Home > Citizens Community Bank > Performance and Condition Ratios
Citizens Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7747% | 2,524 |
| Cost of funding earning assets | 1.2546% | 2,647 |
| Net interest margin | 3.5202% | 2,140 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.4302% | 2,497 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9917% | 2,251 |
| Return on assets (ROA) | 0.9917% | 2,229 |
| Pretax return on assets | 1.2745% | 1,946 |
| Return on Equity (ROE) | 9.1900% | 2,707 |
| Retained earnings to average equity (ytd only) | 5.7547% | 2,339 |
| Net charge-offs to loans | -0.0058% | 3,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.5976% | 2,403 |
| Assets per employee ($millions) | 5.5207% | 3,233 |
| Cash dividends to net income (ytd only)* | 37.3802% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 1,452 |
| Loan loss allowance to noncurrent loans | 664.8352% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 2,565 |
| Noncurrent loans to loans | 0.2079% | 2,476 |
| Net loans and leases to total assets | 68.0000% | 2,036 |
| Net loans and leases to deposits | 76.8881% | 2,364 |
| Net loans and leases to core deposits | 81.9100% | 2,588 |
| Total domestic deposits to total assets | 88.4400% | 1,221 |
| Equity capital to assets | 11.3588% | 1,347 |
| Core capital (leverage) ratio | 12.5586% | 1,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $126,245,600 | 3,585 |
| Average earning assets | $117,011,800 | 3,575 |
| Average equity | $13,623,600 | 3,372 |
| Average total loans | $85,884,600 | 3,350 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6732% | 2,526 |
| Cost of funding earning assets | 1.1674% | 2,537 |
| Net interest margin | 3.5058% | 2,195 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.5278% | 2,144 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8683% | 2,800 |
| Return on assets (ROA) | 0.8683% | 2,788 |
| Pretax return on assets | 1.1560% | 2,400 |
| Return on Equity (ROE) | 8.1500% | 3,147 |
| Retained earnings to average equity (ytd only) | 4.8967% | 2,969 |
| Net charge-offs to loans | -0.0094% | 3,918 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.6190% | 1,947 |
| Assets per employee ($millions) | 5.8134% | 2,916 |
| Cash dividends to net income (ytd only)* | 39.9513% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 1,412 |
| Loan loss allowance to noncurrent loans | 621.0256% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 2,560 |
| Noncurrent loans to loans | 0.2270% | 2,439 |
| Net loans and leases to total assets | 66.2100% | 2,220 |
| Net loans and leases to deposits | 74.4036% | 2,530 |
| Net loans and leases to core deposits | 77.9621% | 2,743 |
| Total domestic deposits to total assets | 88.9900% | 1,257 |
| Equity capital to assets | 10.7049% | 1,473 |
| Core capital (leverage) ratio | 12.4658% | 1,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $126,062,750 | 3,605 |
| Average earning assets | $116,719,250 | 3,591 |
| Average equity | $13,423,750 | 3,384 |
| Average total loans | $85,467,500 | 3,353 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4921% | 2,661 |
| Cost of funding earning assets | 1.0537% | 2,439 |
| Net interest margin | 3.4384% | 2,420 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.5763% | 1,989 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7844% | 3,129 |
| Return on assets (ROA) | 0.7844% | 3,141 |
| Pretax return on assets | 1.0554% | 2,766 |
| Return on Equity (ROE) | 7.3800% | 3,392 |
| Retained earnings to average equity (ytd only) | 3.9596% | 3,216 |
| Net charge-offs to loans | -0.0164% | 4,077 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.9394% | 1,679 |
| Assets per employee ($millions) | 5.7766% | 2,910 |
| Cash dividends to net income (ytd only)* | 46.3415% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 1,434 |
| Loan loss allowance to noncurrent loans | 490.6883% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 2,223 |
| Noncurrent loans to loans | 0.2903% | 2,094 |
| Net loans and leases to total assets | 66.0000% | 2,154 |
| Net loans and leases to deposits | 74.0218% | 2,486 |
| Net loans and leases to core deposits | 77.1651% | 2,677 |
| Total domestic deposits to total assets | 89.1700% | 1,189 |
| Equity capital to assets | 10.6126% | 1,546 |
| Core capital (leverage) ratio | 12.3244% | 1,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $125,452,000 | 3,622 |
| Average earning assets | $116,160,333 | 3,607 |
| Average equity | $13,334,667 | 3,403 |
| Average total loans | $85,325,000 | 3,360 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3240% | 2,741 |
| Cost of funding earning assets | 0.9243% | 2,297 |
| Net interest margin | 3.3996% | 2,637 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.6060% | 1,938 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7285% | 3,399 |
| Return on assets (ROA) | 0.7285% | 3,360 |
| Pretax return on assets | 0.9692% | 3,083 |
| Return on Equity (ROE) | 6.8500% | 3,555 |
| Retained earnings to average equity (ytd only) | 3.0471% | 3,493 |
| Net charge-offs to loans | -0.0281% | 4,197 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.8905% | 1,452 |
| Assets per employee ($millions) | 5.6258% | 3,099 |
| Cash dividends to net income (ytd only)* | 55.5066% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 1,495 |
| Loan loss allowance to noncurrent loans | 257.1125% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.4403% | 1,166 |
| Noncurrent loans to loans | 0.5568% | 1,327 |
| Net loans and leases to total assets | 67.3600% | 1,917 |
| Net loans and leases to deposits | 75.9707% | 2,120 |
| Net loans and leases to core deposits | 78.3207% | 2,369 |
| Total domestic deposits to total assets | 88.6700% | 1,673 |
| Equity capital to assets | 10.8566% | 1,398 |
| Core capital (leverage) ratio | 12.4228% | 1,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $124,635,500 | 3,674 |
| Average earning assets | $115,542,500 | 3,662 |
| Average equity | $13,258,500 | 3,452 |
| Average total loans | $85,441,500 | 3,398 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6386% | 2,687 |
| Cost of funding earning assets | 0.4595% | 1,652 |
| Net interest margin | 3.1791% | 2,930 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.2592% | 2,863 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8572% | 3,124 |
| Return on assets (ROA) | 0.8572% | 3,058 |
| Pretax return on assets | 1.1467% | 2,620 |
| Return on Equity (ROE) | 8.2300% | 3,322 |
| Retained earnings to average equity (ytd only) | 6.1670% | 2,579 |
| Net charge-offs to loans | 0.0237% | 1,585 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 75.8947% | 1,117 |
| Efficiency ratio | 66.3320% | 2,177 |
| Assets per employee ($millions) | 5.7047% | 3,029 |
| Cash dividends to net income (ytd only)* | 25.0464% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 1,514 |
| Loan loss allowance to noncurrent loans | 247.4333% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4470% | 1,138 |
| Noncurrent loans to loans | 0.5643% | 1,318 |
| Net loans and leases to total assets | 67.8000% | 1,849 |
| Net loans and leases to deposits | 75.9237% | 2,107 |
| Net loans and leases to core deposits | 77.8164% | 2,294 |
| Total domestic deposits to total assets | 89.3000% | 1,633 |
| Equity capital to assets | 10.4221% | 1,488 |
| Core capital (leverage) ratio | 13.1230% | 910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $125,751,600 | 3,681 |
| Average earning assets | $117,516,800 | 3,650 |
| Average equity | $13,102,000 | 3,560 |
| Average total loans | $80,219,600 | 3,414 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4877% | 2,654 |
| Cost of funding earning assets | 0.3853% | 1,398 |
| Net interest margin | 3.1024% | 2,931 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.3092% | 2,605 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8043% | 3,242 |
| Return on assets (ROA) | 0.8043% | 3,204 |
| Pretax return on assets | 1.0343% | 2,914 |
| Return on Equity (ROE) | 7.7200% | 3,402 |
| Retained earnings to average equity (ytd only) | 5.8896% | 2,788 |
| Net charge-offs to loans | -0.0034% | 3,386 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.0650% | 1,879 |
| Assets per employee ($millions) | 5.7182% | 3,018 |
| Cash dividends to net income (ytd only)* | 23.7154% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 1,432 |
| Loan loss allowance to noncurrent loans | 293.3014% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3323% | 1,613 |
| Noncurrent loans to loans | 0.4966% | 1,555 |
| Net loans and leases to total assets | 65.9300% | 1,899 |
| Net loans and leases to deposits | 73.6489% | 2,086 |
| Net loans and leases to core deposits | 75.3019% | 2,252 |
| Total domestic deposits to total assets | 89.5200% | 1,863 |
| Equity capital to assets | 10.0754% | 1,580 |
| Core capital (leverage) ratio | 12.7916% | 970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $125,813,750 | 3,700 |
| Average earning assets | $117,669,250 | 3,677 |
| Average equity | $13,107,500 | 3,602 |
| Average total loans | $78,700,000 | 3,442 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2813% | 2,796 |
| Cost of funding earning assets | 0.3699% | 1,110 |
| Net interest margin | 2.9114% | 3,133 |
| Noninterest income to average assets | 0.4260% | 2,593 |
| Noninterest expense to average assets | 2.2064% | 2,833 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7519% | 3,138 |
| Return on assets (ROA) | 0.7519% | 3,091 |
| Pretax return on assets | 0.9474% | 2,911 |
| Return on Equity (ROE) | 7.1387% | 3,274 |
| Retained earnings to average equity (ytd only) | 5.7804% | 2,406 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9597% | 1,965 |
| Assets per employee ($millions) | 5.7463% | 2,979 |
| Cash dividends to net income (ytd only)* | 19.0275% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 1,396 |
| Loan loss allowance to noncurrent loans | 334.4262% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 1,847 |
| Noncurrent loans to loans | 0.4495% | 1,771 |
| Net loans and leases to total assets | 63.4462% | 1,971 |
| Net loans and leases to deposits | 70.9102% | 2,120 |
| Net loans and leases to core deposits | 72.7088% | 2,263 |
| Total domestic deposits to total assets | 89.4739% | 1,959 |
| Equity capital to assets | 10.2390% | 1,569 |
| Core capital (leverage) ratio | 12.6951% | 912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,818,000 | 3,746 |
| Average earning assets | $117,881,000 | 3,726 |
| Average equity | $13,251,667 | 3,662 |
| Average total loans | $76,878,333 | 3,506 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2391% | 2,571 |
| Cost of funding earning assets | 0.3679% | 1,071 |
| Net interest margin | 2.8713% | 2,923 |
| Noninterest income to average assets | 0.4175% | 2,573 |
| Noninterest expense to average assets | 2.2021% | 2,834 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7266% | 2,955 |
| Return on assets (ROA) | 0.7266% | 2,943 |
| Pretax return on assets | 0.9019% | 2,771 |
| Return on Equity (ROE) | 6.8032% | 3,096 |
| Retained earnings to average equity (ytd only) | 6.8032% | 1,957 |
| Net charge-offs to loans | -0.0054% | 3,359 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9446% | 2,111 |
| Assets per employee ($millions) | 6.4103% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6402% | 1,176 |
| Loan loss allowance to noncurrent loans | 251.5400% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.3799% | 1,589 |
| Noncurrent loans to loans | 0.6520% | 1,449 |
| Net loans and leases to total assets | 57.3008% | 2,378 |
| Net loans and leases to deposits | 64.0223% | 2,528 |
| Net loans and leases to core deposits | 65.7640% | 2,652 |
| Total domestic deposits to total assets | 89.5013% | 1,810 |
| Equity capital to assets | 10.2187% | 1,743 |
| Core capital (leverage) ratio | 12.4977% | 909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,517,500 | 3,767 |
| Average earning assets | $117,438,500 | 3,750 |
| Average equity | $13,405,500 | 3,718 |
| Average total loans | $74,601,500 | 3,545 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4595% | 2,777 |
| Cost of funding earning assets | 0.4671% | 1,081 |
| Net interest margin | 2.9924% | 3,218 |
| Noninterest income to average assets | 0.4759% | 2,696 |
| Noninterest expense to average assets | 2.4945% | 2,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6561% | 3,731 |
| Return on assets (ROA) | 0.6561% | 3,788 |
| Pretax return on assets | 0.7765% | 3,773 |
| Return on Equity (ROE) | 5.9241% | 3,793 |
| Retained earnings to average equity (ytd only) | 3.5749% | 3,395 |
