Home > Citizens Savings Bank > Performance and Condition Ratios
Citizens Savings 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 | 4.1136% | 3,772 |
| Cost of funding earning assets | 2.2285% | 609 |
| Net interest margin | 1.8851% | 4,445 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 1.4926% | 4,332 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.3061% | 4,017 |
| Return on assets (ROA) | 0.2994% | 4,025 |
| Pretax return on assets | 0.3040% | 4,088 |
| Return on Equity (ROE) | 3.2900% | 3,977 |
| Retained earnings to average equity (ytd only) | 2.9163% | 3,304 |
| Net charge-offs to loans | -0.0035% | 3,766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.3272% | 895 |
| Assets per employee ($millions) | 9.6152% | 797 |
| Cash dividends to net income (ytd only)* | 11.4213% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1894% | 285 |
| Loan loss allowance to noncurrent loans | 4,074.1935% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 3,559 |
| Noncurrent loans to loans | 0.0537% | 3,335 |
| Net loans and leases to total assets | 41.9200% | 3,968 |
| Net loans and leases to deposits | 52.6962% | 3,847 |
| Net loans and leases to core deposits | 60.9769% | 3,732 |
| Total domestic deposits to total assets | 79.5400% | 3,529 |
| Equity capital to assets | 10.5978% | 1,681 |
| Core capital (leverage) ratio | 15.6901% | 525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $131,586,200 | 3,537 |
| Average earning assets | $123,175,800 | 3,516 |
| Average equity | $11,967,400 | 3,528 |
| Average total loans | $56,486,200 | 3,748 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 3,659 |
| Cost of funding earning assets | 2.1639% | 532 |
| Net interest margin | 1.9383% | 4,462 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 1.4369% | 4,365 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.5218% | 3,718 |
| Return on assets (ROA) | 0.5126% | 3,729 |
| Pretax return on assets | 0.4015% | 4,060 |
| Return on Equity (ROE) | 5.8900% | 3,656 |
| Retained earnings to average equity (ytd only) | 5.8866% | 2,662 |
| Net charge-offs to loans | -0.0024% | 3,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.5222% | 1,223 |
| Assets per employee ($millions) | 9.1224% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2085% | 289 |
| Loan loss allowance to noncurrent loans | 503.6437% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 2,304 |
| Noncurrent loans to loans | 0.4385% | 1,736 |
| Net loans and leases to total assets | 43.1300% | 3,948 |
| Net loans and leases to deposits | 52.5135% | 3,862 |
| Net loans and leases to core deposits | 60.8885% | 3,662 |
| Total domestic deposits to total assets | 82.1300% | 3,186 |
| Equity capital to assets | 6.7181% | 3,743 |
| Core capital (leverage) ratio | 15.9576% | 498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $130,829,500 | 3,553 |
| Average earning assets | $122,305,000 | 3,530 |
| Average equity | $11,392,750 | 3,585 |
| Average total loans | $56,185,750 | 3,765 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0204% | 3,640 |
| Cost of funding earning assets | 2.0215% | 474 |
| Net interest margin | 1.9989% | 4,498 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 1.4090% | 4,410 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.5930% | 3,588 |
| Return on assets (ROA) | 0.5794% | 3,636 |
| Pretax return on assets | 0.4914% | 3,979 |
| Return on Equity (ROE) | 6.2000% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.1961% | 2,551 |
| Net charge-offs to loans | -0.0036% | 3,635 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.5716% | 1,604 |
| Assets per employee ($millions) | 9.4462% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1812% | 316 |
| Loan loss allowance to noncurrent loans | 581.0427% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 2,434 |
| Noncurrent loans to loans | 0.3754% | 1,796 |
| Net loans and leases to total assets | 41.5700% | 3,983 |
| Net loans and leases to deposits | 52.3215% | 3,826 |
| Net loans and leases to core deposits | 60.4266% | 3,606 |
| Total domestic deposits to total assets | 79.4600% | 3,655 |
| Equity capital to assets | 9.6358% | 2,074 |
| Core capital (leverage) ratio | 15.8460% | 489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $131,868,000 | 3,551 |
| Average earning assets | $123,769,333 | 3,519 |
| Average equity | $12,330,333 | 3,504 |
| Average total loans | $56,138,333 | 3,776 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 3,507 |
| Cost of funding earning assets | 1.8844% | 380 |
| Net interest margin | 2.0848% | 4,538 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 1.4004% | 4,471 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.6561% | 3,569 |
| Return on assets (ROA) | 0.6561% | 3,523 |
| Pretax return on assets | 0.5924% | 3,854 |
| Return on Equity (ROE) | 7.1300% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.1264% | 2,459 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.3976% | 1,932 |
| Assets per employee ($millions) | 10.1980% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1326% | 358 |
| Loan loss allowance to noncurrent loans | 1,471.9512% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 3,166 |
| Noncurrent loans to loans | 0.1449% | 2,770 |
| Net loans and leases to total assets | 41.7800% | 3,964 |
| Net loans and leases to deposits | 53.4817% | 3,718 |
| Net loans and leases to core deposits | 61.2515% | 3,489 |
| Total domestic deposits to total assets | 78.1200% | 3,996 |
| Equity capital to assets | 9.6618% | 2,028 |
| Core capital (leverage) ratio | 15.5725% | 509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $131,678,500 | 3,596 |
| Average earning assets | $123,750,000 | 3,561 |
| Average equity | $12,124,000 | 3,562 |
| Average total loans | $56,104,000 | 3,821 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6191% | 2,745 |
| Cost of funding earning assets | 0.8292% | 354 |
| Net interest margin | 2.7898% | 3,912 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.5279% | 4,399 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0708% | 2,296 |
| Return on assets (ROA) | 1.0708% | 2,236 |
| Pretax return on assets | 1.1590% | 2,574 |
| Return on Equity (ROE) | 10.1900% | 2,752 |
| Retained earnings to average equity (ytd only) | 9.2907% | 1,393 |
| Net charge-offs to loans | -0.0035% | 3,557 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.7493% | 3,602 |
| Assets per employee ($millions) | 9.3416% | 822 |
| Cash dividends to net income (ytd only)* | 8.8563% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1381% | 335 |
| Loan loss allowance to noncurrent loans | 3,213.5135% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,531 |
| Noncurrent loans to loans | 0.0665% | 3,268 |
| Net loans and leases to total assets | 41.6100% | 3,999 |
| Net loans and leases to deposits | 53.3252% | 3,718 |
| Net loans and leases to core deposits | 58.1272% | 3,605 |
| Total domestic deposits to total assets | 78.0300% | 4,088 |
| Equity capital to assets | 8.7465% | 2,533 |
| Core capital (leverage) ratio | 15.6181% | 500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $133,913,200 | 3,597 |
| Average earning assets | $127,105,000 | 3,559 |
| Average equity | $14,067,800 | 3,459 |
| Average total loans | $56,624,600 | 3,796 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5546% | 2,452 |
| Cost of funding earning assets | 0.6936% | 278 |
| Net interest margin | 2.8609% | 3,596 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.3799% | 4,522 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.2918% | 1,379 |
| Return on assets (ROA) | 1.2918% | 1,348 |
| Pretax return on assets | 1.3809% | 1,776 |
| Return on Equity (ROE) | 11.8200% | 2,092 |
| Retained earnings to average equity (ytd only) | 11.8163% | 835 |
| Net charge-offs to loans | -0.0023% | 3,297 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.0327% | 4,217 |
| Assets per employee ($millions) | 8.6839% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1460% | 381 |
| Loan loss allowance to noncurrent loans | 3,162.1622% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 3,646 |
| Noncurrent loans to loans | 0.0679% | 3,391 |
| Net loans and leases to total assets | 40.9600% | 4,033 |
| Net loans and leases to deposits | 47.8235% | 3,961 |
| Net loans and leases to core deposits | 51.7178% | 3,869 |
| Total domestic deposits to total assets | 85.6400% | 3,148 |
| Equity capital to assets | 6.5846% | 3,699 |
| Core capital (leverage) ratio | 15.2478% | 518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $134,695,750 | 3,612 |
| Average earning assets | $128,208,000 | 3,570 |
| Average equity | $14,725,000 | 3,434 |
| Average total loans | $56,878,250 | 3,806 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4250% | 2,359 |
| Cost of funding earning assets | 0.6176% | 244 |
| Net interest margin | 2.8075% | 3,428 |
| Noninterest income to average assets | 0.0852% | 4,540 |
| Noninterest expense to average assets | 1.3277% | 4,577 |
| Loan and lease loss provision to assets | 0.0529% | 1,632 |
| Net operating income to assets | 1.2954% | 1,148 |
| Return on assets (ROA) | 1.2954% | 1,131 |
| Pretax return on assets | 1.3953% | 1,453 |
| Return on Equity (ROE) | 10.5161% | 2,165 |
| Retained earnings to average equity (ytd only) | 10.5161% | 901 |
| Net charge-offs to loans | -0.0035% | 3,240 |
| Credit loss provision to net charge-offs | -3,600.0000% | 3,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8307% | 4,353 |
| Assets per employee ($millions) | 8.9808% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1180% | 432 |
| Loan loss allowance to noncurrent loans | 2,679.0698% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 3,657 |
| Noncurrent loans to loans | 0.0791% | 3,385 |
| Net loans and leases to total assets | 39.5206% | 4,094 |
| Net loans and leases to deposits | 47.2144% | 3,972 |
| Net loans and leases to core deposits | 50.7788% | 3,891 |
| Total domestic deposits to total assets | 83.7045% | 3,743 |
| Equity capital to assets | 8.7847% | 2,545 |
| Core capital (leverage) ratio | 15.3104% | 443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,174,667 | 3,636 |
| Average earning assets | $130,509,667 | 3,589 |
| Average equity | $16,774,333 | 3,336 |
| Average total loans | $57,664,667 | 3,832 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3284% | 2,299 |
| Cost of funding earning assets | 0.6087% | 245 |
| Net interest margin | 2.7196% | 3,366 |
| Noninterest income to average assets | 0.0847% | 4,557 |
| Noninterest expense to average assets | 1.3148% | 4,612 |
| Loan and lease loss provision to assets | 0.0526% | 1,439 |
| Net operating income to assets | 1.2417% | 1,138 |
| Return on assets (ROA) | 1.2417% | 1,125 |
| Pretax return on assets | 1.3411% | 1,405 |
| Return on Equity (ROE) | 8.8337% | 2,375 |
| Retained earnings to average equity (ytd only) | 8.8337% | 1,316 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5437% | 4,380 |
| Assets per employee ($millions) | 10.5088% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0392% | 581 |
| Loan loss allowance to noncurrent loans | 2,634.8837% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 3,719 |
| Noncurrent loans to loans | 0.0774% | 3,455 |
| Net loans and leases to total assets | 39.8400% | 4,025 |
| Net loans and leases to deposits | 49.2726% | 3,793 |
| Net loans and leases to core deposits | 52.9312% | 3,669 |
| Total domestic deposits to total assets | 80.8563% | 4,213 |
| Equity capital to assets | 11.6313% | 1,080 |
| Core capital (leverage) ratio | 15.7905% | 370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,906,000 | 3,647 |
| Average earning assets | $132,076,000 | 3,593 |
| Average equity | $19,244,500 | 3,215 |
| Average total loans | $59,301,500 | 3,801 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9804% | 1,405 |
| Cost of funding earning assets | 0.6653% | 384 |
| Net interest margin | 3.3151% | 2,269 |
| Noninterest income to average assets | 0.0951% | 4,628 |
| Noninterest expense to average assets | 1.6231% | 4,395 |
| Loan and lease loss provision to assets | 0.0566% | 1,919 |
| Net operating income to assets | 1.3944% | 1,297 |
| Return on assets (ROA) | 1.3984% | 1,337 |
| Pretax return on assets | 1.6302% | 1,339 |
| Return on Equity (ROE) | 8.1157% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.5367% | 1,708 |
