| Cash dividends to net income (ytd only)* | 153.0612% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 4,491 |
| Loan loss allowance to noncurrent loans | 59.7890% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 2.9436% | 1,924 |
| Noncurrent loans to loans | 2.0820% | 3,144 |
| Net loans and leases to total assets | 69.7519% | 3,735 |
| Net loans and leases to deposits | 78.0061% | 4,922 |
| Net loans and leases to core deposits | 107.9954% | 3,681 |
| Total domestic deposits to total assets | 89.4185% | 1,048 |
| Equity capital to assets | 10.2488% | 3,713 |
| Core capital (leverage) ratio | 10.0075% | 3,406 |
| Tier 1 risk-based capital ratio | 15.0349% | 3,052 |
| Total risk-based capital ratio | 16.2986% | 2,985 |
| Memoranda: | ||
| Average total assets | $114,202,000 | 4,796 |
| Average earning assets | $101,077,500 | 4,882 |
| Average equity | $11,979,500 | 4,840 |
| Average total loans | $80,918,000 | 4,585 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2369% | 678 |
| Cost of funding earning assets | 3.1114% | 1,470 |
| Net interest margin | 4.1255% | 2,601 |
| Noninterest income to average assets | 1.4550% | 671 |
| Noninterest expense to average assets | 3.8811% | 1,593 |
| Loan and lease loss provision to assets | 0.3386% | 3,684 |
| Net operating income to assets | 1.0629% | 2,295 |
| Return on assets (ROA) | 1.0629% | 2,202 |
| Pretax return on assets | 1.0629% | 3,171 |
| Return on Equity (ROE) | 9.9854% | 2,264 |
| Retained earnings to average equity (ytd only) | 1.6405% | 4,225 |
| Net charge-offs to loans | 0.6476% | 1,911 |
| Credit loss provision to net charge-offs | 78.8382% | 5,926 |
| Earnings coverage of net charge-offs (x) | 3.2635% | 4,459 |
| Efficiency ratio | 73.0815% | 3,734 |
| Assets per employee ($millions) | 3.2111% | 5,452 |
| Cash dividends to net income (ytd only)* | 83.5708% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 4,773 |
| Loan loss allowance to noncurrent loans | 52.6168% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 2.9513% | 1,561 |
| Noncurrent loans to loans | 2.2242% | 2,477 |
| Net loans and leases to total assets | 70.2545% | 3,960 |
| Net loans and leases to deposits | 78.9716% | 5,201 |
| Net loans and leases to core deposits | 108.0742% | 3,960 |
| Total domestic deposits to total assets | 88.9617% | 1,057 |
| Equity capital to assets | 10.7385% | 3,262 |
| Core capital (leverage) ratio | 10.2890% | 3,179 |
| Tier 1 risk-based capital ratio | 15.3791% | 2,889 |
| Total risk-based capital ratio | 16.6132% | 2,826 |
| Memoranda: | ||
| Average total assets | $112,237,400 | 4,717 |
| Average earning assets | $104,133,200 | 4,677 |
| Average equity | $11,947,400 | 4,841 |
| Average total loans | $74,427,600 | 4,720 |