| Net charge-offs to loans | -0.0068% | 3,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2599% | 1,086 |
| Assets per employee ($millions) | 5.5831% | 3,180 |
| Cash dividends to net income (ytd only)* | 39.6552% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 1,171 |
| Loan loss allowance to noncurrent loans | 199.6737% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4991% | 1,338 |
| Noncurrent loans to loans | 0.8227% | 1,239 |
| Net loans and leases to total assets | 59.6691% | 2,191 |
| Net loans and leases to deposits | 67.3618% | 2,369 |
| Net loans and leases to core deposits | 69.2902% | 2,522 |
| Total domestic deposits to total assets | 88.5801% | 1,744 |
| Equity capital to assets | 11.1619% | 1,691 |
| Core capital (leverage) ratio | 11.3162% | 1,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,753,800 | 3,761 |
| Average earning assets | $115,594,600 | 3,744 |
| Average equity | $13,706,800 | 3,769 |
| Average total loans | $73,989,800 | 3,584 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5556% | 2,680 |
| Cost of funding earning assets | 0.4885% | 1,108 |
| Net interest margin | 3.0671% | 3,134 |
| Noninterest income to average assets | 0.4839% | 2,697 |
| Noninterest expense to average assets | 2.5293% | 2,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6603% | 3,870 |
| Return on assets (ROA) | 0.6603% | 3,925 |
| Pretax return on assets | 0.8173% | 3,859 |
| Return on Equity (ROE) | 5.9729% | 3,919 |
| Retained earnings to average equity (ytd only) | 3.4437% | 3,754 |
| Net charge-offs to loans | -0.0126% | 3,773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5784% | 1,067 |
| Assets per employee ($millions) | 5.6940% | 3,001 |
| Cash dividends to net income (ytd only)* | 42.3453% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6704% | 1,174 |
| Loan loss allowance to noncurrent loans | 666.3043% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 3,130 |
| Noncurrent loans to loans | 0.2507% | 2,936 |
| Net loans and leases to total assets | 57.6137% | 2,546 |
| Net loans and leases to deposits | 64.9844% | 2,736 |
| Net loans and leases to core deposits | 66.8040% | 2,883 |
| Total domestic deposits to total assets | 88.6578% | 1,482 |
| Equity capital to assets | 10.9829% | 2,028 |
| Core capital (leverage) ratio | 11.1759% | 1,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,985,000 | 3,795 |
| Average earning assets | $115,720,750 | 3,780 |
| Average equity | $13,706,000 | 3,817 |
| Average total loans | $73,858,500 | 3,633 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7655% | 2,157 |
| Cost of funding earning assets | 0.5106% | 1,140 |
| Net interest margin | 3.2548% | 2,598 |
| Noninterest income to average assets | 0.4565% | 2,813 |
| Noninterest expense to average assets | 2.3665% | 2,561 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9032% | 3,210 |
| Return on assets (ROA) | 0.9032% | 3,289 |
| Pretax return on assets | 1.1234% | 3,135 |
| Return on Equity (ROE) | 8.1527% | 3,367 |
| Retained earnings to average equity (ytd only) | 5.6689% | 2,933 |
| Net charge-offs to loans | -0.0108% | 3,698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8108% | 1,900 |
| Assets per employee ($millions) | 5.3876% | 3,251 |
| Cash dividends to net income (ytd only)* | 30.4659% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6913% | 1,079 |
| Loan loss allowance to noncurrent loans | 683.2402% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 2,802 |
| Noncurrent loans to loans | 0.2475% | 3,061 |
| Net loans and leases to total assets | 57.3700% | 2,742 |
| Net loans and leases to deposits | 64.8146% | 2,916 |
| Net loans and leases to core deposits | 66.4883% | 3,077 |
| Total domestic deposits to total assets | 88.5139% | 1,552 |
| Equity capital to assets | 11.1367% | 1,887 |
| Core capital (leverage) ratio | 11.1015% | 1,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,557,667 | 3,817 |
| Average earning assets | $115,151,333 | 3,797 |
| Average equity | $13,688,667 | 3,824 |
| Average total loans | $74,012,333 | 3,654 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1712% | 1,250 |
| Cost of funding earning assets | 0.5406% | 1,163 |
| Net interest margin | 3.6306% | 1,498 |
| Noninterest income to average assets | 0.4442% | 2,851 |
| Noninterest expense to average assets | 2.3148% | 2,742 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2223% | 2,060 |
| Return on assets (ROA) | 1.2223% | 2,141 |
| Pretax return on assets | 1.5043% | 1,980 |
| Return on Equity (ROE) | 11.0614% | 2,347 |
| Retained earnings to average equity (ytd only) | 8.7141% | 2,034 |
| Net charge-offs to loans | -0.0107% | 3,691 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6112% | 2,962 |
| Assets per employee ($millions) | 5.4256% | 3,185 |
| Cash dividends to net income (ytd only)* | 21.2202% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6570% | 1,150 |
| Loan loss allowance to noncurrent loans | 939.2308% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 3,242 |
| Noncurrent loans to loans | 0.1764% | 3,476 |
| Net loans and leases to total assets | 58.0724% | 2,790 |
| Net loans and leases to deposits | 65.5398% | 2,969 |
| Net loans and leases to core deposits | 67.4077% | 3,120 |
| Total domestic deposits to total assets | 88.6064% | 1,557 |
| Equity capital to assets | 11.0018% | 1,860 |
| Core capital (leverage) ratio | 11.0153% | 1,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,379,000 | 3,826 |
| Average earning assets | $114,692,000 | 3,801 |
| Average equity | $13,633,000 | 3,831 |
| Average total loans | $74,862,000 | 3,655 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9286% | 2,942 |
| Cost of funding earning assets | 0.7607% | 1,394 |
| Net interest margin | 3.1679% | 3,441 |
| Noninterest income to average assets | 0.6053% | 2,200 |
| Noninterest expense to average assets | 2.5941% | 2,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7159% | 3,380 |
| Return on assets (ROA) | 0.7159% | 3,510 |
| Pretax return on assets | 0.9448% | 3,236 |
| Return on Equity (ROE) | 6.1891% | 3,520 |
| Retained earnings to average equity (ytd only) | 3.5345% | 3,064 |
| Net charge-offs to loans | -0.0079% | 4,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3019% | 1,529 |
| Assets per employee ($millions) | 5.2890% | 3,060 |
| Cash dividends to net income (ytd only)* | 42.8922% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 1,271 |
| Loan loss allowance to noncurrent loans | 786.4516% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 3,240 |
| Noncurrent loans to loans | 0.2046% | 3,478 |
| Net loans and leases to total assets | 61.2691% | 2,694 |
| Net loans and leases to deposits | 69.1815% | 2,964 |
| Net loans and leases to core deposits | 71.1951% | 3,159 |
| Total domestic deposits to total assets | 88.5628% | 1,186 |
| Equity capital to assets | 11.0459% | 2,213 |
| Core capital (leverage) ratio | 11.1134% | 1,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,990,200 | 3,824 |
| Average earning assets | $105,559,200 | 3,830 |
| Average equity | $13,184,400 | 3,846 |
| Average total loans | $76,137,200 | 3,621 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0913% | 2,696 |
| Cost of funding earning assets | 0.7987% | 1,507 |
| Net interest margin | 3.2926% | 3,220 |
| Noninterest income to average assets | 0.5960% | 2,193 |
| Noninterest expense to average assets | 2.6398% | 2,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7435% | 3,306 |
| Return on assets (ROA) | 0.7435% | 3,409 |
| Pretax return on assets | 1.0064% | 3,050 |
| Return on Equity (ROE) | 6.3509% | 3,428 |
| Retained earnings to average equity (ytd only) | 3.5565% | 3,281 |
| Net charge-offs to loans | -0.0070% | 4,140 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3980% | 1,594 |
| Assets per employee ($millions) | 5.5538% | 2,660 |
| Cash dividends to net income (ytd only)* | 44.0000% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6264% | 1,027 |
| Loan loss allowance to noncurrent loans | 936.1538% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 3,452 |
| Noncurrent loans to loans | 0.1737% | 3,689 |
| Net loans and leases to total assets | 63.1158% | 2,870 |
| Net loans and leases to deposits | 71.7452% | 3,157 |
| Net loans and leases to core deposits | 73.7440% | 3,336 |
| Total domestic deposits to total assets | 87.9722% | 1,225 |
| Equity capital to assets | 11.4353% | 2,059 |
| Core capital (leverage) ratio | 11.3940% | 1,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,076,000 | 3,849 |
| Average earning assets | $103,827,500 | 3,849 |
| Average equity | $13,121,250 | 3,856 |
| Average total loans | $76,233,750 | 3,635 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 2,910 |
| Cost of funding earning assets | 0.8233% | 1,712 |
| Net interest margin | 3.3266% | 3,318 |
| Noninterest income to average assets | 0.5843% | 2,190 |
| Noninterest expense to average assets | 2.7244% | 2,309 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6910% | 3,418 |
| Return on assets (ROA) | 0.6910% | 3,520 |
| Pretax return on assets | 0.9371% | 3,210 |
| Return on Equity (ROE) | 5.8547% | 3,564 |
| Retained earnings to average equity (ytd only) | 2.7894% | 3,463 |
| Net charge-offs to loans | -0.0078% | 4,139 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4071% | 1,425 |
| Assets per employee ($millions) | 5.4456% | 2,696 |
| Cash dividends to net income (ytd only)* | 52.3560% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6051% | 998 |
| Loan loss allowance to noncurrent loans | 996.7213% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.2134% | 3,476 |
| Noncurrent loans to loans | 0.1610% | 3,809 |
| Net loans and leases to total assets | 65.1830% | 2,739 |
| Net loans and leases to deposits | 74.1372% | 3,068 |
| Net loans and leases to core deposits | 76.0346% | 3,281 |
| Total domestic deposits to total assets | 87.9221% | 1,222 |
| Equity capital to assets | 11.5305% | 1,951 |
| Core capital (leverage) ratio | 11.4150% | 1,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,558,000 | 3,859 |
| Average earning assets | $102,266,000 | 3,862 |
| Average equity | $13,049,333 | 3,865 |
| Average total loans | $76,702,000 | 3,634 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 2,504 |
| Cost of funding earning assets | 0.8631% | 2,044 |
| Net interest margin | 3.5683% | 2,775 |
| Noninterest income to average assets | 0.5964% | 2,056 |
| Noninterest expense to average assets | 2.9450% | 2,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6847% | 3,322 |
| Return on assets (ROA) | 0.6847% | 3,391 |
| Pretax return on assets | 0.9387% | 3,033 |
| Return on Equity (ROE) | 5.7315% | 3,416 |
| Retained earnings to average equity (ytd only) | 2.6500% | 3,208 |
| Net charge-offs to loans | -0.0104% | 4,092 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8294% | 1,583 |
| Assets per employee ($millions) | 5.0384% | 2,606 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5990% | 1,073 |
| Loan loss allowance to noncurrent loans | 934.6154% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 3,562 |
| Noncurrent loans to loans | 0.1711% | 3,854 |
| Net loans and leases to total assets | 67.4561% | 2,625 |
| Net loans and leases to deposits | 77.0041% | 2,978 |
| Net loans and leases to core deposits | 78.8241% | 3,295 |
| Total domestic deposits to total assets | 87.6006% | 1,273 |
| Equity capital to assets | 11.7760% | 2,232 |
| Core capital (leverage) ratio | 11.9426% | 1,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,658,000 | 3,859 |
| Average earning assets | $100,102,500 | 3,873 |
| Average equity | $12,981,000 | 3,883 |
| Average total loans | $77,174,000 | 3,625 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6116% | 2,565 |
| Cost of funding earning assets | 0.8142% | 2,616 |
| Net interest margin | 3.7974% | 2,505 |
| Noninterest income to average assets | 0.5939% | 2,258 |
| Noninterest expense to average assets | 2.8785% | 2,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8647% | 3,339 |
| Return on assets (ROA) | 0.8647% | 3,431 |
| Pretax return on assets | 1.2141% | 2,788 |
| Return on Equity (ROE) | 7.0923% | 3,524 |
| Retained earnings to average equity (ytd only) | 4.0357% | 2,944 |
| Net charge-offs to loans | -0.0448% | 4,807 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3344% | 2,124 |
| Assets per employee ($millions) | 4.6292% | 3,046 |
| Cash dividends to net income (ytd only)* | 43.0976% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 1,089 |
| Loan loss allowance to noncurrent loans | 905.2239% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.2404% | 3,479 |