| Net charge-offs to loans | -0.0031% | 3,446 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1086% | 4,346 |
| Assets per employee ($millions) | 9.7999% | 706 |
| Cash dividends to net income (ytd only)* | 7.1348% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7686% | 922 |
| Loan loss allowance to noncurrent loans | 2,593.0233% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 3,808 |
| Noncurrent loans to loans | 0.0682% | 3,601 |
| Net loans and leases to total assets | 45.1377% | 3,756 |
| Net loans and leases to deposits | 60.6549% | 3,020 |
| Net loans and leases to core deposits | 66.2913% | 2,793 |
| Total domestic deposits to total assets | 74.4173% | 4,572 |
| Equity capital to assets | 16.4718% | 335 |
| Core capital (leverage) ratio | 15.7922% | 380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,286,000 | 3,714 |
| Average earning assets | $123,253,800 | 3,650 |
| Average equity | $21,932,800 | 3,067 |
| Average total loans | $64,387,200 | 3,756 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1708% | 1,148 |
| Cost of funding earning assets | 0.6835% | 420 |
| Net interest margin | 3.4872% | 1,902 |
| Noninterest income to average assets | 0.0855% | 4,721 |
| Noninterest expense to average assets | 1.4838% | 4,609 |
| Loan and lease loss provision to assets | 0.0577% | 1,838 |
| Net operating income to assets | 1.6280% | 959 |
| Return on assets (ROA) | 1.6334% | 1,001 |
| Pretax return on assets | 1.9240% | 907 |
| Return on Equity (ROE) | 9.3659% | 2,976 |
| Retained earnings to average equity (ytd only) | 9.3659% | 1,546 |
| Net charge-offs to loans | -0.0021% | 3,224 |
| Credit loss provision to net charge-offs | -5,400.0000% | 4,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8968% | 4,629 |
| Assets per employee ($millions) | 9.4385% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7697% | 988 |
| Loan loss allowance to noncurrent loans | 2,548.8372% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 3,943 |
| Noncurrent loans to loans | 0.0694% | 3,749 |
| Net loans and leases to total assets | 46.0402% | 3,792 |
| Net loans and leases to deposits | 62.2622% | 3,013 |
| Net loans and leases to core deposits | 65.4161% | 3,007 |
| Total domestic deposits to total assets | 73.9456% | 4,638 |
| Equity capital to assets | 16.7074% | 357 |
| Core capital (leverage) ratio | 16.5558% | 349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,808,000 | 3,785 |
| Average earning assets | $120,741,750 | 3,714 |
| Average equity | $21,766,250 | 3,112 |
| Average total loans | $64,723,250 | 3,801 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0309% | 1,495 |
| Cost of funding earning assets | 0.6991% | 467 |
| Net interest margin | 3.3317% | 2,346 |
| Noninterest income to average assets | 0.0801% | 4,760 |
| Noninterest expense to average assets | 1.4547% | 4,672 |
| Loan and lease loss provision to assets | 0.0588% | 1,858 |
| Net operating income to assets | 1.5201% | 1,246 |
| Return on assets (ROA) | 1.5201% | 1,308 |
| Pretax return on assets | 1.7914% | 1,258 |
| Return on Equity (ROE) | 8.5862% | 3,232 |
| Retained earnings to average equity (ytd only) | 8.5862% | 1,857 |
| Net charge-offs to loans | -0.0030% | 3,291 |
| Credit loss provision to net charge-offs | -3,600.0000% | 3,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0158% | 4,612 |
| Assets per employee ($millions) | 8.4684% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 1,157 |
| Loan loss allowance to noncurrent loans | 2,245.8333% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 4,003 |
| Noncurrent loans to loans | 0.0738% | 3,815 |
| Net loans and leases to total assets | 50.3771% | 3,522 |
| Net loans and leases to deposits | 68.0744% | 2,609 |
| Net loans and leases to core deposits | 72.8838% | 2,530 |
| Total domestic deposits to total assets | 74.0030% | 4,651 |
| Equity capital to assets | 17.4515% | 301 |
| Core capital (leverage) ratio | 16.9526% | 309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,364,333 | 3,828 |
| Average earning assets | $118,436,333 | 3,754 |
| Average equity | $21,662,667 | 3,118 |
| Average total loans | $65,653,333 | 3,802 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8921% | 1,848 |
| Cost of funding earning assets | 0.7362% | 478 |
| Net interest margin | 3.1558% | 2,822 |
| Noninterest income to average assets | 0.0766% | 4,779 |
| Noninterest expense to average assets | 1.4396% | 4,702 |
| Loan and lease loss provision to assets | 0.0600% | 1,922 |
| Net operating income to assets | 1.3863% | 1,607 |
| Return on assets (ROA) | 1.3863% | 1,690 |
| Pretax return on assets | 1.6195% | 1,671 |
| Return on Equity (ROE) | 7.7721% | 3,398 |
| Retained earnings to average equity (ytd only) | 7.7721% | 2,325 |
| Net charge-offs to loans | -0.0061% | 3,471 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1538% | 4,463 |
| Assets per employee ($millions) | 8.6867% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 1,297 |
| Loan loss allowance to noncurrent loans | 83.1373% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.0484% | 779 |
| Noncurrent loans to loans | 1.9258% | 576 |
| Net loans and leases to total assets | 53.5670% | 3,281 |
| Net loans and leases to deposits | 72.7934% | 2,236 |
| Net loans and leases to core deposits | 78.9082% | 2,100 |
| Total domestic deposits to total assets | 73.5877% | 4,685 |
| Equity capital to assets | 17.5794% | 276 |
| Core capital (leverage) ratio | 17.0447% | 310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,033,500 | 3,862 |
| Average earning assets | $115,723,000 | 3,787 |
| Average equity | $21,410,000 | 3,123 |
| Average total loans | $65,945,000 | 3,815 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3377% | 1,751 |
| Cost of funding earning assets | 1.0088% | 576 |
| Net interest margin | 3.3290% | 2,989 |
| Noninterest income to average assets | 0.1074% | 4,721 |
| Noninterest expense to average assets | 1.7645% | 4,528 |
| Loan and lease loss provision to assets | 0.0634% | 3,585 |
| Net operating income to assets | 1.2576% | 1,366 |
| Return on assets (ROA) | 1.2576% | 1,473 |
| Pretax return on assets | 1.4829% | 1,399 |
| Return on Equity (ROE) | 7.0118% | 3,204 |
| Retained earnings to average equity (ytd only) | 6.4230% | 1,622 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2961% | 4,284 |
| Assets per employee ($millions) | 9.1118% | 714 |
| Cash dividends to net income (ytd only)* | 8.3975% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 1,336 |
| Loan loss allowance to noncurrent loans | 95.9447% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 1,073 |
| Noncurrent loans to loans | 1.6518% | 790 |
| Net loans and leases to total assets | 54.5735% | 3,436 |
| Net loans and leases to deposits | 80.2104% | 1,843 |
| Net loans and leases to core deposits | 89.8757% | 1,533 |
| Total domestic deposits to total assets | 68.0380% | 4,815 |
| Equity capital to assets | 18.1009% | 268 |
| Core capital (leverage) ratio | 17.2069% | 300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,629,000 | 3,831 |
| Average earning assets | $109,342,800 | 3,775 |
| Average equity | $20,379,800 | 3,151 |
| Average total loans | $68,395,800 | 3,767 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4120% | 1,819 |
| Cost of funding earning assets | 1.0710% | 597 |
| Net interest margin | 3.3410% | 3,072 |
| Noninterest income to average assets | 0.1056% | 4,738 |
| Noninterest expense to average assets | 1.6034% | 4,726 |
| Loan and lease loss provision to assets | 0.0640% | 3,537 |
| Net operating income to assets | 1.3828% | 1,143 |
| Return on assets (ROA) | 1.3828% | 1,237 |
| Pretax return on assets | 1.6532% | 1,061 |
| Return on Equity (ROE) | 7.7289% | 2,910 |
| Retained earnings to average equity (ytd only) | 7.7289% | 1,403 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2857% | 4,591 |
| Assets per employee ($millions) | 7.2885% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 1,364 |
| Loan loss allowance to noncurrent loans | 77.9132% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.1259% | 922 |
| Noncurrent loans to loans | 1.9336% | 645 |
| Net loans and leases to total assets | 57.3523% | 3,485 |
| Net loans and leases to deposits | 78.7338% | 2,455 |
| Net loans and leases to core deposits | 88.5878% | 2,095 |
| Total domestic deposits to total assets | 72.8433% | 4,649 |
| Equity capital to assets | 18.0498% | 297 |
| Core capital (leverage) ratio | 17.1540% | 324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,423,000 | 3,842 |
| Average earning assets | $108,187,250 | 3,790 |
| Average equity | $20,114,500 | 3,172 |
| Average total loans | $69,073,500 | 3,764 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 2,018 |
| Cost of funding earning assets | 1.1274% | 657 |
| Net interest margin | 3.3372% | 3,286 |
| Noninterest income to average assets | 0.1027% | 4,772 |
| Noninterest expense to average assets | 1.5906% | 4,783 |
| Loan and lease loss provision to assets | 0.0649% | 3,480 |
| Net operating income to assets | 1.3817% | 1,151 |
| Return on assets (ROA) | 1.3817% | 1,244 |
| Pretax return on assets | 1.6573% | 1,085 |
| Return on Equity (ROE) | 7.7463% | 2,847 |
| Retained earnings to average equity (ytd only) | 7.7463% | 1,386 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0152% | 4,630 |
| Assets per employee ($millions) | 6.8713% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 1,518 |
| Loan loss allowance to noncurrent loans | 122.5610% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.7020% | 1,753 |
| Noncurrent loans to loans | 1.1585% | 1,360 |
| Net loans and leases to total assets | 59.7353% | 3,358 |
| Net loans and leases to deposits | 83.2236% | 2,074 |
| Net loans and leases to core deposits | 96.1235% | 1,574 |
| Total domestic deposits to total assets | 71.7769% | 4,722 |
| Equity capital to assets | 17.6848% | 324 |
| Core capital (leverage) ratio | 17.2430% | 327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,025,333 | 3,854 |
| Average earning assets | $106,795,667 | 3,791 |
| Average equity | $19,803,000 | 3,195 |
| Average total loans | $69,463,000 | 3,761 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5667% | 2,111 |
| Cost of funding earning assets | 1.1985% | 775 |
| Net interest margin | 3.3682% | 3,404 |
| Noninterest income to average assets | 0.1184% | 4,762 |
| Noninterest expense to average assets | 1.5500% | 4,886 |
| Loan and lease loss provision to assets | 0.0666% | 2,931 |
| Net operating income to assets | 1.4316% | 921 |
| Return on assets (ROA) | 1.4316% | 992 |
| Pretax return on assets | 1.7349% | 809 |
| Return on Equity (ROE) | 7.9895% | 2,525 |
| Retained earnings to average equity (ytd only) | 7.9895% | 1,238 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2472% | 4,820 |
| Assets per employee ($millions) | 6.8389% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 1,549 |
| Loan loss allowance to noncurrent loans | 112.8000% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.7996% | 1,697 |
| Noncurrent loans to loans | 1.2770% | 1,281 |
| Net loans and leases to total assets | 61.7165% | 3,333 |
| Net loans and leases to deposits | 88.8918% | 1,656 |
| Net loans and leases to core deposits | 104.5533% | 1,150 |
| Total domestic deposits to total assets | 69.4287% | 4,875 |
| Equity capital to assets | 17.7687% | 375 |
| Core capital (leverage) ratio | 18.0744% | 332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,132,000 | 3,869 |
| Average earning assets | $103,795,000 | 3,824 |
| Average equity | $19,375,500 | 3,227 |
| Average total loans | $68,803,000 | 3,786 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7609% | 2,163 |
| Cost of funding earning assets | 1.3166% | 739 |
| Net interest margin | 3.4443% | 3,608 |
| Noninterest income to average assets | 0.1246% | 4,841 |
| Noninterest expense to average assets | 1.8146% | 4,761 |
| Loan and lease loss provision to assets | 0.0646% | 2,735 |
| Net operating income to assets | 1.3063% | 1,663 |
| Return on assets (ROA) | 1.3439% | 1,607 |
| Pretax return on assets | 1.6066% | 1,472 |
| Return on Equity (ROE) | 8.1200% | 3,117 |
| Retained earnings to average equity (ytd only) | 7.5512% | 1,143 |
| Net charge-offs to loans | -0.0042% | 4,317 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7358% | 4,549 |
| Assets per employee ($millions) | 6.6776% | 1,191 |
| Cash dividends to net income (ytd only)* | 7.0047% | 3,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 1,513 |