| Noncurrent loans to loans | 0.1710% | 3,848 |
| Net loans and leases to total assets | 72.4594% | 2,017 |
| Net loans and leases to deposits | 82.9639% | 2,445 |
| Net loans and leases to core deposits | 85.0014% | 2,871 |
| Total domestic deposits to total assets | 87.3385% | 1,438 |
| Equity capital to assets | 12.1243% | 2,062 |
| Core capital (leverage) ratio | 12.1789% | 1,668 |
| Tier 1 risk-based capital ratio | 15.3507% | 2,633 |
| Total risk-based capital ratio | 16.6036% | 2,566 |
| Memoranda: | ||
| Average total assets | $103,040,200 | 3,952 |
| Average earning assets | $94,934,000 | 3,951 |
| Average equity | $12,563,000 | 3,929 |
| Average total loans | $78,182,800 | 3,633 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5468% | 2,909 |
| Cost of funding earning assets | 0.7996% | 2,722 |
| Net interest margin | 3.7472% | 2,761 |
| Noninterest income to average assets | 0.5989% | 2,207 |
| Noninterest expense to average assets | 2.9058% | 2,247 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7986% | 3,680 |
| Return on assets (ROA) | 0.7986% | 3,753 |
| Pretax return on assets | 1.1417% | 3,159 |
| Return on Equity (ROE) | 6.5401% | 3,864 |
| Retained earnings to average equity (ytd only) | 3.5051% | 3,654 |
| Net charge-offs to loans | -0.0068% | 4,283 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7924% | 1,870 |
| Assets per employee ($millions) | 4.9667% | 2,594 |
| Cash dividends to net income (ytd only)* | 46.4055% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4784% | 1,311 |
| Loan loss allowance to noncurrent loans | 502.9787% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 3,141 |
| Noncurrent loans to loans | 0.2939% | 3,485 |
| Net loans and leases to total assets | 75.5228% | 1,560 |
| Net loans and leases to deposits | 86.3935% | 2,147 |
| Net loans and leases to core deposits | 88.8111% | 2,654 |
| Total domestic deposits to total assets | 87.4172% | 1,300 |
| Equity capital to assets | 12.1964% | 2,113 |
| Core capital (leverage) ratio | 12.3669% | 1,647 |
| Tier 1 risk-based capital ratio | 15.0254% | 2,833 |
| Total risk-based capital ratio | 16.2779% | 2,766 |
| Memoranda: | ||
| Average total assets | $102,182,250 | 4,005 |
| Average earning assets | $94,040,750 | 4,012 |
| Average equity | $12,476,500 | 3,975 |
| Average total loans | $78,138,000 | 3,672 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4625% | 3,139 |
| Cost of funding earning assets | 0.7705% | 2,800 |
| Net interest margin | 3.6920% | 2,955 |
| Noninterest income to average assets | 0.5716% | 2,281 |
| Noninterest expense to average assets | 2.9209% | 2,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7174% | 3,947 |
| Return on assets (ROA) | 0.7174% | 4,005 |
| Pretax return on assets | 1.0505% | 3,386 |
| Return on Equity (ROE) | 5.8733% | 4,087 |
| Retained earnings to average equity (ytd only) | 2.9044% | 3,761 |
| Net charge-offs to loans | -0.0052% | 4,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5484% | 1,692 |
| Assets per employee ($millions) | 4.4188% | 3,261 |
| Cash dividends to net income (ytd only)* | 50.5495% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 1,338 |
| Loan loss allowance to noncurrent loans | 443.6090% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3650% | 3,071 |
| Noncurrent loans to loans | 0.3331% | 3,344 |
| Net loans and leases to total assets | 77.4146% | 1,325 |
| Net loans and leases to deposits | 88.7022% | 1,906 |
| Net loans and leases to core deposits | 91.2410% | 2,484 |
| Total domestic deposits to total assets | 87.2747% | 1,452 |
| Equity capital to assets | 12.3573% | 1,933 |
| Core capital (leverage) ratio | 12.3585% | 1,606 |
| Tier 1 risk-based capital ratio | 15.0849% | 2,798 |
| Total risk-based capital ratio | 16.3366% | 2,720 |
| Memoranda: | ||
| Average total assets | $101,476,000 | 4,041 |
| Average earning assets | $93,444,670 | 4,046 |
| Average equity | $12,395,000 | 3,994 |
| Average total loans | $77,533,000 | 3,706 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3598% | 3,377 |
| Cost of funding earning assets | 0.7323% | 2,875 |
| Net interest margin | 3.6275% | 3,147 |
| Noninterest income to average assets | 0.5562% | 2,252 |
| Noninterest expense to average assets | 2.9113% | 2,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7298% | 3,849 |
| Return on assets (ROA) | 0.7298% | 3,895 |
| Pretax return on assets | 0.9862% | 3,490 |
| Return on Equity (ROE) | 6.0099% | 4,013 |
| Retained earnings to average equity (ytd only) | 2.3065% | 3,978 |
| Net charge-offs to loans | -0.0157% | 4,394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6964% | 1,653 |
| Assets per employee ($millions) | 4.4809% | 3,222 |
| Cash dividends to net income (ytd only)* | 61.6216% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 1,193 |
| Loan loss allowance to noncurrent loans | 431.0219% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3677% | 3,128 |
| Noncurrent loans to loans | 0.3587% | 3,294 |
| Net loans and leases to total assets | 72.9798% | 1,987 |
| Net loans and leases to deposits | 83.2122% | 2,478 |
| Net loans and leases to core deposits | 85.2910% | 2,931 |
| Total domestic deposits to total assets | 87.7033% | 1,476 |
| Equity capital to assets | 12.0173% | 2,011 |
| Core capital (leverage) ratio | 12.3372% | 1,586 |
| Tier 1 risk-based capital ratio | 15.5103% | 2,646 |
| Total risk-based capital ratio | 16.7625% | 2,564 |
| Memoranda: | ||
| Average total assets | $101,398,000 | 4,086 |
| Average earning assets | $93,398,500 | 4,088 |
| Average equity | $12,313,000 | 4,022 |
| Average total loans | $76,370,500 | 3,761 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 3,667 |
| Cost of funding earning assets | 0.5528% | 3,029 |
| Net interest margin | 3.5715% | 3,479 |
| Noninterest income to average assets | 0.6134% | 2,226 |
| Noninterest expense to average assets | 2.8309% | 2,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7917% | 3,834 |
| Return on assets (ROA) | 0.7917% | 3,835 |
| Pretax return on assets | 1.0553% | 3,425 |
| Return on Equity (ROE) | 6.7595% | 3,906 |
| Retained earnings to average equity (ytd only) | 3.6223% | 3,588 |
| Net charge-offs to loans | -0.0431% | 4,929 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8442% | 1,788 |
| Assets per employee ($millions) | 4.3363% | 3,403 |
| Cash dividends to net income (ytd only)* | 46.4109% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 1,169 |
| Loan loss allowance to noncurrent loans | 400.6803% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 2,955 |
| Noncurrent loans to loans | 0.3851% | 3,159 |
| Net loans and leases to total assets | 75.3680% | 1,718 |
| Net loans and leases to deposits | 86.1694% | 2,249 |
| Net loans and leases to core deposits | 88.9627% | 2,657 |
| Total domestic deposits to total assets | 87.4649% | 1,557 |
| Equity capital to assets | 12.2734% | 1,714 |
| Core capital (leverage) ratio | 12.3542% | 1,535 |
| Tier 1 risk-based capital ratio | 15.5252% | 2,605 |
| Total risk-based capital ratio | 16.7782% | 2,531 |
| Memoranda: | ||
| Average total assets | $102,053,600 | 4,063 |
| Average earning assets | $93,517,000 | 4,074 |
| Average equity | $11,953,600 | 4,036 |
| Average total loans | $74,185,800 | 3,787 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0299% | 3,845 |
| Cost of funding earning assets | 0.5252% | 3,027 |
| Net interest margin | 3.5047% | 3,684 |
| Noninterest income to average assets | 0.6054% | 2,277 |
| Noninterest expense to average assets | 2.8151% | 2,587 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7561% | 4,057 |
| Return on assets (ROA) | 0.7561% | 4,067 |
| Pretax return on assets | 0.9977% | 3,724 |
| Return on Equity (ROE) | 6.5309% | 4,099 |
| Retained earnings to average equity (ytd only) | 2.9961% | 4,237 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8330% | 1,620 |
| Assets per employee ($millions) | 4.4563% | 3,187 |
| Cash dividends to net income (ytd only)* | 54.1238% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 1,213 |
| Loan loss allowance to noncurrent loans | 399.3031% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 3,157 |
| Noncurrent loans to loans | 0.3864% | 3,267 |
| Net loans and leases to total assets | 71.3437% | 2,437 |
| Net loans and leases to deposits | 80.9268% | 2,934 |
| Net loans and leases to core deposits | 83.4690% | 3,199 |
| Total domestic deposits to total assets | 88.1583% | 1,173 |
| Equity capital to assets | 11.7256% | 2,085 |
| Core capital (leverage) ratio | 12.0843% | 1,734 |
| Tier 1 risk-based capital ratio | 15.5451% | 2,631 |
| Total risk-based capital ratio | 16.7981% | 2,562 |
| Memoranda: | ||
| Average total assets | $102,633,000 | 4,098 |
| Average earning assets | $93,929,000 | 4,108 |
| Average equity | $11,881,750 | 4,083 |
| Average total loans | $73,645,500 | 3,836 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 3,898 |
| Cost of funding earning assets | 0.5043% | 2,977 |
| Net interest margin | 3.4562% | 3,781 |
| Noninterest income to average assets | 0.5766% | 2,445 |
| Noninterest expense to average assets | 2.8146% | 2,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7265% | 4,114 |
| Return on assets (ROA) | 0.7265% | 4,118 |
| Pretax return on assets | 0.9388% | 3,847 |
| Return on Equity (ROE) | 6.3026% | 4,138 |
| Retained earnings to average equity (ytd only) | 1.9939% | 4,462 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9870% | 1,562 |
| Assets per employee ($millions) | 4.4716% | 3,167 |
| Cash dividends to net income (ytd only)* | 68.3646% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 1,209 |
| Loan loss allowance to noncurrent loans | 378.2178% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 3,154 |
| Noncurrent loans to loans | 0.4129% | 3,217 |
| Net loans and leases to total assets | 70.2341% | 2,545 |
| Net loans and leases to deposits | 79.5185% | 2,997 |
| Net loans and leases to core deposits | 81.7106% | 3,268 |
| Total domestic deposits to total assets | 88.3243% | 1,209 |
| Equity capital to assets | 11.5600% | 2,158 |
| Core capital (leverage) ratio | 11.6238% | 1,966 |
| Tier 1 risk-based capital ratio | 15.5592% | 2,612 |
| Total risk-based capital ratio | 16.8134% | 2,547 |
| Memoranda: | ||
| Average total assets | $102,679,330 | 4,136 |
| Average earning assets | $94,382,000 | 4,139 |
| Average equity | $11,836,330 | 4,111 |
| Average total loans | $73,437,670 | 3,861 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8986% | 3,927 |
| Cost of funding earning assets | 0.4445% | 3,250 |
| Net interest margin | 3.4542% | 3,693 |
| Noninterest income to average assets | 0.5770% | 2,382 |
| Noninterest expense to average assets | 2.8227% | 2,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7408% | 3,940 |
| Return on assets (ROA) | 0.7408% | 3,940 |
| Pretax return on assets | 0.9357% | 3,743 |
| Return on Equity (ROE) | 6.4352% | 4,011 |
| Retained earnings to average equity (ytd only) | 0.6774% | 4,696 |
| Net charge-offs to loans | -0.0218% | 4,603 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1037% | 1,734 |
| Assets per employee ($millions) | 4.3781% | 3,357 |
| Cash dividends to net income (ytd only)* | 89.4737% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 1,165 |
| Loan loss allowance to noncurrent loans | 402.0979% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.3721% | 3,337 |
| Noncurrent loans to loans | 0.3972% | 3,364 |
| Net loans and leases to total assets | 67.4271% | 2,832 |
| Net loans and leases to deposits | 76.0991% | 3,203 |
| Net loans and leases to core deposits | 77.8612% | 3,503 |
| Total domestic deposits to total assets | 88.6043% | 1,308 |
| Equity capital to assets | 11.2396% | 2,360 |
| Core capital (leverage) ratio | 11.7314% | 1,827 |
| Tier 1 risk-based capital ratio | 15.5524% | 2,645 |
| Total risk-based capital ratio | 16.8059% | 2,587 |
| Memoranda: | ||
| Average total assets | $102,596,000 | 4,181 |
| Average earning assets | $94,495,000 | 4,181 |
| Average equity | $11,810,000 | 4,152 |
| Average total loans | $73,467,000 | 3,893 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8311% | 3,945 |
| Cost of funding earning assets | 0.4206% | 3,049 |
| Net interest margin | 3.4105% | 3,817 |
| Noninterest income to average assets | 0.6298% | 2,307 |
| Noninterest expense to average assets | 2.7105% | 3,092 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7084% | 3,566 |
| Return on assets (ROA) | 0.7084% | 3,620 |
| Pretax return on assets | 1.0370% | 3,426 |
| Return on Equity (ROE) | 6.4058% | 3,576 |
| Retained earnings to average equity (ytd only) | 2.7661% | 3,655 |
| Net charge-offs to loans | -0.0389% | 5,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3275% | 2,172 |
| Assets per employee ($millions) | 4.0047% | 3,948 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 1,312 |
| Loan loss allowance to noncurrent loans | 160.9551% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.8160% | 1,917 |
| Noncurrent loans to loans | 0.9502% | 1,870 |
| Net loans and leases to total assets | 73.7028% | 1,972 |
| Net loans and leases to deposits | 83.6705% | 2,529 |
| Net loans and leases to core deposits | 85.4020% | 2,951 |
| Total domestic deposits to total assets | 88.0869% | 1,453 |
| Equity capital to assets | 11.7962% | 1,981 |
| Core capital (leverage) ratio | 11.5539% | 1,906 |
| Tier 1 risk-based capital ratio | 15.0199% | 2,847 |
| Total risk-based capital ratio | 16.2739% | 2,770 |
| Memoranda: | ||
| Average total assets | $105,589,600 | 4,146 |
| Average earning assets | $96,526,000 | 4,153 |
| Average equity | $11,677,000 | 4,191 |
| Average total loans | $74,594,600 | 3,857 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 4,131 |
| Cost of funding earning assets | 0.4139% | 3,048 |
| Net interest margin | 3.3497% | 4,016 |
| Noninterest income to average assets | 0.6270% | 2,327 |
| Noninterest expense to average assets | 2.6315% | 3,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7467% | 3,754 |
| Return on assets (ROA) | 0.7467% | 3,815 |
| Pretax return on assets | 1.0521% | 3,482 |
| Return on Equity (ROE) | 6.8590% | 3,744 |
| Retained earnings to average equity (ytd only) | 2.9657% | 4,148 |
| Net charge-offs to loans | -0.0662% | 5,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4382% | 2,296 |
| Assets per employee ($millions) | 4.3684% | 3,358 |
| Cash dividends to net income (ytd only)* | 56.7608% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 1,525 |
| Loan loss allowance to noncurrent loans | 407.7739% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3701% | 3,549 |
| Noncurrent loans to loans | 0.3684% | 3,633 |
| Net loans and leases to total assets | 72.1760% | 2,230 |
| Net loans and leases to deposits | 81.4690% | 2,833 |
| Net loans and leases to core deposits | 83.0617% | 3,208 |
| Total domestic deposits to total assets | 88.5932% | 1,074 |
| Equity capital to assets | 11.2962% | 2,576 |
| Core capital (leverage) ratio | 11.5680% | 1,973 |
| Tier 1 risk-based capital ratio | 14.7658% | 3,029 |
| Total risk-based capital ratio | 16.0177% | 2,961 |
| Memoranda: | ||
| Average total assets | $106,957,750 | 4,158 |
| Average earning assets | $97,599,000 | 4,174 |
| Average equity | $11,643,750 | 4,236 |
| Average total loans | $74,509,500 | 3,888 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6771% | 4,291 |
| Cost of funding earning assets | 0.3848% | 3,237 |
| Net interest margin | 3.2923% | 4,134 |
| Noninterest income to average assets | 0.5870% | 2,523 |
| Noninterest expense to average assets | 2.5840% | 3,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7022% | 3,840 |
| Return on assets (ROA) | 0.7022% | 3,903 |
| Pretax return on assets | 1.0068% | 3,545 |
| Return on Equity (ROE) | 6.5300% | 3,811 |
| Retained earnings to average equity (ytd only) | 2.1248% | 4,407 |
| Net charge-offs to loans | -0.0841% | 5,360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9607% | 2,342 |
| Assets per employee ($millions) | 4.1797% | 3,660 |
| Cash dividends to net income (ytd only)* | 67.4603% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 1,454 |
| Loan loss allowance to noncurrent loans | 340.6528% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 3,442 |
| Noncurrent loans to loans | 0.4506% | 3,399 |
| Net loans and leases to total assets | 70.4736% | 2,449 |
| Net loans and leases to deposits | 79.5403% | 2,963 |
| Net loans and leases to core deposits | 81.0942% | 3,338 |
| Total domestic deposits to total assets | 88.6012% | 1,158 |
| Equity capital to assets | 11.1988% | 2,592 |
| Core capital (leverage) ratio | 11.1184% | 2,300 |
| Tier 1 risk-based capital ratio | 14.9199% | 2,963 |
| Total risk-based capital ratio | 16.1728% | 2,894 |
| Memoranda: | ||
| Average total assets | $107,663,330 | 4,172 |
| Average earning assets | $98,228,670 | 4,197 |
| Average equity | $11,577,330 | 4,261 |
| Average total loans | $73,738,000 | 3,930 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6148% | 4,378 |
| Cost of funding earning assets | 0.4106% | 2,896 |
| Net interest margin | 3.2043% | 4,331 |
| Noninterest income to average assets | 0.5492% | 2,668 |
| Noninterest expense to average assets | 2.4751% | 3,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6444% | 3,958 |
| Return on assets (ROA) | 0.6444% | 3,992 |
| Pretax return on assets | 0.9886% | 3,414 |
| Return on Equity (ROE) | 6.1138% | 3,855 |
| Retained earnings to average equity (ytd only) | 0.2084% | 4,867 |
| Net charge-offs to loans | -0.0437% | 5,122 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4588% | 2,670 |
| Assets per employee ($millions) | 4.4502% | 3,254 |
| Cash dividends to net income (ytd only)* | 96.5909% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5375% | 1,549 |
| Loan loss allowance to noncurrent loans | 361.7363% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 3,463 |
| Noncurrent loans to loans | 0.4250% | 3,570 |
| Net loans and leases to total assets | 64.7572% | 3,158 |
| Net loans and leases to deposits | 72.3249% | 3,581 |
| Net loans and leases to core deposits | 73.6318% | 3,869 |
| Total domestic deposits to total assets | 89.5366% | 879 |
| Equity capital to assets | 10.3861% | 3,311 |
| Core capital (leverage) ratio | 10.6362% | 2,758 |
| Tier 1 risk-based capital ratio | 14.7609% | 3,092 |
| Total risk-based capital ratio | 16.0129% | 3,009 |
| Memoranda: | ||
| Average total assets | $109,248,500 | 4,184 |
| Average earning assets | $99,368,000 | 4,209 |
| Average equity | $11,515,000 | 4,304 |
| Average total loans | $73,213,000 | 3,970 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7210% | 4,153 |
| Cost of funding earning assets | 0.4166% | 2,844 |
| Net interest margin | 3.3044% | 4,135 |
| Noninterest income to average assets | 0.5706% | 2,814 |
| Noninterest expense to average assets | 2.5996% | 3,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6993% | 3,788 |
| Return on assets (ROA) | 0.6993% | 3,893 |
| Pretax return on assets | 0.9741% | 3,566 |
| Return on Equity (ROE) | 6.5128% | 3,733 |
| Retained earnings to average equity (ytd only) | 1.3351% | 4,743 |
| Net charge-offs to loans | 0.0040% | 4,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 353.3333% | 230 |
| Efficiency ratio | 72.7436% | 2,472 |
| Assets per employee ($millions) | 4.2897% | 3,449 |
| Cash dividends to net income (ytd only)* | 79.5007% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5248% | 1,582 |
| Loan loss allowance to noncurrent loans | 421.5094% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4056% | 3,650 |
| Noncurrent loans to loans | 0.3617% | 3,833 |
| Net loans and leases to total assets | 67.2669% | 2,890 |
| Net loans and leases to deposits | 75.3890% | 3,381 |
| Net loans and leases to core deposits | 76.8033% | 3,680 |
| Total domestic deposits to total assets | 89.2263% | 996 |
| Equity capital to assets | 10.7000% | 2,923 |
| Core capital (leverage) ratio | 10.8621% | 2,478 |
| Tier 1 risk-based capital ratio | 15.0340% | 2,948 |
| Total risk-based capital ratio | 16.2853% | 2,884 |
| Memoranda: | ||
| Average total assets | $108,823,400 | 4,194 |
| Average earning assets | $98,899,400 | 4,228 |
| Average equity | $11,684,600 | 4,299 |
| Average total loans | $74,701,800 | 3,930 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6997% | 4,250 |
| Cost of funding earning assets | 0.4157% | 2,880 |
| Net interest margin | 3.2840% | 4,237 |
| Noninterest income to average assets | 0.5689% | 2,823 |
| Noninterest expense to average assets | 2.5258% | 3,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7141% | 3,770 |
| Return on assets (ROA) | 0.7141% | 3,911 |
| Pretax return on assets | 1.0328% | 3,503 |
| Return on Equity (ROE) | 6.6455% | 3,754 |
| Retained earnings to average equity (ytd only) | 4.7143% | 3,003 |
| Net charge-offs to loans | 0.0693% | 2,329 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 21.6917% | 1,810 |
| Efficiency ratio | 70.9777% | 2,746 |
| Assets per employee ($millions) | 4.2943% | 3,425 |
| Cash dividends to net income (ytd only)* | 29.0597% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 1,778 |
| Loan loss allowance to noncurrent loans | 46.6350% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 2.3175% | 617 |
| Noncurrent loans to loans | 3.2058% | 447 |
| Net loans and leases to total assets | 66.3434% | 3,062 |
| Net loans and leases to deposits | 74.7549% | 3,525 |
| Net loans and leases to core deposits | 76.1586% | 3,815 |
| Total domestic deposits to total assets | 88.7479% | 1,027 |
| Equity capital to assets | 11.1189% | 2,895 |
| Core capital (leverage) ratio | 11.0899% | 2,362 |
| Tier 1 risk-based capital ratio | 15.4904% | 2,835 |
| Total risk-based capital ratio | 16.7432% | 2,767 |
| Memoranda: | ||
| Average total assets | $109,218,500 | 4,215 |
| Average earning assets | $99,429,250 | 4,249 |
| Average equity | $11,737,000 | 4,331 |
| Average total loans | $75,063,250 | 3,952 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 4,324 |
| Cost of funding earning assets | 0.4131% | 2,910 |
| Net interest margin | 3.2786% | 4,294 |
| Noninterest income to average assets | 0.5372% | 2,970 |
| Noninterest expense to average assets | 2.4454% | 4,203 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7447% | 3,572 |
| Return on assets (ROA) | 0.7447% | 3,733 |
| Pretax return on assets | 1.0834% | 3,267 |
| Return on Equity (ROE) | 7.0092% | 3,529 |
| Retained earnings to average equity (ytd only) | 5.5525% | 2,393 |
| Net charge-offs to loans | 0.0026% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 595.0000% | 107 |
| Efficiency ratio | 69.2982% | 3,099 |
| Assets per employee ($millions) | 4.1570% | 3,641 |
| Cash dividends to net income (ytd only)* | 20.7824% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 1,815 |
| Loan loss allowance to noncurrent loans | 414.4444% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.4071% | 3,865 |
| Noncurrent loans to loans | 0.3648% | 4,054 |
| Net loans and leases to total assets | 67.4500% | 2,875 |
| Net loans and leases to deposits | 75.9333% | 3,392 |
| Net loans and leases to core deposits | 77.8734% | 3,652 |
| Total domestic deposits to total assets | 88.8280% | 998 |
| Equity capital to assets | 10.9888% | 3,068 |
| Core capital (leverage) ratio | 10.8063% | 2,643 |
| Tier 1 risk-based capital ratio | 15.1968% | 2,988 |
| Total risk-based capital ratio | 16.4500% | 2,920 |
| Memoranda: | ||
| Average total assets | $109,838,670 | 4,230 |
| Average earning assets | $100,225,670 | 4,262 |
| Average equity | $11,670,330 | 4,369 |
| Average total loans | $75,982,330 | 3,950 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7035% | 4,310 |
| Cost of funding earning assets | 0.4217% | 2,845 |
| Net interest margin | 3.2819% | 4,296 |
| Noninterest income to average assets | 0.5130% | 3,026 |
| Noninterest expense to average assets | 2.4567% | 4,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7479% | 3,494 |
| Return on assets (ROA) | 0.7479% | 3,600 |
| Pretax return on assets | 1.0369% | 3,332 |
| Return on Equity (ROE) | 7.1583% | 3,370 |
| Retained earnings to average equity (ytd only) | 7.1583% | 1,814 |
| Net charge-offs to loans | 0.0936% | 1,579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 15.9444% | 1,645 |
| Efficiency ratio | 70.3206% | 3,062 |
| Assets per employee ($millions) | 4.4472% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 1,961 |
| Loan loss allowance to noncurrent loans | 191.6522% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.7097% | 2,938 |
| Noncurrent loans to loans | 0.7852% | 2,874 |
| Net loans and leases to total assets | 64.8738% | 3,126 |
| Net loans and leases to deposits | 72.6615% | 3,580 |
| Net loans and leases to core deposits | 74.4496% | 3,844 |
| Total domestic deposits to total assets | 89.2821% | 961 |
| Equity capital to assets | 10.5020% | 3,495 |
| Core capital (leverage) ratio | 10.5986% | 2,849 |
| Tier 1 risk-based capital ratio | 15.0917% | 3,113 |
| Total risk-based capital ratio | 16.3442% | 3,051 |
| Memoranda: | ||
| Average total assets | $110,716,500 | 4,251 |
| Average earning assets | $100,552,500 | 4,285 |