| Loan loss allowance to noncurrent loans | 89.3911% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.0146% | 1,229 |
| Noncurrent loans to loans | 1.5690% | 902 |
| Net loans and leases to total assets | 63.7564% | 3,233 |
| Net loans and leases to deposits | 90.8761% | 1,493 |
| Net loans and leases to core deposits | 110.7826% | 813 |
| Total domestic deposits to total assets | 70.1575% | 4,928 |
| Equity capital to assets | 18.0717% | 364 |
| Core capital (leverage) ratio | 17.3019% | 385 |
| Tier 1 risk-based capital ratio | 19.9772% | 1,330 |
| Total risk-based capital ratio | 21.0213% | 1,331 |
| Memoranda: | ||
| Average total assets | $111,540,000 | 3,811 |
| Average earning assets | $107,395,200 | 3,752 |
| Average equity | $18,460,600 | 3,285 |
| Average total loans | $71,584,600 | 3,747 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7510% | 2,267 |
| Cost of funding earning assets | 1.3313% | 717 |
| Net interest margin | 3.4197% | 3,809 |
| Noninterest income to average assets | 0.1289% | 4,883 |
| Noninterest expense to average assets | 1.5662% | 5,031 |
| Loan and lease loss provision to assets | 0.0639% | 2,611 |
| Net operating income to assets | 1.4812% | 1,240 |
| Return on assets (ROA) | 1.5307% | 1,164 |
| Pretax return on assets | 1.8560% | 966 |
| Return on Equity (ROE) | 9.4543% | 2,692 |
| Retained earnings to average equity (ytd only) | 9.4543% | 909 |
| Net charge-offs to loans | -0.0055% | 4,230 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7182% | 4,946 |
| Assets per employee ($millions) | 7.3237% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 1,900 |
| Loan loss allowance to noncurrent loans | 289.9390% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 3,356 |
| Noncurrent loans to loans | 0.4537% | 2,948 |
| Net loans and leases to total assets | 64.9374% | 3,184 |
| Net loans and leases to deposits | 90.6949% | 1,606 |
| Net loans and leases to core deposits | 111.1134% | 894 |
| Total domestic deposits to total assets | 71.5998% | 4,937 |
| Equity capital to assets | 17.5140% | 434 |
| Core capital (leverage) ratio | 16.6522% | 481 |
| Tier 1 risk-based capital ratio | 19.2836% | 1,510 |
| Total risk-based capital ratio | 20.2782% | 1,531 |
| Memoranda: | ||
| Average total assets | $112,714,750 | 3,834 |
| Average earning assets | $108,661,500 | 3,775 |
| Average equity | $18,248,750 | 3,331 |
| Average total loans | $72,209,000 | 3,775 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7143% | 2,319 |
| Cost of funding earning assets | 1.3368% | 666 |
| Net interest margin | 3.3776% | 3,962 |
| Noninterest income to average assets | 0.1302% | 4,927 |
| Noninterest expense to average assets | 1.5624% | 5,083 |
| Loan and lease loss provision to assets | 0.0633% | 2,550 |
| Net operating income to assets | 1.4510% | 1,293 |
| Return on assets (ROA) | 1.5255% | 1,124 |
| Pretax return on assets | 1.8440% | 943 |
| Return on Equity (ROE) | 9.6772% | 2,545 |
| Retained earnings to average equity (ytd only) | 9.6772% | 853 |
| Net charge-offs to loans | -0.0055% | 4,152 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2259% | 4,979 |
| Assets per employee ($millions) | 6.7472% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 2,133 |
| Loan loss allowance to noncurrent loans | 284.1463% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 3,409 |
| Noncurrent loans to loans | 0.4475% | 2,928 |
| Net loans and leases to total assets | 63.0925% | 3,440 |
| Net loans and leases to deposits | 92.4099% | 1,441 |
| Net loans and leases to core deposits | 114.9736% | 729 |
| Total domestic deposits to total assets | 68.2746% | 5,097 |
| Equity capital to assets | 16.2707% | 571 |
| Core capital (leverage) ratio | 15.8773% | 564 |
| Tier 1 risk-based capital ratio | 18.5274% | 1,660 |
| Total risk-based capital ratio | 19.4861% | 1,704 |
| Memoranda: | ||
| Average total assets | $113,668,000 | 3,850 |
| Average earning assets | $109,369,000 | 3,785 |
| Average equity | $17,918,330 | 3,363 |
| Average total loans | $72,182,670 | 3,797 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6951% | 2,245 |
| Cost of funding earning assets | 1.2989% | 662 |
| Net interest margin | 3.3962% | 3,897 |
| Noninterest income to average assets | 0.1308% | 4,946 |
| Noninterest expense to average assets | 1.5272% | 5,149 |
| Loan and lease loss provision to assets | 0.0636% | 2,392 |
| Net operating income to assets | 1.4892% | 1,137 |
| Return on assets (ROA) | 1.5802% | 962 |
| Pretax return on assets | 1.9125% | 773 |
| Return on Equity (ROE) | 10.1904% | 2,279 |
| Retained earnings to average equity (ytd only) | 10.1904% | 988 |
| Net charge-offs to loans | -0.0056% | 4,055 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0000% | 5,068 |
| Assets per employee ($millions) | 7.4915% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,279 |
| Loan loss allowance to noncurrent loans | 612.7517% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 4,137 |
| Noncurrent loans to loans | 0.2054% | 3,849 |
| Net loans and leases to total assets | 63.7457% | 3,322 |
| Net loans and leases to deposits | 93.2430% | 1,252 |
| Net loans and leases to core deposits | 116.5333% | 633 |
| Total domestic deposits to total assets | 68.3652% | 5,162 |
| Equity capital to assets | 16.0332% | 566 |
| Core capital (leverage) ratio | 15.6178% | 580 |
| Tier 1 risk-based capital ratio | 18.4377% | 1,675 |
| Total risk-based capital ratio | 19.3946% | 1,715 |
| Memoranda: | ||
| Average total assets | $113,150,500 | 3,892 |
| Average earning assets | $108,709,000 | 3,836 |
| Average equity | $17,546,000 | 3,408 |
| Average total loans | $71,623,500 | 3,842 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 2,305 |
| Cost of funding earning assets | 1.1668% | 385 |
| Net interest margin | 3.3808% | 4,050 |
| Noninterest income to average assets | 0.1455% | 4,985 |
| Noninterest expense to average assets | 1.7122% | 5,080 |
| Loan and lease loss provision to assets | 0.0539% | 3,099 |
| Net operating income to assets | 1.3582% | 1,581 |
| Return on assets (ROA) | 1.3582% | 1,570 |
| Pretax return on assets | 1.6304% | 1,378 |
| Return on Equity (ROE) | 9.0587% | 2,967 |
| Retained earnings to average equity (ytd only) | 8.4296% | 1,073 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4099% | 4,914 |
| Assets per employee ($millions) | 7.1205% | 928 |
| Cash dividends to net income (ytd only)* | 6.9444% | 3,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,226 |
| Loan loss allowance to noncurrent loans | 596.0000% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 4,166 |
| Noncurrent loans to loans | 0.2122% | 3,817 |
| Net loans and leases to total assets | 61.2729% | 3,634 |
| Net loans and leases to deposits | 86.3392% | 2,233 |
| Net loans and leases to core deposits | 108.2732% | 1,104 |
| Total domestic deposits to total assets | 70.9676% | 5,122 |
| Equity capital to assets | 14.9875% | 713 |
| Core capital (leverage) ratio | 15.4900% | 600 |
| Tier 1 risk-based capital ratio | 17.9530% | 1,769 |
| Total risk-based capital ratio | 18.8891% | 1,815 |
| Memoranda: | ||
| Average total assets | $111,322,000 | 3,919 |
| Average earning assets | $107,046,000 | 3,856 |
| Average equity | $16,691,200 | 3,437 |
| Average total loans | $66,749,000 | 3,942 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5287% | 2,195 |
| Cost of funding earning assets | 1.1441% | 334 |
| Net interest margin | 3.3846% | 4,051 |
| Noninterest income to average assets | 0.1422% | 5,063 |
| Noninterest expense to average assets | 1.5300% | 5,255 |
| Loan and lease loss provision to assets | 0.0542% | 2,883 |
| Net operating income to assets | 1.5276% | 1,128 |
| Return on assets (ROA) | 1.5276% | 1,129 |
| Pretax return on assets | 1.8192% | 970 |
| Return on Equity (ROE) | 10.1874% | 2,540 |
| Retained earnings to average equity (ytd only) | 10.1874% | 863 |
| Net charge-offs to loans | 0.0020% | 3,419 |
| Credit loss provision to net charge-offs | 4,500.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 1,558.8571% | 44 |
| Efficiency ratio | 44.9558% | 5,188 |
| Assets per employee ($millions) | 6.4011% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 2,157 |
| Loan loss allowance to noncurrent loans | 573.8562% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 4,244 |
| Noncurrent loans to loans | 0.2243% | 3,903 |
| Net loans and leases to total assets | 61.8730% | 3,670 |
| Net loans and leases to deposits | 85.0618% | 2,465 |
| Net loans and leases to core deposits | 107.2340% | 1,213 |
| Total domestic deposits to total assets | 72.7389% | 5,079 |
| Equity capital to assets | 15.4579% | 627 |
| Core capital (leverage) ratio | 15.2448% | 645 |
| Tier 1 risk-based capital ratio | 18.4337% | 1,686 |
| Total risk-based capital ratio | 19.3854% | 1,709 |
| Memoranda: | ||
| Average total assets | $110,670,500 | 3,974 |
| Average earning assets | $106,635,750 | 3,905 |
| Average equity | $16,595,250 | 3,470 |
| Average total loans | $65,761,000 | 4,003 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 2,150 |
| Cost of funding earning assets | 1.0873% | 308 |
| Net interest margin | 3.3960% | 3,964 |
| Noninterest income to average assets | 0.1438% | 5,100 |
| Noninterest expense to average assets | 1.4898% | 5,346 |
| Loan and lease loss provision to assets | 0.0539% | 2,835 |
| Net operating income to assets | 1.5743% | 979 |
| Return on assets (ROA) | 1.5743% | 981 |
| Pretax return on assets | 1.8726% | 831 |
| Return on Equity (ROE) | 10.6053% | 2,277 |
| Retained earnings to average equity (ytd only) | 10.6053% | 763 |
| Net charge-offs to loans | -0.0062% | 4,159 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6086% | 5,295 |
| Assets per employee ($millions) | 6.6855% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 2,208 |
| Loan loss allowance to noncurrent loans | 555.1282% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 4,302 |
| Noncurrent loans to loans | 0.2327% | 3,877 |
| Net loans and leases to total assets | 58.2135% | 3,972 |
| Net loans and leases to deposits | 79.9744% | 2,957 |
| Net loans and leases to core deposits | 104.3779% | 1,367 |
| Total domestic deposits to total assets | 72.7902% | 5,131 |
| Equity capital to assets | 14.6532% | 769 |
| Core capital (leverage) ratio | 14.7944% | 717 |
| Tier 1 risk-based capital ratio | 17.8616% | 1,839 |
| Total risk-based capital ratio | 18.7927% | 1,885 |
| Memoranda: | ||
| Average total assets | $111,288,000 | 3,999 |
| Average earning assets | $107,243,000 | 3,926 |
| Average equity | $16,520,000 | 3,496 |
| Average total loans | $64,945,670 | 4,049 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4221% | 2,123 |
| Cost of funding earning assets | 0.9839% | 398 |
| Net interest margin | 3.4382% | 3,743 |
| Noninterest income to average assets | 0.1417% | 5,160 |
| Noninterest expense to average assets | 1.4532% | 5,425 |
| Loan and lease loss provision to assets | 0.0545% | 2,676 |
| Net operating income to assets | 1.6312% | 797 |
| Return on assets (ROA) | 1.6312% | 798 |
| Pretax return on assets | 1.9472% | 646 |
| Return on Equity (ROE) | 10.9159% | 2,004 |
| Retained earnings to average equity (ytd only) | 10.9159% | 913 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0610% | 5,397 |
| Assets per employee ($millions) | 7.3195% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 2,188 |
| Loan loss allowance to noncurrent loans | 527.3292% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 4,350 |
| Noncurrent loans to loans | 0.2488% | 3,867 |
| Net loans and leases to total assets | 58.1645% | 3,923 |
| Net loans and leases to deposits | 81.6186% | 2,629 |
| Net loans and leases to core deposits | 102.3808% | 1,493 |
| Total domestic deposits to total assets | 71.2638% | 5,322 |
| Equity capital to assets | 14.9847% | 677 |
| Core capital (leverage) ratio | 14.9608% | 665 |
| Tier 1 risk-based capital ratio | 17.7677% | 1,901 |
| Total risk-based capital ratio | 18.7599% | 1,928 |
| Memoranda: | ||
| Average total assets | $110,105,000 | 4,063 |
| Average earning assets | $106,103,500 | 3,988 |
| Average equity | $16,453,000 | 3,538 |
| Average total loans | $63,904,500 | 4,104 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3050% | 2,310 |
| Cost of funding earning assets | 0.8943% | 386 |
| Net interest margin | 3.4107% | 3,815 |