| Average equity | $11,567,000 | 4,406 |
| Average total loans | $76,963,000 | 3,942 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 3,165 |
| Cost of funding earning assets | 0.4351% | 2,785 |
| Net interest margin | 3.6008% | 3,135 |
| Noninterest income to average assets | 0.4976% | 3,346 |
| Noninterest expense to average assets | 2.6356% | 3,797 |
| Loan and lease loss provision to assets | 0.0551% | 3,210 |
| Net operating income to assets | 0.7775% | 3,435 |
| Return on assets (ROA) | 0.7775% | 3,509 |
| Pretax return on assets | 1.1044% | 3,033 |
| Return on Equity (ROE) | 7.5338% | 3,233 |
| Retained earnings to average equity (ytd only) | 3.1754% | 3,794 |
| Net charge-offs to loans | -0.1261% | 5,843 |
| Credit loss provision to net charge-offs | -58.8235% | 5,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4485% | 3,316 |
| Assets per employee ($millions) | 4.5939% | 2,886 |
| Cash dividends to net income (ytd only)* | 57.8512% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 2,486 |
| Loan loss allowance to noncurrent loans | 379.6610% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 3,907 |
| Noncurrent loans to loans | 0.3656% | 4,139 |
| Net loans and leases to total assets | 72.1770% | 2,021 |
| Net loans and leases to deposits | 80.7825% | 2,732 |
| Net loans and leases to core deposits | 82.7791% | 3,068 |
| Total domestic deposits to total assets | 89.3473% | 937 |
| Equity capital to assets | 10.3924% | 3,499 |
| Core capital (leverage) ratio | 10.4129% | 3,046 |
| Tier 1 risk-based capital ratio | 13.7472% | 3,856 |
| Total risk-based capital ratio | 15.0142% | 3,780 |
| Memoranda: | ||
| Average total assets | $108,932,200 | 4,280 |
| Average earning assets | $99,754,600 | 4,300 |
| Average equity | $11,242,600 | 4,434 |
| Average total loans | $80,868,200 | 3,797 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9893% | 3,384 |
| Cost of funding earning assets | 0.4327% | 2,874 |
| Net interest margin | 3.5565% | 3,315 |
| Noninterest income to average assets | 0.4825% | 3,488 |
| Noninterest expense to average assets | 2.5978% | 3,890 |
| Loan and lease loss provision to assets | 0.0552% | 3,091 |
| Net operating income to assets | 0.7808% | 3,523 |
| Return on assets (ROA) | 0.7808% | 3,608 |
| Pretax return on assets | 1.1086% | 3,182 |
| Return on Equity (ROE) | 7.5789% | 3,300 |
| Retained earnings to average equity (ytd only) | 4.0039% | 3,616 |
| Net charge-offs to loans | -0.1005% | 5,789 |
| Credit loss provision to net charge-offs | -73.7705% | 5,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0601% | 3,363 |
| Assets per employee ($millions) | 3.8310% | 4,207 |
| Cash dividends to net income (ytd only)* | 47.1697% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 3,277 |
| Loan loss allowance to noncurrent loans | 359.4595% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.5428% | 3,673 |
| Noncurrent loans to loans | 0.3521% | 4,351 |
| Net loans and leases to total assets | 74.7088% | 1,606 |
| Net loans and leases to deposits | 85.2673% | 2,242 |
| Net loans and leases to core deposits | 86.9155% | 2,759 |
| Total domestic deposits to total assets | 87.6172% | 1,739 |
| Equity capital to assets | 10.3161% | 3,793 |
| Core capital (leverage) ratio | 10.4346% | 3,126 |
| Tier 1 risk-based capital ratio | 13.1194% | 4,367 |
| Total risk-based capital ratio | 14.3380% | 4,298 |
| Memoranda: | ||
| Average total assets | $108,601,750 | 4,331 |
| Average earning assets | $100,133,000 | 4,329 |
| Average equity | $11,188,750 | 4,497 |
| Average total loans | $80,910,750 | 3,829 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9931% | 3,324 |
| Cost of funding earning assets | 0.4421% | 2,814 |
| Net interest margin | 3.5510% | 3,285 |
| Noninterest income to average assets | 0.4695% | 3,565 |
| Noninterest expense to average assets | 2.6241% | 3,838 |
| Loan and lease loss provision to assets | 0.0557% | 2,994 |
| Net operating income to assets | 0.7850% | 3,465 |
| Return on assets (ROA) | 0.7850% | 3,567 |
| Pretax return on assets | 1.0541% | 3,364 |
| Return on Equity (ROE) | 7.6230% | 3,254 |
| Retained earnings to average equity (ytd only) | 2.2166% | 4,604 |
| Net charge-offs to loans | -0.1327% | 5,885 |
| Credit loss provision to net charge-offs | -56.6038% | 4,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2783% | 3,289 |
| Assets per employee ($millions) | 3.7379% | 4,344 |
| Cash dividends to net income (ytd only)* | 70.9220% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 3,440 |
| Loan loss allowance to noncurrent loans | 212.2200% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.7362% | 3,175 |
| Noncurrent loans to loans | 0.5951% | 3,677 |
| Net loans and leases to total assets | 75.1550% | 1,483 |
| Net loans and leases to deposits | 85.7450% | 2,078 |
| Net loans and leases to core deposits | 86.2634% | 2,740 |
| Total domestic deposits to total assets | 87.6494% | 1,817 |
| Equity capital to assets | 10.3413% | 3,628 |
| Core capital (leverage) ratio | 10.3101% | 3,209 |
| Tier 1 risk-based capital ratio | 12.9048% | 4,573 |
| Total risk-based capital ratio | 14.1098% | 4,509 |
| Memoranda: | ||
| Average total assets | $107,769,670 | 4,389 |
| Average earning assets | $99,072,000 | 4,393 |
| Average equity | $11,098,000 | 4,546 |
| Average total loans | $79,859,670 | 3,888 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 3,566 |
| Cost of funding earning assets | 0.4569% | 2,706 |
| Net interest margin | 3.4514% | 3,622 |
| Noninterest income to average assets | 0.5174% | 3,169 |
| Noninterest expense to average assets | 2.6951% | 3,608 |
| Loan and lease loss provision to assets | 0.0558% | 2,817 |
| Net operating income to assets | 0.8078% | 3,219 |
| Return on assets (ROA) | 0.8078% | 3,340 |
| Pretax return on assets | 0.9157% | 3,829 |
| Return on Equity (ROE) | 7.8609% | 3,030 |
| Retained earnings to average equity (ytd only) | -3.0067% | 5,795 |
| Net charge-offs to loans | -0.0407% | 5,419 |
| Credit loss provision to net charge-offs | -187.5000% | 4,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5025% | 2,901 |
| Assets per employee ($millions) | 3.7513% | 4,416 |
| Cash dividends to net income (ytd only)* | 138.2488% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 3,750 |
| Loan loss allowance to noncurrent loans | 236.9565% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.7409% | 3,269 |
| Noncurrent loans to loans | 0.5227% | 4,007 |
| Net loans and leases to total assets | 71.9102% | 1,817 |
| Net loans and leases to deposits | 80.2151% | 2,538 |
| Net loans and leases to core deposits | 80.6867% | 3,083 |
| Total domestic deposits to total assets | 89.6467% | 925 |
| Equity capital to assets | 10.1428% | 3,958 |
| Core capital (leverage) ratio | 10.2418% | 3,290 |
| Tier 1 risk-based capital ratio | 13.2702% | 4,454 |
| Total risk-based capital ratio | 14.4500% | 4,415 |
| Memoranda: | ||
| Average total assets | $107,454,500 | 4,426 |
| Average earning assets | $98,046,500 | 4,453 |
| Average equity | $11,042,000 | 4,588 |
| Average total loans | $78,534,500 | 3,947 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8055% | 4,472 |
| Cost of funding earning assets | 0.5034% | 2,641 |
| Net interest margin | 3.3021% | 4,552 |
| Noninterest income to average assets | 0.5173% | 3,378 |
| Noninterest expense to average assets | 2.5909% | 4,255 |
| Loan and lease loss provision to assets | 0.0554% | 3,442 |
| Net operating income to assets | 0.6226% | 4,261 |
| Return on assets (ROA) | 0.6244% | 4,362 |
| Pretax return on assets | 0.9274% | 3,790 |
| Return on Equity (ROE) | 6.3191% | 3,993 |
| Retained earnings to average equity (ytd only) | 6.3191% | 1,746 |
| Net charge-offs to loans | 0.0869% | 3,249 |
| Credit loss provision to net charge-offs | 93.7500% | 2,559 |
| Earnings coverage of net charge-offs (x) | 16.5781% | 2,001 |
| Efficiency ratio | 72.5556% | 3,113 |
| Assets per employee ($millions) | 3.6617% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 3,826 |
| Loan loss allowance to noncurrent loans | 358.8015% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 3,549 |
| Noncurrent loans to loans | 0.3429% | 4,626 |
| Net loans and leases to total assets | 72.4197% | 1,844 |
| Net loans and leases to deposits | 81.0286% | 2,600 |
| Net loans and leases to core deposits | 81.5156% | 3,151 |
| Total domestic deposits to total assets | 89.3754% | 1,032 |
| Equity capital to assets | 10.4127% | 3,597 |
| Core capital (leverage) ratio | 10.2359% | 3,264 |
| Tier 1 risk-based capital ratio | 13.7984% | 4,236 |
| Total risk-based capital ratio | 15.0485% | 4,170 |
| Memoranda: | ||
| Average total assets | $108,262,400 | 4,410 |
| Average earning assets | $100,118,200 | 4,388 |
| Average equity | $10,697,800 | 4,618 |
| Average total loans | $73,676,200 | 4,068 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7721% | 4,651 |
| Cost of funding earning assets | 0.5114% | 2,646 |
| Net interest margin | 3.2606% | 4,757 |
| Noninterest income to average assets | 0.5405% | 3,256 |
| Noninterest expense to average assets | 2.5359% | 4,408 |
| Loan and lease loss provision to assets | 0.0552% | 3,267 |
| Net operating income to assets | 0.6374% | 4,276 |
| Return on assets (ROA) | 0.6374% | 4,377 |
| Pretax return on assets | 0.9658% | 3,733 |
| Return on Equity (ROE) | 6.5358% | 3,945 |
| Retained earnings to average equity (ytd only) | 6.5358% | 2,078 |
| Net charge-offs to loans | 0.0330% | 3,823 |
| Credit loss provision to net charge-offs | 250.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 46.2767% | 1,027 |
| Efficiency ratio | 71.2957% | 3,295 |
| Assets per employee ($millions) | 3.7631% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 3,569 |
| Loan loss allowance to noncurrent loans | 441.5179% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 4,166 |
| Noncurrent loans to loans | 0.2980% | 5,011 |
| Net loans and leases to total assets | 67.9795% | 2,534 |
| Net loans and leases to deposits | 75.7456% | 3,206 |
| Net loans and leases to core deposits | 76.4426% | 3,695 |
| Total domestic deposits to total assets | 89.7471% | 850 |
| Equity capital to assets | 9.9954% | 4,172 |
| Core capital (leverage) ratio | 10.1453% | 3,477 |
| Tier 1 risk-based capital ratio | 14.0396% | 4,184 |
| Total risk-based capital ratio | 15.2899% | 4,126 |
| Memoranda: | ||
| Average total assets | $108,781,000 | 4,447 |
| Average earning assets | $100,632,000 | 4,419 |
| Average equity | $10,608,000 | 4,671 |
| Average total loans | $72,630,500 | 4,134 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7715% | 4,617 |
| Cost of funding earning assets | 0.5203% | 2,636 |
| Net interest margin | 3.2512% | 4,776 |
| Noninterest income to average assets | 0.5227% | 3,315 |
| Noninterest expense to average assets | 2.5215% | 4,505 |
| Loan and lease loss provision to assets | 0.0552% | 3,191 |
| Net operating income to assets | 0.6313% | 4,198 |
| Return on assets (ROA) | 0.6313% | 4,298 |
| Pretax return on assets | 0.9479% | 3,688 |
| Return on Equity (ROE) | 6.5284% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.5284% | 2,017 |
| Net charge-offs to loans | 0.0195% | 3,825 |
| Credit loss provision to net charge-offs | 428.5714% | 652 |
| Earnings coverage of net charge-offs (x) | 77.8571% | 678 |
| Efficiency ratio | 71.5405% | 3,426 |
| Assets per employee ($millions) | 3.7340% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 3,646 |
| Loan loss allowance to noncurrent loans | 292.2849% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 4,206 |
| Noncurrent loans to loans | 0.4584% | 4,619 |
| Net loans and leases to total assets | 66.9819% | 2,584 |
| Net loans and leases to deposits | 74.4705% | 3,270 |
| Net loans and leases to core deposits | 75.1565% | 3,718 |
| Total domestic deposits to total assets | 89.9442% | 842 |
| Equity capital to assets | 9.9145% | 4,226 |
| Core capital (leverage) ratio | 9.9903% | 3,625 |
| Tier 1 risk-based capital ratio | 14.1453% | 4,152 |
| Total risk-based capital ratio | 15.3967% | 4,095 |
| Memoranda: | ||
| Average total assets | $108,664,670 | 4,474 |
| Average earning assets | $100,330,670 | 4,463 |
| Average equity | $10,508,000 | 4,700 |
| Average total loans | $71,782,330 | 4,170 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7118% | 4,806 |
| Cost of funding earning assets | 0.5297% | 2,610 |
| Net interest margin | 3.1821% | 4,982 |
| Noninterest income to average assets | 0.4961% | 3,440 |
| Noninterest expense to average assets | 2.5465% | 4,465 |
| Loan and lease loss provision to assets | 0.0551% | 3,013 |
| Net operating income to assets | 0.5585% | 4,418 |
| Return on assets (ROA) | 0.5585% | 4,497 |
| Pretax return on assets | 0.8305% | 3,974 |
| Return on Equity (ROE) | 5.8495% | 4,102 |
| Retained earnings to average equity (ytd only) | 5.8495% | 2,621 |
| Net charge-offs to loans | 0.3102% | 1,138 |
| Credit loss provision to net charge-offs | 27.2727% | 2,422 |
| Earnings coverage of net charge-offs (x) | 4.3818% | 2,537 |
| Efficiency ratio | 74.1970% | 3,093 |
| Assets per employee ($millions) | 3.6565% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 4,117 |
| Loan loss allowance to noncurrent loans | 532.9480% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.4950% | 4,658 |
| Noncurrent loans to loans | 0.2441% | 5,376 |
| Net loans and leases to total assets | 63.7750% | 2,936 |
| Net loans and leases to deposits | 70.6939% | 3,514 |
| Net loans and leases to core deposits | 71.3333% | 3,947 |
| Total domestic deposits to total assets | 90.2129% | 960 |
| Equity capital to assets | 9.5720% | 4,401 |
| Core capital (leverage) ratio | 9.7322% | 3,951 |
| Tier 1 risk-based capital ratio | 14.2824% | 4,141 |
| Total risk-based capital ratio | 15.5243% | 4,097 |
| Memoranda: | ||
| Average total assets | $108,854,000 | 4,511 |
| Average earning assets | $100,437,000 | 4,497 |
| Average equity | $10,394,000 | 4,749 |
| Average total loans | $70,915,000 | 4,238 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8895% | 4,499 |
| Cost of funding earning assets | 0.6162% | 2,517 |
| Net interest margin | 3.2733% | 4,761 |
| Noninterest income to average assets | 0.5340% | 3,530 |
| Noninterest expense to average assets | 2.5657% | 4,571 |
| Loan and lease loss provision to assets | 0.1621% | 2,255 |
| Net operating income to assets | 0.5574% | 4,470 |
| Return on assets (ROA) | 0.5574% | 4,597 |
| Pretax return on assets | 0.8294% | 4,033 |
| Return on Equity (ROE) | 6.1525% | 3,997 |
| Retained earnings to average equity (ytd only) | 6.1525% | 1,883 |
| Net charge-offs to loans | 0.1502% | 3,301 |
| Credit loss provision to net charge-offs | 171.4286% | 1,332 |
| Earnings coverage of net charge-offs (x) | 10.4857% | 2,357 |
| Efficiency ratio | 72.1266% | 3,452 |
| Assets per employee ($millions) | 3.6004% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 3,870 |
| Loan loss allowance to noncurrent loans | 414.2241% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.6138% | 4,399 |
| Noncurrent loans to loans | 0.3270% | 5,201 |
| Net loans and leases to total assets | 64.7968% | 2,907 |
| Net loans and leases to deposits | 71.7468% | 3,558 |
| Net loans and leases to core deposits | 71.9711% | 4,071 |
| Total domestic deposits to total assets | 90.3132% | 911 |
| Equity capital to assets | 9.5248% | 4,393 |
| Core capital (leverage) ratio | 9.5531% | 4,188 |
| Tier 1 risk-based capital ratio | 14.1926% | 4,159 |
| Total risk-based capital ratio | 15.4473% | 4,101 |
| Memoranda: | ||
| Average total assets | $111,043,400 | 4,475 |
| Average earning assets | $102,557,400 | 4,450 |
| Average equity | $10,061,000 | 4,831 |
| Average total loans | $69,908,600 | 4,269 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8965% | 4,512 |
| Cost of funding earning assets | 0.6303% | 2,548 |
| Net interest margin | 3.2663% | 4,764 |
| Noninterest income to average assets | 0.5569% | 3,413 |
| Noninterest expense to average assets | 2.5270% | 4,633 |
| Loan and lease loss provision to assets | 0.1968% | 1,853 |
| Net operating income to assets | 0.5653% | 4,501 |
| Return on assets (ROA) | 0.5653% | 4,654 |
| Pretax return on assets | 0.8491% | 4,096 |
| Return on Equity (ROE) | 6.3171% | 4,020 |
| Retained earnings to average equity (ytd only) | 6.3171% | 2,225 |
| Net charge-offs to loans | 0.2201% | 2,496 |
| Credit loss provision to net charge-offs | 143.4783% | 1,639 |
| Earnings coverage of net charge-offs (x) | 7.6260% | 2,767 |
| Efficiency ratio | 70.7276% | 3,641 |
| Assets per employee ($millions) | 3.7232% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 4,255 |
| Loan loss allowance to noncurrent loans | 294.6541% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.6213% | 4,575 |
| Noncurrent loans to loans | 0.4506% | 5,070 |
| Net loans and leases to total assets | 62.3439% | 3,300 |
| Net loans and leases to deposits | 68.7400% | 3,967 |
| Net loans and leases to core deposits | 69.5745% | 4,366 |
| Total domestic deposits to total assets | 90.6952% | 658 |
| Equity capital to assets | 9.0810% | 5,081 |
| Core capital (leverage) ratio | 9.2140% | 4,816 |
| Tier 1 risk-based capital ratio | 13.8725% | 4,521 |
| Total risk-based capital ratio | 15.1337% | 4,469 |
| Memoranda: | ||
| Average total assets | $111,801,000 | 4,509 |
| Average earning assets | $103,234,250 | 4,466 |
| Average equity | $10,004,250 | 4,903 |
| Average total loans | $69,648,250 | 4,312 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8993% | 4,478 |
| Cost of funding earning assets | 0.6389% | 2,601 |
| Net interest margin | 3.2604% | 4,730 |
| Noninterest income to average assets | 0.5615% | 3,429 |
| Noninterest expense to average assets | 2.5591% | 4,524 |
| Loan and lease loss provision to assets | 0.2682% | 1,381 |
| Net operating income to assets | 0.4936% | 4,827 |
| Return on assets (ROA) | 0.4936% | 5,004 |
| Pretax return on assets | 0.7368% | 4,553 |
| Return on Equity (ROE) | 5.5433% | 4,431 |
| Retained earnings to average equity (ytd only) | 5.5433% | 2,710 |
| Net charge-offs to loans | 0.1183% | 3,184 |
| Credit loss provision to net charge-offs | 365.8537% | 710 |
| Earnings coverage of net charge-offs (x) | 13.7073% | 1,879 |
| Efficiency ratio | 71.8013% | 3,509 |
| Assets per employee ($millions) | 3.7696% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 3,953 |
| Loan loss allowance to noncurrent loans | 184.1035% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.6517% | 4,598 |
| Noncurrent loans to loans | 0.7703% | 4,379 |
| Net loans and leases to total assets | 61.2235% | 3,443 |
| Net loans and leases to deposits | 67.2713% | 4,104 |
| Net loans and leases to core deposits | 68.2407% | 4,470 |
| Total domestic deposits to total assets | 91.0097% | 535 |
| Equity capital to assets | 8.7347% | 5,507 |
| Core capital (leverage) ratio | 9.0490% | 4,909 |
| Tier 1 risk-based capital ratio | 13.6815% | 4,654 |
| Total risk-based capital ratio | 14.9321% | 4,614 |
| Memoranda: | ||
| Average total assets | $111,836,330 | 4,541 |
| Average earning assets | $102,992,670 | 4,495 |
| Average equity | $9,958,000 | 4,953 |
| Average total loans | $69,340,330 | 4,332 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9101% | 4,433 |
| Cost of funding earning assets | 0.6569% | 2,594 |
| Net interest margin | 3.2532% | 4,722 |
| Noninterest income to average assets | 0.6654% | 2,784 |
| Noninterest expense to average assets | 2.5321% | 4,648 |
| Loan and lease loss provision to assets | 0.2698% | 1,313 |
| Net operating income to assets | 0.6043% | 4,191 |
| Return on assets (ROA) | 0.6043% | 4,349 |
| Pretax return on assets | 0.8560% | 3,932 |
| Return on Equity (ROE) | 6.7213% | 3,641 |
| Retained earnings to average equity (ytd only) | 6.7213% | 2,299 |
| Net charge-offs to loans | 0.1393% | 2,573 |
| Credit loss provision to net charge-offs | 312.5000% | 771 |
| Earnings coverage of net charge-offs (x) | 13.0417% | 1,554 |
| Efficiency ratio | 69.2232% | 4,108 |
| Assets per employee ($millions) | 3.6251% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 4,345 |
| Loan loss allowance to noncurrent loans | 187.6000% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.6861% | 4,661 |
| Noncurrent loans to loans | 0.7341% | 4,662 |
| Net loans and leases to total assets | 59.7720% | 3,472 |
| Net loans and leases to deposits | 65.8839% | 4,067 |
| Net loans and leases to core deposits | 66.8405% | 4,429 |
| Total domestic deposits to total assets | 90.7232% | 660 |
| Equity capital to assets | 8.9591% | 5,542 |
| Core capital (leverage) ratio | 9.0457% | 4,814 |
| Tier 1 risk-based capital ratio | 13.7393% | 4,697 |
| Total risk-based capital ratio | 14.9895% | 4,659 |
| Memoranda: | ||
| Average total assets | $111,210,000 | 4,594 |
| Average earning assets | $102,299,500 | 4,559 |
| Average equity | $9,998,000 | 4,986 |
| Average total loans | $68,894,000 | 4,380 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6096% | 2,960 |
| Cost of funding earning assets | 0.8210% | 2,503 |
| Net interest margin | 3.7886% | 3,276 |
| Noninterest income to average assets | 0.5377% | 3,661 |
| Noninterest expense to average assets | 2.8157% | 3,965 |
| Loan and lease loss provision to assets | 0.2791% | 2,420 |
| Net operating income to assets | 0.6595% | 3,938 |
| Return on assets (ROA) | 0.6595% | 4,206 |
| Pretax return on assets | 0.8856% | 3,972 |
| Return on Equity (ROE) | 7.4210% | 3,392 |
| Retained earnings to average equity (ytd only) | 7.4210% | 1,366 |
| Net charge-offs to loans | 0.1623% | 4,079 |
| Credit loss provision to net charge-offs | 267.8571% | 902 |
| Earnings coverage of net charge-offs (x) | 11.1786% | 2,062 |
| Efficiency ratio | 70.7408% | 3,667 |
| Assets per employee ($millions) | 3.5498% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 4,764 |
| Loan loss allowance to noncurrent loans | 180.6517% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.8006% | 4,468 |
| Noncurrent loans to loans | 0.7046% | 4,780 |
| Net loans and leases to total assets | 62.5147% | 3,165 |
| Net loans and leases to deposits | 68.9958% | 3,836 |
| Net loans and leases to core deposits | 70.0640% | 4,298 |
| Total domestic deposits to total assets | 90.6064% | 658 |
| Equity capital to assets | 9.0219% | 5,502 |
| Core capital (leverage) ratio | 9.1957% | 4,589 |
| Tier 1 risk-based capital ratio | 13.3533% | 4,851 |
| Total risk-based capital ratio | 14.5579% | 4,836 |
| Memoranda: | ||
| Average total assets | $107,502,800 | 4,650 |
| Average earning assets | $97,686,600 | 4,649 |
| Average equity | $9,554,000 | 5,089 |
| Average total loans | $69,016,200 | 4,389 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7243% | 2,692 |
| Cost of funding earning assets | 0.8676% | 2,405 |
| Net interest margin | 3.8567% | 3,094 |
| Noninterest income to average assets | 0.5402% | 3,671 |
| Noninterest expense to average assets | 2.7859% | 4,032 |
| Loan and lease loss provision to assets | 0.2807% | 2,322 |
| Net operating income to assets | 0.6899% | 3,953 |
| Return on assets (ROA) | 0.6899% | 4,211 |
| Pretax return on assets | 0.9731% | 3,810 |
| Return on Equity (ROE) | 7.7936% | 3,370 |
| Retained earnings to average equity (ytd only) | 7.7936% | 1,705 |
| Net charge-offs to loans | 0.1801% | 3,676 |
| Credit loss provision to net charge-offs | 241.9355% | 1,146 |
| Earnings coverage of net charge-offs (x) | 10.8062% | 2,145 |
| Efficiency ratio | 68.9623% | 3,885 |
| Assets per employee ($millions) | 3.3878% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 5,315 |
| Loan loss allowance to noncurrent loans | 546.7105% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 5,042 |
| Noncurrent loans to loans | 0.2182% | 6,065 |
| Net loans and leases to total assets | 65.5310% | 2,732 |
| Net loans and leases to deposits | 72.6937% | 3,499 |
| Net loans and leases to core deposits | 73.6261% | 4,022 |
| Total domestic deposits to total assets | 90.1468% | 768 |
| Equity capital to assets | 9.3285% | 5,434 |
| Core capital (leverage) ratio | 9.1849% | 4,787 |
| Tier 1 risk-based capital ratio | 13.3024% | 5,022 |
| Total risk-based capital ratio | 14.4448% | 5,065 |
| Memoranda: | ||
| Average total assets | $106,867,750 | 4,710 |
| Average earning assets | $96,971,750 | 4,713 |
| Average equity | $9,460,500 | 5,164 |
| Average total loans | $68,850,250 | 4,436 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7008% | 2,909 |
| Cost of funding earning assets | 0.9078% | 2,335 |
| Net interest margin | 3.7930% | 3,391 |
| Noninterest income to average assets | 0.5303% | 3,725 |
| Noninterest expense to average assets | 2.8414% | 3,862 |
| Loan and lease loss provision to assets | 0.2791% | 2,353 |
| Net operating income to assets | 0.6420% | 4,151 |
| Return on assets (ROA) | 0.6420% | 4,405 |
| Pretax return on assets | 0.8541% | 4,263 |
| Return on Equity (ROE) | 7.3810% | 3,574 |
| Retained earnings to average equity (ytd only) | 7.3810% | 1,924 |
| Net charge-offs to loans | 0.1137% | 4,035 |
| Credit loss provision to net charge-offs | 384.6154% | 771 |
| Earnings coverage of net charge-offs (x) | 15.6154% | 1,640 |
| Efficiency ratio | 71.4888% | 3,522 |
| Assets per employee ($millions) | 3.4448% | 5,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 5,465 |