| Noninterest income to average assets | 0.1670% | 5,121 |
| Noninterest expense to average assets | 1.7223% | 5,309 |
| Loan and lease loss provision to assets | 0.0560% | 3,111 |
| Net operating income to assets | 1.3447% | 1,127 |
| Return on assets (ROA) | 1.3454% | 1,150 |
| Pretax return on assets | 1.6776% | 1,067 |
| Return on Equity (ROE) | 9.0925% | 2,274 |
| Retained earnings to average equity (ytd only) | 8.4746% | 628 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8515% | 5,224 |
| Assets per employee ($millions) | 6.9011% | 1,011 |
| Cash dividends to net income (ytd only)* | 6.7961% | 4,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 2,107 |
| Loan loss allowance to noncurrent loans | 502.4096% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1503% | 4,387 |
| Noncurrent loans to loans | 0.2631% | 3,843 |
| Net loans and leases to total assets | 56.3912% | 4,151 |
| Net loans and leases to deposits | 76.3438% | 3,296 |
| Net loans and leases to core deposits | 93.7035% | 2,221 |
| Total domestic deposits to total assets | 73.8648% | 5,195 |
| Equity capital to assets | 14.9016% | 698 |
| Core capital (leverage) ratio | 14.6182% | 707 |
| Tier 1 risk-based capital ratio | 17.5764% | 1,929 |
| Total risk-based capital ratio | 18.5681% | 1,945 |
| Memoranda: | ||
| Average total assets | $107,179,400 | 4,112 |
| Average earning assets | $103,321,200 | 4,037 |
| Average equity | $15,859,200 | 3,615 |
| Average total loans | $58,828,800 | 4,229 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2883% | 2,302 |
| Cost of funding earning assets | 0.8815% | 389 |
| Net interest margin | 3.4067% | 3,827 |
| Noninterest income to average assets | 0.1504% | 5,258 |
| Noninterest expense to average assets | 1.5580% | 5,483 |
| Loan and lease loss provision to assets | 0.0564% | 2,962 |
| Net operating income to assets | 1.4142% | 1,058 |
| Return on assets (ROA) | 1.4152% | 1,086 |
| Pretax return on assets | 1.8263% | 836 |
| Return on Equity (ROE) | 9.5815% | 2,311 |
| Retained earnings to average equity (ytd only) | 9.5815% | 688 |
| Net charge-offs to loans | 0.0023% | 3,678 |
| Credit loss provision to net charge-offs | 4,500.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 1,504.7218% | 59 |
| Efficiency ratio | 45.2988% | 5,438 |
| Assets per employee ($millions) | 7.3520% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 2,148 |
| Loan loss allowance to noncurrent loans | 456.9832% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 4,462 |
| Noncurrent loans to loans | 0.2940% | 3,887 |
| Net loans and leases to total assets | 54.4632% | 4,378 |
| Net loans and leases to deposits | 68.7303% | 4,063 |
| Net loans and leases to core deposits | 86.0573% | 2,959 |
| Total domestic deposits to total assets | 79.2419% | 4,488 |
| Equity capital to assets | 14.8549% | 762 |
| Core capital (leverage) ratio | 14.5258% | 761 |
| Tier 1 risk-based capital ratio | 17.5586% | 1,993 |
| Total risk-based capital ratio | 18.5472% | 2,019 |
| Memoranda: | ||
| Average total assets | $106,369,750 | 4,172 |
| Average earning assets | $102,696,250 | 4,097 |
| Average equity | $15,710,500 | 3,669 |
| Average total loans | $57,761,000 | 4,291 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2949% | 2,148 |
| Cost of funding earning assets | 0.8606% | 383 |
| Net interest margin | 3.4344% | 3,650 |
| Noninterest income to average assets | 0.1542% | 5,289 |
| Noninterest expense to average assets | 1.5552% | 5,530 |
| Loan and lease loss provision to assets | 0.0571% | 2,831 |
| Net operating income to assets | 1.4376% | 982 |
| Return on assets (ROA) | 1.4391% | 1,007 |
| Pretax return on assets | 1.8560% | 732 |
| Return on Equity (ROE) | 9.7632% | 2,143 |
| Retained earnings to average equity (ytd only) | 9.7632% | 629 |
| Net charge-offs to loans | -0.0071% | 4,428 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8655% | 5,496 |
| Assets per employee ($millions) | 6.2776% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 1,947 |
| Loan loss allowance to noncurrent loans | 471.3450% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 4,539 |
| Noncurrent loans to loans | 0.2972% | 3,978 |
| Net loans and leases to total assets | 53.1545% | 4,472 |
| Net loans and leases to deposits | 67.4370% | 4,116 |
| Net loans and leases to core deposits | 84.4765% | 3,018 |
| Total domestic deposits to total assets | 78.8210% | 4,657 |
| Equity capital to assets | 15.0564% | 695 |
| Core capital (leverage) ratio | 14.6148% | 715 |
| Tier 1 risk-based capital ratio | 17.6936% | 1,949 |
| Total risk-based capital ratio | 18.6348% | 2,001 |
| Memoranda: | ||
| Average total assets | $105,066,330 | 4,223 |
| Average earning assets | $101,328,330 | 4,143 |
| Average equity | $15,486,670 | 3,702 |
| Average total loans | $56,721,330 | 4,340 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2794% | 2,015 |
| Cost of funding earning assets | 0.8113% | 453 |
| Net interest margin | 3.4680% | 3,395 |
| Noninterest income to average assets | 0.1573% | 5,333 |
| Noninterest expense to average assets | 1.5272% | 5,618 |
| Loan and lease loss provision to assets | 0.0576% | 2,652 |
| Net operating income to assets | 1.4812% | 849 |
| Return on assets (ROA) | 1.4812% | 873 |
| Pretax return on assets | 1.9186% | 599 |
| Return on Equity (ROE) | 10.1606% | 1,900 |
| Retained earnings to average equity (ytd only) | 10.1606% | 779 |
| Net charge-offs to loans | -0.0071% | 4,290 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5926% | 5,607 |
| Assets per employee ($millions) | 6.9439% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 2,080 |
| Loan loss allowance to noncurrent loans | 441.3408% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 4,557 |
| Noncurrent loans to loans | 0.3169% | 3,989 |
| Net loans and leases to total assets | 53.4683% | 4,383 |
| Net loans and leases to deposits | 67.7856% | 4,010 |
| Net loans and leases to core deposits | 83.5313% | 2,941 |
| Total domestic deposits to total assets | 78.8784% | 4,843 |
| Equity capital to assets | 14.8542% | 683 |
| Core capital (leverage) ratio | 14.2926% | 767 |
| Tier 1 risk-based capital ratio | 17.5879% | 2,007 |
| Total risk-based capital ratio | 18.5280% | 2,050 |
| Memoranda: | ||
| Average total assets | $104,240,000 | 4,278 |
| Average earning assets | $100,575,500 | 4,196 |
| Average equity | $15,196,000 | 3,758 |
| Average total loans | $56,316,000 | 4,392 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3169% | 2,093 |
| Cost of funding earning assets | 0.8011% | 505 |
| Net interest margin | 3.5158% | 3,369 |
| Noninterest income to average assets | 0.1806% | 5,320 |
| Noninterest expense to average assets | 1.7138% | 5,550 |
| Loan and lease loss provision to assets | 0.0346% | 3,669 |
| Net operating income to assets | 1.4556% | 909 |
| Return on assets (ROA) | 1.5293% | 809 |
| Pretax return on assets | 1.9097% | 609 |
| Return on Equity (ROE) | 10.6189% | 1,724 |
| Retained earnings to average equity (ytd only) | 9.9652% | 412 |
| Net charge-offs to loans | -0.0019% | 4,695 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0603% | 5,572 |
| Assets per employee ($millions) | 6.5201% | 1,144 |
| Cash dividends to net income (ytd only)* | 6.1558% | 4,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 2,171 |
| Loan loss allowance to noncurrent loans | 318.5185% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 4,376 |
| Noncurrent loans to loans | 0.4328% | 3,590 |
| Net loans and leases to total assets | 53.0823% | 4,516 |
| Net loans and leases to deposits | 74.9489% | 3,421 |
| Net loans and leases to core deposits | 84.1389% | 3,009 |
| Total domestic deposits to total assets | 70.8247% | 5,621 |
| Equity capital to assets | 14.3020% | 796 |
| Core capital (leverage) ratio | 14.0243% | 811 |
| Tier 1 risk-based capital ratio | 17.1100% | 2,123 |
| Total risk-based capital ratio | 18.0301% | 2,187 |
| Memoranda: | ||
| Average total assets | $104,097,600 | 4,284 |
| Average earning assets | $100,234,200 | 4,200 |
| Average equity | $14,992,200 | 3,811 |
| Average total loans | $51,991,400 | 4,518 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 2,106 |
| Cost of funding earning assets | 0.7995% | 507 |
| Net interest margin | 3.5201% | 3,392 |
| Noninterest income to average assets | 0.1666% | 5,431 |
| Noninterest expense to average assets | 1.5083% | 5,749 |
| Loan and lease loss provision to assets | 0.0269% | 3,703 |
| Net operating income to assets | 1.5467% | 804 |
| Return on assets (ROA) | 1.6365% | 713 |
| Pretax return on assets | 2.1388% | 433 |
| Return on Equity (ROE) | 11.3430% | 1,540 |
| Retained earnings to average equity (ytd only) | 11.3430% | 381 |
| Net charge-offs to loans | -0.0157% | 4,928 |
| Credit loss provision to net charge-offs | -350.0000% | 4,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3991% | 5,776 |
| Assets per employee ($millions) | 6.5246% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 2,062 |
| Loan loss allowance to noncurrent loans | 321.0084% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 4,533 |
| Noncurrent loans to loans | 0.4457% | 3,683 |
| Net loans and leases to total assets | 50.4162% | 4,794 |
| Net loans and leases to deposits | 65.3241% | 4,397 |
| Net loans and leases to core deposits | 75.8864% | 3,850 |
| Total domestic deposits to total assets | 77.1785% | 5,050 |
| Equity capital to assets | 15.0891% | 716 |
| Core capital (leverage) ratio | 13.8929% | 883 |
| Tier 1 risk-based capital ratio | 17.3740% | 2,110 |
| Total risk-based capital ratio | 18.3103% | 2,164 |
| Memoranda: | ||
| Average total assets | $104,041,750 | 4,319 |
| Average earning assets | $100,222,750 | 4,230 |
| Average equity | $15,010,250 | 3,832 |
| Average total loans | $50,951,750 | 4,587 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3358% | 2,030 |
| Cost of funding earning assets | 0.7956% | 506 |
| Net interest margin | 3.5402% | 3,326 |
| Noninterest income to average assets | 0.1597% | 5,520 |
| Noninterest expense to average assets | 1.4703% | 5,857 |
| Loan and lease loss provision to assets | 0.0231% | 3,666 |
| Net operating income to assets | 1.5838% | 752 |
| Return on assets (ROA) | 1.6570% | 675 |
| Pretax return on assets | 2.1708% | 402 |
| Return on Equity (ROE) | 11.6643% | 1,423 |
| Retained earnings to average equity (ytd only) | 11.6643% | 369 |
| Net charge-offs to loans | -0.0199% | 4,951 |
| Credit loss provision to net charge-offs | -240.0000% | 4,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2082% | 5,885 |
| Assets per employee ($millions) | 6.1959% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 2,114 |
| Loan loss allowance to noncurrent loans | 315.4812% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.2269% | 4,588 |
| Noncurrent loans to loans | 0.4558% | 3,738 |
| Net loans and leases to total assets | 49.0620% | 4,906 |
| Net loans and leases to deposits | 62.4752% | 4,619 |
| Net loans and leases to core deposits | 73.8243% | 3,999 |
| Total domestic deposits to total assets | 78.5303% | 4,891 |
| Equity capital to assets | 14.7527% | 802 |
| Core capital (leverage) ratio | 13.5199% | 970 |
| Tier 1 risk-based capital ratio | 16.9795% | 2,231 |
| Total risk-based capital ratio | 17.9098% | 2,319 |
| Memoranda: | ||
| Average total assets | $103,924,670 | 4,353 |
| Average earning assets | $100,051,670 | 4,266 |
| Average equity | $14,763,000 | 3,892 |
| Average total loans | $50,137,330 | 4,640 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2397% | 2,332 |
| Cost of funding earning assets | 0.7899% | 513 |
| Net interest margin | 3.4498% | 3,666 |
| Noninterest income to average assets | 0.1589% | 5,539 |
| Noninterest expense to average assets | 1.4416% | 5,944 |
| Loan and lease loss provision to assets | 0.0233% | 3,380 |
| Net operating income to assets | 1.5621% | 766 |
| Return on assets (ROA) | 1.5772% | 773 |
| Pretax return on assets | 2.0306% | 531 |
| Return on Equity (ROE) | 11.3252% | 1,495 |
| Retained earnings to average equity (ytd only) | 11.3252% | 597 |
| Net charge-offs to loans | -0.0245% | 4,973 |
| Credit loss provision to net charge-offs | -200.0000% | 4,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4716% | 5,935 |
| Assets per employee ($millions) | 8.0202% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 2,062 |
| Loan loss allowance to noncurrent loans | 310.8333% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 4,637 |
| Noncurrent loans to loans | 0.4771% | 3,751 |
| Net loans and leases to total assets | 47.5327% | 5,003 |
| Net loans and leases to deposits | 59.9190% | 4,722 |
| Net loans and leases to core deposits | 71.0513% | 4,151 |
| Total domestic deposits to total assets | 79.3282% | 4,892 |
| Equity capital to assets | 14.0970% | 946 |
| Core capital (leverage) ratio | 13.4040% | 1,018 |
| Tier 1 risk-based capital ratio | 17.0452% | 2,273 |
| Total risk-based capital ratio | 18.0007% | 2,322 |
| Memoranda: | ||
| Average total assets | $103,222,000 | 4,404 |
| Average earning assets | $99,251,500 | 4,314 |
| Average equity | $14,375,000 | 3,955 |
| Average total loans | $48,990,500 | 4,707 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2724% | 2,304 |
| Cost of funding earning assets | 0.8185% | 443 |
| Net interest margin | 3.4539% | 3,704 |
| Noninterest income to average assets | 0.2010% | 5,385 |
| Noninterest expense to average assets | 1.7079% | 5,834 |
| Loan and lease loss provision to assets | 0.0237% | 3,911 |
| Net operating income to assets | 1.5028% | 862 |
| Return on assets (ROA) | 1.4783% | 930 |
| Pretax return on assets | 1.7710% | 848 |
| Return on Equity (ROE) | 11.3261% | 1,494 |
| Retained earnings to average equity (ytd only) | 10.6465% | 383 |
| Net charge-offs to loans | 0.0241% | 3,772 |
| Credit loss provision to net charge-offs | 218.1818% | 1,299 |
| Earnings coverage of net charge-offs (x) | 168.2727% | 387 |
| Efficiency ratio | 48.3538% | 5,829 |
| Assets per employee ($millions) | 6.3863% | 1,146 |
| Cash dividends to net income (ytd only)* | 6.0000% | 4,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 1,816 |
| Loan loss allowance to noncurrent loans | 307.0833% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2349% | 4,653 |
| Noncurrent loans to loans | 0.5034% | 3,674 |
| Net loans and leases to total assets | 45.9371% | 5,163 |
| Net loans and leases to deposits | 58.7016% | 4,868 |
| Net loans and leases to core deposits | 70.0436% | 4,298 |
| Total domestic deposits to total assets | 78.2553% | 5,112 |
| Equity capital to assets | 13.7521% | 1,019 |
| Core capital (leverage) ratio | 12.6839% | 1,272 |
| Tier 1 risk-based capital ratio | 17.5093% | 2,120 |
| Total risk-based capital ratio | 18.5097% | 2,154 |
| Memoranda: | ||
| Average total assets | $101,468,000 | 4,436 |
| Average earning assets | $97,861,800 | 4,339 |
| Average equity | $13,243,800 | 4,088 |
| Average total loans | $45,728,800 | 4,808 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2617% | 2,358 |
| Cost of funding earning assets | 0.8180% | 445 |
| Net interest margin | 3.4437% | 3,776 |
| Noninterest income to average assets | 0.1672% | 5,644 |
| Noninterest expense to average assets | 1.5085% | 6,043 |
| Loan and lease loss provision to assets | 0.0237% | 3,803 |
| Net operating income to assets | 1.5735% | 816 |
| Return on assets (ROA) | 1.5862% | 833 |
| Pretax return on assets | 1.9811% | 620 |
| Return on Equity (ROE) | 12.3191% | 1,292 |
| Retained earnings to average equity (ytd only) | 12.3191% | 332 |
| Net charge-offs to loans | -0.0265% | 5,303 |
| Credit loss provision to net charge-offs | -200.0000% | 5,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1314% | 6,058 |
| Assets per employee ($millions) | 6.4397% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6077% | 1,765 |
| Loan loss allowance to noncurrent loans | 247.0395% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 4,584 |
| Noncurrent loans to loans | 0.6508% | 3,376 |
| Net loans and leases to total assets | 44.6072% | 5,318 |
| Net loans and leases to deposits | 57.9993% | 5,004 |
| Net loans and leases to core deposits | 69.0572% | 4,453 |
| Total domestic deposits to total assets | 76.9098% | 5,356 |
| Equity capital to assets | 13.1984% | 1,350 |
| Core capital (leverage) ratio | 12.7365% | 1,302 |
| Tier 1 risk-based capital ratio | 17.4485% | 2,206 |
| Total risk-based capital ratio | 18.4807% | 2,234 |
| Memoranda: | ||
| Average total assets | $101,289,750 | 4,486 |
| Average earning assets | $97,954,750 | 4,385 |
| Average equity | $13,041,750 | 4,174 |
| Average total loans | $45,242,000 | 4,871 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 2,285 |
| Cost of funding earning assets | 0.8289% | 431 |
| Net interest margin | 3.4409% | 3,754 |
| Noninterest income to average assets | 0.1609% | 5,743 |
| Noninterest expense to average assets | 1.5192% | 6,104 |
| Loan and lease loss provision to assets | 0.0238% | 3,658 |
| Net operating income to assets | 1.5657% | 801 |
| Return on assets (ROA) | 1.5848% | 800 |
| Pretax return on assets | 1.9720% | 629 |
| Return on Equity (ROE) | 12.4144% | 1,255 |
| Retained earnings to average equity (ytd only) | 12.4144% | 359 |
| Net charge-offs to loans | -0.0313% | 5,349 |
| Credit loss provision to net charge-offs | -171.4286% | 5,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5154% | 6,133 |
| Assets per employee ($millions) | 5.8322% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 1,755 |
| Loan loss allowance to noncurrent loans | 244.4079% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.3066% | 4,652 |
| Noncurrent loans to loans | 0.6737% | 3,460 |
| Net loans and leases to total assets | 44.7659% | 5,329 |
| Net loans and leases to deposits | 56.8960% | 5,068 |
| Net loans and leases to core deposits | 67.9361% | 4,500 |
| Total domestic deposits to total assets | 78.6801% | 5,161 |
| Equity capital to assets | 12.9242% | 1,441 |
| Core capital (leverage) ratio | 12.4321% | 1,412 |
| Tier 1 risk-based capital ratio | 17.3680% | 2,261 |
| Total risk-based capital ratio | 18.4181% | 2,290 |
| Memoranda: | ||
| Average total assets | $100,708,000 | 4,538 |
| Average earning assets | $97,475,670 | 4,431 |
| Average equity | $12,856,000 | 4,231 |
| Average total loans | $44,752,000 | 4,923 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1329% | 2,701 |
| Cost of funding earning assets | 0.8241% | 440 |
| Net interest margin | 3.3088% | 4,178 |
| Noninterest income to average assets | 0.1616% | 5,771 |
| Noninterest expense to average assets | 1.4938% | 6,182 |
| Loan and lease loss provision to assets | 0.0236% | 3,399 |
| Net operating income to assets | 1.4949% | 857 |
| Return on assets (ROA) | 1.5332% | 841 |
| Pretax return on assets | 1.8879% | 733 |
| Return on Equity (ROE) | 12.0836% | 1,325 |
| Retained earnings to average equity (ytd only) | 12.0836% | 560 |
| Net charge-offs to loans | -0.0628% | 5,637 |
| Credit loss provision to net charge-offs | -85.7143% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4836% | 6,164 |
| Assets per employee ($millions) | 6.3777% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6473% | 1,892 |
| Loan loss allowance to noncurrent loans | 112.8637% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.6399% | 3,578 |
| Noncurrent loans to loans | 1.4596% | 1,949 |
| Net loans and leases to total assets | 43.1210% | 5,416 |
| Net loans and leases to deposits | 55.1113% | 5,115 |
| Net loans and leases to core deposits | 65.7512% | 4,542 |
| Total domestic deposits to total assets | 78.2435% | 5,405 |
| Equity capital to assets | 12.9798% | 1,415 |
| Core capital (leverage) ratio | 11.9594% | 1,664 |
| Tier 1 risk-based capital ratio | 16.9176% | 2,511 |
| Total risk-based capital ratio | 17.9672% | 2,539 |
| Memoranda: | ||
| Average total assets | $101,488,500 | 4,565 |
| Average earning assets | $98,041,500 | 4,454 |
| Average equity | $12,877,000 | 4,258 |
| Average total loans | $44,564,500 | 4,966 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3080% | 2,580 |
| Cost of funding earning assets | 0.9406% | 308 |
| Net interest margin | 3.3674% | 4,340 |
| Noninterest income to average assets | 0.2253% | 5,514 |
| Noninterest expense to average assets | 1.8195% | 6,045 |
| Loan and lease loss provision to assets | 0.0250% | 4,102 |
| Net operating income to assets | 1.3576% | 1,170 |
| Return on assets (ROA) | 1.3771% | 1,167 |
| Pretax return on assets | 1.6233% | 1,166 |
| Return on Equity (ROE) | 11.8087% | 1,464 |
| Retained earnings to average equity (ytd only) | 11.0036% | 380 |
| Net charge-offs to loans | -0.0524% | 5,944 |
| Credit loss provision to net charge-offs | -109.0909% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8165% | 5,926 |
| Assets per employee ($millions) | 5.9373% | 1,424 |
| Cash dividends to net income (ytd only)* | 6.8182% | 4,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6310% | 1,989 |
| Loan loss allowance to noncurrent loans | 126.1324% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.5687% | 3,899 |
| Noncurrent loans to loans | 1.2931% | 2,289 |
| Net loans and leases to total assets | 43.2619% | 5,516 |
| Net loans and leases to deposits | 56.3549% | 5,161 |
| Net loans and leases to core deposits | 68.1589% | 4,489 |
| Total domestic deposits to total assets | 76.7670% | 5,635 |
| Equity capital to assets | 12.3932% | 1,709 |
| Core capital (leverage) ratio | 11.7413% | 1,800 |
| Tier 1 risk-based capital ratio | 16.4833% | 2,720 |
| Total risk-based capital ratio | 17.5219% | 2,770 |
| Memoranda: | ||
| Average total assets | $95,852,800 | 4,696 |
| Average earning assets | $91,642,800 | 4,611 |
| Average equity | $11,178,200 | 4,528 |
| Average total loans | $42,024,600 | 5,107 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2901% | 2,675 |
| Cost of funding earning assets | 0.9588% | 292 |
| Net interest margin | 3.3314% | 4,503 |
| Noninterest income to average assets | 0.2382% | 5,499 |
| Noninterest expense to average assets | 1.5112% | 6,348 |
| Loan and lease loss provision to assets | 0.0254% | 3,901 |
| Net operating income to assets | 1.5161% | 910 |
| Return on assets (ROA) | 1.5253% | 927 |
| Pretax return on assets | 1.8918% | 733 |
| Return on Equity (ROE) | 13.3016% | 1,137 |
| Retained earnings to average equity (ytd only) | 13.3016% | 295 |
| Net charge-offs to loans | 0.0579% | 3,389 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 75.1092% | 737 |
| Efficiency ratio | 44.2244% | 6,358 |
| Assets per employee ($millions) | 6.4761% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 2,262 |
| Loan loss allowance to noncurrent loans | 77.3090% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 0.9604% | 3,046 |
| Noncurrent loans to loans | 2.0851% | 1,505 |
| Net loans and leases to total assets | 42.6005% | 5,630 |
| Net loans and leases to deposits | 52.7347% | 5,483 |
| Net loans and leases to core deposits | 63.1175% | 4,956 |
| Total domestic deposits to total assets | 80.7828% | 4,884 |
| Equity capital to assets | 12.4879% | 1,708 |
| Core capital (leverage) ratio | 11.8579% | 1,786 |
| Tier 1 risk-based capital ratio | 16.9484% | 2,636 |
| Total risk-based capital ratio | 17.9616% | 2,675 |
| Memoranda: | ||
| Average total assets | $94,582,500 | 4,780 |
| Average earning assets | $90,251,250 | 4,698 |
| Average equity | $10,845,500 | 4,623 |
| Average total loans | $41,433,250 | 5,174 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3256% | 2,498 |
| Cost of funding earning assets | 0.9699% | 294 |
| Net interest margin | 3.3556% | 4,376 |
| Noninterest income to average assets | 0.2390% | 5,485 |
| Noninterest expense to average assets | 1.4958% | 6,425 |
| Loan and lease loss provision to assets | 0.0256% | 3,766 |
| Net operating income to assets | 1.5186% | 839 |
| Return on assets (ROA) | 1.5321% | 861 |
| Pretax return on assets | 1.9311% | 644 |
| Return on Equity (ROE) | 13.7852% | 996 |
| Retained earnings to average equity (ytd only) | 13.7852% | 276 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5404% | 6,440 |
| Assets per employee ($millions) | 5.6455% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 2,086 |
| Loan loss allowance to noncurrent loans | 100.5831% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.7731% | 3,656 |
| Noncurrent loans to loans | 1.7054% | 2,028 |
| Net loans and leases to total assets | 41.1939% | 5,730 |
| Net loans and leases to deposits | 50.5711% | 5,597 |
| Net loans and leases to core deposits | 60.5603% | 5,097 |
| Total domestic deposits to total assets | 81.4573% | 4,822 |
| Equity capital to assets | 11.9419% | 2,027 |
| Core capital (leverage) ratio | 11.8306% | 1,769 |
| Tier 1 risk-based capital ratio | 17.3373% | 2,480 |
| Total risk-based capital ratio | 18.4270% | 2,509 |
| Memoranda: | ||