| Loan loss allowance to noncurrent loans | 256.3291% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 5,384 |
| Noncurrent loans to loans | 0.4581% | 5,617 |
| Net loans and leases to total assets | 63.8390% | 3,071 |
| Net loans and leases to deposits | 70.4536% | 3,829 |
| Net loans and leases to core deposits | 71.8238% | 4,316 |
| Total domestic deposits to total assets | 90.6114% | 608 |
| Equity capital to assets | 8.9625% | 5,741 |
| Core capital (leverage) ratio | 8.8704% | 5,090 |
| Tier 1 risk-based capital ratio | 13.0904% | 5,121 |
| Total risk-based capital ratio | 14.2103% | 5,185 |
| Memoranda: | ||
| Average total assets | $107,483,000 | 4,729 |
| Average earning assets | $97,599,670 | 4,719 |
| Average equity | $9,348,330 | 5,196 |
| Average total loans | $68,582,670 | 4,464 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 3,036 |
| Cost of funding earning assets | 0.9556% | 2,263 |
| Net interest margin | 3.7490% | 3,601 |
| Noninterest income to average assets | 0.4934% | 3,955 |
| Noninterest expense to average assets | 2.9342% | 3,495 |
| Loan and lease loss provision to assets | 0.2782% | 2,235 |
| Net operating income to assets | 0.6232% | 4,244 |
| Return on assets (ROA) | 0.6232% | 4,453 |
| Pretax return on assets | 0.6863% | 4,836 |
| Return on Equity (ROE) | 7.2751% | 3,620 |
| Retained earnings to average equity (ytd only) | 7.2751% | 2,290 |
| Net charge-offs to loans | 0.0468% | 4,049 |
| Credit loss provision to net charge-offs | 937.5000% | 373 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 867 |
| Efficiency ratio | 75.2617% | 2,897 |
| Assets per employee ($millions) | 3.4033% | 5,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 5,790 |
| Loan loss allowance to noncurrent loans | 102.5435% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.9550% | 4,596 |
| Noncurrent loans to loans | 1.1043% | 4,489 |
| Net loans and leases to total assets | 61.4082% | 3,372 |
| Net loans and leases to deposits | 67.4391% | 4,156 |
| Net loans and leases to core deposits | 69.0326% | 4,558 |
| Total domestic deposits to total assets | 91.0573% | 530 |
| Equity capital to assets | 8.5938% | 5,999 |
| Core capital (leverage) ratio | 8.7208% | 5,262 |
| Tier 1 risk-based capital ratio | 12.8384% | 5,338 |
| Total risk-based capital ratio | 13.8968% | 5,447 |
| Memoranda: | ||
| Average total assets | $107,830,000 | 4,754 |
| Average earning assets | $97,946,500 | 4,753 |
| Average equity | $9,237,000 | 5,234 |
| Average total loans | $68,382,500 | 4,509 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1876% | 2,115 |
| Cost of funding earning assets | 1.2196% | 1,899 |
| Net interest margin | 3.9681% | 3,028 |
| Noninterest income to average assets | 0.5732% | 3,344 |
| Noninterest expense to average assets | 2.7469% | 4,564 |
| Loan and lease loss provision to assets | 0.2838% | 3,393 |
| Net operating income to assets | 0.7652% | 3,194 |
| Return on assets (ROA) | 0.7652% | 3,361 |
| Pretax return on assets | 1.1587% | 2,618 |
| Return on Equity (ROE) | 9.2665% | 2,336 |
| Retained earnings to average equity (ytd only) | 9.2665% | 732 |
| Net charge-offs to loans | 1.0263% | 1,702 |
| Credit loss provision to net charge-offs | 40.1070% | 5,623 |
| Earnings coverage of net charge-offs (x) | 2.0388% | 4,252 |
| Efficiency ratio | 65.5678% | 4,855 |
| Assets per employee ($millions) | 3.3361% | 5,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 6,165 |
| Loan loss allowance to noncurrent loans | 102.1930% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 1.5137% | 3,680 |
| Noncurrent loans to loans | 0.9895% | 4,725 |
| Net loans and leases to total assets | 64.0938% | 3,173 |
| Net loans and leases to deposits | 70.3307% | 4,045 |
| Net loans and leases to core deposits | 71.8302% | 4,552 |
| Total domestic deposits to total assets | 91.1321% | 452 |
| Equity capital to assets | 8.5382% | 6,094 |
| Core capital (leverage) ratio | 8.7128% | 5,231 |
| Tier 1 risk-based capital ratio | 12.3902% | 5,546 |
| Total risk-based capital ratio | 13.3395% | 5,751 |
| Memoranda: | ||
| Average total assets | $105,717,400 | 4,740 |
| Average earning assets | $96,344,400 | 4,736 |
| Average equity | $8,730,400 | 5,353 |
| Average total loans | $72,879,800 | 4,385 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2919% | 1,894 |
| Cost of funding earning assets | 1.2835% | 1,790 |
| Net interest margin | 4.0084% | 2,885 |
| Noninterest income to average assets | 0.5677% | 3,389 |
| Noninterest expense to average assets | 2.7840% | 4,402 |
| Loan and lease loss provision to assets | 0.2845% | 3,249 |
| Net operating income to assets | 0.7700% | 3,301 |
| Return on assets (ROA) | 0.7700% | 3,462 |
| Pretax return on assets | 1.1594% | 2,787 |
| Return on Equity (ROE) | 9.4042% | 2,423 |
| Retained earnings to average equity (ytd only) | 9.4042% | 1,010 |
| Net charge-offs to loans | 0.8435% | 1,886 |
| Credit loss provision to net charge-offs | 48.1799% | 5,075 |
| Earnings coverage of net charge-offs (x) | 2.4454% | 3,905 |
| Efficiency ratio | 65.8493% | 4,747 |
| Assets per employee ($millions) | 3.1436% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 5,190 |
| Loan loss allowance to noncurrent loans | 165.7509% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 1.1086% | 4,560 |
| Noncurrent loans to loans | 0.7601% | 5,355 |
| Net loans and leases to total assets | 68.3677% | 2,409 |
| Net loans and leases to deposits | 75.0495% | 3,501 |
| Net loans and leases to core deposits | 76.9525% | 4,063 |
| Total domestic deposits to total assets | 91.0969% | 406 |
| Equity capital to assets | 8.6515% | 6,141 |
| Core capital (leverage) ratio | 8.5978% | 5,554 |
| Tier 1 risk-based capital ratio | 11.8657% | 5,989 |
| Total risk-based capital ratio | 13.0691% | 6,009 |
| Memoranda: | ||
| Average total assets | $105,457,750 | 4,776 |
| Average earning assets | $96,295,250 | 4,766 |
| Average equity | $8,634,250 | 5,404 |
| Average total loans | $73,819,000 | 4,390 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2618% | 2,021 |
| Cost of funding earning assets | 1.3562% | 1,616 |
| Net interest margin | 3.9056% | 3,281 |
| Noninterest income to average assets | 0.5225% | 3,682 |
| Noninterest expense to average assets | 2.7879% | 4,478 |
| Loan and lease loss provision to assets | 0.2829% | 3,117 |
| Net operating income to assets | 0.7168% | 3,460 |
| Return on assets (ROA) | 0.7168% | 3,572 |
| Pretax return on assets | 1.0261% | 3,137 |
| Return on Equity (ROE) | 8.9195% | 2,552 |
| Retained earnings to average equity (ytd only) | 8.9195% | 1,137 |
| Net charge-offs to loans | 0.0994% | 4,687 |
| Credit loss provision to net charge-offs | 405.4054% | 739 |
| Earnings coverage of net charge-offs (x) | 18.7568% | 1,242 |
| Efficiency ratio | 68.0479% | 4,502 |
| Assets per employee ($millions) | 3.1652% | 5,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7093% | 3,291 |
| Loan loss allowance to noncurrent loans | 81.0811% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.5558% | 3,859 |
| Noncurrent loans to loans | 2.1081% | 3,345 |
| Net loans and leases to total assets | 69.3665% | 2,349 |
| Net loans and leases to deposits | 75.8903% | 3,497 |
| Net loans and leases to core deposits | 77.4271% | 4,132 |
| Total domestic deposits to total assets | 91.4036% | 367 |
| Equity capital to assets | 8.3752% | 6,335 |
| Core capital (leverage) ratio | 8.0456% | 6,245 |
| Tier 1 risk-based capital ratio | 11.4249% | 6,231 |
| Total risk-based capital ratio | 12.6801% | 6,213 |
| Memoranda: | ||
| Average total assets | $106,030,670 | 4,798 |
| Average earning assets | $97,039,330 | 4,782 |
| Average equity | $8,520,670 | 5,449 |
| Average total loans | $74,482,330 | 4,411 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1399% | 2,476 |
| Cost of funding earning assets | 1.4305% | 1,466 |
| Net interest margin | 3.7095% | 4,049 |
| Noninterest income to average assets | 0.5579% | 3,450 |
| Noninterest expense to average assets | 2.7747% | 4,546 |
| Loan and lease loss provision to assets | 0.2808% | 2,909 |
| Net operating income to assets | 0.7040% | 3,505 |
| Return on assets (ROA) | 0.7040% | 3,573 |
| Pretax return on assets | 0.8912% | 3,535 |
| Return on Equity (ROE) | 8.9449% | 2,497 |
| Retained earnings to average equity (ytd only) | 8.9449% | 1,396 |
| Net charge-offs to loans | 0.1389% | 3,676 |
| Credit loss provision to net charge-offs | 288.4615% | 1,106 |
| Earnings coverage of net charge-offs (x) | 12.0385% | 1,518 |
| Efficiency ratio | 70.3036% | 4,194 |
| Assets per employee ($millions) | 3.3123% | 5,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6306% | 3,602 |
| Loan loss allowance to noncurrent loans | 52.5945% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 2.1454% | 3,136 |
| Noncurrent loans to loans | 3.1003% | 2,419 |
| Net loans and leases to total assets | 66.0092% | 3,006 |
| Net loans and leases to deposits | 72.4294% | 3,997 |
| Net loans and leases to core deposits | 75.0239% | 4,425 |
| Total domestic deposits to total assets | 91.1359% | 559 |
| Equity capital to assets | 7.7708% | 6,698 |
| Core capital (leverage) ratio | 7.9121% | 6,352 |
| Tier 1 risk-based capital ratio | 11.1449% | 6,401 |
| Total risk-based capital ratio | 12.3994% | 6,365 |
| Memoranda: | ||
| Average total assets | $106,820,500 | 4,815 |
| Average earning assets | $97,588,500 | 4,799 |
| Average equity | $8,407,000 | 5,488 |
| Average total loans | $74,866,500 | 4,429 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5374% | 2,131 |
| Cost of funding earning assets | 1.7854% | 1,224 |
| Net interest margin | 3.7520% | 4,143 |
| Noninterest income to average assets | 0.6734% | 3,002 |
| Noninterest expense to average assets | 3.1396% | 3,309 |
| Loan and lease loss provision to assets | 1.1132% | 1,432 |
| Net operating income to assets | -0.1864% | 6,104 |
| Return on assets (ROA) | -0.1864% | 6,153 |
| Pretax return on assets | -0.1864% | 6,076 |
| Return on Equity (ROE) | -2.4291% | 6,223 |
| Retained earnings to average equity (ytd only) | -2.4291% | 6,035 |
| Net charge-offs to loans | 1.9971% | 1,014 |
| Credit loss provision to net charge-offs | 74.9086% | 5,736 |
| Earnings coverage of net charge-offs (x) | 0.6236% | 5,486 |
| Efficiency ratio | 77.2090% | 2,838 |
| Assets per employee ($millions) | 3.0687% | 5,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 4,002 |
| Loan loss allowance to noncurrent loans | 50.8197% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 2.3147% | 2,954 |
| Noncurrent loans to loans | 2.9548% | 2,585 |
| Net loans and leases to total assets | 72.1119% | 2,078 |
| Net loans and leases to deposits | 79.3307% | 3,288 |
| Net loans and leases to core deposits | 84.2436% | 3,564 |
| Total domestic deposits to total assets | 90.9005% | 648 |
| Equity capital to assets | 7.9743% | 6,521 |
| Core capital (leverage) ratio | 7.8136% | 6,425 |
| Tier 1 risk-based capital ratio | 10.7265% | 6,549 |
| Total risk-based capital ratio | 11.9794% | 6,515 |
| Memoranda: | ||
| Average total assets | $110,490,400 | 4,702 |
| Average earning assets | $99,920,600 | 4,730 |
| Average equity | $8,480,600 | 5,551 |
| Average total loans | $82,220,200 | 4,269 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5501% | 2,255 |
| Cost of funding earning assets | 1.8544% | 1,194 |
| Net interest margin | 3.6957% | 4,421 |
| Noninterest income to average assets | 0.5689% | 3,659 |
| Noninterest expense to average assets | 3.1134% | 3,281 |
| Loan and lease loss provision to assets | 0.8867% | 1,714 |
| Net operating income to assets | -0.1107% | 6,196 |
| Return on assets (ROA) | -0.1107% | 6,284 |
| Pretax return on assets | -0.0940% | 6,215 |
| Return on Equity (ROE) | -1.4553% | 6,333 |
| Retained earnings to average equity (ytd only) | -1.4553% | 6,091 |
| Net charge-offs to loans | 1.6109% | 1,224 |
| Credit loss provision to net charge-offs | 73.6894% | 5,320 |
| Earnings coverage of net charge-offs (x) | 0.6588% | 5,385 |
| Efficiency ratio | 79.7075% | 2,386 |
| Assets per employee ($millions) | 3.0153% | 6,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 3,308 |
| Loan loss allowance to noncurrent loans | 71.3970% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.9463% | 3,540 |
| Noncurrent loans to loans | 2.3218% | 3,316 |
| Net loans and leases to total assets | 72.6849% | 2,082 |
| Net loans and leases to deposits | 80.8636% | 3,296 |
| Net loans and leases to core deposits | 88.7465% | 3,278 |
| Total domestic deposits to total assets | 89.8858% | 937 |