| Average total assets | $93,729,330 | 4,830 |
| Average earning assets | $89,283,000 | 4,743 |
| Average equity | $10,417,000 | 4,725 |
| Average total loans | $41,224,000 | 5,221 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4216% | 2,058 |
| Cost of funding earning assets | 0.9790% | 300 |
| Net interest margin | 3.4426% | 3,930 |
| Noninterest income to average assets | 0.2505% | 5,362 |
| Noninterest expense to average assets | 1.4297% | 6,542 |
| Loan and lease loss provision to assets | 0.0259% | 3,496 |
| Net operating income to assets | 1.5971% | 671 |
| Return on assets (ROA) | 1.6241% | 672 |
| Pretax return on assets | 2.0949% | 432 |
| Return on Equity (ROE) | 15.1996% | 753 |
| Retained earnings to average equity (ytd only) | 15.1996% | 312 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6634% | 6,581 |
| Assets per employee ($millions) | 6.1283% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 2,395 |
| Loan loss allowance to noncurrent loans | 127.6119% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.6440% | 4,206 |
| Noncurrent loans to loans | 1.3226% | 2,821 |
| Net loans and leases to total assets | 43.3419% | 5,566 |
| Net loans and leases to deposits | 53.4548% | 5,332 |
| Net loans and leases to core deposits | 65.3480% | 4,568 |
| Total domestic deposits to total assets | 81.0813% | 5,206 |
| Equity capital to assets | 11.3745% | 2,356 |
| Core capital (leverage) ratio | 11.5088% | 1,960 |
| Tier 1 risk-based capital ratio | 16.9425% | 2,720 |
| Total risk-based capital ratio | 18.0321% | 2,744 |
| Memoranda: | ||
| Average total assets | $92,607,500 | 4,901 |
| Average earning assets | $87,841,500 | 4,825 |
| Average equity | $9,895,000 | 4,843 |
| Average total loans | $41,723,500 | 5,251 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4346% | 2,452 |
| Cost of funding earning assets | 1.0493% | 357 |
| Net interest margin | 3.3853% | 4,336 |
| Noninterest income to average assets | 0.2733% | 5,400 |
| Noninterest expense to average assets | 1.7648% | 6,378 |
| Loan and lease loss provision to assets | 0.0278% | 4,563 |
| Net operating income to assets | 1.4211% | 982 |
| Return on assets (ROA) | 1.4163% | 1,027 |
| Pretax return on assets | 1.6953% | 964 |
| Return on Equity (ROE) | 12.5932% | 1,256 |
| Retained earnings to average equity (ytd only) | 11.6665% | 352 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5138% | 6,380 |
| Assets per employee ($millions) | 6.6636% | 914 |
| Cash dividends to net income (ytd only)* | 7.3590% | 4,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 2,845 |
| Loan loss allowance to noncurrent loans | 126.7290% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 4,513 |
| Noncurrent loans to loans | 1.2465% | 3,048 |
| Net loans and leases to total assets | 45.2814% | 5,553 |
| Net loans and leases to deposits | 57.9552% | 5,128 |
| Net loans and leases to core deposits | 70.8027% | 4,211 |
| Total domestic deposits to total assets | 78.1316% | 5,811 |
| Equity capital to assets | 10.0054% | 3,764 |
| Core capital (leverage) ratio | 11.3727% | 2,053 |
| Tier 1 risk-based capital ratio | 15.4810% | 3,386 |
| Total risk-based capital ratio | 16.5040% | 3,461 |
| Memoranda: | ||
| Average total assets | $86,354,200 | 5,072 |
| Average earning assets | $82,149,800 | 4,978 |
| Average equity | $9,711,600 | 4,917 |
| Average total loans | $39,428,400 | 5,370 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4662% | 2,361 |
| Cost of funding earning assets | 1.0662% | 364 |
| Net interest margin | 3.4000% | 4,288 |
| Noninterest income to average assets | 0.2694% | 5,525 |
| Noninterest expense to average assets | 1.6103% | 6,546 |
| Loan and lease loss provision to assets | 0.0284% | 4,444 |
| Net operating income to assets | 1.5111% | 875 |
| Return on assets (ROA) | 1.5047% | 933 |
| Pretax return on assets | 1.8687% | 761 |
| Return on Equity (ROE) | 12.9849% | 1,237 |
| Retained earnings to average equity (ytd only) | 12.9849% | 335 |
| Net charge-offs to loans | 0.0277% | 4,569 |
| Credit loss provision to net charge-offs | 225.0000% | 1,083 |
| Earnings coverage of net charge-offs (x) | 151.0740% | 367 |
| Efficiency ratio | 45.8091% | 6,594 |
| Assets per employee ($millions) | 5.8593% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7012% | 2,616 |
| Loan loss allowance to noncurrent loans | 123.1911% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.6133% | 4,598 |
| Noncurrent loans to loans | 1.3809% | 3,105 |
| Net loans and leases to total assets | 43.6546% | 5,755 |
| Net loans and leases to deposits | 53.0942% | 5,623 |
| Net loans and leases to core deposits | 62.6641% | 5,047 |
| Total domestic deposits to total assets | 82.2210% | 4,854 |
| Equity capital to assets | 10.7202% | 3,045 |
| Core capital (leverage) ratio | 11.7149% | 1,881 |
| Tier 1 risk-based capital ratio | 16.5116% | 2,927 |
| Total risk-based capital ratio | 17.5991% | 2,982 |
| Memoranda: | ||
| Average total assets | $84,620,250 | 5,172 |
| Average earning assets | $80,781,750 | 5,068 |
| Average equity | $9,806,000 | 4,951 |
| Average total loans | $38,555,250 | 5,457 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 1,951 |
| Cost of funding earning assets | 1.0150% | 509 |
| Net interest margin | 3.5549% | 3,543 |
| Noninterest income to average assets | 0.2634% | 5,571 |
| Noninterest expense to average assets | 1.6162% | 6,578 |
| Loan and lease loss provision to assets | 0.0287% | 4,354 |
| Net operating income to assets | 1.6109% | 733 |
| Return on assets (ROA) | 1.5707% | 858 |
| Pretax return on assets | 1.9562% | 655 |
| Return on Equity (ROE) | 13.2072% | 1,192 |
| Retained earnings to average equity (ytd only) | 13.2072% | 357 |
| Net charge-offs to loans | -0.2188% | 6,691 |
| Credit loss provision to net charge-offs | -28.5714% | 5,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2623% | 6,703 |
| Assets per employee ($millions) | 5.4642% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8745% | 2,185 |
| Loan loss allowance to noncurrent loans | 131.3544% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 4,583 |
| Noncurrent loans to loans | 1.4271% | 3,158 |
| Net loans and leases to total assets | 45.2180% | 5,617 |
| Net loans and leases to deposits | 56.7148% | 5,274 |
| Net loans and leases to core deposits | 63.0403% | 4,997 |
| Total domestic deposits to total assets | 79.7287% | 5,664 |
| Equity capital to assets | 10.9476% | 2,802 |
| Core capital (leverage) ratio | 11.8965% | 1,673 |
| Tier 1 risk-based capital ratio | 16.7196% | 2,832 |
| Total risk-based capital ratio | 17.9297% | 2,820 |
| Memoranda: | ||
| Average total assets | $83,530,330 | 5,234 |
| Average earning assets | $79,608,670 | 5,131 |
| Average equity | $9,934,000 | 4,963 |
| Average total loans | $38,396,330 | 5,488 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 1,921 |
| Cost of funding earning assets | 1.0115% | 584 |
| Net interest margin | 3.5602% | 3,431 |
| Noninterest income to average assets | 0.2420% | 5,723 |
| Noninterest expense to average assets | 1.5608% | 6,693 |
| Loan and lease loss provision to assets | 0.0285% | 4,106 |
| Net operating income to assets | 1.6050% | 703 |
| Return on assets (ROA) | 1.6462% | 717 |
| Pretax return on assets | 2.0779% | 515 |
| Return on Equity (ROE) | 13.3276% | 1,093 |
| Retained earnings to average equity (ytd only) | 13.3276% | 517 |
| Net charge-offs to loans | -0.4340% | 6,832 |
| Credit loss provision to net charge-offs | -14.2857% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1759% | 6,803 |
| Assets per employee ($millions) | 6.3847% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8777% | 2,373 |
| Loan loss allowance to noncurrent loans | 130.2412% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 4,742 |
| Noncurrent loans to loans | 1.4417% | 3,405 |
| Net loans and leases to total assets | 44.1983% | 5,638 |
| Net loans and leases to deposits | 56.8117% | 5,162 |
| Net loans and leases to core deposits | 63.5073% | 4,790 |
| Total domestic deposits to total assets | 77.7979% | 6,139 |
| Equity capital to assets | 12.5830% | 1,662 |
| Core capital (leverage) ratio | 11.6642% | 1,774 |
| Tier 1 risk-based capital ratio | 16.2068% | 3,154 |
| Total risk-based capital ratio | 17.4077% | 3,131 |
| Memoranda: | ||
| Average total assets | $84,314,000 | 5,255 |
| Average earning assets | $79,883,000 | 5,160 |
| Average equity | $10,414,500 | 4,901 |
| Average total loans | $38,709,500 | 5,517 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8221% | 2,114 |
| Cost of funding earning assets | 1.1601% | 700 |
| Net interest margin | 3.6620% | 3,820 |
| Noninterest income to average assets | 0.2516% | 5,667 |
| Noninterest expense to average assets | 1.7151% | 6,709 |
| Loan and lease loss provision to assets | 0.0306% | 5,513 |
| Net operating income to assets | 1.5879% | 770 |
| Return on assets (ROA) | 1.5491% | 912 |
| Pretax return on assets | 1.9322% | 693 |
| Return on Equity (ROE) | 12.8643% | 1,263 |
| Retained earnings to average equity (ytd only) | 11.9098% | 335 |
| Net charge-offs to loans | -0.0217% | 6,563 |
| Credit loss provision to net charge-offs | -300.0000% | 6,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0247% | 6,780 |
| Assets per employee ($millions) | 6.1162% | 1,212 |
| Cash dividends to net income (ytd only)* | 7.4196% | 4,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6337% | 3,171 |
| Loan loss allowance to noncurrent loans | 236.9565% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.4625% | 5,322 |
| Noncurrent loans to loans | 0.6894% | 4,814 |
| Net loans and leases to total assets | 45.9878% | 5,616 |
| Net loans and leases to deposits | 60.6590% | 4,950 |
| Net loans and leases to core deposits | 67.0675% | 4,639 |
| Total domestic deposits to total assets | 75.8137% | 6,378 |
| Equity capital to assets | 12.1282% | 1,958 |
| Core capital (leverage) ratio | 11.5183% | 1,864 |
| Tier 1 risk-based capital ratio | 15.1934% | 3,617 |
| Total risk-based capital ratio | 16.2821% | 3,650 |
| Memoranda: | ||
| Average total assets | $78,304,400 | 5,401 |
| Average earning assets | $74,303,600 | 5,303 |
| Average equity | $9,429,200 | 5,123 |
| Average total loans | $36,885,600 | 5,641 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9151% | 1,954 |
| Cost of funding earning assets | 1.1850% | 739 |
| Net interest margin | 3.7301% | 3,656 |
| Noninterest income to average assets | 0.2458% | 5,794 |
| Noninterest expense to average assets | 1.6197% | 6,861 |
| Loan and lease loss provision to assets | 0.0314% | 5,385 |
| Net operating income to assets | 1.6372% | 782 |
| Return on assets (ROA) | 1.6981% | 759 |
| Pretax return on assets | 2.2421% | 449 |
| Return on Equity (ROE) | 14.1305% | 1,080 |
| Retained earnings to average equity (ytd only) | 14.1305% | 290 |
| Net charge-offs to loans | -0.0037% | 6,243 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4783% | 6,950 |
| Assets per employee ($millions) | 5.6918% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 2,935 |
| Loan loss allowance to noncurrent loans | 123.5067% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.8019% | 4,699 |
| Noncurrent loans to loans | 1.4230% | 3,666 |
| Net loans and leases to total assets | 44.9658% | 5,877 |
| Net loans and leases to deposits | 57.0358% | 5,531 |
| Net loans and leases to core deposits | 63.0062% | 5,262 |
| Total domestic deposits to total assets | 78.8379% | 5,910 |
| Equity capital to assets | 12.6812% | 1,780 |
| Core capital (leverage) ratio | 11.6179% | 1,896 |
| Tier 1 risk-based capital ratio | 15.9413% | 3,297 |
| Total risk-based capital ratio | 17.0795% | 3,326 |
| Memoranda: | ||
| Average total assets | $76,473,750 | 5,502 |
| Average earning assets | $73,133,000 | 5,396 |
| Average equity | $9,190,250 | 5,219 |
| Average total loans | $36,099,000 | 5,748 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0520% | 1,659 |
| Cost of funding earning assets | 1.2067% | 790 |
| Net interest margin | 3.8453% | 3,154 |
| Noninterest income to average assets | 0.2520% | 5,776 |
| Noninterest expense to average assets | 1.6074% | 6,916 |
| Loan and lease loss provision to assets | 0.0318% | 5,271 |
| Net operating income to assets | 1.6928% | 682 |
| Return on assets (ROA) | 1.7851% | 651 |
| Pretax return on assets | 2.4057% | 343 |
| Return on Equity (ROE) | 15.1486% | 911 |
| Retained earnings to average equity (ytd only) | 15.1486% | 277 |
| Net charge-offs to loans | -0.0056% | 6,181 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0014% | 7,044 |
| Assets per employee ($millions) | 5.5076% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7933% | 2,874 |
| Loan loss allowance to noncurrent loans | 221.2544% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.5278% | 5,441 |
| Noncurrent loans to loans | 0.8105% | 4,889 |
| Net loans and leases to total assets | 45.1003% | 5,911 |
| Net loans and leases to deposits | 57.0222% | 5,549 |
| Net loans and leases to core deposits | 63.1859% | 5,284 |
| Total domestic deposits to total assets | 79.0924% | 5,945 |
| Equity capital to assets | 12.2351% | 1,978 |
| Core capital (leverage) ratio | 11.5757% | 1,857 |
| Tier 1 risk-based capital ratio | 15.6413% | 3,365 |
| Total risk-based capital ratio | 16.7859% | 3,381 |
| Memoranda: | ||
| Average total assets | $75,403,330 | 5,565 |
| Average earning assets | $71,931,330 | 5,462 |
| Average equity | $8,885,330 | 5,296 |
| Average total loans | $35,974,670 | 5,784 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4003% | 911 |
| Cost of funding earning assets | 1.2302% | 850 |
| Net interest margin | 4.1701% | 1,851 |
| Noninterest income to average assets | 0.2575% | 5,806 |
| Noninterest expense to average assets | 1.6042% | 6,970 |
| Loan and lease loss provision to assets | 0.0322% | 4,967 |
| Net operating income to assets | 1.8558% | 533 |
| Return on assets (ROA) | 2.0335% | 453 |
| Pretax return on assets | 2.8329% | 216 |
| Return on Equity (ROE) | 17.6054% | 595 |
| Retained earnings to average equity (ytd only) | 17.6054% | 278 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9924% | 7,151 |
| Assets per employee ($millions) | 5.7838% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7563% | 3,141 |
| Loan loss allowance to noncurrent loans | 218.0556% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.5426% | 5,515 |
| Noncurrent loans to loans | 0.8055% | 5,064 |
| Net loans and leases to total assets | 46.7190% | 5,707 |
| Net loans and leases to deposits | 58.7523% | 5,297 |
| Net loans and leases to core deposits | 65.2452% | 4,992 |
| Total domestic deposits to total assets | 79.5186% | 5,968 |
| Equity capital to assets | 11.9045% | 2,110 |
| Core capital (leverage) ratio | 11.5907% | 1,841 |
| Tier 1 risk-based capital ratio | 16.0137% | 3,172 |
| Total risk-based capital ratio | 17.2133% | 3,161 |
| Memoranda: | ||
| Average total assets | $74,552,000 | 5,630 |
| Average earning assets | $70,885,500 | 5,533 |
| Average equity | $8,611,000 | 5,398 |
| Average total loans | $36,257,000 | 5,813 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2721% | 1,798 |
| Cost of funding earning assets | 1.5383% | 616 |
| Net interest margin | 3.7338% | 4,139 |
| Noninterest income to average assets | 0.2742% | 5,571 |
| Noninterest expense to average assets | 1.9693% | 6,733 |
| Loan and lease loss provision to assets | 0.0362% | 6,115 |
| Net operating income to assets | 1.5274% | 781 |
| Return on assets (ROA) | 1.6363% | 670 |
| Pretax return on assets | 1.9422% | 608 |
| Return on Equity (ROE) | 14.4453% | 837 |
| Retained earnings to average equity (ytd only) | 13.3413% | 202 |
| Net charge-offs to loans | 0.1431% | 5,002 |
| Credit loss provision to net charge-offs | 47.0588% | 5,489 |
| Earnings coverage of net charge-offs (x) | 24.0588% | 1,002 |
| Efficiency ratio | 51.5785% | 6,735 |
| Assets per employee ($millions) | 5.2796% | 1,856 |
| Cash dividends to net income (ytd only)* | 7.6427% | 3,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6921% | 3,234 |
| Loan loss allowance to noncurrent loans | 196.2145% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.5912% | 5,490 |
| Noncurrent loans to loans | 0.8624% | 4,963 |
| Net loans and leases to total assets | 48.8892% | 5,728 |
| Net loans and leases to deposits | 61.8280% | 5,269 |
| Net loans and leases to core deposits | 68.8305% | 4,928 |
| Total domestic deposits to total assets | 79.0730% | 5,980 |
| Equity capital to assets | 11.1900% | 2,807 |
| Core capital (leverage) ratio | 11.2821% | 2,053 |
| Tier 1 risk-based capital ratio | 15.0248% | 3,624 |
| Total risk-based capital ratio | 16.1924% | 3,636 |
| Memoranda: | ||
| Average total assets | $66,369,600 | 5,857 |
| Average earning assets | $62,991,800 | 5,769 |
| Average equity | $7,518,000 | 5,711 |
| Average total loans | $35,633,600 | 5,886 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3499% | 1,673 |
| Cost of funding earning assets | 1.5174% | 805 |
| Net interest margin | 3.8325% | 3,704 |
| Noninterest income to average assets | 0.2605% | 5,756 |
| Noninterest expense to average assets | 1.8423% | 6,935 |
| Loan and lease loss provision to assets | 0.0372% | 5,975 |
| Net operating income to assets | 1.6514% | 704 |
| Return on assets (ROA) | 1.7616% | 608 |
| Pretax return on assets | 2.1607% | 462 |
| Return on Equity (ROE) | 15.4981% | 747 |
| Retained earnings to average equity (ytd only) | 15.4981% | 201 |
| Net charge-offs to loans | 0.1923% | 4,262 |
| Credit loss provision to net charge-offs | 35.2941% | 5,338 |
| Earnings coverage of net charge-offs (x) | 19.5681% | 1,255 |
| Efficiency ratio | 47.1678% | 7,006 |
| Assets per employee ($millions) | 4.9608% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7843% | 3,002 |
| Loan loss allowance to noncurrent loans | 219.2171% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.5774% | 5,669 |
| Noncurrent loans to loans | 0.8140% | 5,240 |
| Net loans and leases to total assets | 48.8215% | 5,858 |
| Net loans and leases to deposits | 65.4159% | 4,987 |
| Net loans and leases to core deposits | 66.6319% | 5,350 |
| Total domestic deposits to total assets | 74.6325% | 6,684 |
| Equity capital to assets | 11.7997% | 2,413 |
| Core capital (leverage) ratio | 12.1054% | 1,646 |
| Tier 1 risk-based capital ratio | 15.6591% | 3,303 |
| Total risk-based capital ratio | 16.8873% | 3,283 |
| Memoranda: | ||
| Average total assets | $64,483,500 | 5,957 |
| Average earning assets | $61,333,000 | 5,858 |
| Average equity | $7,329,750 | 5,808 |
| Average total loans | $35,352,500 | 5,952 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4482% | 1,416 |
| Cost of funding earning assets | 1.5547% | 827 |
| Net interest margin | 3.8935% | 3,346 |
| Noninterest income to average assets | 0.2419% | 5,913 |
| Noninterest expense to average assets | 1.9036% | 6,943 |
| Loan and lease loss provision to assets | 0.0382% | 5,837 |
| Net operating income to assets | 1.6510% | 668 |
| Return on assets (ROA) | 1.7699% | 573 |
| Pretax return on assets | 2.1424% | 452 |
| Return on Equity (ROE) | 15.7925% | 689 |
| Retained earnings to average equity (ytd only) | 15.7925% | 213 |
| Net charge-offs to loans | -0.0056% | 6,599 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3037% | 7,042 |
| Assets per employee ($millions) | 5.5468% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9685% | 2,457 |
| Loan loss allowance to noncurrent loans | 186.4789% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.7136% | 5,477 |
| Noncurrent loans to loans | 1.0556% | 4,893 |
| Net loans and leases to total assets | 49.5283% | 5,882 |
| Net loans and leases to deposits | 63.8982% | 5,290 |
| Net loans and leases to core deposits | 66.2826% | 5,480 |
| Total domestic deposits to total assets | 77.5112% | 6,369 |
| Equity capital to assets | 11.5832% | 2,428 |
| Core capital (leverage) ratio | 11.6788% | 1,792 |
| Tier 1 risk-based capital ratio | 16.1299% | 2,915 |
| Total risk-based capital ratio | 17.3828% | 2,884 |
| Memoranda: | ||
| Average total assets | $62,827,670 | 6,057 |
| Average earning assets | $59,689,000 | 5,967 |
| Average equity | $7,041,330 | 5,911 |
| Average total loans | $35,629,000 | 5,983 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4950% | 1,315 |
| Cost of funding earning assets | 1.5769% | 889 |
| Net interest margin | 3.9181% | 3,054 |
| Noninterest income to average assets | 0.1837% | 6,409 |
| Noninterest expense to average assets | 1.9685% | 6,876 |
| Loan and lease loss provision to assets | 0.0394% | 5,503 |
| Net operating income to assets | 1.4621% | 954 |
| Return on assets (ROA) | 1.5682% | 785 |
| Pretax return on assets | 2.0472% | 516 |
| Return on Equity (ROE) | 14.2538% | 943 |
| Retained earnings to average equity (ytd only) | 14.2538% | 456 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2513% | 6,970 |
| Assets per employee ($millions) | 5.1373% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 3,059 |
| Loan loss allowance to noncurrent loans | 166.2437% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.8338% | 5,240 |
| Noncurrent loans to loans | 1.0726% | 4,904 |
| Net loans and leases to total assets | 58.5226% | 4,548 |
| Net loans and leases to deposits | 75.9329% | 3,431 |
| Net loans and leases to core deposits | 79.0196% | 3,881 |
| Total domestic deposits to total assets | 77.0714% | 6,525 |
| Equity capital to assets | 11.2656% | 2,440 |
| Core capital (leverage) ratio | 11.8991% | 1,616 |
| Tier 1 risk-based capital ratio | 14.9343% | 3,459 |
| Total risk-based capital ratio | 16.1864% | 3,420 |
| Memoranda: | ||
| Average total assets | $60,960,500 | 6,157 |
| Average earning assets | $58,089,000 | 6,064 |
| Average equity | $6,707,000 | 6,022 |
| Average total loans | $36,629,000 | 6,002 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7434% | 1,426 |
| Cost of funding earning assets | 1.8062% | 1,145 |
| Net interest margin | 3.9372% | 3,311 |
| Noninterest income to average assets | 0.3812% | 5,049 |
| Noninterest expense to average assets | 2.0599% | 6,931 |
| Loan and lease loss provision to assets | 0.0420% | 6,746 |
| Net operating income to assets | 1.5745% | 654 |
| Return on assets (ROA) | 1.4374% | 941 |
| Pretax return on assets | 1.7976% | 764 |
| Return on Equity (ROE) | 13.0072% | 1,083 |
| Retained earnings to average equity (ytd only) | 11.8204% | 289 |
| Net charge-offs to loans | 0.0426% | 6,378 |
| Credit loss provision to net charge-offs | 160.0000% | 2,182 |
| Earnings coverage of net charge-offs (x) | 76.6667% | 318 |
| Efficiency ratio | 50.6014% | 7,080 |
| Assets per employee ($millions) | 5.0228% | 2,126 |
| Cash dividends to net income (ytd only)* | 9.1241% | 3,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7769% | 2,937 |
| Loan loss allowance to noncurrent loans | 212.7869% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.7051% | 5,590 |
| Noncurrent loans to loans | 0.8350% | 5,383 |
| Net loans and leases to total assets | 59.5225% | 4,758 |
| Net loans and leases to deposits | 78.9785% | 3,342 |
| Net loans and leases to core deposits | 81.5234% | 3,971 |
| Total domestic deposits to total assets | 75.3654% | 6,716 |
| Equity capital to assets | 10.7328% | 2,923 |
| Core capital (leverage) ratio | 11.6941% | 1,729 |
| Tier 1 risk-based capital ratio | 14.7074% | 3,421 |
| Total risk-based capital ratio | 15.9594% | 3,383 |
| Memoranda: | ||
| Average total assets | $57,186,200 | 6,302 |
| Average earning assets | $53,592,000 | 6,232 |
| Average equity | $6,319,600 | 6,265 |
| Average total loans | $35,185,600 | 6,149 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8275% | 1,319 |
| Cost of funding earning assets | 1.8531% | 1,202 |
| Net interest margin | 3.9745% | 3,213 |
| Noninterest income to average assets | 0.3616% | 5,269 |
| Noninterest expense to average assets | 1.9711% | 7,096 |
| Loan and lease loss provision to assets | 0.0425% | 6,662 |
| Net operating income to assets | 1.5635% | 797 |
| Return on assets (ROA) | 1.5977% | 819 |
| Pretax return on assets | 2.1034% | 496 |
| Return on Equity (ROE) | 14.3469% | 963 |
| Retained earnings to average equity (ytd only) | 14.3469% | 254 |
| Net charge-offs to loans | 0.0612% | 5,896 |
| Credit loss provision to net charge-offs | 112.5000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 55.5696% | 523 |
| Efficiency ratio | 48.4039% | 7,247 |
| Assets per employee ($millions) | 4.8678% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8762% | 2,552 |
| Loan loss allowance to noncurrent loans | 207.0968% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.8594% | 5,377 |
| Noncurrent loans to loans | 0.9059% | 5,435 |
| Net loans and leases to total assets | 57.4811% | 5,339 |
| Net loans and leases to deposits | 77.8038% | 3,862 |
| Net loans and leases to core deposits | 80.4471% | 4,459 |