| Equity capital to assets | 8.0059% | 6,802 |
| Core capital (leverage) ratio | 7.7415% | 6,633 |
| Tier 1 risk-based capital ratio | 10.7148% | 6,624 |
| Total risk-based capital ratio | 11.9699% | 6,595 |
| Memoranda: | ||
| Average total assets | $112,029,250 | 4,713 |
| Average earning assets | $101,160,000 | 4,755 |
| Average equity | $8,520,750 | 5,617 |
| Average total loans | $83,679,000 | 4,299 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5181% | 2,449 |
| Cost of funding earning assets | 1.9268% | 1,122 |
| Net interest margin | 3.5913% | 4,855 |
| Noninterest income to average assets | 0.5377% | 3,813 |
| Noninterest expense to average assets | 3.0650% | 3,452 |
| Loan and lease loss provision to assets | 0.6130% | 2,341 |
| Net operating income to assets | 0.0963% | 5,874 |
| Return on assets (ROA) | 0.0963% | 5,992 |
| Pretax return on assets | 0.0981% | 5,981 |
| Return on Equity (ROE) | 1.2874% | 5,873 |
| Retained earnings to average equity (ytd only) | 1.2874% | 5,238 |
| Net charge-offs to loans | 1.6150% | 1,176 |
| Credit loss provision to net charge-offs | 50.6512% | 5,402 |
| Earnings coverage of net charge-offs (x) | 0.5876% | 5,152 |
| Efficiency ratio | 81.1688% | 2,274 |
| Assets per employee ($millions) | 3.0839% | 5,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5064% | 3,891 |
| Loan loss allowance to noncurrent loans | 48.1043% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 2.4067% | 2,989 |
| Noncurrent loans to loans | 3.1315% | 2,562 |
| Net loans and leases to total assets | 71.7317% | 2,478 |
| Net loans and leases to deposits | 79.4473% | 3,703 |
| Net loans and leases to core deposits | 82.9269% | 4,291 |
| Total domestic deposits to total assets | 90.2884% | 776 |
| Equity capital to assets | 7.7372% | 6,973 |
| Core capital (leverage) ratio | 7.5990% | 6,735 |
| Tier 1 risk-based capital ratio | 10.4623% | 6,714 |
| Total risk-based capital ratio | 11.7155% | 6,693 |
| Memoranda: | ||
| Average total assets | $114,194,000 | 4,698 |
| Average earning assets | $102,970,330 | 4,722 |
| Average equity | $8,544,670 | 5,621 |
| Average total loans | $85,571,670 | 4,268 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5948% | 2,168 |
| Cost of funding earning assets | 2.0257% | 1,010 |
| Net interest margin | 3.5691% | 4,857 |
| Noninterest income to average assets | 0.4975% | 4,065 |
| Noninterest expense to average assets | 2.6568% | 5,118 |
| Loan and lease loss provision to assets | 0.9501% | 1,325 |
| Net operating income to assets | 0.0449% | 6,174 |
| Return on assets (ROA) | 0.0449% | 6,286 |
| Pretax return on assets | 0.0864% | 6,171 |
| Return on Equity (ROE) | 0.6102% | 6,232 |
| Retained earnings to average equity (ytd only) | 0.6102% | 5,578 |
| Net charge-offs to loans | 2.4975% | 655 |
| Credit loss provision to net charge-offs | 50.0911% | 4,475 |
| Earnings coverage of net charge-offs (x) | 0.5464% | 4,546 |
| Efficiency ratio | 71.9364% | 3,942 |
| Assets per employee ($millions) | 3.1707% | 5,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 3,894 |
| Loan loss allowance to noncurrent loans | 54.7507% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 3.4228% | 2,060 |
| Noncurrent loans to loans | 2.7454% | 2,901 |
| Net loans and leases to total assets | 73.7678% | 2,020 |
| Net loans and leases to deposits | 81.4311% | 3,376 |
| Net loans and leases to core deposits | 84.7206% | 4,103 |
| Total domestic deposits to total assets | 90.5892% | 696 |
| Equity capital to assets | 7.4764% | 7,093 |
| Core capital (leverage) ratio | 7.4079% | 6,927 |
| Tier 1 risk-based capital ratio | 9.7061% | 7,208 |
| Total risk-based capital ratio | 10.9584% | 7,198 |
| Memoranda: | ||
| Average total assets | $115,780,000 | 4,726 |
| Average earning assets | $103,668,000 | 4,764 |
| Average equity | $8,522,000 | 5,684 |
| Average total loans | $87,929,500 | 4,259 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9385% | 2,089 |
| Cost of funding earning assets | 2.8175% | 426 |
| Net interest margin | 3.1210% | 6,310 |
| Noninterest income to average assets | 0.5584% | 3,958 |
| Noninterest expense to average assets | 2.5973% | 5,807 |
| Loan and lease loss provision to assets | 1.8750% | 1,193 |
| Net operating income to assets | -0.6819% | 6,346 |
| Return on assets (ROA) | -0.6098% | 6,276 |
| Pretax return on assets | -0.9367% | 6,369 |
| Return on Equity (ROE) | -8.5796% | 6,516 |
| Retained earnings to average equity (ytd only) | -8.5796% | 6,400 |
| Net charge-offs to loans | 2.3006% | 1,013 |
| Credit loss provision to net charge-offs | 104.3084% | 5,301 |
| Earnings coverage of net charge-offs (x) | 0.4603% | 5,651 |
| Efficiency ratio | 75.8391% | 3,553 |
| Assets per employee ($millions) | 3.2615% | 5,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7251% | 2,810 |
| Loan loss allowance to noncurrent loans | 71.5466% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 3.0959% | 2,244 |
| Noncurrent loans to loans | 2.4112% | 3,145 |
| Net loans and leases to total assets | 75.6400% | 1,893 |
| Net loans and leases to deposits | 83.2438% | 3,415 |
| Net loans and leases to core deposits | 110.1517% | 2,878 |
| Total domestic deposits to total assets | 90.8657% | 585 |
| Equity capital to assets | 7.2479% | 7,238 |
| Core capital (leverage) ratio | 7.0812% | 7,168 |
| Tier 1 risk-based capital ratio | 9.1669% | 7,391 |
| Total risk-based capital ratio | 10.4225% | 7,397 |
| Memoranda: | ||
| Average total assets | $122,665,400 | 4,500 |
| Average earning assets | $112,654,800 | 4,489 |
| Average equity | $8,718,400 | 5,693 |
| Average total loans | $95,842,600 | 4,066 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0125% | 1,982 |
| Cost of funding earning assets | 2.9451% | 392 |
| Net interest margin | 3.0674% | 6,409 |
| Noninterest income to average assets | 0.5291% | 4,244 |
| Noninterest expense to average assets | 2.4918% | 6,097 |
| Loan and lease loss provision to assets | 1.5863% | 1,194 |
| Net operating income to assets | -0.4474% | 6,373 |
| Return on assets (ROA) | -0.4474% | 6,378 |
| Pretax return on assets | -0.7162% | 6,495 |
| Return on Equity (ROE) | -6.3240% | 6,587 |
| Retained earnings to average equity (ytd only) | -6.3240% | 6,424 |
| Net charge-offs to loans | 1.7762% | 1,136 |
| Credit loss provision to net charge-offs | 113.8996% | 4,462 |
| Earnings coverage of net charge-offs (x) | 0.6247% | 5,403 |
| Efficiency ratio | 74.1203% | 3,845 |
| Assets per employee ($millions) | 3.3591% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 2,379 |
| Loan loss allowance to noncurrent loans | 133.1174% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 2.2145% | 3,076 |
| Noncurrent loans to loans | 1.3311% | 4,711 |
| Net loans and leases to total assets | 75.3657% | 2,142 |
| Net loans and leases to deposits | 83.8908% | 3,666 |
| Net loans and leases to core deposits | 111.0842% | 3,118 |
| Total domestic deposits to total assets | 89.8378% | 832 |
| Equity capital to assets | 7.4134% | 7,363 |
| Core capital (leverage) ratio | 7.1412% | 7,320 |
| Tier 1 risk-based capital ratio | 9.3543% | 7,463 |
| Total risk-based capital ratio | 10.6108% | 7,436 |
| Memoranda: | ||
| Average total assets | $123,978,250 | 4,502 |
| Average earning assets | $114,491,250 | 4,463 |
| Average equity | $8,770,500 | 5,731 |
| Average total loans | $97,210,500 | 4,057 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0048% | 2,164 |
| Cost of funding earning assets | 3.0516% | 407 |
| Net interest margin | 2.9532% | 6,674 |
| Noninterest income to average assets | 0.5216% | 4,259 |
| Noninterest expense to average assets | 2.3889% | 6,499 |
| Loan and lease loss provision to assets | 2.0001% | 812 |
| Net operating income to assets | -1.1072% | 7,056 |
| Return on assets (ROA) | -1.1072% | 7,056 |
| Pretax return on assets | -1.1296% | 6,896 |
| Return on Equity (ROE) | -15.8977% | 7,378 |
| Retained earnings to average equity (ytd only) | -15.8977% | 7,292 |
| Net charge-offs to loans | 2.1178% | 870 |
| Credit loss provision to net charge-offs | 119.6172% | 3,888 |
| Earnings coverage of net charge-offs (x) | 0.5206% | 5,186 |
| Efficiency ratio | 73.2941% | 4,139 |
| Assets per employee ($millions) | 3.5043% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7147% | 2,289 |
| Loan loss allowance to noncurrent loans | 63.7753% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 2.0745% | 3,095 |
| Noncurrent loans to loans | 2.6886% | 2,676 |
| Net loans and leases to total assets | 75.8349% | 2,220 |
| Net loans and leases to deposits | 83.8406% | 3,909 |
| Net loans and leases to core deposits | 108.8336% | 3,511 |
| Total domestic deposits to total assets | 90.4513% | 647 |
| Equity capital to assets | 6.8924% | 7,662 |
| Core capital (leverage) ratio | 6.7216% | 7,694 |
| Tier 1 risk-based capital ratio | 8.6757% | 7,820 |
| Total risk-based capital ratio | 9.9303% | 7,859 |
| Memoranda: | ||
| Average total assets | $124,994,670 | 4,510 |
| Average earning assets | $115,874,670 | 4,465 |
| Average equity | $8,705,670 | 5,774 |
| Average total loans | $98,686,330 | 4,049 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0913% | 1,972 |
| Cost of funding earning assets | 3.1516% | 394 |
| Net interest margin | 2.9397% | 6,638 |
| Noninterest income to average assets | 0.5144% | 4,192 |
| Noninterest expense to average assets | 2.3984% | 6,197 |
| Loan and lease loss provision to assets | 3.7777% | 262 |
| Net operating income to assets | -2.8967% | 7,828 |
| Return on assets (ROA) | -2.8967% | 7,832 |
| Pretax return on assets | -2.9418% | 7,739 |
| Return on Equity (ROE) | -41.3730% | 8,003 |
| Retained earnings to average equity (ytd only) | -41.3730% | 7,982 |
| Net charge-offs to loans | 4.1666% | 289 |
| Credit loss provision to net charge-offs | 113.5266% | 3,422 |
| Earnings coverage of net charge-offs (x) | 0.2512% | 4,775 |
| Efficiency ratio | 74.1551% | 3,797 |
| Assets per employee ($millions) | 3.5287% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 2,445 |
| Loan loss allowance to noncurrent loans | 158.4980% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.8163% | 5,138 |
| Noncurrent loans to loans | 1.0218% | 4,953 |
| Net loans and leases to total assets | 76.7015% | 2,112 |
| Net loans and leases to deposits | 84.5616% | 3,885 |
| Net loans and leases to core deposits | 110.6007% | 3,355 |
| Total domestic deposits to total assets | 90.7049% | 512 |
| Equity capital to assets | 6.6691% | 7,820 |
| Core capital (leverage) ratio | 6.7026% | 7,798 |
| Tier 1 risk-based capital ratio | 8.3239% | 7,975 |
| Total risk-based capital ratio | 9.5779% | 8,008 |
| Memoranda: | ||
| Average total assets | $124,415,500 | 4,529 |
| Average earning assets | $115,115,500 | 4,498 |
| Average equity | $8,711,000 | 5,806 |
| Average total loans | $99,361,000 | 4,057 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2292% | 690 |
| Cost of funding earning assets | 3.5793% | 420 |
| Net interest margin | 3.6499% | 4,679 |
| Noninterest income to average assets | 0.7148% | 3,027 |
| Noninterest expense to average assets | 2.6499% | 5,444 |
| Loan and lease loss provision to assets | 0.2527% | 4,393 |
| Net operating income to assets | 0.7518% | 3,659 |
| Return on assets (ROA) | 0.7518% | 3,495 |
| Pretax return on assets | 1.1688% | 2,772 |
| Return on Equity (ROE) | 10.0378% | 2,250 |
| Retained earnings to average equity (ytd only) | 5.5311% | 1,751 |
| Net charge-offs to loans | 0.1192% | 5,064 |
| Credit loss provision to net charge-offs | 259.2593% | 1,785 |
| Earnings coverage of net charge-offs (x) | 14.5833% | 2,028 |
| Efficiency ratio | 65.0853% | 5,302 |
| Assets per employee ($millions) | 3.3833% | 4,981 |
| Cash dividends to net income (ytd only)* | 44.8980% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 2,839 |
| Loan loss allowance to noncurrent loans | 205.6180% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.6051% | 5,382 |
| Noncurrent loans to loans | 0.7143% | 5,252 |
| Net loans and leases to total assets | 80.6399% | 1,519 |
| Net loans and leases to deposits | 89.7074% | 3,503 |
| Net loans and leases to core deposits | 116.3584% | 3,085 |
| Total domestic deposits to total assets | 89.8922% | 694 |
| Equity capital to assets | 7.3483% | 7,512 |
| Core capital (leverage) ratio | 7.3013% | 7,417 |
| Tier 1 risk-based capital ratio | 8.8078% | 7,903 |
| Total risk-based capital ratio | 10.0599% | 7,951 |
| Memoranda: | ||
| Average total assets | $110,797,000 | 4,755 |
| Average earning assets | $101,892,600 | 4,754 |
| Average equity | $8,298,600 | 5,976 |
| Average total loans | $90,595,600 | 4,209 |