| Total domestic deposits to total assets | 73.8795% | 6,930 |
| Equity capital to assets | 11.9971% | 2,163 |
| Core capital (leverage) ratio | 12.0083% | 1,667 |
| Tier 1 risk-based capital ratio | 15.1664% | 3,173 |
| Total risk-based capital ratio | 16.4183% | 3,147 |
| Memoranda: | ||
| Average total assets | $56,414,500 | 6,406 |
| Average earning assets | $52,668,250 | 6,342 |
| Average equity | $6,282,250 | 6,365 |
| Average total loans | $34,850,750 | 6,244 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8426% | 1,315 |
| Cost of funding earning assets | 1.8798% | 1,309 |
| Net interest margin | 3.9628% | 3,193 |
| Noninterest income to average assets | 0.3121% | 5,670 |
| Noninterest expense to average assets | 2.0055% | 7,101 |
| Loan and lease loss provision to assets | 0.0431% | 6,545 |
| Net operating income to assets | 1.5327% | 843 |
| Return on assets (ROA) | 1.5355% | 895 |
| Pretax return on assets | 1.9732% | 637 |
| Return on Equity (ROE) | 14.1714% | 1,005 |
| Retained earnings to average equity (ytd only) | 14.1714% | 299 |
| Net charge-offs to loans | 0.0856% | 5,284 |
| Credit loss provision to net charge-offs | 80.0000% | 4,703 |
| Earnings coverage of net charge-offs (x) | 37.4000% | 771 |
| Efficiency ratio | 49.9107% | 7,231 |
| Assets per employee ($millions) | 4.3411% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8646% | 2,527 |
| Loan loss allowance to noncurrent loans | 197.2136% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 6,049 |
| Noncurrent loans to loans | 0.9455% | 5,411 |
| Net loans and leases to total assets | 59.4057% | 5,173 |
| Net loans and leases to deposits | 80.0750% | 3,588 |
| Net loans and leases to core deposits | 81.0546% | 4,546 |
| Total domestic deposits to total assets | 74.1875% | 6,951 |
| Equity capital to assets | 11.3106% | 2,590 |
| Core capital (leverage) ratio | 11.8715% | 1,720 |
| Tier 1 risk-based capital ratio | 14.7708% | 3,275 |
| Total risk-based capital ratio | 16.0219% | 3,248 |
| Memoranda: | ||
| Average total assets | $55,748,000 | 6,466 |
| Average earning assets | $52,134,330 | 6,405 |
| Average equity | $6,040,330 | 6,455 |
| Average total loans | $35,061,330 | 6,283 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9171% | 1,163 |
| Cost of funding earning assets | 1.9080% | 1,418 |
| Net interest margin | 4.0091% | 2,840 |
| Noninterest income to average assets | 0.2743% | 5,958 |
| Noninterest expense to average assets | 1.9421% | 7,263 |
| Loan and lease loss provision to assets | 0.0433% | 6,244 |
| Net operating income to assets | 1.5772% | 782 |
| Return on assets (ROA) | 1.5883% | 823 |
| Pretax return on assets | 2.0504% | 555 |
| Return on Equity (ROE) | 14.9940% | 879 |
| Retained earnings to average equity (ytd only) | 14.9940% | 412 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2944% | 7,418 |
| Assets per employee ($millions) | 4.2251% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8253% | 2,655 |
| Loan loss allowance to noncurrent loans | 127.9208% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.9194% | 5,313 |
| Noncurrent loans to loans | 1.4269% | 4,594 |
| Net loans and leases to total assets | 63.2578% | 4,479 |
| Net loans and leases to deposits | 85.4189% | 2,700 |
| Net loans and leases to core deposits | 86.4949% | 3,822 |
| Total domestic deposits to total assets | 74.0560% | 7,042 |
| Equity capital to assets | 11.0057% | 2,756 |
| Core capital (leverage) ratio | 11.6505% | 1,830 |
| Tier 1 risk-based capital ratio | 14.4027% | 3,435 |
| Total risk-based capital ratio | 15.6550% | 3,399 |
| Memoranda: | ||
| Average total assets | $55,405,000 | 6,558 |
| Average earning assets | $51,782,500 | 6,486 |
| Average equity | $5,869,000 | 6,567 |
| Average total loans | $35,511,000 | 6,339 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1802% | 1,292 |
| Cost of funding earning assets | 2.1758% | 2,136 |
| Net interest margin | 4.0043% | 2,842 |
| Noninterest income to average assets | 0.4001% | 5,196 |
| Noninterest expense to average assets | 2.3390% | 6,638 |
| Loan and lease loss provision to assets | 0.1284% | 6,355 |
| Net operating income to assets | 1.3021% | 1,031 |
| Return on assets (ROA) | 1.4589% | 799 |
| Pretax return on assets | 1.8664% | 552 |
| Return on Equity (ROE) | 15.2779% | 633 |
| Retained earnings to average equity (ytd only) | 13.9528% | 121 |
| Net charge-offs to loans | 0.1211% | 5,968 |
| Credit loss provision to net charge-offs | 164.2857% | 2,656 |
| Earnings coverage of net charge-offs (x) | 22.9524% | 949 |
| Efficiency ratio | 56.5961% | 6,946 |
| Assets per employee ($millions) | 3.9917% | 3,827 |
| Cash dividends to net income (ytd only)* | 8.6735% | 3,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7962% | 2,554 |
| Loan loss allowance to noncurrent loans | 193.9394% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 5,984 |
| Noncurrent loans to loans | 0.9262% | 5,462 |
| Net loans and leases to total assets | 62.6136% | 4,888 |
| Net loans and leases to deposits | 85.7223% | 2,962 |
| Net loans and leases to core deposits | 97.7867% | 4,250 |
| Total domestic deposits to total assets | 73.0424% | 7,147 |
| Equity capital to assets | 10.1872% | 3,526 |
| Core capital (leverage) ratio | 11.1452% | 2,144 |
| Tier 1 risk-based capital ratio | 13.8805% | 3,578 |
| Total risk-based capital ratio | 15.1323% | 3,527 |
| Memoranda: | ||
| Average total assets | $53,740,400 | 6,564 |
| Average earning assets | $50,095,800 | 6,527 |
| Average equity | $5,131,600 | 6,897 |
| Average total loans | $34,677,400 | 6,367 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2271% | 1,307 |
| Cost of funding earning assets | 2.2153% | 2,333 |
| Net interest margin | 4.0117% | 2,757 |
| Noninterest income to average assets | 0.3057% | 6,036 |
| Noninterest expense to average assets | 2.2729% | 6,775 |
| Loan and lease loss provision to assets | 0.0451% | 6,920 |
| Net operating income to assets | 1.3349% | 1,149 |
| Return on assets (ROA) | 1.5337% | 807 |
| Pretax return on assets | 1.9898% | 551 |
| Return on Equity (ROE) | 16.3482% | 613 |
| Retained earnings to average equity (ytd only) | 16.3482% | 116 |
| Net charge-offs to loans | -0.0078% | 7,658 |
| Credit loss provision to net charge-offs | -900.0000% | 7,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1262% | 6,983 |
| Assets per employee ($millions) | 3.9450% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8349% | 2,185 |
| Loan loss allowance to noncurrent loans | 170.1613% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 5,800 |
| Noncurrent loans to loans | 1.0784% | 5,151 |
| Net loans and leases to total assets | 61.3145% | 5,357 |
| Net loans and leases to deposits | 83.0224% | 3,827 |
| Net loans and leases to core deposits | 97.0872% | 4,692 |
| Total domestic deposits to total assets | 73.8530% | 6,978 |
| Equity capital to assets | 10.3440% | 3,685 |
| Core capital (leverage) ratio | 11.0026% | 2,403 |
| Tier 1 risk-based capital ratio | 14.2081% | 3,439 |
| Total risk-based capital ratio | 15.4605% | 3,383 |
| Memoranda: | ||
| Average total assets | $53,204,500 | 6,631 |
| Average earning assets | $49,653,000 | 6,586 |
| Average equity | $4,991,250 | 7,001 |
| Average total loans | $34,439,000 | 6,427 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2929% | 1,223 |
| Cost of funding earning assets | 2.2419% | 2,616 |
| Net interest margin | 4.0510% | 2,498 |
| Noninterest income to average assets | 0.2817% | 6,252 |
| Noninterest expense to average assets | 2.3339% | 6,662 |
| Loan and lease loss provision to assets | 0.0457% | 6,772 |
| Net operating income to assets | 1.3356% | 1,147 |
| Return on assets (ROA) | 1.3935% | 1,108 |
| Pretax return on assets | 1.7514% | 926 |
| Return on Equity (ROE) | 15.4084% | 768 |
| Retained earnings to average equity (ytd only) | 15.4084% | 187 |
| Net charge-offs to loans | -0.0058% | 7,542 |
| Credit loss provision to net charge-offs | -1,200.0000% | 7,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5047% | 6,943 |
| Assets per employee ($millions) | 3.8809% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8173% | 1,999 |
| Loan loss allowance to noncurrent loans | 255.5102% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 6,315 |
| Noncurrent loans to loans | 0.7113% | 5,814 |
| Net loans and leases to total assets | 62.2469% | 5,320 |
| Net loans and leases to deposits | 83.3765% | 3,984 |
| Net loans and leases to core deposits | 99.5116% | 4,552 |
| Total domestic deposits to total assets | 74.6577% | 6,831 |
| Equity capital to assets | 9.2708% | 4,920 |
| Core capital (leverage) ratio | 10.7674% | 2,594 |
| Tier 1 risk-based capital ratio | 13.4692% | 3,831 |
| Total risk-based capital ratio | 14.7219% | 3,769 |
| Memoranda: | ||
| Average total assets | $52,529,330 | 6,723 |
| Average earning assets | $48,975,670 | 6,675 |
| Average equity | $4,750,670 | 7,153 |
| Average total loans | $34,419,670 | 6,480 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3587% | 1,158 |
| Cost of funding earning assets | 2.2644% | 2,867 |
| Net interest margin | 4.0943% | 2,296 |
| Noninterest income to average assets | 0.2634% | 6,347 |
| Noninterest expense to average assets | 2.1694% | 6,951 |
| Loan and lease loss provision to assets | 0.0465% | 6,388 |
| Net operating income to assets | 1.4453% | 1,054 |
| Return on assets (ROA) | 1.4876% | 1,034 |
| Pretax return on assets | 1.8982% | 801 |
| Return on Equity (ROE) | 16.6685% | 728 |
| Retained earnings to average equity (ytd only) | 16.6685% | 292 |
| Net charge-offs to loans | -0.0116% | 7,311 |
| Credit loss provision to net charge-offs | -600.0000% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4351% | 7,274 |
| Assets per employee ($millions) | 3.7234% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7762% | 1,910 |
| Loan loss allowance to noncurrent loans | 3,263.1579% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 7,510 |
| Noncurrent loans to loans | 0.0544% | 7,382 |
| Net loans and leases to total assets | 65.7727% | 4,637 |
| Net loans and leases to deposits | 88.6447% | 3,159 |
| Net loans and leases to core deposits | 105.0558% | 4,026 |
| Total domestic deposits to total assets | 74.1981% | 6,852 |
| Equity capital to assets | 9.0374% | 5,312 |
| Core capital (leverage) ratio | 10.7723% | 2,681 |
| Tier 1 risk-based capital ratio | 13.5103% | 3,856 |
| Total risk-based capital ratio | 14.7623% | 3,782 |
| Memoranda: | ||
| Average total assets | $51,628,000 | 6,799 |
| Average earning assets | $47,871,500 | 6,751 |
| Average equity | $4,607,500 | 7,255 |
| Average total loans | $34,406,500 | 6,524 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9005% | 1,395 |
| Cost of funding earning assets | 2.6444% | 3,465 |
| Net interest margin | 4.2561% | 2,099 |
| Noninterest income to average assets | 0.3864% | 5,586 |
| Noninterest expense to average assets | 2.5951% | 5,671 |
| Loan and lease loss provision to assets | 0.0936% | 6,192 |
| Net operating income to assets | 1.2921% | 1,504 |
| Return on assets (ROA) | 1.5395% | 913 |
| Pretax return on assets | 1.9585% | 678 |
| Return on Equity (ROE) | 15.9786% | 779 |
| Retained earnings to average equity (ytd only) | 14.0789% | 115 |
| Net charge-offs to loans | -0.0773% | 8,065 |
| Credit loss provision to net charge-offs | -184.0000% | 7,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8780% | 6,368 |
| Assets per employee ($millions) | 3.6520% | 4,280 |
| Cash dividends to net income (ytd only)* | 11.8890% | 4,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8079% | 1,615 |
| Loan loss allowance to noncurrent loans | 3,226.3158% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 7,441 |
| Noncurrent loans to loans | 0.0560% | 7,285 |
| Net loans and leases to total assets | 65.1189% | 5,029 |
| Net loans and leases to deposits | 88.8124% | 3,662 |
| Net loans and leases to core deposits | 96.9427% | 5,156 |
| Total domestic deposits to total assets | 73.3219% | 6,770 |
| Equity capital to assets | 8.8093% | 5,636 |
| Core capital (leverage) ratio | 11.1118% | 2,500 |
| Tier 1 risk-based capital ratio | 13.3167% | 3,920 |
| Total risk-based capital ratio | 14.5695% | 3,822 |
| Memoranda: | ||
| Average total assets | $49,170,400 | 6,815 |
| Average earning assets | $45,605,400 | 6,787 |
| Average equity | $4,737,600 | 7,235 |
| Average total loans | $32,338,800 | 6,592 |